Saturday, May 26, 2012


I believe Fucoidan is one of the best supplement besides Spirulina and Sea Cucumber (Gamat). As per my understanding, I summarize Fucoidan as below :

Pengenalan (Intro)
Fucoidan merupakan ekstrak rumpai laut (brown algae) yang dapat membekalkan nutrient yang diperlukan oleh tubuh dengan mengaktifkan penghasilan semulajadi sel stem dalam badan. Sel stem (sel induk) berfungsi memperbaharui semula sel dan membeza / menyesuaikan menjadi sel-sel unik dalam pelbagai jenis tisu. Sel stem boleh membentuk menjadi sel sihat pada mana-mana bahagian badan yang memerlukan pemulihan. Ia berupaya menjadi sel baru untuk menggantikan sel yang lama termasuklah sel untuk otak, ginjal, hati dan lain-lain.

Kebaikan (Benefits)
-Anti kanser dan anti tumor
-Menguatkan daya ingatan, memperbaiki daya tumpuan dan menajamkan penghilatan
-Sifat antioksidan yang lebih tinggi berbanding vitamin c dan ekstrak biji anggur

Kasut & Beg dari kulit babi! Beware!

This issue has been came up last time. However, I would like to remind viewers and MySelf as well to alert about it bcoz 'the thing' still in market. For those who still have not aware how to identify or differentiate the pig skin, you may refer to the photo below which was taken by sum1 (Credit to that sum1).

Normally, by look closely, it has a 3 small dot.

Though when we glance at the bag/shoes skin surface it would be as below.

So, beware ya!

Sunday, May 13, 2012

Snoring related to Sleep Apnea?

As what I read from mayoclinic, sleep apnea is a potentially serious sleep disorder in which breathing repeatedly stops and starts. You may have sleep apnea if you SNORE LOUDLY and you feel tired even after a full night's sleep. Sleep apnea occurs in two main types:
  • Obstructive sleep apnea, the more common form that occurs when throat muscles relax
  • Central sleep apnea, which occurs when your brain doesn't send proper signals to the muscles that control breathing
Additionally, some people have complex sleep apnea, which is a combination of both. 

If you think you might have sleep apnea, see your doctor. Treatment is necessary to avoid heart problems and other complications.   

How to Identify and Treat Sleep Apnea : by Dr OZ


I received an email from a friend and I would like to share to readers/viewers. To the owner of the drawing and scripts of the comics below, I request your permission to allow me post these in my blog. Thanks.

Sunday, May 6, 2012

PTPTN : 1% Ujrah or 3% Conventional

Before I blogging further more about this issue, please note the post written here is my personal view and based on my understanding. To viewers, kindly do correct if I’m wrong and your opinions/comments are bigheartedly accepted.

Just a glimpse, I believe many of us will agree that 1% is a better method. Yezza, 1% or 3% charges, so of coz we choose the fewer figures, which is 1%, rite? However after I had reviewed and analyze both methods, I found out and would like to share info that readers/applicants should take note before decide convert to 1% Ujrah or stick to 3% Conventional rate method. 

My review here is regarding calculation method, payback period and agreement contents.


3% Conventional is based on REDUCING BALANCE (similar as home loan). Meaning the 3% is depends on your balance.  So, the fewer balance you have, the lesser you pay. In other means, if the balance still in bulk, you have to pay more. 3% calculation is based on formula below (which I print screen from PTPTN website) or may use the loan calculator as stipulated in the PTPTN website as well.

1% Ujrah is based on FLAT RATE (similar as hire purchase/car loan). Meaning the monthly amount you pay is the same figure (fixed) and if you skip the monthly payment, you will be imposed on penalty as stated in the agreement below.

1% calculation is based on formula below or may use the ujrah calculator.

Ujrah Chargers = Current Outstanding Balance x 1% a year x payback period
                              = RM28625 x 0.01 x 15 years 
                              = RM4293.75
Total Payment = RM28625 + RM4293.75
                               = RM32918.75 
Monthly payment = RM32918.75 / 180 months 
                                      = RM182.88

*Note : Current Outstanding Balance = loan principal amount + arrear amount
                                                                        = RM28000 + RM 625
                                                                           = RM28625

1% method is calculated based on the LATEST BALANCE (BAKI TERKINI) IN THE CURRENT YEAR (TAHUN SEMASA). So, it will include the arrear amount (the amount which borrowers didn’t pay for a few months or monthly payback amount is less than the figure stated in the schedule). That is why in the case above, the figures calculated is RM28625 not RM28000, even the loan principal is RM28000.

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