HouzKEY is an alternative home ownership solution. You can choose to rent a home from maybank2own with a given option for you to purchase the property as and when you are ready within the rental period.
To start this post, I will tell you all about my experience and full process of this HouzKey.
First of all, Maybank introduces its RTO scheme to cater to this segment of the society – HouzKEY.
HouzKEY allows the renter/buyer to rent a home for 12 months and after that, he/she has the option to purchase the home anytime at the pre-agreed price.
While a rent-to-own (RTO) scheme may seem like a new concept for Malaysians, it has been implemented overseas.
For example, Home Partners Of America, for those in the United States, is similar to HouzKEY – it’s a scheme that allows rental tenants to purchase a home within five years of renting.
I have applied this HouzKey 2 months ago.
I submitted all the required document to the website and it’s take around 1 – 2 business days for them to get back on the result.
They might asked to submit extra supporting document in order to make the application even more success.
From there onward, Maybank will prepare the Lease Agreement and I required to sign it (Guarantor also required to sign if apply with guarantor) within 14 days after it’s approve.
You will receive SMS and email regardless whether the application is success or being rejected.
My guarantor is not in KL for my case.
So I requested them to send the guarantor agreement part to my guarantor.
The guarantor required to sign the agreement with solicitor.
Afterwards, the guarantor agreement will send back to me and for me to bring to the Hub (Which is at Menara Maybank) to complete my signature part and pay the security deposit.
Basically, I’m currently waiting for Vacant Possession (VP) which based on the bank officer might take around 3 months.
Simple utility which enables downloading Subversion (SVN) & GIT repositories. The utility is useful if you don’t have SVN/GIT client, but you still want to download code from SVN & GIT repositories such as SourceForge, Google code or kernel.org. Simple stand-alone EXE utility
I have modify this application (DownloadSVN) to add in username and password for any SVN or GIT repositories that required authentication.
You can download the source code and application here
With just left 2 more days (Which is in July), Google Chrome will mark all HTTP sites as “not secure,” according to a blog post published at February 8, 2018 by Chrome security product manager Emily Schechter. Chrome currently displays a neutral information icon, but starting with version 68, the browser will warn users with an extra notification in the address bar. Chrome currently marks HTTPS-encrypted sites with a green lock icon and “Secure” sign.
Google has been alerting users away from unencrypted sites for years, but this is the most powerful alert yet. Google search began down-ranking unencrypted sites in 2015, and the following year, the Chrome team instituted a similar warning for unencrypted password fields.
The Chrome team said the announcement was mostly brought on by increased HTTPS adoption. Eighty-one of the top 100 sites on the web default to HTTPS, and a strong majority of Chrome traffic is already encrypted.
HTTPS encryption protects the channel between your browser and the website you’re visiting, ensuring no one in the middle can tamper with the traffic or spy on what you’re doing. Without that encryption, someone with access to your router or ISP could intercept information sent to websites or inject malware into otherwise legitimate pages.
Kindly secure your website now with free SSL certificate if you subscribe Exabytes Linux Shared hosting.
We are online service to facilitate business services for a business owner or person responsible to renew their registered business under Registration Business Act 1956 prior or within 12 months after expired date.
CYLIM SERVICES (which is my business) now provide simple step to renew your business (SSM) without leaving door step.
1 YEAR – RM30 (Personal name)
1 YEAR – RM60 (Trade name)
+ RM5 FOR EACH BRANCH (IF HAVE)
+ OUR SERVICE CHARGE RM10 – RM50 (INCLUDED PDF COPY SEND VIA EMAIL)
** PROCESS WITHIN 24 HOURS **
+ OUR EXPRESS SERVICE RM70
** PROCESS WITHIN 1 HOURS / SUBJECT TO AVAILABILITY **
LATE CHARGES COMPOUND RATE (MONTH):
– First month is RM20 and extra RM10 for every next few months.
– Business that expired 1 year kindly visit SSM office.
CALCULATION FEES (EXAMPLE)
1 YEAR RENEW (RM60) + 2 BRANCH (RM10 IF HAVE) + COMPOUND (RM50 IF HAVE) + OUR SERVICE CHARGE (RM50)
TOTAL TO PAY = RM170
BUSINESS NAME :
BUSINESS REGISTRATION NO :
OWNER FULL NAME :
The easiest cryptocurrency to manage
Cryptocurrencies are so hard to come by! The barriers to entry for most people are too large. Complex software, GPU Mining rigs, sending personal identification to strange websites.
Electroneum makes it easy to access and use a super secure cryptocurrency that has all of the benefits of Bitcoin and more. Transactions in Electroneum happen faster and are more anonymous. Did you know that anyone with your public Bitcoin wallet address can see how many bitcoin you have, and your entire transaction history? Electroneum protects your transaction history and wallet contents from prying eyes, whilst leaving publicly accessible transaction hashes available for the technically discerning to authenticate transactions.
Download the Electroneum app and you can experience mining your first Electroneum coins straight into your wallet in minutes!
Super Secure – Unhackable Offline Wallets
“Googling” for Bitcoin Hack or Ethereum Hack will find you dozens of stories of stolen cryptocurrencies. We’ve developed an OFFLINE wallet that is 100% secure. You can create as many offline wallets as you like (free) and transfer the bulk of your Electroneum to those wallets.
They are literally impossible to hack.
If you imagine every grain of sand in the world as a lottery – the odds against someone gaining access to an Electroneum offline wallet is the same as them winning every single one of those lotteries AT THE SAME TIME.
Create your offline wallet(s) now at https://my.electroneum.com
In order to mine this coin, you can use web browser (Google Chrome or Mozilla Firefox) or mining application from here.
At the moment, I have one ETN mining pool that is based in Asia (South East Asia).
0% pool fee
Minimum payment 5 ETN
Cloud based, 99.99% uptime, high efficiency
If you want to sign up from the mobile app, below is my referral code.
Cryptocurrency are the digital media of exchange which use cryptography and shared transaction ledgers to create a secure, anonymous, traceable and potentially stable monetary system.
Cryptocurrency take their name from their use of cryptography. Cryptography is the study of the methods of encrypting information, primarily with the intention of sending a message securely and privately but also for tasks such as data security and authentication. Cryptocurrencies incorporate many of the technologies and theories developed by cryptographers in order to create a digital money exchange system that is resistant to both censorship and fraud.
Bitcoin remains the most popular cryptocurrency, but there are now virtually thousands of cryptocurrencies with various levels of popularity, value and originality. Cryptocurrencies other than Bitcoin are often referred to as “altcoins.” While there are many altcoins that are simple clones on the Bitcoin system, the most successful ones tend to have a unique hook or advantage that Bitcoin either can’t or chooses not to provide. The best-known examples of popular altcoins include Ripple, Litecoin and Dogecoin.
There are few ways to mine cryptocurrency.
- Mining rig (I will use another day to explain about this part)
- Cloud mining
Cloud mining is where a miner purchases a part of the mining power of hardware hosted and owned by a Cloud Mining services provider.
The service provider takes on configuring the hardware, maintaining uptime and selecting the most efficient and reliable pools.
This option provides a range of benefits:
- Instant connection (meaning no hardware shipment wait times and delivery risks)
- Fixed maintenance, electricity fees and no nuisances associated with mining at home such as noise, heat or space.
Another key point is that this model of cloud mining requires no technical experience. Obviously, it’s very important that miners understand the mining process.
However, this model doesn’t require hardware expertise or significant configuration / implementation cost.
Since customers can purchase any amount of mining power (hashrate) they wish, this means that the level of investment will depend only on the miners’ ambition.
This means that the cost of entry and subsequent risk is far lower than in comparison with the remotely hosted model.
Cloud mining is greatly suited for novice miners who would like to try out mining and earning cryptocurrencies as well as seasoned miners who don’t want the hassle or risks of hosted or home-based mining.
Below are some of the Cloud Mining Provider I use.
* With promo code (Vzmr5h), you will get 3% discount.
This is a demo application developed by me which comprise of web and mobile application.
- Anyone can login and register from web and mobile application.
- After registration, you need to activate from your registered email.
- Reset password can only be done from the web.
- After login from the web, you can upload any picture and it will display in both web and mobile application. (However, you can’t upload from the mobile at the moment)
- If no picture is upload from the web, you can see a default picture (My picture) when login to the app.
Here is the web module URL: https://demo.cylim.com.my
The APK file
Hello and welcome.
As per the title, I like Superman and I combine it with my name to become Super. (Lol)
This blog provide short, simple point form review of some of the things in my life.
Hopefully my next post will come as soon as possible.