Lowyat.NET: Latest topics by mmohdnor

[WTS] Meike FC-100 Macro Ring Flash (Nikon)

mmohdnor — Wed, 06 Jun 2012 13:06:59 +0800

Welcome!! ...

Item(s):

I only have Nikon sets currently. ALL items are READY IN STOCK.

- Meike Macro Ring Flash FC-100 (Nikon) RM150 -- Ready Stock

FREE SHIPPING FOR ALL ITEMS!

Package includes:
All are new in box. Comes with everything inside the original box.
All bought items will receive receipt as proof of purchase for warranty claim purposes.

Warranty: 1 year from Supplier, I'm just a part time seller. However, I will help you to claim for warranty issues. Do keep your receipt for warranty claim purposes. Warranty starts from the day you make you purchase.

Dealing method:
All items are shipped by Poslaju. COD can only be done in mainland Penang based on my availability only. Do contact with me first and we will work it out.
SHIPPING COST :
FREE SHIPPING FOR ALL ITEMS!

Payments can be made to my Maybank2u account.
Account Name : Mohd Faris Bin Mohd Nordin
MB2U Account : 1520 2310 6833

Location: Penang (Mainland)

Contact method/details: Drop me a PM, post here or call me at 019-four-one-eight-0950.

Item(s) conditions: ALL ARE BRAND NEW!

::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::
Meike Macro Ring Flash FC-100 (Nikon) RM150

This LED Macro Ring Flash for Nikon DSLR is the perfect choice for the photographer who requires shadow free illumination. It provides four modes: continuous light, flash, left side flash, right-side flash to meet a variety of needs. The LED Ring Flash is the best tool for your macro photography needs and medical, scientific and forensic photography, as the flash source is positioned directly between the camera lens and subject providing an even illumination. Includes 7 ring mounts (52mm, 55mm, 58mm, 62mm, 67mm, 72mm, 77mm) for different lenses

Features:
• Output power adjusting from 1/64, 1/32, 1/16, 1/8, 1/4, 1/2, 1/1
• More approach natural light use high quality LED light
• Meets the higher photograph needs under the innovation function
• Left and right flash function make the object appeared third dimension
• Fit for macroshot, scientific research, medical and personal hobbies of photography

Specification:
Flash GN : 15
Effective Flash Scope : 5CM-1.5M
Quantity of LED : 32pcs
Color Temperature : 5500K
Exposure time : 1/100 seconds
Battery : 4 AA batteries (not included)
Net Weight : 265g

Contains:
1x LED Ring Flash for Nikon
1x Adapter Ring Kit (52mm-77mm)
User Manual

::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::

Reason for sale: Part time seller.

Thank you for viewing!

[WTS] Yongnuo & Meike Products for Nikon

mmohdnor — Tue, 29 May 2012 22:08:10 +0800

Welcome!! ...

Item(s):

I only have Nikon sets currently. ALL items are READY IN STOCK.

Items are as below.

- Yongnuo YN-565EX Flash (Nikon) RM440 -- Ready Stock -- SOLD OUT !!! NO MORE STOCKS !!!
- Yongnuo YN-560II Flash (Nikon) RM240 -- Ready Stock -- SOLD OUT !!! NO MORE STOCKS !!!

- Yongnuo WJ-60 Macro Ring Flash (Nikon) RM140 -- Ready Stock -- 3 Units
- Meike AF Extension Tube (Nikon) RM270 -- Ready Stock -- 2 Units
- Meike Macro Ring Flash FC-100 (Nikon) RM150 -- Ready Stock -- 2 Units

FREE SHIPPING FOR ALL ITEMS!

Package includes:
All are new in box. Comes with everything inside the original box.
All bought items will receive receipt as proof of purchase for warranty claim purposes.

Warranty: 1 year from Supplier, I'm just a part time seller. However, I will help you to claim for warranty issues. Do keep your receipt for warranty claim purposes. Warranty starts from the day you make you purchase.

Dealing method:
All items are shipped by Poslaju. COD can only be done in mainland Penang based on my availability only. Do contact with me first and we will work it out.
SHIPPING COST :
FREE SHIPPING FOR ALL ITEMS!

Payments can be made to my Maybank2u account.
Account Name : Mohd Faris Bin Mohd Nordin
MB2U Account : 1520 2310 6833

Location: Penang (Mainland)

Contact method/details: Drop me a PM, post here or call me at 019-four-one-eight-0950.

Item(s) conditions: ALL ARE BRAND NEW!

::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::
Yongnuo 565EX Flash (Nikon) RM440

YN-565EX Review : http://speedlights.net/2011/08/28/yongnuo-...x-flash-review/
*All credits are due to the site owner. Thank you the reviewer.

Yongnuo Specs from website : http://www.hkyongnuo.com/e-detail.php?ID=288
YONGNUO TTL Speedlite YN-565EX GN 58
A BRAND-NEW FLASH: YONGNUO YN565EX FLASH
ФAWL SUPPORTED FOR N’s & C’s SYSTEM
The YN565EX can be triggered by 580EX II, SB-900/800/700, 7D/60D/600D, Nikon c-command and ST-E2, and flashes as TTL mode as well as M/Multi mode. To enjoy wireless TTL lighting, ratio control, as well as remote control of output level, you may only take a camera with built-in commander mode, and the YN565EX.
ФTTL FLASH WITH LARGE GUIDE NUMBER
GN58@ ISO100, 105mm; which reaches the level of the mainstream hot shoe flashes, supports TTL/M/Multi mode.
ФMULTIPLE TRIGGER MODE SUPPORTED
The YN565EX can be triggered by hot-shoe, flash command slave mode, optical S1, and S2(pre-flash-canceled mode).
ФSUPPORTS AUTO/MANUAL ZOOMING
The YN565EX covers a focal length range of auto, and 24 to 105mm, supports full-frame/half-frame camera.
ФCOMPREHENSIVELY SUPPORTS TTL FUNCTIONS
FEC, FEB, Rear-curtain sync, FE lock, Modeling Light, Canon camera menu accessable
ФSUPER SPEED OF CHARGING RECYCLE
It only takes 3 seconds to finish a charging cycle after a full level output, you can use external power pack to accelerate the charging speed once more.
ФPROVIDES CHARGING SOCKET FOR EXTERNAL POWER PACK
YN565EX provides charging socket for external power pack, to meet your higher demand for charging recycle.
ФPC PORT PROVIDED
YN565EX provides PC port，you can make the flash synchronously by connecting to the PC port.
ФSOUND PROMPT SYSTEM
Turn on the sound prompt function, different sounds indicate working situations help you focus on shooting.
ФMODELING LIGHT FUNCTION
Press down the camera’s depth-of-fired preview button, the YN565EX will send out continuous flash lasting one second.
ФADVANCED SETTINGS ON FLASH
The YN565EX supports advanced settings; you can customize the unit according to your shooting preferences.
ФAUTOMATIC SETTINGS SAVING
YN565EX can save the current settings automatically.
ФLCD PANEL USER INTERFACE WITH SUPER RELIABLE METAL HOT-SHOE STAND

::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::
Yongnuo 560II Flash (Nikon) RM240

YN-560II Review : http://speedlights.net/2011/11/16/yongnuo-...nual-flash-new/
*All credits are due to the site owner. Thank you the reviewer.

Yongnuo Specs from website : http://www.hkyongnuo.com/e-detail.php?ID=293
YONGNUO Flash YN-560II
Create a new benchmark in the industry of high-end manual flash
ФLARGE LCD PANEL
Large LCD panel, you can look into and set the functions on the LCD panel clearly and directly.
ФMULTI FLASH SUPPORTED
YN560-II is the first manual speedlite supports Multi flash in china.
ФGN58 @ ISO100, 105mm
YONGNUO new large guide number manual speedlite, supporting M/Multi modes
ФPOWER ZOOM FUNCTION
By pushing the zoom button on the speedlite, it can make the flash covered focal length range from 24 to 105mm.
ФTHE HIGH SENSITIVITY WIRELESS TRIGGERING SENSOR
The high sensitivity wireless triggering sensor inherits from YN560, which makes the S1 and S2 mode can be used in outdoor environment and the wireless triggering distance is as long as 15m, as well as 25m indoors.
ФSOUND PROMPT SYSTEM
Turn on the sound prompt function, different sounds indicate working situations help you focus on shooting
(Note: the sound can be closed).
ФPROVIDES CHARGING SOCKET FOR EXTERNAL POWER PACK
YN560-II provides charging socket for external power pack, to meet your higher demand for charging recycle.
ФPC PORT SUPPORTED
YN560-II provides PC port，you can make the flash synchronously by connecting to the PC port.
ФSUPER SPEED OF CHARGING RECYCLE
It only takes 3 seconds in charging after full power output. In addition, you can use the external power pack to accelerate the charging speed once more.
ФPOWER SAVING MODE
In the power saving mode, the speedlite will get automatic shutdown sooner; in the non-saving mode, it will take a longer time before automatic shutdown.
ФTHE AUTOMATIC SETTING SAVING
YN560-II can automatically save your current setting.
ФIMPROVED BUTTONS DESIGN
It is sensitivity and better feeling to control.
ФMETAL HOTSHOE STAND

::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::
Yongnuo WJ-60 Macro Ring Flash (Nikon) RM140

::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::
Meike AF Extension Tube (Nikon) RM270

Meike Macro Extension Tube Set for Nikon with auto focus

This brand new Macro Extension Tube Set for film & Digital SLR includes 3 extension tubes - 12mm, 20mm, 36mm adapters and a male & female adapter. You may mount the tubes between lens and camera body to get your choice of macro ranges. There are totally 8 combinations.

Use this set will not downgrade the optical quality of your lens. Sharpness and Saturation can be still maintained. This tube support automatic diaphragm and have electronic connection between the body and the lens.

Key Features :
- Nikon Mount: Fit for all Nikon Lens and DSLR Body.
- It moves the lens farther from the film or digital sensor. The farther away the lens is, the closer the focus, the greater the magnification.
- This extension tube does not affect image quality as there is no optics inside. In comparison, a close up filters are often blamed for degrading image quality.
- Color : Black

Package Contain :
Meike Extension Tube (Nikon) x1
Manual x1

::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::
Meike Macro Ring Flash FC-100 (Nikon) RM150

This LED Macro Ring Flash for Nikon DSLR is the perfect choice for the photographer who requires shadow free illumination. It provides four modes: continuous light, flash, left side flash, right-side flash to meet a variety of needs. The LED Ring Flash is the best tool for your macro photography needs and medical, scientific and forensic photography, as the flash source is positioned directly between the camera lens and subject providing an even illumination. Includes 7 ring mounts (52mm, 55mm, 58mm, 62mm, 67mm, 72mm, 77mm) for different lenses

Features:
• Output power adjusting from 1/64, 1/32, 1/16, 1/8, 1/4, 1/2, 1/1
• More approach natural light use high quality LED light
• Meets the higher photograph needs under the innovation function
• Left and right flash function make the object appeared third dimension
• Fit for macroshot, scientific research, medical and personal hobbies of photography

Specification:
Flash GN : 15
Effective Flash Scope : 5CM-1.5M
Quantity of LED : 32pcs
Color Temperature : 5500K
Exposure time : 1/100 seconds
Battery : 4 AA batteries (not included)
Net Weight : 265g

Contains:
1x LED Ring Flash for Nikon
1x Adapter Ring Kit (52mm-77mm)
User Manual

::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::

Reason for sale: Part time seller.

Thank you for viewing!

[WTS] 2 units Yongnuo 64 LED Light SYD-0808 (NEW)

mmohdnor — Thu, 22 Mar 2012 20:08:12 +0800

Item(s): 2 units of brand new Yongnuo SYD-0808 64 LED set.

UPDATE ---> ONE MORE UNIT LEFT.

Package includes: Eveyrthing in the package. The LED light itself and the mounting bracket.

Specifications:

Brand Name : Yongnuo
Model Number : SYD-0808
Dimension : 85x75x33mm
Net Weight : 94g
Mount type : Hot shoe mount
LED Quantity : 64 pieces
Battery : 4 x AA batteries
Color temperature : 5500K
LED life : More than 10,000 hours
For camera type: DSLR
Brightness : 480LM
Effective illumination distance: Less than 5 meters
Lighting lasting with new batteries : 2-4 hours
Color : Black

Description
YOUNGNUO SDY-0808 contains 64pcs small LED lights. It offers 480 lumens of light with an effective distance up to 5m. It can be easily connected to cameras or camcorder by hot shoe. A vedio bracket is also provided for your convenience use. The built-in diffuser insures soft light.

Features:
- Applicable for all kinds of DV photoflood lamps or digital cameras.
- 64 LED lamps, with output of 480LM, and effective distance up to 5m.
- Light brightness adjustable (LOW/HIGH, 32/64 LED).
- Suits outdoor photographing, interior supplementary lighting, figure photographing, wedding ceremony, etc..
- Symmetrical light output.
- Uniform illumination brightness.
- More than one light be connected with each other.
- Powered by 4 x AA batteries.
- Various installation ways: Connect the device directly or with the auxiliary connecting rods.
- Lightweight and compact, easy to carry.

Price: RM100 EACH. Shipping included.

Warranty: 2 weeks warranty from me.

Dealing method: Shipping through Poslaju or COD in Penang areas. For pymt, I accept MB2U and PBB.

Location: Penang (mainland)

Contact method/details: PM me or post here.
---

Item(s) conditions: Both packages are BRAND NEW. I can't provide very long warranty as I'm not a reseller/dealer/distributor. I bought these as extra.

Picture: Finally uploaded the pic after 1mth++! ...haha. Sorry

*** The opened unit in front is for sample picture only. That is mine actually. ***

Reason for sale: Bought extra. Selling them off.

Buyers List :

» Click to show Spoiler - click again to hide... «

looking for search & replace text software

mmohdnor — Sun, 28 Sep 2008 06:23:42 +0800

i'm looking for a multiple file search & replace software (preferably if it's a freeware).
the files are just a text file.

here's what i want the tool is able to do :

i want to replace all the value for the parameter AAA to 0x50000 in a bunch of files (hundreds of them).
i mean , i search for term AAA, but the tool replaces the value next to it. see below for example

Example
File 1
AAA = 0x45A652
BBB = 0x324C5

File 2
AAA = 0x24D4A
BBB = 0x231F03

File 3
AAA = 0x9FE32
BBB = 0x765AB2E

Final Result
File 1
AAA = 0x50000
BBB = 0x324C5

File 2
AAA = 0x50000
BBB = 0x231F03

File 3
AAA = 0x50000
BBB = 0x765AB2E

I need to replace ANY value assigned to AAA to a single value (0x50000) in an instance. Notice the changes in the example above.
thanks all for the help and replies!

rear brake & 3rd brake lights always ON

mmohdnor — Sat, 29 Mar 2008 23:38:47 +0800

my car has this funny problem.

when this problem occurs, the rear brake lights (left & right) and the 3rd brake light is always ON. Regardless the car engine is ON or OFF.
it's driving me crazy coz it happens once in a while and everytime i took it to the workshop or proton SC, they couldn't find the problem.
wasted my time and money for checking ..

summore it happened twice without me noticing it and i had to replace the totally dead battery

anybody had the same problem or has ideas what's causing the problem?
i heard my fren say it could be due to : main switch, relay, etc ...
i have no idea what causes it

getting 40-50 topic subscription notice per day

mmohdnor — Thu, 25 Oct 2007 22:48:10 +0800

hi mods,

since last week, i've been getting 40-50 topic subscription notice in my email.
i didn't subscribe to that much much topic everyday but for some reason it auto subscribes for me and i keep getting updates when someone posts in the topic.
it's like automatically subscribe for me and it selects topic randomly.

when i log in to my control panel, there's no such topics subscribed .. only showing topics which i subscribe myself

is it a bug?
help

tired of cleaning up my mailbox everyday ...

DLINK 2540T - LAN connection disconnects often

mmohdnor — Sat, 14 Jul 2007 12:36:07 +0800

Broadband provider
ISP/package: Streamyx 512 package
Location: Bayan Lepas, Penang
Have you called your ISP's helpline?: Not yet

Personal equipment
Modem: Dlink 2540T (modem & 4 port router)
Router: internal
Firewall used: disabled
Firmware version : stock firmware V3.02B01T01.EU-A.20061023 (no other firmware can be one so far)
Number of PC's in network : 1

Problem details
First occurence of problem: since day one of purchase, 2-3 weeks ago
Problem frequency: everyday, unpredictable
Problem description:

Recently i changed my old modem from Aztech DSL-600ER to this Dlink 2540T. Wanted to buy the DSL-504T, but that one was phased out already.

Anyway, this 2540T modem seems to have problem of frequent "LAN cable disconnection". (not streamyx connection)
The modem stays to be connected to streamyx, but every few minutes (about an hour or so, random), my windows suddenly say "Local area network is now connected" as if someone took out the LAN cable and put it back in a fraction of second. Sometimes this problem don't even occur for the whole day.

I do use this modem for torrent but most of the time, my u-torrent shows 'port is not open'.
I already disabled any firewall features in the modem and my PC. UPNP was also enabled in the modem, however, i don't do port forwarding.
Even when no torrent is running, the problem still coccurs.

It's really frustrating when u r downloading something and suddenly your LAN connection was disconnected for a fraction of a second.

anyway, this is my dsl status :
downstream snr : 11 dB (seems ok to me)
upstream snr : 27 dB (seems ok to me)
dwn line atten : 39 dB (yeah, this one is not good)
up line atten : 23 dB (typical for streamyx)

But, I don't feel it's bcoz of low SNR. The modem still stays connected to streamyx with the same IP for days.
When i change to my old modem, everything seems to be fine.

Any clues whats the problem? is there any feature that I mistakenly turned on?

I hardly find any topic/forum/firmware regarding this model

can't copy my documents when put in another PC

mmohdnor — Sat, 16 Jun 2007 18:02:12 +0800

i can't copy my own 'my documents' ..

my winxp got corrupted ...and cannot be repaired with the installation cd ..
so i put my hd to another pc/laptop but i'm not able to copy it

it says file copy protection bla bla ...no access ...access denied .. etc

any clue how do i retrieve these files?

Malaysians not prepared for retirement?

mmohdnor — Sun, 27 May 2007 11:30:07 +0800

they way i see it ... it is the salary standard which is not enough to give u the purchasing power like it does before ..

i feel like they can't blame m'sian not prepared for retirement .. i think ppl 'rush' to at least buy a house, 2 cars and raise their kids well before they retire ...
it's like, so many things to buy, yet so little money earned/saved ...

they just gonna think about some other way of earning money after that ..

haha ..

** i like the story in blue color fonts!! ... that's the problem!

Counting on the nest egg

By SHAHANAAZ HABIB
http://www.thestar.com.my/news/story.asp?f...=nation&focus=1

With people living longer, marrying and having children later and not saving enough, facing retirement is a challenge. While there is growing awareness about the need to plan, less than 5% are prepared for retirement and fail to take into consideration inflation rates and rising medical costs.

IN 1981, when Azman graduated, he got a job in KL which paid him RM1,800 a month. He bought an imported Mazda at RM17,000 and months later he put down money on a RM78,000 single-storey terrace house.

Today, 25 years later, Azman's daughter has just finished university. Her starting pay is RM1,800, just like her father's two and a half decades ago.
But unlike her father's time, imported cars cost over RM100,000 today. So Latifah has opted to buy a Proton for RM45,000 (more than double what her dad paid for his first car).

While her father could afford to buy a house early in his career, Latifah can't. Houses in KL these days cost at least RM200,000, so she has to work for a few years first before she can own one.

Compared to 25 years ago, the prices of goods, food, petrol and electricity have all gone up. Understandably, it's an uphill task for Latifah to save on her RM1,800 salary, since the purchasing power of her salary is much lower than her father's back in the 1980s.

It is a fact that wages have not moved in tandem with the rise of the cost of living and inflation. That trend is expected to continue.

And if people do not start planning early for their retirement, they are going to find themselves in a spot after they turn 55.

Today, three meals cost you RM20 but in 20 years time - with an inflation rate of 6% a year - you will need RM64 per day for the three meals, estimates financial consultant Hazel Ong Archibald of CIMB Wealth Advisors (see Chart 1). The government puts inflation rate at 3.2% to 4.8% but Ong says in urban areas, that figure is about 6%.

So while the RM500,000 in your EPF or bank account at retirement might look good on paper, she says, if you do not invest that money to make it grow at a rate higher than the inflation rate, 20 years later, it would be worth only RM145,053 in purchasing power!

While there is more awareness about retirement planning these days, particularly in the urban areas, in reality this does not often translate into preparedness.

Why?

"Because it is more pleasurable to spend than to save," opines Ong.

People understand - at head level - the need to plan and save, she says, but at heart level, emotions rule and instant gratification wins the battle.

"I wanted to persuade a friend to save for the future but she kept saying she had no money but then later I saw she could sign up RM3,000 and RM5,000 for some slimming packages!"

Reality hits when people find that they cannot afford to retire because they had not seriously put aside the money early on in life.

"Less than 5% are prepared for retirement," estimates Life Insurance Association of Malaysia (LIAM) president Ng Lian Lau.

He says those in their 20s think they are too young to think about retirement, while those in their 30s and 40s tend to believe they are doing enough because they have their EPF savings, and those who are 55 feel it is just too late for them.

And the truth is at 55, most people cannot afford to retire.

"People are living longer, life expectancy for women is 76 years. For men it's 72. With this kind of longevity, people have got more than 20 years after retirement. 60 would be a more ideal retirement age," he says.

People are marrying later too, points out Ong.

Which means they are having children later in life. If a person has a kid at the age of 35 and retires at 55, the odds are that his child at 20 would probably still be at university or college and his education require financing.

On average, the Malaysian household spent 5.7% on education last year. With the cost of education rising by 6% each year, this is expected to climb steadily.

While parents might buy an education insurance plan for their children, Ong has found that 90% of the time the amount is insufficient. More often than not, parents are willing to give up "everything", including their own retirement fund for the kids. Which leaves them in a vulnerable position in their old age, unless of course their children provide for them.

As for life insurance, only 40% of Malaysians are covered. Ng says this is a small number compared to 100% in Singapore, 80% in the United States and 400% in Japan (where one person has four policies on average).

And even if one has a life policy as well as savings from the EPF, people should still worry about retirement. This is because without a new source of income, that money would run out. This is especially so if one runs into health problems which is common when people grow older.

"Medical inflation is easily 15% each year. And this could really eat into the savings," warns Prudential Assurance Malaysia Bhd CEO Tan Kar Hor.

Tan likens the medical bill as a "hole" which if not plugged would leak away one's entire retirement and savings.

"It's only a question of how the big the hole is," he says.

So parliamentary secretary to the Finance Ministry Datuk Seri Dr Hilmi Yahaya's announcement on Thursday that amendments to the Employees Provident Fund Act would allow contributors to withdraw money to buy insurance for critical illness for themselves and their family is welcome news. The amendment Bill was passed in Dewan Negara that same day.

So how much would one need for retirement?

Experts say this depends on the individual and his lifestyle. And how much he is willing to reduce consumption - to eat out less often, buy fewer things, live in a smaller house, drive less, drive a smaller car and travel less.

The rule of the thumb, says Ng, is managing on 60% of your last drawn pay.

For Ong, it's 70% of one's current lifestyle. If a family in Kuala Lumpur with two kids and two cars needs RM5,000 today, at retirement, expenses should go down to RM3,500.

Even based on this calculation, one would need RM747,000 if one were to live for 25 years after retirement, and RM806,200 for the next 30 years, factoring in the inflation and interest rates.

Going by statistics revealed in EPF's 2005 annual report, about 90% of EPF contributors have less than RM100,000 in their accounts. So sole dependence on one's EPF savings as a safety net is not good enough.

Assuming that one can live on RM1,000 a month, to survive for 25 years, one would still need a substantial RM300,000 and for 35 years, RM420,000.

Bank Negara's Counselling and Debt Management Agency (AKPK) CEO Mohamed Akwal Sultan reckons a person should not start purchasing big assets like property or a house late in life as the danger is that once they have retired they may not be able to meet the instalment payment on it.

"When you are in your late 40s, you should be winding down and not committing to high expenses to buy big things," he says.

AKPK has dealt with a number of cases where retirees have had banks auction off their houses because they could not meet the monthly loan payment.

There is also the problem of credit card temptation. Ng notes a worrying trend that more and more younger people are becoming bankrupt as they are spending "tomorrow's money". Which basically means these people are not saving or building their retirement nest.

Ideally, Ong says, people should start saving from the time of conception; that way would be able to enjoy the magic of the compounding effect (see Chart 2).

Prudential's Tan says a noticeable trend is that while the younger generation is prepared to invest in new financial instruments, the older generation gravitates towards fixed deposits.

"That is very risky because you would not be able to accumulate enough because the interest rates can't meet the inflationary rate and your money is getting smaller," he says.

He believes given the current life span, it would do retirees good to be more aggressive in their investment.

"In investing, you should not be looking at the date of retirement but rather the date of potential death which is probably still another 21 years away after retirement," he says.

He recommends that people only keep about six months of their monthly expenses in the savings and FDs and put the rest in investment products that generate more income than the inflation rate.

Ng believes a good private pension would help people in their retirement years. In developed countries, money put into savings for retirement is not taxable, neither is the profit from that investment.

"When you retire, you can't take the money out in a lump sum either or you'd have to pay tax on it. This will force you to withdraw your money on a regular monthly basis for retirement because that's tax free," he adds.

Singapore has such a scheme, the voluntary Supplementary Retirement Scheme, which complements the Central Provident Fund (CPF). Such a scheme has not taken off in Malaysia for a number of reasons, says Ng.

It would be a loss of revenue to the Government because people would not be paying taxes on money put aside for retirement. It would benefit only the rich and middle income group as the poor might not be able to afford it, he adds.

"Perhaps it hasn't taken off too because the Malaysian economy is pretty dependent on consumer spending. And the Government wants you to spend," he adds.

Ng says there should also be an asset liquidation law in the country. It is puzzling that there are all sorts of incentives for asset accumulation, he says, but none for liquidation.

An example of asset liquidation would be to reverse mortgage your house to the bank in return for a guaranteed monthly income until you die.

The asset would at the end of the day belong to the bank or insurance company. But in the meantime, the person has the right to continue to live in the house until death and get a monthly income too.

"If they outlive the value of the house, the bank loses," he says.

As our population ages and life expectancy increases, more thought must be given by both individuals and the Government on how to develop a culture of planning and saving for one's retirement.

Suggestion in Control Panel

mmohdnor — Sat, 19 May 2007 15:10:00 +0800

I would like to suggest to Mods to add the thread starter's name in our subscribed forums (the one in our Control Panel).

Currently items displayed on in our Control panel are :
Topic, Replies, Views, Last Post, Subscribed On, Subscription Type.

It would be great if we can know the Thread Starter's nickname too.

* like myself, i subscribe to a lot of topics, especially in BULK/Garage sale forum ..sometimes got confused which seller is selling the item ..LOL!

Thanks! Long Live LYN!!

apple iphone on apple website

mmohdnor — Wed, 10 Jan 2007 23:29:46 +0800

saw it on the apple's website today ..

http://www.apple.com/iphone/

what do u think? .. looks cool

cpu-z 1.35 vs. cpu-z 1.36

mmohdnor — Thu, 14 Sep 2006 15:37:11 +0800

Hey, i wonder why cpu-z 1.35 and cpu-z 1.36 got a bit of change ...

(see the pic below )

In version 1.35, the FSB is 133mhz ... but in 1.36 the bus speed is 133mhz ..
you got what i mean rite?

Anybody care to explain ...?? Does this applies to AMD and Intel processors too ?

I know that intel cpu's nowadays is quad pumped and amd is double pumped. But why the naming changed?

Why put 'Rated FSB' there rather than 'bus speed' such as in 1.35? Been using cpu-z for overclocking for a long time .. just wondering why this thing changed

Thanks!