Hey, pay back your PTPTN loan now. Don’t ever delay any payment. PTPTN don’t have much fund left. It needs your money to lend to others. Hurry up and pay back!!!

Above was the letter that I got from PTPTN. Asking us to pay back the overdue loan payment. Some of my friends also getting this letter from PTPTN. Hmm… Don’t know how to pay back? No worry, just follow the guide ~ How to pay back PTPTN loan online? Be sure to pay it.

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Hey, do you have any credit card with you? How many cards do you own? With announcement of RM50 annual service tax on principal card and RM25 for supplementary card during Malaysia Budget 2010, some people already started to reduce the quantity of their credit card.

Cancel your credit card?

By the way, this is a special service tax. Even though you have a free for life credit card that you don’t need to pay annual fee, you still need to pay RM50 annual service tax to Malaysia government. (Refer here) Malaysia Prime Minister, Datuk Seri Najib Tun Razak said that RM50 for credit card not a big deal to Malaysians. And they are getting the extra RM1,000 tax relief. (refer here)

Does this RM1000 tax relief really help Malaysians? Lets do some calculations… For example, I have 2 banks’ credit cards (both MasterCard and VISA). (This is very common to all Malaysians, some have even more than 10 principal credit cards). So I need to pay 4 x RM50 credit card service tax, total == RM200. And I am in tax range of 13% which mean that I can only get RM130 back from RM1000 tax relief. In the end, I need to pay RM70 (RM200 – RM130) more back to Malaysia government. So who is benefit from this? Malaysia government or Malaysians?

For me, I am sure that I will cancel extra principal cards and supplementary cards to avoid paying more tax. Maybe reduce to 1 MasterCard and 1 VISA credit card. How about you?

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Feel your website loading speed is slow? Don’t feel it. Gets a free tool from Pingdom to check your website loading time. It is as easy as ABC. Just key in your website address and click ‘Test now’. You will get result like below…

There is a detail view of the result which includes images, CSS, JavaScripts, RSS, Flash and frames/iframes loading time. I also discovered some broken links with this method. It is a nice free tool indeed. Hmm… Time to upgrade my theme again…

How much loading time is your website?

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I was using Google Gears on Firefox 2.x long time ago until a Google Gears developer broke some codes that crash with Firefox. And after upgraded to WordPress 2.8, I did not see the ‘Turbo’ sign anymore. I thought Google Gears is still not ready for Firefox 3.5 yet. Haha… I was wrong. The option to turn on Google Gears is at the WordPress Tools section all the while (I don’t even notice there are ‘Tools’ section until I read from a plugin readme ).

Okay, what is Gears? Gears is an open source browser extension that lets developers create web applications that can run offline. Gears provides three key features like…

• A local server, to cache and serve application resources (HTML, JavaScript, images, etc.) without needing to contact a server
• A database, to store and access data from within the browser
• A worker thread pool, to make web applications more responsive by performing expensive operations in the background

Your blogging time will be shortening with this Google Gears enabled. It will cut short the loading time, but you still need time to think what to write and type. Try it and believe it.

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Yeah… I always want to install WordPress comment reply plugin but don’t have threaded comments enabled at my theme last time. But I can install it after modified my theme to support threaded comments. So what does this comment reply plugin do? As the name, it will send email when someone replies to your comment. This is great for discussion. And will bring some return traffic too.

Example of replyMail

There is lot of WordPress comment reply plugin like WordPress Thread Comment, Comment Reply Notification, replyMail… The one that I am using is replyMail. It is a really nice plugin. But still can be improved. I will change the output to a better one as some of the email client like Yahoo Mail does not work well with it.

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