Wednesday, April 16, 2014

How To Check SOSCO @ PERKESO Number?

Other than Employee Provident Fund (EPF @ KWSP), all employee and employer in Malaysia are required to contribute to Social Security Organization (SOSCO) or also known as Pertubuhan Keselamatan Social (PERKESO). SOSCO provides protection to its member in term of medical and cash benefits, which include work related injuries, illness and disabilities, accidents and death at work place. This site provide a details description of SOSCO.

For your information, our SOSCO @ PERKESO number is our IC number (12 digits, without dash). For example, 790812135512. If you still want to confirm your Pertubuhan Keselamatan Social (PERKESO) @ Social Security Organization (SOSCO) number, you may:1) Call to SOSCO @ PERKESO customer service number 03-4257 5755 (Monday-Friday, 7:45am-5:15pm). I've tried this. The friendly customer service gave me my SOCSO number in less than 1 minute :)
2)  Check online for your SOSCO @ PERKESO number. Key in your IC number, and you will be shown your name and IC number (which is your SOSCO number)
Hope the above helps :)
But, first of all, you must be a registered SOSCO @ PERKESO member. 

Monday, April 7, 2014

Expensive Internet Access @ Broadband Package in Malaysia

Last week, my sister and my bro-in-law came to visit us from Taipei, Taiwan. One of the conversation is about internet access and internet packages in Malaysia. My bro-in-law was laughing when I told him that for my home internet, I am using 1MB @ RM110 per month. In Taipei, he's paying NTW1100 for 100MB! What a huge difference! 

Then, I did some goggling... Not to say to compare with Taiwan, even compare to our nearest neighbor, Singapore, we are still far behind..sigh... 

You can clink here for some of the comparison for broadband package in Singapore and here for broadband comparison in Malaysia.

Since nowadays, internet access @ broadband become necessary in our daily life, it should become more affordable to all rakyat.

photo credit: mkhmarketing via photopin cc

Thursday, April 3, 2014

6 Hobbies Which Can Generate Extra income

In this tough economics time, I would like share on hobbies or interest which can generate extra income.

1) Baking
I love home-baked cakes compared to those bakery-baked cakes. Because bakery-baked cakes are more for commercialize and in term of taste, I would say something is missing. Usually, I would order cakes or cookies from friends or home-based aunties for Chinese New Year celebration. Recently, my family also started to order birthday cakes from my nephew's schoolmate. So, I can see a lot of potential income for those who love and enjoy baking. I am sure baking one cake a week can bring you some additional income which you've been looking for.

2) Photo Taking
I read a lot of articles from International Living on how individual or couples generate income from selling photos they took. It can be anything. It can be photos of sunset view in Bali, photo of a busy street in Tokyo, photo of a white sandy beach in Belize, photo of beautiful sakura blooming in Osaka and many-many more. These photo been uploaded to websites such as ShutterStock or ShutterPoint where others can download or purchase these photos at certain price. Thinking of this idea (uploading the photo once, then can be downloaded/purchased multiple times) is really exciting! Don't you think so?

3) Blogging
Many part-time bloggers successfully make a good extra income from blogging. I would say that it is not difficult to make money online but I would say that it is not easy to make a lot of money online and it is even harder to consistently make a lot of money every month from blogging. Nowadays, anyone can own a blog, thus there are too many blogs out there. You will need to be more creative, specific and unique if you wish to earn a lot from blogging. For those who really enjoy blogging, many of them turn from just-a-hobby to their full time job.

4) Sewing / Quilting
I know a few friends who spend their free time sewing or quilting. Some are selling their handmade masterpiece for a good price. Some are sewing/quilting based on demand, for example as a gift for a newborn. I think this is getting popular now. I have seen some who sell their handmade masterpiece at local market as well.

5) Cooking
During Raya celebration last year, hubby and me visited his Malay friend who celebrated Hari Raya. He cooks wonderful meals and bakes very nice cakes and cookies. He shared that he's also taking catering order. He said he will be especially busy during festive season as his Chinese friends also ordering from him to prepare halal food for Chinese New Year open house. Some times, he's also involved in catering for wedding ceremony and any other special occasions. And he's charging at reasonable price too!

6) Writing
Recently, through Instagram, I've been following a few individual who are travel writers. They travel and write about their experience. They can publish it on their blog or sell to websites or magazines . Even if you are not a travel writers, you can write about your personal experience, your idea, your view, your 'how-to' and sell your articles to websites or magazines. 

Other than those I shared above, I am sure there are many more hobbies which can help to generate additional income. Of course one cannot expect to generate a lot of money but isn't it great to do something we enjoy and been paid for it? Hopefully, these additional income can ease the financial burden in this tough economic time. Feel free to share with view with me.

photo credit: French Tart via photopin cc

Thursday, March 20, 2014

My First Private Retirement Scheme (PRS) Investment

By now, I believe most of us, the wage earners in Malaysia had heard of Private Retirement Scheme (PRS). In December last year, I started my first investment in Private Retirement Scheme (PRS). I have 2 consultants from different firms who had shared their PRS funds with me earlier. I invested in Manulife because the timing for the consultant to share with  me is right and she is very consistent and quite professional in my previous dealing with her. Btw, I also had other investment with her. So, I feel quite comfortable with her style. Back to my PRS investment, upon filling up the forms and answer a few questionnaires, the fund which is compatible with my 'investment taste' is Manulife PRS Growth Fund. Since 2013, I had done some reading about PRS, so I roughly had some idea what is PRS. If you wish to know more about PRS, I suggest you read about it here and here.

Well, if you've invested in PRS as well, do share with me which fund you're investing in.

photo credit: scottwills via photopin cc

Thursday, March 6, 2014

EPF@KWSP - EPF Declares 6.35 Percent Dividend Rate For 2013

It might be a bit late, but I still wish to share the news on EPF 2013 dividend rates. It is 6.35% for 2013! Quite impressive. And as an EPF@KWSP member, of course I am very happy for the 6.35% dividend. On the night of 16 Feb 2014, upon hearing the news from my tv screen, I tried to log-in to my i-Akaun. It was very smooth and I managed to log-in successfully and there's no lagging. And the dividend already updated in my i-Akaun. This is huge improvement. I remember last year, the dividend only been updated in my i-Akaun on the next day. And when I tried to log-in to my i-Akaun the next day, I need to wait for quite some time as there's message 'the site is busy'. For this year, this is another great improvement by EPF@KWSP.

You can access the news on EPF@KWSP 2013 dividend announcement here.

And I am looking forward for more a more fruitful year ahead :)

Monday, December 16, 2013

How To Check Your EPF@KWSP Number?

If you had forgotten your EPF@KWSP number and you need it urgently, you just need to make a phone call to EPF Call Management Centre (CMC) or Pusat Panggilan KWSP at 03-89226000 (operation hour: Monday-Friday, 8am-6pm). I had done this before. The CMC staff is very helpful, friendly and most importantly efficient and provide me with accurate information. When I called them to inquire my EPF number, the call was picked up in a few seconds. When I told them I need to check my EPF number, the staff asked for my IC  number and my name for verification. Once verified, he gave me my EPF number accordingly. All this just take less than 2 mins.

Of course, other than calling the EPF CMC, there are other ways to get your EPF@KWSP numbers:

1) If you had i-Akaun, just log in to your i-Akaun and from there you'll get your EPF number;
2) Ask for your EPF number from your existing employer Human Resource Department;
3) If you had keep a proper filing for the yearly EPF statement, you can get the EPF number on the EPF yearly statement too;
4) Go to the KWSP offices nationwide to ask for your EPF number;
5) Go to your nearest KWSP Kiosk

But, I find the easiest and fastest way is by calling EPF CMC number at 03-89226000. EPF CMS also provide multiple services to all EPF contributors in Malaysia. For other services provided by EPF CMC, feel free to visit EPF CMC page.

For the details location of EPF branches and EPF Kiosk throughout Malaysia, feel free to visit KWSP website.

Hope the above helps :)

Friday, December 13, 2013

How To Renew Your Malaysian Passport in Kuching?

Today I am taking the day off to renew my passport.

Below are some quick information if you're planning to renew your Malaysian passport in Kuching. This is the requirement as at 13 Dec 2013 as it might change from time to time:

Bring along:
1) Your IC
2) Your old passport
3) 2 recent passport size photo (must follow the recent requirement - white background, not teeth shown...)
4) Your cash (RM100 for 2 years international passport and RM300 for 5 years international passport)

1) Go to Level 2, Bangunan Sultan Iskandar at Simpang Tiga.
2) Proceed to Counter 1 to get the queue number. The officer will check whether you had your IC, old passport and recent passport size photo with you. Once completed, the officer will give you a queue number. Wait for your queue number to be called.
3) When it's your queue number, go to the respective counter. The office will serve you - ask whether you would like to renew for 2 years or 5 years, verify your personal details and if there's any changes, then verify your left and right thumb print. Then, the officer will print out the renewal form where you put down your right thumb print. The officer will ask you to sit down and wait for your name to be called from the payment counter.
4) When your name being called from the payment counter, proceed to the counter and bring along your cash. After payment made, the officer will provide your an official receipt with remark - time and date to collect your new passport. Mine was to collect 2pm in the afternoon.
5) To collect the new passport, make sure you show the officer at Counter 14 or Counter 15 the official receipt. The officer will give you a new queue number. Wait for another 10 or 15 mins (depends on the crowds), when your number being called, the officer will show you the new passport, ask you to sign on the form to prove you've taken the passport. Then, the officer will ask you to double check the personal detail on the new passport. Once confirmed, the officer will ask you to sign on the passport. She'll pass back to you your old passport and it's done.

Important note:
1) Try to arrive as early as possible and preferably in the morning. I arrived at around 8:30am and was given number 66. They serving counter was 16. And most importantly, the queue number counter was closed at around 9:30am today. No more queue number given. Means that you'll need to come back at 2pm and queue for your number. In the afternoon, I saw a very long queue at the front of the office for the queue number. At around 2:30pm, there's an announcement that no more queue number to be given for that afternoon. So, you better arrive as early as possible. The official operation hours is available on Immigration Department of Malaysia.

My Suggestion to improve the Service at Kuching Immigration Office:
1) Ensure more counter are serving during operation hours. Today, at around 9am, only 2 counters are serving. At round 10am, about 5 counters are serving. Total, there's 15 counters (registration counter, including payment counter, 2 collection counters, a special counter). Imagine  if 10 counters are serving from 7:30am till 5:30pm. I am very sure there's be many happy citizen walking out from the Kuching Immigration Office.More counter meaning less waiting time and highly effective operation.
2) Dont close the number counter so early. Can you imagine those applicant come as far as Serian and have to wait till 2pm to get her queue number? How about someone with young kids?
3) Have a special counter for senior citizen, woman with young kids or those with special needs.
4) Have separate counter for renewal and for new application. Renewal of passport will be faster. This will speed up the process and reduce the stressful waiting time.
5) Get better seat for the crowd. I think average waiting time will be around 2 hours for each applicant. The seat looks quite old and not comfortable. Some are standing because not enough seat available. 
6) Install a tv so that there's light entertainment while the crowds are waiting

Overall Service Experience
Other than the above suggestion, I would like to say that I am pleased with the service provided by the officers at Kuching Immigration office. They are friendly, pleasant and helpful. My hope is that the procedure will be smoother and faster. It is important to respect others' time as I think it's not right to have to wait for hours just to renew my passport. I hope the service will be further improved for the benefits of all Kuchingites :)