• salinan ic/kad polis (2 salinan disahkan majikan)
• 3 bulan slip gaji terkini (2 salinan disahkan majikan)
• salinan muka depan buku bank
• penyata penyelesaian awal untuk tempoh 1 bulan (jika perlu)
• surat opsyen persaraan untuk peminjam yang melebihi 56/58 tahun (jika perlu)

• yuran proses pembiayaan 3%
• duti setem rm50.00
• insuran perlindungan takaful (mengikut umur dan jumlah pembiayaan)
• 1 bulan sekuriti deposit (dikembalikan setelah pinjaman dijelaskan)
• bayaran rm12.00 kepada jabatan insolvensi (carian bankrap)

How to jailbreak and unlock iPhone 4 / 3GS on 5.0.1 with Ultrasn0w 1.2.5 and Redsn0w 0.9.9 b9d ? Well, couple of days ago we reported you that iPhone Dev-team will release ultrasnOw 1.2.5 to unlock iPhone 4 and iPhone 3GS on iOS 5.0.1 by Monday, but it looks we have early release for ultrasn0w 1.2.5.

As we told you earlier that ultraslOw 1.2.5 is only minor update to unlock the already unlockable basebands on iOS 5.0.1 for iPhone 4 and iPhone 3GS.

Ultrasn0w 1.2.5 support the below basebands :

§  01.59.00

§  04.26.08

§  05.11.07

§  05.12.01

§  05.13.04

§  06.15.00

How to know your iPhone's baseband version ? Go to Settings > General > About > Modem Firmware

Required Downloads:
 

§  Download Redsn0w 0.9.9 b9d for Mac / Windows

§  Download iOS 5.0.1 ipsw for iPhone 4 / 3GS

§  Download iTunes

To unlock iPhone 4, 3GS with ultrasnOw 1.2.5 on iOS 5.0.1 you have to know that :

You MUST jailbreak your iPhone 4 or iPhone 3GS with Redsn0w or sn0wbreeze using custom ipsw firmware to preserve your old basebands to be able to unlock your iPhone with ultrasn0w 1.2.5. If you are using Gevey SIM you can follow this guide.


 

How to Unlock iPhone 4, 3G 5.0.1 with Ultrasn0w 1.2.5 [Tutorial]

Step 1: Connect your iDevice with your PC via USB and open Redns0w you just downloaded above.

Step 2: Start Redsn0w, press on "Extras" > "Custom IPSW" and then point Redns0w to iOS 5.0.1 ipsw firmware that you downloaded above.

Now Redsn0w will start cooking your custom iOS 5 ipsw firmware

Step 3: Click on "Pwned DFU"

Step 4: Now make sure your device is both OFF and PLUGGED IN to the computer before you click “Next”.

At this stage you will be presented with a screen where you will be guided on how to enter DFU mode. Quickly hold “Power” button and then while holding the “Power” button, you will now have to hold “Home” button too. Now after few seconds release “Power” button but keep holding “Home” button until installation begins.

Step 5: Open iTunes then Restore your iPhone 4, 3GS to the Custom iOS 5.0.1 ipsw (the file name begins with NO_BB).

Step 6: Now Open Cydia > Manage > Sources > Edit > Add then write the following repo :
 

http://repo666.ultrasn0w.com

Step 7: After installing this repo, tab on search and search for ultrasnOw then install it.
 

Congratulation, now you have unlocked iPhone 4, 3GS on 5.0.1 using ultrasn0w 1.2.5.

• iPhone 4 ( GSM)
• iPhone 3GS
• iPad 2 WiFi
• iPad 2 GSM
• iPad 2 CDMA
• iPad 1
• iPod touch 3G
• iPod t ouch 4G

• iPhone 4 (GSM)
• iPhone 3GS
• iPad 2 WiFi
• iPad 2 GSM
• iPad 2 CDMA
• iPad 1
• iPod touch 3G
• iPod touch 4G

also select Multitasking and Battery Percentage and click "Next".

cell phones & accessories hot item

South Korea's Samsung Electronics will file lawsuits to try to block the sale of Apple's iPhone 5 as part of its global legal tussle with the US technology giant, a report said.

The two firms are at loggerheads in a series of patent lawsuits over the technology and design of their smartphones and tablet computers.

Maeil Business Newspaper cited a Samsung official as saying the firm would "strategically" launch the legal actions as Apple was expected to start selling the much-anticipated smartphone next month.

"We have not yet decided whether to launch the suits in South Korea or in a third country," the unidentified official was quoted as saying.

It was unclear whether Samsung would seek a sales ban only in South Korea or internationally. A Samsung Electronics spokesman declined to comment.

Apple has accused Samsung of "slavishly" copying the technology and designs of its market-leading iPhone and iPad.

It has filed complaints in countries including Germany and Australia, seeking a ban on sales of Samsung's Galaxy S and Galaxy Tab.

Samsung, the world's biggest memory chip maker and the number two mobile phone maker after Nokia, has launched counter-suits claiming its US rival infringed its wireless technology patents.

Samsung however vowed to appeal, saying it would actively take "all available measures, including legal options" to defend its presence in the European market.The Suwon-based company earlier this month was forced to withdraw its new tablet PC from a major electronics fair in Berlin after a German court approved a request from Apple to ban sales and marketing.

The company said last week it had filed complaints in France against Apple alleging infringement of three mobile phone technology patents in the US firm's iPhone and iPad.

The complaint was filed before a Paris district court in July and the first hearing is expected in December.

Despite their legal battles, Apple is one of the biggest customers for Samsung's chips and display screens.

- AFP

For anyone out there who is considering whether or not to make the leap and purchase the iPad 2, this review is for you. If you're still debating between the iPad 1 and the iPad 2 check out my review of the first generation iPad right here on Amazon to see a discussion of its strengths and weaknesses with a number of people commenting (both positively and negatively) over the past 11 months.

Let me begin by saying this upfront, I don't work for Apple, I don't own Apple Stock, and whether you buy an iPad, Xoom, a laptop or a pad of paper and pencil I don't get anything for writing this. I'm not an Apple "fanboy" although I can give credit where credit is due and lately Apple has deserved a lot of credit for some of their products.

Physical Characteristics
The iPad 2 is absurdly thin. More importantly than it's thinness is its tapered edge which feels more natural in your hand. One of the biggest complaints about the original iPad was it really wasn't tremendously comfortable to hold for long periods at a time. For a tablet device designed to be held, that's a pretty big deal. Apple really has done an amazing job of cramming everything into an even smaller space than before and the difference is really noticeable when you're holding the device. In addition to the tapered edge, Apple managed to reduce the overall weight of the iPad 2. That might not seem like a huge deal to most, especially when you consider the weight difference isn't tremendous when you're already under 2 pounds, but I spend a good part of my day holding the iPad in my hands and the weight difference is surprising by the end of the day. The first generation isn't heavy by any means, but the iPad 2 outshines it.

New and "Improved"
Apple doubled the RAM in the iPad 2 from 256MB to 512MB. What does that mean? For most casual users, probably not a whole lot. There is a performance bump that everyone will see the effects of in things like loading times for webpages that are open in the background, but 256MB was sufficient for most daily use and games. If you're planning to use your device for some of the more graphically intense games the iPad 2 does offer a better method of graphics processing that'll help deliver faster images with fewer jerky movements. If you're just playing Angry birds and reading e-mail you're not going to know the difference.

The screen is the same for all real purposes. It is technically a "new" part in that it isn't identical to the old, it's a bit thinner and more efficient, but it's the same resolution. The Glass is thinner though, and this amounts to a fair bit of the weight loss from one generation to the next. In playing with the device it seems surprising but despite feeling lighter it actually feels more sturdy in your hands. I still wouldn't suggest dropping it, but if it were to fall the iPad 2 certainly feels like it might stand a better chance to survive. Try not to drop it though.

The addition of 2 cameras was expected. Some were a bit surprised to see the first generation released without the cameras. Whether it was for a price point consideration, or a means to get people to upgrade, Apple held off until iPad 2. The cameras do a reasonable job, but they're not going to replace a dedicated digital camera, or really even the camera on your phone for most still images. The cameras do a substantially better job with video, and FaceTime is probably one of the best reasons to get the iPad 2 over the original iPad. For those who might not be familiar, FaceTime is Apple's face to face conferencing system, kind of like Skype, or if you'd rather, kind of like the Jetson's TV/Phone. With the push of a button you can be having a face to face chat with a loved one just about anywhere in the world (provided they're on a wireless network at the time). FaceTime doesn't work over 3G natively (it can be used over a wifi connection created by a 3G device however) so you're not going to be able to use it in your car anytime soon. This is probably a good thing though. It is incredibly easy to use and if you know other people with an iPad 2, iPhone 4, or Mac it's a lot of fun.

Smart Covers aren't really "smart" but they're really very useful. Not only do they provide a stylistic enhancement of the device, but they serve a practical and functional purpose of doubling as a screen protector and stand in 2 configurations. You can find them in a variety of colors and from third market suppliers, and it's a safe bet that more will be out soon to capitalize on the magnetic sensors in the iPad 2. It's unfortunate that this same feature can't somehow be retrofitted to the iPad 1, I wouldn't have thought a case would be a compelling reason to consider a product over it's competitor, but these covers are really so useful it's hard to understand why they've not been there since the beginning.

Multitasking Support
One of the biggest knocks against the iPad when first released was the lack of native multi-tasking support. Jailbreakers added the feature quickly and Apple soon realized it would be a requirement for any future device's success and released an OS update that included the feature. The iPad 2 capitalizes on that progress and takes it a step further with the increased RAM enabling more open applications to be suspended at once, and the time to open or close an application has improved as well. That said, even the first generation managed to open and close apps faster than most people would be used to on their computers, so while this is an improvement it's more akin to showing off.

Apps
One thing that Apple has clearly the advantage in for the moment is app availability. The App store has close to 70,000 iPad specific Apps, all of which will work on the iPad 2. The new cameras will undoubtedly see this list expand rapidly, as will the inclusion of a gyroscope for gaming and motion based uses. There are also a substantial number of professional applications ranging from document creation to photo editing and vector drawing. Chances are if you can dream it, there's an App for that (and if not you might want to get started on one to fill in the gap). The Android market is making a strong showing, and ultimately it'll likely be a strong competitor, for now it still has a ways to go, but any potential buyer should consider the strength of the application market before buying a tablet.

Pros:
Weight. Seriously. The minimal weight of this thing is by far the most impressive feature about it in my opinion. It seems to defy physics and logic that so much could be in such a small space working that hard for that long.

Battery Life. From full to dead my iPad 2 went just over 11 hours with the movie Robin Hood showing twice during that time, the screen at half brightness, wifi turned on, an Angry Birds marathon and a good portion of a book in ibook. That's better than a work day and that's constantly on.

Books. This is definitely a Pro, but reading itself could go either way. The great benefit to the iPad is having access to Google Books, ibook, Nook, and Kindle. This allows for some comparison shopping and price competition (although for the most part they're all usually about the same). Reading in the evenings in bed is great as the back light means you don't have to worry about keeping others awake, but the glass screen causes some glare trouble when trying to read outside or near a sunny window. If you're an avid outdoor reader the Kindle might still be your best bet.

Cons:
Still no dedicated USB support. While there is a camera add-on that allows for certain USB devices to be used there is no option for mass storage. Some of the Android Tablets allow for this and if you find yourself wanting to use your tablet as a standalone storage device this might be something to consider. The device can read from certain flash drives though, but is largely limited to photo and video files. Jailbreaks offer solutions to this, but those come with their own issues as well.

Still no dedicated SD card slot. This is troublesome on two fronts. First, if you want to import pictures from your camera you have to have an adapter which is just one more thing to carry around. Second, the lack of expansion means you're limited to what you purchase in terms of storage. I purchased a 32GB iPad last time and never filled it up completely, so for me capacity wasn't an issue. If you want to be able to have your entire movie collection with you though... you may want to consider whether the iPad 2 can meet your space requirements.

HDMI output. Really this is a Pro and a Con. The iPad does allow for HD output over HDMI but again it requires an adapter. All of these adapters are additional purchases for features that some tablets offer built in. This can be a pain, but then again if you're not likely to ever use HDMI Output then you're not paying for something you won't use.

No Flash Support. This is becoming less and less of an issue as the internet and web developers are moving away from Flash for many websites, but there are a lot still out there relying on Adobe's Flash to run properly (including a lot of web based games). Before you pick a tablet consider what kind of websites you frequent and try and determine if they are Flash driven or not. If they are you may really want to consider something from the Android offerings as it is expected that they'll have at least some Flash support.


If you're in the market for a tablet device the iPad 2 should definitely be on your short list. If you're uncertain it is always best to go and play with these things hands on first if you can. Best Buy is a good place for that, so are Verizon Stores since they have the Xoom and 3G iPad. Don't get pulled into the hype and mania that comes with an Apple release. They're exciting and new, and they're impressive enough to warrant some excitement, but it will die down and there will be other products that prove a strong competitor to the iPad 2. If you're looking for right now though, this is probably your best bet. I gave the device 4 stars, as I did the iPad 1. I did this in contemplation of the features offered by competitors that are absent from the iPad, most notably the requirement for adapters for USB/SD/HDMI. While these features are there, they aren't as convenient as in other tablets. With that in mind I firmly believe that the iPad more than makes up for this in usability, reliability, and design and in those areas far exceeds its current competitors.

Introduction:

With summer in full swing and many people taking some much-needed vacations, tablets are increasingly becoming the gadget of choice to carry along on those trips away from home. Obviously, they’re much more portable than most traditional laptops, but even more, they’ve evolved tremendously to offer an experience that’s adaptive to our ever-growing needs. Although they share many physical characteristics with their designs, both the Apple iPad 2 and Samsung Galaxy Tab 10.1 are seemingly regarded as the cream of the crop in the tablet market right now. Surprisingly priced evenly at the starting cost of $500, the ultimate question comes down to which one is the better of the two.


Design:

By now, we all know the story behind these two razor thin tablets, though, it’s worth noting that the Samsung Galaxy Tab 10.1 takes the crown as being the thinnest and lightest tablet. To the eye, the two look almost alike in terms of thickness, but it’s only by a hairline that the Galaxy Tab 10.1 edges out the iPad 2. Still, we actually prefer the more refined and polished construction of the iPad 2 versus the plasticy nature of the Galaxy Tab 10.1. True, there’s nothing too polarizing with their straightforward designs, but the premium nature of the iPad 2 undoubtedly makes it the more highly prized of the two – especially when they sport the same price point. The plastic helps the Tab 10.1 to be lighter though.

Again, we find yet another similarity between the two tablets since they sport the best-looking displays we’ve seen grace tablets thus far. On one hand the Galaxy Tab 10.1’s PLS-LCD display sizes up at 10.1” with a resolution of 1280 x 800 pixels, whereas the iPad 2 comes in with a 9.7” IPS display and 1024 x 768 resolution. Honestly, they both exhibit a lot of detail, luminance, and vivid color production to wow anyone from afar, but after meticulously looking at both, the iPad 2 has a more natural looking color production. In fact, there is a slight blue tinge with the Galaxy Tab 10.1’s display with the color white – while at extreme angles, the color black turns to a subtle grey color.

Both the dedicated power buttons and volume rockers on the two tablets are distinguishable to the touch, while offering a sensible amount of feedback when pressed, but the iPad 2’s buttons jut out just a tiny bit more. In terms of other ports, they both flaunt proprietary data/charging connectors and 3.5mm headset jacks. The iPad 2 has a single speaker located on the back corner of the tablet, while the Galaxy Tab 10.1 offers stereo support with its left and right speakers.

It’s worth noting that their batteries are not user removable and will require you to send it out for service if you need them to be replaced. Additionally, they don’t provide any means of supplementing their internal storage capacities – meaning, you’re stuck with whatever you pick.

Interface and Functionality:

Considering that dual-core processors are all the rage nowadays, it’s not surprising to find them on these two premier tablets – a 1GHz NVIDIA Tegra 2 CPU with the Galaxy Tab 10.1 and 1GHz Apple A5 processor on the iPad 2. Needless to say, they’re more than equipped to handle the rigorous demands of their respective tablet platforms. With most basic operations like opening up apps and maneuvering between their homescreens, they’re effortlessly accomplished with barely any pause with their operation. However, it’s quite evident that the iPad 2 is more gracious with its movement since everything has this wickedly smooth feel to it. Interestingly enough, there is some evidence of slowdown when navigating across the homescreen of the Galaxy Tab 10.1 in portrait – though, it’s probably related to Honeycomb’s programming.

Ultimately, the biggest differentiator between the two is the tablet experience they have to offer. We’ve visited this before and it’s more of the same between the two as iOS on the iPad 2 is by far the easier and straightforward platform with its simplistic nature. Oppositely, there is a sprinkling of complexity attached to Android 3.1 Honeycomb on the Samsung Galaxy Tab 10.1, but it undoubtedly offers a ton more appreciable personalization with its live wallpapers and widget offerings. Moreover, Honeycomb better implements multi-tasking and notifications, which is still something not as clearly defined with the current available iOS experience.

When it comes to inputting text, neither has a drastic advantage over the other since their on-screen keyboards are well sized and responsive – thus, minimizing mistakes while speed typing. However, if you’d rather input text a different way, say like using your voice instead, Honeycomb on Galaxy Tab 10.1 offers voice recognition to easily speak what you want to write. Besides that, the overall traditional typing experiences on both tablets are identical to one another in terms of functionality, speed, and responsiveness.

If Gmail is your kind of thing, then it’s a no-brainer reason why you shouldn’t stick with the Samsung Galaxy Tab 10.1 on this one – especially when it’s running  Google’s tablet optimized platform. Of course, there are some additional features available at your disposal that tastefully emulates the desktop experience on the Galaxy Tab 10.1. However, the layouts of both email interfaces are basically the same as they utilize a familiar two-panel layout that’s more than informative and adept at displaying emails in full fidelity.

Taking a gander at their organizer apps, like the calendar and address book, they’re closely similar in presentation since they fully take advantage of their confines. For example, you have a two panel interface with their respective address books as one side acts as your scrollable list, while the other displays all relevant information associated to the selected contact. Again, we see similar elements in place with their calendar apps.

Internet and Connectivity:

Thanks to its Adobe Flash support, the Samsung Galaxy Tab 10.1 offers you that true desktop-like experience with web browsing that some are sure to adore and appreciate. Although it’s lacking on the iPad 2, it still delivers a resounding experience seeing that it’s easily more fluid with its navigational operation – like kinetic scrolling and pinch zooming.  Complex pages load in a timely manner with both, but we still have to hand it to the Galaxy Tab 10.1 on this one seeing that it has a tiny bit more features, like Flash support and incognito mode, that rounds out its overall appeal.

There is nothing out of the ordinary with these Wi-Fi only models, especially when they retain a solid connection to our local Wi-Fi hotspot. Furthermore, they both sport the same set of connectivity options like Bluetooth 2.1 with EDR, aGPS, and their proprietary dock connection ports. As we know, the iPad 2 is available in 3G form with AT&T and Verizon in the US, but the Galaxy Tab 10.1 will more than likely have the cutting edge when we see the LTE version arrive for Big Red.

Camera:

The Samsung Galaxy Tab 10.1 is the superior one when it comes to snapping photos. Blatantly, its 3.2-megapixel auto-focus camera produces images that are filled with better detail and color production. Looking at the same shots, you can clearly see that the iPad 2’s results are filled with soft details and washed out looking colors – making it look rather muddy and hazy overall. With macro shots, it’s obvious that images taken by the Galaxy Tab 10.1 are sharper looking. Additionally, there’s a noticeable amount of digital noise evident with the iPad 2’s shots in low lighting, which is something less prominent with the Galaxy Tab 10.1.

At the same time, 720p video recording with the Galaxy Tab 10.1 is considerably superior again versus the iPad 2’s production – and it’s like night and day between the two! Granted that they both shoot at the rate of 29 frames per second, we notice that there is a slight jerkiness to the Galaxy Tab 10.1’s video, but it’s nothing too detracting from its overall good quality.

Samsung Galaxy Tab 10.1 Sample Video:



Apple iPad 2 Sample Video:




Multimedia:

Sadly, there isn’t any headway with the music player on the iPad 2 seeing that it carries over the same one that we saw with its predecessor. Naturally, it’s more than functional in playing some tunes, but it’s obviously lacking that polarizing presentation that’s found with Cover Flow on the iPhone. However, the music player on the Galaxy Tab 10.1 is tastefully full of eye-catching visuals – especially with its 3D like carousel interface. Packing on left and right speakers, the Galaxy Tab 10.1’s output is rather neutral in tone, and it’s surprising to find the single speaker of the iPad 2 outputting deeper bass tones.

Without a doubt, both tablets excel when it comes down to playing high-definition videos since their processors effortlessly work in producing smooth playback. And since they have the ideal screen size for watching videos, they present a conducive experience for those long trips on the road. However, Galaxy Tab 10.1’s 16:9 aspect ratio is the preferred choice since for movies, while the 4:3 screen of the iPad is better for internet browsing.

Unfortunately, neither offer any dedicated HDMI-out ports to easily share content with the big screen. However, you can accomplish that and get treated to a mirrored experienced with the iPad 2 by using an optional HDMI-out dongle. With the Samsung Galaxy Tab 10.1, it’ll likely emulate the same functionality, but it’ll probably be in the form of some kind of pedestal dock.

Again, there is nothing new present with the photo gallery on the iPad 2 and it pales in comparison to the glitzy presentation and sharing prowess of the Samsung Galaxy Tab 10.1. In fact, the 3D stacked look of the gallery app on the Galaxy Tab 10.1 emulates a field of depth as you tilt the tablet accordingly. Besides the bedazzling look of the gallery, there’s a decent amount of sharing options with the Galaxy Tab 10.1. Oppositely, the only sharing function that you can execute with the iPad 2 is sending photos via email – that’s all!

Although both tablets are available in 16GB and 32GB varieties, it’s only the iPad 2 that pushes it up one notch by offering a 64GB version. Happily, we’re still more than content to see pricing on the same level with both tablets – even though we have seen others priced below the $500 mark.


Software:

On the surface, the YouTube apps on both tablets might have the same layout with its presentation, but we slightly lean towards the Galaxy Tab 10.1 on this one since there is more control given to the user. Specifically, you have the ability to choose either low or high quality with the Wi-Fi Galaxy Tab 10.1, but with the iPad 2, you can only get low quality if you’re streaming over a 3G connection – with high quality enabled all the time with Wi-Fi connections. Furthermore, the YouTube app on the Galaxy Tab 10.1 packages in the usual variety of sharing functions that we come to expect out of Android.

Being a Google powered platform and all, there’s no denying that the Google Maps experience with the Samsung Galaxy Tab 10.1 is going to be drastically better than the iPad 2. First and foremost, you get free voice guided turn-by-turn directions with Google Maps Navigation on the Android tablet. Secondly, it provides integration with some of Google’s other services – like Google Talk, Latitude, and Buzz. And finally, 3D map view with select cities just about rounds out the depth of features found with the Galaxy Tab 10.1. As for the iPad 2, it only delivers the most basic functions with Google Maps – such as getting directions, enabling satellite view, and getting street view.

Primarily because it had a head start, there are more tablet-optimized third party apps found with iOS on the Apple iPad 2 versus the Honeycomb powered Galaxy Tab 10.1. Despite being approximately 3 months old at this point, we still find a lack of venerable third party Honeycomb apps in the Android Market.

Performance:

Conclusion:

Literally, it’s a coin toss between the two mainly because they are priced evenly and have their own unique strengths that appeal to certain individuals out there. In terms of design though, we know that the Samsung Galaxy Tab 10.1 has the prestigious title of being the thinnest and lightest, but when thinking about their starting price of $500, the iPad 2’s thin profile, solid construction, and choice of premium materials radiates more value for the buck. However, Android 3.1 Honeycomb on the Galaxy Tab 10.1 offers a higher degree of personalization, better implementation of notifications, and an integrated experience that’s barely contested by the iPad 2. Additionally, Samsung’s tablet is the go-to device if you’re intimately interested in shooting photos and videos. In the end, it’s truly the platform experience that vastly separates the two, but no matter which way you dissect it, both are undoubtedly regarded as being the top contenders in this ever-growing tablet space right now.
 

Card Trick:
Have the spectator shuffle the cards, take half the deck and give the rest to you. "Now," you say, "while I turn my back, pick out a card, look at it, show it to everybody, and put it back on top of your pile."
Turn away and secretly turn the bottom card and the second card from the top face up.
When the spectator is done turn back. Tell the spectator to hold out his cards and place your pile on top of his. Even up the cards, and then direct him to place his arm behind his back saying, "Now I want to perform a little experiment with the cards behind your back."
Make sure that no one can see what happens behind the spectator's back and that he does not bring the cards forward. Say this to the spectator: "Take the top card ... no, put that onto the bottom, so that you know I'm not trying to fool you.
"Have you done that? All right take the next card, turn it over, and stick it in the middle. Even up the cards."
Have the spectator bring the cards forward. Take the deck and run through the cards until you come to the face up card. Ask the spectator to name his card. Turn over the next card. "As you can see you located your card yourself."
Tips: once in a great while the spectator will stick the card between the face up card and the chosen card. When you turn up the wrong card simply say: "You missed it by one," and turn up the next card.

The information presented in CTOS are only meant to be “information leads”.  Credit grantors examine and decide if these leads are of such material nature as to have such a significant impact that a further probe is warranted.

When further probes are necessary, credit grantors check with the relevant parties like the plaintiff, the solicitors or even the subject themselves of the case’s current status, the nature and origin and cause of such actions etc.

Credit grantors then make their own decisions accordingly in compliance to their own business strategies and policies.

Credit grantors the world over place great importance to the age old and proven maxim: " Know Your Customer!"

Credit grantors need information. In Malaysia, CTOS is clearly the preferred choice of these credit grantors for lead information.

CTOS collates factual information into an electronic media for easy, instantaneous, and accurate retrieval.

1. CTOS Self Check : Do a "CTOS Self Check" and see what information has been collated in CTOS about you.
2. Record/Settlement Update : If there are cases where you have made settlement but are not reflected in CTOS, you can have them updated by providing the necessary documentary proof. CTOS will insert a remark fo settlement/conclusion after receipt and verification of the proof submitted.
3. Subject Comments : This is a facility that allows you to 'tell your side of the story'. Please contact us as to how you can do this. This facility is usually used by those who want the enquirer to know more about the cases listed and want to give more explanation to them. Your comments will be also shown to the enquirer upon an enquiry being made on you.
4. CTOS Self Check is free.
5. Procedure for doing Self Check :
   For Individual
   1. Download and complete Self Check Form - Individual
   2. Get copy of IC and have form verified by the Commissioner of Oaths
   3. You can come to CTOS office personally to conduct self-check

Download Self Check - Individual

CTOS_self_check_individual.gif (84,5 kB)

For Company

1. Download Self Check Form - Company
2. Complete the form and affix Company stamp
3. Provide IC of Director doing the Self Check
4. Provide certified copy of company Form 9 and Form 49
5. Provide Company Authorisation Letter signed by Director to conduct company self-check.

Download Self Check - Company

CTOS_self_check_company.gif (94,6 kB)

A credit score is dynamic and can change positively or negatively depending upon how much debt you accrue and how you manage your bills. The factors that determine your credit score are called The Three C’s of Credit - Character, Capital and Capacity.

Character: From your credit history, a lender may decide whether you possess the honesty and reliability to repay a debt. Considerations may include:

• Have you used credit before?
• Do you pay your bills on time?
• How long have you lived at your present address?
• How long have you been at your present job?

Capital: A lender will want to know if you have valuable assets such as real estate, personal property, investments, or savings with which to repay debt if income is unavailable.

Capacity: This refers to your ability to repay the debt. The lender will look to see if you have been working regularly in an occupation that is likely to provide enough income to support your credit use.

The following questions may help the lender determine this:

• What is your current salary?
• How many other loan payments do you have?
• What are your current living expenses?
• What are your current debts?
• How many dependents do you have?

Outstanding Credit (s)

All outstanding credit facility obtained by the borrower, either under -
      (a) his own name;
      (b) a joint name with another person;
      (c) a name of a sole proprietorship; or
      (d) a partnership or a professional body.

Such outstanding credit facility would exclude any accounts which have been fully settled.

Special Attention Account (s)

All outstanding credit facility under close supervision by financial institutions.

Application(s) for Credit
 

All applications approved in the previous 12 months for the borrower, either under –
      (a) his own name;
      (b) a joint name with another person;
      (c) a name of a sole proprietorship; or
      (d) a partnership or a professional body.

The applications would not include any application that have been rejected, deleted or cancelled.

Understanding the credit information

Find out what information is being collected by the Credit Bureau, who supplies these information and the Act governing its confidentiality.

1. Central Credit Reference Information System (CCRIS)
The information reported to the Credit Bureau is housed in a computerised database system known as the Central Credit Reference Information System (CCRIS). At present, the database system contains credit information on about 9 million borrowers in Malaysia.

CCRIS automatically processes the credit data received from the financial institutions and synthesises the information into credit reports, which can be made available to the financial institutions upon request.

2. Credit Information Held by the Credit Bureau

The Credit Bureau of Bank Negara Malaysia collects only credit information on individuals, businesses (sole proprietors and partnerships), companies, and even Government entities borrowers. The credit information collected by the Credit Bureau is sourced by the participating financial institutions in Malaysia. These financial institutions include all licensed commercial banks, Islamic banks, investment banks and several other financial institutions. In addition, reference information on the particulars of borrowers is sourced from the National Registration Department (Jabatan Pendaftaran Negara) and the Companies Commission of Malaysia (Suruhanjaya Syarikat Malaysia ) for purposes of verification against the particulars provided by the financial institutions. The data is updated by the data providers on a regular basis.

For each and every borrower, the financial institutions are required to report to the Credit Bureau the following types of data:

• Personal particulars of borrower such as name, identification number, address, etc
• Credit facility account details such as type of credit facilities, credit limit, outstanding balance, conduct of account and legal action status, if any.

3. Confidentiality of Information

One of the greatest challenges to Bank Negara Malaysia in providing credit bureau services to the financial institutions is the need to ensure and maintain the confidentiality of information on borrowers while promoting a strong credit culture. Towards this end the Credit Bureau adopts stringent procedures that are guided by legal provisions in the Central Bank of Malaysia Act 1958, the Banking and Financial Institutions Act 1989 (BAFIA) and the Islamic Banking Act 1983 (IBA).

The legal provisions basically set limitations governing access to the information and imposes severe penalties to deter unauthorised access, abuse or misuse of the information. In this regard, authorised access is limited to the purpose of credit evaluation. D isclosure to third parties is strictly prohibited. The credit information provided by the Credit Bureau to a financial institution is classified and confidential. As such, the financial institution is required to observe the banking secrecy provisions in the BAFIA and the IBA. These laws prohibit the financial institutions from divulging the affairs of their borrowers except in legally permitted circumstances such as in the course of any court proceedings between the borrower and the financial institution or when the disclosure is authorised under any Federal law.

In line with the law, the Credit Bureau can only furnish personal credit information to a financial institution for the purpose of assisting the financial institution to evaluate a credit facility application or for a periodical credit review if the person is an existing borrower. The financial institutions are not allowed to access credit information for purposes other than evaluating credit facility application or credit review. For example, financial institutions cannot use the credit report to market their financial products or services.

The usage of credit reports in the financial institutions is strictly regulated by guidelines issued to the institutions by Bank Negara Malaysia . In addition, information security is protected by the use of smart card and other secured technologies. To deter access for unauthorised uses, the CCRIS database keeps a record of all requests for credit reports from the financial institutions, detailing which financial institution and its officer whom has accessed to the database as well as the time of access. This would allow the Credit Bureau and the internal auditors of the financial institutions to see know who has sought information on any particular borrower at any particular time.

4. Accuracy of Credit Information

It is important for the information on credit stored by the Credit Bureau to be accurate. While the Credit Bureau is dependant on financial institutions to provide correct information, it accepts the duty to take all possible measures to ensure this. Quality control checks are built in at every stage of the Credit Bureau's operation, from the collection of data, through data capture, loading into the CCRIS database and during its use. The accuracy of credit information is also dependant on correct information supplied by the financial institutions as well as a timely update of credit information by the financial institutions.

Critical particulars like MyKad and name supplied by the financial institutions are compared and verified against the official records of the National Registration Department and the Companies Commission of Malaysia. Any anomalies and inconsistencies would be raised to the financial institutions and the authorities concerned. Credit information provided by the financial institutions is a copy of their own records. When submitted to the CCRIS database, the information is subjected to data integrity tests to seek out inconsistencies or errors. The financial institutions are required to rectify the inconsistencies and errors within two weeks.

5. Financial Institutions Participating in CCRIS

Commercial Banks

Islamic Banks

Investment Banks

Development Banks

Insurance Companies

Payment Instrument Issuers

Rehabilitation Institution

Credit/Leasing Business

1. Disposal of a residential property once in a lifetime.

2. Transfer as gifts between parent and child, husband and wife, grandparent and grandchild; (No exemption for transfer between sibling) and

3. Exemption of RM10,000 or 10% of the chargeable gain, whichever is greater, for each disposal of a property by an individual.

Example to illustrate calculation of Real Property Gains Tax (RPGT) payable: Mr.X purchased a property on year 2006 at RM100,000.00 and sold after or on Jan 1 2010 at RM200,000.00 (within five years of the date of purchase). He made RM100,000.00 from the transaction and the gains are subject to 5% RPGT.

RPGT Calculation:

RM100,000 (Property Gains) – RM10,000 (Waived Exemption) = RM90,000 (Taxable Gains)

RM90,000 (Taxable Gains) x 5% (RPGT Rate) = RM4500 (RPGT Chargeable)

The RPGT will be restored on January 2010 before its suspension in April 2007 with the tax rate as mentioned above.

Basis Of Taxation

The chargeable gains arising from the disposal of any land situated in Malaysia and any interest, option or other right in or over such land or the disposal of shares in a ‘real property company’ is subject to Real Property Gains Tax.

Disposer’s Responsibilities

The disposer of a real property has to submit the following within 30 days from the date of disposal of the asset:

1. Completed Form CKHT 1;

2. Copies of stamped Sale and Purchase Agreement or Form 14A (memorandum of transfer) to prove the acquisition and disposal of the asset;

3. Copy of grant/title deed (if any);

4. Copies of bills and receipts for expenses claimed. (in case of companies or non-citizen and non-permanent resident individuals, details not required if asset is disposed in the sixth or subsequent year from the date of acquisition).

Acquirer’s Responsibilities

An acquirer has to submit the following within 30 days from the date of disposal of the asset:

1. Completed CKHT 2 forms;

2. Copy of stamped Sale and Purchase Agreement or Form 14A (memorandum of transfer) to prove the acquisition;

3. Copy of grant/title deed (if any).

Acquirer (or his solicitor) is also required to retain the whole of the consideration monies or a sum not exceeding five percent (5%) of the total value of the consideration whichever is the lower, until he receives clearance (Form CKHT 4 or CKHT 5) from the Inland Revenue Board.

Exemptions Available For Real Property Gains Tax (RPGT)

(i) A gain arising on disposal prior to 7 November 1975, the date of coming into force of the RPGT Act 1976.

(ii) An amount of RM5,000 or 10% of the chargeable gain, whichever is greater, for each disposal of a property by an individual.

(iii) A gain accruing to the Government, a State Government or a local authority.

(iv) A once in a lifetime exemption on a gain accruing to an individual who is a citizen or a permanent resident or to a husband and wife in respect of the disposal of two private residence (each for husband and wife as amended in Budget 2005).

(v) A gain equal to to the amount of estate duty payable where the disposer is compelled to dispose the property in order to pay the estate duty.

A No Loss And No Gain Situation

Applicable only to companies (as defined in the RPGT Act 1976) for the following situations:-

(i) Transfer of asset between companies in the same group to bring about greater efficiency in operation for a consideration consisting of not less than 75% syer in the transferee company and the balance of a money payment.

(ii) Transfer of asset between any companies for any consideration in any scheme of reorganisation, reconstruction or amalgamation whereby the transferee company is being restructured to implement any such scheme in compliance with Government policy on capital participation in industry.

(iii) Distribution of asset by a liquidator of a company and the liquidation of the company was made under a scheme of reorganisation, reconstruction or amalgamation whereby the transferee company is being restructured to implement any such scheme in compliance with Government policy on capital participation in industry.

Several Transactions Where Disposal Price Is Deemed Equal To Acquisition Price:

(i)    Transfer of assets between spouses.

(ii) Gifts made to the Government, State Government, local authority or a charity exempt from income tax.

(iii) Disposal of an asset as a result of a compulsory acquisition under any law.

(iv) Disposal of an asset by a person to an Islamic Bank under a scheme where that person is financed by such bank in accordance with the Syariah.

Typically, there is 2 major types of mortgage in Malaysia mortgage market namely, Conventional loans and Islamic loans. You can check here for the difference between conventional financing and Islamic financing.

Some of the main factors that you will want to consider when choosing which mortgage loan is right for you are: how long will you live in your home, do you have any children attending college currently or within the next few years, is this a starter home, will you have a pre-payment penalty, are you expecting any new family members to be added to your family, how much do you have in liquid assets, are you self-employed or do you work for someone, how much longer until you plan on retiring, do you have enough money for retirement, do you have many other financial obligations besides a mortgage, do you own any other property, and many, many others. Answering these questions, or at least thinking about them before you are ready to finance a home mortgage loan can help to greatly improve your chances of finding the right mortgage loan to meet your demands.

A fixed rate mortgage (such as BBA Loan)  is always going to provide the most stability in the long run, however since most Malaysian sell or refinance every 4 to 6 years, a fixed rate mortgage does not always make the most sense. An Conventional loans can provide a cheaper payment and a lower interest rate upfront for a certain number of years, but there is a lot more risk involved obtaining an Conventional loans because of the uncertainty of what will happen after the fixed rate period expires on the Conventional loans. Conventional loans are based on BLR floating. The higher the BLR go, your installment will increase as well.

The following is a list of lenders that you can shop from. We have listed them with their preference for borrowers as best we can tell and have included their choice of "tag line" wording. Obviously they all claim to have the lowest rates you need to judge for yourself to see if they really do. Best to check out several.

With these 4 simple steps take place and stick to them, you will save up to few years of your home loan servicing period and interest paid as well.

When is it Right to Refinance?

With everyone talking about the historically low BLR you are ready to decide if it 'pays' to refinance home loans. The 'rule of thumb' supplied by banks is that if you can reduce your interest rate by 1% it is usually profitable.

But there is more to it than that. Like how long are you planning on staying in the house? If there were no fees or costs involved that wouldn't be a consideration.

But in the real world, the first thing you need to determine is what rates do you qualify for and what are the other factors like property value and your income. 

When you refinance home loans is common to roll the additional costs and fees back into the mortgage so there are no "out of pocket" costs. But this allows the Bank or other mortgage holder to charge you interest on these fees. At the current low interest rates and if you choose a short time period for your mortgage the additional interest will be relatively small.

But even at these low rates, if you have a 30 year mortgage, interest will end up doubling the amount of fees over the 30 year life of the loan. 

Case Study: 

Let's assume you took a 30 year, $115,000 First mortgage on an apartment 5 years ago. The interest rate at the time was 7.5% and your principal and interest payment was $765.10 per month.

(If $765.10 sounds low to you, remember your "actual payment" to your loan may only $116, the balance are go to bank's pocket as interest charged)

After paying $765.10 per month or $9181.20 per year for 5 years you have spent a total of $45,906. Plus, you still owe about $108,000 on your $115,000 mortgage and you still have 25 more years to go! 

Obviously, not much of your payment goes toward principal the first few years of a 30 year mortgage! So the sooner you can get out from under the better.

Now that interest rates have fallen to around 5% you are considering refinancing. Let's assume legal fee and additional fees and expenses will be about $3,000. This means you will have to "borrow" $111,000. to pay off your $108,000. loan (or come up with the $3,000.) from savings.

If you decide to refinance the additional costs for another 30 years... your loan amount would be $111,000. and you would be almost back to where you started 5 years ago... but your payment would drop to $595.87 for a monthly savings of $169.23

Now although it would be nice to have an additional $169.23 to spend each month, the question is what will you do with the money? Go out to eat more, buy more gadgets? Invest it in your retirement fund? Or just "spend it"?

If you just "spend it"... it isn't really helping you get ahead and you are now in debt to the bank for an additional 5 years. Not a good prospect...!

So what if we set the mortgage term to 25 years so at least we aren't moving backwards. In that case, your payment would be $648.89 saving you $116.21 per month. So for an additional $53.02 per month you knocked 5 years off your mortgage! 

Personally, This is a slightly better solution. At least you aren't pushing your retirement out an additional 5 years while you continue paying your mortgage.

Remember, the original question was... Is it worth it to refinance and pay the additional $3000. or just keep paying on the existing mortgage?

Keep in mind, as soon as you sign the papers the equity you have in your house drops by $3000! Assuming you chose the 25 year mortgage (with the $116.21/mo savings) it will take you 25.8 months to break even ($3000/$116.21) because at that point you will have saved the $3000. it cost you to refinance. Any time in the house after that is gravy.

So if you intend to stay in your house 3 or more years it would pay for you to refinance.

But wait what if you took it one step further? What if you kept your payment the same as you are paying now and reduced the term of your mortgage as far as possible? A $111,000 mortgage at 5% with a payment of about $765 would require a term of 223 months or about 18.5 years. 

Assuming you could get an 18.5 year mortgage and you intended to stay in your house that long, this would be an excellent move! You have drastically reduced the amount of money you will pay the bank over the life of the mortgage and you are free and clear 6.5 years earlier!

Even if you have to move sooner, your equity will be building faster so you will be able to take more money with you when you sell.

Unfortunately, lenders do not usually let you choose an odd term length like 18.5 years , so you would have to choose either a 20 year term with a payment of $732.55 which would still save you about $30/month but also knock 5 years off your loan (and build equity somewhat faster).

Or you could choose a 15 year term with a payment of $877.78 which would actually cost you about $110/month more than what you are currently paying but would knock a full 10 years off your mortgage. If your income has risen since you got your initial mortgage and you could swing it... it would be money well spent. 

For those with higher incomes who have difficulty saving, this is a great idea because it actually forces you to save a little bit more each month and once you get used to it, you won't even miss the money. 

Another idea is to see if you can remove the mortgage insurance off your mortgage. On this loan, the mortgage insurance might add an additional $100/month to the loan (for the first 10 years), so you would still have to pay it for 5 more years.

But...

if you have made improvements or renovation to the house... or property values have increased dramatically in your neighborhood... you might be able to get the new loan without the mortgage insurance. If you can, you will save an additional $100/month! With that savings you can move to the 15 year mortgage without mortgage insurance for the same amount that you are currently paying for a 30 year mortgage with mortgage insurance. Not bad eh? Whack 15 years off your mortgage just like that!

Another way to reduce the monthly payment is to...reduce the amount you borrow. If you could come up with the additional $3000 in closing costs from savings, your monthly payment on a 15 year mortgage would drop from $877.78 to $854.06 ... or only about $89. per month more than what you are currently paying.

Is it worth $89/month to knock another 5 years off your mortgage?

That depends on your personal circumstances! If your budget is already stretched to the limit, or it will put you at risk if you lose your job, NO.

But if you can find a way to come up with $3.00 per day (perhaps by giving up cigarettes, or skipping a trip to the vending machine or to McDonalds) it will save you thousands over the life of your mortgage!

* Most of the banks does offer zero moving cost (bank will bear the legal processing fees) for refinance if your loan is above $100,000. Do check around in Malaysia Home Loans page for more information.

When is it Right to Refinance?

With everyone talking about the historically low BLR you are ready to decide if it 'pays' to refinance home loans. The 'rule of thumb' supplied by banks is that if you can reduce your interest rate by 1% it is usually profitable.

But there is more to it than that. Like how long are you planning on staying in the house? If there were no fees or costs involved that wouldn't be a consideration.

But in the real world, the first thing you need to determine is what rates do you qualify for and what are the other factors like property value and your income. 

When you refinance home loans is common to roll the additional costs and fees back into the mortgage so there are no "out of pocket" costs. But this allows the Bank or other mortgage holder to charge you interest on these fees. At the current low interest rates and if you choose a short time period for your mortgage the additional interest will be relatively small.

But even at these low rates, if you have a 30 year mortgage, interest will end up doubling the amount of fees over the 30 year life of the loan. 

Case Study: 

Let's assume you took a 30 year, $115,000 First mortgage on an apartment 5 years ago. The interest rate at the time was 7.5% and your principal and interest payment was $765.10 per month.

(If $765.10 sounds low to you, remember your "actual payment" to your loan may only $116, the balance are go to bank's pocket as interest charged)

After paying $765.10 per month or $9181.20 per year for 5 years you have spent a total of $45,906. Plus, you still owe about $108,000 on your $115,000 mortgage and you still have 25 more years to go! 

Obviously, not much of your payment goes toward principal the first few years of a 30 year mortgage! So the sooner you can get out from under the better.

Now that interest rates have fallen to around 5% you are considering refinancing. Let's assume legal fee and additional fees and expenses will be about $3,000. This means you will have to "borrow" $111,000. to pay off your $108,000. loan (or come up with the $3,000.) from savings.

If you decide to refinance the additional costs for another 30 years... your loan amount would be $111,000. and you would be almost back to where you started 5 years ago... but your payment would drop to $595.87 for a monthly savings of $169.23

Now although it would be nice to have an additional $169.23 to spend each month, the question is what will you do with the money? Go out to eat more, buy more gadgets? Invest it in your retirement fund? Or just "spend it"?

If you just "spend it"... it isn't really helping you get ahead and you are now in debt to the bank for an additional 5 years. Not a good prospect...!

So what if we set the mortgage term to 25 years so at least we aren't moving backwards. In that case, your payment would be $648.89 saving you $116.21 per month. So for an additional $53.02 per month you knocked 5 years off your mortgage! 

Personally, This is a slightly better solution. At least you aren't pushing your retirement out an additional 5 years while you continue paying your mortgage.

Remember, the original question was... Is it worth it to refinance and pay the additional $3000. or just keep paying on the existing mortgage?

Keep in mind, as soon as you sign the papers the equity you have in your house drops by $3000! Assuming you chose the 25 year mortgage (with the $116.21/mo savings) it will take you 25.8 months to break even ($3000/$116.21) because at that point you will have saved the $3000. it cost you to refinance. Any time in the house after that is gravy.

So if you intend to stay in your house 3 or more years it would pay for you to refinance.

But wait what if you took it one step further? What if you kept your payment the same as you are paying now and reduced the term of your mortgage as far as possible? A $111,000 mortgage at 5% with a payment of about $765 would require a term of 223 months or about 18.5 years. 

Assuming you could get an 18.5 year mortgage and you intended to stay in your house that long, this would be an excellent move! You have drastically reduced the amount of money you will pay the bank over the life of the mortgage and you are free and clear 6.5 years earlier!

Even if you have to move sooner, your equity will be building faster so you will be able to take more money with you when you sell.

Unfortunately, lenders do not usually let you choose an odd term length like 18.5 years , so you would have to choose either a 20 year term with a payment of $732.55 which would still save you about $30/month but also knock 5 years off your loan (and build equity somewhat faster).

Or you could choose a 15 year term with a payment of $877.78 which would actually cost you about $110/month more than what you are currently paying but would knock a full 10 years off your mortgage. If your income has risen since you got your initial mortgage and you could swing it... it would be money well spent. 

For those with higher incomes who have difficulty saving, this is a great idea because it actually forces you to save a little bit more each month and once you get used to it, you won't even miss the money. 

Another idea is to see if you can remove the mortgage insurance off your mortgage. On this loan, the mortgage insurance might add an additional $100/month to the loan (for the first 10 years), so you would still have to pay it for 5 more years.

But...

if you have made improvements or renovation to the house... or property values have increased dramatically in your neighborhood... you might be able to get the new loan without the mortgage insurance. If you can, you will save an additional $100/month! With that savings you can move to the 15 year mortgage without mortgage insurance for the same amount that you are currently paying for a 30 year mortgage with mortgage insurance. Not bad eh? Whack 15 years off your mortgage just like that!

Another way to reduce the monthly payment is to...reduce the amount you borrow. If you could come up with the additional $3000 in closing costs from savings, your monthly payment on a 15 year mortgage would drop from $877.78 to $854.06 ... or only about $89. per month more than what you are currently paying.

Is it worth $89/month to knock another 5 years off your mortgage?

That depends on your personal circumstances! If your budget is already stretched to the limit, or it will put you at risk if you lose your job, NO.

But if you can find a way to come up with $3.00 per day (perhaps by giving up cigarettes, or skipping a trip to the vending machine or to McDonalds) it will save you thousands over the life of your mortgage!

* Most of the banks does offer zero moving cost (bank will bear the legal processing fees) for refinance if your loan is above $100,000. Do check around in Malaysia Home Loans page for more information.