tag:blogger.com,1999:blog-25450870072554639392026-04-01T15:23:40.915+08:00Information, knowledge, tips and tricks sharing that might be beneficial or useful to you.Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.comBlogger1519188tag:blogger.com,1999:blog-2545087007255463939.post-46359215351770124202025-01-02T12:02:00.005+08:002025-01-02T12:02:53.534+08:00

Do you face an annoying situation that Windows File Explorer will auto-open everytime after you login from startup?Recently, this issue happened in both my desktop and my laptop.I managed to fix it with the following registry change:1. Open RegEdit2. Go to Computer\HKEY_LOCAL_MACHINE\SOFTWARE\Microsoft\Windows NT\CurrentVersion\Winlogon3. Look for a key called Shell4. If its content is more

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com1tag:blogger.com,1999:blog-2545087007255463939.post-63961283534855969752023-11-12T01:17:00.005+08:002023-11-12T01:17:55.662+08:00

Over the past 2 years, Lexar has emerged as a brand known to produce good performance and yet very cost-effective solid-state drives (SSD).Lexar started as a manufacturer producing SD cards, CompactFlash cards and thumb drives, spun off from Cirrus Logic in the mid-1990s.Later, it was acquired by Micron in the mid-2000s. In mid-2010s, it was again acquired by China Shenzhen based company Longsys

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com1tag:blogger.com,1999:blog-2545087007255463939.post-77520196006763781062023-09-01T00:08:00.000+08:002023-09-01T00:08:44.862+08:00

Different regions of the world could be using different measurement units to express how big/small is a property or land area.When you book a 12 tsubos hotel suite, are you able to imagine how roughly big is it?When you rent a 6 tatamis unit for short stay, do you have any idea how big is the unit?When you buy a 1,200 square feet apartment unit, do you know how many square meters is that?Their

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-7711398534144998832023-07-24T00:21:00.001+08:002023-07-24T00:21:29.019+08:00

A few months back, when I upgraded my CyberPower UT800EG UPS with APC BV1000I-MSX 1kVA/600W Easy UPS for power protection to my desktop PC and network equipment, I've relocated the old CyberPower UT800EG UPS to my living room to provide power protection for my TV, IPTV box and cordless phone.Later, I decided to retire the old UPS and to protect my TV, IPTV box and cordless phone with a

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-82948598314239402012023-07-10T23:58:00.001+08:002023-07-10T23:58:10.147+08:00

Electric vehicle (EV) has been steadily trending in the automotive talk-about nowadays.The key selling points of EV cars being:Environmental friendlyFuel cost savingNo need to periodically change engine oilWhile the "environmental friendly" argument is widely debatable, as the generation of electricity at power plant, and the production as well as the disposal of rechargeable batteries, might not

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-16967915060877611582023-06-20T21:08:00.000+08:002023-06-20T21:08:46.048+08:00

Today, my laptop suddenly experienced the Windows Explorer not responding issue.The symptoms were like this:When you double-click on a document, for example a PDF file or an Excel file, by right, the file should be opened by its associated application. Now, it hangs when the application trying to load up. The rest of the Windows and running applications will still function well, only the

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-86120755526991569562023-04-08T22:49:00.000+08:002023-04-08T22:49:19.625+08:00

After a long waiting, the Malaysia National Higher Education Fund (Perbadanan Tabung Pendidikan Tinggi Nasional, PTPTN) has finally announced the dividend for year 2022 for the education savings schemes SSPN (Skim Simpanan Pendidikan Nasional, consists of Simpan SSPN Prime which formerly known as SSPN-i, and Simpan SSPN Plus which formerly known as SSPN-i Plus) on 5 April 2023.The 2022 SSPN

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-40880375534539403802023-03-19T17:05:00.003+08:002023-03-19T17:05:46.845+08:00

My CyberPower UT800EG 800VA/400W UPS has been serving me well for more than 3 years, and it is still functioning well.It has never failed to protect my Dell XPS 8930 desktop, my Asus RT-AX86U router and Unifi BTU from sudden blackouts and also voltage spikes during thunderstorms.Anyhow, I anticipate its internal battery, which is not user serviceable, has already reached more than half

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-87976064227710491152023-02-16T01:19:00.006+08:002023-02-18T17:08:07.343+08:00

During the recent Chinese New Year online promotion period, I discovered that the Honor MagicBook 16 laptop has its selling price dropped to RM29xx. (This promotion is still available in some of the online shops, including the Honor official website, now at a slightly higher price of RM2999 and lesser free gift, until the end of February 2023)I remember when it first launched last year, its

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-37964482299961676832023-02-09T22:37:00.000+08:002023-02-09T22:37:47.011+08:00

Most Google users (including all Android phone users) started up with the free Google personal account.The free Google personal account comes with 15GB of cloud storage shared among various Google services including Gmail, Google Drive, Google Photos, Android backup, etc. Certain 3rd party applications such as WhatsApp also make use of Google cloud storage to host your account backup data with

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-5515480021271294232023-01-01T00:08:00.004+08:002023-01-01T00:08:43.764+08:00

I have just retired all the old Panasonic non-inverter air-cons in my house, which had served my family for more than 16 years, to the current generation of Panasonic inverter R32 aircons powered by nanoe X technology.Now, I can feel the advantages of using inverter aircon compared with the traditional non-inverter type, which are comfort and cost saving.The inverter type of aircon can precisely

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-68850038896322508062022-12-08T21:54:00.002+08:002022-12-08T21:54:27.898+08:00

It always has been a frequently asked question for most of us to find out the optimal temperature to set for our air-conditioner, particularly the inverter type which is good in maintaining the room temperature at the degree we want, to strike a balance between cost & energy saving and our comfort level.According to Panasonic, the industry leader in aircond manufacturing, the best aircond

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-85823251296107093682022-10-31T16:34:00.002+08:002022-10-31T16:34:31.176+08:00

Earlier on, all Malaysian citizens who are eligible to vote in the General Election (all citizens of age 18 years old and above should be automatically registered in the current system) can check for their election voter registration status online in MySPRSemark which is available in the form of:WebsiteAndroid appApple iOS appNow, additional information is already available in the same MySPRSemak

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-83919223593265081402022-08-25T22:30:00.002+08:002022-08-25T22:30:16.925+08:00

If you want to have a common charger for multiple devices that charge using USB cable, and better still, to be able to charge multiple devices at the same time, then you can look for a multiport charger such as this UGREEN CD226.The UGREEN CD226 is a 4-ports charger that supports fast charging (or quick charging / super charging) of various protocols including PD3.0, PD2.0, PPS, QC4+, QC3.0,

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-44050848247767112392022-08-01T22:50:00.000+08:002022-08-01T22:50:55.640+08:00

If you need to generate a QR code, for whatever reason, what tools do you normally use?I have been using QRCode Monkey for quite some times, and I find this free online QR-code generating website is still among the best, as it is free of charge and feature-rich.It allows you to generate QR codes of your own style and design. Your design can be colourful too.Your QR code can be of high resolution

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-59502948357340561472022-07-28T01:06:00.003+08:002022-07-30T00:46:22.709+08:00

Typically, there are 2 types of loans. One is fixed interest rate type, and another is variable interest rate type.Some examples of fixed interest rate loan are: car loan, personal loan, credit card loan, study loan, business loan, etc.Since the interest rate is fixed throughout the loan tenure, you can calculate its total interest using the simple interest formula of P x R% x T. The total loan

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-72413554317387942682022-07-23T23:02:00.000+08:002022-07-23T23:02:59.444+08:00

Kenanga Digital Investing (KDI) has been around for a few months since early 2022, and I have just joint on the bandwagon last week.KDI is a robo-advisory investment platform under Kenanga Investment Bank. It can be accessed either using web browser to its website, or via its mobile app available for Android and iOS.FYI, this is the same Kenanga Investment Bank which has another popular

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-28613362976068394222022-07-19T18:00:00.001+08:002022-07-19T18:00:14.277+08:00

FYI, there is an online e-learning portal called e-LATiH by HRD Corp (formerly known as HRDF, under MOHR), which you can freely register for an account to enroll for a selection of 1000++ free online courses.The URL of e-LATiH is: https://elatih.hrdcorp.gov.my/This online e-learning portal is open to Malaysian and also non-Malaysian. Basically, everyone are free to use it without much

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-86712267394393682232022-06-27T23:52:00.001+08:002022-06-27T23:52:08.492+08:00

Handphone is a necessity nowadays.Every now and then, new models of handphone are being introduced into the market, with price tag ranging from a few hundred ringgit to a few thousand ringgit.From the perspective of personal finance management, one simple formula to evaluate your affordability for new handphone is that: the handphone price should not exceed your one week worth of net income for

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-67809216904534816482022-06-16T01:21:00.003+08:002022-06-27T23:55:31.913+08:00

Recently, we talked about which models of car can you afford with your monthly fixed income?Now, let's apply the same method to find out how much housing loan can you afford with your monthly fixed income, for your own residence (not for investment purpose)?Certain residence types, such as single-storey linked house, double-storey linked house, town house, semi-D, bungalow, etc. do not need

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-31992035728630550452022-06-06T17:04:00.002+08:002022-06-27T23:57:54.739+08:00

Have you ever made a simple evaluation on which models of car can you afford with your monthly fixed income?Or, in other words, if you already have a car model that you want to buy, how much salary do you need to earn so that you can pay for its monthly loan instalment without too much financial stress?I recently shared a simple evaluation result in the Little Red Book (a.k.a. Xiao Hong Shu) and

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-22612240183986160952022-05-29T17:11:00.000+08:002022-05-29T17:11:20.765+08:00

Timer switch plug is a kind of gadget that can easily convert a normal wall socket into programmable timer socket. I have been using it for quite a long time, from one generation to another.Some scenarios of using timer switch plug include:To supply electric power to TV and audio-visual devices in the morning, so that they are well standby to be turned on instantly, and to cut off the power

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-15255662328961566092022-04-23T02:25:00.003+08:002023-06-26T21:03:26.989+08:00

Recently, I purchased a new Asus RT-AX86U router to replace my 4-years-old Asus RT-AC86U router. The main reason being I want to take advantage of the RT-AX86U's WiFi AX (a.k.a. WiFi 6) capability for some of the newer devices in my household.What should I do with my old Asus RT-AC86U router after I have successfully replaced it? Well, I converted it into an AiMesh node to form a stronger,

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-82295040374329858022022-04-20T02:08:00.002+08:002022-04-20T02:08:43.703+08:00

Unlike the Jobstreet salary report 2022 (Malaysia Edition & Singapore Edition), which provides the insight of the current median salary figure in various popular industries, and also from the perspective of career specialization, the PERSOL Salary & Employment Outlook 2021/2022 (Malaysia edition & Singapore edition) provides a similar salary market value insight from a different

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-85800998178964167072022-04-07T19:25:00.001+08:002022-04-07T19:25:16.078+08:00

Recently, Jobstreet has just released their salary report of Malaysia’s job landscape, and also of Singapore's, respectively. The reports aimed to provide insight of the current post-pendemic regional job market, as a reference guide for the hiring managers, HR, job seekers. as well as students planning for their tertiary education field of studies.The information and statistics in the

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com1tag:blogger.com,1999:blog-2545087007255463939.post-23001455334597084232022-03-14T18:50:00.003+08:002022-03-14T18:50:46.642+08:00

Do you remember my portable ultrasonic turbine mini washer that I bought at the price of slightly above RM40 that I used it to wash the mopping cloth of my Roborock S7 robot cleaner?Unfortunately, I have to tell you that it cannot last long, and started to malfunction after about 3 months of daily usage. Maybe its motor is too weak to handle daily usage, and now it could hardly spin.It is

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-76669446718316710432022-03-14T00:37:00.000+08:002022-03-14T00:37:29.115+08:00

It seems that vacuum cleaners nowadays have become more and more portable, light-weight, and more importantly affordable.My Hericaine Twister R-6053 rechargeable portable dry and wet vacuum cleaner just cost me slightly above RM50 only, with full set of necessary components, and even with a 30cm x 30cm microfibre mopping cloth as free gift (not in the photo).I like its carrying bag, which can

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-33915028036329075742022-03-04T22:38:00.000+08:002022-03-04T22:38:29.986+08:00

I believe every household needs a ladder for the purpose of ceiling fan cleaning, replacing faulty light bulbs, air-cond filter cleaning, reaching up to things at higher place, etc.Your ladder would probably sit in your storeroom most of the time, until the moment you need to use it.What if you have a ladder that has additional function to use it more often, such as being a clothes drying hanger

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-80093518577434579372022-03-03T23:28:00.001+08:002022-03-03T23:28:07.399+08:00

The Sony WH-1000XM4 headset can operate in Bluetooth wireless mode as well as in 3.5mm audio cable wired mode.The audio cable that comes together with this headset only support audio in but not audio out. As such, I believe the 3.5mm AUX port on the Sony WH-1000XM4 headset also does not have audio out function to transmit your voice collected from its microphone to the connected device

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-80836088072881070852022-03-02T17:10:00.000+08:002022-03-02T17:10:12.014+08:00

After an even longer waiting time than last year, the Employees Provident Fund (EPF, a.k.a. KWSP) has finally declared the dividend rate for financial year 2021.For year 2021, the dividend declared for conventional account is 6.10% while for Shariah account is 5.65%. The dividend will be credited into members' account soon, and you can check for it by login into your EPF i-Account.Year 2021

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-79321277556442753922022-03-01T02:59:00.070+08:002022-03-03T23:30:36.155+08:00

I believe there is no doubt about Sony WH-1000XM4 being the best consumer-grade foldable, stereo on-ear wireless headset with built-in internal echo-cancelling microphones nowadays (during 2021-2022) for music listening with superb active noise-cancelling (ANC) features.Well, the following criteria are rules of thumb in determining a good wireless headphone/headset:High fidelity of music

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-83605699440230115142022-02-22T22:22:00.061+08:002022-02-23T01:10:35.887+08:00

The Malaysia National Higher Education Fund (Perbadanan Tabung Pendidikan Tinggi Nasional, PTPTN) has just announced quite a disappointing dividend for year 2021 for the education savings schemes SSPN (Skim Simpanan Pendidikan Nasional, consists of Simpan SSPN Prime which formerly known as SSPN-i, and Simpan SSPN Plus which formerly known as SSPN-i Plus) on 22 February 2022.The 2021 SSPN dividend

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-9391329136758217882022-01-30T01:45:00.001+08:002022-01-30T01:45:36.869+08:00

As one of the many IT professionals, do you feel that you are not that aware of your value in the market and do not know how to sell yourself? Are you just don't like doing sales?It is especially difficult for those who were last interviewed quite a long time ago. Since then, the rules of the game in the job market have changed significantly.The IT job market, in general, is somewhat different

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-22255328527800311512022-01-19T02:59:00.007+08:002022-01-21T23:13:06.490+08:00

It seems that there are quite a lot of earphones related terms nowadays.It is imperative for you to understand what the terms meant, so that, from their product description, you can understand the nature of the earphones you are aiming for. This will help you ensure that you won't buy the wrong type of earphones that is different from your real preference.Headphones vs headset vs

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-52289942935819757022022-01-11T03:19:00.000+08:002022-01-11T03:19:22.354+08:00

If you want a certain electrical appliance to be switched on during certain time period(s) of the day, and be switched off otherwise, this Nippon II NP2-348T mechanical 24-hour segmented timer electric power switch can be very handy to you. It cost only less than RM20.Some examples of usage including:Switching on your TV and set-top-box during day time, and switch them off at

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com1tag:blogger.com,1999:blog-2545087007255463939.post-48914172549928739062021-12-27T19:07:00.001+08:002021-12-27T19:17:47.842+08:00

I have bought this rectangular wooden digital LED alarm clock with humidity and temperature display during the recent 12.12 online sale fiesta, at the price of slightly below RM40.You can use it as a normal desktop clock (with the alarm function switched off) and also as your bedside alarm clock (with up to 3 different alarm time settings).It is pretty feature-rich. Other than displaying the

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com2tag:blogger.com,1999:blog-2545087007255463939.post-39489858950710046802021-12-25T23:48:00.004+08:002021-12-25T23:48:56.953+08:00

 I bought this 28cm heat diffuser aluminium plate for gas stove at the price of RM28.80.It works by placing it on top of gas burner, so that:To distribute heat from the underneath fire evenly, and avoid scorching. This also keeps the base of your cooking utensil clean and anew.To support cooking utensils with smaller base, so that they can sit stably on top of the burner.There is less

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-25983310741354850802021-12-19T23:50:00.005+08:002021-12-19T23:59:07.781+08:00

Recently, the "Line Fault" indicator of my 6 years old Alpha Smart 18EP instant shower water heater in one of my bathrooms had changed from its usual green light to red light. This is the same shower heater that was repaired in 2017 before.I have replaced it with a new Joven SL30iP shower heater with DC inverter pump.I bought the model without rain shower head for a cheaper price at

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-2140869975356977392021-12-14T12:55:00.002+08:002021-12-14T13:03:14.814+08:00

This is a frequently asked question (FAQ) that many people using Microsoft Outlook as their email client found their meeting invitations automatically deleted and moved from Inbox to Deleted Items folder once they've clicked on the button to accept or decline the meeting invitation.The accepted meetings will appear inside your Calendar.I believe many people prefer to keep the original meeting

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-3144811982276757322021-12-10T01:50:00.000+08:002021-12-10T01:50:05.996+08:00

Nowadays, infra-red thermometers are widely used in a lot of places to capture our body temperature, especially for COVID-19 preventive measure at the entrance of most commercial premises.Infra-red thermometer has the following advantages:Non-contact way of measuring body temperatureFast measurement time of around 1 secondPretty accurate if there is no other infra-red source around that might

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-59825463696449142882021-12-03T17:35:00.001+08:002021-12-03T17:35:57.633+08:00

There will be occasions that you need to do a COVID-19 self-test, to ensure that you are free from COVID-19 infection, before you attend certain events or enter into certain premises.There are generally 4 types of COVID-19 self-testing kit available in the market now:Nasal swab specimen testMouth swab specimen testNasal + mouth swab specimens testSaliva specimen testAmong them, I find the saliva

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-36071200021428113752021-11-25T13:58:00.004+08:002021-11-25T13:58:58.397+08:00

If you have family member(s) who loves to pick ears using the traditional earwax rod or even cotton rod, here is a better and safer gadget for them.This DEOcross C-ears electric earwax cleaner only cost me around RM15.It operates with an AAA alkaline battery, and works by vibrating and vacuuming the ear wax out into its nozzle.Here is the content inside the packing box:Transparent plastic

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-43538869066032653012021-11-19T00:30:00.000+08:002021-11-19T00:30:11.148+08:00

Other than my CCKO CK9919 stainless steel smart garbage bin, I have also purchased a portable ultrasonic turbine mini washer at the price of slightly above RM40, during the recent 11.11 big sale promotion festival. It is mainly used to wash the mopping cloth of my Roborock S7 robot cleaner.Inside the packaging box, there are:The round washer unit with 9cm diameter, which can be put inside

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-60786498462362478282021-11-17T02:30:00.000+08:002021-11-17T02:30:03.394+08:00

During the recent 11.11 big sale promotion festival, I have purchased a CCKO brand (model CK9919) 20 litres stainless steel smart rechargeable sensor garbage bin to be used in my kitchen. Its price was around RM170 after discount.It is "smart" in the sense that it can automatically open its lid whenever its infra-red sensor detects an object near its top, then start a 5 seconds countdown after

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-89899392539260368722021-11-05T01:13:00.004+08:002021-11-28T10:18:23.663+08:00

After I have purchased and used the Jumper JPD-500E fingertip pulse oximeter, I have recently added a B03 home-use upper-arm digital blood pressure measuring and monitoring machine for my family use.There are several types of home-use blood pressure monitor available in the market, including the traditional bisep (upper-arm) type, wrist type, finger type, etc. The American Heart Association

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-86837611318134041892021-10-24T12:46:00.002+08:002021-10-24T12:46:39.043+08:00

Cash flow is critical in running all businesses. Companies without healthy cash flow are very likely to go into financial trouble sooner or later.In normal business operations, there are several factors that have great impact to the cash flow of the company, including:How fast can the company sell out its goods?How fast can the company collect the full payment from its customers?The first factor

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-42677984293452401672021-10-24T02:01:00.004+08:002021-10-24T02:11:38.928+08:00

When I bought my cleaning robot, I have chosen Roborock S7 instead of S6-Max or S5-Max because I knew it is the model that can pair with Roborock auto-empty dock.In fact, I find it quite difficult to empty out the dust in the Roborock S7 dust box because the debris can be trapped in quite a lot of places inside the dust box. The only effective way to quickly empty it out is to vacuum out the

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-30931766788333424082021-10-11T23:31:00.003+08:002021-10-24T10:50:36.735+08:00

Beside analysing stock counters investability using Return of Equity (ROE) and Return of Assets (ROA), it is also imperative in fundamental analysis to evaluate the business profitability of the stock counters. This can be achieved by looking into their profit margins and profit growth rate.Operating profit is the profit (i.e. revenue minus the cost of goods sold) derived from the company's core

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-72974495466633254332021-10-10T22:23:00.001+08:002021-10-10T22:23:08.428+08:00

As you might have been aware, Caltex Malaysia has recently introduced the CaltexGO pump-and-go mobile app, available in Google Play Store and Apple App Store.Apparently, it is the same CaltexGO mobile app already in used in Caltex Singapore and Caltex Thailand for the same purpose of enabling contactless and cashless petrol refueling at their petrol station.This is an enhancement to the existing

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-63720620648990541072021-10-08T14:41:00.002+08:002021-10-15T15:54:25.624+08:00

The official 2022 national and state public holidays in Malaysia has been announced by Cabinet, Constitution and Inter-Government Relation Division (BKPP), Prime Minister Department.There are 14 days of national holiday (12 national holidays, whereby Chinese New Year and Hari Raya Puasa have 2 days of holiday respectively, and all the rest are 1 day).1 of them fall on Friday, 1 fall on Saturday,

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-14627083941038215752021-10-07T15:49:00.007+08:002021-10-18T18:02:47.943+08:00

In many occasions when a data table is queried from database and/or displayed on the screen of web application, there is a need to enable the user to download the table, preferably as an MS Excel file.Traditionally, the method of doing so is to export the table as CSV (comma-separated values) or TSV (tab-separated values) text file, and to use MS Excel to import the CSV or TSV into a

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-83388332086362859382021-10-03T23:07:00.002+08:002021-10-03T23:14:41.438+08:00

In fundamental analysis, Return of Equity (ROE) and Return of Assets (ROA) are among the most important indicators used to evaluate the investability of targetted stock counters.There are generally 4 components that make up the shareholders' equity:The shares that are sold out to the shareholders, and tradable in the market.The shares that are repurchased by the company and kept as 

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-31851452165793865742021-09-13T18:11:00.004+08:002021-09-18T17:27:59.539+08:00

Rakuten Trade is currently the first and the only Malaysian stockbroking online platform with a loyalty point system and also allows offset of stock trading brokerage fee by using your accumulated RT Points.With this mechanism, if you have enough RT Points in your account, you can literally trade with zero brokerage fee when you wholly offset it with your RT Points.Each RT Points carries a value

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com2tag:blogger.com,1999:blog-2545087007255463939.post-61806353834655495832021-09-12T22:18:00.001+08:002021-09-12T22:19:37.828+08:00

Nowadays, apart from the traditional career roles being a businessman, entrepreneur, or employee, there are more and more people working as self-employed, or working with broker/agent on a profit-sharing basis, including but not limited to the following roles:FreelancerCoach, instructor, consultant, ...Online sellersE-commerce drop-shipperCommission-based sales agent (insurance, property, unit

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-12419171074985885422021-09-10T10:30:00.003+08:002021-09-13T18:14:36.602+08:00

There will be a free webinar on next Tuesday night in Zoom by Rakuten Trade, about Shariah & ESG (environmental, social & governance) Investing - by panelist from Bank Islam Malaysia Bhd (BIMB) Chief Economist Dr. Mohd Afzanizam Abdul Rashid, and also Malaysia Economic Outlook in 2022 - by panelist from Permodalan Nasional Bhd (PNB) Head of Research Mohd Redza Abdul Rahman.Topic: Shariah

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-90459275443236859122021-09-09T02:12:00.005+08:002021-09-09T12:40:12.661+08:00

Here is the list of auspicious dates for opening business in year 2022, which is produced based on the Chinese almanac Tong Shu.It can be applied to new business opening, or reopening of business after a break/holiday. (Click the image to enlarge)Bear in mind that although the Tong Shu is a compilation of Chinese astrology and calendaring studies gathering wisdom of thousands of years, we should

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com1tag:blogger.com,1999:blog-2545087007255463939.post-90644255063274014362021-09-09T02:08:00.006+08:002021-09-09T14:16:50.274+08:00

Here is the list of auspicious dates for opening business in year 2021, which is produced based on the Chinese almanac Tong Shu.It can be applied to new business opening, or reopening of business after a break/holiday. (Click the image to enlarge)Bear in mind that although the Tong Shu is a compilation of Chinese astrology and calendaring studies gathering wisdom of thousands of years, we should

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-27026075204614534682021-09-09T02:03:00.004+08:002021-09-09T12:38:54.704+08:00

For employees, especially those in leading/managing position, here is a list of auspicious dates  in 2022 for starting new job/post/assignment, including joining new company or joining new team in existing company.It can be applied to first day reporting to new company/department/office/position, or going for the post to lead/manage a new business unit/team/project/programme. It can also be

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-74329224295770720272021-09-09T02:00:00.001+08:002021-09-09T14:21:29.139+08:00

For employees, especially those in leading/managing position, here is a list of auspicious dates  in 2021 for starting new job/post/assignment, including joining new company or joining new team in existing company.It can be applied to first day reporting to new company/department/office/position, or going for the post to lead/manage a new business unit/team/project/programme. It can also be

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-75110009816533858112021-09-09T01:51:00.005+08:002021-09-09T12:39:44.437+08:00

 In many culture, religion and/or tradition, the first haircut of a baby is considered an important milestone for his/her life. The day is known as Mundan, Chadakarana, Halaqah, Upsherin, etc.Here is the list of auspicious dates for baby first haircut in year 2022, which is produced based on the Chinese almanac Tong Shu. (Click the image to enlarge)Bear in mind that although the Tong Shu is

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-25696654476104026332021-09-09T00:07:00.007+08:002021-09-09T14:21:57.937+08:00

In many culture, religion and/or tradition, the first haircut of a baby is considered an important milestone for his/her life. The day is known as Mundan, Chadakarana, Halaqah, Upsherin, etc.Here is the list of auspicious dates for baby first haircut in year 2021, which is produced based on the Chinese almanac Tong Shu. (Click the image to enlarge)Bear in mind that although the Tong Shu is a

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-1078009423491138852021-09-09T00:03:00.003+08:002021-09-09T12:41:12.280+08:00

 Here is the list of auspicious dates in year 2022 for signing contract, signing offer letter, register for marriage, receiving religious baptism, and other similar agreement-related activities.It is produced based on the Chinese almanac Tong Shu. (Click the image to enlarge)Bear in mind that although the Tong Shu is a compilation of Chinese astrology and calendaring studies gathering wisdom

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-4198924061159022022021-09-08T23:58:00.006+08:002021-09-09T14:22:36.909+08:00

Here is the list of auspicious dates in year 2021 for signing contract, signing offer letter, register for marriage, receiving religious baptism, and other similar agreement-related activities.It is produced based on the Chinese almanac Tong Shu. (Click the image to enlarge)Bear in mind that although the Tong Shu is a compilation of Chinese astrology and calendaring studies gathering wisdom of

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-3146489458255995042021-09-06T17:49:00.005+08:002021-09-09T12:41:44.777+08:00

Before becoming the life partner, marriage is proposed by lover and engagement is made.Here is the list of auspicious dates for marriage proposal or engagement in year 2022 (year of Tiger), which is produced based on the Chinese almanac Tong Shu. (Click the image to enlarge)Bear in mind that although the Tong Shu is a compilation of Chinese astrology and calendaring studies gathering wisdom of

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-60996579076198515962021-09-06T17:45:00.001+08:002021-09-09T14:23:04.445+08:00

Before becoming the life partner, marriage is proposed by lover and engagement is made.Here is the list of auspicious dates for marriage proposal or engagement in year 2021 (year of Cow), which is produced based on the Chinese almanac Tong Shu. (Click the image to enlarge)Bear in mind that although the Tong Shu is a compilation of Chinese astrology and calendaring studies gathering wisdom of

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-20926209772305092482021-09-03T02:01:00.006+08:002021-09-09T12:42:17.479+08:00

 Here is the list of auspicious dates in 2022 (year of Tiger) for getting a baby (求嗣), which is produced based on the Chinese almanac Tong Shu.The dates have good element(s) to embro/faetus. Traditionally, the dates are referred for conception planning (making love and expecting a baby to the family). Nowadays, people also make reference to them for Caesarian delivery of new born. (Click the

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com35tag:blogger.com,1999:blog-2545087007255463939.post-34132387791303411802021-09-03T01:39:00.002+08:002021-09-09T14:23:37.557+08:00

Here is the list of auspicious dates in 2021 (year of Cow) for getting a baby (求嗣), which is produced based on the Chinese almanac Tong Shu.The dates have good element(s) to embro/faetus. Traditionally, the dates are referred for conception planning (making love and expecting a baby to the family). Nowadays, people also make reference to them for Caesarian delivery of new born. (Click the image

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-85981951190068028682021-08-30T01:42:00.009+08:002021-09-09T12:42:59.441+08:00

 Here is the list of auspicious dates for moving to new house/office in year 2022, which is produced based on the Chinese almanac Tong Shu. (Click the image to enlarge)Bear in mind that although the Tong Shu is a compilation of Chinese astrology and calendaring studies gathering wisdom of thousands of years, we should use it wisely and rationally, but not be too superstitious on it.If you

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-61508847708268481352021-08-30T01:37:00.004+08:002021-09-09T14:24:12.140+08:00

Due to the global pandemic of COVID-19, moving is restricted during the first half of the year of 2021. Hopefully, it can happen during the second half of the year.Here is the list of auspicious dates for moving to new house/office in year 2021, which is produced based on the Chinese almanac Tong Shu. (Click the image to enlarge)Bear in mind that although the Tong Shu is a compilation of Chinese

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-84446806365854096492021-08-27T17:54:00.010+08:002021-09-09T12:43:36.043+08:00

There are significantly less auspicious days for renovation in year 2022 than 2021.Here is the list of auspicious dates for home or office renovation in year 2022, which is produced based on the Chinese almanac Tong Shu. (Click the image to enlarge)Bear in mind that although the Tong Shu is a compilation of Chinese astrology and calendaring studies gathering wisdom of thousands of years, we

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-91573083263629587982021-08-26T18:17:00.008+08:002021-09-09T14:24:40.973+08:00

Due to the global pandemic of COVID-19, a lot of renovation works are unable to be carried out during the first half of the year of 2021. Hopefully, it can happen during the second half of the year.Here is the list of auspicious dates for home or office renovation in year 2021, which is produced based on the Chinese almanac Tong Shu. (Click the image to enlarge)Bear in mind that although the Tong

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-6262368408945734492021-08-18T17:53:00.004+08:002021-08-18T17:53:46.505+08:00

Many couples plan for their wedding more than 1 year ahead in order to have sufficient preparation time. Here is the list of auspicious dates for wedding/marriage in year 2023 (year of Rabbit), which is produced based on the Chinese almanac Tong Shu. (Click the image to enlarge)Bear in mind that although the Tong Shu is a compilation of Chinese astrology and calendaring studies gathering

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-74496931231796944012021-08-17T23:49:00.009+08:002021-09-09T12:44:39.011+08:00

Many couples plan for their wedding more than 1 year ahead in order to have sufficient preparation time. Here is the list of auspicious dates for wedding/marriage in year 2022 (year of Tiger), which is produced based on the Chinese almanac Tong Shu. (Click the image to enlarge)Bear in mind that although the Tong Shu is a compilation of Chinese astrology and calendaring studies gathering

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-40211466439194070032021-08-12T13:22:00.002+08:002021-08-12T13:24:33.237+08:00

FYI, Phillip Capital who manages eUnittrust.com.my and Phillip Mutual Berhad, is organizing the 11th Phillip Investment Conference 2021.The theme for this year is "Road to Investment: Turning The Corner".Due to the current pandemic situation, the conference will be held online. Date: Saturday 11 September 2021Time: 9:00am to 6:00pmVenue: LIVE Online Conference at

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-89178707013512266992021-08-10T18:36:00.006+08:002021-08-10T18:41:03.691+08:00

I had been troubled with drain blockage problem under my Teka Jumbo kitchen sink every 1-2 years.The strainer that come with the giant size stainless steel sink looks good. Just that I think its gap is still a little bit too big, and there are food substances managed to drop into the drainage pipe, accumulated there and causing blockage after some times.I found this Haodex brand L-size stainless

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-63328714913899659692021-07-31T22:43:00.002+08:002021-08-10T11:54:41.058+08:00

I had bought a few units of the electronic UV light type of mosquito trap before. They were functioning well in trapping and killing mosquitoes.Unfortunately, after one to two years of usage, all of them became problematic and unable to function well. The problems faced are:In some units, the LED lights became dimmer and dimmer, until no longer able to attract the mosquitoes.In some units, the

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-33188867209223768952021-07-28T18:19:00.003+08:002021-07-28T18:19:44.333+08:00

Finally, I have retired my 4 years old Neato XV-11 robotic vacuum cleaner and replaced it with a new Roborock S7 which has both vacuum and mop function.  The Roborock S7 is currently selling at the price of RM2xxx. You should be able to get it at a lower price of RM2,099 during certain online promotion period. It is slightly more expensive than Roborock S6 MaxV.The main differences of

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-83533489322423165242021-07-12T18:50:00.001+08:002021-07-12T18:59:42.784+08:00

While coding an application with MySQL as database, you might come into this situation:You want to insert a new record into a table, if and only if there is no existing record in the table with certain matching fields.The matching field(s) need not has a unique constrain in your table structure design.Your insert statement does not include value definition for the table's autoincremented primary

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-35121745242424739002021-07-08T17:26:00.000+08:002021-07-08T17:26:29.648+08:00

I've purchased the Huawei Scale 3 body analyzer scale at the price of RM99 directly from Huawei Online Store during their recent online promotion. The RRP of this scale is RM149 during normal days.This scale is operated by 4 AAA size batteries. When used by a single person daily, the batteries can last for about a year. When used by the whole family, they can probably last for about 6

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com1tag:blogger.com,1999:blog-2545087007255463939.post-46631170861884362632021-06-26T17:42:00.001+08:002021-06-26T20:47:12.143+08:00

According to a study led by University of Washington at Seattle researchers, a blood oxygen saturation level below 92% and fast, shallow breathing were associated with significantly elevated death rates in a study of hospitalized COVID-19 patients. (Click here to read the original source of the research paper)Healthcare experts also mentioned that situation of happy hypoxia, or silent pneumonia,

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com1tag:blogger.com,1999:blog-2545087007255463939.post-75828283097845805052021-06-08T22:54:00.000+08:002021-06-08T22:54:43.898+08:00

I had a Brother P-Touch 65 thermal label sticker printer in my household that served for more than 15 years. It was really handy to use. Recently, it had finally reached its end of life.As its replacement, I have bought the Niimbot D11 portable thermal label sticker printer. If you are looking for a label printer under the price tag of RM100 that is capable of doing a lot of wonders, you can

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com1tag:blogger.com,1999:blog-2545087007255463939.post-54580446495861214442021-06-03T11:18:00.004+08:002021-06-03T11:22:02.461+08:00

There are basically 3 ways to check your latest COVID-19 vaccination appointment status:Check inside MySejahtera mobile app, under COVID-19 Vaccination functionCheck with JKJAV websiteMake a phone call to toll free number 1800-888-828Using either one of the above channels, you can check for the vaccination status for yourself, as well as the status for your dependent(s) registered with your phone

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-89259911674549313752021-06-01T12:24:00.000+08:002021-06-01T12:24:02.814+08:00

Chubb is giving out free insurance, provided to Malaysian citizens age 18-70 years old, without any charge or payment of premium needed, for COVID-19 vaccination.You might have already received email from AirAsia BIG Rewards regarding this initiative, as AirAsia BIG Rewards is a joint-organizer for this "Complete a Survey,  Get Free 14-Day  Post Vaccination Insurance & Be

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-13387466954332668142021-05-16T00:36:00.002+08:002021-05-17T15:15:28.281+08:00

By now, you should be aware that there is a daily return earning account called GO+ inside Touch n Go (TNG) eWallet, which maintains a separate balance from the normal eWallet balance.Unlike the normal TNG eWallet balance which has zero return, this GO+ balance enables you to earn daily return. Your balance will be seamlessly used to invest in money market fund operated by Principal Asset

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-82427184968164679052021-05-05T22:21:00.006+08:002021-05-05T22:21:43.164+08:00

 Photo by Micheile Henderson on Unsplash“Save more money!” countless advertisements shout at you. “Put aside part of every paycheck!!” your parents scold. “Save as much as you can, or you’ll regret it later!” your financially savvy friends advise.  Yeah, saving is important, but the above tips are remarkably unhelpful, aren’t they? You’re always left wondering, “How much of my paycheck

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-58626870985298710292021-04-23T00:43:00.000+08:002021-04-23T00:43:05.747+08:00

 Photo by Kelly Sikkema on UnsplashYour home budget, also known as your household budget, is the money you set aside that will go toward essential living expenses. It’s critical to budget your finances to only spend what you can afford and reach your savings goals.  You can guess what kind of things go into a home budget: rent or mortgage, groceries, savings, debt repayment, utilities,

Voyager8http://www.blogger.com/profile/09156670205944135447noreply@blogger.com0tag:blogger.com,1999:blog-2545087007255463939.post-8352354082141096902021-04-12T17:54:00.001+08:002021-04-12T17:54:36.130+08:00

Having a touchscreen HVAC control panel in your car might look cool, but the touchscreen is vulnerable to accidental scratches too.One day after a car wash, I found an obstructive scratch on my car's touchscreen HVAC control panel.How to remove the scratch line and restore the touchscreen surface to be as smooth as before? I found the German-made Polywatch scratch remover cream to be a good

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 Photo by JESHOOTS.COM on UnsplashHave your money problems become so dire that you find yourself searching “I need financial help immediately?” We get it. You’re in a tight spot, and you’re panicking. Hearing that you're not alone doesn’t really help, and you aren’t sure what to do while you’re not thinking clearly.Take a breath. Financial stress can be overwhelming, but you have more

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