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Text Content

JUST ME..AND I'M BACK!

Whatever! Technology, Food, Business... and TRAVEL!





THURSDAY, MAY 30, 2024


MY QR FOR MALAYSIAN



 MyTrip the equivalent of Singapore QR code for immigration clearance is here.

How to do?

2 things needed: MySejahtera and MyDigitalID.







Yes.. MY SEJAHTERA...That stupid Covid app thing.

Its quite simple to link the KYC.. IC front n back and selfie...and it
works...then login to mysejahtera using the MyDigitalID. Macam SingPass lah.







Then go to MySejahtera ... Click on MyTrip.. and link passport. You need to scan
the MRZ... take the foto long way... 







Then once verified.. the MyTRIP QR shows this...




Good luck








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WEDNESDAY, SEPTEMBER 27, 2023


DIGITAL NOMAD IN APAC



 Some people find it being a digital nomad is the best option to work. Since
Covid-19 Pandemic, remote working, aka WFH is the next best thing for work life.
But there are some downside if you just WFH and lack the social skills.

So thus, many opt for the Digital Nomad hot desking at remote locations
worldwide. Me too, despite based in London, I am happy in Sunny Singapore, with
services and facilities available 24/7 for the most time of it.



Getting to work is one thing, but making sure you comply with the local law is
another. Despite many people loving Singapore, they have a strict law regarding
immigration as many thought they can do the normal "Visa Runs". Even
Singaporeans sometimes run foul of the laws in Malaysia by living there
continuously or even daily commute.

Malaysia: They have a new program called DE Rantau by MDEC , which is the
Malaysian Digital Economy Corporation. However, you may be subjected to
Malaysian tax regimes which as a foreigner, is as high as 28% since the Ringgit
is very weak *(RM4.70-USD/RM3.40-SGD) and with average pay in Singapore for
newly graduate IT Tech Support L1 is about USD29K a year, the tax would be about
RM11,000 or USD 2500 *(roughly 10%) vs people like me, will be paying about 20%
in Income Tax.

In a professional view, a Junior IT Engineer, will be earning S$5000+
*(S$60,000++pa) have to pay about RM 55,000 *(SG$15,000) in Malaysian tax
compared to about S$2,700 in Singapore alone. Assumption is Single without any
deductibles available.



Cost in Malaysia is very cheap! RM1500 in JB will get a good guarded condominium
with gym etc whereas average like-for-like in Singapore will set you off for
$4500 *(RM15k)

But the red tapes...oh my lord...it's never an easy thing. Singapore is
digitised. But..they do not really welcome nomads. You need a working permit etc
if you wish to stay longer. Else, stay in Batam.

Malaysia on the otherhand, the fees are about RM2000 +RM3000 for the security
bond. You can bring your kids too, but all in all, getting a professional visa
is far cheaper, when starting a company cost about RM4000++, and the visa fees
are similar but you get to stay for 3 to 5 years.

I will go into depth in  another article




Chao!



ازرين بن عبدالعزيز ماجد





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SUNDAY, AUGUST 6, 2023


THE TRUTH ABOUT CREDIT REPORTS AND CREDIT SCORE.



 I know, being having bad credit sucks, especially if you are a foreign student
or just landed in the country. Like me, it's worse off, since I have not had
credit for the past 19 years , and because I am overseas, banks do not like me.
Even Santander (ABBEY National) when I have been with them for over 20+ years.

No credit, or thin credit is worse off them having poor credit. So what do I
have to do to get things started:



 1. PROOF OF IDENTITY- Your drivers License. A Learners License (Provisional)
    would at least get you somewhere as proof. You will need the D1 form and ID
    + £34. They will need your passport # or Visa Share code. I don't trust them
    enough...so a trip up to Morriston Swansea is best.
 2. Basic Accounts etc still require ID, and it's a chicken & egg situation,
    thus why your first stop is to get your ID sorted. 
 3. Voters Roll - It's to show you are legal there. And yes, a NATIONAL
    INSURANCE NUMBER (NINO) is needed, so you are able to work, and link your
    license too to it. Don't have it? Go get it yourself. Previously, we get
    this from the DFEE or Jobcenter, and now it's done online. 

Some organisations do let you have a mere basic account, but if you are from
abroad, best if you have a HSBC Account and from there, the International Team
can help you get an account BEFORE YOU GET HERE. Once you are here, change yr
address and it take them 3 months to get your records. 



Do note some stuff with HSBC: CALL THEM AND MAKE SURE YOU ARE TAX LIABLE FOR UK
ONLY and NOT DUAL TAXATION. By default, those clowns in Bangalore will say you
are tax resident in XXXX and UK, otherwise you won't get any benefits from the
account. And you gotta press on with them that you are a Premier customer so
that you get the benefits.


For now... I will talk about those credit builder site. Yes. I paid LoqBox to up
my ratings and kinda work, cos now my credit utilisation is far better.



In every aspect, it takes alot of patience and time.




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WEDNESDAY, JULY 12, 2023


NOTICE OF FILING FOR TRADEMARK



 Legal Notice.

We at Azrin.Info, Property owner for Intellectual Mark ( ZYRAZ'S ) and it's
variants (ZYRAZ) of Name and the Phonetic Sounding alike , hereby transfer the
asset of Malaysia Mark No 07015090 of class 30 (manufacturing) CaseID 2007-07187
to Zyraz Technology and it's subsidiaries, including ZYRAZ Ltd (UK), ZAIRA FOODS
Limited *(UK) under UK Property Mark number UK000039333093.


















This serves as a legal notice of any parties using our Trade Name ZYRAZ and it's
Variants within the laws of UK, Singapore, Malaysia and European Union.




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TUESDAY, JULY 11, 2023


WHERE HAVE I BEEN...



 I just realised my last post was actually 1 year ago and I was actually quite
busy ..that I forgot about things. 

Things Done:
Setup new Entities in UK *(Zyraz Ltd, Zaira Foods Limited) and a few bit and
bobs here and that to prepare myself for mini retirement. Looking into things,
the UK Market is pretty much screwed when I was there...and blimey... it's
really costing a fortune there.



However, it propose a very interesting proposition for me.. getting back into
the property ladder. With places like in Newcastle cheaper than my car here in
Singapore... heck anything is cheaper than the COE! 

Anyway, I will do some back posts....or when I am free...

For now..it's business as Usual.


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TUESDAY, NOVEMBER 29, 2022


SUBSIDY ISSUES - SIMPLE SOLUTIONS FOR ALL.



 Malaysia now is in a new era of government and thus the government must listen
to the Rakyat.

Fuel subsidy is a real pain in the backside for a lot of people, and they should
learn from from both Indonesia and Singapore on how to run a fuel management
system.

My take is as such:

Corporates:
Link with a Fleet Management Operator, such as Petronas, Shell, Petron, BHP or
even a 3rd Party Fuel Reseller such as how in Singapore akin to BestFuels etc
for DIESEL MANAGEMENT.

How it work? Every card /  RFID Token has preset quota per day / week and month
and when it's finished, it's finished and they have to pay FULL TARRIFFS. So as
a company, they could pool the subsidy up to their limits, based on their usage.

Example: ABC Bus has 20 Express Buses and each uses 260L and drives
2000km....which is a lot. So the quota will be 250Lx28days=7000L per vehicle and
the preset fuel will be billed accordingly, on month-to-month basis. If the
company has poor payment record, then the fuel subsidy will go like the
Commercial Vehicle Owners, such as Grab etc.



Commercial SME users can use APP BASED discount where they are given discount
coupons for their purchases and this is subjective to their 'QUOTA' usage. Of
course, like here in SG, we have 'LOYALTY' cards which is nothing new, but these
cards can come with preset discounts like 10-20% depending on membership
*(standard, commercial, grab-driver)++ 

So fuel prices MUST FLOAT. To ensure dealers are not short changed, the price
they pay the company is based on the amount of fuel dispensed, less all the
coupons and discount codes. Again, this is to ensure fairness and equality, as
some stations lose fuel to ullage is approximately 400L of Petrol a day. As a
former station owner, our net dealership discount was only 3.5sen per liter and
over a tankful of 52,000L delivered, we must sell that all in a day at least
before we lose money due to weather.

We actually make a little bit more money on the shop stuff, like prepaid and
e-wallet topup (50c per transaction) and what others.

So, if foreigners want to refuel, they pay as per float and if B40 wants to get
super cheap fuel, the subsidy may be higher because they have more coupon or
subsidy whereas those with high capacity cars, get lesser coupons.

So if you run out of coupons or if you are not entitled to subsidies, then you
pay the full price. Simple as that. You cannot have a BMW driver enjoying same
subsidy as those with earning less than RM4000.

The mechanism could be as follows:


Motorbikes, under 150cc                     RM100 or 50L of subsidised fuel at
RM1; 50L @RM1.50.
Cars under 1500cc or over 10 years    RM300 or 100L at RM1 ; 100L at RM1.50
Cars 1500-2000cc                                RM200 or 200L at RM1.50
Small Trucks BDM<5T                       RM500 or 500L at RM1 (Same as
fisherman)
Large Trucks / Bus                               RM2000 or 2000L at RM1

This will be far lower than the RM2.05 fuel price but they won't bleed too much
as logistic cost won't go up. The bare subsidy can be applied directly to the
fuel provider as a pool or likewise.




Put to this perspective, a Thai Pickup, refuel 60L x 3 a day = 180L of subsidy
lost daily x 20 days...which is about 3800L of fuel subsidies or approx RM2000! 
My Singaporean Brethren are no better with their fuel monkey tricks, despite the
RM4 full price of RON97...so at least there is a sense of targeted subsidy for
the needy.



In a way, 50L of petrol = 700km for a biker, or 20 tankfuls of a Honda Cub,
1000KM for a small car based at 10km/L consumption, and these will spur the need
to budget their commute to public transport.

As for Stage Bus, maybe the LTA-PPP Bus may work well, where the bus, fuel are
by the MOT, and operators charge for the Labor and Operations. At least we will
know the bus will be on time and maintained.




 


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TUESDAY, MAY 24, 2022


RFID - TOUCH N GO ... (JOIN JB RITE?)



 Honestly I play cheat alot cos I HATE QUEUE, esp paying for toll.




What U need:

Touch n Go e-Wallet account. Top it up RM100 (can auto reload also). Recommend
use a MALAYSIAN NUMBER, Maxis Hotlink is good, 30day validity, you can get free
data, just topup RM5 to make it alive every 15-30 days...or Digi/Altel with
their 365 plan.

Physical TNG Card..which U need to pay the stupid RM20 RoadCharge anyway. FYI,
many places NO STOCK! New RFID type wait long long.

TNG RFID sticker..this one U can buy on Shoppee or many shops can do for you.




I don't like to permanent stick, so I recycled an old McD VIP decal, put in
middle of it, place 6 INCHES (2 fists) from top n bottom, macam how we stick
road tax disc last time, AWAY FROM ANY OTHER devices especially if U got those
gantry cards. If you do, place yr gantry cards in bottom of your car...this RFID
is a very luan kuku nathen type.  I honestly way, have a clean left side,
otherwise the alternative is more worse (paste at your number plate which must
be PLASTIC)



Register, enter your plate number, and put the details, they will ask if
malaysian car...just say yes.. cos Sabah Sarawak now plate same as ours...and
wait for approval and activation.

Then, moment of truth, test at the RFID Lane on the toll. 

If OK, then all good. Money deduct from eWallet. U will get a notification for
that.

Many place , parking is all DIGITAL, so pay using your TNG App, and shop locally
using the ewallet like 7-11, Lotus (TESCO) , MyDin *(CHEAP!) and more




Good luck


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WEDNESDAY, MAY 4, 2022


SELAMAT HARI RAYA 2022



 Salam Semua,... Selamat hari raya... mintak maaf lah eh..tapi posting posting
yang memarahi org sg isi minyak (walaupon Ron97, VPOWER) dan apa2 lain...really
now getting on my nerves....

Enuff talk lah.. SHUT THE FRIGGING BORDER DOWN! We don't need all the critics
and noisy motorbikers. I hate those noisy and reckless bikers! Jangan kasi orang
Singapore masuk langsung ok?!
Give you business also KPKB .... while at it... we stop all ships going to PTP
and Port Klang too k...
Dulu yang mulut longkang selalu kata...MENYEMAK JER ORANG SINGAPORE NI.. tak
sedar sedar lagi ker? 2 tahun tutup..yang mampos rakyat Malaysia yang kerja di
Singapura..kerana gaji di KL RENDAH SEKALI..tak setimpal kerja.. Doctor di HKL
gaji RM5000 banding houseman S$4000..cleaner pon dapat $3000! JB terus jadi
macam changlun / kelantan...kedai tutup abis.... Nak lagi ker??
INGAT SIKIT.. Kerajaan dah tak cukup duit..nak sumbat dalam ATM pon BNM tak
cukup... Barangan kita mahal giler kerana supply chain kita bottle necked kat
Port Klang etc compared to SG... tak sampai 6 jam... kapal dah unload+loaded
up+refuelled. Kita? 3 hari masih sangkut.
Kita kalau border tutup, orang SG boleh belanja di tempat lain....Australia ke..
Bangkok ke.. London ke....flight banyak.. dialu alukan lagi pelancong yang
berbelanja di tempat mereka. Kita yang merantau di pulau penjara nie mencari
sesuap nasi..kerana susah payah di tanah sendiri.... Ramai, setakat SPM je boleh
digajikan lebih dari seorang doktor di Malaysia.... untuk kesenangan anak dan
keluarga di Malaysia.
Don't make our lives more miserable. Kitorang pon terpaksa pakai kenderaan SG
pasal nak bayar VEP etc MAHAL GILER!


Really frust lah.


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WEDNESDAY, MARCH 30, 2022


SINGAPORE - JB BORDER IS NOW OPEN!



 Great News! Singapore - JB Border is now opening on 1st April 2022.

What you need:

1) LOG CARD

2) INSURANCE CERTIFICATE

3) COVID CERTIFICATE FWD Insurance

4) MySejahtera App

5) Touch N Go E-Wallet

6) Touch N Go Card




DRIVERS NOTE:

Understandably, your TNG Card is DORMANT, so you need a new one. You got 7 days
to get a new one but don't kanchong, Link your TNG Card to your e-Wallet and
money will be deducted from there. Then once you reach JB, GO GET A NEW ONE AND
TOPUP. This is for your ROADCHARGE! All Tolls now use E-Wallet money, and your
Singapore based Debit Cards can be used in the wallet.

Check your card status by clicking TOLL button on the app and if your card is
INACTIVE- means you are screwed, New Card is needed. Otherwise, you may be able
to get a refund if you registered it on the TNG Portal. 

YOU STILL NEED VALUE IN YOUR CARD FOR ROAD CHARGE!




MYSEJAHTERA

That is similar to Trace Together in Malaysia. You can either use your IC Number
as ID or Passport Number but I suggest you use your Singapore NRIC for that as
your IC don't change.

Register using your Singapore Number and then register your overseas vaccination
cert on the HelpDesk.

One trick is for your kids to be placed in your account, so one check in, all
checked in.

Vaccination Process update was covered before.

It takes 5 days to update! Bring your ORIGINAL Digital Cert!




As Malaysia tend to cock up, please keep paper printouts so you cover yourself.

Do not forget , their ATMS close at 11pm-6am!







 





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MONDAY, FEBRUARY 7, 2022


DATA PRIVACY AND PROTECTION.



 This Serves As A Legal Notice

Azrin Info Web and it's affiliated sites are hosted across the world, with
Domain Services in United States and Entity Services Registered in Singapore,
United Kingdom and many other locations.

While browsing the content here and throughout, your activities will be tracked
by so many 3rd party services, for financial gain such as advertising or
demographics or anything else for that matter and may be owned by Foreign
Government Agencies.

The Data and Information may be passed and resold to other parties and by coming
here, you consent that you have no right over your own data and stuff like that.
In other words, ANYTHING GOES, similar to the dark web and the operators and
content providers, it's agents and affiliates are not responsible for your
safety and security.

Malaysia Government Regulations require us to inform you that our servers are
located across multiple countries, commonly known as CLOUD DISTRIBUTED NETWORK
and Services in Malaysia are operated by Zyraz Technology Berhad, Co Reg 809970H
and it's subsidiary, ZYRAZ VENTURES which are all owned by Zyraz Technology
Singapore, UEN SG53231076D.

Our servers are located primarily in Singapore, Malaysia, UK, US, Ireland,
Germany and China via AliYun Cloud Servers. So these governments can get hold of
your data without us even knowing.

As such, you are responsible over your own actions.


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