PTPTN Latest Feature Checking Overdue Payment

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All the horror news about PTPTN personally sending enforcement officers knocking your door soliciting payment is an old story.


There are enough headline about PTPTN on major newspapers notably Thestar and New Straits Times. Magnifying the issue of borrowers never pay a single cent back after graduation. Here is one of the example of PTPTN borrowers gradually paying it student loan back so that in the future some may still get loan for higher education in Malaysia.


Personal perception on PTPTN fund would be "student loan for the bad grade student". The fund actually help bad grade student get back on feet again explore the tough job environment out there.


Not just the bad grade student unable to score prestigious scholarship landing a class at one of the state-of-the-art university, the poor are one of the criteria who will utilizing the PTPTN fund to further their studies.


The whole point is a direction showing that only the capable of scoring prestigious scholarship the good grade student get education for free.


The real question is can we the borrowers get more time to pay rather than the limited time frame ?




PTPTN Latest Feature, checking your overdue amounts



Usually the formal replies from the PTPTN would be remember the first time you signed a contract with PTPTN you must pay back all the amounts before the due date.


In 2016, there was a PTPTN office nearby lots of people queuing at there. I was trying to get a glimpse on the inside and try to found out whether the blacklist is on my tail. A friendly personnel shown my overdue a totaled more or less RM 5000. I did tell you earlier that I am a casually paying back my education loan right ? Before I left the National Higher Education Fund office, I quickly looked around there were few people trying to pay their debt on the counter.


Certainly a great feature, in 2017, PTPTN website get an upgrade which there will be a showing on how much overdue one has to pay now. Besides, borrowers could utilize hassle-free service such as "Jompay" to avoid any charge.


Previously, the hassle-free service provided by FPX could help borrowers pay their loan back at ease in their home with Internet access. However, there will be a small charge. Click here for more info






I do not know about the business behind of JomPAY for being free to use. There are many local banks supporting jomPAY one of them is Maybank2u.


Before proceeding to make a payment, please check on PTPTN official website on your personalized designed JomPAY biller code, ref 1 and ref 2.  All you need is your 12-digits national identification card numbers.






For your information, you can get a similar guide at PTPTN website how to pay education loan back using Maybank2u and JomPAY.


You might notice the Ref 2 is your official mobile numbers and there will be a requesting for TAC confirmation code at later stage.


Your transaction is successful ! Thank You for the payment. Although, author was not from a rich family and not having a position that pay a decent salary, still, obliged to pay back my share for what I have promised in the contract.






Paid back my share of loan on the eve of Lunar New Year 2017. I plight PTPTN could loose it terms and conditions so that unfortunate peoples who gains nothing but useful knowledge using the funds could get an extend period of time paying back education loan. Sharing my point of view from the borrowers myself.

















Stability Test on Webe Mobile Internet

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Counting 3 month using Webe mobile Internet  





Are you still playing safe and observe ? Try it now, feel the power of unlimited data on your hand. A great power comes a great responsibility so utilize it for good stuff.


Author was reluctant to show you Webe service in case of too many users flock to use the service and disrupted author selfishly enjoying it. Perhaps, when there are too many users Webe gonna continue to upgrade it speed to ever greater height ?


I have listened enough of sharing is caring, major issue with Webe is that it was not really reachable to many places. Recently author was holidaying at Sabah, surprisingly, there was strong signal and could watch Youtube at 480p.


Due to the Webe sim card is not easily to be obtained at to he market, only sizable of consumer could own them especially those who are familiar with buying goods online and those who actually got an online banking.


Nevertheless, Consumer who wish to use Webe service, there are 3 notably outlets where one can pay over the counter. Besides, Webe do have an online customer service and an efficient platform to help you successfully buying Webe sim card and have it deliver to your home address.






10 Reasons Why You Should go to Gym

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Gym business in Malaysia are doing really well



The fitness center is a real business model due to an increasing demand for better health. At the recent budget 2017, there was a column purposely quoted that there will be a tax relief on Gym membership fee.





1. Heart Coronary Disease 


The statistic number never lie, still, no one bother about it. It seem like over the years, people are getting some awareness and conscious about their well being. It could explain why Gym business is flourishing than before ?


2. Vegetable and Fruits are just lazy advice







It is truly blessing living in a place where vegetables and fruits are cheap and all of us can easily access and afford buying dozens of them. But, the fact is those nutrients are acquired too easily. 


Some believe that all of the vegetable and fruit's rich nutrients will turn into fats whenever the body deemed the minimum daily nutrient is met for inactive person. As for the physically active, the body will adapt and digest all the rich nutrients on a maximum capacity. 


3. Gym is your favorite running track







The loud speakers with random good songs, television with great channels are some of the main attraction inside gym will keep you distracted during your exercise. The distraction is mainly to numb / weaken the body's pain sensory and will keep you going.


4. Outdoor versus Gym


A confined area with air-condition and less mosquito bite. No strangers talking to you in the middle of your exercise trying to seek your attention and ask your knowledge of the direction of nearest toilet. 


Besides, there are no way any outdoor park has dumbbell, locker room, changing room and a trainer always walking around anxiously with their well-built body. 


5. Yoga Class



Some fitness center offers Yoga class at a certain time in a day. Yoga is a no joke physical activity. It could turn one man with 130KG into a 70KG man with right amount of effort and time. 



6. Preparation for your marathon




Penang Marathon 2015. More info at 27 Photos of Penang Marathon 2015


Another hype thing to do for an adventure-seeking Malaysian definitely not excluding the marathon events. Your first or next marathon is crucial with the right mindset is to do all the necessary preparation mentally and physically. 


You would not risk your body getting a tremendous amounts of shock after a 21km half marathon due to lack of physical training and mentally unprepared. 



7. Good Peer Pressure


Everyone should have a role model in life. There is always someone better than us and train harder than us. All of them come to Gym for the same purpose. The strong will of carry on sometimes is weak in ourselves and strong on other good people.


Newcomer at Gym always serves a reminder to us why we come here at the first place. a right amounts of good peer pressure work fine for the gym newcomers and the veteran.



8. Avoiding 9 out of 10 of Death cause in Malaysia 


It seem like the dead cause list always blame us on our smoking habit. Can't they just tell us what to do for nonsmokers out there ? I do not know the future of Malaysia death cause but today we are narrowing the problem to two, Mosquitoes and Heart.


As you can see here the problem is pretty much solved by the introducing of Gym. You could opt for the nearest gym. One of the clear example is the Fitness center located at newly opened Sunway Velocity Mall 2016. 


By the time you know it, we are the lucky few avoiding 10 out of 10 death causes in Malaysia. As for those who are smoking, there was a reliable study indicated that strong will for exercise could deter one desire to smoke.


9. The Influence of Instagram 



I find it nonsense as one of the widely spread article actually quoted like this" Singapore has the healthier people in the world". Check it out at Singapore healthiest country .Perhaps, they play too much Instagram already.


Social media such as Instagram is a great way to spread incredible health message by images such as six pack and yoga pant. Everyone seem to have an inevitable desire to upload something like that in Instagram to showcase us the beauty of having a healthy and attractive body.


There was a joke told by a funny man that women notice two things a man has, your job title or your physical attributes. 




10. Make use of your sport apparel



The rising of sport apparels has attracted us to buy the under Armour with our hard-earned cash. Buying and wearing sport apparel is always a form of motivating us to do more activities. As usual, the gym has a dress code that every members should acknowledge the important of attire within the compound.


As if you have a pair of running shoes and a comfortable sport apparel at your wardrobe please make use of it there are tons of Gym at your area.