Due to my plan for honda civic 2010 have expedite 2 month earlier, which is end of this month will arrive, I will face my own financial crisis at this moment I have to get enough cash as down payment for my new Japanese wife, plus some huge credit card bill from last month (expenses for budget langkawi trip), life insurance, and other bills all come at the same time, So no choice for the low conversion rate either.

How to withdraw paypal fund to Malaysia Local Bank
1st, you require to add bank,

You require to put your bank swift code, and also your name and bank account correctly. Surname and Name sequence does not matter, as long your full name is there. After fill up all, hit “Continue”

here is the list of Malaysia Bank Swift Code you can use.

Affin Bank Berhad -> PHBMMYKL
Alliance Bank Berhad -> MFBBMYKL
Ambank Berhad -> ARBKMYKL
Bank Simpanan Nasional -> BSNAMYKL
CIMB Bank Berhad -> CIBBMYKL
Citibank Berhad Malaysia -> CITIMYKL
EON Bank Berhad -> EOBBMYKL
Hong Kong Bank Malaysia Berhad -> HBMBMYKL
Hong Leong Bank Berhad -> HLBBMYKL
Malayan Banking Berhad -> MBBEMYKL
OCBC Bank Berhad -> OCBCMYKL
Public Bank Berhad -> PBBEMYKL
RHB Bank Berhad -> RHBBMYKL
Standard Chartered Bank Malaysia Berhad -> SCBLMYKL
United Overseas Bank Berhad -> UOVBMYKL

Visit this link you interest to know more about what is Malaysia Bank Swift Code

Hit “Add bank account” if all the detail are correct.

Withdraw Fund to Malaysia Local Bank

After finish adding bank into your paypal account, you can now click on withdraw, here is the fees for the withdrawal, if you manage to withdraw more then RM400, the fees will be waive.  Click on “Withdraw to your bank account” then just key in how much money you want to cash out.

Put in the amount of cash out, and verify your bank account number (4 ending digit) and hit “continue”

Over this section, it will mention on how much the conversion rate. I have check at local news paper conversion rate during I cash out, it was around 3.38, but over here provide 3.33 only.

Over here, it stated that require 2 to 3 business day to process the cash out, and for cash out paypal fund to visa debit card, it require 5 to 7 day business day. So which one better?

To Bank or to Visa Card?
In term of processing days? conversion rate? Without waiting much, I have try to withdraw to bank and to visa debit card at the same time, each USD$500, and lets see which one faster, and which one better rate!

Withdraw Paypal fund to to Visa Card

Same step at withdraw fund section, click on ” Withdraw funds to your card”

Key in the amount you want to withdraw, maximum only USD$500, and deduct USD$5 processing fees, the total you withdraw will be $495 only

After cash out paypal fund to Malaysia local bank account and also cash out to Visa Debit Card, lets wait and see which one get higher balance in my account

What special for November Computer Active
1.Windows 7 is the most famous topic now a days, Faster, Better, and Simpler.
2. 10 reason why you should upgrade to Windows 7
3. How to Banish Web Fraudsters, Hoe to avoid fake Shopping website
4. Workshops, 15 pages of easy PC workshops, make, protect, master, create.
5. Tried and tested PC tune up, tools to help backup and protect vital system files

Download Computer Active for November 2009 here

hxxp://r*apids*hare.com/files/300809438/Computer_Active.zip

What special on November PC Magazine?
1) Holiday Gift Guide, top products for busy travelers
2) Wimax Why you want it right now
3) Fujitsu life book, T5010
4) Microsoft Zune HD takes on the apple ipod

Download PC Magazine for November 2009 here

hxxp://rapi*ds*hare.com/files/300799919/PC_Magazine_2009-11.zip

What special for November PC Pro?

1.Superfast Broadband, when will we get it?
2.Crapware Expose, How bundled software cripples your PC
3. 24IN TFT, big brands, low prices
4.Laptop, Home or business, cheap or deluze, powerful or portable?
5. First Test on Intel Core i5, stupid amounts of power for stupidly low prices
6. Top 10 Tech U turn, we remember what the tech firms would rather forget.

Get your copy of November PC Pro here
hxxp://rapid*shar*e.com/files/284728585/PC_Pro_2009-11.rar

What Special at this month Computer Shopper Magazine?

1) Upgrade your PC -  Processors, Motherboards, Powersuppliers, Hard Disk, and Graphic Cards
2) Hand On- Olympus PEN E-P1 yested, Set up an online shop (My fave topic), get email working on Linux, Diagnose email error messages, Use web browsewe tabs, Master your camcorder;s expose
3) Cash in your attic, Let your PC tell you how much your junk is worth
4) Windows 7, step by step guides to all the new features, best for those who are start using or plan to use Windows 7

What you waiting for, get Computer Shopper for November 2009 here
hxxp://rapi*dshar*e.com/files/284725451/Computer_Shopper_2009-11.rar

Middle of this year, I have budgeting of either Honda City now, or Honda Civic 2 year later, but out of expectation, now I have a thinking on Honda Civic now or Honda Accord 1 year later… But feel that Accord is too “Uncle” type, not suit for me

Pass week end, I have arrange a test drive on Honda Civic 1.8S with the Honda sales personnel . After the test drive, not much special since just drive at the town road, and approximate 5 to 10 minute only, but during I start the engine, feel like not yet started! the engine is very smooth and quiet, totally heaven and hell if compare to my father’s Toyota Collora DX since 1980.

For the interior on Honda Civic, is very big and comfortable, but the disadvantage on Civic 1.8S is without “Paddle Shift Control” transmission, only available at Civic 2.0S which cost extra RM15,000.

According to the sales person, the color available for the next quarter will only have Taffeta White and Sparkle Grey Pearl, I still not yet decide to get what color, probably will get taffeta while, and may be put in Type-R body kit after some time later but fore sure people will laugh at me!

While for car loan, may be now economy more good, loan interest also increase, approximate 3.3% for normal bank, and 2.95% for those more unique type of bank (not much branches one), I still not yet decide get which one yet… what your opinion?

Anyway, if you need to know more, probably can visit Honda Civic Official Website for more information or wait for my full review after I get the car.

A smart card is similar to a magnetic stripe card but contains a microprocessor chip. The first smart cards were prepaid telephone cards, which operated on stored prepaid values. They have moved on from this to be used for things such as library cards, credit cards, student cards, and electronic purses.

Today, there are three smart card types with different access methodologies.

Contact cards
With a contact smart card, the user inserts it into a reader in order to access the information on it. The data is then transferred once physical contact is made. The reader supplies power to the chip in the card through the contacts. These cards are used in financial applications such as store-value, debit, and credit cards because of their reliability and the high power available to the microchip processor. Contact cards are slower and require more servicing than contactless cards.

Contactless cards
Contactless cards communicate with the card reader using radio frequency technology. They are implanted with a radio antenna. No physical contact is required with the reader. Contactless smart cards are suitable for application in fast paced transactions. Proximity, close-coupled, and vicinity cards are sub-types of contactless cards. Vicinity cards are used in industrial tagging, car-park access, and library book tagging. Contactless cards cannot support encryption techniques and are expensive to manufacture.

Hybrid or combi cards
Hybrid or combi cards combine elements of contact and contactless cards. This is done in three different ways. Firstly, there is a hybrid card that has two chips. Each chip has either a contact or contactless interface. This method offers high security but is expensive to produce. The combi card has one chip, but with a contact and contactless interface. The combi card is cheaper than the hybrid card. There is a third type that uses an RF sleeve with an inbuilt antenna. This enables the card to contact the reader, thus making a contact card into a contactless one. This card type has low security.

Focus on Mondex
Mondex is a contact smart card that holds the equivalent of cash. It is an electronic purse. A Mondex card behaves exactly like cash and unlike other payment cards requires no signature, PIN, or transaction authorization. Cash is stored on an integrated circuit (IC) on the smart card. Cash can be securely transferred from one IC to another. Value is stored in a purse in the IC. The Application Carrier Device (ACD) holds the Mondex purse application. In a Mondex payment, value is transferred from one purse to another. Mondex transactions take place by inserting the card into a card reader.

Mondex cards offer a low cost, secure solution to unattended point of sale transactions, for example in parking meters or reality television voting. It is reliable and secure because no cash needs to be stored, low value transactions are efficient, and the Mondex cards are available to the majority of consumers. Mondex has been applied to different markets. For example, it is used in company cafeterias, where employees pay for meals using value on their Mondex cards. A Mondex card can hold a variety of currencies and be used in the respective countries. In Norway, the national lottery company and post office jointly offer Mondex card holders online gaming with winnings paid directly to customer’s cards.

Electronic Funds Transfer (EFT)

EFT operates on the basis of two systems. Both systems do not always occur at the same time or in the same place.

Clearing house system.

The clearing house system is where transactions between members of a clearing channel are recorded. The Clearing House Interbank Payment System (CHIPS) is an example of a clearing house.

Settlement
Settlement is the transferring of funds from a payer’s account to a payee’s account. This can only occur between banks. The central bank of each country usually acts as the primary settlement agent. Settlement can occur immediately on a gross basis or be delayed on a net basis.
Fedwire, CHIPS, and ACH are examples of EFT methods employed in the US.

Fedwire
Fedwire is a real-time gross settlement (RTGS) system guaranteed by the Federal Reserve of the US. More than 11,000 members are linked by online terminal, host-to-host computers, and other technology. It is the main payment system used for high value US payments.

Fedwire offers same day value, no settlement risk, finality, guaranteed payment, speed, and security. The only drawbacks are the cost, limited linkage, and restriction of transactions to credits.

In a typical Fedwire transaction between company A and company B, company B sends an invoice to company A, which sends a payment instruction to their bank (bank A). Bank A debits company A and sends a payment message to the Federal Reserve. The Federal Reserve debits bank A and credits bank B. Bank B credits company B’s account and sends the credit advice to company B.

CHIPS
CHIPS is an RTGS system. It is a computerized telecommunications network owned by New York Automated Clearing House. It links 56 banks, both domestic and foreign, that have offices in New York City. Payments on this system are generally international US dollar payments between countries. These payments include interbank movements, Eurodollar payments, and the settling of foreign exchange transactions.

The system supports the growing e-commerce needs of the business community through the use of Extensible Markup Language (XML). CHIPS offers same day value, minimal settlement risk, finality, speed, security, and the ability to transmit up to 9000 characters of data. The disadvantages are the high cost, its restriction to credit transactions, and the limitations of direct membership.

ACH
Automated Clearing House (ACH) system was developed as a means for transferring funds, at low cost and in high volume, between US domestic accounts. It is an alternative to checks. The National Automated Clearing House Association (NACHA) was established in 1974. It forms a link between regions for the ACHs and provides a nationwide electronic payment and collection network among US financial institutions. It offers a number of formats for ACH transactions.

The system can be used for debit and credit transactions. ACH credit transactions include payroll, pension, and annuity payments. ACH debit transactions include consumer bill payments, such as utility bills, phone bills, and insurance premiums.

ACH is cost effective, reliable, efficient, deals with both debits and credits, uses batch processing, has accelerated inflows, allows for processing of large amounts of information, and is more secure than paper transactions. The major disadvantages of the system are the delay in settlement, lack of guaranteed finality, start-up and on-going costs, and concerns over debit transactions.

SWIFT
The Society for Worldwide Interbank Financial Telecommunications (SWIFT) is a global telecommunications network. It provides a strict message format for the exchange of financial information between financial institutions. Messages automatically pass through electronic links built between SWIFT and the local electronic clearing systems in different countries.

More recently, SWIFT has been applied to the transferring of the entire letter of credit process onto the Internet and providing Web-based functionality for business-to-business (B2B) transactions with SWIFTNet.

Payment system risks
There are payment system risks involved in the EFT systems. The daylight overdraft (when an account is overdrawn at the Federal Bank) is of concern to the Federal Reserve Bank. They have introduced charges curbing the limit a bank is overdrawn in any one day to address this risk. The second big risk was the delay in settlement in the ACH system. ACH has now introduced “ACH settlement day finality” to lower the risk.

eChecks

An eCheck is an electronic representation of a paper check. An eCheck uses public key cryptographic signatures and secure messaging over the Internet to make payments and perform other financial functions. They function using the same mechanisms as paper checks, but in an electronic format.

eCheck transactions take place in the following way:

• the payer “writes” the eCheck and “gives” the eCheck to the payee electronically
• the payee “deposits” the eCheck, receives credit, and the payee’s bank “clears” the eCheck to the paying bank.
• the paying bank validates the eCheck and then “charges” the check writer’s account for the check

eChecks offer safe bank transactions on the Internet, unlimited information carrying capacity, reduced fraud risk, and automatic verification of content and validity.

The eBill system is powered by eChecks. eBills are a paperless form of bill that are accessed on the Internet rather than delivered by traditional mail. eBills contain the exact same information as paper bills. Customers set up an eBill account with a website from which they can view, pay, and track the history of all bill payments. The system allows customers to set up recurring payments and reminders and guarantees payment direct from the account of their selection.

Mobile payments

A mobile payment is where two parties exchange financial value by means of a mobile device in return for goods or services. Mobile technologies include 2.5 and 3G data networks, and the Bluetooth, infrared, and radio frequency identification (RFID) wireless protocols. All mobile payments should be secure, interoperable, and easy to use.

Examples of where mobile purchases could be used effectively are

• mobile top-ups
• online shopping
• road-tolls
• fast-food drive-through
• service stations
• images or games

Mobile payments can be either Over the Air (OTA) or across wide-area networks (WAN). OTA payments usually operate on a browser-based transfer infrastructure, such as SMS or multimedia messaging (MMS). WAN uses a wireless network and proximity payments that transfer information over short distances. Proximity payments can be made using various technologies including Bluetooth, infrared, RFID, and contactless chips.

The mobile payment life cycle typically involves the following four phases. In phase one, the mobile payment mechanism is configured. This might be the installation of a payment device, such as a mobile wallet, on a mobile device. Phase two is the initiation of the payment by the consumer. Phase three is the authentication of the user, and phase four is the completion of the payment. This life cycle is similar to a typical credit card transaction.
Summary

A lot of people email me asking for the link, unfortunately, some does not even “thank”, and it is kinda disappointed, but as a blogger, sharing thing online without getting a thank from readers is as usual

Anyway, educate your self with the give and take rules, and if you like the thing I share, just drop your email behind, I will glad to see the figure increase

Where to download hiren Bootcd 10.0?
hxxp://rapi*dshare.com/files/273192130/Hirens.BootCD.10.0.zip
hxxp://www.sendsp*ace.com/file/58zve5
hxxp://www.megau*pload.com/?d=XYM2SD1C
hxxp://depo*sitfiles.com/files/og0papxkt
hxxp://www.bado*ngo.com/file/16890138
hxxp://www.filefac*tory.com/file/ah436d6/n/Hirens_BootCD_10_0_zip

More information, you can look for hired bootcd Official website

1. Verizon Blackberry Tour 9630 Smartphone. (blackberry is one of my wish list, probably will get one soon within this 3 month )
2. Best mobile 3G routers.
3.Kodak Zib Pocket Video Camera.
4. What new in security suits. 
5. Apple launch leopard
6. Your essential guide to Windows 7 (My next laptop will using windows 7), should we upgrade from xp or vista, which version is right for you? is your system ready (hardware)?

Download PC Magazine for October 2009:
hxxp://rapi*dshar*e.com/files/288109542/PC_Magazine_2009-10.zip