How to Create a Development Blog in Blogger

If you are a new rookie to blogging like me but like to hack around Blogger XML Template, I would storngly suggest you use a separate development blog to test your blog changes. This allows you to change your design at will without impacting your visitors especially violating Google Adsense policy.

In this post I will explain how you can easily create a development blog in Blogger.


Development Blog Requirements

As mentioned earlier, a development blog is where you can try out different template changes without having an impact on your visitors. This means that if a design change completely breaks your current design, your visitors won’t know since they will be accessing a separate production blog.

There are a few requirements that you may want to include in your development blog:

  1. No indexing by search engines. Since this is a development blog, you don’t want any posts published to this blog to be indexed by search engines. Many posts you create in this blog will probably test out your CSS, so they probably won’t be actual posts.
  2. Should not be included in listings. By default, Blogger will add your blog to its listings so others can visit your blog from Blogger. You will probably also want to disable this as well since you don’t want visitors to visit your blog.
  3. Should not show up in your profile. Everyone with a Blogger account also has a profile page. This page allows an author to provide details about themself, as well as list the blogs that they author. We don’t want to include development blogs in this list.
  4. Only the author(s) should have access. (Optional) If you want, you could also restrict the access to your development blog to only the authors.

Within the Blogger platform, these settings can be changed easily. In the next section I will show you how you can create your own development blog that meets the above requirements.


Creating a Development Blog

Use the following steps to create your own development blog in Blogger:

  1. Login to Blogger and then click the Create a Blog link at the top beside Manage Your Blogs.
  2. Complete the blog details. For a development blog you may want to give it the same name as your current blog, but add “Development” at the end. Once you are done, click the Continue button.
  3. In the next screen choose a template. If you will be using your existing template from your blog, you can just choose any template. Click Continue.
  4. A message stating that your blog has been created. Click Start Blogging to continue.
  5. The new post page should be displayed. For now we will not create a post, but will first setup the requirements oulined above. Click the Settings tab to begin.
  6. The Basic settings page should now be displayed. Change the following options to the indicated value:

    1. Add your blog to our listings: No
    2. Let search engines find your blog: No

  7. Click the Save Settings button at the bottom of the page.
  8. Now we will be restricting visitor access to out development blog. This step is optional. Click the Permissions link.
  9. Below the Blog Readers section, select the Only blog authors option. This will make your development blog private.
  10. In the popup window, click the Allow Authors Only button to accept and save your change.
  11. You may be prompted by an alert window indicating that you are navigating away from the page. If you see this window, click the OK button.
  12. Next we will ensure your blog doesn’t display in your profile. Click the Dashboard link at the top to return to your dashboard.
  13. Under your profile picture to the right, click the Edit Profile link.
  14. Your profile options should now be displayed on the screen. Beside Show my blogs click the Select blogs to display link.
  15. You may be prompted by an alert window indicating that you are navigating away from the page. If you see this window, click the OK button.
  16. Click the checkbox next to your new development blog to clear that box. Click the Save Settings button to save your changes.
  17. Once a message indicating your settings have been changed is displayed on the page, click the Dashboard link at the top to return to your dashboard.
  18. Before you begin using your development blog, you may want to copy over the template from your current blog to ensure that both blogs are the same. You may also need to change your widgets to ensure that they work properly.

After completing the above steps you have now created a development blog that you can use to test out new template designs, publish your posts to see how they look without impacting your visitors.


Summary

Creating a separate development blog is a must for people like to incorporate feature in their Blogger template, it will allow you to test out design changes to your blog without affecting your production blog. I have read many times about someone changing their CSS and then their template becomes “broken”. If they had a development blog, they could easily make the changes, and if something went wrong, they could simply copy the template from their production blog and start over.

I’m curious if you have a development blog, or have developed a process for updating your blog. Let me know in the comments.

Adding Google Adsense Ads Code Directly to Blogger XML Template

Advanced users of Blogger.com service may have tried to insert and put Google AdSense ad code which is actually a Java script directly into the blog pages by manually editing the XML-based template HTML coding interface. Actually, it’s possible add any ad code by using HTML/JavaScript page element within the Blogger new XML template system, but the place where you can place the new block is rather limited, i.e. above or below the post body, header, footer, within sidebar or between blog posts. In case you want to put the ads inside the post, or align the ads to float and wrap around the text, or just within the single individual article content view, you will have to edit directly the HTML coding of Blogger template.

If you try to insert any Google AdSense, AdBrite, AdEngage and any other JavaScript based ad code, or client-side components such as counter, tracker, form, snippet, effect, date and time, etc which is JavaScript based, the following error message may be returned when saving ore previewing:


Your template could not be parsed as it is not well-formed. Please make sure all XML elements are closed properly. XML error message: The processing instruction target matching “[xX][mM][lL]” is not allowed.

or

Your template could not be parsed as it is not well-formed. Please make sure all XML elements are closed properly.
XML error message: The reference to entity “zs” must end with the ‘;’ delimiter.

and many other different XML error message.

The problem is caused by incorrect dynamic interpretation of Blogger XML template when it generates the HTML webpage for the blog page that is requested, probably due to the fact that the AdSense ad code or other code is not a valid XML, coupled with the fact that some ASCII characters have special meaning and reserved functions, confusing Blogger blogging engine.

The resolution to the JavaScript based coding does not work in Blogger HTML template error can be solved by replacing special characters or symbols in the script to HTML code. Check out the list below for which ASCII characters that need to be replaced with their corresponding HTML code. Using HTML code will ensure that Blogger render the character correctly when serving the page to the viewer.

< = &lt;
> = &gt;

Above two is enough to make Google AdSense works in Blogger template. For other scripts, such as AdBrite ad code, you will need to replace more characters such as those listed below.

& = &amp;
” = &quot;

For example, a Google AdSense code should become looks similar to code below:

&lt;script type="text/javascript"&gt;&lt;!--
google_ad_client = "pub-XXXXXXXXXXXXXXX";
google_ad_width = 336;
google_ad_height = 280;
google_ad_format = "336x280_as";
google_ad_type = "text_image";
google_ad_channel = "";
google_color_border = "FFFFFF";
google_color_bg = "FFFFFF";
google_color_link = "000000";
google_color_text = "000000";
google_color_url = "000000";

//--&gt;&lt;/script&gt;
&lt;script type="text/javascript"
src="http://pagead2.googlesyndication.com/pagead/show_ads.js"&gt;
&lt;/script&gt;

While an AdBrite ad code will became the similar code to the below:

&lt;script type="text/javascript"&gt;
var AdBrite_Title_Color = '0000FF';
var AdBrite_Text_Color = '000000';
var AdBrite_Background_Color = 'FFFFFF';
var AdBrite_Border_Color = 'FFFFFF';
&lt;/script&gt;
&lt;script src="http://ads.adbrite.com/mb/text_group.php?sid=303771&amp;zs=3330305f323530" type="text/javascript"&gt;&lt;/script&gt;
<div><a target="_top" href="http://www.adbrite.com/mb/commerce/purchase_form.php?opid=303771&amp;afsid=1" style="font-weight:bold;font-family:Arial;font-size:13px;">Your Ad Here</a></div>

Simply use the text editor to parse the code and then replace the characters. Don’t worry about violating AdSense TOS or other terms and conditions, as once the blog’s web pages are rendered and presented to the viewers and visitors, the code will be exactly same as the original code before any replacement!

Google Wave : see The Future of Web Communication

Google announced on May 28th a new, experimental idea aiming to reshape the future of communication on the web. It's called Wave, and if you believe its developer, it's "what email would look like if it were invented today." It's also going to be totally open source. Intrigued?

Google Wave
Primarily, Wave is about improving real-time communication on the web. I've been waiting all day for Google to upload the video promised on the Wave homepage, but since it's still not there, here's the skinny from Google's mouth:

What is a wave?

A wave is equal parts conversation and document. People can communicate and work together with richly formatted text, photos, videos, maps, and more.

A wave is shared. Any participant can reply anywhere in the message, edit the content and add participants at any point in the process. Then playback lets anyone rewind the wave to see who said what and when.

A wave is live. With live transmission as you type, participants on a wave can have faster conversations, see edits and interact with extensions in real-time.


Wave Real Time CollaborationPretty broad, right? Wave is clearly something we'll need to see in action and, even better, use before we completely understand how it works. Like email, Wave has been developed as a standard that will be able to run on any server, so it won't belong to Google. Anyone will be able to run their own "wave," and that wave can compete with Google or do whatever it wants to. But since it's created as a standard protocol, different waves can talk to and understand each other.

Here's how it works: In Google Wave you create a wave and add people to it. Everyone on your wave can use richly formatted text, photos, gadgets, and even feeds from other sources on the web. They can insert a reply or edit the wave directly. It's concurrent rich-text editing, where you see on your screen nearly instantly what your fellow collaborators are typing in your wave. That means Google Wave is just as well suited for quick messages as for persistent content — it allows for both collaboration and communication. You can also use "playback" to rewind the wave and see how it evolved.


Some key technologies in Google Wave

Real-time collaboration Natural language tools Extending Google Wave

Concurrency control technology lets all people on a wave edit rich media at the same time.

Watch the tech video

Server-based models provide contextual suggestions and spelling correction.

Watch the tech video

Embed waves in other sites or add live social gadgets, thanks to Google Wave APIs.

GroupWise GWIA 420 TCP Read and TCP Write Error

A customer Penang was recently replacing their Sendmail to GroupWise 8.0. However for the past one month, they are facing problem sending email to certain users of certain email domains where they had no problem sending with Sendmail before.

We are seeing some 420 TCP Read Error, 420 TCP Write error and also TCP 421 Timeout error in the GWIA logs. The followings were the errors from the GWIA logs :-

[Winwamedical.com]
16:00:13 896 MSG 58050 Command: [202.75.48.118]
16:00:13 896 MSG 58050 Response: 220 smtp1.mschosting.com
16:00:13 896 MSG 58050 Command: EHLO mail.sunrisepaper.com.my
16:00:13 896 MSG 58050 Response: 250 ok
16:00:13 896 MSG 58050 Command: MAIL FROM:
16:00:13 896 MSG 58050 Response: 250 OK Sender ok
16:00:13 896 MSG 58050 Command: RCPT TO:
16:00:13 896 MSG 58050 Response: 250 OK Recipient ok
16:00:13 896 MSG 58050 Command: DATA
16:00:13 896 MSG 58050 Response: 354 Start mail input; end with .
16:00:13 896 MSG 58050 Detected error on SMTP command
16:00:13 896 MSG 58050 Command: Data...
16:00:13 896 MSG 58050 Response: 420 TCP write error

[Escatec.com]
16:41:20 880 MSG 58121 File: /root/sunriseEmail/sunDom/wpgate/gwia/wpcsout/gwi3f3a/4/4a118fb0.000 Message Id: (4A112097.908:101:48786) Size: 86.5 Kb
16:41:20 880 MSG 58121 Sender: alicia_chua@sunrisepaper.com.my
16:41:20 880 MSG 58121 Converting message to MIME: /root/sunriseEmail/sunDom/wpgate/gwia/send/xa118fb0.024
16:41:20 880 MSG 58121 Recipient: Saravana@escatec.com
16:41:20 880 MSG 58121 Recipient: Yeoh.KengHong@escatec.com
16:41:20 880 MSG 58121 Queuing message to daemon: /root/sunriseEmail/sunDom/wpgate/gwia/send/sa118fb0.024
16:41:20 352 DMN: MSG 58121 Sending file: /root/sunriseEmail/sunDom/wpgate/gwia/send/pa118fb0.024
16:41:22 352 DMN: MSG 58121 Attempting to connect to mailserver.escatec.com
16:41:23 352 DMN: MSG 58121 Connected to [203.106.231.124] (mailserver.escatec.com)
16:47:25 352 DMN: MSG 58121 SMTP session ended: [203.106.231.124] (mailserver.escatec.com)
16:47:25 352 DMN: MSG 58121 Send Failure: 420 TCP write error
16:47:32 896 MSG 58121 Analyzing result file: /root/sunriseEmail/sunDom/wpgate/gwia/result/ra118fb0.024
16:47:32 896 MSG 58121 Command: escatec.com
16:47:32 896 MSG 58121 Response: 220 escatec.com [ESMTP Server] service ready;ESMTP Server; 05/18/09 16:45:04
16:47:32 896 MSG 58121 Command: EHLO mail.sunrisepaper.com.my
16:47:32 896 MSG 58121 Response: 250 ok
16:47:32 896 MSG 58121 Command: MAIL FROM:
16:47:32 896 MSG 58121 Response: 250 Sender OK
16:47:32 896 MSG 58121 Command: RCPT TO:
16:47:32 896 MSG 58121 Response: 250 Recipient OK
16:47:32 896 MSG 58121 Command: RCPT TO:
16:47:32 896 MSG 58121 Response: 250 Recipient OK
16:47:32 896 MSG 58121 Command: DATA
16:47:32 896 MSG 58121 Response: 354 Start mail input; end with .
16:47:32 896 MSG 58121 Detected error on SMTP command
16:47:32 896 MSG 58121 Command: Data...
16:47:32 896 MSG 58121 Response: 420 TCP write error
16:47:32 896 MSG 58121 Deferring message: /root/sunriseEmail/sunDom/wpgate/gwia/defer/sa118fb0.024

[kingston.com.my]
10:51:26 184 Queuing deferred message: /root/sunriseEmail/sunDom/wpgate/gwia/send/sa113669.006
10:51:26 184 MSG 57671 Analyzing result file: /root/sunriseEmail/sunDom/wpgate/gwia/result/ra1133ec.002
10:51:26 184 MSG 57671 Command: kingston.com.my
10:51:26 184 MSG 57671 Response: 220 MYMF1 ESMTP SonicWALL (7.0.0.1393)
10:51:26 184 MSG 57671 Command: EHLO mail.sunrisepaper.com.my
10:51:26 184 MSG 57671 Response: 250 ok
10:51:26 184 MSG 57671 Command: MAIL FROM:
10:51:26 184 MSG 57671 Response: 250 2.1.0 MAIL ok
10:51:26 184 MSG 57671 Command: RCPT TO:
10:51:26 184 MSG 57671 Response: 250 2.0.0 Ok
10:51:26 184 MSG 57671 Command: RCPT TO:
10:51:26 184 MSG 57671 Response: 250 2.0.0 Ok
10:51:26 184 MSG 57671 Command: DATA
10:51:26 184 MSG 57671 Response: 354 3.0.0 End Data with .
10:51:26 184 MSG 57671 Detected error on SMTP command
10:51:26 184 MSG 57671 Command: Data...
10:51:26 184 MSG 57671 Response: 421 4.0.0 Error: timeout
10:51:26 184 MSG 57671 Deferring message: /root/sunriseEmail/sunDom/wpgate/gwia/defer/sa1133ec.002

We knew that these errors were due to communication issues, but we did whatever we could based on Novell Support Knowledgebase and even User Support Forums. Things remained rotten until we logged a support incident with Novell Technical Support.

The Novell Technical Support's Chat feature was awesome. From the Novell Customer Center, you can access the Chat feature in the Service Request Details page and a product related Technical Support Engineer will assist you.

Since it's a communication issue, the only way to find out the root of the problem is to packet trace the whole email sending process. We installed Ethereal on the SUSE Linux Enterprise Server 10 SP2 which powered the GroupWise system and start capturing packet trace sending emails to those three users domains.

Within a day or two, Novell Technical Support come back with the root cause of the problem and the solution. The suggested solution rocks and emails went through to those users. Apparently it was due to some Path MTU Discovery where the server does not receive the ICMP3-4 from routers that are connected to a link with a smaller MTU. By disabling the Path MTU Discovery on the SLES 10, it resolved the issues.

To Disable Path MTU Discovery
# 'sysctl -w net.ipv4.ip_no_pmtu_disc=1'

To Disable the Path MTU Discovery permanently
Put the line 'net.ipv4.ip_no_pmtu_disc = 1' (without quotes) in /etc/sysctl.conf to keep this setting configured after a server reboot.


The following is the original message from Novell Technical Support explaining the roof of the problem and the suggested solutions :-

I just picked up your Service Request from the unassigned queue and checked the problem description from the customer and the LAN trace called PACKETTRACE from the compressed archive PACKETTRACE.TAR.GZ that is attached to the Service Request.

If you have Ethereal or Wireshark installed, you can open the trace and follow my analyses below:

The trace shows two problems:

1) Path MTU Discovery - Server does not receive ICMP 3-4 (Destination Unreachable / Fagmentation Needed and DF Set) from routers that are connected to a link with a smaller MTU.

A SMTP connection, where the GWIA fails to deliver a mail message to recipient JulianaChooi@kingston.com.my because of this problem is the TCP connection between sockets 192.168.1.254:51064 (GWIA) and 202.188.165.2:25 (mailer daemon at mymf1.kingston.com.my).

You can extract this connection and all ICMP messages from the trace in Wireshark or Ethereal with the following display filter:

(ip.addr==192.168.1.254 && ip.addr==203.106.231.124 && tcp.port==55400 && tcp.port==25) || icmp

In frames #9438, #9446 and # 9447 you can see the initiation of the SMTP connection. In the TCP options of the SYN packets you can see that the TCP at each side negotiated a Maximum Segment Size of 1460 bytes.

The trace was captured at the GWIA host at IP address 192.168.1.254) and the remote SMTP server at IP address 203.106.231.124 seems to be 10 routers away from the GWIA.

Communication between the two TCP ends works well until the TCP at 192.168.1.254 sends a full data segment of 1448 bytes to 203.106.231.124 in frame #9484. The TCP at 203.106.231.124 never ACKnowledges income of this data segment, probably because it never received it. You can see in frame #9483 the last data segment that the TCP at 192.168.1.254 received from the TCP at 203.106.231.124 before the problem occurs. The sequence number of the first byte in this segment is 3246232251 and because it carries 46 bytes of data, the sequence number of the last byte in this segment is 3246232296 and hence the TCP at 192.168.1.254 would return ACKnowledgment number 3246232297 to confirm receipt of this segment.
You can see in frame # 9484 the full data segment that is sent by the TCP at 192.168.1.254. As you can see, the ACKnowledgment number in this segment is 3246232297 to confirm receipt of the segment in frame # 9483, and the sequence number of the first data byte in this segment is 4130583027. The total number of bytes in this segment is 1448 and hence the sequence number of the last byte in this segment would be 4130584474, so the TCP at 203.106.231.124 would return ACKnowledgment number 4130584475 to confirm receipt of this segment. Please note that this is the first fully sized TCP segment that was sent on this connection from the TCP at 192.168.1.254 to the TCP at 203.106.231.124.
In frame # 9485, the TCP at 192.168.1.254 continues transmission with a small segment of only 16 bytes.
Because the TCP at 192.168.1.254 does not receive an ACKnowlegment from the TCP at 192.168.1.254 that it received these two segments, it starts retransmitting the full segment in frames # 9530 and # 9561.
Frame # 9635 shows that the TCP at 203.106.231.124 still did not receive the full TCP segment from 192.168.1.254. It retransmitted its data, because it did not receive ACKnowledgment for it (the ACKnowledgment number is in the full segment from the TCP at 192.168.1.254). Another prove that it did not receive the full segment is that the ACKnowlegment number in the retransmitted TCP segment in frame # 9635 remains 4130583027. The TCP at 203.106.231.124 would have increased the ACKnowledgment number to 4130584475 if it had received the full segment from the TCP at 192.168.1.254.

The Don't Fragment flag in the IP header of the datagram in frame # 9484 is set, to indicate that routers are not supposed to fragment it when they need to forward the IP datagram on to a link with a smaller MTU (Maximum Transmission Unit).
A router should return an ICMP 3-4 message when it drops a datagram that is too big to forward and should be fragmented, but has the Don't Fragment flag enabled.
Because the trace does not show such ICMP message, it is either not sent by a router in the network path from 192.168.1.254 to 203.106.231.124 or it has been blocked by a firewall.

Please make sure that routers in the network path from 192.168.1.254 to 203.106.231.124 will send ICMP 3-4 messages in case they need to forward a datagram where the DF bit is set, while it needs to be fragmented to fit the MTU of the next link in the network path and make sure that firewalls do not block ICMP messages of type 3, code 4.

In case you cannot change router and firewall configuration in your network, then you can disable Path MTU Discovery at the GWIA host (192.168.1.254) per '# sysctl -w net.ipv4.ip_no_pmtu_disc=1'. Please do not forget to put the line 'net.ipv4.ip_no_pmtu_disc = 1' (without quotes) in /etc/sysctl.conf to keep this setting configured after a server reboot.


Kudos to the Novell Technical Support team for a great job to get the problem solved.

Partner Promotions for the GroupWise Competitive Campaign

About 4 weeks ago the GroupWise team announced the GroupWise Competitive Upgrade Campaign (Tradeup). We have seen some good uptake and succes. We have a lot of new very large prospective customers, which our sales guys are still working through. What we didn't give a lot of details on were the equally exciting offers from many of our partners, that go hand in hand with this campaign.

If you are a Channel partner that has a new GroupWise prospect, or a customer looking to take advantage of the campaign directly here are the current offers available to you. Firstly, the Novell offer again:

The Competitive Upgrade allows you to get GroupWise licenses for free, with the purchase of 1 year of priority 24x7 maintenance. Anyone with anything other than GroupWise is eligible. That means Exchange, Notes, Sun iPlanet, Zimbra, Scalix, Tobit David, Mirapoint, Sendmail, Postfix, Cyrus, IMAPD, Hotmail, OpenXchange, Gmail, a local ISP, MSN, Yahoo, FirstMail, SquirrelMail.....the list goes on. This means that the list price of GroupWise comes down to $36. This also includes existing GroupWise customers that are also running something else on their network - you can consolidate to GroupWise using this offer.

On the back of that offer our partners offered their own campaign pricing:
Advansys are offering 20% off any Advansys product with the purchase of upgrade protection. They also have a $1000 discount on consulting services

Brainstorm are offering 30% off the first year of their eLearning product, and 10-15% off training services.

GroupLink are offering unlimited end-user licenses and 2 free technician licenses of their eHelpdesk product as well as 20 free licenses of the ContactWise CRM

GWAVA offer 6 months of Vertigo for free, as well as a minimum 25% discount on other products.

Messaging Architects are giving away M+ Archive to new GroupWise customers with 200 users or less, and everyone else can get it for $20 per mailbox.

With Notify Corp you can get their service for 1/2 list price for the first 12 months. This includes their support of the iPhone of course.

SEP offer free SEP sesam GroupWise Online module with the purchase of Update Services, and 10% off other products

SkyPro matched the Novell offer for FaxGWise, free license with the purchase of upgrade protection, and also 50% off their GroupWise integrated VOIP solution.

Sonian are giving a 25% off the first year of service of their hosted archive solution, as well as competitive pricing on their email migration services.

Toffa are giving new customers a free standard account, as well as 20% off premium accounts, until the end of this month. This service also supports the iPhone, and is available in iTunes

Transend are offering their anything-GroupWise migration tool to any customer taking advantage of the Novell offer for a fixed price of $2.90 per mailbox, no matter how many or how few mailboxes are being migrated to GroupWise. It supports lots of foreign mail systems, as well as generic IMAP. This includes upgrade protection and support. Contact Transend directly and quote the Novell promo

You can see more details of the partners and their offers here

Bank Average Fixed Deposit Rates Since Year 1980

This is the average of the fixed deposit rate in Malaysia from the period of 1980 till 2009.

Period (in months)
Average Fixed Deposit Rates 1 3 6 9 12
1980 6.13 6.23 6.54 6.79 7.50
1981 9.46 9.68 9.67 9.73 9.94
1982 8.92 9.75 9.94 10.03 10.48
1983 7.50 8.02 8.29 8.38 8.75
1984 9.17 9.50 9.50 9.53 9.62
1985 8.45 8.81 9.04 9.25 9.29
1986 7.04 7.08 7.17 7.42 7.42
1987 2.56 3.00 3.97 4.31 4.50
1988 2.72 3.29 3.57 3.83 4.24
1989 4.47 4.56 4.77 4.98 5.20
1990 5.55 5.72 6.00 6.01 6.21
1991 6.94 7.11 7.27 7.35 7.48
1992 7.85 7.94 7.97 7.98 8.03
1993 7.01 7.03 6.98 6.96 6.95
1994 4.74 4.89 5.09 5.24 5.46
1995 5.79 5.93 6.14 6.28 6.50
1996 7.02 7.09 7.12 7.14 7.18
1997 7.73 7.78 7.80 7.81 7.83
1998 8.40 8.51 8.54 8.53 8.56
1999 4.10 4.12 4.16 4.21 4.29
2000 3.31 3.36 3.44 3.62 4.06
2001 3.36 3.37 3.40 3.53 4.16
2002 3.20 3.21 3.22 3.31 4.00
2003 3.07 3.07 3.08 3.12 3.80
2004 3.00 3.00 3.00 3.01 3.70
2005 3.00 3.00 3.00 3.01 3.70
2006 3.09 3.15 3.26 3.35 3.74
2007 3.09 3.16 3.31 3.41 3.71
2008 3.07 3.13 3.26 3.33 3.68


This is the monthly breakdown the fixed deposit rate in Malaysia from the period of 1997 till 2009.



Period (in months)
Average Fixed Deposit Rates 1 3 6 9 12
1997 7.16 7.22 7.24 7.24 7.26

7.14 7.22 7.23 7.23 7.25

7.20 7.24 7.24 7.24 7.25

7.20 7.25 7.24 7.25 7.26

7.30 7.30 7.28 7.28 7.30

7.54 7.43 7.37 7.36 7.38

8.05 7.73 7.56 7.52 7.52

7.46 7.54 7.56 7.56 7.56

7.59 7.69 7.74 7.75 7.79

8.39 8.56 8.71 8.74 8.77

8.92 9.08 9.18 9.23 9.26

8.81 9.06 9.21 9.27 9.33
1998 8.86 9.09 9.25 9.30 9.36

9.25 9.46 9.57 9.62 9.67

9.56 9.79 9.84 9.84 9.90

9.65 9.89 9.99 9.97 10.03

9.79 10.00 10.10 10.07 10.14

10.04 10.19 10.21 10.18 10.24

10.14 10.27 10.28 10.24 10.28

9.54 9.50 9.51 9.45 9.46

6.19 6.17 6.13 6.12 6.13

6.09 6.09 6.04 6.01 6.02

5.87 5.88 5.80 5.78 5.79

5.82 5.83 5.76 5.74 5.74
1999 5.72 5.72 5.67 5.66 5.66

5.58 5.59 5.54 5.53 5.54

5.39 5.44 5.42 5.40 5.40

3.99 4.00 4.04 4.05 4.06

3.75 3.75 3.77 3.78 3.80

3.75 3.75 3.76 3.78 3.80

3.75 3.75 3.76 3.78 3.79

3.75 3.75 3.76 3.77 3.79

3.75 3.75 3.76 3.77 3.79

3.24 3.33 3.47 3.67 3.93

3.24 3.33 3.46 3.67 3.93

3.24 3.33 3.47 3.68 3.95
2000 3.23 3.31 3.44 3.65 3.94

3.22 3.29 3.39 3.58 3.94

3.22 3.28 3.37 3.55 3.91

3.21 3.26 3.34 3.52 3.91

3.21 3.26 3.33 3.51 3.91

3.20 3.26 3.33 3.50 3.91

3.20 3.26 3.33 3.51 3.90

3.45 3.49 3.55 3.75 4.25

3.45 3.49 3.55 3.75 4.25

3.45 3.49 3.55 3.74 4.25

3.45 3.48 3.54 3.73 4.25

3.45 3.48 3.50 3.70 4.24
2001 3.44 3.47 3.52 3.69 4.24

3.44 3.47 3.52 3.67 4.24

3.44 3.46 3.50 3.63 4.24

3.44 3.45 3.49 3.62 4.24

3.44 3.45 3.48 3.61 4.24

3.44 3.45 3.48 3.61 4.24

3.44 3.45 3.48 3.61 4.24

3.44 3.45 3.48 3.60 4.24

3.20 3.21 3.23 3.34 4.00

3.20 3.21 3.22 3.35 4.00

3.20 3.21 3.22 3.34 4.00

3.20 3.21 3.22 3.34 4.00
2002 3.20 3.21 3.22 3.34 4.00

3.20 3.21 3.22 3.32 4.00

3.20 3.21 3.22 3.32 4.00

3.20 3.21 3.22 3.32 4.00

3.20 3.21 3.22 3.31 4.00

3.20 3.21 3.22 3.31 4.00

3.20 3.20 3.22 3.31 4.00

3.20 3.20 3.22 3.30 4.00

3.20 3.20 3.22 3.30 4.00

3.20 3.20 3.22 3.30 4.00

3.20 3.20 3.22 3.30 4.00

3.20 3.20 3.21 3.28 4.00
2003 3.20 3.20 3.21 3.28 4.00

3.20 3.20 3.21 3.28 4.00

3.20 3.20 3.21 3.28 4.00

3.20 3.20 3.21 3.28 4.00

3.00 3.00 3.01 3.04 3.69

3.00 3.00 3.01 3.04 3.70

3.00 3.00 3.01 3.04 3.70

3.00 3.00 3.01 3.04 3.70

3.00 3.00 3.01 3.04 3.70

3.00 3.00 3.01 3.04 3.70

3.00 3.00 3.01 3.03 3.70

3.00 3.00 3.01 3.03 3.70
2004 3.00 3.00 3.01 3.03 3.70

3.00 3.00 3.01 3.03 3.70

3.00 3.00 3.00 3.02 3.70

3.00 3.00 3.00 3.02 3.70

3.00 3.00 3.00 3.01 3.70

3.00 3.00 3.00 3.01 3.70

3.00 3.00 3.00 3.01 3.70

3.00 3.00 3.00 3.00 3.70

3.00 3.00 3.00 3.00 3.70

3.00 3.00 3.00 3.00 3.70

3.00 3.00 3.00 3.00 3.70

3.00 3.00 3.00 3.00 3.70
2005 3.00 3.00 3.00 3.00 3.70

3.00 3.00 3.00 3.00 3.70

3.00 3.00 3.00 3.00 3.70

3.00 3.00 3.00 3.00 3.70

3.00 3.00 3.00 3.00 3.70

3.00 3.00 3.00 3.00 3.70

3.00 3.00 3.00 3.00 3.70

3.00 3.00 3.00 3.00 3.70

3.00 3.00 3.00 3.00 3.70

3.00 3.00 3.00 3.00 3.70

3.00 3.00 3.00 3.00 3.70

3.01 3.02 3.04 3.08 3.70
2006 3.00 3.03 3.05 3.09 3.70

3.02 3.04 3.07 3.11 3.70

3.03 3.06 3.11 3.16 3.70

3.06 3.12 3.21 3.31 3.73

3.11 3.17 3.31 3.44 3.76

3.11 3.18 3.32 3.45 3.77

3.12 3.19 3.34 3.48 3.78

3.12 3.19 3.34 3.48 3.77

3.13 3.21 3.36 3.49 3.77

3.13 3.21 3.36 3.49 3.76

3.11 3.20 3.35 3.47 3.75

3.11 3.19 3.34 3.46 3.73
2007 3.08 3.15 3.34 3.45 3.72

3.11 3.19 3.34 3.45 3.71

3.10 3.18 3.34 3.45 3.71

3.10 3.18 3.33 3.43 3.71

3.10 3.18 3.32 3.42 3.71

3.09 3.17 3.32 3.42 3.71

3.08 3.15 3.29 3.38 3.70

3.08 3.15 3.29 3.38 3.70

3.08 3.15 3.29 3.38 3.70

3.08 3.15 3.29 3.38 3.70

3.08 3.15 3.29 3.38 3.70

3.08 3.15 3.29 3.38 3.70
2008 3.08 3.15 3.29 3.38 3.70

3.08 3.14 3.28 3.37 3.70

3.08 3.14 3.28 3.37 3.70

3.08 3.14 3.28 3.37 3.70

3.08 3.14 3.28 3.36 3.70

3.08 3.14 3.28 3.36 3.70

3.08 3.14 3.28 3.36 3.70

3.08 3.14 3.28 3.36 3.70

3.08 3.14 3.28 3.36 3.70

3.08 3.14 3.28 3.36 3.70

3.03 3.06 3.16 3.22 3.60

3.01 3.04 3.11 3.14 3.50
2009 2.54 2.54 2.56 2.57 3.02

2.05 2.07 2.07 2.08 2.55

2.00 2.10 2.10 2.10 2.50

2.00 2.10 2.10 2.10 2.50

2.00 2.10 2.10 2.10 2.50


The highest one year fixed deposit rate is 10.48% in the year 1982. The lowest fixed deposit rate should be year 2009 which is around 2.0% now. May be by knowing this fact, we can make a wiser decision making on our investment strategy.

What is in your mind after knowing that year 2009 fixed deposit rate is the lowest since year 1980 ?

Meet Moblin - see the Future of Mobile Computing

Following Novell and Intel’s recent collaboration agreement to advance Moblin, the progress continues. At May 19th 2009, Intel and the Linux Foundation announced a technology preview of the Moblin v2.0 beta, including the Moblin User Interface (UI) that is optimized for netbooks. In doing so, Intel and the Linux Foundation are unveiling several new open source projects that constitute a new user experience. Get a first look at Moblin v2.0 here.

The beta release and packages will also conveniently be made available at openSUSE, giving the openSUSE community members a front row seat to check out the new user interface and all the functionality on top of openSUSE 11.1. (Caution: This is not a final release, and should be considered a technology preview only. You should install this release only on a testing machine. This will delete all data on the target machine’s hard drive.)

Novell has worked closely with Intel to bring this innovative and completely new user experience to customers, developing e-mail, windows management and multi-media applications optimized to run on netbooks with Moblin v2. In fact, the Moblin operating system has been designed from the ground-up to meet the demands of today’s mobile computing users and it’s perfectly tailored to the netbook form factor.

With this visually interesting, highly discoverable and intuitive user interface, Moblin promises to change the face of desktop computing. To see more Moblin, check out these screenshots of this revolutionary desktop interface.

The m_Zone The m_Zone Explained

The ToolbarThe Toolbar - Active

The System Info PanelThe People Panel

The Internet PanelThe Media Panel

The PastBoard PanelThe Application Panel

The Zones PanelThe Network Panel

Amanah Saham Wawasan (ASW) 2020 and Amanah Saham Malaysia (ASM) Dividend Rate

ASW 2020 and ASM Dividend Comparison Chart

ASW 2020 and ASM Dividend Rate Comparison

This is the latest PNB unit trust Amanah Saham Wawasan 2020 and Amanah Saham Malaysia dividend rate comparison chart. ASW 2020 announced the 7% dividend of Amanah Saham Wawasan 2020 for the year of 2008. The dividend rate is 0.8% lower than ASM 7.8%.

It seems that the maximum unit trust dividend rate from PNB for the ASW 2020 and ASM is 8 percent based on the past few years statistic. However the dividend rate is still higher than the fixed deposit rate. It is still wise invest in this fixed price unit trust scheme from PNB.

Dividend Rate :-

Year
Amanah Saham Wawasan 2020
(ASW 2020)
Amanah Saham Malaysia
(ASM)
1999
10.20-
20008.80-
2001 7.257.80
2002 7.257.00
20036.606.60
20047.007.00
20057.107.20
2006
6.806.75
2007
8.006.80
2008
7.007.80
2009
Aug 2009
6.25

Novell GroupWise 8 Vs Microsoft Exchange Server 2007

Facts about Microsoft Exchange 2007

1: The Infrastructure

First up, the infrastructure: Exchange 2007 requires Active Directory. It requires that all users be in Active Directory before they can be Exchange users. This is unlike GroupWise 8, which requires eDirectory only for management - users do not need to be in eDirectory. (eDirectory can be installed on any SUSE Linux, Windows or NetWare box where GroupWise is running.) Therefore, if you do not have Active Directory fully deployed with all users in it, you will need to build Active Directory. This will require servers, the number of which depends upon the size of your organization. As part of this cost, you will need Windows 2003 servers and a Client Access License (CAL) for each user in Active Directory. Consider this and the costs.


2: x64-bit Hardware

Second, Exchange 2007 requires x64-bit hardware. This is unlike GroupWise, which can run on any x32-bit server and has the same, if not better, performance. Now most hardware in the last few years has x64 ability. But you cannot just install Exchange on your existing servers where file/print and other services are running. You first have to decide, again based upon the size of your organization, just how you will deploy Exchange. You see, with Exchange 2007 there are new Server Roles.

Exchange Server Roles

The server roles are:

1. Client Access role - acts as a proxy for Internet traffic in order to direct mail to the proper mailbox server. It handles Outlook Web Access services and mobility.

2. Mailbox role - acts as the host for user mailboxes, and core services.

3. Hub Transport role - acts as the "air traffic controller" for all internal messages between all server roles, or even between users in the same mailbox database. Message policy is enforced for all internal/external messaging, and all messages flow through this server.

4. Unified Messaging role - acts as the portal to PBX integration for all voice/fax messaging, including voice dial-in functions (only if you purchase the addition Enterprise Licensing for Exchange 2007).

5. Edge Transport role - acts as the border security to the Exchange 2007 system. This server is deployed outside the internal network, possibly in the DMZ. Typically, anti-virus/anti-Spam and links to Exchange Host Filtering are performed by this server. It cannot be deployed on the same server as the other server roles (only if you purchase the addition Enterprise Licensing for Exchange 2007).

The Mailbox server is the one server, similar to a post office in GroupWise 8, that requires special treatment for design. The number and size of databases, as well as storage, processing power and RAM, are important in order to get best performance.

The other servers do require consideration. The Hub transport is a single point of failure in an Exchange 2007 system, so providing redundancy is important. Just so you know, the Hub Transport is like a Routing Domain in GroupWise 7 - something we rarely use, because it's a single point of failure. In Exchange 2007, it's a place where policies can be applied. Users that are online with Outlook can directly access the mailbox server without the Hub Transport. Also, if you are a small organization, all three server roles may run on one server. Consider the cost of the hardware, multiple processors, large amount of RAM, etc., that you will need to support these server roles.


3. Operating System

Third on my list is the operating system. Exchange 2007 requires Windows 2003 R2 Server x64 for EACH server role. GroupWise 7 requires NetWare, or SUSE Linux, or Windows 2000/3 server. By the way, GroupWise 7 ships with all the SUSE Linux you can use for free, if GroupWise is running on it.

There are two versions of Windows 2003 R2 Server: Standard and Enterprise. Standard Edition supports 4-way symmetrical multiprocessing, while Enterprise Edition supports 8-way symmetrical multiprocessing. Standard Edition supports up to 4GB of RAM, while Enterprise supports up to 64GB of RAM. Standard is considered for work group or small organizations, whereas enterprise is for ... well, enterprise environments and applications. Therefore, you will have to purchase the Enterprise Edition of Windows 2003 R2 Server for Mailbox Server Roles in all but small environments. The other server roles can work fine with Standard Edition Windows 2003 R2 Server. But if you want to cluster any server role, Enterprise Edition is a must. Consider the cost of which Windows 2003 R2 Server Edition you will need.


4. Exchange 2007 Server Licenses

OK, let's get to number four on the list, Exchange 2007 Server Licenses. This is where things get interesting. You must purchase a server license for each Windows 2003 R2 Server that will run Exchange. GroupWise 8 licensing allows you to install on any number of servers, to infinity. And to make things more difficult, there are two editions of Exchange 2007 Server: Standard and Enterprise.

The Standard Exchange 2007 server edition is designed for small- to medium-sized organizations, whereas the Exchange 2007 Enterprise server edition is designed for large organizations. Exchange 2007 Standard allows for up to 5 Storage Groups and 5 databases per server, while the Exchange 2007 Enterprise version provides for up to 50 Storage Groups and 50 databases per server. If you have 1000+ users, and you are planning for individual mailboxes to grow to 1GB in size or larger, then Enterprise Edition is a must. Now lest you think that all server roles must be Exchange 2007 Enterprise Edition, they do not have to be. The Mailbox server role again is the first likely candidate, because it houses mailboxes (aka, the databases). But the larger the organization, the more redundancy, and the more likely other server roles will require Enterprise Edition Exchange 2007. Consider the cost of each needed Exchange 2007 Server edition.


5. Exchange 2007 CAL's

Number five - I bet you thought we were done, not by a long shot. Once we have hardware, Active Directory, Windows 2003 servers, CAL licenses for Active Directory access, and Exchange Server Licenses, we still need Exchange 2007 CAL's. Yes, that is correct. Not only do you have to purchase Exchange 2007 server, but you must purchase Exchange 2007 CAL for each user that will be in the Exchange 2007 system. And GroupWise 8? Well, GroupWise 8 just requires you to purchase one license for each user in the GroupWise 8 system and no server licenses - and if you use SUSE Linux, as I stated, there's no operating system server licensing. Consider the cost of each Exchange 2007 Client Access License.


6. Outlook 2007 Client

Sixth, you must purchase the Outlook 2007 client! Get this - if you want the full feature set of Exchange 2007, you must purchase Outlook 2007 client. GroupWise 8 client? Well, it's free - just go to: http://download.novell.com and search for GroupWise 8. You can download the client and use it at home as your POP3/IMAP4 client - anyone can! For those organizations that have purchased or will purchase Office 2007, you get Outlook 2007 bundled with it. Or, you can purchase Outlook 2007 as a stand-alone product. Consider Outlook 2007 costs.


7. Optional Exchange 2007 Enterprise CAL

The seventh item is the Exchange 2007 Enterprise CAL. This is optional and an additional cost that provides for Unified Messaging, Firewall, and Antispam services, to name a few things. If you need this, consider this cost per person as well.


Summary of Requirements

Let's summarize to this point:

1. You need Active Directory fully deployed on its own servers with all users added.

2. You need x64-bit hardware.

3. You need Windows 2003 R2 Server x64 Standard or Enterprise operating systems.

4. You need Exchange 2007 Server Standard and/or Enterprise Edition for each Exchange Server Role.

5. You need Exchange 2007 Client Access License for each user in the Exchange 2007 system. You also need a Client Access License for each user in Active Directory.

6. You need the Outlook 2007 client.

7. (Optional) You might want Exchange 2007 Enterprise CAL for Unified messaging, etc.


Counting the Costs

So how does all this look when you add it up with numbers? Good question - let me do just that. Let's assume you have a 5,000 user environment. Let's further assume you have to build the Exchange 2007 from scratch - fresh - because you do if you are migrating from GroupWise OR from Exchange 5.5/2000/2003!

I will not consider any redundancy or clustering. I also will assume you have a SAN already, and all storage will be on the SAN. Another assumption is pricing. I will provide you with MSRP and prices from CDW. What I will not do is consider special volume discounting on either side of the fence - I'd be here all day! So here are a few tables to give you the picture of what it takes to build a brand new Exchange 2007 5000 user system.

Server FunctionNumber NeededHardware Unit PriceHardware Total Price
Active Directory Server2$8,712$17,424
Exchange Client Access Server1$8,712$8,712
Exchange Hub Transport Server1$8,712$8,712
Exchange Mailbox Server3$14,056$42,168
Total Hardware Price..$77,016

Table 1: Exchange 2007 Hardware Costs


ProductsNumber of Licenses RequiredMSRP Per Unit Cost/Total RequiredCDW Per Unit Cost/Total
1 Exchange 2007 Enterprise Server Edition License5$3,999/$19,995$3,932.99/$19,664.95
1 Exchange Standard CAL User License5000$67/$335,000$69.99/$349,950
1 Outlook 2007 Client License5000$109.95/$549,750$84.99/$424,950
1 Windows 2003 Server R2 Standard (x64) Edition License (+ 5 CAL's, 20 CAL's Total)4$999/$3,996$959.99/$3,839.96
1 Windows 2003 Server R2 Enterprise (x64) Edition License (+ 25 CAL's, 75 CAL's Total)3$3,999/$11,997$3,709.99/$11,129.97
1 Windows Server CAL's License (5000 CAL's needed minus 95 CAL's from server licenses)4905$39.95/$195,954.75$29.99/$147,100.95
Total Price .$1,116,692.70$956,635.83

Table 2: Exchange 2007 Licensing Costs


Big numbers for a new system, I would say. And I am sure many of you wonder if you will be getting a raise in pay if your organization is willing to spend this kind of money to change email platforms. Here are a few things I did not include that must be considered:

  • Administrator training must be paid for in order to support the environment.
  • End user training must be provided to teach users how to use a new interface.
  • There are implementation costs, such as hiring a consultant - or several of them.

Costs of a GroupWise 8 Implementation

So, what does it look like if we are implementing GroupWise 8 instead of Exchange 2007? There are the same assumptions as with Exchange 2007 for a 5000 user GroupWise 8 system, new installation. But wait - I will go one better. Let's look at a new GroupWise 8 system running on Windows 2003 R2 Servers versus running on SUSE Linux Enterprise Server 10.

Server FunctionNumber NeededUnit PriceTotal Price
Primary Domain and One Post Office (eDirectory for Management of GroupWise 8)1$8,363$8,363
Post Office Domain and One Post Office1$8,363$8,363
One Post Office2$8,363$16,726
Gateway Domain and One Internet Access and One WebAccess Gateway1$8,363$8,363
Total Hardware Price..$41,815

Table 3: GroupWise 8 Hardware Costs


ProductsNumber of Licenses RequiredMSRP Per Unit Cost/Total RequiredCDW Per Unit Cost/Total
1 GroupWise 8 Full License5000$143/$715,000$119.99/$599,950
1 SUSE 10 Server License5$0$0
Total Licenses/Price.$715,000$599,950

Table 4: GroupWise 8 on Linux Licensing Costs


ProductsNumber of Licenses RequiredMSRP Per Unit Cost/Total RequiredCDW Per Unit Cost/Total
1 GroupWise 8 Full License5000$143/$715,000$119.99/$599,950
1 Windows 2003 Server R2 Standard Edition License (+ 5 CAL's, 20 CAL's Total)5$999/$4,995$959.99/$4,799.95
Total Licenses/Price.$719,995$604,749.95

Table 5: GroupWise 8 on Windows 2003 Server Licensing Costs

As you can see in either case, on Linux or on Windows 2003, GroupWise 8 is less expensive.

Novell is currently running a Trade up Offer for customers till December 2009 who is using competitive collaboration software such as Microsoft Exchange, IBM Lotus Notes, Tobit David or any Open Linux email solution to trade up for implementing Novell GroupWise 8 at only USD 36 per user.

Check out more information at Novell GroupWise Trade up Offer website.


Migrations

What about migrating from Exchange 5.5 to Exchange 2007? How much does that cost? Answer: More than the above numbers, for sure!

In order to migrate from Exchange 5.5 to Exchange 2007, you must first migrate to Exchange 2003. Yes, that's right. There is no "in-place" upgrade. But that's the same for Exchange 2003 to Exchange 2007 - no in-place upgrade. This is due to the changes in the databases and infrastructure of Exchange 2007. In order to migrate from Exchange 5.5 to Exchange 2003 - your first step to get to Exchange 2007 - you must move all users to Exchange 2003. Yes, that means you need to build an Exchange 2003 system for the interim migration, and it must support your environment while in the interim step. This means more hardware.

Once moved to Exchange 2003, you can then move the users to the Exchange 2007 system, the second step. This process is similar to moving mailboxes from post office to post office in GroupWise. It requires each users account to be moved. The good news is that a 3rd party provider - Quest - has a utility that will aid in the migration, at a cost.

This new utility by Quest will migrate directly from Exchange 5.5 to Exchange 2007. The Exchange Migration Wizard by Quest costs $23.67 per mailbox, according to CDW. So if you had to migrate 5000 mailboxes, it would be an additional $118,350 on top of the new Exchange 2007. Of course, I am sure there is discount pricing. The last cost would be consulting fees to migrate your organization, unless your IT team is skilled in migrations and has the time.

And what if you wanted to migrate from Exchange 5.5/2000/2003 to GroupWise 8? It would cost you nothing extra but the consulting fees, if you hired a consultant. The GroupWise 8 Migration Utility for Exchange is free. Simply build the new GroupWise 8 system and migrate the users. You can run multiple instances of the GroupWise 8 Migration Utility for Exchange in order to increase the migration process. As an example, you could have 10 Migration Utilities set up and running each migrating 500 users mailboxes. You could potentially have the migration done in one long week, depending upon the size of user mailboxes, of course. The GroupWise 8 Migration Utility for Exchange runs on a Windows workstation, so you are not limited to just a few servers for the process.


A Bit of Reading for You

First I thought you would appreciate a recent quote from this 2006 article:
http://www.networkworld.com/news/2006/060106-microsoft-exchange.html

"And Microsoft is likely to have a challenge converting users to Exchange 2007. According to Microsoft officials, nearly a quarter of its users migrated off Exchange 5.5 in the past year and either went to Exchange 2003 or to a competing platform. And those users that stayed with Microsoft likely won't be upgrading in the near future even if they have Software Assurance maintenance contracts that provide access to the Exchange 2007 upgrade.

However, last fall, Microsoft said it still had 16% of its installed base on Exchange 5.5, a group that would be prime candidates for an upgrade but are also being tempted by IBM/Lotus, open-source e-mail vendors and others.

The rest of the Exchange user base is spread across Exchange 2000 and 2003."

This article talks about the organizations not being in a hurry to upgrade to Exchange 2007:
http://www.networkworld.com/news/2007/020307-users-analysts-no-rush-to.html

Exchange Product Information:
http://www.microsoft.com/exchange/evaluation/default.mspx


Summary

As you can see, migrating to Exchange 2007 from Exchange 5.5 or GroupWise is a costly venture. And it will be time-consuming as well, not to mention the loss of end- user productivity as users learn a new client. On top of all of this, a truly respectable corporate officer or leader in an organization must ask himself: "Where is the return on investment?"

Now it's not always about money. Sometimes the migrations are about "resume building" for the CIO or Directory of IT or IT Staff, and sometimes it's about business processes such as a crucial application that can link into an email system. But when making a truly honest business decision, it is never justifiable to migrate from any email platform unless you can show good ROI and strong economies of scale. The fact is, less money can be spent to improve the existing system. So, if you find that "In the Air Tonight" a migration is coming, do gather your facts and figures and make an honest, informed decision.

Top 17 Scams in Malaysia

This is an interesting collection of scams from a forumer in LowYat- Stopscam007.

He highlighted a few common scams that are constantly victimizing the innocent out there, but you can rest assure that these are just the tip of the iceberg. Some ‘legit’ pyramid schemes are even allowed to list on the Kuala Lumpur Stock Exchange, so what do you say to that?

Anyway, if you think you would like to protect the money in your wallet and to prevent those hard-earned ringgit from evaporating in schemes like these, the following compilation by Stopscam007 will be a good read.

1) The Cafe Scams - Island Red Cafe & Stevens Corner (strange, both in Pandan Indah) - Island Red Cafe collects members RM6,000 each and promised 5% return every month and even give you a name in the ROC as a shareholder but what’s the point when they run away ? Stevens Corner, the famous indian coffee shop follows due to drop of business since their renovation. They collect RM3,000 per member and promise return of RM150 monthly and plans to open nice fanchisee cafe called StevensTeaGarden. Someone mentioned they will make you sign an agreement that give them the rights NOT to pay you anything in future. If you really wish to join, ask for a copy of their agreement and consult your lawyer BEFORE paying them. Bet you will NOT get a copy. Both collect monies from new members with MLM recruitment schemes and pay the old members like Sunshine Empire. You never know when they will run away.

2) Sunshine Empire - This licensed and legal Company has an impressive office at the ground level of KUB building along Jalan Yap Kwan Seng, near Menara Public Bank and AmBank Building. They also have a showroom office at the ground level in the next building. 2 or 3 months ago, Singapore’s Straits Times and The Paper published big news reminding their people to be careful and NOT to believe in them. Hope someone can put up the link or google for it.(As expected, they STOPPED paying back members now and all investors LOST their money).

Someone below has put a link to the Singapore news. In fact there are more to it. Although Singapore is investigating them, they did not stop their business as the business is legal and so far, no Singaporean have failed to receive their commissions as promised. Thus, the government cannot stop them yet.

The news published that the founder, director and group president is someone named James Phang but he is NOT the owner. Isn’t this quite strange ? At the end of the game, James Phang can just disappear from the Company easily and claimed that he was just “employed”. Such trick always happened in scam businesses.

Now, the Company has STOPPED paying commissions and interests to members with the excuse that the Singapore government has freezed their bank account while under investigation. Do you think their boss will be so stupid to keep much monies in the bank to be freezed ? They are all transfered away. It’s just an excuses not to pay back to members and members are only paid “e-bonus-points” which is cashless. If they wish to convert to cash, they have to recruit new members to pay them cash and the recruiter less out trom the amount. So victims act like Vampires and “forced” to victimise other victims if they wish to get their monies back. And their victims will later transform to vampires and the scam carries on…..

3) MOBILEWALLET - This Company owned by 2 young men, Stanley & Rey Gan, office in Queens Avenue Park has collect multi-millions the last 2 years. Claimed that they tied up with Telekoms, Utility Board payment like Water & Electricity bills, even Maybank got fooled by them. Advertisement Billboards everywhere. They STOPPED paying back their members few months ago and the members cannot do anything because they are made to sign an agreement unaware that they have to claims if the company stopped paying them by CHANGING terms and policies.

4) Water businesses - Oxygenated and alkaline water products - Some of these are bottled water and some are filters or equipment that claimed the trick. One of the better known Company that sold “oxygen” water is SITO (supposed to stand for Selangor International Trading Organiszation and claimed Selangor State Government owned some share in it). The key person and founder is a Dato Robert Ong from Rawang but his name is no longer in the business now. Their products are sold for RM2 to RM3 for a 350ml bottle and now concentrating mostly in the Indian market. Their Chinese and Malays market are long gone since a year or 2 ago. Their customers are made to believe that their water has more oxygen and able to give miraculous effects for the body. Water is H2O, how to put more O into it ? Anyone knows how much oxygen do we breathe into our body everyday at FOC ? Latest news is that this SITO Company is going to create new label to market under a new Company since the SITO name has already gone bad. Someone informed that this Company is owing alot of money(due to refunds) to ex-stockists but just refuse to pay them.
(Latest news, SITO shifted to another place and their MLM business has closed but planning to start again with a different name, beware !!)

Alkaline Products - Can anyone explain how it can work for the body ? The stomach’s gastric liquid is so acidic that water of any pH that goes through it will not make any difference.

5) Car Fuel Booster - K-Link, the famous scam MLM Company that sold the footpatch TAKARA, later the “cock-ring” and energy-card launched the patrol-saving pills last year. Got so hot that even grocery shops are selling for them. Recently many of these cars that used the pills are rushing to the workshops to clean the residual. Few months ago, another MLM Company launched a fuel booster gadget, claimed that saves up to 20% fuel, that is attached to the cigarette lighter. Started off well using binary plan but businese begin to fade now and most users find it NOT effective.

6) Perfumery Products (eg. Lampe Berger & Bel Air). Lampe Berger is not so hot now in the neighbouring countries but there are still new victims every month in Malaysia. Must thanks to those who have contributed and kept the thread alive here in Kopitiam. Bel-Air have closed in Malaysia. LB is almost zero in Singapore. This perfumery product from France with over 100 years history is just bottles and fragrance (check the factory’s website) but the Company marketing them in Asia claimed “aromatheraphy” products. Hong Kong TVB aired a program that exposed their scam but their members claimed that HK’s TVB already apologised to them. Note that the biggest strenght in a MLM Scam is their members will go all way out to lie in order to defend for their Company. The reason is simple; these members fear that they will not be able to make their money back if the Company collapsed. Knowing that the Lampe Berger products are moving slow, they add a line of skincare products named Estebel, also claime to have over 100 years history in France. (Hardly anymore Chinese newcomers, they are now tapping the Malays in Malaysia)

7) Energy Products (eg. stone pendants, bracelets, mattress and pillows). They use all sorts of gimmicks and demonstration to make you into believing them. They will do some tricks and demo to prove that these products really produce energy BUT is there any tricks in their demo ? So what if there really produce energy; is it good or strong enough to help the body ? The effect is actually PLACEBO which I will elaborate in a new thread soon.

8) Hi-Tech products (names like bio-tech, nano-tech that claimed millions of dollars of research involved, eg Bio-Young and XKL few years ago). Most of these will claimed a professor behind them(even with name and picture of a person) or used words like “U.S.A. formula”, “German Technology” or “Nanotechnology” and no further details(more details later). If you ask for more details like the professor or factory’s address, the answer will be “trade secrets”.

9) Investment Schemes - SWISSCASH is the King of all. Swisscash is nearly over now but there are many similar and smaller ones that are still on. (Now, it’s closed or stopped paying back members)

10) GoldQuest - This Company that claimed to be HK-based started with some non-value gold-plated coins that are sold for over RM2,000 have several names and changed products several times. QuestVacation, QuestNet, etc. They have several offices in Amcorp Mall, PJ and their key person(in fact, the owner), a Malaysian Indian was arrested last year in Indonesia for having involved in a very big Phillipines scam. Most of their overseas offices are closed or inactive but their Malaysia business is still hot, with some “energy” products. (Can someone please provide a link which showed the news that their boss was involved in a big scam in Philippines and was arrested in last year ?)

11) Numerology & Fortune telling - A Company named Visiber is using MLM to sell fortune telling classes using your birthday based on Numerology fortune telling. Prospects will be told that they need to buy a certain “number” between 1 to 9 in the form of pendants or bracelets made of stainless steel and sold from RM600 to RM20,000. Customers, or rather victims are mostly females from rural areas. Very hot in Penang now and a number of spin-off Companies have started.

12) MJ-Life - This Company boost of a very big background with many many years of history which is NOT true. Their people or associates may be long in business but nothing to do with their MLM launched recently. Why do I consider it a scam or bad ? New members are told to pay a sum of money (up to RM1,000) and you get NOTHING for it. You only get a membership can entitle you to enjoy all sorts of special price and discounts when you have medical check-ups in their centres. They will claim all those check-ups cost more if done elsewhere. It’s not true. Only the naive and those new to medical check-ups will fall victims to them. Most members who paid the money ended up with nothing.

13) Seaweed Venture Scams - 1 such Company is located in Taman Maluri, Cheras. They will ask you to invest a few thousands ringgits for their venture of growing seaweeds in East Malaysia and you are guaranteed returns. To gain your confidence further, they will tell you your investment money is secured by “insurance” or “unit trusts” & “trustees”. When you ask for further documents to prove, they will give all sorts of excuses or just ignore you because they know they cannot get you. These Seaweed scam is one of the hottest now, warn all your friends about it before they are victimised.

14) MXM (previously MGM) - This is a master scam among the younger group, very successful 2 or 3 years ago but since there moved to their big 10-storey office at Phileo Damansara and changed name to MXM, their business dropped. They collect members RM3,000 to RM4,000 with credit card monthly easy payment and in return you get a hospital benefits insurance from Pacific Insurance worth only a few hundred RMs together with some you-don’t-need medical check-ups from their associate Company Pathlab. Also talk about fitness, lifestyles bullshit that is all worthless.

15) Gano Excel - This company from the north, a copycat of DXN selling Lingzhi capsules created a new Company called Gano iTouch to cash-in on the internet like e-Cosway after their Company went down the drain since the last 2 years, selling Linzhi and some no-value energy pendants and alkaline water gadgets. They provide free transport every weekend from KL to visit their Alor Star office.

16) NuLife (HK) - This Company started by some HK people has been in Malaysia for more than 10 years but they have flopped in HK and Malaysia due to bad management and a product scam making use of a prosecuted American named Dr Jeffrey Bland, found guilty of false products claim. Since this case in the US leaked out and many Malaysians found out that the real boss in HK is a Steven Tang (he cheated many Malaysians in another scheme about 20 years ago) their business went down all the way. Now they claim Malaysian partners cheated them and start a new Company in Malaysia. Watch out, this new Company will come out with some investment scheme idea that will get many to lose their money.

17) Arowana Fish Breeding, Oora from Germany, Biofuel(Kompleks Maluri) etc - These are some newer scams. Arowana fish venture ask you to invest some money and give you fixed return. Biofuel will tell you their Indonesia connections( just like Sunshine Empire before using Taiwan) & Oora from Germany (I never trust those cruel Germans) that market some bio-chips and a gadget that claims to give energy and therapeutic effects of accupunture, tai-chi, yoga, etc depending how you set the toy-like gadget, wear it on your body and you get the effect later. They could not explain or provide any demonstration to prove their effectiveness. Only doctors and papers claim that I will never trust. The health effect is actually PLACEBO, which I will elaborate in a different thread.

Lastly but not least, thank you for reading to the end and I hope you can come back for more details and updates or help to contribute for me to update. I hope to receive information of any scams so that I can share them here to protect others. Although most of those above-mentioned are marketed through direct-selling or MLM schemes, I will soon add non-MLM scams. Please contribute.

If you wish to send me any new information confidentially, you may email them to me at:

stopscams007@gmail.com

Good Luck.

PS. Please pass this link to your friends if you find it helpful and thank you to those who contributed or e-mailed me with informations.

The full thread is available here.