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New Year’s Resolutions for 2020 [ December 30th, 2019 ] Posted in » imDavidLee Life, News & Announcement

There are resolutions you hear every year, usually those resolutions involve something along the lines of saving money or getting healthier. Anything you make is going to boil down to the same thing – Better yourself.

Don’t be like this when you’re making your new year resolution
My goal in 2019 is to achieve the goals I set in 2018 that I should have completed in 2017 as I made a promise in 2016 that I planned in 2015.

Now is a great time to identify new and existing opportunities to grow and get 2020 off to a strong start. For 2020, I have set some achievable goals for myself. Accomplishing these goals will bring myself professional joy and positive growth.

1. Make an Impressive Impact at Work

Make impressive impact at work

Being more productive often stands at the top priority list but actually finding the ways to implement it in everyday life is a different kettle of fish. However, I will try to be proactive about going after what I want and doing things without being asked. I will also make it a priority to work on my productivity by using a time diary to become more aware of how I’m spending my time now. Being more focused is also important as it can take an average of 25 minutes to resume a task after being interrupted.

My strategy focus is to:
UNDERSTAND where am I now.
IMAGINE where I could be.
CREATE my strategic move.

Dare to be different. Don’t settle for the ordinary.

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Do You Think PTPTN Defaulter Should Be Barred From Travelling Overseas?

PTPTN loan

As we known, those students who borrow PTPTN loan are mostly coming from low to middle class people. At the end of the day, most of them will end-up working with public and private sector, and there’s a minority of them will work as high level people. I personally do not agree PTPTN barred loan defaulters from traveling overseas. Instead of that, we should sit down and think of other alternative that can help them to pay during this current economy situation.

barred from travelling

Besides that, barred defaulter from travelling overseas cannot really solve the problem as some of defaulter may works as travel agents, journalist and etc that require to travel overseas every month.

What Action Will Be Taken If Loan Defaulters Refuse to Payback?

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September 20th, 2010 | 8 Comments | 9,261 views

Why PTPTN Loan Interest Rate Still 3% ?


I think I should feel proud at this moment because I always keep on paying back the PTPTN loan. Compare to many other borrowers, most of them will defy the loans even they have money to payback. And, in the end, they may receive the warning letter then only start to pay.

Why PTPTN Still Charge Me 3% Interest Rate But Not 1% ?

I had been taking PTPTN loan for my Diploma, which is a total of RM10, 000. Based on the first agreement that I signed, the interest rate was around 3%. However, our Prime Minister announced that the interest rate of PTPTN would be reduced to 1% since 1st of January 2008, and clarified that this will apply to ALL students.

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October 30th, 2009 | 16 Comments | 18,527 views

Considerations Before Applying Education Loan

student loan

Private Student Loans can help you to cover your cost of college education when savings, scholarships and parent aid aren’t enough. However, sometimes we need to know the student loans information in order to help you understand your responsibilities and avoid financial burden.

Nowadays, having a college education is not as cheap as last time. There might have students who are paying fees for their study under loads of debts. Once you graduate, they might find it difficult to payback the payments.

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July 3rd, 2009 | 5 Comments | 8,190 views

How To Payback PTPTN Loan ?

Mostly I will choose to payback more than the original installment amount because if the borrower settles the PTPTN loan earlier, then the PTPTN loan interest charge will be reduced based on the remaining monthly balance.

Assume monthly PTPTN payment is MYR 100 and each time transaction cost is MYR 2, therefore the transaction cost is 2% (MYR 2/MYR 100). If pay half yearly on the same amount which is paying MYR 600 and transaction cost is MYR 2, therefore the transaction cost is only 0.33% (MYR 2/MYR 600). Most important is, think about the convenience…

Method of PTPTN Loan Repayment

i) Through FPX (Financial Process Exchange), you need to have an account with any bank with FPX and be registered as an Internet banking service.

ii) Through bank draft/money order, it must be crossed and made payable to PERBADANAN TABUNG PENDIDIKAN TINGGI NASIONAL. Post your payment by using an envelope to:

National Higher Education Fund Corporation
Lot G2, Ground Floor, Wisma Chase Perdana
Off Jalan Semantan, Damansara Heights
50490 Kuala Lumpur
(Attn: Receiving Unit)

*Make sure your identity card no and full name are written on the reverse side of the bank draft/money order.

iii) Through Internet banking, you must have an Internet banking account in these banks if you really want to make online payment:
internet banking

iv) Through cash payment:

– PTPTN Services Counter
– Bank Islam
– Bank Simpanan Nasional
– POS Malaysia Berhad

Loan Repayment Through Salary Deduction Read More …

December 17th, 2008 | 12 Comments | 40,022 views

How Burden Of PTPTN Loan Interest Charge?

Do you feel that PTPTN loan interest charge are enormous?

As far as I know, PTPTN will start counting the interest 6 months after you graduate. For me, they have been charging me almost MYR 25 per month which is 3% interest charged. 3% interest rate is the lowest rate in loan industry, so I prefer to pay minimum amount. Then I can make more money by investing in unit trust and share due to difference in % return.


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October 16th, 2008 | 8 Comments | 14,270 views