Data Privacy in 2019 – Protecting Yourself Online

Protecting your privacy online is different now than 10 years ago. Previously, all you had to worry was just to make sure nobody knows your password. But nowadays, big corporations are being hacked every day. Even Yahoo, Facebook and Google get hack! Here comes a time to think more about your data.

Using services offered by Google or Facebook is free, but free does come at a high price. It is not really free if you look at the big picture. You are the product, according to these big giants. Your data is valuable to these monopoly companies. Every post you share, every like you click, every share you made, is recorded and evaluated by artificial intelligence. Then, these data are processed and sold to advertisers to promote their products. Trading free service for your limited 24 hour a day attention span, which is way more valuable.

Advertising in this age is vastly different from advertising 10 or more years ago. Previously, ads are not targeted, and you still maintain your privacy. You are not tracked 24/7. Now, with artificial intelligence, everything you do is recorded and processed. Believe it or not, Google and Facebook know you more than you know yourself.

They track your recent web searches, your recent purchases, heck, even offline purchases. Recently, there were articles claiming Google had partnered with Mastercard to track retail spending. It means that, whatever you buy offline, is linked to your online Google account. Google knows everything about you, your email, your address, your telephone, your passwords, your banking details and even your credit card details. And did you said you use free service provided by them? It’s a costly mistake.

If you are using an Android phone, just like the majority of the world are, Google spy on everyone of us. Track our locations, where we live, how long we stay at a place, where our frequently visit places and more. Use cloud services? They can analyze your images in Google Photos. Artificial intelligence is a real thing. Computers are able to analyze whether an image is a person smiling, or frowning, whether it’s an image of a cat, or a dog, or an iconic building. Artificial intelligence is growing fast. And it’s really scary if you do not learn and educate yourself.

Soon, computers will know you more than you know yourself. Wait, it’s no longer in the future. Even now, computers really do know you more than you do!

Luckily, there are ways that you can equip yourself to reduce the dominance of these giants to gather your data, privacy and information.

For example, you can choose to use Mozilla Firefox or Brave browser instead of Google Chrome. But only changing your browser is only one part of the story. Google can still track you from your web searches. It’s time people realize how valuable their privacy is and switch to using DuckDuckGo to browse the web instead of using Google.

Of course you will not be able to completely avoid using Google or Facebook. Most people still use Google Gmail for their email. There are other alternatives such as ProtonMail. But it sure is a hassle to change your email that you have been using for ages. Sticking to using Gmail is still okay, just try to limit giving away your valuable personal data and life to these corporations for free.  Well, same goes to YouTube, as they are the monopoly, there really isn’t much choice really.

Isn’t is a scary experience, to browse the web for some clothing, and suddenly opening Facebook to see the exact same advertisement that you have been browsing. Your every move is tracked. It’s creepy. It’s as though someone is stalking you behind your back, and taking pictures of you and recording and documenting your every move.

You might think that, your data is irrelevant. You are worthless. Are you? Collectively, these data gathered by these big companies are used to manipulate and put thoughts into your mind. They have the ability to manipulate how you think, what you feel. They can change election results by favoring news by a certain political party and censoring another political party. They show you more shares and news from your friends about a certain influential person, to promote and change election results. Yes, it happened, thanks to Cambridge Analytica.

It’s time to take charge of your life, your privacy. Scary world we living ain’t it?

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Malaysia – Prepaid Credit Card Malaysia | Mastercard

There is a new prepaid credit card in town. Why does it matter? There are many advantages if you are frequently using AirAsia booking for flights or travelling overseas or shopping online paying in foreign currencies.

Advantages of the new BigPay prepaid credit card include

  • Lowest exchange rate overseas and online
  • Without the need to pay extra charges or fees when booking AirAsia flights using credit card
  • Register by paying RM20 and get back RM30
  • Transfer money to friends using BigPay app
  • Withdraw money from ATMs in Malaysia and overseas
  • Reload prepaid debit card with credit card with no extra fees (no cash advance fees)
  • Get cashback from credit card companies when top up
  • Earn AirAsia Big points
  • No annual fee
  • Best used during airasia deals to get air asia promo ticket
  • Buying bitcoin with credit card – Best way to buy bitcoin

What does it mean by lowest exchange rate overseas?

For example currently, if you purchase something for 20 USD, (Current rate is 1 USD = RM4.00 according to Google) you would have to pay about RM84 (rate about 1 USD = RM4.20) if you are using your regular credit card.

But if you are using the new BigPay prepaid mastercard, you will be paying RM80 (1 USD = RM4.00). It’s approximately or lower than the rate you use google for conversion. What this means is that you will be saving a lot of money if you frequently transact in overseas such as US dollar.

Here’s an extra benefit if you do this. You get to earn double points. First, you earn points or cash rebate from your normal credit card you use to top up your BigPay debit card. Then, you earn extra Big AirAsia points for top up and spending.

Skip the extra charges AirAsia’s so called processing fees for regular credit or debit cards. Airasia booking online without fees.

If you book flights regularly with AirAsia during the air asia promo fever, you will know that you have to pay a lot of fees if you pay by your regular credit or debit card. You are also charged if you use your bank account transfer, albeit lower fees compared to credit cards using airasia flight booking.

You basically pay no fees if you use the new BigPay card for air asia booking ticket. It’s the best mastercard prepaid card available at the moment in Malaysia for booking the lowest air asia ticket price.

If you are looking for prepaid cards with no fees for airasia cheap flight, look no further. You can use the card during airasia flight booking offers to get even a lower price. It’s the only airasia credit card currently available.

How can I buy bitcoin? Buying bitcoin with credit card or buying bitcoin with debit card by BigPay

There is even a better way to buy bitcoin using your credit card or buy bitcoin instantly with debit card.

If you want to buy bitcoin instantly without the excess charges such as cash advance fees, using BigPay is an ideal way. Moreover, you will get a better currency conversion rate than using your regular credit card. Credit card to bitcoin instantly.

First, you will need to reload your BigPay card with your regular credit card. Then, by using Lykke, you can buy bitcoin with your credit card. There are also other sites that you can use to buy bitcoin online such as CEX.IO and Coinmama.

The reason why you do not want to use your regular credit card to buy directly is because some banks charge cash advance fees if you use your credit card to buy bitcoin. It’s not worth it to pay excess fees, which can be up to 10% of the total amount and you have to pay daily interests. It’s one of the highest interest rate that you have to pay!

Moreover, you will get the best currency rate available and still get AirAsia big points. It’s time to buy bitcoin with credit card instantly. With BigPay, you will be able to buy bitcoin with debit card instantly.

If you frequently buy using Lykke, you can buy bitcoin with credit card no verification needed for your card. It’s time to buy btc with debit card to receive instant bitcoin (buy bitcoin with mastercard by BigPay).

With this method, you do not need to buy bitcion with bank account anymore. It’s the easiest way to buy bitcoin and buy bitcoin online instantly. You can also buy litecoin with credit card or buy cryptocurrency of your choice (eg. buy ethereum) with this method using the exchange listed.

Register by paying RM20 and get back RM30 BigPay prepaid credit card online

BigPay requires you to pay RM20 to get the card and in return, you will get back RM20 in your account. So it’s basically free to own the card.

However, if you sign up with a referral code, you will get an extra RM10 in your account. So for paying RM20, you will get back RM30.

Tip : use referral code 6HEQVOU3II

Transfer money to friends using BigPay app

You can transfer money for free if your friends are using the BigPay app. It’s easy to download and use.

It’s available for android and ios users. It’s the only prepaid debit cards with no fees. It’s easily the most useful reloadable debit card.

Withdraw money from ATMs in Malaysia and overseas

You will be charged RM6 per withdrawal in Malaysia or RM10 per withdrawal overseas.

Here is a tip for you if you are really strapped for money and need to get a cash advance from your regular credit card but do not want to pay the high fees. You can reload your BigPay card with your credit card and withdraw the money from any ATM. However, you should not do it unless you are really desperate for money as some accounts have been suspended for suspected abuse or money laundering.

How to get a prepaid card? Steps to register for the prepaid debit cards with no monthly fees

First, you will need to download the app from AppStore if you are using iOS or Google Play for android users.

After you have downloaded and installed into your phone, you will need to redeem the referral code to get the extra RM10 (total RM30) in your account.

Use referral code : 6HEQVOU3II

Registering for the new prepaid debit card will not take you more than 5 minutes. You will have to top up RM20 in order for your card to be shipped to you.

After you have registered, you will need to wait for about 3-5 days for your card to arrive at your address.

Once you have received your card, you can activate the card using your BigPay app instantly. It works like an international prepaid credit card and you can use it in any country that accepts mastercard.