Putting in your first pond can be expensive and stressful and the research can seem overwhelming. This is especially true when it comes to the accessories and necessary features you have to purchase to have the pond run optimally. You don’t want to just wing it when buying these items and you shouldn’t.
In this article, we’ll focus on the most important part: the pump. There are a few things you should know before jumping into this purchase. You should do your research, know your pond, and take the time to find the right price for you. Through this article, we’ll walk you through the process of picking out the perfect pump for your first pond.
Do Your Research
You may think to pick a pond pump is as easy as just grabbing one off the shelf, but it’s a little more complicated than that. To ensure your pump will work optimally in your pond, you’ll need to first know the size of your pond, the wildlife or vegetation residing within, and if you have or plan on having a fountain or anything of the sort.
These things will help you narrow down the long list of pumps out there to help you find the perfect one for you.
How the Size of Your Pond Effects the Pump You Choose
Ideally, the perfect pump for you will circulate the water around the entirety of the pond once every two hours. You want to be sure the pump you get has the strength and power to do that, which is where the size of your pond comes in.
If you have 600-gallon pond, for instance, you’re going to want to make sure you get a pump with a 300 gallon per hour (gph) capacity.
Why What’s in Your Pond Matter
The features in your pond, like the vegetation, fish, or fountains, can affect the type of pump you ultimately choose. Certain types of pumps don’t function optimally with certain features like fountains and others can even be harmful to your pond’s wildlife and vegetation.
Where to Find the Best Pond Pump at a Reasonable Price
There are a variety of sources for pond pumps around. Before you settle on one place, you should shop around and make sure you’re getting the best price. Ponds tend to be large investments so you want to be sure to save where you can.
Typically, the best option would be to order online, as they tend to have a wider selection and a lower price. We highly recommend http://www.swelluk.com/pond/pond-pumps-62/ as your source for affordable pond products.
Buying your first pond can seem overwhelming and difficult but it doesn’t have to be. With a little research and consideration, you can be fully prepared to put in your dream pond without breaking your budget.
Make sure that, when you do go to purchase the items for your pond, you shop around and find the best price available from a reliable source. Hopefully, this article has helped guide along your journey to getting your first pond.
Maybank introduce Secure2u, a new safer and convenient way to authorise online transactions. Secure2u consists of :
Secure Verification : Feature that allows user to approve or reject Maybank2u selected transactions directly from their smartphone.
Secure TAC : It require user to key in a 6-digit TAC number generated on the mobile app o authorise Maybank2u transactions. Also a new alternative to SMS TAC for selected transactions.
This new features only available on the new Maybank App. Which can be downloaded from Google Play Store and Apple Store.
What is the Difference between Secure Verification, Secure TAC and SMS TAC
Secure Verification : A notification alert will be sent to user registered device for selected transactions. User must approve or reject the notification within 30 seconds
Secure TAC : Consists of 6 Digit TAC Number, generated by Maybank App. User need to use the PIN to authorise your transaction via Maybank2u website.
5. You will receive On Time Password (OTP) sms, key in the OTP. Make sure your handphone number is correct.
6. Then you will need to key in your MyKad number.
You must have internet connection to use Secure Verification. To choose Secure Verification as the mode of authorisation, you will be prompted with a push notification message alert on your registered smartphone. You need to “Approve” or “Reject” the transaction within 30 seconds.
If you choose Secure TAC as your mode of authorisation, you can obtain the 6-digit number by tapping on ‘Secure2u’ button on the aybank App. Please enter the 6 digit number generated to approve your transactions.
Nowadays with new online technology and security there are still some of my friend that go to Bank ATM to make payment and money transfer. They still feel insecure about online banking or have a lot of free time.
As for me, Maybank2u is my trusted online banking since living outside Malaysia. Every month I will make money transfer and payment from my Maybank saving account. Although before this I had a problem to receive TAC code.
This is because Maybank do not recognise overseas phone number to send TAC code. So I have to bought a prepaid U Mobile and register with Maybank2u.
Luckily, I can receive TAC Maybank2u code thru sms even using U Mobile prepaid sim card. UMobile using Vodafone Network in Turkey. So every month I need to top up my UMobile prepaid with Maybank2u. I will use the U Mobile credit accumulated when I’m back in Malaysia. Yes, you can use Malaysian telco to receive TAC code as long as your mobile use local network provider when travel to oversea.
New Maybank2U Mobile Apps
However for Maybank2u mobile app, I had a bad experience using it. Lack of useful features and some time hang during login process. I prefer using the Maybank2u online desktop version. Until I read on Maybank2u website that new mobile up is coming.
On March 7, 2016, Maybank has updated and enhance their Maybank2u Mobile Android Apps. First created in 2011 with 2 million downloads and numbers are increasing each day. I download and install on my Asus phone.
The all-new mobile Maybank2u apps have added 7 new features :
Mobile Transfer
Cardless Withdrawal – With this new app, you can send money to anyone and recipient can withdraw without an ATM card.
Credit to Account – Transfer fund to anyone just using their mobile number. Yup, you can do pretty anything with mobile number nowadays.
eSign-up – Make a Fixed Deposit placement.
One-Off Bill Payment – Make an open bill payment for selected utility payees.
Promotion – Get the get latest promotions on dining, shopping, travel and more.
ARound Me – Scan your surrounding and find nearby Maybank branches, ATMs and promotions within 2km from where you are. This is useful when you travel and outstation.
Share It – Like something on the Maybank2u app? We’ve made it easy for you to share it on Facebook and Twitter. Sharing is caring rite!
Apply Online – Experience the simple steps to open our existing current account product i.e. Maybank2u.Premier.
Easy Mobile Transfer With Mobile Number
This feature come in handy when you are outside and need to transfer money urgently.
Recipient will be able to receive the funds via:
Cardless Withdrawal – withdraw cash at any Maybank ATM or;
Credit to Account – deposit the funds directly to account using the mobile app.
Steps to Send Money to a Mobile Number:
Step 1: Go to Funds Transfer and select Mobile Transfer.
Step 2: Key in the amount and select option for Recipient to receive funds i.e. Cardless or Credit to Account.
Step 3: Provide the SMS Code to Recipient for collection.
Steps to Receive Money via Cardless Withdrawal:
Step 1: Get the SMS Code from Sender.
Step 2: Go to any Maybank ATM and enter the SMS Code and Transaction ID for verification.
Step 3: Collect your cash!
Steps to Receive Money via Credit To Account:
Step 1: Get the SMS Code from Sender.
Step 2: Launch the M2U Mobile App. Select Mobile Transfer without logging in to M2U.
Step 3: Enter the SMS Code and Transaction ID for verification.
Step 4: Choose your desired bank and key in your account number.
Step 5: Your money will be deposited at real-time!
So far the Maybank2u mobile apps, have not let me down. No crash and error or even hang.
For security make sure you don’t store your user id and password on your smartphone in case of stolen.
Maybe on next entry I need to use mobile transfer to show how it really works.
During my online transaction with CIMBClick, I usually ignore CIMB advertisement. Not until I saw Elizabeth Tan with a travel bag and a guitar. She is a new singer in Malaysia and popular for her song “Knock, Knock”. At first, I thought that the ad is about Travel Insurance because there is no dollar or euro symbol on the ad. Even though I did read Travel Currency on the ad but my brain cannot decipher the message and can only see Elizabeth Tan singing with her blue stewardess uniform. 🙂
My point is please put a clear message on your advertisement, men cannot understand this kind of ad clearly. Please, if you want to promote Currency Exchange Service, please put Dollar and Euro Symbol or Elizabeth Tan holding a lot of Foreign money bill. Don’t just simply put Elizabeth Tan with guitar and a bag. We , men can easily get confuse. 🙂
How To Buy Currency Online with CIMB Travel Currency
Elizabeth Tan CIMB Currency Travel
OK now I can clearly understand by looking at the picture above. Let say if I want to buy One Thousand American Dollar USD 1000 from CIMB Travel Currency can I get Elizabeth Tan number hehe.
Select my American Dollar from the foreign money list.
Check the Exchange Rate.
From my survey on 20 October 2015, the rate is quite good
USD 1 is equal to RM 4.28 even though real time QE Currency stated RM 4.24
Next screen, my order will be listed. I can also add more foreign currency. Let say I want to buy Euro currency, I just can click Add another currency plus sign.
For Collection details, I need to enter my personal details and bank location to pick up my Dollar and Euro money. You can select location from CIMB Branch at all major airports including KLIA and KLIA2.
Unfortunately for amount more than RM 5000, CIMB staff will call you first within 2 days to confirm your order and after that you can proceed to make the payment. This to make sure that you a not a scammer.
Lastly, you final order page will look like this.
**If you order is below RM 5,000, you can proceed to pay the amount via CIMBClicks or from other bank.
A few reminder :
Please make sure, the person that is going to collect the money at the selected bank must be you and all details are exactly match with the form you filled.
If you want other people to pick it up, it is not possible. You can call CIMB to rearrange pick up time.
You have 60 days to pick up the money you ordered, so please plan wisely.
Remember when I wrote about Western Union with TEB bank in Turkey to send money to Malaysia. Well, now they do not accept Western Union transfer anymore. I am not sure what is the real reason because the Western Union sticker is still on their door.
So I tried my luck with Yapi Kredi bank just in front TEB bank. Because I saw Western Union sticker on their wall. The guy at the counter can speak English quite well, and yes they can process my Western Union to Malaysia.
Yapi Kredi Western Union
Only one problem with Yapi Kredi bank, the que is quite long especially office hours. Furthermore I don’t have account with Yapi Kredi bank, so I am not their priority. Sometime I have to wait almost one hour.
But since I have no other choice, I fill my time by playing games on my Zenfone2. This continues for a few months until Yapi Kredi Western Union have a system problem. Imagine you wait for almost an hour and when finally its you turn, the guy at the counter say “sorry Western union OFFLINE”. Yapi Kredi was my last hope to send money, so I walk up to 5 banks to ask about Western Union. All of them gave me the same answer “OFFLINE”.
Then I think to myself, is there any other option that I can use to transfer money from oversea to Malaysia. I already asked before about Bank Telegraphic Transfer from Turkey o Malaysia. The lady from TEB Bank said that it will cost USD 100. So not an option. So my best chances right now is Western Union because the fee for transfer is quite reasonable. But I have to ask everyday when the Western Union system is back online. Which is not practical and time consuming.
DBS Malaysia Remit
Until one of my Singaporean friend here in Ankara offered his help to transfer money from his DBS Bank account in Singapore to my Maybank account. Plus, the commission fee is lower than Western Union around 50 lira. Luckily, DBS is currently have a DBS Malaysia Remit promotion, no charge (S$0) fee for transfer money to Malaysian Bank till December 2015. You can receive money on same day transfer. So no more walking and waiting to the bank. I just asked my friend to transfer money online, and I will pay him in Lira.
At first we tried to transfer only RM200 to make sure the transfer is successful. I gave him all my Maybank account number, Maybank swift code and address. Well, its good to have a good friend when time like this.
Moral of the story, make a lot of friends where ever you are. Be nice to them and one day you might need their help.
Back in the old days, queuing at the bank to withdraw money is tiresome. I remember once when I was in a boarding school in Pekan Pahang, I have to run back to my hostel because I forgot to bring my identification card when already at the bank.
I have no other choice but to run because bus will take a long time and the gate will be close around 5 pm . Taxi, hello.. I am a student and probably the money I have at that time is 70 cents, enough to get to the bank by bus. Can you imagine, I ran back to my hostel, took my IC and retun back to the bank. The distance between my hostel and bank around 2km. Fuhh. I must be really fit that time haha 🙂
Nowdays, we are so lucky that bank use online transaction like Maybank2u and CIMBclicks.
Maybank2u and ASB
Today, I just want to share on how to send money to Amanah Saham Bumiputera or ASB. Since I am living abroad, usually I will transfer money to my father using Western Union and asked him to invest in my ASB account at Maybank counter.
Then I read on Maybank2u that I can transfer online to my ASB account. That is good news, I don’t have to trouble my father anymore. I only manage to link my Maybank2u to ASB last September, when I flew back to Malaysia for short holiday. I also have to change my mobile number registered to Maybank2u because the old one already terminated.
It is really important because, I need to receive TAC number for any transaction to be made except for Favorite account. Luckily, I manage to receive my TAC code even I am abroad. I use Umobile prepaid and need to top up every month to maintain the number. Here, my Umobile number is using Vodafone TR network. At first, I was quite skeptical using prepaid number to receive sms from Maybank2u and register a new line number is not an option. Even the guy that sold me the prepaid number was not sure, he even call his umobile agent to confirm. The UMobile told him that, I can receive sms from Maybank even I am abroad by maintaining balance RM50 on my phone. It easy to have RM50 balance because I cannot use it here, cannot call only sms.
Lets focus back to Maybank2u and ASB.
Maybank2u ASB Registration
In order for us to transfer money to ASB online using Maybank2u, we have to register our ASB account into Maybank2u. Please have your ASB account book and handphone in front of you during registration.
Login to Maybank2u.com and click Investment tab and select “ASNB Unit Trust” from the menu.
After that click “Add” to Register your ASNB Account
After that, select “Amanah Saham Bumiputera”, click continue and Request for a TAC Number
Next page will be Declaration page. You have to check acknowledge the terms and conditions. There a a few important details that you need to aware :
Service fee for transaction money to ASB is RM 1 plus 6% GST = RM1.06. NOT 6% from the amount that you transfer to ASB. 6% GST is only charged from Service Fee only.
Transaction after 5pm will be considered as next business day transaction.
You can transfer money to third party account ASB holder. Let say you register your wife or children ASB account.
After you click next, you will be presented with online form like below. Key in your Membership No(ASB Account number), Membership ID (IC Number) and Type along with your Name and click “Continue”
Make sure you refer to your ASB account book, your name on the book and maybank2u must be the same. Confirm all the details displayed and fill in the TAC code received. Click “Confirm” to continue.
When the Confirmation Status page is displayed, keep the record for your reference. Your registered ASB account will be pending for approval. Usually it will take 36 to 48 hours. You can transfer money when you get Active green status.
How to Transfer Money from Maybank2u to ASB
When you account status is active, you can transfer money to your ASB account. Follow the steps below:
Select “ASB Payment” from the top sub menu
Select the account for payment from the dropdown list and click “Continue”
Next is declaration page, please read and understand the Declaration. Check the box to acknowledge the terms and conditions. Click “Next”
Key in the amount you would like to invest and select the account you wish to make the payment from in the dropdown list. Click “Continue”
Confirm the details of the transaction and click “Confirm”
When the Payment Status page appears, click “Print Receipt” and keep it for your future reference. If any problem with the transaction, Maybank will reimburse your money not ASB.
It will take 1 or 2 business days for the money you transferred to available on your ASB account, so be patient. My advice, try transfer with small amount. Then check, how long it will take or are you facing any problem during transaction before you can proceed with larger amounts.
That’s all for now tutorial sharing from me. Hope you can invest and save money in your ASB account thru Maybank2u. Good luck.
is my trusted online banking since living outside Malaysia. Every month I will make money transfer and payment from my Maybank saving account. Although before this I had a problem to receive TAC code.
