Home / Malaysia Spotlight

Aspartame In Malaysia

Aspartame, a low-calorie sweetener, has been the subject of considerable debate globally due to its potential health implications. Originating from two amino acids – phenylalanine and aspartic acid – this artificial sweetener is approximately 200 times sweeter than sucrose (table sugar) and is utilised in many food and beverage products to reduce their calorie content.
In Malaysia, aspartame can be found in numerous everyday items ranging from soft drinks to chewing gums.
Aspartame in MalaysiaWhat is aspartame?What products in Malaysia have aspartame?Why was aspartame banned?What is the brand name for aspartame?Does Coke Zero have aspartame in it?Is aspartame harmful to my health?What’s worse sugar or aspartame?Why WHO declare aspartame sweetener a possible carcinogen?Can aspartame cause cancer?
The controversy surrounding aspartame stems primarily from various studies suggesting potential health risks associated with its consumption. Its use had previously been banned within certain jurisdictions, sparking further discussions on its safety profile.
Key questions emerge regarding whether widely popular beverages such as Coke Zero contain this controversial ingredient or what particular brands utilise it in their products.
What is aspartame?
Aspartame, a low-calorie sweetener commonly used in various food and drink products worldwide, is an artificial substance that comprises two amino acids: aspartic acid and phenylalanine.
This non-saccharide sweetener was first synthesized in the mid-twentieth century and has since been widely adopted due to its intense sweetness that surpasses that of sucrose by approximately 200 times. Aspartame is a dipeptide molecule which means it is made up of two peptide or protein building blocks. It metabolizes quickly in the body and does not accumulate over time, leading to its classification as a safe food additive by many health authorities across the globe.
However, the consumption of aspartame has drawn considerable debate due to potential health implications linked to its components. The essential amino acid phenylalanine can accumulate at high levels in individuals with phenylketonuria (PKU), a rare inherited disorder affecting metabolism. Therefore, people with PKU are advised against consuming products containing aspartame.
Additionally, some studies have suggested potential neurological effects related to excessive intake of aspartic acid contained within aspartame although definitive conclusions remain elusive. While regulatory bodies like the U.S Food and Drug Administration maintain that aspartame usage within recommended limits poses no risk for healthy individuals, it remains crucial for consumers to stay informed about their dietary choices.

What products in Malaysia have aspartame?
Numerous products available in the Southeast Asian nation, particularly those in the food and beverage sector such as diet sodas, sugar-free gums, low-calorie fruit juices, and certain types of candy, contain this artificial sweetener. Aspartame is a low-calorie sweetener that is approximately 200 times sweeter than sugar.
It is used in Malaysia to provide sweetness to foods and drinks without adding calories. In addition to its use in diet beverages and sweets, it can also be found in some pharmaceutical products including vitamins and sugar-free cough drops.
The following table provides an overview of common products that may contain aspartame in Malaysia:
Product CategoryExamplesDiet SodasCoca-Cola Zero, Pepsi MaxSugar-Free GumsExtra Gum, Orbit GumLow-Calorie Fruit JuicesTropicana Slim juice rangeCertain Types of CandyWerther’s Original Sugar Free Hard Candies
It should be noted that while these product categories commonly use aspartame for sweetness enhancement purposes, not all brands or varieties within these categories will necessarily contain aspartame. Therefore consumers are urged to read ingredient labels carefully if they wish to avoid or limit their intake of this artificial sweetener.

Why was aspartame banned?
Despite its widespread use, concerns over potential health risks have led to temporary bans and ongoing controversy surrounding the consumption of this artificial sweetener.
The primary contention is based on studies that link aspartame to various health issues, including but not limited to cancer, neurological disorders such as migraines and seizures, and cardiovascular diseases.
Some animal studies suggest a possibility of these adverse effects; however, it’s important to note that the relevance of such findings to human health remains disputed amongst researchers. This uncertainty has prompted some countries, albeit a minority, to impose restrictions or outright bans on aspartame until more definitive conclusions can be drawn.
In addition to health-related concerns, there are also questions regarding the safety testing methods used for aspartame approval. Critics argue that some tests were methodologically flawed and did not properly account for long-term exposure effects.

Furthermore, they contend that conflicts of interest may have influenced initial regulatory decisions due to financial ties between industry stakeholders and scientific research institutions. Such criticisms contribute further fuel in maintaining the debate about aspartame’s overall safety and its continued presence in food products worldwide.
Consequently, while many regulatory bodies maintain that aspartame is safe for consumption based on existing evidence, these ongoing controversies underscore a need for rigorous independent investigations into this widely consumed artificial sweetener’s long-term effect on human health.
What is the brand name for aspartame?
Well-known in the market under brand names such as NutraSweet and Equal, this artificial sweetener is ubiquitously used in a wide range of low-calorie and ‘sugar-free’ food and drink products.
Aspartame was first introduced to the global marketplace by G.D. Searle & Company in 1965 under the name NutraSweet, which has since become one of its most recognized brands. In addition to NutraSweet, Equal is another popular brand that markets aspartame-based sweeteners and has gained considerable recognition among consumers seeking alternatives to sugar.

In Malaysia, aspartame can be found in various forms across diverse product categories, from beverages and confectionery items to pharmaceuticals and dietary supplements. It’s important for consumers to acknowledge that despite different branding, the functional ingredient remains the same – aspartame.
The following table provides an overview of some common brands marketing aspartame-based products along with their respective product types:
Brand NameProduct TypeNutraSweetArtificial SweetenerEqualArtificial SweetenerSugar-Free GoldTable-Top Sweetener
Does Coke Zero have aspartame in it?
Coca-Cola Zero, a popular zero-calorie version of the classic Coca-Cola beverage, does contain the artificial sweetener known by brand names such as NutraSweet and Equal.
This low-calorie sweetener, widely identified as aspartame, is incorporated in many diet or zero-calorie beverages due to its capacity to provide sweetness without contributing caloric content. As such, it allows consumers to enjoy the taste of their preferred drinks while managing their calorie intake.

In Malaysia, the use of aspartame in food and beverages is regulated under the Food Regulations 1985 and its amendments. The Malaysian Ministry of Health has set specific guidelines regarding permissible levels of this sweetener in various products, including soft drinks like Coke Zero.
Therefore, any product that contains aspartame on the market must adhere to these established standards to ensure consumer safety and health protection.
Is aspartame harmful to my health?
Potential health effects related to the consumption of artificial sweeteners have been a topic of much debate in recent years, with various studies conducted to investigate their potential impact on human health.
Aspartame, a low-calorie sweetener used in many diet and sugar-free foods and beverages, is one such artificial sweetener that has been extensively studied for its potential health effects. While some studies suggest that aspartame may be associated with adverse health outcomes such as headaches, dizziness and mood changes, others indicate no significant link between aspartame consumption and these conditions.
There are conflicting views among researchers regarding the risk of cancer from aspartame use. Some animal studies have linked high levels of aspartame intake to an increased risk of certain types of cancers; however, numerous human studies have found no evidence that aspartame increases cancer risk in humans.
It should also be noted that the safety limit for daily intake of aspartame set by regulatory bodies like the Food and Drug Administration (FDA) is far higher than what most people would consume through diet alone.
Potential Health EffectStudy OutcomeRegulatory Body CommentHeadachesMixed resultsFurther research neededDizzinessNo significant linkConsidered safe within limitsMood ChangesLimited evidenceMore research requiredCancerNo clear evidence linking human cancer rates to aspartame useConsidered safe based on current evidenceOther Adverse ReactionsRare cases reportedMonitoring continues
What’s worse sugar or aspartame?
Comparing the potential health impacts of sugar and artificial sweeteners such as those found in diet drinks is a complex task, with various factors to consider including caloric content, effects on blood sugar levels, and potential long-term risks.
Both sugar and aspartame have their respective merits and drawbacks when it comes to health impact.
Sugar, despite being a natural product, is high in calories and excessive consumption can lead to weight gain, obesity, diabetes among other conditions.
Aspartame, on the other hand, is a low-calorie sweetener that does not contribute to weight gain or high blood sugar but has been linked with some health concerns.
While both substances have their pros and cons when it comes to health implications:

Sugar provides immediate energy but its overconsumption can lead to Type 2 Diabetes.
Aspartame brings sweetness without adding extra calories but has been associated with headaches in some people.
High fructose corn syrup (a type of sugar) can contribute significantly to heart disease if excessively consumed.
Although aspartame doesn’t affect blood glucose levels directly like sugars do making it beneficial for diabetics; however research indicates possible links between aspartame consumption and development of certain cancers though these findings are still inconclusive.

Why WHO declare aspartame sweetener a possible carcinogen?
Another significant aspect of aspartame that requires attention is its classification by the World Health Organization (WHO) as a potential carcinogen. This classification has raised concerns about the safety and health implications of this widely used artificial sweetener.
The World Health Organization’s International Agency for Research on Cancer (IARC) classifies aspartame as Group 2B, which means it is “possibly carcinogenic to humans.”
This conclusion was drawn after extensive analysis of available research and studies conducted on both animals and humans. Although several studies have shown a link between high doses of aspartame and development of cancer in rats, there remains insufficient evidence to conclusively establish this relationship in humans.
It should be noted that these findings do not mean that consumption of products containing aspartame will definitely lead to cancer; rather, they indicate a need for further investigation into this issue.
ARTIFICIAL SWEETENERIARC CLASSIFICATIONAspartameGroup 2B – Possibly carcinogenic to humansSaccharinGroup 2B – Possibly carcinogenic to humansSucraloseNot classified by IARCAcesulfame potassiumNot classified by IARC
This table provides an overview of where various artificial sweeteners stand according to IARC classifications. It can be observed that along with aspartame, saccharin is also classified under Group 2B. On the other hand, sucralose and acesulfame potassium have not yet been classified by IARC. These classifications are subject to change based on new scientific evidence.
Can aspartame cause cancer?
The possibility of aspartame leading to cancer has sparked considerable debate in the scientific community. Some studies have shown that long-term, high-dose consumption of this artificial sweetener can lead to an increased risk of certain types of cancers in rodents.
However, extrapolating these results to humans is not straightforward due to differences in metabolism and exposure levels.
Furthermore, while some epidemiological studies have suggested a potential link between aspartame and cancers such as lymphoma and leukemia, others have found no significant association.
The conflicting evidence makes it challenging for researchers to definitively determine whether or not aspartame poses a carcinogenic risk for humans.
The current consensus among major health organizations like the World Health Organization (WHO), the European Food Safety Authority (EFSA) and the U.S. Food and Drug Administration (FDA) is that aspartame is safe for human consumption at current dietary exposure levels.
These agencies maintain their stance based on extensive reviews of animal studies, clinical trials, observational studies and intake assessments which suggest that normal dietary exposure does not increase cancer risk significantly.


Home / Finance

How To Get EA Form From Previous Employer

EA form is important for filing taxes, as it contains detailed information about your income, deductions, and benefits obtained during a fiscal year.
Regardless of whether you’ve switched jobs or left your job, you are entitled to this form. Understanding his process can often be confusing and challenging, but we’re here to make it easier.
How to get EA Form from previous employer?
Here are some ways to get EA form from your ex-company:

Contact Your Previous Employer: Reach out to your previous employer via email or telephone. It is best to contact the Human Resources department as they are typically in charge of such matters.
Request for EA Form: Politely request for your EA Form. You should provide them with necessary details such as your full name, employee ID (if any), and the period you worked there.
Follow Up: If you do not receive a response within a reasonable timeframe, you should follow up with them.
Collect the EA Form: Some employers may send you the form via email or post, while others may require you to collect it in person. Make sure to clarify how you will receive the form.

Remember, it is your right as an employee to receive your EA form. If you encounter any difficulties, you can seek advice from your local labor department or employment bureau.
Note: An EA Form is a document required by the Inland Revenue Board (IRB) in Malaysia. It includes details about an employee’s earnings and deductions for the year.
How do I get my old EA form from LHDN?
You can request your old EA form from your current or previous employer as it is their responsibility to provide it.
The EA form is given by employers to their employees to detail their earnings and deductions for the year.
However, if you are unable to obtain it from your employer, you can contact LHDN (Lembaga Hasil Dalam Negeri), also known as the Inland Revenue Board of Malaysia, directly.

You may reach out to them through the following ways:

Visit the nearest LHDN branch.
Call their Care Line at +603-8911 1000 or +603-8911 1100 (Overseas).
Send an email to [email protected]

Remember to provide necessary details such as your full name, IC number, and the specific year of the EA form you are requesting.
Please note that LHDN may not have a copy of your EA form, as it is not a requirement for employers to submit this form to them, they only submit the tax computation (Form E). If LHDN does not have your EA form, you will need to persist with your employer.
If your employer has failed to provide the EA form, they can be fined or imprisoned as it is an offence under the Malaysian Income Tax Act 1967.

What happens if I don’t have EA form?
If you don’t have your EA form, it can lead to difficulties when filing your income tax return. The EA form is a statement of earnings from your employer that details your income, EPF, SOCSO and other deductions.
With it, you may have accurate information to file your taxes correctly. If you cannot obtain your EA form from your employer, you may need to rely on your own records, payslips or bank statements for the needed information. Incorrect or incomplete tax filings can result in penalties from your tax authority.
It’s always best to request for your EA form from your employer.
How can I check my previous e-filing Malaysia?
To check your previous e-filing in Malaysia, you need to follow these steps:

Visit the official website of the Inland Revenue Board of Malaysia (LHDN)
Click on the e-filing option in the menu.
You will be redirected to the e-filing portal. You need to log in using your username and password.
After logging in, you will find options to view your previous e-filing.
Click on the relevant links to view the details of your previous e-filing.

Please note that you should have a registered account on the LHDN website to access this service. If you don’t remember your login details, you may need to contact their customer service for help.
What is the use of EA form?
The EA form is used in Malaysia for income tax purposes. It is given by employers to their employees to show the amount of income they have earned and the amount of income tax that has been deducted in a year.
This form is used by employees to file their personal income tax.


Home / Malaysia Spotlight

How To Check Bumiputera Status

The Bumiputera status is a significant socio-economic classification in Malaysia. It’s important to understand its significance and the procedure for its verification.
It doesn’t matter that you are a native or a foreigner living in Malaysia, this piece of article will help you navigate this crucial aspect of Malaysian society.
How to check Bumiputera status?
Bumiputera status in Malaysia is a special status given to the ethnic Malays and indigenous people. It is not something that can be easily checked like a credit score or employment status because it is based on race and heritage.
Here are some ways to determine Bumiputera status:

Birth Certificate: Usually, a person’s Bumiputera status is determined at birth and it is stated on their birth certificate. If you were born to Bumiputera parents, then you are likely to be Bumiputera.
Identification Card: In Malaysia, the Bumiputera status might be indicated on the person’s identity card.
Government Records: Government records and documents such as school records, voting records, etc., might have information about a person’s Bumiputera status.
Self-Identification: In many cases, Bumiputera status is self-identified. If you consider yourself as Bumiputera and you have been recognized as such by your community, then you are Bumiputera.
Lineage: If you can trace your lineage back to Bumiputera ancestors, then you are likely to be Bumiputera.

If you want to verify your status, you may need to contact the appropriate government agency in Malaysia. They might be able to provide you with more accurate information based on their records.
Remember that the rules and definitions of Bumiputera status can vary and it’s always a good idea to consult with a legal expert or a government official for accurate information.
Who is considered as Bumiputera?
Bumiputera is a term used in Malaysia to refer to the Malay race and other indigenous people of Southeast Asia, including the Orang Asli in Peninsular Malaysia, the Dayak people in East Malaysia and the native people of the eastern part of Indonesia.
The term is often translated as “sons of the soil”or “princes of the earth”. It is used to denote a special status with certain privileges given to this group under the Malaysian constitution, such as quotas in public education and civil service positions.

What is Bumiputera privilege?
Bumiputera privilege is a policy implemented in Malaysia that provides certain advantages to the Bumiputera people, who are considered the indigenous or native inhabitants of the country.
This policy was put in place to help rectify economic imbalances that exist between the Bumiputera and the country’s ethnic Chinese and Indian populations.
These privileges can include preferential treatment in areas such as education, housing, finance, business, and employment.
For example, Bumiputera individuals may be given priority for university places, housing loans, or business licenses.

The policy has been a source of controversy and debate, with critics arguing that it is discriminatory and perpetuates racial division, while supporters insist that it is necessary to ensure the socio-economic well-being of the Bumiputera community.
What are Bumiputera races in Malaysia?
The term “Bumiputera”in Malaysia refers to the Malay race and other indigenous races in Malaysia, which includes the following:

Malay
Orang Asli (indigenous people of Peninsular Malaysia)
Iban
Bidayuh
Kenyah
Kayan
Penan
Murut
Lun Bawang/Lun Dayeh
Bajau
Kadazan-Dusun
Kedayan
Rungus
Bisaya
Melanau
Orang Ulu (an umbrella term for a number of ethnic groups)
Orang Sungai
Suluk
Dusunic
Minangkabau
Banjar

These are the recognized Bumiputera communities in Malaysia. However, it’s important to note that there are many more sub-groups within these larger ethnic groups.
What percentage of Malaysia is Bumiputera?
As of 2020, approximately 69.3% of Malaysia’s population is Bumiputera.

What is the Bumi quota in Malaysia?
The Bumi quota, also known as the Bumiputera quota, is a policy in Malaysia that provides privileges and advantages to the Bumiputera, the indigenous Malay people who make up about 60% of the country’s population.
The quota applies to various sectors, including education, housing, business, and public sector jobs, intending to uplift the economic status of the Bumiputera community.
The policy may become subject of controversy to those who don’t really understand the whole purpose, because they may have seen this as discriminatory by those who are not of Bumiputera status.
What is Bumiputera land?
Bumiputera land refers to land in Malaysia that is reserved for the Bumiputera people, the indigenous or native people of Malaysia.

The term “Bumiputera”translates to “sons of the soil”or “sons of the earth.”The Malaysian government has implemented policies to allocate a certain percentage of land, housing, and business opportunities to the Bumiputera people to promote their economic welfare.
This is part of a broader economic and social policy known as the Bumiputera policy.


Home / Travel

How To Check In Air Asia

Ticket done. The itinerary is done. Now it’s time to board the flight. If you’re a first timer or can’t remember the process, you may need to know how to check in Air Asia.
Read on.
How to check-in AirAsiaHow to check in Air Asia?How early should I check-in AirAsia?Does AirAsia have self check-in?Do I need to print my boarding pass for AirAsia?Is it better to check-in online or at the airport?What happens if I don’t check-in 24 hours before my flight?Recap on ways to check-in AirAsia
How to check in Air Asia?
Checking in for an Air Asia flight can be done either online or at the airport. Here’s how you can do both:
Online Check-in:

Visit the AirAsia website or download the AirAsia mobile app.
Click on “Check-in”or “Web check-in”.
Enter your booking number and last name or log in with your account.
Choose the passengers you want to check in.
Select your seats if you wish to.
Confirm the details and click on “Check-in”.
After the check-in is complete, you will receive your boarding pass via email or SMS. You can also print it out.

Airport Check-in:

Arrive at the airport at least 2 hours before your flight departure time.
Find the AirAsia check-in counters.
Present your ID and flight details to the AirAsia staff.
They will check you in and give you your boarding pass.

Remember, the online check-in opens 14 days prior to departure and closes 1 hour before departure for AirAsia flights and 4 hours before departure for AirAsia X flights.
Always make sure to check the specific check-in requirements for the country you are flying from and to, as the timings and procedures may vary.
How early should I check-in AirAsia?
AirAsia recommends passengers to check-in 3 hours prior to the scheduled departure time for international flights, and 2 hours prior for domestic flights.

Online check-in is available from 14 days up to 1 hour before departure for AirAsia and AirAsia X flights.
Does AirAsia have self check-in?
Yes, AirAsia has a self-check-in option which can be done through their website, mobile app and airport kiosk.
This feature is designed to make the check-in process more convenient and less time-consuming for passengers.
The self-check-in service can be done 14 days up to 1 hour before the scheduled departure for AirAsia flights.

Do I need to print my boarding pass for AirAsia?
No, you do not necessarily need to print your boarding pass for AirAsia.
You can use the AirAsia mobile app to check in and download your mobile boarding pass or use the self-service kiosk at the airport to print your boarding pass.
However, you’ll need to check the specific requirements of the airports you’re flying from and to, as some may require a printed boarding pass.
Is it better to check-in online or at the airport?
It is generally better to check-in online if possible. This is because online check-in allows you to avoid potentially long lines at the airport check-in counters. It also saves time and allows you to easily choose your own seat.

If you need to check bags, online check-in allows you to go directly to security, bypassing the check-in counter entirely at many airports.
However, if you have special needs or requests, check in at the airport to speak directly with airline staff.
What happens if I don’t check-in 24 hours before my flight?
If you do not check-in 24 hours before your flight, it does not necessarily result in a cancelled reservation or a missed flight. However, there are a few things that may happen:

Seat Selection: Most airlines allow you to choose your seat when you check-in. If you don’t check-in on time, you may not get the seat you prefer.
Overbooking: Airlines often overbook flights, counting on a certain number of no-shows. If you don’t check-in on time, the airline may give your seat to someone else.
Late Fees: Some airlines charge a fee if you check-in at the airport instead of online.
Stress: Checking in at the last minute can cause unnecessary stress and rush, especially during peak travel times.
Missing Out on Updates: If there are any changes to your flight, such as delays or cancellations, airlines will notify passengers who have already checked in.

Recap on ways to check-in AirAsia
Remember that checking in for your flight is different from being at the airport on time. Even if you’ve checked in online, airlines require you to be at the airport a certain amount of time before the flight departs.

Online Check-in: You can check-in online through Air Asia’s website or mobile app 14 days to 1 hour before the scheduled departure. Enter your booking number and last name, select your seat and print your boarding pass.
Self Check-in Kiosk: At the airport, you can use Air Asia’s self-service kiosk to check-in. Enter your booking details, select your seat and the kiosk will print your boarding pass. This service is available 14 days to 1 hour before departure for domestic flights, and 14 days to 4 hours before international flights.
Counter Check-in: If you have any specific needs or have luggage to check-in, you can go to the Air Asia check-in counter. Make sure to arrive at least 2 hours prior to departure for domestic flights and 3 hours for international flights.


Home / Banking

IBG Transfer Co-opbank Pertama

IBG transfer is a popular method of transferring funds between bank accounts in Malaysia. Co-opbank Pertama is one of the leading banks in Malaysia that offers IBG transfer services to its customers.
IBG transfer is a convenient and secure way to transfer funds between bank accounts, and it is widely used by individuals and businesses alike.
How long does IBG transfer take for Co-opbank Pertama?
The Interbank GIRO (IBG) transfer for Co-opbank Pertama typically takes between a few minutes to a few hours, depending on the time the transaction is initiated and the receiving bank’s processing time.
However, the funds may take up to one business day to be credited to the recipient’s account.
You can refer to the following schedule:

Why does Co-opbank Pertama IBG transfer take so long?
In general, IBG transfers may take longer than other transfers because they involve multiple banks and clearing houses. The transfer process involves several steps, including verification of account details, processing by the sending bank, clearing by the clearing house, and processing by the receiving bank.
These steps can take time, especially if there are any errors or discrepancies in the account details or if there is a high volume of transactions.
Additionally, some banks may have their own processing times and cut-off times for transfers, which can also affect the speed of the transfer.

How do I check my Co-opbank Pertama IBG transfer status?
We do not have access to check the status of Co-opbank Pertama IBG transfer. But in general, you can follow these steps:

Log in to your Co-opbank Pertama online banking account.
Go to the “Transaction History” or “Transaction Status” section.
Look for the transaction you want to check and click on it.
The status of the transaction should be displayed, such as “Pending,” “Successful,” or “Failed.”
If the transaction is still pending, you may need to wait a few more hours or days for it to be processed.
If the transaction has failed, you may need to contact Co-opbank Pertama customer service for assistance.

Alternatively, you can also call Co-opbank Pertama customer service or visit a branch to inquire about the status of your IBG transfer.
How do I know if Co-opbank Pertama my IBG transfer is successful?
You can check the status of your IBG transfer by logging into your Co-opbank Pertama online banking account or by contacting their customer service hotline.
They should be able to give you the necessary information about the status of your transfer.

Can Co-opbank Pertama IBG transfer be cancelled?
In general, IBG transfers can be cancelled if the recipient bank has not yet processed the transaction.
It is best to contact Co-opbank Pertama’s customer service or visit a branch to inquire about their cancellation policies and procedures.
What are the best practices in transferring money from Co-opbank Pertama to other banks?
I do not have personal experience or preferences. However, here are some general best practices for transferring money from Co-opbank Pertama to other banks:

Verify the recipient’s bank details: Before initiating a transfer, ensure that you have the correct bank account number, name, and other necessary details of the recipient’s bank account.
Choose the right transfer method: Co-opbank Pertama offers various transfer methods such as online banking, mobile banking, and ATM transfers. Choose the method that suits your needs and preferences.
Check the transfer fees: Co-opbank Pertama may charge a fee for transferring money to other banks. Check the fees and choose the most cost-effective option.
Double-check the transfer details: Before confirming the transfer, double-check all the details, including the amount, recipient’s bank details, and any other relevant information.
Keep track of the transfer: After completing the transfer, keep a record of the transaction details, including the date, time, and reference number. This will help you track the transfer and resolve any issues that may arise.


Home / Language Insights

Proportionate in Malay

You may have heard the word ‘proportionate’ before, which is quite difficult to understand the meaning in Bahasa Melayu. You may also have used the term ‘proportionate’ too.
But what does it really mean?
What is the meaning of proportionate in Malay?
The word “proportionate” in Malay can be translated as “sebanding” or “bersesuaian”.
How do I use ‘proportionate’ in a sentence in Bahasa Melayu?

Pembahagian gula ke dalam kopi haruslah sebanding dengan jumlah kopi itu sendiri.
“Kalau nak bagi kerja, kenalah sebanding dengan yang lain-lain.”

What is the meaning of ‘proportionate’ in simple English?
Proportionate means that things are the right size or amount in relation to each other. It’s like when you have a pizza and you want to share it with your friends.
If you cut the pizza into equal slices, so that everyone gets the same amount, then it’s proportionate.
But if one person gets a really big slice and another person gets a tiny slice, then it’s not proportionate. It’s all about making sure things are fair and balanced.
How do I pronouce ‘proportionate’ in British English?
The pronunciation can be broken down like this: pruh-por-shuh-nit.
What are the related terms to ‘proportionate’?
1. Ratio: The quantitative relationship between two or more quantities, indicating how many times one value is contained within another. For example, a ratio of 2:1 means that one quantity is twice as large as the other.

Context: In a recipe, the ratio of flour to sugar might be 2:1, meaning that for every 2 cups of flour, you need 1 cup of sugar.
2. Scale: The relative size or proportion of an object or concept in comparison to another. It refers to the relationship between the measurements of an object or drawing and the actual size of the object being represented.
Context: When creating a map, the scale is used to represent the proportionate size of the real-world features on the map.
3. Proportional Relationship: A relationship between two variables where their values increase or decrease at a constant ratio. In other words, the variables maintain the same proportion as they change.

Context: If the speed of a car is directly proportional to the distance it travels, then doubling the speed would result in the car covering twice the distance in the same amount of time.
4. Proportional Reasoning: The ability to compare and analyze quantities and their relationships using proportions. It involves understanding how changes in one quantity affect another in a proportional manner.
Context: Proportional reasoning is essential in solving problems involving percentages, rates, and ratios, such as calculating discounts or determining the best deal when shopping.
5. Direct Proportion: A relationship between two variables where an increase in one variable leads to a corresponding increase in the other, or a decrease in one variable results in a corresponding decrease in the other.

Context: If the cost of buying apples is directly proportional to the number of apples purchased, then buying twice as many apples would cost twice as much.
6. Inverse Proportion: A relationship between two variables where an increase in one variable leads to a corresponding decrease in the other, or a decrease in one variable results in a corresponding increase in the other.
Context: If the time taken to complete a task is inversely proportional to the number of people working on it, then doubling the number of people would halve the time required to complete the task.
7. Golden Ratio: A mathematical ratio of approximately 1.618, often found in nature and art. It is considered aesthetically pleasing and is believed to create visually harmonious proportions.

Context: The golden ratio is often used in architecture and design to determine the ideal


Home / Language Insights

Healing in Malay

You may have heard the word ‘healing’ before, which has been used extensively in TikTok and Instagram. You may also have used the term ‘healing’ too.
But what does it really mean?
What is the meaning of healing in Malay?
The meaning of healing in Malay is “penyembuhan” or “penyembuhan diri”.
How to I use the word ‘healing’ in a sentence in Bahasa Melayu?
Here are some examples on the usage of the word ‘healing’ in an informal way in Bahasa Melayu:

“Aku nak bawak diri. Nak pergi healing jap”
“Weh, kau pergi hiking ke? Healing lettewww”
“Tak payahlah nak acah-acah healing. Siap beli kerusi healing kat Decathlon tuuu”

1. Saya perlu mencari cara untuk menyembuhkan luka ini dengan cepat.2. Apa yang boleh saya lakukan untuk mempercepat proses penyembuhan?3. Dia sedang menjalani sesi terapi untuk pemulihan kesihatan mentalnya.
What is the meaning of ‘healing’ in simple English?
Healing refers to the process of restoring physical, mental, or emotional well-being and health. It involves the recovery or improvement of a person’s condition, whether it is a physical injury, illness, or emotional distress.
Healing can occur naturally over time, or it may require medical intervention, therapy, or other forms of treatment. It aims to alleviate pain, promote recovery, and restore balance and harmony to the body, mind, or spirit.
Healing can be a holistic process that addresses various aspects of a person’s well-being, including physical, emotional, social, and spiritual dimensions.

How do I pronounce ‘healing’ in British English?
In British English, the word “healing” is pronounced as “hee-ling.” The “h” is pronounced softly, and the stress is on the first syllable.
What are the related terms of ‘healing’
Here are some related terms to ‘healing'”

Holistic healing: This term refers to an approach that considers the whole person—mind, body, and spirit—in the healing process. It emphasizes the interconnectedness of various aspects of a person’s life and aims to restore balance and well-being.
Energy healing: This term encompasses various practices that focus on manipulating the body’s energy fields to promote healing. Techniques such as Reiki, acupuncture, and qigong are used to balance and restore the flow of energy, which is believed to be essential for good health.
Alternative medicine: This term refers to healing practices that fall outside the realm of conventional medicine. It includes various approaches like herbal medicine, homeopathy, naturopathy, and traditional Chinese medicine, which are often used as complementary or alternative treatments to conventional medical interventions.
Mind-body connection: This term highlights the relationship between mental and emotional states and physical health. It recognizes that psychological factors, such as stress, emotions, and beliefs, can influence physical well-being and that addressing these factors can contribute to healing.
Meditation: This term refers to a practice that involves focusing the mind and achieving a state of deep relaxation and heightened awareness. Meditation is often used as a tool for stress reduction, promoting emotional well-being, and enhancing the body’s natural healing abilities.
Self-care: This term emphasizes the importance of taking care of oneself to promote healing and overall well-being. It includes practices such as proper nutrition, regular exercise, adequate sleep, stress management, and engaging in activities that bring joy and relaxation.
Integrative medicine: This term describes an approach that combines conventional medical treatments with complementary and alternative therapies. It aims to address the whole person and provide a comprehensive and personalized approach to healing.
Emotional healing: This term focuses on the process of addressing and resolving emotional wounds or traumas. It involves techniques such as therapy, counseling, journaling, and expressive arts, which help individuals process and release emotional pain, leading to healing and personal growth.
Spiritual healing: This term refers to the process of finding meaning, purpose, and connection to something greater than oneself. It involves practices such as prayer, meditation, mindfulness, and engaging in spiritual traditions, which can provide comfort, guidance, and a sense of inner peace.
Nature therapy: This term highlights the healing power of nature and the benefits of spending time in natural environments. It involves activities such as forest bathing, ecotherapy, and outdoor mindfulness, which


Home / Finance

How To Check Unclaimed Money In Malaysia

How do you locate and claim unclaimed money in Malaysia using an online platform provided by the government?
Here’s a step-by-step guide to help you navigate the process.
Unclaimed Money MalaysiaHow to check unclaimed money in MalaysiaWho Qualifies to Claim Unclaimed Money in Malaysia?Is There A Deadline to Apply for Unclaimed Money?Does the Registrar Have a Minimum Claim Amount?Are There Any Charges for Unclaimed Money Applications?Does the Registrar Pay Interest on Unclaimed Money?Does the Registrar Appoint Agents for Managing Unclaimed Money Applications?How Can Third Parties or Agents Access Unclaimed Money Information?What’s the Process for Gazetting Unclaimed Money?Can All Unclaimed Money Records Be Accessed and Claimed via the eGUMIS Portal?
How to check unclaimed money in Malaysia
Here is the process to check whether you have any unclaimed money in Malaysia:

Access the eGUMIS portal at https://egumis.anm.gov.my/login
Register online as a new user
Log into the portal using your registration password
Update your user information
Click ‘SEARCH FOR UNCLAIMED MONIES‘ and enter your identification or company registration number to find unclaimed money and print out any relevant details
Print your results, if necessary
Done

Who Qualifies to Claim Unclaimed Money in Malaysia?
As per Section 13(1) of the Unclaimed Monies Act 1965, any claimant who can demonstrate rightful ownership of the unclaimed money can be authorized for payment by the Registrar.
Is There A Deadline to Apply for Unclaimed Money?
The Registrar does not enforce any deadline for claiming unclaimed money. The rightful owner can apply at their convenience.
Does the Registrar Have a Minimum Claim Amount?
The Registrar has not established a minimum claim amount for unclaimed money.
Are There Any Charges for Unclaimed Money Applications?
Applicants will not be charged for submitting claims for unclaimed money to the Registrar.
Does the Registrar Pay Interest on Unclaimed Money?
Under Section 11(3) of the Unclaimed Monies Act 1965, payments are based on the amount submitted to the Registrar by the company or firm, with no added interest.

Does the Registrar Appoint Agents for Managing Unclaimed Money Applications?
The Registrar of Unclaimed Monies does not delegate the management of unclaimed money claims to any companies, firms, or individuals.
How Can Third Parties or Agents Access Unclaimed Money Information?
As per Section 10A of the Unclaimed Monies Act, the Registrar submits UM records to Percetakan Nasional Malaysia Berhad (PNMB) for gazetting. Once gazetted, these records become public. However, the Registrar and the Ministry of Finance do not appoint agents to manage unclaimed money.
What’s the Process for Gazetting Unclaimed Money?
According to Section 10A (1) of the Unclaimed Monies Act 1965, companies or firms must submit their unclaimed money register (UMA3) to the Registrar for gazetting by PNMB. Gazetted records are then kept at the National Library for public reference.
Can All Unclaimed Money Records Be Accessed and Claimed via the eGUMIS Portal?
Only gazetted unclaimed money records can be viewed and claimed through the eGUMIS portal.


Home / Price Insights

Insulin Cost In Malaysia

What is insulin?
Insulin is a hormone produced by the pancreas that regulates the amount of glucose (sugar) in the blood. It helps the body use and store glucose for energy.
Insulin also plays a role in the metabolism of fats and proteins. People with diabetes either do not produce enough insulin or their bodies do not respond properly to insulin, leading to high blood sugar levels.
How much does insulin cost in Malaysia?
According to a report by The Star, the cost of insulin in Malaysia ranges from RM 50 to RM 300 per vial, depending on the type and brand.
It is important to note that the cost may vary depending on the location and the pharmacy.
It is recommended to consult with a healthcare professional or pharmacist for accurate pricing information.
Is insulin in Malaysia considered cheap or expensive?
According to a report by the International Diabetes Federation, the cost of insulin in Malaysia is relatively affordable compared to other countries.
The report states that the average cost of insulin per person per year in Malaysia is around $200, which is lower than the global average of $600.
However, the cost may vary depending on the type of insulin and the brand.

Which one is the top insulin that I can use in Malaysia?
We cannot access current market data or sales figures to determine the top insulin in Malaysia.
It is best to consult a healthcare professional or conduct market research to obtain accurate and up-to-date information.
What to look for if I want to find the best insulin in Malaysia?
Here are some factors to consider when looking for the best insulin in Malaysia:

Type of insulin: There are different types of insulin available, such as rapid-acting, long-acting, and combination insulin. The best insulin for you will depend on your individual needs and medical condition.
Brand reputation: Look for insulin brands that have a good reputation for quality and effectiveness. You can ask your doctor or pharmacist for recommendations.
Price: Insulin can be expensive, so consider the cost when choosing a brand. Some brands may be more affordable than others.
Availability: Make sure the insulin you choose is readily available in Malaysia. You don’t want to run out of insulin or have difficulty finding it when you need it.
Side effects: All medications have potential side effects, so be sure to discuss any concerns with your doctor. Some insulin brands may have fewer side effects than others.
Delivery method: Insulin can be delivered through injections or insulin pumps. Consider which method is most convenient and comfortable for you.
Dosage flexibility: Some insulin brands may offer more flexibility in dosing than others. This can be important if you have a variable schedule or need to adjust your insulin dose frequently.

The best insulin for you will depend on your individual needs and medical condition. Consult with your doctor or healthcare provider to determine the best insulin for you.

What should I do before deciding to buy and use insulin in Malaysia?
Here are some general steps that one can take before deciding to use insulin in Malaysia:

Consult with a healthcare professional: Before starting insulin therapy, it is important to consult with a healthcare professional, such as a doctor or endocrinologist. They can assess your condition and determine if insulin is necessary and what type would be best for you.
Understand the risks and benefits: Insulin therapy can be effective in managing diabetes, but it also comes with risks and potential side effects. It is important to understand the benefits and risks of insulin therapy before making a decision.
Consider lifestyle changes: In some cases, lifestyle changes such as diet and exercise may be enough to manage diabetes without insulin therapy. It is important to consider these options before deciding to use insulin.
Research insurance coverage: Insulin therapy can be expensive, so it is important to research insurance coverage and options for financial assistance.
Educate yourself: It is important to educate yourself about insulin therapy, including how to properly administer insulin, monitor blood sugar levels, and manage potential side effects. This can help ensure that you are using insulin safely and effectively.


Home / Language Insights

Play Victim in Malay

You may have heard the word ‘play victim’ before. You may also have used the term ‘play victim’ too.
But what does it really mean?
What is the meaning of play victim in Malay?
The meaning of “play victim” in Malay can be translated as “acah-acah jadi mangsa”, “berlakon jadi mangsa” or “berperanan sebagai mangsa”.
How do I use ‘play victim’ in a sentence in Bahasa Melayu?
Here are some examples on how to use ‘play victim’ in daily conversations:
1. Janganlah selalu acah-acah jadi mangsa dalam situasi ini. (Don’t always play victim in this situation.)2. Dia suka berlakon jadi mangsa apabila ada masalah. (He likes to play victim whenever there’s a problem.)3. Janganlah cuba acah-acah jadi mangsa untuk mengelakkan tanggungjawab. (Don’t try to play victim to avoid taking responsibility.)
What is the meaning of ‘play victim’ in simple English?
To “play victim” refers to a behavior where someone portrays themselves as a victim or acts as if they are being unfairly treated or harmed by others, often for personal gain or to avoid taking responsibility for their actions.
This term is commonly used to describe individuals who manipulate situations or exaggerate their suffering in order to gain sympathy, attention, or to manipulate others into feeling guilty or providing them with special treatment.
People who play victim often avoid accountability and may use their victim status to deflect blame or avoid consequences.

How do I pronounce ‘play victim’ in British English?
In British English, the word “play victim” is pronounced as:
/play/ – rhymes with “say”/vik-tim/ – rhymes with “pick him”
So, it is pronounced as “play” followed by “victim.”
What are the related terms of ‘play victim’
1. Manipulation: This term refers to the act of using the “play victim” strategy as a means of manipulating others. It involves pretending to be a victim in order to gain sympathy, attention, or to avoid taking responsibility for one’s actions.

2. Attention-seeking: This term describes the behavior of individuals who constantly seek attention by portraying themselves as victims. They may exaggerate or fabricate their problems to gain sympathy and be the center of attention in social situations.
3. Victim mentality: This term refers to a mindset in which individuals consistently perceive themselves as victims, regardless of the circumstances. They tend to blame others for their problems and avoid taking personal responsibility for their actions.
4. Emotional manipulation: This term describes the act of using emotional tactics to control or influence others. When someone plays the victim, they may manipulate others’ emotions by eliciting sympathy or guilt to get what they want.
5. Martyr complex: This term refers to a psychological condition in which individuals believe they are constantly being persecuted or victimized. They may intentionally put themselves in situations where they can play the victim, seeking validation and sympathy from others.

6. Gaslighting: This term describes a manipulative tactic where someone distorts or denies another person’s reality, making them question their own sanity or perception of events. When playing the victim, individuals may use gaslighting techniques to make others doubt their own experiences or feelings.
7. Victim-blaming: This term refers to the act of holding the victim responsible for the harm they have suffered. In the context of playing the victim, individuals may use victim-blaming as a defense mechanism to avoid taking responsibility for their actions or to shift blame onto others.
8. Emotional blackmail: This term describes a manipulative behavior where someone uses emotional pressure, threats, or guilt to control or manipulate others. When playing the victim, individuals may resort to emotional blackmail to make others feel guilty or responsible for their problems.
9. Pity party: This term refers to a situation where someone deliberately seeks sympathy and attention by constantly complaining about their problems or portraying themselves as a victim. They may organize events or conversations solely to gain pity from others.

10. Victim playing: This term is synonymous with “play victim” and refers to the act of portraying oneself as a victim to gain sympathy, manipulate others, or avoid accountability. It involves intentionally adopting a victim role to elicit a desired response from others.


Home / Finance

What Is ASB Financing

You may have heard about ASB financing or ASB loan. Some say it’s worth it, even though you have to pay back quite a substantial amount every month, for a very long time. Some say not worth it, and withdraw it just a few months in.
So, what is ASB financing? Is the ASB loan still worth it?
ASB financingWhat is ASB financing?Is ASB financing still worth it?Who is eligible for ASB financing?What is the difference between ASB and ASNB?How do I pay my ASB financing?What is the maximum limit for ASB?
What is ASB financing?
ASB financing refers to a loan scheme that enables individuals to invest in Amanah Saham Bumiputera (ASB), a premier unit trust investment fund, by leveraging borrowed funds from financial institutions.
This type of financing is designed specifically for Malaysian Bumiputera, an indigenous group allocated certain privileges under the constitution.
The primary objective of this initiative is to encourage long-term savings among participants and facilitate wealth accumulation through investments in a diversified portfolio of assets.
The functioning of ASB financing involves borrowing from banks or other financial institutions and investing the loan amount directly into the ASB fund.
The profit generated from these investments is then used to service the loan installments, with any surplus serving as profit for the investor.
It’s noteworthy that the interest rate on such loans usually fluctuates based on market conditions, which can impact returns.

However, due to its potential for high yields, ASB financing remains an attractive investment strategy among eligible Malaysians despite its inherent risks.
Is ASB financing still worth it?
Evaluating the value and worthiness of Amanah Saham Bumiputera (ASB) loans in the current economic climate necessitates a thorough understanding of its risks, benefits, and potential returns.
ASB financing has been traditionally perceived as a low-risk investment vehicle due to its relatively consistent dividend payouts, underwritten by government-backed securities.
However, like any financial instrument, it is only partially devoid of risk. The primary risk associated with ASB financing is the potential for interest rates to rise above dividend yields, resulting in negative earnings for investors.

Moreover, fluctuations in market conditions could potentially impact the fund’s performance.
In terms of potential returns, historical trends suggest that ASB financing can provide favourable returns compared to other investments within similar risk profiles.
This primarily stems from its unique structure that allows investors to leverage borrowed funds to purchase additional units within the fund – a feature not commonly seen in conventional savings or fixed deposit accounts.
Additionally, despite ongoing discussions about diminishing returns on ASB loans amidst changing market dynamics and regulatory shifts, many argue that these instruments still provide reasonable assurance of steady income generation over an extended period.

Henceforth, while it remains essential for each investor to assess their individual financial goals and risk tolerance before engaging with such products, evidence suggests that ASB financing may continue to hold value in today’s economic landscape under certain circumstances.
Who is eligible for ASB financing?
Eligibility for this type of investment instrument is typically confined to Bumiputera individuals – an indigenous group in Malaysia. ASB financing, a popular scheme provided by local banks, offers financial support to these individuals interested in investing in Amanah Saham Bumiputera (ASB) units but lacking the initial capital.
The Malaysian government introduced this initiative with intentions to foster economic participation and wealth accumulation among the Bumiputera community. To be eligible for ASB financing, prospective investors must meet certain criteria such as age limit and income level.
In addition to being a Bumiputera, there are other criteria that applicants must fulfill.

Typically, one must be from 18 to 65 years old and have a stable income source.
This regular income could come from employment or self-employment; however, it should be sufficient enough to cover monthly instalments toward the loan repayment. Other factors that may affect eligibility include credit rating and existing liabilities.
Eligibility CriteriaDescriptionAgeBetween 18 and 65 years oldIncome LevelStable source of income either through employment or self-employmentCredit RatingGood credit history with no record of default payments on any loan commitments
This table summarizes the key criteria necessary for securing ASB financing. It is crucial that potential investors understand these requirements before embarking on their investment journey with ASB financing.
What is the difference between ASB and ASNB?
Understanding the distinction between Amanah Saham Bumiputera (ASB) and Amanah Saham Nasional Berhad (ASNB) is important for potential investors, as these entities offer different financial products and services.

ASB refers to a unit trust fund specifically designed for Malaysia’s Bumiputera community, offering a savings platform with dividends that are typically higher than conventional fixed deposit rates.
On the other hand, ASNB represents the management company behind several fixed-price funds, including ASB itself.
While both ASB and ASNB are geared towards promoting investment among Malaysians, they differ in terms of their structure and target demographics. Here are some key differences:

Eligibility: While every Malaysian can invest in most of the funds managed by ASNB, ASB is exclusively available to Bumiputeras.
Types of Funds: Whereas ASNB manages several unit trust funds including variable price funds and fixed price funds such as the ASN Equity 2; ASB is solely a fixed price fund.
Dividend Distribution: For most of its funds, ASNB distributes dividends annually while dividends for the more popularly known fund i.e., the Amanah Saham Bumiputera (ASB), has historically been distributed on a monthly basis.

How do I pay my ASB financing?
Making payments towards unit trust investments, such as those managed by Amanah Saham Bumiputera (ASB), involves a straightforward process that can be completed through various methods including online transfers, automatic debits from a bank account, or in-person transactions at designated payment centers.
This offers flexibility and convenience to investors who wish to make payments on their ASB financing.
Online banking platforms typically provide an option for making direct payments towards ASB financing accounts. It allows investors to easily transfer funds from their bank accounts to their investment accounts at any time.
Moreover, another method of payment is via standing instruction where the bank automatically deducts a predetermined amount from an investor’s account monthly and credits it into their ASB financing account.
Additional options include over-the-counter services at designated financial institutions or post offices where investors can pay manually.
However, it is important for all potential investors in this scheme to understand thoroughly each payment method available before deciding on the most suitable one.
Payment MethodDescriptionOnline TransferAllows direct payment of funds from your personal bank account to your ASB financing account using internet banking servicesAutomatic DebitThe bank automatically deducts a pre-determined amount monthly from the investor’s savings/current account and credits it into the investor’s ASB financing accountOver-The-Counter ServicesInvestors make manual payments at designated financial institutions or post officesStanding InstructionAlso known as auto-debit arrangement – This service authorizes your bank/financial institution to make regular scheduled payments towards your ASB financing when you set up an automatic deduction plan with them
What is the maximum limit for ASB?
The maximum investment limit permitted for unit trust schemes managed by Amanah Saham Bumiputera is subject to specific guidelines set by the financial institution.
These guidelines are established in accordance with stipulated norms and principles determined by the Malaysian government, designed to ensure fair access and distribution of funds among all eligible investors.
It is important to note that these limits may vary depending on the specific type of ASB financing scheme chosen by an investor.
To provide further clarity on this matter, it may be beneficial to enumerate certain key facts about ASB financing’s maximum limit:

The usual upper threshold for individual investors in most ASB schemes is 200,000 units. However, exceptions can be made based on individual circumstances and the discretion of Amanah Saham Bumiputera.
For minors (those under 18 years old), parents or legal guardians can open an account on their behalf with a maximum limit of 50,000 units per minor.
There are also special provisions for senior citizens above the age of 55 years who wish to invest in these unit trusts. They are allowed a higher number of units as compared to general investors, reflecting the government’s intention to promote financial security among senior citizens.

These specifications offer potential investors a clearer understanding regarding limitations imposed upon ASB investment unit acquisition which ultimately assists them in making well-informed decisions regarding their finances.


Home / Finance

How To Make Passive Income In Malaysia

Passive income refers to earnings that are generated with minimal effort or active involvement from the individual receiving it. It is a popular concept among individuals seeking financial independence and security, as it allows for a steady stream of income without the need for constant work or supervision.
In Malaysia, there are various avenues through which one can generate passive income, ranging from real estate investments to online businesses and stock market dividends.
Passive income MalaysiaUnderstanding Passive Income and Its BenefitsReal Estate Investment Opportunities in MalaysiaCreating and Monetizing a Blog or WebsiteBuilding an Online Store and Selling ProductsInvesting in Stocks and DividendsRental Income from Property InvestmentsAffiliate Marketing and Earning CommissionCreating and Selling Digital Products or CoursesPeer-to-Peer Lending and CrowdfundingBuilding a Portfolio of Royalty-based Income Streams
Understanding Passive Income and Its Benefits
Passive income refers to earnings generated from assets or ventures in which an individual is not actively involved, offering the advantage of a steady stream of income without requiring constant effort or time commitment.
Unlike active income, which requires direct involvement and exchange of time for money, passive income allows individuals to earn money while they sleep or engage in other activities.
This type of income can be derived from various sources such as real estate investments, dividend-paying stocks, interest from savings accounts, royalties from creative works, and online businesses.
One significant benefit of passive income is the potential for financial freedom.
By establishing multiple streams of passive income, individuals can create a reliable source of funds that can cover their living expenses without relying solely on a traditional job.
This financial independence enables individuals to have more control over their time and pursue their passions rather than being tied down by the constraints of a regular 9-to-5 job.

Additionally, passive income provides a sense of security as it diversifies one’s sources of revenue and reduces dependence on a single-income stream.
It acts as a safety net during economic downturns or unforeseen circumstances such as job loss or medical emergencies by providing ongoing cash flow despite any disruptions in active employment.
Real Estate Investment Opportunities in Malaysia
One promising avenue for long-term financial growth in Malaysia lies within the realm of real estate investment opportunities. With a booming property market and increasing demand for housing, investing in real estate can be a lucrative option for individuals looking to generate passive income.
The Malaysian government has introduced various initiatives and incentives to attract both local and foreign investors, making it an attractive market for those seeking stable returns on their investments.

One of the reasons why real estate investment is considered a viable option in Malaysia is due to the country’s robust economic growth and urbanization. Rapid urban development has led to an increased demand for residential and commercial properties, creating ample opportunities for investors.
Additionally, Malaysia’s strategic location in Southeast Asia makes it an ideal destination for foreign investors who are looking to tap into the growing Asian market.
Furthermore, the Malaysian government has implemented policies such as the Real Property Gains Tax (RPGT) exemption and various tax incentives to encourage investment in real estate.
These measures aim to stimulate economic growth and attract more capital into the property sector. Moreover, with affordable property prices compared to other countries in the region, investors can enter the market at a relatively lower cost.

Real estate investment offers significant potential for generating passive income in Malaysia. The country’s strong economic growth, urbanization trends, and favorable government policies make it an attractive market for both local and foreign investors.
By carefully selecting properties based on location, potential rental yield, and capital appreciation prospects, individuals can benefit from long-term financial stability through real estate investments.
Creating and Monetizing a Blog or Website
Creating and monetizing a blog or website can serve as a profitable venture, offering individuals the opportunity to generate revenue through various means such as advertising, sponsored content, and affiliate marketing. By creating engaging and valuable content that attracts a substantial audience, bloggers and website owners can leverage their platform to earn income.
One way to monetize a blog or website is through advertising. This involves displaying ads on the site, either through pay-per-click (PPC) programs like Google AdSense, Mediavine, Raptive or direct partnerships with advertisers.

As traffic increases, the potential for ad revenue also grows.
Another method of generating income from a blog or website is through sponsored content. Brands and companies may approach bloggers or site owners to create sponsored posts that promote their products or services. In return for featuring these sponsored posts, bloggers receive compensation. However, it is essential for bloggers to ensure transparency by clearly labeling sponsored content as such to maintain trust with their audience.
Affiliate marketing is yet another avenue for generating passive income through blogs or websites. With affiliate marketing, bloggers promote products or services on their platform using unique referral links. When readers click on these links and make a purchase, the blogger earns a commission from the sale. Building credibility and establishing trust with the audience are crucial in effectively promoting affiliate products.
To evoke emotion in the audience regarding creating and monetizing a blog or website in Malaysia:

Excitement: Imagine being able to turn your passion into profit by sharing your knowledge and insights with others online.
Motivation: Discover how you can achieve financial independence by leveraging your writing skills and online presence.
Hope: Unlock new opportunities for generating passive income that can provide you with more freedom and flexibility in life.
Empowerment: Take control of your financial future by embracing the possibilities offered by blogging and website monetization strategies.

These emotions can inspire individuals to explore this lucrative avenue of earning passive income while showcasing their expertise in a particular niche.
Building an Online Store and Selling Products
Building an online store and selling products provides individuals with a platform to expand their business reach and tap into a global market. With the increasing popularity of e-commerce, creating an online store has become more accessible than ever before. Online stores allow businesses to showcase their products or services to a wide audience, breaking through geographical boundaries and time constraints. Moreover, they offer convenience for both the seller and the buyer, as transactions can be easily conducted from anywhere at any time.
To further understand the benefits of building an online store, it is essential to explore its advantages for both sellers and buyers.
For sellers, operating an online store eliminates the need for physical storefronts, reducing overhead costs such as rent and utilities. Additionally, it opens up opportunities for scalability as there are no limitations on shelf space or inventory capacity.
Furthermore, an online store enables businesses to gather valuable data on customer behavior and preferences through analytics tools. On the other hand, buyers benefit from the convenience of shopping at their own pace without leaving their homes.
They have access to a wide range of products from various vendors worldwide while enjoying personalized recommendations based on their browsing history.
Advantages for SellersAdvantages for BuyersReduced overhead costsConvenience in shoppingScalabilityAccess to a wide range of productsData collectionPersonalized recommendations
Building an online store offers numerous advantages for individuals looking to generate passive income in Malaysia by selling products. It allows businesses to expand their reach beyond local markets and cater to customers worldwide.
The convenience it provides benefits both sellers and buyers alike, making it a lucrative avenue for generating passive income in today’s digital age.
Investing in Stocks and Dividends
Investing in stocks and dividends presents a lucrative opportunity for individuals seeking to grow their wealth through financial markets.
By purchasing shares of stock in publicly traded companies, investors can participate in the ownership and potential profits of these businesses.
Dividends are a portion of a company’s earnings that are distributed to its shareholders on a regular basis, often quarterly or annually. These dividends can provide a steady stream of passive income for investors.
One advantage of investing in stocks is the potential for capital appreciation. As companies grow and become more profitable, the value of their stock can increase, allowing investors to sell their shares at a higher price than what they initially paid.
This capital gain can significantly contribute to an individual’s wealth accumulation over time.
Additionally, many companies offer dividend payments as a way to reward their shareholders. These dividends are typically paid out regularly and can provide a consistent source of income for investors.
To further understand the intricacies of investing in stocks and dividends, it is important to consider two key aspects:

Diversification: Investing in various stocks across different industries helps spread the risk associated with individual company performance. By diversifying one’s portfolio, losses from underperforming stocks may be offset by gains from others.
Research and analysis: Before making any investment decisions, thorough research on individual companies’ financials, market trends, and future prospects is crucial. Analysing factors such as revenue growth, profitability ratios, competitive advantages, and management competence allows investors to make informed choices when selecting stocks.

By considering these factors and diligently monitoring one’s investments over time, individuals have the potential to generate passive income through stock investments while participating in the growth of successful businesses.
Rental Income from Property Investments
Generating rental income from property investments is a viable strategy for individuals seeking to diversify their investment portfolio and establish a consistent stream of revenue.
Property investments offer the potential for long-term passive income, as rental properties can provide regular cash flow through tenants’ monthly payments.
Additionally, property values tend to appreciate over time, allowing investors to benefit from capital gains when they decide to sell the property.
Investing in rental properties offers several advantages over other forms of passive income especially in upmarket area such as Mont Kiara, Bukit Jelutong, Setia Alam, just to name a few.
Firstly, real estate investments have the potential for higher returns compared to traditional fixed-income investments such as bonds or savings accounts.
Rental properties can generate steady cash flow that often exceeds the interest earned from these conservative investment options.
Secondly, property investments provide a hedge against inflation as rental income tends to increase with rising living costs. This ensures that investors can maintain the purchasing power of their earnings over time.
Lastly, owning rental properties allows investors to take advantage of tax benefits such as deductions on mortgage interest payments and expenses related to maintaining and managing the property.
Overall, generating rental income from property investments presents an attractive opportunity for individuals looking to build wealth and create a sustainable source of passive income.
With careful research and due diligence in selecting suitable properties and managing tenants effectively, investors can enjoy consistent cash flow while benefiting from potential capital appreciation in real estate markets.
Affiliate Marketing and Earning Commission
Transition from the previous subtopic of rental income to the current subtopic of affiliate marketing and earning commission:
Moving on from discussing rental income, another popular method for generating passive income in Malaysia is through affiliate marketing.
Affiliate marketing involves promoting products or services offered by other companies and earning a commission for each successful referral or sale made through your unique affiliate link.
This form of online marketing has gained significant traction in recent years due to its potential for individuals to earn passive income without the need for substantial capital investment.
Affiliate marketing functions through a mutually beneficial partnership between an affiliate (the marketer) and a merchant (the product/service provider).
The affiliate promotes the merchant’s offerings through various digital platforms such as websites, blogs, social media, or email marketing.
By including their unique affiliate links within their promotional content, affiliates can track any sales generated from their referrals.
In return for driving customers to the merchant’s website and increasing sales, affiliates receive a predetermined commission percentage or fixed amount per sale.
To further understand how affiliate marketing works and its potential as a passive income stream, consider the following table that highlights key aspects of this business model:
AspectsDescriptionLow startupAffiliate marketing requires minimal upfront investment as you don’t need to create your own products or services.FlexibilityAffiliates have the freedom to choose which merchants they want to partner with and which products/services to promote.ScalabilityWith effective strategies and increased traffic generation, affiliates can expand their reach and potentially earn higher commissions over time.Passive Income PotentialOnce set up with relevant content promoting affiliate offers, affiliates can generate passive income even while sleeping or taking time off.Competitive MarketDue to its popularity, competition among affiliates can be intense in certain niches; therefore, standing out requires creativity and effort.
By engaging in affiliate marketing, individuals in Malaysia can tap into a global market and leverage their online presence to earn passive income.
However, it is important to note that success in this field requires dedication, continuous learning, and the ability to adapt to changing market trends.
Creating and Selling Digital Products or Courses
Digital products and courses provide individuals with an opportunity to monetize their expertise and knowledge by creating educational materials that can be sold online.
In today’s digital age, many people are seeking ways to learn new skills or gain knowledge through convenient and accessible platforms.
By creating digital products such as e-books, online courses, or instructional videos, individuals can tap into this demand and generate passive income.
Creating digital products or courses allows individuals to leverage their unique skills and experiences to cater to a specific target audience.
For example, someone with expertise in graphic design can create an e-book on advanced design techniques, while a fitness enthusiast can develop an online course on effective workout routines.
These educational materials can be sold through various online platforms like websites or marketplaces specifically designed for selling digital products.
 The advantage of this approach is that once the initial creation process is complete, the product can be sold repeatedly without requiring additional effort from the creator.
Additionally, digital products and courses offer scalability as they are not constrained by physical limitations.
Unlike traditional brick-and-mortar establishments with limited capacity for students or customers, digital products can reach a global audience without geographical restrictions.
This means that individuals can potentially earn passive income from customers located anywhere in the world.
Furthermore, with advancements in technology and online marketing strategies, it has become easier for creators to promote their digital products effectively and attract a larger customer base.
Creating and selling digital products or courses provides individuals with a lucrative opportunity to generate passive income by leveraging their expertise.
With the increasing demand for online learning platforms and easily accessible educational materials, there is ample scope for individuals to monetize their knowledge through these mediums.
The scalability of these digital offerings allows creators to reach a wide audience globally while minimizing additional efforts after the initial creation process.
Overall, venturing into the world of creating and selling digital products or courses presents an attractive avenue for those looking to establish passive income streams in Malaysia.
Peer-to-Peer Lending and Crowdfunding
Peer-to-peer lending and crowdfunding have emerged as alternative funding options that connect individuals looking for loans or investment opportunities with potential lenders or investors.
These platforms have gained popularity in Malaysia due to their ability to provide passive income opportunities for both borrowers and lenders.
One benefit of peer-to-peer lending and crowdfunding is the potential for higher returns compared to traditional forms of investing.
By cutting out the middleman, such as banks or financial institutions, borrowers can access funds at lower interest rates, while lenders can earn higher interest rates on their investments.
This allows individuals to diversify their investment portfolios and potentially earn passive income through regular repayments from borrowers.
In addition, peer-to-peer lending and crowdfunding offer a more inclusive approach to finance by providing access to capital for underserved individuals or small businesses.
These platforms often have less strict eligibility criteria than traditional lenders, making it easier for borrowers who may not qualify for bank loans to secure funding.
Similarly, crowdfunding allows entrepreneurs or startups to raise capital directly from the public without relying solely on venture capitalists or angel investors.
Other advantages include:

Transparency: Peer-to-peer lending and crowdfunding platforms provide transparent information about the borrower’s creditworthiness and track record.
Flexibility: Borrowers can choose loan terms that suit their needs, while lenders can select projects they want to invest in.
Diversification: Investors can spread their risk by lending small amounts to multiple borrowers or investing in various crowdfunding projects.
Social Impact: Crowdfunding campaigns often support social causes or innovative projects that may not receive traditional funding.

Overall, peer-to-peer lending and crowdfunding present attractive opportunities for Malaysians seeking passive income through alternative investment avenues. However, it is important for individuals to thoroughly research these platforms and understand the associated risks before participating in such activities.
Building a Portfolio of Royalty-based Income Streams
One effective strategy for diversifying investment portfolios and generating consistent income is through the development of a collection of royalty-based income streams.
Royalty-based income refers to earnings generated from the use or sale of intellectual property, such as patents, copyrights, trademarks, or licenses.
By investing in these types of assets, individuals can earn passive income without actively participating in day-to-day operations.
To better understand the potential benefits and risks associated with building a portfolio of royalty-based income streams, it is helpful to examine a comparison between traditional investments and this alternative approach:
Traditional InvestmentsRoyalty-Based Income StreamsPotential for capital appreciation over timePotential for ongoing passive incomeSubject to market fluctuations and economic conditionsRelatively stable income streamRequires active management and monitoringMinimal involvement once assets are acquired
By focusing on building a portfolio that includes various forms of royalty-based income, investors can reduce their reliance on traditional investments such as stocks or bonds.
This diversification allows for more stability in earnings and provides an additional source of revenue that is not solely dependent on market performance.
However, it is important to note that like any investment strategy, there are risks involved. The value of intellectual property can fluctuate based on demand and market trends.
Therefore, thorough research and due diligence should be conducted before investing in specific royalties or licensing opportunities.


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Insecure in Malay

You may have heard the word ‘insecure’ before. You may also have used the term ‘insecure’ too.
But what does it really mean?
What is the meaning of insecure in Malay?
The meaning of “insecure” in Malay is “tidak selamat” or “kurang yakin”.
How do I use the word ‘insecure’ in Malay?
Here are some examples of the usage of the word ‘insecure’ in colloquial daily conversations and proper sentence in Bahasa Melayu:

“Awek dia cantik gila dohhhh, aku rasa insecure gilaaa”
“Aku pakai selebet macam ni, rasa insecure betul nak keluar”
Saya rasa tidak yakin dengan kemampuan saya untuk bercakap di khalayak ramai. (I feel insecure about my ability to speak in public.)
Dia sering merasa tidak yakin dengan penampilannya. (He often feels insecure about his appearance.)
Saya merasa tidak yakin dengan keputusan yang telah saya buat. (I feel insecure about the decisions I have made.)

What is the meaning of ‘insecure’ in simple English?
The term “insecure” can have multiple meanings depending on the context. Here are a few common definitions:

Emotional Insecurity: In this sense, being insecure refers to a lack of self-confidence or a feeling of uncertainty about oneself. It often involves feelings of self-doubt, inadequacy, or a fear of being judged or rejected by others. People who are emotionally insecure may constantly seek validation or reassurance from others to feel better about themselves.
Relationship Insecurity: This refers to a lack of confidence or trust in a romantic relationship. It can manifest as jealousy, possessiveness, or a constant fear of being abandoned or betrayed by one’s partner. Relationship insecurity often stems from past experiences, low self-esteem, or a lack of effective communication and trust within the relationship.
Information Security: In the realm of technology and cybersecurity, being insecure refers to vulnerabilities or weaknesses in computer systems, networks, or software that can be exploited by unauthorized individuals or malicious software. In this context, an insecure system is more susceptible to unauthorized access, data breaches, or other cyber threats.

The term “insecure” can have different meanings depending on the context, so it’s essential to consider the specific context in which it is being used to fully understand its definition.
How do I pronounce ‘insecure’ in British English?
In British English, the word “insecure” is typically pronounced as in-si-KYUR. The stress is on the second syllable, and the “c” is pronounced as a “k” sound.
What are the related terms of ‘insecure’
1. Anxiety: A feeling of unease or worry, often accompanied by physical symptoms such as restlessness or rapid heartbeat. In the context of insecurity, anxiety can arise from a lack of confidence or fear of judgment.

2. Self-doubt: A lack of confidence in one’s abilities or worth. Insecurity often leads to self-doubt, causing individuals to question their decisions, skills, or value.
3. Inferiority complex: A persistent feeling of being inadequate or less capable than others. This term refers to a deep-rooted belief of being inferior, often resulting from past experiences or comparisons with others.
4. Social comparison: The act of evaluating oneself in relation to others. Insecurity can lead individuals to constantly compare themselves to others, often resulting in negative self-perception and feelings of inadequacy.
5. Rejection sensitivity: A heightened sensitivity to perceived rejection or criticism. Insecure individuals may be more prone to interpreting neutral or ambiguous situations as rejection, leading to emotional distress.

6. Imposter syndrome: A psychological pattern where individuals doubt their accomplishments and fear being exposed as a fraud. Insecurity can contribute to imposter syndrome, causing individuals to believe they are not as competent as others perceive them to be.
7. Body image issues: Negative perceptions and feelings towards one’s physical appearance. Insecurity can manifest as body image issues, leading to low self-esteem and a constant desire to meet societal beauty standards.
8. Trust issues: Difficulty in trusting others due to fear of betrayal or abandonment. Insecurity can make it challenging for individuals to establish and maintain trust in relationships, often resulting in emotional distance or skepticism.
9. Perfectionism: A tendency to set excessively high standards for oneself and fear of making mistakes. Insecurity can drive individuals to strive for perfection, fearing that any imperfection will confirm their inadequacy.

10. Defensive behavior: Reacting with hostility or defensiveness when feeling threatened or criticized. Insecurity can cause individuals to become defensive as a way to protect themselves from perceived attacks on their self-worth.


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Cringe in Malay

You may have heard the word ‘cringe’ before. You may also have used the term ‘cringe’ too.
But what does it really mean?
What is the meaning of cringe in Malay?
The word “cringe” does not have a direct translation in Malay.
For a proper context, usually, it’s being said with a sound “eeeee”, “adehhhhh” or “weiiiii”.
The term “cringe” is often used in Malay conversations as well, and it is commonly understood to mean feeling embarrassed, uncomfortable, or awkward in response to something.
How to write a sentence in Bahasa Melayu using the word ‘cringe’?
1. “Tadi aku tengok video tu, memang cringe gila lah!” (Earlier, I watched that video, it was really cringe!)2. “Kawan aku selalu buat benda-benda cringe depan orang ramai.” (My friend always does cringey things in front of a crowd.)3. “Aku tak boleh tahan tengok dia nyanyi, suara dia memang cringe habis!” (I can’t stand watching him sing, his voice is totally cringe!)
What is the meaning of ‘cringe’ in simple English?
The term “cringe” is often used to describe a feeling of embarrassment, discomfort, or secondhand embarrassment that arises from witnessing or experiencing something awkward, awkwardly funny, or socially awkward.
It can refer to situations, actions, behaviors, or even certain types of humor that make people feel uneasy or embarrassed on behalf of someone else.

The feeling of cringe can vary from person to person, but it generally involves a sense of discomfort or awkwardness.
How do I pronounce ‘cringe’ in British English?
In British English, the word “cringe” is typically pronounced as /krɪn(d)ʒ/.
The “i” is pronounced as in “sit” and the “e” is pronounced as in “bed.” The “ng” sound is similar to the “ng” in “sing.”
What are the related terms of ‘cringe’

Awkward: Refers to a situation or behavior that is uncomfortable, embarrassing, or lacking grace. It often involves social interactions where individuals feel uneasy or out of place.
Embarrassing: Describes situations or actions that cause feelings of shame, humiliation, or discomfort. It can be related to personal mishaps, public failures, or social blunders.
Uncomfortable: Refers to situations or experiences that make individuals feel uneasy, anxious, or awkward. It can be caused by various factors such as social pressure, unfamiliarity, or being in an inappropriate environment.
Cringeworthy: Similar to “cringe,” this term describes something that is so embarrassing, awkward, or uncomfortable that it elicits a strong negative reaction. It often refers to actions, statements, or situations that are difficult to watch or endure.
Socially inept: Describes individuals who lack social skills or struggle to navigate social interactions effectively. It often leads to awkward or cringe-inducing behavior in various social settings.
Facepalm: A gesture or expression used to convey frustration, embarrassment, or disbelief. It is often used when witnessing or experiencing something cringeworthy or absurd.
Secondhand embarrassment: Refers to the feeling of embarrassment or discomfort experienced on behalf of someone else. It occurs when witnessing someone’s embarrassing or cringe-inducing actions, even if you are not directly involved.
Toe-curling: Describes situations or actions that are so cringeworthy or embarrassing that they make you physically uncomfortable. It often refers to witnessing or experiencing something extremely awkward or embarrassing.
Social faux pas: Refers to a breach of social etiquette or an inappropriate behavior that violates social norms. It often leads to feelings of embarrassment or cringe, as it highlights a lack of awareness or understanding of acceptable social behavior.
Trainwreck: A metaphorical term used to describe a situation, event, or person that is chaotic, disastrous, or highly embarrassing. It often implies a sense of inevitability and fascination with the unfolding disaster, leading to cringe-inducing moments.


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Annoying in Malay

You may have heard the word ‘annoying’ before. You may also have used the term ‘annoying’ too.
But what does it really mean?
What is the meaning of annoying in Malay?
The meaning of “annoying” in Malay is “mengganggu” or “menyusahkan”.
How to write a sentence in Bahasa Melayu using the word ‘annoying’?
Here are three ways to write a sentence in Bahasa Melayu using the word ‘annoying’ in English:

“Dia sangat mengganggu dengan sikapnya yang menjengkelkan.” (He/she is very annoying with his/her irritating behavior.)– In this sentence, the word ‘annoying’ is translated as ‘menjengkelkan,’ which means irritating or bothersome. The sentence describes someone’s behaviour as annoying.
“Bunyi itu sangat mengusik dan mengganggu ketenangan saya.” (The sound is very disturbing and annoying my peace.)– Here, ‘annoying’ is translated as ‘mengganggu,’ which means disturbing or bothering. The sentence expresses how a particular sound is disturbing and affecting someone’s peace.
“Perilaku mereka yang selalu mengacau sangat menjengkelkan.” (Their behavior of constantly causing trouble is very annoying.)– In this sentence, ‘annoying’ is translated as ‘menjengkelkan,’ which means annoying or irritating. The sentence highlights how someone’s behavior of always causing trouble is irritating.

These sentences provide different contexts in which the word ‘annoying’ can be used in Bahasa Melayu.
What is the meaning of ‘annoying’ in simple English?
“Annoying” means something or someone that bothers you or makes you feel frustrated or upset.
It’s like when you have a toy that keeps making loud noises or someone interrupts you while you’re playing.
It can make you feel a little bit angry or irritated.

What are the related terms of ‘annoying’?
Here are some terms that are related to ‘annoying’:

Pestering: Continuously bothering or annoying someone with persistent requests or demands. Example: “The children kept pestering their parents for a new toy, even after being told no.”
Irritating: Causing annoyance or frustration. Example: “The constant buzzing of the mosquito was highly irritating during the camping trip.”
Nuisance: Something or someone causing inconvenience or annoyance. Example: “The loud construction work next door was a nuisance for the residents trying to sleep.”
Aggravating: Making a situation more annoying or frustrating. Example: “The slow internet connection was aggravating while trying to stream a movie.”
Grating: Producing an irritating or harsh sound. Example: “The high-pitched screeching of the chalk on the blackboard was grating to the students’ ears.”
Vexing: Causing irritation or annoyance. Example: “The constant delays and cancellations of flights were vexing for the passengers.”
Pestilent: Extremely annoying or troublesome. Example: “The persistent telemarketing calls were pestilent, disrupting the peace of mind of many individuals.”
Bothersome: Causing annoyance or inconvenience. Example: “The loud neighbors were bothersome, making it difficult to concentrate on work.”
Maddening: Infuriating or driving someone to the point of madness. Example: “The never-ending traffic jam was maddening for the commuters stuck on the road.”
Troublesome: Causing difficulty or annoyance. Example: “The malfunctioning printer was troublesome, leading to delays in completing important documents.”


Home / Language Insights

Fudge In Malay

What is the meaning of fudge in Malay?
“Fudge” in Malay means “manisan, ” which refers to a sweet confectionery made from sugar, coconut milk, and rice flour. There’s is no direct traslation in Bahasa Melayu for “fudge”.
However, if you are referring to the English word “fudge” as a type of chocolate or candy, it can be translated as “chocolate fudge”.
What is the definition of ‘fudge’ in English?
Fudge is a type of sweet confectionery that is made by mixing sugar, butter, and milk or cream together and heating the mixture until it reaches a soft, creamy consistency.
Other ingredients such as chocolate, nuts, or fruit can also be added to create different flavors and textures.
Fudge is typically made by boiling the sugar, butter, and milk or cream together until it reaches a temperature of around 240°F (115°C).
This process causes the sugar to dissolve and the mixture to thicken and become caramelized.
Once the mixture has reached the desired consistency, it is removed from the heat and beaten vigorously until it becomes smooth and creamy.
Fudge can be enjoyed in many different ways, such as as a standalone treat, as an ingredient in other desserts, or as a gift for friends and family.

It is often associated with holidays and special occasions, such as Christmas and Valentine’s Day, and is a popular treat at fairs and festivals.
Fudge is a delicious and versatile sweet treat that has been enjoyed by people worldwide for many years.
What is the difference between fudge and brownie?
Fudge is a type of confectionery made primarily from sugar, butter, and milk or cream, cooked to a specific temperature and then cooled to create a smooth, creamy texture. It is often flavored with ingredients like chocolate, vanilla, or various nuts.
Brownies, on the other hand, are a type of baked dessert that falls somewhere between a cake and a cookie in texture.

They are made from a batter that typically includes ingredients like flour, sugar, eggs, butter, and chocolate or cocoa powder. Brownies are usually denser and more cake-like than fudge, although some brownie recipes can be quite fudgy in texture.
The main difference between fudge and brownies is in their ingredients and preparation methods.
Fudge is primarily a sugar-based confectionery, while brownies are a baked dessert made from a mixture of ingredients that include flour and chocolate.
Is fudge softer than chocolate?
Yes, fudge is generally softer than chocolate. Fudge is made by heating sugar, butter, and milk or cream to create a smooth, creamy consistency.

Chocolate, on the other hand, is made from cocoa solids, cocoa butter, and sugar and has a firmer texture when solidified.
Is fudge a sweet or chocolate?
Fudge is a type of sweet, typically made from sugar, butter, and milk or cream.
It is often flavored with chocolate or other ingredients, but it is not considered a chocolate itself.
How do I pronounce the word fudge in British English?
The word “fudge” is pronounced as “fuhj” in British English.

How do I use ‘fudge’ in a sentence in English?
Here are some examples that you can use ‘fudge’ in a sentence:

I love to make homemade fudge during the holidays.
Oh fudge, I forgot my keys at home!
The baker added a generous amount of fudge frosting to the cake.
I had to fudge the numbers a bit to make the budget work.
The politician tried to fudge his way out of answering the tough questions.

What are the related terms of ‘fudge’?
Here are other terms or similar words for ‘fudge’:

Chocolate
Caramel
Nuts
Vanilla
Marshmallow
Peanut butter
Toffee
Rocky road
Maple
Brown sugar