Best Broadband Plans For Your Wallet

There are many ways to experience the internet at home these days. In the past, it used to be dial-up, where you make a ‘phone call’ from your computer to the internet provider and it gives you broadband. Besides performing much faster than dial-up, broadband offers a couple of other key benefits. It’s always connected, so you don’t need to wait for the internet provider to ‘answer your call’, and it allows you to make and receive phone calls on the same line while it’s being used.

The old ADSL broadband (usually referred to as TM’s Streamyx service. But it is actually called non-FTTH and we’ll explain that in a bit) is normally delivered to your home via the phone line so you don’t have to do any extra drilling or installing, while FTTH requires some extra work as its typically delivered through a different line which needs to be installed.

Normally you’ll get a broadband modem and/or router, which allows your computer to use the signal, of course, all this equipment costs the service provider money, so most will lock you into a minimum 12-month contract (for FTTH 24-month contracts are the norm!) to recoup costs. Until the emergence of Fibre to the Home (FTTH), that is. First introduced to the mass market by TM 2 years ago, it is touted to consistently support up to 10Gbps bandwidth and the cost to have this service at home is almost as comparable as the conventional home broadband.

Basically, FTTH is supposed to be faster, more reliable and not necessarily that much more expensive than ADSL broadband.

Sounds like digital dream but we’re not sold until it is available to every home in Malaysia. FTTH is currently being rolled out in stages across the country, with a handful of providers offering plans to the public.

Before we dissect the plans offered by the broadband players to find out which is the cheapest plan you can get, it is worth to note that they will be grouped into FTTH and non-FTTH. We know the agony of living outside FTTH coverage areas, hence the non-FTTH category to fulfill your Internet needs.

Only providers with coverage of at least the Klang Valley and 10 major cities in Malaysia are eligible for this showdown. This means guys like Jaring, VDT and Giga are left out. We will look at the plans in a 24-month context and show you how much money you can actually save by choosing the right plan.

Road warriors and those who don’t need WiFi at home, you’re not #foreveralone. We have a Cheapest Mobile Broadband section especially for you!

Cheapest Fibre To The Home Broadband (the ‘faster’ type)

TIME Fibre Home Broadband and Astro TV Selection

Drawbacks:
 Only available as a bundle with Astro. Only available at Klang Valley and Penang as of writing.

Monthly Fee:
 RM156.88 (10Mbps), RM209.88 (20Mbps), RM262.88 (30Mbps). These prices are solely for Time broadband and are inclusive of GST.

Bundled Monthly Fee:
 And additional RM42.35 to RM164.30 depending on your selection of Astro TV Packages. This package is only available as a bundle. Prices are inclusive of GST.

Contract Period:
 24 months, with an RM100 termination fee for every month remaining.

Speed:
 10Mbps, 20Mbps and 30Mbps

Download Quota:
 Unlimited

Deposit:
 Not required.

Free Equipment:
 Wi-Fi router, optical network unit, Astro PVR decoder and remote control.

The
Time Fibre Home Broadband
 and Astro TV Selection package offers you both Astro IPTV and TIME Fibre Home Broadband in a single subscription. Astro IPTV will be delivered through TIME’s fibre optics cable, which means your TV viewing experience would not be disrupted during storms. This service also enables certain high rise buildings to access HD content.

This subscription comes together with HD channels, over 700 hours of Video on Demand content and unlimited downloads. You get to choose between 3 broadband speed and 4 Astro packages.

If you are just interested in just fibre broadband, check out TIME’s package below.

TIME Fibre 100Mbps Home Broadband

Drawbacks:
 Only available for high rise residential buildings (flats, apartments, and condominiums). Mainly available in Klang Valley, with a few buildings in Pahang, Penang and Johor.

Monthly Fee:
 RM179. Price exlusive of GST.

Contract Period:
 24 months

Speed:
 100Mbps

Download Quota:
 100GB (Both uploads and downloads count towards your quota).

Deposit:
 Not required.

Free Equipment:
 Cisco router worth RM300 (or Linkysys Wi-Fi router), an optical network unit and a DECT cordless phone.

Total Cost over 24-months:
 RM4,296

At 100Mbps, the
TIME Fibre 100Mbps Home Broadband
 is the fastest home internet access in Malaysia. However it comes with a 100GB quota which counts both download and upload usage.

When you have finished your 100GB quota, your home broadband speed would be throttled to 1Mbps. You could purchase extra quota.

The package comes with TIME Voice Home Basic package, but you could upgrade to the TIME Voice Home 10 Plan for RM10 per month to get 2,000 free voice call minutes.

TIME Fibre Unlimited Home Broadband

Drawbacks:
 Only available for high rise residential buildings (flats, apartments, and condominiums). Mainly available in Klang Valley, with a few buildings in Pahang, Penang and Johor.

Monthly Fee:
 RM129 (8Mbps), RM179 (15Mbps), RM279 (30Mbps), RM399 (50Mbps). Price exlusive of GST.

Contract Period:
 12 or 24 months

Speed:
 100Mbps

Download Quota:
 Unlimited.

Installation:
 RM249 for 12-month contract, free for 24-month contract. There is an RM10 stamp duty.

Free Equipment:
 Cisco router worth RM300 (or Linkysys Wi-Fi router), an optical network unit and a DECT cordless phone.

30 hours of free boost per month up to 50Mbps. You can buy additional 50Mbps boost on top of your monthly boost limit.

The package comes with
TIME Voice Home Basic
 package, but you could upgrade to the TIME Voice Home 10 Plan for RM10 per month to get 2,000 free voice call minutes.

Unfortunately, TIME isn’t available everywhere just yet. To find out if they cover your housing are, you can check out TIME Home Broadband’s
availability on their website
 before you sign up.

Maxis Fibre Internet

Drawbacks:
 not available in many areas yet, check availability in your area!

Monthly Fee:
 RM148 (10Mbps), RM198 (20Mbps), RM248(30Mbps). Price exclusive of GST.

Contract Period:
 24 months

Speed:
 10Mbps

Download Quota:
 Unlimited

Upfront Costs:
 RM200 waived for standard installation,RM75 phone service deposit waived

Free Equipment:
 Residential Wi-Fi modem, welcome kit, RM30 worth of Home Voice credit and unlimited free calls to Maxis fixed lines.

For those who lives in landed properties, Maxis is a great alternative. If you are currently using a
Maxis Oneplan
, you could get RM20 off on monthly bill if you sign up for this internet plan.

The installation fee of RM200 is waived, however additional charges incur should you require a non-standard installation. The RM 75 phone service deposit is also waived until further notice. For non-Malaysian residents, a RM 500 fee is applicable.

Maxis is still quite new to the FTTH (HSBB) market, so do
check if your home is hooked up and ready for it first!
. A word of warning: an RM500 termination fee will be charged if you terminate within the contract period.

TM UniFi VIP

Drawbacks:
 mediocre speed; most expensive

Monthly Fee:
 RM157.94 (5Mbps), RM210.94 (10Mbps), RM263.94 (20Mbps). Price inclusive of GST.

Contract Period:
 24 months

Download Quota:
 Unlimited

Upfront Costs:
 None

Free Equipment:
 Broadband Termination Unit (Modem), WiFi Residential Gateway (Router), DECT phone, HyppTV Set-Top Box

TM has the widest coverage area among all, so it may be the only option for many. So what does UniFi VIP offer? You get 5Mbps, 10Mbps or 20Mbp with unlimited quota (until further notice) for RM157.94, RM210.94 or RM263.94. You’ll also get to take RM2 off if you make an autopay subscription. The package comes with a full set of TM Home Internet equipment and HyppTV Channels.

Although there isn’t any upfront cost, you can expect to see an installation fee of RM200 on your first monthly bill but TM often waives this so do ask if a waiver is possible at the time of sign-up. Warning: termination within contract period will be charged with a RM500 and should you relocate your internet connection to a new area, you must pay a relocation fee of RM300.

Cheapest Non-FTTH (ADSL and Mobile-but-use-at-home Broadband)

For people who lives in non- Fibre-ready areas, non-FTTH provides a cost effective solution sometimes without having to sacrifice internet speed.

However, in many cases unlimited downloads are out of the window. As before, only providers with coverage of at least the Klang Valley and 10 major cities in Malaysia are eligible for this showdown. This means guys like Maxis Home Wired and Jaring are left out.

Broadband speed advertisements are not necessarily the same everywhere. It is important that you check the performance level within your area. It is not so much of the max speed but rather, how well your broadband are able to perform in your area. We’ve laid out some worthy plans based on lowest price.

TIME Broadband

Drawbacks:
 not available in many areas yet, check availability in your area.

Monthly Fee:
 RM119 (2Mbps), RM159 (6Mbps), RM219 (12Mbps). Price not inclusive of GST.

Contract Period:
 12 or 24 months

Speed:
 Download speed corresponds to the package of choice. The upload speed for all packages are limited to 2Mbps.

Download Quota:
 Unlimited

Upfront Costs:
 One month fee in advance (refundable), RM150 Activation fee (12 months contract) and RM10 Stamp Duty

Free Equipment:
 Modem, Additional 2Mbps @ 4 hours per day

If Fibre connectivity is not available in your area, then the best ADSL plan in the market would be what you need. The availability of TIME Broadband is limited; not to mention that you’ll need to check for availability in your area. TIME Broadband offers some of the cheapest plans in this category and the download quota for this plan is unlimited.

TIME also offer 12-months contract for TIME Broadband. If you prefer 12-months contract, you need to pay an RM150 activation fee, one month advance fee of RM119 (assuming that you choose 2Mbps) and RM10 stamp duty. So, the total upfront cost you need to pay is RM279.

If the speed is too slow for you, you could get a free boost from TIME. How does it work? You can get additional 2Mbps for 4 hours per day. On top of that, you can get a free modem if you sign up for TIME Broadband.

TM Streamyx BB Deal

Drawbacks:
 Not the cheapest plans for the amount of speed offered.

Monthly Fee:
 RM116.60 (1Mbps), RM137.80 (2Mbps), RM148.40(4Mbps) and RM169.60(8 Mbps). Prices are inclusive of GST.

Contract Period:
 12 months

Download Quota:
 Unlimited

Upfront Costs:
 RM79.50 for activation; RM93.28 for installation (if applicable); First and 2nd month advanced subscription fee; RM10 for stamp duty fee (effective 1st May 07) will be included in the first bill.

Free Equipment:
 Free Wi-Fi modem, TM Wi-Fi ID, cordless phone, free calls to TM Fixed Lines nationwide

TM’s Streamyx broadband
 is the one of the oldest broadband services in Malaysia. Streamyx has also the widest coverage area. The monthly fees are RM2 cheaper if you opt for autopay and if you register online, you can get a free 1-month subscription.

P1 ToGo

Drawbacks:
 Basic plans, which are not really fast but simply adequate for surfing.

Monthly Fee:
 RM62.54 (1Mbps, 5GB quota), RM115.54 (1Mbps, unlimited), RM168.54 (2Mbps, unlimited). Prices are inclusive of GST.

Contract Period:
 24 months

Speed:
 1Mbps

Download Quota:
 Depending on your package, although your speed will be throttled if you exceed 100GB per month.

Upfront Costs:
 RM106 activation fee and advance payment of RM100 to offset the first bill.

Free Equipment:
 Choose from 2 different modems for home usage or 4 different modems for usage on-the-go.

One of the perks of this package is the choice to select a modem for on-the-go usage, which could be of convenience for users who value mobility. P1 ToGo also offers additional discounts, or 1 month of free internet depending on the modem you select. You will be charged with a RM53 registration fee but the total amount will be divided into 5 monthly bills. Therefore, you will pay RM10.60 for the first 5 months. There is an RM200 early termination fee and an extra RM100 fee for termination within 12 months of a 24-month contract.

Cooling-off Period

Before you sign up for a home broadband service, it is important to know if the service provider offers a cooling-off period. A cooling-off period offers a money-back guarantee if you’re not satisfied with the performance within an agreed trial period. A cooling-off period allows you to test the service provider’s internet speed to verify if they are up to the advertised speed and consistency.

As of writing, only
Maxis
 and P1 offers a cooling-off period with their subscriptions.

Heavy Users, Light Users, and Everyone Else in Between

Whatever your internet needs are, be it a no-frills package for light browsing, a powerful fibre broadband for streaming and downloading or a reliable connection for gaming purposes, there is surely a package for you.
Let us find you one with our Fibre and ADSL package comparator
.

Prices and information sourced from the relevant company website and correct as at 20.4.2015.

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Guo Heng

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Maybank Card Centre KLCC Will Cease TREATS On-The-Spot Redemption Service From 1 April 2020

(Image: Foursquare)

Maybank has announced that its TREATS On-The-Spot redemption service at the Maybank Card Centre KLCC will be discontinued starting from 1 April 2020.

Maybank’s TREATS On-The-Spot redemption service lets you redeem certain vouchers and gifts immediately at Maybank Card Centres or selected partner merchants in exchange for TreatsPoints. In some cases, On-The-Spot redemptions cost less TreatsPoints than online redemptions.

After the
discontinuation of the service at Maybank Card Centre KLCC
, you can redeem your rewards from three other Maybank Card Centres:

Maybank Card Centre One Utama

Lot G-341-B, New Wing, 1 Utama Shopping Centre, 47800, Petaling Jaya

Monday – Sunday (10am to 9pm)

Maybank Card Centre The Gardens

S-208B, 2nd Floor, The Gardens Mall, Mid Valley City, 59200, Kuala Lumpur

Monday – Sunday (10am to 9pm)

Maybank Card Centre Menara Maybank

Level 1, Menara Maybank, 100, Jalan Tun Perak, 50050, Kuala Lumpur

Monday – Thursday (9.15am to 4.30pm); Friday (9.15am to 4.00pm)

Alternatively, you can also redeem your points online at
myTREATS
 for a wider selection of vouchers and gifts.

You can earn TreatsPoints via the use of
Maybank credit cards
, such as the popular
Maybank 2 Gold
 and
Maybank 2 Cards Premier
.

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Maybank Card Centre The Gardens

TREATS On-The-Spot Redemption

TreatsPoints

About THE AUTHOR

Alex Cheong Pui Yin

Alex Cheong Pui Yin

Previously covered recruitment-related stories and had a short stint as a copywriter for the property industry. She subsequently developed an interest in investment and robo-advisors.

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HCK Capital Gives Property Buyers Up to 30% X'tra Financing For A Limited Time

With us spending more time at home during the pandemic and remote working, many especially the younger generation might start to think about getting their own property where they can have dedicated space for work and leisure. Moreover,
more Malaysians were keen to purchase property for investment purposes post-Covid-19
, according to the Malaysia Consumer Sentiment Study H2 2020.

While Malaysians’ interest in buying a property has not simmered down during the pandemic, difficulty in securing adequate financing may deter them from realising their goal to own a property, be it for self-stay or investment purposes.

Challenges in securing home loans was in fact one of the issues Malaysians faced most frequently when trying to return to a new normal.

To help you own a home with ease, HCK Capital Group has introduced its X’tra Financing Programme (XF2.0) that allows you to obtain additional bridging loans of up to 30% with no interest payment for up to five years.

Easy Entry With Zero

Down Payment

One of the outcomes of the Covid-19 pandemic includes financial institutions becoming stricter with their lending policy and
banks are expected to remain cautious on loan approvals this year.

Getting sufficient financing may have become more of a challenge these days especially for the younger generation. Aside from financing a loan, property buyers are also typically required to put a minimum 10% down payment for a property of their choice.

With XF2.0, no down payment is required and buyers are only required to get a 70% principal loan from financial institutions to own a home from any participating projects. The XF2.0 gives property purchasers a bridging loan that could amount to 30%.

The exemption of a down payment buys you the extra time needed to save up for a property. If you’re planning to flip the property for gains, zero down payment means you do not need to fork out money beforehand.

Interest-Free Instalment For Comfy Commitment

The inadequacy of affordable housing in the urban areas remains a concern with the rise of housing prices. In fact,
affordability and high prices are among the reasons Malaysians are not buying a property.

As home buyers, we would like to reduce the overall home loan amount as much as possible to ease repayment. After all, financing a home can feel like a life’s journey with loan tenures running up to 35 years.

The XF2.0 offers home buyers interest-free instalment for its bridging loan and low monthly instalments. The instalments will commence once you receive a Notice of Vacant Possession (VP) from the developer, which is basically an official statement to inform you, as the buyer, to take possession of the property.

Attractive HOC Incentives Await

A waiver of upfront fees are beneficial to young home buyers who are eager to own a property but may find it difficult to come up with a huge sum in advance.

Aside from extra financing, HCK Capital’s homebuyers are entitled to the Home Ownership Campaign (HOC)’s benefits. HOC was extended recently for all residential properties registered under HOC 2020/2021.

It will be ending on 31 Dec 2021, so do hurry if you want to take advantage of these extra perks. Some of the incentives offered during the HOC include 100% stamp duty exemption for financing agreement.

Possible Profit Earning Opportunity

As mentioned above, although the pandemic has presented Malaysians with certain challenges, it has not chased away our interest in purchasing a property for investment purposes.

The XF2.0 is giving property investors a special reward when you sell the property early. With XF2.0, you will be given a zero-interest bridging loan of up to 30% of the property price.

For example, as shown in the table below, a home buyer gets extra financing of up to 30% of the property price — which is equivalent to RM272,000 —  with the XF 2.0. You’re required to make the first 5% repayment during the first year. Should you opt to sell the property within the first year after obtaining VP, you will be rewarded accordingly.

***

During challenging times, home buyers can look out for special incentives given by the government and developers to encourage people to purchase properties. If you’re looking to purchase a home now, you can consider the XF 2.0 that is offering perks mentioned above from 15 April to 30 June 2021.

HCK Capital has created a niche building education cities across the nation with landmark projects in Setia Alam, Damansara Perdana, and Cyberjaya among others.
You can find out more about their projects and the XF2.0 here.

*The offers mentioned above are all subject to terms and conditions.

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Chee Jo-Ey

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Credit card superheroes - making the most of your plastic in an emergency

You are the perfect money manager. All your expenses and incomes are neatly recorded in your notebook and you have a sizeable ‘rainy day’ account to deal with life’s little disasters. And you don’t exist.

I jest.

But for the rest of us mere mortals or those primarily up for the Sod’s Law Awards, there will be definitely times when that emergency credit card will come in handy.

Not quite the Superhero: but he knows how to use his Credit Card

We spoke to four everyday Malaysians who were faced with some ‘horror stories’ and this is how their credit cards came to the rescue.

The Medical Emergency

I had just started working when my mum took a fall that resulted in a fractured hip. My savings account had less than half a month’s pay in it. While I I knew that my extended family could help out with the bills, but at that very moment, I needed to get her admitted at the hospital and that required a RM2000 deposit. Luckily, I had just applied for a credit card and was able to use it on the spot, for the deposit. I dread what could have happened had I not applied for the credit card. Having that credit allowed me to quickly get my mum the help she needed.

Mohd Radzi, 25, Accounts Clerk

The Travelling Nightmare

It was my first trip overseas for work and as luck would have it, it was the time of the volcanic ash fiasco that stalled over 900 flights in Europe in 2010. I was stuck at Glasgow Prestwick Airport with very little money, and no ATM. It was Tuesday and the earliest they could predict resuming of flights was Wednesday. Even that wasn’t a surety. With a bad back, camping out at the airport lounges was out of the question as I had another 15 hours of interconnecting flights through Dubai to get home. Thankfully I had my credit card and the Thistle Hotel nearby welcomed me. Due to the sudden surge in occupancy, the only available room was a ridiculously expensive suite. My wife and money manager would’ve cried but I figured I would take what I could get. My flight only made its way out of Glasgow on Thursday but because I had my emergency credit card on hand, the delay turned out to be an added vacation.

Mohandas, 38, Project Executive

The Childcare Fiasco

After a seafood meal, my 11 year old started developing severe rashes. He’s never been allergic to seafood so the reaction was quite surprising. We thought it was nothing severe but within the hour he started heaving and we knew he had to be rushed to the hospital, Our savings had been sorely depleted after our recent move to a new house with renovations and all. I was worried about the impending hospital bill. Fortunately my husband kept an emergency credit card that was hidden in the dresser. It was such a comfort that I could put the money worries aside for awhile and just focus on him.  My son was treated and kept in observation for a few days before returning home. At a time when we needed it, the credit card saved my son’s life.

Chin Li, 35, Homemaker

The Car Calamity

I know nothing about cars. But I have a good mechanic who is trustworthy. This of course, was of no help because he was back home in Sungai Petani and I was in Kuala Lumpur for work. My car chose to stall on the Federal Highway one evening. At the time, I had a grand total of RM20 in my wallet and my usual array of credit cards. After calling a few friends and colleagues in KL for help, one recommended a good tow-truck and service centre that could help. The only catch was that they were expensive and before they did anything to my car, they wanted payment. Lucky for me, he accepted my ‘emergency’ credit card. I managed to pay for the tow, the service and the parts (it was a burnt radiator!) and keep the RM20 for a cab ride back to my hotel.

Anne, 31, Marketing Executive

How often has this happened to you?

Emergency Credit Card Best Practices

There are many other ways an emergency card can serve you in times of need and when you do get your credit card, here’s some tips to remember:

·
Keep it empty
: Your emergency card is just that – for emergencies. Try not to use it for anything else. Keep an everyday grocery/petrol card and have an extra emergency card for times of need.

·
Choose your card well
: Keeping in mind that your emergency card isn’t going to see much daily use, pick a card with no annual fees or minimal required swipes. You don’t need a lot of benefits or rewards, so a simple no-fuss card works best. Of course, RinggitPlus is on hand to help you with this.

·
Pay as quickly as you can
: Your emergency card needs to be kept available so once you’ve used it, be sure to quickly pay off the charges or you’ll be back at square one – without an emergency safety net!

When wielded well, your emergency credit card could be the saving grace you need when the chips are down, so use it wisely.

If you’re looking for the right emergency credit card and are wondering which one to apply for the RinggitPlus.com has chosen the best
Emergency Credit Cards in Malaysia
. Check out our list and see which Emergency Credit Card best meets your needs – then
apply online
.

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5 Personal Finance Pro Tips When Travelling Overseas

The feeling of adventure and new experience is now possible with the reopening of international borders!

Whether it’s to neighbouring countries such as Thailand, The Philippines, and Singapore; or somewhere further like the Maldives or France – Malaysians can now fulfil their wanderlust with renewed excitement.

But the frequent flyer in us has been dormant for quite some time. You may find yourself asking these questions:

Where’s my passport?
What’s the currency exchange rate?
What do I pack?

Apart from that, a few personal financial affairs would also need some thought, like your bills, credit cards, and even your budget. So, as a refresher before your next flight out, here are 5 personal finance tips to think about.

Tip# 1 Use A Travel Credit Card

When travelling it’s always best to carry some local currency but for more benefits, a travel credit card allows you to rack up rewards, enjoy discounts, and earn miles as you spend locally and internationally. It’s also more secure and convenient as opposed to carrying around a large sum of cash.

The Singapore Airlines KrisFlyer American Express® Credit Cards from Maybank provide you with one of the most notable benefits of air mile rewards, air lounge access, and more.

With up to 7,000 bonus KrisFlyer miles on your very first card spend, the Singapore Airlines KrisFlyer American Express® Platinum Credit Card gives you up to 50% savings on dining; up to 15% off on car rentals; 5x complimentary access to Plaza Premium Lounge globally every year; 4x complimentary access to golf clubs around the world; a complimentary Mr. & Mrs. Smith SilverSmith Membership; and the opportunity to earn KrisFlyer miles whenever you spend:

1 KrisFlyer mile for every RM1 spent on Singapore Airlines, Scoot & KrisShop website
1 KrisFlyer mile for every RM2 spent on online and overseas transactions
1 KrisFlyer mile for every RM 2.5 spent locally

Also, if you happen to miss your flight or lose your luggage, there’s always Travel Inconvenience coverage to reimburse the charges made to the card. A definite upgrade to your travel journeys!

Tip #2 Prepare For The Trip

It’s important to get adequate travel insurance prior to your departure to prepare for the unexpected. When you use your Singapore Airlines KrisFlyer American Express® Platinum Card from Maybank to purchase your plane tickets, you get to enjoy up to RM750,000 of complimentary travel insurance coverage.

What’s more? If you are making plans to make your trip more memorable, know that the new cards from Maybank also offer something for everyone – from complimentary green fees for golfers to savings on car rentals!

Another thing to note is that bills aren’t going to stop even if you’re on a great holiday, happily sipping coconut juice and devouring the most delectable food! To make sure you’re not charged for overdue payments and penalties, make it a point to make payments for essential services such as your water and electricity bills, credit cards, mortgages, and other credit facilities. It helps to know the fridge remains operating while you’re away!

Tip #3 Pack Important Documents

Apart from your passport, identity card, and driving license that you usually have on hand, an extra copy of these documents could help you in a myriad of ways, especially if you’re caught in unfortunate situations such as theft or loss.

If you’ve unfortunately lost your passport while dining out, there are other official documents for the embassy to refer to, which in this case, may help to expedite the process of getting a new passport. It’s also handy when you’re in the process of renting a vehicle and they ask for identification because you could simply pass them a copy instead of handing them your identification.

Not forgetting, most countries do require proof of vaccination as part of standard operating procedures, so it’s good to carry a few copies of your vaccination certificates just in case!

Tip #4 Create A Travel Budget

It’s easy to get caught up in the moment when you’re having fun, which is why overspending when travelling can happen. To avoid this, have a projected estimate of the expenses for your entire trip. This can include flight tickets, hotels, food, car rental, recreational activities or discretionary items you’d like to shop for during the trip.

There’s no need for a rigid budget when you’re enjoying your trip but a rough estimate helps a great deal, or better yet, increase your overseas travel spending limit on your credit card before your trip if you plan on purchasing big-ticket items.

Tip #5 Call Your Bank

Calling loved ones prior to boarding your flight? Don’t forget to call your bank too! Although most banks can see you’re travelling in a different country through your spending, it’s still good practice to notify them of your travel dates.

This is so that your transactions aren’t suddenly blocked when you’re shopping or dining out. Banks may look at your spending and mark it as unusual for security reasons, so a fool-proof way of avoiding an embarrassing situation is to call your respective bank or, where possible notify through your bank’s app.

Enjoy Limited-Time Offers With Singapore Airlines KrisFlyer American Express® Credit Cards

Now that you’ve got your personal financial affairs in order, you can get up to RM300 cashback with a Singapore Airlines KrisFlyer American Express® Platinum or Gold Card from now until 31 July 2022.

Apply for a Singapore Airlines KrisFlyer American Express® Platinum or Gold Card via Maybank2u, and start spending a minimum of RM300 within 45 days of approval. The first 200 customers who fulfil the spending criteria will be automatically awarded RM300 cashback, while the next 1,000 customers will be awarded RM200 cashback.

Until 31 July 2022, customers can also stand a chance to win either 200,000 KrisFlyer miles, which is equivalent to a return trip from Kuala Lumpur to London on a Business Class flight or a TUMI Latitude Carry-on travel luggage bag. Simply, complete these two steps:

Spend a cumulative RM20,000 with your Singapore Airlines KrisFlyer American Express® Platinum or Gold Credit Card within the Campaign Period.

SMS TUMI <space> the last 6-digits of NRIC/Passport Number to 66628. Example SMS: TUMI 123456

***

With KrisFlyer, you can earn and redeem miles on flights to more than 1,000 destinations worldwide on Singapore Airlines (including Hong Kong, Amsterdam, Australia and the United States), as well as from Scoot and over 30 other world-class partner carriers.

Bring along the Singapore Airlines KrisFlyer American Express® Platinum card, enjoy the opportunities to see new views, rejuvenate your taste buds, and earn more miles to experience the world again. For more information, head to Maybank’s website
here
.

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Katrina Balan Quiroz

Katrina Balan Quiroz

Copywriter. Katrina is fueled by a need to turn a confusing wall of text into something comprehensible, and drip coffee.

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Increase Productivity with Celcom Business’ Ecosystem of Solutions

Many business owners are turning to digital solutions nowadays thanks to myriad benefits such as increasing operational efficiency and improved data protection.  However, there are also many challenges faced by companies undertaking digital transformation.

Not all SMEs (Small and Medium-sized Enterprises) have the resources and budget to digitise their business. Although the pandemic certainly accelerated the process, not all SMEs have the time, knowledge, talent, or expertise to carry it out.

Those businesses without resources had a more difficult time navigating the business environment during the pandemic as the challenges they faced were new. Not knowing which solutions were available in the market, how to take their data to the cloud, or have a more secure system in place may sound trivial but to some, it’s exactly what is needed to keep their business alive.

Getting a reliable and confidence-inspiring digital partner that can greatly elevate a business’s overall performance.

Celcom Business, the business branch under Celcom Axiata, helps SMEs embrace digital technology by connecting them with highly personalised solutions. Businesses can benefit from top-notch solutions and unmatched expertise thanks to Axiata Group’s leadership and over 34 years of experience being one of Malaysia’s leading networks.

Read on to learn more about how Celcom Business helps SMEs and the public sector remain agile.

Large Ecosystem of Solutions Created to Accelerate Your Business

Navigating a world where technology evolves at rapid speeds is not an easy feat. Regardless of the size of your organisation, Celcom Business offers an extensive ecosystem of solutions designed to help you meet your business needs and accomplish your goals.

1.

Mobile Solutions:
 Staying connected to others at all times becomes easy with a range of mobile solutions. Businesses can utilise unlimited data or high-speed bandwidth via Celcom MEGA for Business. If employees need to constantly be on the go, pair them with an InternetGO and work can commence from anywhere.

Other features like Location-Based Advertising and Social Media Messaging help business to gain and reach more customers to market their businesses with the right target consumers based on their physical location while M2M enables networked devices to exchange information and provide analytic where the past data insights will help your business to make the right business decisions.

2.

Fixed Solutions:
Maximise your business efficiency and productivity with unlimited and stable high-speed Internet, be it via Celcom Business Fibre or Business wireless.

Meanwhile, IP VPN allows your business to remain connected virtually and Managed SD-WAN is an intelligent cloud-first solution that can improve the future of your business

3. IoT Solutions:
 IoT can help businesses dig deeper and introduce new and better ways to do business by streamlining day-to-day operations, reducing costs, and providing improved business insights. Get the advantage of end-to-end solutions with Smart Surveillance that provides smart cameras, connectivity and an application platform to keep your business cost low on manpower. Besides that, there are several industries specific IoT solutions as well. For example, Smart Agriculture revolutionises agriculture entirely with progression tracking, remote controllers and sensors to assist farming practices, automating operations and more.

4.

Cloud Solutions:
Manage data effortlessly over the cloud with your platform of choice. Businesses can expand their potential through a suite of cloud solutions including Cloud Infrastructure-as-a-Service (IAAS) to essential compute, storage, and networking resources on demand and Platform-as-a-Service (PAAS) to complete development and deployment environment in the cloud, with resources that enable you to deliver everything from simple cloud-based apps to sophisticated, cloud-enabled enterprise applications. Celcom Business also offers business tools such as M365 and Google Workspace to allow you to collaborate seamlessly from any across any device wherever you are despite time and location.

5.

Cybersecurity Solutions:
 One of the core reasons businesses prioritise digitalisation is the room for improvement it offers for security. Celcom Business can help keep your data protected at all times against risks of security breaches through a suite of highly personalised cybersecurity solutions, so your business is always safe from unauthorised access, data compromise, and other violations.

Vast Experience with a Diverse Base of Customers

In selecting a partner that can help you elevate your business, it’s imperative to choose one that aligns with your values while also having the means to strategically accomplish your goals.

With experiences across different industries, Celcom Business has accumulated years of assisting businesses of various backgrounds to manage their concerns by creating a solution that mitigates or overcomes their challenges. A partner like this would be able to take their learnings and resources and strategise in a way that helps you reach new heights through their carefully curated business solutions.

The ecosystem of solutions provided is supported by world-class partners that have specialised in their respective fields. Local partners are also part of Celcom Business’ network – providing a series of affordable solutions to their customer base.

Having a partner like Celcom Business can make your journey into digitising much smoother as they would be able to apply their learnings and knowledge when you require special assistance in a particular area. The plethora of services offered could greatly assist your business in figuring out which strategies to deploy when meeting specific needs.

Malaysia’s No.1 Network Choice

With most processes now available online, businesses are almost always required to be connected in order to operate efficiently. It’s easy to collaborate and have reliable connectivity when you work with Malaysia’s No. 1 network choice. The high-speed and stable network makes daily operations, staying in contact with one another, and maximising your business potential with digital solutions more seamless and convenient.

***

While steering your business towards digitalisation may not be a relaxing journey, having a respectable and dependable digital partner would most likely expedite the course of reaching your business goals.

Enjoy an ecosystem of digital solutions catered to your business needs when you make Celcom Business as your digital partner. Whether your business is in agriculture, cybersecurity, digital media, or others, there are plenty of options that will keep your business and its operations well-connected in a secure and future-ready manner. With the years of experience that Celcom Business and its partners have accrued over the years, your business will likely be in good hands.

To learn more about Celcom Business,
click here to visit the website
.

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EnrichMoney Top-Up Campaign Offers Opportunity To Fast-Track Your Enrich Elite Status

Malaysia Airline’s (MAS) loyalty programme Enrich is currently running a campaign where active Enrich members can fast-track their Elite status to Silver or Gold by using their Enrich Points to top up their EnrichMoney Points. The promo, which is already ongoing, is set to run until 31 July 2023.

As indicated in the campaign landing page, Enrich members who convert a minimum cumulative amount of 40,000 Enrich Points to top up their EnrichMoney Points during the campaign period will be able to upgrade their Elite status to the Silver tier, whereas those who convert 80,000 Enrich Points can unlock the Gold tier. Note that the conversion rate between Enrich Points to EnrichMoney Points stands at 1:1 (1x Enrich Point is equivalent to 1x EnrichMoney Point).

By unlocking the Silver or Gold tiers, you’ll be able to enjoy selected travel benefits, such as priority services at check-in and boarding, as well as access to Malaysia Airlines Golden Lounge. Additionally, you’ll be able to earn up to 2x Enrich Points for every RM1 that you spend on Malaysia Airlines, depending on your tier:

While participating in the campaign, do also be aware that members can only convert and top up a maximum of 50,000 EnrichMoney Points per top-up transaction. Additionally, there is a daily conversion/top-up limit of 100,000 EnrichMoney Points. So if you’re aiming to unlock the Gold status, for instance, then you’ll have to carry out at least two top-up transactions (50,000 EnrichMoney Points + 30,000 EnrichMoney Points).

Note as well that although the converted EnrichMoney Points will be immediately reflected in your EnrichMoney Points balance upon successful transaction, your new Enrich Elite status will only be awarded within 14 days after the end of the campaign period – valid until 31 December 2024. Your Enrich Elite card will also be delivered to your registered address within 14 working days. Meanwhile, the converted EnrichMoney Points will have a validity of one year from the earned date, so remember to use them before it expires!

Finally, Enrich clarified that if the Elite status that you’re entitled to via this top-up campaign is the same as your current Elite tier, then your status will remain unchanged and there will be no upgrade to the next higher status. So for instance, if you are currently already an Enrich member with a Silver Elite status, then you will not be upgraded to the next level (Gold) by converting another 40,000 Enrich Points to top up your EnrichMoney Points. Instead, you will only be able to extend and retain your Silver status (for one year).

For those who are unfamiliar,
EnrichMoney is a new product from MAS
 that was rolled out early this year in collaboration with Merchantrade and Visa. It is comprised of a Visa prepaid card and a digital money app – both of which are expected to benefit frequent travellers with features such as the multi-currency wallet. In addition to that, it also users earn EnrichMoney Points when they perform transactions using their prepaid card. The Points earned can then be used to redeem cashback for a purchase post-transaction.

If you’re not yet an EnrichMoney user, there’s currently a sign-up promo that you can also tap into now – which lets you get welcome gifts in the form of 1,000 bonus Enrich Points and a complimentary Golden Lounge e-voucher. You can download EnrichMoney for free from
Google Play
 and the
AppStore
.

(Source:
MAS EnrichMoney
)

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Alex Cheong Pui Yin

Alex Cheong Pui Yin

Previously covered recruitment-related stories and had a short stint as a copywriter for the property industry. She subsequently developed an interest in investment and robo-advisors.

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Sell Fuel Below Stipulated Price, Says Minister To Petrol Stations

(Image: Malay Mail)

Petroleum companies can sell fuel below the government’s stipulated price if they want to compete with one another, said Domestic Trade and Consumer Affairs Minister Datuk Seri Saifuddin Nasution Ismail.

“If it is implemented, we can see petrol stations selling at different prices,” said Saifuddin. “For instance, if Shell is selling at RM2.06, Petron RM2.07, then go to BHP which is retailing at RM2.04.”

Saifuddin said that currently, all 3,500 petrol stations from the six main industry players sell their petroleum products according to the government’s automatic pricing mechanism, which is RM2.08 per litre for RON95 petrol. However, if the companies were to “practise the principle of competition through innovation and efficiency, they could reduce the retail price of petroleum products.”

“Petrol retailing business is a business of volume, not margin – which means competition among station operators can take place,” said Saifuddin. “How much to be reduced depends on the operator as they need to make comparison in terms of costs and quality of service offered.”

According to Saifuddin, the government has taken the importance of petrol station operators into account by increasing their margin by 2.81 sen per litre to 15 sen per litre for petrol, and by 3.0 sen per litre to 10 sen per litre for diesel. He added that the government would be prepared to provide support, including certain benefits, for petroleum companies who wished to reduce their prices.

(Source:
The Edge Markets
)

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Get MAX Value For Both Home And Mobile Plans In One Bill With Celcom MAX™

The Internet has become an essential part of living, evident by the
84%
 of Malaysians today using the Internet and even more so with the pandemic reinforcing it into our everyday lives which gives blooms to many mobile digital innovations. Think e-wallets and digital banking apps, these are just some examples that show how the Internet is not just essential for home, but also for when you are on the go.

If you are among those who need the Internet for both home and mobile usage, why not consider a plan that helps maximise your digital lifestyle and also gives you more value on the side?
Introducing Celcom MAX™ – where you will get to enjoy a lifetime savings of RM21/month, and more for both home and mobile Internet plans. Read more to find out.

If you are looking for a combo of home and mobile Internet package that gives you more value in return, Celcom MAX™ could be the one for you. What’s more, your family can also enjoy the added value that comes with Celcom MAX™. For more information,
visit the website here.

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GrabPay Is Malaysia’s First E-Wallet To Adopt DuitNow QR

Grab and Payments Network Malaysia (PayNet) have announced a partnership that will make GrabPay the first e-wallet in Malaysia to adopt DuitNow QR, the country’s common QR standard.

DuitNow QR enables users to make payments using the e-wallet or mobile banking app of their choice, just by
scanning a common DuitNow QR code
. Meanwhile, merchants only need to display one universal QR code in order to accept payments for various apps.

According to Grab, the Grab app will be able to support the DuitNow QR code by the first half of 2020.

(Image: Public Bank)

Ooi Huey Tyng, managing director of GrabPay Malaysia, Singapore, and the Philippines, stated that Grab is honoured to be the first e-wallet to adopt DuitNow QR. “With this partnership, we are confident that it will propel GrabPay further to provide a seamless and safe payment method for customers and merchants,” she said.

“At the moment, e-wallet providers are incurring substantial acquiring costs for merchants since they are each signing up the same set of merchants for their respective proprietary networks,” said Peter Schiesser, PayNet’s Group CEO. “With DuitNow QR, a merchant needs to sign up with only one bank or e-wallet acquirer.”

PayNet serves as Malaysia’s shared payment infrastructure provider, and is required to execute an interoperable and universal QR standard for the whole country under Bank Negara Malaysia’s (BNM) Interoperable Credit Transfer Framework (ICTF). DuitNow QR is set up under this framework.

Currently, four banks are already offering DuitNow QR on their mobile apps, with
Public Bank
 having been the first to do so earlier in July. As many as 25 banks are expected to implement the DuitNow QR over the next 6 months, while 15 other e-wallet providers and non-bank merchant acquirers have also applied for admission into the DuitNow scheme.

(Source:
Grab
)

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    2 years ago

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Citi Cardholders Can Get Up To 3x RM20 GrabFood Vouchers By Topping Up GrabPay

Citibank credit or debit cardholders are currently entitled to a RM20 GrabFood voucher when they use their Citi card to top up their GrabPay e-wallet with a minimum of RM300. The promotional period is divided into three separate rounds and Citi cardholders can earn one RM20 GrabFood voucher per round.

Starting from today, the three rounds of the campaign are as follows:

Round 1: 13 Apr 2021 – 12 May 2021

Round 2: 13 May 2021 – 12 Jun 2021

Round 3: 13 Jun 2021 – 12 July 2021

You can get up to RM60 in GrabFood vouchers in total if you top up a total of RM900 across the three campaign rounds. By getting a RM20 voucher for a RM300 top-up, this promotion actually offers you a return of about 6.67%. However, do note that the RM20 GrabFood voucher will require a minimum spend of RM40 (excluding delivery fees) in order to be utilised.

The offer is limited to 3,000 users per round and each Grab user is allowed one redemption per round on a first-come, first-served basis. The promo is valid for both new and existing Grab users and you need to have your Citi card details saved in the Grab app for future payments to be entitled. Once you make the top-up and qualify for the reward, the GrabFood voucher will be automatically awarded to your Grab account within 5 working days.

You can find out more about the Citibank promo on the
Grab website
 here.

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What is Your Time Actually Worth in Ringgit?

We all know time is money, but that little saying is more than meets the eye. What if we told you that finding out your literal monetary worth as it relates to time can give you certain advantages and make you understand how much your time worth to make better decisions?

Time vs Money

Whether we realise it or not we do this mental calculation in our lives all the time. Like:

Should you take the longer route to work and save RM5 on toll fees or pay the toll and get to the office faster?

Should you hire a cleaner to deal with your house so you have some extra time relaxing on the weekend?

Should you stay longer at work for overtime pay right away or should you leave on time and work on your side business for potentially higher returns months from now?

Underneath these dilemmas is the essential question: What is your time actually worth? There’s a real way to do the maths on this and we think it will help you a lot with figuring out how to spend your time.

There’s a Formula for This?

There are many ways to value your time of course, but since we’re all about getting more for your money, let’s see if we can’t figure out how much your time is worth in Ringgit, shall we?

One way to do this is to find out how much money you earn per unit of time. For example:

Take your monthly earnings = RM2,000

And the number of hours you work in a month = (9 hours a day x 20 workdays a month) = 180 hours

Then divide the first number with the second = 2,000 / 180

This is how much an hour of your day is worth =
RM11.12

Of course, since not everybody has the same number of work hours in a day or workdays in a week, you should adjust those figures accordingly. People who have been paid per hour know that this is what’s called your hourly wage.

Oh, So it’s My Hourly Wage. What Can I Do With This?

Plenty of things! For one, you can now answer all the dilemmas above by plugging in your hourly income rate. For example, it’s not worth you spending an extra hour in traffic to save RM5 since your hourly worth is higher than that.

You can also use this rate to calculate how much to charge a client for freelancing work. Multiply your hourly rate with the hours you think it will take for you to complete the work to come up with a starting figure for your next invoice. Understanding your worth per hour this way also helps you put into perspective how well you’re using your time, which can help you
be more vigilant with your use of it
 at home or at work.

But Time Isn’t Exactly Money…

While calculating your hourly worth is a good starting point and handy figure to keep in your head for making decisions, it’s not a 100% perfect way to think about your time. We all value time differently, after all.

One hour spent standing in line at the bank is not the same as an hour playing your favourite video game, for example. And you can’t yet quantify the value of the time you spend building a business, since the potential payout from that is still unknown.

But we suggest you do this exercise anyway and start looking at your time as having a Ringgit value, because it does. If you’re keen on having your money grow with time, check out Malaysia’s
best fixed deposits on our comparison page
. Have anything else to add to this article? Do share your thoughts with us in the comments section down below!

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AirAsia Charges Up To RM30 Counter Check-In Fees To Encourage Contactless Check-Ins

AirAsia has implemented counter check-in fees for selected countries and cities in a bid to steer customers towards using its contactless check-in kiosks and the check-in feature in its mobile app.

According to a statement by AirAsia, the fees are set at RM20 per customer for domestic flights and RM30 for international flights (or its equivalent in local currencies). However, they can be evaded if travellers check in through AirAsia’s website, mobile app, or airport kiosks instead. Aside from within Malaysia, the fees are also applicable in Vietnam, Brunei, Cambodia, Laos, as well as Taipei, Kaohsiung, and Honolulu. Here are the fees in the different currencies:

You can pay the fees by cash or credit card at the airport, or pre-pay them online using the “My Booking” feature on the AirAsia website and mobile app. Note that pre-paying via the “My Booking” feature is an extra step that you need to take
after
 you’ve completed your ticket purchase; you cannot pre-pay the counter check-in service when you’re booking your flight tickets.

Log in to your BIG member account and go to the “My Bookings” page.

Click on “Modify”, “Add Ons”, followed by “Airport Shuttle, Car Rental, TuneTalk & More”.

Select “Counter Check-In”, and make your payment.

However, the counter check-in fee will be waived for a selected group of travellers. The list includes guests with reduced mobility, Premium Flex or Premium Flatbed guests, as well as guests affected by schedule changes and flight cancellations. Customers who are unable to complete web, mobile, or kiosk check-ins due to system errors are also exempted from the fees.

The chief operations officer of AirAsia Group, Javed Malik, said that AirAsia has seen a high adoption of the self-check-in services through its website, mobile app, and airport kiosks in recent times. “Thus, the implementation of the counter check-in fees is a way for us to further encourage guests to use these digital technologies, which we have invested enormously in, to promote and enhance operational efficiency, and guest convenience,” he said.

Javed also commented that these facilities have been essential in helping AirAsia minimise physical contact between its guests and staff as the flight operator implemented the standard operating procedures amidst the Covid-19 pandemic.

You can find out more about
AirAsia’s counter check-in fees
 at its website or its
FAQ
.

(Source:
AirAsia
)

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Alex Cheong Pui Yin

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Previously covered recruitment-related stories and had a short stint as a copywriter for the property industry. She subsequently developed an interest in investment and robo-advisors.

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The Most Reliable Credit Card For Getting Your Cashback

Sometimes, it’s hard to keep track of the different conditions attached to getting your credit card cashback. Tired of trying to remember whether you qualify for cashback in this store, or was that just for grocery shopping? Do you keep leaving all your shopping to the weekend because that’s the only time your cashback rate kicks in? And what’s the point of having cashback benefits if they have a high minimum spend requirement or low ceiling cap?

The American Express Cash Back Gold credit card offers you unlimited cashback privileges, so you won’t have to get caught up with any of the worries above. You get 1% cashback when you use your credit card locally and 1.5% on overseas expenditure, and this unlimited cashback comes with no minimum spend and no maximum rebate cap.

Best unlimited cashback rate without category restrictions

Many credit cards offer category-specific cashback rebates, which depend on whether you spend on cinema, petrol, groceries, or online shopping. Sometimes, your credit card might give you great cashback rates for one category, but low or even no cashback at all on another.

It can be confusing to keep track of your various types of spending and the corresponding cashback percentages, so the American Express Cash Back Gold card keeps it simple for you. The cashback offered is not confined to any one category, so you can shop knowing that your cashback privileges cover any type of retail spending. Moreover, the cashback rate is maintained no matter what day of the week it is, so you won’t have to worry about that, either.

Other credit cards that offer cashback across non-specific types of spending tend to set very low rates, which can be as low as 0.2%. At 1% cashback for spending in Malaysia and 1.5% overseas, this is the highest unlimited cashback rate for a Malaysian credit card, as well as the least complicated.

Unlimited cashback with no minimum spend or rebate cap

Have you ever been annoyed at having to spend a certain amount every month in order to be entitled to cashback rebates? Or, worse still, having your cashback privileges capped at a certain amount each month? Basically, do you wish you had a credit card that offered you unlimited cashback with no minimum spend whatsoever?

Here, the Amex Cash Back Gold is your answer. Its cashback is unlimited, so you have your cashback benefits regardless of how much you spend. The cashback is automatically credited and will be reflected in the credit card statement of the following month.

While 1% may sound low on paper, the fact that this cashback applies to almost every retail spend means that this can be a useful card to cover the gaps left by other cashback credit cards you may own. 1% in savings is still better than no cashback at all, so you may want to consider getting the Amex Cash Back Gold as a secondary credit card.

A reliable card for reliable cashback

Put simply, the American Express Cash Back Gold is perfect for those who want a straightforward credit card that gives consistent cashback benefits with few restrictions. You’re entitled to your set percentage of cashback regardless of the category, day of the week, and minimum or maximum amount spent. Furthermore, the low minimum annual income requirement of RM30,000 and first year annual fee waiver make applying for this credit card easy.

If you would like to compare between the different credit card cashback rates available, the
RinggitPlus credit card comparison tool
 allows you to see for yourself what cashback privileges are being offered out there. You can also read up on the
Maybank American Express Cash Back Gold credit card
 to find out more about applying – and most importantly, see if it’s the right card for you.

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Malaysia Unemployment Rate Eases To 4.3% In October 2021, Lowest Since April 2020

Malaysia’s unemployment rate eased from 4.5% in September 2021 to 4.3% in October, dipping to the lowest rate
since April 2020
. Revealed in the latest labour report by the Department of Statistics Malaysia (DOSM), the October figure is equivalent to 705,000 unemployed individuals, decreasing 3.4% from 729,600 persons from the previous month.

Chief statistician Datuk Seri Mohd Uzir Mahidin said that the improvement in the labour force situation is facilitated by the fact that many states have transited to Phase 4 of the National Recovery Plan. This is following the increase in vaccination rates and declining number of Covid-19 daily cases.

“This positive development resulted in the reopening of economic activities and interstate travel allowed. Besides that, many tourist destinations were allowed to re-open to fully-vaccinated visitors, thus boosting travel and domestic tourism activities during that month (October),” Datuk Seri Uzir further said.

The report also revealed that of the 705,000 unemployed persons, 83.6% is made up of those who are actively unemployed – down by 3.5% from 611,000 persons in September to 589,500 persons. This group is defined as unemployed individuals who are actively looking for a job. Additionally, out of the actively unemployed, 55.5% have been out of work for less than three months, whereas 7.8% were jobless for over a year.

Meanwhile, the number of employed persons continued to show an upward trend in October, increasing month-on-month by 0.6%, from 15.46 million individuals in September to 15.55 million individuals in October. Accordingly, the employees category – which makes up 77% of the employed persons group – saw a 0.4% increase from 11.93 million persons in September to 11.97 million persons in October. Likewise, the own-account workers – consisting of daily income earners and self-employed individuals – rose by 1.4% to 2.61 million persons (2.57 million individuals in September).

With regard to the employment rate of upcoming months, Datuk Seri Uzir said that the outlook is forecasted to be positive. This is provided new and more lethal Covid-19 variants do not sway its progress.

“Additionally, through the Budget 2022 which also focuses on rejuvenating the labour market, among others by restoring business capabilities, generating and retaining jobs as well as increase social protection, may support the businesses as well as employees, hence accelerating the recovery of the labour market,” said Datuk Seri Uzir.

(Source: DOSM [
1
,
2
])

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Alex Cheong Pui Yin

Alex Cheong Pui Yin

Previously covered recruitment-related stories and had a short stint as a copywriter for the property industry. She subsequently developed an interest in investment and robo-advisors.

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Get Free Crabtree & Evelyn Gifts When You Shop With Your CIMB Credit Card or Debit Card!

10% to 15% off All Purchases made with your CIMB Credit Card at Crabtree & Evelyn.

Shopping for gifts is hard work. If you find yourself wandering round the Mall wondering what to buy Auntie why not head for
Crabtree & Evelyn
 and pay for some smelly stuff with your plastic? If you’re using a CIMB Credit or Debit card you could get up to 15% off the purchase price.

What’s more, if you’re shopping at Pavilion KL, Suria KLCC or Sunway Pyramid you’ll be able to claim a free gift – who knows, that might sort out a present for your least favourite Sister-In-Law at the same time.

More details available at
CIMB’s website

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Avoid Expensive PC Upgrades With These Simple Maintenance Tips

Using a PC that is running slow? Not a great feeling, isn’t it? It’s not loading your stuff as smoothly as when you first got it from the shop anymore. Time to upgrade, yes? Great. Now you have to look up specifications, make sure your existing hardware is compatible, compare prices, go to the shop, buy it, get home, then put it together. What a drag.

What most people don’t know is that often, the reason we upgrade our PC is due to damage or deterioration that can be prevented by regular simple maintenance work. A computer is a sophisticated machine with delicate components, but with the proper care, you won’t have to upgrade yours as often. Here are our tips on how to tend to your PC to make it last.

Always Upgrade Your Software and Operating System

You know that annoying little flag pop-up at the corner of your desktop by the toolbar? Turns out it’s important to pay attention to it. It’s in the manufacturer’s best interest to keep the machine you bought from them running at optimal condition.

And with how fast new computer viruses and malware keep popping up, the manufacturer (and by extension, you) have to keep up with making sure your device stays secure. Unpatched or outdated versions of any software or operating system installed on your machine are vulnerable to attack and regular updates help keep things safe.

Clean Your PC

Over time, dust can build up on your PC and block airflow, causing overheating. Overheating can cause hardware damage that can only be fixed by replacing the part. Even if you don’t use your PC for demanding activities like video-editing or high-end gaming, a dusty PC can still cause overheating and potential damage.

For a desktop PC, you can open the case occasionally and clean it out using a can of compressed air. Keeping that environment dust-free is the goal here. There is no need for wiping with alcohol or cleaning solvents.

Don’t Block the Airflow

If you’ve done the previous step you’ll notice that your PC has a fan. The fan is there to regulate the temperature inside your PC case and keep things cool. After taking the case out and clearing it of dust, it’s important to place it somewhere breathable so the fan can do its job. Even if your PC case is dust-free, blocked airflow can result in inefficient cooling, and consequently, overheat.

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How to Upgrade Your Computer on a Budget

Use a Surge Protector

This tip is useful for any electronic device in your house you want to keep safe, but especially important for your computer. A power surge can damage the hardware of your desktop computer, rendering it useless and potentially unrepairable. Be aware that although many extension cords nowadays come with surge protection, some still don’t. Extension cords with surge protection may be a little bit costlier than regular extension cords, but it’s an
expense worth making
 for the health of your PC.

Use Only One Antivirus Program

Installing an antivirus program is like introducing a predator into an ecosystem to get rid of pests. Don’t use both a cat and a snake to get rid of mice, because the two might eat each other instead.

Antivirus programs function at a deeper level than regular programs. It scans all other applications before letting them operate and two antivirus software might see each other as malware threats and stop working. Or worse, cause your device to crash. The best practice is to use one trusted antivirus program and let it run in the background.

Don’t Use External Drives

Or rather, don’t use external drives you don’t trust. External drives like a hard disk or flash drives can carry malware or viruses and infect your PC. Even if you have a good antivirus software installed, it’s best to prevent being infected at all in the first place.

If you run into the inevitable situation where quick file transfers are needed, use email attachments instead. In the case of larger file sizes, a file-sharing web service like
Dropbox
 or
Google Drive
 works too.

Be Careful When Installing Programs From the Web

There are many useful apps you can install over the internet and many of them are safe and useful. However, there is always the risk of being infected by malware if you’re not careful. Just remember not to install any executable files (.dmg for Macs, .exe for Windows) from any site if you’re not sure what it does or where it came from.

Some browsers may let you know if the source is untrustworthy, but to figure that out for yourself, simply do an internet search on the publisher of said file. You’ll know immediately if the publisher is a known provider of malware by the kinds of content your search engine pulls up about it.

These are the tips we have for you to keep your PC upgrades to a minimum. They’re easy to keep in mind and can be done without any expert help. Once you get into the habit of doing them, you’ll be surprised how long you can use your computer for.

Do you have any other PC maintenance tips we missed out on? Let us know in the comments below!

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Ahmad Mudhakkir

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Win The Sony PS5 Console In The RinggitPlus Unbox This Week Campaign

We’ve entered the third week of RinggitPlus’ Unbox This Week campaign, where we feature exciting weekly flash deals from different bank partners – all the way until the end of 2020.

For the past couple of weeks, we’ve given our customers the chance to win various bundled gifts – such as the
Tefal Spherical Rice Cooker and Mi Band 5
, as well as the
Lenovo Tab M7 and Xiaomi AirDots
 – when they apply for credit cards from our bank partners of the week. For this week, we’ll be highlighting
Citibank
, and the prizes on offer are just as exciting!

Between 9 to 12 November, individuals who apply for selected credit cards with Citibank will stand a chance to win the
Sony PS5 (digital edition)
 – one of the most anticipated gaming consoles this year! The console, which is worth RM1,869, will be gifted to every third successful applicant who applies for his or her credit card through us.

Remember that you’ll also need to activate and spend a minimum of 8 retail transactions on your new card within 60 days upon approval of your card. Once Citibank has confirmed your eligibility for the campaign, we will announce the winners on our Facebook page by 28 February 2021, as well as send you an email with instructions on how to claim your gift.

Meanwhile, those who did not win the Sony PS5 will still get
Lazada e-vouchers worth RM250
 to spend on their shopping needs. These will be sent to you via SMS after the bank has updated us of your win.

That said, do note that current cardmembers and individuals who have cancelled their Citibank credit cards within a year before the campaign period are not eligible for this promotion. Also, this deal ends on 12 November 2020, at 6pm sharp – so if you’d like to try your hand at winning the PS5, do hurry!

Head on over here to apply for your new
Citibank credit card
, and remember to kickstart your application with our WhatsApp chatbot. Alternatively, you can come back again next week to check out the new Unbox This Week deals that are up for grabs.

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Alex Cheong Pui Yin

Alex Cheong Pui Yin

Previously covered recruitment-related stories and had a short stint as a copywriter for the property industry. She subsequently developed an interest in investment and robo-advisors.

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    Jay

    1 year ago

Cards from citibank is getting send to the wrong address – which is a higher chance of slipping pass the ” 60 days upon approval of your card”

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RHB Launches #JomSapot Campaign To Promote Local SMEs, Offers Up To RM650 Cashback

RHB has rolled out its #JomSapot campaign in a bid to help small and medium enterprises (SMEs) promote their products and services to consumers. Ongoing from now until 30 November 2020, the campaign is held in conjunction with Malaysia Day, and is aimed at accelerating local business growth as well as providing consumers with incentives to buy from Malaysian SMEs.

According to RHB, its #JomSapot campaign achieves its objectives by turning online traffic into actual purchases via a pledge system. Merchants who sign up for the campaign will be listed on RHB’s #JomSapot online platform, where they can showcase some of their current promotions. Meanwhile, individuals can declare their support for selected businesses listed in the platform by making a public “pledge” on their social media, and subsequently, by purchasing from the businesses.

Beyond that, the campaign also sees RHB encouraging its customers to buy from local businesses by giving them a chance to win up to RM650 cashback for such expenses. This includes three monthly RM50 cashback rewards from September to November, and a final grand prize of RM500 cashback. To qualify, your purchases must be made with an RHB credit/debit card or via the RHB DuitNow QR. Depending on the merchants that you buy from (participating/non participating) and other steps that you take, you can earn a number of entries to win the cashback prizes.

The group managing director of RHB, Datuk Khairussaleh Ramli said that the #JomSapot initiative enables the bank to market the businesses’ products directly to consumers and to encourage positive buying behaviour. “As we make our pledges, share our pledges on social media and make our purchases at the outlets, we are demonstrating a strong sense of unity and solidarity while ensuring the continued success of our local businesses,” he said.

Meanwhile, the group chief marketing officer of RHB, Abdul Sani Abdul Murad emphasised that the #JomSapot initiative is not just a marketing platform for local businesses. “It includes promotions and marketing support capabilities which RHB will invest to help create awareness for these businesses and to encourage Malaysians to shop with them,” he said, adding that the cashback rewards for RHB customers will also give them added value on their purchases.

To find out more about the #JomSapot campaign, head on over to
RHB’s website
 here. Alternatively, consumers who wish to learn more about the cashback rewards can check out
this campaign page
.

(Source:
The Edge Markets
)

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About THE AUTHOR

Alex Cheong Pui Yin

Alex Cheong Pui Yin

Previously covered recruitment-related stories and had a short stint as a copywriter for the property industry. She subsequently developed an interest in investment and robo-advisors.

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Zurich Partners With TheNoor App To Offer Three-Month Free Personal Accident Coverage

Zurich Malaysia has partnered with TheNoor, a Muslim lifestyle app, to offer three months of free personal accident (PA) coverage to users who purchase TheNoor’s limited edition Touch ‘n Go (TNG) cards via the app.

According to a statement by Zurich, the PA plan is built upon shariah principles, and it offers comprehensive coverage for accidental death, permanent disability, and hospital income. It will be provided to the first 30,000 TheNoor users who make the required TNG card purchase, made available on a first-come first-served basis.

Zurich also stated that the cost of the three-month free coverage will be jointly covered by both Zurich General Takaful Malaysia and TheNoor. Zurich General Takaful will pay for the first month, whereas TheNoor will cover for the subsequent two months. Upon expiration of the offer, users who wish to continue subscribing to the PA coverage can do so at the affordable price of RM1 per month.

The chief executive officer of Zurich General Takaful, Nazrul Hisham Abdul Hamid said that the collaboration aims to better meet evolving customer needs, especially given the technological advancements that allow people to live and learn differently from before. “We want app users to have convenient access to affordable protection with the right Zurich products to enhance their lives. Customers can now have PA protection with just a few taps through the app,” he said.

Meanwhile, the chief executive officer of TheNoor, Noor Neelofa binti Mohd Noor said that she is pleased to be working with Zurich General Takaful to offer a unique PA plan to app users. “We have made it easy for users to obtain protection directly from the app via our new feature ‘TheNoor Commerce’. As a token of appreciation for members who applied for the TheNoor TNG card, we are happy to provide two additional months of coverage on top of the first month free PA coverage provided by Zurich General Takaful,” she said.

You can check out
TheNoor’s limited edition TNG cards
 on the app’s website here.

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About THE AUTHOR

Alex Cheong Pui Yin

Alex Cheong Pui Yin

Previously covered recruitment-related stories and had a short stint as a copywriter for the property industry. She subsequently developed an interest in investment and robo-advisors.

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Meet Your Ultimate Travel Maximiser – CIMB World Mastercard Credit Card

Travelling is an experience. Whether you’re doing it for business or pleasure, travel broadens the mind, introduces you to new people, and allows you to chase borderless opportunities in an ever-globalised world. However, travelling also consists of long flights, layovers, and constantly making sure that you’re in the right place at the right time. If you’re a frequent traveller, you would want your trips to be as convenient, stress-free, and even as rewarding as possible. You can make that happen by getting yourself the right travel credit card – like the CIMB World Mastercard.

The CIMB World Mastercard makes a great travel companion because it offers you rewards from before the start of your travels to the very end. From bonus points and cash rebates to the best perks for the travel-minded individual, we’ll show you how the CIMB World Mastercard rewards you every step of your travel journey, from planning to maximising your getaways.

Be Rewarded with 5X Bonus Points, Automatic Travel Insurance on Your Flight Tickets

The first step in planning a trip is usually booking your flight tickets, and the CIMB World Mastercard already has benefits to offer you here. CIMB World Mastercard cardholders earn 5x Bonus Points when they use their credit card to book their flights; normal local spend will award you with 1x Bonus Points. Given that flight tickets can be quite a large expense, the 5x multiplier is definitely worthwhile and goes a long way towards racking up your points accumulation.

There’s another benefit that you can get when you charge the full fare of your airline tickets to your CIMB World Mastercard – you receive automatic travel insurance coverage of up to RM1 million. You even get covered for travel inconveniences such as lost baggage or flight delays, so you don’t have to worry about the slightest bumps in the road. However, if you do want to purchase additional travel insurance, the CIMB World Mastercard gives you 15% off your premium and a stamp duty waiver for the Berjaya SOMPO Travel Plus plan.

Unlimited Cash Rebates on Your Overseas Spending

The main benefit of the CIMB World Mastercard is of course the unlimited 1.5% cash rebate on overseas retail spend. If you make comparisons to other cards, there are only a few travel credit cards on the market that offer cashback instead of points for overseas use. When you spend in foreign currency, your cash rebate will be accumulated and posted to your account in your following month’s statement – offering more instant and direct benefits for your overseas retail spend.

Moreover, the cash rebate is unlimited, so you don’t have to worry about hitting a cap on your benefits while you’re spending away on your travels. In addition to that, online spend in a foreign currency also counts as overseas spend, so you get 1.5% cash rebate for that too!

CIMB World Mastercard holders are also eligible for cash rebate offers under the Mastercard Traveller Rewards programme. On top of your 1.5% overseas cash rebate, you can get cash rewards when you use your CIMB World Mastercard at the participating merchant outlets, without the need for any coupons or offer codes.

If you need to spend at places that only accept cash, your CIMB World Mastercard still has benefits to offer. You can enjoy preferential foreign exchange rates thanks to your CIMB World Mastercard – just make sure to change your currency at a CIMB Bank Currency Exchangein Malaysia.

Enjoy The Mastercard Southeast Asia Golf Privileges

Travelling isn’t all about shopping and dining and sightseeing. For some, the highlight of any trip lies elsewhere – on the golf course. If your idea of the perfect travel activity is checking out the greens in whatever country you’re in, then you’ll be glad to find out that the CIMB World Mastercard has privileges to offer you in this area as well.

World Mastercard cardholders are eligible for the Mastercard Southeast Asia Golf world programme, which gives you 50% off walk-in green fees at 25 courses in 9 countries. So, if you’ve ever wanted to achieve a hole-in-one in Taiwan or Korea, know that the CIMB World Mastercard has benefits to offer while you chase that dream.

Enjoy 15% OFF at The ZON Duty Free Outlets

No trip is complete without a stop at the duty-free outlets on your way home. You might want to add to your stock of duty-free goods at home, or perhaps you just forgot to pick up enough souvenirs on your trip. Either way, do your duty-free shopping at The ZON Duty Free outlets in Malaysia and get rewarded with an instant 15% discount when you pay with your CIMB World Mastercard. With both duty-free prices and this cool discount, you can get all the chocolates, skincare, and fragrances you need at a really neat bargain compared to ordinary retail prices.

Airport Premium Ride From RM99

Don’t stress about having to flag a cab home when you’ve just disembarked from a tiring flight. As a CIMB World Mastercard cardholder, you can book a one-way or return ride of your choice between Klang Valley and KLIA or klia2. Prices start at RM99 for a Toyota Innova, but you can also opt for a Nissan Serena Hybrid or a more luxurious BMW 5 series or Mercedes E class. If you book a return ride, you also enjoy an additional 10% off.

CIMB World Mastercard – Your Ultimate Travel Companion

As you can see, the CIMB World Mastercard isn’t just the card you would use when you are travelling overseas. From the moment you book your flights right until you finish up your trip with some duty-free shopping, the CIMB World Mastercard has rewards and benefits to offer you galore. Moreover, this travel credit card has an annual fee waiver and so comes free for life. Don’t miss out on all the travel perks you could be enjoying– get yourself the
CIMB World Mastercard

today.

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ringgitplus

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    Doreen Teh

    3 years ago

I am 60 year old, can I apply

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    Pang Tun Yau

    3 years ago

    Reply to

        Doreen Teh

Hi Doreen, yes. Most banks do not impose an upper limit for age eligibility (we found one that sets the limit at 65 years though). Most of the time, if you are able to provide income documents that fulfill the cards’ requirements, you are eligible to apply. If not, some banks request that you place a fixed deposit of the amount equal to the credit limit granted.

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How to Turn Any Hobby Into a Side Income

“Find three hobbies you love: one to make you money, one to keep you in shape, and one to be creative.”

We’re not sure where this quote comes from, but it sure sounds like solid advice. Most people’s hobbies fall into the latter two. A sport they picked up at school and enjoy doing on their free time, or a talent they discovered and flex every once in a while. But what about the first type of hobby?

Maybe for most of us, coming up with a product to sell and finding a market to sell it to isn’t the most natural thing to do in our free time. But did you know there are ways to make money with the hobby you already have? Even if you think your hobby is not entirely exciting or interesting, we assure yo there’s a way to turn it into some handy pocket money.

Sell the Things You Make

This is an easy one. Maybe you enjoy filling your free time by doing something with your hands. Baking, knitting, or fixing old machinery, for example. If that’s the case, there are plenty of avenues to sell the finished product at the end of your projects over the internet to interested parties.

Etsy
 is good for arts and crafts,
eBay
 is good for refurbished items, and there’s also
Mudah.my
,
Lelong
, and
Craigslist
. As long as you don’t attach too much sentimentality to the thing you produce as a hobby, you can sell them and make a tidy profit. You’d be surprised at how much value other people will put on something handmade.

Teach People Your Hobby

Maybe you like cooking and your food is always gobbled up before you can even think of selling it. What you can do then is teach other people how to cook like you. Skills or talents that you can teach besides the cooking one we mentioned, include playing a musical instrument, practicing a martial art, and even a specialised hobby like yo-yo or skateboarding can be turned into a class for hopeful newbies.

You can advertise via any social media channel and offer classes to anyone interested. Being a teacher is one of the best ways to learn more about what you’re teaching, plus you get to still be involved in the hobby and get extra cash at the same time.

Build on the Hobby’s Community

Well, what if your hobby is something people don’t seek lessons for, like say, coin collecting? Then what you can do is get together with other collectors in your area and organise get-togethers or trading fairs. You can set up a community with Facebook and help newbies, arrange trips or invite each other to mingle with those of the same hobby.

Building a fan club won’t initially make you much money, but raising funds for a trip or making merchandise can be a good way to pocket some extra cash here and there while also enjoying your favourite hobby with more people.

Share What You Do on the Internet

So you don’t make things, you don’t like teaching, and you’re skittish around other people. Then what you can do with your hobby is document it and share it online. You can start a blog, (or better yet, a vlog) and talk about your hobby and why you like it. Broadcasting your hobby over the internet will get you a following, however niche that hobby might seem to you right now. The internet is a vast place with people of varying interests and chances are, they’re looking to connect with people like you who have the same zebra hair-collecting hobby as them.

Once your blog or vlog gets a good following, you can count on brands or products inviting you to their events and offering to sponsor you. Ad revenue sharing like
nuffnang
,
gushcloud
 or the
YouTube Partner Programme
 can also provide you with a cool side income. The only catch with this option is you have to keep posting things about your hobby. Which, if it really is your hobby, won’t be that hard for you now, will it?

Turning a Hobby Full-time

Quite a few hobbyists found they were able to make such good money from their hobbies; they took the venture full-time. If you’re keen on doing so, and have noticed a tidy profit from your activities; you’ll need to consider a good business loan to get you started (unless you made SO much money that you have a tidy capital already!).

Finding a small loan can be tedious when all you want to do is carry on working on your newfound passion business. Let us help you. Our
personal loan calculator
 is just the tool to help you find that little seed fund to grow your business.

Those are our tips for turning any hobby into a side income. Are there any other ways you think we missed? Maybe you think you have a hobby that can’t make you money at all (we doubt it)? Whatever it is, we’re happy to hear from you. Let us know in the comments section below!

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