How To Apply For The Bantuan Prihatin Nasional (BPN) Aid

*Editor’s Note: Looking for information on the new Bantuan Prihatin Nasional (BPN 2.0) aid? Our
latest guide on BPN 2.0
 can be found here.

Last week, Prime Minister Tan Sri Muhyiddin Yassin announced that the government will be giving out
Bantuan Prihatin Nasional (BPN) financial aid
 to B40 and M40 Malaysians. The Ministry of Finance has since provided some
further clarification
 on how the one-off payment will be disbursed.

Here are some frequently asked questions regarding the BPN aid and how to obtain it.

Am I eligible for Bantuan Prihatin Nasional?

According to
LHDN
, Malaysians will be notified via SMS or email regarding their eligibility for the BPN financial aid, starting in stages from 1 April. If you have received that SMS or email, you do not need to carry out any further checks regarding your eligibility with LHDN.

The BPN aid is offered to these eligible categories below:

Eligible category

Amount of cash aid

Expected recipients

Payment schedule

Households earning RM4,000 and below

RM1,600

Up to 4 million households

Payment of RM1,000 in April and RM600 in May

Households earning RM4,001 – RM8,000

RM1,000

Up to 1.1 million households

Payment of RM500 in April and RM500 in May

Single individuals aged 21 years and above earning RM2,000 and below

RM800

Up to 3 million individuals

Payment of RM500 in April and RM300 in May

Single individuals aged 21 years and above earning RM2,001 to RM4,000

RM500

Up to 400,000 individuals

Payment of RM250 in April and RM250 in May

If you are uncertain about your eligibility status for the BPN aid, you can check your status online on the
LHDN website
.

How do I apply for Bantuan Prihatin Nasional?

Those who are recipients of the Bantuan Sara Hidup (BSH) aid do not need to apply as they already on the BSH database. Similarly, registered taxpayers with Lembaga Hasil Dalam Negeri (LHDN) also do not need to make any application as they are already on the LHDN taxpayers database. As mentioned above, you will be notified by LHDN if you are eligible and
you do not need to take any further action.

However, if you are
not registered
 with BSH or LHDN, you can make a
new application
 on the
official LHDN website
 between 1 April and 30 April 2020. If you meet the eligibility criteria but are not marked as eligible on the website check, you can make an
online appeal
 between 3 April and 30 April 2020 – also on the LHDN website.

How will I get my Bantuan Prihatin Nasional payment?

The BPN payments will be made to eligible recipients through direct deposit into their bank accounts. For those in the B40 category who are also Bantuan Sara Hidup (BSH) recipients, the payment will be automatically made into the bank account that is currently registered in the BSH database. Likewise, eligible M40 recipients who are on the Lembaga Hasil Dalam Negeri (LHDN) taxpayers’ database will also receive their BPN payments directly into their registered bank accounts.

The BPN payments will be carried out in two parts – one in April and one in May 2020. However, those who need to make new applications will receive their payment in one go during the month of May upon approval.

***

The Ministry of Finance also warned the public to be wary of falling victim to scams related to the Bantuan Prihatin Nasional aid payments. The public is encouraged to contact the Ministry of Finance or LHDN through their official hotlines for any further enquiries.

You can reach the Ministry of Finance between 9am – 5pm on Sundays to Fridays at 03-8882 9089/03-8882 9087/03-8882 9191/03-8882 4565/03-8882 4566. You can contact LHDN during the same operating hours at 1-800 882 747 or 03-8911 1000.

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    Seshi@Santha a/p S Ramanathan

    3 years ago

I have two brothers who are single and OKU. I would like to apply for aid under the Bantuan Prihatin Scheme

74

Reply

    Lian Siew Keng

    3 years ago

Hello,

My brother applied for BSH, his income per month is RM3,100.

somehow he was not eligible for BSH.

Is he eligible for the BPN ?

86

Reply

    Loqman Hakeem

    3 years ago

What about single individuals who was born i  1999 but not yet reach their birthdays…ie: One was born in May or September…or after April 1999? Are they eligible too?

Thank You.

5

Reply

    SIMON LIM

    3 years ago

Hi  How do I register & apply for BPN? I retired last year, 2019, and filed an income tax return showing that i had NO income and my wife is a full time housewife too, with no income. Is my household therefore eligible for this BPN as we  have never registered with LHDN for any aid before. Thank you

26

Reply

    Lim Sew Pin

    3 years ago

I cannot find where to apply BPN online even I have login to
http://www.hasil.gov.my

12

Reply

    Chiew Wai Cheng

    3 years ago

I was a BRim applicant but for 2 years LHDN has denied my application stating that I am registered with SSM for 2 counts.

I have gone to LDHN to verify but fall to deaf ears. This year LDHN deny my application again

 Should I re- register?

2

Reply

    Ooi Gaik Wah

    3 years ago

Understand that the Bantuan Prihatin Nasional is open for registration on 1st April 2020. At the moment a lot of people try to log into
http://www.hasil.gov.my
 but unable to get connection. Any dead line? Please advise.

7

Reply

    Dr Sharifa Abdul Aziz

    3 years ago

I am a part time lecturer in fpsk,USIM getting about RM 1000-1500 per month this year. Am i eligible for BPN.

2

Reply

    Hoong Chee Wong

    3 years ago

How to register that some totally poor and not educated

3

Reply

    Lilian Suk Yee Liew

    3 years ago

I am jobless and single. Which category shall I apply?

1

Reply

    vasandy

    3 years ago

hi , how apply Bantuan Prihatin Nasional ?

4

Reply

    Lian Siew Keng

    3 years ago

Yr2018, my hsehold exceed 4k, yr 2019 I retired in May. is my husband income RM2,700. Is eligible for PRIHATIN

32

Reply

    Nina

    3 years ago

how to apply for the new application for BPN

0

Reply

    Emily teng

    3 years ago

Can a bankruptcy apply Bantuan Prihatin Nasional

0

Reply

    Chow Yoong

    3 years ago

No registered bank account with income tax dept.  Can i get my payment ?   How?  Pls advise.  Asking on behalf of my husband.  Tqvm

0

Reply

    TAN HENG HOCK

    3 years ago

my wife and my monthly income is about rm 6 000.can I apply? I got problem of filling ” STATUS PERKHAWIN SEKARANG. When I filled in the date,month and year when I register ,eg. 03/01/1974, it ia wrong.

1

Reply

    PN NG

    3 years ago

my daughter is 20yrs old working  while waiting for entry into  public u. she is not eligible for the rm120 in bsh  because she is above 18yrs and she is not eligible for the rm800 bpn  because she is under 21yrs . this isn’t fair right? why is this category left out?

0

Reply

    Lim Li Seng

    3 years ago

i want to do new aply register for bpn how to do it

0

Reply

    Eswaran a/l Subramanian

    3 years ago

my salary 3,000.00 and married I have three children who are not able to help if i can get help

0

Reply

    Prakads

    3 years ago

I have brother who works at kampung and without bank account how apply BPN ? If apply via online required bank details.can anyone advice.

13

Reply

    Bong liuk chian

    3 years ago

What about oku,,

-2

Reply

    erdawaty

    3 years ago

salam.saya cuba daftar tapi akan reject kerana alasan disitu pasangan telah digunakan oleh pemohonan lain .macmana ya..suami xde mohon pun

0

Reply

    Y C NG

    3 years ago

My husband is a pensioner getting below 4K. I retired on 30 March 2019. Currently not in an employment. I received an sms stating that I am eligible for “keseluruhan RM1000”. As my husband & I are in the below 4K category, shouldn’t I be eligible for RM1,600/-?

4

Reply

    Banooprriya veejeyahshegarun

    3 years ago

I check my status and it says lulus but I want to check and change my account number as I’m not using the previous account number anymore.how do I do this ?

Thank you

5

Reply

    HENG AH WAH

    3 years ago

HOW TO APPLY ?

4

Reply

    Salini

    3 years ago

Hye there….can i reapply the BPN becouse the name are type in wrongly…

-3

Reply

    Krishna Moorthy A/L Nookannah

    3 years ago

Hello, I loss my job due to company downsizing headcount last year March 2019. From Jan 2019 to March 2019 BCP was deducted. My VSS I received after deducting tax. Since then I am jobless from April 2019. When I checked the system, it shows both myself and my wife not entitled due to pay above RM8K. But I am jobless since April 2019. Am I nor my wife entitle for PRIHATIN?

4

Reply

    Devi d/o Kuttappan Nair

    3 years ago

I am eligible for the category ‘Pendapatan Isi Rumah RM4000.00 ke bawah.

When i checked my eligibility it shows RM500.00.

6

Reply

    SOH KEY THEE

    3 years ago

I am a taxi driver, how do l apply ?  So far all my fellow taxi mates are in the dark as nothing has bee says about us. Thank you

0

Reply

    sarah

    3 years ago

hi…I m working as a tutor…and am paying Incomtax…my income is rm4k…so i taught am entitled fr BPH rm1000…but when checked TAK LULUS…May i know Why?? and now as a tutor am not getting any income!..pls advice..tq

0

Reply

    NAHANTHIRAN SELLAMUTHU

    3 years ago

I have applied for BPN 2 weeks ago. When I click the “SEMAK” it shows Borang di Terima. Kemasmini permohonan, 5 times I went through the application and updated.  Now the message still appearing. For your information

I am a pensioner getting RM1200 per month. Wife not working. I am also a Bankrupt because I was a guarantor for other people who is already dead in 2013.

Why is it I am not getting. I also applied for BRIM. Also rejected. I am really disappointed. INI KAH CARA KERAJAAN HAMPAKAN RAKYAT.

Please help to on this

0

Reply

    Nicholas Thien

    3 years ago

Last year i applied for bsh. I put my wife bank account no. Now bpn cannot be credited. I check lhdnm web and my account is correct. Cannot change any bank details in bpn web. Why this system cannot update. The bpn follow bsh details but not lhdnm web. Should look into discrepancies in both systems

0

Reply

    CT Chua

    3 years ago

I would like to find out if I am eligible for BPN.

I am 73 years old. single (bachelor), living alone.

I am a pensioner getting about RM6000 a month. I do not have any other source of income.

As I have not been working for several years now, I have not submitted any income tax assessment for the period.

0

Reply

    Thara Arni

    3 years ago

Hi There,

My BPN was approved. But I have received the amount due to wrong account number. May I know how to update the account number. When I tried from the BPan portal, there is no options to update details. Could you please help me?

0

Reply

    Kim Foon

    3 years ago

my brother 39 years . His work only RM1800 base on cash . So he did not have the bank account number and his is the new member how he need do and how i need help him . Please revert and now he did not working how .

0

Reply

    Jacie Tan

    3 years ago

    Reply to

        Kim Foon

Those without bank accounts will receive their aid in cash at BSN.

2

Reply

    Helena Cheah

    3 years ago

is non malaysian entitle tp  BPN eventhough they pay tax in Malaysia for their Malaysia company?

0

Reply

    Alice Lee

    3 years ago

With regards to Bantuan Prihatin Nasional govenment will deposit the money direrctly into individual bank account so what happen to those whom do not have any bank account, what should they do in order to get the payment, how to apply anyone can advice  about the procedures ?

0

Reply

    lee thye lok

    3 years ago

how to apply for BPN retired in 2015

0

Reply

    Roy Lee

    3 years ago

I have yet to receive mine

0

Reply

    rizal pascual bin abdullah

    3 years ago

how do i know if payment is made into my bank account

1

Reply

    Christine

    3 years ago

I would like to appeal Bantuan Prihatin Nasional (BPN) aid Scheme. Im married woman with a daughter and not being working since Jun 2016. I declared my income tax separately and NO INCOME since then. I have no business company what so ever set up. But I was rejected BPN because feedback stated from BPN that the spouse owns company based on applicant agency data. The company not owned by me or the spouse is a separate entity. The company was closed down more than 10 years ago with total lost and the company owned by another director Gary Gan
…
Read more »

0

Reply

    william

    3 years ago

my status for BPN is lulus but i cant update my bank account and i didnt get any sms. what should i do?

0

Reply

    NANTINI RENGASAMY

    3 years ago

I dapat duit perihatin fasa 1 saje..fasa 2 belum masuk …kenapa

0

Reply

    Shalini Cweet

    3 years ago

Hi my husband get salary RM 2000-3000 but he get BPN AMOUNT PAYMENT is RM1000. Why never get RM 1600. 10q

0

Reply

    zurina jasbeer binti abdullah

    3 years ago

how do i apply for bpn prihatin , i try to download foam but can’t download please help , my first to fillup the foam thank you.

1

Reply

    bibi surjit kaur

    3 years ago

i am unemployed. can i get the bantuan prihatin nasional.  i am 62 years. my husband is drawing pencen below RM 800 a month. TQ

my bro is also not working . can he also get the funds. his age is 58 years

0

Reply

    rosdi bin dali

    3 years ago

to much long time not apply so any body can help me … i singgle  status  dudah bercerai  umur 43  help me plz

0

Reply

    HML

    3 years ago

Hi, anyone know how to apply bantuan prihatin national ? I thought its auto enrol. can i visit their office or email them ?

0

Reply

    Teoh Ho Keat

    2 years ago

Salary low cant maintain all the expenses

0

Reply


Registration For ePemula Programme Starts Today

(Image: The Star/Samuel Ong)

Registration for the ePemula programme has opened today (11 April 2022), enabling eligible youths and full-time students at local higher learning institutions to register and receive a one-off RM150 e-wallet credit.

According to the Ministry of Finance, the registration period for ePemula will run until 1 June 2022, and eligible individuals can do so with any of the four e-wallet partners selected for the programme. These include
BigPay, GrabPay, ShopeePay, and Touch ‘n Go (TNG) eWallet
. Meanwhile, the e-wallet credit – once received after successful registration – will be valid until 10 June 2022.

“Apart from RM150 in the form of e-cash credit from the government, the e-cash service providers – namely BigPay, GrabPay, ShopeePay, and TNG eWallet – will also provide additional incentives in the form of cashback, vouchers, accumulated points or coins during the programme period,” MoF further said.

The
ePemula programme
 was initially introduced during the tabling of Budget 2022, with the aim of encouraging cashless transactions among young Malaysians. With an allocation of RM300 million, it is open to Malaysian youths aged 18 to 20 (born between 2002 to 2004), or full-time students who are studying diploma or Malaysian Skills Certificate Level 4 (SKM4) and above at registered local institutions. About two million youths are expected to benefit from this programme.

Prior to this latest ePemula programme, other similar e-credit incentives that had also been rolled out by the government included
eTunai Rakyat
,
ePenjana
, and
eBelia
.

(Sources:
The Edge Markets
,
ePemula
)

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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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The Risk of Forming Partnerships With Unvetted Companies And How You Can Reduce It

In almost every business practice, it’s common for a business to operate in collaboration with other companies at one point or another – whether in the form of a business partner, or perhaps even a vendor.

Either way, once a business partnership is formed, the
performance
 of your business becomes closely tied to the stability and performance of your partner companies. Because of this, it’s important to only choose potential partners or vendors that inspire confidence in you, especially if you’re looking for long term partnerships with long term mutual success.

Why Trust Is Important For Long Term Partnerships

When you partner up with a company that has not yet been verified as trustworthy, there’s a chance that they could be overrepresenting their true financial strength and business capabilities just to seal a partnership deal with you. Promises are easy to make, but backing them up is what really counts.

After all, partnering with a company that doesn’t have the means to hold up their end of the bargain at the most critical moment could disrupt your delivery chain, and subsequently affect the reputation of your company.
 Furthermore, your partner’s reputation will also have an indirect impact on what others think of your company, hence ensuring that none of the incidents above take place is in both parties’ best interest.

Verification – The Best Way To Establish Trust And Confidence

Trust, however, takes time to build. So how do you decide if your potential partner or vendor can be trusted before you actually start working together? You shouldn’t just rely on word of mouth or your gut feeling. What you can do is understand and verify their background with a
MyBiz report from Experian.

MyBiz is a comprehensive report that provides you with a quick, truthful and easy view about any company, based on information obtained from the Companies Commission of Malaysia, also known as Suruhanjaya Syarikat Malaysia or SSM.

You can find a company’s basic information, addresses and market information on a MyBiz report

Among the details contained within it are the basic information about a company, such as its name, contact number, former name, incorporation date, SSM status and business description. You can also find a company’s registered address, business address, market listed date, market stock name and market stock code.

Very importantly, MyBiz lists out all of a company’s key business figures and statistics, thereby giving you a complete and accurate picture of how well it’s performing financially. These details include its paid up capital, earnings per share, revenue, profit after tax, income statement, balance sheet and key financial ratio. You can know who the company’s directors are and get its shareholder information, as well.

Detailed business figures and statistics to accurately show a company’s financial performance

Thanks to
all of these features
, MyBiz empowers companies to make better decisions when forming business partnerships, allowing you to see potential partners and vendors for who they really are, and not just who they claim to be. With MyBiz, a little due diligence can have an impact in protecting your bottom line.

MyBiz
Can Also Be Used For
Pre-Investment Research

In addition to vetting potential business partners,
you can also use MyBiz to carry out
 research on any locally listed company that you might want to invest in on the stock market. As a savvy investor, you’ll want to be as well informed as you can be about a company’s business performance and financial outlook before you even invest a single sen in its stocks.

The same information about a company can also be used for pre-investment research

To help you
 make better decisions in business and in the stock market, be sure to
find out more about Experian’s MyBiz
 today!

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What You Need to Consider Before Buying A Property for A Small and Medium Enterprise (SME)

One of the biggest concerns when starting a new (especially SME) business is usually about the office or retail space. Most businesses rent at the beginning, but there may come a time where owning the property would make more financial sense instead of renting and paying off someone else’s loan.

After all, you get to add an asset under your business’s name. But, before you start dialing your trusted property agent’s number, here are a few things you
need
 to consider before purchasing a property for your SME business.

Do You Have Sufficient Cash-flow?

Buying an office lot or commercial lot costs a large amount of capital outlay. The down payment alone will require
20% of the property price
, with the remaining 80% on loan. On top of the hefty down payment, you have to take into account how much the stamp duty, documentation, and lawyer fees will add on to your final purchase price.

Say for example you’re looking to buy a commercial property that costs approximately RM1 million; the down payment alone will set you back a minimum of RM200,000. You will then have to engage a lawyer for legal documentations, a valuer to ascertain the price of the unit, pay stamp duty, memorandum of transfer fees, as well as miscellaneous charges for utility connection. A ballpark figure for all these additional costs would be around 3% to 5% of the purchase price.

Are You Sure You Have the Right Location?

Before putting down the down payment for your new office or business, you first need to evaluate how much of your business depends on the location. If your business is mostly held online, then any old office (so long as it’s convenient to you) would probably do the trick as a future relocation (if your business is expanding or for whatever reason) will do you and your business little harm.

However, if you’re setting up a shop for the consumer, the location is key to your business’s success. You need to do your research; how dense is the population in that area? Do your products fit the needs of the people living in or visiting the area? Is it sustainable for the long term? Consider all these questions and more before you settle for a location for your SME business.

Is It Compatible with Your Business’s Future Growth Plans?

When looking at the growth of a business, it is vital to forecast where the business will be in the coming years. It would make no sense to buy a space and outgrow it within the next year or two, as you will then need to spend even more money to acquire a second, larger, space.

On the other hand, it would be extremely unwise to buy a huge office or retail space and realise that your SME business works better as a small boutique store or a kiosk. You would then have a tonne of unused space that will be more of a burden to your finances.

Some Alternative Routes to Look At

If you are looking for office space for your SME business, maybe the best route to go is to rent in a co-working space. These offices are usually fully equipped and carefully designed to fit your burgeoning business needs. Once your business is set on stable ground, only then should you consider buying up a commercial lot to avoid under or over buying space that you would utilise.

Maintaining your own business property might turn out to be a challenging road if you aren’t fully prepared, so make sure to also have enough liquid assets and capital to support your SME business for the long term before you turn towards building your non-liquid assets. If you’re looking for more tips and advice on how to better manage and boost your SME business, head to
RHB’s SME Knowledge Center
 for more articles today!

This article was brought to you in collaboration with RHB SME Banking.

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Securities Commission Liberalises Unit Trust Framework To Allow Wider Range Of Investments

(Image: Business Today)

The Securities Commission Malaysia (SC) has announced that it is revising its unit trust fund framework so that retail funds can soon invest in, as well as offer, more investment instruments and activities. This liberalisation of the Guidelines on Unit Trust Funds is expected to take effect starting from 1 March 2022.

In a statement, the SC stated that a key amendment to the Guidelines is to expand the list of permissible investments by unit trust funds. Additionally, it will also enhance the operational processes in fund management, and improve clarity on existing requirements for market participants.

“Other measures include allowing unit trust funds to undertake more activities for the purpose of efficient portfolio management. Risk management requirements at enterprise and fund levels have also been strengthened, including the requirement for fund information to be made available on the management companies’ website,” said the SC, adding that these updates will enable management companies to develop more innovative products and up the quality of their services.

(Image: The Tokenist)

The SC also explained that the new framework will contribute to a more diversified investment ecosystem, and serve as a catalyst for product offerings as part of a wealth management solution that meets investors’ retirement objectives. These include the offering of wealth decumulation products – described as instruments that help you manage your retirement assets so that they can generate the income necessary to fund your golden years.

The liberalisation is also in line with the goals set in the
Capital Market Masterplan 3
, one of which is to become a relevant, efficient, and diversified capital market within the next five years. Furthermore, the SC has carried out an extensive benchmarking exercise, obtained feedback via a public consultation process, as well as engaged with key stakeholders to ensure that the amendments can be seamlessly implemented.

Meanwhile, the chairman of the SC, Datuk Syed Zaid Albar chimed in to say that these enhancements are intended to help retail funds better meet the growing demands and risk appetites of its investors. This is especially since unit trust funds currently make up the largest component of the Malaysian Collective Investment Scheme industry, with 39 locally-incorporated management companies offering 734 unit trust funds as of 31 October 2021. Its total net asset value stands at RM551.36 billion.

“This will encourage the growth and development of unit trust management companies, and also enable investors to rebalance their short- and long-term objectives with more diversified investment offerings. More importantly, this will bridge the regulatory gap between domestic and international offerings, and allow local funds to remain competitive in the face of a rapidly evolving market environment,” Datuk Syed Zaid further commented.

Aside from liberalising the Guidelines on Unit Trust Funds, the SC also noted that it is introducing significant amendments to the Guidelines on Private Retirement Schemes and the Guidelines on Exchange-Traded Funds (ETFs). These will come with appropriate modifications.

(Source:
Securities Commission
)

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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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How to Stop Fighting with Your Partner About Money

We don’t claim to be relationship experts here at RinggitPlus, but we do know our money. And if you argue with your partner a little too much about money then maybe we might know a thing or two to help you address that problem.

Financial disagreements are
a major factor for divorce among Malaysians
 so it’s important to figure out how to handle this topic productively with your partner while avoiding domestic disaster.

Get Comfortable Talking About Money

This tip may be more for those who are still in the ‘getting to know each other’ phase of a relationship, but it doesn’t hurt to keep in mind. For many people, money might be a difficult or taboo topic of conversation on par with religion or politics. However, it’s actually essential that you discuss money with your partner seriously and often.

Doing this early on in the relationship will clue you both in on the kind of financial priorities your partner has and can help identify shared goals and challenges that you both can work on together. You also get to know whether or not they have a good financial plan and how careful they are with their cash. Financial incompatibilities may seem like a non-problem early on in a relationship, but that ship’s course can go wayward if you don’t communicate enough about who spends how much on what.

Learn Each Other’s Spending Style

As we’ve covered before,
different people have different spending styles
 and this heavily affects how they manage their expenses. A simple exercise you can conduct to find out each other’s spending style is to track your receipts every day for a month and review the other person’s list of expenses. You then go through each of your partner’s purchased items and order them by priority, and let them do the same with yours.

Once you do this you will definitely learn that you both have different priorities when it comes to spending. Based on this, you can start understanding and accepting your partner’s (and your own) values when it comes to expenses. This way, you won’t be upset or taken aback when somebody spends what looks like too much on sports equipment or discounted tableware, because you understand each other’s spending quirks.

Be Transparent About Your Missteps

This one might be
a lot harder for some of us to do
 since admitting mistakes is particularly embarrassing especially to someone you admire and who admires you back. But honesty and transparency is important when it comes to finances since there’s always a paper trail. Try your best to be upfront about debts, bad purchases you’re still paying for, or other financial tumbles with each other.

Doing this is part of being more frank with each other about personal problems and making sure that you and your partner can work together to manage them without any shame or judgment.

Regularly Communicate Each Other’s Financial Goals

By now you should know the spending styles and
different financial priorities
 of each other and know how to work around them right? While that’s true, you shouldn’t ignore that as we grow and change, our priorities and values might evolve alongside. With that, so do our financial goals, targets, and fears.

This becomes especially important when approaching big relationship milestones like moving into a new house together, deciding to have children, or getting a new job. These choices and the financial motivations behind them should be a regular household conversation so that all potential challenges or difficulties can be met with together with no uncertainties or unpredictabilities.

Make a Budget Already

We talk about budgets quite often as it really is absolutely essential in getting the most out of your finances. When you’re single and there’s relatively little to manage, you might get away with not drawing out a budget. However, once you start sharing financial responsibilities, that budget becomes significantly imperative to the health of your finances and by extension, your relationship.

There are several ways to go about
preparing a monthly budget
 and you can make a day out of it with your partner. Spend a weekend hashing out who makes how much and where should it go month to month. Make it fun by saving up for a couples expense or holiday so it doesn’t get boring. Trust us when we say, planning things out this way will help immensely in making sure your cash flows smoothly.

Give Each Other Some Wiggle Room, and Be Forgiving

While it’s crucial for both of you to keep an eye on the finances together and manage things carefully, you also shouldn’t be too strict about it. Remember that both you and your partner make mistakes, and that money isn’t the only thing that keeps a relationship secure and fun.

Don’t forget to allow some room for splurges or occasional impulse buys in your budget. And be open to both of you not being able to stick to certain money rules sometimes. Your relationship is worth more than money can buy, so pick and choose your arguments wisely.

Just as any other arguments or road bumps when it comes to relationships, most of it can be worked through with the right amount of honesty, transparency, acceptance, and a willingness to communicate with candor. We hope with these tips, you now have some idea on how to turn that heated discussion about spending to something productive. Good luck to you and yours!

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Visa: 44% Travellers Now More Likely To Use Cashless Payments When Travelling

(Image: The Malaysian Reserve)

A survey by Visa has found that 44% of travellers throughout Asia Pacific – including Malaysians – are now more likely to pay for their purchases using cards or mobile phone apps when travelling as country borders begin to reopen from Covid-19 lockdowns. Revealed in the Visa Voice Of The Consumer 2021 report, this is in an effort to avoid going to money changers or touching cash in general.

According to the country manager for Visa Malaysia, Ng Kong Boon, personal safety continues to remain a top priority for consumers despite the reopening of borders for travel. “One of the activities all travellers do regardless of destination is making payments. That is why digital payments will play a crucial role in both stimulating business recovery as well as limiting physical contact and the spread of infection,” he said in a statement.

Ng also commented that contactless payment has seen significant growth during the pandemic thanks to its speed, convenience, and safety. “We believe that cashless payment habits will continue to be the norm in a post pandemic era as contactless remains the first choice for face-to-face transactions,” he further said.

Aside from this, Visa’s Voice Of The Consumer 2021 survey also uncovered various other travel trends among Malaysians, including the fact that 65% of the Malaysian respondents polled are eager to travel locally. Meanwhile, 40% of them are looking to travel internationally for leisure by mid-2022.

A majority of the Malaysian participants – amounting to 54% – also said that they are interested in travelling within a travel bubble, although not in the immediate future. In contrast, 16% said they are keen to travel as soon as a travel bubble is announced.

Finally, the survey’s Malaysian respondents revealed that they will consider three top factors before making any travelling decisions, namely vaccination (66%), the severity of the Covid-19 situation in their travel destinations (66%), and the decrease in global Covid-19 infections (56%).

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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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Basic Home Buying Steps Not to Ignore

There are certainly a tonne of tips in the market that is supposed to help you make a decision regarding your home. We’ve talked about them too: from finding the
right to location
, to
considering newbie buying concerns
.

There’s nothing wrong with getting really detailed about your home buying venture, but just like any decision in life – the best foundation is to start with the basics.

These fundamental steps are often ignored when the home search frenzy takes over. Keep your head and remember to take these steps!

Know What You Want

Many rush into a home purchase only to regret later on simply because they failed to ask themselves the all important question – what do I really want in a home?

Some look for short term living before moving out while others look to build a family legacy in these homes; some prefer living in apartments while others look for property that is firmly grounded.

These are some of the more common questions one should direct inward or if you are starting a family, consult the other half and figure out how this purchase fits into the perspective of your future together.

Knowing what you want can help you narrow down choices and instantly decide if something isn’t for you. This saves you not only time but the confusion that often leads into a bad decision.

For instance if cashing out on its inevitable rise in cost over the next 5 years is what’s on your mind, then you wouldn’t mind living in a smaller apartment to be sold in due time. But if you’re looking for that final home for your future generations, you might want a nicely renovated house in a safe and convenient part of town.

Considering great hikes in price, it helps to always be aware of how this home fits into future plans and of course, a certain degree of practicality is always welcome!

Do Your Home Work

Based on what your intentions are from the above paragraph, you would be able to establish the kind of home you are on the prowl for – a little research is required before making that next big move.

Property prices might be in the higher range if the dwelling is in the booming market, but there most certainly are housing areas that offer competitive rates albeit with a little less fanfare and glamourous marketing.

These houses, be it landed or apartments, are affected by an entire list of factors like distance to public transportation and basic facilities just to name a few, but if you’re willing to sacrifice a some creature comforts, you might be able to a find a better bargain.

Research online and pit these competitive rates against each other. Weigh out your options and compromises as well as intentions. Call up agents or owners to find out how much volatility exists between the units that you have your eye on.

Have a spreadsheet to keep track of units if you have dozens that present themselves well, listing pros, cons and not-sures.

Sometimes house-hunting can be a luck of the draw. A desperate owner may be willing to sell a house way under market value but there equally may be another wanting to hike the price as much as possible. If you’re lucky, you may be just in time to find that bargain window where a need-to-sell owner meets you; the need-to-purchase buyer!

Don’t Rush But Don’t Take Too Long

Decisions, decisions – big or small, they’re all around us but nothing can quite compare to the tricky one involved in picking your dream home that costs for most people, a lifetime of repayments.

Once you’ve checked the boxes of the aforementioned tips, its almost time to call it. Knowing at the back of your head that the market hosts property that spikes erratically, one would do well as to make conscious decisions quickly but of course not rushing into making rash ones.

Make regular trips to the home you’re about to splurge on, surprise agents if possible to uncover any glitches that hide between the cracks to avoid spending more on repairs later on. You should have already visited your soon-to-be-home at this stage but frequent trips later on also help to get a clear idea what living there would be like.

Once you’ve made a decision, it’s good to act. Good deals in houses tend to get snapped up faster than you can blink so it’s important to keep your wits about you and make a good decision with firmness. However, at the same time, don’t be pushed by a badgering agent to make an offer before you are ready.

Making this decision is an almost delicate balancing act between waiting and acting. When you’ve found that house you can imagine a home in – it’s time to weigh and act!

Sign, Sealed, Delivered!

We do agree the above does sound a little easier that what reality holds in store, but these are just the basics – the backbone of a good house search.

As a round-up, here is the succinct fundamentals recap:

1) Know what you want and don’t want because wishy-washy won’t help.

2) Do the research and do not expect one agent to tell you the truth about all the good deals in the market. You have to do some work yourself.

3) Make a decision. It’s important to finally make a decision instead of tethering on the edge of “I am not sure” that will lead you to lose a good bargain. Temper this with thoughtful time, though, because rushing won’t be helpful either.

Once you’ve found the home that fits your criteria for a price point you can stomach, let us help you pick a
home loan that works to your advantage
.

If you do have experience to share in this area of home purchase, drop us your thoughts in the comments section below – we’d love to hear from you!

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Austin Victor

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Lazada Introduces New Everyday Cashback Rewards Programme

E-commerce platform Lazada has introduced a new rewards programme called Everyday Cashback, which allows buyers to earn and enjoy cashback by collecting vouchers and making orders on the platform. This is on top of other perks that buyers are already able to tap into, including free shipping and rebate vouchers.

To enjoy this new benefit, buyers will need to first collect Everyday Cashback vouchers, either through their Lazada profile page or on selected product pages of sellers who have enrolled in the Everyday Cashback programme.

Once collected, you can then redeem the vouchers through your purchase of eligible products, but note that the cashback is not immediately deducted from your current purchase total. Instead, the cashback earned will be credited into a dedicated Cashback Balance account. This Cashback Balance amount – which will accumulate as you make more similar purchases – can then be used to offset your purchase total for future orders.

Do be aware that the maximum amount of Everyday Cashback that you can collect is capped at RM45 per day. Additionally, all cashback earned will have a validity period of 30 days from the day it is credited into your Cashback Balance account (once the order has been successfully delivered) – so always make sure to keep track of the dates!

Note as well that while the Everyday Cashback voucher can only be redeemed with selected products (referred to as cashback-eligible products), the cashback credit that you have collected in your Cashback Balance can be spent on both cashback-eligible
and
 regular products. The amount of credit that you are allowed to spend will, however, differ for the two types of products; you can utilise your Cashback Balance to offset 30% of your order value if you’re purchasing cashback-eligible products, and 10% for regular products (capped at a maximum of RM5 cashback per order).

Aside from the new Everyday Cashback rewards programme, Lazada also offers numerous existing perks for its users, such as platform, store, and free shipping vouchers. Regular Lazada users will also be familiar with the e-commerce platform’s ability to stack up to
five vouchers
 in a single order during Lazada’s double date sales
 to maximise their savings when shopping.

(Source:
Lazada
)

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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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Convert Your Bank Points & Earn 10% Bonus Enrich Points

After spending approximately two years in lockdown with tight restrictions and regulations, many of us found solace in fantasising about pre-COVID times and a life that offered more freedom. When restrictions were lifted and international borders reopened, it’s no wonder that so many of us started travelling again. Whether it was near or far, to cross off destinations on our bucket list or to pay our loved ones an overdue visit, travelling gave back a sense of life that once was.

If you plan to travel soon, here’s an idea for you to consider: convert your bank points to Enrich Points! Successful qualified bank conversions transacted and received into the Enrich Membership account between 21 July to 17 August 2022 will earn an additional 10% Bonus Enrich Points.

To participate, you need to be an Enrich Member with a Credit Card from any of the participating banks or financial institutions. If you are not an Enrich member,
click here to register online
.

How To Convert Your Bank Points To Enrich Points

To convert your bank points, simply follow these steps:

Step 1 – Contact the call centre of your respective bank to perform your credit card points conversion.

Step 2 – Allow 14 working days for your Enrich Points to be credited to your account.

Step 3 – Check your account for converted points and enjoy.

Maximising Your Enrich Points

While you may think that Enrich Points can only be redeemed for airline tickets, there’s actually a variety of things you can do with them.

First, members could claim their points at Enrich hotels
through the website
 for hotel stays. Next, you could also benefit from enjoying 20% OFF Enrich lifestyle partners:

Skypark
Sunway Lagoon
SkyLounge
BP Healthcare
Senheng
Openhouse
Optimax
ZALORA
Klook
HappyFresh

Whether you plan to offset your next flight ticket, enjoy 20% off your next grocery haul, dining experience, or water park adventure, there’s plenty of things you can do with your Enrich Points.

If you’re an Enrich member, you can already start redeeming your points by
clicking here
.

Stand To Win A Trip For Two To Bali

Besides earning an additional 10% Bonus Enrich Points and enjoying discounts with your new points, one lucky winner will stand a chance to win an exciting trip to Hard Rock Hotel Bali.

To be the lucky winner, all you need to do is convert a minimum of 100,000 Enrich Points from one bank or Enrich Points converted and accumulated from multiple banks, and you’ll be in the running to win the following:

One (1) hotel voucher for three (3) days two (2) nights stay at Hard Rock Hotel Bali with daily breakfast at Starz Diner Restaurant.
40,000 Enrich Points worth two (2) return economy class flight tickets to Bali.

Terms and conditions apply.

***

If you have a holiday lined up in your agenda, you may want to utilise your bank points and convert them to Enrich Points instead. Why not offset your flight tickets when you already have the means to? Plus, you can also enjoy 20% off their lifestyle partners, which range from Zalora, Openhouse, Senheng, Klook, and many more. On top of that, you also have a chance to win a stay at Hard Rock Hotel Bali for two.

For more information,
click here to visit the website
.

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GrabPay Deals: Get RM5 And RM10 Rebates On Grocery Spend

GrabPay has an ongoing deal that offers users up to RM10 rebates on supermarket and mini-market expenditure. Running for the month of June 2021, there are two separate campaigns that offer either RM5 or RM10 rewards for selected grocery expenditures – and brand-new GrabPay users get an additional RM10 rebate on top of these deals, too.

RM5 Rebate With RM30 Minimum Spend

Spend a minimum of RM30 in a single receipt via GrabPay at participating stores to instantly receive RM5 rebate under “My Rewards”. You can check the full list of participating merchants on the Grab website, but for the Klang Valley this deal is applicable at KK Mart, TMG Mart, and TF Value-Mart.

Each Grab user is allowed to claim 5x redemptions of this deal throughout the campaign period. This RM5 rebate offer is limited to 30,000 transactions for the whole campaign and will be given out on a first-come, first-served basis.

RM10 Rebate With RM80 Minimum Spend

Spend a minimum of RM80 in a single receipt via GrabPay at participating stores to instantly receive the RM10 rebate. This RM10 rebate deal has a higher number of participating merchants, and these include:

Aeon BiG
Ben’s Independent Grocer
Cold Storage
Econsave
Giant
Hero Market
Mercato
Mydin
Tesco
TMC
Village Grocer

Each user can make up to 3x redemptions for this RM10 rebate. The offer is limited to 30,000 redemptions throughout the campaign period and the rebates are given out on a first-come, first-served basis.

RM10 Rebate For First-Time Users

In addition to the above deals, first-time users of the GrabPay Wallet are eligible for an additional RM10 rebate with a minimum spend of RM30 or RM80 in a single receipt. This offer is valid for one redemption per user throughout the campaign period.

The “RM10 rebate (min spend RM30)” offer is limited to 2,000 redemptions, whereas the “RM10 rebate (min spend RM80)” offer is limited to 3,000 redemptions. As per the norm, this offer operates on a first-come, first-served basis.

You can refer to the Grab website for more details on these
GrabPay deals
.

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Up To 30% Toll Discounts This CNY

Works Minister Baru Bian announced that highway concessionaires are offering toll discounts of between 10%-30% to car users this Chinese New Year. Motorists can look forward to special discounts offered by a total of 25 highway operators this festive season.

PLUS Malaysia Bhd will be offering 10% discount for cars (Class 1 vehicles) using the Electronic Toll Charge (ETC) for six of its highways. ANIH Bhd, which operates the KL-Karak Highway and East Coast Highway (Phase 1), will be offering 10% discount for Class 1 vehicles as well.

This special incentive for road users will be effective on 5 February, the first day of Chinese New Year, from 12.01am to 11.59pm.

Plan your travel hours ahead of time with traffic-predicting apps like Waze to avoid being stuck in the
balik kampung
jam. Make sure to be safe on the road and also avoid getting hefty fines as the police carry out the ongoing
Op Selamat 14
 this Chinese New Year.

(Source:
The Star
)

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Olivia Song

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GrabPay Review: When Rewards Points Are Actually Rewarding

The Grab app has come a long way since it first started out as a ride-hailing app, and so has its built-in e-wallet, GrabPay. Besides being a payment method for Grab services like Grab rides and food delivery, you can now use GrabPay for a variety of other transactions: paying for mobile prepaid reloads and utility bills, buying movie tickets, booking hotels – and making in-store purchases at GrabPay merchants.

GrabPay E-Wallet Benefits

Among all the e-wallets in Malaysia, GrabPay has the most comprehensive and structured rewards system. You earn a certain number of GrabRewards points for every RM1 you spend using GrabPay, which depends on what you spend on and also your membership tier. The more points you earn, the higher up the membership tier you’ll climb – Silver members need to earn a minimum of 200 points, Gold requires at least 900 points, and Platinum needs at least 3,500 points to unlock.

Member

Silver

Gold

Platinum

GrabCar

4.5x points

4.5x points

6.75x points

9x points

JustGrab/GrabShare

6x points

6x points

9x points

12x points

GrabFood/GrabLuxe

3x points

3x points

4.5x points

6x points

In-store purchases

10x points

10x points

15x points

20x points

*Note: These rates will be in effect until 31 September 2019.

Effective 1 July, GrabRewards points won’t expire as long as you make 1 Grab transaction within 3 months of your last transaction. (Previously, unused points would expire at the end of the following reward period after they were earned.) GrabRewards points can be used to redeem vouchers that offer discounts on Grab’s suite of services as well as its various partners. There’s also another use for GrabRewards points that some users might not be aware of: your points can offset the price of your purchase at GrabPay merchants (for transactions more than RM4).

What We Like

If you’re a Platinum member, accumulating GrabRewards points won’t be a problem – especially when you use GrabPay in-store at a merchant partner. At Platinum’s accelerated earn rate, you get 20 points for every RM1 you spend in-store. So, if you use GrabPay to pay for your RM60 bill at a café, you instantly gain 1,200 GrabRewards points – which you can use to claim RM10 off your next Grab ride, a free Gong Cha Signature Tea, or a Texas Chicken Combo!

Grab has a variety of vouchers that you can claim using your Grab points, and each of them costs a different amount of points to redeem. To maximise returns, you should redeem vouchers that have the highest “redemption value” – in other words, those that give you the highest value per GrabRewards point.

You can work out this redemption value quite easily by calculating the Ringgit value of a GrabRewards point for any Grab voucher. Let’s take a few Grab ride vouchers to illustrate.

RM5 off one Grab ride: 700 points = 0.71 sen per point

RM10 off one Grab ride: 1,240 points = 0.81 sen per point

RM25 off one Grab ride: 2,810 points = 0.89 sen per point

From the three vouchers, the RM25 Grab ride has the best return as each GrabRewards point carries the highest value after redemption. The difference may look tiny, but they will make a difference over time – especially when you’re earning points at Platinum tier, where you can get incredibly rewarding rates of return for every Ringgit you spend.

Using the same Grab vouchers above, if above you’re a Platinum Grab member earning points at a 20x rate, you get an effective rate of return of 17.80% for the RM25 voucher and 14.29% for the RM5 Grab ride voucher. That tiny 0.18 sen difference in points value translates to a noticeable 3.51% increase in returns. Regardless, the effective rates of return for GrabRewards are extremely good; even the best cashback credit cards rarely offer effective cashback rates above 8%.

Grab also occasionally slashes the amount of rewards points needed to claim a particular voucher – which would in turn make its redemption value go up. For example, if the RM10 off Grab ride voucher only costs 1,150 points to redeem, then that would bring its redemption value up to 0.87 sen per GrabRewards point (17.39% rate of return for Platinum members).

Furthermore, a lot of people overlook the fact that GrabRewards points can be used to get up to 100% instant rebates all its in-store merchants. However, at 165 points required per RM1 rebate, that would yield only a redemption value of 0.61 sen per GrabRewards point – so you would probably be better off redeeming any one of the Grab vouchers listed above instead.

If you still prefer using your points for cash rebates, this is what your effective rate of return would look like: to get RM1 rebate off your bill, you would need to spend RM8.25 (for Platinum tier) in order to earn the required 165 points. This gives you an effective return rate of 12%, which again is still higher than most credit card and e-wallet cashback rates in the market.

Finally, let’s also not forget that Grab accepts wallet reloads using credit cards, allowing you to “double dip” on rewards. Check out our guide on the best credit cards to reload e-wallets, which will yield even higher effective rates of return for every Ringgit you spend.

If you’re thinking that these rates of return are too good to last, then you’re right – you won’t be enjoying them for long. Grab has recently announced that there will be some changes to its points earning system. Effective 1 October 2019, Platinum members will earn 3x GrabRewards points for Grab services and 9x points for other GrabPay transactions.

What We Don’t Like

You can use GrabPay at quite a few F&B outlets in general, making it reasonably easy to collect a sizeable number of Grab points from one bill. However, we noticed that fewer small vendors accept GrabPay, and are more likely to accept other e-wallet apps like Boost and Touch ’n Go instead. Neither would GrabPay be your e-wallet of choice at your nearest pharmacy or KK Mart; at convenience and retail stores, GrabPay’s reach has plenty of room for improvement.

Should You Use It?

GrabPay scores major points with us because it is genuinely rewarding to use the platform. It has a huge advantage of having a tight integration of its services, allowing it to offer valuable vouchers and discounts.

In addition to the GrabRewards catalogue, GrabPay also offers discount codes and automatic rebates that you don’t even need points to claim, like rebates for bubble tea orders, movie tickets, or online shopping. There are also festive discount packs such as the recent
Pek Senang Raya
, which cost just RM2 but offered a variety of promo codes worth up to RM600. These promotions will hopefully help cushion the blow of the upcoming reduced earning rates as you don’t need to use your points to enjoy their benefits.

If all this talk of points and rebates have given you the impression that GrabPay is a complicated affair, don’t overthink it. It’s easy enough to use the app to top up and pay – and that’s really all you need to know to get started. In any case, now is the best time to use GrabPay and earn points before the
earning rates are revised on 1 October
.

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RM5000 Cash Via DuitNow, iPhone 14 Pro, & Plenty More Up For Grabs This Week

Updated: 18 May 2023

Did you know that you could take home exciting rewards by applying for a credit card via RinggitPlus? That’s right, the Unbox This Week credit card campaign is back and these prizes are just waiting for you.

For those who are new to this campaign, Unbox This Week is a weekly event where we present to you fantastic weekly flash deals from our featured bank partners. All you need to do is apply for selected credit cards from these banks of the week through RinggitPlus and you’ll take home some great prizes.

From 15 May to 22 May 2023, our featured bank partners are

none other than
Standard Chartered, HSBC, Citibank, RHB, Alliance Bank, and Public Bank
. So, if you’ve considered applying for a credit card with any of these banks, you know what to do to get more out of your application!

Standard Chartered Bank – Up To RM800 Touch ‘n Go eWallet Credit

Commuting in the city can get pretty expensive especially if you often find yourself passing through tolls. You could offset your Touch ‘n Go spending with this week’s reward – a guaranteed gift of up to RM800 TNG eWallet Credit when you sign up for a Standard Chartered Credit Card!

Sign up for a new Standard Chartered Credit Card, activate it, and spend to take home the reward. Successful applicants who have submitted their latest EPF Statement as their Income Document to the Bank’s Online Application form will get the RM800 reward while those who do not submit will still receive RM700 TNG eWallet Credit.

Just remember, you will need to activate your card within 30 days upon approval to be eligible for this gift. Lastly, be aware that existing cardholders and individuals who have held a Standard Chartered credit card in the past six months are not eligible for this campaign. If you qualify, then you can apply for your new Standard Chartered credit card
here
.

HSBC Bank – iPhone 14 Pro

Does the thought of owning Apple’s flagship phone excite you? If it does, you may want to consider applying for a new HSBC Credit Card because we’re giving away the iPhone 14 Pro to a number of lucky winners!

A speedier CPU, an always-on display, iOS 16, and additional security features including Crash Detection and Emergency SOS via Satellite await you with this grand reward. The cameras have also been improved to ensure your photos appear crisp each time!

For those who are not selected, you will still walk away with guaranteed 2nd Gen Apple AirPods.

Don’t forget to activate and spend a minimum of RM1,000 on your new card within 60 days upon gaining approval to be eligible for this gift. That said, do note that current cardholders and applicants who were denied within six months prior to this campaign, as well as those who have cancelled their HSBC credit cards within six months prior to this campaign are not eligible for our campaign. Otherwise, you can apply for your HSBC credit card
here
.

Citibank – RM800 TNG eWallet Credit

Get RM800 TNG eWallet Credit guaranteed to you when you sign up, activate, and spend with a new Citibank Credit Card!

Whether it’s to treat your loved ones to a meal, spend it on essentials, or save it up – it’s your choice.

Remember to activate and spend a minimum of eight retail transactions on your new card within 60 days upon gaining approval. Once the bank has confirmed your eligibility with us, you’ll receive instructions from us via email on how you can claim your gift.

Take note, though, that current cardmembers and individuals who have cancelled their Citibank credit cards within a year prior to this campaign do not qualify for this promotion. Otherwise, those who wish to apply for their new Citi credit cards can
head on over here to do so
.

RHB – RM5000 Cash Via DuitNow

What would you do with extra cash in hand? Not RM100, not RM200, not even RM500 but a whopping RM5000! You could be one of the lucky winners to take home RM5000 Cash via DuitNow when you apply, activate, and spend with a brand new RHB Credit Card.

With this gift, you would most likely be able to treat yourself with something nice. If not, you could always save or invest a portion of it!

Don’t worry if you don’t win this grand gift because you’ll still be getting a guaranteed gift of RM400 Touch ‘n Go eWallet Credit.

Once approved, you just have to activate and spend to meet the requirements of the campaign and be eligible to get the gift. Existing cardholders of any RHB Bank credit card and individuals who have held or cancelled an RHB Bank credit card in the past six months are not eligible for this campaign. Apply for an RHB Bank Credit Card
here
.

Alliance Bank – Xiaomi Mijia Water Dispenser C1 or Xiaomi 70mai 1S Dash Cam 1080p

Apply for a new Alliance Bank Credit Card this week and get the Xiaomi Mijia Water Dispenser C1 or Xiaomi 70mai Smart Dash Cam 1S!

The Xiaomi Mijia Water Dispenser C1 is guaranteed to be yours when you apply for an Alliance Credit Card with Balance Transfer, allowing you to enjoy three levels of water temperature control and hot drinks in only three seconds with quick heating.

When you apply for an Alliance Credit Card, you will get the Xiaomi 70mai Smart Dash Cam 1S, which records in a broad 130° angle to provide you greater coverage, as well as automatic emergency recording, voice control, and more.

Upon approval, you just have to activate and spend to meet the requirements of the campaign and be eligible to get the gift. Existing cardholders of any Alliance Bank credit card and individuals who have held or cancelled an Alliance Bank credit card in the past six months are not eligible for this campaign. Apply for an Alliance Bank Credit Card
here
.

Public Bank – Xiaomi 70mai 1S Dash Cam 1080p

When you’re driving about, a dash cam may considerably increase your level of protection. This week, when you apply for a Public Bank credit card, you’re guaranteed to take home the Xiaomi 70mai 1S dash cam.

In addition to being simple to install, it also automatically records and stores video in emergency situations.

All you need to do is complete your application via the RinggitPlus website, get approved by Public Bank, and make an accumulative spend of RM250 within sixty (60) days of approval to be guaranteed this gift. Apply for your Public Bank credit card
here
.

***

Finally, be sure to start your application with our WhatsApp chatbot so that your eligibility is guaranteed, and we can always be at hand to help you when you need us.

While this week’s flash deal ends on 22 May 2023 (11am), do follow us on our
Facebook page
 to receive the latest Unbox This Week offers as we refresh the deals every week.

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Lisa Ameera Azman

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Prasarana Launches RM15 Keluarga Malaysia Pass For Groups Of Four To Travel All Day

(Image: Malay Mail/Yusof Mat Isa)

Prasarana Malaysia Bhd has launched the Keluarga Malaysia Travel Pass in a bid to encourage Malaysians to use the public transport more often when travelling for leisure in the Klang Valley.

The pass – which will be made available on 1 December 2021 – is priced at RM15, and will allow four individuals travelling in a group to get unlimited rides for a full day on Prasarana-owned bus and train services during weekends and public holidays. These include rides on the LRT, MRT, monorail, as well as the BRT-Sunway line.

During the launch of the pass, Prime Minister Datuk Seri Ismail Sabri Yaakob highlighted the savings that the pass could bring to the public. “This means that each person in the group of four will only have to pay RM3.75 to use rail and bus services operated by Rapid KL all day long,” he said, adding that the initiative is aimed at encouraging families to spend quality time with their loved ones by visiting malls or other local tourist attractions.

Meanwhile, the chairman of Prasarana, Tan Sri Jamaludin Ibrahim said that the pass also seeks to help lift Malaysia’s economy. “It is also our hope that the Travel Pass would encourage domestic tourists to use the public transportation available to explore all the interesting places in the Klang Valley, and help small traders’ economy around the city get back on their feet at the same time,” he stated.

Alongside the Keluarga Malaysia Travel Pass, Prasarana also launched the Small and Medium Enterprise (SME) Transit Package, which will allow selected SME owners to set up stalls at eight LRT stations along the Kelana Jaya LRT line. Further details on this package will be announced soon by Prasarana’s subsidiary, Prasarana Integrated Development Sdn Bhd (PRIDE) – with the actual operation set to begin in March 2022.

(Sources:
The Edge Markets
,
Malay Mail
)

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Tan Sri Jamaludin Ibrahim

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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BNM To Reveal Successful Applicants Of Digital Banking Licences In March 2022

(Image: The Edge Markets)

The governor of Bank Negara Malaysia, Tan Sri Nor Shamsiah Mohd Yunus has said that the central bank hopes to announce the successful applicants of its five digital banking licences by next month.

“We are in the ‘advanced stage’ of assessing the applications for digital banks, and we target to announce the digital banks with the publication of our annual report at the end of March,” said Tan Sri Nor Shamsiah during a briefing today.

The governor further said that BNM had received a total of
29 applications
, and that it has to thoroughly evaluate each and every single application as only five licences are on offer. BNM had
opened up application for the licences back
 in January 2021, and some major names that have made their bid include
Sunway
,
Grab
,
Axiata-RHB Bank
,
BigPay
, as well as the state government of
Johor
 and
Sarawak
.

(Image: The Sun Daily)

Tan Sri Nor Shamsiah also emphasised that BNM is looking for applicants who can offer relevant products and services to the unserved and underserved segments. With this, it is hoped that more people and entrepreneurs can have improved access to better assets or opportunities to grow their businesses.

“We also expect the entry of these digital banks to accelerate the digitalisation of our incumbent banks. This will be good not just for the industry, but also for all of us here as customers of the incumbent banks,” Tan Sri Nor Shamsiah said.

(Source:
The Edge Markets
)

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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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EPF Launches World’s First Shariah Private Equity Fund

(Image: The Edge Markets)

The Employees Provident Fund (EPF) has unveiled the first and largest shariah private equity fund in the world, with a total allocation of US$600 million (approximately RM2.43 billion).

Designed in the form of direct and co-investment separately managed accounts (SMA), the new fund will be supervised by three private equity fund managers, namely BlackRock, HarbourVest Partners LLC, and Partners Group AG. Briefly, SMAs are portfolios of assets that are managed by professional asset management firms, with the ability to customise the strategies employed for each individual asset account. It differs from pooled funds, such as mutual funds, where investments are shared by a group of investors – thereby removing the benefit of customised portfolio management.

(Image: Astro Awani)

According to a statement by the EPF, the provident fund has earmarked US$200 million for each of the three SMAs supervised by the managers. The SMAs will be managed via a global mandate that focuses on direct and co-investment strategies into growth and buyout transactions.

Aside from that, these SMAs are also structured based on either a wakalah structure, or a combination of wakalah and murabahah structures. They will be subjected to shariah investment guidelines, with Amanie Advisors Ltd (Dubai) and ZICO Shariah Advisory Services serving as advisors to ensure that all investments are shariah-complaint.

The EPF further clarified that the investment period for these SMAs will stretch between 2021 to 2025. Meanwhile, the fund term is slated to last between 2021 to 2031, subject to further extensions with the EPF’s consent.

“We are proud to be the first institutional investor to establish a shariah-compliant private equity direct and co-investment fund, and this is the largest of its kind globally, with a global investment mandate. The EPF has been working on this initiative since 2018 as we seek to diversify our investment portfolio to ensure we can provide sustainable returns to our members,” said the outgoing chief executive officer of the EPF, Tunku Alizakri Alias.

For context, the private equity arm of the EPF has a global fund exposure that amounts to 106 active investments with a total commitment of US$12.05 billion. These include funds with strategies covering growth, buyout, as well as middle- and large market capitalisation. Meanwhile, the top three regions in which the EPF has invested under private equity mandates – as of the second quarter of 2020 – are North America (42%), Europe (21%), and Greater China (12%).

(Sources:
EPF
,
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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Have a thrill of a grill at Tokyo Teppan with Citibank

Half the fun of an awesome teppanyaki meal is watching your chef skilfully slice, dice and cook up all the ingredients, before serving them on a plate for your enjoyment.

Well, that’s exactly what you can expect at Tokyo Teppan in Pavilion KL. Spend RM50 or more on your Citibank credit card, however, and you’ll get
20% off the a la carte menu
 too!

Just be sure to do so before 31 December as that’s when this promotion ends.

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LHDN Introduces New One-Stop Information And Service Portal, MyTax

The Inland Revenue Board (LHDN) has introduced a new one-stop information gateway and service platform for taxpayers in Malaysia, dubbed MyTax.

Accessible through the website and its own mobile app, the new portal is intended to provide the public with convenient access to various tax-related information and interactive data from one place and with a single sign-on. These include details such as ledger transactions, loan repayment statuses, and monthly tax deductions. MyTax users will also have their own mailbox and ID access to various LHDN services. Some of the services that you can tap into from this portal include byrHASIL, e-Filing, e-Daftar, e-Lejar, and e-Kemaskini.

The director of the tax operation department of LHDN, Datuk Adenan Che Semail emphasised that MyTax aims to provide safe and user-friendly access to services and products under LHDN. “MyTax will also make it easier for taxpayers to access their latest information without having to come to the IRB office, especially amidst the Covid-19 pandemic,” he said, adding that the security of taxpayers’ information will be prioritised on the portal.

Meanwhile, LHDN highlighted that MyTax can help with minimising the country’s revenue leakage while simultaneously boosting revenue collection. MyTax was launched alongside several other new tax products, including the LHDB Corporate Plan Book 2021-2025, which charts the agency’s strategy for the next five years.

To find out more about the new portal, you can head on over to LHDN’s
MyTax website
 here. Alternatively, you can also download MyTax from
Google Play
, the
App Store
, and the
Huawei AppGallery
.

(Source:
Bernama
)

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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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The Next Generation, All-New BMW M Series Is Here. Get Ready To Join The Family Today.

You have heard the news. You have read the reviews.

And now, they’re here. The highly anticipated, next generation, all-new BMW M Series that are geared to take you on maximum driving exhilaration.

Three months after its world premiere, BMW M enthusiasts in Malaysia will now be able to pre-book the all-new BMW M3 Competition Sedan and BMW M4 Competition
Coupé
, both descended from the iconic BMW M family famed for its exceptional street and track performance. And the best part?
You can pre-book your BMW M series online via the BMW Shop with an early bird price
, giving you the
fast-track highway experience
 not just in the drive, but also in owning the high performance cars.

35 years since the launch of the very first BMW M, the 6th generation all-new BMW M3 Competition Sedan and the 2nd generation all-new BMW M4 Competition
Coupé
 will mark the beginning of a new legacy for the BMW M family lineage with its state-of-the-art engine, transmission, and auto-technology —  in a whole-new design. One you don’t want to miss out on.

BMW M’s Signature Sporting Thrills – Refined.

Same adrenaline inducing speed, similar superior performance control – the all-new BMW M3 and the all-new BMW M4 retain the supreme qualities known of its predecessors. But the difference is what lies in its all-new composition.

Hidden under the hood of both BMW M3 and BMW M4 is the powerhouse; a
high-performance BMW M TwinPower Turbo inline 6-cylinder petrol engine
 that delivers up to 510hp, allowing the BMW M3 and BMW M4 the athletic capability of accelerating
 from 0 to 100 km/h in just 3.9 seconds.

Paired with the
fast 8-speed M Steptronic transmission with Drivelogic
, the BMW M3 and BMW M4 offer a truly dynamic driving experience with no compromise on comfort. Shift gears in super smooth transmission – either using the gear lever or the gearshift paddles, and whenever you feel like it, just leave it to Drivelogic’s three automatic driving programmes you can customise.

The next highly anticipated feature,
M xDrive with Active M Differential*
(AMD) technology allows you to experience the all-wheel driving agility in three drive variants – 4WD, 4WD Sport and 2WD. Perfect for the cruise downtown and for when you crave the racetrack action.

*available in summer 2021 (mid-year)

You Have Seen Them Online – But Let’s Admire Those Stunning Looks Once Again

Perhaps, there is no need for explanation as true BMW M Series enthusiasts would be well acquainted with the all-new BMW M3 and BMW M4 silhouette. But their fiercely stunning new looks are worth the continuous admiration.

Its signature M Performance front kidney grille in high-gloss black gives a distinct identity that belongs only to the M family. Made of 100% carbon fibre, both BMW M3 and BMW M4 exude sophisticated presence, surely to turn heads on the streets and even on the racetrack.

Bold and athletic, the BMW M3 Competition Sedan appears elegant in a powerful bodystyle. Its carbon roof with fins accentuates its body dynamic while the continuous black sills give prominence to its exterior design.

Sophistication in every angle – the BMW M4 Competition Coupé displays a fusion of expressions from technical design interpretation to powerful dynamics.

The all-new BMW M3 Competition Sedan and all-new BMW M4 Competition
Coupé are available in seven colours. Choose yours from Sao Paulo Yellow, Isle of Man Green, Alpine White, Brooklyn Grey Metallic, Toronto Red, Portimao Blue, and Black Sapphire.

Join The M Family, Reserve Your Seat Online

Pre-booking is now open for both the all-new BMW M3 and the all-new BMW M4. And for the first time ever, you can now make your booking online via the exclusive
BMW Shop
 in three simple steps.

Limited-Time, RM5,000 Booking Fee When You Pre-Book Online

Be among the firsts to rev the road with the all-new BMW M3 and the all-new BMW M4 come the brand-new year 2021 when you book today. The BMW Innovation Package is also available – if you would like to have a taste of what BMW’s Premium Ownership Experience feels like. And that’s not all, to further enhance your personal exclusivity, you are entitled to a
limited-time offer of RM5,000 booking fee
 when you book online now until 31 December 2020.

The BMW M3 Competition Sedan with Innovation Package

The BMW M4 Competition Coupé with Innovation Package

The all-new BMW M3 Competition Sedan is estimated to be priced at RM664,800 or RM722,800 with Innovation Package, on the road, without insurance. Meanwhile, the all-new BMW M4 Competition
Coupé
 is estimated to be priced at RM684,800 or RM740,800 with Innovation Package, on the road, without insurance.

New to the M Family? Don’t Be Shy.

BMW welcomes you with a
special first-owner advantage of up to RM17,000 and RM20,000 off
 when you pre-book the all-new BMW M3 Competition Sedan and the all-new BMW M4 Competition
Coupé
 with the Innovation Package, respectively.

So, what will it be —
the all-new BMW M3 Competition Sedan
 or
the all-new BMW M4 Competition Coupé?

Whichever that catches your desire, you better hurry. You know you want to be in the family.

Offer ends 31 December 2020. Visit
BMW Shop
 now.

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BNM: 29 Applications Received For Digital Banking Licences

(Image: New Straits Times)

Bank Negara Malaysia (BNM) revealed that it has received a total of 29 applications for its proposed digital banking licence during the six-month application period, which ended on 30 June 2021. The licences are to be issued under the Financial Services Act 2013 and the Islamic Financial Services Act 2013.

“A diverse range of parties have submitted applications for the digital bank licence, ranging from banks, industry conglomerates, technology firms, e-commerce operators, fintech players, cooperatives, and state governments,” said the central bank in a statement, adding that it may issue up to five licences.

BNM further said that successful applicants will be notified in the first quarter of 2022, and that they will be expected to contribute towards greater financial inclusion once awarded the licences. This will be done through the offering of products and services that will address market gaps in the underserved and unserved segments. “This includes promoting suitable and affordable financial solutions by leveraging innovative application of technology,” explained BNM.

The central bank had
opened up applications for its digital banking licences
 in January this year, and by February, as many as
40 parties had registered an interest
 in applying for a digital banking licence. Since then, notable contenders that have gone on to make an actual application include
Axiata-RHB Bank
,
Pertama Digital
,
Sunway
,
Grab
 and
BigPay
. The state government of
Johor
 and
Sarawak
, too, have done so.

(Sources:
BNM
,
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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Score Free Eats for Your Kids at These Top Restaurants

The pleasure we get from eating can be spoiled by either a hefty bill, or a screaming child giving you a headache. Eating out is no doubt expensive and when you have a family with kids the bill can grow many times larger, despite feeding such smaller mouths. Solve two unending eatery problems with one fell swoop. Treat your family at one of these restaurants where your children can eat for free!

Of course, you may be skeptica! There’s no such thing as a free lunch. Or is there? We did the legwork for you. Do keep the terms and conditions in mind for a fuss-free dining experience!

Bubba Gump

Conditions: Child below 12 years of age and 120cm in height.

Your family enjoy a scrumptious meal of fried seafood from your good ol’ fish and chips, fried shrimps to the juiciest lamb racks,
Bubba Gump
 is where you want to be. It is the place to lunch whether or not you were a Forrest Gump fan. But even more than a boatload o’ shrimp; your kid eats free here too. When you choose a main course, your child gets a free kid’s meal. This is available at anytime of the day should you decide an impromptu dinner or casual lunch with your family. Please bear in mind that each child must be under 12 years old, below the height of 120 cm.

Chili’s Grill and Bar Restaurant

Conditions: Child below 12 years of age.

You might wonder why a restaurant with ‘Bar’ in the title will be so welcoming to children under 12 but
Chili’s
 has for many years been known to serve good food for all the family. Famous for serving one of the best grills and deserts, you’ll be pleased to share the treat with your child. When you order a main entree, your child enjoy a free meal promo. With up 12 selections to choose from kid’s menu, your child will be spoilt for choice. Each complimentary kid’s meal is worth RM8.95. This is available everyday.

Italiannies

Conditions: Children below 12 years of age.

Enjoy dining the Italian way with your family at
Italiannies
. Warm and friendly services, you will have a great dining experience accompanied with a wide range of pasta, pizza and in-house specialties options to choose from. You can order a few main courses for sharing so everyone gets to try abit of everything. For more added value, your little one gets a free child main course too with a minimum purchase of one adult main course. The free kids menu isn’t too shabby either. This is available at anytime of the day.

TGI Fridays

Conditions: Children below 12 years of age.

TGIF
 doesn’t have to be confined to Fridays as you can have a fantastic meal with the kiddos (and they’ll eat for free!) any day of the week. Known for their mouth-watering burgers and Cajun chicken dishes; Friday’s is the place to enjoy good old fashioned American favourites. If the good food was not enough to entice you to visit – the free kid’s meal (when you order a main meal) should cinch the deal. This promotion is available daily.

Delicious

Conditions: Children below 12 years of age; Only available on weekends.

Living in a multi-cultural country gives us the privilege to enjoy a wide range of food choices. Well,
Delicious
 covers it all from your local nasi kerabu ayam percik to club sandwiches to duck confit spaghetti. This price friendly family restaurant has delicious offers in-store for you. When you order one pasta or a delimains, your child can choose a kid’s meals for free. Great treat if you want to bring them out to the town for a bite to eat. Craving for deserts after meal, there are wide range of decadent cakes and sweets available. This promotion is only available on the weekends.

Tony Roma’s

Conditions: Children below 12 years of age; limited to 2 children per family; except public and school holidays; Monday to Wednesday.

Famous for their signature BBQ ribs served with sauces in happy face shape; onion loaf and chicken and seafood entree,
Tony Roma’s
 is well-known to food lovers across the world. So, if you are craving for succulent ribs and lamb racks, look no further. From Monday to Wednesday, satisfy your hunger by ordering a mouth-wathering entree while waiting for your main course. Up to two kids will receive a complimentary free kid’s meal when you order 2 entrees. This is only available on Monday to Wednesday.

Sakae Sushi

Conditions: For kids under 12 years of age.

Looking for a light and a healthier option? Go Japanese at
Sakae Sushi
. Known for its Kaiten-sushi concept (rotation sushi), food lovers get to enjoy wide selection of sushi and ramen freshly made daily at an affordable price range. To top it off, your child gets to eat for free if you spend at a minimum amount of RM30. That will cost you less than RM50 for two persons for a good meal. Only available on Sunday.

Seoul Garden

Conditions: With every paying adult;child height between 0.9m – 1.3m.Preferred members only every Sunday.

Fancy a bit of Korean fare after getting your fix of K-pop? How about trying a Korean BBQ? The usual BBQ restaurants widely available these days will cost you at least RM100 for 3 people. Alternatively,
Seoul Garden
 offers an all-you-can-eat buffet at only RM40.88++. Stuff your face (and that of your child) with up to 130 varieties of food made just for the BBQ and steamboat. Anyone up for some saucy Bulgogi and hot Kimchi soup?

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Denise Chan

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Is There Only One Way to Get Rich?

Have you ever wondered what would be the best way for you to climb your way up into financial freedom?

There are so many options when it comes to generating income, but still few people have made it to the millionaire ranks. Is there really a tried and true; one secret way only to make it big? Is it perhaps about finding the right job, diversifying your business or earning passive income?

Before we sound like an MLM scheme informational sheet (and because we’re not an investment advice site), let’s take a look at some of the most successful people and how they did it.

Mark Zuckerberg

He is an example of how a person specialised, stuck to just one product/service and eventually flourished. According to
bio.com
, Mark Zuckerberg was an avid creator and programmer. He claimed when he was younger, he had friends who would draw up pictures, which he would later make into computer games.

He had a passion for computers and programming from his teenage years. He stuck with this one love throughout the years and in university, invented Facebook.

One of the youngest billionaires in the world, he proved that to be successful you do not necessarily have to be original. He contoured the idea while working with fellow Harvard students to create a friendship website called the Harvard Connection. Facebook actually mimicked a lot of features from Friendster and MySpace, which were also popular at that time. Facebook has since surpassed them and sustained itself while its competitors have slowly fallen off the grid.

Robert Iger

Making substantial amounts of money have always been related to business owners, not employees but here is one of the examples that would prove otherwise. The CEO of Walt Disney, Robert Iger made $USD 46.5 million (RM193 million) in 2014 according to
The Wall Street Journal
.

Robert Iger
 begun his career 42 years ago, in 1974 with ABC network where over the years has overseen numerous responsibilities and senior management positions. He joined the Disney senior management team in 1996 and was given the opportunity to lead the company as CEO in 1999.

This does not put Mr Robert Iger in the billionaire groups with overwhelming bank accounts, but a RM193 million a year pay cheque would definitely still be considered an extremely sound financial position.

Warren Buffett

Warrent Buffet
 has created a reputation for being an investment guru over his life long career. According to
Forbes
 list of billionaires, he is ranked third in the list with a whopping $USD 59.4 billion (RM246 billion) net worth.

His success formula was to diversify his income and invest in different areas rather than specialise and focus in one industry.

He started out his career at the young age of 11, when he made his first purchase of three shares. He had his father’s stock brokerage company which ignited his passion and ultimately drove him towards success.

He was 14, when he filed a tax return for his business detailing cars, selling newspapers, golf balls and stamps. He used his bicycle and watch as tax deductions as it was used as his fixed expenses in his business.

He grew his talents and skills for investing and business procurement over the years and has created a largely diversified portfolio. In 1970, he took assumed the role of CEO and Chairman of the US Conglomerate Berkshire Hathaway Incorporated. Among the companies that he owns are, Dairy Queen, Fruit of the Loom, Helzberg Diamonds, Geico, NetJets. Berkshire Hathaway Incorporated also owns half of Heinz and a significant share in American Express, IBM, M&T Bank and Proctor Gamble.

The Verdict

It is hard to make a claim that the road to success falls on either side of the spectrum. These are examples of people from different types of industries, some chose to specialise and others preferred to diversify.

It does not matter if you were to specialise or diversify, nor does it matter if you were a business owner or an employee. What these people had in common was their perseverance, determination as well as a large base of technical know-how within their respective industries.

Knowing your craft, or gathering experience takes time. The problem is that most people expect overnight success. If you analyse the careers of these people, none of their success happened overnight. It took dedication and hard work. Success happened quicker than others for some but I can assure you none of them had an easy pathway paved for them.

Image sources: Image 2 from
abcnews
; Image 3 from
KTLA
; Image 4 from
The Fifth Person

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TAGS:

Celebrities

Facebook

Financial Behaviour

Mark Zuckerberg

Personal Finance

Robert Iger

Walt Disney

Warren Buffett

About THE AUTHOR

Gavin Pereira

Gavin Pereira

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