Setel E-Wallet Review: A New Solution For Fuelling Up At Petronas

First introduced at the end of last year,
Setel
 is an e-wallet that allows you to pay for your petrol transactions at participating Petronas stations. However, Setel doesn’t function just as a method of payment; it’s an app that allows you to select your petrol, the amount of fuel you need, and pay for it, all from inside your car.

Setel E-Wallet Benefits

Available on both
Android
 and
iOS
, Setel’s main benefits lie in the convenience and safety it adds to the petrol-pumping process. At the petrol station, you don’t need to get down to use the card machine at the pump or walk over to the counter to make payment. With Setel, your whole transaction can be done in three steps in the comfort and safety of your air-conditioned car:

Key in the pump number where your car is

Choose to pump a full tank or a specific amount

Enter your 6-digit security PIN to activate the pump

All that is left for you to do is fill up your tank and you’re done! Topping up funds in your Setel e-wallet is also easy; you can top up with as little as RM1 using your credit/debit card or via online banking, with an option to enable an auto to-up function as well.

And yes, we confirmed that Setel e-wallet reloads are classified as petrol transactions. That said, we cannot confirm if
Maybank’s blanket ban on e-wallet reloads
 extend to Setel as well.

What We Like

Besides the ease of using the app, a big plus point is that Setel payments are not subject to the
pre-authorisation charge
 imposed on credit/debit card use. Using Setel is a good way to avoid having a few hundred Ringgit held from your account balance for 48 hours.

Moreover, you can even collect Mesra points and keep track of your points history through your Setel app. Once you’ve linked your Mesra card to the app, it automatically collects rewards points for you when you pump so that you don’t even need to bring your physical Mesra card.

It’s also easy to find your way to the nearest Setel-enabled Petronas station as the app has a list and map view of the nearest stations around you, complete with search filters. The filters are actually useful to pinpoint which station has specific facilities (surau, ATM, baby change, etc), fuel type, and food and beverage options. Once you’ve selected which petrol station to go to, you can then navigate there through Maps, Google Maps, or Waze with just a tap.

What We Don’t Like

Right now, Setel can be used at all 273 Petronas stations in the Klang Valley, but is not yet supported at stations outside this area and in other states. However, this will soon be a non-issue as there are plans for all Petronas stations in Malaysia to be able to support the use of Setel by the end of the year.

And obviously, you’ll need to switch to Petronas if you want to use the Setel, since it is wholly owned by Petronas Dagangan Berhad. It is extremely unlikely that Setel will be available to use at other fuel brands in Malaysia.

Despite its impressive growth, Setel has not relied on the habit of giving out promotional benefits or cash incentives to its users. The Setel team believes that the app’s seamless integration and ease of use in Petronas stations (within the Klang Valley, of course) is more than enough reason to continue using it. That being said, Setel does have an ongoing referral programme and a seasonal cashback promotion where you can earn some money for your Setel e-wallet.

Should You Use It?

Given that Setel offers a convenient and safe refuelling process, it definitely feels like more than just another e-wallet to make payments with. For Malaysians who hate the heat and long queues or have young children in tow, the ability to…settle almost everything while inside their car is quite attractive. Setel also gives assurances that the app is safe for use while inside the car or outside the yellow box next to each fuel pump.

Furthermore, Setel app is a good solution for those who want to keep track of their petrol spending as it shows you all your petrol transactions in one place. Transaction receipts can be viewed in-app and automatically sent to your verified email address – which is more eco-friendly than keeping physical receipts.

So, if you’re already a Petronas user, there’s no reason not to give Setel a try.

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One Home, One Internet For Only RM109.99

Not all families enjoy themselves and bond the same way as others. While some may prefer bonding over outdoor hikes and worldly adventures, others like sharing quiet moments and simple dinners at home. An activity that many of us have grown accustomed to is watching tv together. Whether it’s the latest action-packed blockbuster film, walking down memory lane with a cult classic, or even just nursery rhymes for the youngest in the family, home entertainment plays a big role in some households.

If having a variety of TV channels while also maintaining a speedy connection is important to your family, read on to find out about Astro Pek Jimat Internet RM109.

Astro Pek Jimat Internet RM109

Introducing Pek Jimat Internet RM109, a 2-in-1 bundle that includes 30mbps fibre internet and an Astro TV service for only RM109.99/month!

Get access to 85 TV channels for the whole family to enjoy while also staying connected to the Internet at all hours of the day. The offer is centred on Astro Primary Pack plan, which offers base channels as well as complimentary access to Astro Go.

Free Goodies With Every Subscription

Those who plan to subscribe to this package will receive a FREE Astro Ulti Box, which is an internet-connected set-top box that supports 1080p Full HD. On top of that, installation of all devices and services, including the modem and router are also FREE.

Convenience Of A 2-In-1 Bundle

Besides its affordable price point, Astro Pek Jimat Internet RM109 also offers one more added benefit to its users – the convenience of having Astro channels and Fibre Internet in a single bill. This makes making the payment all the easier with one less bill to think about. Not just that, this package ensures that users save RM39 each month on broadband!

***

If you’re not an existing Astro customer, don’t fret as the offer is available to both new and existing customers. Get together with your loved ones over regular movie dates at home with Astro Pek Jimat Internet RM109. Whether it’s streaming through Astro Go using the Fibre Internet or watching it on any of the 90 Astro Channels, bonding with your friends and family just got a whole lot easier.

Be sure to subscribe soon if you plan to equip your home with Astro Pakej Jimat 109 as the offer ends 31 March 2022!

Visit the website
 to find out more about Astro Pek Jimat Internet RM109 and enjoy this music video titled “
One Home, One Internet
”.

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Finance Minister: EPF Dividend Could Have Been 6.7% For Conventional Savings

(Image: Bernama)

Finance Minister Datuk Seri Tengku Zafrul Abdul Aziz has commented that the Employees Provident Fund (EPF) dividend for 2021 could have hit 6.7% for conventional savings, if the government had not made allowance for Covid-19-related withdrawals over the past two years.

“Actually, I never said this previously, that without the withdrawals, dividend rates for EPF conventional savings for 2021 supposedly could touch 6.7% compared to the
6.1% which was announced recently.
 The loss of the RM5.4 billion (dividend) has resulted in 5.3 million EPF members who previously did not make any withdrawals via any withdrawal schemes, have to receive low dividend rates,” said the minister at a parliament session today.

(Image: Malay Mail/Hari Anggara)

Tengku Zafrul was referring to the three EPF withdrawal facilities – namely
i-Lestari
,
i-Sinar
, and
i-Citra
 – that were previously rolled out to offer financial relief to Malaysians who were struggling from the pandemic and subsequent movement control orders (MCOs). Consequently, a total of RM101 billion in savings was withdrawn, causing fresh concerns of old-age poverty as
6.1 million members now have less than RM10,000 in their EPF accounts
 for retirement.

Tengku Zafrul’s comments came following renewed calls from some parties that urged the government to allow “one last EPF withdrawal”. These include the Federation of Malaysian Consumers Associations (FOMCA) – whose president Marimuthu Nadason said that
those struggling may go to loan sharks or unlicensed and illegal moneylenders if not offered a financial lifeboat
 – as well as a few
other Parliament members
.

Tengku Zafrul also explained that if another one-off withdrawal of RM10,000 is allowed, it is expected 6.3 million eligible members will do so – which will then result in another outflow of more than RM63 billion. “If the additional withdrawals were allowed, the EPF will have to carry out portfolio rebalancing, and the impact may be more than the withdrawal value of RM63 billion,” he further said.

In fact, the EPF may even need to sell more overseas investment assets to cover the withdrawal value, especially with the ongoing Russia-Ukraine crisis. On top of that, the move would have a continuous negative impact on the local stock and bond markets, and borrowing costs for the government in the future may also increase significantly, said Tengku Zafrul.

(Sources:
Malay Mail
,
The Edge Markets
)

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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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Intel® Evo™ Offers Variety, Mobility, and Fast-Charging

When buying a laptop, we usually look for one that is suitable for carrying out our daily tasks. For example, if a graphic designer is in the market for a new laptop, perhaps what they need is a device that can effortlessly render graphics in a short amount of time. For others, having features like biometric login and a variety of built-in connectivity ports is what matters.

Launched in 2020, Intel® Evo™ is a platform built to accommodate today’s demands, regardless of what that may look like – business productivity, enhanced learning, and groundbreaking creativity, among others. As a platform, Intel® Evo™ comes in a variety of impressive devices.

There are clearly many benefits of owning an Intel® Evo™ powered device. They’re lightweight, which makes it easy for users to work from anywhere. The long battery life means it doesn’t need to be connected to the charger for most of the day. In fact, they’re even equipped with fast charging. On top of that, users don’t need to wait for the laptop to load for a long time after it sleeps because the devices are required to instantly wake in under a second.

With so many options available in the market, you’re bound to find one that suits your aesthetic as well as your budget, regardless of which stage of life you’re currently in.

Interested in getting an Intel® Evo™ device of your own?
Click here to shop online
 or head to either one these stores:

NBP Website:
Intel-EVO-Privilege-Offers – NB Plaza

NBP Lazada:
NBP STORE | MY

GLOO Website:
Intel-EVO-Privilege-Offers

GLOO Lazada:
GLOO STORE | MY

GLOO Shopee:
Gloo Store, Online Shop | Shopee Malaysia

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Disney+ Hotstar Is Coming To Malaysia On 1 June, Priced At RM54.90 For 3 Months

The Walt Disney Company’s highly anticipated streaming service, Disney+, or Disney+ Hotstar as it as known in our regional market, is officially coming to Malaysia. Disney+ Hotstar will begin streaming on 1 June 2021 and Malaysians can subscribe to the service at a price of RM54.90 for three months (RM18.30/month).

Subscribers will be able to stream Disney+ Hotstar on a “wide selection of compatible mobile and connected TV devices”, including streaming media players. Each registered Disney+ Hotstar account will be able to support two concurrent streams, and the majority of content will be available for download on mobile and tablet. The streaming service added that all content is commercial-free and that there is a dedicated kids section with age-appropriate content and a kid-friendly interface.

Besides the direct subscription method, viewers can also access Disney+ Hotstar through special packages with Astro. Astro Movies Pack customers will be able to stream Disney+ Hotstar for an additional RM5 per month while non-Movies Pack customers can look into other attractive value bundles. Henry Tan, Group CEO of Astro shared, “Disney+ Hotstar will be available to our customers from 1 June and we are working towards making Disney+ Hotstar available via our Ultra and Ulti connected boxes later this year.”

Disney+ Hotstar viewers can look forward to over 800 films and 18,000 episodes of popular series from Disney, Disney+ Originals, Marvel, Pixar, Star Wars, National Geographic, and more. Besides that, Disney+ Hotstar will also be home to popular local films and Malaysian drama series.

“In addition to being able to bring amazing content from Disney’s incredible brands from all around the world, it has been such a privilege to collaborate with homegrown studios and creators to bring Malaysian stories to Disney+ Hotstar and drive the growth of our creative community,” said Ahmad Izham Omar, Executive Director of Content & Creative, Disney+ Hotstar, Southeast Asia.

Once Disney+ Hotstar is officially launched on 1 June, you can subscribe to the streaming platform directly from the Disney+ Hotstar website or download the Disney+ Hotstar app on Android and iOS devices – or find the service on Astro from the same date. For more information, head on over to the
Disney+ Hotstar
 website.

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2018 School Holidays in Malaysia - Planning Ahead

The 2018 school holidays in Malaysia are broken down into four terms. Depending on if you have children or not, the dates of the 2018 school holidays will play out differently for you. Each quarter of the year presents opportunities you can take advantage of, once you familiarise yourself with the Malaysian school holidays of 2018.

If you do not have kids and are looking to travel, look out for dates that to do not overlap with any school holidays. However, if you are looking to take advantage of the school holiday periods, make your purchases as early as possible, before the demand kicks in. Most operators need to fill out their bottom line first. The prices would generally be cheaper further out than closer in. Even then, there is the factor of flight time and day of week to consider in order to get better fares.

Chinese New Year – 15 February to 19 February

This period of school holidays would have been great to take advantage of, but unfortunately, these dates have passed. So let’s move on to the 2nd period of school holidays.

Term 1 – 17 March to 25 March

Middle of March till the 25th would be a good time to travel before the year gets hectic and more expensive. While a lot of people aren’t traditionally used to the idea of travelling early in the year, this change in strategy could be significantly cheaper and puts you and your kids in a nice mental frame for the year.

Take note that the following school holidays in June, will overlap with Hari Raya and would cost a lot more in terms of accommodation and travel, particularly in the domestic market. Planning ahead and knowing that the next term is going to be costly, take advantage of the knowledge and travel during March instead. If you are among the many who celebrate Hari Raya, use the first term holiday wisely as the mid year holiday would be spent with your family, instead of going elsewhere.

Mid Year – 9 June to 24 June / Hari Raya – 15 June to 16 June

This school holiday presents better opportunities for international travel as compared to local. For those who are celebrating Hari Raya, they are going to be travelling back home to their respective home towns. That softens the demand for international destinations and could make this a great opportunity for travel, depending on the destination.

Try avoiding countries that are celebrating Hari Raya as those destinations will be experiencing high passenger traffic heading back to their home country. That inflates the price of your flight ticket and accommodation. On top of that, many businesses would be closed during the period, giving you less than a satisfying experience overseas.

Term 2 – 18 August to 26 August

This quarter, before and after the second term holiday, is one of the best times to do the things you want to do. It is after the dreaded taxation period, and your finances would be on more stable ground.

If you are celebrating Deepavali or Christmas, then you should travel during this period or load more of your expenses earlier in the year. On the other hand, if your heavy expenses are behind you, this is the time to live your life. There is no point in saving every ringgit and sen you make, and do absolutely nothing with it. Your money should be spent investing to make more money or invested in yourself to expand your horizons and your family’s. You wouldn’t want your kids to look back and say you did absolutely nothing during the 2018 school holidays.

Year End – 24 November to 31 December

Despite being in the peak period of the year-end school holidays, there are still destinations for you to explore during this time of year. While peak season can make it difficult to pick out cheaper destinations, it is important not to waste money on destinations either. Do your research and do not waste your money by risking destinations that are experiencing monsoon season. There is nothing worse than travelling to a beach destination and spending your entire holiday in the hotel room.

Besides travelling, this is the season parents prepare their children for school. In order to save and get things at rock bottom prices, we have been conditioned to purchase flights, clothes, groceries and everything else, during a sale or as early as possible. However, if you are a parent, this is the one exception of the year when you would be thankful that you did not buy school uniforms earlier in the year. School uniforms are a seasonal product and an exception. Wait until the end of the year and let the stores compete with each other, while you hunt down the best bargains for your kid’s school uniform.

Financial Planning for the 2018 Holidays

Planning for the holidays is fun, but the most important thing is to have sufficient funds to do what you need to do. There is no point going on a trip when you do not have enough to experience the food or culture. It is even worse, if you shop for clothes during your yearly shopping spree, and not have enough to eat the following week. Credit cards will not be your answer at this point, it will only dig you deeper into debt.

To best plan out your finances for the year’s school holidays, apply for a separate
bank account
 which you can completely max-out. That way, you won’t be diving too deep into your savings by accident.

What is scarier than not having enough foreign funds while travelling overseas, is having an emergency. Just late last year, there was a case of how a family went to Korea for a holiday and their father had to go for an emergency surgery. They did not have travel insurance and it left them with a
medical bill of RM1.3 million
. Medical charges can be exorbitant while overseas. Thank goodness there were Malaysians who were kind enough to donate and help this family out. People tend to find insurance-related issues far-fetched as the excitement and positive energy of a trip makes it difficult to grasp the reality of a negative occurrence.

But these dangers are a reality, and it would be best to have yourself a travel policy in place whenever you travel. Take a quick peek at our
comparison tool
 and pick one out the next time to travel, so that you may have a wonderful and carefree trip during the Malaysian school holidays in 2018.

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Fave U-Turns; Will Continue To Accept American Express Cards As Payment Method

Fave has changed its mind on an earlier decision to stop accepting American Express credit cards as a payment method on both FavePay and Fave Deals.

According to an email sent to its users with a saved Amex card, Fave will continue supporting Amex as a payment method due to feedback from its users. Here’s the email in full:

Hi there

WE HAVE GOOD NEWS!

After receiving feedback from our beloved users (you), we decided to continue accepting AMEX payment! We are delighted that we can continue providing a preferred payment method to you.

To celebrate that, we would like to share this exclusive promotion for all AMEX users. Get 10% cashback* on amazing Fave deals with code “AMEX”.

Thank you for your continuous support and may March bring even more good news for you!

Warmest regards, Fave Team

Terms & Conditions:

Valid for transactions made with an AMEX card only

Valid for one time use per user, capped at RM10

Limited redemptions

Valid till 21 March 2020

Three weeks ago, Fave had originally announced that it will
cease to accept AMEX cards
 as a payment method starting from 3 March 2020. The move would have affected all Fave users, which include both Fave Deals and FavePay.

With the return of AMEX cards as a payment method, local AMEX cardholders can once again use their cards at merchants that do not accept AMEX cards by paying for their purchases with the card via FavePay and Fave Deals. This allows you to enjoy benefits at places that you otherwise would not.

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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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    KW

    3 years ago

not allow to add AMEX cc

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    Pang Tun Yau

    3 years ago

    Reply to

        KW

It looks likely that it’s a bug that should be fixed. Fave’s updated FAQ has listed Amex as a payment option again:

https://help.myfave.com/hc/en-us/articles/115002099188-What-are-the-payment-methods-for-Fave-

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Maybank Islamic Ikhwan American Express Gold Card-i To Be Discontinued On 31 March 2019

Maybank will discontinue the
Maybank Islamic Ikhwan American Express Gold Card-i
 credit card, effective 31 March 2019. It will no longer issue new cards to customers after this date, but current cardholders will be able to continue using the card until their expiry dates.

The Maybank Islamic Ikhwan American Express Gold Card-i credit card is an entry-level card that offered basic benefits. The card offered 2X TreatsPoints for every RM1 spent on retail transactions, with the exception of utilities, petrol, education, and insurance (1X TreatsPoint each). It is also a free-for-life credit card without any annual fees, and came with a complimentary Touch ‘n Go Zing card.

As an entry-level credit card, it had a low minimum salary requirement of RM30,000 annually (RM2,500 a month). And, as an Islamic credit card, the Maybank Islamic Ikhwan American Express Gold Card-i also offered non-compounding late payment charges if you don’t pay your outstanding bills on time.

As mentioned earlier, Maybank will not offer this card from 1 April 2019 onwards, but current cardholders will be able to continue using this card until the expiry dates indicated on their cards. Interestingly, the Platinum version of this card will not be discontinued, based on its
product page on Maybank
.

(Source:
Maybank
)

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CIMB’s QR Pay Cashback Campaign Offers 10% Cashback Until End January 2021

CIMB customers can now earn 10% cashback when they use the CIMB QR Pay function to pay at selected restaurants and eateries via a cashback campaign by the bank. The CIMB QR Pay Cashback campaign, which is already ongoing, will run until 31 January 2021.

Open to new and existing CIMB Clicks users who have activated their QR Pay, the function must be linked it to a CIMB debit, credit, or prepaid card. Restaurants and eateries that you can visit for this campaign include Chilli’s Grill & Bar, The Daily Grind, Expressolab, Dome, and Bijan Restaurant.

You’ll also be happy to hear that the campaign does not have a minimum spend requirement, which means that you’re free to spend any amount that you like and still earn 10% cashback. However, the cashback is capped at RM1 for each transaction; in other words, the campaign stops rewarding you once you’ve spent RM10.

Note as well that you can only earn a maximum of RM5 of cashback rewards each month. This amounts to a cumulative RM15 over the three-month campaign period. CIMB has allocated a total of RM350,000 for the whole campaign, and the cashback rewards will be disbursed on a first-come, first-served basis. You can expect to receive your cashback within 14 days of each eligible transaction.

To find out more about
CIMB’s QR Pay Cashback campaign
, head on over to the bank’s website. You can also check out the
full list of participating merchants
 here.

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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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3 Ways To Maximise Your airasia points Besides Buying Flights

Loyalty programmes are a great way to be rewarded for daily transacting habits. While many of us enjoy them for a number of reasons, ultimately, it gives us a sense of receiving extra value from what we spend on, as we are able to collect points and later redeem them for discounted or free products or services.

When it comes to airlines and travel, AirAsia often comes to mind. With the newly enhanced airasia Super App, users can now benefit from a whole host of services beyond flights—which means more avenues for members to earn airasia points from when they spend on a variety of lifestyle items, services, and features. Members can also use their airasia points to pay for their Super App transactions or redeem other rewards.

All this is made possible with their loyalty programme: airasia rewards. Initially launched as an airline loyalty programme, airasia rewards has since blossomed into a comprehensive lifestyle rewards platform that offers members a holistic, borderless (not limited to geolocation), and rewarding experience, with a wide range of partners across lifestyle, travel, services, and more. Whether you’re transacting on the airasia Super App or with airasia rewards partners, you’ll be able to earn and redeem points anywhere in the world, as long as there is an airasia presence there.

With airasia points redemption not being limited to just free flights, you’re able to maximise your points in various ways. If you’ve been wondering how to earn more airasia points and how to get the most value out of them before they expire, keep reading on.

1. Earn Rewards For Everything, Including Meals & Rides

As mentioned earlier, you don’t just get points from flights now. You can also earn rewards from planning hotel stays, purchasing travel packages, ordering food, exploring educational opportunities, booking e-hailing rides, getting parcels delivered, and shopping online.

In fact, you can collect airasia points from over 300 lifestyle, travel, beauty, and F&B partners! On airasia travelmall, you’ll find brands like Furla, JBL, BOSE, and The Inkey List, while airasia rewards shop partners include Watsons, Nike Malaysia, JD Sports, Resorts World Awana, Trip.com, Agoda, Sephora, Hermo, Santan, EatCakeToday, Amazin’ Graze and more. You may opt to have your purchases delivered straight to your doorstep as well.

So, whether you’re shopping directly from the partners’ website via airasia rewards shop, or purchasing the selection of goods available on airasia travelmall, you’re entitled to earnings that start from 1 airasia point for every RM1 spent. Plus, when you’re travelling overseas, you can earn up to 6x airasia points from your airasia Super App transactions as long as you spend with your BigPay card. And if you’re an airasia credit cardholder, that’s just one more way to enjoy accelerated points earning from your daily and airasia spend.

In addition to all the above, you can also earn airasia points via instant points conversion on airasia xchange. airasia xchange is the world’s first airline points exchange feature that allows members to seamlessly turn their bank or other loyalty points into airasia points. All you need to do is link your bank or other loyalty accounts to your airasia account, before you start instantly converting points with just a tap.

2. Utilise Points While Travelling

airasia points are as good as cash because you can quite literally use your points in place of cash to pay for various transactions on the Super App. This includes flight and hotel bookings, food delivery payments, travelmall purchases, and more. With airasia rewards, the more points you spend, the more savings you earn. Your airasia points can offset your purchases both locally and abroad, so be sure to make full use of the points earned from your flights to pay for your purchases.

The next time you’re hopping across the islands of Phuket, Bali, or Palawan, or making a trip to Hanoi or Singapore, remember to check your app so you don’t miss out on any opportunities to utilise your points wherever airasia has a presence. And when you’ve touched down again in Malaysia, use your points to redeem airasia ride vouchers so you can score a discounted ride back to your home.

3. Enjoy Additional Savings

Speaking of vouchers, did you know that you can enjoy extra savings when you redeem airasia rewards deals directly from the airasia Super App? Aside from airasia ride vouchers, members can also redeem vouchers and products across various categories beyond flights and travel. Whether you’re looking to get a sweet treat from your favourite frozen yoghurt store, get flowers for a loved one, pick up new kicks, upgrade your fitness tracker, splurge on new headphones or more, you can save your hard-earned money by using airasia points as your payment method.

Furthermore, airasia has introduced Super Members’ Week where members can relish 7 days of nonstop rewards. That’s extra earnings and savings all day for an entire week!

How does it work? Well, as an airasia member, you get to earn 5x airasia points when you spend on food, hotels, flights (Non-AirAsia Flights), rides and more. You also get to enjoy a reduced point-to-Ringgit redemption rate of 50 airasia points to RM1, as opposed to the regular 125 airasia points. That means for a limited time only, you can use fewer airasia points to pay for any of the services or products available on the airasia Super App.

With AirAsia’s Final Call sales, you can also use your bonus earnings to redeem flights at much lower rates. Happening every first and last week of the month, you’d definitely want to take advantage of fantastic flight discounts to visit your dream destinations.

***

If you like getting more value for your money, consider downloading the airasia Super App and signing up as an airasia member. Designed to be #SuperRewarding, airasia Super App’s suite of features offer you the opportunity to indulge in a whole host of lifestyle deals, special offers, and most importantly, cash savings.

It’s easy to sign up and it’s rewarding. Become an airasia member for FREE and download the airasia Super App today from the Apple App Store, Google Play Store, or Huawei AppGallery now.

Follow
airasia rewards
 on Facebook and
@airasiarewards
 on Instagram for the latest updates on flight destinations, deals, promotions and more!

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KDI Save Now Offers Interest Rates Of Up To 3.5% p.a.

Kenanga Investment Bank has updated the promotional interest rates for its savings product, KDI Save. With this, KDI Save users can earn up to 3.5% p.a. effective annual rate (EAR) on their money parked in the cash management fund – effective immediately.

To clarify, KDI Save initially offered a promotional interest rate of 3% p.a. on the first RM200,000 deposited when it was
launched earlier this year
 alongside another investing feature,
KDI Invest
. The promotion was applicable until the end of 2022. Following this latest update, however, the interest that you can earn via the cash management product will now be tiered up to 3.5% EAR, depending on your investment amount:

Investment amount in KDI Save
Promotional return rate (% p.a.)
Up to RM50,000
3.5%
Between RM50,001 to RM200,000
3.0%
More than RM200,000
2.5%

Kenanga also noted that this new rate is a limited-time offer, but did not share when it will end; instead, it only stated on its
landing page
 that the rate is applicable “until further notice”. It also highlighted that users can tap into the promo rate by investing fresh funds directly into KDI Save, or by transferring existing investments in KDI Invest to KDI Save during the promotion period.

This revision is likely motivated by the need to keep
KDI Save’s rates competitive
 as Bank Negara Malaysia (BNM) gradually increases the overnight policy rate (OPR); to date, the OPR has
been raised to 2.5%
. This, in turn, has also improved the interest rates for the savings instruments and products in Malaysia, including
fixed deposits
.

(Source:
Kenanga Digital Investing
)

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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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6 Reasons To Enjoy The JBL Wave 100TWS – Only RM99 This 11.11

Wireless headphones have become all the rage following the rising popularity of TikTok, Reels, and podcasts. Whether you’re an emerging audiophile or just love jamming to the latest bangers, you can’t deny that your headphones may make or break the experience altogether.

Lucky for you, this 11.11, you can get the JBL Wave 100TWS at a heavily discounted price! Its True Wireless Stereo tech allows you to live freely without being tethered to cables.

TL;DR:
You can get it for only RM99
 instead of the usual price of RM249 this 11.11.Read on to learn more about the JBL Wave 100TWS.

Whether you’re an audio enthusiast or just looking for a pair of budget-friendly earphones, the JBL Wave 100TWS is a great option to consider. Don’t miss this opportunity to get the JBL Wave 100TWS for only RM99!

Visit the website
 to purchase the JBL Wave 100TWS today.

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IKEA Launches Home Contents Insurance Plan, Underwritten By Etiqa

Home furniture retailer IKEA has launched its very own home contents insurance solution called HEMSÄKER, underwritten by Etiqa General Insurance Berhad. HEMSÄKER is available online and is aimed at making home insurance simpler and more accessible to the public.

The name HEMSÄKER is derived from the Swedish words for “home” and “security” and offers home contents and personal accident insurance. It covers the costs incurred due to damage to your home furniture, household goods, valuables and belongings, and tenant’s fixtures and fittings. It also covers personal accidents and personal legal liability as well.

So, in the event any fire, lightning, water damage, natural disaster, gas explosion, or burglary, you can rest assured knowing that you and the contents of your home are protected up to the specified coverage amounts. However, do note that the home contents insured under this policy do not include things like motor vehicles, or the general structure, fixtures, and fittings of the house; you can check the policy wording for more details.

“Now, it is more important than ever to make our homes feel like a safe place to be in, it is not just the things inside our homes that are important but the people too,” said Gerard Jansen, Country Retail Director, IKEA Southeast Asia. “By providing an easily accessible home contents insurance, we are helping Malaysians protect the things that make their homes count. Through HEMSÄKER we are bringing our expertise in creating simple, transparent, and affordable products to insurance.”

Etiqa CEO Fukhairudin Mohd Yusof added that Etiqa is pleased to partner IKEA in providing comprehensive and affordable home contents insurance for customers. “Our organisational culture of making things Fast & Easy, whether it is to purchase, submit claims or receive payouts, makes this an ideal home contents insurance solution as customers are able to sign up, and easily manage their insurance online,” he explained. “This feature is key as we are still navigating a global pandemic, with many people turning to digital solutions for their insurance needs.”

HEMSÄKER is available in two plans: the Basic, which is priced at RM208 per year for coverage of up to RM50,000 and the Plus, which costs RM308 per year for coverage of up to RM100,000. The insurance solution comes with a fully digital application process where you can make your purchases from the IKEA website and manage your policies online thereafter.

IKEA Family members who apply for a HEMSÄKER policy now are currently entitled to a special no-claims bonus. If there are no claims made under the HEMSÄKER policy within 365 days, IKEA FAMILY members will receive 3,000 IKEA FAMILY points (worth RM30), which can be redeemed at any IKEA store in Malaysia. For your information, membership for the
IKEA FAMILY
 loyalty programme is free.

For more details, you can find out more about the
HEMSÄKER policy
 here.

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Affin Removes Affin Duo Cashback Benefits For Three E-Wallets

Affin Bank is removing the Affin Duo’s cashback benefits for three e-wallets: MPay, Sarawak Pay, and Whalet. The change will take place effective 15 November 2020. Therefore, Affin Visa Cash Back Cardholders will no longer be able to receive cashback for transactions on these three e-wallets from 15 November.

The Affin Visa Cash Back Card is one half of the dual-card Affin Duo, and offers 3% cashback on online, e-wallet, and auto-billing transactions. The Affin Visa offered cashback on 20 e-wallets when it first launched, before adding Setel early this month to make a total of 21 eligible e-wallets.

With the latest revision to the card’s benefits, the Affin Visa Cash Back Card will now offer cashback on a total of 18 e-wallets as listed below:

BigPay

Boost

FassPay

Gkash eWallet

GrabPay

Instapay eWallet

Instapay Card

KiplePay/KiplePark

Lazada Wallet

Mcash

Presto Pay

Razer Gold/Pay

Setel

ShopeePay

TaPay

Touch ’n Go Prepaid Card

Touch ’n Go eWallet

WeChat Pay

Affin Bank did not offer an explanation on why MPay, Sarawak Pay, and Whalet are being removed from the list just two months after the
Affin Duo cards were launched
. However, even with the revision, the Affin Visa Cash Back Card can still be considered highly generous with the number of e-wallets it has approved for cashback.

In fact, in our
in-depth review
 here, we explain why we think the Affin Duo – or specifically, the Affin Visa Cash Back Card – is the best new cashback card in the market. Alternatively, find out more about the
Affin Visa Cash Back Card
 and the
Affin Mastercard Rewards Card
 here.

(Source:
Affin Bank
)

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Samsung Malaysia Offers New Freebies For Pre-Order Of Galaxy S22 Series

Samsung Malaysia has announced that it will be providing new pre-order gifts to customers who book any of the Samsung Galaxy S22 models between today and 3 March 2022. The new set of pre-order freebies will be worth RM1,168 – as compared to the original set of gifts, which had a value of RM1,317.

Depending on which model of the Samsung Galaxy S22 lineup that you order – comprising of the Galaxy S22, S22+, and S22 Ultra – you will be entitled to the new freebies as shown in the table below. We have also included the list of pre-order gifts that were previously offered, for your comparison:

Models
Previous pre-order gifts (9 – 16 Feb 2022)
New pre-order gifts (17 Feb – 3 March 2022)
Samsung Galaxy S22 Samsung Galaxy S22+
– RM800 e-voucher
– Silicone cover with strap, worth RM169
– Camera filter mount, worth RM169
– Lucky Box (1x wide strap for silicone cover with strap), worth RM79
Galaxy Watch4 Bluetooth (40 mm), worth RM899
Samsung Galaxy S22 Ultra
– RM800 e-voucher
– Silicone cover with strap, worth RM169
– Galaxy x LAMY Safari Twin Pen, worth RM269
– Lucky Box (1x wide strap for silicone cover with strap), worth RM79
– Galaxy Watch4 Bluetooth (40 mm), worth RM899
– Galaxy x LAMY Safari Twin Pen, worth RM269

In its statement, Samsung thanked its customers for the “overwhelming support and love” for the latest Galaxy S22 series, but did not offer an explanation as to why it decided to update the pre-order gifts. On top of that, the delivery date of this new pre-order has also been changed to 1 April onwards.

The Samsung Galaxy S22 series is currently available for pre-order at a price range of RM3,499 to RM5,899, depending on the model and memory storage that you choose. You can do so via various channels, including Samsung’s official online store, Samsung Experience Stores, as well as authorised partners (online and in-store).

You can also read our
full coverage on Galaxy S22 series
 here to find out more about the phone models in the lineup.

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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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FOMCA Welcomes Reintroduction Of GST

(Image: Malay Mail/Shafwan Zaidon)

The Federation of Malaysian Consumers Associations (FOMCA) has stated that it agrees with the government’s plan to reintroduce the Goods and Services Tax (GST), in a bid to raise the country’s revenue.

The president of FOMCA, Datuk Dr Marimuthu Nadason said that if the GST is reimplemented, it will directly contribute to an increase in the national income. He added that the taxation model was effective when it was introduced back in 2015.

“But then we scrapped that [GST] off and introduced sales and services tax (SST), which had somehow created loopholes for some people to avoid paying their tax reimbursement. So by introducing GST again, it would directly help the government, especially in terms of tax collection,” Datuk Dr Marimuthu further said.

(Image: New Straits Times)

The FOMCA president also noted that most economically advanced nations utilised taxation models that are similar to the GST – a move that has helped to improve their countries and people. “The concept here is that if you buy more, you pay more, hence people don’t have to worry if they’re not in the threshold,” he remarked.

Earlier this week, Prime Minister Datuk Seri Ismail Sabri Yaakob had reiterated that the
government is keen to reintroduce the GST
, echoing the
proposal from former prime minister Tan Sri Muhyiddin Yassin
. According to him, the government will aim for a reasonable GST rate that will benefit all parties if it is reimplemented.

(Source:
New Straits Times
)

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Affin Wincation Campaign Offers Mazda CX-5 Grand Prize, Other Special Prizes

Affin Bank is currently running its AFFIN Cards Wincation campaign, which offers credit and debit cardholders the chance to win a Mazda CX-5 as grand prize, on top of special prizes in the form of travel vouchers worth RM3,000. Already ongoing, it is set to run until 31 March 2023.

Open to all new and existing Affin credit and debit cardholders – except for those who have the Affin Visa Business Platinum, Visa Basic, and Mastercard Basic credit card/-i – you can participate in this campaign by performing selected transactions and banking activities in order to earn entries. These entries, in turn, will put you in the running to win the following prizes:

Prizes
Details
Allocation for campaign
Grand prize
Mazda CX-5
2.0G 2WD MID SKYACTIV (CKD) 2.0L
1x
Special prize
Travel vouchers worth RM3,000 each by Triways Travel Network (M) Sdn Bhd
5x

Meanwhile, banking activities and transactions that you can perform to earn entries are as follows:

Banking activities/Transactions
Entries earned
Credit cardholders

– Every RM200 spent on local retail expenses
– Every RM500 spent via Easy Payment Plan or overseas transactions
1x
5x
Debit cardholders

Every 10 retail transactions (of any amount)
1x
Approved application of new credit card with minimum qualified spend of RM100 within 45 days from approval date
10x
New sign-up of Credit Shield for credit cards
5x
Approved application of new Merchantrade prepaid card
10x
New debit card sign-up with Debit Protector
10x

Only local, online, and overseas retail transactions are accepted as qualified spend for this campaign. Transactions such as monthly instalment payments and balance transfers are not eligible.

At the end of the campaign period, Affin Bank will then use a randomiser programme to select its campaign winners. The grand prize will go to the first shortlisted eligible cardmember, while the second to sixth shortlisted individuals will get the special prizes (each cardholder can only win one prize throughout the campaign period).

Affin Bank also clarified that winners will be notified through phone calls or emails within 12 weeks from the end of the campaign period. Do note, though, that some of the prizes may come with conditions of use; for instance, the special prize travel vouchers have a validity period of six months from the issuance date.

Finally, registration is not required to participate in this campaign. All eligible cardholders will be automatically enrolled, and you can go ahead and perform the necessary transactions to earn entries.

(Source:
Affin Bank
)

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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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Things You Just Can’t Buy with Cash

While most purchases can be made with plain cash, it’s apparent that there are some things it just can’t buy. And let’s face it; cash just isn’t practical enough for certain items, plus you do run a greater risk of theft or loss when walking around with large sums of money than you would with a credit card or chequebook.

So what types of purchases would require alternative payment methods? Here are four such situations that request (or prefer) for you to pay with something other than direct cash:

1. Digital Goods

Cash is usually a no-go when making payments for online digital buys such as computer software, mobile apps, stock images, and eBooks. In the past, payment options were limited to credit cards alone. Nowadays however, you can pay through debit and credit cards as well as bank account transfers while some even accept online micropayments (e.g.
MOL points
).

2. Overseas Purchases

When buying from online sellers outside your homeland, cash payments are impractical and likely not accepted. In these instances, payment methods such as money orders, internet transfers, credit cards and online payment services like
PayPal
 would make more sense. Some of these “alternatives to cash” transfer modes may also help you get hold of competitive exchange rates when paying in different currencies.

3. Online Subscription Services

Subscription services often let you pay in many ways except in hard cash. Services like
Spotify
,
iflix
,
Netflix
, and
Xbox Live
 accept payment from credit and debit cards, bank accounts, gift and prepaid cards as well as online payment systems.

4. Big-Ticket Items

In the old days, people had to carry around thick wads of cash to make large purchases or payments; it wasn’t safe then and it isn’t safe now. Thankfully, you’ll have many options to securely pay off your big-ticket purchases without using cash.

For example, when putting large down payments for home or motor vehicle purchases, you can buy a bank draft (or issue a cheque if you have a current account) or make an online fund transfer.

While most merchants will accept your coins and paper money, it’s apparent that not all do. So which alternative payment method do you choose when cash isn’t an option? We say go with the one that provides the most security, rewards and savings potential. Credit cards, especially good ones, are capable of offering all three.

Need help finding a card with awesome savings, strong fraud protection and attractive extras? Then just head on over to our
comparison page
. Have anything to add to this article? Do share your thoughts with us in the comments section below!

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Own A Resort-Style Serviced Apartment Only 6 Mins From Sunway City, From RM346k

When we think of buying a property, whether it’s for our own stay or investment, location is at the top of mind for many. Typically, properties with easy access to mature townships tend to be popular among homebuyers as modern conveniences would be nearby. In addition, these townships are more likely to attract the latest hyped-up eateries, entertainment outlets, and shops.

Helix2 @ PJ South Business District is one such residential property, situated only a 6-minute drive away from one of Malaysia’s most established townships, Sunway City. Helmed by award-winning developer Eupe Corporation Bhd that has been building homes for over 30 years, this new project aims to provide luxury urban living to its residents with a starting price of RM346,000.

Read on to find out more about Helix2.

Connectivity to prominent hubs

Having easy access to major townships is a convenience every homeowner would like to appreciate. Whether it’s for work opportunities, leisure, or running errands, homeowners want to have more options and great connectivity allows for easy access to a host of amenities and facilities in the area.

Helix2, located in Jalan PJS 5/30, Petaling Jaya specifically, is directly accessible via the New Pantai Expressway (NPE). It is surrounded by neighbouring towns and cities like Sunway City, Subang Jaya, Petaling Jaya, Kelana Jaya, and Puchong.

Not only that, it’s also well-connected to Kuala Lumpur’s central business districts and landmarks via major national highways like the NPE, Damansara-Puchong Expressway (LDP), Federal Highway, and Kesas Highway.

PJ South address

Choosing the location of your residence is key because your lives would probably be centred around it. Simple routines like going to dinner or shopping for groceries will probably take place there. Being near to such amenities would fit right into the average urbanite’s needs and lifestyle.

Helix2, being a 6-minute drive from Sunway City, means that residents will be able to easily access prominent shopping outlets, education centres, recreational sites, medical centres and public transportation.

Living near the sprawling township, one can also anticipate exciting arrivals of trendy outlets. For instance, Sunway Hotel, which is connected to Sunway Pyramid, situated only 1.5km away, is home to the new one and only Gordon Ramsay Bar and Grill restaurant in the country.

Premium resort-style living

As urbanites, sometimes we want to get away from it all for some much-needed peace and quietness. With Helix2, you can enjoy a tranquil ambience 24/7 without needing to travel anywhere else as the entire property is inspired by premium resort hotels.

From the moment you step into the lobby, you’ll be greeted by a spiral staircase designed to mimic the helixes of DNA, to make for a grand first impression. As you go along, you’ll see lush landscaping and natural features to take you away from the rush of city life.

The building facade and roof top design of Helix2 will also feature the striking double spiral design. Aside from a resort-like ambience, you’ll find facilities crafted to help you rest and relax such as a stunning Sky Garden, sauna, jacuzzi, and pools – a perfect respite from the hustle and bustle of daily life.

Something for everyone

With around 30 facilities spread across four floors, there would hardly be a dull moment in Helix2. Perfect for the active ones, the ground floor is chock-full of outdoor facilities surrounded by greenery from a play court and playground to a linear park, swimming pool, and wading pool.

On Level 1, you’ll find dedicated spaces for group events including a multipurpose hall, pre-function lobby, and a gourmet kitchen. An indoor gymnasium is housed on this floor as well for those who want to get their fitness workouts done. For those who enjoy entertaining guests, you can do so at the Kenduri Al-Fresco and BBQ area on Level 2.

During lazy weekends, you can proceed to Level 33 and while away in hammocks or Insta-worthy swing seats while being surrounded by greeneries. You can also stimulate your body on the reflexology path, fitness garden, and Tai Chi area. Meanwhile, features like the tricycle seat, car seat, and boat seat would probably make for some fun snaps.

***

Today’s urban living requires a combination of a tranquil space and access to modern conveniences. With a track record of building residences such as Novum @ South Bangsar, Parc 3 @ KL South, and Est8 @ Seputeh, Eupe Corporation Bhd is now introducing the well-connected Helix2 @ PJ South Business District that promises an elevated resort-living experience.

The new development has multiple layouts featuring bay windows and yards ranging from 572sq.ft. 2-bedroom units to 1,065sq.ft. 3 + 1-bedroom units at an affordable starting price of around RM346,000.

If you’re looking for a serviced apartment that provides a certain quality serene ambience while also being connected to mature townships at an affordable price, check out Helix2 @ PJ South
here
 or call 017-275 7188.

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Maybank Teases “Amazing News” For Manchester United Fans, Coming On 1 January 2022

Maybank has shared on its social media that there will be some “amazing news” for Manchester United fans come the turn of the new year.

“We have some amazing news for #ManUtd fans, come 1 Jan 2022! Watch this space for more!” the bank merely noted in a teaser post without disclosing much. The accompanying video, meanwhile, reveals slightly more; as you can see below, it bears the outline of a card featuring the image of Manchester United forwards Christiano Ronaldo, Marcus Rushford, and Mason Greenwood.

We have some amazing news for
#ManUtd
 fans, come 1 Jan 2022! Watch this space for more!
#MU10

#MaybankCards

pic.twitter.com/anSUZpEyd9

— Maybank (@MyMaybank)
December 27, 2021

Based on this image, it is likely that Maybank is referring to the upcoming
Maybank Manchester United Visa credit card with a new design
, which also shares similar visuals. The revamping of the card was announced earlier this month in conjunction with the bank’s 10-year partnership with the football club. During this prior announcement, Maybank only said that the new design is expected to be launched in early 2022, but did not share a specific date.

Maybank’s statement back then also implied that it may be introducing some changes to the features of the current Maybank Manchester United Visa credit card, alongside the new design.

With 1 January 2022 arriving in less than 24 hours, you won’t have to wait long to find out what Maybank has in store for you! We’ll also continue to keep an eye out for further updates and share them with you.

(Source:
Maybank
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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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What To Consider When Choosing An Ideal Family Home

Buying a home is undeniably one of the most significant purchases we will ever make in our lives. Beyond a financial investment, it signifies stability, security, and a shelter to call our own. As such, the decision to buy a home warrants careful thought and consideration.

Unsurprisingly, it’s imperative to take various factors into account, ensuring that the home we select aligns perfectly with our needs, aspirations, and long-term plans. From the location and facilities to accessibility and affordability, making the right choice will not only guarantee a comfortable and happy living experience but also a solid foundation for our future.

Here are three crucial considerations to keep in mind when searching for the perfect family home.

1. Prime Location: Proximity to Schools, Shopping, and Everyday Services

Location plays a pivotal role in determining the convenience and comfort of your family’s daily life. When choosing a family home, consider its proximity to essential amenities such as schools, healthcare facilities, shopping centres, and other everyday services. Easy access to quality education and medical care ensures your family’s well-being, while nearby shopping options make grocery runs and leisure activities convenient and a breeze.

2. Facilities: Features that Provide Enjoyment and Relaxation

A home should be more than just a roof over our heads; it should offer spaces where we can bond, unwind, and create lasting memories with our loved ones. Look for residential areas that provide an array of facilities designed to add vibrance to your life. Facilities such as designated barbecue areas, basketball courts, fitness centre, and green spaces provide opportunities for recreational activities and foster a sense of community among residents.

3. Accessibility: Easy Reach of Highways and Destinations

Accessibility is a crucial factor in today’s fast-paced world. A strategically located family home with easy access to major highways ensures smooth commutes to work, schools, and other destinations. A well-connected neighbourhood enables you to explore nearby attractions, visit friends and family, and access various services without hassle.

Welcome to KITA Bestari: Where Your Family’s Dream Home Awaits!

Among the multitude of residential options available, KITA Bestari stands out as a gated and guarded residential area thoughtfully designed with families in mind. Located on KITA @ Cybersouth’s Malay-reserved land, KITA Bestari offers a perfect blend of modern living and mother nature’s best offerings.

A Pleasant Living Experience at KITA @ Cybersouth

The gated and guarded community of KITA @ Cybersouth is located in the developing southern corridor of the Greater Klang Valley.

The development, which is situated on 633 acres of Malay-reserved land, will consist of terrace houses, townhouses, apartments, shops, and commercial lots. KITA @ Cybersouth aims to offer excellent liveability, connectivity, and affordability to its residents.

Facilities Designed To Enrich Everyday Living

KITA Bestari offers an array of facilities that cater to diverse interests. Residents can host a grilling session at the dedicated barbecue area, engage in physical exercise at the fitness centre, or strike up a game of sepak takraw or basketball at the respective courts.

Kids also have plenty of space to play with an integrated playground. Besides that, parents can take their kids cycling around the bicycle path or take evening strolls along the walking paths.

Whether it’s hosting a barbecue party, engaging in sports activities, or simply spending time outdoors, there’s something for everyone.

Multiple Options To Choose From

Each family has unique needs. With that in mind, KITA Bestari offers single-storey or double-storey homes so residents can find the perfect fit for their families.

The 20’ x 70’ single-storey home has a built-up area of 1,094 sq ft and comes with 4 bedrooms as well as 2 bathrooms. With no second floor to attend to, empty-nesters and couples could greatly benefit from having a home like this. It holds sufficient room for hobbies, storage, and even for hosting guests.

Aside from the single-storey home, KITA Bestari also has another option available – the double-storey home. Sat on a lot size measuring 20’ x 60’, the double-storey home has a built-up area of 1,447 sq ft and also offers 4 bedrooms, but with an additional bathroom, amounting to 3 bathrooms in total.

The double-storey option would make an ideal choice for growing families as kids could get their own bedrooms. Otherwise, parents have the option to convert extra rooms into a study or office. The downstairs bedroom would be convenient for families with the elderly as they can easily access it without needing to climb the stairs.

With different options available, KITA Bestari homes are suitable for growing families as well as multigenerational living.

Education Just Minutes Away

Having schools nearby when selecting the ideal family home is of paramount importance. Shorter commute times to schools also mean less stress and more quality time spent with the family. When living at KITA Bestari, residents will be within close proximity to educational institutions catered to students of all ages.

For your children who are in primary or secondary school, SK Dengkil and SMK Dengkil are under 10km away. For tertiary students, UiTM Dengkil, Multimedia University, and Heriot-Watt University Malaysia are within driving distance.

Seamless Connectivity

In addition to having schools and tertiary education nearby, residents also enjoy the advantage of highway accessibility. KITA Bestari offers easy access to major highways such as the Putrajaya-Cyberjaya Expressway, MEX, ELITE, SKVE, and others.

Not only does this make traveling to and from more convenient, but it also significantly saves time spent on commuting.

Affordable Landed Homes In Greater Klang Valley

One undeniable aspect of KITA Bestari is its affordability. Homes here start from RM509,000, making them comparably more affordable than similar-sized properties in the central Klang Valley. This makes KITA Bestari an attractive option not only for growing families but also for first-time homebuyers seeking a place to call their own.

***

Purchasing a family home is a significant step in life, and considering the right factors ensures a happy and fulfilling living experience. With its affordability, facilities, and convenient connectivity, KITA Bestari makes for an ideal choice for families seeking their ideal home.

If you’re ready to create lasting memories with your loved ones,
click here
 to learn more about KITA Bestari.

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    Geetha Mahendran

    1 month ago

Can kita bestari or kita@cybersouth be purchased by others… here it states malay-reserve land? Please advise. Thank you.

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IMF: BNM Acted Swiftly To Stem Inflation In Malaysia

(Image: Bloomberg)

The International Monetary Fund (IMF) has commended Bank Negara Malaysia (BNM) for moving “quite fast” to stem inflation within the country. This is following the gradual overnight policy rate (OPR) hikes that were made by BNM’s Monetary Policy Committee (MPC) over the past months.

According to the division chief of regional studies at IMF’s Asia and Pacific Department, Shanaka Peiris, BNM had acted even before inflation rose above its
target bands
. This, in turn, enabled Malaysia to manage and record
one of the lowest inflation rates in the world
.

For context, BNM had so far raised the OPR three times in 2022 –
May
,
July
, and
September
 – with an increase of 25 basis points (bps) each time. As such, the OPR was raised from an
all-time low of 1.75%
 to its current rate of 2.5%.
Further hikes are expected in the near future
 to bring the OPR to above 3%. Meanwhile, Malaysia’s headline inflation eased for the first time in six months to 4.5% year-on-year in September 2022, from 4.7% in August.

(Image: Samsul Said/Bloomberg)

Aside from acknowledging BNM’s swift action, Peiris further said that many other countries in the region are on course to bring down their inflation to below target by 2024. Her view is shared by the director of IMF’s Asia and Pacific Department, Krishna Srinivasan as well, although Srinivasan also went on to highlight that growth in the Asia and Pacific region is expected to moderate in 2022 and 2023.

“The region is facing three formidable headwinds which may prove to be persistent. They are global financial tightening, the war in Ukraine, and the sharp and uncharacteristic slowdown of the Chinese economy,” Srinivasan explained, adding that Asia’s strong economic rebound that was seen in early 2022 is now losing momentum.

Consequently, Srinivasan said that policymakers within Asia will need to prioritise several matters at this juncture to assist in its recovery. These include a further tightening of monetary policies to ensure that inflation is manageable, and that inflation expectations remain well anchored. Fiscal consolidation is also required to stabilise public debt and to support the monetary policy stance. This is as Asia is currently reported to be the largest debtor in the world – despite also being the largest saver – and several countries are at risk of slipping into debt distress.

Asia’s policymakers continue to face difficult trade-offs between supporting growth, lowering inflation, and managing external and financial stability risks. Learn more in our new Regional Economic Outlook for Asia and the Pacific:
https://t.co/G0NDylqoCt

pic.twitter.com/Ckh2LbHcmL
— IMF (@IMFNews)
October 28, 2022

“Public and private debt dynamics are already worse following the pandemic because of slower growth and higher debt levels. Depreciations and rising interest rates could expose financial vulnerabilities from high leverage and unhedged balance sheets and further raise public debt ratios,” Srinivasan remarked.

Ultimately, Srinivasan emphasised the need for an integrated approach to tackle all the challenges in a timely and sensible manner. At the same time, parties in charge should also always be mindful of further downside risks and adapt accordingly, he said.

(Sources:
IMF
,
Free Malaysia Today
)

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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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Live Better with GNC and Standard Chartered credit cards

Health food aficionados who shop regularly at
GNC Live Well
 might want to consider signing up with Standard Chartered credit cards. From now till 30 June 2013 Standard Chartered credit card and debit cardholders are eligible to receive 20% off supplement items from GNC Live Well.

This promotion is not valid with other existing promotions, low-priced items, foodstuffs, vouchers or discounted items. Click
HERE
 for the full list of participating GNC outlets.

For general Terms & Conditions please visit Standard Chartered
HERE
.

Need to apply for a Standard Chartered credit card? Try RinggitPlus’ online
credit card aggregator
.

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TM Offers Up To Same-Day Installation For New Unifi And Streamyx Registrations

TM is speeding up its installation services to allow customers to enjoy installation for their new home internet plans. Applicable for Unifi and Streamyx home plans, TM is promising up to same-day or installations within 24 hours upon registration.

This initiative is to allow customers to set appointments for the Fibre Broadband to be installed on the same day or the next day after registering with Unifi or Streamyx home plans. The table below illustrates the time slots for the installation appointments depending on customers’ registration time:

Upon appointment slot checking & order submission

Earliest slot available

Day of installation

Before 10.00am

Afternoon

Same day

Between 10.01am – 2.30pm

Morning

Next day

After 2.31pm

Afternoon

Next day

TM operates seven days a week, so this schedule is also applicable for the weekends, but is subject to the availability of appointment slots. In addition, TM is also waiving the installation charge worth RM200 until 31 March 2019.

TM currently offers two Fibre Broadband plans, with the first costing RM79 a month with 30Mbps speeds and 60GB quota, while its other home plan is priced at RM129 per month with 100Mbps speeds and no usage quota. Meanwhile, TM still offers four Streamyx copper-based broadband plans for areas that are not covered by TM’s fibre network. Prices range from RM110 to RM160 a month.

Check out
Unifi’s FAQ
 section for more information on services and plans.

(Source:
Soyacincau
,
Unifi
)

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30% Cashback on Your First 3 Swipes with the Alliance Bank You:Nique Credit Card

Sign up for the Alliance Bank You:Nique credit card
 and score 30% cashback on the first three swipes made within 60 days from the day of card issuance.

The reward is capped at RM120 for all three swipes per account holder. Applicants must be new customers who have not had an Alliance Bank credit card in the past six months prior to applying.

Applications must be submitted before 30 June 2013 and approved before 15 July 2013 to qualify.

Treat yourself to some shopping but read the
full terms and conditions first
!

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Frequently Asked Questions About E-Wallet Security, Answered

As Malaysia
enters a new digital age
, physical cash is slowly being replaced by various cashless mediums. Today, a large amount of merchants in Malaysia have begun adopting e-wallets as they are a more convenient and secure option compared to physical cash. E-wallet users in Malaysia are also on the rise, with wallets such as Touch ‘n Go eWallet boasting a user base of more than 4 million.

But, there are still some who do not trust e-wallets as they believe e-wallets present a security risk. Unfortunately, this minority are wide off the mark, as e-wallet providers in Malaysia are heavily regulated and must adhere to
guidelines set by Bank Negara Malaysia
, which means security and data preservation are always a priority for these companies.

With that in mind, we spoke to some individuals who don’t use e-wallets on their security concerns, and try to answer them as best we can.

1) How Safe Is My Money In E-Wallets?

Funds stored in e-wallets are just as safe as physical cash in your own wallet. In fact, it’s actually more secure than physical cash – the risk of snatch thefts, robberies and petty thieves stealing your wallet is always present. With e-wallets, you can minimise the amount of physical cash to carry.

Similarly, Bank Negara Malaysia has strict guidelines for e-wallet license holders, and all e-wallet providers are heavily regulated. A core principle to operate an e-wallet in Malaysia, according to BNM, is to “establish adequate governance and operational arrangements”, which must include “measures to ensure safety, security and operational reliability of the e-money, including contingency arrangements.”

For example, one BNM regulation states that e-wallet funds stored users must be placed in a trust account that can only be used for two things: refunds to users and payment to merchants. It eliminates the risk of e-wallet companies using the funds for any form of investment.

This security extends to the e-wallet apps as well. Most transactions require some form of password or biometric authentication, which means it’s extremely difficult for someone to steal your e-wallet and pay for something.

2) What Happens If My Phone Gets Stolen?

With so much data stored in our smartphones, it is a nightmare to have it stolen – so it’ll be worse if there are e-wallet apps installed as well, right? There goes all the money in your e-wallet?

Nope! As mentioned earlier, e-wallets in Malaysia require some form of user authentication before a transaction can be done. It usually comes in the form of a six-digit PIN or via biometric authentication such as fingerprint or irises if the smartphone supports it. This authentication applies across the board for all transactions on the e-wallet, from peer-to-peer (P2P) funds transfer, QR scan and pay, and other in-app purchases.

So even if your phone gets stolen, the funds in your e-wallet remains secure. Just log in to the app from your replacement phone – almost all e-wallets in Malaysia do not allow concurrent installations for a single account, so the act of signing in from another phone revokes access to your stolen one.

3) Can Someone Hack Into My E-Wallet? There’s A Lot Of News About Data Breaches…

Gaining access to a user’s e-wallet can be done in two ways: by breaking past the many layers of security protocols built into the e-wallet platform, or locally via the individual e-wallet user’s phone.

Now, no security protocol can be 100% unbreachable, but one of the main requirements set by BNM for e-wallet licensees involves the “deployment and adoption of an appropriate system security infrastructure and authentication mechanism, which should commensurate with the nature and complexity of the e-money’s system design, architecture and platform, and are further complemented with the implementation of procedural safeguards to detect and protect against fraud and hacking.”

So, it’s safe to say there is a higher chance of someone attempting to forcefully take your phone and attempt to take your e-wallet funds. But even then, it’s virtually impossible. Let’s break it down.

If a user attempts to steal your wallet funds, it can only be done via P2P funds transfer – which requires the recipient’s phone number! A thief would never reveal this information as it could be tracked back to them. The only other way to move funds out of an e-wallet is to pay to a merchant, which again, can be tracked. A third option would be for the thief to force you to buy something from a store, but let’s be serious – that’s way too much effort and risk.

Of course, there is also the risk of having your card information being stolen by hackers if the e-wallet’s backend security isn’t strong. But as we mentioned earlier, BNM has strict requirements for e-money licensees which includes proper security measures and countermeasures in place to protect customer data.

4. There’s A Transaction That I Didn’t Do On My E-Wallet, And Funds Have Been Deducted! What Can I Do?

In the very unlikely event of an unauthorised
transaction, you can rest assured that thanks to the increased transparency with e-money transactions, an e-wallet company can easily determine if a fraudulent transaction has taken place and reverse it.

Some e-wallet companies may also go the extra mile to offer greater peace of mind to its users. For example, Touch ‘n Go eWallet recently introduced a new
Money-back Guarantee
 feature, which guarantees a full refund within five working days for unauthorised transactions made on its e-wallet.

To get protected, users simply need to upgrade their eWallet by verifying their accounts using the app’s e-KYC verification feature. This just requires users to upload a photo of their IC as well as a selfie to confirm their identity. Verified users will see an icon of a white shield with a green tick next to their profile photo in the app.

The Touch ‘n Go eWallet Money-back Guarantee feature gives the confidence for users to transact and use the app without worries, every time. If an unauthorised transaction has taken place, users have 60 days to report the issue by submitting a claim form which includes necessary information for the team from Touch ‘n Go eWallet to investigate. If it is proven to be an unauthorised transaction, Touch ‘n Go eWallet will give a full refund to the user’s e-wallet account within 5 working days.

Better Than Physical Cash

With so many measures in place to ensure the security of e-wallet users, it’s no surprise that more and more Malaysians are trying out e-wallets. And, features such as
Money-back Guarantee by Touch ‘n Go eWallet
 helps inspire confidence to first-time users as well as those who do not understand the technical aspects of e-wallets.

Plus, Touch ‘n Go eWallet has another unique feature that makes it stand out from other e-wallets. Besides convenient uses such as prepaid reloads and bill payments, there is also
PayDirect
, which is the ability to link a user’s physical Touch ‘n Go card to the eWallet. With PayDirect, toll fares are deducted from the user’s eWallet fund if they use their physical card to pay for all open-system tolls in the Klang Valley (such as Sprint, LDP, Kerinchi Link, and plenty more). This means users just need to top up their eWallet, which can be done anytime, anywhere – no more queueing up at Touch ‘n Go Tambah Nilai lanes when you forget to top up. Plus, by using PayDirect you also stand a chance to win
1 year’s worth of free tolls
!

With a combination of convenient and unique features, high-level data security, and now even a
money-back guarantee
, there are plenty of reasons to try out Touch ‘n Go eWallet on
Android
 or
iOS
 today.

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The unsweet sound of sugar subsidy cuts?

It would now appear that there may be more subsidy cuts coming in the Budget 2014. The next being on sugar.

Health Minister,
Datuk Seri Dr S. Subramaniam is urging the government to cut it’s subsidy on sugar to discourage a high sugar intake amongst Malaysians
. The move, he says, will help reduce the instances of diabetes which is fast spreading amongst Malaysian citizens.

“The number of diabetic patients in the country has increased to 2.6 million or 15 percent of the total population. This is partly due to lack of control in the intake of sugar,” he told reporters after opening a diabetes awareness campaign in the Segamat Parliamentary constituency at the Buloh Kasap Multi-purpose hall, here, Sunday.

This of course, he stressed, doesn’t take into account the many who do not get tested and thus may be living with the disease but not contributing to statistics.

Diabetes is worrying. Linked to many
other illnesses including heart disease and stroke
.

However, sugar is only one part of the problem. Sugar is present in many forms of food
including fruit and carbohydrate-rich foods such as white rice
 – much of which are consumed by Malaysians daily.
Diabetes can also be caused by hereditary susceptibility and other medical conditions
.

Thus, saying a reduction in subsidy will aid the rise of diabetes is a tad simplistic. Just another way to rationalise subsidy reduction? It begs the question what other ‘surprises’ are in store for Budget 2014.

Queen Marie Antoinette may have ‘let you eat cake
‘: You’re not going to now.

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Outsmarting Your Credit Card Debts

Ways to have shorter relationship with your credit card debts

It’s the middle of the month.  Salary’s spent, savings exhausted and the car loan payment is overdue again. Friends, family, and colleagues are equally short of cash and can’t lend you money – the panic sets in. “How am I going to make the late car payment? And survive the next 15 days with only RM50?”

That ad in The Malay Mail, the local bank offering personal loan with only 30 minutes approval looks very tempting. Run to the bank, fill out the form, sit back and wait.

Half an hour passes , dare you check the application?. You’re spending the cash already; paying your bills, buying that fancy new DSLR camera and taking your parents out to dinner. It all seems so real.

One word that snaps you back to reality: REJECTED! You’re shocked. “Why? How come? Oh, this can’t be happening!”

Why? Well the bank looked into your credit report and decided not to go ahead with your application. Remember the three months of missed car payments ? And those other bills that get paid, sometimes, when you’re feeling flush. Your credit report just isn’t appealing to the bank.

Now you begin to realise the importance of paying your debts on time. It’s not just for peace of mind, it will also help improve your chances of getting approved for the financial products you’ll need in the future.

As Bob Hope famously quoted:

“A bank is a place that will lend you money if you can prove that you don’t need it”.

It’s never too late to start managing your debt wisely. You can start by listing down everything you owe: monthly payments, due dates and remaining balances. Look for those with the highest interest rates and start to clear these first. Credit cards are a good example.

Depending on how you pay your credit card bills, the interest rates are generally around 13% to 18% per year. Avoid paying only the minimum amount every month to keep it from snowballing. If you really can’t make your payments in the near term, consider transferring your balance to another bank that is offering a 0% period for new customers. Use these few months to catch-up on your payments.

Next, look at bills that have fixed monthly payment. This could be your Astro bill, a personal loan, or insurance premium. Settle these with a standing instruction to your bank, on a set date every month, a fixed sum will be transferred from your account to the payee. Make sure the date is as close to your payday possible so that you don’t have time to withdraw the money before paying the bills. This will ensure your bills are being paid on time.

For any debt, prompt action is crucial. If you ever find yourself in a situation where you think you won’t be able to pay your debts for a period of time, call your creditors straight away. Calculate how much you can actually pay and discuss the options with them. The banks may be able to restructure your monthly payments to a more affordable amount.

If still you need help in managing your debt, seek advice from
The Credit Counselling and Debt Management Agency (AKPK)
. They provide free and independent services on financial education and debt management.

Take control of your debt before it takes control of you.

Image: FairLoanRate

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Bantuan Prihatin Nasional Payment Is Brought Forward, Starts On 6 April 2020

The disbursement of the Bantuan Prihatin Nasional (BPN) financial aid has been brought forward to today, 6 April 2020, instead of the originally intended end of April 2020. It marks the first phase of the payouts, which will be carried out in two parts – once in April, and once in May 2020.

The announcement also clarified that payments disbursed during this first phase will be done in two batches. The first batch, which is performed between 6 April to 12 April 2020, will cover B40 households and single individuals with monthly income of less than RM4,000 and RM2,000, respectively. During this round of payment, eligible B40 households will first receive RM1,000 out of the RM1,600 promised to them, with the remaining amount to be paid during the second phase in May 2020. Eligible B40 individuals, on the other hand, will get RM500 out of RM800 for now.

From 13 April to 15 April, on the other hand, payments will be made to M40 households earning between RM4,001 to RM8,000, as well as single individuals earning between RM2,001 to RM4,000 per month. The M40 households, which are promised RM1,000 in total, will receive RM500 this round, whereas single individuals will receive RM250 out of their full RM500 aid. The remaining amount will also be paid in May 2020.

These payments will be given to all eligible recipients through their bank accounts registered in the Lembaga Hasil Dalam Negeri (LHDN) or the Bantuan Sara Hidup (BSH) database. Additionally, BPN recipients who do not possess bank accounts will receive their payments in person once the movement control order (MCO) period is over.

“The first phase of payments, totaling RM5.63 billion, will be made in stages to 8.3 million recipients under the four categories,” said Finance Minister Tengku Datuk Seri Zafrul Tengku Abdul Aziz. In total, RM9.24 billion has been allocated for the whole BPN assistance.

Tengku Datuk Seri Zafrul attributed this
expedited payout
 to the cooperation between all parties involved, particularly LHDN and Bank Simpanan Nasional (BSN). He also warned the public of scammers who may take advantage of the current situation, telling them to rely only on official sources and to be careful when sharing their details.

(Image: Malay Mail)

The one-off
BPN financial aid
 was announced as part of the Perikatan Nasional’s
Prihatin Economic Stimulus Package
, and is intended to help Malaysians affected by the Covid-19 pandemic and MCO.

In general, you won’t have to make any applications for the BPN aid if you are already a recipient of the BSH financial assistance or a registered taxpayer with LHDN. If you’re not registered with either, however, you have until 30 April 2020 to
make a new application
 or online appeals on the
official LHDN website
. You will receive your payment in one go during the month of May upon approval.

LHDN has also announced that bankrupt or blacklisted individuals will be able to make applications for the BPN aid starting from today.

(Source:
New Straits Times
,
The Star
)

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TAGS:

B40

Bank Simpanan Nasional

Bantuan Prihatin Nasional

Bantuan Sara Hidup

BSH

BSN

Covid-19

Economic Stimulus Package

Lembaga Hasil Dalam Negeri

LHDN

M40

Pakej Rangsangan Ekonomi Prihatin Rakyat

Perikatan Nasional

PRIHATIN Economic Stimulus Package

Tengku Datuk Seri Zafrul Tengku Abdul Aziz

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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    Shoba a/p Krishnan

    3 years ago

I need to change my account number…but i cant and no one answer cl also from lhdn.

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    Lee jin fui

    2 years ago

saya nak mohon bpr bantuan dari kerajaan. macam mana cara mohon?

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