You Can Now Buy Netflix Gift Cards At 7-Eleven

(Image: SAYS)

Netflix has introduced physical gift cards in Malaysia, adding another payment method for customers to choose from besides billing credit or debit cards monthly. This new option would be useful for those who prefer paying for their subscriptions with cash, as well as those who are racking their brains for birthday present ideas.

Currently, the Netflix gift cards can be purchased at 7-Eleven outlets in Malaysia. They are only available in two denominations, RM50 and RM100, and can be used by both new and existing Netflix subscribers. For Malaysia, Netflix has
three monthly subscription tiers
: Basic (RM33), Standard (RM42), and Premium (RM51).

According to Netflix Southeast Asia Communications Head Leigh Wong, offering customers another way to pay for their memberships puts the power of choice and control in their hands. “Introducing gift cards in Malaysia is all about putting consumers first,” he said.

To redeem your gift card, simply scratch the foil off the back of your card to reveal the 11-digit PIN code. This code can be used at the Netflix redemption page or your existing account page. The credit will be added to your account and your next payment will be taken from the gift card balance. You can redeem more than one gift card per account.

For more information on Netflix gift cards in Malaysia, you can visit
Netflix’s support site
.

(Source:
The Star
)

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Accidental inventions that brought in the cash

Not all

inventions were made because it was inspired by a vision or an idea. Some

inventions were actually accidentally stumbled upon and are earning big bucks for their accidental inventors.

Botox

The Botox industry

is worth up to £18 million

or RM92 million a year and is one of the most popular treatments women seek. In fact, it is so popular that researchers

discovered that women are using so much of it that their bodies are
starting to develop antibodies
 making the Botox treatment less effective.

Botox was discovered

by the Carruthers couple in 1987. Originally, small

doses of deadly toxins were
used to treat ‘crossed eye’ eyelid spasms
 and eye-muscle

disorder. During the process, they discovered that it had an interesting

side-effect: wrinkles magically disappeared or became less obvious.

Anesthesia

Ever heard of

laughing gas? Nitrous Oxide or more commonly known as laughing gas was formerly

used for parties since it induced good feelings and made everyone laugh – a lot.

Horace Wells, a

dentist brought it to a party and his friend who took too much of the gas,

gashed his leg but did not even notice it. That

was when Mr. Wells discovered the laughing
gas might have some other use
 to it

and thus became an early form of anesthesia.

The anesthetic

industry is believed to be worth
over USD23 billion and growing
 at 4% per year.

Ever discovered something odd and new? Try marketing it. You never know what will make you money.
Here are more accidental inventions.

*Picture courtesy of
Science.kukuchew.com

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Matthias Sim

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Finance Minister: Budget 2021 To Focus On Revitalising Economy

(Image: Malay Mail/Miera Zulyana)

Finance Minister Tengku Datuk Seri Zafrul Tengku Abdul Aziz said Budget 2021 will focus on revitalising the economy and protecting lives and livelihood, building on the current recovery momentum. According to Tengku Zafrul, the national budget is a timely opportunity for the government to consider and adopt more sustainable ways to grow the economy and build the country’s resilience.

“The pandemic remains a threat to our socio-economic recovery, development and future growth,” the finance minister said during his keynote address at the Malaysian Economic Summit 2020. “Moving forward, Malaysia will play to its strength and just as how digitalisation has been accelerated by the Covid-19 lockdowns, we will take this opportunity to move up the value chain.”

Tengku Zafrul further said that his ministry will be taking advantage of Malaysia’s strategic geographical location, prudent management of resources, excellent infrastructure, and leading reputation in key sectors, including Islamic finance and the halal economy.

(Image: Sinar Harian)

“Budget 2021 will underline a combination of business-friendly policies, prudent fiscal management, and effective transformation tools to build the nation’s resilience against future economic shocks. This will put Malaysia in a better position to ride on the growth trajectory ahead,” Tengku Zafrul added.

The finance minister also said that the government’s focus is clear on continuing to support businesses, including small and medium enterprises and mid-tier companies in pandemic-impacted sectors. This is to ensure a stable and conducive environment for investments.

“We will also play our role in upgrading the gig economy, which is fast becoming an integral part of the nation’s growth, and to transform the traditional sectors, as well as to streamline the supply and demand in the job market,” Tengku Zafrul concluded.

(Source:
The Star
)

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Grab Introduces Carbon Offset Feature With 10 Sen Contribution Per Ride

Grab has introduced a voluntary Carbon Neutral Fee of 10 sen per ride, offering users the option to help neutralise their carbon emissions while using the e-hailing service. The fee will be contributed to a tree-planting project based in Perak.

“The rides we take emit carbon dioxide and other greenhouse gases, which contribute to climate change,” said Grab. “Planting trees will help to absorb more of these gases from your rides, reducing your carbon footprint. By contributing to our tree-planting partners, you’re doing your part to make a difference.”

Grab’s tree-planting partner, the Tropical Rainforest Conservation and Research Centre, has planted over 31,000 rainforest tree seedlings that help with the absorption of greenhouse gases in Malaysia. Grab is also collaborating with EcoMatcher, which offers a digital blockchain-based platform used by companies worldwide to facilitate tree-planting efforts. EcoMatcher allows you to virtually travel to every tree and learn more about the tree and the tree’s farmer.

According to Grab, the calculations involving carbon emissions and converting them into trees are based on standards and guidelines from the United Kingdom Defra or DECC for 2020 and the Greenhouse Gas Protocol, with country-specific factors applied where possible. The formula for the process of long-term removal of carbon dioxide from the atmosphere can be found on the
EcoMatcher
website.

Grab has also shared more on its other efforts to reduce greenhouse gas emissions and be more environmentally friendly. “To address the climate crisis before us, we have a two-pronged strategy. We are committed to reducing the emissions in our operations in the long run. Since 2016, we have invested more than US$200 million into electric and hybrid vehicles in Southeast Asia. We are also tapping on AI to efficiently group orders for food delivery in a single trip,” the super app said.

As the Carbon Neutral Fee is voluntary, you can opt in or opt out of the initiative at any time. Just go to your Account in the Grab app, select Support the Environment, and turn the toggle off or on. You can also pay the Carbon Neutral Fee as an add-on for each ride instead of opting into the programme.

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    Ahmad Fahmi bin amat sahri

    1 year ago

This effort is good. But it is lack of transparency. How much cent goes to the tree. How much goes to pay the tree company salary

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Grab Launches First GrabKitchen In Malaysia, Allows Several Orders With One Delivery Fee

GrabFood customers looking to add some variety to their daily meals, or who are catering to multiple tastebuds in a group, can now order food from several selected restaurants while paying only one delivery fee. This comes following the opening of Grab’s first cloud kitchen – dubbed GrabKitchen – in Hartamas.

Essentially, GrabKitchen operates like a “co-working space” for several participating restaurants, where they gather under one roof to cook. Customers will then be able to “mix and match” orders from these restaurants and pay only a single delivery fee, as opposed to multiple delivery fees previously charged for orders from restaurants at different locations. At present, Malaysia’s first GrabKitchen houses 11 brands, including Kenny Rogers Roasters, Salad Atelier, Tasty Chapathi, myBurgerLab, and Lim Fried Chicken.

This “mix-and-match” method isn’t exactly new to Grab, though. Prior to GrabKitchen, Grab had already been applying it to several other features and initiatives, such as
Food Courts
,
Pasar
, and
e-Kitchen Bazar
. The concept of GrabKitchen, too, had already been tried and tested throughout Southeast Asia, with 55 cloud kitchens in the region. The first GrabKitchen was introduced in Jakarta in 2018.

Grab went on to explain that GrabKitchen is one of its continuous efforts to support participating businesses, allowing them to grow and expand more efficiently with lower capital costs. “Not only is the GrabKitchen concept a unique and cost-efficient model for F&B operators, but they will also have ready access to our merchant support tools, strong delivery network, and wide customer base,” said the managing director of Grab Malaysia, Sean Goh.

(Image: The Malaysian Reserve)

Grab also reassured that its GrabKitchen will abide by all necessary health and safety protocols, such as requiring merchants and delivery partners to scan their MySejahtera app upon entering, having their temperatures checked, and always having their masks on. Additionally, the GrabKitchen is cleaned and sanitised daily.

If you’re ready to give GrabKitchen a try, look for the Mix & Match tile under GrabFood. You can also opt to pick up your orders yourself to fully waive the delivery fee.

(Source:
Grab
)

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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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Pacific & Orient Insurance Launches Online Game, Promotes “Drive Less Pay Less” Message

Pacific & Orient Insurance Co Bhd (POI) has launched a new interactive online game called “Shortcut by PrOmilej”. It is aimed at promoting the “drive less pay less” message among consumers.

Players can win prizes worth up to RM88,000 by playing the PrOmilej Shortcut game, which is won by finding the shortest route in the shortest amount of time. This includes the grand prize of a brand-new Proton X50 and a weekly prize of a Samsung Galaxy A32.

POI is the provider of the country’s first pay-less-when-you-drive motor insurance plan. In a statement, POI said that it wants to create awareness of its PrOmilej plan, which strays away from the usual one-size-fits-all motor insurance type and instead offers premiums based on expected annual mileage.

PrOmilej comes in three options (less than 5,000km, 10,00km, and 15,000km) with corresponding savings of as high as 40% on comprehensive car insurance premiums. It also allows customers to “top-up” the mileage for additional premiums if they have underestimated how much they need.

According to POI CEO Noor Muzir Mohamed Kassim, the flexible nature of the product is a highlight especially given the implementation of the movement control order (MCO) in Malaysia, which saw a reduction in vehicle usage due to movement restrictions and work-from-home norms.

The campaign for the PrOmilej Shortcut game will run until 11 July. Head on over to the
POI website
 to find out more.

(Source:
The Edge Markets
)

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Stay Safe And Save With Setel

These days, we’re fortunate to be surrounded by various technological solutions that help us carry out our daily activities quickly, easily, and seamlessly. When it comes to pumping petrol, Setel is one such solution that makes our lives easier.

Setel is a mobile app that allows you to make payment, activate the fuel pump, and even earn Mesra points without leaving the comfort of your car – all while giving you more bang for your buck. Find out more about how using Setel helps you to save money and keep safe in the infographic below.

As you can see, Setel is more than just another e-wallet. It’s an app that helps make your refuelling process quicker and more seamless from start to finish, and helps you maximise your savings at the same time! And don’t worry, Setel is completely safe to use as long as you are inside your car.

Setel is now available at over 740 PETRONAS stations nationwide, so go ahead and
download the Setel app on Google Play or the App Store now
. Remember to use the code
 c-rplus5
exclusively for RinggitPlus readers to receive RM5 off upon registration!

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EPF’s Enhanced i-Invest Facility Allows Easier Access To Funds, Screens Members’ Risk Tolerance

(Image: Majalah Labur)

The Employees Provident Fund (EPF) has upgraded its i-Invest facility with enhanced features so that members can enjoy easier access to more fund options, as well as better efficiency when investing.

Chief of all, the upgraded facility will now allow EPF members to purchase up to eight unit trust funds from a maximum of five fund management institutions (FMIs) in a single transaction. Prior to this, members were limited to a purchase of multiple unit trust funds from only one FMI in a single transaction.

Note, though, that those who wish to tap into this enhanced feature must carry out these transactions specifically through
appointed institutional unit trust scheme advisors (IUTAs)
 that offer funds from various FMIs; it is not supported via other purchase channels. Meanwhile, members who wish to purchase funds from individual FMIs may continue to do so.

Aside from that, the EPF has also equipped the i-Invest facility with an investment suitability assessment. All i-Invest users are now required to go through an assessment prior to performing any transactions, which will then evaluate their risk tolerances. The evaluation will, in turn, assist members in making informed investment choices that correspond to their risk appetites.

The i-Invest facility was
first launched back in August 2019
, and sought to allow members to invest their EPF savings into unit trust funds from approved FMIs, directly from their EPF i-Akaun portal. They are also able to monitor their investments at their own convenience, compare the various funds that are on offer, as well as assess required statutory information and historical performance data.

(Source:
EPF
)

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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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EPF: Members To Apply For Special Withdrawal Facility Through Pengeluaran Khas Portal

(Image: The Edge Markets)

The Employees Provident Fund (EPF) has shared that members who wish to apply for the special RM10,000 withdrawal facility will be able to do so through the Pengeluaran Khas portal.

The
dedicated portal
 – which is
set go live on 1 April 2022
 when applications open – will also be made accessible through the i-Akaun mobile app for the convenience of its members.

Aside from that, the EPF also revealed that the withdrawals are subject to members’ minimum account balance; you must have at least RM150 in your EPF savings (Akaun 1 and 2 combined) in order to apply for a withdrawal. Funds will be drawn first from your Akaun 2, and if it is insufficient, then you can access your Akaun 1 savings. Like the previous Covid-related withdrawal facilities allowed by the EPF, you are also required to leave at least RM100 in your Akaun 1 balance after the withdrawal.

Note as well that you will not be allowed to cancel your application or amend the withdrawal amount once you have made a submission. Additionally, your funds will be disbursed in a single payment, as opposed to the staggered payment approach adopted for previous withdrawal facilities (for instance, the funds paid out for
i-Sinar was staggered over a period of six months
). The EPF also clarified that it will prioritise the payment of the special withdrawal over other withdrawals.

Members who apply for the special withdrawal can check their application status starting from 9 April 2022 via the
Pengeluaran Khas portal
. Before you apply, though, make sure to
check on several key details  in advance
 for a smooth application process, including ensuring that your current mobile number is registered with the EPF.

Announced in mid-March 2022, the
special RM10,000 withdrawal facility
 is intended as a form of assistance for individuals who are still struggling with their finances due to the Covid-19 pandemic. It is open to members who are aged below 55 years old (inclusive of citizens, non-citizens, and permanent residents), allowing them to withdraw between a minimum of RM50 to a maximum of RM10,000.

(Sources:
EPF
,
The Star
)

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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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Budget 2023: Income Tax Rates To Be Amended, Aimed To Benefit M40

(Image: New Straits Times)

Prime Minister and Finance Minister Datuk Seri Anwar Ibrahim has proposed some changes to the income tax rates under the new Budget 2023. Designed to increase the disposable income for the M40 group, this proposed amendment will see reduced tax rates of 2% while increasing the upper income levels by 0.5%.

As an update to the
previous Budget’s proposal last year
, this new proposal looks to expand the tax rate to cover a wider income bracket, now including the RM35,001 to RM50,000 bracket. The table below summarises the proposed changes:

Chargeable income (RM)
Current income tax rate
New income tax rate
35,001 – 50,000
8%
6%
50,001 – 70,000
13%
11%
70,001 – 100,000
21%
19%

This proposal will effectively increase the disposable income of the M40 group in Malaysia, which has often been disregarded as the focus tends to be on the B40 and hardcore poor communities who are more exposed to financial shocks. However, with the M40 group hit extremely hard in the past few years with the pandemic as well as higher cost of living, this proposed amendment will result in additional disposable income of up to RM1,300 this year. A total of 2.4 million taxpayers are expected to benefit from this amendment.

In addition, the income tax rate for the T20 Malaysians will be increased by 0.5% to 2% depending on income brackets, to make up for the reduction in the lower income groups. No specifics were shared at the moment, with the Prime Minister only stating that the changes will affect those with chargeable incomes from RM100,000 to RM1,000,000, which are currently taxed at rates from 24% to 26%.

This change is expected to affect some 150,000 Malaysians. Nevertheless, given that Malaysia’s employs a progressive income tax system, those who earn above RM100,000 will still get the reduced tax rates for the RM35,001 to RM100,000 brackets.

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Pang Tun Yau

Pang Tun Yau

A seasoned tech journalist who now focuses on his other passion, Pang is a firm believer in old-school DCA and optimised spending.

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    Anonymous

    6 months ago

So, the tax rate change is effective for this upcoming 2022 assessment year?

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    Pang Tun Yau

    6 months ago

    Reply to

        Anonymous

no it’s for YA 2023 – if it is passed in Dewan Rakyat & Dewan Negara.

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    Anonymous

    6 months ago

the rate in MyTax still remain unchange for M40 category ?

when it will be update ?

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    Pang Tun Yau

    6 months ago

    Reply to

        Anonymous

The new tax rates will only be in effect from YA 2023.

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LHDN: Direct Access To Taxpayers’ Bank Accounts Only Permitted Through Court Orders

The Inland Revenue Board (LHDN) has come forward to clarify matters regarding the implementation of the new Section 106A under the Income Tax Act 1967, which will enable it to gain direct access to taxpayers’ bank account information. Specifically, the board reassured that this power can only be enforced for cases involving garnishee orders allowed by the court.

LHDN went on to explain that garnishee proceedings are the process of enforcing a monetary judgment by seizing or withholding debts due to a specific party. In this case, LHDN has the right to do so because of the existence of unpaid tax arrears by the taxpayer.

“The introduction of this new provision will help LHDN administer the country’s direct tax system more effectively by minimising tax leakages due to the taxpayers’ failure to settle existing tax debts, besides increasing voluntary tax compliance among taxpayers. It has to go through a prescribed judicial process, and is limited to cases that have already gone through civil proceedings first,” LHDN further clarified in a statement, adding that Section 106A does not give it absolute power to simply access taxpayers’ bank account information.

(Image: The Malaysian Reserve/Arif Kartono)

LHDN also took the opportunity to emphasise that responsible taxpayers who carry out their obligations on time will not be affected by the new section. “As such, the public does not need to be worried about the new amendment of the Income Tax Act 1967,” it said.

For context, the government had introduced several amendments to the Income Tax Act 1967 following the tabling of the Finance Bill 2021 last week – one of which is the
addition of Section 106A
. With this update, the director-general of LHDN will have the right to bypass taxpayers when requesting for their bank account details for reviews or investigations. Banks, too, are not required to inform taxpayers of such requests from LHDN.

Understandably, this subject raised substantial concern among Malaysians, but leading financial service provider
Deloitte Malaysia
 had also previously shared its thoughts to allay public fears. Similar to LHDN’s latest statement, it reassured the people that Section 106A will only come into play if a garnishee order application is made in court.

(Sources:
LHDN
,
The Edge Markets
)

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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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Red Box Maybankard Sing Out Loud RM68000 Prize Draw

Join The Karaoke Party And Win with your Credit Card

After a hard day at the office nothing is better than getting together with your friends for Karaoke, belt out few songs and relieve some of that stress. If it’s your turn to pay during December, get out your
Maybankard
 credit card and you could be in to win some awesome prizes.

Red Box
, Green Box and Carlsberg have clubbed together with Maybank to offer their Crazy Lucky Prize Draw with prizes worth over RM68,000. All you have to do to enter is have a night out at one of the participating KTVs (and pay the bill with your credit card).

Every RM200 spent at Red Box and Green Box gets you into the draw. If you pay with your Maybankard, your entered twice.

What could you win? The prizes aren’t bad at all: 4 x iPhone 5; 4 x Samsung Note II; 5 x Tondonco watches; Glassware, Crystalware, Perfume; and for the real party animals amongst you, they’re even giving away 10 Vacuum Cleaners.

Terms and Conditions Apply.

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HSBC To Extend Charity Proposition Feature To All Credit Cards Starting 1 October

HSBC Bank has announced that it is extending the charity proposition feature – which is currently exclusive only to HSBC Amanah credit cards – to all its credit cards.

“We are pleased to announce that we will be adding a new charity proposition feature for HSBC Bank credit cards effective 1 October 2021. Previously, the charity proposition was launched on 14 December 2020 for HSBC Amanah credit cards. Now, this proposition will be extended to all HSBC credit cards on the effective date,” the bank shared in its announcement.

This latest update will affect four conventional credit cards in particular, namely:

HSBC Premier Travel credit card
HSBC Premier World Mastercard credit card
HSBC Visa Signature credit card
HBSC Platinum credit card (both Visa and Mastercard)

The introduction of this feature will see HSBC contributing a 1% equivalent of your donation amount to a selected charity organisation whenever you carry out any eligible charity spend on these four cards. The bank’s contribution is limited to a maximum of RM500,000 per year, with the capping to be shared among HSBC and HSBC Amanah’s participating credit card/-i programmes.

(Image: The Malaysian Reserve)

HSBC’s donations will be performed on a quarterly basis to the selected charity organisations, and the amount of the donations will be equally divided between them. At present, the bank has identified
four charity organisations
 as the recipients of this feature – although the list may be updated in the future:

Global Environment Centre (GEC)
Yayasan Chow Kit
Pintar Foundation
Pertiwi Soup Kitchen

HSBC also clarified that each charity organisation is only allowed to receive charity donations of up to a maximum annual limit of 15% of its gross annual income. The bank further stated that it will provide an annual update on its website to indicate the total amount that has been donated.

As for the existing benefits of each individual HSBC credit card, all of them will remain unchanged; cardholders will be able to tap into the usual perks like normal. Here’s a summary of the benefits of each card, provided by HSBC:

To clarify, the three HSBC Amanah credit cards that currently possess this charity proposition feature are the HSBC Amanah Premier World Mastercard credit card-i, HSBC Amanah MPower Platinum credit card-i, and HSBC Amanah MPower credit card-i.

(Source:
HSBC
)

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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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Google Play Store Allows Payments Via Touch ‘n Go eWallet

Touch ‘n Go eWallet users will now be able to pay for their purchases on Google Play Store using the eWallet. This is following the mobile platform’s update to its accepted payment methods, where Touch ‘n Go eWallet is currently listed as its sole e-wallet payment option.

“You can use Touch ‘n Go eWallet to buy apps and digital content on Google Play. You need a registered Touch ‘n Go eWallet account with enough balance to use this service on Google Play,” noted Google Play on its support page.

To tap into this new service, you will need to first activate your Touch ‘n Go eWallet as a payment option. You can do so by following these few steps:

Select “Payment methods” in the Google Play drop-down menu.

Tap on “Add Touch ‘n Go eWallet”, and then “Continue”.

Key in your phone number and 6-digit PIN.

Agree to the terms and conditions, and then authorise the process.

Enter the OTP sent to your mobile number.

Once done, you’re good to go! In fact, if you’re ready to make your first Google Play Store purchase soon, you can consider tapping into an
ongoing cashback campaign by Touch ‘n Go
 – slated to end on 30 April 2021. The promotion allows Touch ‘n Go eWallet users who make their first ever Google Play payment to receive full cashback on their purchases, capped at RM5. Note, though, that this promotion is offered on a first-come first-served basis, limited to the first 90,000 customers.

Aside from Touch ‘n Go eWallet, you can also pay for your Google Play purchases via credit and debit cards, mobile phone billing, as well as Google Play balance and gift cards. Meanwhile, unsupported payment methods include wire transfers, bank transfers, and Western Union transactions.

In addition to Google Play, Touch ‘n Go eWallet has also made its payment services available on the
App Store, Apple Music, and iTunes Store since 2019
.

(Source:
Amanz
)

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Stand To Win The iPad Pro Or JBL Charge 5 When You Sign Up For A Credit Card

Are you ready to take home some exciting gifts on Unbox This Week?

For those who are new, the Unbox This Week Campaign is a weekly campaign where we present the best deals from our featured bank partners. All you have to do is apply for selected credit cards from these banks through RinggitPlus and you’ll receive exclusively selected gifts!

For this week (15 August – 22 August 2022), our featured bank partners include
Citibank, HSBC, Standard Chartered Bank, Alliance Bank, and Public Bank
 – if you have considered applying for any of these banks, check out our latest deal below!

Citibank – Apple iPad Pro

Enjoy the ultimate iPad experience with the iPad Pro! Supercharged with the M1 chip, you’ll be spoiled with an XDR display, Ultra Wide Camera with Centre Stage, and Wi-Fi 6 capabilities. Boost your productivity, explore your creativity, or watch your favourite series in bed with a device that’s unlike any other.

If you’re not one of the 10 lucky winners of the iPad Pro, fret not because you’ll be taking home another Apple product, the Apple Airpods with charging case.

To be eligible, applicants must apply for a Citibank credit card, get approved, and spend a minimum of 8 retail transactions on their new card within 60 days upon gaining approval.

However, note that current cardmembers and individuals who cancelled their Citibank credit cards within a year before this campaign do not qualify for this promotion. Otherwise,
apply for a Citi credit card here.

HSBC – Sony LinkBuds S

Take your favourite music along with you wherever you go with the ultra small and lightweight Sony LinkBuds S! These earbuds are a guaranteed gift and can automatically shift between high-quality noise cancellation and optimised ambient sound for distraction-free listening.

Remember that current cardholders and applicants who were denied or have cancelled their HSBC credit cards within 6 months before this campaign are not eligible to participate. Otherwise, you can
apply for your HSBC credit card here.

Standard Chartered Bank – RM200 Shopee e-Voucher or URBANlite Trapez 24” Luggage

Would now be the perfect time to finally check out that item in your Shopee cart? With a RM200 Shopee e-Voucher, it just might be!

If you’re constantly travelling between home and other destinations, perhaps a new 24” 8-Wheel Spinner Hard Case Luggage by URBANlite is the better choice. This way, all your prized possessions will be kept secure wherever you go. Choose between these two rewards when you sign up for a Standard Chartered Credit Card.

Applicants are still required to activate their card within 30 days upon approval to be eligible for this prize.

Lastly, be aware that existing cardholders and individuals who have held a Standard Chartered credit card in the past 6 months are not eligible for this campaign. If you qualify, then you can
apply for your new Standard Chartered credit card here
.

Alliance Bank – JBL Live Free NC+ Earbuds or JBL Tune 710BT Headphones

If you’ve always wanted to try out JBL products, now might be your best opportunity. Worth RM799, get the guaranteed JBL Live Free NC+ Earbuds complete with Active Noise Cancellation so you can fully immerse yourself in your favourite tracks without all the background noise. On the other hand, with the JBL Tune 710BT Headphones, you’ll enjoy true bass sounds and up to 50 hours of playback.

Those who apply for a new Alliance Credit Card with Bank Transfer will receive the JBL Live Free NC+ Earbuds while others will get the Tune 710BT Headphones. Apply, get approved, and activate your new Alliance Credit Card, with or without the 0% p.a. Balance Transfer, to take home either one of these products. Just make sure to activate your Alliance Credit Card upon approval to be eligible.

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 –
JBL Charge 5 Portable Speakers

With so many social events happening each week, you may greatly benefit from winning an ultra-cool portable speaker. The JBL Charge 5 is a portable waterproof and dustproof speaker capable of delivering rich and clear audio, even when you’re outdoors. Packed with 20 hours of playtime, you can take it to the poolside, on camping trips, or just have it keep you company when you’re completing your daily chores.

Those that don’t take home the JBL Charge 5 will be rewarded with a guaranteed JBL Wave 100TWS True Wireless In-Ear Headphones, that also offers 20 hours or playback, as well as the signature JBL Deep Bass Sound and dual connectivity.

To score the JBL Charge 5 or JBL Wave 100TWS, you must apply, get approved, and activate your Ambank credit card within 30 days of approval to be eligible for this prize.

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, just as a reminder, 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 if you need us.

While this week’s flash deal ends on 22 August 2022 (11am), you can also 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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Nurture In Nature at LBS SkyLake Residence’s Wellness-Focused Serviced Apartments

When it comes to our well-being, our homes play an important part in making us feel safe, secure, and happy, as we have the freedom to be our true selves. A home is where we get to rest from the day’s responsibilities, be surrounded by loved ones, and re-energise for what’s to come.

For some, being close to nature is an integral part of their well-being. This includes breathing in the fresh air, going for long walks, and being able to see greenery at home, such as our beloved indoor plants. With this in mind, LBS Bina Group Berhad developed LBS SkyLake Residence; serviced
ready-to-move-in
apartments that primarily focus on the wellness of its residents, from its location to its wide range of facilities and amenities.

Located in Puchong, a family-oriented and mature township that has a multitude of amenities, such as educational institutions, shopping malls, and healthcare facilities. Combined with LBS SkyLake Residence, residents will get to enjoy a balance of modern wellness and an urban lifestyle.

Imagine taking a swim, a walk, and relaxing right at home. With close-by amenities, over 70 facilities, spacious layouts, and a 1,000-acre lake just outside your doorstep,
ready-to-move-in
units at LBS SkyLake Residence could be the home that’s right for you, your loved ones, and your well-being.
Check out the units online on their website
, and
register your interest
 today!

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Bank Islam Launches Limited Edition Visa FIFA-Themed Credit Card-i

Bank Islam has launched a new limited edition credit card in conjunction with the upcoming FIFA World Cup 2022. Offering cardholders a chance to win a once-in-a-lifetime experience to catch a live FIFA World Cup match, the Bank Islam Limited Edition Visa FIFA-Themed Credit Card-i is limited only to 10,000 units.

In line with the spirit of the world’s biggest sporting event, the Bank Islam Visa FIFA-Themed Credit Card-i has a classy card face featuring the iconic FIFA World Cup trophy. Cardholders can earn entries to win the grand prize of an all-expenses paid trip to travel to Qatar and watch a live FIFA World Cup match, courtesy of Visa. In addition to the match tickets, winners also enjoy round-trip flight tickets for two, hospitality, and a cash prize of RM10,000.

Besides that, there are also monthly consolation prizes consisting of limited-edition FIFA World Cup 2022 merchandise, cashback, and sports vouchers.

Cardholders can earn entries to win by applying and activating the card, and earn more entries by spending a minimum of RM200 in a single receipt with the card during the campaign period, which runs from 15 June until 30 September 2022.

Finally, cardholders also earn 1 TruPoint for every RM1 spent, free takaful coverage for outstanding balances, and an annual fee waiver with a minimum of 12 transactions per year.

“The Limited-Edition Visa FIFA-Themed Credit Card-i is a lifestyle card that offers various benefits specially curated for card members, from shopping to travels, culinary and entertainment, offering cardmembers a unique and valuable banking experience. Developed with football fans in mind, especially the young and newly employed, Bank Islam targets to acquire 10,000 new Limited-Edition Visa FIFA-Themed Credit Card-i cardmembers,” said Mizan Masram, the Group Chief Business Officer of Bank Islam.

“As the Official Payments Services Partner for FIFA World Cup Qatar 2022, we are pleased to partner with Bank Islam to create this FIFA-themed limited credit card and reward our cardmembers with an amazing experience to watch this global sporting event through the campaign. We hope that Malaysians will make use of this wonderful opportunity by applying for this card and stand a chance to win tickets to watch a live World Cup match in Qatar and attractive FIFA-related merchandise,” said Ng Kong Boon, the Visa Country Manager for Malaysia.

The Bank Islam Visa FIFA-Themed Credit Card-i is now open for applications starting today at all Bank Islam branches. For more information about the card and the campaign, visit the
official campaign page here
.

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A seasoned tech journalist who now focuses on his other passion, Pang is a firm believer in old-school DCA and optimised spending.

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GrabUnlimited To End 1 Sen Promo Rate From September 2022, Enable More Payment Methods For Redemptions

Grab has announced some updates to its GrabUnlimited plan, one of which is the end of the 1 sen per month promo price come September 2022. Aside from that, GrabUnlimited subscribers will also be allowed to redeem all promotions and vouchers in the plan using more cashless payments – including credit and debit cards – starting from next month.

At present, existing GrabUnlimited subscribers are able to enjoy the perks of the plan at only 1 sen per month. The promo was made available when GrabUnlimited was
first launched at the end of 2021
, and was supposed to
end in March 2022
. However, Grab eventually offered a special extension to the promo price, which lasted until today.

With this latest announcement, it seems that the bargain offer has finally come to an end. When subscribers renew their plans in September 2022 (for their October subscription), they will need to pay RM4.90 for the plan instead. Even with this higher fee, however, GrabUnlimited continues to
offer quite a bit of savings
, especially the exclusive GrabFood and GrabMart discount vouchers provided each month.

Meanwhile, first-time subscribers will still be charged 1 sen for their first two months of subscription, and subsequent renewal will be at the price of RM4.90/month.

Aside from announcing the end of the promo price, Grab also revealed that all promotions and vouchers in GrabUnlimited can be redeemed with additional cashless payment methods starting from September. In addition to GrabPay and PayLater by Grab (currently the only payment methods that are accepted for the redemption of GrabUnlimited promotions and vouchers), users can now also use debit and credit card alongside GrabUnlimited vouchers. The expansion of these payment methods will certainly make the rewards redemption process more convenient for GrabUnlimited subscribers.

These updates come at the heels of a recent upgrade to GrabUnlimited in July 2022, which saw the plan expanding beyond just monthly promotions and vouchers for GrabFood, GrabMart, and Grab Ride. It has now also
integrated GrabRewards as part of its benefits
, and also offers a
boosted rate of return at 1.5%
 as well as better redemption rates when you redeem rewards.

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BNM: Essential Financial Services Including ATMs To Remain Accessible To All

Bank Negara Malaysia (BNM) has assured the Malaysian public that essential financial services will remain accessible to all during the movement control order. The central bank published an FAQ where it covered
frequently asked questions
 regarding access to the nation’s essential financial services up until 31 March 2020.

Self-service terminals such as ATMs as well as cash, cheque, and coin deposit machines will be fully operational in accessible locations, although the daily operating hours are now restricted from 7a.m. to 10p.m.. Banking counter services are available, but on a very limited basis, so those who require them are advised to check the bank’s website or call the customer service hotline to find out which branches are open.

Online and mobile banking channels remain fully operational during this period, so customers are strongly encouraged to use electronic options instead of making unnecessary trips to bank branches. Those who do not have an online banking account should note that withdrawals, deposits, fund transfers, and bill payments can all be made at self-service terminals like ATMs and cash deposit machines.

Payment card services and cheque processing services are also fully operational, as well as money changing and remittance services at selected bank branches. Non-bank money changers and remittance service providers are not allowed to offer counter services at this time, but
some providers
 have online services which are in full operation.

Meanwhile, services related to the processing and handling of insurance and takaful claims, issuance of guarantee letters, and annual renewal of insurance and takaful policies will also remain available to the public.

BNM has also reminded those who are facing financial difficulties during this period that all banks and development financial institutions stand ready to provide
restructuring and rescheduling facilities
 if necessary.

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World Bank: Putrajaya Should Spend More To Help The Poor

(Image: Reuters)

The World Bank has said that the Malaysian government needs to give continued financial support to the poor, as it predicts that the Covid-19 pandemic will drag recovery. It also suggested that Putrajaya raise its statutory debt limit to spend more to help the vulnerable.

The bank explained that the recent runaway resurgence of Covid-19 cases and a slower-than-expected rollout of vaccines will likely hinder the country’s economic rebound. “The continuous cycle of ‘on-and-off’ closures and reopenings will have negative spillovers on the economy,” said the World Bank in its Economic Monitor (Malaysia) June edition report.

“In addition, the number of vulnerable households is likely to increase. A slower-than-expected rollout of the vaccination programme or further increases in case numbers and death rates would further exacerbate this situation,” the bank continued.

As such, the bank said, it is necessary to create additional fiscal space to strengthen the health system and provide additional financial support for the vulnerable groups. “Given this, it may be necessary to revisit the debt limit soon,” the World Bank said. “In the current context, fiscal policy should prioritise the welfare of the people over medium-term fiscal consolidation.”

Prime Minister Tan Sri Muhyiddin Yassin had unveiled over RM350 billion in relief and stimulus packages to date, but only RM75 billion of this aid was in the form of direct fiscal injection. Economists and businesses have said that this is inadequate to keep the economy from tanking and pushing low-income families into destitution.

The World Bank expects Malaysia to register a slower growth of 4.5% in 2021, 1.5% lower than the bank’s initial forecast. It said that the revision reflected the slower pathway towards the suppression of the pandemic and the progress of the vaccination programme.

“The current slow pace of Malaysia’s vaccine rollout and any further delay could also affect a more certain reopening of the economy and the ongoing domestic political uncertainty could continue to hinder the progress of the recovery effort in the near term,” the bank predicted.

(Source:
Malay Mail
)

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Cigarettes Are Expensive: Here's How to Quit Without Vaping

We know very few smokers who never intend to quit. With the popularity of e-cigarettes and vaporisers, plenty of people who found it difficult to stop smoking have used them to slowly wean themselves off of the habit. However, with the
recent crackdown on vaporisers and e-cigarettes across the country
, their progress may have been negatively impacted.

Furthermore, with the cheapest legal cigarettes costing as much as RM15.50 a pack, even those who don’t seek to quit might be scrambling to look for other ways to get their smoke fix.

Luckily, vapes and e-cigs aren’t the only cigarette substitutes smokers can turn to when trying to kick the unhealthy pastime. While there are many other ways to quit smoking, we’ll focus specifically on alternative tobacco products that can be used as effective tools in managing the habit while controlling nicotine intake at the same time.

Chewing Tobacco

A smokeless tobacco product, you can get these from specialty stores or via locally headquartered online retailers. It’s essentially sweetened tobacco leaves packed in tins and meant to be placed between the cheek and gums or lips for chewing. Chewing releases the nicotine and the accumulated juices are spat out.

Good
 : You can get a nicotine hit without smoking up the place. Your throat and lungs aren’t hurt by any nastiness and it helps simulate the oral fixation that some smokers have, replacing the need to breathe smoke with chewing tobacco in the mouth.

Bad
 : Because it’s still tobacco, the health risks are still the same minus the damage to the throat and lungs. Also, chewing does not look sexy. Occasional spitting is unavoidable and it’s use in public spaces is extremely unfashionable.

Price*
: RM30 a packet, with each packet lasting for 2 weeks

Using it to Quit
 : Tobacco snuff as it is also known, can be mixed with a product called
Mint Snuff
, which is just like chewing tobacco, but made with harmless mint leaves. Gradually changing the ratio of this mix can help users wean themselves off of tobacco safely. Alternatively, users can stop smoking cigarettes altogether and progressively chew less and less until the habit is gone.

Smoking Pipe

Not merely a prop for TV detectives, a smoking pipe can actually be a useful tool in managing tobacco consumption. Once you have a pipe and some pipe tools, all you need to buy afterwards is just the tobacco. Plus, you get to look super cool smoking it.

Good
 : You get to measure out how much tobacco you smoke, and the slower, more deliberate process of packing, lighting, and puffing on a pipe means you spend less time smoking, which gives you more time to look all cool and hipster-like (did we mention that already?).

Bad
 : Because it’s still smoking, you get both the risks of tobacco consumption, as well as the damage to the lungs and throat from breathing in smoke. If you don’t consciously use it with intent to quit, you may end up not changing your smoking habits at all. The initial investment cost might also be prohibitive for some.

Price*
: RM40-RM100 initial investment, with RM15 recurring cost for half a week’s worth of pipe-smoking

Using it to Quit
 : As said above, the ritual of packing, lighting and puffing a pipe takes a while to set up. The rhythm of smoking a pipe is more contemplative and thoughtful. Since it takes time, it forces the user to not smoke too much during a brief smoke break while still satisfying the oral fixation.

Hand-rolled Cigarettes

Rolling your own cigarettes is a popular alternative for smokers feeling the pinch of the pricier cigarette boxes of recent times.

Good
 : You can portion out your own sizes to make your smoke break last as long or as brief as possible. You can even mix the tobacco with flavoured ones. As mentioned above, it’s also much cheaper than boxed cigarettes.

Bad
 : As with smoking pipes, hand-rolled ciggies are still cigarettes. As such, this alternative still comes with the same dangers of tobacco consumption and damage to the throat as well as lungs.

Price*
: Rolling paper and loose tobacco add up to about RM20 per week

Using it to Quit
 : You can customise the sizes of your hand-rolled cigarettes to ever smaller proportions and manage down to the gram how much you’re gradually slowing down by.

A Word About Cigars and Shishas

In the case of cigars and shishas (the waterpipes also known as hookah), our research has shown that these alternatives to cigarettes are often much worse than regular ciggies.

With cigars, there’s
more tobacco and no filter
, while shishas have the added risk of communal infection through sharing of the mouthpiece. So if you’re planning to quit, do not use these two cigarette alternatives.

As you can see, you don’t need vaporisers or e-cigs to quit smoking. There’s plenty of other substitutes to cigarettes you can use to wean yourself off of cigarettes if you so choose.

Of course, we in no way condone our readers to try tobacco. It’s best if you never start smoking at all. We’re merely here to help existing smokers make a more informed decision should they decide to quit using cigarette substitutes other than vaporisers or e-cigarettes.

Speaking of vaporisers and cigarettes, our check out
how much money you’re actually burning with your smoking habit
. The numbers surprised even ourselves.

How has your smoking habit been affected by the crackdown on vapes and e-cigs? Share your story with us and let us know in the comments section down below!

* For the purposes of price comparison, we assume that average smoker smokes half a pack per day.

Photo credits:
René Wiborg on YouTube
.

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Puspakom To Fully Adopt Cashless Payments At All Inspection Centres, Starting 1 July

(Image: The Malaysian Reserve)

Puspakom has announced that it will be fully adopting cashless payments for all vehicle inspections at its 54 centres nationwide, starting from 1 July 2022.

With this, Puspakom customers will no longer be able to pay for the vehicle inspection company’s services using cash. Instead, they can make payments using credit and debit cards, as well as e-wallets. E-wallet options that are currently available include Puspakom’s own e-wallet (only available for Android phones), Maybank QRPay, GrabPay, Touch ‘n Go (TNG) eWallet, Boost, WeChat Pay, and Alipay.

The chief executive officer of Puspakom, Shukor Ismail said that this shift to cashless transactions is in line with Puspakom’s aspirations to fully digitise its business. Additionally, it is faster, more convenient, and safer – especially in relation to hygiene due to the Covid-19 pandemic.

Shukor also said that Puspakom has actually already been implementing cashless payments since April 2021, as well as issuing electronic inspection reports and receipts. “However, cash payments were still allowed at that time, considering that there were still a small number of customers who did not have e-wallets, debit, or credit cards. However, the data shows that more than 90% of Puspakom customers now use the cashless transaction method at all our branches,” he further explained.

Puspakom customers who have enquiries or feedback regarding this move may contact the vehicle inspection company’s customer service centre at 03-5101 7000, or reach out to them via the Live Chat function on the
official Puspakom website
.

(Sources:
Puspakom
,
Business Today
)

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Alex Cheong Pui Yin

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Have Your Say In The Upcoming Budget 2020

(Image: Malay Mail)

Malaysians can now give their ideas and suggestions for the upcoming National Budget for the year 2020. Finance Minister Lim Guan Eng will be tabling the Budget 2020 in Parliament on Friday, 11 October 2019, and citizens have until 11 September to submit their suggestions to the Ministry of Finance online.

Members of the public can share their thoughts on any of the 14 Budget categories up for discussion:

Addressing cost of living

Improving the quality of education

Improving job opportunities

Strengthening the public sector

Improving public infrastructure

Exploring new technology and innovation

Fostering entrepreneurship and businesses

Ensuring social welfare and development

Encouraging a healthy lifestyle

Improving access to housing

Preserving the environment through sustainable development

Maintaining public safety and security

Spurring the development of sports

Strengthening Malaysia’s finance

According to the Ministry of Finance, this effort is an accessible way for all members of society to put forward their opinions through multiple channels. All you need to do is go to the
Belanjawan 2020 website
 and leave your name, email address, and submit your suggestion for Budget 2020. Alternatively, you can use the hashtag #belanjawan2020 for your suggestions on Facebook, Instagram, and Twitter.

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What it Means for Your Money When Banks Merge

“I’m into murders and executions.” says Patrick Bateman, the investment banker-turned-mass murderer from classic cult film “
American Psycho
”, when describing his work.

It was intended as a play on the words

Mergers and Acquisitions (M&A)
 – something that is part and parcel of the banking industry, and a practice that was seen as underhanded and synonymous with back-door dealings in the early 90s, the era the movie was trying to depict.

But what is M&A really? The mergers and acquisitions of today are all about ambitious growth; seeking higher revenue; offering more diverse services, and improving overall the way banks work with each other – and in the latest merger fever between CIMB, RHB Capital, and MBSB, it’s about making our country the
largest Islamic finance hub
 in the region.

A Brief History

The Malaysian banking scene has gone through this before, with the consolidation of 54 local financial institution back in 1998, in response to the economic crisis of 97′, to create what we now know as the 10 main pillars of Malaysian banking, namely – local giants Maybank, Alliance bank, Hong Leong bank, and Affin Bank among others. All this resulted in
improved efficiency and productivity
 in Malaysian commercial banking.

But what does it mean for the average Malaysian in the short-term? We’re sure you wouldn’t want your money to be kept in limbo!

Deposit Accounts

Surely, one of the first things to pop in your mind would be, “What happens to all my savings and deposits?”

According to PIDM
, when member banks merge, you will continue to enjoy separate deposit insurance coverage for a period of two years or upon maturity or until full withdrawal of the deposit, whichever is earlier.

But think about this, PIDM also states that for a single account with its member banks, your deposits will be insured for up to only RM250,000. Having multiple accounts consolidated into a single account with a balance of over the insured amount would mean a portion of your deposits will be literally left out in the wild!

What you can do:
 Shop around for other bank accounts that are protected by either PIDM or DAFIA to divide and
store your wealth
 – don’t keep all your eggs in one basket.. Money transfers can be done electronically via Inter-bank GIRO or physically with cash or cheque. As a precaution, have additional cash on hand in case your debit card stops working.

Bank Loans

A bank loan, be it a car loan or housing loan – it is a binding contract between you (the borrower) and the bank (the lender). You will still be obligated to make your regular instalment payments according to the terms in your existing loan agreement.

What good is a person (or bank) if he or she backs down on a promise?

The only thing you should be worrying about is if Bank Negara decides to push up borrowing rates again in the next quarter! For those with fixed rates on their hire purchase and mortgages, it’s “business as usual” for the most part.

What you can do:
 If you think it’s time, you can look into
refinancing your home loan
 with another bank to structure your interest payments and extend your financing period.

This is especially useful for properties that have significantly increased in value over the years, allowing you to take up a new home loan with a higher borrowing amount that can be used towards paying down your previous loan and the rest can be used for other important expenses – it’ll just be like taking up a personal loan.

What you can expect the banks to do

There are a few moves that the banks can do for their customers and employees to retain relationships and keep them up to date approaching a potential merger:

Relationship

Concerns

Goals

Message

Channel

Bank Customers

Service, fees and charges

Maintain relationship and trust

To be even more competitive with more branches, better access, improved customer service, more services, lower costs, and greater efficiency

Direct mail,

email, website,

newsletter,

in-branch

materials

Bank Staff

Job security, career outlook

Keep the

best talent

Better career prospects with opportunity for growth in larger and diversified corporation

email, meetings

and company events

But will the merger go through?

It still remains to be seen. While it seems like a strategic move for all involved, mergers are
easier said than done
.

As a parting word – in an ideal world, all your banking products and services would continue to work seamlessly. Your credit or debit card wouldn’t be spat out of the ATM, your checks wouldn’t bounce, and your auto bill pay payments would go through without a hiccup. Don’t be caught off guard when these  eventualities happen – keep your eyes wide open and your ears always to the ground.

Have you gotten your money ready for the proposed merger? Let us hear your views in the comments below!

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Many Individuals Using Special EPF Withdrawal To Invest In Gold

The president of the Muslim Jewellers and Money Changers Association of Penang, Datuk Dr Anvar Hussain Rahumathullah has commented that many individuals are opting to use the special RM10,000 withdrawal by the Employees Provident Fund (EPF) to invest in gold.

“Those with holding power can buy gold as the resale value is good. Whenever gold prices go up, one can always sell it and make a profit,” said Datuk Dr Anvar, adding that these purchases may also pull double duty as adornment, if need be, although they are mostly for investment.

The association president’s comments are also corroborated by several jewellery retailers; for instance, the director of VKN Jewellers, S. Yuvabalan, noted that the sale of gold bars has increased lately. “People believe that gold prices will keep going up and they see it as an investment option. Others buy jewellery for cultural celebrations, like when their children are getting married. Gold is considered a good investment,” he further said.

(Image: The Star/Lim Beng Tatt)

The price of gold has surged significantly over the past two years as investors looked for an optimal investment option, especially amidst the economic instability brought on by Covid-19 and the recent war between Russia and Ukraine. This allowed the metal commodity to retain its status as a safe-haven asset, as compared to other more volatile asset classes, such as stocks and shares.

To give you an idea of how gold has performed over the years, it traded at RM5,350.21 per ounce ten years ago, rising by a marginal 4% to RM5,562.29 per ounce five years later. In the following half of the past decade, however, prices rapidly climbed up, peaking at RM8,629.53 per ounce in August 2020. In fact, investors in gold have seen a
25% return in the past two years
.

Meanwhile, the one-off special RM10,000 withdrawal by the EPF is meant to assist individuals who are still affected by the economic effects brought on by Covid-19. The provident fund has consistently urged members to only withdraw their retirement savings if they really need it, but it had been highlighted before that many EPF members – particularly those from the T20 income group – had also
made withdrawals via earlier Covid-related facilities to invest in gold and stocks
.

(Source:
The Star
)

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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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The Cheapest Way to Attend 2018 FIFA World Cup

Every four years, the top football teams in the world collide in the pursuit of being crowned world champions. The next FIFA World Cup is going to take place in Russia, on the 14th of June 2018. While this is typically the time when the prices of everything gets hyperinflated, you may not be as far off as you think.

If you would like to be in the thick of things and cheering on the best of the best, here is the approximate cost that you will need to accrue to be in Russia during the World Cup.

Game Day Tickets

According to the official
 FIFA website
 , it is going to cost 6300 Russian Rubles (approximately RM455) for a ticket in the first-round qualifiers. There are cheaper tickets available on the website, but those are specifically reserved for Russian citizens only.

Having said that, do note that the online period for purchasing tickets concludes on April 3 so you might want to consider buying tickets during the final phase instead. The final phase is from April 18 until the final match of the tournament and is on a first-come, first-serve basis.

As VISA is FIFA’s long-term partner, the usage of a VISA card to purchase official tickets from the event organizers is highly preferred. Aside from that, FIFA.com also states that they will accept bank transfers and other accepted payment cards. You can get more ticket information by checking fifa.com/tickets.

Visa

Once you have purchased your ticket, you can apply for a
 FAN ID
 which allows you to get into Russia without a tourists VISA. The FAN ID even provides you with free travel to the games via public transport, except taxis.

Do note that a FAN ID is valid for the 2018 FIFA World Cup matches for the whole period of the 2018 FIFA World Cup so if you are planning to sightsee anytime other than that, you will need to extend your visa instead.

Accommodation

That would mean your main bulk in terms of expenses, would probably come from flight and accommodation. The games are hosted in approximately
 10 cities across Russia
 .

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A quick check on Airbnb, showed accommodations in Moscow ranging from US$14 (RM59) per night to US$ 53. If you budget for something in the mid-range, it would cost you approximately US$35 per night. Of course, you are not going to stay for one night to catch a game and head straight home. You will probably have to plan out a budget for approximately six to seven days. That would ring up the register to a grand total of US$245, which equates to RM1,035.

With the combination of tickets and accommodation thus far, the price tag of the trip would accumulate to approximately RM1,500 to catch a game live in Russia.

Read More :
 5 Accommodation Alternatives for a Cheaper Holiday

Flight

Picking out a flight is going to be the trickiest and very likely the biggest chunk of your expenses. With the peak season looming, the demand may drive your flight prices through the roof.

At this point in time, a connecting flight from Kuala Lumpur to Moscow will
 cost anything from RM3,201 onwards
 . The closer in to the big event, the more likely the price of your air fare is going to shoot up.

Total Expense Required

Now that your primary cost the three major travel expenses is just shy of RM5,000 for, it is important to factor in other elements of your trip such as food, transport, clothing, souvenirs and security deposits whenever necessary.

Depending on your taste, you could shop and cook while you are there in order to save, or be a typical Malaysian and bring cups of instant noodles to survive on a budget.

If you don’t mind embracing Russian cuisine and dining ambiance isn’t exactly an actual concern, you can always head to the legendary
 “Ludi kak Ludi”
 café which is a long-time favourite among the Moscow student community for their affordably priced sandwiches, pies, and coffee.

One Last Tip

When travelling for a big event like this, there is a lot of research involved in order to keep it on a budget. But, If you are too lazy to zip through the different websites and research for the best deals available, you could use the
 Google tools available
 to plan out your holiday the easy way.

At the end of the day, attending a match is all about showing support for your favourite team and soccer player as they strive to emerge as the winner of FIFA 2018 World Cup. So don’t get overwhelmed with the pre-trip planning phase and sweat over things that did not exactly go the way you intended for it to be.

If you are
 travelling alone
, don’t forget to factor in travel insurance as well as the last thing you would want to happen is to be burdened by a hefty hospitalisation fee for the sake of saving a few extra Ringgit’s (or rubles, in this case). You may think that the travel insurance from your credit card would be sufficient but
 that may not neccesarily be the case in some occasions

And speaking of unforeseen situations, it would be best to have a credit card on standby in the case of emergencies. If you don’t already have an
 awesome travel card
 in your name, come on and check out our comparison page for a list the best ones available in Malaysia right now.

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Gavin Pereira

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Samsung Gear Paired With Non-Samsung Phones Will Not Earn Samsung Pay Rewards Points

Samsung has announced that beginning 9 July 2019, Samsung Gear products paired with non-Samsung devices will no longer earn Samsung Rewards Points for Samsung Pay transactions.

Launched in Malaysia in 2017
, Samsung Pay is the South Korean company’s mobile payments service, which allows users to store credit and debit cards securely and make payments using their Samsung devices on virtually any credit card terminal, thanks to support for both Near-Field Communication (NFC, used in various modern terminals that support PayWave), and Mangetic Secure Transmission (MST, for the older swipe-based terminals). Samsung Pay is supported on
various Samsung smartphones
 and
bank cards
, and can also be used on a variety of
Samsung Gear wearables
, which can be connected to non-Samsung smartphones.

Each Samsung Pay transaction will be rewarded with Samsung Rewards Points, which is given based on the current tier that the user is in (Gold, Silver, or Bronze). Points earned can be used to redeem vouchers, gift cards, and even Samsung products. In addition, Samsung Rewards Points can also be converted to AirAsia BIG Points, at a healthy rate of 1 Samsung Reward Point = 1 AirAsia BIG Point.

(Image source:
Lowyat Forums
)

But, with this notice, it appears those who use Samsung Gear wearables paired with non-Samsung devices will no longer earn Samsung Rewards Points come 9 July 2019. Samsung Pay will still be available to use, but the only rewards the user will enjoy is the credit or debit card benefits – and the convenience and security of using Samsung Pay.

(Source:
SoyaCincau
)

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Pang Tun Yau

Pang Tun Yau

A seasoned tech journalist who now focuses on his other passion, Pang is a firm believer in old-school DCA and optimised spending.

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Visa: E-Commerce To Be Shaped By New Digital Buying Experiences, The Metaverse

(Image: The Star/Raja Faisal Hishan)

Digital payments service provider Visa has highlighted several trends that consumers can look out for in the local e-commerce space within this year, chief of which is the inclusion of the world as a marketplace. This is in addition to the emergence of new digital buying experiences, such as purchasing digital-only goods for use in the metaverse.

According to Visa, consumers are now accustomed to having convenient shopping touchpoints that revolve around their social lives, such as livestreaming on social networks where they can interact with influencers and buy in real time.

“As digital touchpoints continue to expand and blend across all aspects of life, in the future we imagine that buying will happen independently from a store, and our entire world will become a marketplace. This means you’ll be able to make purchases wherever is convenient on the channel you prefer, instead of monitoring for an item to be in stock or having to wait a long time for delivery,” said Visa.

(Image: South China Morning Post)

On top of that, the service provider also noted that as shoppers spend more time online, new digital buying experiences are emerging. Specifically, consumers will be more willing to spend on digital-only goods.

“It isn’t just the channels we buy from that will keep shifting into the digital space, but the very goods we buy may exist only in the digital world. Products increasingly come with unique digital-only attributes, encouraging new forms of digital immersion and interaction with its customers,” said Visa, adding that one example of this is the use of augmented reality for consumers to try on cosmetics as well as virtual clothing and accessories.

Visa further elaborated that digital-only goods will become even more desirable as the metaverse gains prominence. “Digital-only goods will be a core part of the metaverse – an immersive, embedded virtual environment powered entirely digitally. In the metaverse, you could own NFTs, or non-fungible tokens, for digital assets like art, collectibles, and gaming items, and be able to easily sell them to other users on a blockchain sphere,” it said.

(Image: New York Times/Jeenah Moon)

Aside from highlighting the above e-commerce trends, Visa also urged businesses to digitalise themselves so that they can tap into new opportunities, such as being able to build international partnership networks that are more resilient against disruptions. This is especially as the digital commerce space in Asia Pacific is expected to grow into an industry that is worth US$2 trillion (approximately RM8.4 trillion) by 2025.

Finally, Visa noted that according to data from the World Bank, about 98.5% of the 920,624 small and medium enterprises (SMEs) in Malaysia are still trailing behind in the digitalisation race. “Now is the time for businesses to go all the way digital,” it stated.

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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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Maybank Extends Co-Brand Partnership With Manchester United

Maybank has renewed its co-brand partnership with football club Manchester United for the third time, this time expanding the collaboration to cover four territories as compared to the previous three. Specifically, it now covers the original territories – Malaysia, Singapore, and Philippines – in addition to a new region, Indonesia.

In a press release, Maybank noted that this partnership – which has hit its 12-year milestone, making the bank Manchester United’s longest-standing financial services partner globally – will continue to play a pivotal role in helping Maybank to engage with customers in key markets. Additionally, it will elevate Maybank’s global profile, as well as further support its credit and debit card growth.

For context, Maybank currently has a total of three Manchester United credit and debit cards in its Malaysian card portfolio. These include the Maybank Manchester United Visa Infinite and Maybank Manchester United Visa credit cards, as well as the Maybank Manchester United Visa debit card.

Within Malaysia, these cards have recorded a healthy growth of approximately 30% in card base and 62% in card billings last year. This year, the continued partnership is expected to contribute to an increased growth of 43% in card base and 82% in card billings.

Maybank further said that it is looking to repeat this success in the other regions by rolling out brand activation campaigns targeted at Manchester United credit and debit cardholders. Special offers and privileges will also be carefully curated so that they appeal to the club’s nearly 1.1 billion global fanbase.

Some existing privileges that are currently offered to Maybank Manchester United cardholders in Malaysia include discounts on purchases at Manchester United outlets and online megastores, discounted access to Manchester United Stadium and Museum Tours, and the opportunity to meet and golf with celebrated club legends. These are on top of other existing card benefits, such as the ability to earn 5x TreatsPoints when Manchester United wins a Premier League match or 10x TreatsPoints when you shop on the United Direct Online Megastore.

Last year, Maybank had also run several sub-promos under an umbrella campaign to celebrate the 10
th
 anniversary of its partnership with Manchester United – which included the launch of a
special 10
th
 anniversary edition Maybank Manchester United Visa
 and
Manchester United Visa debit card
. Meanwhile, there is currently an ongoing
#ForeverUnited campaign
 that began just this month, which will run until 30 November 2023.

Chief executive officer of alliances and partnerships for Manchester United, Victoria Timpson said that the extended partnership between the club and Maybank is expected to bear plenty of exciting prospects for all.

“Over the past 12 years, our partnership has offered fans throughout Malaysia, Singapore, and the Philippines not only first-class financial products from a trusted banking group but also a host of exclusive privileges and rewards, an added benefit for any dedicated Manchester United fan. We are excited to be extending this offering to our huge fanbase in Indonesia and to continue to bring Manchester United closer to our fans within these key markets in Asia,” said Timpson.

Meanwhile, Maybank highlighted that it currently dominates the cards business in Malaysia, with over 14 million credit cards, charge cards, and debit cards in circulation. It also commands over 20% of the market share for credit and charge cards in the country, as well as over 28% for debit cards.

(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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Keep Your Family Safe From Virus With Medklinn, Plus Money Back Guarantee

Each day, without realising it, we expose ourselves to bacteria, viruses, allergens, mould and other harmful pollutants. Whether we stay at home or out in public spaces, it is impossible to avoid these invisible harmful pollutants as germs live everywhere. We often turn to alcohol- or chemical-based sanitisers and disinfectants in the market to keep us safe from microscopic danger, but many do not know the adverse effects derived from these products. Long-term exposure or overuse of these products could lead to cracked skin, skin irritation, respiratory distress to as severe as chronic bronchitis.

With germs surrounding us everywhere, it is extremely tedious to wipe down all the surfaces with disinfectant. It is also impossible for us to carry an Air Purifier while on-the-move as they are just too huge to be carried around (Pro Tip: Air Purifiers can only trap pollutants in the air, germs on the surfaces are left untreated).

If you are searching for a chemical-free and sustainable way to stay safe from airborne and surface-bound germs wherever you go, the Medklinn Versa 45s Air+Surface Steriliser is a perfect fit for you and your family.

Introducing Medklinn Versa 45s Portable Air+Surface Steriliser

Medklinn Versa 45s Air+Surface Steriliser is specially engineered to not just clean the air, more importantly, it sterilises the surfaces as well. With the 24/7 continuous sterilisation, the Versa 45s provides round-the-clock protection for you and your loved ones.

The Versa 45s is powered by the patented Cerafusion
TM
 Technology that has been proven scientifically to eliminate up to 99.9% pathogens in the air and on surfaces. Small and effective, the Versa 45s covers a wide coverage area of up to 450 sq ft – suitable for use in medium-sized living rooms, bedrooms, kitchens, hotel rooms or even on the plane.

Let’s explore what Medklinn Versa 45s has got to offer.

Safe Mobility: Bring The Versa With You Wherever You Go

Weighing in at a mere 220grams and sized like a small tumbler, Medklinn Versa 45s is designed to be portable and mobile to allow you to take control of your hygiene and safety wherever you go. It is 95% smaller than conventional air purifiers – you can just put it in your handbag or suitcase. To put it into perspective, it is just like your mobile phone, but a thicker version.

The benefit of having a portable Air+Surface Steriliser means you don’t have to be concerned if the public places you go are safe from viruses, as now you just need to connect the Versa 45s to a power bank and start sterilising the air and surfaces around you for added safety and hygiene.

Aside from connecting the Versa 45s to a power bank, you can also connect it to your laptop or the provided adaptor through a USB cable.

Whether you are dining in a restaurant, taking a flight, working out in a gym, watching a movie in the cinema, while driving or at home, bring the Versa 45s with you for safe mobility.

Besides Versa 45s, Medklinn also offers the Auto Series for automobiles called
Autoplus
. The Autoplus is designed to be plugged into the car’s lighter socket directly.

Chemical-Free & Sustainable Sterilisation Technology

The Versa 45s is powered by Medklinn’s patented Cerafusion
TM
 Technology. Cerafusion™ is chemical-free, safe, and a green technology. Cerafusion™ creates Active Oxygen just as nature does and it eliminates 99.9% of viruses, bacteria, mould, allergens, Volatile Organic Compounds (VOCs) and other harmful pollutants in the air and on surfaces. Here are 5 ways Active Oxygen sterilises the air and surfaces:

Active Oxygen eliminates viruses and bacteria by breaking down bacterial cell walls and damaging viral DNA and RNA;
Active Oxygen denatures allergens such as dust mite allergens;
Active Oxygen eliminates odours deriving from cigarettes, pets, remnant food and moulds;
Active Oxygen eliminates airborne particles such as Dusts, spores, moulds;
Active Oxygen oxidizes Volatile Organic Compounds (VOCs) like formaldehyde, a cancer causing chemical.

Cerafusion
TM
 Technology has been developed by Medklinn for more than 15 years, providing a higher level of hygiene and safety not just to end consumers but also commercial customers such as grocery stores, airports, cinemas, shopping malls, restaurants, entertainment spaces, and other public spaces.

Scientifically Tested & Proven

Medklinn has also conducted a series of comprehensive efficacy tests. One of the many is a research study conducted by HygCen Germany GmbH, an independent research institute certified by the German Accreditation Body (DAkkS) with EN ISO/ IEC 17025 accreditation for disinfectants and medical devices.

The research shows that a 99% reduction in airborne germs (aerosols) in a room was achieved within the first 10 minutes of the test. The term “germs” refer to microscopic viruses (including enveloped viruses), bacteria, fungi, and protozoa that can cause disease. Based on the HygCen report, the technology also shows comparable efficacy against enveloped viruses, including coronaviruses and influenza viruses.

To learn more about this study,
click here
.

Easy DIY Maintenance

When it comes to maintenance, Medklinn has put some thought into making it hassle-free.

Unlike many air purifiers in the market which require the service crew to be physically present to replace the filters, Medklinn Versa 45s is specially designed for minimal and easy DIY maintenance.

All you need to do is to replace the cartridge every year, it takes less than 15 seconds to replace it (
Video tutorial available here
). All this can be done at the comfort of your home, just buy the cartridge online and it will be delivered to your doorstep.

Comes With 8 Exciting, Colourful Casings

To best match the interior of your home or compliment your preferred aesthetic, Medklinn Versa 45s comes in 8 exciting optional casing colours for you to choose from – only RM99/casing (FREE Casing for RinggitPlus readers – read till the end to learn how).

If you are into a more neutral palette, perhaps the Pearl White, Rose Gold, or Classic Titanium is better suited for you. Otherwise, you can opt for Sunshine Yellow, Sexy Red, Pastel Pink, Happy Green, or Calm Blue for a little pop of colour.

Love It Or Get Your Money Back

The best part is that Medklinn comes with a 365 Money Back Guarantee. If you change your mind within 365 days from the purchase date, no worries – you can always return it and get your money back, no question asked.

Click here
 to read more about the Money Back Guarantee.

***

Having a portable Air+Surface Steriliser like Medklinn Versa 45s would definitely help in providing added safety and hygiene wherever you go. While we try our best to keep ourselves safe from microscopic danger, we can always strive to improve our surrounding environment with the help of scientifically proven and chemical-free technology such as Cerafusion
TM
 Sterilization Technology.

With the Medklinn Versa 45s, you can take control of your hygiene and safety wherever you go and provide 24/7 continuous protection for you and your loved ones. Medklinn, Always ON Safety 24/7.

If you’re thinking about getting the Medklinn Versa 45s for you and your family, you’ll be glad to know that RinggitPlus readers are entitled to
15% OFF sitewide
 on regular priced items from now until 31 August 2022. Additionally, you’ll also receive a FREE Versa casing (applicable to each purchase of a Versa 45s, colour selected at random. Terms & Conditions apply.)

Use this promo code “
pcor-rp38568
” to get this special offer at
Medklinn Online Store
.

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Lisa Ameera Azman

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HMD Global Announces Arrival of Nokia 6.1 Plus & Nokia 5.1 Plus In Malaysia

Following the launch of the
Nokia 2.1
, HMD Global has announced the arrival of two more smartphones in Malaysia: the Nokia 6.1 and Nokia 5.1. Both are mid-range offerings with competitive hardware, and running on stock Android.

Nokia 6.1 Plus

Featuring a 5.8-inch Full HD+ notched display, the Nokia 6.1 Plus is powered by a Qualcomm Snapdragon 636 processor with 4GB of RAM. Its stock Android 8.1 Oreo will be updated to Android 9 Pie when it is available, because of its status as an Android One device, which promises timely updates.

Additionally, the Nokia 6.1 Plus is equipped with a 3,060 mAh battery that supports quick charge via its USB Type C port, a dual 16MP + 5MP rear camera, a 16MP front camera, a rear fingerprint sensor, and has 64GB of expandable internal storage.

The Nokia 6.1 Plus is currently priced at RM1,149 and it is available at all authorised Nokia stores. On top of that, the first 2,500 customers who purchase the phone will be given a free tempered glass screen protector, silicon cover, and an action camera that is worth a total of RM300.

Nokia 5.1 Plus

(Image: Slash Gear)

The upcoming Nokia 5.1 Plus shares a number of similarities with the Nokia 6.1 Plus. Like the Nokia 6.1 Plus, it also runs on stock Android 8.1 Oreo, equipped with a 3,060 mAh battery that supports quick charge, a USB Type C port, and a rear fingerprint sensor.

That said, while the Nokia 5.1 features a similar 5.8 display, it has a larger notch and a lower resolution at 1520 x 720 pixels (HD+). The Nokia 5.1 Plus comes with a 13MP + 5MP dual rear camera, a 8MP front camera and runs on a MediaTek Hello P60 processor with 3GB of RAM. Finally, the Nokia 5.1 Plus also contains 32GB of expandable internal storage.

The Nokia 5.1 Plus will only be available in Malaysia around mid-October, where the company will announce its official retail price.

Phones

Nokia 6.1 Plus

Nokia 5.1 Plus

Android OS

Android 8.1 Oreo, soon Android P

Android 8.1 Oreo, soon Android P

Battery

3,060 mAh with Fast Charge

3,060 mAh with Fast Charge

Display

5.8-inch notched Full HD+

5.8-inch notched HD+

Camera

Rear: 16MP + 5MP, Front: 16MP

Rear: 13MP + 5MP, Front: 8MP

Processor

Qualcomm Snapdragon 636

Octa – core MediaTek Hello P60

Storage

64GB of expandable internal storage

32GB of expandable internal storage

RAM

4GB

3GB

(Source:
SoyaCincau
 and
TechNave
)

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Brian Chung

Brian Chung

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