Every once in a while, your circumstances require you to seek out a bank loan, be it for your personal needs or to fund your home or business. With plenty of bank loans in Malaysia, it should be easy to find the one that suits your needs the most, whatever your financial condition is. Find out the three types of bank loans you can easily find in Malaysia:
1. Personal Loans
If you’re looking to finance your child’s education, your own wedding, or any other needs that require a hefty amount of money, you can apply for personal loans. The minimum eligibility is that you must be a Malaysian aged between 23 to 60 years old, with a minimum income of RM 7,500 (amount varies depending on different banks).
2. Home & Property Loans
There are usually three types of loans under this category: Home Loans, My First Home Scheme, and Special Housing Loan Scheme. They all come with fixed or variable rates. For Home Loans, there’s no restrictions on loan amount, and you need to be 18 and above. If you’re getting the My First Home Scheme, your income can’t exceed RM 3,000 a month, and the property should value between RM 100k and RM 400k. For the Special Housing Loan Scheme, the applicant may only own one house at any point in time, with the financing of up to RM 100k – RM 120k.
3. Business Loans
For business owners, you can get financing for a commercial property, equipment and machinery, and business term. The minimum requirement for applicants is that you need to be a Malaysian-registered entity, with the intent to purchase for investment or business. There may be fees and charges depending on a variety of factors (i.e. type of collateral pledged, financing amount). For equipment financing, there’ll be fixed monthly installments with no extra charge for repayment by Standing Instruction. For a business term loan, the financing amounts range from RM 50k to RM 400k, with a financing tenure of three to five years with no lock-in period. This loan has a hassle-free application, which means there’s no collateral, expensive legal fee, and corporate guarantee corporation fee involved.
To be eligible for any bank loan, remember to prepare the right documents. Aside from the finance-related legal documentation, make sure you’ve also included your personal details such as photocopies of your IC and payslip, among other things. Meeting the document requirements will smoothen the process. If you’ve been looking for ways to finance your needs, you can explore more bank loans in Malaysia in various categories.
Sabah, nicknamed the “Land Below the Wind”, is known for its beautiful landscape and rich history. With breathtaking beaches, wonderful rainforest, parks and reserves housing magnificent wildlife, as well as the plethora of culture and ethnic groups, there’s plenty to see, learn and do.
However, did you know that the local delicacy is also pretty incredible? As they say, do as the locals do. So, make sure you eat as the locals eat as well. If you ever make your way to the capital of Sabah, you absolutely have to try these Kota Kinabalu local food:
- Tuaran Mee
One of the more popular dishes not just in Kota Kinabalu but in Sabah, tuaran mee is a local specialty that has a special place in the hearts of many Eastern Malaysians. It’s fried noodles with Sabahan Hakka egg roll, char siew slices, egg, and vegetables. However, what makes this dish different is the unique type of egg noodles used, which can only be found in Sabah.
- Sang Nguk Mian
The literal meaning of this Sabahan dish is “raw pork noodles” and that’s exactly what it is. Pork bone broth is boiled for hours in preparation, then used to cook the thinly sliced pork and served with rice noodles. You can choose to have it in soup or dry style tossed in dark soy sauce (with soup on the side). Whichever choice it is, this noodle is a must-try!
- Fresh Seafood
Now, when in Sabah, one doesn’t leave without a meal of fresh seafood. There are many seafood restaurants and types of seafood prepared in different ways to choose from in Kota Kinabalu. A safe bet is to go for simple boiled prawns. Try not to get addicted, we dare you!
- Ngiu Chap (Mixed Beef Noodles)
Get yourself prepared for perhaps one of the best (if not THE BEST) beef noodles you’ll ever taste. Rich, flavorful bone broth with yellow noodles, and heaped on with the works of sliced beef, stewed meat, beef balls, and boiled tripe tendons, this bowl of warm heaven will have you eating and slurping till the last drop.
- Roti Kahwin
The translation of this dish is “marriage bread”, which is very apt. The simple but heavenly combination of cold butter slices with kaya on toasted bread just makes it so darn irresistible. Although this can be found all across Malaysia, something about the ones in Kota Kinabalu are extra special.
- Coconut Pudding
Don’t let this humble dessert fool you. After you have one, you’re going to want more! Served chilled in the coconut shell itself, it’s a gelatin-based delicacy typically with a mixture of coconut juice and condensed milk. It’s light, refreshing, and absolutely delectable.
- Pork Dumplings
Like mini parcels of happiness, pork dumplings are a must-eat when in Sabah. Stuffed with minced pork and different variations on other ingredients, they’re served either fried, steamed, or boiled. You can dip them in ginger and vinegar dipping sauce or soy sauce. One thing is for certain; one is definitely not going to be enough.
Now, armed with this list of Kota Kinabalu local food, you’ll be sure to have an authentic food trail experience. Pack loose clothes, cause once you start eating, we’re not quite sure when you’ll be able to stop!
You’re probably already familiar with a variety of Google’s online services, Gmail, Google Drive, AdWords and so on. So, why choose Google Apps for work? When you opt to work with a range of cloud-based apps, your work life becomes more efficient due to the quick turnaround experienced in digging through tasks.
Here are 4 top reasons you should use Google Apps for work to speed up your progress.
- Professional Email Addresses
Many startups and small businesses use their own email addresses as their work emails. Having a specific email address that directly links to your company creates a sense of trust among clients. It further improves and strengthens the reputation of the company’s brand.
- Sufficient Storage Space for Files and Emails
Ordinary mail servers offer less than 1 GB of storage space for files and emails. This is quite low for a business that works with a reasonable amount of staff and deals with multiple clients every day. Google Apps provides you 10 GB of storage space, which saves you from all the stress of deleting old mail all the time. You also minimize the risk of losing or deleting sensitive data that you may otherwise need at some later date.
- A Seamless Search of Emails
With regular emails, it can be hard and overwhelming to find something that you stored years ago. However, this is not the case with Google Apps. G Suite gives you a fast and robust search facility you can imagine, which makes it easy to trace any old mail in real-time! Furthermore, the service is also backed with an enhanced spam filter. This significantly reduces the level of spam mail one has to dig through every day to find a particular email.
- Easy Mobile Access
Many times, most business owners are either somewhere on the road or in meetings. If you’re hoping to find a clever way to manage your business everywhere you go, Google Apps allows you to do so seamlessly. You can send and receive emails. You can schedule a calendar appointment from virtually anywhere using any device—laptop, phone, iPad and so on. Every single thing you choose to do will seem like you’re executing those tasks from your personal office!
Google Apps, now G Suite, makes it easier for you to access an array of apps through one platform to make your online tasks easy to manage. G Suite by far makes it much exciting to share files, sync users, manage your AdWords and much more. In fact, above are some other top fascinating ways how G Suite can speed up your overall performance and efficiency.
In Malaysia, boarding schools are where both Malaysian and expatriate parents look to send their children for the level of education taught, and core values imparted on their children. The biggest barrier for sending kids to boarding school is the cost of tuition. The tuition and boarding fee can be steep at most boarding schools in Malaysia.
Parents see boarding schools as an investment for their children’s future, but it can be perplexing to figure out which most popular boarding school in Malaysia is worth investing on and is the right fit for their kid. Here is a list of the top five boarding schools in Malaysia worth spending on.
1. International School of Penang
The International School of Penang boasts excellence in both innovations in education and celebrating Malaysian culture. Grounded in heritage, globalization and academic excellence, students study towards an IGSCE and IB Diploma. With over 42 Nationalities studying in the school, students can experience an international education and become exposed to new cultures.
2. Prince of Wales International School
As one of the newest international school in Malaysia, the Prince of Wales International School is gaining a reputation as one of the best. The curriculum based on British education prepares students for the IGCSE and A-Level Examinations. The goal of the school is to expand learning beyond the classroom with students learning through culture, extracurriculars and social activities.
3. Nexus International School
Nexus International School in Putrajaya has the most innovative incorporation of technology and education. The curriculum and teaching style places digital education at the forefront. NIS prepares students towards the IGCSE and IB Diploma with the use of digital teaching methods as Malaysia’s first Apple Distinguished School.
4. Epsom College
Epsom College at Bandar Enstek follows the British National Curriculum and offers a genuine British boarding schools experience. The institute has curricula that work towards IGCSE and A-Level Examinations. The goal of the school is not just to provide the best education, but also create a family environment and instill a feeling of belonging and community.
5. Kolej Tuanku Ja’afar (KTJ)
Found in 1991 in Negeri Sembilan, Malaysia, KTJ popularized international schools in Malaysia. Founded on the values of British-style boarding schools, students are taught a British-based curriculum towards IGCSE and A-Level examinations. The goals are to form well-rounded students, focusing on sports, admirable qualities and extracurriculars.
Deciding on a boarding school can be an exciting and daunting task. You’ll need to set up appointments with each school and do thorough research. To make it easier, check out one of these five boarding schools to figure out which is worth investing in and will be ideal for your child.
Gyms are growing in popularity in Malaysia. The idea of both looking and feeling good have driven thousands of Malaysians to sign up for gym memberships in big name gyms all the way to CrossFit gyms.
While you’d like to sign up at a gym, gym memberships may be steep, and workouts can be done at home. However, a gym provides a sanctuary for health and fitness. While workout videos and health applications can give you a boost in achieving your fitness goals, gyms grant you much more. Here are five reasons why you should sign up at a gym.
- State-of-the-art Equipment
Gyms come with complete equipment. Places like Pure Fitness Malaysia have all the dumbbells, kettlebells, exercise balls and machines you need to perform exercises you find online and on the mobile app. Not only that, gyms often have state-of-the-art equipment that makes exercises more convenient and builds multiple muscles.
- Complete Facilities
While you may have all your necessities at home, gyms provide much more for a holistic exercise experience. Gyms like Fitness First have saunas to soothe muscles after a long workout, sports drink to boost muscle rehabilitation and growth, as well as swimming pools, among many other facilities.
- Motivational Community
When you workout at the gym, you’ll be surrounded by like-minded people who are also trying to attain their fitness goals. You’ll find friends whom you can talk to about your workouts. They may even be able to give you tips on dieting and new moves to try. It’s motivation from the community of gym-goers that keeps you going.
When you exercise at home, you may lack the know-how on the right posture or how to perform a certain exercise properly. Gyms have personal trainers and even attendants who are experts on how to use the equipment and perform exercises the correct way.
- Focused Mindset
The hardest part about reaching your fitness goals is keeping the right mindset and not wavering from achieving that dream body. In the gym, surrounded by hardworking individuals, it gives you focus. It’s an investment to work out at the gym to reach your fitness goals.
While new technology is making it more convenient to work out at home and on your own time, gyms give you an extra push towards achieving your fitness goals. If you’re unsure, try out gym trials and see which gym works best for you.
Malaysia is known to be the ‘beauty’ capital in the Southeast Asia region. It plays host to a prestigious Beauty Expo annually. The long-running event is a testament to the country’s heightened consciousness in beauty and wellness. The beauty industry is undergoing a continuous makeover since the push to elevate beauty standards began a decade ago.
Apart from the meteoric sales of beauty and skin care products, cosmetic procedures are advancing in a similar way. Finding an aesthetic clinic in Malaysia can be easy because there’s one in almost every corner.
What is the rationale behind beauty treatments?
If you are curious about beauty treatments and cosmetic surgery, it is best to understand the reasons why people get them for better appreciation. It is also one way of managing your expectations.
- Enhance personal appearance by looking young and healthy
- Improve a physical feature in the face and body
- Maintain skin complexion and restore skin balance
- Remedy for anti-aging, hair loss, or other body, facial and skin disorders
- Augment or shape certain parts of the face and body
- Remove unwanted skin pigmentation, scars, and fat accumulation
There are tangible benefits when you pursue having beauty treatments. However, it is to your advantage to have the right mindset and expect realistic results, not imagined.
- Beauty treatments can boost self-confidence
- Will significantly lift your sense of well-being
- Will elucidate the best features of your face and body
- Not intended to solve whatever personal problems you have
- Goals need to be realistic, clearly defined, and consulted with the surgeon
- Be aware of the risks, limitations, and consequences
- Consider the treatment cost and other related expenses
What are the most popular treatments available?
Some of the most popular beauty treatments in Malaysia according to specific targets are as follows:
- Dermal Filler Injections
Filler injections are popular with women and men alike. An injectable such as Botox or a platelet-rich plasma is used to reduce, if not eliminate wrinkles in the face and neck. The treatment is as a way to counter aging or maintain a younger and healthier personal appearance.
A facelift is a corrective surgery that is often recommended to repair the face. It is focused on restoring the once firm facial contours. Fat loss, thinning shape, eye bags or other common distortions may need surgical treatment.
- Skin Treatment
Aside from society’s pressure and influence, the citizenry is inherently beauty conscious. Skincare is high on the list. Among the popular are: a) skin regeneration to remove dead skin cells b) skin exfoliation to polish and clean the face c) non-invasive skin tightening to prevent sagging and wrinkling d) skin lightening for a whiter skin is sometimes considered more beautiful than a darker skin shade.
- Weight/Fat Loss Treatment
Women are particular about the shape and figure of the body. If exercise and diet are not sufficient to lose weight or prevent fat accumulation, modern techniques like Mesolipo can do the job. The procedure is safe and non-invasive. Excess or unwanted fat can be extracted or melted through an injection.
- Other notable treatments
There are other aesthetic remedies to rid the skin of warts and skin tags. Hair loss and scalp treatment are available as well. Cosmetic dentistry is another trend developing.
Aesthetic medicine used to attract only the middle-aged or older generation. Recently, the trend is reversing. The more affluent and younger professionals are crowding out the elders. Customers are mostly women, but the Malaysian men are not far behind. If you are decided on having a beauty treatment or undergo cosmetic surgery, always take the safe side. Consult only with certified cosmetic surgeons or aesthetic professionals. Thankfully, in Malaysia, beauty is not hard to find.
Let’s start with – what is a differential pressure gauge? It is a device (similar to a digital watch, and look similar to a monitoring apparatus) that helps measure the difference between two pressure points within a process.
A good quality gauge must possess these qualities: absolute accuracy, resistant to vibrations, and it should be able to withstand the extreme temperatures generated by the food production process and tools.
There are various types of differential pressure gauges used for different kinds of pressure monitoring across industries. Some of the most common types of control include filter monitoring, flow monitoring, and liquid level monitoring.
Importance of a great differential pressure application
All good differential pressure applications help your back-end engineering team to monitor pressure levels and avoid any risk that may arise due to a faulty device or human negligence. It’s important to note that the use of pressure science is an essential part of safe food production and can go a long way in making your food and beverage business a successful.
What happens when a pressure gauge fails?
Pressure from liquids, vapors, gasses, and solids used in tools and food processing machinery can be dangerous. One minor error can lead to loss of life and property, not to mention a huge loss of business. Protecting and inspecting pressure instruments on a regular basis will help prevent failure and keep business operations running smoothly.
Always invest in quality equipment for your food and beverage business, be it a restaurant, a supermarket or an industrial catering factory. As the business owner, you may be aware that food hygiene and standard processes must not be compromised. You need to follow strict international guidelines and regulations to keep ahead in business.
Chocolate is god’s gift to the human race. Imagine what life would be like if you are at your lowest and chocolate is not there to pick you up. Or even if you just want that heavenly taste of melt-in-your-tongue goodness and there’s no such thing as chocolate; that is a nightmare.
Since chocolate is welcome to almost everyone’s taste buds, many entrepreneurs have resorted to producing it for business. However, have you ever wondered how large chocolate factories or businesses have been producing a large quantity of chocolate? If you are a curious consumer or an interested entrepreneur, read further to know more about the mass production of this sumptuous and all-time favorite dessert:
Step 1: ROASTING OF THE COCOA BEANS
Chocolate is made out of harvested cocoa beans. Factories begin the process by roasting large amount of cocoa beans to help develop the flavor the consumers prefer in a bar of chocolate. In this process, cocoa shells are removed. The very fruits of the cocoa after the shelling will then be processed so they could be sorted according to size. This process is most commonly known as “winnowing”.
Step 2: CRUSHING OF THE COCOA NIBS
After the winnowing process, the cocoa nibs will be ground through a large grinding machine. This process will produce the so-called “cocoa liquor” which is then mixed with other ingredients such as sugar and cocoa butter. Other ingredients may also be added depending on the manufacturer’s branding or preference.
Step 3: MOLDING THE CHOCOLATE
Once all the ingredients have been incorporated, the chocolate will be then be molded. This is the final step in the overall procedure in chocolate production. In addition, it is also in this process that the chocolates are packaged and distributed to the market.
The mass production of chocolates is a very interesting process. As a matter of fact, it is quite a meticulous process too since the ingredients must be well-proportioned to ensure the quality and taste of the chocolate. Manufacturers use measuring equipment to meet this requirement and to produce what we all know as one of the best desserts: the well-loved chocolate.
For those who’d recently concluded their SPM examination, it can be tough to decide what to do after school. With so many options to choose from, how can you tell which option will benefit you the most? If you’d rather jump straight into burying your heads into books again instead of working or taking a year off, enrolling in a pre-university programme or pre-U might be a good option. Here’s why:
- The chance to enter top universities of the world
Most pre-university in Malaysia is a gateway to some of the best universities. If your dream is to study at top institutions such as Oxford University or Cambridge University, you’ll have a brighter chance of getting in if you’re armed with the right qualification and do well in your pre-U programme.
- More time to decide your career path
Instead of wasting your time away deciding what you should do once school is over, enrolling in a pre-U programme gives you the chance to use your free time productively, and allows for more time to decide your career path. The subjects you choose to take in your programme could better help with your decisions.
- Brush up your social and communication skills
If you’ve always thought your social and communication skills are pretty rusty, now is the chance to brush up on them. A pre-U programme offers an ideal environment where you get to mingle with people from all walks of life, learn about their culture, and communicate with them.
- The flexibility to study Arts and Science
Unless you’ve decided to undertake a pre-Med strictly, you have the freedom and the flexibility to study both Arts and Science subjects, allowing you more room to decide which path to go at the end of the programme. You can easily pursue your studies in the areas such as information technology, art and design, engineering, as well as entrepreneurship, economics, marketing, or accounting.
- Holistic learning experience
In addition to a diverse environment, many pre-U programmes offer a comprehensive learning experience that includes the chance to be part of a club or association and have a strong support system. Being involved in an organization or association makes you a productive member of society as you help with fundraising or volunteering for a good cause in the name of charity. An active support system ensures you’ll always stay focused on your studies, and at times even helps you to decide the path to take.
Taking up pre-university in Malaysia will give you a few advantages that other types of programmes may not have. Depending on your goals, the programme will help you gain admission to the university and degree programme of your choice if you excel in your pre-U programme.
Kota Kinabalu is not just as exciting and mysterious as its name sounds, but this humble Malaysian locality will indeed leave you smitten once you get to know more of it. This Asian destination, abounding with preserved natural beauty, hospitality, and delicious culinary heritage, is growing more and more popular with tourists, both from neighboring countries and even Western territories. Truly, the state capital of Sabah is nature’s sanctuary where one can relax, reflect, and revitalize.
Here’s the top-of-the-mind list of things to do in Sabah, Kota Kinabalu:
- Hike atop the majestic Mount Kinabalu
If climbing mountains is not on your bucket list, then you may want to reconsider. Exploring on a trek on this famous mountain, which is actually described as the highest climber-friendly mountain in Southeast Asia will make you change your mind. Feel your prowess and determination to be all worth it as you revel in the breathtaking sight on top with the “City below the clouds” on your feet.
- Wander in KK’s pristine beaches and underwater sights
Beaches are always included on a tourist’s go-to list, even more so if they are unspoiled and truly astounding. Tanjung Aru Beach and the Police Beach are just two of the most popular seaside destinations in Kota Kinabalu where one can enjoy basking in the sun, trying different water sports, and also exploring in amazing underwater adventures such as snorkeling and diving.
- Don’t forget to indulge in traditional food in Kota Kinabalu
With its broad spectrum of delectable native culinary traditions, being a fusion of Malay, Cantonese, Japanese, and even Western influences, you are sure to fill your hearts out with delicious and impressive local dishes. When in Kota Kinabalu, it is a must to devour and enjoy popular staples such as the laksa (spicy noodle soup), satay, kon lau mee (dark sauce dry stirred noodle), and tom yam soup paired with tom yam seafood noodles. Of course, enjoy the teh tarik (pulled tea) along with these ethnic servings.
Kota Kinabalu’s carte du jour does not just include these three things, but it definitely has more exciting attractions to offer. So, if you’re looking for that wonderful yet practical destination in Asia, Kota Kinabalu promises to be a place that will make you want to come back again.