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  • Things You Need For Your Baby/ Child

    Things You Need For Your Baby/ Child

    Despite the fact that the mother has been pregnant for nine months, this little creature is a completely different person. There will be some adjustments along the way as you learn from each other and build an amazing relationship, just like with any new person in your life. Here are some things that a mother might need to take care of her baby.

    Baby Car Seat

    The first thing you need for baby products Malaysia is a baby car seat. This is the most important thing because you can’t hold your baby for a long time in the car. You also need this if you are the one who drives. The best way to protect your children in a car is to use a car seat, also known as a child safety seat. Car accidents are among the leading causes of death and injury among children. Because car seats save people’s lives. Aside from purchasing a car seat, you must ensure that it is properly installed. Contact the highway patrol or a car seat specialist to install and demonstrate how to secure the baby in place.

    Crib or Bassinet

    The next thing that you need is a crib or bassinet. For your information, Bassinets are small and frequently moveable. They take up little space and can easily fit next to your bed in most bedrooms. This makes it easier for you to get to your baby during those early months for frequent feedings and diaper changes. Cribs are larger and, in most cases,  cribs cannot be easily moved from one room to another.

    Because your baby is so small, you can get by with just the bassinet for the time being if you want to stagger your purchases. However,  the baby may outgrow it after three or four months, making the crib the next option. Of course, you’ll also need a crib mattress and fitted sheets.

    Diapers and Wipes

    We move to the next thing which is diapers and wipes. In the newborn days, babies need to be changed around 13 times per day. Diapers and wipes will be essential in the coming years. Babies are at risk of infections, diaper rash, and other serious health issues if diapers are not changed on a regular basis; problems that necessitate medical attention and can place an additional financial strain on families. 

    Also, A natural pH balance exists in healthy baby skin. However, the mess from dirty diapers can raise the pH, making the skin more susceptible to irritants that can cause a rash. Cleaning the skin with Pampers Baby Wipes on a regular basis can help remove these irritants and restore the skin’s natural, healthy pH balance.

    Clothes

    The last one is clothes. You need to put on the clothes of your baby. It will make the baby warmer. Mothers are all aware that their babies require clothing, but they are not always sure how many, what sizes, or what style to purchase. When you consider the season in which your baby was born, it’s easy to see why there isn’t a single correct answer.

    In conclusion, Mothers need to be alert about the thing that they need for their babies. They should be getting it ready beforehand so there will be no chaos when the mother is in the labor room. If you don’t know where to buy the products, you can just click the link, baby products Malaysia.

  • What is Brass Fitting Malaysia?

    What is Brass Fitting Malaysia?

    brass fitting Malaysia

    Brass fitting Malaysia are used for carrying water, chemicals and flammable gasses. Not only that they also used to carry slurries, and other plumbing substances. These pipe fittings made of brass come in a wide range of shapes and thread sizes to connect, adapt, or control any liquid or gas in pipes. Brass fittings Malaysia are also can been used for some automotive applications.

    Click Here For HDPE Pipe Malaysia Use In Buildings


    Why Should Brass Fitting?

    1. Durable
      They can be used for residential and also industrial plumbing. That is because they are suitable for heavy use and can stay good for years. This brass fitting lasts for a long time without disintegrating or even cracking. They are suitable for hot water supply lines.
    2. Can withstand high temperature
      They provide exceptional conductivity and also improve the efficiency of the distribution system. This brass fitting can tolerate higher temperatures than other fittings that are made from other materials.
    3. Malleable
      Brass is malleable metal, which is one of a thin sheet that can be easily formed by hammering or rolling . This makes brass fitting as a flexible option for many tight plumbing spots.
    4. Corrosion Resistant
      Brass fitting is highly resistant to corrosion and they don’t rust. This makes them last longer than other fitting.
    5. Versatile
      Brass fitting has a variety of types and sizes. So it will be easy for you to buy them.

    Type if Pipe Fitting

    brass fitting Malaysia
    1. Elbow Pipe Fitting
      Elbow pipe fitting is a key part in a pressure piping system. Which had been used to change the fluid flow direction. They are used to connect two pipes with same or different nominal diameters. Not only that they also make the pipe and thus the fluid direction turn to a certain direction of 45 degree or 90 degree.

    2. Reducer Pipe Fitting
      Reducer pipe fitting is a component in a piping system that changes the pipe size. They change in pipe size to meet flow requirements and also to adapt to the existing piping. Their length of the reduction is usually equal to the average of the larger and smaller pipe diameters.
    3. Tee Type Pipe Fitting
      A component of the plumbing system which is in T-shape. They have been used to combine the flow from two inlets to one outlet. If the 3 sides of T-fitting are similar in size it is called an Equal tee, otherwise it is called an Unequal tee.
    4. Cross Type
      Has 4 openings in 4 directions. They generate more stress on the pipe as the temperature changes. That is because of their location at the center of four connection points. Fire sprinkler systems always use this type of fitting.
    5. Coupling
      They are used to connect the pipes of same diameter and also very useful if the pipe is broken or leakage occurs. There are two types of couplings available which are compression coupling and slip coupling. Compression coupling is used to prevent leakage by the arrangement of gaskets or rubber seals on both sides. While for slip coupling it’s easier to install and contains two pipes that had arranged as one into other, inner pipe can slide up to some length
    6. Union
      They have a similar function with coupling. But for unions they can be removed whenever we need. Unions are very useful for maintaining the purpose of the pipe.
    7. Adaptor
      This adapter is generally used for copper and PVC pipes. Male adapters contain male threads while the female adapters contain female threads.
    8. Olet
      Olet will be used if the standard sizes of fittings are not suitable. For some cases the inlet pipe is larger than the outlet pipe. So this is when Olet needs to be used.
    9. Plug
      Plug is a component of plumbing that is generally used to close pipe openings during inspections and repairs.
    10. Cap
      Cap had the same function as plug but their difference if the plug contained male thread. While Cap contains female thread.
    11. Valves in Pipe Fitting
      Valves are components of plumbing systems which are used to stop or regulate flow of fluid in its path. They had different types depending on their application.
  • Several Interesting Health Courses

    Several Interesting Health Courses

    belajar kejururawatan di malaysia

    1. Pharmacy

    In addition to being an in-demand health major with promising job prospects, pharmacy majors offer the opportunity to learn interesting things. It turned out that studying in the pharmacy department had nothing to do with patient care, but rather consisted of learning about the composition and compounds of drugs and then combining and formulating them into a drug that meets eligibility requirements.

    The most frequently asked question regarding pharmacy majors is whether all majors may enrol in this health major. The answer is yes. All majors are welcome to study in the pharmacy department, not just high school graduates with science or science degrees. When you major in pharmacy, you will learn about the composition of drugs and vitamins, as well as how to combine substances to create drugs. Consequently, when you take medicine in the future, you will not be careless, because you will be aware of its composition and the correct dosage.

    2. Nutritional Science

    The nutrition science courses for pharmacy majors in grades eleven and twelfth do not involve patients at all. Even the field of lectures is nearly identical, with the exception that pharmacy majors study drug content while nutrition majors study food and beverage containers.

    The entry requirements for a nutrition major also do not require a science or science major degree. Currently, the nutrition science major at a private university also has good passing grades and accreditations, so you have a higher chance of acceptance. The interesting aspect is that if you study in this department, you can analyze the composition of food and beverages. You can also select body-necessary healthy foods and beverages, which are suitable for those who enjoy making difficult diet menu decisions.

    3. Obstetrics

    We transition from medical college majors unrelated to patients to health majors that are always and must be in daily contact with patients. In addition to nursing, the college department that is constantly in contact with patients is midwifery. Where is the entertainment in studying midwifery? Don’t get me wrong, there are many young couples who marry today, but they are confused about how to care for their children. Well, when you study midwifery, you will learn techniques for caring for mothers and infants every day, so you can rest assured that you will also learn how to be the wife of your dreams hehe.

    Yes, the midwifery department is exclusive to women. Therefore, you shouldn’t even consider enrolling in the department of midwifery, as you will inevitably fail the prerequisites. In the end, it will not be entertaining for men to learn how to become their ideal wives in college. Therefore, avoid registering with the midwifery department.

    4. Administration of Hospital

    This one major is still relatively new in health lectures, and only a handful of campuses offer a Hospital Administration major. However, even though it is a new major, this hospital administration department has a significant number of enthusiasts. The Hospital Administration Department is for students who wish to attend a health campus but do not wish to interact with patients or medications.

    The most enjoyable aspect of studying in the Hospital Administration department is learning about office management science, particularly as it pertains to hospitals. Children who graduate with the Hospital Administration major will determine the direction of hospital operations, as the Hospital Administration major’s responsibility is to manage all hospital operational matters. belajar kejururawatan di malaysia.

  • 101 Guideline To Buy A Toyota Car In Malaysia

    101 Guideline To Buy A Toyota Car In Malaysia

    Since you are here, we believe that you are interested in automotive and cars or perhaps you are growing a passion for buying a dream car that suits your preference and lifestyle. Cars are inevitably one of the most important things that we should have to ease our mobilization from one place to another place. Cars also are the objects that help us to reach remote locations or a faraway destination without any unexpected delay where we often experience by taking public transportation. Besides that, the weightage importance of cars can be seen as clear as a crystal when it is one of the objects that are categorized as the asset that are required to be covered by insurance. Without further ado, we will guide you on how to buy car Malaysia , specifically Toyota, a famous Japanese car brand in the Malaysian market! 

    First Step: Visiting Toyota Showroom And Getting A Test Drive

    The first and foremost step that you must take before proceeding to buy a Toyota car (or any car) is that you need to drop by and pay a visit to any branch of Toyota Showroom near to your current stay. Visiting a showroom is an initial step that will make you view the product thoroughly, in this context is Toyota car. Another essential point is that as a potential customer, you can gain more understanding from different technical aspects regarding your interested Toyota car. For example, you will be guided and explained by a professional Toyota sales advisor about the model, car’s performance, personality, pricing, monthly installation and specifications. On a side note, Toyota showroom is not only a place for everyone who has decided firmly to buy a car, but also the showroom is open for anyone who is interested in surveying new Toyota car models. 

    After surveying Toyota car models and getting some detailed advice and descriptions about the specific car model, car’s performance, personality, pricing, monthly installation and specifications, you are strongly suggested to sign up for a test drive by speaking first to Toyota sales advisors. A test drive is a chance and real hands-on experience for you to understand the car and its performance.

    This is a perfect time to evaluate your dream car especially when you are driving it at different speeds, varying terrains and taking road turnings.

    buy car Malaysia

    buy car Malaysia

    Second Step: Starting Your Car Loan Application Process

    Are you ready for the next step? Let’s start! In this second step, we will explain to you about the general process for applying for a car loan, applying for a car loan as a fresh graduate, and margin financing

    1. General Process For Applying For A Car Loan

    It is important for you to know the term ‘’car loan’’. A car loan, automotive loan or auto loan is a sum of money a consumer borrows in order to purchase a car. Generally, there are two parties involved in this car loan. One is a lender and the second party is a borrower. A lender is a party that lends the money to the borrower. Banking and financial institutions are common and reliable party lenders. Meanwhile, the borrower is a party that receives money as a financial loan from the lenders in order to purchase expensive and long-term commitment assets such as a house and car. 

    To be more clear, the car loan application process will usually be handled by the sales advisors. The general processes in applying for a car loan are dealing and negotiating with bankers, identifying the best financing rates and the preparation of essential paperwork. Another process is the fulfilment of various car loan application requirements from your end. Then, you will have to decide on the loan payment period, ranging from 3 to 9 years. 

    Next, you are required to submit the necessary documents to buy a car, which are proof of income documents. Here are necessary documents that you need to submit:

    • 3 Months’ Payslips
    • EPF Statement/LHDN Statement
    • Bank Account Statement

    Your sales advisor will advise you to submit other needed documents from your end to buy the car. Once all the documents are processed, you will have to wait for 1 to 2 weeks and the waiting period for the result could be longer than 2 weeks. 

    buy car Malaysia

    1. Applying For A Car Loan As A Fresh Graduate 

    A fresh graduate is still eligible to apply for a car loan, although he or she does not have any proof of income or work experience. In this situation, you need to give documents that suggest you have successfully secured a job. You are also required to have a guarantor. The documents are:

    • Job Employment Letter
    • Offer Letter
    buy car Malaysia

    1. Margin Financing 

    What is margin financing? Margin financing is the amount of loan expressed as a percentage of the car’s value. For example, if a bank grants you a margin financing of 90% for a car valued at RM 100,000, the bank is effectively agreeing to lend 90% x RM100,000 = RM 90,000 to the borrower. 

    buy car Malaysia

    Third Step: The Best Final 

    Now, this is the best ever news for you! Once your car loan application is approved, your sales advisor will task you to choose a vehicle registration plate. On a side note, you can even book a specific vehicle number. After that, you can finally drive your Toyota brand-new dream car! 

    buy car Malaysia

  • Tips For Safe Medications And Storage

    Tips For Safe Medications And Storage

    As you study medicine, there is no doubt that you are aware of their dangers and the consequences of being affected by them, intentionally or otherwise. Even if you aren’t a medical student, you should already know that medicines aren’t something to toy with, especially by children.

    So you have a bunch of medicine in your house for emergencies. Fantastic, you have come prepared. But you must make sure that they and yourself are in safe conditions. This will also spare the headache of doctors from treating a buffoon that accidentally overdosed with his sleeping pills.

    Know Your Meds

    You have the Internet in your hands. That or a doctor’s prescription can be the source of your knowledge of certain medicines. Know their names, appearances, the ailments they can treat, and side effects. It is also absolutely vital to know the dosage based on doctors or labeled instructions.


    Speaking of labels, do that to your medicines, separating them by name and category. You don’t have to be extra meticulous, just label enough to tell each medicine apart. Their appearances, packaging and brand names may do half the job. Consult your doctor on what to do if you miss a dose, and know if you are allergic to some medicines too.

    Stay Away From Children

    study medicine

    Children are generally too young to know the dangers of carelessly taking medicines like they are Halloween candy. For this reason, you must store your medicine away from children. 

    If you have a cupboard, store them in a high shelf where they can’t reach. At the same time, don’t store them any further since you will need to reach them easily in emergencies.

    If you have locks for your cupboard, use it to lock away your medicines from children, though if you still need access, this may not be necessary. You could hide the pile by placing other miscellaneous items in front of them. If you have a safebox or similar, this is even better. Store them all inside it and hide the key from your children.

    Keep their hands out of reach after you feed them medicine too. If you plan to teach them about it, be sure to not leave out the dangers, and still do not let them handle medicines by themselves. For their sake, only you have the authority for the time being.

    Also never call medicines “sweets” or any other appealing terms to children as they will be confused and may try them if you are not only looking, but your meds are at their reach too.

    Safe Disposals

    Some medicines need special care in disposing of them when they are no longer in use. There may be labels you can read to see if there are instructions on safely disposing them, whether they are aged or there are unused extras. Powerful drugs like opioids are an example of a medicine that must be disposed of with care.

    If you want, you can go to a pharmacy, clinic, hospital or any health-related centers and ask if they accept old medicines for safe disposal. If you fear that you might be wasting time going there only to be told “no”, call them first to confirm.

  • Self Service Kiosk POS Malaysia: The Best Breakthrough!

    Self Service Kiosk POS Malaysia: The Best Breakthrough!

    Are you aware that with the entry of technology into human life, many fields have begun to transform. The ease in everything began to be felt by the community. In addition, the business section can also be seen with the Self Service Kiosk POS Malaysia. It redefines efficiency by making the customer part of the buying process, thereby minimizing operational costs, time, and negligence.

    Self Service Kiosk POS Malaysia

    What Exactly is Self Service Kiosk POS Malaysia

    Self Service Kiosk POS Malaysia is a computer terminal created for the purpose of providing information or providing services that exist in a business or company. Several large locations in Indonesia already exist such as at train stations, banks and airports, but are still rarely found in public places and many other places.

    The service uses a kiosk, the goal is to make it easier for service or customers who come to carry out activities such as for example sending money other than at ATMs, making it easy to top-up virtual funds to applications through kiosks, buying credit for data packages and being able to buy train tickets and others.

    What are Their Benefits?

    Self Service Kiosk POS Malaysia Reducing Customer Dependence on the Company

    When our customers can solve their own problems without us having to queue long. So customers don’t have to ask the clerk, because there is already a video guide in the kiosk. For example, when a bank customer has a problem sending money to a relative. They don’t have to wait for the bank’s business day, they just use internet banking services, so that money can be sent right away.

    Make Satisfaction Increases, Profits Increase

    When the company grows and fully supports it, it will improve the quality of service to customers. So automatically their level of satisfaction also increases. An example is when customers often buy your product because they rely on automated machines, and fast and efficient transactions. So customers will buy at your place more often with self service.

    Improve Business Efficiency

    Judging from the definition of kiosk, kiosk is believed to be able to efficiently and effectively facilitate the customer experience. That means, by using kiosks they will get a different satisfaction and experience when making transactions. So you don’t need to bother, all transaction systems are running automatically. Those are some of the advantages of using self service with it. The kiosk is also very easy to use, because it has been designed to provide a different experience for customers.

    Self Service Kiosk POS Malaysia

    The Usage of Self Service Kiosk POS Malaysia

    • Fast Food Restaurant

    Kiosk technology has been used by fast food restaurants since the second quarter of 2018, and there are already several branches using this machine. Using the self service machine is quite easy, by pressing the touch to start button, then choose to eat here or take it home. Select the menu until all orders and payment amounts appear in the order box. Food prices per item are also displayed in this screen. Then select Done if the order is complete. Through self-service technology with kiosks, business people want to reduce the queue when ordering food at the counter as usual. Even in the future, it is expected to implement table service where consumers can order on the touch screen and sit down immediately.

    • Airport

    Kuala Lumpur International Airport already has many Self Service Kiosk POS Malaysia. This can be seen by the number of tools for self-check-in. This facility has been operating for a long time. The purpose of this machine at the airport is to make it easier for passengers traveling without baggage to be recorded in the cabin which was originally done in the check-in content.

    • Convenience Store

    Supermarket franchises such as Seven Eleven, KK Mart, and Family Mart also use kiosk technology to make it easier for their customers to serve virtual transactions such as credit, data packages, transportation tickets, paying electricity, water bills, paying internet bills, cable tv and others. The ease and efficiency of using a kiosk is really necessary for you to pamper your customers with a different experience.

    • Etc.
  • Find Out The Best Bunkering Services In Malaysia

    Find Out The Best Bunkering Services In Malaysia

    Have you ever wondered how ships in the sea get to sail for months on end? Well, apparently they get their fuel by hiring a bunkering service. For easier terms, bunkering means refuelling a ship or supplying a ship with fuel. However, in marine terms, it is called bunkering. It is a strict and intricate procedure, to avoid fuel leakage into the sea which then will cause dangerous pollution to the sea and its creatures. Therefore, hiring the best bunkering services in Malaysia will allow you to refuel your ship with ease.

    best bunkering services in Malaysia

    What are the steps taken when providing bunkering services?

    • When it comes to bunkering fuel, the first thing that needs to happen is that the bunkers themselves need to be inspected and monitored before they can be used for ship bunkering. The purpose of the survey is to determine whether or not all of the preliminary steps, such as the fitting and installation of pipes for the passing of the fuel, are appropriate.

    Additionally, because the survey requires the actual plans and diagrams of the pipes during the time of the survey, any modifications that are required to be made to the pipes are pointed out in order to completely avoid later complications. This is done in order to ensure that there are no complications in the future.

    • Getting all of the essential and required certifications from OMIL/MID, which stands for the Organisation of Legal Metrology/Measurement Instrument Directive, is the second step. When all of the requirements are satisfied, as well as when the bunkering equipment and its configurations have undergone exhaustive testing, the marine bunkering services can be initiated. Alternatively, after obtaining the relevant approvals, a fuel bunkering service can be initiated even if the OMIL/MID certification has not been obtained.
    • In order to ensure that everything is running smoothly, it is necessary to carry out routine and ongoing checks on how the system is operating. The monitoring component would entail ensuring that the installed equipment is functioning normally and that it is being checked regularly.
    best bunkering services in Malaysia

    Why is bunkering important in the marine?

    Ships in offshore maritime environments must engage in the bunkering process, which is an activity that is both necessary and unavoidable. One statistic indicates that the portion of a ship’s operating expenses that is attributable to fuel bunkering amounts to somewhere between 50 and 70 per cent of the ship’s total operating expenses.

    The service of marine bunkering is supplied by a huge number of organisations that are scattered in all parts of the world. These companies have come under closer scrutiny as a direct result of the recent increase in the number of oil spills that have taken place in various regions all over the world. Because of this, it is essential that they practise the necessary caution while providing marine bunkering services, regardless of whether they are at sea or in a port. This is the case regardless of where they are.

    Hence, if you’re wanting to hire a bunkering service for your ship, you can do so by clicking the link above or checking out any other services available. That way, you can get your ship fueled in safety. 

  • Why We Must Have Doctor In The Family

    Why We Must Have Doctor In The Family

    It seems that the presence of family doctors in our country has not been noticed by many people. In fact, his presence is quite important to deal with all medical problems of family members. Can you go straight to the hospital or health center? That’s true, but the role of the family doctor is not limited to that. According to the book Healthy is Cheap by dr. Handrawan Nadesul, the health care system in our country is not yet in favor of patients and the average health system of our society is not yet solid, so it is often wrong to determine the address for treatment.

    In addition, our health services also have two routes, namely the “fast track” for patients who can afford it and the “slow track” service for the poor. Well, in this “slow lane” service the “referral system” rule applies. This means that medical services are tiered from the simplest to more complete health facilities, such as hospitals. That’s why one of our family members has to become a doctor, for that let’s apply for science foundation programme in Malaysia.

    Dr. Handrawan asserted that “fast track” is a distinct matter. However, patients may choose “fast track” medical services based on their needs. When you have the flu, for instance, you can select a specialist right away. However, there are some rules that must be followed. Due to the fact that you enter the medical field with all of its undesirable practices, this “fast track” medical service, Overlapping exams, dehumanizing services, and polypharmacy are a few examples (overprescribing of drugs). Such things are a part of the flurry of activity in the medical sector among the wealthy.

    Why have a doctor in the family?

    ·        Get to Know Closer

    This family doctor will certainly know very well the medical conditions of all family members he treats. In fact, complete with medical records since birth. In short, whatever the medical problems faced by family members, the family doctor is the place to ask questions and seek treatment. Because family doctors already know each member of their regular family, it is guaranteed that every family member will always be safe in treatment. The reason is that it is impossible for a family doctor who is very familiar with the family members he treats will harm them, compared to seeing a doctor late, as is often the case nowadays.

    Family doctors can also minimize the risk of the dangers of not taking the medicine, giving the wrong medicine, or failing to diagnose. In addition, family doctors will not immediately give “hard” drugs, in contrast to doctors who pass by. Because, family doctors will continue to monitor the condition of family members. In short, if you don’t really need medicine, the doctor will not prescribe it.

    ·        Keep away from malpractice

    Another family doctor, another passing doctor. Doctors usually think that people who treat him will not come back in a day or two. Therefore, generally they immediately give “hard” drugs so that they can immediately heal. It’s like killing flies with a gun.

    Meanwhile, family doctors are not like that. In addition to not directly giving “hard” drugs and routinely monitoring the condition of the family members they treat, they will also refer to the most appropriate treatment address. For example, to colleagues who have been very well known, so that medical communication for the best cure can be established.

    What you need to know, without a family doctor, someone might have the wrong address for treatment. In fact, the address for treatment will determine the success rate of healing the disease to the costs incurred.

  • The New Age of Mobile Banking

    Mobile Banking

    The age of the financial landscape is entering the latest age of mobile banking. As we know, banking acts as a service, but with it’s integration with latest technologies, it has created a seamless, comprehensive and simple process for the generations of tech-savvy consumers who want everything to be as simple as possible. This is where mobile banking comes into play.

    Understanding Mobile Banking

    Mobile banking refers to the act of making any financial transaction using your mobile device. It is as simple as sending money to a relative abroad, receiving your paycheck through your banking account or even your bank sending a fraudulent transaction alert. There are many advantages to the existence of mobile banking, firstly due to the convenience it provides users as almost all banks existing in the digital age offers their consumers impressive mobile applications for free. Let’s hear some of the advantages of mobile banking today.

    Convenient

    As said earlier, many banks out there provides their users with a mobile application that is free to download via the Google Playstore or Apple Store. Once their user downloads the application and registers for an online banking account, everything is set. Users can now deposit checks, transfer funds to a friend, pay for online shopping bills, purchase flight & movie tickets and many more. It is super simple to use as all you will need is a stable and secure connection and your mobile device. Also, you should ensure that you don’t log into your online banking applications using public Wi-Fi connections as your personal information can be compromised easily. 

    Mobile Banking

    Cybersecurity 

    With the advancements that technology has brought forward in the field of banking, the importance of having a strong cybersecurity system in place is even more than it has ever been. Cybersecurity protects mobile banking operations with measures taken so that e-information of consumers will be kept private to avoid theft, damage and misuse. If a banking application does not have a strong cybersecurity system in place, backdoor attacks, direct access attacks and denial of service attacks could occur. Backdoor attacks are when thieves access a system that does not have the usual authentications needed. Direct-access attacks include viruses and bugs that gain access to a system to modify and copy its information. Lastly, denial of service attacks will prevent the user from accessing the system, by locking them out of their account. 

    Conclusion

    There are many benefits to mobile banking in this era of digitization. Its existence has benefited us all in many ways, by making these rather complicated tasks much simpler, cutting the time we spend on these tasks by way more than half, and even providing us with a general platform to get our banking needs settled without needing to travel to multiple different banks to pay bills and settle transactions. Therefore, we should be thankful for the existence of mobile banking! But with that being said, it is important to recognize the dangers of it as well. Fraudulence could occur right before our eyes but we may not know that it is happening in our accounts. That is why we should be extremely cautious about where we enter our personal information.  

  • The Pros and Cons of Buying Insurance 

    looking for investment-linked insurance policy Malaysia

    As soon as you enter the workforce, you should have your own medical and life insurance. The reason for this is that you need more monetary coverage for all of your financial commitments, such as your student loan, car loan, rent or mortgage loan, home bills, helping your parents, and supporting your family if you’re married. 

    After paying off all your obligations, you won’t have much money left over to pay for life and medical insurance policies, especially if you’ve just started working or earn a middle-class income. This is where a term life insurance policy comes in handy, as it is the most affordable way to obtain basic life insurance coverage in the event of an untimely death. Is it, however, appropriate for you and your financial situation? I’ll explain what term life insurance is and its benefits and drawbacks so you can make an informed decision. You can also find out more here if you are looking for investment-linked insurance policy Malaysia.

    So, what is term life insurance? Term life insurance is sometimes referred to as the most affordable and straightforward life insurance product, and it is specifically designed for those seeking temporary coverage over specific financial commitments, whether it’s a debt, a loan, or as a final means of supporting a family after passing into the void. A term life insurance policy, in a nutshell, provides death and total permanent disability (TPD) coverages from natural and accidental causes for a set period of time (a term) with no additional cash or investment values.

    Pros of Buying Insurance

    looking for investment-linked insurance policy Malaysia
    1. Low monthly or annual premiums
    • Term life insurance is widely regarded as the most affordable type of life insurance. Depending on your coverage amount, you can now get term life insurance for less than RM20 per month, that’s only a few hundred Ringgit per year! Of course, these are affected by other factors such as your age and lifestyle habits, but the fact remains that term life insurance is a cost-effective option for Malaysians. Higher coverage amounts will cost you more in premiums, but the peace of mind you get knowing there is a safety net if you are no longer around to provide for those you care about is worth it.
    1. Less hassling application process
    • Term life insurance policies are generally simple to obtain. Most insurance providers sell it online, where you can buy it after answering a series of personal and medical-related questions (honesty is essential here; you don’t want to end up with a revoked policy due to inconsistencies in personal information). Furthermore, most term insurance policies do not even require a medical exam – you certainly get maximum convenience here.

    Cons of Buying Insurance

    looking for investment-linked insurance policy Malaysia
    1. Less comprehensive coverage
    • When compared to whole life insurance, term life insurance provides a slightly less comprehensive level of protection. To begin, you may be unsure whether the term you have chosen is adequate. It’s difficult to predict the future, especially when it’s 15 to 30 years away. Of course, you can always renew your coverage when the term expires, but premiums may have risen by then, and you may face complications if you have been diagnosed with any health issues along the way.