A Financial Beginner’s Guide: 5 Cool Tips To Invest In Malaysia Without Big Risks

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Everyone hates losing money, maybe that’s why many people fear to invest the little cash they have. The majority of these people like keeping their funds safe in a bank account that probably earns them fixed interests every year. However, sometimes a savings bank account can become a financial suicide since they yield low-interest rates. So, what are the best ways to gain the highest return on your money without a high risk around Malaysia? This financial beginner’s guide provides five handy tips for safe and risk-free investments worth taking the leap.

 

#1 Control Inflation

Many times inflation can stop your long-term financial goals, such as retirement or paying school fees for a child, from becoming possible. Or, it can make your long-term goals such a stressful experience to bear. Rather than keeping all your cash in the bank, it’s better to invest in other ways to maximize its purchasing power. Many people like investing a portion of their money in stock funds to keep up with inflation. Even though stocks often fluctuate unexpectedly, they offer the highest potential returns which in turn tackle inflation.

 

#2 Diversify More

Instead of relying on your own business to earn a living, you can invest in a broad range of investment instruments to minimize unnecessary risks. Buying share of funds belonging to a real estate, stock, bonds, and commodities is the best way to grow your money. This strategy can also protect your assets from any potential risk. At least, this way, in case an investment doesn’t bring you money, you’ll still benefit from others that are doing well. When investing, always remember the golden rule: “Do not put all your eggs in the same basket.” Diversify your options instead!

 

#3 Beware of Investment Scams

The famous adage that says, “If something sounds too good to be true, it probably is” is very true even in the investment world. If you come across a new investment vehicle promising you high returns within a short time, be vigilant not to fall for a scam. Awareness will also help you save time by prioritizing more on other important stuff that can  turbo-charge your income potential. Also, before closing a deal with any financial institution, check whether there are hidden charges within that may squander away your money. Making sure your money is protected and safe from scams and theft should be your top priority in every investment you choose.

 

#4 Choose Agents Carefully

Some people like having agents to invest money on their behalf for a small share made from each investment. The same thing works even in the stock market. Some people choose to engage a stock broker in analyzing the best stocks for them. Because charges vary considerably, it’s wise to first compare agents based on their competence and experience to nail a promising deal.

 

#5 And Finally, Invest In Small Amounts

Although there’s no restriction for you to invest any sum of cash to accumulate funds, it’s important you start small. Investing in small amounts allows you to gain confidence as you learn and stops you from rushing into anything. Start by buying substantial investments that have performed well in the past 5-10 years, and devote to buying in small portions regularly. Work with your financial consultant or broker to find you safe and risk-free investments that would yield high returns in the end.

 

In summary, no matter which investment vehicle you choose, it should at least have a long-term benefit. Doing this minimizes the risk of losing all your money while making sure your cash gains much higher returns on each investment. There are many ways to invest in Malaysia—unit trust, dividend-paying stocks, and bonds are some potential areas worth investigating. You can consult your financial adviser to find the best investment plan in Malaysia that can grow your money more without much greater risk. After you’ve decided which funds to invest, follow the cool tips laid in this guide to grow your money as you keep it as safe as possible.

Travel Guide: 7 Ways to Spend a Lavish Weekend in Kuala Lumpur

Visiting Kuala Lumpur will give you a real sense of adventure. It has transformed into a modern city but at the same time, Kuala Lumpur has managed to keep its rich cultural and historical heritage. It is home to some of the world’s iconic landmarks and fantastic food. It was dubbed as the melting pot of cultures and traditions. If you are looking to spend a fancy weekend in Malaysia’s capital city, here are the best ways to do it:

 

  1. Book a villa with a private pool. Imagine yourself having a soothing bath while enjoying quiet time with your loved one. Nothing is more splendid than relaxing in a villa with a private pool. This is ideal for couples and families who wish to spend quality time on a weekend.

Book a villa with a private pool

 

  1. Observe marine life at the Aquaria KLCC. There are no beaches in Kuala Lumpur but you can see marine life and animals from Malaysia and around the world at the city center when you visit this huge aquarium. This is the best place to go when you have kids. They will get to see a great range of marine life in different sizes, from fish and turtles to sharks and stingrays.

Aquaria KLCC

 

  1. Get a massage at the Ozmosis Health & Day Spa. This spa is extremely popular for its deep tissue massage. The massage feels so good it hurts. This is a nice way to get rid of the body’s aches and pains especially if you have sore tired muscles from a long flight.

Ozmosis Health & Day Spa

 

  1. Shop until you drop at the Pavilion. This shopping center offers discounts to tourist. Just bring along your passport to avail the privilege card. You will find many branded stores in this mall. It’s also a nice place to visit if you are looking for Asian cuisine. It has a huge food court within the complex.

Pavilion

 

  1. Go on a movie night. Theaters like GSC and TGV Cinemas offer good, comfy seats. Watching movies is easier as ever because most cinemas offer booking online.

GSC and TGV Cinemas

 

  1. Sign up for a food tour. The best way to experience the taste and flavors of Malaysia is by availing a culinary walking tour. There is food trail walking tours that offer a three to four-hour journey where you could taste a wide range of cuisine including Malay street food, Indian treats, Chinese food, and even sweet and savory treats.

Food tour

 

  1. Chill out at the VCR café. This coffee shop boasts a great ambiance and lively interior. It is known for their serving of “The King,” or the Banana peanut butter cake. This is an ideal place to go if you want to experience dining in one of the best breakfast places in the city.

VCR café

 

Before you go, make sure to get the facts on the local transit system, weather, and currency. As for exchanging currency, go for the moneychangers in the local shopping areas. They offer better rates than banks. It is also convenient to ride a taxi or a light rail transit when going around Kuala Lumpur.

JUMPSTART YOUR CAREER IN MIRI – A Guide on Applying For A Job In Miri

The city of Miri in northern Sarawak, Malaysia, is home to the nation’s oil and gas industry. With its growing prosperity, locals and foreigners alike are enticed to work in this modern metropolis. The industry sectors with potential for growth, not to mention in-demand and high-paying jobs, can be found here.

In case you are on a job hunt, Miri can be the perfect workplace. Start navigating various employment search engines to see the posted Miri job vacancies. Who knows, your dream job might just be on the horizon.

A Guide To Applying For A Job in Miri

Miri will never run out of career opportunities as critical industry sectors are based in this developed city. Employment in the oil & gas industry, for example, are mostly technical like in engineering or manufacturing; and would require certain credentials to qualify.    Therefore, it is important to ascertain if your education, work experience, and expectations to match the job opening when preparing your application.

  • Build A Comprehensive CVBuild A Comprehensive CV and apply for Miri's job vacancies

Your CV should contain detailed information on your educational attainment, internship training, work experience, and necessary skills to perform well on the job. Your personal background, contact particulars, and references should be readily verifiable. However, this doesn’t mean that you should include every detail of your academic and past professional life. Only provide skills and background relevant to the job. As a rule of thumb, your CV should not exceed one page.

  • Study the Industry

A major component in job hunting is knowing the industry in general and the employer in particular. It pays to do extensive research on the industry and the salary scale range. Learn more about your target company, its competitors, and the job scope. You should be able to show that your in-depth knowledge of the industry makes you the perfect candidate. Even though it sounds like tedious work, researching the company you’re applying for will pay off, especially during the interview.

  • First-Rate Communication SkillsProject an aura of confidence in appearance and communication skills helps you in jobs finding in Miri

Project an aura of confidence in appearance and communication skills. Have a good command of the English language, both written and verbal. Excellent communication skills and how well you can articulate your views or opinions would define your readiness in the professional world. If need be, take a communication course. Doing fake interviews with friends or family may help too, as you practice transferring your thoughts into words in the most convincing way.

Your education gave you the theoretical foundation in preparation for the professional life ahead. However, the transition to the real world is tough. Deliberate planning is crucial if you are to hurdle the application stage. Once accepted, the ball is in your hands to jumpstart your career.

Make it Fun and Romantic: 5 Ways to Keep Romance Alive in KL

Kuala Lumpur

More than just Malaysia’s capital city, Kuala Lumpur (fondly known as KL) has emerged as one of the top tourist destinations in Southeast Asia. Travelers from around the world come flocking to this bustling metropolitan region to soak in the sights of soaring skyscrapers and historic structures, in addition to embracing Malaysians’ favorite pastimes – eating and shopping.

As there’s plenty of things to see and do, KL is becoming a desired getaway for honeymooners too. With various types of accommodation available, searching for a romantic hotel in KL is fairly easy. Make your trip to KL a memorable one – here are the Top 5 must-visit places and activities in this tropical city.

  1. Sky-High Fine Dining An amorous escapade is incomplete without a romance-filled evening. Impress your significant other with an elegant dinner for two at Cantaloupe at Troika Sky Dining. Located at the 23rd floor of The Troika, its food selections are influenced by French, Italian, Spanish, and Greek flavors. As the restaurant features floor-to-ceiling glass windows, you and your sweetheart can marvel at the magnificent view of beautiful KL city while savoring delectable fusion cuisines and handcrafted coffees.

Sky-High Fine Dining

 

  1. Sunset-Watching A beach is not the only dreamy spot to catch the sunset – try doing so from a helipad! If you like sunsets and picturesque skylines, Heli Lounge Bar at Menara KH offers the perfect setting for you and your partner to watch the sun go down. With gorgeous evening skies as the backdrop, this place is also perfect for taking Instagram-worthy photos and having deep conversations with fancy drinks in hand.

 

  1. Fun for All Treat yourself and your loved one to a luxurious hotel experience at Sunway Resort Hotel & Spa. Situated in Bandar Sunway, Petaling Jaya, this 5-star hotel is 25 minutes away from Kuala Lumpur. A popular resort among couples and families alike, you can expect nothing but top-notch services and facilities here. With the Mandara Spa within its vicinity and quick access to Sunway Pyramid mall and Sunway Lagoon theme park, there is something fun for everyone!

Sunway Resort Hotel & Spa

 

  1. Meet Some Feathered Friends Nature-loving couples will surely appreciate a trip to the Kuala Lumpur Bird Park. Hailed as the largest covered bird park in the world, it houses over 3,000 birds from 200 various species found worldwide. The park is separated into different sections according to species, however, the birds fly freely within their respective aviaries. Take a romantic stroll on the tiled walkways and be amazed with the sights of colorful feathered creatures and landscaped gardens. This park offers other family-friendly facilities such as a playground, exercise stations, and rowing boats.

 

  1. Going French When it comes to romance, one will think of Paris, France. Maison Francaise at Jalan Changkat Kia Peng is the closest you can get to the city of love. Set in a quaint European-style three-storey bungalow, this restaurant exudes sophistication with its black-and-white interior, crystal chandeliers, and paintings of French artistes adorning its walls. You’ll be treated to a sumptuous feast featuring French classics with a twist. Complement your fine dining experience with some fine wine – take your pick from over 150 premium French wines available.

Maison Francaise

 

With an eclectic mix of natural attractions, unique cultural architectures, sky-high buildings, and good food, this lively city is worth exploring with your loved ones. Kuala Lumpur is truly a city that never sleeps.

Fitness Made Fun: 5 Easy Ways to Make Exercise More Enjoyable than Ever

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In Malaysia (especially in the urban areas), there are two main reasons why people exercise. They either seek the results or find the workout process itself enjoyable. People are more likely to give up on exercise when they fail to see any results. How many times have we heard people say they developed the habit of exercising out of self-discipline? That looks easier said than done. So instead of forcing ourselves to be disciplined, why don’t we just make exercise more fun? Here are 5 ways you can do to motivate yourself to exercise at times when you really don’t want to:1

  1. Join Zumba dance classes. There are people who prefer to be “lone wolf” when they jog, run, or hit the gym. But when it comes to dancing, isn’t it better when you do it with a group? Sweating it out with your favorite music is just one of the best things about joining dance classes. Going social can also help maintain your motivation.2
  2. Treat yourself. The reward can be as simple as watching your favorite TV show when you get home. Or if you feel like looking good will inspire you to keep moving, accessorize with that nice sports watch or kit bag you have always wanted to buy for yourself. It would not hurt to buy a pair of quality sneakers, too.3
  3. Always remember your reasons for working out. Many girls have the “I can’t wear shorts” mentality because their legs were too fat. If you always wanted to try a sexy outfit but not brave enough because those thunder thighs are showing, why not use it as a motivation to work out?4
  4. Put an exercise gear. Would you believe that simply wearing exercise gear can motivate you to do a physical activity? A research at the Northwestern University in 2013 revealed that a proper exercise gear can push people to sweat it out. However, that does not mean you should spend all your money on the proper attire. Wear the basic gym outfit and invest as you go along.
  5. Try video games that will require you to move your body. If you are on the techie side and love video games, “Exergaming” could be the perfect one for you. With a TV and a console, you can burn calories by playing dance games, boxing, kickboxing, and more. You can also take advantage of smartphones game that will require you to keep moving.

In the end, what matters most is you find something that you genuinely want to do. When a certain exercise already felt like a chore, stop it. It is better to work out when you don’t even realize you are doing it.

5 Insanely Easy Ways to Refresh and Recharge Your Skin in A Tropical Climate Setting

Related imageMalaysia and its climate support many great activities that keep you busy and having fun every day. Unfortunately, all that excitement may take a toll on your skin and leave your skin looking dull and less than your best.
Fortunately, some simple modifications in your weekly routine can regenerate and improve your skin and help you to look more youthful and vibrant. The following five tips will help you restore your skin to look its finest.

1. Get a full daily supply of vitamins
Without essential vitamins, your skin cannot regenerate. Like many active people in Malaysia, you probably don’t eat as well as you should due to your busy schedule. But you need to take the time to eat balanced meals as often as possible. Vitamin supplements can help ensure your body and skin get all the critical vitamins needed to stay healthy.

2. Don’t forget to exfoliate your skin
You need to remove the dead skin cells from your face and the rest of your body to help your skin regenerate. You can use natural exfoliates, like oatmeal, or buy a good exfoliating scrub. Exfoliating once or twice per week will contribute to getting rid of skin discoloration as well as dead skin cells while making way for new cells.

3. Use a face mask

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A face mask helps to moisturize your skin while giving it essential nutrients and vitamins. It also contributes to cleanse your pores and prevent acne from forming. A face mask can treat many types of skin, from oily to dry, and help to promote new skin cell growth. You can find where to buy the best face mask by learning your skin type and reading the list of ingredients meticulously.

4. Improve your sleep quality
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You need at least six hours of sleep every night to let your skin regenerate naturally. As you sleep, your body creates new skin cells. The less sleep you get, the more you inhibit the growth of those new skin cells.
You can improve your sleep quality by avoiding caffeine during the hours leading to your bedtime, getting in some workout during the day, and ensuring your bedding and mattress support long slumbers.

5. Treat your eyes
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A simple, yet effective way for you to help get rid of those sagging bags and redness beneath your eyes is to treat them with dampened tea bags or cucumber slices. The juices in cucumber slices are anti-inflammatory and work wonders to get rid of baggy eyes.

The acids in tea help to remove discoloration and promote new cell growth. Both are inexpensive, readily available and highly effective beauty aids for your skin.

If you are like most people in Malaysia, you are among those who could benefit from one or all of the five tips for helping to regenerate your skin. Some simple and cost-effective beauty aids can make a big difference in your appearance when you take the time to let your skin regenerate new cells. The result will give your skin a more youthful and vibrant appearance.

A TASTE OF THE GOOD LIFE – 5 Ways to Experience the Jet Set Lifestyle in Malaysia

A TASTE OF THE GOOD LIFE

Have you ever fancied a jet set lifestyle? Certainly, your tastes are no different from the affluent and sophisticated. You do not need a private jet to live out your fantasy. Clear your calendar and bring your family to glamorous Kuala Lumpur. People now can find a deluxe villa in Malaysia for that ultimate lifestyle experience.

 

Jet setters travel in style. Flying to exotic locations in pursuit of adventure is a whim. Your objective is entirely different and you are a socialite in your own way seeking to fulfill a lifelong dream. Here’s how you can experience the jet set lifestyle in Malaysia:

  1. First, your frame of mind should be that of a true blue jet setter. Be prepared to conform to the country’s rich culture. Every travel of seasoned high-flyers is to enhance their experience. Discovering a whole new world means moving away from your comfort zone and blending in with the cultural heritage.

 

  1. The Island of Langkawi is one of the most beautiful landform sites in Asia, if not the world. Distance yourself from the maddening crowd and jet set your way into this surreal tropical island. A jet setter’s vacay is not complete without basking in the sun while enjoying a quiet space at the beach.

 

  1. The taste buds of the well-travelled are always burning with sensation. You can savor the authentic taste of Malaysian and foreign-inspired popular dishes in shop house-lined streets or in the glam restos atop high-rise buildings. Jet setters have no qualms about eating in casual places or exquisite bistros.

 

  1. The Sunway Pyramid shopping mall located in the Sunway Resort City is the shopper’s paradise of the globetrotter. This is the haven for your retail therapy. Your spectrum is wide to navigate the whole stretch filled with branded outlets and F&B galore. Literally, it is a shop till you drop affair. Anyway, a jet setter will always look for quality items when going on a spending binge in a humongous marketplace such as this one.

 

  1. When you find a deluxe villa in Malaysia, expect the best swinging taste of the good life. Jet setters prefer to stay in private accommodations with lavish dimensions. A private pool surrounded by a lush colorful garden is the perfect couple or family recluse. Pampered is an understatement. Living in this sanctuary for a day or two should be enough to experience the lifestyle of the wealthy less the worldly stress.

 

You can always dream, plan and arrange for a vacation to get away from it all. However, to experience a jet set lifestyle for a fleeting moment is priceless. Mass-market travel is not the trait of the jet setter. You are distinguished by your sense of purpose and luxurious taste. A once-in-a-lifetime splurge ain’t so bad if the travel moment you desire is aristocratic. Do not dream about it, live it!

plan and arrange for a vacation

Affordable Luxury: 7 Ways to Experience Travel in Luxury for Less

girl-travelling-soloTraveling has become ubiquitous whether you’re out for a holiday or traveling across oceans for work. At the same time, traveling in style and luxury is an emerging trend. While 5-Star Hotels and high-end lounges signify extravagant trips shared on social media, luxury travels can be costly. With mobile apps and technology making wanderlust easier and more affordable, here are seven tips to access luxury for less for the modern traveler.

 

  1. Revel in a Complimentary Airport Lounge

Instead of slumming it out in the designated waiting area, wait for your flight in the lap of luxury using credit cards like the KLIA premium lounge credit cards that grant you access to the best airport resting areas free of charge.

 

  1. Utilize Online Travel Deals

If you have plans to visit scenic travel spots and eat at famous restaurants, sites like Klook and Groupon allow you to book reservations in advance for a fraction of the price. Imagine being dropped off your hotel in a limo for the price of taking a cab. Online coupon sites have a deal for almost everything.

 

  1. Travel during the Off-Season

When you go during the peak season, prices are exorbitantly high. While in the off-season, the 5-Star Hotels and Michelin-starred restaurants will afford you the same luxury for a fraction of the price.

 

  1. Pre-book Wi-Fi

Staying connected in a different country grants you the luxury of convenience. You can book affordable Wi-Fi routers through websites like Flytpack. Google Maps your way around the city or book last-minute reservations wherever your sense of adventure takes you.

 

  1. Stay at an AirBnB

Instead of reserving a room at the Ritz, try staying at a well-reviewed AirBnB. You’ll not only save money but experience an accommodation with a punch of personality and meet local tour guides for a more authentic experience.

 

  1. Splurge during Lunch

Food is a landmark all of its own when traveling. You’re able to taste the flavors of what makes up the locale; however, good and authentic food can be quite expensive. A great tip to eating at renowned restaurants is to head there during lunch. Meal sets and lunch specials afford you quality for a fraction of the price.

 

  1. Extend a Work Trip

While flights can be expensive, extending a work trip a few days saves on costs while merging work and play. Apps like Tripit can build an expansive itinerary that suits what you’re looking for whether it’s to taste gourmet fare or explore the locale’s history.

 

For the savvy traveler like yourself, save these easy-to-follow tips on your mobile device and enjoy a luxurious vacation in an affordable way.

Mountain Bike or Road Bike? Three Reasons MTB Is Better

21 OCT 2011:  Mountain biking the trails of Deer Creek in Littleton,CO.

With more and more people getting interested in the sport of cycling or biking whether it’s for leisure, health, or for practical daily transportation, biking has indeed become a very popular activity for people in urban and rural setting alike. There are several types of bikes out there and if you want to try biking, it is best to find out first which type of bicycle suits your needs, personality, and environment.

The two most popular types of bikes are road or racing bikes and mountain bikes. A few people have also sported what is called a hybrid bike, which is a combination of the two bikes. Although racing bikes have become popular because of the Tour de France and other triathlon events around the world, mountain bikes have also gotten their niche market. Here are three reasons why you should try mountain bikes:trial

  1. MTBs offer a better workout for your body Since mountain bikes are built to be used on rough terrains, riding them needs more dynamic fitness which results in more intense cardio exercises and muscle workouts. Also, mountain bikes give riders a more comfortable and relaxed riding position than a road bike.ride-sierra-nevada-trails
  2. MTBs are more durable Unlike racing bikes which can only be used on smooth pavements and roads, mountain bikes are meant to be driven on off-road trails and terrain. Therefore, these bikes are expected to be more durable and stable, using wider tires and more heavy duty frames designed to withstand minor crashes. 3. Mountain bikes are cheaper compared to road bikes Bicycles and their prices vary tremendously based on the parts and specifications that riders and owners put into theirs. However, generally speaking, mountain bikes are much more affordable and easy to build compared to road bikes. With more and more bicycle shops around town, and even online, finding the bike essentials is not much of a hassle.

So, if you’re now convinced and interested in buying a mountain bike for yourself, you may start checking out different models and brands to see what suits you perfectly. You may also click here to shop for mountain bikes and choose an MTB among the wide selection.

4 Luxury Suites to Host Your Romantic Getaway in Kuala Lumpur

Dinner dates and rose bouquets may be cherished by most lovebirds, but a romantic getaway definitely ranks high on every couple’s list. If cupid has been nudging you to plan a dreamy vacation for your loved one, it’s time to get those wheels turning and chart the best couple’s holiday yet. While there are many romantic hotel suites in Malaysia, we all know that the best ones remain in the heart of Kuala Lumpur.

 

  1. Sunway Resort Hotel & Spa Situated in the prime estate of Kuala Lumpur, Sunway Resort Hotel & Spa definitely has accessibility as one of their best perks. If you and your loved one are planning to check out from the city’s hustle and bustle, stay the night at The Villa, where you two will be treated with the serenity of a private pool villa. With the infinity-edge plunge pool, deep sunken bath, and private balcony within reach, you may find yourselves wishing that The Villa is your permanent love nest.

Sunway Resort Hotel & Spa

 

  1. Villa Samadhi Kuala Lumpur Adorned with equal parts rustic and luxury, it’s hard to believe that a paradise such as Villa Samadhi exists in the heart of Kuala Lumpur. Well-loved by honeymooners and staycation couples, prepare to be swept off your feet by the room’s spaciousness and features such as a king-sized bed, mini-bar, and rain shower. To make the most of your romantic getaway with your loved one, this luxury boutique hotel can even arrange a Vespa-themed heritage food tour and a day trip to the nearby elephant sanctuary.

Villa Samadhi Kuala Lumpur

 

  1. Hotel Maya Kuala Lumpur It’s easy to fall in love with a boutique urban resort such as Hotel Maya Kuala Lumpur. Delightfully furnished with contemporary accents, every room is decked out with the best modern comfort for love birds visiting Kuala Lumpur. Stay the night at the Junior Suite that was designed with honeymooners in mind. Kitted out in comfortable beds, spacious bathtub and an amazing view, remember to set aside an afternoon for their top-to-toe massage therapies, bath and body treatments, as well as their indoor hydrotherapy pool.

Hotel Maya Kuala Lumpur

 

  1. The Ritz-Carlton Hotel Dipped in opulence and luxury, The Ritz-Carlton Hotel definitely comes to mind when we think about an extravagant getaway in the city. For deep-pocketed lovebirds who wish to splurge on their stay, there’s definitely a room for you in this gorgeous hotel. With a butler service to serve your every need, snuggle up together in the feather bed and down comforter and relax in the roomy marble bath with Asprey bath amenities by your side.

The Ritz-Carlton Hotel

 

If your anniversary or any special celebration are around the corner, jet set to a romantic getaway with your significant other in the city of Kuala Lumpur. With many romantic suites to host your intimate escapade, you and your loved one can definitely find the perfect love nest from these luxurious getaway choices.