HappyFresh, Professional Yet Affordable Grocery Shopping

You just saw this interesting recipe on Facebook, it looked absolutely delicious and looks pretty easy to make. When you open the fridge and search the pantry, you discover you’ve run out of garlic, ginger, and spring onions. Ok, you decided to go to the nearby convenience store to grab them and come back. 

Your children are hungry and your boss needs you to complete a task since you work from home now, but grocery shopping shouldn’t take long, right? 

You drive to the nearby store, but they don’t sell spring onions, you drive to another shop, but they ran out of ginger. You go home and decide that you would just settle for a simpler dish for your family. You are slightly disappointed, so are your children.  

Shop smarter, shop more efficiently 

Many of us have the misconception that we will save money by doing everything ourselves, but we often forget that time is money. 

Money spent can be earned back, time wasted is gone forever. Traffic jams and long queues waste valuable time, time that could be spent on more productive work. That is why it makes perfect sense to get others to pick, pack, and deliver your groceries! Now you can spend quality time with your family and focus on things that matter most to you. 

How does it work?

On the HappyFresh app, you can pick and place items in your shopping cart that doubles up as a grocery list, the team of trained personal shoppers from HappyFresh will then pick out the best item and freshest ingredient for you! 

Furthermore, you can opt for them to call you if the items run out of stock, and they will suggest replacement items. They will then pack it nicely to be delivered to you! That is convenience right at your fingertips! 

Besides that, you get to save money too! How? The price of the items purchased are the same as in-store, you get exclusive promo deals, lower delivery fee, and HappyFresh Rewards (collect points everytime you shop). Pay securely via credit and debit card, DuitNow or E-wallet, or Boost and Grab Pay.

One of the crucial advantages of using HappyFresh is that you get your groceries much quicker and get your fresh food delivered within the same day! 

The convenience of getting your groceries delivered cannot be overemphasized when we are living in the middle of a pandemic, whether you are in self-quarantine, or you want to deliver groceries to your parents living further away, convenience is just a tap away. 

Exclusive deal for first time users

HappyFresh now offers an exclusive deal for first time users! Just key in the promo code MYFIRSTFD to be entitled to FREE delivery + 3000 bonus points. Free Delivery with a minimum spend of RM30, open for NEW customers only. 

HappyFresh is now also available in Kedah, Kelantan & Seremban, simply key in your postcode to find the nearest retail hypermarket or pharmacy. 

What are you waiting for? Download the HappyFresh app to enjoy all the rewards and benefits! 

Keep an eye out for their latest promotions on Facebook & Instagram

5 Wealth Creation Hacks

Photo Credit: Mighty Goodness

One thing the arrival of an unforeseen pandemic taught us is that saving up does pay off during rainy days. With the economy now opening up, people can still enjoy their lives without worrying about what comes next, be it another MCO, pay cut, or losing their 9-5 jobs. Those without much savings had the hardest time while those with a little bit of extra money started worrying about the expenses of the coming months. It is no wonder many people are starting to look into various investment channels to grow their personal finances. 

However, there are also a majority of individuals with a misconception that investing is very risky as they have witnessed acquaintances or family members falling into the trap of get-rich-quick schemes. With that said, it is crucial to first make sure that your choice of investment medium is safe and legit. If you’re interested to find out how you can generate passive income and work towards becoming financially free, here are 5 ways of investing that will surely help you to build your wealth.

1. Wealth Building Starts With You

The first step to building your own wealth is to take the initiative and do your research on different channels that will allow you to increase your personal financial value. It is also important to be open to learning new things as you will come across many information and knowledge that might not be familiar to you. Don’t be afraid to invest your time and effort when doing your investment homework as it will help you in achieving your goal of having a stable financial future.

2. Save a Percentage of Your Salary

A conventional way of saving up is to save a percentage of your monthly income. By doing so, you can see results in your bank account but the escalation to a higher amount takes a long time and a lot of self-discipline. The downside of this strategy is that not everyone is lucky to have a high-paying job that allows them to segregate their salaries every month for savings and expenses. Especially when businesses and workplaces these days are affected by the virus, it can be difficult for many to apply this method of saving for the future.

3. Choose Legit Investment Tools

One of the mistakes that many people make is that they spend their savings on online gambling, money games, MLM, and get-rich-quick schemes in hopes to double or triple the initial amount. In no time, you will realize that these worthless investments give you no control to maximize your investments as they are run by third parties. With that said, take your time to find out more on various investment tools and figure out what works best for you and is worth your time and money.

 4. Diversify Your Investments

There is a growth of interest in investment as more people are exposed to building their wealth through various mediums and are keen to stabilize their finances for the future. Some of these investment types include fixed deposits, real estate, and business ventures. However, the mentioned investments might not be made for everyone and might not fulfil financial expectations. For example, fixed deposits have lower risks but come with low-interest rates, making them suitable for a long-term goal but not a short-term one. Investing in real estate requires a lot of research and time, hence it is unsuitable for those who are not interested in property. Starting up a business or joining one demands full-time commitment and constant ideas to keep the ball rolling, but not everyone can do it.

5. Participate in Workshops That Give You Value

Join wealth-building workshops that can elaborate and teach you on the strategy of the 3 important steps of investment. From there, you will be able to identify great businesses, learn how to invest in them, and finally, generate consistent returns. It is okay to go in with zero knowledge as long as you have the interest to learn how to identify a good stock.

Reduce your financial worries by learning the right investment strategies to help you make better judgments when it comes to generating safe & consistent returns through stock investing. A simple and effective investing framework will be shared alongside tested and proven investing strategies and many more. Through this masterclass, you will also find out how you can invest in USD, earn in USD, and spend in RM. During the LIVE online masterclass, you can ask any related questions that you may have to further improve your investment skills. Equip yourself with the best investment skills and tips with VI College today!

Join VI College’s Online Masterclass now to start your wealth-building journey!

Established in 2003, VI College is the alma mater to over 55,000 students around the world and has been featured in numerous news and media including CNN, Channel News Asia, Australia Financial Review, and more.

Checklist for students and parents on the reopening of Malaysian university campuses from Oct 15

After a long period of online learning, the reopening of campuses will apply to all tertiary institutions in all states in October – AFP pic.

KUALA LUMPUR, Sept 25 — The announcement by the Ministry of Higher Education (MoHE) on the resumption of campus classes from October 15 onwards was much anticipated.

In the announcement, the ministry said the reopening of campuses will apply to all tertiary institutions in all states, regardless of which phase of the National Recovery Plan (NRP) they are at respectively.

To encourage enrolment, the ministry has also announced a 20 per cent discount on fees for all local students enrolling in all public universities for the 2021/2022 Semester One session.

Before we get all excited, there are still several prerequisites one must fulfill and we have prepared a simple checklist for those involved (students and parents) in the resumption of face-to-face classes.

1. Are you vaccinated?

First and foremost, only university students, non-academic staff and academic staff who are fully vaccinated against Covid-19 will be allowed to enter their respective campuses.

The government’s definition of fully-vaccinated individuals applies to those who have passed a 14-day period after receiving the second dose for double-dose vaccines (Pfizer, AstraZeneca and Sinovac) and those who have passed the 28th day from the day they were injected with single-dose vaccines (Johnson & Johnson and CanSino).

But what if you are not able to be vaccinated due to health reasons? Worry not, those concerned will have to liaise with their respective tertiary institutions to coordinate further.

2. Do you have the necessary documents?

Now that you have fulfilled the most basic and crucial requirement, it is time to prepare the necessary documents for travelling purposes as interstate travel restrictions are still being enforced under the NRP.

Two important documents are required: permission or offer letters from your respective tertiary institutions to travel to their campus and permits from the police (for those in Sabah, Sarawak and Labuan).

However, students and staff looking to return to campuses in East Malaysia would also be subject to regulations and standard operating procedures (SOPs) set by the respective state governments.

3. Have you been tested?

It must also be noted that students wishing to return to campuses must undergo a RT-PCR Covid-19 swab test as well, apart from the conditions listed above.

Students who are returning to their campuses in Sabah, Sarawak and Labuan are also required to undergo screening three days prior to their travel and are subjected to further quarantine measures enforced by the state government.

Taking into account the screening costs, the government has also decided to provide such tests free of charge at all government health clinics.

4. Modes of transportation allowed

Now that you have fulfilled almost all the important pre-conditions, there is still one more matter concerning the movement of varsity students nationwide.

There are three options students can opt for: personally-owned private vehicles, being dropped off by their parents who must also be fully vaccinated, carpooling with fully immunised individuals, or through air travel.

With all the above conditions satisfied, you are now ready to embark on your journey for the 2021/2022 academic year.

Of course, there may be some lingering questions and uncertainties to be resolved as well… and here they are:

1. What if I do not want to attend face-to-face classes, would that be allowed?


Students unable to return to their campuses for various reasons such as incomplete vaccinations can still choose to attend online and hybrid lessons for their respective programmes from their current localities. 

This depends on the subjects offered though so it is best you check with your tertiary institution.

2. What if I have a fever or exhibit symptoms upon my arrival on campus?

You would be referred to the university’s health centre or hospital for a more comprehensive Covid-19 screening and quarantined at an isolation centre prepared by the campus authorities.

3. Would laboratory, workshop or research activities be allowed? 

Yes! Provided that the capacity on the use of laboratories or space is in accordance with the prescribed SOP.

4. Would mandatory MySejahtera usage apply to all university campuses?

Yes! This is to enable contact tracing to be conducted by the Health Ministry.

Alternatively, students can also contact the 24-hours Ministry of Higher Education Covid-19 Operational Room at 03-8870 6777 / 6949 / 6623 / 6628 or access the ministry’s official website for the latest information including matters relating to transportation and admission.

Missing car maintenance details can cost you more than it should. Here’s how you can easily book and keep track of your car service online.

With the long-drawn MCO and daily grind, the days blur from one week to another and makes it easy for many car owners to miss important maintenance schedules. It does not matter whether your car is still under warranty or not. Skipping the replacement or servicing of parts of a car is hazardous to your safety as well as heavy on your wallet.

The following is a non-exhaustive list of things that could go wrong without timely car maintenance: 

1. Shortened engine lifespan

The engine oil and filter should be replaced regularly if you want your car to operate properly. These items help to protect your engine and extend the vehicle’s life. Dirty filter and engine oil will damage components of an engine over time.

2. Transmission oil problems

The importance of changing the transmission oil according to schedule cannot be stressed enough. In fact, it is even more critical for automatic transmissions. The transmission fluid keeps your car’s gearbox cool and moving smoothly. However, this fluid becomes dirty after a certain number of miles or months. 

Not replacing it and the transmission filter accordingly can cause the gearbox to become clogged. Over time, this can result in massive repair costs or total damage. Besides that, it is critical to check the transmission box for leakages as well. A leak leads to poor acceleration, delayed responses, and gear slippage. 

3. Emissions system releases harmful gasses

Most modern vehicles have a computerized engine that controls your car’s emissions. Sensors monitor the exhaust and pollutants released by the engine. This system should be inspected once a year to keep you, your passengers, and the planet safe from harmful gasses. A neglected system also causes poor fuel consumption which then increases your monthly petrol expense. 

4. Accidents due to tires

Tires that are not serviced will wear unevenly. This causes your car to have poor grip and risk spinning. Badly worn tires also affect vehicle performance and gas mileage. A mechanic is trained to see whether your tires need rotating or changing. 

5. Timing belt snapping

Some car owners make the mistake of not changing the timing belt after 60,000 km. Although it may still appear to be in good condition, it is advisable to replace it as the consequence from the belt snapping is far more pricey. If a timing belt snaps while the engine is running, the engine may end up with broken valves, damaged pistons, or totally destroyed cylinder head. You may end up needing a total overhaul of the engine. 

6. Brake failure

The clutch plate and brake fluid should be checked by the mechanic during service. Brake fluid should be replaced every 60,000 km. The clutch plate may need to be repaired or replaced over time too. Both of these are essential for safe driving.

What can SERV do for you?

With SERV, you’ll be able to service your car in a timely, safe, and stress-free manner. SERV is an all-in-1 mobile application with all the possible car-related services and more!

1. Find the nearest and most reliable workshop

The app allows you to keep track of all your car maintenance details. Whenever you need to service your car, just choose the best workshop from the many registered merchants on SERV. The app is extremely useful as you can view the workshop’s facilities and user ratings. 

2. Book and pay online

Simply book an appointment with your chosen workshop using SERV. The app practically makes the entire process contactless throughout the service. After receiving a quotation, scan the QR code and the workshop will start working on your car. Then, pay the workshop via the SERV app. Online payment keeps you safe from handling cash or documents, and the risk of withdrawing large sums of money at ATMs.

For a limited time only, enjoy RM15 cashback for your Touch ‘n Go eWallet as well for every minimum spend of RM150 using TnG via the SERV app! The promotion period will be valid up until 31 December 2021.      

3. Get appointment reminders

Book your next car servicing appointment via the app. Select your preferred workshops on the Drive-In list tab, then choose your preferred time and date. SERV gives you a reminder so that you don’t miss the appointment.

4. Earn more rewards

The Loyalty Programme allows users who consistently request for our maintenance services to stand a chance to get rewarded with mysterious gifts from SERV workshops. There are also constant workshop promotions which you can avail of (T&C applies).

5. Store essential information on your car

Very often, the mechanic will ask for certain data about your car in order to service it properly. This includes the car model, year of manufacture, engine, and other specifications, and chassis number. Having this information at your fingertips is especially useful for those who may find it hard to remember such technical details.

6. Enjoy all-round ancillary services

Get road assistance service for breakdowns, accidents, battery replacements, as well as insurance and road tax renewals. Track your car maintenance status with ease via the SERV app.  

Download the SERV app today to enjoy all the reliable car services at your fingertips. Available on Google Play and Apple App Store.

ASEAN BAC Malaysia Consultation Meeting: Malaysia should leverage China’s expertise in cutting edge technology and find ways to intensify cooperation

The ASEAN Business Advisory Council (ASEAN-BAC) Malaysia held a consultation meeting last Friday with the China-ASEAN Business Council (CABC), The Associated Chinese Chambers of Commerce and Industry of Malaysia (ACCCIM) and Malaysia-China Friendship Association (PPMC). to discuss Malaysia’s efforts in attracting foreign direct investment (FDI) from China and its business communities.

China has been Malaysia’s largest trading partner for 12 consecutive years, with Malaysia being China’s second-largest trading partner in ASEAN and bilateral trade totalling US$131.16 billion in 2020.

1. RCEP to elevate bilateral trade, investment, and cooperation

Both countries are also parties to the Regional Comprehensive Economic Partnership (RCEP), a free trade agreement among 15 Asia Pacific nations that collectively account for 30% of global GDP.

“We are convinced that the RCEP’s ratification will become an important pillar of global economic recovery in the post-epidemic era,” said CABC Secretary-General Ms Jennifer Liu.

As such, the CABC urged enterprises from both countries to jointly seize the opportunities brought about by the RCEP, particularly in the areas of industrial and talent development, as well as in initiatives to accelerate digital commerce.

The Associated Chinese Chambers of Commerce and Industry of Malaysia (ACCCIM) President Dato‘ Low Kian Chuan concurred, saying that bilateral trade and investment between the countries is expected to scale to greater heights not only due to the enlarged market share within each country but also in other RCEP markets.

“Through better trade and services liberalisation, Malaysian companies, especially small and medium-sized enterprises (SMEs) must rise to the occasion and make the most of opportunities as they present themselves despite the challenges that they may come with,” said Dato’ Low.

2. Malaysia and China can benefit from a mutual interest in high-value industries

Beyond digitalisation, the panellists also highlighted the many possible areas for collaboration higher up the value chain.

Malaysian Investment Development Authority (MIDA) Deputy CEO (Investment Promotion & Facilitation) Mr Sivasuriyamoorthy Sundara Raja said that the country particularly welcomes collaboration and investment in high-value sectors. This, he said, would include service sectors such as information and communications technology, data analytics, design and development.

InvestKL’s Director of Investor Relations (Asia) Mr Mah Chun Wai echoed this sentiment, saying “China’s 14th Five Year Plan paves the way for Malaysia and China to mutually benefit from its aligned vision for next-generation industries and high-value activities driven by technology and innovation.”

ASEAN-BAC Malaysia Chairman Tan Sri Dato’ Dr Munir Majid agreed, adding that Malaysia should not only look to the west alone for new technologies but also to others closer to home such as China.

“Malaysia should work with China to set up a robotics institute given the latter’s great advancements in the field and find ways to leverage China’s expertise in cutting edge technologies to build its sustainable economy, especially in the areas of renewable energy and electric vehicles,’ proposed Tan Sri Munir.

3. Malaysia-China ties stronger than ever but there is still room for improvement

According to data from the Chinese embassy, China has been the Malaysian manufacturing sector’s largest source of foreign investment for four consecutive years, as well as Malaysia’s third-largest source of foreign tourists for eight consecutive years.

“This trend will continue for many years to come,” says Malaysia-China Friendship Association (PPMC) Vice President Mr Zulkifly Hj Zakaria, who also raised the possibility of creating a travel bubble for fully vaccinated individuals between Chinese cities and Malaysia to help with the recovery of both countries’ tourism industries in addition to exploring more opportunities within the Belt and Road Initiative.

ASEAN-BAC Malaysia Council Member Tan Sri Yong Poh Kon, for his part, congratulated China on the recent announcement of their application to join the Comprehensive and Progressive Agreement for Trans-Pacific Partnership (CPTPP) free trade agreement of which Malaysia is a signatory.

Tan Sri Yong added that ASEAN-BAC is also keen to elevate its engagement with China’s business community to gather ideas and policy recommendations that it can then share with ASEAN Economic Ministers (AEM) during the ASEAN-BAC’s bi-annual meetings with them.

ASEAN-BAC Malaysia Council Member Mr Raja Singham, for his part, stressed that greater engagement with China’s business associations was also needed since Chinese companies were not aware of the various trade, investment, and business incentives offered by the Malaysian government.

CARI ASEAN Research and Advocacy Executive Director Ms Jukhee Hong concurred, saying that ASEAN-BAC Malaysia could work with the CABC to actively engage in the ASEAN consultation process.

ASEAN BAC Malaysia Consultation Meeting: Malaysia remains an attractive investment destination but political stability needed for economic growth and investment

The ASEAN Business Advisory Council (ASEAN-BAC) Malaysia held a consultation meeting last Friday with business associations representing US businesses to discuss Malaysia’s efforts in attracting foreign direct investment (FDI) from the United States and its business communities.

“Malaysia has long been and continues to be a key trading partner with the United States. U.S. companies consistently rank among the largest employers in states like Penang and most U.S. company subsidiaries are managed by Malaysians and employ over 90% Malaysian employees.

In the manufacturing sector, the United States is second only to Japan in investments, at nearly US$25 billion, including from high-tech companies such as Intel, First Solar, and Hewlett Packard.

The continuation of a strong and collaborative relationship between the United States and Malaysia and the enhancement of policy consultative mechanisms will strengthen the business climate enabling Malaysia to continue to attract U.S. economic and commercial activity,” said Ambassador of the United States of America to Malaysia His Excellency Brian D. McFeeters.

1. Malaysia remains an attractive investment destination for US companies but more public-private dialogues needed

“Investment intentions remain healthy and foreign investors’ confidence in Malaysia remains high,” according to Malaysian Investment Development Authority (MIDA) Deputy CEO (Investment Promotion & Facilitation) Mr Sivasuriyamoorthy Sundara Raja.

Malaysia is the fourth-largest economy in ASEAN, strategically positioned in the heart of Southeast Asia where it is well serviced by all primary air and shipping lines. The country was ranked the second most competitive country in ASEAN in the IMD’s World Competitiveness Yearbook 2021.[1]

“Malaysia has made impressive achievements amidst these challenging times, as seen by its over 200% increase in FDI inflows in the first half of 2021. American businesses are encouraged by this positive growth and we hope that Malaysia will continue establishing a conducive business ecosystem with robust and resilient supply chains to spur more investments, jobs and economic opportunities,” said US-ASEAN Business Council (USABC) Senior Vice President and Regional Managing Director Ambassador Michael W. Michalak.

A conducive business ecosystem, he added, would include continuous public-private consultations to ensure that businesses are involved in the crafting of policies that would affect them, in addition to ratifying key trade agreements that Malaysia has signed such as the Comprehensive and Progressive Agreement for Trans-Pacific Partnership (CPTPP) and Regional Comprehensive Economic Partnership (RCEP).

2. Political stability is the first step towards economic growth and recovery

The need for political stability, continuous dialogues between the public and private sector, and ratification of trade agreements such as the CPTPP were common threads echoed by panellists throughout the consultation.

“We are as concerned as foreign businesses are with the dysfunction in government caused by domestic political turmoil on top of the unprecedented crisis caused by the COVID-19 pandemic,” said ASEAN-BAC Malaysia Chairman Tan Sri Dato’ Dr Munir Majid.

“We make business representations, even express personal views. But Malaysia’s attractiveness for foreign investment remains and can be enhanced. We hope that with the new government and understanding with the opposition there will be a much-needed respite for the country to get down to business for economic benefit,” he stressed.

ASEAN-BAC Malaysia Council Member Tan Sri Yong Poh Kon concurred, adding that the ratification of the CPTPP could serve as an anchor and catalyst for change since its provisions would impose a wide range of standards that both the public and private sector would need to comply with.

3. Malaysia needs to be decisive to attract value-added investments in priority sectors

Malaysia has established itself as an attractive cost-competitive investment location in the region and it is fast becoming a preferred centre for shared services and technology industries. The country was ranked the fifth top performer globally in terms of digital legal framework readiness in the World Economic Forum’s Global Competitiveness Report 2020.[2]

“Malaysia remains an important destination for American investment, but headwinds present challenges. Malaysia needs to be decisive to attract value-added investments in priority sectors when U.S. businesses re-evaluate regional investment. This includes sustainability issues on the environment and labour, and the implementation of laws promoting digital services and trade,” said American Malaysian Chamber of Commerce (AMCHAM) CEO Ms Siobhan Das Bachran.

In supporting this view, ASEAN-BAC Malaysia Council Member Mr Raja Singham opined that the country would need a stronger digital workforce if it wants to grow its digital industries.

He added that the Malaysian workforce is talented and can flourish if given the right environment, platform, and training — but this would require input from employers on where the gaps and demand for skills are.

“As a leading investment destination guided by future-proof policies and economic transformation initiatives, Malaysia continues to attract multinationals and fast-growing companies seeking a broad reach into Asia. Greater Kuala Lumpur is home to a growing number of world-renowned U.S. companies and we continue to welcome future-forward companies driven by next-generation industries to realize their vision here,” said InvestKL Corporation’s Director of Investor Relations (Americas) Ms Vivian Sia.

CARI ASEAN Research & Advocacy Executive Director Ms Jukhee Hong, for her part, stressed that there is a need for more policy dialogues to reinforce the voice of the private sector.

(From top left): Mr. Raja Singham, Council member of ASEAN-BAC Malaysia; His Excellency Brian D. McFeeters,
Ambassador of of the United States of America to Malaysia; Ms. Siobhan Das Bachran, Executive Director of American Malaysian Chamber of Commerce (AMCHAM)
(Second Row left): Tan Sri Dato’ Dr. Munir Majid, Chairman of ASEAN-BAC Malaysia; Mr. Sivasuriyamoorthy Sundara Raja, Deputy Chief Executive Officer (Investment Promotion & Facilitation) of Malaysian Investment
Development Authority (MIDA); Ms. Vivian Sia, Director, Investor Relations -Americas of InvestKL Corporation
(Last Row Left): Tan Sri Yong Poh Kon, Council Member of ASEAN-BAC Malaysia; His Excellency Ambassador Michael W. Michalak, Senior Vice President and Regional Managing Director of US-ASEAN Business Council
(USABC); Ms. Jukhee Hong, Executive Director of CARI ASEAN Research and Advocacy

[1] https://www.mpc.gov.my/malaysia-competitiveness-performance/

[2] https://www.weforum.org/reports/the-global-competitiveness-report-2020/in-full/infographics-14b60f7c60

Top 5 Most Essential Insurance Coverage

Think you don’t need insurance? Think again.

The biggest benefit of having Insurance is that it provides you with a financial safety net in the event of any unexpected incidents in your life, so that you and your family can worry less and live more. Now which Insurance should you get? Here are the 5 most essential insurance coverage, even for those on a tight budget!

1. Medical Insurance – A MUST for Everyone

Government hospitals are currently busy dealing with Covid-19, so if you need major medical treatment, you need to use private hospitals. But private hospitals are very expensive. That’s why medical insurance is a must for everyone in your family, including your children. Do you know that you can insure them from 15 days old?

Even if you were stricken with cancer, most medical plans will pay for hospitalisation, surgery and chemotherapy. You do not need a separate critical illness plan to pay for your cancer medical and hospitalisation expenses.

2. Life Insurance – If You Have Dependents

The pandemic has taught us to prepare for the unexpected. If you have dependents who rely on you for financial support, like your spouse, children or retired parents – you need life insurance.

If you die unexpectedly, life insurance will make a lump sum payment to your dependants. A RM1 million life insurance policy is common and can be bought for less than RM200 per month for a 35 year old person with a clean bill of health.

If you’re single without dependents, e.g. your parents do not depend on you for financial support, there’s no need to get life insurance. And you do not need to insure the lives of your young children because you do not depend on them.

3. Total and Permanent Disability (TPD) Insurance – Usually Comes with Life Insurance

TPD places you and your family in a worse financial situation than if you died, not only would your family have lost a source of income (you!), but you will need funds for your treatment, support and sustenance.

A lump sum payment would be given if you suffer total and permanent disability. TPD insurance is usually packaged together with life insurance. If you strictly do not need life insurance but would still like TPD coverage, consider buying life insurance with TPD packaged together.

4. Critical Illness (CI) Insurance – Consider in your mid-30s (or earlier, if your family has a medical history of chronic illnesses)

Critical illness insurance is to replace your lost income as you’re recovering from a CI, or pay for experimental therapy not covered by your medical plan, and usually paid in lump sum upon diagnosis of covered CI. Your medical insurance plan would cover your hospitalisation and treatment costs, but not your loss of income.

Critical illness would include stroke, cancer, heart-attack, etc. The CIs that are covered depends on the plan offered, there are more than 40 types. And Fi Life focuses on the 4 most frequent CIs – Cancer, Stroke, Heart Attack, and Heart Bypass.

Generally, you should consider CI insurance when you’re in your mid-thirties. But if your family has a history of cancer or other CIs, best to get one as soon as possible.

5. Personal Accident (PA) Insurance – Consider if You’re An Active Sports or Outdoor Person

A medical plan covers your hospitalisation and major surgery costs, a personal accident insurance covers costs like treatment of injury from accidents that doesn’t need hospitalisation e.g. wounds that require stitches from a clinic, or a sprain that requires physiotherapy.

Consider a PA if you are prone to injuries from sports or outdoor lifestyle, for your accident-prone children or frail parents, or if you commute to work on a motorbike.

Visit www.fi.life/medical to see the medical insurance packages that best suit your circumstances and budget.


The most essential of all insurance policies is a medical card. From now until 31st December 2021, buy a Fi Life medical plan underwritten by AXA-Affin General Insurance Bhd, and get an additional Personal Accident insurance with RM150,000 coverage for free! Click here for more information: GET MEDICAL CARD + FREE PA

Lalamove empowers SMEs in Klang Valley, Penang, Johor Bahru with zero commission, pay-per-delivery trial pack

On-demand deliveries can help take small businesses to the next level. – Picture from Unsplash

*This article is brought to you by Lalamove

Are you a business owner? Are you looking for ways to deliver your products to customers more efficiently during the pandemic? Are you looking to boost up your business’ operation efficiency for a seamless supply chain but aren’t sure where to begin?

It might be worth considering an on-demand delivery service that can help simplify your business’ daily logistics needs.

With the growth of many small and medium enterprises (SMEs) hampered by Covid-19, to have an efficient and hassle-free on-demand delivery service is important to help day-to-day operations run smoothly.

Ultimately, it all comes down to providing efficient delivery service to increase returning customers so entrepreneurs can focus on their business strategy to build sustainable growth.

Faster deliveries means your products can reach customers quickly. – Picture courtesy of Lalamove

Lalamove has been equipping Malaysian SMEs with faster and affordable deliveries through a host of multiple vehicle options. 

It only takes seconds to find a van, bike or truck for your goods, whether big or small, to reach customers quickly. 

Brands looking to get ahead of the pack will be happy to know that Lalamove has an average of eight seconds driver matching time, making the last mile delivery service provider the fastest in the business.

Its pay-per-delivery system also gives freedom to its users, especially SMEs, from fixed logistics costs and long term commitment on logistics solutions. 

Whether you run a home bakery or need to transport bulky items like furniture and manufacturing goods, this is the right delivery platform for you that is customisable according to your business needs.

You can even deliver bulky items like furniture using Lalamove. – Picture from Unsplash

Every month, more than 1.5 million deliveries are made by Lalamove to over 250,000 SME customers and regular customers in Klang Valley, Penang and Johor Bahru.

Large enterprises and start-ups are also fans of this user-friendly delivery platform.

If you’re new to Lalamove and have been wanting to test out their faster on-demand delivery service, you can take advantage of the platform’s delivery trial pack worth RM150 that is catered for SMEs. 

The trial pack is part of Lalamove’s initiative in empowering local SMEs. 

“We understand that for our SME clients, every cent counts,” said Lalamove managing director Jane Teh.

“Our delivery platform is designed to provide full flexibility for SMEs to scale their deliveries according to their needs and budget. 

“With the launch of this SME trial pack, we can further support our SME clients who are new to the platform to adopt our delivery solutions at a discounted rate.”

Lalamove’s business account is suitable for all types of businesses. – Picture from Unsplash

To experience Lalamove’s faster delivery solution and trial pack, all SMEs need to do is sign up for a business account with Lalamove.

It’s free to sign up and is suitable for all types of businesses and industries.

Lalamove is also equipped with API (application programming interface) support to integrate with your website or e-commerce platform and there’s even a dedicated account manager plus prioritised customer service support.

SMEs owners can first  enjoy a total of RM30 delivery discounts with the coupon code “LALAMSME”.

They can then consider topping-up their Lalamove wallet to enjoy additional delivery discount coupon packs that are worth RM120. 

The trial pack, only available to SMEs, is currently limited to first 1,000 redemption and expires on 30 Sept 2021.

Lalamove has fleets across the Klang Valley, Penang and Johor Bahru. – Picture courtesy of Lalamove

Lalamove’s flexible and scalable delivery model allows it to support all types of businesses, either to improve customers experience through faster goods delivery services or to provide backend support for business to boost operation efficiency during peak seasons. 

Available in the Klang Valley, Penang and Johor Bahru, find out how Lalamove can help your business thrive by signing up for a Lalamove Business Account here.

*Terms and conditions apply.

High Quality Print On Demand (POD) & Prepress – Color Separation Services in Klang Valley

Founded in 1992, Perdana Grafik Sdn Bhd has achieved many milestones in the printing industry and even became the first in Malaysia to use the Digital Store Front (DSF) system in providing pre-press and digital printing services. Perdana Grafik’s skilled and experienced team members are known to provide high-quality printing with maximum efficiency and productivity in the industry too. From business cards to buntings, customized labels to bard cover book bindings, you name it, they have it. Some of their other well-known services include the pre-press colour separation service and print on demand (POD).

Print On Demand (POD)

The new generation of printing technology, Print On Demand (POD) is a convenient and affordable process that allows you to print in singular or small quantities that was not achievable when there was only traditional printing technology such as letterpress. So if you are planning to have your self-published book printed only after you receive orders, Perdana Grafik’s POD service is absolutely perfect for you as it saves you time and money from mass printing.

Pre-Press Colour Separation Service

Perdana Grafik’s Pre-Press Colour Separation Service sees their expert team members review and prepare digital files for printing. This technology works by separating the colours of the images into cyan, magenta, yellow, and black (CMYK). From there, every single colour is applied separately in layers until an infinite variety of colours are created to bring out the best of your submitted photo or poster. By using the Pre-Press Colour Separation Service, your prints will have impeccable outcomes with true to life colours. This service is great for those looking into printing portraits, books about fine art, photobooks, and any other materials that require high quality printing and colour balance.

One-Stop Printing Location

With various printing services, it is no wonder why Perdana Grafik is known to be a one-stop station for printing almost anything. If you are starting up your food business or shop, you would be glad to know that your business cards, vouchers, packaging stickers, banners, buntings, flyers, and food menu can all be accomplished under one roof. Here are some of the services provided by Perdana Grafik:

  • Colour Separation
  • Colour Retouching / Colour Adjustment
  • Digital Colour Proofing
  • Digital File Composition
  • Online Ad Submission Through AOT / EADS
  • Digital Printing Print On Demand
    • Brochure / Flyer / Name Card
    • Die-Cut Label Sticker / Hardcover Coffee Table Book
    • Photobook / Personalized Calendar
  • Offset and Inkjet Printing
  • Finishing:
    • Staple Bind/Perfect Bind/Wire’ O Bind/Screw Bind
    • Hot Lamination
    • Cold Lamination (Gloss/Matt)
    • Hard Cover/Soft Cover
    • Die-Cut

Flexi Printing to Meet Your Needs

Not only is Perdana Grafik known to produce high quality prints and provide numerous printing services, they are also known for their quick turnaround time and deliveries to anywhere in the Klang Valley. To ensure that you can make your Print on Demand (POD) orders immediately, Perdana Grafik archives your files, designs, and artworks safely so that you would not need to forward your files every single time. They also have custom designing services for those who do not have a designer to come up with printing collateral too.

Perdana Grafik’s printing services are very important to the community as we start to open our doors to welcome businesses, students, employees, and more. Businesses have changed and might need a new set of name cards, teachers will need to print test papers for the remaining school days, bosses planning to send out 2022 calendars to suppliers, and online sellers need customized stickers to seal their packages. Without realizing, we are still making use of prints no matter how much we talk about digitization and the advancement of technology.

If you are in need of printing services with Perdana Grafik, contact them at 03-7880 7811 / 016-2192680 or drop by their office at Perdana Grafik Sdn Bhd, Block A, No. 1-1, Zenith Corp Park, Jalan SS7/26, Kelana Jaya, 47301 Petaling Jaya, Selangor.

Spearheading Thailand’s Drive for Economic Diversity

Nestled within the centre of the Indochinese Peninsula lies one of Southeast Asia’s most powerful economies, a melting pot and convergence point where diversity is warmly embraced with opportunities. Often been earmarked as one of the success developments stories of the region, Thailand represents an orgy of mind-bending numbers when it comes to sustained economic growth. 

With sustained economic development over the past decades amidst economic recessions, admirable poverty reduction rates and gains along multiple dimensions of welfare; the Department of International Trade Promotion (DITP) of Thailand has embarked on the new phase of their mission to position Thailand’s trade competitiveness across the region by disseminating its economic stronghold to its neighbouring countries. With DITP at the helm, Thai entrepreneurs will be able to expand their market while promoting sustainable value creation for Thai products and services delivered internationally.

DITP’s Outreach Efforts

An integral part of DITP’s advocacy efforts to market their Thai products was to directly include their Malaysian counterparts in their outreach plans. Another thriving economy experiencing a paradigm shift in digitalization and economic growth, Malaysia represents a quintessentially untapped market for DITP to focus their outreach efforts on.

With the ravaging effects of the Covid-19 pandemic decimating the global economy and curtailing the possibilities of physical trade, DITP embarked on a different approach by harnessing the prowess of social media to convey their message to their target audience

Featured Videos

In order to promote their distinct lineage of unique and carefully handpicked products to their target audience, DITP harnessed the potential of social media by enlisting the services of Key Opinion Leaders (KOL) to create a series of engaging videos to captivate their audience. In this campaign, which is named Thailand Future Trends Showcase, each video will have a runtime of up to 2 minutes, with the main objective being to enlighten the Malaysian people and business owners regarding the appeal of native Thai products.

The following are products that DITP have channeled their outreach resources and efforts in:

  1.  Eco-friendly Packaging

With the world being devastated by one setback after another, it makes complete sense that sustainability should be an utmost area of concern, and it’s only fitting that DITP gets the ball rolling with Superbee’s line of eco-friendly packaging. 

Featuring an impressive array of eco-friendly packaging ranging from their beeswax wraps to their bio-degradable containers, Superbee certainly provides some food for thought when it comes to sourcing for a sustainable alternative to the conventional and much maligned plastic packaging. At a time when the usage of packaging is in ascendancy, DITP is certainly leading by example by building this harmonious rapport with Superbee.

DITP video of Superbee’s eco packaging products showcased the charismatic Melissa Tan, who allures audiences by touching on the sentiments of being eco-conscious as well as her interpersonal relations with the Thai communities. 

  1. Live Plants and Soil

In line with their efforts to promote conservationism with eco-friendly packaging, DITP’s next showcase in their flagship line of promoted products is Coco’s unique take on peat and soil. Coco employs a robust and unique method of incorporating the very best of ingredients into the basic building foundation for every plant-based lifeform.

Enlisting the help of Jane Lee, a budding entrepreneur who runs a business curating and nurturing indoor plants, the video manages to interlink the importance of good soil and how it translates to the flourishment of indoor based plants. Coco’s uniquely conceived peat and soil mixtures contains all the nutrients that an indoor plant will need, and it certainly bodes well with Jane herself.

  1. Plant Based Meat

DITP’s next feature video is a unique take on proteins uniquely curated from the essence of plants and vegetables. At a time when our personal health is of paramount importance, it is greatly acknowledged that incorporating and leaning towards a plant-based diet will reap greater long-term benefits for your body – a point that was agreed upon in unison by Mei Ling, Kya Abdul and Ryan.

While all three of them have different backgrounds – with Mei Ling being a lifetime vegetarian and business owner, Kya being a certified personal trainer and Ryan being a wellness coach, they all share a similar common trait – being advocates of a plant-based diet. 

A general misconception is that proteins must be from harvested from animals for it to taste good, a claim that was directly refuted by all three talents as they were full of praises about these plant-based meats, ranging from Mantra’s shrimp balls and bacon to Morefood’s take on using mushrooms as the base for the proteins. 

  1. Dried Fruits

“If there is one thing that Malaysians can’t live without, its snacks. We love a good nibble and munch whenever we are seated on the couch enjoying our favourite television shows, or simply at our desk getting some work done.” 

These were facts agreed upon unanimously by Anna, Haneda and Za, as they featured in DITP’s video emphasized on the wonderful delicacies that Thailand has to offer in the form of dried fruits as snacks. 

While seemingly sharing similar traits when it comes to their food preferences, all three featured talents also shared a similar fondness of the Thai culture as well.

Ranging from the 100% fresh dried strawberries and mangos from Nana fruits to the dehydrated cherry tomatoes and roselle herbal tea on offer from Beefruits; these dried fruit snacks will certainly keep your jaws busy!

  1. Home Decorations

DITP’s final feature video showcased Hui Wen, an interior decorator with an acquired taste when it comes to the fine arts of interior design. Being an avid fan of natural and organic materials when plying her trade, it comes as no surprise that Hui Wen was in awe with the functional art pieces that Thailand has to offer.

Be it the specially crafted wooden products from V.S.T Woods impressive lineage of affordable selection, to Prempracha’s uniquely designed Thai artisan ceramics, and finally to Sapparot’s unique take on “Sustainable Décor” made from pineapple fibre –  Hui Wen found herself visualizing her next project taking shape with a touch ofThai essence.

“Combine all of them, and you will definitely get a unique fusion and blend of what Thailand has to offer when it comes to home decoration. For me, I feel like a kid in a huge candy store!”

The crippling effects of the global pandemic certainly did not hinder DITP’s effort in bringing Thai products to the Malaysian market and people. While we bask in the fruits of their labour, DITP will continue to strive and achieve their vision to position Thailand as the leading trade powerhouse in Asia by 2027.

For more information regarding how to import products from Thailand, feel free to contact DITP via their website.