With the inconsistency of our public transport system, it is likely to go around using a car. It is better to own your car and save time. Waiting around for public transport every day causes more fatigue to you. Frequencies of transportation also were ambiguous and never on time with the schedule. That is the function of car loan requirements in Malaysia, to help you buy a new car. It is not that hard to apply for it. As long as you understand the terms and conditions, it is likely to help you with buying a new car. 

Car Loan in Malaysia

In Malaysia, almost 70 per cent of people use car loans when buying a new car. This is due to the high price of cars whether import or local car. Malaysians’ average annual salary is RM40k and above but the car price is RM120K and above. How could someone possibly buy a new car without any financial aid? Not to mention the car service every few months.  Car insurance is also needed to protect your car whenever an unwanted incident happens. So, it is very relevant for Malaysians to have a car loan at least once in their life. 

Important Terms in Car Loan to Understand

• Interest Rate – Total amount of money you borrow from the bank including the monthly interest rate. It would depend on the base rate of your loan which differs according to the condition of our economy. The total interest rate could be higher than the previous year or lower. 
• Down Payment – This is the initial or first payment you would need to submit to the bank. This act as a guarantee you wouldn’t bail from the loan agreement. The price usually will be 10% of your car price. However, depending on the bank and the type of loan, the amount could be different. 
• The Margin of Finance – This part of the document will show you the amount of money that the bank will pay for your car. 

When you are reading the document, highlight every term that is unfamiliar to you. When consulting the bank officer, ask them to explain more in detail about these terms. It helps you to understand completely the loan you are taking. 

Car Insurance

When buying a car, your bank would probably ask you to have car insurance. This is to protect you and the bank from paying more to fix your car when an accident happens. Similar to life insurance, car insurance has a few levels of premiums that you can choose from. Car insurance also depends on the type of car you are buying. When buying car insurance, the insurer would check your history of driving as well. If you have a history of reckless driving or often receive tickets for your driving, it could be difficult for your application to be approved. 

Consulting your insurer is also important when buying car insurance. Be sure to compare the different policies of different insurance companies. Choose the best for you and wouldn’t make a burden to your financial status. …

Candles are used to light up a room when the lights go out or just for a romantic dinner. However, apart from being burned for lighting, candles can also be used to facilitate your daily life. Examples like the following.

1. Candles for Lighting

Candles are generally known as a source of light which is composed of a wick covered with solid fuel. Beef fat (which contains a lot of acid) was used as fuel before the 19th century. But currently using stearic acid. Usually used as an alternative to lighting when the power goes out.

2. Candles for Aroma Therapy

Candles can also be used as aromatherapy. Because it is believed to be able to help relieve stress, it is not uncommon for many to be interested in aromatherapy candles. Aromatherapy candles derived from essential oils or essential oils are considered capable of overcoming various health conditions, especially those related to mental stress. With aromatherapy candles we can experience many benefits, such as making the body feel relaxed, improving mood, overcoming insomnia or sleep disorders, relieving breathing such as asthma or sinuses, boosting the immune system so that it can overcome flu and colds, warming the body using aroma candles ginger or ginger fragrance, able to overcome nausea, overcome digestive problems, improve hormone balance, and is suitable for calming down, so that it makes the body and mind more relaxed or relaxed.

3. Wax for Batik

Batik wax is a material used to cover the surface of mori cloth according to the batik motif picture, so that the covered surface resists or resists the color given to the cloth. There are three types of batik wax today, namely klowong wax for nglowong and ngisen-iseni, brick wax for nembok and biron wax for mbironi.

4. Reducing the discomfort of using braces

The wax used is orthodontic wax, the benefit is to avoid injuries when using braces in the first week. This candle is used when we feel uncomfortable. You do this by removing the wax from the package with your finger, then affixing it to the part of the braces that feels sharp or piercing.

5. Wax for Sculpture

Wax can also be used to make sculptures. Madame Tussauds is a famous wax museum in London, England, and has branches in several major cities in the world.

6. Dinner Friends

Candles that are shaped in such a way that they become unique shapes can be dinner companions, in addition to beautifying the place, suga can add to the romance of our dinner. For husband and wife it is highly recommended to try dinner accompanied by small candles or what is commonly called a candle light dinner to increase the closeness of the relationship.

8. Painting from Wax

Wax can also be used as an adjunct in making paintings. Kids can get creative with wax while drawing. The trick is to use wax instead of pencil, so that the part drawn with wax will not be colored too, so it becomes beautiful. Creative isn’t it? (Also read: wax emulsion malaysia.)…

The presence of technology that makes our lives easier has now entered the economic or financial sector. Business people are certainly familiar with the matter of money transfers. It’s just that in the past you had to send money directly to the nearest ATM or bank branch, now you can do it from home with the internet, also known as online banking Malaysia. It is very profitable for us! Want to know more? Let’s look at the following!

What Exactly is Online Banking Malaysia?

Online banking is a service that allows you to conduct banking transactions over the internet. This is a banking activity that uses the internet as a medium. To conduct transactions and obtain other information via the bank’s website. This activity uses the internet network as an intermediary or liaison between the customer and the bank, eliminating the need for the customer to visit the bank. Customers can use internet-connected desktop computers, laptops, tablets, or smartphones as a bridge between their device and the bank system.

Features of Online Banking Malaysia

Internet banking service features include general information on savings/giro accounts, deposit accounts, account mutation information, fund transfers, both transfers between accounts and between banks, purchase of credit, information services such as interest rates and exchange rates, and payments, such as telephone payments, internet , cable TV, electricity and various other types of payments.

How Does Online Banking Malaysia Work?

To use internet banking, customers must have a user id, password, token or One Time Password (OTP), and an internet network. User id, password, and token can be obtained by registering with the bank. When using internet banking, customers must ensure that the website accessed is the bank’s internet banking website. then the customer will be asked to enter the user id and password on the home page or login. When conducting financial transactions, customers will be asked to enter the OTP obtained from the token. After the transaction is complete, the customer must ensure that he/she has logged out from the internet banking page. The bank sends a notification via email as proof that the transaction has been successful.

Benefits of Online Banking Malaysia

In the era of technology like now, the internet has become a major need. The banking sector is no exception. By utilizing the internet, you, especially employees in urban areas, can make transactions anytime and anywhere, without having to meet the bank’s customer service. In addition to making your life easier, online banking facilities still prioritize the precautionary principle. Some benefits of them:

Moving the bank to your home

From now on, forget about banking operating hours at 08.00-16.00. By utilizing internet technology, you can perform financial transactions simply using your gadget without having to meet bank officers. Unmitigated, you can do it 24 hours. Transactions that can be done are not only fund transfers, but also monthly bill payments such as electricity or water to apply for a loan. 

Request the application to the bank

To be able to use online banking, the method is very easy. First contact the service department of the bank where you deposit the money. Next, simply state your savings account number. If you are reluctant to call a bank officer, you can also look for information through the bank’s website. From there, just follow the instructions. In these instructions, you are directed to activate your account so that it can be accessed online. Usually will be accompanied by a user name and password. Within minutes, you have access to an online bank. Don’t worry, the confidentiality of your personal data will be guaranteed.

Your money in one hand

After having online banking facilities, now managing your business is simpler. You don’t have to waste time going to the bank to fill out a transfer application, or cashing checks using paper. 

Save time, money and environmentally friendly

With an account that is connected online, your money and time are not wasted. Online banking is also considered environmentally friendly because it does not require paper to print out each transaction (paperless).

Does not eliminate the interaction between banks and customers

Online banking does not automatically remove the interaction between the bank and its customers. You can still go to the bank at any time to talk face to face with a bank officer.…

Marine bunkering services are simply “the provision of gasoline to a ship.” Many different aspects of ship bunkering services are covered. This article will explain the value of marine bunkering services and the key factors that must be taken into account while offering ship bunkers. 

The same can be clarified as follows:

• Before being used for ship bunkering, the bunkers must first be assessed and supervised in terms of fuel bunkering. The survey is conducted to determine whether or not all the preliminary actions, such as the installation and fitting of pipes for the fuel’s passage, are appropriate. Additionally, because the survey requires the use of the pipes’ actual plans and diagrams at the time of the survey, any modifications that must be made to the pipes are noted so that any potential future issues can be completely avoided.

• Obtaining all essential and required certification from OMIL/MID, or the Organization of Legal Metrology/Measurement Instrument Directive, is the second step. The marine bunkering services can begin once all the conditions are satisfied and the equipment and its configuration have undergone a comprehensive inspection. Alternatively, a fuel bunkering service can be started up after obtaining the essential approvals even in the absence of the OMIL/MID certification.

• To ensure the system is operating smoothly, regular and ongoing system monitoring is required. Checking the installed equipment and its continued operation would be part of the monitoring component.

Along with the previously mentioned measures, it is crucial that fuel bunkers adhere to the protocol for minimizing and not squandering even a single drop of fuel in order to protect and preserve the marine ecology. This is accomplished by preventing excessive use of the bunkers used for fuel bunkering. It would require more fuel input, which would result in more exhaust and other toxic compounds entering the maritime atmosphere, similar to overused machinery. It should be highlighted that the ships used for fuel bunkering have no design flaws or mechanical issues and are not overworked; this problem can be resolved now, before it grows significantly worse.

Bunkering ships is a necessary and significant offshore marine activity. A figure states that the operational cost of a ship for fuel bunkering is somewhere between 50 and 70 percent of the entire operational cost of the ship. There are numerous businesses offering marine bunkering services all around the world. Since there have been more oil leaks globally recently, these corporations have come under scrutiny. Therefore, it is crucial that they take the appropriate safety measures while offering marine bunkering services, both at sea and at ports. You can check in this link for further information best bunkering services in malaysia.

Humans frequently engage in the action of queuing. When making a bank deposit, obtaining an identification card, or simply paying, a queue is required. Not only is this procedure time-consuming, but it is also quite tiresome. Currently, there are still a significant number of services that do not utilize the digital queuing system and are therefore still operated manually. Shoppers must still stand in line and maybe be jostled by other customers. This can cause clients waiting in line to become fatigued and bored. For this, we need a system that ensures clients’ comfort while waiting in line.

Here are three ways that queueing can boost consumer happiness and convenience:

1. Design an attractive waiting area

Customers typically occupy a room when queuing and waiting. A confined and dim space will discourage clients from waiting in line for service. Create an inviting waiting room design and concept to make clients feel at ease while queuing. Customers will be satisfied if you install a refrigerator in the room, decorate it with appealing décor, organize the seats, provide electrical outlets, and provide complimentary beverages.

2. Zig-Zag shape queue

The last thing that can be done to manage client lines is to construct a zigzag queue pattern rather than a straight line. Psychologically, the zigzag queuing pattern will make the consumer feel upbeat since the queue will appear shorter and the sense of a lengthy wait will not be apparent.

3. Provide information about the waiting time

Most consumers in a queue do not know how much longer they must wait, which might make them anxious and agitated because they cannot predict the duration of their wait. Therefore, give customers information regarding wait times. Provide an estimate of the amount of time and the number of clients who were serviced before to this customer. With this information, clients will wait with confidence.

4. POS System

The Point-of-Sale (POS) system is an application utilized by business owners and managers to ease consumer transactions. Typically, this application is implemented within a terminal or payment device, such as a cashier’s POS system. In conclusion, the Point of Sale (POS) system is a location where customers or purchasers make payments to merchants or business owners.

You can define a Point of Sale or POS System as an application that is frequently used by business owners and managers to facilitate customer transactions. Typically, this application is implemented within a terminal or payment device, such as a cashier’s POS system.

The POS System enables retailers to create a superior customer experience. In a matter of seconds, store employees may locate things that customers desire. The system even permits vendors to establish self-service kiosks for their clients, allowing them to independently search for the products they desire. Obviously, this provides clients with a favourable experience when purchasing a product or service your company offers. Customers’ satisfaction with the service provided by your company will contribute to its growth.
These recommendations should assist your firm to become more advanced and flourish. Clearly, a POS system can be utilized to enhance business services. Your organization may strengthen client connections, streamline report generation, and maximize data security by utilizing a reliable POS system. Get it here buy retail pos system malaysia!…

The Latin term “scientia,” which means knowledge, is where the word “science” first appeared in written language. In contrast, science is a system that entails the pursuit of fundamental general knowledge in relation to all objects and phenomena that surround us, according to the Encyclopedia Britannica. Numerous phenomena that surround our life have been objectively solved by science. Science constantly evolves in response to current events. As science advances, it also gives rise to an increasing number of new scientific disciplines to address societal requirements. The concept of science, its purposes, and examples from daily life are provided below to help you understand it better.

In addition to helping us understand previously unknown facts, science is also helpful in our day to day lives. It may be used to advance technology, help us survive, and meet our basic requirements.

Why must we study science?

·        Competing To Be The Leading Country

First, competing to be the leading country. Countries that have the latest and most advanced technological advances can rule the world. The proof is that when Japan was bombed by the United States in 2 cities, namely Hiroshima and Nagashaki, Japan was astonished and surrendered so that the United States became a country feared by the world at that time, even now the United States is increasingly advanced in terms of agriculture to its military.

·        Branch of Science

The second area of science that is most required is science. Other fields of science will develop from the science we learn. Science will make it simpler to pursue further education in the field of agriculture, as well as in the fields of medicine and research. Sociology, climatology, medicine, robotics, computers, astronomy, agriculture, animal husbandry, fisheries, forestry, and other fields of study are among the numerous other branches of science.

·        Easier non science lessons

Third, simplify it in classes that aren’t about science. By using science, we also open up non-scientific fields like economics to more people. Economics requires knowledge of the sciences, particularly mathematics. Economics would not exist without science since it cannot learn without counting.

In order to determine the value of the average score in a group of individuals, persons who are active in English will study science in the field of statistics. What a corporation is, what a student is Therefore, science is crucial to understanding both non-science and science itself.

·        Educated People

Fourth, educate people. Science will educate people who will study it. We will be better able to respond to challenges as they arise thanks to science. For instance, we are aware of the causes of cardiac illness as well as the function of the heart.

·        Increase People who love science

Fifth, encourage more people to pursue careers in science. This is a technique used by nations around the world to provide larger shares to those pursuing science, whether it be in medical, agriculture, or another field. Science is given a very high share because it is very vital and must be fulfilled to study disciplines of science like agriculture and medicine. If not, there will be risk; for instance, an endemic virus will be challenging to defeat if the individual creating the vaccine is anything like during Covid-19.

That’s why we must study science foundation programme in malaysia, why? because it has been proven that saints are very useful for human life and are also useful for the future of all of us.

Amongst the main companies that operate offshore base operations in Malaysia are MMS and Altus. Offshore terminals for gas, bulk petroleum products, and crude oil are operated and managed by MMS. We offer maintenance and pilotage services to ensure the safe and effective operation of a number of offshore terminals, including PETRONAS Floating Storage Units in Melaka and PETRONAS’ First Floating LNG Facility, PFLNG Satu, and the most recent PFLNG Dua, both in East Malaysia.

One of the top supply chain firms in the nation, Altus Malaysia, specialises in three diverse, large-scale industries: marine solutions, oilfield solutions, and logistics solutions. Because we have years of experience in these areas, we can provide a wide range of dependable and trustworthy services for your company. Expect a top-notch integrated network of services that will allow you to reduce the number of contractors working on your projects while keeping the calibre of your offerings.

MISC Group of Companies, MISC Maritime Services Sdn. Bhd. (MMS)

When it comes to providing port and terminal management and operations, marine assurance and compliance, and consulting services to a variety of clients in the energy industry, MISC Maritime Services Sdn. Bhd. (MMS), a member of the MISC Group of Companies, acts as the hub for maritime services. We hire the best professionals, including highly skilled and qualified marine technical experts and consultants, accredited inspectors, and engineers, as we take pride in delivering high levels of operational excellence.

MMS was first established as PETRONAS Maritime Services Sdn. Bhd. in 1992. (PMSSB). We have run many ports and terminals in Malaysia throughout the years, and in 2015, PMSSB joined the MISC Group and changed its name to MMS.

Their Services;

1. Port and Terminal Operations
   Competent maritime specialists offer pilotage services and logistical support services.
   
2. Port Technical Services
   Ensure the port’s and the terminals’ structural integrity so that they are always safe to use.
   
3. Offshore Operations
   operates and runs offshore terminals for bulk petroleum products, gas, and crude.
   
4. Ship Vetting
   LNGC and chemical and crude tanker inspection and screening for downstream operations.
   
5. Offshore Inspection
   Offshore vessel inspections for upstream business.
   
6. Assurance & Consultancy
   Conduct an audit of marine ports and contracted ships.
   

Altus Malaysia 

In 2010, Altus Malaysia was established as a member of the Altus Logistics Group Network. Altus Malaysia started off tiny in Johor with just 3 employees and a modest office, but has since expanded its presence in the country with offices and onshore bases in Labuan, Bintulu, Miri, Tok Bali, Kemaman, Kuantan, Johor, Port Klang, and Kuala Lumpur. Later, the corporate headquarters was relocated from Johor to Kuala Lumpur, where it now employs over 80 people.

Three (3) key business segments now make up our company’s growth and diversification: Marine Solutions, Oilfield Solutions, and Logistics Solutions. Through its common shareholder, Altus Malaysia runs Altus Freight Management, which offers last-mile delivery for participants in the courier, express, and e-commerce industries. Through the creation of Altus Aviation, Altus has just entered the aviation services market.

1. Marine Solutions
   Our marine solutions take care of tasks like warm and cold lay up, marine preservation and maintenance, non-destructive test (NDT) inspections and certification, floating hose maintenance, tank cleaning, demucking, and waste disposal for ships and vessels.

As one of the top maritime solution providers in Malaysia, we work hard to deliver top-notch services that will help you achieve your goals and objectives, which will help you create a successful strategy and plan for your company.

2. Oilfield Solutions
   The Oilfield Solutions offered by Altus Malaysia included services for your company’s chemical handling, storage, and transportation as well as offshore winches, compressors, and generators. By collaborating with Swire Energy Services, the top offshore container specialist, we want to help you realise the objectives of your company. Our in-house oilfield solutions expertise offers comprehensive lifting equipment services, as well as an asset tracking system that lets you monitor the progress of the servicing.
   

Logistic Solutions
Through years of operating offshore bases in Malaysia, Indonesia, China and Australia, we have developed relevant vast experience and expertise in logistics solutions. Our services include supply base operations, project logistics, customs brokerage, shipping agency and freight forwarding. Here at Altus, we curate integrated logistics solutions for each offshore campaign project to ensure you have the cost and efficiency benefits.…

These days, most of us have adapted to the norm of working from home. So it comes as no surprise that people, especially fresh graduates prefer working from home compared to working in the office. However, as one who has worked both in an office and from home, I personally prefer the office. There’s just a certain charm about working in the office, compared to working from home. Especially since I work in a creative industry, the office just gets my innovative energy pumping, unlike now when I’m at home, everything seems dull and boring and I’m easily distracted. 

I’ve always liked my office in the high-rise building that it’s in compared to it being on lower floors. And let me tell you, there’s a massive difference. For those of you who don’t know, it could possibly be the reason why you prefer working from home. So today, let me try to convince you why offices in high-rise buildings are better. But before that, check out office buildings near KLCC. 

More Natural Light

To start off, offices in high-rise buildings always have better natural lighting. And when compared to artificial lighting, natural lighting is much better as well as healthier. This is because natural lighting can help kill the germs and keep your office space cleaner, making the place more hygienic. Certain offices also have windows that let in the morning light that can give you your daily vitamin D, which is an added bonus.  

Ventilation and Fresh Air

Another benefit is having cleaner and fresher air to breathe in. Unlike offices in lower floors that let in air that contain carbon monoxide emissions from cars, the air higher above the ground is much cleaner and healthier to breathe in. breathing in the fresh air can also keep you feeling more active and less sluggish throughout the long hours you are in the office. High-rise buildings also provide better ventilation, since the air contains less oxygen the higher-up you are. Hence, the ventilation systems are generally better compared to that of those in offices in lower buildings.  

Less Noise & Congestion

Moving on, another benefit you can reap from working in offices located in high-rise buildings is that there is less noise and congestion that you have to deal with. Let me explain, when you’re higher-up above the ground where there are roads and trains going, you can avoid listening to annoying sounds like those that can be very distracting. Especially if you are one who requires much quiet to be the most productive at work. 

Safety & Security

The last benefit you can reap from this is that most, if not all high-rise buildings provide security. Almost all high-rise buildings have security guards and require keycards issued by your company to enter the office. With the upgraded security we have now, you can expect that your keycard will be needed to enter the building, to use the elevator as well as enter the floor and room to your office. You can rest assured, or in this case work without having worries about getting attacked at work. …