In Malaysia, when any businesses employ any foreign workers whether is from industries such as manufacturing, agricultural, services and domestic help such as barber, metal scraps and etc.
Therefore, foreign worker insurance guarantee (FWIG) is required by the Malaysian Immigration from employers by ensuring that their foreign employees are able to receive a security deposit. However, the insurance guarantee for foreign worker Malaysia is only set for 18 months hence these foreign workers are require renewing their permit.
Foreign worker working in Malaysia may use workers compensation insurance which is to provide protection for employees in case of any injury or disease when in the course of employment.
Furthermore, the group personal accident insurance is able to provide compensation for employees who face events of bodily injury, death or disability when in the course of the employment that may be caused by accidental or external and visible events.
Motor insurance
Third-party car insurance Malaysia is an insurance that allows an individual party vehicle against the third party liabilities such as facing death, bodily injuries to the third party.
However, these so-called potential vehicle damages or losses that may be caused when the vehicles are faced from a collision. In Malaysia, it has many best third party car insurance in 2021 that really reputable and trustworthy.
Fire insurance
Fire insurance Malaysia is when a party’s property faces damages and losses that are caused by fire. Therefore, when a party purchase fire insurance they are able to receive protection from insurance company to cover cost such as replacement, repair works or reconstruction of the property.
For instance, when a party’s property electrical appliance such as wiring, bricks, roofs are all damage by the cause of fire hence the party is able to get insured by the insurance company.
Burglary and theft insurance
Burglary insurance is when an individual faces incidents of theft in the property which the insurance is able to provide protection for the individual. Asides from family travel protection insurance, this protection enables to cover potential losses, damages to the individual property when the theft is actual, forcible and violent entry to the individual property.
However, theft insurance does cover incidents such as attempted theft or theft from feloniously concealed in the premises or where the individual is being hostage or armed robbery. Get in touch with us!
Group hospital and surgical insurance
Many insurance companies have insurance product such as group hospital and surgical insurance to give medical coverage for the employees, spouse and children. The benefits of this insurance are that one may receive a benefit such as medical and hospitalisation from the compensation of the insurance plan.
Moreover, group hospital and surgical insurance are also able to cover patient cancer treatment or kidney dialysis treatment. In addition, there are even benefits such as where the patient needs general practitioner care and specialist care are also covered by the insurance plan.
Performance bond Malaysia
The performance bond Malaysia is to ensure when the performance of any contractor is able to fulfil its contractual obligations and term that are required to follow the principle in the construction that are related in the contract. Therefore, when the contractor did not do its performance in any event hence insurance company are able to recover any losses from the contractor and the guarantors.
Performance bond Malaysia is a must for the contractor’s tender must be accepted by the principal where a letter of award will be issued. Therefore, the individual takes up the performance bond plan is to ensure that their contractor fulfils its contractual obligations and term until the completion of the contract.
Many things like printing, cleaning online trading can be done online today with the advancement of The Internet.
This has quickly adapted to the food industry, with online food delivery services like FoodPanda and UberEats available today.
Not only that, it has influenced the pizza industry as well. This is because pizza is seen as fast and easy food.
Thus, it would not make sense if pizza restaurants do not offer delivery services.
With that said, it is becoming more convenient for customers to order their meals online and they no longer have to step out of their doors to grab food.
Instead, they can simply have their food order online. Click here to find out more.
How to order food online
Food orders can be done through mobile apps using their debit and credit cards.
If you feel that the app is not that trustworthy yet, there is a cash-on-delivery option too where you can simply pay the delivery man as you receive the food.
Nothing can be more convenient than this.
Furthermore, food does not take a long time to arrive, so it can still remain an option when you get hungry.
Pizza home delivery services are known to be fast too.
You can simply go online order pizza when you are craving for some good Italian food.
There are a few pizza restaurants that offer pizza delivery in Malaysia. But before that, let’s look at some pizza facts.
Pizza facts
The word pizza is actually a pie in Italian. Pizza is known to have started in the country of Italy as a baked bread with toppings.
However back then, there were many variations of this. Some were well rounded, and some were flat.
The version that we are currently most familiar with originated from Naples.
This open-faced pie slathered in a tomato base and topped with mozzarella was introduced in by a baker known as Raffaele Esposito in Naples, 1889.
Domino’s Malaysia and Pizza Hut is widely known for serving fast and good tasting pizza.
It is considered one of the largest franchise pizza chains in the world. Both of them offer pizza home delivery services that are fast and easy.
They have well-built mobile apps and online websites where you can easily order pizza online for delivery or takeaway.
On certain periods, they offer promotions for takeaway pizzas that are ordered through their website.
The best pizza shop near me function on the website shows where you can redeem the promotion. Simply order online and go to the nearest outlet from you to collect your cheap pizzas.
Popular flavours for both restaurants are the beef and chicken pepperoni pizza.
Speaking more specifically, the extravaganza that has a generous amount of beef offered in Domino’s would be perfect for beef lovers.
In Pizza Hut, go for their famous cheesy crusted pizzas if you are a person who enjoys cheesy foods.
Mikey’s Pizza
Mikey’s Pizza being one of the best pizza in Malaysia locally serves the best New York classic and Margherita. These are flavourings that Domino’s and Pizza Hut do not offer.
Mikey’s pizza is known to hold close to the Italian taste.
They also serve up great side dishes like the spaghetti Bolognese and lasagne.
However, prices here can go a little high as they emphasize on using fresh and authentic ingredients to bring out that Italian taste.
Membeli rumah adalah impian oleh banyak orang, iaitu sebab kita mencari wang setiap hari dan simpan wang untuk membeli rumah di kemudian. Oleh itu, membeli rumah merupakan hak yang penting dalam hidup sesuatu orang.
Sini, mempunyai beberapa tips untuk membeli rumah pertama sambil menjana pendapatan sampingan tanpa modal yang boleh ditunjukan kalau and anda hendak membeli rumah.
Perkara yang penting untuk membeli rumah pertama
Perkara yang penting untuk membeli rumah adalah wang atau modal untuk membeli rumah, jika tidak ada wang, anda tidak boleh buat apa-apa. Oleh itu, anda mesti memastikan anda ada cukup modal untuk beli rumah pertama yang anda idam.
Jika anda tak cukup wang, apa cara anda boleh guna untuk beli rumah pertama, iaitu memohon pinjaman daripada kerajaan atau insititusi-insitusi wang seperti bank, untuk mendapat modal yang cukup untuk membeli rumah.
Jika anda tak nak memohon pinjaman, anda boleh mengeluarkan wang dari KWSP. KWSP adalah satu skim untuk membantu anda menyimpan wang buat hari tua, skim tersebut adalah dilancarkan oleh Kerajaan, untuk membantu orang negara menyimpan sesetengah wang dari gaji, untuk memastikan anda ada wang untuk hidup pada tua.
Kadar untuk KWSP adalah berbeza, jika anda mendapat gaji di bawah RM5000, majikan adalah dihadkan kepada tambahan 13% daripada gaji kasar anda. Jika anda dapat gaji lebih RM 5000, majikan adalah dihadkan kepada tambahan 12% dari gaji kasar anda.
Terdapat beberapa syarat bagi anda layak untuk mengeluarkan KWSP untuk membeli rumah, jika anda ada simpanan minimum RM5000 dalam akaun 2 dan umur anda adalah lebih kurang 55 tahun pada Tarikh memohon.
Pinjaman anda boleh memohon untuk membeli rumah pertama
Pinjaman peribadi boleh dimohonkan oleh anda untuk membeli rumah pertama. Anda boleh memohon pinjaman itu daripada bank yang diwujud di Malaysia, seperti Maybank, CIMB bank, atau pinjaman daripada institusi-institusi swasta.
Kalau anda minta memohon pinjaman peribadi daripada kerajaan, anda boleh menunjuk kepada Bank Rakyat, iaitu bank negara. Cara itu adalah cara yang selamat kerana Bank Rakyat adalah bank negara, bank yang boleh dipercayai.
Inilah perkara anda mesti ingat semasa memohon pinjaman peribadi daripada Bank Rakyat, iaitu dokumen yang perlu untuk memohon pinjaman untuk membeli rumah. Dokumen yang perlu dibawah semasa memohon pinjaman adalah Salinan MyKad, Salinan Penyata Gaji 3 bulan yang terkini, penyata KWSP atau Borang EA dan Surat Pengesahan Majikan.
Selain itu, anda juga mesti bawah dokumen harta seperti perjanjian jual beli, Salinan geran, tawaran pembelian dari pemaju, resit bayaran pendahuluan, memorandum jualan, laporan penilaian. Dokumen tersebut adalah diperlukan semasa anda memohon untuk pinjaman peribadi daripada bank rakyat.
Pinjaman lain yang boleh dimohon oleh anda adalah pinjaman islamik, Terdapat 2 jenis pinjaman islamik iaitu Musharakah Mutanaqish (MM), Bai’Bithaman Ajil (BBA) dan Bai’ Al-’Inah. Pembiayaan peribadi Islamik di Malaysia adalah berdasarkan konsep Bai’ Al-’Inah. Ia adalah konsep yang melibatkan jualan dan belian balik aset daripada penjual (bank) atas dasar pembayaran tertunda.
Bank iaitu penjual akan menjual kepada pembeli (pelanggan) secara tunai. Bank akan membeli semula urus niaga tersebut atas dasar pembayaran tertunda, di mana harganya adalah lebih tinggi daripada harga tunai. Ia juga boleh digunakan apabila penjual menjual kepada pembeli secara dasar tertunda. Kemudian, bank akan membeli balik urus niaga dengan cara tunai pada harga yang lebih rendah daripada harga tertunda, dengan itu, urus niaga tersebut menjadi sebuah pinjaman. Dalam pinjaman islamik, aset yang terlibat dalam konsep Bai’ Al-’Inah untuk membeli dan menjual adalah wang tunai.
Pinjaman perumahan adalah pembiayaan yang disediakan oleh Bank Negara Malaysia, pembiayaan itu adalah sesuatu dana untuk membantu pembeli rumah yang berpendapatan rendah yang mempunyai pendapatan maksimum bulanan isi rumah sebanyak RM4,360 untuk membeli rumah pertama mereka yang berharga sehingga RM300,000.
Oleh itu, sesiapa yang berpendapatan yang lebih kurang boleh mendapat pinjaman perumahan daripada kerajaan, memohon itu bantuan dana untuk membeli rumah pertama anda idam.
Tips lain untuk membeli rumah pertama adalah anda boleh kirakan loan rumah anda perlu untuk membeli rumah pertama. Anda boleh layan ke laman web untuk cari informasi tentang cara kira loan untuk membeli rumah, cara adalah mudah, anda perlu sentuh informasi anda, anda boleh dapat jumlah laon anda perlu untuk membeli rumah.
Anda boleh layan ke laman web dan menunjuk kalkulator loan rumah, anda boleh cuba tentang bagaimana untuk mengira loan yang diperlukan untuk membeli rumah dengan harga yang rendah.
Selain itu, tips untuk membeli rumah mampu milik kalau anda tidak cukup modal untuk membeli rumah. Rumah mampu milik adalah rumah dengan harga yang lebih murah.
In these days and ages, there is so many parents will consider deciding to send their children to private school. This phenomenon is quite general in today society; everyone is looking for better education and reputation. So, most of the parents will be started to send their children to private secondary school, some even earlier, they get in private school while they just a kindergarten student.
Every year, parents decide to send their children to a private institution in Singapore, but not everyone will consider attending a private school. As the cost of sending a child to a private school usually will be much higher than the public institution. As this reason, some people will think that private school is only worth a second look, and more prefer public school.
But, of course, if your financial ability allows you to help your children to get a better education opportunity, then the private school surely will be the first look. Private school or public school, which one is better? There are many crucial reasons why so many families choose to send their children to an international school in Singapore. Here are the reasons why you should consider a private school.
High profession teacher
Nowadays, most of the private school usually have a lot of high-quality teachers, and some of them even have a first degree or master degree in their subject. Most of the time, when a principle of a private school hire teachers, they will look for the competency and passion of a subject that candidates will teach.
They will review how actually the approach of the teacher will teach to the student. They will identify four or more references from the candidate’s previous teaching work to ensure that they are hiring the best teacher for their school.
Religious teaching class
In general, most of the public schools are required not to allow the religious to insert into their class. Relatively, private schools are more flexible in teaching; they can consider teaching the religious or not in their classroom. All of these are depending on the mission and vision of a private school. If you are a devout Christian, many private schools are run by Christian in Singapore. The private Christian school in Singapore not only give general teaching, but they will also emphasize belief teaching.
Smaller class
This is one of the reasons that why so many parents will consider sending their children to private school is because the student in private will receive more optimal lesson and guidance from the teacher.
In public school, it can be one teacher take the responsibility to teach about twenty-five to thirty students in a class. Since that teacher’s time is allocated to so many students, the chance the public school student to receive an education will be less than private school. In private school, the class size is smaller than public school, it can be only ten students only in one classroom. The chance of students getting the attention of the teacher will be higher.
Reasonable price
As the trend of sending children to private school is getting more general in today society so that a lot of private schools also offer a lower price for the parents who tend to let their children go to private school. Affordable private school not only just a topic, but it is also a feasible option in the parent consideration list.
It is lab time! Kindergarten kid may dream themselves one day, they will be scientist, doctor, lawyer, fireman and many other professional occupations. They admire their angel white coat walking around the labs and offices. How cool is it while walking around the building with the white coat?
There are various labels in groceries and dairy products. People contact with chemical every day. Chemistry exists in life and all the living things. Although the world is about chemistry, we still able to locate most of the chemistry material around the world in a chemical cabinet of the lab.
It is in Every Building
As mentioned before that this world or the earth is run by chemistry. When you hang around the malls and some business building, do you ever realize that there are iron boxes red or yellow? Those boxes located at each corner of most buildings.
Those boxes are attached with a triangle logo and there is a fire sign inside the triangle. It is a flammable logo, in other words, it is easily burned. It is dangerous in some situation. Those boxes are safety cabinet and it refers to a flammable cabinet in some places.
Laboratory Safety
Besides, do you ever wonder the truth that you can have a great bath in every lab in your school and some of your workplace? These places have an emergency shower, or it is referred to as a safety shower in some workplace.
If you play around the lab too often, you must take a shower before you return to a world away from the exhausting laboratory. You may have taken some risk while playing with chemistry thing, the emergency shower may help you to reduce the infection from those chemical erosions.
As mentioned before at the first place, it is dangerous! Wash your body away from chemical liquids or unseen attachments is the pre-requisite before leaving your research laboratory. You clean your whole part of your body by taking the shower, but eyes are a little fragile than the other surface of the body. Therefore, use emergency eyewash when you plan to wash your shining eyes.
Crime Scene Investigation
In every lab, there is a huge machine attached with cabinet and wide glass window. If you are the fans of all the criminal series on TV, then you are likely seen this machine before. The name of this machine rarely appears in daily conversation.
It is a fume hood. If you want to be an agent of FBI, you must get to know how it is used in testing chemical reaction in tubes. If you are not the gang of scientist and chemistry monster, don’t worry, you will not be able to see this thing very often.
Chemistry is Everywhere
While the chemical is discussing here, fuels and oils are the chemically flammable sources. Every huge cylinder container in multiple colours which always occurs in bulk, heavy and dangerous. The heavy and bulk container often located on a rectangular spill pallet. The spill pallet can be found in the factories and warehouses.
The world is chemistry, the earth will not exist without chemistry. Chemistry stays with people all along as well as science. Be aware of the chemical signage, take cautious in the lab and during an experiment. Chemistry can improve life whereas chemistry also able to burn things down. Be aware, chemistry is dangerous!
Let’s look at how to delete videos from YouTube and TikTok and the best way to do this. However, before getting to that, users must try to look at some of the reasons that make it essential to learn how to delete YouTube videos.
When the Video Contains Negative Information, How do you Remove the Video from YouTube Channel?
Sometimes they might post a video on Youtube without assessing it carefully to look into the kind of content in the video. After posting it, they might realize that the video contains some information that is not appropriate. In such an event, they will need to learn how to remove the video from a YouTube channel just in case the video is posted on their YouTube channel.
Fortunately, the process of removing a video from a Youtube channel is not that complicated. With the right guidance, it can be worked out by this process within the shortest period and get it done. After the Youtube video, users shall also look at how they can delete a TikTok video just in case they feel it is necessary to do so. If users know how to delete pictures from Google, then this process should not be an issue to them in any way.
The process of removing videos is such an easy process just in case they wish to trim down the videos on their Youtube channel or they do not wish to have some videos appearing on their youtube channel. The procedure that users can follow to make the process is a success within the shortest period possible.
How to Delete Videos from YouTube On the Users PC
To make this process a success, users need to do some things right. First, they only need to go to their YouTube and then click on the sign button at the top right corner of your screen. Once it is done, users need to sign in to YouTube, and then they can move ahead and click on the profile icon that can be seen on the top right corner of their screen.
After doing this:
Go ahead and click on the creator studio located on the drop-down menu.
On the next screen that appears, click on the video manager or videos on the left pane.
Once done, click on the edit option which is located on the video that is intended to delete.
Once done, move ahead and click on the delete icon which is located in the drop-down menu.
Suppose users have multiple videos that they intend to delete just like they would know how to delete multiple photos on Instagram. In that case, all they have to do is check the little box which can be found next to the videos that are intended to be deleted. Next is to click on the actions then after that click on the drop-down menu and by that, they can now delete their unwanted YouTube video.
How to Delete Private Videos from TikTok?
TikTok, which is popular and called Douyin in China, is one of the best short video platforms that users can find anywhere in the world. Currently, many users are sending short videos on TikTok. For as long as they know to add stickers or even some of the best and striking effects, they can be a tik toker.
Unfortunately, TikTok does not allow them to re-edit their video after releasing it. If let’s say in times that users are unsatisfied with their video, they will only have one option and that is to delete the video. So, how exactly do they do to delete a TikTok video?
Occasionally, people who are unfortunately involved in revenge porn incident may be interested to learn how to delete TikTok private video.
Deleting A TikTok Video
The process of deleting a TikTok video is not that completed. It is just similar to that of deleting a YouTube video. What users need to do if they have a TikTok video that needs to be deleted is to go to their TikTok app and log in to their account.
Once they are on the application, they can move ahead and tap on the profile on the corner of their screen. Next is to find that TikTok video that they intended to delete and open it. Once they already have the video, users need to tap on the three-dot menu located on the bottom right corner of their screen.
After tapping the three dots, they can now slide the menu to the far right and then select delete. They will see a question popping up, asking if they are sure about deleting their video. The item will offer them two options which are confirmed or cancelled. If they want to delete the video, they need to click on the OK option, and they will be done with the process.
Whether they need to delete their YouTube video, or maybe they need to know how to delete TikTok accounts permanently, there are ways that they can use to make this possible. From the instructions given, it is clear that carrying out such a process is not that complicated and is something that users can do within just a short period.
Affiliate marketing is when an individual promotes other people’s product through a network, the commission is considered earned when the products are being sold. One may find a product that they have an interest in then sale it to others to gain a piece of the profit.
In recent years, many have businesses switch towards the online store platform; hence affiliate marketing can widely be seen as accessible. Therefore, companies may use affiliate marketing to sell their products.
For a business to sell its product through affiliate marketing, the first thing that must be conducted is by setting up a relevant affiliate program. By micro-segmentation or targeting a particular niche to sell its product because this niche has an interest in the specific product.
For instance, a drone company may partner up with technology influencers such as bloggers or YouTubers to promote their product. That being said, these influences have an interest in selling the products because it is related to their field.
This influencer will have a higher chance to join this relevant affiliate program to earn extra incomes.
Choose A Well-Known E-Commerce Platform for Affiliate Program
Currently, one of the top-ranking and leading e-commerce platforms is Lazada. Lazada is Southeast Asia’s biggest online shopping mall.
Hence many individuals tend to pick Lazada because they have a tremendous amount of buyer and seller in the market. Therefore, individuals can register at Lazada affiliate program for free.
At the e-commerce reward program, many individuals can earn high commission, best conversion rate, over 6m USD distributed to an affiliate in 2015 due to Lazada having the big number of buyer and seller.
Through the Lazada program, one may track real-time performance reports, tracking mobile app transaction and also using free and advanced marketing tools.
Another online platform is Zalora, Zalora affiliate program provides 6% commission per sale for the new customer while 4% commission for returning customers. However, the cookie lifetime for customer purchase is within 7 days.
Once a customer purchases the product, they can receive the commission. Currently, Zalora is top 3 at the e-commerce industry hence joining Zalora affiliate program is highly recommended.
Cashback Program
Customer retention is essential for business because it enables the company to expand. See when a customer is loyal towards a particular brand, they automatically become repeat purchasers.
Hence, they also recommend others about the brand in which businesses will expand through customer Word-Of-Mouth.
With this cash incentive program, customers will feel rewarded after purchasing a product. Based on many e-commerce statistics, most of the customers are much paid. Therefore, with the cashback program is a key to keep customers to become loyal customers.
Lazada cashback can offer up to 8% when the customer uses the Lazada app only. The benefits are that the cashback will be tracked in 3 days will be notified through email.
Lazada confirms within 75 days, where the customer will receive an email once approved. Customers can receive Lazada cashback when they shop for good using the application.
Online Shoppers Are Increasing in Malaysia
Online shopping in Malaysia is expanding as many customers are beginning to purchase because it is much convenient to buy. Many find that online shopping has more choices to select, whereas traditional shopping shoppers can only shop within their area. Not only that many university students join online shopping in Malaysia as a side income.
Smartshopper Malaysia
Smartshopper Malaysia offers many products from baby products all the way to car care product. Smartshopper Malaysia has application can download from the app store or google play store.
With the use of this application, it brings convenience to customers. Because they can shop anywhere, anytime, anyhow hence many customers adopting e-commerce to buy now.
Therefore, customers can use smartshopper Malaysia to shop on their daily groceries. With the e-commerce application is beneficial for both buyer and sellers to enter such markets.
Pattaya beach resort was a tiny fishing village once and developed into a famed international playground with colourful and lively activities. Moreover, Pattaya is unrivalled as beach resorts.
Interestingly, Pattaya holds over two thousand accommodation options with exciting nightlife, shopping streets and colourful culture. The city has now become a bustling metropolis that has tourism as one of its most significant force in the economy. Pattaya city is also a family-friendly resort. Thus, the family can choose the terminal 21 hotel for more information.
Thailand is famous for its seafood produce. Providing ample seafood that customers can feast with different methods. Including bake, boil, steam, and bbq seafood buffet Pattaya.
Located just 150km to the southeast of Bangkok. Terminal 21 hotel has always filled with international visitors over three decades.
The northern section of the Pattaya beach is the favoured spot for tourist to conduct different activities. For instance, swimming, sunbathing, and not to forget-watersports at the best beach hotel in Pattaya.
Thailand weather is all year hot. The rainiest month is probably May, June, September and October. However, if you are a traveller that favours festive celebrations over a foreign country. January to February may be the best time as it aligns with the Chinese New Year celebration.
Scientific Studies Proves the Benefits of Seaside to You
Why do seaside the most preferred choice when people are going on vacation? Do you know? Swimming in the sea allows a person to get a full-body workout. Swimming in the vast sea will enable you to improve blood circulation and immune system.
Scientific studies suggest that various properties in the seawater such as vitamins and minerals produce antibiotic and antibacterial effects that promote immunity to your body. Thus, swimming in seawater is actually good for you.
Besides that, swimming in the warm seawater during special occasion also activates your body healing mechanisms. It allows your body to fight various diseases such as asthma and inflammatory better in general.
For girls that were always looking for ways to improve their skin. Travelling to Pattaya seaside should be your number 1 priority. Seaside water contains magnesium that increases your skin elasticity. Which your skin can get visible improvements on the hydration level and the appearance.
A substantial amount of sun is beneficial to your skin, such as psoriasis. After the seawater and sun, it comes to the ocean air. Do you know? The ocean air includes negative ions that can accelerate a person ability to absorb oxygen and balance your serotonin levels.
If the situation allows, you should make a trip to the seafood buffet every day to take full advantage of what it entails. Pattaya beach is one of your choices to enjoy a sweet walk every day. Swimming, sunbathing and physical activities on the sea are all beneficial to your body.
Eat the Best Seafood at Pattaya
Most restaurant will demonstrate how fresh their ingredients are by installing fish tanks by the entrance. Tips when choosing the bbq seafood buffet Pattaya you are going in, notice how many seafoods are in the containers and the condition of the seafood.
Lobsters, crabs, squids, prawns, octopuses, you name it, the restaurant serves it. The reason tourist like the best beach hotel is because they serve superb authentic Italian delicacies.
The seafood buffet is one of the must-eat staple food when a tourist visits there. Imagine eating seafood by the sea and the windy weather that perfectly fits with the scene.
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