Credit Card Considerations – 6 Tips on Choosing the Right Credit Card for Your Needs

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Credit cards are a great option for people who want to be able to make purchases today and pay them off tomorrow. But because there are many different kinds of credit cards available to clients, it can be hard to choose one that really fits your personal purchasing patterns. If you’re planning on availing of a credit card and you’re not sure which one to pick, read this short guide on how to make the right choice.1

  1. Understand the Annual Percentage Rate – This pertains to the percentage rate that you need to pay off every year, averaged over the full term of the loan. By choosing a card with a smaller APR, you can expect smaller monthly payments. Compare the APRs of different cards to select the smallest value and help reduce the cost of your monthly bills.2
  2. Check for Insurance – There are lots of credit cards these days that come tied in with insurance. These are often benefits that are written deep in the fine print, which is why many clients use their credit cards for years not knowing they have insurance to go with it. If you don’t already have coverage, consider getting a credit card with life insurance, health insurance, or auto insurance to make the most of the service you pay for.3
  3. Learn More about Charges – Different banks issue different penalties and charges for missed payments. Before you choose a credit card, look into the charges and fees to get a better understanding of what you’re getting yourself into. While it’s always better to avoid getting penalized, there is no way to guarantee that you will be able to stick to monthly payments in the future.4
  4. Look Into Loyalty Benefits and Rewards – Many credit cards will give you rebates when you reach specific limits for purchases, and these are ideal schemes for those who intend to use their cards for everyday shopping and expenses. Often, banks only issue rewards for certain brands that they are affiliated with, so be sure to check their partner companies to see if these are products and services you’re likely to avail of.5
  5. Weigh the Interest Rate – An interest rate of 1% might seem like a small value now, but when you add it up to your monthly payments, it can become a major increase. There are some banks that offer introductory interest rates that will let you enjoy smaller rates at the start of your contract. While these seem like a good deal, it’s important to look into the rate increase when the introductory period ends to find out how much you will really have to pay later on.6
  6. Research the Bank – Aside from the credit card itself, the bank will also play a rather hefty role in your user experience. Banks with bad reputations when it comes to credit cards should be avoided at all costs, unless you want to go through the trouble of missing rewards, lost rebates, and extra hidden charges. Talk to a bank representative before you choose your banking establishment and find out whether they’re an institution you can rely on.

Ready to take out that credit card? Make the right choices and get a card that really suits your needs. Follow this short guide and get the best out of your new finance tool.

5 Most Common Types of Minimum Wage Jobs in Malaysia



Beginning July 1 2016, a new minimum wage rule was imposed by the Malaysian government, called The Minimum Wages Order 2016 (MWO 2016). Whether it’s construction jobs or F&B services, all employees working in the private sector would be involved, with the exception of maids (domestic helpers).


According to Datuk Seri Richard Riot, Human Resources Minister, the minimum wages vary according to region. For Peninsular Malaysia, the minimum wages were set at RM4.81 per hour or RM1, 000 per month. For those working in Sarawak, Sabah and Labuan, their minimum wages were set at RM4.42 per hour or RM920 per month.


The daily minimum wage rate depends on a maximum of six-day working week (48 hours per week). Based on this, the daily minimum wage rate will be RM38.46, RM 46.15 for five days a week, and RM57.69 for four days a week in the Peninsular.


In Sarawak, Sabah and Labuan, the daily minimum wage rate for a six-day working week is RM35.38, RM42.46 for five days a week, and RM53.08 for four days a week.


The minister also said that the monthly salary should not be less than RM1, 000 in the Peninsular Malaysia, and RM 920 in Sarawak, Sabah and Labuan if the workers were paid on a commission, trip, tonnage or piecework basis.


What kind of jobs are minimum wages here? These are 5 most common types of minimum wage jobs you can find in Malaysia:


  1. Construction jobs (construction workers)

At extraction and construction sites, the lowest paid workers are normally day labourers and helpers. Because construction jobs require them to perform dangerous tasks which may involve things like explosives or scaffolds and exposes them to hazardous material (in addition to the job being low-paying), most of these construction workers are foreigners, with majority of nationalities include Indonesian, Bangladeshi, Nepalese and Burmese. The typical hourly rate for these labourers ranges from RM3.00 to RM5.00. To make matters worse, these workers are often denied benefits and compensation.


  1. Travel and hospitality jobs (cleaners and housekeepers)

Behind the beautifully made up bed lies a dark truth. Cleaners and housekeepers often make ends meet, barely earning over RM1, 000. Some hotel-chain maids are considered lucky to be earning a basic wage of RM900, plus other benefits (with the possibility to earn tips). Unfortunately for those working in bargain hotels and motels, they often earn less than that amount, with no benefit or tips.


  1. F&B jobs (fast food workers, kitchen helpers, waiters/waitresses)

While you’re hungry waiting in line for that burger, your fast food server may be living and surviving on near-starvation wages. The typical income ranges from RM4 to RM7 an hour for non-managerial positions, with minimal benefits. Many of these servers work to support their children, and a lot of them could barely afford healthcare or other basic necessities for survival.


  1. Retail jobs (sales associates, cashiers)

Those working in the retail industry not only have to deal with fussy and difficult customers, they’d also have to make do with the minimum wages they earn. A typical hourly rate for non-managerial positions such as sales associates and cashiers range from RM5 to RM8 per hour (those who work at designer boutiques may be lucky enough to earn more and receive benefits and tips). These jobs may require you to have decent or good Math skills.


  1. Other service jobs (petrol station attendants, security guards)

Service jobs such as petrol station attendants and security guards normally have a typical hourly rate that ranges from RM4.50 to RM7, with minimal to no benefits. While most petrol station attendants are local folks, security companies tend to hire foreigners as security guards. Often these security companies are unregulated, which results in safety issues and irregularities in payment.


All of the minimum wages jobs mentioned require no tertiary education background (as most companies prefer those with PMR or SPM-level education).

Wages may vary depending on companies (some may pay more or less), but every registered employer should follow the MWO 2016. As a rule of thumb, you have every right to question your employer whether they’re adhering to the new order. If they didn’t, you may lodge a report to a worker’s union.


Living in Style: The Best Family-Friendly Hotels in Kuala Lumpur


The family friendly hotels of Kuala Lumpur provide guests with spacious accommodation and convenience for public transportation. Some of the best hotels here have earned top marks because of affordable room rates, and they are close to some of the country’s most famous landmarks like the Aquaria KLCC and the Petronas Twin Towers. In addition, there are theme parks like Berjaya Times Square and Sunway Pyramid.
Real kid friendly hotels in Kuala Lumpur will boast an impressive range of facilities for children of every age. It will include game rooms, swimming pools, water slides and mini playgrounds. Meanwhile, adults can take full advantage of the saunas, the 24-hour fitness centres and the classy rooftop bars.

Nickelodeon Lost Lagoon 

A Nickelodeon hotel, this is the first Nickelodeon theme that has land in Asia. It is set on more than 10 luscious acres of tropical rain forest, and the park resembles the hidden world of a jungle that has been lost to the public. Some of the attractions include a Rain Fortress, a Giant Aqua Tube Ride and a Water Spray Area. Along with this water theme park, you also have restaurants and retail shops themed by Nickelodeon. Some of the hit properties include themes around Spongebob Squarepants, Teenage Mutant Ninja Turtles and Dora the Explorer.

Eastern & Oriental 


A five-star hotel that provides couples with relaxation and rest while the layout looks so clever that it preserves the privacy. Luxury and seclusion have become a huge hit here, and there are shallow ponds that have greenery in all shapes and sizes. In a way, it feels a lot like an island resort, but the most noteworthy aspect of this hotel is how close it sits to Berjaya Times Square. Here you have a shopping mall, many food choices, a yoga center and a kid’s playground that keeps everyone occupied.

Traders Hotel 

Another five-star hotel that Shangri-La designed, it is located opposite of Suria KLCC, and the Petronas Twin Towers can be found here. In an unparalleled location, some of the amenities include free WiFi, a business center, five meeting rooms. This hotel becomes a prime location for people who want to relax in the thicket of the action. You have a 34-story hotel, which boasts a 1.3 kilometre jogging track, and it has a pool with a gym, sauna and spa. If you decide to stay at Traders Hotel, be sure to check out the Sky Bar, which is the city’s top rooftop bar. With the pedestrian bridge, you will be connected to Suria KLCC mall, and you will have access to the KL Convention Centre.

Kuala Lumpur has a dose of cultural charm that will with tons of Chinese history lessons and early exposure to another culture. Another fact is that Kuala Lumpur is actually one of Asia’s most active metropolises, and you will enjoy a blend of different cultures and religions. Also, you have a lot of affordable and tasty street food like Indian, Chinese and traditional Nyonya. The bottom line is that Kuala Lumpur has a lot to offer tourists.



The Top 9 Things to Buy Via Chinese New Year Deals Online

If you love getting amazing deals when doing online shopping in Singapore, then get ready for the Chinese New Year. Each year, this event signals some of the best deals on the Internet. This means if you’ve had your eye on some things you’ve been wanting to buy, the Chinese New Year might just be the time to go ahead and buy them!

The 9 Things to Buy with Chinese New Year Deals

1. Smartphones

Getting the best and newest smartphone is not a luxury everyone can have. But if you shop during this holiday, you might be able to snag the newest model for an excellent price.

2. Clothes and Accessories

If you have been looking to get a new pair of designer jeans or a brand new spring jacket, during the Chinese New Year is the time get these items at a great price. Look for New Year sales and try to buy in bulk to save on shipping as well. Often, you can make returns at the brick and mortar store for free.

3. Groceries

Yes, you read that correctly. Food items and other things you use regularly in the kitchen, bath or home in general can be discounted by quite a sum during this holiday. For example, try shopping at Fairprice Online Grocery for some great deals that you won’t find at any other time of the year.

4. Subscription Services

Sometimes, subscription services to music, movie or audible book sites can be really expensive. Fortunately, on holidays like the Chinese New Year, prices go momentarily down, and you can nab a great deal.

5. Appliances for the Kitchen

If you’ve wanted one of those new coffee makers or maybe a big mixer, these items will definitely be on sale during the Chinese New Year. Often, they’re not on sale at any other time of year.

6. E-Readers and Tablets

Tablets and e-readers are often things that you don’t have to have. If you have a smartphone and a computer, you’re usually set media-wise. This means that as a bonus electronic device, you should definitely try to get one of them on sale!

7. Jewelry

Jewelry is always an expensive item, but during the new year celebration, it definitely gets discounted. You might consider getting a jewelry piece to stow away for a birthday gift for someone you care about.

8. Desktop Computers and Laptops

A computer or laptop can be one of the most expensive items you buy, but purchasing one during the Chinese New Year can save you hundreds of dollars in many cases. Make sure to shop around.

9. Gift Cards

Stores love selling gift cards because they often hope that people who buy them won’t end up using them! But if you’re smart, you’ll buy them at a discounted price and definitely use them.

Finally, don’t forget to do shopping in advance and compare prices. You’ll want to know exactly where the best deals will be and when so that you can nab those amazing prices for the Chinese new year!


Best Advice and Tips on How to Manage an Office


What seems simple – managing people – is in fact one of the easiest things to stumble on for a business. Many business owners focus so heavily on profit margins, products, and competitors that they forget their most important resource really is their employees. Below are some advice and tips for how to manage a serviced office.

Listen Carefully To and Fully Understand Your Employees’ Needs 

While it may sound obvious, your employees are people, not cogs in a machine. And different people have different needs. The hallmark of good management is to recognize this, and inspire and draw out the best in your employees. Show appreciation for and recognize their talents and good work. Take a personal interest in their lives, even if it’s only superficial. Organize fun events at the office.

C6E4GF USA, New Jersey, Jersey City, Young woman working in office. Image shot 2011. Exact date unknown.

Cut Out Underperforming Employees 

Knowing when and how to pull the plug is critical to managing an office. Many employers wait too long, giving an underperforming employee ample time to improve even when it’s clear he or she is not the right fit for a position. On the flip side, some employers fire employees after less than a week on the job, giving them absolutely no time to adjust to an office’s environment. Anything short of a major malfunction or other faux pas should be given at least a couple of months, especially in an office environment.

But an employee who’s been underperforming for months? They need to be let go, barring any applicable employment laws or employee contracts.


Adapt to a Changing Business and Technological Environment 

It’s no secret that business owners are baffled by the question of how to retain employees of the Millennial generation. And, to be honest, some of the blame is rightfully on business owners. The late 2000s and early 2010s were an employers’ market, and we largely took advantage of that. The unfortunate side effect of this was that employers began to lose their employees’ loyalty. The length of time an average employee stays at a company is now significantly less than it was two decades ago.

How to combat this? Research what younger employees really want in a job (such as the desire for their position to be meaningful) and not only appeal to that but deliver. Keep up to date on new technologies and software that are relevant to your industry and implement them if a good match.

Keep On Top of Things, Both Big and Small 

Copiers need refills of ink and paper. Kitchens need to be up-kept. Meeting rooms for rent might need to be arranged. Office spaces and whole buildings need occasional renovation. Managing an office requires being aware of everything that’s happening around you and reporting any issues, requests, or suggestions to your superiors or whoever else is authorized to make such decisions. Something as minor as whether the outside of your office building is well-maintained could influence clients’ decisions about whether or not to do business with you.

Managing an office is a much bigger task than it may appear at first glance, but many people are up to the challenge. Follow these and other tips to ensure you aren’t the boss your employees complain about. One last bit of advice: make sure you get some kind of management training, either officially, through books, or from a mentor.