Uncategorized

Undoubtedly, transportation is a necessity. Indeed, some people need a car as a major carriage. But, before having a car, understand this philosophy.

“Buy a car is not wrong, but buy a car beyond its ability to charge it is wrong”

This year 2019 can be said to be the year of the car, as many launches of the new car Malaysia have been and will be done. Among the ones that have been launched; Perodua Aruz, Proton Exora Facelift, Mitsubishi Triton and many more.

So, how to make sure the purchase of a car is not a burden? Can follow the following car formula formulas:

1. Annual salary formula

The first formula, make sure the purchased car price does not exceed the amount of salary a year.

Suppose a young graduate who is just starting to earn a salary of RM 3,000 per month, so the total salary is RM 36,000 (RM 3,000 x 12 months). The car that he was supposed to buy was a car worth less than RM 36,000.

Why a year’s salary? Well, let’s say he wants to use his ‘qualifications’ and plan to buy a Proton Saga car for RM 36,000. Less a deposit of 10% (RM 3,600), the remaining RM 32,400 is paid on bank financing.

If you refer to the estimated car financing payment, then your monthly instalment amount is around RM 480 / month for a period of 7 years, which is approximately 16% of the monthly salary.

2. Formula 20: 5: 15

This formula may be more stringent than the first formula. 20: 5: 15 refers to 20% of deposits, 5 years of funding/loan and 15% monthly instalments of monthly income.

How to calculate the price of a decent car purchased? Can see the following simple calculations for those who earn RM 3,000 a month.

For a monthly installment of 15%, the total is 15% x RM 3,000 = RM 450

Then the price of a decent car purchased (estimated car loan / car loan rate = 3%): (RM 450 x 60 months) + (RM 450 x 60 months) (5 years x 3/100) = RM 31,050

Yes, with a salary of RM 3,000, the price of a car worthy to be purchased with a 5-year financing/loan period is around RM 31,000 only.

Furthermore, a 20% deposit is required to be RM 6,200 to make the total financing/loan required to be RM 24,800.00

The above calculations are a simple calculation to determine the estimated car prices that can be purchased with the formula 20: 5: 15, which can be used for other payroll values. More accurate estimates need further calculations and refer to the bank

For more than Six decades since its beginning in 1953, AIG Malaysia serves the nation with insurance & risk management solutions that customized and fit the needs of individuals and businesses. With 15 offices nationwide and growing, AIG’s operation is maintained by a big network of brokers, agents, and schemes. These resources has allowed them to deliver premium quality delivery with references to services and exceeds clients’ expectations.

Personal Insurance

Acknowledging that not a single thing more vital than protection and assurance while confronting the uncertain future, AIG Malaysia comes with a selection of solutions which were ideal for both business and personal needs.

Possessing a property registered under one’s name is actually terrifying without insurance coverage since it will lead to a substantial loss as soon as unwanted happens. Hence, the Malaysian government makes it mandatory to obtain a home or car insurance whenever individuals get a car or even perhaps a house. On the insurer’s side like AIG, they actually do their part by making certain the clients are fully covered from various risks that are commonly associated with cars and homes.

Nevertheless, in order to protect one’s own well being will be the ultimate necessity. Due to this fact, AIG along with its agents happen to be striving to elevate awareness to the importance of health insurance. This effort looks like fruitful given that the statistics of health insurance coverage and personal accident insurance subscription continues to be showing a positive growth.

For business owners, high-level risk management solutions are supplied. From property insurance to liability insurance, marine insurance, aerospace insurance, in addition to engineering related insurance; firms can subscribe an adaptable yet thorough plan that serves their risk management needs.

Business Insurance

The objective to supply customizable programs on account of AIG’s knowing that different businesses from different sectors, such as those involved with education, professions, hospitality & leisure, import & export, communications, or media & technology industry, have different risk management demands. Further, they’re informed that scale matters, and thus AIG furthermore has released SME Package for helping protect small companies with an economical subscription plan.

Hence, companies, as well as people who will be interested to subscribe to any sort of protection plan from AIG, can certainly receive a quote through their website. Plus, customers may also check out the number of authorized agents near their residing place to receive a more personal service.

To Conclude

AIG Malaysia’s latest strategy is definitely remarkable since they begin to partner with one of the few prime e-commerce players in the nation, Lazada Malaysia, that allows online insurance purchase inside their partner’s platform. That should ultimately give maximum convenience to subscribers as they are able just to buy insurance, get a quick registration, and get the plan activated within 72 hours. Cast glance of AIG’s solutions at https://www.aig.my/personal.

When you are reading this article, more than likely your existing smartphone is sluggish and constantly running out of memory. The time to ditch the old, faithful companion and grab yourself a new smartphone. Honestly, it is challenging to keep updated when new smartphones appear in the market monthly. Before getting confused from the marketing gimmicks or numerous features that you never ever use, here are a few tips to consider.

Operating System

Operating System. You’ll find mainly 2 kinds of OS – Android & iOS. As reported by users, iOS is typically simpler to use, but Android provides more personal preference. So that you can have the possibility to utilize the latest apps first, use iPhone. However, if you would like more hardware option, that include Vivo, Huawei, or Oppo, then Android is without a doubt to go for.

Screen Size

Screen Size. Nowadays, we use smartphones for more than just making a call. A faster internet connection and much better quality of multimedia, we spend considerable time staring at the screen to view videos on Youtube or Netflix. This is when a bigger display size beneficial. One example is, smartphones like Vivo V7 Plus have huge display size you’ll like.

Display Quality

Another important feature of your smartphone is considered the image quality. Do not just concentrate on the resolution. A 4K screen sounds great but is basically unnecessary on your smartphone. Way lower resolutions are fine considering that people can’t see the distinction between 1080p and 2K resolution on smartphones, not mentioning 4K. What’s more vital could be to examine the color quality plus the brightness of the screen, because this really influences the consumer experience.

Camera Performance

Camera Performance. Sometimes you may think the camera quality of Samsung and Apple phones might not be defeated, well you should think again! Because other budget smartphones like the Vivo V15 has awesome camera lens too. Make absolutely certain you test both of the front and back cameras as soon as you arrive at the store, make sure you test the video quality on top of that!

Camera

In these times where videos, photo’s and games in your smartphone are more and more important, you intend to be sure to have plenty of storage capacity. We suggest you to definitely go after not less than 32GB. Do you record plenty of videos or do you ever upload your entire meals on Instagram? Then consider 64GB of storage. Especially on your iPhone, it is important to recognize how much storage you want because you can not change it after. However, on Android phones, it’s an easy task to get more storage because of the Micro Sd card.

Battery Capacity

Battery Capacity. How often are we were unsatisfied with the battery endurance of our own smartphones? Screen size and long-hour use of the internet will always require for a smartphone with great battery capacity. So, never settle with anything not as much as 3,000 mAh, or you will be annoyed considering the frequent need to recharge your battery.

Additional Features

More Features. A few of the times, it’s likely you have an exceptional need in regards to choosing a mobile phone. By way of example, buttonless surface, waterproof design, together with dual sight mode are often fun and helpful to have when you want them.

To Conclude

Finally, we advise that you simply consider carefully before you make a purchase. Never overpay! Sometimes, budget smartphones can also have good features – with no need to pay a brand tax. So, it’s your choice. Happy hunting!.

Owning a running business comes along with blocks. Nevertheless, with right tactics and methods, your organization will work its right up the pecking order. The wide range of product offerings, timing additionally, the targeted audience that you picked are large determinants relating to just how your company performs in gameplay.

Job Advertisement : Keep Your Standards At High Level

The key to a flourishing enterprise is having the best players on your workforce. With an incredible team, there are no stumbling-blocks your organization cannot overcome. If the company comprises of staffs with the crucial abilities and way of thinking, no doubt that with each other, your company will achieve lasting success.

Hiring the best-suited job candidate is oftentimes tiresome, particularly for HR managers ahead of the advancement of technology. Word-of-mouth, bulletin boards and then later, postings in newspapers were the only approach of hiring. Managing the database of possible employees was also complicated as resumes were composed on paper in earlier times, causing it to be tough to access and organize employment applications.

On the other hand, the presence of the digital era transforms how we recruit talents. Recruiting personnel on the internet is now possible and working with a plethora of applications no longer is tricky. It’s also possible to get in touch with a wider array of audiences by recruiting online and always be time and cost effective.

Mark Chang Mun Kee first launched Jobstreet in 1997 hoping to present an internet-based platform to match up job seekers and firms. Around a decade later on, it is now undoubtedly one of Southeast Asia’s top rated online recruitment marketplace. Today, this business serves 80 thousand corporate clients and 11 million candidates by simplifying the communication and matching of job opportunities between recruiters and job seekers.

Jobstreet shows its appreciation to appreciated website subscribers by giving quality services. It accepts people looking for work originating from different backgrounds to enable a good ground for building a professional profile and looking out for vacancies. Its superior algorithms allow some kinds of job ads to meet the needs of suitable candidates. By means of Jobstreet’s talent search characteristic, looking for the most experienced candidate in the region is as easy as ever.

The candidate selection process evolves for the better thanks to Jobstreet. Currently, with an increase of transparent data pools, cutting-edge employee filtering system and impressive tools for communication, discovering the right candidate is just as effortless than ever before.

To Conclude

Jobstreet founded its headquarters in Malaysia and had since expanded its target audience to Singapore, Philippines, Vietnam, Thailand, Indonesia, along with Hong-Kong at present. The objective of this company is to elevate true potential by matching great job seekers with reputable companies across the region.

Thinking about employing driven and efficient people to boost your team’s performance? Visit Jobstreet employer site as the ultimate talent acquisition solution now.

Electrical and electronic products have created our life a lot easier, handy, and secure. However, we must be wary associated with this equipment because they may cause danger in case quality isn’t good. However, with Mitsubishi Electric Malaysia, it’s not necessary to worry basically because they only provide prime quality and high-performance solutions that will be safe to use.

Mitsubishi Electric Malaysia: Electrical and Electronic Equipment

Established in 1921, Mitsubishi Electric is most likely the major worldwide multinational electronics and electrical equipment company headquartered in Japan. Set up in Malaysia, Mitsubishi covers the territory providing multiple types of equipment, that include home product like ac, refrigeration systems and many more.

About Air Cond

However Mitsubishi Electic is not merely limited to air conditioning equipment production most typically associated with household purpose, mainly because they ended up being the first choice available in the market, but they also offer air conditioner systems that are normally suitable for residential, industrial and commercial use, all energy-efficient and environmentally friendly.

Building System

Have you ever wonder what exactly is the version of the lift, elevator, or escalator that you may have used every day? One of these is, in fact, Mitsubishi Electric. Their building system is properly suited for commercial and residential users. Through their cutting-edge technology, their equipment makes sure the durability, safety, and reliability.

Automation System

With Mitsubishi Electric’s Factory Automation System, higher productivity and energy-saving may be possible. As an example, they successfully helping their customer to increase their added value and competitiveness. Some of the well-known automation systems are plc (Programmable Logic Controller), industrial robots, and Human Machine Interface (HMIs).

Home Products

Deemed as their primary product, the electric fan could be the product that set them apart from other competitors. Apart from that Mitsubishi Electric a wide range of other high-quality home products for consumer use such as refrigerator, jet towel, all safe and environmentally friendly.

Green Environment

Align with corporate mission, their aim will be to ensure a sustainable global environment, a safe, secure, and comfortable lifestyles while fulfilling customer needs. Produce a low carbon city, a recycling-based society, and respect biodiversity is definitely the pillars from the Environmental Vision 2021. To help with making this happen, they apply their advanced technology.

Research and Development

Mitsubishi Electric has added up multiple of Research and Development Center as they want to keep moving to obtain produce products that maintain top of the range without giving any problems for the planet and everyone. Most of the R&D centers are Mitsubishi Electric R&D Centre Europe B.V. (MERCE) and Mitsubishi Electric Research Laboratories (MERL).

Conclusion

As for the bottom line, this Japan’s electrical brand, Mitsubishi Electric has come up with a lot of achievements to strive for superb manufactured goods give an advantage to people and the environment. Feel free to visit their site and follow on their own social media accounts to learn about their technology and items.