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Ask These 2 Things Before Taking Up Credit Card Promotions in Malaysia

Credit Card Promotions in Malaysia

Introduction – Modern Age, Modern Currency

The evolution of technology over the course of time heralds many cultural, scientific, and financial changes. One of these evolutions can be observed in the systems of managing, measuring, tracking, and using modern currency. With technological innovation, all of the world’s currency systems have become substantially digitized, both in the matter of accounting and usage.

As a result, it has never been easier to use and track money. And one of the most innovative and praised inventions that technology has had on the world of currency is the credit card. A digital extension of real-world cash, credit cards track, record, and authorize the use of funds when you purchase goods and services.

It is then not a surprise to see how credit cards use has exploded in the past decade. Even in Malaysia, where people were skeptical towards credit cards before, the increase in usage is substantial these past few years. Besides the convenience that Malaysians have of having access to money at all times without needing to carry masses of real cash, credit card lenders can offer promotions for specific cards that provide powerful benefits and bonuses for those who qualify.

 

But Malaysians should always approach such offers with a fair bit of caution and make special considerations before accepting them. Here are two things you should consider before taking up credit card promotions in Malaysia.

 

  1. What Are Your Financial Capabilities?

Before you consider pursuing credit card promotions of any kind, you need to consider your financial capabilities. That is, you must ask such questions as; “How much debt can I handle?” “Am I in the position to afford any additional debt?” “How could I pay off any debt or fees in such a situation?” and, “How will such debt impact my personal finances?”.

Such promotions may appear attractive, but they aren’t free. They’re simply upgrades to more beneficial and prestigious cards than before, with numerous additional benefits besides their basic value as credit cards. Knowing how much you can push your finances without breaking the bank is an important thing to determine first.

 

  1. How Will My Credit Score Impact My Eligibility?

Without a doubt, this is one of the single biggest things you need to know and consider before considering and accepting any type of credit card promotion in Malaysia, for credit score will determine if you even qualify for many of them.

Inspector. Chart is my design and artwork. Thanks. Credit Score expressed by a chart that uses a numerical formula based on an analysis of an individual’s credit files to assess the creditworthiness of that person from Very Poor to Excellent. Protecting your credit score is important and not doing so will make it difficult or more expensive to borrow money.

Your credit score is essentially a measurement in the form of how trustworthy you are with handling debt. It is affected by many things, such as the length of your credit history, your payment history, your credit utilization (how often you use your credit card, and whether you spend it within your account limitations).

A higher credit score will make you more trustworthy in the eyes of many Malaysian banks. Such trustworthiness means you will be eligible for more financial privileges, such as the credit card promotions in question.

To sum things up, there are important considerations to make before making the choice to upgrade your credit card. Though the benefits of an upgrade may seem appealing, Malaysians need to be sure their financial situation is ready for such a change, lest they unwittingly overburden themselves. Your goal should be to ultimately improve your finances, not ruin them.

BEGINNER’S LUCK – 8 Things That Happen to You After You Get Your First Credit Card

There is a first time for everything so they say. But for the yuppie professional across the globe, owning your first credit card brings a whole lot of wonder. You are now considered part of the mainstream working class with the spending power. As first timer, the predisposition to immediately use your credit card is very strong. Your likely option is to take advantage of the credit card promotions in Malaysia which probably is one of the reasons why you applied for the plastic in the first place.

Owning your first credit card is serious stuff. While it is stimulating, with the sudden increased capacity to purchase, it comes with serious responsibilities too. Your plastic is a tempting companion wherever you may be. People around you use credit cards for small to large purchases, from the necessities to the most luxurious items. The power to spend is in your hands.

However, some things happen to you when you are ready to use and swipe that plastic card of yours.

 

8 Things That Happen to You After You Get Your First Credit Card 

 

  1. You feel a sense of pride and acceptance.
  • But you need to educate yourself about the proper use of credit cards.

 

  1. Your status has been elevated several notches higher.
  • You were granted a privilege not wealth.

 

  1. You now belong to the mainstream consuming public.
  • But be a responsible consumer when you think of spending.

 

  1. You have the means to purchase items you only dream about.
  • Your purchasing power should equate to your earning capacity.

 

  1. You are tempted to buy things that come your way.
  • Learn to distinguish need from impulse buying.

 

  1. Your tendency is to finish off your credit limit
  • Whatever you purchase with your plastic is not free, you pay it back.

 

  1. You do not care about the repayments and surcharges yet.
  • Don’t get carried away. You will pay more when you default in payments

 

  1. You feel the urge to get a second credit card
  • Build your credit standing first. A second credit card means spending beyond your means. It will only lead you to financial misery. You are also bound to lose your first credit card privileges.

 

Again it has to be emphasized that owning a credit card is serious stuff. Remove the notion from your head that it is a status symbol. It is no longer that way. Just about everyone owns a plastic. Remember that having a good credit reputation is for the long run. You build it up with the prudent use of your first credit card.

 

 

5 Pampering Beauty Products For Career Gals To Try Over The Weekend

Image result for Being a career woman in Malaysia comes with its own challenges

Being a career woman in Malaysia comes with its own challenges. Besides the hard, long days at work, you need to work extra hard just to prove yourself. Take a break over the weekend and unwind in the comfort of your home! Skip going out to the mall or spending your day at the spa by doing your spa treatment at home! Check out these five pampering beauty products for career women to try:

  1. Black clay mask. Black clay masks are all the rage in many Asian countries, and the trend seems to spill over to Malaysia. What sets the product apart from other facial masks lies in its antibacterial, pore-decongesting, and detoxifying properties that are suitable for oily and acne-prone skin. The surprisingly soothing mask sucks gross, oil, and dirt instantly off of your skin without stripping away your skin’s essential oil. Plus, the product is made of natural ingredients.Related image
  2. Nail therapy treatment. We tend to put an emphasis on our skin while neglecting the other parts of our body. If you’re building a career, the first impression always counts. Start with having clean fingernails, especially if you do a lot of handshaking with clients or customers. Get a pack of nail therapy treatment to create a mini spa treatment at home. The product not only moisturizes and soothes your cuticles and nails, but it also delivers all the right nutrients needed for healthy and glowing cuticles/nails.
  3. Hydrogel sheet mask. Like most career women, you’re probably glued to your desk and stared at the computer screens for hours. This leaves you with dry, tired eyes. Brighten, de-puff, and soothe your eyes over the weekend using a hydrogel sheet mask, formulated specifically to treat tired and dry eyes. For best results, you can use it weekly over the weekend and see the positive outcome in a month.Image result for women use Snail repair cream
  4. Snail repair cream. A Korean craze that’s starting to gain popularity among Malaysian beauty lovers, a snail repair cream is typically formulated from snail secretion to help you prevent wrinkles or fine lines and promotes skin elasticity and regeneration. You’re left with a more supple and smoother skin. Not only are snail repair creams perfect for those with dry skin, but you also get to benefit from it as well if you have oily skin as the serums and essences of the product provide long-lasting hydration without leaving your skin greasy.
  5. Cleansing oil. The skin therapy that’s popular throughout Asian countries, cleansing oil comes with multiple benefits, and they include cleansing and exfoliating your skin without stripping it off of its natural oil and nutrients, as well as breaking down all traces of makeup, debris, and dirt on your face. The product is especially perfect for dehydrated and dry skin. The best cleansing oil in Malaysia may come in the forms of solid or light consistency.

To build a successful career, one of the most important things for you to do is to take good care of your skin and your overall appearance. The more presentable you look, the higher the chance for you to climb the career ladder. You don’t have to spend a lot of money just to have that perfectly radiant, youthful-looking skin. The trick is to have a skincare routine that you follow on a daily basis and pampering your skin and body every once in a while.

4 Practical Tips In Finding Job Vacancies In Kota Kinabalu, Malaysia

If you are planning to get a job in Kota Kinabalu, you have to understand that the city is an industrial and commercial center. With that said, the majority of the high-paying jobs in the city are connected to these sectors. If you have a degree related to business, management, engineering, and information technology, it should be easier for you to find a good job there. To help you out, below are some tips you can follow in looking for job vacancies in Kota Kinabalu:Kota Kinabalu city is recommend place for you to find a job to work

  1. Get in touch with the local government agencies associated with labor and employment. These agencies often conduct job fairs where you can connect with companies looking for new employees. A lot of these organizations have also partnered with local businesses for hiring purposes.
  2. Directly contact the HR managers of the companies you want to work for. This strategy may seem unethical, but it works because it sends the impression that you are really serious about getting the job. Just make sure that you know what to say when the HR manager gets back to you. It’s all about selling yourself and your skills.
  3. Be creative in updating your resume. It’s important that you create different versions of your resume depending on the industry that you are applying at. For instance, if you are applying for a technology firm, you should highlight your skills and experience that are relevant to information technology.It's important to create different versions of resume depending on the industry that you are applying in KK
  4. Always follow-up your applications. Don’t wait for the company or the HR manager to get back to you. If a few days have passed by, make it a point to either make a phone call or send an email to follow-up on the status of your application.

It’s advisable that you move to Kota Kinabalu before looking for a job there. That is if you are not already a resident in the city. It would be much easier for you to land a job if you process your papers on your own. As we mentioned earlier, a lot of the companies in the area operate in the industrial and commercial sectors. When these companies hire new employees, it’s always a must that applicants appear in front of their HR managers for interviews and tests.

WHEN OPPORTUNITY KNOCKS – Top 3 Tips for Landing Your Dream Job in Kuala Lumpur

Malaysia’s capital, Kuala Lumpur, continues to attract foreign corporations for the purpose of setting up regional offices in this global city. With its international image, job seekers are also drawn to develop and build careers if given the opportunity.

If you are setting your sights to work here, you can check postings online, dailies, and even university bulletin boards for job vacancies in KL. However, while your degree course or diploma is a pre-requisite to specific jobs, your skills showing your capability to multi-task gives you better chances.

In KL, the service sector employs the greatest number of workers across different industries. This sector is filled with career opportunities. The important aspect is to take the professional approach and not leave anything to chance.

Top 3 Tips for Landing Your Dream Job In Kuala Lumpur

If you are shortlisted by an employer or hiring agency, securing that dream job requires careful groundwork. The following tips will help boost your chances.

  1. Detailed Curriculum Vitae (CV)The CV is your first ticket to a successful application for job in KL

The CV is your first ticket to a successful application. A well-written CV consists of your personal background & contact details, educational attainment & academic achievements and work experience, if applicable. All the information contained in your CV should be truthful and verifiable.

  1. Firm Career Objective

Make a strong career goal. Identify the industry sector you want to belong and where your skills can be best utilized. Research is an important part of your job hunt. Evaluate the job description, find out more about the employers and their expectations.

  1. Perfect Your Communication SkillsBusiness people around table

Since KL is a global city, English is the spoken business language. Improve your English communication skills and not your vernacular language. Keep this in mind. Otherwise, it will weaken your position.

While job opportunities for young professionals and fresh graduates are plenty, the arena is highly competitive. Employers are looking for candidates who have the potential to add value to the organization. Boost your chances of being hired and avoid rejection due to lack of professionalism. You are in the real world now.

5 Essential Tips In Choosing A Virtual Private Server Provider In Malaysia

T-If you run a website with a relatively large amount of traffic, it’s advisable that you use a virtual private server to ensure that the website is not susceptible to outages and attacks. There are virtual private server providers in Malaysia that offer this kind of hosting. However, you should take the time to weigh all your options to ensure that you hire the appropriate company. Below are some practical tips on how to choose a reliable private server provider:T

  1. The host should offer an uptime rate guarantee of not below 99.99%. Since you are paying a premium for the server, you should also receive a premium uptime rate. With an uptime rate of 99.99%, there is little chance that your site will ever go down because of heavy load and traffic.
  2. The provider should offer both managed and unmanaged VPS hosting. These options have their pros and cons. What you choose depends on your personal preferences. However, you should also have the ability to switch from managed to unmanaged hosting or vice-versa anytime you want.
  3. The hosting company should provide 24/7 customer support. This is an essential aspect of VPS hosting because you never know when something goes wrong. A support representative should always be there when you need assistance with your server.
  4. The provider must have round-the-clock monitoring of your server. This is to make sure that your website doesn’t go down in critical moments. Close monitoring is also useful in keeping hackers away.
  5. The control panel should be easy to manage. This is imperative if you are not that savvy when it comes to managing servers. Some providers train their clients on how to effectively run and operate their servers.1

It’s essential that you take these tips seriously because you will be working with the hosting company for years. The reliability of the hosting company is highly instrumental in the success of your website. If your site goes down too many times because of server issues, your customers and other interested parties will stop visiting. This will hurt your business both in the short and long run. So choose your host wisely.