Membeli rumah boleh menjadi sangat menyeronokkan dan penuh keseronokan tetapi pada masa yang sama ia boleh menjadi mimpi ngeri dan tekanan juga. Kebanyakan orang membeli rumah untuk memulakan keluarga, permulaan yang baru dan mempunyai platform untuk membuat pelaburan di Malaysia. Tetapi, perjalanan membeli rumah boleh menjadi jalan yang beralun jika anda tidak mempunyai pengetahuan yang betul mengenainya. Anda perlulah tips beli rumah pertama jika anda tidak ada pengalaman tentang pembelian rumah. Beli hartanah perlu ada ilmu dan anda hendaklah berhati-hati supaya dapat memiliki rumah sendiri. Sinilah garis panduan tentang beli rumah pertama. 1. Membuat “Research” Sedikit Terlebih Dahulu Idealnya, anda ingin memahami asas-asas harta kediaman di Malaysia seperti pelbagai jenis rumah dan jenis tanah yang ada, jenis pinjaman rumah dan garis panduan pinjaman serta kualiti pemaju yang baik. Anda perlu melawat lokasi tapak rumah yang ingin beli untuk menilai adakah dekat dari tempat kerja ataupun mengikut spesifikasi yang ditetapkan dalam dokumen perjanjian. Anda perlu research dengan bercakap dengan orang-orang yang tinggal di sana supaya anda dapat jawapan yang jujur terhadap soalan anda. 2. Berapa Banyak Duit Yang Anda Perlu Untuk Pembelian Rumah? Secara asanya untuk membeli rumah pertama anda perlukan deposit sebanyak 10% daripada harga rumah. Contohnya jika rumah berharga RM400,000. Anda perlu ada tunai RM40K untuk deposit sahaja. Apabila anda telah menemui rumah mampu milik yang anda suka, anda perlu mengambil kira yuran untuk dokumen perjanjian dan yuran guaman. Jadi, apa anda boleh buat? Anda kena membuat kira-kira sebelum anda membeli sebuah rumah. 3. Evaluasi Diri Anda Anda boleh mula dengan mengira berapa banyak wang tunai yang ada di tangan anda. Jadi, anda boleh menggunakan cara kira loan rumah untuk membantu anda menyediakan bajet yang betul. Kalau anda ingin beli rumah cepat, anda perlu membuat simpanan dan jangan berlebihan guna kad kredit jika anda ada. Selain itu, anda janganlah menjadi debt lovers kerana nanti susah nak bayar ansuran bulanan rumah. Kalkulator loan rumah boleh membantu anda dapat kawal kewangan untuk mengetahui berapa banyak harga hartanah yang boleh anda beli. Mulakan kumpul deposit bermula dari sekarang dan buat keputusan lebih bijak! 4. Mendapatkan Pinjaman Rumah Anda Adakah anda boleh “mampu” untuk membeli harta dan melayakkan pinjaman rumah berdasarkan tahap pendapatan semasa anda? Bagaimana untuk mendapatkan pinjaman perumahan anda diluluskan? Bukan sahaja semak semula dan penstrukturan semula pinjaman sedia ada, tetapi anda perlu tahu cara menghitung nisbah servis hutang (Debt Servising Ratio) sebelum permohonan pinjaman rumah. Pinjaman harta tanah tidak pernah diluluskan terlebih dahulu, jadi memberikan dokumentasi lengkap kepada bank jika anda ingin memohon pinjaman peribadi. Untuk mendapat kelulusan dengan cepat dan kadar faedah rendah, anda perlu membuat pembandingan tentang pakej-pakej daripada institusi kewangan dan bank. Dengan pinjaman islamik, pihak bank melakukan pembelian atas pihak peminjam dan menjual semula harta tersebut dengan harga dan kadar keuntungan yang telah dipersetujui. Jadi, ini bukan “pinjaman” tetapi “pembiayaan”. Apa-apa pun, tengok rate offer yang anda dapat dan bandingkan. Dengan pengeluaran kwsp untuk beli rumah, KWSP akaun 2 adalah salah satu simpanan untuk membiayai pembelian rumah. Oleh itu jika pinjaman perumahan penuh (100%) diperoleh, maksimum yang boleh dikeluarkan adalah sehingga 10% dari harga rumah. Pastikan yang pinjaman anda diberi oleh syarikat yang berlesen ye. Selalunya anda memohon pinjaman beli rumah dengan bank, jadi tak ada masalah sebab bank memang dah berlesen pun. Anda perlulah berwaspada dengan bajet juga kerana anda perlu gunakan wang anda sendiri terlebih dahulu, kemudian baru claim dengan KWSP.
Are you planning to buy a cheap property? In this day, there are many ways you can buy a property than the traditional channel of searching real estate listings. There are a lot of best deals when you purchase an auction property. Why should you buy an auction property? The reason is instead of purchase a huge amount of buying a new house that not even built; an establish second-hand property is way more ideal at some point. Benefits of buying an auction property Less risk Most of the time, buying a house at auction is less risk than buying through the usual process. The chance you will get cheat will be higher when you buy a property through the online agent. Today, the number of scammer on the internet has been increasing. A lot of people get to cheat and lost a massive amount of money on that. Lower price One of the most appealing benefits of buying a property from the auction is you might have the chance to get below market value property. The price of the property in the auction may be much lower than the comparative property listed in the sub-sales market. You can save a lot of money by getting a below market value property. Save time Instead of taking part in the developer’s new launch, looking for the best deal, why not try a different way to get the best deal? Instead of studying and participating in the new launch time and energy, and can be easily redirected to auction property, why not just try to get a lelong property? Purchasing a lelong property will help you to save a lot of time to searches the website one by one or asking the people. How to get the right auction property? Hire expert The one way to ensure you get the right property in the auction is you can hire the expert. You may need an expert to help to bid in the auction if you have no clue about all the bidding process. Hiring an expert can give you the most valuable information, and they also will help you to analyze the value of the auction property Malaysia. Preparation in advance Instead of hiring an expert, you also need to do some preparation before you get in the auction. You need to think of your budget, how much you will spend in this auction to get your ideal property. If you have not enough budget to spend on hiring an expert, then you might need to learn how to bid. You should learn the process of bidding and listen to the recommendation of others. To get the auction property is not just as simple as raising your hand in the auction, there are still many things you need to know. If you think you have no idea of that, then go ahead and start to do some homework right now! Proper checking Before you go to the auction, you have to check the background of the property you eyes on. This is to ensure the house or the building you will buy later will not have any issue after you get in. Make sure the property you are looking is well maintained and does not have any severe ageing problem.
Technology and digital transformation have a big impact on revolutionary changes. Even in the medical field, people have a different point of view and perspective when it comes to their health. Nowadays, they prefer to choose to consult the internet and let it define healthcare. There is a lot of medical creative agency in Malaysia that can cater and provide all updated information. It has been a trend now for medical services needed they are choosing the best digital marketing company that can provide them with the best copywriting service. The main goal is always to give the clients the effective digital communications. It should have clear communication between patients and brands. Creative Healthcare Agency To reach the target audience, a medical writing agency needs to be an expert in increasing brand value and make sure the progress of the world of health. Understanding the mindset of the audience is a must. Also knowing what their needs and beliefs are. In a copywriting agency, it is necessary to enable positive changes in health. This is really important to reach the target people and or influence them. What does it take to be the best? The medical writer in Kuala Lumpur is simply the best. All professionals establish them. They have medical doctors that can give specific details on what they need to inform the target audience. This medical creative agency has marketing designers and specialists that are doing the brainstorming. Team of professionals needs to make it sure to deliver beautiful products and has the best experiences that can always understand the needs of their clients that they treat as their patients. In a copywriting agency, it is also important that it can reach a wide range of target audiences. Not just the one who is browsing through the web but also who are always using mobile phones. This will be very effective to reach customers in the most efficient channel as possible. Healthcare Specialists Writes a Good Content The medical creative agency describes the people behind as healthcare specialists. They call themselves specialists because they all came from the background in the life sciences and most of them have postgraduate qualifications in marketing. So they all got the potential to be good writers in the medical field. They must understand science and medical terms plus a good factor because they had a background in marketing, so definitely they can build brands. Medical write in Kuala Lumpur also ensures the best team behind their success. In this internet-connected world, the healthcare business is really a hit. It needs professionals to write content because most of the adult now is researching healthcare information online. Also, most of them take actions based on the information they discover online. So in order not to put the patients at risk, healthcare specialists are always there to provide true and correct content. Creating content really helps more brands to be known. Being creative and building tactics to help the companies in the medical field is good for them so they can be recognized. This will also help them to grow. The medical creative agency became popular not just in Malaysia but all around the world. Having a powerful communication is a big factor. Offering a full-service healthcare service and the consulting agency will be a success with the help of a great medical creative agency.
There is a common question that people always asking, what need to do when choosing the right event space to hold a successful event seminar. No matter you are planning a birthday party, company gala dinner event, conference or even a room for a training seminar, it is always hard to decide on choosing the event venue. Finding the right venue in KL definitely will help you to convey your message to your target audience more effectively. So, if you are trying to find a perfect place for your event, then try jot down this, these tips might give you an insight on how to pick the right event space. Matching your purpose To be able to choose the right event venue for your event, it is to take a deep look into your purpose of organizing this event, what type of event you wish to hold. The purpose of doing is helping you to clarify which is the one kind of event space that fit with your event theme. If you are planning to host a company conference, then must require a meeting room that can isolate a smaller group of people under a roof for discussion and asking questions. Then it would be best if you looked for the available meeting room for rent in KL for your event. So, what if you are planning to make a meeting with your business investors and partner under a more private secured environment, then you should look for the private function venue which is comfortable and private enough for your private space for meeting. Doing the presentation for investors and partners under a clean environment served with private refreshments could be a view as mutual respect for both. Checking the price If you are tight in budget, then this tip is important for you. Try to do research and review of the rental fee of event venue Kuala Lumpur. It is no surprise that the cost of event space for rent KL will be a bit higher than in other areas. So before you book the venue for your event, one thing has to ensure is the price is reasonable for your event, every single cent spending is worth it. To be able to get valuable information, you can go through the specific review sites, which is doing this kind of review. Make an advanced booking Before you really make the reservation of the event venue for your event, there is necessary to make an advanced action of checking the availability of the venue. For instance, if you are planning to hold a huge event which needs a big event space, then make a booking of a function hall may be sound good for your event. The availability of event space could be less, especially during the peak season, it may be hard to find the best event place that you want, so that fix a date and make an advanced action by asking which function hall for rent is available for your event date will help you to secure the space without any incident. Consider the reputation Before making any decision on the event space, the investigative activities of the reputation of the event service is important. Find out how people view on the reputation of the event service. Go through one time the event service background, what they had achieved in the pastime.
When looking for fine dining in Kuala Lumpur, one of the best options that you have is an Italian eating place. There are several options in the market, but you have to make sure that you are getting the best options. Here is a guide on how to choose the best place for your romantic dining in Malaysia. Market Research The first thing is to do market research before you choose the best Italian food place in Malaysia. Ask your family and place whether they have any recommendations for the best Italian restaurant in Kuala Lumpur. Look for people who have been in these restaurants and ask their reviews. You will not fail to get a perfect place as long as you do your research well. It can also be helpful to read online reviews from past customers. You can check the social media page of the restaurant or visit the official website among other sources. Choose an Authentic Restaurant Authenticity is among the top things to consider when choosing the best place for candle light dinner. Look for an Italian restaurant that serves its customers with authentic food. If it does not, then there is no need to visit such a restaurant. Most fast-food chains do not focus on authenticity, but a classic Italian restaurant will serve you with authentic Italian cuisine. You have to make sure that you get the value for your money whenever you are eating out at the best place for dinner in KL. Italian Restaurants Serve During Specific Hours Would you like to get the best taste of Italy food everywhere you go? Don’t get into those fake restaurants that claim to serve Italian food. It is best to wait for the happy hour promotion from authentic Italian restaurants. A true Italian restaurant will serve the best dishes during these hours. Most hotels that claim to serve Italian cuisine 24/7 could just be setting a tourist trap. Don’t Get Lured In Some hotel staff can be so nice, offer a welcome drink, and have beautiful menus. However, it would be best if you told when you need to keep walking. Most of the places that serve good Italian food are normally fully booked with reservation. Therefore, if you want to book event space in KL from these restaurants, you need to book in advance. It is the only way you will be sure that they will accommodate you. Besides, you will come across several Italians in a restaurant that has genuine traditional cuisine. Pictures in Menu If the menu has no pictures, then it is a definite no. If you need a cocktail bar, you need to have a look at the pictures of what takes place in the bar. However, apart from the pictures of delicious-looking meals, the restaurant should really serve good food. You don’t want a restaurant that plays psychology with the human mind to lure customers. The candle light dinner you see in the pictures should be what you find on the ground when you visit the hotel. The Ambiance Matters A lot While the authenticity and quality of the food matters so much, the best Italian restaurant will have great ambience. Remember, going out to eat is just not the food but also the experience. It explains why most people will prefer a rooftop bar KL. If you are not comfortable with the surrounding, you will not enjoy the food even if it is so delicious. Therefore, pay attention to all these factors if you want to get the best Italian dining experience in KL.
Importance of Hand Sanitizer in the Workplace Workers or employees use their hands throughout the day at work. May it be holding a pen to sign or write a report, to shake hands with clients, opening doors and cabinets, and typing using the computers? All the things that are done the whole day are done by using their hands. Hands are the parts of the body that is mostly exposed to germs and harmful bacteria. It is said that because of the lack of proper hygiene and hands that are always dirty causes different kinds of illnesses. Study shows that almost 80 per cent of different kinds of infections are transmitted through hands. That is why most of the companies are implementing proper hygiene at work. Besides handwashing, at all times, and maintaining good hygiene and cleanliness, it is important to buy hand sanitizer Malaysia and put this at all times in the pocket or bag. There are times that water and soap are not available anywhere. So to maintain the cleanliness of the hands, it is proper to secure sanitizer at all times. The alcohol free hand sanitizer Malaysia is popular. Many are using this non-alcohol hand sanitizer because they believe that this is safer than alcohol-based hand sanitizer. Advantages of Non-Alcohol Hand Sanitizer Non-Alcohol Sanitizer is an instant germ killer. Less harmful and poisonous, particularly in young children. Non-alcohol sanitizers are not flammable. Buildings and houses are safe compare with the alcohol-based that are flammable and not safe if they fall into the wrong hands. Less irritation of the skin for users of non-alcohol sanitizer. Will not dry skin unlike using alcohol base, which can cause dryness of the skin. How to Maintain Cleanliness inside the Car Cars are also one of the things that need to sanitize always. Cleanliness should also need to keep and maintain inside the car. In Malaysia, it is widespread, and people are always having their car disinfectant spray. This is one way to disinfect and to stay away from illnesses. Cars are common places that people can catch viruses and bacteria. Nowadays, people are doing all the healthcare precautionary measures before entering their cars. When they came from the office and spend the whole day with their co-workers, it is necessary to disinfect the car first before and after. It is good to disinfect at all times, especially when going home to their respective family. They would not want to be the carrier of any virus and bacteria. Car disinfectants are one of the products that are in demand nowadays. For people who are going to the market or grocery, which has many people around it is their first necessary step to kill the virus and bacteria and to disinfecting car interiors with proper hygiene. When using car disinfectant from Asylea Malaysia, people can prevent the virus from spreading. Some can’t notice or might not believe this but disinfecting the car is one of the important things to do. Cars are prone to all viruses and bacteria and can cause harm and illnesses.
The internet seems to be everywhere, as access to the internet has become human primary needs. From doing the online shopping to socializing, it has come to the point that there is no pride with being just an analogue person in a digital world. Having a fast internet plan is definitely a must-have these days, but how can you choose from the various Time internet business in Malaysia? Actually, there are several ways that you could break down your options by identifying what types of customer you are and tell you the most suitable plan that fit your needs. These are the steps that will aid you in selecting the best broadband for internet. Tips to Select the Best Internet Service 1. What Speed Do You Need? First and foremost, you need to understand what internet speed, to be precise – bandwidth means so you could choose the appropriate level of service from Time Malaysia. Bandwidth is commonly measured in megabits per second, which is the maximum rate on how fast you can download data from the internet into your devices. In a simple term, the more data-intensive that you do and the more devices you have on the same connection, having more bandwidth would be a better choice for a seamless experience. 2. What Are the Options Available in Your Area? Once you had known what internet speed you need, you could do a little research online to get an idea of which providers serve your area. Even if you already have decided on the types of internet connection for your residential, you absolutely need to make sure that your area is having the Time coverage before you subscribed the plan. Currently, you would not be able to get with the fast speed internet in every part of Malaysia, especially if it is in isolated towns in Sarawak or Sabah. However, in most metro areas like Kuala Lumpur or Selangor, you are likely to have the option of the internet Time fibre optic service. 3. How Much Data Do You Use Per Month? On top of that, most of the internet service providers in Malaysia do not have fibre broadband quotas, allowing you to have unlimited uploads and downloads. However, some of the internet services providers in Malaysia typically capped data usage, which is much cheaper. Therefore, you need to figure out how much data allowance that is suitable to your average usage – type of internet user you are, how many users in your household and so on. Remember that any device, whether it is a tablet, smartphone or game console, these smart devices will contribute to the data usage from TIME WIFI. 4. Check Out for Promotions Often, you will able to find some tempting promotion for the home Broadband that entices first-time customers. Of course, you can find good prices with such deals, but you must ensure that you are ready to either pay for the full price or cancel the services at the end of the promotional period that comes with cancellation fees. What Other Things Should You Consider? Typically, people tend to overlook customer service. It is only when you are encounter network complications, modem problems, and payment inconveniences, that is where you start to see the importance of customer service. Besides, you also need to keep in mind regarding other charges such as early cancellation fees, upgrade, and relocation – these can set you back RM 100 at a time!
Businesses in different industries are now into virtual offices. Virtual office enables workers to work remotely in the convenience of their home. But in Malaysia, there is an office for rent. Virtual offices in Malaysia are now in demand, and there are known which are said to be cheap and affordable. Business owners and workers are given a chance to work remotely. They can provide their services through access to the internet. Office space for rent in Kuala Lumpur can provide high-speed internet, which is an essential thing in this business. When searching for a virtual office considers things that can give comfort and can provide all the things to do the business and work easy and comfortable. Look for a place that can provide not just high-speed internet but also provides audio and visual hardware for presentations. Printing services are also important, and of course, it is also good if they can provide necessities such as food, coffee or tea. What Benefits virtual office can give? Working remotely is in demand now. Most people now are choosing to work at the convenience of their homes. But if there are no available resources at home such as laptops and internet connection service office in Kuala Lumpur is the answer. Workers who work remotely can enjoy all kinds of benefits that CEO Suites Malaysia can give. One of the best benefits of settling in a virtual office is no commute time. This also gives flexibility to all the employees, which means less use of vacation leaves. Both employers and employees can save up money. Employees here are usually active. This gives the employer to focus more on his business, and this will help him reach the success of his business. It is the trend now, virtual office Malaysia has been in the industry for years now. Some Disadvantages of Virtual Offices It is not always good; it is not balanced if there is no bad side to choosing a virtual office. There are always disadvantages if the company considered a virtual office as an option. One of these is scheduling conflicts. It is hard sometimes for employers to hire virtual assistants because of the time difference. That is also why serviced office Malaysia is open 24/7, so their clients can rent at any time of the day. Lack of interaction also affects the virtual offices. Of course, this is not the same as an actual office that employers can have direct interaction with their employers and co-workers. Coworking in Kuala Lumpur is trying to provide spaces for those who want to work virtually who are in the same company and the same area. From here, this will give them the time to interact and know each other, not just virtually. Tough communication is also one of the disadvantages. With technology, there are more a lot of ways to communicate. It can be email, social media, teleconference or texting, and calling. Technology probably is making everything easier, but of course, sometimes it can be hard to communicate with the employer, employee, colleagues, and clients. It is also still good to look for a meeting room Kuala Lumpur where everybody can sit down and talk. It is still an advantage to sit down and talk face to face because it lessens the possibility of miscommunication.
Do you actually wonder how recycling really works? Every day you are separating plastic from tin and paper into different recycle garbage bins. Where does it go really? How Does the Recycling Process Work? Thanks to the advancement of technology and advanced equipment, the process of recyclables have become more streamlined and efficient. First, of off, every city and community recyclables are collected following different rules and regulations, such as employing Ecoment recycle bin supplier in Malaysia. Let’s understand what the things that cannot be recycled are. Greasy paper items such as pizza box, as removing the grease on it takes a hefty toll. Single-use paper cups couldn’t be recycled as well. All the time you have been thinking paper cups are literally made of papers, but it isn’t true. In fact, more than 80% of papers cups being used daily are lined with a film of polyethene. Plastic bags and Q up stand supplier Malaysia as well. It couldn’t be recycled, thus, don’t put it into your recycle bin unless your country or city has different containers just for disposing of plastic. Next, the recyclables are transported to a recycling centre. At the centre, multiple bins of collected waste will be thrown into a machine to perform sorting. At last, recyclables are considered as a commodity, including air freshener supplier. Recycling centres will break down the goods into raw materials and make them into new products again. Which bring consumers into purchasing them again. How Can Recycling Bring Benefits to Everyone? Recycling allows less demand created for raw materials in creating rubber hump supplier. As the world keeps innovating new products and technology to provide a better lifestyle and convenience. It also increases the use of more raw materials such as woods in forests. The concept of recycling has brought less damage to the community. Living in the natural habitat and also land. In search of new raw material such as using reusable safety equipment supplier. Did u know, by using a water bottle instead of purchasing plastic water bottles can save the environment significantly? As many energies are required to produce plastics. For instance, producing new aluminium from recycled one utilize less 95% energy than making it from scratch. It goes to the same such as tong kitar semula supplier contributing to the environment. As for paper, pulped recycle paper use 40% less energy than virgin wood fibre. Not to forget recycling a glass bottle could provide power for light bulbs for four hours nonstop, including tissue paper machine dispenser in Malaysia. Governments, producers, companies and citizens should share the responsibility of waste management. For instance, Pvc coil mat supplier Malaysia. As a person can only make limited changes to their daily habits that cause the creation of wastage. You should also opt for reusable coffee cups instead of wasting a paper cup every day. Or choosing products that have less packaging as all of these decisions made every day can contribute to the environment significantly. Or it can be hand soap dispenser supplier Malaysia like Akasia CP Malaysia. How Can You Help to Save The Environment? As a consumer, the ultimate goal is to aim to throw as few as possible. Practising a zero-waste lifestyle can significantly help you to achieve the goal. Bring your own containers for food during takeaways, be mindful on the types of plastic you are purchasing. When recycling, do your best to clean up the items that are going to be recycled as much as possible.
Insurance packages Insurance has become part of a human’s life because insurance is able to help transfer the cost of potential loss for a fee which is known as premium. For instance, when a person’s vehicle meets a collision with the other vehicle he or she might not afford the total loss of the repairs, health care, or legal expenses. Home insurance The reason for having home insurance is because to ensure that the home is protected if the home is being damaged or destroyed by fire, lightning, domestic explosion, or another risk. Some homeowner insurance has different requirements which depend on where the home is located. For instance, mountain or hill location is a common area to get a flood, flood insurance is required. The benefits of house insurance are that it will cover the area that you might not expect such as dwelling coverage, personal property coverage, additional living expenses coverage and etc. There are many home content insurance Malaysia to choose, roughly more than 10 insurance companies. Travel insurance While travelling overseas many individuals buy travel insurance afraid of an unexpected event and also travel insurance is affordable compared to other insurance. Family travel insurance covers in case of an accidental injury, sickness, or death when travelling with a family member. The advantages of overseas travel insurance are able to receive high medical coverage where it pays for medical expenses coverage up to RM 300 000, fast claimable and etc. The benefits of having domestic travel insurance are that it is a 24/7 emergency assistance, emergency cash and etc. However, these travel insurance coverage covers many other things such as loss or theft baggage, personal accidents, trip cancellation and etc. Medical insurance Medical insurance is widely used by everyone especially when unexpected health care needs where the insurance is able to protect an individual from the expensive medical cost. The family medical insurance covers stuff such as dental, life, health, dismemberment, accidental death, and many more. When a person purchases a medical plan from the top financial planning service in Malaysia it entitles from using certain privileges based on the medical plan with the use of medical card insurance. Medical indemnity insurance is an agreement in which one party agrees to cover with compensation potential loss, damages, or injury. Medical card for senior citizen Malaysia enjoys a worry-free retirement that special insurance for senior citizens. For instance, senior citizens are able to receive extra death benefits of compensation. 36 critical illness There is about 36 critical illness that will be covered by insurance. These are the few common critical illnesses such as heart attack, stroke, cancer, kidney failure, coma and etc. A critical insurance illness plan is financial support when one may be diagnosed with a critical illness. Therefore, it also depends on the severity level of ailment. For instance, the early stage of cancer receives 50% sum assured while the later stage receives 100% sum assured. Life insurance Life insurance is when a person signs a contract with an insurance company to exchange for premium payments. Therefore, the insurance company will provide a lump-sum of payments when a person meets a death. Life insurance is able to provide financial protection for a period of 10 or 20 years. Online life insurance is where an individual is able to purchase insurance online. The benefits are that one may receive an automatic yearly renewal, the flexible sum insured, and most importantly is easy and simple to register online. However, there is no need to worry about which is a trustable insurance company in Malaysia. There is about 10 top insurance company in Malaysia that is very reputable, established, and trustworthy. Investments in insurance An individual should consider well before making an investment insurance plan as many insurance company have many to offer. For instance, a single premium plan provides a lump-sum of money while regular premium plan payments are either through monthly, quarterly, semi-annually, or annually. Understanding the risk of investment-linked plans may fluctuate with the unit price. That being said, the unit price fall, value investment falls and unit price rise, value investment rises. Motor insurance Motor insurance is also known as car insurance. This motor insurance from Allianz Malaysia is a type of insurance for vehicles on the road to provide financial protection from any physical damages or injury when a person meets from a traffic collision. Car insurance covers losses or damages to the car by the cause of fire or theft. However, motorcycle insurance has some similarities like cars but the downside is a loss or damages to the motorcycle caused by natural disasters that are normally not covered. Liability in insurance Public liability is where a person owns a small business in which public liability insurance may help to reduce the risk in the course of doing the business. For instance, when the client steps into the office fall from sitting the office chair after it broke or signage falls on them hence public liability insurance may help to protect from these type of risk. Product liability insurance is when a sum is insured when a third party uses the company’s product which may suffer from damages such as bodily injury when consuming or the usage of a defective product from the company. Professional liability is also known as professional indemnity this is where it protects against the person’s legal liability against paying for his or her own professional negligence in the course of the business. These professionals are usually, lawyers, doctors, engineers and etc.