One long-running study has associated a common diet with faster development of chronic diseases like dementia and heart disease. The research, published in Nature Aging, followed more than 2,400 older adults over a 15-year period. Their average age was 71.5 at the start of the study period. The researchers looked at the effect that several diets have on the development of chronic diseases…
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Most seniors eventually will need some type of extra help with day-to-day life. About 70% of people who are 65 today will need a form of long-term care services and support later in life, according to the U.S. Department of Health and Human Services. Finding the right care is the key to living out your last years in comfort and peace. For millions of seniors, that means choosing the best…
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The Hidden Revenue Leaks Draining Service Companies in Malaysia
Running a service-based company in Malaysia is tough — competition is high, clients expect fast turnaround, and margins are often tight. But the real danger isn’t always outside. It’s inside. Many companies lose thousands every month because of silent, unnoticed inefficiencies. These are the revenue leaks in service companies that quietly drain profits without warning.
How Small Delays Become Big Losses
One of the most common leaks is time loss. Not the dramatic kind — but micro-delays. A staff member taking an extra 10 minutes to submit a timesheet. A project update delayed by one day. A task left “pending” because approval didn’t come in time.
These moments seem harmless, but across 10, 20, or 50 staff, they add up to hundreds of hours every month. Over a year, that can translate into RM150k to RM250k in productivity loss, even before overtime or rework is included.
A single wrong costing can wipe out the profit from several other successful projects. Worse, business owners often only realise the mistake after a project is completed — when it’s too late to fix it.
Team Misalignment Creates Operational Chaos
When teams don’t share the same priorities, deadlines slip. Work gets duplicated. Clients become frustrated. Productivity drops.
Misalignment usually happens silently:
Teams don’t know the exact project status Responsibilities aren’t clearly assigned Approvals get bottlenecked
Communication depends on WhatsApp or verbal updates
These problems don’t show up immediately, but they slowly erode trust, performance, and profitability.
How Service Companies Can Stop These Leaks
The first step is visibility. Companies need accurate tracking of time, cost, and project flow. Modern systems with automation and AI can immediately highlight waste, bottlenecks, or risks before they become losses.
Tools like XPERT Technologies’ solutions help companies gain control over operations with real-time data, automated workflows, and clear team alignment.
Revenue leaks don’t have to be your silent killer — once you can see them, you can stop them.
American families are facing a convergence of economic pressures that are redefining what it means to live comfortably. After years of elevated inflation, the cost of essentials — from housing and groceries to transportation and health care — remains persistently high. At the same time, artificial intelligence is rapidly being adopted in the workplace, introducing more uncertainty in…
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For many years, Southwest Airlines has been a favorite among travelers. Part of that appeal is grounded in some of the special perks the carrier offers. However, fans of the airline are likely disappointed by Southwest’s recent elimination of some of these popular goodies. On the bright side, Southwest also has announced new upgrades that might help soothe concerns among the airline’s loyalists.
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Financial scams in Malaysia are becoming more sophisticated, and they no longer target only the elderly or the uneducated. Today, scammers use polished websites, official-looking documents, deepfake voices, and “too good to be true” financial promises to prey on normal working adults — people juggling bills, loans, and rising cost of living.
Behind every scam victim is the same emotional pattern:
Stress → Urgency → Hope → Regret.
And scammers know how to exploit all four.
1. Loan Scams: When Desperation Meets Danger
Imagine this: you urgently need RM3,000 to cover a medical bill. You find an ad saying, “Loan approved in 5 minutes — no documents needed.”
You message them. They’re friendly. They promise fast approval.
But before the money arrives, they ask for a “processing fee.”
Once you transfer it… they vanish.
Real financial institutions in Malaysia never ask for upfront fees.
If someone does, that’s your sign to walk away.
2. MLM Money Games: When Trust Becomes a Trap
Many Malaysians join MLM schemes because a friend, colleague, or relative recommends it.
These schemes promise passive income, luxury lifestyle, or “business ownership.”
But here’s the truth:
If the money comes mainly from recruiting people, not selling real products, it’s a modern pyramid scheme. And when it collapses, those at the bottom — usually normal families — lose everything.
3. Crypto Fraud: High Return, Zero Reality
With rising interest in digital assets, scammers now use fake crypto dashboards showing “profits” growing quickly.
Everything looks real… until you try to withdraw. Suddenly, the site crashes, login fails, or support stops replying.
Crypto is volatile, not guaranteed.
Anyone who promises “fixed returns” is lying.
4. BNPL Traps: The Debt That Hides in Small Payments
Buy Now Pay Later feels harmless — RM20 here, RM50 there.
But stack 5–6 BNPL plans together, and suddenly you’re stuck with hundreds every month… plus late fees.
BNPL isn’t a scam, but misusing it is a silent financial danger.
How to Protect Yourself and Your Family
If it sounds too easy, it’s a trap.
Never pay upfront for loans.
Verify licences on Bank Negara Malaysia’s website.
Don’t invest in anything you don’t understand.
Track your BNPL obligations like real debt.
Your money is your responsibility — and your best protection is knowledge.
There’s no need to wait in long lines at crowded stores to snag the perfect holiday gifts at the best prices. All kinds of great deals can be found online. However, online shopping comes with its own perils when you’re trying to stick to a budget. Buying virtually makes it easy to buy a cartload of stuff in a few simple clicks — without really paying attention to the real-life dollars you’re…
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When an interviewer asks, “How would you describe yourself?,” they’re throwing you a softball. Learn how to describe yourself in an interview so you don’t strike out from the start. Read on to learn how to describe yourself in an interview and actually impress. You’ll find out the intent behind interviewers asking you to describe yourself and see examples of a great response.
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Yep. It is time to make a list and check it twice. But this checklist doesn’t have anything to do with gift giving and spending money. This is your year-end financial planning list: things you should do at year’s end to set yourself up for a secure and happy future.
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