Tuesday, December 31, 2024

22 New Year’s Resolutions That Will Save You Money in 2025

Excited woman holding cash and her phone
Dean Drobot / Shutterstock.com

This year, resolve to make changes that will put more change in your own pockets. Look at your financial goals for the new year, and make this the year you save money with your New Year’s resolutions. Don’t know where to start? Look for ways to break down larger goals into smaller manageable ones, and give yourself several weeks to turn your new plan into a habit. If your money-saving…



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Eating This Type of Food Is Now Tied to Premature Aging

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Ultra-processed foods — however delicious we may find them — have already been linked to a myriad of health problems, from stroke to cancer to dementia. Here’s a new one. Eating a lot of highly processed foods is now associated with a “significant acceleration” of biological aging — a measure of age based on the condition of your body’s cells rather than the length of time you’ve been alive.



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Monday, December 30, 2024

Maybank aspires to empower a people centric Asean in 2025 and beyond

THE continuous strengthening of the Asean economy in the last decade showcases the true resilience of the region, coupled with promising economic prospects owing to its strategic location, diverse economies, and commitment to regional integration.

With the Asean-6 gross domestic product growth strengthening to 4.8% in 2024 from 4% in 2023, and to remain stable at 4.7% in 2025, the region is in a strong position for accelerated growth and at the same time cushioning risks from geopolitical uncertainties.

Malaysia’s Asean chairmanship comes at an opportune time. It underpins the theme of “Inclusivity and Sustainability”, signalling the need for cohesive socio-economic development and planetary wellness. With Malayan Banking Bhd (Maybank) already well aligned to the theme, our joint aspiration is to empower a people centric Asean, not just for 2025, but going beyond it.

This is our differentiating factor, centred on our purpose, which is to be a values-driven platform powered by a bionic workforce that humanises financial services.

To deliver on this aspiration, we bring our strengths together via four main pillars – Values-Based Finance, Inclusive Economy for MSMEs, Sustainability, and Social Impact. Maybank’s involvement will be centred on supporting regional financial stability and facilitating cross-border trade and investment within the Asean Economic Community as well as accelerating community empowerment initiatives across the region.

We have the opportunity to strengthen our commitment to a diverse set of beneficiary segments including students, youth, women, persons with disabilities, marginalised communities via our Beyond Banking initiatives and corporates, SMEs and MSMEs and individuals via our banking initiatives.

Our commitment will include supporting key Asean xhairmanship initiatives, including organising thought leadership forums surrounding Asean-led meetings and events, partnerships with ministries and Asean, and introducing new products and solutions that will further accommodate the operating environment.

We have the right expertise to see this through. Via our deep understanding of the region, holistic approach and smart multilevel collaborations, we remain optimistic of the prospects. The time is now, to create meaningful outcomes for all our stakeholders, and we have already made several headways.

In connecting Asean to the world, we have ramped up expansion of our Values-Based Finance offerings and will continue to drive innovative sustainable solutions across key markets. This will be underlined by the purpose of being a values based platform, incorporating the features of sustainability and ethical principles into our solutions and offerings to customers via myimpact. We have introduced multiple solutions under myimpact, and the recent launch of HERpower aims to increase our SME portfolio led by women entrepreneurs from 20% to 25% by 2026. This initiative will support over 43 million women-led SMEs in the region namely in Malaysia, Singapore, Indonesia, the Philippines and Cambodia.

We also remain steadfast in strengthening our global Islamic banking position. This is prominent through our efforts to attain Islamic wealth management leadership position in Malaysia, Singapore and Indonesia with our assets under management growing by 35% year-on-year to RM85.3 billion. This and among other factors have culminated in maintaining our top five global leadership position. Additionally, the introduction of Salaam Market as a one-stop digital platform that allows SMEs to source halal-certified products at competitive prices will further boost businesses’ competitiveness in the halal economy.

To further spur sustainable regional growth, we are committed to drive an inclusive economy, especially by empowering MSMEs. With this segment being the backbone of the economy for many countries in Asean, Maybank will continue to support MSMEs by scaling up our offering across key markets by providing expanded funding access and integrating solutions for ease of operations. Recently, Maybank announced a strategic investment in Funding Societies | Modalku, the largest unified digital finance platform for MSMEs in Southeast Asia, in efforts to promote inclusivity and bridge funding gaps within the communities we serve.

On the digital front, we continue to build on our regional digital banking ecosystem which would truly create a borderless environment for businesses and individuals transacting. Continued leadership in this segment saw strong growth in digital payments with more than 9.9 million active digital customers in Malaysia, Singapore, Indonesia, the Philippines and Cambodia.

In supporting Asean’s role in managing key regional affairs, particularly in sub-regions such as the Johor-Singapore Special Economic Zone, Maybank is committed to be the preferred bank for Malaysia-Singapore transactions as we actively engage and connect businesses and governments for mutual benefit of both nations. Our support includes joint efforts to attract investments from Singapore but also as a gateway to expand in Asean. This will also include enabling key industries to thrive such as data centres, semiconductors, wealth management, logistics and manufacturing.

Through our global banking segment, we have placed an added focus to drive cross border trade and investment by enhancing regional cash management services for our customers via seamless digital onboarding. We also remain committed to serving the region by facilitating a stimulus investment environment as we continue to top the league tables by ranking number one in the Asean equity capital market and defended leadership across products in Malaysia.

With our strong footprint across the region, we are capable to further connect and broaden our clients’ access to the global economy. In supporting this agenda, our Invest Asean series will take centre stage with the objective of bringing together the region’s major investors, high net worth individuals, family offices and corporates in one centralised platform for engaging and revealing conversations.

With Sustainability being a critical factor on the future of doing business, Maybank will be playing an even more active role in transitioning the region. We surpassed RM100 billion in sustainable finance in September 2024, and published a white paper on decarbonisation plans covering the power, palm oil, steel and aluminium sectors, outlining our interim emissions targets and decarbonisation strategies.

As we strive to strengthen Asean as an attractive economic destination, we are cognisant of the need to drive positive social impact across the region. Through Maybank’s social impact arm, Maybank Foundation, which is the only financial institution in the region to have an Asean accreditation, and our extended business sectors, we remain steadfast to uplifting the communities we serve via our Beyond Banking and other banking initiatives.

To date, Maybank has uplifted 2.13 million lives across Asean with a total social investment of RM354.73 million. This includes serving our stakeholders via three main pillars of empowering education, community empowerment and environmental diversity under Beyond Banking initiatives. This includes contribution via Islamic social financing such as zakat, waqf and Islamic financing.

Via our banking initiatives, to date, Maybank has disbursed RM43.54 billion in financing to 836,537 individuals and 122,766 SMEs. We have also provided affordable Etiqa insurance coverage to close to 745,000 customers who comes from the B40 and the underprivileged segment.

In ensuring sustainable value creation for the region, Maybank has implemented measures to enhance its workforce’s capability. Through Maybank’s diverse Asean-centric workforce with 99% of it are from Asean countries, we have a future-ready workforce and we are in a strong position to further contribute to the region’s success. 25% of our employees are now in next-gen roles, equipped with data, digital and IT skills, and we will continue to upskill them via comprehensive talent development programmes.

The Asean chairmanship by Malaysia will strengthen the region’s position as a competitive economic block, further connecting itself to the global economies. Maybank will play its own role to support this chairmanship, leveraging new economy opportunities favourable to the countries in Southeast Asia while solidifying the region’s overall socio-economic growth prospects.

This commentary is contributed by Maybank president & group CEO Datuk Khairussaleh Ramli.



Source: The Sun Daily

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Tax Matters – Expect significant changes to stamp duty from 2025

TAXPAYERS usually do not pay attention to stamp duty unless there is a transfer of property that requires the title to be transferred, or transactions undertaken between third parties which may have to be litigated in the courts. Unless the document is stamped, it will not be accepted in the courts.

At the moment, there is no compulsion for taxpayers to stamp their documents. Generally, intercompany agreements between related parties are not stamped because they do not anticipate any disputes that will go to court. However, this will stop from 2026 with proposed amendments in the Finance Bill 2024 whereby the Inland Revenue Board (IRB) has the right to review all agreements and collect stamp duty.

How stamp duty is applied

This is a unique tax that is applied on agreements that fall within the definition of an instrument, and an instrument is defined to include any document which is handwritten, typewritten, printed, or documents electronically recorded or transmitted in an electronically readable form. This will include agreements, letters, memorandums, emails, etc.

The stamp duty liability will only arise if the instrument is listed in the First Schedule of the Stamp Act 1949 (Stamp Act) and the rate of tax is outlined for every item in the schedule.

The common mistake made by taxpayers is applying the wrong duty because of the incorrect classification of the instrument. Many taxpayers do not know how to interpret this legislation because it was enacted during the pre-independence period written in a legalistic manner.

Significant changes

The most significant change is the introduction of self-assessment in stages from Jan 1 2026 for instruments or agreements related to rental or lease, general stamping and securities; Phase 2 from 2027 will be applied on instruments for transfer of property ownership; Phase 3 from January 2028 will be for all other instruments.

Under the self-assessment regime, the burden of determining the correct duty will be entirely on the taxpayer. If it is incorrect, there will be additional duties and penalties that can range up to 100% of the additional duty if there is no prosecution. However, if the matter goes to court, the fines can range from RM1,000 to RM10,000, and may have to pay a special penalty equivalent to the underpaid duty.

It is important to remind taxpayers that all instruments under the Stamp Act will have to be stamped and this will include intercompany transactions such as provision of services and financing, sale of business, sale of goods, etc. unless it is specifically exempted by the Act.

From 2026, the IRB has the power to audit, and it can go back for five years after the date the duty is paid or would have been paid.

It is extremely important for taxpayers to avoid this problem and review all their documents and ensure that they get it appropriately stamped now to avoid the above penalties. However, many of these documents will also be subject to late stamping penalty. The late stamping penalty rates are increased from Jan 1 2025 to a maximum of 10% if is stamped within three months after the time for stamping and 20% thereafter. All documents must be stamped within 30 days from the date of execution.

Currently, under the official assessment system, all documents must be sent for adjudication, and the duty is only payable thereafter. Upon the introduction of the self-assessment system, the adjudication will only be done after the taxpayer has filed a self-assessed return which will be deemed to be an assessment on the day the return is filed. In the event the adjudication gives rise to additional duty, there will be additional assessments issued.

The changes to the Stamp Act in 2025 and 2026 are very significant because the imposition of stamp duty is now mandatory.

This article is contributed by Thannees Tax Consulting Services Sdn Bhd managing director SM Thanneermalai (www.thannees.com).



Source: The Sun Daily

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Malaysia’s role as Asean Chair positions country as key tourist destination: KL Metro Group MD

KUALA LUMPUR: Malaysia’s role as the Asean Chair in 2025 positions the nation as a critical starting point within the regional bloc in promoting tourism.

KL Metro Group managing director Datuk Low Tak Fatt said the government has intensified efforts to diversify its tourism strategy, targeting a broader range of markets beyond traditional focus areas such as China and the Asia-Pacific.

He said Malaysia will stand out as a key destination in Asean, drawing interest from major markets such as China, India, the United States and Europe.

“The government’s recent initiatives have expanded to Central Asia, including Kazakhstan, Uzbekistan, Russia, India and the Gulf region, reflecting a strategic shift to attract a wider demographic of international tourists. Within Asean, Malaysia has also seen a rise in visitors from neighbouring countries such as Indonesia, Thailand, and Vietnam, driven by improving regional economies.

“These trends indicate sustained growth in tourist arrivals, not only in 2025 but also as Malaysia gears up for Visit Malaysia Year 2026. The government is expected to allocate significant resources to ensure the success of this campaign, solidifying the country’s position as a premier destination in the region,“ Low told SunBiz.

Low said the company’s confidence in the current government and Malaysia’s economy has driven its decision to launch two significant projects.

“Following the successful introduction of Lexus Hibiscus 2 in Port Dickson recently, we are set to launch Royal Lexis in Kuala Lumpur next year, a high-end commercial development similar to the existing Imperial Lexis, further expanding our footprint in tourism-related projects.

“Our efforts have attracted foreign buyers from 58 countries, underscoring the success of our international marketing strategy. Through strong partnerships with real estate agents across Hong Kong, Singapore, China, Taiwan, Macau, and the Middle East, we continue to build a global presence and expand Malaysia’s appeal as a prime investment destination, he said.

Foreign buyers make up almost 60% while local buyers make about 40%, he added.

Low iterated that the supply of hotels or resorts with private pools is limited, giving properties such as KL Metro Group’s Lexis Hibiscus and Lexis Hibiscus 2 projects a distinct advantage.

“A luxury product, such as a room with a private pool, naturally attracts more guests, setting us apart from other resorts. The private pool is undoubtedly a key selling point, and the bold and ambitious nature of the Lexis Hibiscus projects complements this. The development of Lexis Hibiscus and the upcoming Lexis Hibiscus 2 is a daring endeavour built above the sea on massive platforms.

“The water homes are unique, with very few resorts in Malaysia or the broader region offering such accommodations. Only the Maldives and Malaysia have water homes, as other Asian countries face natural challenges like earthquakes, volcanoes, and typhoons, making water home developments unsuitable.

“With the limited supply of water homes and strong demand from tourists, these distinctive features make our resorts an attractive destination, drawing visitors from around the world,“ he said.

Lexis Hibiscus has been generating solid revenue over the years from sustained foreign tourist arrivals and domestic travellers, Low said.

For context, he explained that with 1,710 rooms in Lexis Hibiscus and a 60% occupancy rate, the resort will have about 1,026 rooms occupied each night. “Assuming an average of three tourists per room, this results in about 3,078 tourists per night. Over a year, this totals around 1.1 million tourist arrivals. If each tourist spends RM800, the annual revenue generated would be approximately RM876 million,.”

Low said Port Dickson offers a significant advantage, particularly due to its proximity to Kuala Lumpur and Malacca and its appeal to tourists.

“Over the past 20 years, we have developed strong relationships with tour agents from across the Asia Pacific region, further enhancing our strategic position,“ he added.



Source: The Sun Daily

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Sunday, December 29, 2024

UVCell Solar and Iozela Data Center collaborate to develop major projects in Penang and Pahang

PETALING JAYA: UVCell Solar and Iozela Data Center have entered into a strategic collaboration to develop two major projects, with Penang serving as the location for a highly advanced data centre complex, and Pahang becoming the site for a comprehensive renewable energy hub.

Together, these projects will contribute to Malaysia’s environmental sustainability goals while boosting the local economy and fostering international collaboration.

The Penang data centre will be developed with a strong focus on sustainability, integrating full facilities, including a management office, staff accommodation, and a green plantation farm designed to enhance the overall environmental, socialm and governance (ESG) impact of the project. The site will integrate nature and technology, creating an eco-conscious ecosystem.

The data centre also aims to advance Malaysia’s digital infrastructure while minimising its carbon footprint, serve as a model for ESG-compliant technology, and support the nation’s low-carbon ambitions.

In Pahang, UVCell Solar will develop a renewable energy hub featuring solar and biomass farms capable of generating 300-500MW of clean power to supply the Penang data centre and surrounding infrastructure, cutting reliance on traditional energy and reducing carbon emissions.

UVCell Solar will also establish a management office in Pahang to oversee the development and operations of renewable energy facilities.

The combination of solar and biomass technologies will help Malaysia further diversify its energy sources and enhance its energy security while contributing to the country’s zero-carbon emissions goals.

The collaboration will involve top-tier vendors from around the world, including Japan, China, the United States and Singapore, to ensure the highest standards of innovation and expertise. These international partners will bring their advanced technological expertise in renewable energy, data infrastructure, and sustainability.

While international collaboration is key, the majority of the workforce for both projects will be locally sourced from Malaysia, with a focus on training and employing skilled professionals from the surrounding communities in Penang and Pahang. This approach will not only create significant job opportunities but also help build long-term capacity in Malaysia’s renewable energy and digital sectors.

The projects in Penang and Pahang will contribute significantly to these efforts, showcasing how green technologies and digital infrastructure can coexist to create a more sustainable future.

Additionally, the partnership will help bring foreign investors to Malaysia, strengthening the country’s position as a hub for green technology innovation in Southeast Asia.

Both companies are committed to ensuring the success of this project, which will not only provide environmental benefits but also drive economic growth, create jobs, and enhance Malaysia’s reputation as a global investment destination for

green technologies.



Source: The Sun Daily

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FMM opposes increase in base electricity tariff, says indutries already face challenges

PETALING JAYA: The Federation of Malaysian Manufacturers (FMM) strongly opposes the increase in the base electricity tariff for 2025-2027, its president, Tan Sri Soh Thian Lai, said.

The 14.5% increase will have a big impact on industries especially when the manufacturing sector is facing its toughest time with escalating costs and uncertainties.

“Not only will there be an impending increase in operational costs expected in 2025, such as the higher minimum wage and other compliance costs imposed by evolving regulatory requirements, the sector is also bracing for global uncertainties such as geopolitical tensions, persistent supply chain vulnerabilities and shifting trade policies including potential new or higher tariffs enforced by the US administration,“ Soh said in a statement.

Last week, Tenaga Nasional Bhd announced a new tariff schedule with a base tariff of 45.62 sen per kilowatt-hour for Peninsular Malaysia under Regulatory Period 4 (RP4), which will be implemented starting July 1, 2025. The base tariff under RP3 was set at 39.95 sen/kWh between 2022 and 2024.

“The current electricity tariff schedule, which has been in place since 2014, will continue to be in effect, with no change in the electricity tariff rate and tariff structure until June 30, 2025,” TNB said in a filing with Bursa Malaysia on Thursday, Bernama reported.

The following day, Prime Minister Datuk Seri Anwar Ibrahim said the government would not allow an increase in electricity tariffs that could adversely affect the majority of Malaysians. He said that although tariffs need to rise, this should not affect a significant portion of the population.

“We do not allow electricity tariff increases that affect the general public. Any increase, as before, will only involve the upper-income group ... what I refer to as the ultra-rich or profit-making industries,“ Anwar was quoted saying.

Soh said that it is imperative to note that in the last few years, the industrial sector has seen several significant

operational cost increases.

These include the natural gas price increase to above RM40/mmBtu since the third quarter of 2022, the increase in water tariff for the non-domestic sector from August 2022 to January 2023, with tariff review every 3 years, including electricity charge, which is reviewed annually.

Further, since January 2023, there have been double-digit Imbalance Cost Pass-Through surcharges for medium and high-voltage users, which have impacted domestic industries.

Soh said local industries are seeing the continued impact of amendments to the Employment Act, which came into effect on Jan 1, 2023, that expands the scope to overtime entitlement for those earning up to RM4,000, increase in maternity leave to 98 days, reduction in weekly working hours to 45 hours from 48 hours previously, among others.

And in 2024, Soh said, domestic businesses faced significant cost increases, including a 300%-400% rise in Department of Occupational Safety and Health inspection fees (e.g., RM3,435 to RM14,750), an 8%-12% hike in logistics costs due to a 6% service tax increase, additional expenses for e-invoicing IT systems, and higher penalties under the Environmental Quality Act and Occupational Safety and Health Act.

Further cost pressures are anticipated in 2025, with the minimum wage rising to RM1,700 on Feb 1, adding RM10.8 billion to annual payrolls. The implementation of a multitier levy system and mandatory Employee Provident Fund contributions for non-citizen employees are estimated to increase payroll costs by RM6.6 billion annually.

“With the overall significant cost increases highlighted above, FMM reiterates its call for the government to keep the industrial tariff rates unchanged so that Malaysia continues to be competitive as well as attractive to foreign investors.

“The government also needs to hold an immediate dialogue with stakeholders on this matter,“ Soh said.



Source: The Sun Daily

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Skip the Gym: 5 Affordable Fitness Alternatives That Work

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Gym memberships can be pricey, and not everyone has the time or money to commit to a traditional workout space. Luckily, there are plenty of affordable alternatives that allow you to stay fit and healthy from the comfort of your home or nearby spaces. From tech-driven solutions to simple lifestyle changes, these options might just replace your need for a gym altogether.



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Saturday, December 28, 2024

11 Deep Discounts Available on Amazon This Friday

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Friday, December 27, 2024

From Deductions to Credits: 10 Potential Trump Tax Changes for 2025

Donald Trump
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As President-Elect Trump prepares to take office, tax reform is at the forefront of his agenda. With potential changes ranging from deductions to credits, Americans may see significant shifts in how they file taxes and manage their finances. Here’s a breakdown of 10 potential changes that could shape the tax landscape in 2025 and beyond.



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Thursday, December 26, 2024

Ringgit opens slightly higher vs greenback

KUALA LUMPUR: The ringgit opened slightly higher against the US dollar on Thursday, supported by the yuan’s stabilisation after the People’s Bank of China decided against cutting rates earlier this week, a move seen as a positive signal.

At 8 am, the ringgit was trading at 4.4835/4900 against the greenback, up from 4.4845/4900 at Tuesday’s close.

SPI Asset Management managing partner Stephen Innes noted that China’s plan to issue three trillion yuan in special treasury bonds next year to boost the economy is also viewed as positive news for the ringgit.

However, he added that despite these favourable developments, the spotlight remains on the incoming US administration’s trade policy, which could continue to support the US dollar as Inauguration Day approaches.

“The shifting trade dynamics and upcoming policy announcements will be key factors influencing the ringgit’s performance in the near future,” he told Bernama.

Meanwhile, UOB Kay Hian Wealth Advisors investment research head Mohd Sedek Jantan said the local currency opened higher against the greenback following the rise with stronger US economic growth data and expectations that global economic activity will drive oil demand upwards.

He noted that both Brent and WTI oil prices closed higher on Tuesday.

“Additionally, the Asian Dollar Index today also shows an uptrend, generally indicating that the value basket of Asian currencies is strengthening against a US dollar,” he said.

The ringgit was traded mostly lower against several major currencies.

It appreciated against the Japanese yen to 2.8534/8579 from Tuesday’s close of 2.8547/8586 but fell versus the British pound to 5.6237/6318 from 5.6209/6278 and was weaker vis-a-vis the euro to 4.6624/6692 from 4.6603/6660.

The local note showed mixed performance compared to ASEAN currencies.

It weakened against the Singapore dollar, trading at 3.2989/3041 compared with 3.2979/3024 previously and was flat against the Philippine peso at 7.66/7.68.

It was almost flat versus the Indonesian rupiah at 276.8/277.4 from 276.9/277.4 but rose vis-a-vis the Thai baht to 13.1066/1363 from 13.1283/1517.



Source: The Sun Daily

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National Parks to Offer 6 Days of Free Admission in 2025

Indiana Dunes National Park
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As the new year nears, an old tradition — fee-free days at America’s national parks — continues. Each year, the National Park Service waives entrance fees on special days. For 2025, there will again be six free-admission days. In 2025, the free days will be: The national park system comprises more than 400 places. They include national parks as well as other types of sites — national…



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How the Rich Build Wealth That Lasts: 8 Tactics

Super wealthy man in a sports car
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Building wealth isn’t just about earning more – it’s about creating a legacy that stands the test of time. The ultra-wealthy have mastered strategies that allow their fortunes to grow even in uncertain economic climates. Only 12% of Americans “believe they are wealthy,” according to a survey from Edelman Financial Engines Financial. Even 1 in 3 millionaires responded the same when quizzed by the…



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Declutter Your Wallet: 8 Things to Toss Today

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A clutter-free wallet is not only more organized but also safer and more efficient. By removing unnecessary items, you can simplify your daily life and protect yourself from potential risks. Here are eight items to toss from your wallet today.



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Wednesday, December 25, 2024

21 Purchases You Should Never Skimp On

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Who doesn’t love a bargain? Scheming to get the best price — whether by utilizing coupons, sales, frequent-shopper points or other tips — is a rewarding and fun pastime. But sometimes, purchasing the absolute cheapest item in a certain category isn’t the way to go. That old saying, “You get what you pay for,” rings true time and again. Here’s a look at some items that you might want to splurge…



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Retirees, Brace Yourself for Another Meager Social Security COLA in 2026

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The Social Security increase for 2025 has yet to take effect — retirees can expect to start seeing the extra money in January. But it’s technically not too soon to start looking ahead to the bump for 2026. The news isn’t great, though: The Senior Citizens League projects that the Social Security cost-of-living adjustment (COLA) for 2026 will be exactly the same as it will be for 2025: 2.5%



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10 Simple Strategies to Slash Your Retirement Expenses

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You’ve been frugal all your life, but now it’s your retirement years, and you’re ready to indulge a little, right? Well, that depends. Our retirement savings typically have to last us many years — and we don’t want to outlive our money. It can be smart to be somewhat frugal in retirement—or at least to cut expenses if you appear to be on track to outlive your money. Fortunately…



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Tuesday, December 24, 2024

3 Last-Minute Gifts You Can Buy as Late as Christmas Day

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Advertising Disclosure: When you buy something by clicking links within this article, we may earn a small commission, but it never affects the products or services we recommend. ‘Tis the season to procrastinate. If you have fallen behind on holiday shopping, don’t panic! There is still time to get gifts to loved ones in time for Christmas. While it’s true that your options are more limited now…



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Monday, December 23, 2024

24 Restaurants With Gift Card Bonuses and Freebies in December

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Restaurant gift cards can be the perfect holiday present, especially for friends and loved ones who are notoriously difficult to please. And if you purchase a gift card from the right restaurant, you can get a little holiday bonus with your card. Following are a slew of restaurants offering bonus gift cards when you purchase cards.



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7 Holiday Gifts That Almost Always Disappoint

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The holidays seem to approach like a giant snowball rolling downhill, quickly gathering speed until they are almost upon us. So it’s easy to make holiday purchases on impulse, snatching up a gift or decorative item without really thinking it through first. Some impulse buys can be huge hits, of course. But generally, it’s smarter to carefully consider a purchase before handing over hard-earned…



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Retirees Who Miss This IRS Deadline Risk a Hefty Penalty

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Many retirees who turned or will turn 73 or older this year are up against a potentially costly tax deadline. Folks that age who own certain types of retirement accounts generally must withdraw what the IRS calls a “required minimum distribution,” or RMD, by Dec. 31 of every year. Those who miss their RMD deadline face a whopping 25% tax penalty — which could translate to hundreds or thousands…



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10 New Toys That Are Downright Dangerous

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Before you head out to do a little holiday shopping, an advocacy group is warning you to stay away from purchasing a few specific toys. World Against Toys Causing Harm — better known as W.A.T.C.H. — has released a list of the 10 worst toys of 2024 in terms of their potential for injuries. This is the nonprofit organization’s 52nd annual list. In a press release, W.A.T.C.H. says its goal is to…



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Sunday, December 22, 2024

Why Trump’s Grocery Bill Cuts May Not Deliver: 5 Reasons They Could Fall Short

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Americans are frustrated with soaring food prices, and many pinned their hopes on President-elect Donald Trump’s promises to ease the burden. However, economists warn that his proposed policies may not provide the relief voters expect—and could even worsen things. Food costs have surged by nearly 30% since the pandemic, and although there have been some slowdowns, the complex nature of inflation…



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CBH Engineering enhancing capabilities to meet rising demand for M&E services

PETALING JAYA: The Malaysian mechanical and electrical (M&E) engineering services sector continues to show promising growth, driven by increasing foreign and domestic investments that lead to a rise in commercial and industrial properties.

Further, the long-term development of key end-user industries, particularly data centres, where CBH Engineering Holding Bhd holds a proven track record, places the group in a strategic position to benefit from these market dynamics.

CBH aims to strengthen its internal capabilities by recruiting more skilled professionals to meet rising demand. This will enhance its operational efficiency and ensure it continues delivering innovative and high-quality engineering solutions. Simultaneously, CBH is focused on strengthening its financial resources to support the working capital required for larger and more complex M&E engineering projects.

These efforts will allow CBH to solidify its reputation as a trusted and leading service provider in the M&E engineering sector.

Launching its prospectus in conjunction with its upcoming initial public offering (IPO) in Kuala Lumpur on Friday, CBH managing director Cheah Boon Hwa said the company’s upcoming listing on the ACE Market of Bursa Malaysia represents a transformative step.

It will enable the company to strengthen operations, expand its team, and seize new opportunities within the growing M&E engineering services industry.

CBH provides electrical and M&E services, including designing, installing, testing, and maintaining electrical systems across various voltage levels and mechanical systems like air conditioning and mechanical ventilation, fire protection, plumbing, and renewable energy.

The group has a diverse portfolio of projects, including substations, commercial properties such as data centres, shopping malls, hotels, office towers, industrial properties such as factories and warehouses, and highrise residential properties.

Showcasing strong financial growth from the financial years ended Dec 31, 2021 (FY21) to FY23, CBH achieved a two-year net profit compound aggregate growth rate of 203.8%, rising from RM3.6 million to RM33 million. This was underpinned by revenue growth from RM67.6 million to RM208.0 million over the same period.

For the eight-month period ended Aug 31, 2024 (FY24), CBH reported a net profit of RM30.7 million and revenue of RM178.2 million, reflecting increases of 150.9% and 126.3%, respectively, against FY23.

Looking ahead, CBH’s optimism is grounded in its unbilled order book of RM203.7 million and a tender book valued at RM559.7 million as of Nov 25, 2024.

The bulk of the RM83.4 million to be raised through the IPO will be allocated for business expansion purposes. Specifically, RM38.5 million (46.2%) will be earmarked for the procurement of equipment and components for future

projects, while RM17.3 million (20.7%) will be allocated to bank guarantees for future projects.

Additionally, RM18.5 million (22.2%) will be used towards the payment to subcontractors for future projects, while RM3.5 million (4.1%) will be set aside towards the recruitment of engineers and other personnel. The remaining RM5.7 million (6.8%), will be used to defray listing expenses.

With an enlarged issued share capital of 1,880.9 million shares and an IPO price of 28 sen per share, CBH will have a market capitalisation of RM526.7 million upon listing.

Mercury Securities Sdn Bhd is the principal adviser, sponsor, sole underwriter and sole placement agent for CBH’s IPO.



Source: The Sun Daily

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EPF’s new scheme raises practicality, impact concerns

KUALA LUMPUR: The Employees Provident Fund’s (EPF) newly launched Retirement Income Adequacy (RIA) framework establishes a solid foundation for retirement planning, however, questions about its feasibility and effectiveness remain.

Asia School of Business deputy CEO and practice professor of finance Joseph Cherian said the success of the RIA depends on two critical factors.

“Cultivating a culture of financial literacy and early proactive saving among individuals and policymakers and ensuring financial professionals deliver impartiality are critical issues that need to be addressed.

“Further, there is also the issue of cost-effective advice and tailored financial products to help individuals meet their specific RIA target income,” he told SunBiz.

Cherian said these elements are essential to transforming the frame-work from a blueprint into a practical tool for securing retirement readi-ness.

“Yes, the three tiers of the RIA framework are feasible. However, achieving the desired or target income level in retirement depends on having a sufficiently long savings runway and ensuring income adequacy during one’s working years to save in a manner that achieves one of the three RIA benchmarks.

“This requires careful financial planning, disciplined savings, good and unbiased financial advice, and strategic management of financial resources over time,” he said.

On Dec 12, EPF rolled out RIA, a new three-tier savings framework as a reference for Malaysians to maintain different levels of financial security post-retirement.

Launched in tandem with Belanjawanku 2024/2025, the newly introduced RIA framework revises the recommended savings level from a single benchmark to three tiers, comprising “basic”, “adequate”, and “enhanced” levels of savings.

Cherian noted that the newly launched RIA framework by the EPF aims to address retirement planning in Malaysia, given rising living costs and an ageing population.

Cherian said ideally, retirement payouts under the framework should be indexed to inflation, cost of living, or standard of living metrics to ensure financial security.

He said that without such adjustments, the framework risks losing relevance and purchasing power in an inflationary and volatile economic environment.

Additionally, the government should consider incorporating a form of tail risk insurance into the frame-work.

For example, Cherian said, structuring the RIA scheme as a life annuity of payouts rather than a term annuity would ensure lifelong income security.

“This is especially true for individuals who outlive their planned retirement period, the average life expectancy in Malaysia notwith-standing.

The RIA savings levels table needs to be recalculated to accommodate these tweaks,” Cherian said.

Moreover, he added, a needs-based social security scheme would support those unable to meet the savings threshold, providing a more comprehensive approach to our social security net.

EPF’s recent data reveals a concerning trend, with only 36% of active formal members achieving the basic savings level of RM240,000 by age 55, highlighting a growing retire-ment crisis.

This issue is particularly severe for individuals with limited financial capacity to save adequately.

Cherian said addressing this challenge requires actionable solutions.

“Extending work life, supported by upskilling and flexible education opportunities, can boost savings and delay fund depletion.

“Increasing savings rates through higher contributions during working years can mitigate future shortfalls. Additionally, homeowners could consider reverse mortgage schemes to convert home equity into retirement income.

“While these strategies provide viable options, their success relies on comprehensive policymaking and systemic reforms to ensure long-term impact,” he said.

Cherian said the RIA framework is a commendable step forward, but addressing the complexities of retirement savings and adequacy over one’s lifecycle demands com-prehensive, data-driven stra-tegies and active collaboration among individuals, the academy, insti-tutions, and the government.

“It also involves coming up with feasible strategies for those who cannot make the cut, no matter what.

“By fostering financial pre-paredness and implementing inno-vative policies, Malaysia can turn its retirement challenges into sustain-able growth and social stability opportunities,” Cherian said.



Source: The Sun Daily

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The 7 Best Gift Cards to Give This Holiday Season, Ranked

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Advertising Disclosure: When you buy something by clicking links within this article, we may earn a small commission, but it never affects the products or services we recommend. Gift cards might be cliche, but they’re as popular as ever. They are the most commonly given present for 18 years running, according to WalletHub’s 2024 gift card study. Some gift cards make better presents than…



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Saturday, December 21, 2024

Eating Meat Is Now Linked to Another Major Disease (As If Cancer Isn’t Enough)

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Regularly eating meat is associated with a higher risk of developing Type 2 diabetes, according to a recent analysis of medical data on nearly 2 million people across 20 countries. The risk is most pronounced for those who eat processed meats or red meat, according to the analysis, which was published in the scientific journal The Lancet: Diabetes and Endocrinology. The researchers found that…



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Friday, December 20, 2024

7 Simple Financial Goals to Reach Before Year’s End

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Maybe you’re tying up the loose ends of a productive year. Or maybe you’ve been dragging your feet and feel like you’ve been crawling toward the finish line rather than sprinting across it. Either way, it’s probably not too late to finish 2024 strong. The following are some simple, straightforward financial goals that can still be readily achieved as we approach 2025.



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25 Insider Tips to Unlock Costco’s Best Bargain Deals

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Costco is renowned for its bulk bargains and unbeatable deals, but are you making the most of your membership? With a little know-how, you can unlock even greater savings and discover hidden perks that few shoppers know about. Here are 25 insider tips to maximize your Costco experience and stretch your dollars further.



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Thursday, December 19, 2024

20 Affordable Destinations for a Stylish Retirement

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Planning for retirement abroad can be an exciting step toward a more affordable and enriching lifestyle. However, residency and visa requirements vary and can change due to shifting political or economic circumstances. These 20 destinations offer a perfect blend of beauty, cost-effectiveness, and a vibrant lifestyle. Many also provide visa options or residency programs tailored explicitly for…



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6 Great Gifts on Sale at Amazon Today

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Wednesday, December 18, 2024

Decluttering Made Easy: 20 Things You Can Toss Right Now

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Clutter has a sneaky way of taking over our homes, leaving us overwhelmed and stressed. Decluttering doesn’t have to be complicated—sometimes it starts with simply letting go of things you no longer need. Whether you’re preparing for a big move, tackling a messy room, or just want to simplify your life, these 20 items are perfect candidates for the toss pile. Clear your space…



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Resources Are Expanding for Older Adults on Their Own

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Jeff Kromrey, 69, will sit down with his daughter the next time she visits and show her how to access his online accounts if he has an unexpected health crisis. Gayle Williams-Brett, 69, plans to tackle a project she’s been putting off for months: organizing all her financial information. Michael Davis, 71, is going to draft a living will and ask a close friend to be his health care surrogate…



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Tuesday, December 17, 2024

The Best Way to Defog Your Car Windows, According to Consumer Reports

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As winter roars in and the temperatures drop, it can be difficult to keep your car windows from fogging up. This reduced visibility can raise your risk of an accident. Fortunately, there is an easy — if counterintuitive — fix to the problem: Increase the air conditioning inside the car. To make this trick work, Consumer Reports recommends activating your car’s “defrost” mode. When you do this…



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Monday, December 16, 2024

Stop the Cycle: 8 Habits Keeping You in Debt

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Debt can feel like an unending trap, but breaking free starts with identifying the habits that keep you stuck. Many common behaviors can silently sabotage your financial health, making it harder to achieve your goals. Here are eight habits you need to tackle to stop the cycle and start building a brighter financial future.



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Will Trump’s Tax Plan Help or Hurt Your Wallet? 7 Key Insights

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As a central figure in political discussions, Donald Trump has introduced a new tax plan that promises to reshape the financial landscape. Whether it helps or hurts your wallet depends on the details, and understanding these nuances is crucial for planning your financial future. Here are seven key insights into Trump’s proposed tax changes and how they might impact you.



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5 Retailers That Expect to Hike Their Prices Under Trump Tariffs

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Tariffs are the chatter of the town, and with good reason. Placing blanket tariffs on countries that American businesses import from increases costs, which are often passed on to consumers. Such tariffs are a promise of President-Elect Donald Trump’s official campaign platform. It commits to “support baseline Tariffs on Foreign-made goods.” The price increases that consumers may see as a…



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