How To Save Up For You First Home

Are you a millennial going through a mid-30s crisis? It’s becoming more common these days that 30 year olds are becoming increasingly worried about how they are going to buy a home and settle down. As the housing market soars, wages remain stagnant and have had little no change since the 1960s. If you’re a millennial going through all these, don’t compare your times to your parents. Back then wages were sufficient to buy or loan a home to live. As everyone bought more homes as assets, the prices of the housing market increased indefinitely. Now an apartment in KL starts easily at 400,000 ringgit while buying a home is just unimaginable for regular people. To ease the burden we decided to give you some tips on how you can save up for your first home.

Portrait of family in front of suburban home

It’s not the prettiest idea but it’ll get you to where you want. First of all, if you have any debts from taking PTPTN, we’ll ask you to cover that up. Having debt and trying to incur a loan is like adding debt on top of debt which is not a good idea. PTPTN loans have a generous interest rate of just 1%. Even if that is generous, the sooner you get rid of it, the better. Once you’ve gotten rid of one debt, now to save up for your home.

If you’ve heard of Dave Ramsey, then you’ll know what I’m referring to. You must live below your means to ensure that you’re saving enough down payment for your home. This means, if you’re earning RM2000 – RM3000, we’ll encourage you to save 1/3 of that. So don’t go out and have drinks or don’t buy grabfood every day. Forget about the small luxuries of life, like that 800 Coach purse. A home is an asset that can give you twice the returns if kept well.

Next, get a second job if you can. There are many mlm software development that you can participate in. MLMs are a great way for you to earn money for the future. It’s the best side hustle. You can also be a part time real estate agent, or a mutual fund consultant, or anything that does not require you to have to be there full time and lets you work anytime you wish. You can use this extra income and save it for your home. Once you think you have about RM 100,000 saved up, you can start looking for homes where there might potentially be a boost in price. Look for places near highways or near shop lots. Apply for loans at an Islamic bank for lower dividend.

Applying for low interest rate loans will save you in the long run. Don’t go applying for loans in retail banks because they charge around 3-8 percent interest while Islamic banks will charge a significantly lower dividend rate. And yes, non Muslims are eligible for the Islamic loans as well so don’t think twice about applying there.

Finally, life may be tough as a millennial but we assure you the grass is greener on the other side. If you struggle earlier in your life, you can become more relaxed in the future. Owning a home is a milestone that we all hope to achieve and we hope you can too. 

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How To Make Sure You Will Have A Good Wedding Venue

The wedding venue is one of the most significant aspects in a wedding. This is why most couples about to be wed will really take the time to decide where they will want to share their love with their invited guests. They want to make sure that their guests will also be happy while watching them celebrate their love so their big day will really become remembered for a long time. 


Are you looking for a wedding venue right now? The thing is, most venues are expensive if you will directly deal with them since you can’t promise them anything. You can’t promise to use their venue again as you will only be wed once and for sure, that is also what you prefer!

How can you get a wedding venue that is elegant and just perfect for your wedding at a discount? One of the ways is to avail of the exclusive malay wedding packages. Most of the wedding package vendors are connected with good wedding venue admins as they can promise them to always consider their places every time they will cater a wedding. 

But even if you will avail a wedding package, it is still great if you have an idea what to look for in a wedding venue or how you should look for one. check this out:

  • When it comes to venues for your wedding, you have a lot of options and one of the many decisions you need to make is whether you will go for an outdoor or indoor wedding. You see, if you choose the outdoor setting, you have to be sure about the weather. You also need to note the fact that the weather forecast is not really 100% sure, and thus you need to instruct the provider to prepare in case it will still rain. 
  • Another thing you need to consider is the surrounding area. You see, some guests will be wary to attend a wedding if the wedding venue is in a risky area, especially if they are tagging along with their kids. You also need to consider the fact that some might need to travel overnight and thus they need to look for accommodation. It would be best if your venue is just a short distance from a number of presentable accommodations. 
  • It would be great if the wedding venue is not in the middle of businesses or residential properties. It would be chaotic to be in such an environment where people might complain because your visitors are loud or maybe, your visitors might not be comfortable as the surrounding areas are too loud. 

Yes, there are so many things to consider when it comes to a wedding venue. This is why you really need an expert to guide you. and if you want to be free with the tedious process, you can just hand this task to a wedding package provider and just give them your instructions. 


How To Get Help During Pandemic

How To Get Help During Pandemic

Now that everyone has to learn to live with the Pandemic, it becomes adaptable. Even so, many are still struggling mentally and financially. There are many reasons why these issues are still ongoing although the government has lent its best help to the people. Firstly, there are so many necessities that we need nowadays. With the pandemic going on, businesses have increases the price of their products and services, and we are trying to keep up with the price as well with not getting raise during the pandemic. Second of all, some of us have other people to support such as parents, kids, siblings, and others. How do you expect us to be okay all the time? Therefore, because of these problems and issues, people are starting to go crazy mentally, some gave up on their lives, believing that it is pointless to work harder because life, generally, is already hard.

Awareness of providing and getting help has started to spread around the news, advertisements, and social media. Some of us are aware of our problems, are aware of how to communicate, of how much space we need, and how important it is to give ourselves a break, but not everyone knows that. Some even do not know what is going on, wandering around asking themselves why they feel so empty.

If you look through your social media, there are therapists and counselors who are on social media, handling aware posts of how important it is to get the help you need. It is safer, and their words and quotes are very much helpful most of the time. I am sure you are provided with Time fibre to have the internet run smoothly while you go through the posts. I think if you go there, especially if you are young, you are able to feel at least a bit better about your situation. Because apart from the posts, they provide a safe space for you to talk, and sometimes it is better to talk to people who do not know anything about us personally.

Another way for you to seek help is by reaching out, is calling the helping centers. They normally would advertise their numbers between television advertisements or get promoted at the end of the news time, and sometimes our friends also might share it on their social media because they could not provide you the help, so they share where you might get it, or you can always search it from Google, there are many numbers with different kinds of services that can help you.

Do not feel you cannot be helped, because you can. You are definitely are not alone because they are a lot of other people as well that go through the same things as you. Reach out, and grab that hand so we could reach you out. You are a fighter and you can get through this, we can!


Why Time is the Best

Not everyone can afford the luxuries of life, such as the internet. Today, the effects of the internet, what it can do for us, and all those kinds of things has become greater and greater. Because of the internet, we can book flights, book a hotel, order food, get a cab, pay bills, shop, etc. Online. It clearly made each of our lives easier than ever. If you have an access to the internet, you should definitely consider yourself lucky. You have unlimited source of fun. You’d get updated with the latest news all over the world. You can easily know certain things by looking it up on the internet. You can watch the latest movies. You can listen to new songs. You can stream different TV shows in your own time. It’s mind blowing how great internet it. That, because of such, it has become a part on each of our daily lives.

With the different facts you just heard on how important internet is, you might come to the conclusion that having the right internet provider by your side, sure is a must. Now, to help you out with such dilemma, here are some tips and tricks you could do to find the right one. Read through the whole article to find out. 

If you want to make the process fast, need to start right. So, the first thing you should do is to identify your options. Know what you’re choosing from. Know the different internet providing company that can give you quality services. List them all down and start from there. Trust us, you don’t want to miss anything out. Do that first, then move on to the next step.

The next thing you would do is to go through each of their services. Know the how fast their internet is. Set a standard regarding on such, then choose your top picks. It’s basically an elimination round. You need to eliminate the different internet providing companies that does not reach your standard when talking about internet speed. The speed should be your topmost property. You don’t want to experience lagging every now and then. You don’t want to experience the system crashing while you’re surfing the net. You want to be able to enjoy the internet freely.

Then after having your top picks, that’s where you start to dig in a little deeper. Learn as much as you can regarding these companies. Learn about the kind of service they offer, the speed of their internet, the stability, how long they’ve been on the business, and such. Learn as much as you can, and guaranteed that making the right choice would be a piece of cake. The things you learn about the company you plan on acquiring services from would become your guide. 

Now, if you want to skip all the stress and hassle of looking for the right company, we can make things easier for you. We know just the right company that will be able to offer you out standing benefits, and will excellent service.

Time internet company is the right company to acquire internet services from. Here’s why:

With them, you have freedom. In some internet providing companies, they make contracts to make sure that their clients would last for years. This is why, their clients tends to have a love and hate relationship with them, because they don’t have the freedom to break free from such contract. They basically are tied down. Even if they don’t need the service anymore, they still have to pay for the service on a certain amount of time because of the contract. But that’s now what Time 100mbps is. They do not set contracts. You can freely break-free from them anytime you want. They do that because they can guarantee that with their service, you’re the one who would want to stay.

Then, another thing about them is that they offer a hundred percent fiber Wi-Fi. With that, you can easily rely on the speed and the stability it can give you. Guaranteed, you won’t be having troubles when surfing the net.
So what are you still waiting for? Apply Time fibre unlimited home broadband Malaysia! See what’s all the fuss about and enjoy surfing the net like never before! This internet providing company have served a ton of people, and have kept them satisfied with their service. You can be one of these happy customers too, once you get to experience what their service is like.

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A Categorized List of Useful Websites for Students

As a new student, you need to learn or not know a lot of new information quickly, lack of money and risk being more confused about independent student life. This is where the internet comes into play, in the area of ​​student resources where you can learn things your parents never taught or were not interested in learning at the time, for example, how to make money estimates. How did you arrange an additional payment with your bank and how to iron your clothes without leaving an iron-shaped pattern. In a nutshell, entirely numbers of the student resources which you may need are available online all the available time. In this article, we will let you a classified list of the learner`s websites and online resources that are beneficial to make student life a little easier and how you can make a website with the help of the best website design company in Penang.

Learning is no longer limited to a single class or teacher. One of the benefits of our fast-paced internet age is access to large amounts of information. This means that if you choose, you can learn something from the comfort of your home. There are many different and interesting websites to help you with your studies. Here is a list of 25 such websites. Note that there is some equipment to provide information on exams, courses, and careers. While others offer real study materials and relevant guidance, at present Students prefer to study visually than books because of the ease of understanding, intuition, and interesting content. Online e-learning has become popular among students and classroom workers with the launch of the American video-sharing site, YouTube. Visuals help the human brain record more information than text or voice. This happens so that it is sometimes impossible to learn new skills at the same time due to a lack of time or funds. Rudimentary schooling, working out or validation is important for all of us. Learning something more often enhances our careers and knowledge. E-Teaching is the next best object, and below are some top online learning sites where you can find suitable or free videos for your educational interests.

Education is an essential part of life as it shapes human personality and instills important morals and ethics to be a responsible person. Currently, there are many career options available to students, and choosing the right course can open the door to successWorld-class education is offered by both the public and private sectors. Much of the progress, particularly in higher education and scientific research, has been attributed to various public institutions.

In today’s age of technology, educational websites are about course details, career prospects, top colleges, books, etc. useful student websites can play an important role in choosing the appropriate course or stream by providing valuable information. The education website provides information on competitive courses and exams, job opportunities, and preparation strategies. Jumix design can help you create an educational website if you too want to earn some great money through educational website trends. 

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How Gambling Can Be a Good Thing

When you hear someone say gamble, your mind would immediately think of something bad because gambling at its core is very bad right? Or maybe not really? Gambling started out as just games but then someone decided to include money and betting was invented. 

The truth is, gambling is not all bad as long as you know how to play it and at the same time how to think logically and rationally as you play so you won’t make any stupid decisions that would end up in you losing all of your money and having to fall under the prey of loan sharks.

Gambling may have its skeptics, but many of the critics forget a lot of positive stuff about the past time, conveniently or otherwise. While the traditional viewpoint exists that investing cash into an online casino or buying a large pile for a poker tournament is simply a case of pouring money in and taking the money out, the fact is, it also provides indirect benefits to an individual, including enhancing multiple brain functions.

Games, casinos or cards frequently burst with fresh and mentally stimulating abilities that can positively alter thoughts and actions, it’s worth remembering next time your other half isn’t too pleased with you playing online casino games.

Here are a few reasons why gambling can be a good thing for you.

1. Focus

Most of us are guilty of spending way too much time playing poker or blackjack or enjoying a pin on the wheel of the roulette. However, according to a study published in the journal of Proceedings of the Royal Society, gambling regularly can help players set better attention rates and enables us to develop a clear sense of goals. 

Which simply means the system of mental contingency-reward would be much sharper than a non-gambler. Although they could extend the time on a simple job just to be frustrated at the outcome, you’re much less likely to feel the same frustration.

2. Brain Efficiency

Games such as slots have been shown to activate various neural networks within the brain, and to interact with brain chemistry. It simply means gamblers reach super high legal highs on a roll. The player ‘s body and the form the brain assumes means the body decreases the glucose consumption without any loss of performance. That means your brain is working at much faster altitudes as you play the game, noticeably faster than a non-gambler.

3. Social Skills

Gaming has always been known for developing social skills and now networking is at an all-time high with the growth of gaming and social play. In recognition of this, online casino and poker sites have reacted by artificially creating existing casino games social formats and adding a twist to social gaming. 

Financial gambling benefits are several fold. It will improve your compassion and desire to help others out, when responding in social circumstances positively. Players with good teammates were more likely to give their teammates money, without expecting any reward in return.

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Importance Of Eating Healthy Snacks Instead Of Junk Foods

Why It's Okay If Your Kid Eats Pasta All the Time | Parents

The typical person typically eats 2.2 treats or snacks a day and can absorb approximately a quarter of the overall snacks calorie intake. Even if you’re a big eater of snacks then that will have a big effect on your wellness. Munching on fast food, though, can contribute to weight gain as well as other health issues, but healthier snacks can do a lot of good. That is why it’s really important to be careful about portion size and what type of snacks you eat. It is easier today as you can organic products as it will be ready to eat and is already a snack. People usually avoid snacking as it is a popular myth circulated among fast-food or junk food companies to make you buy their products. Fear not as there are several importance of eating healthy snacks instead of junk foods all the time.

Improves Overall Wellbeing

Some ways snacks will be helpful in a diet are: they could really boost the absorption of nutrients, maintain levels of energy, assisting the body recover from activity, and give people plenty of healthier alternatives. Some snacks may help upgrade the effectiveness of a diet. For instance, nutrient dense foods can help yet another suggested nutrient intake levels and diet plans. The regular individual usually fails in eating a few categories of nutritious foods , such as fruits and vegetables. Seafood on whole wheat tortillas, coconut milk, fresh produce with dairy and fresh sliced vegetables are a few instances of healthy treats.

Regulate Blood Sugar Level

Snacks can be of benefit to people fighting blood sugar levels. Blood sugar levels will increase after having eaten a snack, and then lessen. Snacks may avoid too many of the blood sugar levels falling between meals. Everyone should aim for high fibre snacks and high protein snacks, including bean-dip carrots. This snack is slower to digest and will prevent blood sugar levels from fluctuating. This is really important for diabetes-bearing individuals.

Replenish Energy And Muscle Development

After workout, healthy snacking options will help preserve stored energy and improve muscle development. A healthy after-workout snack should be a form of carbohydrate and a source of protein, like an apple and cheese stick. Ingesting a certain snack after 15-30 minutes of exercise will represent the best results. Yogurt, a carrot and peanut butter on bread are other snacks that provide quick recovery and have vital nutrients. Keeping healthy snacks available can help prevent consuming snacks that are not safe. This will aid us as hunger hits to prepare nutritious snacks ahead of time and have them readily available

Prevent Binge Eating

Consuming all of those healthy snacks would also prevent people from getting starvation with junk foods like the only option. Pretty much the entire selection of sliced fruit, chopped vegetables, greek yogurt or whole grain crackers are a few incredibly simple snacks to have on hand. Because these snacks are “good,” that doesn’t mean you should consume a massive amount of them. If you consume too much of them, you can still gain weight. So it can become a routine to track portion size when cooking healthier snacks and eating food in general.

25 Healthy Snacks That May Support Your Weight Loss Goals | WW USA