Worst Financial Decisions of Your 20s and Best Available Ways in Malaysia to Make Them Right

Your 20s are both amazing and terrifying. You are both young to make mistakes and old enough to take wise decisions. This stage of your life, most often than not, determine where you might be in the future. But if there is one thing that you must already be doing in your twenties, it is preparing for your future financially.

Due to the many desires you tend to prioritize during this stage, financial security may fall to the bottom of your list. But you should not despair because below are the most common financial mistakes you tend to do during your 20s and some of the best ways to solve them:


  1. Depending on credit cards
  • Applying for a credit card in Malaysia is easy peasy. Based on your need, Malaysian credit card providers may cater to your very need for as long as you have the capacity to pay. However, habitually living off your credit card may have a significant impact on your life financially especially if your expenses grow larger more than your savings because of it. To prevent this from happening, ensure that you have a budget plan every week to minimize unnecessary spending. Better yet, cancel your credit card if your expenses are becoming out of control.


  1. Saving Alone
  • Saving is probably one of the great things you could do to secure your future financially. However, during our 20s, we tend to forget that saving alone is not enough. As they say, we must learn how to make our money work for us. And the truth is, there is a very efficient way to do this—life insurance with savings plan. Life insurance with savings plan is a kind of specialized insurance in which you may choose the amount of money you want to save as well as the maturity date of the insurance. This type of insurance is very much available in Malaysia and insurance providers may customize this plan depending on their financial capacity at the moment.


  1. Wrong Investments
  • People in their early 20s tend to prioritize things that depreciate over time like cars or gadgets. This has become one of the most common financial mistakes considering that the value of these things tend to go lower over time which may also mean dead end for the money you used. If you wish to avoid this type of mistake, financial planners may be sought for advice. In Malaysia, financial planners are expert individuals who may help you plan your financial life. They may custom fit your needs in the present and future investment, depending on your short-term and long-term plans. To ensure your security, look for financial planners who have passed either the Registered Financial Planners or Certified Financial Planners examination.


Although your 20s may be full of uncertainties, your financial security must always be on top of your list. This would ensure not just your future but the future of your family as well. So if you are looking for ways on how to minimize financial mistakes and make wise money decisions, do not hesitate to look for efficient means and assistance in Malaysia.

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Why Work in Human Resources? Here are 6 Rewarding Benefits

The working class in Malaysia is a distinctive breed of people. They are disciplined and hardworking.  Let’s face it, a country is only as good as its people. If you believe you deserve to part of the nation’s driving force, then there should be a lot more going for you. As one of the perceived rewarding career options, more and more people now are searching jobs in the Human Resource.

The field of human resources is stimulating and very engaging. Furthermore, working in Human Resources will serve you well as a professional. Let us look at the rewarding benefits of this profession.

  1. Position of Influence – If you are in Human Resources, chances are, you like people and being around them. However, simply having fondness for people is not only the requirement. You are in a position that can wield influence within the organization. You are part of the crew that is entrusted to screen, evaluate, and recommend prospective applicants who will fill in job vacancies or hire them for manpower expansion.Being in Human Resources are in a position of Influence company and personal too
  2. Develop and Help Other People – The kind of work you do in Human Resources entails helping peers outside of your group in their professional development. The organization will operate as a well-oiled machine when there is synergy among employees. It is your fundamental function to make use of information derived from performance reviews or exit interviews to improve the overall performance of the organization as a whole.
  3. Solution Provider and Mentor – You will be consulted by your co-workers in problem situations in the workplace. You are viewed as a person of integrity with a high level of objectivity. In most instances, you will also be the point person in dealing with new hires. These newbies would need proper guidance to begin their assimilation in the company culture.HR is the solution provider and mentor that you may want to apply for job
  4. New Challenges Everyday – A Human Resource professional meets new challenges every day. You are required to level up from mundane tasks to complex ones. There’s more of everything – personnel files, finance, accounting, and medical/health insurance. You should have an extensive knowledge of all processes related to human resources. Familiarity in information systems, as well as knowledge of computers, is a must.
  5. Worth the Compensation – Human Resources is a vital cog of any organization. For this reason, its personnel are indispensable. The compensation is appropriate to the demands of the job. You should not be worried about job displacement even with the rapid changes in technology and automation. Higher job responsibilities await you.
  6. Rise Up the Corporate Ladder – Rising up the corporate ladder is also the dream of a Human Resource person. Within the group are specific functions such as administration, recruitment, compensation, and training. Such functions are carried out by official and non-official personnel. There is further growth as you gain more experience. Also, higher job responsibilities also await for you.Businesswoman at top of ladder

The role of Human Resources is changing at a fast pace to meet the demands of today’s business organizations.  The shift in strategy is evident in the modern setting. Whereas before when hiring was an ordinary duty, today it is more of utilizing employees for meaningful work. Add to that the opportunities for future growth.

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10 Most Romantic Venues For Indoor Pre-Wedding Photoshoot In Singapore


A pre-wedding photoshoot is often done outdoor, and there are many beautiful outdoor venues to take pictures in Singapore. But if you want something a little bit different, try capturing the romantic moments indoors for a change. Check out the 10 most romantic venues in Singapore for your pre-wedding photos:1

  1. National Gallery of Singapore Housing a large collection of art sourced from Southeast Asia, the former City Hall and Supreme Court has a breathtaking and modern indoor view.2
  2. Victoria Concert Hall A historical venue that once birthed PAP and treated bomb victims during WWII, the elegant concert hall has a stunning white façade with lovely backdrops found indoor.3
  3. Crowne Plaza The interior at Crowne Plaza near Changi Airport features a futuristic and artistic design which would make for interesting pre-wedding photos, especially the quirky walls and tiles.4
  4. Istana Woodneuk The run-down building still possesses its own charm due to its historic past. If you prefer some elements of mystery and elegance in your photos, this is the place to go. The grand staircase is favored by brides and grooms to be.5
  5. Gardens by the Bay Another venue for those who’d like a futuristic and artistic touch to their pre-wedding photos is the Gardens by the Bay. Strike a pose as you stand at the mountain walkways inside the majestic-looking Forest Dome.6
  6. CAN Café Retro and vintage lovers who want to add a touch of old-school charm can have their pre-wedding photos taken at this cosy and quirky little café, which has plenty of old knick-knacks that serve as great backdrops.7
  7. Singapore Youth Flying Club Those who want something out of ordinary could have their photos taken inside the Singapore Youth Flying Club. The Cessna Diamond Star DA40 aircraft will serve as your photo’s backdrop.8
  8. National Museum of Singapore For a Victoria and colonial design as your backdrop, head on to the republic’s National Museum. Please note that a photography fee will be charged.9
  9. Chijmes The breathtaking monument used to be a Catholic convent school. Currently a place to dine and shop, Chijmes maintains a European interior.10
  10. Wheeler’s Yard Another vintage café with a charming old-school setting, Wheeler’s Yard has a cool industrial setting going on, with plenty of bikes and other things adorning the walls. Perfect for cycling enthusiasts.

The best venue for you is the place that suits your preferences and the mood you want to create in your photos. Our advice will be to book an indoor wedding photoshoot in Singapore in advance, to assure that your preferred venue is still available.. Pre-wedding photo packages vary depending on your needs and budget, but they all capture the loveliest moments between you and your partner.

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Dance The Stress Away. 5 Amazing Mind And Body Benefits Of Zumba Fitness


If you are looking for a unique and fun way to exercise your body and mind, you should take a look at the Zumba fitness craze, which combines rhythmic Latin-American dance music with aerobic exercise. Zumba is fun, affordable, and often done in groups, which makes it a great way to socialize while exercising.

To help you better decide if Zumba is right for you, here are five outstanding benefits of Zumba fitness for your mind and body.1

  1. Full Workout for Your Body

Zumba combines aerobic and anaerobic exercise to give your body a complete workout. Your heart, lungs and all muscle groups all work equally hard, while the footwork will stretch and strengthen your leg muscles and ankles. Zumba also incorporates wall push-ups, squats and other exercises to round out the health benefits.2

  1. Rapid Weight Loss

Zumba burns up a lot of calories fast, and that makes you slimmer, more shapely and more energized throughout your day. On average, you can expect to burn between 600 and 1,000 calories per hour, depending on the intensity of your workout and other factors.3

  1. Better Coordination and Posture

Because you are moving and grooving to rhythmic Latin-American beats while engaged in Zumba exercise, you’ll soon find yourself better coordinated while moving throughout your daily routine. You also will have stronger back and neck muscles, which will improve your posture and general appearance.4

  1. Dance Away Your Stress

Possibly Zumba’s greatest health benefit is how it helps you to burn of stress while you also burn calories. The harder your Zumba workout, the more stress you can relieve. If you are having an especially bad day, an hour of Zumba will alleviate stress and help to clear your mind.5

  1. Greater Personal Confidence

Given its many health benefits and ability to alleviate stress, Zumba in many ways boosts your personal confidence. Your improved posture, coordination and slimmer body make you look better, and you will feel better mentally as well as physically.

While Zumba has many great benefits for your body and mind, it also is a social form of exercise due to its group format. Your general investment is small, requiring only a comfortable pair of workout shoes and appropriate clothing, plus any fees for your class. Yet, the benefits greatly can outweigh the nominal investment, while improving your body and mind.



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6 Essentials to Become an Efficient and Successful Administrative Assistant

It takes a lot to run a company. That’s why companies have several departments that handle different functions for optimal returns and performance.


While these different departments all have varying functions and duties, they still need to work together to support one another. It’s the administrative body’s objective to guarantee this company-wide synergy. This sector of the enterprise is commonly headed by a senior executive assistant who answers directly to the senior executives of the company to provide reports on company performance and oversee operations on lower levels.

Beautiful Secretary

But before you can become a successful senior executive assistant, first you have to become an administrative assistant. Wondering what you can do to start your career journey on the admin path? Read on to find out the essential skills and traits of successful administrative assistants:

  1. In Sync With Technology – You probably used your computer a few times to look for admin clerk vacancies online. But did you know that a lot of the admin assistant functions you will perform in the office require much more tech skill than just that? Special software and applications are commonly and frequently used to create presentations, keep tabs on operations, and monitor progress to generate an idea of where the company stands. Another plus for some employers is an admin assistant who can navigate social media platforms with ease, as smaller businesses tend to delegate social media marketing to their admin assistant.
  2. Understands Numbers – Because admin assistants have access to all of the company’s information, it’s also possible that they might be able to spot where funds are being unnecessarily funneled. Employers will always be happy to have an admin assistant who can help them cut back on overhead expenses, so be sure to develop your math skills and keep your eyes open for lost value.
  3. Multitasks Easily – Encoding, filing, distributing mail, record keeping, and other clerical responsibilities all make up the admin assistant’s daily duties. Often, these tasks need to be performed every day, so it helps to be an admin assistant who can easily and quickly get all of these different functions done without errors.admin-clerk-does-not-have-thousand-hands-but-they-acquire-multitasks-skill
  4. Articulate and Personable – Admin assistants are the first person in the company that come in contact with clients, customers, or merchants who want to partner up. That’s why it’s important that you can articulate yourself well in order to establish good relationships with key individuals for your company. Practicing your speech and articulation, as well as your interpersonal behavior, could significantly improve your company’s performance and reputation to prospects and potential partners.
  5. Informative and Organized – Admin assistants answer to a lot of superiors, mostly because they’re the go-to-personnel for anyone who wants to get information on the different departments within the company. They’re also often called in for presentations so executives and other higher-ups can get an idea of the current company status. Staying organized with your information and being able to provide all the details in easy to understand and concise reports will leave a positive impression on your superiors.informative-and-organized-is-required-skill-to-every-admin-clerk
  6. Reliable and Trustworthy – For as much information as administrative assistants handle, there will always be confidential and private details that can only be shared with specific people in the company. Being able to secure documents and keep information guarded for the benefit of the different workers in the organization will create a safe environment for both employers and employees.

Administrative assistants are the foot soldiers of an admin department. They make sure their company is well-oiled and working at peak performance. Are you an effective admin assistant? Achieve success and move up the ladder by living out these 6 essential qualities of an ideal admin assistant.

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5 Skincare Products That Men Must Have And How To Shop For Them


If you’re the type of guy who likes to share skincare products with your female partner, stop doing it now! You’re doing yourself a disservice as men’s skincare needs are different. Because men’s skin is much warmer, oilier and thicker in comparison to women’s skin, you need skincare product that can be easily absorbed into the skin. In essence, you need to use skincare products that are formulated according to your skin type. These are the five skincare products for men and how to shop for the best ones:

Man putting on shaving cream smiling

  1. Face wash/cleanser If you normally wash your face with a bar of soap, now is the time to stop doing it. Washing your face with soap could leave your skin dry and taut. Instead of soap, use a face wash or cleanser, preferably the fragrance-free gel types that are suitable for any skin type. The cleanser should be gentle enough for everyday use, yet strong enough to penetrate through the male sebaceous glands.


  1. Clay facial mask A fast 10-minute commitment once every week is all you need to deep-cleanse your face. You can either buy the one that’s formulated based on your skin type, or the one that’s made for all skin types. The best clay facial mask should be able to promote cellular regeneration, shine your skin, reduce excess oil, unclog pores, and remove dead skin. If you’d rather have someone do it for you, there are facial treatments for men in Malaysia that you can check out.


  1. Moisturiser Be extra careful when using a moisturiser; even the mild ones can make your skin feeling parched. All men, regardless of skin type, need to replenish their skin’s moisture content. When washing your face or showering, use hot water to open pores and allow water to get in. When shopping for a moisturiser, get the one with SPF. Using a basic moisturiser with SPF helps to prevent your skin from premature ageing, reduce razor burn, protect your skin from the sun, and restore skin moisture.

Back view of man showering outdoors

  1. Body wash A bar soap can only wash you so far. Instead, use a shower gel, preferably the granular scrub types. It’s more sanitary and effective in cleaning your skin, removing dead skin cells, and fighting off germs. For a more tingly and fresher skin, try the ones that contain caffeine or menthol.20150427111648_70145
  2. Shaving cream and aftershave Not all shaving creams are created the same. Get the gel-based ones as they’re cooling and soothing to the skin, giving you a pain-free shave. For aftershaves, also get the gel ones formulated with Vitamin E and aloe to promote healing.


Taking good care of your skin should be part of your daily routine. While using your lady’s skincare products may not cause you any harm, your skin will not benefit anything from it. To make it easier for you to shop for men’s skincare products, always be on the lookout for these key ingredients: antioxidants, peptides, and retinoids. The three ingredients work well for all types of skin, regardless of gender. If you have sensitive skin and are prone to irritation, it’s best to consult with a dermatologist before you start using a product.

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