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 Job Hunting Tips For Those Who Want To Work In Interior Design


Pursuing a career in interior design is not exactly a walk in the park especially if you are a new graduate or if you are pivoting from another field. The competition can be tough and most companies are looking for people who have experience. However, there are certain things you can do to make it easier for you to land a good-paying job in the industry. These job hunting tips are discussed in more detail below:find-your-niche

1) Target a niche. A very common mistake among aspiring interior designers is that they try to do too many things at the same time. They end up not getting hired because potential employers can’t pinpoint the fields where they’re good at. With that said, you have to focus on a specific niche. There are several interior design styles you can choose from: modern, minimalist, contemporary, industrial, mid-century modern, traditional, transitional, bohemian, and Hollywood glam. Choose the style that’s most relevant to your skills and education background and focus on it. When you make it to an interview, it will be easier for you to sell yourself.77321788e180e55df4b93104568a232f_bigstock-flat-design-background-the-com-68038597-1170-516-c

2) Network like crazy. Knowing the right people is one of the keys to landing a good interior design job. In this day and age wherein everyone is online, it’s so easy to connect with people in the industry. Use online platforms like social media sites, forums, and blogs to reach out to important players in your field. Another great way to network is to attend as many design-related events as you can. These events often have job fairs where you can interact with potential employers.

mesh-template3) Create a professional-looking online portfolio. This can be in the form of a blog or a website. The number one thing that employers look for are samples of your work so be ready to provide one when asked by an interviewer. If you are just starting out without any paid experience, you can upload design concepts or ideas that you’ve come up on your own.sell-yourself-key

4) Advertise yourself. The goal here is to drum up as much attention as possible to yourself. This is called branding and it can be very effective in getting the attention of potential employers. The best way to do this is to set up a regularly updated blog or website then promote its content by being active in social media sites. You can also try paid advertising if you have the budget for it. Online advertising these days can be very cheap. Just make sure that you are buying ad space from sites relevant to interior design. 5) Try cold calling design companies. Many aspiring interior designers dread this strategy because it’s intrusive. However, it can be very effective if you know how to sell yourself the moment someone from the company picks up the phone. Design companies don’t always publicize job openings. If you call to inquire about openings and there happens to be one, that’s when you make your pitch. It’s a bold tactic that requires confidence.

Finding a good job in the interior design industry can be difficult considering the competition and how choosy companies are in sifting through applicants. However, you can significantly  improve your chances by being more creative in your job hunting approach. Following the tips discussed above would be a good start.

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