online bank account creation malaysia

How To Bank On Your Own Schedule With Mobile Banking

It’s no secret that the way we bank is changing. In fact, mobile banking and online bank account creation Malaysia have become one of the most popular ways to conduct transactions and manage your account. With mobile banking, you have the freedom to bank on your own schedule and you can do so from anywhere in the world. So whether you’re on vacation or just out running errands, you always have access to your money.

But what exactly is mobile banking?

What is mobile banking and how does it work?

Mobile banking is a service that allows you to access your financial information on your cell phone, tablet, or another mobile device. You can use it to check account balances, transfer money between accounts, pay bills, and more. It’s secure, convenient, and available 24/7.

To get started with mobile banking, you’ll need to download the app from your bank or credit union. Once you’ve downloaded and installed the app on your device, you’ll need to register with your account information. After that, you can start using it right away!

Some apps may require additional security measures like two-factor authentication. This means that in addition to typing in your password, you’ll have to enter a one-time code sent to your phone or email address. This extra step adds an extra layer of security and helps protect you from fraud.

Once you’re set-up, you can use your mobile banking app for a variety of tasks. You can check your account balance, transfer money between accounts, pay bills, deposit checks, and more. You can even check current stock prices or make investments. It’s all at your fingertips!

So if you want to take control of your finances and bank on your own schedule, mobile banking is a great option.

online bank account creation malaysia

Tips for using mobile banking safely and securely

Mobile banking is convenient and secure, but there are a few steps you can take to keep your information safe.

  • Use a strong password—make sure it’s at least eight characters long and includes uppercase letters, lowercase letters, numbers, and symbols. You should also try to avoid using the same password for multiple accounts.
  • Keep your device up to date—make sure you’re using the latest version of your mobile banking app, as well as the latest OS update for your device. This will help protect against hackers who use security holes in older versions of software.
  • Use two-factor authentication—this adds an extra layer of security to your mobile banking app. When you log in, you’ll be asked for a second form of identification like a one-time code or biometric authentication (like fingerprints).
  • Be careful with public Wi-Fi—avoid logging into your mobile banking account when using public Wi-Fi networks, as these are more vulnerable to attack. If you need to access your account, use a secure network or turn on your device’s mobile hotspot.
  • Keep an eye on your accounts—make sure you review your bank statements and transaction history regularly. You should also watch out for any suspicious activity that could be related to fraud or identity theft.

What is forwarder Malaysia

A forwarder Malaysia is a company that specializes in organizing shipments for individuals or corporations to transport goods from the manufacturer or producer to a market, customer, or final point of distribution. Forwarders contract with a carrier to move the goods and generally do not take possession of the goods. The primary role of a forwarder is to coordinate the safe and efficient movement of goods from one location to another, whether by air, sea, road, or rail. 

white truck on road during daytime

What service forwarder Malaysia provide

Forwarders offer a range of services to their clients, including:

  • Coordinating the transportation of goods by air, sea, road, or rail
  • Handling customs clearance and documentation
  • Providing warehousing and distribution services
  • Arranging for insurance coverage
  • Offering consolidation services to reduce costs for clients by combining smaller shipments into a single larger shipment
  • Providing tracking and tracing services to keep clients informed about the location and status of their shipments

Who use forwarder Malaysia’s services?

To ensure that shipments are transported smoothly and effectively, forwarders frequently collaborate closely with carriers, customs brokers, and other logistics service providers. They also employ cutting-edge technology to track and manage shipments and give real-time updates to their clients, including supply chain visibility platforms and transportation management systems (TMS).

Manufacturers, wholesalers, and other companies that frequently need to ship goods use forwarders frequently. By managing the logistics of transportation and customs clearance, they can assist these companies in saving time and money while allowing them to concentrate on other areas of their operations. Online retailers and e-commerce firms frequently use forwarders as they can offer a practical and economical way to handle the transportation and delivery of goods to customers.

white and black truck near mountain at daytime

Benefits of forwarder Malaysia

Utilizing a forwarder has many benefits, including their knowledge of logistics and transportation. Forwarders can assist businesses in navigating the complex world of global supply chain management because they are knowledgeable about the rules and procedures pertaining to the movement of goods. Additionally, they can offer insightful opinions and suggestions regarding the most affordable and effective forms of transportation.

Another advantage of using a forwarder is their ability to offer consolidation services. This can be especially useful for businesses that have small or irregularly sized shipments that may not be cost-effective to transport on their own. By consolidating these shipments with those of other clients, a forwarder can help businesses reduce their transportation costs and improve the efficiency of their supply chain.

Disadvantages of forwarder Malaysia

The use of a forwarder Malaysia may also have some disadvantages. One possible problem is that since forwarders don’t take ownership of the goods they transport, they might not have as much control over how those goods are handled and cared for as a carrier would. This may cause problems with product loss or damage while being transported. Businesses should carefully assess a forwarder’s reputation and track record before entrusting them with their shipments.

Overall, a forwarder can be a valuable partner for businesses that need to transport goods on a regular basis. By coordinating the logistics of transportation and customs clearance, forwarders can help businesses streamline their supply chain and reduce costs, allowing them to focus on other aspects of their operations.

mother care

10 Weird Pregnancy Symptoms That Are Actually Normal

Congratulations on your pregnancy! While motherhood can bring immense joy, it can also be quite a dramatic experience, with changes to your body that you may not have expected. From swollen ankles and cravings for strange combinations of food to fatigue and more intense emotions, there are some weird pregnancy symptoms that are completely normal.

It’s important to remember to take care of yourself during this time by getting plenty of rest and eating healthy meals. This is the best way to ensure mother care for both you and your baby throughout the entire journey.

10 Common Weird Symptoms During Pregnancy

Here are 10 common weird symptoms that many pregnant women experience in the first trimester:

1. Nausea and Vomiting

Nausea and vomiting are common during the first trimester. While it’s normal to experience some morning sickness, more severe cases may require medical attention.

2. Food Cravings

During pregnancy, many women experience cravings for certain foods that they wouldn’t usually eat. This can include anything from ice cream to pickles!

3. Fatigue

Despite the fact that you’re growing a human inside of you, feeling tired all the time is a very real symptom of pregnancy. It’s important to remember to take breaks throughout the day and get enough rest.

4. Sore Breasts

Thanks to an increase in hormones, pregnant women often experience soreness and tenderness in their breasts. Wear comfortable clothes that don’t irritate the area, and if it becomes too uncomfortable, talk to your healthcare provider about possible treatment options.

mother care

5. Mood Swings

The combination of hormones and physical changes can cause mood swings during pregnancy. It’s important to be understanding with yourself and talk to a doctor if you feel overwhelmed or have difficulty managing your emotions.

6. Constipation

An increase in progesterone can cause constipation during pregnancy, so make sure to eat foods that are high in fiber and drink plenty of fluids throughout the day.

7. Increased Sense of Smell

While this may seem like an odd symptom, many pregnant women report having a heightened sense of smell. This can result in sensitivity to certain smells and aversions to others.

8. Headaches

Hormonal changes can cause headaches during pregnancy, so it’s important to talk to your doctor about possible treatments that are safe for the mother and baby.

9. Dizziness/Lightheadedness

As your body adjusts to the growing baby inside of you, some women may experience lightheadedness or dizziness due to changing hormone levels and an increase in blood volume. If this persists, speak with a healthcare provider as soon as possible.

10. Swollen Ankles

Fluid retention is normal during pregnancy, which can lead to swollen feet and ankles. Try elevating your feet when you sit or take a break and invest in supportive footwear to help reduce swelling.

While these weird symptoms can be daunting at times, remember that they are all completely normal so you don’t have to worry about them.


These are just some of the weird symptoms that pregnant women may experience during their first trimester but remember — if any of these become too uncomfortable or worrisome, talk to your doctor for advice. From cravings to lightheadedness, motherly care is essential for a healthy and safe pregnancy journey.  With the right measures in place, you can make sure that both you and your baby are taken care of every step of the way.

Taking motherly care of yourself is the best way to ensure a healthy and happy pregnancy!

single premium investment-linked insurance plan Malaysia

Know What Single Premium Investment-Linked Insurance Plan Is

Choosing the right insurance plan for you will not only cover the entirety of your life and your dependent’s life but there are many types of insurance plans that link and combine other benefits as well. To further elaborate on this matter, let’s go ahead and understand what a single premium investment-linked insurance plan Malaysia is all about. 

single premium investment-linked insurance plan Malaysia

What is an investment-linked plan in general?

An investment-linked plan is an insurance AND an investment, linked together, where you will get the chance to enjoy benefits such as possible returns of the investment you made in various investment funds, as well as the insurance protection for unexpected situations or challenges. 

Insurance, as we know it, covers unexpected threats, or challenges that are unforeseen in the near future. With insurance, you will be covered from spending or paying a total amount of the damage (or hospital bills). Moreover, your dependents too will be covered if the unexpected happens to you.

Investment-linked plan, on the other hand, allows you to withdraw some value from your account to be used to cover or maintain your financial needs; all this on top of the payout given to your dependents (if any) if anything unexpected happens to you. 

So, the investment-linked plan is 50/50?

In a way, it is. Part of the portion from the investment-linked plan will be saved up for insurance protection, and the other portion of the plan will be invested in investment funds. From the name of the plan itself, it is obvious and understandable that this insurance plan does not cover life insurance only. Kind of like, double the benefits, but bear in mind, it can be risky too with the lack of research and guidance in choosing which one suits you the most. 

Are they many types of ILP to choose from?

ILP (investment-linked plans) are classified into two categories, so no, there are not many types of ILP to choose from. However, do bear in mind that choosing ILP itself requires a lot of consideration, so having two categories to choose from seems efficient enough. 

The two types of ILPs are these:

  1. Single premium ILPs
  2. Regular premium ILPs

Any differences between the two categories? Yes. The differences are as follows:

  • Single premium investment-linked plans mean you pay a lump sum premium to buy units in a sub-fund. What this means is, that you pay the full amount of the premium to buy the units for your investment, and It is said that most single premium ILPs provide lower insurance protection.
  • Regular premium investment-linked plans mean you pay premiums on a regular basis (or in other words, on an ongoing basis). Compared to the single premium ILPs, you have the flexibility to vary the level of insurance coverage that you needed. 

single premium investment-linked insurance plan Malaysia

Since ILPs are a linked plan, what are the risks that I need to be aware of?

One thing about ILPs that you need to bear in mind is since it is an investment-linked plan, sometimes when you are investing in funds, the return value might not consistent or guaranteed. For ILPs, that is one of the risks you need to face as the value of an ILP fully depends on how the sub-funds perform. 

Another risk or challenge that you will have to keep in mind is the insurance coverage charges. As we know, insurance charges rise with age. Hence, it is also why most people will recommend young people to get an insurance plan when they’re younger because it’s cheaper. So, with regular premium ILPs, there may also be an increase in the cost of insurance coverage. Therefore, another reason why you need a lot of consideration when opting for ILP. 

Hence, do bear in mind this:

  • Those with a longer investment range can opt for ILPs
  • Different ILPs have different insurance coverage
  • Take time to consider if you are able to keep up with the premiums
  • Do comparisons of ILP with other investment products 
Jom Apply offers unifi 800mbps

How To Obtain The Ultimate WiFi Connection


Having a stable WiFi connection is essential to everyone’s lives these days. You tend to miss out a lot if you are not able to have a strong connection to the internet. WiFi allows you to connect with the internet, which in turn connects you to the outside world. 


You get your latest news, current trends and announcements because of the internet. You can find out what’s happening on the other side of the world when you have friends from there. You can share and observe other people’s creative work on social media platforms. All of this is due to your connection with the internet through WiFi. 

Jom Apply offers unifi 800mbpsJom Apply offers unifi 800mbps

However, do you ever come across certain periods where your connection seems unstable? Or have you experienced sudden disconnection without explanation? Well, this could be due to improper router setup, subscription to an unreliable service or too many devices trying to access the connection.


A few of these problems can be avoided if you are aware of the certain steps you can take. These steps can be done by yourself, without the help of a professional. However, if you are not skilled enough to carry these steps out, the better option would be to seek the help of someone who is skilled.


First, you can change the location of your router


Routers should be placed in a central and high location. It should be located in an open space, far from obstructions. It should not be placed in the cupboard or behind multiple walls, because this could dampen the signals, which will decrease the connection. 


Plus, placing it in a high location can ensure that the router can access the connection better. This will allow the WIFi to latch onto the internet signal and relay it to the wireless electronic devices with ease.  


Other than that, if you want access to a better connection, bring your devices closer to the routers. Especially routers that need more bandwidth like computers and laptops. Devices that need less bandwidth such as smartphones and smaller gadgets can be farther away from the devices.


Second, you can update your devices


Electronic devices often have to update their OS or firmware every now and then. These updates ensure better performance for the user, as companies try to fix bugs and issues that come up. 


If your device has issues connecting to the internet, you should check for possible missed updates. You can head over to your settings to check if there is any update you can run, so that your device performs efficiently. 


Third, switch your network frequency


If you are still using the 2.4GHz band, you are still using the older and slower version of the WiFi. Switch the band to 5GHz, which usually comes with the tri- and dual-band routers. So, connect to the 5GHz version of the WiFi band when connecting to the network. 

If all fails, you should just change your internet service provider, or upgrade your plan according to the internet needs of your household. Jom Apply offers unifi 800mbps, which provides ultra fast and dependable connections for all your devices.

internet bank account creation malaysia

Set Up A Personal Internet Bank Account To Achieve Your Financial Aspirations

With more and more people investing in digital assets, one of the most common questions is whether or not it is possible to invest in cryptocurrencies without having to pay fees. This blog article explores a personal account that utilizes blockchain technology, with many sound benefits for anyone interested in learning how to invest without giving up too much. 

internet bank account creation malaysia

How much is it going to cost?

One of the most common questions that come up when people are planning to start a personal internet bank account is “How much is it going to cost?” The answer? It depends on how you want to set up your account. To set up an online bank account, most people can expect to spend between $75 and $150 for the initial setup fee, but these costs will vary depending on how much you would like to deposit and how often you plan on using your account.

What are my options for setting up an internet bank account?

There are several options for setting up a personal internet bank account. The best option for your needs may depend on how you want to access your spending and deposits. One option is getting a debit card with a bank’s logo on it and opening an account. Another option is to create an online bank account if you’re looking for more anonymity or if you feel safer opening accounts at different banks in person. You can also sign-up for services like Mint, which will help you keep track of your spending habits, money transfers, and balances across multiple accounts. There are two different options for setting up a personal internet bank account. The first option is to use an online banking service that specializes in internet banking, like Bank of America, JPMorgan Chase and Wells Fargo. This type of company has already been making money online since the mid-1990s so they have more experience than your average internet bank. The second option is to set up your own internet bank account creation malaysia such as Personal Capital. There are some benefits to setting up your own online bank but it also requires more time and effort than using a top-tier service like one of the banks previously mentioned.

internet bank account creation malaysia

What does the process look like when setting up a bank account online?

Setting up your bank account online may be difficult and time-consuming, but it’s worth the work. Making mistakes when you’re new to personal finance is common, so use this guide to find out everything you need to know. You can set up a personal internet bank account in about three minutes. With the template and instructions provided, you’ll be able to set up your account and start using it as soon as possible. To avoid any hassles, take a couple of minutes to read through the guide below.

What are the benefits of using an internet bank account?

Not all banks are created equal and not all personal internet bank accounts are created equally. That’s why we developed a list of benefits that come with using Wall Street Bankers’ Personal Internet Bank Account service. Internet banking accounts offer many benefits to their users. These accounts are safer, easier to use, and more secure than traditional bank accounts from brick-and-mortar banks. A personal internet bank account allows you to perform day-to-day tasks such as paying bills and withdrawing cash with the convenience of a digital wallet. It’s also significantly cheaper than the average retail bank account.

internet bank account creation malaysia

Sodium Naphthalene Sulphonate malaysia chemical

You have to settle for the right chemical supplier.

Without chemical suppliers, the economy could not work. Individuals and companies require cleaning solutions, while nearly every production activity is dependent on chemicals. In the production chain at least somewhere. Even firms that are not involved in the chemical sector depend on plastics or other chemicals. The food we consume also includes food molecules that are healthy. Chemicals are also used in a large-scale water treatment procedure. During the last century the need has steadily stimulated expansion in the sector, thus many chemical suppliers may opt for every business.

It is difficult to locate the correct one with so many alternatives, but several factors may be checked to make your selection simpler.


Some chemical suppliers are significantly bigger than others. Moreover, when picking one for your business, its size might be important. If all your chemicals are obtained from one supplier, your logistics will be significantly easier. This is how any provider that cannot satisfy your demands alone may normally be excluded. If you don’t require so many products that no firm can supply them all.

You should ideally choose a chemical provider that can generate substantially more chemical substances than you need. This ensures that you have an option to develop your business thereafter to raise the size of your orders. It also lowers the possibility that a sudden occurrence at a refinery provider would be delayed or that one of your orders could become undesirable.


Cost is still a significant element, however it is not the only one to be taken account of. Since the quality of pure chemicals does not change, the price of chemicals in all providers is largely stable. We assume that the operating expenses are identical.

Sodium Naphthalene Sulphonate  malaysia chemical
Sodium Naphthalene Sulphonate malaysia

The delivery cost is a completely different thing. Most chemicals cannot be shipped safely, if you seek a safe supplier for chemicals such as Sodium Naphthalene Sulphonate in Malaysia, you should, then visit 3D resources. This implies that for chemicals, transportation costs are often greater than for most other items. After delivering the product and the distance to travel, the product will decide the exact costs.

Nevertheless, it is generally certain that a nearby provider of industrial chemicals will be considerably cheaper than a farthest distant source. Sometimes there are exceptions, generally chemicals from low labor-cost sites, but they are a solid thumb rule.

Expertise in Chemical Sector

Try to identify a provider working with your industry on a regular basis. This ensures you have familiarity with the kind of substances you require. The experience will allow them to provide valuable suggestions if you find it difficult to choose the correct ones. It improves the probability that the new advancements affecting your sector will continue to be up-to-date. It can assist you receive the latest chemicals faster than your competitors.