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Wednesday, January 13, 2021

January 13, 2021

Stay Home, Stay Safe, Stay Calm and Shop for all your needs at LamboPlace without paying the shipping fee




LamboPlace is where you can get things you need to keep your BEST lifestyle at an unbeatable value. We enrich your life and taste through our unique curated products, enhance customer lifestyles and get addicted with style at one-stop shop 24/7!

Tip: Use code “NEWTRY” for RM21 off on your first purchase Free Shipping delivery 📦!Just Use code: MOOMOO

Visit https://www.lamboplace.com/











Tip: Use code “NEWTRY” for RM21 off on your first purchase

Visit https://www.lamboplace.com/

Friday, January 8, 2021

January 08, 2021

Cosmetic and beauty products up to 70% discount from 5-31 Jan 2021



Best Buy World is an online-based online marketplace specializing in cosmetic and beauty products from famous and established brands across the globe that provides a secure and convenient eCommerce environment who love shopping and hunting for bargains online, delivering authentic premium beauty brands and HSA-approved cosmetic products to happy customers at the most competitive prices.


Established in 2009, we currently carry over 80 brands and more than 4000 products from SK-II, Lancome, Estee Lauder, Christian Dior, Kose, Laneige, Clinique to cater to more than 140K shoppers to choose from. We are strategically located in 4 regional offices in Malaysia, Philippines, Hong Kong & Thailand to ensure maximum exposure and logistic coverage in the Asia Pacific.


Best Seller of The Year 
Discount Up to 70%
Sale from 5 - 31 Jan

Buy now at official website my.bestbuy-world.com








Thursday, January 7, 2021

January 07, 2021

Compare the personal loans with lowest interest rates in Malaysia and get the lowest monthly repayment

                   


How does personal loan work?

Put simply, a personal loan is a sum of money with interest lent by the bank to a borrower for a fixed period. The loan must be paid back in fixed amount installments, every month until the end of tenure.

It is quite straightforward until you come across some terms and jargons that you are not familiar with. Don’t worry, here are some commonly used terms to describe personal loans:

Compare Malaysia Bank Interest Rates for Bank Loans


TermsDescriptions

Per annum (p.a.)

The interest rate will be charged on a per-year basis. If a RM10,000 loan is at 5% p.a. interest, the interest charge is RM500 per year. 


Now, if the repayment tenure is stretched to 3 years, the interest will become RM1,500 (RM500 per year x 3 years).

Principal

The amount of loan you applied for. The interest rate will be calculated based on this amount and added on top of it. Going with the example above:

Principal + Interest = Total Borrowing Amount

RM10,000 + 5% p.a. =RM10,500

Interest rate

Interest rate is charged on the loan amount by the bank to the borrowers for using its money. 


It’s the same concept as deposit; you put money in a savings or current account, the bank will pay you interest or profit for using your money.

Tenure

The loan repayment period. Choosing the right tenure is important for your personal finances.


Shorter loan period comes with higher monthly installment amount, whereas longer loan period comes with higher interest rate.

Period

Shorter

(1-3 years)

Longer 

(4-10 years)

Interest Charge

Low


RM10,000 x 5% x 1 year 

=RM500

High


RM10,000 x 5% x 10 years 

=RM5,000

Monthly Installment

High


RM10,500 ÷ 1 year 

=RM875 per month

Low


RM15,000 ÷ 10 years 

=RM125 per month

Installment

You need to pay back your personal loan every month until the end of tenure. 


Installment amount is fixed, which is calculated on the total borrowing amount then is divided by the total numbers of months.

Penalty

This is a fee a bank will charge on your overdue amount for being late on your repayment.

Default

The term to describe an event of non-payment of a personal loan for over 3 months.


In this situation, the bank will usually impose a higher finance charge and/or take a legal action against you.


Under this circumstance, you will face difficulty in securing any loans in the future as a result of poor credit score.


In fact, your repayment history will stay in CCRIS database for up to 12 months.

Article source: RinggitPlus Malaysia

January 07, 2021

WonderKlean Standard Disinfection Package (Subscription) From RM60/month




In response to the COVID-19 pandemic, WonderKlean was established in April 2020 as a subsidiary of CUCKOO HEALTHY HOME to curb the spread of the virus and ensure a clean and virus-free home for all Malaysians.

Klean is an abbreviation of the words knowledge and clean. At WonderKlean, we promise exceptional cleaning services made possible with the help of our extensive research and international partners.

We have made it our mission to further improve lives by providing quality cleaning services that meet the standards that millions of families around the world expect of a global healthy home brand.

WonderKlean Standard Disinfection Package (Subscription) From RM60/month

-->Visit WonderKlean Official Website


Wednesday, January 6, 2021

January 06, 2021

Compare The Best Motorcycle & Car Insurance in Malaysia & Renew Road Tax Online


Compare and get the best coverage for your motorcycle & Car from various insurance provider 
at an affordable price! Customise your add-on coverages for more protection. 

Get your motorcycle & Car insurance and road tax delivery to your doorstep all in one place!





These are the types of car insurance available in Malaysia:

  • Third Party

Third Party Coverage only is the cheapest and most basic insurance as it provides very minimal coverage in the event of an accident such as injuries, deaths or damages to the car. This insurance coverage will not protect you but instead, it will only protect the third party involved in the accident. You will not be able to claim for any damages made to your car, but you can claim for any compensation needed to be made to the third party.

  • Third Party, Fire and Theft

Like the Third Party Coverage, it covers any claims made against you by a third party in the event of an accident which cause bodily injuries, death, property loss or damage caused by your vehicle. Besides that, this insurance policy provides extra coverage on any damages made from a fire or theft of your vehicle.

  • Comprehensive Car Insurance

A Comprehensive Car Insurance has a wider protection coverage compared to the other packages. It has all the coverage in the Third Party, Fire and Theft Coverage but instead of covering only the third party, this insurance covers your vehicle too. You will be protected for any damages or loss caused to your vehicle which covers more than just fire and theft. However, not every car is applicable to this insurance as it depends on the car age.

Bear in mind that all the packages available does not provide protection for any injury or death that has occured to you (the driver or passenger of the policyholder).

Credit to Loanstreet


Wednesday, December 23, 2020