RHB Bank Preparing to Take control of the National Financial Industry

Up to date, RHB Bank is regarded as the main players in Malaysian finance and banking niche. Expecting to grow the horizon within South East Asia region, they’ve laid their foundation in countries which includes Brunei, Hong Kong, Indonesia, Laos, and Singapore. In making certain that the organization is scalable, RHB came out with a number of banking services to corporations and individuals for both personal and commercial needs.

RHB Bank’s Products and Services: Credit Cards and More

Offline & Online Banking

Individuals and companies are free to create their savings and current account with RHB Bank conveniently and acquire a very competitive interest rate as they transfer money into their bank account. When they wish to make any transactions online, they could easily make use of the online banking services, RHB Now. For offline transactions, they could access the ATM & CDM machines and also any MEPS ATM conveniently for withdrawal.

Credit Card

RHB Bank has been monitoring the trend change in terms of purchase from using cash to the cashless method and noticed that it led to a greater interest in credit cards. Based on the information and facts collected across the globe and nationwide, more people seem to prefer buying online using credit card everyday. Hence, RHB made the suitable move by making it very simple for customers to apply credit card online and take advantage of a low-interest rate.

RHB Bank knows that it is critical to minimize the visible difference between demand and supply. That’s why they also have formulated a unique credit card scheme that provides value that includes cash back rewards that grow larger just as more transactions are being made by cardholders over time.

apply credit card online

Personal Loan

Despite that, RHB Bank realizes the undeniable fact that providing credit cards and savings accounts are not enough. Presently, acquiring assets like cars and properties will require the majority to apply for a decent loan scheme. Thus, RHB has reformulated their loan structure in order to provide the lowest interest rate as is practicable for various types of loans. Plus, insurance services, unit trust, and even financial investment may also be made.

Business

For entrepreneurs and enterprises, they’ll be able to connect with RHB Bank for corporate banking facilities. Businesses may submit an application for business loans if they are interested, plus they can likewise engage in some other sort of corporate banking facilities. As some businesses requested, RHB Bank also provides online cash management services.

SMEs

It is clear that small-medium enterprises are amongst the customers that may possibly enjoy the most advantage, in particular when it’s possible for them to make loan applications should extra cash is necessary to scale the business. Additionally, retails solutions are likewise available to SMEs who would need it.

Islamic

Notwithstanding this, attention on the highly demanded Islamic banking facilities has never been an oversight. RHB Bank understands that there’s a large number of requests from the customers to create Syariah-compliant financial instruments. As a result of that, they’ve already set up wealth management, corporate banking, Islamic treasury, unit trust, and numerous kinds of other offerings that adheres to the Syariah guideline to the public.

In 2016, RHB Bank experienced a 24% annual brand value growth, which makes them amongst the top five players in Malaysia. Knowing the full potential of the long-term financial market, RHB Bank is ready with a lot more aggressive strategies in ensuring a consistent increase of growth across the next several years. Get more information at https://www.rhbgroup.com/

Kid Formula & Nutrition Products by Abbott Nutrition

Nutrition is vital to our own health, particularly our infant years where it makes a significant result on our growth and development. It will be significant to consume just the right nutrients to provide us an excellent maturation process. Among the established and recommended brands that pack many of the right nutrition for any growing child is Abbott Nutrition. In this article will explore some great benefits of several Abbott brands and also just how they support a child’s needs.

A Closer Look At Abbott Nutrition’s Child Nutrition Products

Pediasure

Pediasure is the perfect formula to give your boy or girl the actual extra nutrition he or she needs. Several children are picky eaters and just aren’t getting the majority of the daily nutrient themselves requires. Pediasure assists to reach their daily needs of carbohydrates, minerals and proteins to enhance their disease fighting capability and support their development and growth!

Pediasure contains 50% more calories and is also abundant with magnesium, zinc, copper, selenium, chromium, Biotin and Vitamin A and B12, that happen to be good to not just for the physical continuing growth of your children, but will also their mental development. The appropriate mix of nutrition for your children is only going to enhance their health.

Similac

This formula milk is manufactured specifically to enhance children’s learning abilities. It is actually packed with DHA, lutein, ARA, choline, natural vitamin E, and a few other key nutrients that could be essential to enable more brain cell connections. The formula is highly made for kids between One to ten years old.

Getting enough nutrition is one of the pregnancy diet tips. Similac is not only just a product range created for children’s consumption. In order to enhance their mental growth within the very early stage, Similac Mom is manufactured to always be taken by mothers. It will aid them to provide all the nutrition the fetus needs while pregnant, and it can certainly also aid to supply nutrients during breastfeeding.

pregnancy diet tips

 

Ensure

Ensure is mostly a formulation focused on frail and aging adults. Individuals that have a low level of energy may benefit the most from Ensure. Ensure provides you with the identical degree of calories as per Pediasure. However, an adult’s nutritional needs are substantially unlike the ones from a kid’s. The formula is tweaked as a result it contains more Vitamin A and Vitamin B12. Moreover, there are additional chromium, niacin, and selenium.

On a separate note, it is important to recognize that Ensure must not be provided for children. This is exactly primarily because the proportion of vitamins inside this milk formulation is manufactured for adults. On the other hand, Ensure will be the right product for tube feeding for those battling consuming solid food.

In conclusion, Abbott Nutrition is a brand name that provides lots of nutritional capabilities that’s required which might help develop babies, kids, and adults with regards to their physical and mental growth. Pediasure aims to meet up with any nutritional gaps for the kids aged between 1-10 who are generally fussy with regards to their eating, Similac provides special nutrients growing a baby’s cognitive skills and Ensure concentrates on the older audience to folks who are struggling with nutrition deficiency. To have a very good nutritional diet, think Abbott Nutrition. Visit the website now https://abbottnutrition.com.my/pregnant-mom/tips-staying-healthy-safe-during-pregnancy

6 Unique Features of Vivo V5

Vivo V5 is the first device to boast a 20MP selfie camera. If you are into selfies, the Vivo 5 will be your purchase of the year. Here are six unique features of the Vivo V5:

 

Camera

The Vivo V5 brings out the best selfies. It has the moonlight glow feature which helps to add brightness to the photos you take without damaging the balance of the images. The front camera is at a 20MP with the Sony IMX376 sensor, designed to deliver super detailed selfies, while the rear camera comes at a 13MP.

 

The Vivo V5 also produces excellent quality video, at 1080px. This is a perfect phone for photography, with some additional special features and different shooting modes such as HDR and Panorama.

 

Processor

Vivo V5 comes with a 64bit Octa-core MediaTek MT6570 chipset including a powerful processor running at 1.8GHz, which gives an edge over the rest of the smartphones in this range. The Vivo V5 comes with the Marshmallow version of Android OS v6.0, which is topped with the Vivo’s Fun Touch 6.0.

 

Battery life

The Vivo V5 has a whopping 3,000 mAh non-removable battery. It is decent enough for all your apps usage. Unless you want to install battery consuming online games, the battery life of the device is enough to last a day, including the use of calls and the internet.

 

Vivo V5 ranks better than most of the devices in this range, making it one of the outstanding features of the Vivo V5.

vivo v5

Expandable Storage

One of the unique features of the Vivo V5 is the expandable storage, which brings convenience to many people who retain their devices for a long time, and for people who are into phone photography.

 

The storage memory is expandable up to 128GB via a micro SD card. So if you need a bigger storage space for your phone, then the Vivo V5 would solve your problem.

 

Screen

Vivo V5 comes with a 5.5-inch high-quality LCD capacitive touchscreen with more than 16 million colours. Besides that, the display is covered with a 2.5D-curved Gorilla Glass.

 

Color Variants

The other outstanding highlight of the Vivo V5 is its attractive color variants to select – crown gold and space grey. If you love to flaunt your device, crown gold is for you, while space grey is for people who like things classy yet simple.

 

Conclusion

The Vivo V5 is a smartphone that you wouldn’t go wrong with. Get yours now at http://www.vivo.com/my/products/v5!

Psoriasis: Things To Know

Despite affecting more than 2 per cent of the entire world population, Psoriasis gets little or no coverage which leads to a whole lot of misconception. For that reason, the real question is, what exactly is psoriasis? Basically, it is simply an autoimmune illness that causes hyperinnervation of skin cells that produces skin patches to develop.

The Struggle Of Psoriasis Medical patients

Plaque psoriasis is the most common form of psoriasis and it makes up for 90% of all the occasions recorded. Plaque psoriasis is diagnosed in the existence of red patches covered in the build-up of dead skin that’s normally white in colour. Medical patients would normally feel itchy skin and pain across the affected regions.

The guttate psoriasis is an additional kind of psoriasis characterised by small, drop-shaped sores on your chest, arms, legs along with scalp. Most likely, guttate psoriasis will appear reduced completely on its own in just a couple of weeks. However, a lot of people will continue to develop plaque psoriasis. This ailment is definitely more commonly associated with children and teenagers.

Having psoriasis is usually a strain on personal human relationships every day. It’s possible you’ll become disheartened from wanting to go on dates if you feel very mindful of your physical appearance, while genital psoriasis could have a massive influence over your sexual performance and need to be intimate.

Oftentimes, people can confuse the two illnesses of eczema and psoriasis. Thanks to a biopsy, it can benefit to make a distinction between since the symptoms seem rather very much the same. Psoriasis will look like thick, red and scaly skin while eczema will appear within the crooks of your knees and elbows the place that the itching is much more extreme.

You will find a great number of psoriasis treatment plans to go for. For moderate conditions that concern only small areas of one’s body, skin applied treatments like creams, lotions and sprays tend to be ample. For moderate to severe psoriasis, this might involve systemic treatments for example pills or injections.

Sometimes, diseases are often contagious. However, with psoriasis, your skin ailment can’t be transmitted to other people. It doesn’t matter what oftentimes someone is touched directly by somebody who has psoriasis, they’ll never catch the sickness. It’s not at all practically possible to pass psoriasis to the area of the body of anyone else.

Research from NPF

A study from the National Psoriasis Foundation reported that 35 per cent of respondents reduced their dating time and intimate interactions because of the shame over having psoriasis. Other worries include self-consciousness and having to confess to their family about possessing the skin disease.

itchy skin | Mypsoriasis

You will find evidence which proves there’s a deficiency of public understanding with regard to the disease that in turn means numerous sufferers opting to separate themselves from other folks. Rather than suffering in silence, we will have to open dialogue in order that sufferers might be motivated to speak and get rid of their fears and make a change to see a physician. Get more details and more knowledge on this by visiting the page at mypsoriasis.my/treatment-goals-for-psoriasis-skin-rash?Area=Blog

Introducing Lafarge ProSolutions

Malaysia is known as the developing nation to rapid economic development. In Malaysia, building construction sector is regarded as the main sectors of the national economy and it’s estimated to contribute 5.5% for GDP in 2020. Lafarge ProSolutions has been a really important motivator to the construction sector.

Solutions and Products offered by Lafarge ProSolutions

Lafarge ProSolutions has been a significant player in building material industry. They have worked on several famous mega projects in Malaysia, among them KL Towers, Penang Bridge, Rapid LRT line, and KLIA. Their solutions are suitable for individual use and professional use. Discover today to hold a better knowledge of them.

Special Project Team

Cement

Well-known because of its cement products, Lafarge ProSolutions caters the unique needs of companies and personal featuring its lot of cement products which can be found in bulk and bag. With 3 integrated cement plants and two grinding stations throughout Peninsular Malaysia, it aims to produce high-quality cement products to its clients.

QuickMix

QuickMix by Lafarge ProSolutions is yet another quality product for individual and industry purpose. QuickMix is not difficult to utilize and then have high bonding strength. You needn’t fret about cracking issue as QuickMix is high durability and good weather resistance. Additionally, it is easier to be handled simply because it is offered in bag packaging.

Concrete

Concrete is one of the widely used building material in the world and it’s used for the construction of buildings, bridges, and megastructures like pavements. Lafarge ProSolutions provides different types of concrete products to meet up with the growing demand with the construction industry.

Special Project Team

Executing a mega project is truly a real pain, therefore Lafarge ProSolutions created this Special Project Team. Filled with a group of experienced professionals, the Special Project Team helps businesses run their projects by providing consultancy, design, project management, engineering, contracting and asset management help.

Logistics

Lafarge ProSolutions offers logistics services like logistics operation center, GPS tracking, delivery mobile application, delivery monitoring service, and silo level monitoring system. They handle a nationwide network of facilities for the efficient distribution of products and then ensure uninterrupted products supply.

Functioning Labs

The Lafarge Innovation Hub has four functioning labs through giving national and international quality standards. The 4 labs will be the cement lab, concrete and aggregate lab, soil lab, and a mobile lab. Different labs offer different tests and activities. The Innovation Hub has also an open area for testing.

Conclusion

Regardless of you require building materials for individual use or professional use, Lafarge ProSolutions will always obtain the right material for your requirements. If you like to understand more about Lafarge ProSolutions, kindly visit the website. You won’t be regret by selecting Lafarge ProSolutions, it truly is a professional choice. Get more information now at https://lafargeprosolutions.com/services/special-project-teams/

Reasons A Bank Rejected Your SME Loan Application

When you’re a small business owner, there’s nothing more discouraging than a bank declining your application for an SME loan. You need the funds to start or keep your business going, but now all hope is gone.

Before you give up completely, you should know that it’s not uncommon to get rejected by banks, even for successful business owners. Rather than beating yourself up, figure out why your SME loan application got denied in the first place.

Check out the few reasons why your application wasn’t successful:

Too young in the market

Some banks may not approve your SME loan application if your business is relatively new. This is because you don’t have much of a business credit history, thus disqualifying you business for a small business loan.

However, that doesn’t mean you can apply for a loan if your business is new. You just need to find the right lender. Some lenders are more lenient and approve SME loan applications even if you don’t have enough time in business.

It is recommended to have at least three months worth of business credit history or look for a party willing to loan you money.

sme loan rhb

Low credit score

Your credit score covers your business’ revenue, assets, liabilities and profits. Since the finances and credit scores are closely linked, it can be a reason why banks reject loan applications business with low scores.

The logic is if you can’t maintain your credit score, what you think that you are reliable enough to pay back an SME loan?

If lenders reject your application because you have a low credit score, don’t be deterred. You can still improve your credit score by paying bills on time or keeping balances low on credit cards.

Poor cash flow

If you’re struggling to cover your business expenses, don’t be surprised if banks refuse to approve your SME loan application.

A business can’t survive without a stable cash flow. Poor cash management skills may result in reduced cash flow, which also leads to business failure.

Keep track of your cash flow and don’t drag out invoices. There are also many accounting programs that help you monitor the cash flow.

Conclusion

Whatever reason your SME loan got rejected, it’s not too late to correct your errors. Understanding your problems is the first step to get your application approved.

Interested in applying for an SME loan? Visit https://www.rhbgroup.com/products-and-services/business/business-banking/sme-banking.

Understanding Auto Insurance in Malaysia

What is Auto Insurance?

Auto insurance is designed to protect drivers financially against the risk of being involved in a car accident and having to pay a massive amount of money over the physical damage and vehicle repair costs.

 

There are three types of car insurance available:

  1. Third-party cover

Third-party coverage is the most basic policy that any vehicle would require to be able to drive legally on the road. In the insurance world, the “first party” is the driver, the “second party” is the auto insurance company and the “third party” is everyone else.

 

This insurance only covers the third party but not you and your vehicle. It insures you any injuries or deaths caused to the third party, as well as loss or damage to the third party property caused by your car.

 

Since this coverage only insures the third party, therefore it’s the cheapest one among the other three types of insurance plan.

auto insurance

  1. Third-party, fire and theft cover

A third-party, fire and theft policy is similar to the third-party coverage. It does not only includes you against claims from third parties from injury, death, and loss or damage to their vehicle, but it also insures if your vehicle is damaged in a fire or stolen.

 

This insurance policy is pricier than the Third-Party coverage but more affordable than a Comprehensive coverage.

 

  1. Comprehensive cover

A Comprehensive auto insurance policy covers all of the above and more. With this coverage, you get to enjoy the same coverage as in a Third-party, fire and theft policy, but with the added coverage of damages to the first party.

 

This policy is the most popular in the market especially if you own a relatively expensive car, or for any drivers who would want to insure their vehicle against any unforeseeable events fully.

Conclusion

With auto insurance, you’ll feel more secure while driving your vehicle, knowing that you and vehicle are protected from the financial catastrophe that could result anytime from any accidents.

 

On top of that, you’re able to enjoy cheaper auto insurance premium each year if you don’t claim from the insurance company based on the No Claim Discount (NCD) system. Visit https://www.aig.my/personal/auto-insurance now to learn more about AIG auto insurance!

 

Learn What AIG Malaysia’s New Insurance Offering to Malaysia

AIG Malaysia has long been actively serving the nation with comprehensive insurance & risk management solutions based upon their individual & business needs since 1953. Presently, there is a large labour force comprising of eager brokers and agents operating in as a minimum 15 offices nationwide employing the main objective to serve clients up to the maximum standard of care.

AIG Malaysia: 360° Insurance Protection Plan

AIG knows that insurance and risk management plan is really essential to protect customers from the unforeseeable future. Therefore, they have offered unique variations of insurance packages that can be benefited by both corporations and people.

Having a property registered under one’s name is generally terrifying without insurance policy cover, mainly because it could cause an enormous loss the moment unwanted happens. Hence, the Malaysian government makes it obligatory to buying insurance whenever individuals get a car or even house. From the insurer’s side like AIG, they actually do their portion by ensuring the clients are fully covered from many kinds of risks which may be commonly associated with cars and homes. Get your new insurance or renew your car insurance online and husle-free with AIG. Visit at www.aig.my/personal/auto-insurance and renew is so easy!

car insurance Malaysia | AIG car insurance

Nonetheless, the most precious thing somebody might have is their own health and well being. Whilst it used to develop into a challenge for insurers like AIG to educate the community at large relating to the importance to purchase medical insurance, it has now seen a consistent escalation in numbers of purchases made on account of the time and effort they’ve already created to create awareness.

International buying and selling and lowest transportation cost have recently made regular travel for business and leisure lower priced. Because of that, the demand for travel insurance has increased substantially, which contributed to the offering by AIG in satisfying their customer’s needs to get a comprehensive insurance protection.

Insurance for Enterprise

For enterprises, a high-level risk management solutions are offered. From property insurance to liability insurance, marine insurance, aerospace insurance, not to mention engineering related insurance; enterprises can subscribe a versatile yet all-encompassing plan that serves their risk management needs.

There’s no doubt that this wide range of plan will be able to serve clients from all kinds of sectors, along with the lines of manufacturing, education, financial, transportation, aviation, and much more. In expressing their receptiveness for the difference in market trend along with a rapidly increasing amount of variety of startups, AIG has created an SME package that will help entrepreneurs protect their business when they grow.

Hence, companies and individuals who will be interested to subscribe to any kind of insurance coverage from AIG can certainly obtain a quote through their site. In addition, customers may be able to browse through the group of authorized agents within their residing place to acquire a more personal service.

AIG Malaysia is definitely attentive to the shifting trend of purchase that focuses much more on e-commerce. With that in mind, they also have recently worked alongside Lazada Malaysia for making insurance purchase accessible in the e-commerce platform. Upon purchase and after completing several quick steps in registration, customers could possibly have their insurance policies activated within just Three days.

Ideas to Acquire the Smartphone Worth Buying

Smartphones are simply vital for us, as we make use of them everyday to connect with the world. However, as it’s common for technology to get outdated eventually (which is a superb sign of advancement), we’ll really need to keep the trend to have enjoyment from the most out of it. So, how do we spot the proper smartphone to buy?

 

Operating Platform

The operating system of a phone plays a quite essential role, as it reflects the sort of interface you will be using everyday. Choosing iOS is self-explanatory. However, in case you buy Android, then there is numerous brands to look at: Vivo, Google, Huawei, and much more that makes some of the top Android phones in the market.

 

Vivo V5s | Vivo Malaysia

 

Screen Size

Picking the right screen size matters. Not just that they determine the level of experience you will enjoy when playing games and watching videos, but bigger screen also means even bigger phones. While large screens may seem to possess most of the good stuff, it’d continue to be annoying when you can’t fit them in the pocket as you go along.

 

Display Quality

Another primary feature of a smartphone will be the display screen quality. Do not just concentrate on resolution. A 4K screen sounds great, but is very unnecessary on the smartphone. Way lower resolutions are fine since the majority of people can’t observe the contrast between 1080p and 2K resolution on smartphones, not mentioning 4K. What’s more crucial will be to look at the colour quality and also the brightness of the display, because it really influences the consumer experience.

 

Camera Performance

The first rule about camera performance is always to ignore the megapixels. Instead, you should be aware of other specifications for example, the aperture as well as other special features. Some phones, like Vivo, offers the best smartphone camera with dual lens that should create stunning images. Check out the Vivo V5s. These are the basic types of features you want to help you get a wonderful selfie. 

 

Storage Capacity

A good smartphone really should have no less than 32GB of internal space for storing. If you take pictures using your smartphone frequently, your phone storage is going to get full almost immediately. If you like top quality pictures and download videos online, you will use up all your storage in about A couple of weeks. If you use iPhone, you can’t extend your storage capacity using external memory cards. If you are using Android phones, it is possible to usually add memory cards, based on the model of the smartphone.

 

 

Battery Capacity

Well, regardless of how powerful your smartphone is, they mean nothing in the event it only lasts an hour or so per charge. Everyone believes that being required to carry a powerbank constantly is certainly annoying. Therefore, the very next time you’ll get a phone, try to look for those with more than 3,000 mAh, and you’ll be fine.

 

Extra Features

A few of the times, possibly you have a specific need concerning picking out a smartphone. To illustrate, buttonless surface, waterproof design, fingerprint scanning like the Vivo V5s together with dual sight mode are usually fun and useful to have when you need them.

 

When considering searching for a smartphone which will not burn a hole in the bank, why not choose our underrated cheap smartphones that certainly holds its weight within the smartphone industry. With the own innovative technology at prices you can’t beat, the leading players of Samsung and Apple is going to have to be cautious of who could hanging onto their coattails. .

Digi Malaysia: Internet data Plan & More

The internet of things has long been the driver of today’s economy. Now, the development of telecoms made the planet a virtually smaller place. Due to this, you need a reliable mobile phone network provider who are able to deliver based on your needs. Even so the real question is, who seems to be a very good provider you can trust in?

In Malaysia, you can find a dominant telecommunication mobile phone network provider that consistently offers great plans that’s Digi. Be it an internet or mobiles plan or the Samsung Note 9, Digi has the cheapest deals from which to select, where many types of consumers as an example students, professionals, and in addition companies can benefit from.

 

Prepaid Plans

Digi is among the finest providers you can find in Malaysia. With lots of different varieties of mobile prepaid plans to select, Digi promises great value in the form of unlimited internet, free calls, plus much more. Since it’s only a prepaid plan, just go ahead and get a brand new SIM card to give it a go.

 

Postpaid Plans

Besides, there’s also a selection of postpaid plans in case you love to making payment on the monthly basis in contrast to required to top-up the their mobile prepaid often. Yes, postpaid plans used to be expensive, but that is history. At as low as RM50, you can obtain your own Digi postpaid plan already!

 

iPhones

Nonetheless the perfect plan could only be enjoyed when your have an excellent smartphone to match. With Digi, you can also decide to buy smartphones such as iPhone 8 and get a low price. You may as well select the Easy Payment Plan to complement your package for no deposit, however this relies upon eligibility.

 

Android Phones

But that’s not everything, as Digi knows well that most its customers are also into other Android brands, especially Samsung having its S8 and Samsung Note 9. Plus, Vivo, Oppo and Huawei are also offered. Additionally interesting, you are able to get certain smartphones at absolutely no cost, for instance the Oppo F5, Vivo V5S & even more!

 

Best Internet Plan

Still, it’s unarguable that today, we rely more on the internet to get in touch, and less to make calls and send sms. Comprehending this, Digi has ensured that every one its plans provide the best internet plan to get currently, whether for just a postpaid, prepaid, or perhaps broadband internet package.

 

Samsung Note 9

 

International Roaming & IDD

Nevertheless, many folks have a very special need to stay in contact with agencies or families abroad. This is where Digi’s roaming and IDD plan enters the picture. For international calls, Digi affords the lowest IDD rate to Thirty six nations. Before you enjoy that, dial 133 with your Digi SIM card.

 

 

Quite simply, truly the only reason we like Digi a lot is they always shoot for offer a better service to the customers. Along with a more stable connection better coverage for even rural areas, Digi is scheduled to head the telecom field using a higher benchmark for competitors to keep pace with.