The Future Of Mobile Wallets

What’s in your wallet? Most of us would have some sort of payment method in it, for example, cash, credit/debit card and other nick-knacks such as ID card, loyalty cards, business cards, receipts, insurance cards, and the list goes on.

When we talk about mobile wallet, it’s not just a way to pay with a device, it is encompassing that actual wallet you possess with all of its contents and associated activities; integrating it into a type of digital device that empowers you to process what needs to be done without using your physical wallet.

Most often than not, that device is a mobile phone although it doesn’t necessary need to be. But as you know, the phone has already started to replace the wallet – you keep digital family pictures, perform online banking and transactions – your behaviour as a consumer and the phone is what forms the new digital mobile wallet.

Let’s take a look at mobile wallets through the eyes of the consumer, how they fit into their everyday lives and what we can expect to see in the near future.

8 Novel Melayu Berkualiti Mesti Di Baca

Tidak banyak novel melayu terbitan baru yang menyamai semangat novel melayu yang ditulis oleh sasterawan dan enthusiasts bangsa dan bahasa.

Kebanyakkan novel melayu tidak lagi diterbitkan setelah habis cetakan. Institut seperti DBP dan ITBM mempunyai sebilangan besar jumlah novel-novel ini, tetapi tidak ramai yang mengetahui kewujudan novel melayu berkualiti ini . Tidak dilupakan, penerbit indie seperti Dubokpress juga ada menerbitkan novel melayu berkualiti tinggi, selain buku bukan-fiksyen yang banyak menyentuh isu kemasyarakatan dan kritis sosial. 

Listopia 100 Novel Melayu Yang Mesti Di Baca, adalah permulaan yang baik untuk mencari semula karya karya emas ini. Kombinasi penulis lama dan baru, mereka sama sama merancakkan lagi dunia novel melayu berkualiti yang pernah kita nikmati dulu.

7 Signs You Are Heading For Bankruptcy

Identifying the warning signs of an impending personal financial crisis is extremely important. Sometimes these signs may be the only thing keeping you from bankruptcy.

You may be headed into a serious debt problem if you’re seeing one or more of these signs:

1. Maxing out on your credit cards or charging more than you can pay off each month

The Malaysian Department of Insolvency stated that credit card debt made up 5% of all bankruptcy cases in Malaysia between 2005 and 2012. You can see other causes here.

It is important to ensure that you use credit cards prudently. The general rule of thumb is to use no more than 30% to 40% of your credit limit at any one time. This gives you flexibility in case of job loss, illness, divorce, or other threats to your income.

Smoking vs Vaping : How Much Is It Really Costing You

The recent price hike for cigarettes have caused an uproar among the smokers in Malaysia with some brands going up as high as RM18 per box. On the other hand, a recent crackdown on vape juices (e-liquids) with nicotine by the Health Ministry has also caused outrage amongst vape store owners who have had their stocks confiscated by Health Ministry officers.

It was reported that in Selangor alone, over 300 vape stores were raided in the beginning of November. Under the Poisons Act 1952, the sale of nicotine can only be undertaken by licensed pharmacists and registered medical practitioners, and is prohibited by other parties. Similarly, under the existing legislation, the sale of e-liquids with nicotine can also only be supplied by registered medical practitioners and licensed pharmacists. However, pharmacists are saying they are not keen on selling vape juices. There have also been calls for vape to be regulated as well as for it to be taxed. The government has announced that it will set up a special committee to look into vaping. It is also interesting to note that the vape industry in Malaysia is worth half a billion ringgit and is the second largest in the world after the American market.

What Is Zakat?

Earlier this month, the chief of Federal Territories Zakat Council stated that it is sinful to pay zakat directly to the poor instead of handing it to Zakat collection centers. Subsequently, it was also reported that distrust was amongst the reasons some Muslim’s choose not to contribute to the Zakat collection centers.

In an effort to shed some light on the Zakat issue, we talked to Employer Collection Sector Manager from Lembaga Zakat Selangor (LZS), Encik Wira Mustafa to understand what it entails, why it’s not encouraged to pay Zakat directly to the poor and to find out how the funds are used.

What is Zakat?

Encik Wira: Zakat is the third pillar of Islam and is wajib (compulsory) on Muslim’s who meet all the conditions. The word Zakat itself means to purify. Technically Zakat means a fixed proportion collected from a specific type of mal (wealth) when they reach the haul (specific term) which must be distributed to specific categories of people. Giving Zakat means Muslim’s are purifying their wealth by giving a part of it to the needy as well as to gain Allah’s blessing on their wealth. It teaches us to sacrifice a part of our wealth, to cleanse our wealth by means of Zakat.

Top 10 New Year’s Resolutions You Waste Money On

2016 is off to a great start and many resolutions have been made. Making a change in your life by setting goals is all fine and dandy; but beware the resolutions that you make – they just might wreak havoc on your personal finances.

Here’s a list of the top 10 New Year’s resolutions that can turn out to be a real waste of money – unless you do them right.

Rock Ooo - Rimba Bara Kembali

Rock Ooo ialah sebuah filem komedi muzikal yang diarahkan oleh Mamat Khalid dan dibintangi oleh Que Haidar, Khir Rahman, Soffi Jikan dan Pekin Ibrahim. Filem ini ditayangkan pada 28 Februari 2013.... Filem ini merupakan sekuel kepada filem Rock [ 2005 ].

Plot cerita ini berdasarkan kehidupan kugiran Rimba Bara setelah pemergian Zack dari kugiran tersebut. Cerita bermula dengan kisah bagaimana Amy Mat Piah melalui hari-harinya selepas dibuang dari kumpulan Rimba Bara. Hari-hari beliau sering dihantui dengan kisah Rimba Bara, walaupun beliau telah meneruskan pekerjaan beliau sebagai pembuat air batu campur.

Home Remedies to Get Rid of Gas and Bloating

Eating too much or consuming lots of fatty or spicy food commonly leads to gas and bloating. It’s not unlikely for the discomfort felt in the abdominal area to be accompanied with symptoms such as nausea, dizziness and headache. Whenever this excruciating problem strikes, worry not for there are a handful of effective home remedies you may try.

Drink Thirst-Quenching Coconut Water

The calming effect of coconut water to the digestive tract helps alleviate a crabby belly. Drinking it is a refreshing way to allow the stomach to bounce back from all the things that it is forced to process.

Herbal Teas That Help Strengthen The Immune System

For centuries now, drinking tea has been enjoyed by many all over the planet. Aside from allowing you to get rejuvenated, many teas are known to provide all sorts of health benefits. Certain herbal teas are said to be very good at supporting your immune system. With a strong immune system, your chances of getting sick or ill can be considerably reduced.

Read on to get acquainted with herbal teas known to help give you a stronger immune system. Consuming them is a great way for you to have your defenses against invading microorganisms bolstered.

Chrysanthemum Tea Purifies the Blood

Blood filled with toxins can leave a dent on your immune system. It’s for this reason why helping the kidneys to flush out poisonous substances in the bloodstream can help make your body stronger. Traditionally, chrysanthemum tea is consumed for blood purification purposes. Other than this, drinking the beverage also helps your body fight off microbes. It’s also the one to drink if you are suffering from anxiety or insomnia as it has mind-calming properties.

11 Tips to Tweet Properly

11 Tips to Tweet Properly

Twitter is not only for the young, tech-savvy kids; parents, businesses, and even politicians have hopped on the wagon to Twitter Town. Similar to cell phones, emails, and social marketing tools – you can only outrun Twitter for so long.

As a beginner, you’ll find that Twitter uses cutesy names to describe its tools and functions, which can be frustrating at the best of times – like a secret code that you need a special decryption machine for others.

So, here’s our helping hand with 10 tips to get your head round some of the necessary terminology that Twitter uses and how to tweet in the right way!

 

 

The Hacker Search Engine “Shodan” is the Scariest Search Engine on Internet

Launched in 2009, Shodan is more of a prying eye across the world through the IoT rather than just a simple search engine. John Matherly, its creator, named his project after the villainous computer in the video game System Shock. As in present, Shodan is living up to his name. Already designated as ‘world’s scariest search engine’, it is commonly called the hacker search engine.

Shodan shows you what Google doesn’t. Designed with an aim to link all the devices connected to the Internet, it took no time to become a play zone for hackers and experimenters. Shodan works by collecting and stacking HTTP addresses from various devices linked over the Internet across the world. The indexing is done on the basis such as country, OS and brand.

Rendang Ayam Nangka Muda

Satu lagi resepi yang anda harus cuba, Rendang Ayam dengan Nangka Muda , sedapnya sampai menjilat jari.. memang yummy sangat!

Anda pun boleh cuba, membuatnya pun mudah bahan pun yang simple-simple.. sesekali cuba kelainan pasti syok habis..

Video | Dion Agungs - Aku Cinta Kau Dan Dia

Dion Agungs - Aku Cinta Kau Dan Dia

Hancur hatiku mengenang dikau,
Menjadi keping-keping setelah kau pergi,
Tinggalkan kasih sayang yg pernah singgah antara kita,
Masihkah ada sayang itu...

Video | Harris J Feat. Jae Deen - Paradise

Institutions and tertiary programmes covered by PTPTN

Not all institutions and programmes they offer are eligible for PTPTN loans. Read here to ensure a smooth application process.

Can I apply PTPTN for [insert name of institution]?

The PTPTN loan is open to students who are continuing their studies at local higher education institutions (IPTA) and Private Higher Education Institutions (IPTS) only.

Those masked men among us

Pretentious people with masks are all around us. Can we not see them? Or do we choose not to?

Lately there are so many people masking themselves, pretending to be who they are not.

Did you hear about the lady in Algeria who was sued by her husband because she wasn’t who she pretended to be? The husband thought he had married a beautiful, gorgeous woman but once those inches of foundation and make-up came off, he got a fright looking at what was left of her.

If you remember, there was also a case of a man in China who sued his wife for failing to disclose that she had undergone a series of plastic surgeries prior to marriage. He claimed to have fathered three ‘ugly’ children due to his wife’s ‘cheating’ .

Aplikasi pengurusan kewangan ‘TouchStyle’ dari Bank Rakyat !

Baru-baru ini Bank Rakyat telah melancarkan aplikasi yang menarik dikenali dengan “TouchStyle“. Ia direka khas untuk mendidik pengguna mengenai cara pengurusan kewangan yang betul terutamanya dalam kalangan golongan muda seperti aku.. hehee..

Aplikasi ini boleh dimuat turun dari Play Store dan App Store untuk sistem operasi iOS dan Android secara percuma.

 

 

Grammy Awards 2015 : The Complete Winners List

While Sam Smith and Beck dominated the 57th annual Grammy Awards, they were hardly the only winners Sunday night. From Pearl Jam's Jeff Ament (and Eddie Vedder, using his pseudonym "Jerome Turner") scoring Best Recording Package to Beyoncé taking home Best Surround Sound Album, here is the full rundown of all the Grammy winners.

Record of the Year 

Sam Smith – "Stay With Me (Darkchild Version)" 

Steve Fitzmaurice, Rodney Jerkins & Jimmy Napes, producers; Steve Fitzmaurice, Jimmy Napes & Steve Price, engineers/mixers; Tom Coyne, mastering engineer Label: Capitol Records; Publishers: Sony/ATV Songs LLC obo Naughty Worlds Ltd./Universal-Polygram Int. Tunes, Inc. obo Salli Isaak Songs, Ltd./Universal Polygram Int. Tunes, Inc. obo Method Paperwork

Absolute Adli

Album : Absolute Musik

Artis  : Absolute Misdemeanor

Title  : Absolute Adli