Are you struggling to pay your bills?

Are you struggling to pay your bills?

In today’s tightening economy every little help counts in planning our finances. Perhaps you have a need for emergency funds. However, not everyone is able to get credit facilities from banks. Licensed money lenders are charging interest rates that literally cost an arm and leg. And it’s not always wise to get loans from family and friends. So what are your options?

Download GoodKredit at the PlayStore or AppStore

GoodKredit (GK) is a digital lending platform that provides solution for your emergency cash, in the form of advance pay cash up to RM500 or a microloan up to RM5,000, with fast approval that only takes approximately 24 hours to process. Once the loans are approved and released, you can improve your financial credit score, do a credit card balance transfer, pay bills, top-up your phone and utilize the great deals and offers within the GK merchant community.

Apply for microloans up to RM5,000 with GK

GoodKredit aims to assist many with its microloans by providing interest fee as low as 15% in town and repayment duration up to 9 months. Sounds too good to be true? Worry not. GoodKredit is all legal, it is essentially the ultimate electronic gift voucher program based on multiple repayment model to solve your financial worries.

Payment is easy and convenient. You can choose to pay either by FPX or JomPAY with few simple steps as below:

Easy and convenient payment method

All in all, GoodKredit is here to provide assistance to your financial worries or when you need quick emergency cash. To qualify, you must be Malaysian citizen age 21 years and above with a minimum salary of RM 1,500 and a valid Malaysia bank account. A smart consumer will know a good deal when they see one. Don’t miss this chance to get rewarded with GoodKredit today.

To find out more visit GoodKredit

DAYS OF HOPE: Real Reforms for ‘New’ Malaysia

DAYS OF HOPE: Real Reforms for ‘New’ Malaysia

DAYS OF HOPE:
Real Reforms for 'New' Malaysia

FREE BOOK!
FOR MALAYSIAKINI
1-YEAR SUBSCRIBERS @RM200

PROMO PERIOD: JANUARY 2019

ABOUT THE BOOK

The 14th General Election (GE14) defeat of the Barisan Nasional Coalition, which had ruled the country since 1971 was unprecedented in Malaysian history. The displacement of what seemed an unshakeable BN led regime, is testimony to the determination of the Malaysian people and the persistence of civil society in their decades long struggle against BN rule. The Malaysian people chose to cast their votes for Pakatan Harapan because the coalition had promised in their GE14 manifesto to implement wide ranging reforms that made them seem radically different from the BN. Post-GE14 are days of hope indeed…

With the co-optation of many former BN critics into the new PH government, the independent and critical voice of Kua Kia Soong continues to sound consistently in the so-called ‘new’ Malaysia. He has closely monitored the performance of the new PH government and his analyses and commentaries in these days of hope are essential reading for all Malaysians who yearn for real reforms.

ABOUT THE AUTHOR

Dr. Kua Kia Soong is a director of SUARAM. He was arrested under the Internal Security Act during “Operation Lalang” in 1987 and detained for 445 days without trial. Upon his release in 1989, he helped to found SUARAM (Suara Rakyat Malaysia), the leading human rights organization in Malaysia.

Together with other civil rights activists, he joined the Opposition Front in 1990 and was elected Opposition Member of Parliament for Petaling Jaya from 1990 to 1995. He was prisoner of conscience for a second time in 1996 when he spent seven days in prison with other activists for organizing the Second Asia Pacific Conference on East Timor which was disrupted by a mob from the ruling coalition.

He was the Principle of the New Era College, a non-profit tertiary-level institution run by the Chinese education movement (2000-2008); Director of Huazi Research Center set up by the Malaysian Chinese community (1985-90) and Academic Adviser to the Independent Chinese Secondary Schools (1983-85).

Kua received his BA Econ (1975), MA Econ (1976) and PhD in Sociology (1981) from Manchester University, UK. He was a lecturer in sociology at the National University of Singapore in 1978-79.

Civil & Political Rights

  1. HUMAN RIGHTS FOR A ‘NEW’ MALAYSIA
  2. KEEP THE CONSTITUTION SECULAR AND INCLUSIVE
  3. RULE OF LAW IS NOT ARBITRARY RULE
  4. RULE OF LAW MUST APPLY TO ALL FINANCIAL SCANDALS
  5. EXORCISING RACISM FROM OUR INSTITUTIONS
  6. WE DON’T NEED BITTERLY TOXIC & NOXIOUS BTN
  7. RACIAL AND RELIGIOUS HATRED ACT IS ILL-CONCEIVED
  8. WHO ARE THE PERPETRATORS OF FAKE NEWS?
  9. FREEDOM OF EXPRESSION IN ‘NEW’ MALAYSIA
  10. DELAYING LOCAL GOVERNMENT ELECTIONS IS UNACCEPTABLE
  11. ABOLISH DEATH PENALTY & EXTRADITE SIRUL
  12. SELECTIVE EFFICIENCY OF THE MALAYSIAN POLICE
  13. CONSTITUENCY DELINEATION: 60 YEARS OF SUBTERFUGE
  14. LGE CORRUPTION CHARGES: BEST LET THE COURT DECIDE
  15. CEP REPORT, OSA – CIVIL SOCIETY DEMANDS FULL TRANSPARENCY

Economic, Social & Cultural Rights

  1. BUMIPUTERA CONGRESS BURSTS ‘NEW MALAYSIA’ BUBBLE
  2. BUMIPUTERAISM THE MAIN CAUSE OF THE BRAIN DRAIN
  3. POPULIST POLICIES THAT ARE NOT PROGRESSIVE
  4. BRIMMING WITH IDEAS OF WEALTH REDISTRIBUTION
  5. A HIGH-INCOME COUNTRY WITH RM1050 MINIMUM WAGE?
  6. HAS FORBES 50 DONATED TO ‘SAVE MALAYSIA FUND’?
  7. DON’T LET DR M PRIVATISE OUR NATIONAL ASSETS AGAIN
  8. TIME FOR PAKATAN TO ADDRESS INSTITUTIONALISED KLEPTOCRACY
  9. CONFLICT OF INTEREST HAVING CORPORATE HEADS AS STATE ADVISERS
  10. YES TO ROYAL COMMISSIONS ON 1MDB, BMF AND FOREX LOSSES
  11. RECLAIM OUR COMMONS & REDISTRIBUTE WEALTH
  12. SACRIFICING CHINESE SCHOOLS AT THE ALTAR OF THE DEBT MOUNTAIN
  13. DISHONEST TO RENEGE ON UEC RECOGNITION
  14. UEC: AN UTTERLY EGREGIOUS CONVERSATION
  15. FAIR AND FARSIGHTED EDUCATION POLICY
  16. MAT SABU’S DEFENCE PRIORITIES
  17. RESTORE SARAWAKIANS’ RIGHTS TO THEIR OIL
  18. NEW MALAYSIA A HAVEN FOR PLASTIC WASTE?
  19. MIGRANT LIVES MATTER
  20. ANWAR NEEDS TO SHOW US HIS REFORM PLAN
  21. Miscellaneous Issues

  22. TIME FOR ELDERLY POLITICIANS TO MAKE WAY FOR THE YOUNG
  23. PRIME MINISTER’S BIZARRE APPOINTMENTS
  24. RAZAK BAGINDA’S INDICTMENT CALLS FOR NEW FULL INQUIRY
  25. PATRIOTS & PRETENDERS OF THE EMERGENCY
  26. THE MISOGYNISTIC ANTI-UNDIROSAK PACK
  27. THANK GOODNESS FOR DAUGHTERS!

WHAT READERS SAY…

Truly excited to contribute to Days of Hope.

Cecil Rajendra

Poet and Lawyer

As usual Soong challenges received wisdom, here asking us probing questions about our elected leaders and whether they are helping to create the society the people demanded on 9 May 2018.

Sonia Randhawa

Centre for Independent Journalism

Provocative yet reasoned, I have been following Kia Soong since I first read his Class & Communalism in Malaysia more than thirty years ago.

Sharaad Kuttan

Astro Awani

FREE BOOK!
FOR MALAYSIAKINI
1-YEAR SUBSCRIBERS @RM200

PROMO PERIOD: JANUARY 2019

RELATED

People Power Saves Malaysia
– Free Book Giveaway

Run For Your Life

Run For Your Life

Kuala Lumpur: The Malaysian Occupational Safety and Health Practitioners’ Association (MOSHPA) have announced that they are organizing a 5km fun run at Putrajaya’s Complex Sukan Air on 13th January 2019.

Of the event, MOSHPA’s president Dato Dr R. Kanagaraja said “We want to help celebrate an early Federal Territory Day with not only our members from MOSHPA, but with an event where all families in the community can come together and have fun.”

Although occupational safety and health management is not a laughing matter, both fitness activities and laughter reduce the risk of cardiovascular diseases, heart attacks, and strokes. The event of the day hopes to ensure that everyone will get a little bit of both by including a Zumba session, a 5km fun run, musical entertainment by well-known local artistes, food and beverages, and carnival games to entertain the children. General health checks will also be available for anyone interested in finding out if they need to go for a more detailed health examination.

Registering for the run costs RM50, and can be done online at RaceXAsia.com. Running can help keep the heart healthy, improves moods, and lose weight – which may also boost your immune system. Although walking doesn’t burn as many calories, there is a lower risk of injuries compared to running, while still helping to reduce hypertension, high cholesterol, and the risk of diabetes. Increased physical fitness increases mental alertness, and reduces the risks of injuries, slips, trips, and falls, and other associated sick days.

MOSHPA was registered in 1997, and since then has held several events each year including fun runs, awards ceremonies, and training programs, to promote safety and health culture.

For further inquiries or to contact us, please visit our website at www.moshpa.com

If you would like more information about this topic, please contact Mr Adrian Doshi at 016-681 4556.

Discover The SECRETS To Raising A Successful Child

Discover The SECRETS To
Raising A Successful Child

Learn 3 keys on how to identify, manage, regulate and enhance your child’s EQ as well as IQ. Empower your child’s academic performance, reduce their stress level and help them succeed in all areas of life.

Issues Raised

Do you find it hard to communicate with your children most of the time?

Do you know when & why your child rebel against you?

Do you know the actual reason why your child did not score higher grades like others?

Do you know that your child’s stress can lead to anxiety, depression and suicidal tendencies?

As parents, we always want the best for our children. Give your children the best by unleashing their full potential early in life.

Introduction to UCMHP Methodology

UCMHP is a 21st Century Breakthrough Profiling Method that was painstakingly developed by Dr. Bernard Yeo over the last decade. This profiling method is the first of its kind to integrate 7 world renown profiling methodology into 1.

This Evolutionary Methodology will be able to reveal the nature of your child and help you connect deeper with your child.

This is like having a “lifetime manual for your child” so you know what your child is truly capable of achieving.

Introduction to Dr Bernard

Dr. Bernard Yeo
(Hon PHD, Human Capital Development and Human Profilling)

Dr. Bernard Yeo is the founder, creator and chief researcher of UCMHP Methodology. He decided to embark on a journey to uncover the Universal Character of people after being inspired by a lady professor.

Over the course of 10 years, he has put in over 70,000 hours of research to analyze more than 12,000 data stemming across diverse cultures, genders and backgrounds while reading hundreds of journals and thousands of articles during his development of the UCMHP Technique.

As a result, the UCMHP methodology was born, and since then he has helped over 40,000 people to transform their life.

After transforming more than 40,000 people’s life, he realizes that this methodology has the immense potential to accelerate a child’s success, and hence he decided to setup UCMHP Edu Centre, dedicated to transform the life of every child.

Testimonial

The workshop gives me a better understanding of my 2 children, opens up my own mind to how my kids want me to ‘communicate’ with them, and even to manage my own marriage. With that, I have signed up for the Seminar where I hope to learn more about the CHICC Profiling method and how to use the ‘tools’ to ‘know’ my children and my students, and to guide them along the way.

MS JAMIE TAN

Principal of Rainforest Education Centre, Mother of Son (aged 5) and Daughter (aged 3)

As a mother, I would want the best for my child. The workshop really opens up my mind and gives me a deeper insight as to how I can better communicate with my child, discover her strengths and weaknesses as well as build on her potential. In addition, I am also able to apply the same technique and tools for myself as well. I have signed up for the Seminar and would definitely recommend this workshop to all my friends!

MS KAREN LIM

Marketing Executive, Mother of Daughter (22 months)

The workshop is really an eye opener. Their method of profiling is simple, easy to understand and can be applied in our daily lives. As a mother who always strives to improve the quality of my children’s learning and development, I have signed up for the Seminar to know more about profiling, as well as to understand how I can improve family communication and have a better approach in educating my children.

MS ANLINNA LIM

Business Owner of Reverie Island, Mother of Daughter (3 yrs) & Son (1 yr)

Learning Benefits

  • Your child’s universal hidden potentials, blind spots and attitudes in life
  • Which academic and career path choices are suitable for your child
  • Teach your child’s how to manage stress level and be happy always
  • Your child’s weaknesses and how to turn them into their strengths
  • How to use the right universal senses’ study and learning techniques for your child
  • The potential health issues your child might face in their lives, and discover how to nourish them accordingly
  • The dynamics of your interaction with your child

PLUS: 32 steps to know yourself and your child’s universal personal intelligence character! Discover how you can build up yours’ and your child’s emotional strengths, find the right solutions and move forward in challenging situations!

As parents, we always want the best for our children. Give your children the best by unleashing their full potential early in life.

Take charge of your liver health before it’s too late

Take charge of your liver health before it’s too late

In today’s fast-paced world, we are unfortunately forced to live a hectic life, juggling our career with family and social life. For many of us, career seems to be demanding more attention than others. This comes at the expense of our work-life balance. Making a bad situation worse, we just can’t be bothered to eat healthily and exercise regularly. When our health takes a back seat in career pursuit, one of our hardest working organs – liver, is at constant risk of malfunctioning due to our prolonged ignorance. Not to mention the health problems that come with age.

Why is the liver so vital?

The liver performs more than 500 vital functions to shield our body from lifestyle-induced onslaughts. It removes harmful toxins, distributes and stores essential nutrients at the same time. From digestion to nutrients absorption, metabolism and immunity, liver has a role in it. Your liver simply cares for you. If you don’t take good care of it, you risk developing liver diseases. 1

Recent study showed that Liver diseases has become A major, neglected global public health problem requiring urgent actions. Statistics show that about 844 million people had chronic liver diseases (CLDs) worldwide, with a mortality rate of two million deaths per year. If CLDs are left unchecked, it will lead to cirrhosis, a late stage of deadly liver scarring due to long-term damage. This puts 633,000 people at risk each year.2

You are what you eat. Everything you eat or drink passes through the liver. Frankly speaking, we either eat the harmful foods or miss out on certain essential nutrients. For optimal liver health, we need to plug such dietary gaps. Consuming health supplements is a good practice, which helps restore balance and prevent health issues.

Where does Essentiale fit in?

Essentiale contains essential phospholipids (EPLs) derived from soya beans to act as the building blocks of cell membranes in the liver. They repair, protect and regenerate your liver.3 A healthy liver is able to boost your energy levels, keeping fatigue at bay. The end products of nutrients metabolism are stored in the liver for use at a later stage. Essentiale also provides nutritional support in the management of damaged liver due to Chronic liver disease, liver cirrhosis, fatty liver & intoxication by hepatotoxic substances.4

 

Take responsibility for your own liver health as nobody else will. Keep your liver healthy to make it happy. Learn more about the goodness of Essentiale.

References:

  1. Johns Hopkins Medicine (2018). Liver: Anatomy and Functions. https://www.hopkinsmedicine.org/healthlibrary/conditions/liver_biliary_and_pancreatic_disorders/liver_anatomy_and_functions_85,P00676
  2. Marcellin P, Kutala BK (2017). Liver diseases: A major, neglected global public health problem requiring urgent actions and large-scale screening. Liver Int. 2018;38 (Suppl. 1):2-6. https://  oi.org/10.1111/liv.13682
  3. Gundermann et al. Activity of EPL from Soybean in Liver Disease. Pharmacological reports. 2011;63:643-659
  4. Essentiale – Malaysia Product Information.

Picture Source:

123rf.com
Disclaimer: This is a medicine product advertisement
Product Registration No.: MAL06071088X
KKLIU No.: 2009/2018

Sunscreen: Do You Understand The Label?

Sunscreen: Do You Understand The Label?

In a study conducted in JAMA Dermatology, researchers at Northwestern University Feinberg School of Medicine discovered that even though 93% of their clinic attendee purchased a sunscreen, most of the people have a lack of understanding on the terminology used in a sunscreen label. Fewer than half of the participants were able to identify correctly the terminology used on the label. UVA, UVB, SPF, broad-spectrum, and PA, they may all seem confusing to consumers. Are you as confused? Worry not, as this article will explain all the commonly used term for this essential product.

Is it a sunscreen or a sunblock?

Today, many brands are actually a blend of sunscreen and sunblock. The words are also frequently used interchangeably. Sunscreen or sunblock helps to shield you from the dangerous ultraviolet rays of the sun in different ways:

  • Sunscreen: Sunscreen filters or screens the sun’s ultraviolet (UV) rays. Also called chemical sunscreen, it keeps most of the rays out but lets some in. It is more commonly used than sunblock. It utilises a variety of chemicals that work to absorb harmful UV rays before they penetrate your skin.
  • Sunblock: Sunblock or physical sunscreen reflects the sun’s rays from the skin. It blocks the rays from penetrating the skin. Most sunblocks utilise titanium oxide or zinc oxide as the active ingredient.

What is UVA and UVB rays

There are many different types of rays present in sunlight. The rays that are most damaging to our skin are called ultraviolet (UV) rays. UVB and UVA are the two basic types of ultraviolet rays that reach the earth’s surface.

UVB rays are responsible for producing sunburn. It’s easier to remember UVB cause burning. The UVB rays also play the greatest role in causing skin cancers.

UVA rays also play a role in skin cancer formation. It also penetrates more deeply into the skin and plays a greater role in premature skin aging changes including wrinkle formation. Hence, remember UVA cause aging. There are approximately 500 times more UVA rays in sunlight than UVB rays. UVA is around every day and it can penetrate through window glass and the cloud.

How much SPF do you need?

SPF stands for the sun protection factor. It measures a sunscreen’s ability to filter UVB rays. SPF of 30 means that technically, you could be out in the sun 30 times longer before you get sunburned than you would be able to if you went out without sunscreen, as long as you keep reapplying it appropriately.

An SPF of 30 is not double as effective as an SPF 15. Rather, the effectiveness in filtering UVB rays are as follows:

  • SPF 15 filters about 93% of UV-B rays
  • SPF 30 filters about 97% of UV-B rays
  • SPF 50 filters about 98% of UV-B rays

Hence, the difference between SPF 30 and SPF 50 is only a 1% filtering improvement. If the sunscreen is reapplied every two hours and use in the right amount, using SPF 30 sunscreen is enough for typical adults.

What does a broad spectrum mean

Since SPF only measures protection against UVB rays, UVA coverage is indicated by the word ‘broad spectrum’. Most active ingredients in sunscreen shield against UVB, but far fewer have UVA coverage, and only a handful offer both. A sunscreen that combines both physical and chemical sunscreen usually have a broad spectrum property.

What about PPD and PPA?

Any sunscreen that protects against both UVA and UVB rays qualifies as broad spectrum. There’s some criticism from consumer advocates that the standard allows any sunscreen that provides any measurable protection from UVA rays as broad spectrum, even if that protection is very low.

Meanwhile, around the globe, the standardized indicator for UVA protection may not be the same. Other test and labels are used unlike the universal SPF indicator for UVB protection. So many sunscreens from Europe and Asia show more specific rankings for UVA protection and can be seen on their label as:

  • PPD (Persistent Pigment Darkening): Used in Asia and Europe, a PPD of 10 means that it’ll take around 10 times longer for your skin to tan, compared to if it was unprotected.
  • PA (Protection Grade of UVA): used in Asian countries like Japan and South Korea, the PA system simplifies and groups the ratings from a PPD test. It ranges from PA+ to PA+++

This article contributed by Hello Doktor and republished by Voiz Asia upon permission.
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