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<h2>When it comes to savings, the general consensus is that you should set money aside and do your best to never touch it</h2>
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<p>In fact, there is a plethora of articles, self-help books, and videos out there that teach you how to build up your savings and avoid dipping into it. Some common tips you&#8217;ll come across include:</p>
<p>&#8211; Setting up a separate bank account for your savings<br />&#8211; Setting up an emergency fund for unexpected expenses<br />&#8211; Setting up a sinking fund for expected expenses (such as gifts, car maintenance, etc)<br />&#8211; Spending only after you save<br />&#8211; Adjusting your budget and cutting expenses<br />&#8211; Picking up side hustles to earn more money</p>
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<p>                <small class="img-credit">Image via <a target="_blank" href="https://www.vecteezy.com/photo/24594777-saving-money-investment-for-future-female-woman-hands-holding-pink-piggy-bank-and-putting-money-coin-saving-investment-budget-business-wealth-retirement-financial-money-banking-concept" rel="noopener">Iuliia Zavalishina/Vecteezy</a></small>
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<h2>The concept of &#8216;not touching your savings&#8217; was precisely what I adhered to and earnestly tried to follow during the first few years of my career.</p>
<p>And it worked&#8230; Until it didn&#8217;t.</h2>
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<p>Here&#8217;s the thing: During the first few years I started working, despite earning less, I still managed to save RM100 to RM200 each month, and even up to RM500 in a good month.</p>
<p>I even began employing the &#8216;save before you spend&#8217; method, setting up auto-billing to save a portion of my salary whenever it came in.</p>
<p>The funny thing is that as I progressed in my career, and my salary increased, so did my living expenses. It&#8217;s not like I was splurging on branded items or RM100 meals all the time, but having friends (and a partner) just meant that there were more things to spend on, and I was fine with that.</p>
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<h2>As I grew older, I also began to realise there was a lot more adulting that needed to be done — and most of these things cost money</h2>
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<p>Whether it was taking a flight back to Penang to see family every other month (RM200), attending friends&#8217; weddings (RM150 per wedding), or paying for car insurance and road tax (RM1,000), there were some months when there just wasn&#8217;t enough money to save, no matter how hard I budgeted.</p>
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<p>By then, I had already accumulated a comfortable safety net, or emergency fund, or whatever you want to call it. But I just felt like it was money I should never have to touch.</p>
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<h2>The kicker came when I went through three major life changes back to back: Getting married, buying a house, and having a kid</h2>
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<p>At each phase, I would still try my very best to budget and track my monthly expenditure meticulously. The only problem was that whenever there was an unforeseen expense, or a meal I had while eating out with friends, I&#8217;d feel super agitated because I felt I was &#8220;overspending&#8221;.</p>
<p>Naturally, I ended up having to dip into my savings and would often feel unhappy.</p>
<p>But then, a very wise person (a.k.a. the wife) one day asked me, <b>&#8220;What&#8217;s the point of you having savings anyway? Isn&#8217;t it so that you have money saved up for unforeseen occasions like this?&#8221;</p>
<p></b>That&#8217;s when my perspective towards savings started to shift, and I became a little more okay to dip into my savings. (But before you overreact, I have an explanation below)<b><br /></b></p>
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<h2>First of all, I&#8217;m not saying you should be dipping into your savings for whatever you want or splurging all the time just because you can</h2>
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<p>Behaving like this is dumb, and you&#8217;ll end up not having anything saved up for when you really need it.</p>
<p>But what I am saying is that it&#8217;s okay to dip into your savings for specific occasions or seasons of your life. And however much you want to dip into is entirely based on what&#8217;s important to you.</p>
<p>For instance, nowadays, I wouldn&#8217;t mind forking out RM500 on a big family dinner to celebrate a parent&#8217;s birthday or a family member&#8217;s milestone because, family is important to me. Or, if my wife and I need to dip into our savings every month to pay for our kid&#8217;s daycare — we&#8217;d do it because it gives us the time and space for our careers, which is something we both value.</p>
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<p>                <small class="img-credit">Image via <a target="_blank" href="https://www.pexels.com/photo/person-paying-at-a-counter-using-debit-card-6605257/" rel="noopener">Kampus Production/Pexels</a></small>
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<h2>One thing that has helped me come to terms with &#8216;touching my savings&#8217; is being intentional about what I&#8217;m using the money for</h2>
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<p>Back to the example of daycare, what I did was to take out a sum from my savings and say, &#8220;This is the amount I&#8217;m allocating for the year<b> towards this specific purpose</b>&#8220;, and I was okay with it.</p>
<p>Another thing that shifted my perspective was <b>understanding that everything is for a season</b>. I know that I won&#8217;t be earning the same salary forever, and I know that I won&#8217;t be paying for daycare forever either. Recognising that there are seasons that are more financially demanding than others has taught me to be kinder to myself.</p>
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<h2>Of course, the end goal is to be able to save more every month and afford to spend on things I want without feeling guilty</h2>
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<p>But along the way, I&#8217;ve come to realise that it&#8217;s okay if I have to use some of my savings once in a while or for a season.</p>
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<h2>Learn how to grow your money on SAYS!</h2>
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<h2>For more #money stories:</h2>
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<h6><a href="https://says.com/my/p/lifestyle/9-simple-ways-to-invest-rm1-000-in-malaysia-2024" class="ga-curator-related">&#8220;So You Have RM1,000&#8221; — Here&#8217;s A Simple Guide On How To Start Investing In Malaysia</a></h6>
<p>There&#8217;s actually a lot you can do with RM1,000 in Malaysia.</p>
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"Never Touch Your Savings" — Here's Why I Disagree With This Financial Advice

“Never Touch Your Savings” — Here’s Why I Disagree With This Financial Advice

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<h2>Do you know how much you actually spend on food every month?</h2>
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<p>Chances are, you don&#8217;t really keep track. And chances are, you probably spend more on food than you think you do! :O</p>
<p>The Statistics Department&#8217;s Income, Expenditure, Poverty and Inequality 2022 report showed that Malaysian households spent an average of RM732 per month at restaurants and cafés, as well as RM58 at canteens and cafeterias, as reported by <a target="_blank" rel="nofollow noopener" href="https://www.thestar.com.my/news/nation/2023/10/03/interactive-heres-how-we-spent-our-money-last-year">The Star</a>.</p>
<p>In fact, the number for household spending shoots up in states like Penang (RM1,090), Selangor (RM1,313), and Kuala Lumpur (RM1,381).</p>
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<h2>But don&#8217;t worry! Come tell us your <em>chap fan</em> order, and we&#8217;ll help you <em>agak</em> (estimate) how much you actually spend on food every month.</h2>
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<p><p><b>Quiz not loading? Just hit &#8216;Refresh&#8217; and try again!</b></p>
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<p><i>Note: This quiz is for entertainment purposes only. Dun so serious, okay? 🙂</i></p>
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<h2>So, do you feel like you&#8217;re overspending on food? :O</p>
<p>Check out how to start making a monthly budget:</h2>
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<p>Budgets are guidelines of how to spend our hard-earned money. Done right, it&#8217;s the most powerful system I know for bringing people to financial security.</p>
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<h2>Learn how to grow your money on SAYS!</h2>
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<h2>For more #money stories:</h2>
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<p>Convert your &#8220;trash&#8221; into cash.</p>
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<p>There&#8217;s actually a lot you can do with RM1,000 in Malaysia.</p>
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[QUIZ] Lai, Choose Your 'Chap Fan' Dishes & We Guess How Much You Spend On Food Each Month

[QUIZ] Lai, Choose Your ‘Chap Fan’ Dishes & We Guess How Much You Spend On Food Each Month

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<p><p><i>This Spotlight is sponsored by Nespresso.</i></p>
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<h2>Do you know how much you actually spend on coffee?</h2>
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<p>Depending on where you get your coffee from, a long black or basic latte in the Klang Valley usually costs a minimum RM10. That&#8217;s not even counting speciality drinks.</p>
<p>To put things into perspective, if you drink coffee every day, you&#8217;d be spending <b>a whopping RM300 a month on coffee</b> (30 days x RM10), or RM3,650 a year (365 days x RM10)!</p>
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<p>                <small class="img-credit">Image via <a target="_blank" href="https://unsplash.com/photos/person-making-latte-art-nzyzAUsbV0M" rel="noopener">Fahmi Fakhrudin/Unsplash</a></small>
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<h2>But don&#8217;t worry, &#8217;cause there is a more affordable way to get your daily dose of coffee — Nespresso has got you covered with its machine subscription plan</h2>
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<p>                <small class="img-credit">Image via <a target="_blank" href="https://www.nespresso.com/my/en/machine-subscription#/" rel="noopener">Nespresso</a></small>
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<p>In case you didn&#8217;t know, Nespresso offers a convenient coffee experience with its easy-to-use coffee capsules and coffee machines.</p>
<p>Nespresso does not skimp on quality either, sourcing premium coffee beans from various regions worldwide. These beans then undergo meticulous processing and roasting for optimal flavour extraction. This results in a consistent cup of coffee every single time with a rich flavour, aromatic profile, and smooth texture.</p>
<p>Furthermore, Nespresso has a team of experts who rigorously test and blend different coffee varieties to create unique and balanced flavour profiles. Whether you enjoy a light, fruity brew, or a dark, intense roast, Nespresso has a nice variety of coffee capsules to choose from — there are even limited edition seasonal capsules too.</p>
<p>If you&#8217;re thinking, &#8220;A coffee machine and coffee subscription sounds expensive,&#8221; we&#8217;ve got good news!﻿</p>
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<h2>Nespresso&#8217;s machine subscription plan starts from RM80 per month, with an upfront charge of just RM50 for your machine</h2>
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<p>You&#8217;ll be paying as low as RM80 a month for 12 months, but here&#8217;s the cool thing — the full RM80 you pay is converted into Nespresso credits that you can use to buy coffee capsules or accessories.</p>
<p><b>Essentially, you are paying RM50 to own a brand-new Nespresso coffee machine</b><b>&nbsp;</b>(it costs RM699 to RM1,899 on its own), which also comes with a two-year warranty.</p>
<p>P.S. Your Nespresso machine even comes with a sampling kit, so you&#8217;ll actually get to try a variety of popular Nespresso coffee capsules for free!</p>
<p>What&#8217;s more, after 12 months of subscription, the Nespresso machine is still fully yours, and you&#8217;ll be transitioned to the Coffee Subscription Plan, where Nespresso will top up 10% of credit for you every month — that equals to extra 3 cups of coffee per month!</p>
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<h2>Here&#8217;s a closer look at Nespresso&#8217;s machine subscription plans:</h2>
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<p>For a limited time, you can also get the Vertuo Next (RSP: RM1,199) via Nespresso&#8217;s machine subscription plan for RM150 per month and the same upfront charge of RM50.</p>
<p>The machine allows you to choose from six different cup sizes in just one touch, letting you enjoy your favourite espressos (40ml), double espressos (80ml), gran lungos (150ml), mugs (230ml), altos (355ml), and carafes (535ml).﻿</p>
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<p>                <small class="img-credit">Image via <a target="_blank" href="https://www.nespresso.com/my/en/order/machines/vertuo/nespresso-vertuo-next-white-coffee-machine" rel="noopener">Nespresso</a></small>
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<h2>So, how much do you actually save by drinking Nespresso compared to buying coffee from your usual spots?</h2>
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<p>On average, one Nespresso coffee capsule comes up to less than RM3, which means you&#8217;re potentially saving RM7 a day if you&#8217;re comparing to the amount that you are paying for your usual coffee (RM10).<br />﻿<br />With the RM80 Nespresso machine subscription, you should have enough credits to buy three sleeves of coffee capsules (3 x 10 capsules) each month, which should last you throughout the month.</p>
<p>After a one-year subscription, you&#8217;ll probably end up paying a total of RM1,010 (RM50 + RM80 x 12 months). Now, if you compare that with café coffee, drinking Nespresso could save you over RM2,600 a year!</p>
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<h2>Find out how you can sign up for a <a href="https://www.nespresso.com/my/en/machine-subscription#/" target="_blank" rel="noopener">Nespresso machine subscription plan</a> today!</h2>
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<p>Or learn more about their machines, coffee capsules, and accessories by visiting their <a href="https://www.nespresso.com/my/en/machine-subscription#/">website</a>.</p>
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<h2>For more <a href="https://says.com/my/makan" target="_blank" rel="noopener">#makan</a> stories:</h2>
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<p>Nasi lemak but crunchy.</p>
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<h2>Got some cool brand news to share?</h2>
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<p><p>Take a look at all of our Spotlight stories to date <a target="_blank" rel="nofollow noopener" href="https://says.com/my/stories/tagged/saysspotlight">here</a>.</p>
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<h2>Catch up on the latest brand buzz in Malaysia:</h2>
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<p>It&#8217;s not too late to join the celebration! You can still win amazing cash prizes up to RM31,888*.</p>
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How Much Do You Spend On Coffee? This Plan Could Save You More Than RM2,600 A Year

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<h2>One topic we don&#8217;t talk about much in Malaysia is estate planning or will writing. However, it&#8217;s something important that Malaysians should become more aware of.</p>
<p>So, what happens if a loved one dies without a will — how do family members claim money and assets of the diseased?</h2>
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<p>When someone passes away without a will, it can take up to five years for their assets to be properly passed on to their family members. Without a will or estate planning, disputes can also arise, delaying the process. Lastly, if the deceased did not inform anyone about their possessions, the beneficiaries may not even know it exists.</p>
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<h2>Here&#8217;s a closer look at what happens to a person&#8217;s estates when he or she passes away without a will in Malaysia:</h2>
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<p>First of all, the death will be classified as &#8216;intestate&#8217;, a.k.a. death without leaving a will or instructions on estate distribution — this applies to savings in bank accounts, properties, investments, and other assets.</p>
<p>Next, depending on whether you&#8217;re a Muslim or non-Muslim, intestacy (inheritance) laws will determine how your estates are distributed.</p>
<p>However, this does not include Employees Provident Fund (EPF) or insurance payouts, as nominees for those would have been chosen. That&#8217;s why EPF members are encouraged to appoint a Nominee to facilitate and expedite the administration of EPF savings by the appointed Nominee after their demise.</p>
<p>For nomination made by Muslim members, the EPF savings will be administered and distributed according to Faraid Law. An EPF Nominee will be the Executor or Administrator of the said savings, and the same goes for Takaful. For nominations made by non-Muslim members, the savings will be administered and distributed according to the member’s instruction.</p>
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<p><p>Surviving family members will need to apply for Faraid Certificate from the Shariah Court. Next, all rightful Heirs must mutually agree to appoint the same Administrator. The estates will be distributed based on Shariah law — it will be given to Baitulmal (Islamic financial institution) if there are no surviving family members or no one claims the estates.</p>
<p>Beneficiaries have to apply for a Letter of Administration before the estates are distributed. The letter allows the person named to administer the estate of a deceased who has died without leaving a valid will.</p>
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<p>Surviving family members will need to appoint an Administrator. Similarly, beneficiaries need to apply for a Letter of Administration before the estates are distributed.</p>
<p>Upon which, the estates will then be distributed to the beneficiaries based on Distribution Act 1958 after deducting the funeral expenses and outstanding debts.</p>
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<p>On top of that, for both Muslims and Non-Muslims, the Administrator will need to find two sureties, whose role is to guarantee the same value of assets and ensure the estates are properly distributed. However, no sureties are needed if AmanahRaya is appointed as the Administrator for estates with a gross value of RM600,000 or below.</p>
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<h2>In Malaysia, three institutions have the power to issue the Letter of Administration: AmanahRaya, the Small Estate Distribution Unit of the Department of the Director-General of Lands and Mines, and the High Court (Civil)</h2>
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<p>AmanahRaya, a premier trustee company wholly-owned by the government of Malaysia, can be appointed as an Administrator for both Testate and Intestate estates regardless of value. As a one-stop centre for wealth and estate planning, AmanahRaya will professionally compile and manage deceased’s assets, settle any debts, and distribute the remaining assets to the rightful beneficiaries.</p>
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<h2>So, what happens to estates that are not claimed — where do the money and assets go?</h2>
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<p>Contrary to popular belief, estates are not &#8220;frozen&#8221; at AmanahRaya.</p>
<p>When a person passes away, the estates will be in the name of the deceased until their loved ones begin the process of administering it.&nbsp;The estates will not go directly to AmanahRaya.</p>
<p>For instance, if Ahmad leaves behind property, cars, bank deposits, and stocks when he dies, all assets will be frozen at the location or agency where they are being kept. The ownership of the assets still belongs to Ahmad until his surviving family members obtain a Letter of Administration. As long as this step is not done or delayed, the assets will continue to be frozen.</p>
<p>To prevent this from happening, every individual should know the basics of estate management. Better still, you should plan for your inheritance in advance by including a will as part of your wealth and estate planning instrument.</p>
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<h2>Learn to grow your money on SAYS:</h2>
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<h2>For more #MakeItMakeCents stories:</h2>
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<p>Because accidents happen.</p>
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<p>Convert your &#8220;trash&#8221; into cash.</p>
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<h6><a href="https://says.com/my/p/lifestyle/9-simple-ways-to-invest-rm1-000-in-malaysia-2024" class="ga-curator-related">&#8220;So You Have RM1,000&#8221; — Here&#8217;s A Simple Guide On How To Start Investing In Malaysia</a></h6>
<p>There&#8217;s actually a lot you can do with RM1,000 in Malaysia.</p>
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</article>


How To Claim Money And Assets If Someone Dies Without A Will In Malaysia

PTPTN

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<h2>Ever wondered what your life will look like 20 years from now?</h2>
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<p>Will you be happily retired, living a lavish lifestyle, or will you be contented with a simple, fulfilling life?</p>
<p>While it&#8217;s not something we often think about, our future is very much related to the way we&#8217;re living today. How we spend and how we save could actually have a big impact on where we are financially 20 years down the road.</p>
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<h2>Don&#8217;t worry, we&#8217;re here to help! Tell us your everyday spending habits and we&#8217;ll give you an idea of how rich you&#8217;ll be in 20 years:</h2>
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<p><p><b>Quiz not loading? Just hit &#8216;Refresh&#8217; and try again!</b></p>
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<p><i>Note: This quiz is for entertainment purposes only. Dun so serious, okay? 🙂</i></p>
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<h2>Ultimately, your spending and saving habits today could have a great impact not just on your future, but also your children&#8217;s!</h2>
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<p><p>20 years down the road may seem like a long time away, but if you think about it, that&#8217;s probably when you&#8217;ll need to be paying for your children&#8217;s education. And there&#8217;s no better time to start preparing for it than right now!</p>
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<h2>One of the best ways to start saving for your children&#8217;s education is with The National Education Savings Scheme, a.k.a. Simpan SSPN</h2>
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<p>Administered by The National Higher Education Fund Corporation (PTPTN), Simpan SSPN is a government-backed savings scheme designed to help parents save for their children&#8217;s education.</p>
<p><b>Furthermore, saving with Simpan SSPN comes with a host of benefits:</b><br />&#8211; You can enjoy tax relief of up to RM8,000 a year<br />&#8211; It comes with takaful protection<br />&#8211; It sets aside funds specifically for education, so you won&#8217;t dip into it for other reasons</p>
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<h2>When you save with Simpan SSPN, you&#8217;ll also be entitled to join Cabutan WOW! Simpan SSPN 2024, which has prizes worth over RM1.3 million up for grabs, woah!</h2>
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<p><iframe loading="lazy" width="560" height="315" src="https://www.youtube.com/embed/B-B5Yvwcqro" title="YouTube video player" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe></p>
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<p>Cabutan WOW! Simpan SSPN has always been a highlight for Simpan SSPN depositors. During PTPTN&#8217;s recent event, they announced the winners of Cabutan WOW! Simpan SSPN 2023 Kategori Cabutan Tahunan, who walked away with cash prizes of RM150,000 (first place), RM50,000 (second place), and RM10,000 (third place).</p>
<p><b>This year, PTPTN is continuing its tradition of big giveaways, with all kinds of amazing prizes up for grabs.</b></p>
<p>First of all, you could stand a chance to win the main prize worth RM10,000 in cash (one winner) or a RM500 consolidation prize (180 winners) with Cabutan WOW! series throughout the year:</p>
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<p>But what&#8217;s even more exciting is that you could be driving home a brand new <b>Proton X90 Flagship</b>,<b> Proton S50 Flagship</b>, or<b></b><b> Proton X70 Flagship X&nbsp;</b>motorcycle<b>&nbsp;</b>when you save with Simpan SSPN. Besides these grand prizes, you could also be bringing home <b>up to RM30,000 in cash</b>.</p>
<p>Depending on your savings tier, you&#8217;ll be eligible for different giveaways — the more you save, the bigger your rewards!</p>
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<h2>The best part? All you need to do is deposit a minimum of RM50 with Simpan SSPN to join this giveaway.</h2>
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<p>For every RM50 you deposit with Simpan SSPN Prime and Simpan SSPN Plus, you&#8217;ll automatically get one draw and two draws, respectively.</p>
<p>But there are ways to up your chances of winning even more!</p>
<p>Earn five draws when you deposit RM50 into Simpan SSPN Prime through the myPTPTN app, direct debit, or through salary deduction. Or earn ten draws every time you deposit RM50 into Simpan SSPN Plus through the same three methods above.</p>
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<h2>Ready to build a bright future for your children? Start depositing into <a href="https://www.ptptn.gov.my/CabutanWOW2024/" target="_blank" rel="noopener">Simpan SSPN</a> today!</h2>
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<p>Learn more about Cabutan WOW! Simpan SSPN 2024 on their <a target="_blank" rel="nofollow noopener" href="https://www.ptptn.gov.my/CabutanWOW2024/">website</a>.</p>
<p><a target="_blank" rel="nofollow noopener" href="https://www.ptptn.gov.my/CabutanWOW2024/wp-content/uploads/2024/01/Terma-Syarat-Cabutan-WOW-Simpan-SSPN-2024_Final-1.pdf"><i>Terms and conditions</i></a><i> apply.</i></p>
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<h2>For more #education stories:</h2>
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<p>But&#8230; cost of living is high.</p>
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<h6><a href="https://says.com/my/lifestyle/ptptn-kempen-bayar-balik" class="ga-curator-related">7 Simple Steps To Help You Manage Your Finances And Repay Debts Like PTPTN Loans</a></h6>
<p>PTPTN is offering a 15% discount on loan repayments until  31 Mac 2024.</p>
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<h6><a href="https://says.com/my/lifestyle/ptptn-tax-deduction-parents-sspn" class="ga-curator-related">Parents, You Can Get Up To RM8,000 In Tax Relief By Depositing Into Simpan SSPN</a></h6>
<p>You can also stand to win cash prizes with Cabutan WOW! Y.E.S and Cabutan Tahunan! 😀</p>
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[QUIZ] Tell Us Your Everyday Spending Habits & We'll Guess How Rich You'll Be In 20 Years

[QUIZ] Tell Us Your Everyday Spending Habits & We’ll Guess How Rich You’ll Be In 20 Years

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<p><p><i>Follow us on </i><i><a target="_blank" rel="nofollow noopener" href="https://www.instagram.com/saysdotcom/">Instagram</a></i><i>, </i><i><a target="_blank" rel="nofollow noopener" href="https://www.tiktok.com/@saysdotcom">TikTok</a></i><i>, and </i><i><a target="_blank" rel="nofollow noopener" href="http://t.me/saysdotcom">Telegram</a></i><i>&nbsp;for the latest stories and breaking news.</i></p>
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<p><p><i>This Spotlight is sponsored by Shell.</i></p>
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<h2>Shell is running a campaign this CNY that you won&#8217;t wanna miss!</p>
<p>In fact, customers can stand a chance to walk away with their share of 88 gold coins every week just by spending at Shell Stations.</h2>
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<p><p>The <b>Shell Win 88 Gold Coins Weekly</b> contest is happening from now to 29 February, giving Shell customers the perfect opportunity to strike gold and win big!</p>
<p>So far, so many Malaysians have won already, and you could be next. 😀</p>
</p>
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<div class="fitvidWrapper"><iframe loading="lazy" src="https://www.facebook.com/plugins/video.php?height=476&#038;href=https%3A%2F%2Fwww.facebook.com%2FShell%2Fvideos%2F788087076461973%2F&#038;show_text=false&#038;width=476&#038;t=0" width="476" height="476" style="border:none;overflow:hidden" scrolling="no" frameborder="0" allowfullscreen="true" allow="autoplay; clipboard-write; encrypted-media; picture-in-picture; web-share" allowFullScreen="true"></iframe></div>
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<h2>All you need to do is spend at any Shell Select, Shell deli2go, or Shell Café nationwide, and you&#8217;ll be part of a weekly lucky draw to win a gold wafer coin, woah!</h2>
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<p>Whether you&#8217;re stopping for a quick bite while pumping petrol, getting your daily coffee fix, or just stocking up on essentials on the way home, you&#8217;ll stand a chance to&nbsp;win one gold coin a week when you spend at Shell!</p>
<p>How it works is pretty simple — just use your Shell App to make a minimum purchase of RM15 in a single receipt, then scan the Shell App QR code or your BonusLink card to gain immediate entry for the contest, yayy! You can also track your entries within the app&#8217;s contest section seamlessly.</p>
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<p><b>Here&#8217;s a closer look at how you can earn more entries:</b><br />&#8211; Pay with your Shell App QR (1x entry)<br />&#8211; Use exclusive promotions on the Shell App (3x entries)<br />&#8211; Include any Shell Café drinks in your purchase (5x entries)</p>
<p>Do note that entries cannot be stacked for a single purchase — you&#8217;ll be awarded the highest possible entry option based on your purchase.</p>
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<h2>But that&#8217;s not all, &#8217;cause the Shell App comes with other benefits too</h2>
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<p><p>Every week, Shell will be rolling out a range of exciting weekly offers and deals for customers exclusively on the Shell App, including discounts on snacks and beverages at Shell Select and Shell Café.</p>
<p>For instance, if you&#8217;re a coffee lover, you&#8217;ll be pleased to know that the Shell App has a coffee tracker, where you&#8217;ll get a free beverage for every four cups you buy.</p>
<p>With a few weeks to go, you won&#8217;t wanna miss your chance at making this festive season a memorable and rewarding one with Shell!</p>
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<h2>Download the Shell App on the <a href="https://apps.apple.com/my/app/shell-asia/id1539429518" target="_blank" rel="noopener">App Store</a> or <a href="https://play.google.com/store/apps/details?id=com.shell.sitibv.shellgoplusindia" target="_blank" rel="noopener">Google Play</a> today, and don&#8217;t miss your chance to <a href="https://www.shell.com.my/motorists/promotions/win88goldcoinweeklycontest.html" target="_blank" rel="noopener">win your share of 88 gold coins weekly</a> at Shell stations, woohoo!</h2>
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<h2>For more <a href="https://says.com/my/lifestyle" target="_blank" rel="noopener">#lifestyle</a> stories:</h2>
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<p>Payment was easy and secure, and we got to earn points too!</p>
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<h2>Got some cool brand news to share?</h2>
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<p>                <small class="img-credit">Image via <a target="_blank" href="null" rel="noopener">SAYS</a></small>
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<p><p>Take a look at all our Spotlight stories to date <a target="_blank" rel="nofollow noopener" href="https://says.com/my/stories/tagged/saysspotlight">here</a>.</p>
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<h2>Catch up on the latest brand buzz in Malaysia:</h2>
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<p>Whether you&#8217;re having the mid-day slump, feeling stressed after a long day, or finding it hard to falling asleep, these supplements have gotchu covered!</p>
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<p>From small memories to life-changing experiences, Sunway has been a big part of many Malaysians&#8217; lives.</p>
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<p>Every homebuyer who has their loan approved and SPA signed will get to bring home vouchers!</p>
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</article>


Malaysians Have Been Winning Gold Coins At Shell Stations! Here's How You Could Too

Malaysians Have Been Winning Gold Coins At Shell Stations! Here’s How You Could Too

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<p><p><i>Follow us on <a target="_blank" rel="nofollow noopener" href="https://instagram.com/saysdotcom">Instagram</a>,&nbsp;<a target="_blank" rel="nofollow noopener" href="https://tiktok.com/@saysdotcom">TikTok</a>, and&nbsp;<a target="_blank" rel="nofollow noopener" href="https://whatsapp.com/channel/0029VZzynzi6RGJG0QbRfy3O">WhatsApp</a>&nbsp;for the latest stories and breaking news.</i></p>
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<h2>Meet Nafili, a 21-year-old who hails from an Orang Asli village in Gua Musang, Kelantan</h2>
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<p>                <small class="img-credit">Image via <a target="_blank" href="null" rel="noopener">SOLS Foundation</a></small>
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<p>After dropping out of high school at the age of 15, Nafili&#8217;s opportunities were limited. He was only able to earn RM700 to RM800 a month collecting and loading palm fruit, and the laborious work took a toll.</p>
<p>Nevertheless, things started to change for Nafili when he got a second chance through the <b>SOLS Foundation Solar Academy </b>scholarship.</p>
<p>The programme not only provided him with education, but also an opportunity to work in the solar industry. While his journey had its ups and downs, Nafili saw a gradual transformation as he ventured into practical training and personal development. Once shy and hesitant, Nafili now confidently interacts with clients and seeks professional advice on site, while learning to be resilient when facing challenges.</p>
<p>Nafili also makes almost three times more than he did before, and is able to contribute to his family financially. Speaking to SAYS, Nafili said that he hopes to save up for a motorcycle, rent a room, build an emergency fund, and contribute more to his family in the next two years.</p>
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<h2>This is just one of many impact stories from SOLS Foundation Solar Academy, which offers a year-long full scholarship programme for students from low-income families</h2>
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<p>SOLS Foundation, which used to be called SOLS 24/7, is a non-profit organisation that aims to serve and empower the B40 community with free education, personal development, and employment support.</p>
<p>The Solar Academy is one of SOLS Foundation&#8217;s scholarship programmes that helps underserved students get a headstart in the solar industry. So far, over 600 students have completed the programme, most of which are from Orang Asli and Orang Asal communities.</p>
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<p>                <small class="img-credit">Image via <a target="_blank" href="null" rel="noopener">SOLS Foundation</a></small>
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<p>How it works is that students will go through three months of classroom theory training, three months of on-the-job practical training, and six months of practical training in the solar industry.</p>
<p>The Solar Academy provides students with 100% free education, certification, food, allowance, and accommodation throughout the year-long programme.</p>
<p>What&#8217;s cool is that those who successfully go through the programme will get certified and be offered a secure job placement in rooftop solar equipment installation, with a minimum monthly salary of RM1,500 to RM1,800.</p>
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<p>                <small class="img-credit">Image via <a target="_blank" href="null" rel="noopener">SOLS Foundation</a></small>
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<h2>For individuals like Fuad and Jeprin Rasdu, their time at the Solar Academy was not only a lifeline, but a stepping stone to greater things</h2>
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<p>&#8220;SOLS Foundation didn&#8217;t just offer me a job, it nurtured dreams and aspirations,&#8221; said Fuad, who is currently a Project Coordinator for the Green Impact Team.</p>
<p>Despite finding it hard to keep up with the physical demands of a solar panel installer, Fuad pressed on and explored an administrative role within another department. Now, he&#8217;s part of the team that handles corporate social responsibility (CSR) projects like installing solar panels in off-grid areas.﻿</p>
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<p><p>As for Jeprin Rasdu, who has been with SOLS Foundation for 13 years, he rose through the ranks from a student all the way to becoming a manager at SOLS Energy, the organisation&#8217;s home solar company.</p>
<p>&#8220;I started in SOLS as a student, then a trainer. Now, I&#8217;m at SOLS Energy as the Logistics Manager. SOLS has given me a lot of opportunities and development, even up till now,&#8221; he shared.</p>
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<h2>Besides offering underserved students a chance at a new career, SOLS Foundation Solar Academy closes the loop by <a href="https://says.com/my/news/lights-for-life-orang-asli-kampungs-in-need-of-donations-to-put-up-solar-panels" target="_blank" rel="noopener">bringing solar energy to villages</a> that Orang Asli and Orang Asal students come from</h2>
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<p>A lot of what the Solar Academy does is made possible thanks to generous contributions from the public and sponsors like UOB Malaysia.</p>
<p>These contributions not only go towards training students throughout the year-long programme, but also extend to fund the organisation&#8217;s CSR efforts that impact communities and change lives. Ultimately, SOLS Foundation is extremely grateful for long-term donors and partners that allow them to continue making free education a reality for the B40 community.</p>
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<h2>SOLS Foundation Solar Academy is currently open for its 2024 intake, and interested individuals can apply by filling this <a href="https://forms.gle/mmJhE7bxq2swi1YC8" target="_blank" rel="noopener">form</a></h2>
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<p>Your application will be reviewed, and if shortlisted, you’ll be called for an interview. Slots for the 2024 intake are still available, so make sure you don&#8217;t miss out on this amazing opportunity.</p>
<p>You can also donate to SOLS Foundation on their <a target="_blank" rel="nofollow noopener" href="https://donate.sols247.org/">website</a>&nbsp;or explore potential corporate partnerships by contacting them&nbsp;<a target="_blank" rel="nofollow noopener" href="https://www.sols247.org/partners">here</a>.﻿</p>
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<p>&#8220;I was a little doubtful at first. Where in the world would there be such a kind restaurant owner?&#8221; he asked.</p>
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<p>&#8220;I&#8217;ve been eating nasi lemak here since I was seven years old,&#8221; he said.</p>
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This Local NGO Is Helping B40 Students Kickstart Their Career In The Solar Industry

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<h2>Calling all gamers, casters, fans, and media members! Are you excited for the first-ever Malaysia Esports Awards happening on 27 January?</h2>
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<p>The Malaysia Esports Awards is less than two weeks away, and will be bringing the brightest and most remarkable contributors to the Malaysian esports industry all under one roof.</p>
<p>Taking place at Putrajaya International Convention Centre (PICC), the awards ceremony is organised by Alive Asia Events, in collaboration with the Ministry of Youth and Sports (KBS), Malaysia Esports Federation (MESF), and EsportsIntegrated (ESI).</p>
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<h2>The Malaysia Esports Awards has unveiled all 16 award categories, and we can&#8217;t wait to see who will be crowned Malaysia&#8217;s top gamers!</p>
<p>Check out the full list of awards below:</h2>
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<p>Voting for the award category nominations has already taken place, with the final award recipients to be determined by a panel of judges.</p>
<p>To ensure fairness and transparency in the selection process, the Malaysia Esports Awards has handpicked 22 judges from government agencies, associations, non-governmental organisations (NGOs), and other stakeholder groups.</p>
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<h2>All 22 of the judges for the inaugural Malaysia Esports Awards are experienced and knowledgeable individuals in the world of esports</h2>
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<p><b></b>Some of the names you may recognise include professional esports commentator and host <b>Farouq (a.k.a. Flava)</b>, founder of MAB Esports <b>Abang Lord</b>, and founder of Esukan.gg <b>MasterRamen</b>, among others!<b></b></p>
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<h2>You can catch the Malaysia Esports Awards live on social media, so make sure to mark your calendars for 27 January!</h2>
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<p>Get the latest updates about the event on the Malaysia Esports Awards&#8217; <a target="_blank" rel="nofollow noopener" href="https://facebook.com/malaysiaesportsawards">Facebook</a>, <a target="_blank" rel="nofollow noopener" href="https://instagram.com/malaysiaesportsawards">Instagram</a>, <a target="_blank" rel="nofollow noopener" href="https://tiktok.com/@malaysiaesportsawards">TikTok</a>, and <a target="_blank" rel="nofollow noopener" href="https://youtube.com/@MalaysiaEsportsAwards">YouTube</a> pages.</p>
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Malaysia's First-Ever Esports Awards Will Feature 16 Categories And A Panel Of 22 Judges

Malaysia’s First-Ever Esports Awards Will Feature 16 Categories And A Panel Of 22 Judges

HONOR

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<h2>The highly anticipated HONOR Magic V2 has now arrived in Malaysia, and is setting a new standard for foldable smartphones</h2>
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<p>Recently launched on 16 January, the HONOR Magic V2 is the world&#8217;s first foldable phone with a thickness of less than 1cm when folded.</p>
<p>Besides its slim, lightweight design, the innovative smartphone still manages to pack a 5,000mAh silicon carbon battery for exceptionally long battery life. The HONOR Magic V2 is also sturdy and able to withstand at least 400,000 folds, addressing any concerns regarding its durability.</p>
<p>Following its initial launch in China, the HONOR Magic V2 has already produced over a million units of the phone, and has become the top-selling foldable smartphone (25% market share) in the Chinese market, according to market analysis firm <a target="_blank" rel="nofollow noopener" href="https://omdia.tech.informa.com/OM119902/Honors-annual-cumulative-production-of-its-foldable-smartphones-surpassed-1-million-units-on-November-23#:~:text=The%20Honor%20Magic%20V2%20also,end%20series%20during%20this%20period.">Omdia</a>.</p>
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<p>                <small class="img-credit">Image via <a target="_blank" href="null" rel="noopener">HONOR</a></small>
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<h2>Pre-orders are now open for the HONOR Magic V2 — which is priced at RM6,999 — and the response has been overwhelming so far</h2>
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<p><p>According to market intelligence firm IDC, slimness is one of the key purchasing factors for customers on the lookout for foldable smartphones, and the HONOR Magic V2 fits the bill.</p>
<p>In fact, HONOR&#8217;s latest flagship&nbsp;breaks away from the conventional idea of &#8220;combining two screens into one&#8221;, which is the case for most foldable smartphones. Instead, the HONOR Magic V2 splits the bar phone into two, making it extra slim — even slimmer than some standard smartphones when folded.</p>
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<p>                <small class="img-credit">Image via <a target="_blank" href="null" rel="noopener">HONOR</a></small>
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<p>The brand says that in China, the HONOR Magic V2 has already convinced many users to change from standard smartphone to foldable smartphones.</p>
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<h2>One of the key drivers behind HONOR&#8217;s latest innovation is their global research and development (R&#038;D) team, which includes 8,000 professionals around the world</h2>
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<p><p>In fact, HONOR invests 10% of its annual revenue into R&amp;D, enabling the creation of revolutionary products like the HONOR Magic V2 that incorporates 210 patented technologies into its entire body.</p>
<p>A major highlight of the HONOR Magic V2 is how it achieves an astonishing 4.7mm thickness when unfolded — this measurement is even thinner than a typical USB-C port! Besides that, the flagship smartphone uses cutting edge technologies like a silicon-carbon battery, risk-free dimming eye-care screen, and falcon capture camera.</p>
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<p>                <small class="img-credit">Image via <a target="_blank" href="null" rel="noopener">HONOR</a></small>
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<h2>In terms of durability and everyday use, HONOR is confident its device can last for up to 10 years, even if users fold their phones 100 times a day</h2>
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<p><p>The foldable smartphone has earned the SGS High Reliability Folding Quality Gold Standard Certification, and is capable of folding over 400,000 times.</p>
<p>Furthermore, the HONOR Magic V2&#8217;s external screen uses the second generation nanocrystal glass, which offers 10 times stronger drop resistance* compared to regular glass. It is also certified with 5-Star Drop Resistance Certification from SGS.</p>
<p><i>*Data comes from the HONOR lab. The drop-resistant level is tested by comparing the second-generation nanocrystal glass with ordinary glass on carriers of the same weight. As a precision electronic product, a mobile phone is still at risk of damage if dropped. Please take care to avoid drops and collisions.</i></p>
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<p>                <small class="img-credit">Image via <a target="_blank" href="null" rel="noopener">HONOR</a></small>
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<h2>Customers will get to enjoy free gifts worth up to RM3,247 when they pre-order the HONOR Magic V2</h2>
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<p><p>Pre-order from now to 24 January and bring home exclusive free gifts worth up to RM3,247 consisting of the HONOR Choice Cleaner Robot, Foldable Phone Gravity Car Phone Holder, and HONOR 365-day Screen Protection.</p>
<p>HONOR is the first brand to offer a 365-day Screen Protection plan in the foldable market. If the internal and external screens are damaged within 180 days of purchase, buyers can get a free screen replacement. For damage that happens within 365 days of purchase, you can get a one-time 50% discount for the replacement screen.</p>
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<p>                <small class="img-credit">Image via <a target="_blank" href="null" rel="noopener">HONOR</a></small>
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<h2>Get your pre-orders in for the HONOR Magic V2 today, and visit their <a href="https://www.hihonor.com/my/shop/new-launch" target="_blank" rel="noopener">website</a> for more information</h2>
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<h2>For more <a href="https://says.com/my/tech" target="_blank" rel="noopener">#tech</a> stories:</h2>
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<p>Out of the top 10 searched smartphones on Google, HONOR appeared three times!</p>
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<p>The inaugural esports awards ceremony will be presenting awards from 13 categories.</p>
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<p>Never miss another important meeting or task again.</p>
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HONOR Magic V2: The World's Thinnest And Lightest Foldable Is Now Available In Malaysia

HONOR Magic V2: The World’s Thinnest And Lightest Foldable Is Now Available In Malaysia

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<p><p><i>This Spotlight is sponsored by LBS Bina Group.</i></p>
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<h2>What better way to embrace the auspicious Year of the Dragon than with a brand new home? 😀</h2>
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<p><p>This 2024, LBS Bina Group is inviting homebuyers to welcome and usher in new fortunes with its vast selection of properties, along with all kinds of amazing promotions.</p>
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<h2>Well, you&#8217;ll wanna make sure you prepare a dragon&#8217;s appetite, because LBS Bina is giving away Prosperity Vouchers worth up to RM238,800 as part of its &#8216;Dragon&#8217;s Feast&#8217;, woohoo!</h2>
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<p>As part of LBS Bina&#8217;s Dragonlicious offerings, you&#8217;ll get to enjoy free legal fees, low booking fees, loyalty rewards, flexi payment schemes, zero exit fees, and furnishing packages (for selected projects) from now to 29 February.</p>
<p>But the real excitement begins once you&#8217;ve gotten your loan approved and signed your sales and purchase agreement (SPA), &#8217;cause that&#8217;s when you&#8217;ll get bring home your <i>dragon&#8217;s</i> share of Prosperity Vouchers, worth up to RM238,800, hehe.</p>
<p>Ranging from lifestyle and healthcare to home improvement and childcare brands, LBS Bina has an extensive list of LBS Perk &amp; Plusses Partners that will be part of the &#8216;Dragon&#8217;s Feast&#8217;, and every homebuyer will receive RM800 worth of vouchers each. From 1 March to 30 April, you&#8217;ll have the option of redeeming items from all these partners until you reach your RM800 limit.</p>
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<h2>If you&#8217;re not sure where to begin looking, LBS Bina&#8217;s new high-rise development within the southern gem of Johor Bahru offers units starting from RM300,900*</h2>
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<p><p>Nestled in the sprawling township of Molek and Johor Jaya is <b>Pangsapuri Saujana Indah</b>, with an auspicious 988 units spread across two towers and 37 floors.<br /><b></b><br />The residence is easily accessible via major highways, including the North-South Expressway, new coastal highway to Iskandar Puteri, Pasir Gudang Highway, Eastern Dispersal Link Expressway (EDL), JB East Coast Highway, and Senai-Desaru Highway.</p>
<p>Plus, what&#8217;s great is that it&#8217;s only 20 minutes from the Custom &amp; Immigration Quarantine Complex (CIQ), making it convenient if you frequently travel to Singapore.</p>
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<p><p>Pangsapuri Saujana Indah offers units ranging from 590 sq ft to 893 sq ft, with practical layouts and access to an array of well thought out facilities.</p>
<p>For instance, residents can enjoy a swimming pool, kids playground, multipurpose hall, surau, BBQ station, sunken outdoor court, basketball court, and more. There is also an outdoor park nearby, along with many lifestyle amenities to explore within Johor Jaya city.</p>
<p>Ultimately, Pangsapuri Saujana Indah offers the perfect combination of affordability and convenience, making it ideal for families and professionals looking for a place to call home in Johor Bahru.</p>
<p><i>*After bumiputera discount.</i></p>
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