Nabil Luqman

71ae91dc3b1a84099376c66b53daea9d4bfb25a2eed6bd60aba27158de545a0d

Young Money Idea

Singapore

Future

Jobs

Online

Crypto

Remote Working

New Opportunities

Malaysia Jobs

Online Currency

Are you a crypto enthusiast? Well, it seems like there may be opportunities for you coming soon here in Malaysia.
Crypto.com which is a cryptocurrency exchange app which is based in Singapore appears to be expanding it&rsquo;s workforce into Malaysia. According to a report by Rnggt, the company had released several vacancies for a full-time position in their company on LinkedIn.
For those who don&rsquo;t know about crypto.com, their app serves as a one-stop platform for users to access, buy, manage and sell their different types of cryptocurrency. In fact, the company also offers users a Visa prepaid card of varying tiers which allows users to spend their cryptocurrency under the company&rsquo;s own CRO native token.
<img src="https://c.tenor.com/Cc2EQtVXcTUAAAAC/how-interesting-coffee.gif" />
&nbsp;
Recently, the app had launched their NFT Marketplace where users can showcase their artwork or even buy and sell items.
What are the available positions in the company?
<img src="https://cdn1.myc.com.my/image/upload/v1648539118/unsigned/ftftrfnilzyspbfgjmud.jpg" />
&nbsp;
Currently, one of the higher positions in offer would be the General Manager position where they will have to plan out the company&rsquo;s strategy, introduction and many more. Aside from that, there are management-based roles, talent acquisition, android app development, creative growth and many more.
On a side note, there&rsquo;s no saying if the jobs will require you to be in office as of now as we don&rsquo;t know if the company plans to open up a local office. The current jobs on offer are all listed as a remote job so you can be anywhere to do it as long as you have decent internet connection.
<img src="https://i.pinimg.com/originals/fd/a7/c0/fda7c018db9a09ff0ed234957e9b25b9.gif" />
&nbsp;
It does look like the company is really growing in the local scene and it will likely be competing against many other digital assets exchanges which have already been established in Malaysia.
I mean, look at them. Their company had also been spotted as one of the global partners in Formula 1 which is a billion-dollar industry.
<img src="https://cdn1.myc.com.my/image/upload/v1648539303/unsigned/lwcuwz9flwb77vewwywp.jpg" />
&nbsp;
With the future leaning into crypto, do you think it&rsquo;s a good idea to start investing into it now? Let us know your thoughts in the comments.
&nbsp;
*Sources: Visual and Reference Credits to Social Media, Rnggt, AutoSport &amp; various cross references for context.
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Positions are now open in LinkedIn + they are offering remote working.

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Crypto.com Is Entering The Malaysian Market & They Are Looking To Hire

Everyone knows the struggle of finding parking in a shopping mall on a weekend.
But the one thing many Malaysians love is the convenience of how we have Touch &lsquo;n Go to pay for parking cause it&rsquo;s super convenient. Many of us now live in the era of cashless transactions and sometimes we don&rsquo;t even bring cash around with us anymore.
<img src="https://cdn1.myc.com.my/image/upload/v1656491718/unsigned/chv27t3ddxcderwhrhem.jpg" />
&nbsp;
But if you&rsquo;re one to go to 1 Utama, you&rsquo;ll know that out of all the biggest malls in Malaysia and it still does not support TnG payments as they have their own parking payment card known as ONECARD.
It all started with a TikTok
As jokes can be fun and all, TikTok user Ping Zhi Chuah took the opportunity to make a TikTok stating about the struggles of going to 1 Utama without small change.
*Warning foul language used
<blockquote class="tiktok-embed" style="max-width: 605px; min-width: 325px;" cite="https://www.tiktok.com/@iamcpz/video/7077779316079136027" data-video-id="7077779316079136027">
<section><a title="@iamcpz" href="https://www.tiktok.com/@iamcpz" target="_blank" rel="noopener">@iamcpz</a> Y u do dis 1U? <a title="parkinglot" href="https://www.tiktok.com/tag/parkinglot" target="_blank" rel="noopener">#parkinglot</a> <a title="autopay" href="https://www.tiktok.com/tag/autopay" target="_blank" rel="noopener">#autopay</a> <a title="1utama" href="https://www.tiktok.com/tag/1utama" target="_blank" rel="noopener">#1utama</a> <a title="problems" href="https://www.tiktok.com/tag/problems" target="_blank" rel="noopener">#problems</a> <a title="♬ Funeral Music - Bobby Cole" href="https://www.tiktok.com/music/Funeral-Music-6716039644095465474" target="_blank" rel="noopener">♬ Funeral Music - Bobby Cole</a></section>
</blockquote>

<script async="" src="https://www.tiktok.com/embed.js"></script>

Ping had no small change and used a RM20 note to pay for his parking and in return, rather than getting notes back, he received RM18 of change in 50 cent coins (which were all new and shiny). The TikToker showed his frustration in a joking way saying how he now has all the coins while holding it in his hand.
Taking an opportunity
After that went viral, our favourite meme site MGAG took the opportunity to jokingly roast 1 Utama for not having TnG as one of their cashless parking options.
<img src="https://cdn1.myc.com.my/image/upload/v1656491756/unsigned/ivbftk6to1ftzrhpfl99.jpg" />
&nbsp;
But today the joker gets outplayed as 1 Utama came back with the ultimate response to MGAG as they plugged a promo for their ONECARD parking system.
<blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/CfTc71ogScc/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="14">
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1 Utama said that they had a good laugh on the post and figured a meme would be just as good as a response for this type of situation.
A spokesperson from 1 Utama had also shared that they do not believe in monopolies and want to keep parking rates affordable and free of surcharges for their shippers. Plus, for those using ONECARD, shoppers can earn UPoints and convert them into parking credits.
Get a free ONECARD!
If you haven&rsquo;t gotten a ONECARD yet, it&rsquo;s time to do so as 1 Utama is giving out it out for free till the 30th of June. All you have to do is flash your social media posting at the Customer Service or Concierge to get it!
Netizens love the friendly banter between MGAG and 1 Utama
As how we saw success of meme post boosting promotional value of a place or product such as how everyone&rsquo;s favourite GSC admin and Mydin Twitter admin did, it really does help spread the love in the community.
Check out some of the comments by those on social media:
<img src="https://cdn1.myc.com.my/image/upload/v1656491828/unsigned/w1ojq4kcsw2kjgbxubdr.png" />
&nbsp;
Only those who go to 1 Utama know the convenience of the ONECARD parking. Time to grab yourself one I guess :D 
Despite loving TnG&rsquo;s convenience, I&rsquo;d rather pay for cheaper parking than having to fork out RM8 to RM20 for parking in a day. What are your thoughts on this? Let us know in the comments. 
&nbsp;
*Sources: Visual and Reference Credits to Social Media, TikTok, 1 Utama, MGAG &amp; various cross references for context.
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If you haven’t gotten yourself a ONECARD, get one now while it’s free!

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1 Utama Hits Back At MGAG After Roasting Them For Not Having TnG Parking

Are you really Malaysian if you can&rsquo;t speak multiple languages? Unlike other countries, most Malaysians are bilingual or even trilingual which makes us one of the unique countries out there as we are living in a multiracial &amp; multilingual society.
But what makes us just as unique is how each state has their own dialects which can sometimes confuse most people, even locals. Have you tried having a full conversation with a Kelantanese person? Omg I always struggle to understand half the things they are saying.
The good thing about being able to speak multiple language is that it helps strengthen yourself in the working world and even the talent world.
A grab driver in Sarawak had posted a video on TikTok where he stole the spot light with his &ldquo;ability&rdquo; to speak another language. Typically, we don&rsquo;t see Malays talking in Mandarin or any other Chinese dialects but this got netizens impressed&hellip; and confused.
<blockquote class="tiktok-embed" style="max-width: 605px; min-width: 325px;" cite="https://www.tiktok.com/@pakwerangers405/video/7113753041467231515" data-video-id="7113753041467231515">
<section><a title="@pakwerangers405" href="https://www.tiktok.com/@pakwerangers405" target="_blank" rel="noopener">@pakwerangers405</a> itu tokey memang tidal dapat tido fikir apa dia cakap....<a title="sarawaktiktok" href="https://www.tiktok.com/tag/sarawaktiktok" target="_blank" rel="noopener">#sarawaktiktok</a> <a title="fypシ" href="https://www.tiktok.com/tag/fyp%E3%82%B7" target="_blank" rel="noopener">#fypシ</a> <a title="fyp" href="https://www.tiktok.com/tag/fyp" target="_blank" rel="noopener">#fyp</a> <a title="tiktokmalaysia" href="https://www.tiktok.com/tag/tiktokmalaysia" target="_blank" rel="noopener">#tiktokmalaysia</a><a title="tiktok" href="https://www.tiktok.com/tag/tiktok" target="_blank" rel="noopener">#tiktok</a> <a title="♬ original sound - PAKWE_RANGERS405" href="https://www.tiktok.com/music/original-sound-PAKWERANGERS405-7113753060363488026" target="_blank" rel="noopener">♬ original sound - PAKWE_RANGERS405</a></section>
</blockquote>

<script async="" src="https://www.tiktok.com/embed.js"></script>

Off the get go, it&rsquo;s impressive that a non-Chinese person can confidently and fluently talk the language but as you can see in the video, even the uncle at the stall was also left in a state of shock when trying to communicate with him. The man was too stunned to speak.
One possible reason why most of us wouldn&rsquo;t understand the language is due to the Grab driver speaking in a local dialect which only Sarawakians can understand or is because he really isn&rsquo;t talking in a mandarin?
Not the first time the rider went viral on TikTok
Not too long ago, he had also gone viral when speaking Mandarin while at a motorcycle workshop. Although the Chinese man in the video didn&rsquo;t seem to understand what he&rsquo;s trying to say, his friends definitely had a good laugh as they were amazed at his speaking skills.
In fact, the video actually had 1.7 million views and 148.4K likes on it.
<blockquote class="tiktok-embed" style="max-width: 605px; min-width: 325px;" cite="https://www.tiktok.com/@pakwerangers405/video/7065574129675603226" data-video-id="7065574129675603226">
<section><a title="@pakwerangers405" href="https://www.tiktok.com/@pakwerangers405" target="_blank" rel="noopener">@pakwerangers405</a> bila aku cakap bahasa cina....org cina sendiri x faham apa aku cakap...<a title="kuchingtiktok" href="https://www.tiktok.com/tag/kuchingtiktok" target="_blank" rel="noopener">#kuchingtiktok</a> <a title="fypシ" href="https://www.tiktok.com/tag/fyp%E3%82%B7" target="_blank" rel="noopener">#fypシ</a> <a title="tiktoksarawak" href="https://www.tiktok.com/tag/tiktoksarawak" target="_blank" rel="noopener">#tiktoksarawak</a> <a title="fyp" href="https://www.tiktok.com/tag/fyp" target="_blank" rel="noopener">#fyp</a> <a title="♬ bunyi asal - pakwerangers405 - PAKWE_RANGERS405" href="https://www.tiktok.com/music/bunyi-asal-pakwerangers405-7065574137498045210" target="_blank" rel="noopener">♬ bunyi asal - pakwerangers405 - PAKWE_RANGERS405</a></section>
</blockquote>

<script async="" src="https://www.tiktok.com/embed.js"></script>
Do many Malaysians speak a Chinese language?
<img src="https://www.sunway.com.my/stories/wp-content/uploads/2019/09/malaysians-who-did-malaysia-proud-1.jpg" alt="Malaysians Who Did Malaysia Proud" />
&nbsp;
To be fair, most schools in Malaysia teach Mandarin primarily, in comparison to the other Chinese dialects.
In Malaysia, Chinese languages vary from Mandarin to other dialects such as Cantonese, Hakka and Hokkien. These dialects may also further vary upon the state you live in and family upbringings. At the moment, there is around 22.4% of Chinese ethnicity living in Malaysia but it doesn&rsquo;t specificy how many of them could speak which language / dialects as some classify themselves as a &ldquo;banana&rdquo; (unable to speak ANY Chinese language / dialect).
Well, after passing my headphones to my intern&hellip; well I&rsquo;ll just put this gif down below as an reenactment of his reaction.
<img src="https://media2.giphy.com/media/wIxBzHWegpOUM/giphy.gif?cid=ecf05e47tytgym2h5loccku8n2z7as0oavk1yvl58liwdiob&amp;rid=giphy.gif&amp;ct=g" alt="wtf GIF" />
&nbsp;
I guess we can say this isn&rsquo;t truly a Chinese dialect (at least according to him) but hey it&rsquo;s still entertaining. What do you think of this? Let us know in the comments.
&nbsp;
*Sources: Visual and Reference Credits to Social Media, TikTok &amp; various cross references for context.
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At first, you’ll be impressed till you realise what he’s actually saying 🗿😅

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Netizens Stunned At Sarawakian Grab Rider Speaking Mandarin?

If you ask Malaysians what do we all have in common, for sure someone will answer is that we all love to eat. No matter where you go, there&rsquo;s always something delicious to eat around the corner at almost any time of the day.
<img src="https://media4.giphy.com/media/tto9ax6TYcYslqXUxc/giphy.gif?cid=790b7611a45faa04bf746d1b0f6a1339341fb8e04760629f&amp;rid=giphy.gif&amp;ct=g" alt="Episode 2 Abc GIF by The Bachelorette" />
&nbsp;
But one thing that&rsquo;s difficult to handle is how people view our food and also maintaining the hygiene and cleanliness of the restaurant and the food. One slip up and a post on social media can mean the downfall of the restaurant as it is.
Recently, a customer took to Facebook having shared their bad experience at a restaurant in Kuala Lumpur as she came across a fishing hook while enjoying the meal with her family. Her father had found the hook inside the fish head embedded in a chunk of flesh.
<img src="https://cdn1.myc.com.my/image/upload/v1656472126/unsigned/k4rmy0otzil5n4zrmipb.png" /> My genuine reaction to show I&rsquo;d look if I find a fishhook in my meal. 
&nbsp;
&ldquo;Isn&rsquo;t it incredible? We found a fishing hook inside a fish head. Fortunately, my father didn&rsquo;t take a whole bite, and broke apart the flesh before finding the hook.&rdquo; she said.
As she was stunned, she had asked for the manager to make a report on the incident.
Manager blames distributor and not their restaurant
<img src="https://cdn1.myc.com.my/image/upload/v1656472142/unsigned/yrm52bsbs2wffdkaaui5.png" />
&nbsp;
The woman flagged one of the waiters and explained what would happen if other families did not discover the hook or if children were to share the meal. The waiter did apologise and said it was the kitchen&rsquo;s fault for being careless which is understandable.
But things took a twist when she went to pay for the meal, she questioned the manager in charge over the matter. However, the manager allegedly responded stating that &ldquo;it&rsquo;s not our fault, it&rsquo;s the supplier&rsquo;s problem.&rdquo;
<img src="https://i.gifer.com/8mx.gif" alt="Shocked face shocked sorprendido GIF on GIFER - by Lahuginn" />
&nbsp;
Even after this issue, the restaurant had only deducted 60 cents from the total bill as a form of &ldquo;compensation&rdquo;.
Report to JKN if ethics are not followed
The public is advised to immediately make a complain to the State Health Department (JKN) if people who sell food without complying with the ethics of preparation of the food.
Earlier in January 2022, a famous restaurant in Kelantan had been penalized under the Food Act 1983 for causing food hazards after a child had accidentally swallowed a nail which was used to seal the food packaging.
Read: <a href="https://myc.com.my/articles/852/child-undergoes-emergency-surgery-after-accidentally-eating-nail-from-the-famous-nasi-paku">Child Undergoes Emergency Surgery After Accidentally Eating Nail From The Famous &ldquo;Nasi Paku&rdquo;</a>
Looks like we&rsquo;ll have to be more careful when we eat outside. Sad to say the behaviour from the restaurant owner was truly disappointing and hope that no one will need to go through an issue like this again.
What are your thoughts on this? Let us know in the comments.
&nbsp;
&nbsp;
*Sources: Visual and Reference Credits to Social Media, TRP, Sin Chew &amp; various cross references for context.
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Not only did they not take responsibility for the incident but the restaurant only gave a 60 cent discount over the incident.

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Customer Finds Fish Hook In Food! Restaurant Blames Supplier Instead

Looks like things are getting a little spicy in the world of politics.
Many know that Pan-Malaysian Islamic Party (PAS) is an Islamist political party in Malaysia. Recently their Youth Chief Ahmad Fadhli Saari was in the spotlight as he came under heavy fire when he visited a cinema in KL.
<img src="https://cdn1.myc.com.my/image/upload/v1656402867/unsigned/gliaxs9fppjmjvsamwbi.jpg" />
&nbsp;
Many took to social media to point fingers at him after activist Khalid Mohd Ismath had accused the party of double standards.
&ldquo;When people asked to build a cinema in Kelantan, PAS says it was forbidden but PAS clerics went to see movies in KL and it&rsquo;s not haram.&rdquo;
<blockquote class="twitter-tweet">
Di Kelantan, bila rakyat minta bina panggung wayang, PAS kata haram tetapi ulama PAS pergi tengok wayang di KL tak pula haram. 😆😄😂. Binawe. <a href="https://t.co/ocEmoJJ0mo">pic.twitter.com/ocEmoJJ0mo</a>
&mdash; khalid Ismath (@khalidismath) <a href="https://twitter.com/khalidismath/status/1541037551405760512?ref_src=twsrc%5Etfw">June 26, 2022</a></blockquote>

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For those who didn&rsquo;t know, there is no cinemas at all in Kelantan and those who would want to watch a movie will need to head to Terengganu to do so. Ever since PAS ruled in 1990, the Lido Cinema along Jalan Pos Office Lama, Kota Bharu had closed down.
The best part of this whole issue is that Ahmad Fadli who is the Pasir Mas MP was also the man who had initially rejected the proposal to build a cinema in Kelantan back in 2016 due to cinemas being a source of maksiat (social ills).
<img src="https://i.gifer.com/S9tj.gif" alt="GIF are you serious - animated GIF on GIFER" />
&nbsp;
Malaysians call out the party
<img src="https://cdn1.myc.com.my/image/upload/v1656402916/unsigned/mf36g00emzr4a23wyglm.jpg" />
&nbsp;
What&rsquo;s political drama if there&rsquo;s no one calling the party out. Malaysians called PAS &ldquo;hypocrites&rdquo; as they had exploited the religion for personal gain.
<blockquote class="twitter-tweet" data-conversation="none">
PAS kan memang hipokrit. Dasar penunggang agama!
&mdash; Kuasa Melayu (@MelayuBangkit_) <a href="https://twitter.com/MelayuBangkit_/status/1541058822977880065?ref_src=twsrc%5Etfw">June 26, 2022</a></blockquote>

<script async="" src="https://platform.twitter.com/widgets.js" charset="utf-8"></script>

<blockquote class="twitter-tweet" data-conversation="none">
<a href="https://t.co/jxJ3UmCvqu">pic.twitter.com/jxJ3UmCvqu</a>
&mdash; GG (@matghafur) <a href="https://twitter.com/matghafur/status/1541229134659014656?ref_src=twsrc%5Etfw">June 27, 2022</a></blockquote>

<script async="" src="https://platform.twitter.com/widgets.js" charset="utf-8"></script>

<blockquote class="twitter-tweet">
Why should we buy the gold disc (Original) and not the purple disc (DVD-R) wei he yao goumai yuanzhuang guangdie (jin die) er bushi kelu ban guangdie (zi die) <a href="https://t.co/dfDK5m6dDP">pic.twitter.com/dfDK5m6dDP</a>
&mdash; memerang jantan (@abuqalaq) <a href="https://twitter.com/abuqalaq/status/1541258184542658560?ref_src=twsrc%5Etfw">June 27, 2022</a></blockquote>

<script async="" src="https://platform.twitter.com/widgets.js" charset="utf-8"></script>

<blockquote class="twitter-tweet" data-conversation="none">
haha..Dekat Kelantan, bagi rakyat Kelantan semua Haram. Bila keluar Kelantan Ulama jadi pencuri haram jadikan halal. Tempat maksiat pun jadi halal di luar Kelantan. Bila nak buang nafsu haram, mesti luar Kelantan.Hahaha..
&mdash; Twendran (@wtawen) <a href="https://twitter.com/wtawen/status/1541069512199794689?ref_src=twsrc%5Etfw">June 26, 2022</a></blockquote>

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PAS Selangor Youth speaks up on the situation
<img src="https://cdn1.myc.com.my/image/upload/v1656402966/unsigned/qmblk5wjk9wvtqvn1mbb.png" />
&nbsp;
Due to all the backlash, PAS Selangor Youth had stepped in to defend Ahmad Fadhli on Facebook. The only reason why he was at the cinema was due to him accepting the invitation to watch the new &ldquo;Mat Kilau&rdquo; film and wanted to show his support for it.
They also stated the cinema ban in Kelantan and watching movies in KL should be viewed as a separate matter and things like this should be judged in a fair manner. Meanwhile, they also stated that they still support the context of rejecting cinemas in Kelantan as the current day movies do not comply with the shariah and has loose regulations.
Well, that&rsquo;s one way to put it huh? I guess this is why the party has been losing support over the years. As highlighted by one Twitter user, the only reason why they are still in power is due to voters outside Kelantan coming back to the state just for the election.
<blockquote class="twitter-tweet" data-conversation="none">
yg buat pas bertahan sampai skrg pengundi luar duduk luar kelantan balik undi semata, balik kg hari raya.. tak tahu perit org kg sbb duduk bandar..
&mdash; A S (@aafiqshah) <a href="https://twitter.com/aafiqshah/status/1541058047828578304?ref_src=twsrc%5Etfw">June 26, 2022</a></blockquote>

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What are your thoughts on this? Let us know in the comments. 
&nbsp;
*Sources: Visual and Reference Credits to Social Media, Malaysiakini, PAS &amp; various cross references for context.
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The party was criticized and stated that visiting the cinema in KL and banning it in Kelantan should be viewed separately.

bafybeiguy3cpgd3nqzommsnl5qrxtixvl2sj47tmcwy3ilfqyssznrl5ge

PAS Youth Chief Slammed For Double Standards After Visiting Cinema To Watch “Mat Kilau”

What is the iconic triangular chocolate bar? Or, what chocolate bar has mountains on its packaging? Even more, what chocolate do you bulk buy after a family holiday from Langkawi? Right, most probably the first answer that crosses your mind is no other than Toblerone.&nbsp;
The mountain shaped chocolate bar, Toblerone will have to remove Switzerland from its packaging starting from 2023 as it will no longer be exclusively produced in its home country.
The triangular chocolate was produced in Bern, Switzerland which was established by the Tobler family factory in 1908.
However, Toblerone will open a new production line in Slovakia by the end of the year as a response to the growing demand, as mentioned by the brand's owner, American food giant Mondelez International.&nbsp;
Mondelez stated in an email to AFP that they will continue investing in the Bern plant. They also produce Mika and Suchard chocolates at the production line launch in Slovakia. It will unlock significant capacity at the Bern site that will eventually allow it to manufacture millions of additional bars.&nbsp;
"For legal reasons, the changes we are bringing to our production require us to adjust our packaging to comply with the Swiss law, particularly to remove the word 'Switzerland' from the packaging front," said Mondelez.&nbsp;&nbsp;
Toblerone produces seven billion chocolate bars a year, with 97% of the production exported to 120 countries. They are ubiquitous at airport duty-free shops. They come in five main flavours which are, chocolate, dark chocolate, white chocolate, crunchy almond, and fruit and nut. They also vary in size; from mini, standard centimetres, one metre long, jumbo, and to infinity (just kidding). Not just chocolate, they come in cakes too. Moreover, fun packs are also available according to the festive season or celebration.&nbsp;
<img src="https://i.pinimg.com/564x/fd/17/5a/fd175aff83b0070493f4ed20b7d05412.jpg" />
There is this, 
<img src="https://i.pinimg.com/originals/7b/1f/b1/7b1fb1c39ee854db8a5cc7c4753601d2.jpg" alt="10 Pound Toblerone Jumbo Chocolate Bar | Toblerone, Toblerone chocolate, Chocolate meme" />
But there is also this. LOL
<img src="https://eatbook.sg/wp-content/uploads/2019/12/Toblerone-Cake-Almondy.jpg" alt="Toblerone Chocolate Cream Cake Available In Singapore Under $10 - EatBook.sg - Singapore Food Guide And Review Site" />
Toblerone Cake
In sum, it is a give and take situation. Toblerone used to be my favourite chocolate because of the bits of nougats in it. My parents would buy it in bulk from Langkawi family trip. 
How are you feeling about missing the &lsquo;of Switzerland&rsquo; on their packaging? Let us know in the comments.
&nbsp;
*Sources: Visual and Reference Credits to Social Media, Kosmo, Utusan Digital &amp; various cross references for context.
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Opening a new production site in Slovakia, the packaging must be adjusted according to the Swiss law.

bafybeibd47h2jqcdugqy5rybqeigq774ps6encf37gmsdgrnuvb7m3sh2y

#BitterSweet: Toblerone To Remove ‘Of Switzerland’ Label On Their Packaging Starting From 2023

Everyone knows that Apple is a staple when it comes to brand identity out there. In fact, almost everyone wants an Apple product whether it being their iPhones, iPads or even the Macbook's.
But we all know one thing, to buy an Apple product, it could cost you an arm and a kidney. OK not really but it&rsquo;s really expensive and we undoubtedly know that.
<img src="https://c.tenor.com/vbD-reOsKf4AAAAC/spongebob-patrick.gif" alt="3 Dollars GIFs | Tenor" />
&nbsp;
Apple is now getting their hands into a financial service sector which allows customers to buy now and pay later (BNPL) scheme which is called Pay Later as an extension of Apple Pay (which is only available in the US for now).
The new feature will be rolling out with the upcoming iOS 16 this fall which will enable customers to make big purchases with instalments.
Read: <a href="https://myc.com.my/articles/1303/apple-announces-ios-16-and-heres-what-you-can-look-forward-to">Apple Announces iOS 16 And Here&rsquo;s What You Can Look Forward To!</a>
BNPL will allow users to split any purchases into four equal payments over the span of six weeks. The only condition is that customers are required to pay a quarter of the full amount upfront while the rest of the payments is made done every two weeks. For those who have Apple pay, the amount will be deducted out of the Wallet app either online or in-app using the Mastercard network.
<img src="https://cdn1.myc.com.my/image/upload/v1654848551/unsigned/ipbuqo8e5wzzrpbgnkqh.webp" />
&nbsp;
The best part of it is that those taking the instalment plans from Apple will have a zero-interest rate. This makes the deal more attractive to those who can&rsquo;t pay the one lump sum.
The more unforgiving end of this instalment plan is that it&rsquo;s the risk of the youth or younger audience who&rsquo;s at least 73% of their customers to miss payments (cause you know some of them don&rsquo;t manage their money properly). It was reported that at least 43% of the Gen Z consumers are likely to miss one payment which leads them to an overdraft fee.
As of now the exact mechanism for the BNPL loans has not been announced but Apple says they would decision will be made by their treasury department. As for some of Apple&rsquo;s financial ventures is still handled by Goldman Sachs who oversees the Apple Card credit card, a new subsidiary called Apple Financing LLC will later be handling Apple Pay.
Will banks be involved when needing to approve of credit loans?
<img src="https://cdn1.myc.com.my/image/upload/v1654848575/unsigned/vev6e1wl015xl1e3tjzv.webp" />
&nbsp;
&nbsp;
According to Apple, through this new subsidiary, they will be handling all the decisions and loans without a partner bank for its BNPL feature. As Apple Financing does not have a bank charter, Goldman Sachs and Mastercard will still be involved in the Pay Later scheme as they are qualified to issue the payment credentials.
Now the real question is if this scheme will be coming in Malaysia as Apple Pay is not available yet.
So, let us know your thoughts, would you rather be saving up for a one lump sum payment or do you prefer having to pay in instalments? 
&nbsp;
*Sources: Visual and Reference Credits to Social Media, Reuters, Apple &amp; various cross references for context.
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Thinking of getting an Apple product but you’re too broke? Perhaps the instalment plan with no interest could help!

4b465c4992b30c896e2d8ec129cd21a73719d89dd75987fda713a8a4d37559d3

Can't Afford An iPhone Now, But Want One Anyways? Apple Introduces 'Buy Now Pay Later' Scheme

With modern times now, there&rsquo; been a lot of businesses being done fully online now and less people have been going to ATMs and using cash outside.
Businesses such as micro, small and medium enterprises (MSMEs) should also adopt start adopting cashless transactions as it&rsquo;s fast + safe said Prime Minister Datuk Ismail Sabri Yaakob.
<img src="https://cdn1.myc.com.my/image/upload/v1650268399/unsigned/s515ljghlqrxw4aq3kuz.webp" />
&nbsp;
The Covid-19 pandemic had encouraged many methods of cashless payment and it&rsquo;s become common for many to not bring their wallets or cash out. In 2021 alone, ecash transactions alone amounted to RM50.5 Billion in comparison to RM29.6 Billion in 2020 he said.
&ldquo;This is the main reason why the ePemula programme is introduced. We want to encourage youth to embrace cashless transaction,&rdquo; he said when launching the ePemula initiative.
EPemula is another ecash programme set to benefit some two million youths and students in institutions of higher learning.
Under the programme, eligible youths between 18 and 20 as well as full-time students in institutions of higher learning will be given RM150 in ecash.
<img src="https://cdn1.myc.com.my/image/upload/v1650268411/unsigned/r7qbatwoxeu2qjrw1g7h.png" />
&nbsp;
Another factor for the introduction of the Epemula programme is to help ease the financial burden of the youth.
&ldquo;We hope youths will spend the credit given to them wisely and support local businesses, especially the micro, small and medium scale industry so that these businesses can recover.
&ldquo;With more businesses back on track, there will be more revenue for the government and more people, especially the B40 group, can be assisted,&rdquo; he added.
Youth is an important part of nation-building
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn1.myc.com.my/image/upload/v1650268424/unsigned/udwlcqcrbrzcpqazs411.jpg" />
&nbsp;
With many youths out there today, it&rsquo;s important to support them as they play a big role on how our country develops. Ismail Sabri also says that they need to be given opportunities to chart Malaysia&rsquo;s future.
The government will be drafting the National Youth Economic Empowerment Plan to further strengthen their roles in the development of the country.
Increasing number of businesses using ewallets
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn1.myc.com.my/image/upload/v1650268448/unsigned/y7bzv9untdxoozc8ko0z.webp" />
&nbsp;
Finance Minister Tengku Daruk Seri Zafrul Tengku Abdul Aziz mentioned that more shops have begun accepting payments via ewallets due to the pandemic.
Malaysia recorded a 60% increase in registrations for ecash, Duit Now and QR code transactions as of December 2021. Cashless transactions went up by 74.4% compared to 2020 as 1.1 billion such transactions were made in 2021.
Through the Epemula programme, Zafrul hopes that ecash payments will remain and support more digital financial initiatives.
&nbsp;
&nbsp;
*Sources: Visual and Reference Credits to Social Media, The Star &amp; various cross references for context.
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&nbsp;

In addition to going cashless, the ePemula programme was launched to enable youths to embrace more cashless transactions. 

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"Go Cashless!" Prime Minister Encourages Malaysians

It&rsquo;s been more than 2 years since the lockdown and things are still looking bad.
Malaysians are not the only one suffering from bad economy but in fact almost all of Asia and even other regions of the world are all suffering from the post pandemic phase.
If there&rsquo;s one thing that everyone can feel is the increase of goods whether it being daily necessities or even food.
<img src="https://cdn1.myc.com.my/image/upload/v1649913009/unsigned/st2qviicbul4x5hpiukq.jpg" />
&nbsp;
A famous hotpot restaurant in Beijing known as Ma Hong&rsquo;s Spicy Hotpot had been struggling to stay afloat since their opening in 2021. Due to the pandemic, the prices of beef had tripled and key ingredients now costing more than 50% of their original price.
"We sell it at the same price as before. Also with the impact of the Covid-19 pandemic, everybody is hanging in there. It is the same all over Beijing. We are not the only restaurant suffering," said the owner of the restaurant.
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn1.myc.com.my/image/upload/v1649913055/unsigned/icomoa596jiayx7kkw4d.png" />
&nbsp;
Many Asian restaurants including street food hawkers are now having an issue if they should just take the hit of the higher cost or passing them on which could risk them losing loyal customers.
Ukraine &amp; Russia war affecting supply chain
<img src="https://cdn1.myc.com.my/image/upload/v1649913078/unsigned/qowealpntzpzqhx9q8xf.webp" />
&nbsp;
With the war going on, it certainly didn&rsquo;t help the fact that the price of ingredients and materials had increased and affected the supply chain which was already struggling since the Covid-19 pandemic.
Let&rsquo;s put Asia to perspective, there are many stalls which sell delicious street food at an affordable price. It became popular to many households but with the price of goods increasing, many are feeling the pressure of expense usage.
In an interview with an owner of a biryani store in Kranchi, Pakistan, Mohammad Ilyas states that the price of a kilogram of the seasoned rice dish is costly as it&rsquo;s now 400 Pakistani rupees (~RM9.26).
<img src="https://cdn1.myc.com.my/image/upload/v1649913096/unsigned/gxqvlnhldf6he5miquyt.jpg" />
&nbsp;
Ilyas also noted that some businesses are dealing with the pressure of cutting portion sizes due to the expensive cost. A dish which was meant to be affordable to many had inflated so much that the poor can&rsquo;t afford to eat it.
Meanwhile in Jakarta, a nasi goreng street vendor, Syahrul Zainullah had to unfortunately reduce the size of his servings instead of raising the price. He also didn&rsquo;t want to opt out for lower grade ingredients in fear of losing the taste that many like.
<img src="https://cdn1.myc.com.my/image/upload/v1649913109/unsigned/mu8xa2ndxbpgc0mwbwv1.jpg" />
&nbsp;
Meanwhile al the way up in South Korea, inflation of vegetables has been hitting many sellers hard. Choi Sun-hwa who&rsquo;s a 67-year-old kimchi shop owner had shared that she used to be able to get 10 heads of cabbage for a particular price and now with the inflation, she only received 7.
<img src="https://cdn1.myc.com.my/image/upload/v1649913136/unsigned/hfmasicmidfqlbd4aumg.jpg" />
&nbsp;
Kimchi is a spicy fermented cabbage which is a highly popular side dish in South Korea which is generally free with every meal at eateries. One customer at Chio&rsquo;s store even joked that they should rename kimchi to &ldquo;keum-chi&rdquo; as keum stands for gold in Korean.
If the price of goods keeps increasing, Choi says that she won&rsquo;t likely be able to continue running the business if she can&rsquo;t raise prices.
Change of eating habits
<img src="https://cdn1.myc.com.my/image/upload/v1649913146/unsigned/ahjglyidmtovqt8lr1xo.jpg" />
&nbsp;
Back then, you&rsquo;ll likely see a lot of people going out to restaurants and enjoying a meal together with family and friends or perhaps maybe alone for some &ldquo;me time&rdquo;.
Due to the cost of goods being expensive, many have now opted to limit eating out and start cooking at home more. Some even comment the days where we can buy many items with RM150 at grocery stores and nowadays, you can barely get anything.
In fact, drinks are sometimes more expensive than food too which makes many people think twice before spending.
Honestly, I do hope that the economy would recover cause at this rate, fresh grads who just got jobs will really suffer to get their daily necessities especially if they live away from their parents. They&rsquo;ll need to think of rental, maintenance fees, petrol and many more things.
&nbsp;
*Sources: Visual and Reference Credits to Social Media, The Edge, Reuters &amp; various cross references for context.
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Due to the pandemic and war, many had resorted to either cutting their servings, increasing price or just trying to soldier through the inflation.

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#Mahal : Inflation Of Goods Getting Out Of Hand?

Have you ever questioned yourself lately on why you&rsquo;re going broke so fast even if you do have a stable job?
Well, the unfortunate truth is that the cost of living has been going up over the years and we can&rsquo;t do much about it. Like here&rsquo;s a reality check, we are paying more for a drink than our food now.
<img src="https://media1.giphy.com/media/yWTrzwWVS9x1zHPIwT/giphy.gif?cid=790b761156677b06fbef01122236887b59081065c7708254&amp;rid=giphy.gif&amp;ct=g" alt="Season 4 Vegan GIF by The Office" />
&nbsp;
Yeah, let that thought sink in. Half the time we go out to eat, our drink is either half the price if not more than the price of some of our food.
With the rising cost of living, Prime Minister Ismail Sabri Yaakob had announced a new policy to help those working. The minimum wage of workers will now be increased to RM1,500 a month. According to him, the new minimum salary will be raised will come into effect on 1 May and details will be finalised soon.
Human Resource Ministry and the Entrepreneur Development and Cooperatives Ministry will be holding discussions to identify the small and micro businesses who can&rsquo;t afford to pay the minimum RM1,500.
So far, no conditions have been revealed yet, but these selected small businesses may be able to &ldquo;delay&rdquo; the payment of the new minimum wage. Judging by this statement, it suggests that there will be a policy that will be implemented for this issue.
What is the rough usage of families per month if you&rsquo;re living in the city?
<img src="https://cdn1.myc.com.my/image/upload/v1647924709/unsigned/jiltp1gphlcmimynfwvq.webp" />
&nbsp;
According to Bank Negara&rsquo;s living wage estimates, the above is the rough wages used for each of these categories for someone living in Kuala Lumpur back in 2016.
If a single adult needed 2,700 back in 2016, imagine now fast forwarding 6 years later. I&rsquo;m sure it&rsquo;s increased.
Just last week, Human Resources Minister M. Saravanan revealed that the minimum wage increase will be placed &ldquo;soon&rdquo; instead of waiting till the end of the year. Although this is good, not everyone is keen on the increase such as the Malaysian Employers Federation (EPF) as they claim that this is only beneficial for foreign workers in the country.
For those who didn&rsquo;t know, the National Wages Council is required to review the minimum salary every two years and changed will be subjected based off discussions. Back in 2012, the minimum wage was set at RM900 and in 2020 a revision was made to hike it to RM1,200 in 56 cities and towns. Unfortunately, even with the hike, some cities had remained at RM1,100.
Sometimes, I&rsquo;m pretty sure a lot of people question the government on how they look at the price of minimum wage. They clearly know that prices of items are going up but how high can it go? Even our vegetables are expensive now. 
Aside from the increase in minimum wages, do you think the government should also look at the cost of items now as it&rsquo;s getting way too expensive. Let us know your thoughts!
&nbsp;
&nbsp;
*Sources: Visual and Reference Credits to Social Media, New Straits Times, Bank Negara &amp; various cross references for context.
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With the minimum pay increasing, do you think that the ministry should also look into the reason behind the price hike of goods as well?

fa173e3abfed446ef2d3b4ed5d4cd6b997f947fb491c9f55b5e5b3447df6c724

Ministry To Enforce RM1,500 Minimum Wage Starting 1 May 2022

Are you someone who&rsquo;s very into the whole cryptocurrency scene? If you are, then you&rsquo;ve probably heard of Binance who is the world&rsquo;s leading crypto exchange.
If you didn&rsquo;t already know, they are making a return to the Malaysian market with a strategic stake in the country&rsquo;s regulated digital asset trading platform MX Global.
Binance and Cuscapi Berhad acquired a key stake in MX Global who are one of four recognized market operators &ndash; digital asset exchange license by the Securities Commission (SC) in Malaysia.
<blockquote class="twitter-tweet">
Hello Malaysia. 🇲🇾<a href="https://t.co/vsHzHlm7KI">https://t.co/vsHzHlm7KI</a>
&mdash; CZ 🔶 Binance (@cz_binance) <a href="https://twitter.com/cz_binance/status/1498725723590299652?ref_src=twsrc%5Etfw">March 1, 2022</a></blockquote>

<script async="" src="https://platform.twitter.com/widgets.js" charset="utf-8"></script>
Presence all over the world and even Asia
<img src="https://cdn1.myc.com.my/image/upload/v1646277209/unsigned/wdzhquh7rgmk8hk53oeb.jpg" />
&nbsp;
The leading crypto exchange aims to expand the sustainable growth of the crypto market in Southeast Asia. Meanwhile, MX Global aims to become a leading liquidity hub in the region and expand their market with their new partnership.
A thing to note is the difficulty to mitigate regulatory compliance requirements in different regions. Due to this, Binance had slew of partnerships and it reflects a pattern of sorts. Back in July 2021, crypto exchange services in Malaysia were restricted as the SC said that these exchanges could not comply with the regulatory laws.
Partnership helps to understand local regulatory approach
&ldquo;This is part of Binance&rsquo;s initiatives to cooperate with regulators. By working with regulated platforms, we are supporting local representatives to further expand their businesses while they stay compliant,&rdquo; said a spokesperson from Binance.
While Binance reopens in Malaysia and needs to comply with the regulatory laws, it&rsquo;s a while different ball game happening in Singapore. Binance had withdrew their crypto license application a week before announcing an 18% stake in the private stock exchange. 
<img src="https://cdn1.myc.com.my/image/upload/v1646277434/unsigned/acfub8jlx8ukimustbnl.jpg" />
&nbsp;
Even in the UK, Binance was banned but they have now managed access to the payment method after announcing their partnership with PaySafe.
Similarly, crypto exchange is suffering the same issue in Thailand as operations had shut down in July 2021. But in 2022, thanks to a partnership with the country&rsquo;s Gulf Energy Development PCL, they made a return into the Thai market.
Is it safe to trade with Biannce?
In short, yes it should be safe for you to trade your crypto with Binance.
Back in 2021, they faced an issue with regulatory warnings and service restrictions from many countries due to their regulations. But with the introduction of partnering with other third-party companies, they have finally mended their regulatory relationship with other countries.
Hopefully this round with proper partners, the trade for cryptocurrencies will be smooth. But the real question now is how stable will the crypto market be in the upcoming future? What&rsquo;s your opinion on this? Let us know in the comments!
&nbsp;
*Sources: Visual and Reference Credits to Social Media, Cointelegtaph &amp; various cross references for context.
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They had acquired a key stake in MX Global which is recognized by the Securities Commission in Malaysia.  