Nabil Luqman

71ae91dc3b1a84099376c66b53daea9d4bfb25a2eed6bd60aba27158de545a0d

Young Money Idea

TikTok

Viral

Opinions

Forex

Trading

Luxury Lifestyle

Dark Side

Many of us from all over the world know that money is important. With the current economy in most countries, many of us are pretty much suffering as the cost of good are rising due to inflation.
But for many of those who are on the constant grind to get more money, you sometimes come across suspicious ads stating jobs overseas which could lead to you being human trafficked. Some even try to convince you to join in their business ventures which could lead to some losing more money than they already are.
However, there are other ways of earning money and lately, we&rsquo;ve been seeing many ads about Forex.
What Is Forex?
<img src="https://r2.myc.my/fbb1f27820ddbc964c32372a9e5c1abe75e504ec8aacb86ed8c0225e50912ac5" />
&nbsp;
Forex is the process of speculating on currency prices to potentially make a profit. They are typically traded in pairs and by trading one another, a trader is typically speculating on which one of the currencies will be on the rise or will fall in value against one another.
Sounds simple enough right?
Well, the trading business ain&rsquo;t all fun and games. Seeing ads about it everywhere from YouTube videos to even advertisements which feature celebrities. Many are suspicious about how can one be so &ldquo;successful&rdquo; from Forex and live the life on luxury from doing this job alone.
Too all &ldquo;successful&rdquo; business or practices, there are also the dark sides of it.
TikTok user @tomqurus had took to the social media platform to show netizens the dark side of Forex by showing a video of a man claiming that certain influencers are not as what many of us think.
<blockquote class="tiktok-embed" style="max-width: 605px; min-width: 325px;" cite="https://www.tiktok.com/@tomqurus/video/7168439473456418074" data-video-id="7168439473456418074">
<section><a title="@tomqurus" href="https://www.tiktok.com/@tomqurus?refer=embed" target="_blank" rel="noopener">@tomqurus</a> Brader ni bongkarkan modus operandi funder/broker forex <a title="forex" href="https://www.tiktok.com/tag/forex?refer=embed" target="_blank" rel="noopener">#forex</a> <a title="trading" href="https://www.tiktok.com/tag/trading?refer=embed" target="_blank" rel="noopener">#trading</a> <a title="influencer" href="https://www.tiktok.com/tag/influencer?refer=embed" target="_blank" rel="noopener">#influencer</a> <a title="♬ original sound - Tom Qurus" href="https://www.tiktok.com/music/original-sound-Tom-Qurus-7168439567689714459?refer=embed" target="_blank" rel="noopener">♬ original sound - Tom Qurus</a></section>
</blockquote>

<script async="" src="https://www.tiktok.com/embed.js"></script>

Of course, he did not expose the name of the said individual but the man in the video claims that those who are &lsquo;trade&rsquo; influencers don&rsquo;t actually achieve their wealth as its generally sponsored by someone who&rsquo;s dubbed as &ldquo;The Founder&rdquo;.
So, for all the things that you see as the big houses, luxurious houses and even the lavish lifestyle, it&rsquo;s all there for show. Even the flexible working hours are only mentioned to rope people into the trading business. These are the stages of people typically involved in the operation;
1) The Funder Someone who would typically have a lot of money in their account.
2) The Introducing Broker Individuals who solicits or accepts orders to buy or sell future contracts or even commodity options. Typically, they are those who have many followers and know how to market themselves out or a product.
The man in the video also explains that &ldquo;The Funder&rdquo; would never show his face and come up front and they are those who would rent out the houses and all the supercars driven by these people. Typically, they will have a quota to reach 500-1000 sign ups a week from the marketing done off Instagram and TikTok and if they don&rsquo;t reach their quota, they will pull back house, car and everything else and toss it to the next person.
It's easy to understand that in Forex, the more people/ fans who register under an influencers name, the more the income is generated for an individual. In the end of the video, the man had warned everyone to not fall for this scheme just cause others are living a luxurious lifestyle thanks to it.
Influencer Responds To Allegations
In a response to the video, 22-year-old influencer Aisar Khaled who is known for quite a number of controversies had stated that the mans allegations are not true.
<blockquote class="tiktok-embed" style="max-width: 605px; min-width: 325px;" cite="https://www.tiktok.com/@tomqurus/video/7168869708584717595" data-video-id="7168869708584717595">
<section><a title="@tomqurus" href="https://www.tiktok.com/@tomqurus?refer=embed" target="_blank" rel="noopener">@tomqurus</a> Replying to @Gonzales brader ni bidas balik isu ib broker. <a title="forex" href="https://www.tiktok.com/tag/forex?refer=embed" target="_blank" rel="noopener">#forex</a> <a title="influencer" href="https://www.tiktok.com/tag/influencer?refer=embed" target="_blank" rel="noopener">#influencer</a> <a title="broker" href="https://www.tiktok.com/tag/broker?refer=embed" target="_blank" rel="noopener">#broker</a> <a title="♬ original sound - Tom Qurus" href="https://www.tiktok.com/music/original-sound-Tom-Qurus-7168869766168431386?refer=embed" target="_blank" rel="noopener">♬ original sound - Tom Qurus</a></section>
</blockquote>

<script async="" src="https://www.tiktok.com/embed.js"></script>

He argued that &ldquo;The Founder&rdquo; and &ldquo;The Broker&rdquo; is essentially the same as the agent and product founder as the wealth that he (Aisar) shows is all he has due to his hard work. He also says that there&rsquo;s no such &ldquo;sponsorship&rdquo; as mentioned by the man in the previous video.
Due to this, netizens had been divided with their own opinions as they won&rsquo;t know which side of the story to properly trust. Others have voiced out their experience in the trading business where they too say that they no longer participate in it. However, they did share that some of these &ldquo;founders&rdquo; and &ldquo;brokers&rdquo; in fact do not have any ill intentions to them.
<img src="https://media3.giphy.com/media/kPtv3UIPrv36cjxqLs/giphy.gif?cid=790b76116c809f05d4349f3b6fef30398b376dbba42eeea9&amp;rid=giphy.gif&amp;ct=g" alt="Will Ferrell Lol GIF by NBA" />
&nbsp;
Are Trading Businesses Allowed In Malaysia?
<img src="https://r2.myc.my/3011867e8e64d3392f38a32281d689b51b78d4826a298637ee5985b325b42a49" />
&nbsp;
I short, yes, it is allowed. In fact, Forex Malaysia&rsquo;s official website states that the business is legal but &ldquo;brokers&rdquo; may operate illegally as they may not own a license or is not registered by the Securities Commission Malaysia (SCM).
Meanwhile, joining the trading business is actually considered haram in Malaysia by the <a href="https://muftiwp.gov.my/artikel/irsyad-fatwa/irsyad-fatwa-umum/5160-irsyad-fatwa-siri-ke-675-hukum-trading-forex-untuk-tujuan-bersedekah">Federal Territory</a> and <a href="https://muftiperlis.gov.my/index.php/himpunan-fatwa-negeri/119-hukum-forex-trading-online">Perlis</a> Mufti.
Well, we&rsquo;ll leave it to ya&rsquo;ll to decide if this is a good idea for making money. Regardless, we don&rsquo;t condone of any illegal activities and all this should be at a user&rsquo;s risk.
What are your thoughts on 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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Little that you know, there’s a dark side of Forex Trading and many netizens are left divided after hearing this.

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Is Forex Really The Best Way To Make Money?

Many of us who are out and about know that to kick start the day, we sometimes need a nice cup of coffee. Whether it being hot or cold, a cup of coffee can always help wake you up for the day or even keep you energised after mid-day when we feel the food coma kicking in.
But here&rsquo;s the thing, getting coffee nowadays can get pretty costly. Unless you&rsquo;re going to your local kopitiam, Malaysians are now paying RM7 and above for their daily coffee needs and if you&rsquo;re looking for something premium, it could cost you up to RM15 or more too.
Real question though, how many of you have ever calculated how much did you spend on coffee alone in the past month?
Netizen shares how much he spends on coffee alone in a month
Since coffee is an important part of his daily life, Twitter netizen @BaqirNajh had took the initiative to calculate how much does he spend on coffee per month. The results of it had left him shocked at his own expenses as it revealed that he spent RM706 a month on coffee alone.
<blockquote class="twitter-tweet">
First time track monthly coffees spending, tak berani nak total up.🥶 <a href="https://t.co/JtAfTEUk6V">pic.twitter.com/JtAfTEUk6V</a>
&mdash; Baqir 📊📚 (@BaqirNajh) <a href="https://twitter.com/BaqirNajh/status/1587022021573345280?ref_src=twsrc%5Etfw">October 31, 2022</a></blockquote>

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Judging by his list, he purchases at least a cup of coffee every day. If you look closely, there&rsquo;s also the prices of coffee in Singapore Dollars which would assume he had a trip to Singapore and continued on his daily routine there.
When calculating the sum, it shows that he had been spending an average of RM22.77 on coffee per day.
<img src="https://gifdb.com/images/thumbnail/empty-wallet-no-money-unhappy-guy-lqj07kj2c4sxegf3.gif" />
&nbsp;
And just for the fun of it, the different coffee outlets he visited consisted of Artisan Coffee, Starbucks, Dal.Komm, SF Coffee and the most common on the list being Coffea Coffee. Perhaps the coffee there is just that good cause admittingly, that&rsquo;s one of my personal favourite coffee franchises to go to as well😅
Netizens empathize with him
To be fair, he&rsquo;s not the only one out there who spends a lot on coffee as many other netizens too shared their stories on their &ldquo;adventure&rdquo; with coffee. Netizens even shared their own ways to save money and highlighted the importance of tracking their expenditures when it comes to personal finances.
Let&rsquo;s take a look at some of the replies left by netizens:
<blockquote class="twitter-tweet" data-conversation="none">
My expenses this month, guna sheet je senang. Send kat ws daily expenses and then key in dalam sheet setiap hujung bulan then sum up semua 😚 <a href="https://t.co/qmCnDye51z">pic.twitter.com/qmCnDye51z</a>
&mdash; D&aelig;s✨ (@lilacdee_) <a href="https://twitter.com/lilacdee_/status/1587084020915245056?ref_src=twsrc%5Etfw">October 31, 2022</a></blockquote>

<script async="" src="https://platform.twitter.com/widgets.js" charset="utf-8"></script>

<blockquote class="twitter-tweet" data-conversation="none">
That&rsquo;s a lot kan bila kita total up. Masa bayar usually kita rasa ala takpela, sikit je ni For 2 years, I guna apps to track my expenses. All the categories boleh customize. Every month boleh tgk dah spent berapa RM. So sempat la sis insof japp 😂 <a href="https://t.co/9ZbbD8SPlb">pic.twitter.com/9ZbbD8SPlb</a>
&mdash; Annabelle (@katverieee) <a href="https://twitter.com/katverieee/status/1587044634915590144?ref_src=twsrc%5Etfw">October 31, 2022</a></blockquote>

<script async="" src="https://platform.twitter.com/widgets.js" charset="utf-8"></script>

<blockquote class="twitter-tweet" data-conversation="none">
same, i also track my monthly expenses, bila nak akhir bulan je gelabah 😂 <a href="https://t.co/vNhRtXp1Pn">pic.twitter.com/vNhRtXp1Pn</a>
&mdash; . (@dblckparade) <a href="https://twitter.com/dblckparade/status/1587073127066238977?ref_src=twsrc%5Etfw">October 31, 2022</a></blockquote>

<script async="" src="https://platform.twitter.com/widgets.js" charset="utf-8"></script>

Even KSWP Malaysia couldn&rsquo;t resist to reply and share their app for tracking your expenditure.
<blockquote class="twitter-tweet" data-conversation="none">
Alternatively, anda juga boleh track perbelanjaan mengikut kategori yang berlainan dengan aplikasi Belanjawanku! Muat turun &amp; cuba aplikasi Belanjawanku secara percuma hari ini😉 iOS: <a href="https://t.co/Nu13nqM34j">https://t.co/Nu13nqM34j</a> Android: <a href="https://t.co/eOtI9dYhCo">https://t.co/eOtI9dYhCo</a> Huawei: <a href="https://t.co/9CF1l9OA3y">https://t.co/9CF1l9OA3y</a> <a href="https://t.co/4pAhuGaf1v">pic.twitter.com/4pAhuGaf1v</a>
&mdash; KWSPMalaysia (@KWSPMalaysia) <a href="https://twitter.com/KWSPMalaysia/status/1587297922756259841?ref_src=twsrc%5Etfw">November 1, 2022</a></blockquote>
So, for all the coffee lovers out there, how can we save money on coffee?
<img src="https://barringtonhills-il.gov/wp-content/uploads/2021/09/coffee-gif.gif" />
&nbsp;
For starters, its time for us to start brewing our own coffee. Yea, it may not be as good as the coffee shops but with a little trial and error, you&rsquo;ll be saving up a lot of cash.
<blockquote class="twitter-tweet">
Penjimatan masa panjang, Biji Kopi (500g) : RM50 Susu (x8) : RM44 2 cawan sehari : 60 cawan RM1.57 secawan Untuk perbandingan, Cafe Latte di kafe : RM9-12 <a href="https://t.co/b8P4mDrOJK">https://t.co/b8P4mDrOJK</a>
&mdash; Abg Madu Tualang (@ameersic) <a href="https://twitter.com/ameersic/status/1575017540530896896?ref_src=twsrc%5Etfw">September 28, 2022</a></blockquote>

<script async="" src="https://platform.twitter.com/widgets.js" charset="utf-8"></script>

<blockquote class="twitter-tweet" data-conversation="none">
I&rsquo;m a coffee addict. I feel you brotha. Last2 nak berjimat, sy beli coffee Davidoff n layan black coffee w/o sugar. Alhamdulillah jumat banyak. <a href="https://t.co/cgf3BEGrJE">pic.twitter.com/cgf3BEGrJE</a>
&mdash; Hisham Rockne 🤘🏻 (@HishamRockne) <a href="https://twitter.com/HishamRockne/status/1587058623037210626?ref_src=twsrc%5Etfw">October 31, 2022</a></blockquote>

<script async="" src="https://platform.twitter.com/widgets.js" charset="utf-8"></script>

<blockquote class="twitter-tweet">
Same with me. Bought grounded coffee and brew using Aeropress type (Staresso sp-200). So much economical, and fun.
&mdash; KhairulEffendi (@mr_kei_) <a href="https://twitter.com/mr_kei_/status/1587364300154208259?ref_src=twsrc%5Etfw">November 1, 2022</a></blockquote>

<script async="" src="https://platform.twitter.com/widgets.js" charset="utf-8"></script>

If we already spend a good amount on coffee, I guess it&rsquo;s time to get yourself a coffee machine or maybe we should take advantage of discount offers such as those on the airasia Super App where you can get up to 65% off selected merchants between 12pm to 6pm or even enjoy 50% off when ordering at any store!
What are your thoughts on this? Let us know in the comments!
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross references for context.
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Do you love coffee? Maybe it’s time to check how much you spend on it per month👀 

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M’sian Left Shocked After Knowing That He Spends RM706 A Month On Coffee Alone!

Ever struggled to look for a job? Try your luck with these training courses!&nbsp;
Wanita MCA collaborates with Lincoln University College to launch vocational courses for Malaysians.
Job opportunities are included in the training programmes, which will be given to those completing their registered course, except the wedding chaperone course.
<img src="https://cdn1.myc.com.my/image/upload/v1666668131/unsigned/pxhser3lo9okvnvyf0qf.jpg" alt="" width="633" height="697" />
Source: Canva
<h2>What Are The Courses?&nbsp;</h2>
Wanita MCA chief Datuk Heng Seai Kie revealed that the courses are confinement lady training, persons with disability and elderly care training, wedding chaperone (tai kam jie or wedding master of ceremony) training and massage therapy training.
Cost&nbsp;
Confinement lady training (eight-day course) - RM 7,800
Persons with disability and elderly care training (eight-day course) - RM7,800
Wedding chaperone training (four-day course) - RM 3,800
Massage therapy training (six-month course) - RM 5,300
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://images.unsplash.com/photo-1603205431143-ce58f21799a4?ixlib=rb-4.0.3&amp;ixid=MnwxMjA3fDB8MHxwaG90by1wYWdlfHx8fGVufDB8fHx8&amp;auto=format&amp;fit=crop&amp;w=1000&amp;q=80" alt="brown wooden blocks on white table" />
Source: Unsplash
<h2>Loans To Study The Courses</h2>
The application for the Kojadi education loan is available for those struggling financially to pay for the tuition fees.
&ldquo;They can repay the loans at a 4% interest rate by instalments in three years after completing the course.&rdquo;
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn1.myc.com.my/image/upload/v1666666990/unsigned/pzj43ud1lqtmqcosmo4d.jpg" alt="" width="577" height="635" />
Source: Canva
<h2>Why Do They Want To Offer Training Programmes?</h2>
Heng believed that vocational training has helped Malaysians in terms of their improvement of skills and achievements in careers.
&ldquo;The vocational training will certainly equip participants with useful skills that can help them survive,&rdquo; she said after launching Wanita MCA&rsquo;s official website at Wisma MCA yesterday.
&ldquo;The courses are open to all who want to upskill and reskill themselves, especially after many people lost their jobs or switched careers during the Covid-19 pandemic.
&ldquo;We have actually started the confinement lady training course five years ago and over 200 people have attended the course so far. Some of them have set up their own confinement centres,&rdquo; she said.
Lincoln University College&rsquo;s Professional Development Academy director Dr Edmund Koh also noticed the positive changes in students&rsquo; lives after their attendances in the university as he said: &ldquo;We have many past students who managed to transform their lives after acquiring the right skills from our institution. This is good for our society and we want to continue doing this,&rdquo;
&nbsp;He added that the courses would begin in January next year.
According to him, participants will be given a professional certificate after they finish the courses.
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn1.myc.com.my/image/upload/v1666667237/unsigned/spztcr76f6ve4xkabwq6.jpg" alt="" width="560" height="616" />
Source: Canva
<h2>More Updates On Community Programmes And Activities On New MCA Website&nbsp;</h2>
The new website provides more details on the vocational courses, which also enables people to sign up for the programmes, said Heng.
It also constantly promotes community programmes and activities in Malaysia.
Aside from such information, Wanita MCA&rsquo;s plans and social initiatives, for example, the Legal Advisory and Women&rsquo;s Aid Centre (Lawa) can be found on the website as well.
There have been 600 cases handled by Lawa since its establishment 8 years ago, which were mostly linked to family and marital problems, domestic violence, sexual harassment and cheating.&nbsp;
Heng said It is different from MCA Public Services and Complaints Department led by Datuk Seri Michael Chong as Lawa does not publicise the problems through holding press conferences for the sake of victims&rsquo; privacy.&nbsp;
&ldquo;This is to protect the victims&rsquo; privacy, considering their often awkward family situation,&rdquo; she said.
Lawa is not in charge of dealing with cases involving loan sharks and gangsterism, which belong to the territory of Chong&rsquo;s department, she added.
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://apicms.thestar.com.my/uploads/images/2022/10/25/1789376.jpg" alt="Useful site: Heng (seated) looking at the newly launched Wanita MCA website while (from left) the wing&rsquo;s secretary general Saw Ooi Leng, committee member Pang Kim Keok, deputy secretary general Ng Siok Hwa and committee member Ivone Low Yi Wen look on. &mdash; CHAN TAK KONG/The Star" />
Wanita MCA chief Datuk Heng Seai Kie, the wing&rsquo;s secretary general Saw Ooi Leng, committee member Pang Kim Keok, deputy secretary general Ng Siok Hwa and committee member Ivone Low Yi Wen were looking at the new website of Wanita MCA. Source: The Star
Do you think the vocational programmes are helpful? Would you consider participate in them to earn job opportunities?
*Sources: Visual Images and references credit to social media, The Star, Unsplash &amp; various cross references.
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Struggling to get employed? Check out these attractive courses! 

7a43d215-f7f8-41dc-e6d6-5b049b924600

Malaysians To Be Offered High Paying Jobs Such As Confinement Lady & Wedding Chaperone!

To assist low-income families, 2,391 affordable housing units are planned to be constructed by the Sarawak government under the Housing Development Corporation&rsquo;s (HDC) Rumah Spektra Permata initiative.
&ldquo;The state government is committed to providing affordable homes for the lower-income group (B40) and the middle-income group (M40) through the village expansion scheme (SPK) as well as the Affordable Housing Scheme (RMM) that has been implemented in Darul Hans (Kuching), Kampung Kapit Batu (Kapit) and Kampung Datu Baru (Sibu),&rdquo; revealed Sarawak Deputy Public Health and Housing Minister Michael Tiang at the Sarawak Housing and Real Estate Developers Association (Sheda) Sibu roadshow.
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://scontent.fkul15-1.fna.fbcdn.net/v/t39.30808-6/258863017_10159726415703390_8843711247823667564_n.jpg?_nc_cat=110&amp;ccb=1-7&amp;_nc_sid=174925&amp;_nc_ohc=m1iiJkN-g8wAX_1onC_&amp;_nc_ht=scontent.fkul15-1.fna&amp;oh=00_AT8qv_sbZ2Ur7bGivJfuZ8Hgk3XGRh6NoVtKE1MbNDZQUA&amp;oe=63564967" alt="May be an image of one or more people, glasses and indoor" width="523" height="348" />
Sarawak Deputy Public Health and Housing Minister Michael Tiang. Source: <a href="https://www.facebook.com/mttiang/">Michael Tiang&nbsp;</a>
<h2>The Housing Development Corporation&rsquo;s (HDC) Rumah Spektra Permata initiative&nbsp;</h2>
For the 12th Malaysia Plan (2021-2025) in the programme, the units will cost between RM 90,000 and RM 160,000. It will be offered to people who are married or single parents with the monthly income between RM 1500- RM 6000. The qualified applicants should be aged between 18 years old and 65 years old as well as do not own any house.&nbsp;
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://hdc.sarawak.gov.my/upload/file_folder/House%20Program%202020/Slide11.PNG" width="528" height="528" />
The criteria for the application for the affordable houses. Source: <a href="https://hdc.sarawak.gov.my/page-0-0-127-Rumah-Spektra-Permata-RSP.html">Housing Development Corporation&nbsp;</a>
<h2>Other Assistance Offered To Support The Low Income Group&nbsp;</h2>
Last year, HDC introduced the Sarawak Housing Rental Assistance Scheme (SRAS), becoming the first and only initiative helping low-income people with their rental payments.
It provides financial aid of RM 200 per month for 36 months, which is open to residents in Kuching, Sibu, Bintulu and Miri.&nbsp;
Those who are eligible to apply for the scheme should be Sarawakians aged 21 years old and above as well as having a household monthly income not over the amount of RM 2131. The applicants also must have a child living with them under their care. 
Moreover, persons with disabilities will be prioritised among the applicants.&nbsp;
Another initiative to help people to cope with high house&rsquo;s prices is the Housing Deposit Assistance Scheme (HDAS). According to Tiang, the government will collaborate with Mutiara Mortgage &amp; Credit Sdn Bhd, a subsidiary of HDC, to provide loans with a maximum of RM 10,000 or 10% of the house value to purchasers.
&ldquo;Earlier this year, the Sarawak government launched the Housing Deposit Assistance Scheme (HDAS) involving a RM10mil allocation to help low-income and middle-income earners, especially youths, to own a house,&rdquo; said Tiang.
&ldquo;Forking out the deposit or down payment is the hardest threshold to cross for youths or a young family who wish to have their own home.
&ldquo;This initiative also benefits stakeholders such as the housing developers and hardware suppliers,&rdquo; he said.
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://images.unsplash.com/photo-1560518883-ce09059eeffa?ixlib=rb-4.0.3&amp;ixid=MnwxMjA3fDB8MHxwaG90by1wYWdlfHx8fGVufDB8fHx8&amp;auto=format&amp;fit=crop&amp;w=1000&amp;q=80" alt="white and red wooden house miniature on brown table" width="649" height="487" />
Source: Unsplash&nbsp;
<h2>High Cost Of House Prices In Malaysia?</h2>
According to <a href="https://www.globalpropertyguide.com/Asia/Malaysia/square-meter-prices">Global Property Guide</a>, the average per square metre (sq. m.) for houses in Malaysia compared to other Asian countries costs USD $ 3,441 (RM 16,258.72), which is ranked higher than Cambodia, Indonesia, and Vietnam while lower than China, Hong Kong and Singapore with house prices over USD $ 10,000 (RM 47,250).
In Singapore, co-living has become a trend to deal with the rising cost of houses.
Read:&nbsp; <a href="https://myc.my/articles/1796/is-co-living-a-new-trend-to-deal-with-high-house-prices">Is Co-living A New Trend To Deal With High House Prices? &bull; MYC! Malaysian Youth Community</a>
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://plus.unsplash.com/premium_photo-1661412944611-d3b798ab6638?ixlib=rb-1.2.1&amp;ixid=MnwxMjA3fDB8MHxwaG90by1wYWdlfHx8fGVufDB8fHx8&amp;auto=format&amp;fit=crop&amp;w=1000&amp;q=80" alt="House and land purchase contract form on the brokerage desk of a real estate company." width="537" height="358" />
Source: Unsplash
While Malaysia doesn&rsquo;t have the problem of high house prices as severe as Singapore, it still deserves our attention, for it affects the low-income group the most. After all, we don&rsquo;t want to see the situation of homelessness happens to people.
Do you think these initiatives proposed by the Sarawak government can help people to afford homes to live? Would you recommend people to apply for them?
*Sources: Visual Images and references credit to social media, The Star, Unsplash &amp; various cross references.
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With the establishment of Rumah Spektra Permata initiative, the Sarawak government hopes to help more people afford houses to live. 

6a51e3d0-2aa6-47d3-19e1-d205e02bcd00

Sarawak Govt To Build New Affordable Houses For The Low Income Group

With the current economic situation, we&rsquo;ve been hearing many stories of Malaysians starting to work two jobs to make ends meet. Aside from working two jobs, there are those who also make their way across the Causeway to work in Singapore in hopes of a better paying job due to the current exchange currency (S$1 = ~RM3.25).
<img src="https://media.tenor.com/Rlo-1wvJ_BgAAAAM/cat-work.gif" />
&nbsp;
But have you ever heard of Singaporeans coming to Malaysia to work? Sounds a bit strange, doesn&rsquo;t it?
One Singaporean man is currently doing the exact said thing and he shared his explanation on TikTok.
Singapore has no work-life balance
<blockquote class="tiktok-embed" style="max-width: 605px; min-width: 325px;" cite="https://www.tiktok.com/@hasanithnin/video/7137246084899900698" data-video-id="7137246084899900698">
<section><a title="@hasanithnin" href="https://www.tiktok.com/@hasanithnin?refer=embed" target="_blank" rel="noopener">@hasanithnin</a> Kerja Malaysia @ Singapore??? <a title="kerja" href="https://www.tiktok.com/tag/kerja?refer=embed" target="_blank" rel="noopener">#kerja</a> <a title="malaysia" href="https://www.tiktok.com/tag/malaysia?refer=embed" target="_blank" rel="noopener">#malaysia</a> <a title="singapore" href="https://www.tiktok.com/tag/singapore?refer=embed" target="_blank" rel="noopener">#singapore</a> <a title="realstory" href="https://www.tiktok.com/tag/realstory?refer=embed" target="_blank" rel="noopener">#realstory</a> <a title="realexperiences" href="https://www.tiktok.com/tag/realexperiences?refer=embed" target="_blank" rel="noopener">#realexperiences</a> <a title="reallife" href="https://www.tiktok.com/tag/reallife?refer=embed" target="_blank" rel="noopener">#reallife</a> <a title="fyp" href="https://www.tiktok.com/tag/fyp?refer=embed" target="_blank" rel="noopener">#fyp</a> <a title="fypシ" href="https://www.tiktok.com/tag/fyp%E3%82%B7?refer=embed" target="_blank" rel="noopener">#fypシ</a> <a title="♬ original sound - Hasan Ithnin" href="https://www.tiktok.com/music/original-sound-Hasan-Ithnin-7137246179481439002?refer=embed" target="_blank" rel="noopener">♬ original sound - Hasan Ithnin</a></section>
</blockquote>

<script async="" src="https://www.tiktok.com/embed.js"></script>

At the time of writing this, the video had gained more than 259K views and over 17K likes on the app.
The video shows Hasan Ithnin, a Malaysian man who tells us that we normally hear the story of Malaysians favouring to work in Singapore as their exchange rate is higher. He later turns the camera to Hayyum, his Singaporean friend who thinks otherwise.
<img src="https://cdn1.myc.com.my/image/upload/v1665546782/unsigned/ac1as04vazhemqbu7zm1.webp" />
&nbsp;
Hayyum has no doubt that the Singapore dollar is much valuable than ringgit but he had chose to stay in Malaysia as he wants to be with his wife and kids.
While many Malaysians travel over to Singapore to make ends meet despite how much they need to struggle and sacrifice, Hayyum says that working in Singapore lacks work-life balance.
&ldquo;I have friends who work in Malaysia and Singapore. In their own countries, they also earn about 1,500 but the biggest difference is that my friends in Malaysia have a life,&rdquo; said Hayyum.
He explains that although his friend earns S$1,500 (~RM4,874.31) a month, he only has one day in a week to spend time with his kids and at times, he&rsquo;s too busy to even see them during the week.
<img src="https://media.tenor.com/ODXp2dVNDfYAAAAC/yikes-jim-halpert.gif" alt="Yikes Jim Halpert GIF - Yikes Jim Halpert Yuck - Discover &amp; Share GIFs" />
&nbsp;
Family over work
&nbsp;<img src="https://media0.giphy.com/media/3tzQn3FavIInaDJaeX/giphy.gif" alt="Like Family GIFs - Get the best GIF on GIPHY" />
One of the main reasons why Hayyum had chose to work in Malaysia rather than in Singapore is due to him wanting to spend more time with his family and kids. Aside from spending time with his family and kids, he also shares that working in Malaysia is less stressful than working in Singapore.
&ldquo;I want to be able to spend lots of time with my kids and see my family and friends. That&rsquo;s the best thing.&rdquo;
In fact, there had been a study to identify how working is in other countries and the results of it are not shocking. In a report by Kisi, they had compared data on working intensity, institutional support, legislation and liveability to identify the ranks of cities based on their success in promoting a work-life balance.
The studies revealed that Kuala Lumpur and Singapore are ranked #3 and #4 in the most overworked cities in the world, falling behind Hong Kong in #2 and Dubai at #1.
<img src="https://cdn1.myc.com.my/image/upload/v1665547014/unsigned/byltgkrdtwojixwdxw0n.png" />
&nbsp;
Among the countries out there, Singapore was noted to have one of the longest working hours per week at 45 hours followed by China at 42 hours. The average annual leaves in Singapore is also placed at 7 days which is among the lowest in the region. Meanwhile in terms of Public Holidays, Malaysia also see&rsquo;s one of the most National Public Holidays yearly at 11 days and this is not including the public holidays according to states.
Netizens Agree That Malaysia Has Better Work life Balance
Coming from the comments on TikTok, many had agreed with Hayyum&rsquo;s statement. Netizens even agreed that life in Malaysia is less hectic than Singapore.
<img src="https://cdn1.myc.com.my/image/upload/v1665547032/unsigned/fqbsliofwz5harbxaj8k.png" />
&nbsp;
We should be thankful for work as some Johorians who work in Singapore have to sacrifice and get up at 4am for work and sometimes end up back home at 10-11pm, leaving no time for family or even some downtime to relax.
Perhaps its time to reflect and look at the brighter side of things when working in Malaysia. Yea, the economy does suck and our currency isn&rsquo;t the strongest but in terms of happiness, I think most of us are pretty happy with what we have right now.
What are your thoughts on working abroad? Share us your thoughts in the comments.
&nbsp;
*Sources: Visual and Reference Credits to Social Media, TikTok, Kisi, Lifestyle Asia &amp; various cross references for context.
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We normally hear M’sians going across the straits but rarely for S’poreans to come work here in Malaysia!

aab72514-4401-4431-39a2-241d4b2bb500

S’porean Man Chooses To Work In M’sia Instead For Better Life Balance

Over 2 months ago, our transport minister announced that they are <a href="https://www.myc.my/articles/1540/government-to-lower-the-age-limit-for-vocational-license-to-18-causes-rage">lowering the age limit of Vocational License</a> to allow young delivery riders to apply, which caused a stir. People were mad, thinking of the additional procedure for the youth is definitely not a good solution.&nbsp;
Not long after, Datuk Seri Dr Wee Ka Siong <a href="https://www.myc.my/articles/1563/correction-p-hailing-riders-can-operate-without-gdl">responded and clarified</a><a href="https://www.myc.my/articles/1563/correction-p-hailing-riders-can-operate-without-gdl"> </a>that the procedure is going to be simple and convince the public that it was done for the sake of the youth themselves.
Thus, here we are, getting into the implementation process after the bill was registered as a Self-Employment Social Security Scheme (SKSPS).&nbsp;
<img src="https://apicms.thestar.com.my/uploads/images/2022/10/07/1766538.jpg" />
Photo Credit: <a style="color: #95a5a6;" href="https://www.thestar.com.my/news/nation/2022/10/07/wee-transport-drivers-delivery-riders-must-contribute-to-socso-scheme">@thestar.com.my</a>
Wee informed that the scheme was governed under the Social Security Organization (Socso), therefore it would be mandatory for e-hailing, taxi, bus and p-hailing drivers and riders to take part.
The scheme will cost RM157 per year, or RM13.10 per month. Ehem.. someone said it wouldn&rsquo;t even cost RM10 👀
Wait, there's more:&nbsp;
He said, &ldquo;after this, we will impose a condition that the applicant must contribute (to the scheme) in order to obtain the vocational license.&rdquo;
&ldquo;This means to get the license, they must contribute to the SKSPS.&rdquo;
<img src="https://media2.giphy.com/media/fIkT0LdGUc4GushZ2Q/200w.gif?cid=82a1493b4l3918nr9gut9z2y4dyttj1jeip2mde8shxoe0tb&amp;rid=200w.gif&amp;ct=g" alt="No No No GIFs - Get the best GIF on GIPHY" />
Other than that, Datuk Seri Dr Wee Ka Siong would also step up his game during the promotional campaign later to reach as many people as possible.
To start, he said the government will pay 80% of the cost, so the riders would only have to contribute the remaining portion of it.
Okay&hellip; that&rsquo;s a good start.
He then said, &ldquo;this is what we are doing, and we are committed to ensuring that there is a social safety net to protect them if there is an accident,&rdquo; to convince people of the wisdom behind this new regulation.
<img src="https://media.thestar.com.my/Prod/3C29F1FC-FE0B-4286-AE73-3997824FF209" alt="Historic first as Kuala Lumpur JPJ includes women in motorcycle enforcement unit | The Star" />
Photo Credit: <a style="color: #95a5a6;" href="https://www.thestar.com.my/news/nation/2019/04/17/historic-first-as-kuala-lumpur-jpj-includes-women-in-motorcycle-enforcement-unit">@thestar.com.my</a>
He also stated that the Road Transport Department (JPJ) would be given the power to issue vocational licenses, just as they previously handled the driving lessons.
&ldquo;However, if this is to be conducted by JPJ, it will require a lot of resources and high cost of infrastructure and operations,&rdquo; he added. Okay&hellip; so???
So, they are still entitled to conduct the training for those who need the vocational license. How Classic&hellip;
<img src="https://www.parlimen.gov.my/images/webuser/bkk/DWAN%20RAKYAT%201.jpg" alt="DWAN RAKYAT 1.jpg" />
Photo Credit: <a style="color: #95a5a6;" href="https://www.parlimen.gov.my/tanggal_2_mac_2020_bakal_lakar_sejarah_politik_negara.html?uweb=web&amp;lang=en&amp;_print=true">@parlimen.gov.my</a>
For your information this bill just passed yesterday with 13 clauses and amendments to Section 57 of the Act regarding to lower the age limit, tabled by Deputy Transport Minister Datuk Henry Sum Agong. Therefore, all goods delivery and transport riders and drivers have to contribute to the SKSPS in order to operate in the near future.
There you go, the bill that is deemed to protect all delivery and transportation drivers. To be honest, I was skeptical at first, but the Transport Minister did deliver what he promised, particularly about the application fees.
Thus, as long as it stays as it is now, the procedure should be good to be implemented. What do you say? Share your thoughts in the comment section down below!
*Sources: Visual and Reference Credits to Social Media, The Star &amp; various cross references for context.
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