24 October, 2019

Social & Lifestyle

Gee, where did the year go? Already, we’re sliding fast into 2020. Shivers. Ok, straighten up, take the rest of the year by its horn and live to the max. Take a cue from these four must-do things before bidding 2019 farewell.


Money, money, MONEY

Love may make the world go round but without money, that carousel you’re riding on will soon screech to a halt. So be sure you have a financial plan now, with specific goals, to take you through 2020 comfortably.

For example, decide how much you want to save each month, perhaps 10% of your gross income. First, deduct all your fixed expenses (e.g. monthly car repayment, rental or contribution to your parents, gym membership, etc.) from your net income (take-home pay). Next, budget for food, petrol or transport cost, the occasional entertainment and clothes.

How much is left? Is it 10% of your gross income? If not, either reduce your savings target or see if you can cut down on food, entertainment and clothes. Whatever you do, know where your money is going to and watch your spending closely to avoid getting into the whirlpool of debt.

Have a credit card? Be extremely cautious about using it. Make sure you control it and not let it control you. And stick to your savings target.


Health or hot body?

Ok, the truth is, most young people go to the gym not to get fit and healthy but to get a hot body. All the huffing and puffing on the machines, and protein shakes and supplements that promise faster results are aimed at nailing that enviable physique that will have their peers drooling.

But it’s fine. As long as they’re working out, their hearts are stronger, stamina better, blood sugar more controlled and overall, they have better health. Yay!

So whether you’re a gym rat or play badminton, swim, run, walk, climb… make it your goal to stay active in 2020. If you’re a couch potato or an office chair bummer, jump up and start your physical fitness plan NOW!

Photo by Meghan Holmes


Stay Forever 21

So Forever 21 has gone bust ☹ and everyone’s holding their breath for a mega sale at all its stores. Get your annual leave form ready and inform your boss you’re planning to take the day off for some retail therapy to improve your work efficiency. When they announce the sale date, boom, your form’s in.

To save you time googling the stores, we’ve checked them out for you – they’re in Pavilion, 1 Utama, Sunway Pyramid and Mid Valley Megamall. Have fun buying up the store.


Dream home, BIG savings

Finally, and this may be the most important thing to do before 2019 ends – grab the Home Ownership Campaign (HOC) benefits, which end on Dec. 31, 2019.

So what exactly is the HOC? The HOC is perhaps the most exciting thing for prospective homeowners with it being a government initiative to help the rakyat in owning their first home, especially for all first-time home buyers out there. Till the end of this year, you will be exempted from paying two types of stamp duties; Instrument of Transfer AND Instrument of Loan Agreement; saving you a ton of ringgit!

Photo by Markus Spiske

But even better is the discount on the property price that the developer will provide from 6% to 10%.

Mah Sing Group is giving 10% discount – a hefty sum indeed. Let’s say the property is tagged at RM300,000, that’s a RM30,000 saving!

So before the year runs out, go check out Mah Sing’s many properties in very strategic locations nationwide and talk to their friendly sales personnel.

This is the best time to own a home, so don’t let the opportunity slip through. End 2019 by making the best decision for the year.



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Admiral (R) Tan Sri Dato' Seri Abu Bakar Bin Abdul Jamal

Chairman/Independent Non-Executive Director




Admiral (R) Tan Sri Dato’ Seri Abu Bakar Bin Abdul Jamal was the 10th Chief and the first four-star Admiral of the Royal Malaysian Navy. Admiral (R) Tan Sri Abu Bakar served the Royal Malaysian Navy for almost 40 years both at the staff and command levels culminating in the highest office of The Chief of Navy from 1998 to 2002.

Admiral (R) Tan Sri Abu Bakar was the former Chairman of Affin Fund Management Berhad and also the former Chairman of several companies covering diverse industries post his retirement including naval and marine, property development, construction and automative. He was also a former Board member of Lembaga Tabung Angkatan Tentera (Armed Forces Fund Board).

In recognition of his services not only to Malaysia but also towards promoting international and regional understanding and peace, Admiral (R) Tan Sri Abu Bakar was bestowed the Panglima Setia Mahkota award carrying the title Tan Sri. In addition, he also received international recognition in the form of the following awards:

  1. Bintang Jalasena Utama by Indonesian President Abdul Rahman Wahid on 28 August 2000
  2. Legion of Merit by United States President Bill Clinton on 6 October 2000
  3. Knight Grand Cross of the Most Noble Order of the Kingdom of Thailand by His Majesty King Bhumibol Adulyadej R on 24 February BE2544 (Gregorian 2001)
  4. Legion d’ Honneur by President of France, Jacques Chirac on 17 June 2001

There is no family relationship between him and any director and/or major shareholder of the Company.