Malaysia vs SingaporeMalaysians have the conviction that Singaporeans are doing far better than Malaysians do.  In many specialized areas, indeed, the level of superiority of Singapore seems to be light years away compared to Malaysia.  However when all things are smoothened out, and the data is generalized over the entire country (Malaysia is much bigger and populous than its neighbor, by as much as 1,400 times and 6 times respectively), we can see that the overly emphasized achievements of Singapore (or the lack of achievements on the part of Malaysia) will fall apart.

The most overarching example is the comparison of the exchange rate between the two countries.

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If you plan to buy a house, you’ll most probably need a home loan.  However, getting a good home loan is actually pretty challenging.  You’ll need to determine the kind of loan you need, and you’ll have to find out the interest rates so you can make comparison.  Traditionally, that means visiting or calling up all the banks.

In Malaysia, there are generally two types of home loan – flexi, and non-flexi (or “conventional”).  Flexi loans give you the freedom to reduce your loan interest with additional income, whilst non-flexi loans are more rigid and have the same repayment instalment throughout the loan period.  Depending on what you need, you can opt for either.  Personally, I believe flexi loan to be more beneficial.

In 2013, Bank Negara introduced a new regulation, which limits home loan period in Malaysia to a maximum of 35 years. If you are planning to purchase a more expensive home by stretching your loan period to 45 years or beyond, you should take note that you can’t do that now.

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Online PaymentIn Malaysia, online shopping grows tremendously in the recent years. In the year, 2010, the market size for online shopping was approximately RM 1.8 billion. The figure is expected to grow over RM 5 billion in 2014, which represent 35 percent increase per year

Low prices, convenience, easy to compare & save time are among the main reason why Malaysian shop online.

Entrepreneurs may want to take advantage of the scenario by launching an online shopping website. If you’re one of them or planning to be, you want to explore the choice of Payment Processors that is available in Malaysia.

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Real Estate Investment Trust (REIT) becoming popular in Malaysia due to high dividend yield paid by the management company. Currently, there are 14 REITs approved by Security Commission (SC) and listed in Bursa Malaysia.

The main advantage of (REIT) when compare with actual property investment is the investors earn better liquidity and cash flow.

How do they performed? The table below shows the comparison between the 14 REIT available in Malaysia in terms of Market Capitalization, Earnings per Share (EPS) and Dividend Yield for the past 1 year.

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Central Depository System

When opening a trading account with a Stock Broker (Participating Organization or Investment Banks) a CDS account will be opened at the same time. Normally, stock brokers can offer Direct CDS or Nominee CDS Account.

CDS stand for “Central Depository System” and it maintain by Bursa Malaysia Depository Sdn Bhd. Previously it was known as Malaysian Central Depository (“MCD”).

Each CDS account have its own advantage and disadvantage. The table below highlighted the different between the two.

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