Author: Norman Haqeem

  • Why Do People Choose Copper Fittings Malaysia?

    Why Do People Choose Copper Fittings Malaysia?

    Pipe fittings play one of the most vital roles in every piping system either the piping system at home or at industrial places. Choosing the right one and deciding the perfect pipe fittings for certain usage is somehow difficult for someone that is not familiar with the maintenance activities. Pipe fittings come with different selections of sizes, materials and configurations. One of the types of pipe fittings is the copper fittings Malaysia that is very useful in the piping system. In this article, we will find out the (i) functions of pipe fittings in general,  (ii) types of copper used, (iii) types of copper pipe fittings and (iv) situations that are suitable for assembling the copper pipe fittings

    Functions of Pipe Fittings in General 

    Pipe fittings also familiarly known as the pipe connectors, attach one pipe to another in order to lengthen the run or change the flow direction in a plumbing system. These pipe fittings are used to combine, change, or decrease the flow of the water supply. They are made of different materials such as copper, iron, brass, PVC and many more.

    Types of Copper used

    Usually copper fittings and pipes are made of two basic types of copper:

    (i) Soft copper: Copper pipes or tubes that are soft or ductile can be easily bent to avoid impediments in their path. The only kind of copper tubing appropriate for flare connections is soft copper tubing. For refrigerant lines in heat pumps and split-system air conditioners, soft copper is typically preferred. 

    (ii) Rigid copper: Water pipelines are frequently constructed from rigid copper. Compression or sweat connections are used to join rigid copper pipes. Because it cannot be bent, inflexible copper must use elbow fittings to get around bends or over obstructions. 

    copper fittings Malaysia

    Categories of Copper Pipe Fittings

    Copper pipe fittings are mainly divided into three categories: 

    • The first category includes fittings that are designed for making bends and turns in the pipe.
    • The second category comprises fittings meant for connecting or branching copper pipe.
    • The third category consists of couplings, slip couplings, cast iron adaptors and many more. Any of these fittings can be selected relying on whether the pipe is rigid or flexible. 

    Situations that are suitable for assembling the Copper Pipe Fittings

    copper fittings Malaysia
    • Air Conditioning and Refrigeration

    Copper is a material that has excellent thermal performance – up to 8 times better than aluminum. Copper also has a great resistance to corrosion and formability which make copper tubes and fitting the ideal material for heating, air conditioning and refrigeration systems.

    • Medical System Application

    Copper pipe fittings and copper pipes are also used in medical field application to deliver the medical gases for treatment. The great resistance to microbial gases that copper pipe and fittings have, ensures the gases supplied would remain pure and not polluted.

    • Domestic and Commercial Water Distribution 

    As copper is antimicrobial, the microbes and fungus are unable to grow and live in copper pipe and the fittings. Thus, copper pipe and fitting is a great choice to be utilized as a mean for delivering potable water. 

  • The Clichés of Pharmacy Studies in Malaysia

    The Clichés of Pharmacy Studies in Malaysia

    Overview

    Are you keen on learning more about the science of developing and curating medicine ? Are you interested in knowing more about drugs that involve human body development? Then the study of pharmacy is for you !. Pharmacy studies is quite common among Malaysians and currently more students are starting to involve themselves in this field of study. Besides medicine and dentistry, pharmacy is one of the courses under medical and health science programmes in Malaysia. The study of pharmacy is basically the act of studying drugs or medicine in general. Pharmacy studies involve learning about chemistry, human biology, psychology and pharmaceutics. It involves the field of science in general. So you actually get to learn a little bit of everything.

    medical and health sciences programs in malaysia

    A degree in pharmacist would make you eligible to become a licensed healthcare professional. I degree in pharmacy would take about 4 years and prior to that you would need to have a fountain of diploma from the same field. The job in general has become a job that is very demandable especially after the covid situation took place. Besides doctors, people generally seek pharmacist help in dictating  the medicinal needs. While many think becoming a pharmacist is very boring and have very few career options. These are some of the pathways that you can choose from upon completing your studies.

    Career Options Under Pharmaceutical Field 

    1. Hospital pharmacist

    Hospital pharmacists usually have to cater to a wide range of concerns as they would have patients covering all sorts of illnesses & diseases that need to be cured. On certain occasions pharmacists under hospital would need to do rounds in wards and do research in deciding which medicine would be suitable for the patients. They would also need to look at patients medication history when prescribing the new medication list to ensure its effectiveness.

    1. Academic pharmacist 

    The first criteria to practice academic pharmacy is for you to complete your Phd or at least Masters. To lecture, conduct research and evaluate findings  of clinical studies would be some of your daily tasks as an academic pharmacist. You will be incharge to educating and nurturing the future generation of pharmacist so you would need to qualify for the position. As an academic pharmacist, you will be required to work in university or colleges. You could also opt for tutoring students in private. 

    medical and health sciences programs in malaysia
    1. Community pharmacists

    This is a common type of pharmacist that probably many people are aware of now. Community pharmacists are individuals who work in retail stores and neighbourhood pharmacies. They are basically in charge of providing over the counter medication for people who need medication. You would be in charge to the prescription of medication and evaluation of the dosage

    1. Industrial pharmacist 

    Industrial pharmacists are in charge in places where they manufacture drugs and medication. They will usually work for pharmaceutical companies and they would need to check the overall production, the quality of the drugs, its dosage and its effectiveness towards consumers before dispatching it to hospitals or retail pharmacies. 

    Conclusion

    Studying for pharmacists would open doors to many opportunities for you to serve under the health science field. As a pharmacist you are also able to provide management of management for chronic diseases. This would also make you a part of the healthcare team that works in the betterment of peoples health and saving peoples lives. 

  • Tips & Tricks To Increase Your Chance In Getting Medical Scholarship

    Tips & Tricks To Increase Your Chance In Getting Medical Scholarship

    Many of us know that obtaining a medical scholarship is quite the job as there are a lot of competitors out there competing to get the spot. Many of the students also don’t know the right method in obtaining a scholarship and even if they do, they end up not obtaining it. If you are an aspiring medical student who wishes to secure a medical scholarship then this article is for you. 

    medical scholarships
    1. Do plenty of research and find the ones that really suits you 

    Applying and qualifying for a medical scholarship is one thing but ensuring it really suits your department of studies is another thing. As students you have to first list down all the privileges that you will obtain and you wish to obtain through the scholarship. Next you need to compare and filter all the available scholarships with the list that you have made. This part is crucial because scholarships from different institutes cover different areas. There are scholarships that cover your studies entirely and there are scholarships that only cover half. Get to know the essence of the scholarship and then apply for it. You can search for medical scholarships based on special abilities, ethnicity and even gender. There are scholarships especially for girls even. 

    1. Utilize your extra curricular achievements 

    While academic credibility is important in securing medical scholarship, sports and other extracurricular activities do come into play in this process. There are plenty of universities and colleges that offer scholarships for those who excel in sports. Students who have represented their country or probably gotten awards in sports or even through other activities have a higher chance of getting scholarships. It would also provide you a better chance of securing the scholarship as you will have less applicants competing with you.

    1. Have an eye on important details 

    It is important to treat your scholarship like a job application. Finding, applying and qualifying through scholarship can be a tedious process and it definitely does take up most of your time. Don’t give up if you are not able to find one despite having all the required qualifications. Keep an eye on all the important dates like interviews and roadshow that will give you more inputs related to scholarships. Another pro tip is that never skip optional questions, if you have the time just answer it all. This could be a great way of telling more things about yourself and your interests. 

    1. Don’t rely on it entirely 

    As much as helpful a scholarship could be, it is also important to not rely on it entirely. Not all medical scholarships cover your entire fees, there are some that cover only tuition fees and you would need to look after the other expenses on your own. So it’s necessary to find another source while you are at it. If you are a student who is still waiting to enroll in college, you could take up a part time job or probably do freelancing while waiting. If you think the funded amount would not be enough, then you can opt to take out a student loan. This would avoid problems in the future.  

    medical scholarships
  • How to Find The Best Fume Hood Supplier in Malaysia?

    How to Find The Best Fume Hood Supplier in Malaysia?

    Chemical laboratory is a place or room that is used to carry out experiments, observations of chemical reactions. So that the selection of organizations that support it also cannot be arbitrary. One illustration is that the laboratories must find the best fume hood supplier in Malaysia to meet their needs.

    Fume Hood Supplier in Malaysia

    What Exactly is Fume Hood Supplier in Malaysia?

    It is an individual or organization that assists a laboratory in fulfilling a tool to move or use volatile and hazardous chemicals so that the gas produced can be made through the flow above it. The use of fume hoods is often encountered in chemical laboratories. Fume hood serves as a place or facility provided to conduct research using special chemicals. The existence of a fume hood is able to control inhalation exposure of hazardous chemicals or substances. In addition, the function of the fume hood is to prevent the release of hazardous substances into the laboratory room. Hazardous chemicals will easily evaporate if stored in ordinary ingredients shelves. Therefore, when you want to take ingredients from the fume hood, make sure they stay in the fume hood. If an accidental spill occurs, the chemical will release steam and then be discharged through the gas line at the top of the fume hood.

    What are The Benefits of Fume Hood?

    Fume Hood Supplier in Malaysia produces goods that have a blower on the outside that will breathe air and reduce contamination and throw it outdoors. This blower is already connected to the pipe or channel where the gas exits. Please note, fume hoods are designed to provide protection from toxic chemicals that are volatile and emit gaseous air. The air is then filtered and processed by an exhaust system in the form of a duct to exit the laboratory room. This type of fume hood has a smaller size than other fume hoods. This benchtop does not have legs or supports so it must be stored on a flat table surface. The use of one type of fume hood is the best choice to be stored in a small laboratory room, because it does not take up much space. The working principle of the fume hood is to draw all gases, dust, mist and aerosols produced by the use of chemicals to be absorbed by the filter and then released by the blower. The fume hood will maintain a relatively negative pressure to prevent contaminants from escaping while drawing air in through the fume hood openings at a consistent rate. The speed with which air is drawn into the fume hood is critical to the safe and effective operation of the fume hood. The recommended air intake speed is between 0.3 m/s (60 fpm) and 0.5 m/s (100 fpm). The gasses that have been released by the blower will be diluted many times in the atmosphere so that it has a negligible effect on human health.

    Fume Hood Supplier in Malaysia

    Types of Fume Hoods Commonly Supported by Fume Hood Supplier in Malaysia

    There are 2 types of fume hoods, namely Ducted fume hoods and Ductless fume hoods. Ducted fume hood is a type of fume hood that is widely used in laboratories, this type of fume hood can be directly installed in the laboratory room by perforating the laboratory wall for installation of ducting and scrubbers. Meanwhile, Ductless fume hood is a type of portable fume hood equipped with a filter, because it does not have ducting so that this type of fume hood can be easily moved as needed.

  • The Characteristics of a Good PC

    The Characteristics of a Good PC

    What characteristics define an excellent computer? Before purchasing a PC, you need to think about a few features. Checking the PC’s specifications and stating what kind of PC you want to buy or build are the simplest ways to accomplish this. There are various kinds of PC and they differ based on various characteristics. This is why many businesses and individuals opt for advantech industrial PC Malaysia

    A good PC doesn’t satisfy you just by its looks and the way the keyboard lights up when you type. As the saying goes – don’t judge a book by its cover. Here are a few characteristics that make a PC worth the purchase.

    advantech industrial PC Malaysia

    Speed

    Computers are able to process millions of instructions per second. It takes many processes to even type a single letter in the past. Now, it is expected that computers can be fast and excel at many instructions at the same time. Low speed can lead to delayed work, less productivity, and increase stress. Thus with how most of our work now depends on a good computer, we should consider getting one with high speed. 

    Accuracy

    A good computer should be able to perform its tasks accurately and efficiently. Not only that, computers should be able to do their tasks perfectly. If calculations are incorrect, then there might be something wrong with your computer. 

    Memory

    It’s important that a good computer has massive memory. A computer possesses a built-in memory that is known as primary memory which is used to store data. Second storage is provided for removable devices such as CDs, pen drives, and USB connections which are used to store data. In addition, a computer with low memory might not be able to perform excellently due to low speed. 

    advantech industrial PC Malaysia

    Reliability 

    We depend on our computer most of the time to perform any tasks at all, hence it should be a reliable device we can turn to when it is necessary. A consistent and accurate result is expected. Just imagine the pain when you need to upload a file urgently. While uploading files might be successful in the past, you’ll reach an impasse once your file cannot be uploaded when it’s necessary. 

    Versatility

    Humans aren’t capable of multitasking. Things might go wrong, human errors are inevitable after all. However, computers are capable of multitasking. Good computers are able to play songs, open multi-tabs, run software, and receive instructions from its user at the same time. Your work can be obstructed and delayed if your computer is not able to perform different kinds of work with similar accuracy and efficiency.

  • Laboratory Equipment Must-Haves

    Laboratory Equipment Must-Haves

    There is equipment that we most certainly need in the laboratory. Furthermore, the laboratory should abide by ISO 17025 Malaysia. Apart from that, the equipment should function properly and allow lab workers to conduct experiments effectively. It is essential that the equipment is able to help the experiments get effective results. Hence, it is important that there is the right type of supplies and apparatus is used with precise precautions to avoid possible injuries and accidents. 

    ISO 17025 Malaysia

    Here is the list of equipment and essentials you need in the laboratory. 

    Safety Equipment

    When it experiments and researches, lab workers are expected to work with chemicals and substances that are harmful. Hence, to avoid lab workers from being exposed to the chemicals, it is essential that the right safety hazard is supplied for them. When dangerous chemicals are present, unexpected events could occur at any time. It is important that each laboratory have gloves, aprons, goggles, lab coats, and face shields as protection. Providing them with the right safety gear can shield them from splashes, spills, burns, hazards, and many more. 

    Weighing Equipment

    It can make all the difference when weighing equipment for chemicals and substances to work effectively and accurately. For example, a weighing dish can be used to weigh chemicals, but it is better to weigh greater quantities than just smaller ones. Another example is the watch glass which is a circular piece of concave glass that is used in many procedures. 

    ISO 17025 Malaysia

    Safe Heating Equipment

    It is critical that there be a location where hot materials can be used for improved performance. Not all equipment is suitable for this type of procedure as a fire or an explosion could result in injuries. Hence, for mild heating, use a test tube or a beaker directly on a bunsen burner. Apart from that, a hot disc can be employed to heat up chemicals that are in a breaker. To avoid burns or infliction, it is wise that you use a clamp. Never leave the fire unattended for too long. 

    Mixing and Handling Equipment

    A good material for laboratories is glassware that is made out of borosilicate glass which can stand high temperatures. Fragile equipment such as beakers, cylinders, test tubes, and flasks are useful in procedures such as mixing and storing chemicals. It is important that the glassware are suitable and resilient enough to be used in carrying substances and heating them up as well. 

  • Opportunity To Study Bachelor In Science In Malaysia

    Opportunity To Study Bachelor In Science In Malaysia

    Are you from a STEM field, and are unsure of what to pursue in your tertiary education? Well, you can continue being in the STEM field by pursuing relevant courses offered. However, if you are thinking about being in the medical and science field, then you can opt to study bachelor in science in Malaysia to kickstart your tertiary education in the medical and science field. 

    study bachelor in science in Malaysia

    Where to pursue bachelor’s in science in Malaysia?

    There are quite a few universities that provide bachelor’s in science in Malaysia. Do note that bachelor in science is a broad term, whereby under bachelor in science, there is a more specific field that you can enrol in. Here is a list of universities that you can consider signing up for to pursue a bachelor’s in science in Malaysia:

    • University of Malaya (UM)
    • Universiti Kebangsaan Malaysia (UKM)
    • Universiti Putra Malaysia (UPM)
    • Sunway University
    • Universiti Tunku Abdul Rahman (UTAR)

    What is a bachelor’s in science?

    As aforementioned, a bachelor in science is a broad term to represent learning science in general. To break it down even more, here are two kinds of sciences that you can look into: Applied Sciences and Pure sciences. Let’s take a look at the applied sciences first.

    Applied Sciences

    Like the term mentioned, applied sciences is a term where you are able to develop practical applications by applying the existing knowledge of science. What this means is, that applied sciences normally is done outside a laboratory, meaning a full hands-on experience with the surroundings and people. Some applied sciences are:

    • Medical Science
    • Computer Science
    • Forensic
    • Environmental Science
    • Nanotechnology 
    • Kinematics

    Pure Sciences

    Pure sciences, on the other hand, highlight more theories and predictions to understand life and the world in general. Compared to applied sciences, most of those who pursue pure sciences would work in laboratories and in their own workspace, as they will be spending most of their time doing experiments to prove their theories. Some pure sciences fields are listed down below:

    • Chemistry – Chemist, Biochemist, Geochemist
    • Biology – Botanist, Anatomist, Zoologist
    • Physics – Physicist, Astronomer, Meteorologist, Mathematician

    What career opportunities can I expect to pursue when taking a bachelor’s in science?

    Depending on which specific line you choose when pursuing bachelor’s in science, nonetheless, there is various line of work you can go into once you’ve graduated from a bachelor’s in science. Here’s a list of career paths available to you if you decide to pursue bachelors in science:

    study bachelor in science in Malaysia
    • Nurse
    • Dentist
    • Chemist
    • Biologist
    • Pharmacist
    • Physiotherapist
    • Software Engineer
    • Mechanical Engineer
    • Civil Engineer
    • Geologist

    And there you have it.  A thorough rundown of what it takes to pursue bachelors in science in Malaysia. The time duration of the bachelor’s degree also depends on which specific course you want to pursue. Normally it would be 4 years, however, the medical stream usually takes longer than that as the medical stream needs to undergo a medical internship (also known as housemanship) for extra 2 years compared to other science streams. 

    Take your time in choosing the best course for you, and all the best in living your life as a university student!

  • Do you need help with freight forwarding?

    logistic solutions in Malaysia

    Businesses require a forwarding partner that can provide tailored logistic solutions in Malaysia and move quickly in response to changing economic conditions. For growing businesses, this kind of sourcing and marketing strategy is essential since it lowers costs while boosting operational effectiveness.

    Forward Freight Services Sdn. Bhd

    The company Forward Freight Services isn’t your typical enterprise. With IATA registration, ISO 9001: 2015 accreditation, and Halal logistics certification, it is one of the best local integrated Malaysian logistic companies. They work with various types of transportation, including land, sea, and air. Additionally, they offer projects that require accommodations as well as event services for occasions such as concerts, racing, and other such activities. They are constantly looking into and offering the best options for all of their esteemed customers. Their core services include ocean and air freight, supply chain, halal logistics as well as project and event. 

    ALFRO Freight Forwarders (M) Sdn Bhd

    logistic solutions in Malaysia

    In 1985, Alfro Freight Forwarders was established. As a service-oriented business over the years, they have committed themselves to providing excellent and exceptional services to every one of their clients. In order for their valued clients to receive the benefits of their high-quality services, their team of seasoned professionals puts a great emphasis on cost-effective and efficient planning. Their trained and certified workforce can provide full logistics and distribution services for any shipping and transportation needs. Their core services include cargo insurance, packing and trucking, and consignee selling. 

    KGW Logistics (M) Sdn. Bhd.

    Third-Party Logistics (3PL) provider KGW Logistics offers comprehensive logistics services across the whole supply chain. They have supported a number of industries over the years, and they continue to work hard to demonstrate to their clients the benefits they can provide them. But we do not exist because of their trucks, warehouses, or other physical assets; they did not create us. Their employees’ commitment to upholding high standards in everything they do, regardless of where they operate, is the key to their success and our clients’ high level of confidence. Their core services include air and ocean freight, warehousing and distribution, local delivery and customizable solutions. 

    Freight Masters Logistic Sdn Bhd

    logistic solutions in Malaysia

    Twenty people work for Freight Masters Logistic Sdn Bhd, a two-man business that grew to become a Private Limited Company in January 1997. The company also owns a fleet of vehicles and has storage facilities to accommodate the shipping industry’s expanding needs. They are in a position to provide their clients with superior shipping logistics solutions thanks to their strong relationships with their foreign agents, shipping companies, and airlines. They were founded in 1984, and today they have offices all over the world in Asia, Europe, and the US. Their core services include land and sea freight, customs forwarding, marine and cargo insurance as well as warehousing. 

  • New Trend To Send Money Without Coming To The Bank

    New Trend To Send Money Without Coming To The Bank

    A bank is a type of financial intermediary organisation that has the legal right to receive deposits, make loans, and print banknotes, which are promissory notes. The word “bank” is derived from the Italian word “banca,” which denotes a money exchange. A bank, on the other hand, is a commercial organisation that collects money from the public in the form of savings and disburses it to the public in the form of credit or other forms to raise the general public’s standard of living. In recent years, there have been significant developments in the banking sector.

    Because of regulation, the market is getting more competitive. Banks nowadays are free to choose the services they provide, the places where they conduct business, and the rates they pay for deposits from customers. Banks can also be thought of as commercial organisations that gather money from the public in the form of savings and then give it to the public in the form of credit or in other ways to raise their standard of living.

    An organisation or entity that accepts credit is a bank, according to Pierson, a Dutch economist. Demand deposits, time deposits, and savings deposits are all forms of deposits that banks accept from the general population. The public deposits are then managed by directing them toward private or public commercial organisations as investments and credits.

    The following are some of the several purposes or duties of the bank that must be studied next:

    • Derivative trades may be utilised as an investing model, in other words. Even though it is typically a form of short-term investment (yield enhancement).
    • Derivative transactions can be used as a manner of hedging, also known as risk management, which implies they can be used to reduce risk.
    • Price information, or the ability to find out or provide information about the price of specific commodities in the future, means that derivative transactions can be used (price discovery).
    • Derivative transactions can have a speculative function, which indicates that there is a probability that changes in the market value of the derivative transaction itself will present possibilities for speculation.

    Online banking is a service that allows users to carry out financial activities, is a type of banking that makes use of the internet as a tool for carrying out transactions and collecting other information from the bank’s website. In this activity, the customer and the bank communicate with one another via the internet network rather than needing to physically visit the bank branch. Customers can connect their devices to the bank system using desktop computers, laptops, tablets, or cell phones that are connected to an internet network.

    How to Use Online Banking?

    Customers need a user ID, password, token, or One Time Password (OTP), and an internet connection to access internet banking. By signing up with the bank, you can acquire a user ID, password, and token. A user ID and password must be entered on the home page or during login while using internet banking, thus the user must make sure the website they are accessing is the bank’s internet banking website. Customers will be required to input the OTP they received from the token while making financial transactions. The customer must make sure that they have logged out of the internet banking website when the transaction is finished. A confirmation email from the bank confirming the transaction’s success is sent. For more info please click here online banking Malaysia.

  • Types of Insurance That Can Provide Lifetime Protection

    invest in financial protection insurance plan Malaysia

    You might be youthful and carefree now, but your responsibilities will increase as you get older. That is a foregone conclusion. If you have children, you will need to fund their education, your retirement, and care for ageing parents. That, too, is a foregone conclusion. You must select an insurance policy based on your future goals and needs. There are a few types of insurance that cater to various needs.

    Term plan

    This is the most basic and least expensive type of insurance. Term insurance is a pure risk plan that is purchased to protect your future earnings and the financial security of your family in the unlucky scenario of an accident, illness, or death due to natural causes. A term plan is so named because it covers your life for a set period of time, typically 10 to 40 years. The policy will expire at the end of that term. The rates are fixed and need to be paid for the duration of the premium-paying term in order for the policy to remain valid. If the policyholder dies before the policy term expires, the death benefit is paid to the nominee. However, there is no compensation if the policyholder survives the specified term. Some term plans even include additional perks that protect you against serious diseases and accidents.

    Whole life plan

    invest in financial protection insurance plan Malaysia

    Whole life insurance provides coverage up to the age of 99. The distinction between whole life and term insurance is that whole life plans offer a guaranteed payout because they cover an individual until the age of 99. There is a death benefit, a survival benefit, and a maturity benefit in these plans. However, the premium for these plans can be nearly three times that of a term plan. Premiums can be paid on a regular or fixed basis, and both alternatives cover the policyholders for the rest of their lives. When implemented earlier, the whole life plan provides significant benefits.

    Endowment plan

    Endowment provides the added benefit of both insurance and savings. It allows you to save regularly over a set period of time with a guaranteed minimum sum payable at maturity. Endowment is an excellent way to save for future needs such as your child’s schooling or your old age. The maturity amount is paid if the policy holder survives the policy term. In the unfortunate event of the insured’s early death, the beneficiaries will obtain the sum assured plus any applicable bonus. Endowment is thus a risk-free plan that provides a certain level of safe investments.

    Retirement plan

    invest in financial protection insurance plan Malaysia

    Retirement plans provide both investment and insurance benefits. Premiums, also known as pension plans, can be paid routinely at periodic intervals. One type of retirement insurance is whole life insurance with a regular payout after a set period of time. Immediate annuity plans are single payment plans that provide a consistent stream of income during your retirement years.

    No matter what you choose, it is still the safest option to invest in financial protection insurance plan Malaysia.