Nabil Luqman

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Money

money

retirement

good news

KWSP

payout

dividend

increase rates

saving scheme

For those of us navigating the professional realm, it's common knowledge that our monthly earnings are subject to the Employee Provident Fund (EPF), a mandatory savings scheme crafted to facilitate retirement planning.
Both employees and their employers contribute a portion of the employee's salary to the EPF, with these contributions strategically invested to generate returns. The contribution percentage is determined by the monthly salary, standing at 11% for employees and 13% for employers. These contributions are then deposited into individual accounts at the end of each month. Access to these savings is granted once the individual reaches the age of 55, primarily for retirement purposes. Exceptions include situations such as permanent departure from Malaysia or specific circumstances like education, medical treatment, and housing needs.
EPF Announces Their Dividend Rates For 2023 And Syairah Savings
<img src="https://r2.myc.my/6bcd3d1a7f83a2435f5bf105113f37bb4ec4e75b0e6b8ea214720f8de9df8505" />
The Employee Provident Fund (EPF) has declared a noteworthy dividend rate of 5.5% for Conventional Savings in 2023, resulting in an impressive total payout of RM50.3 billion. Concurrently, the dividend rate for Syariah savings is set at 5.4%, culminating in a substantial total payout of RM7.5 billion.
This signifies an improvement from the previous year's dividend payout of 5.35% for conventional savings and 4.75% for Syariah accounts in 2022. Ahmad Badri Zahir, the chairman of EPF, attributes the heightened dividends to the fund's resilient performance throughout 2023, with equities playing a pivotal role in steering overall success.
According to EPF chairman Ahmad Badri Zahir, the organization's ability to deliver enhanced dividends stems from its resilient performance in 2023, where equities played a crucial role in achieving overall success. Despite facing challenges such as geopolitical tensions, elevated interest rates, inflation, and regional conflicts, the global economy demonstrated resilience, surpassing expectations. This fortuitous global performance has allowed EPF to elevate its returns.
<img src="https://r2.myc.my/e7792c70c73d0851fb6f040a245b853499d58541426e17e9770be61120f28904" /> Left: Ahmad Badri Zahir ; Right: Ahmad Zulqarnain Onn
The elevated Syariah dividend rate found its primary impetus in strategic investments within the technology sector, specifically focusing on the "magnificent seven" stocks. In the dynamic landscape of the US financial markets, the convergence of conventional and Syariah rates unfolded, driven by the exceptional performance of the 'magnificent seven.' This term encapsulates seven tech companies, including Nvidia leveraging generative artificial intelligence, as highlighted by Ahmad Zulqarnain Onn.
Ahmad Zulqarnain Onn, the Chief Executive Officer of EPF, emphasized that a significant portion of tech companies align with Syariah principles, contributing to an augmented return in the Syariah portfolio. Moreover, Ahmad Zulqarnain hinted at the lack of complete convergence between both portfolios, as one is anticipated to consistently outperform the other.
What About The Policies For Civil Servants?
<img src="https://r2.myc.my/2a4d2aebcbfd4d75511f6484773f176c72c249960b6890fdb5186e14653ca15b" />
Currently, potential adjustments to EPF contributions for civil servants are undergoing thorough deliberation and remain the subject of ongoing debates surrounding the implementation of policy changes. Ahmad Zulqarnain suggests that if this group is integrated as EPF members and the statutory body manages them, substantial alterations to EPF's operational approach are not foreseen. Moreover, the influx of civil servants entering the public sector is notably lower than the current EPF membership derived from the private sector.
In a related development, EPF assures that the contribution rate is expected to remain steadfast, following the introduction of the flexible third account proposed during the October 2024 Budget. Further intricacies about Account 3 are set to be unveiled later in April.
For those eager to review their EPF accounts, the KWSP i-Akaun app is now readily accessible. Leading up to this announcement, users had encountered issues, reporting app crashes and difficulties accessing their accounts. However, on a positive note, numerous users have also shared instances where dividend credits were promptly and accurately reflected in their accounts, highlighting a positive aspect amidst the earlier challenges.
What are your thoughts on this? Let us know in the comments. 
&nbsp;
*Sources: Visual and Reference Credits to Social Media, The Vibes &amp; various cross-references for context.
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Good news as we have now received  an increase in the dividend payout. 

8d6eee6d7f456b689d6d34c92db7c7ca475c0b55bc30204ece570c750d2e90e0

EPF Unveils 5.5% Dividend Rate For 2023, Including 5.4% For Syariah Savings 

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Scentify

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Oatside

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Rohto

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Japanese pop-rock legends SEKAI NO OWARI&mdash;also known internationally as End of the World&mdash;have officially announced their return to Southeast Asia with their brand-new Phoenix Asia Tour. The tour, slated for October 2025, marks their first full-scale live shows in the region since their 2015 performance at MTV World Stage in Malaysia.
The band will perform in Singapore on 4 October 2025 (Saturday), followed by a show in Kuala Lumpur, Malaysia on 8 October 2025 (Wednesday). Fans in other major Asian cities&mdash;Seoul, Taipei, Hong Kong, and Shanghai&mdash;will also be treated to performances as part of the tour.
<blockquote class="twitter-tweet">
【NEWS📢】 SEKAI NO OWARI ASIA TOUR 2025「Phoenix」の開催が決定いたしました！ ▶ASIA TOUR 2025「Phoenix」特設サイト<a href="https://t.co/wBcr8khPEJ">https://t.co/wBcr8khPEJ</a> 《スケジュール》 ■ソウル / Seoul 2025.09.20 [SAT] ■台北 / Taipei 2025.09.27 [SAT] ■香港 / Hong Kong 2025.09.30 [TUE] ■シンガポール&hellip;
&mdash; SEKAI NO OWARI OFC (@SekaiNoOwariOFC) <a href="https://twitter.com/SekaiNoOwariOFC/status/1932411189084258471?ref_src=twsrc%5Etfw">June 10, 2025</a></blockquote>

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While details about the concert venues and ticketing have yet to be released, anticipation is already running high, with longtime fans eager to secure their spots once ticket sales open.
Who are SEKAI NO OWARI?
<img src="https://r2.myc.my/f6ea9c97865babb502415da9a43fccfd5a117e07069b11d6bd8a61e6db1d798c" />
SEKAI NO OWARI&mdash;literally &ldquo;End of the World&rdquo; in Japanese&mdash;is a four-piece pop-rock band whose kaleidoscopic sound and whimsical aesthetics have made them one of Japan&rsquo;s most influential contemporary groups. Formed in Tokyo and major-label&ndash;debuted in 2011, the line-up has remained unchanged: enigmatic front man Fukase (vocals, lyrics), multi-instrumentalist and band leader Nakajin (guitar), classically trained Saori (piano, stage design) and the ever-masked DJ LOVE (turntables, sampling). Their break-through single &ldquo;Starlight Parade&rdquo; lit up domestic charts, but it was 2013&rsquo;s anthemic &ldquo;RPG&rdquo;&mdash;theme for Crayon Shin-chan: Very Tasty! B-grade Gourmet Survival!!&mdash;that catapulted them into mainstream popularity, earning double-platinum certification and establishing their trademark blend of fairy-tale lyricism and stadium-sized hooks.
<iframe src="https://www.youtube.com/embed/gsVGf1T2Hfs" width="560" height="314" allowfullscreen="allowfullscreen"></iframe>
The quartet&rsquo;s catalogue is now packed with era-defining hits: the folk-EDM crossover &ldquo;Dragon Night,&rdquo; orchestral ballad &ldquo;Sazanka,&rdquo; and 2022&rsquo;s TikTok-fuelled &ldquo;Habit,&rdquo; which dominated the Billboard Japan Hot 100 for eleven consecutive weeks and captured the Grand Prix (Song of the Year) at the 64th Japan Record Awards. Their music frequently crosses into film and anime: &ldquo;Anti-Hero&rdquo; and &ldquo;SOS&rdquo; bookended the live-action Attack on Titan movies, while &ldquo;RAIN&rdquo; served as the end-theme for Studio Ponoc&rsquo;s animated feature Mary and the Witch&rsquo;s Flower.
<iframe style="border-radius: 12px;" src="https://open.spotify.com/embed/album/1NF6OvO7LcY8f7m5rVxU1T?utm_source=generator" width="100%" height="352" frameborder="0" allowfullscreen="allowfullscreen" loading="lazy"></iframe>&nbsp;
SEKAI NO OWARI&rsquo;s albums&mdash;Tree (2015), the twin releases Eye and Lip (2019), and 2023&rsquo;s Habit&mdash;have each topped the Oricon charts, and the group&rsquo;s imaginative arena productions (complete with circus sets and giant inflatable creatures) are regarded as some of the most immersive live experiences in J-pop. Alongside multiple Japan Gold Disc Awards and MTV VMAJ wins, the band has collaborated with Western acts such as Owl City and Epik High and even released English material under the name End of the World, underscoring their global ambitions. With genre-bending singles, award-winning visuals and a devoted fandom that spans generations, SEKAI NO OWARI continue to re-define what a Japanese pop band can be on&mdash;and beyond&mdash;the world stage.
A Full-Sensory Experience: Not Just a Concert
&nbsp;<img src="https://r2.myc.my/ace1a03a2e87263a32b170753433d0eac311233b22b9134661e423a7a93eaade" />
Those familiar with SEKAI NO OWARI&rsquo;s previous shows know to expect more than just a musical performance. Renowned for their cinematic visuals, immersive stage designs, and emotionally charged atmospheres, the band creates a multisensory journey that resonates long after the final encore.
Their setlists typically blend heartfelt ballads with electrifying anthems, driven by their unique fusion of J-pop, alternative rock, and electronica. Songs like SOS and Anti-Hero, which featured in the Attack on Titan films, are fan favourites that showcase their emotional storytelling and genre-defying sound.
This tour promises the same dramatic energy and breathtaking visuals that have become synonymous with the group&rsquo;s identity, making it a must-see event for fans across Asia.
A Decade in the Making
SEKAI NO OWARI&rsquo;s return to Southeast Asia has been a long time coming. Their last performance in Malaysia dates back nearly a decade, and fans have waited patiently for another chance to experience their powerful live presence. Since their MTV World Stage appearance, the band has gained international attention under their English moniker End of the World, collaborating with global artists and appearing at major music festivals.
With this tour, they are bringing their global momentum back to Asia, igniting excitement among their dedicated fanbase, known affectionately as S.N.O.W.S.
Stay Tuned for Ticket Sales
&nbsp;<img src="https://media.tenor.com/Azuy9B8e13gAAAAM/sekai-no-owari-snow.gif" />
Currently, concert venues, ticket pricing, seating plans, and possible VIP perks have yet to be announced. However, the official tour announcement was shared via the band&rsquo;s social media channels, and further updates are expected soon.
Fans are encouraged to keep a close eye on official platforms for more information and to prepare in advance&mdash;because tickets are expected to sell out fast.
Whether you're a longtime follower or new to their music, SEKAI NO OWARI&rsquo;s Phoenix Asia Tour promises an unmissable experience. With their emotionally resonant performances, genre-spanning sound, and breathtaking visuals, their return to Southeast Asia is shaping up to be one of the most anticipated Japanese live tours of 2025.
So mark your calendars:
<ul>
<li>Singapore &ndash; 4 October 2025 (Saturday)</li>
<li>Kuala Lumpur &ndash; 8 October 2025 (Wednesday)</li>
</ul>
Let the countdown begin.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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Live in Malaysia on 8 October 2025 — don’t miss their long-awaited return!

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SEKAI NO OWARI Returns To Southeast Asia With “Phoenix Asia Tour”

A catastrophic aviation disaster unfolded on Thursday, 12 June, when an Air India Boeing 787-8 Dreamliner en route to London crashed shortly after take-off from Ahmedabad, Gujarat. The crash, which occurred at approximately 1.39pm local time, claimed the lives of more than 240 people, making it the world&rsquo;s worst commercial aviation tragedy in over a decade.
Read: <a href="https://next.myc.my/articles/4026/muan-airport-tragedy-jeju-air-boeing-737-800-crash-sparks-urgent-aviation-safety-review">Muan Airport Tragedy: Jeju Air Boeing 737-800 Crash Sparks Urgent Aviation Safety Review</a>
Flight AI171, bound for Gatwick Airport, was carrying 242 individuals, including 217 adults, 11 children, two infants, and a crew of 12. The aircraft plummeted into a residential area, crashing directly into a hostel attached to a medical college in the Meghani Nagar neighbourhood during lunchtime. Among the deceased were hostel residents, including medical students, doctors, and their families.
<blockquote class="twitter-tweet" data-media-max-width="560">
2024: Just before &ldquo;committing suicide&rdquo;, Boeing whistleblower John Barnett warned of major quality issues in the company's 787 aircraft that could lead to a fatal crash. 👀 Today: Air India Boeing 787 bound for London crashes shortly after takeoff killing 242 people. RIP 😢 <a href="https://t.co/NwGtpqpKLR">pic.twitter.com/NwGtpqpKLR</a>
&mdash; James Li (@5149jamesli) <a href="https://twitter.com/5149jamesli/status/1933146204067774837?ref_src=twsrc%5Etfw">June 12, 2025</a></blockquote>

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Only One Survivor Pulled from the Wreckage
<img src="https://r2.myc.my/b488dbfb511beb6542ec5caffbe4e1aaeab481af14dfbcb2486a70a84b289dce" />
In a rare miracle, one passenger survived: a British national of Indian origin named Vishwash Kumar Ramesh. Seated in seat 11A, next to an emergency exit, Ramesh was able to escape the burning wreckage. He sustained multiple injuries but remained conscious and coherent when transported to hospital.
&ldquo;Thirty seconds after take-off, there was a loud noise and then the plane crashed. It all happened so quickly,&rdquo; Ramesh told the Hindustan Times from his hospital bed. &ldquo;When I got up, there were bodies all around me. I was scared. I stood up and ran. There were pieces of the plane all around me. Someone grabbed hold of me and put me in an ambulance.&rdquo;
Footage taken after the crash showed Ramesh bloodied and limping as he was helped into an ambulance. Police later confirmed he had managed to jump from the aircraft through the emergency exit, and that he remains the only known survivor.
Devastation on the Ground
&nbsp;<img src="https://r2.myc.my/298db1790fd7f2209c769f3f8698d3987e1a771dd616e16c324d502e2f40f6d4" />
The destruction was not limited to those on board. At least 24 people on the ground perished when the aircraft struck the building. Many others were injured. Witnesses described the crash as sounding like a bomb explosion, and some felt the ground shake as if during an earthquake.
&ldquo;My son is safe, and I have spoken to him,&rdquo; said a woman named Ramila, whose son had just returned to the hostel for lunch. &ldquo;He jumped from the second floor, so he suffered some injuries.&rdquo; Another local, Poonam Patni, recounted the horror: &ldquo;When we reached the spot there were several bodies lying around and firefighters were dousing the flames. Many of the bodies were burned.&rdquo;
Former Gujarat Chief Minister Vijay Rupani was among the victims. Authorities have asked families of the deceased to provide DNA samples for identification due to the severe burns suffered by many victims.
Cause of Crash Still Unknown
The aircraft had only just departed Ahmedabad&rsquo;s runway when it issued a Mayday call. Moments later, it vanished from radar. CCTV footage showed the plane struggling to climb before falling rapidly and disappearing from view, followed by a massive fireball rising from behind residential buildings.
<blockquote class="twitter-tweet">
The full sequence from take-off to crash&mdash;final moments of Air India 171 captured on CCTV. Clear catastrophic lack of lift just seconds after liftoff. <a href="https://t.co/l6UAzZ3wtJ">pic.twitter.com/l6UAzZ3wtJ</a>
&mdash; Shiv Aroor (@ShivAroor) <a href="https://twitter.com/ShivAroor/status/1933165937399648447?ref_src=twsrc%5Etfw">June 12, 2025</a></blockquote>

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Air traffic control confirmed the Dreamliner took off at 1.39pm and lost contact shortly after. The flight tracking website Flightradar24 reported that the plane&rsquo;s signal was lost less than a minute after take-off. Notably, video analysis suggested the landing gear was still down, which aviation experts noted as unusual for that stage of flight.
US aerospace safety consultant Anthony Brickhouse remarked: &ldquo;If you didn&rsquo;t know what was happening, you&rsquo;d think the plane was on approach, not take-off.&rdquo; The exact cause remains unknown, but mechanical failure or pilot error has not been ruled out.
First Crash for Boeing 787 Dreamliner
&nbsp;<img src="https://r2.myc.my/7ac4aab4d12e1ad863baeb5b20fea9bf77a079ca63965bb06f8176a0d97e8509" />
This crash marks the first-ever fatal accident involving a Boeing 787 Dreamliner since the aircraft entered commercial service in 2011. The specific aircraft involved, registered as VT-ANB, had been delivered to Air India in January 2014 and first flown in 2013.
The Dreamliner had a reputation for being one of the safest wide-body jets, adding further shock to the tragedy. Boeing has since dispatched a team of experts to assist with the investigation, which is being led by India&rsquo;s Aircraft Accident Investigation Bureau (AAIB).
Worldwide Response and Support
<img src="https://r2.myc.my/d2cd490d60a3b48ab94fde26bbdc156ea79cd5bafa6245d7d5ffc1f24fe980ef" /> Left: Campbell Wilson ; Right: Narendra Modi
In the aftermath, Air India and its parent company Tata Group expressed deep sorrow. Air India CEO Campbell Wilson called it a &ldquo;devastating incident,&rdquo; while Tata pledged ₹1 crore (approximately &pound;86,000) in compensation for each victim&rsquo;s family. They also committed to covering all medical expenses for the injured and pledged support in rebuilding the medical college hostel.
International leaders extended condolences. Indian Prime Minister Narendra Modi described the incident as &ldquo;heartbreaking beyond words.&rdquo; UK Prime Minister Keir Starmer called the images &ldquo;devastating,&rdquo; and King Charles was said to be closely following developments. US President Donald Trump described the incident as &ldquo;terrible,&rdquo; while British authorities confirmed they were working with Indian counterparts to support affected families.
Three of the British victims were identified as Akeel Nanabawa, his wife Hannaa, and their young daughter, Sara. Gatwick Airport has set up a special reception centre for relatives of passengers.
Investigation Underway
&nbsp;<img src="https://r2.myc.my/c210a1c82a8dfe9c642efb61c8b59407a49ae5d537aafba74a9fd9103ab43f50" />
India&rsquo;s Civil Aviation Minister Ram Mohan Naidu Kinjarapu announced that a high-level committee of experts has been formed to conduct a comprehensive investigation. The aircraft&rsquo;s black box and cockpit voice recorder have been recovered, and data from these will be crucial in determining the crash's cause.
GE Aerospace, the maker of the plane&rsquo;s engines, has also sent a team to India to assist in analysing the flight and cockpit data. The US Federal Aviation Administration (FAA) is working closely with Boeing and GE, while the UK&rsquo;s Foreign Office is providing consular support to affected families.
A Community in Mourning
The tragedy has left the city of Ahmedabad in mourning, with vigils being held outside hospitals and homes of the deceased. Scenes of relatives awaiting news or identification at the city&rsquo;s morgues underscore the profound human cost of the crash.
The incident has also reignited scrutiny over aircraft safety and airline maintenance standards, as many families question how such a devastating failure could occur so soon after take-off.
As investigators begin the difficult task of piecing together what went wrong, the sole survivor&rsquo;s story remains a haunting testament to the tragedy&mdash;and a symbol of hope amidst overwhelming loss.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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This marks one of the deadliest aviation tragedies in over a decade.

ce52eb336ef7741c4dfa738fde6409ac758fc99b8dd423f29a0ed80ad4092aa3

Tragedy In Ahmedabad: Over 240 Dead In Air India Crash, British Man Sole Survivor

What began as a suspected break-in at a family home in Bukit Rambai, Melaka, during the early hours of 12 June, has now been confirmed as a deeply troubling domestic tragedy. A 51-year-old single mother, Vernita Boon (also reported as Wen Qiu Yan in some sources), and her 21-year-old eldest son, Lim Boon Kai, were found brutally stabbed to death in the living room of their home in Taman Rambai Mutiara.
Initial reports suggested a robbery, but police have since revealed that the perpetrator was not an external intruder. Instead, the horrific attack was allegedly carried out by Boon&rsquo;s second son, a 17-year-old schoolboy, who is believed to have been driven by pent-up resentment stemming from constant academic pressure.
Early Morning Horror: From Bedroom to Bloodshed
&nbsp;<img src="https://r2.myc.my/f412e8a2c5472e6049fd21e585a15cad2bd4013b9304166c4d587d3e8955ee54" />
According to police, the suspect&mdash;who is due to sit for his Sijil Pelajaran Malaysia (SPM) examinations later this year&mdash;used a 20cm folding knife, concealed in his school bag, to stab his mother multiple times while she was asleep in her bedroom. When his elder brother entered the room in an attempt to intervene, he too was fatally attacked, sustaining stab wounds to the neck, waist, and back.
Melaka police chief Datuk Dzulkhairi Mukhtar stated that the youngest of the three siblings, a 13-year-old boy, witnessed the bloody aftermath. When he refused the suspect&rsquo;s command to leave the house, he was also stabbed but managed to escape. He was later found bleeding outside the home and is currently in stable condition in the intensive care unit (ICU) at Melaka Hospital.
Premeditated Violence, Not a Crime of Passion
<img src="https://r2.myc.my/364276571779dc2fd30154acbb15445fee9787c3b1315329bbf6681a97f69b0b" />
Forensic teams and officers from the Batang Tiga police station arrived at the scene around 6am. They discovered bloodied clothes discarded in nearby bushes and recovered the murder weapon&mdash;still in the suspect&rsquo;s school bag&mdash;indicating an attempt to destroy evidence.
Police believe the attack was not spontaneous but carefully premeditated. CCTV footage from the neighbourhood reportedly captured the suspect&rsquo;s movements, including his efforts to dispose of evidence. The 17-year-old is said to have purchased the folding knife several days prior to the attack.
When officers arrived, the teenager was found sitting outside the house in a dazed state. He has since confessed to the killings and is currently in custody, facing two counts of murder under Section 302 of the Penal Code. Investigations confirm he was not under the influence of drugs or alcohol at the time of the incident.
Underlying Motive: Academic Pressure and Emotional Distress
&nbsp;<img src="https://r2.myc.my/5e7ca778812b605ba75fff96e5e2108f458c0d2e0aa4d61e1fa8e61a7d797e53" />
At a press conference, Dzulkhairi disclosed that the motive behind the murders appears to be revenge triggered by emotional distress and unresolved resentment. The suspect reportedly struggled with his mother&rsquo;s strict academic expectations and felt overwhelmed by her frequent scolding, especially in the months leading up to his national examinations.
Neighbours told police that arguments between Boon and her children were a regular occurrence and had grown more intense in recent weeks. It is believed the older brother also contributed to the pressure, urging the suspect to focus more on his studies.
&ldquo;This is a tragic case of a child who felt trapped under academic expectations,&rdquo; said Dzulkhairi. &ldquo;The suspect claimed he was forced to study late into the night and was frequently reprimanded for not meeting expectations.&rdquo;
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A Family Already in Mourning
The family had already suffered a significant loss just six months earlier, when Boon&rsquo;s husband&mdash;reportedly a chef&mdash;passed away from illness. Left to raise three sons on her own, Boon worked as a primary school teacher in a Chinese school in Melaka and was known for her dedication to education.
The tragedy has now left two members of the family dead, one seriously injured, and the surviving son facing the possibility of a death sentence if convicted. The home, which had been a place of familial rebuilding, is now a crime scene etched with trauma and irreversible loss.
Ongoing Investigation and Legal Proceedings
Melaka deputy police chief Senior Assistant Commissioner Ahmad Jefferi Abdullah and Melaka Criminal Investigation Department chief Assistant Commissioner Leow Kian Heong were among the officials at the crime scene as forensic teams gathered evidence.
The bodies of the victims have been sent to the forensics department at Melaka Hospital for post-mortem examination. The suspect is expected to be remanded for further investigation.
Police have classified the case as murder and believe the matter is resolved in terms of identifying the suspect. However, the tragedy has reignited wider conversations about mental health, emotional support, and the pressures placed on students within Malaysia&rsquo;s high-stakes academic culture.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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Driven by emotional distress and mounting family conflict, the SPM student’s outburst ended in tragedy.

bc1891cd7dc2dc22e62e717eecb5f3c4821a42b3af719940a1a01d3339266702

Melaka Tragedy: Teen Son Allegedly Murders Mother And Brother Over Academic Pressure

This summer, Penang is set to dazzle in shades of Dior as the celebrated Dioriviera experience makes its debut on the island, bringing a sun-drenched blend of fashion, art, and refined living. From 13 June to 11 August 2025, Dior transforms the stately colonial setting of Macalister Mansion into a glamorous Mediterranean-inspired escape &mdash; a luxurious homage to the spirit of summer and the timeless allure of wanderlust.
After charming fashion aficionados at Desaru Coast in 2023 and later in Pavilion Kuala Lumpur, this year&rsquo;s Dioriviera journey continues with a new chapter in Penang, inviting Malaysians and travellers alike to bask in Dior&rsquo;s take on the season of sun, style, and sensuality.
Read: <a href="https://myc.my/articles/2560/ultimate-ig-summer-vibes-ember-beach-club-desaru-jb-with-dior-cafe-pop-up-store">Ultimate IG Summer Vibes @Ember Beach Club Desaru JB With Dior Caf&eacute; Pop Up Store</a>
A Poetic Summer Reverie at Macalister Mansion
&nbsp;<img src="https://r2.myc.my/7fdc97fbc206b390482d70b600f88415acc2d843539777197cca9e42a2bd99f5" />
Set against the heritage backdrop of the iconic Macalister Mansion, the Penang pop-up is more than a retail event &mdash; it&rsquo;s a carefully curated immersive experience. Visitors will be welcomed into a Dior dreamscape, where colonial elegance meets tropical fantasy. Lush bamboo installations, breezy canopies, and Toile de Jouy-adorned settings evoke the feel of a coastal sanctuary, all under the artistic direction of Dior&rsquo;s evocative mise en sc&egrave;ne.
This latest Dioriviera concept is steeped in the spirit of eternal summer &mdash; an attitude as much as a collection. Drawing inspiration from Monsieur Christian Dior&rsquo;s enduring love for travel and sunlit shores, the Maison brings its Riviera vision to life through a kaleidoscope of breezy silhouettes, nautical stripes, and reinvented icons.
The Collection: Toile de Jouy Reimagined, Tropical Charm Enhanced
&nbsp;<img src="https://r2.myc.my/4a4ace1765a74328052cd7636d092b4dd0afcf82c0e517311436c3c8d90f6db7" />
At the heart of the capsule collection is Dior&rsquo;s signature Toile de Jouy Sauvage, this time rendered in fresh hues of pink, turquoise, and sun-bleached ivory. Joining the lineup is the new Toile de Jouy Palms motif &mdash; a design that celebrates the lush jungles and natural splendour of tropical landscapes. From ready-to-wear garments like sarongs, ponchos, and flowing blouses to accessories such as scarves, caps, and straw hats, the collection captures a carefree yet refined spirit.
The much-loved Lady D-Lite and Dior Book Tote bags also return in updated looks, adorned with the season&rsquo;s pastoral patterns. Footwear options range from minimalist to playful, with the beloved Dway slides available in a variety of colours, materials, and heel heights, while the Dioract mules and D-Sand sandals offer both comfort and style for city strolls or beachside lounging. The latter come playfully embellished with marine-themed charms that add just the right hint of whimsy.
Lifestyle Luxe: From Fashion to Homeware
&nbsp;<img src="https://r2.myc.my/b08b662b286c1ad6bb7b35e0d7fb19eb0c7e005f2347b4f00816bd44d7aa811b" />
In true Dior style, the Dioriviera experience extends beyond wardrobe staples into the realm of luxury home living. Dior Maison unveils a new range of summer essentials &mdash; beach mats, furniture, and tableware crafted from natural materials and decorated with the iconic Cannage pattern. Notable collaborations include ceramic palm trees by Jean Roger and hand-painted enamelware vases and candle jars from the Manufacture des Emaux de Longwy, adding a touch of artisanal French savoir-faire to any home.
Jewellery lovers can also revel in the Dior Cabinet d&rsquo;&Eacute;t&eacute;, a seasonal collection of ocean-inspired accessories &mdash; think seahorses, starfish, pearls, and turret shells, designed to complement any sun-soaked ensemble.
The Dior Caf&eacute;: A Taste of the Riviera in Penang
&nbsp;<img src="https://r2.myc.my/505a52ea3a7367727e56d47fd43aee3b6aae5e3cae32219bb80b8aa41e764972" />
A standout highlight of the experience is the Dior Caf&eacute;, nestled within the mansion itself. This refined culinary retreat is a destination in its own right, serving up an elegant selection of Dior-themed refreshments and treats in a serene, stylish setting. Whether you're there for an Instagram-worthy coffee break or a leisurely afternoon with friends, the caf&eacute; perfectly encapsulates the Dioriviera lifestyle &mdash; luxurious, artistic, and effortlessly chic.
The caf&eacute; opens daily at 10.30am, slightly earlier than the pop-up, which welcomes guests from 11.00am to 9.00pm. Visitors are encouraged to take their time, enjoy the space, and immerse themselves in the full experience &mdash; from sipping curated drinks to shopping the latest capsule pieces.
A Riviera Escape, Malaysian Style
By planting its Dioriviera flag in Penang, Dior has elevated Malaysia&rsquo;s northern jewel into the global fashion spotlight. With its blend of colonial charm, rich cultural history, and lush surroundings, Macalister Mansion offers the perfect canvas for Dior&rsquo;s poetic summer escape.
Whether you&rsquo;re a style enthusiast, a design lover, or someone simply seeking a unique seasonal indulgence, Dioriviera in Penang promises a multisensory journey into the world of Dior &mdash; elegant, inspiring, and undeniably summery.
Don't miss your chance to experience this captivating coastal fantasy, running from 13 June to 11 August 2025. Whether for the fashion, the caf&eacute;, or the artful ambience, the Dioriviera pop-up is poised to be Penang&rsquo;s hottest destination of the summer.
To reserve a spot, <a href="https://www.dior.com/fashion/stores/en_int/malaysia/penang/228-jln-macalister">click here</a>.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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Dior’s most coveted summer experience lands in Penang with photo-worthy style.

a03a3cc9e010fe223ec5cf61eda6977cb366c0f0728785166f0ea36375cc484a

Dioriviera Arrives In Penang: Luxe Pop-Up And Dior Café Take Over Macalister Mansion

Malaysia is mourning the loss of 15 Universiti Pendidikan Sultan Idris (UPSI) students following a devastating bus crash along the East-West Highway (Jalan Raya Timur-Barat, or JRTB) near Tasik Banding, Gerik, Perak. The tragedy has prompted swift government action on multiple fronts, including the revocation of transport permits, cancellation of student loans, and the rollout of substantial financial assistance packages to victims&rsquo; families.
Fatal Crash Sparks Nationwide Grief
&nbsp;<img src="https://r2.myc.my/c85c01ae379d0453ae8964d7be1f827a7415c34d6fa620d86e28bab96102d0e4" />
The incident occurred when a bus carrying 42 UPSI students from Jerteh, Terengganu to Tanjung Malim, Perak collided with a Perodua Alza on the highway. The impact of the crash killed 15 students on the spot, while many others sustained serious injuries. The bus was reportedly being operated by a company based in Kedah, now found to have violated transport regulations.
The tragedy has deeply shaken the nation, with leaders across government expressing their sorrow and solidarity with the affected families. Prime Minister Datuk Seri Anwar Ibrahim personally conveyed his condolences and has since announced a coordinated response to support the victims and ensure accountability.
Transport Ministry Revokes Bus Operator&rsquo;s Permits
&nbsp;<img src="https://r2.myc.my/05c80a1143cfbfbd9bd5d30304194159c19b7170e2ccf4e295ffeed746e39b19" />
In a press conference following the incident, Transport Minister Anthony Loke revealed that the bus operator had committed two significant regulatory violations. Firstly, the bus in question had been illegally sublet to a third party in Kelantan for RM500 per month, which contravenes vehicle permit rules. Secondly, the operator failed to activate the bus&rsquo;s GPS tracking system during its journey, thereby obstructing efforts to trace the vehicle's route and operational compliance.
As a result, the Ministry of Transport has taken decisive action by revoking all vehicle permits owned by the operator, with no opportunity for appeal. &ldquo;This is a serious breach of public safety and regulatory trust. We will not compromise when it comes to the safety of our people,&rdquo; Loke stated.
To prevent similar incidents in the future, the Land Transport Agency (APAD) will establish a centralised database containing driver profiles, including past convictions and blacklisted individuals. The database will allow bus operators to perform thorough background checks before hiring drivers, ensuring only qualified and safe personnel are employed in public transportation.
Financial Assistance for Families of Victims and Survivors
&nbsp;<img src="https://r2.myc.my/41b8288482346eaee5a00082cda6b1393834f0364bc47fe67e3a55eb9c0b9806" />
In a move to alleviate the financial burden on grieving families, Prime Minister Anwar Ibrahim announced that each family who lost a loved one would receive RM10,000, while those with injured relatives would be provided with RM5,000 in immediate assistance. These payments are being coordinated at the federal level and will be disbursed promptly.
Government spokesperson and Communications Minister Datuk Fahmi Fadzil confirmed the aid during a press briefing, also noting that the Attorney-General&rsquo;s Chambers has been directed to examine all insurance aspects related to the crash. This is to ensure families receive any entitled compensation without undue delay or bureaucratic hurdles.
PTPTN Cancels Student Loans for the Deceased
<img src="https://r2.myc.my/657b3c08759d8ae81a25622c94ce6f2f87bfe1bf01406766833d72ae3cc52c54" />
In a compassionate and symbolic gesture, the National Higher Education Fund Corporation (PTPTN) has announced the complete cancellation of all outstanding student loans held by the 15 students who lost their lives in the crash.
&ldquo;This is a measure of respect and support for the families,&rdquo; said Datuk Fahmi Fadzil. &ldquo;They should not have to worry about financial obligations in such a time of grief.&rdquo; The Higher Education Minister, Datuk Seri Dr Zambry Abd Kadir, echoed the sentiment, stating that the move is in line with existing PTPTN policy and reflects the government&rsquo;s commitment to protecting students and their families during extraordinary circumstances.
Additional Support from Education and Welfare Ministries
&nbsp;<img src="https://r2.myc.my/978d5c4ad68edc4998706163015e8db2005b8f761799c4e8b3e080f0d9d1281a" />
The Ministry of Higher Education, through its foundation Yayasan Perkasa Siswa, has pledged further support. Each bereaved family will receive RM2,000 in funeral assistance, while students who were injured in the accident will receive RM1,000 in disaster relief funds.
Meanwhile, the Ministry of Women, Family and Community Development will provide RM1,000 in aid to each of the 10 UPSI students currently receiving treatment in intensive care units across two hospitals in Perak. Minister Datuk Seri Nancy Shukri said the funds are being drawn from the Yayasan Kebajikan Negara under the Skim Pemberian Ehsan Kepada Keluarga Mangsa, a special assistance programme for disaster victims and their families.
Calls for Greater Accountability and Reform
<img src="https://r2.myc.my/a87beb631e6b866c26fbbfc3b2c7151d073a63195bc8d6dc7546fc64d4dcc036" />
The tragic accident has reignited public concern over the safety of long-distance travel for students and the enforcement of transport regulations. Critics have pointed to systemic weaknesses, including lax permit enforcement and poor monitoring of bus operators, particularly during inter-state charter trips.
Transport Minister Anthony Loke reiterated that the government will take stern action against any operator found to be in violation of safety standards. &ldquo;This is not an isolated case. We must learn from this tragedy and ensure our enforcement mechanisms are foolproof moving forward,&rdquo; he said.
The government is also urging private bus companies to take greater responsibility for the condition of their vehicles and the qualifications of their drivers. Regular audits, enhanced digital tracking systems, and stricter licensing protocols are among the proposed reforms to be rolled out in the coming months.
A Nation Mourns, and Moves Forward
As funerals take place across the country, the outpouring of support&mdash;from government agencies, ministries, and ordinary Malaysians&mdash;has been deeply moving. While no financial aid can replace the lives lost, the coordinated response signals a commitment to justice, accountability, and compassion.
In the coming weeks, investigations will continue, and further recommendations are expected to be made. For now, Malaysia mourns together, united in grief and resolve, determined to honour the memory of the 15 young lives lost with meaningful change.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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The govt has also said that any appeals from the bus operator will not be entertained. 

9e514b4c1c3bece54752713f8a223351e11f0122227f184e61c53d3aca33840e

Govt Cracks Down After Tragic UPSI Bus Crash: Permits Revoked, PTPTN Loans Waived, Aid Disbursed

From 1 July 2025, Malaysia will implement a sweeping expansion of the Sales and Service Tax (SST), as part of the government&rsquo;s broader MADANI economic reform agenda. The overhaul, announced in Budget 2025 and detailed by Finance Minister II Datuk Seri Amir Hamzah Azizan, is aimed at enhancing national revenue, reducing fiscal deficits, and improving public services without placing excessive pressure on ordinary Malaysians.
The Ministry of Finance has said the move is designed to strengthen the country's fiscal position, broaden the tax base, and upgrade infrastructure and the social safety net. While some consumers are bracing for price hikes, analysts believe the impact will vary across sectors.
What&rsquo;s Staying Tax-Free (No changes)? 
<img src="https://r2.myc.my/79c27172b858d662193a9988c6ecc237fd3a3d68503dada61bd91b6c3822cc90" />
The good news for Malaysian households is that core staples and daily necessities remain zero-rated. This includes:
<ul>
<li>Unprocessed food: chicken, beef, fish, prawns, squid</li>
<li>Local produce: fruits and vegetables</li>
<li>Staples: rice, sugar, cooking oil, flour, pasta, noodles, milk</li>
<li>Essential goods: medicines, pet food, books, newspapers, journals</li>
<li>Construction inputs: cement, sand, stones</li>
<li>Agricultural supplies: fertilisers, pesticides, farming equipment</li>
<li>Medical devices and livestock feed</li>
</ul>
These items are protected to maintain affordability and protect vulnerable groups.
5% Sales Tax: Luxury Food and Industrial Goods 
<img src="https://r2.myc.my/2e9c195f5592d1198fb0fd40b05932be0c611242fda41a0db738983bc3bb6c93" />
A moderate 5% sales tax will now apply to a selection of luxury or imported products, reflecting their non-essential nature. Among the revised or newly taxed items in this tier:
<ul>
<li>King crab, salmon, cod</li>
<li>Truffles and imported strawberries</li>
<li>Essential oils and silk fabrics</li>
<li>Industrial machinery</li>
</ul>
Items already in the 5% bracket and unchanged include abalone, lobster, quinoa, cheese, fruit jams, and smartphones.
10% Sales Tax: High-End Goods and Collectibles 
<img src="https://r2.myc.my/834ff1c3e41f102895c36e3d47a35916f461b7a92500f9d4a9c1dfd840c52eca" />
The 10% bracket targets premium and luxury categories. Revised items include:
<ul>
<li>Racing bicycles</li>
<li>Antique and hand-painted artworks</li>
<li>Tungsten scrap waste</li>
</ul>
Caviar, shark fins, alcoholic beverages, cigarettes, cigars, and leather products remain taxed at 10%.
Expanded Service Tax: What&rsquo;s Affected?
The service tax, previously limited in scope, has now been extended to six new categories, with rates of 6% or 8%, depending on the sector. Notably, the government has built in exemptions and grace periods to ease the transition, particularly for small businesses and ongoing contracts.
<ol>
<li> Construction Services (6%) </li>
</ol>
<img src="https://r2.myc.my/0781a862147735e98fb447d6211da1bc8b7a1f673a53f9f0dc23fc48eafc91d4" />
Tax applies to construction work on infrastructure, commercial, and industrial buildings exceeding RM1.5 million in annual revenue. However, residential projects and public housing are exempt. Business-to-business (B2B) services and contracts signed before July 1 will enjoy a 12-month exemption.
<ol start="2">
<li> Financial Services (8%) </li>
</ol>
<img src="https://r2.myc.my/7aad389470a344b4921fa173860faa58ff29bdb0d8e454bdaa0b7d6773238e26" />
Fee-based or commission-driven services, such as loan processing, will be taxed. However, exemptions include:
<ul>
<li>Basic banking and Islamic financing</li>
<li>Capital markets and foreign exchange gains</li>
<li>Outward remittances</li>
<li>Shariah-compliant structures</li>
<li>Services by Bursa Malaysia and Labuan-based institutions</li>
</ul>
<ol start="3">
<li> Private Healthcare (6%) </li>
</ol>
<img src="https://r2.myc.my/9d04d8a67d8283b10c78d09ae54444a042cdda7dc68f6bb707e40a0187ab412a" />
Applies only to non-Malaysians. Malaysian citizens are fully exempt, including for traditional and complementary treatments such as Malay, Chinese, Indian, Islamic medicine, chiropractic care, and physiotherapy.
<ol start="4">
<li> Private Education (6%) </li>
</ol>
<img src="https://r2.myc.my/5d6bbac4f3294df37ac6cea5eda7139c3ce24131e9f8302fd3ac1e2fa641d494" />
Only affects:
<ul>
<li>Private preschools, primary, and secondary schools charging over RM60,000 annually per student</li>
<li>Higher education institutions for international students</li>
</ul>
Malaysians and persons with disabilities are exempt.
<ol start="5">
<li> Beauty Services (8%) </li>
</ol>
<img src="https://r2.myc.my/4a6975b08f4460e98298a32f97b71f1fb05daf98a80973dda3990dd6d3dede35" />
Includes facials, hairdressing, tattoos, body slimming, and similar services provided by businesses earning over RM500,000 annually.
<ol start="6">
<li> Rental and Leasing (8%) </li>
</ol>
Imposed on companies with revenue over RM500,000 per year from leasing or rental services. Exemptions include:
<ul>
<li>Residential property rentals</li>
<li>Reading materials</li>
<li>Financial leases</li>
<li>Tangible assets located overseas</li>
<li>MSMEs and B2B transactions</li>
<li>Existing contracts (12-month grace period)</li>
</ul>
Business and Market Response
&nbsp;<img src="https://r2.myc.my/3a14e8e0b78dbd1517971a48fe904e1bcff718e67cf3105ab5326ae833557064" />
Despite consumer concerns over potential price hikes, analysts from CIMB Securities and Hong Leong Investment Bank have suggested the expanded SST will have a limited impact on inflation and broader economic performance.
CIMB warned of potential margin pressure for consumer-facing businesses, especially those selling discretionary or luxury goods, as companies may absorb part of the cost increases to maintain affordability. Conversely, essential goods manufacturers and retailers are expected to weather the changes better, buoyed by consistent demand.
HLIB, meanwhile, maintains that sectors such as construction, banking, and healthcare are largely insulated due to cost pass-through capabilities and strong regional competitiveness.
The Finance Ministry projects inflation to remain within a manageable range of 2.0% to 3.5%, thanks to the targeted nature of the revised tax framework.
A Grace Period for Compliance
To ease the transition, the government has announced a non-punitive grace period until the end of 2025, during which no enforcement action will be taken against businesses making a genuine effort to comply.
Further clarity is expected in the coming weeks, as the Finance Ministry and Royal Malaysian Customs Department will issue detailed guidelines, regulations, and FAQs to help businesses and consumers navigate the updated SST regime.
While Malaysians brace for the SST expansion, it is clear the government has opted for a targeted, strategic approach &mdash; exempting essentials while taxing luxury goods and services more likely consumed by higher-income groups. Businesses will need to adapt quickly, but with transitional support and careful policy design, the impact on everyday Malaysians may be less severe than feared.
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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From beauty salons to imported fruit, the revised tax regime reshapes daily spending — but essentials remain untouched.

7ee901e8ec232ee1da27c3658125b1ba51c4f28800ec30d691cce92f81abb302

Malaysia’s Expanded SST Kicks In This July: What You Need to Know

At a time when many Malaysians are voicing concerns over the rising cost of living, stagnant wages, and economic pressures, it is worth taking a step back to consider how the country is perceived by others, particularly foreigners who view Malaysia as a land of opportunity. One such voice is that of Sofi, an Indonesian woman whose personal journey in Malaysia has recently gone viral on TikTok. Her story offers a refreshing perspective on the advantages of living and working in the country.
Leaving Home for Better Prospects
Sofi&rsquo;s migration to Malaysia began in 2016, initially as a student furthering her education. But her long-term ambition was clear &mdash; she wanted to build a stable and successful life abroad. Although it meant leaving loved ones behind in Indonesia, the promise of greater opportunities, better pay, and a more conducive working environment gave her the motivation to take the leap.
She started her job search like many others, using common recruitment platforms such as LinkedIn and Jobstreet. But for the role she eventually secured at a tech company, she chose a different path &mdash; applying directly through the company&rsquo;s website. The risk paid off, and she was hired.
<blockquote class="tiktok-embed" style="max-width: 605px; min-width: 325px;" cite="https://www.tiktok.com/@anakmerantauu/video/7506521466763169042" data-video-id="7506521466763169042">
<section><a title="@anakmerantauu" href="https://www.tiktok.com/@anakmerantauu?refer=embed" target="_blank" rel="noopener">@anakmerantauu</a> Ga cuma di Taiwan aja yang banyak orang Indo nya👀 Ada yang tertarik kerja di Malaysia?🇲🇾 <a title="indotaiwan" href="https://www.tiktok.com/tag/indotaiwan?refer=embed" target="_blank" rel="noopener">#indotaiwan</a> <a title="kerjaditaiwan" href="https://www.tiktok.com/tag/kerjaditaiwan?refer=embed" target="_blank" rel="noopener">#kerjaditaiwan</a> <a title="kerjadimalaysia" href="https://www.tiktok.com/tag/kerjadimalaysia?refer=embed" target="_blank" rel="noopener">#kerjadimalaysia</a> <a title="♬ sonido original - Selectomusic | #GoodMusic" href="https://www.tiktok.com/music/sonido-original-7352613124358425349?refer=embed" target="_blank" rel="noopener">♬ sonido original - Selectomusic | #GoodMusic</a></section>
</blockquote>

<script async="" src="https://www.tiktok.com/embed.js"></script>

In her TikTok video, Sofi explained that one of the key reasons she chose Malaysia over other destinations was its geographical proximity to Indonesia. This made the transition more manageable, both culturally and logistically. Malaysia&rsquo;s shared elements &mdash; from food to language and religion &mdash; made it easier for her to adapt compared to countries further afield.
She also noted that among her peers back home, Malaysia has built a reputation as a relatively accessible destination for work and study, especially for those looking to escape the limitations of Indonesia&rsquo;s domestic job market.
Better Pay and Tangible Benefits
<img src="https://r2.myc.my/898db9ee463fc858086150067d58819204cf214c9f74853f4572a1417ba66fff" />
A standout factor in Sofi&rsquo;s decision to remain in Malaysia post-graduation was the significantly higher earning potential. She mentioned that earning RM3,000 per month is considered a high income by Indonesian standards, especially for young professionals. This salary not only covered her living expenses but also allowed her to save &mdash; something that might not have been possible had she stayed in her home country.
What truly impressed her, however, was the Employees Provident Fund (EPF), or Kumpulan Wang Simpanan Pekerja (KWSP). She highlighted the 12&ndash;13% employer contribution as being much higher than what she would have received back home. This benefit, she said, made her feel more financially secure and gave her the assurance that she was building long-term savings.
Years of disciplined saving eventually paid off, and Sofi proudly shared that she was able to purchase her own car in Malaysia, spending around 40 million rupiah, or approximately RM10,440. While she didn&rsquo;t specify whether the car was new or used, the purchase marked a major personal milestone.
Interestingly, she still chooses to rely on public transport, particularly the LRT, for her daily commute. She finds it more convenient for navigating Kuala Lumpur&rsquo;s urban sprawl and noted that the city&rsquo;s rail network makes it relatively easy to get around without the stress of traffic or parking.
Criticisms: A Car-Centric, Pedestrian-Unfriendly Nation?
Sofi&rsquo;s video struck a chord with many viewers, drawing in comments from both Malaysians and fellow Indonesians. Many were quick to agree with her views, stating that Malaysia offers strong advantages for foreign workers &mdash; especially in terms of employment opportunities, overtime pay, and relatively straightforward hiring requirements.
One TikTok user from Indonesia wrote: &ldquo;It&rsquo;s totally worth working in Malaysia because most jobs in every state offer overtime pay. Plus, the job criteria are not that complicated.&rdquo;
However, not everyone was entirely convinced. Some questioned Sofi&rsquo;s car purchase claim, arguing that new cars in Malaysia typically cost more than RM10,000 unless second-hand. Others used her story to highlight areas where Malaysia still falls short, particularly in urban planning.
Among the critical feedback were comments from Indonesians who had visited or lived in Malaysia and felt that the country lacked pedestrian-friendly infrastructure. &ldquo;It&rsquo;s really not friendly for walking,&rdquo; one user commented. &ldquo;Compared to Indonesia, Malaysia is even harder to walk around in. It&rsquo;s very car-centric.&rdquo;
Here&rsquo;s some of the comments:
<img src="https://r2.myc.my/e4387d958d4e14ad38e2e0b9da6c7f6663c33a9e4f2cdfcde374700b679ca1da" />
This sentiment reflects a long-standing critique of Malaysian city planning, particularly in Kuala Lumpur, where walkability, shade, and safety for pedestrians often take a back seat to road and highway development. Nevertheless, the increasing availability of trains and buses in recent years has improved access for many without personal vehicles.
Malaysia as a Land of Opportunity &mdash; With Room for Growth
Sofi&rsquo;s story is just one of many that reflect the aspirations and decisions of foreign professionals who choose Malaysia as their home away from home. Her experience highlights how Malaysia remains an attractive destination for talent &mdash; offering competitive salaries, meaningful employment, financial benefits, and access to modern conveniences.
For Malaysians, her perspective might serve as a reminder that while the country faces real economic and social challenges, it still holds many advantages in the broader regional context. With continued reforms, better urban development, and fair wage practices, Malaysia has the potential to retain local talent and remain a magnet for skilled workers from abroad.
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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With better wages, stronger benefits, and long-term prospects, she says Malaysia was the right move.

2329d171a1cc919ed7667c5a15aaba4b78a3fa2f709687b768adbf7055d8a5c3

Indonesian Woman Builds Her Life In Malaysia, Calls EPF A Major Advantage

Shopee sellers are bracing for yet another increase in operational costs as the e-commerce platform confirmed a hike in its SPayLater seller fee. The change, set to take effect on 8 May 2025, will see the fee rise from 3.5% to 4.5% for all completed orders involving the SPayLater payment option.
The update was announced through Shopee&rsquo;s official Seller Education Hub, continuing a trend of rising charges for merchants using the platform.
What Is SPayLater? 
<img src="https://r2.myc.my/a62796e4303ff33bf724897f79a3f39b982bad43119b1080a6710fedfa3de146" />
SPayLater is Shopee&rsquo;s Buy Now, Pay Later (BNPL) scheme, designed to give buyers flexibility in managing their purchases. The feature enables customers to split their payments over installment plans ranging from one to 24 months. Instalments up to three months typically carry no extra fees for buyers, but longer tenures can incur charges of up to 36%, depending on the duration.
However, while buyers may choose whether or not to use SPayLater, sellers are automatically enrolled in the programme with no option to opt out. This means they must absorb the associated transaction fee regardless of whether they benefit directly from the instalment feature.
Why Are Sellers Frustrated?
&nbsp;<img src="https://r2.myc.my/e816e805f983200358e1b1830eb38cfdc3be9218e22e47533de142280683cf1c" />
The fee hike has been met with widespread frustration among Shopee merchants, many of whom took to online seller communities to express their discontent. One recurring point of criticism is the lack of transparency&mdash;Shopee has not provided any formal explanation for the increase.
Many sellers are questioning why they are being penalised when it is ultimately the buyer&rsquo;s decision to use the SPayLater facility. The platform&rsquo;s insistence on making SPayLater mandatory for eligible sellers has only fuelled further resentment.
A number of sellers have even suggested raising their prices to cushion the impact of the new fee, potentially making Shopee less competitive for buyers as a result.
Sellers Speak Out: &ldquo;It&rsquo;s Getting Too Much&rdquo;
Among those voicing concern is Loh, a power tool seller who requested partial anonymity. Speaking to local media, Loh said that the compounding cost of selling on Shopee&mdash;including this new SPayLater fee&mdash;is driving him to reconsider the platform entirely.
&ldquo;My business has to contend with more and more extra fees, and I&rsquo;d need to hire someone just to operate and manage the sales channel,&rdquo; he said. &ldquo;That&rsquo;s pushed my business away from focusing too much effort towards selling on Shopee.&rdquo;
A Pattern of Increasing Charges
&nbsp;<img src="https://r2.myc.my/5268806b0bc67a485230899cca302a30408a47ee615a61836d3eb4fcd5c7d8bc" />
This latest update follows a previous hike in August 2024, when Shopee increased its general Transaction Fee for sellers from 2% to 3.5%&mdash;a move that excluded SPayLater and credit card payments at the time. That change, too, received criticism from small business owners struggling to maintain margins on the platform.
It&rsquo;s also worth noting that the new 4.5% SPayLater fee is subject to Malaysia&rsquo;s 8% Sales and Service Tax (SST), effectively making the total cost to sellers even higher.
Shopee&rsquo;s Justification &mdash; and What&rsquo;s Missing
While Shopee has highlighted that SPayLater can increase a seller&rsquo;s gross merchandise value by offering flexible payments to buyers, it has not justified the fee hike directly or provided any context for the additional cost burden. The omission has left many sellers feeling alienated, especially as BNPL platforms typically share costs across both buyers and sellers in a more transparent manner.
What&rsquo;s Next for Shopee Sellers?
As sellers scramble to adjust to the updated fee structure, questions remain about Shopee&rsquo;s long-term strategy and its impact on small and medium-sized businesses. If costs continue to rise without improved support or clearer communication, more sellers like Loh may look to alternative platforms or offline sales.
For now, the 4.5% fee for SPayLater orders will go into effect from 8 May 2025, and sellers will have no choice but to comply &mdash; or reconsider their future on the platform.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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To offset the higher fee, some sellers may begin raising their product prices.

d833dc61e66b6ef0a5823f527e207e67a587df0bf7f6b63aee2eaa945ecfefb6

Shopee Hikes SPayLater Seller Fee To 4.5% From 8 May

Malaysia&rsquo;s real wages have deteriorated drastically over the past four decades, leaving today&rsquo;s workforce with significantly reduced purchasing power, former Bank Negara Malaysia (BNM) Governor Tan Sri Muhammad Ibrahim warned in a recent interview with Sinar Harian. He remarked that many Malaysian graduates are now trapped in low-income jobs despite the country&rsquo;s economic growth, and are increasingly unable to meet basic life milestones such as home or car ownership.
Recalling his own experience, Muhammad said he earned RM1,300 upon entering the job market in 1984. Today, a typical fresh graduate earns between RM2,000 and RM3,000 monthly&mdash;a marginal increase in nominal terms that doesn&rsquo;t reflect the sharp rise in living costs. When adjusted for inflation&mdash;assuming a conservative annual rate of 5%&mdash;today&rsquo;s graduates should be earning closer to RM7,000 to RM8,000 to match the purchasing power of their 1980s counterparts.
&ldquo;In real terms, salaries today are only a third of what they used to be,&rdquo; he said, adding that if current trends continue, today&rsquo;s young people may never enjoy the same quality of life his generation did.
The Rise of the Low-Income Graduate
&nbsp;<img src="https://r2.myc.my/8b9b1df643980df936b15d80d18d4cd0dc132c1876493e893f16a7f82f9ea0b9" />
Quoting recent data from the Ministry of Higher Education, Muhammad pointed out that around 40% of university graduates today earn less than RM2,000 per month in their first job. He believes this is a clear indication that the country&rsquo;s education and economic systems are not aligned with the demands of a competitive, modern workforce.
&ldquo;Without major reforms in our education and economic frameworks, we are condemning our youth to a future dominated by low-skilled, low-paying jobs,&rdquo; he said. He warned that Malaysia continues to lag behind other nations that were once on par with or even behind Malaysia in the 1960s, including Taiwan, South Korea, China, and Japan&mdash;all of which now enjoy far higher standards of living due to sustained structural reform.
Foreign Labour Suppressing Wage Growth
&nbsp;<img src="https://r2.myc.my/5406ec1a17a9d7bf3194d18b8d4f0f3a9b308046fa34fae7aa9052f441ee73c0" />
Muhammad also addressed the impact of Malaysia&rsquo;s heavy reliance on foreign labour, which has contributed to wage stagnation&mdash;particularly for the country&rsquo;s B40 income group. As of 31 December 2024, there were 16.78 million workers in the country, with 2.37 million or roughly 14% of them being foreign workers.
These foreign workers primarily fill 3D (dirty, dangerous, and difficult) jobs in sectors such as construction, manufacturing, agriculture, food services, and domestic work. While these jobs are often shunned by locals, the influx of low-cost labour from countries like Indonesia, Bangladesh, and Nepal has created wage suppression for Malaysians in similar roles.
&ldquo;When employers can hire workers cheaply, they have no incentive to raise wages for locals. This affects our citizens directly, particularly those in the B40 segment,&rdquo; Muhammad explained.
A Growing Brain Drain: Nurses, Labourers, and the Search for Better Pay
&nbsp;<img src="https://r2.myc.my/98e2ef14dd46045ab74a765328aa4a01be2305e38cc96f307eb39f9fb5a9095d" />
Malaysia is not only failing to retain its skilled workforce&mdash;it is also losing talent to neighbouring countries with better wages. Muhammad highlighted that many local nurses are now migrating to Singapore, Saudi Arabia, or the UAE, where they can earn two to four times more than they would at home.
For example, JobStreet data shows that a nurse in Malaysia earns between RM2,700 and RM3,400 a month, while in Singapore, the salary ranges from RM11,000 to RM13,000. Even Saudi Arabia offers nearly RM7,000 per month.
Beyond white-collar professionals, Muhammad noted an increase in Malaysians crossing into Singapore to perform menial work. &ldquo;This isn&rsquo;t just brain drain&mdash;it&rsquo;s now even low-skilled drain,&rdquo; he said. &ldquo;If we don&rsquo;t address this soon, Malaysia may one day become a labour-exporting country, with our children working as maids or labourers abroad.&rdquo;
Income Reclassification Misses the Bigger Picture
In response to the government&rsquo;s recent proposal to update income classifications&mdash;changing the B40, M40, and T20 system to B20, M50, and T30 based on consumption data&mdash;Muhammad said the new categorisation risks masking the real challenges of wage stagnation and cost-of-living pressures.
He argued that income-based benchmarks remain critical, as consumption patterns can be misleading, particularly when driven by debt or necessity. &ldquo;If you use the older income definitions, the B40 group probably now encompasses 60% of the population, not just 40%, due to post-COVID economic strain, low savings, and wage stagnation.&rdquo;
GDP Growth Is Not the Only Measure of Progress
&nbsp;<img src="https://r2.myc.my/22a9e4e83055f7cdd1d63ffcdcda10cf416dc4f30fb6da1e70054dc4586bb5bf" />
Muhammad also criticised the nation&rsquo;s obsession with GDP growth as a benchmark for success. &ldquo;GDP doesn&rsquo;t put food on the table,&rdquo; he said bluntly. &ldquo;Real progress should be measured through employment quality, wage growth, and job structure&mdash;not aggregate output.&rdquo;
He noted that at international forums such as the World Economic Forum in Davos, discussions in developed countries have shifted from GDP to employment outcomes. &ldquo;The real question they ask is: what kinds of jobs are being created? That&rsquo;s where Malaysia needs to start focusing,&rdquo; he added.
Urgent Reforms Needed to Avoid Long-Term Decline
Despite the grim outlook, Muhammad said Malaysia still has time to reverse course. He pointed to the remarkable growth trajectories of East Asian economies that once had lower per capita incomes than Malaysia but have since surged ahead through long-term reform in education, technology, and governance.
&ldquo;We cannot continue benchmarking ourselves against regional peers who are also struggling. We must aim higher,&rdquo; he said.
He concluded with a warning: &ldquo;Without a bold and decisive push for structural change, we risk raising a generation that is poorer than the last, unable to afford homes, education, or healthcare, and forced to look overseas for dignity and opportunity.&rdquo;
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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Adjusted for inflation, graduate salaries today should be at least RM7,000 to RM8,000. 

1254876841663624d39e980db9c2b93f80e0bd826af3bf2c5e6c4faf4ff6f6b7

Former BNM Governor: Malaysian Real Wages Have Dropped Threefold Since The 1980s

Conservative American commentator Bill O&rsquo;Reilly has reignited tensions with Malaysia after doubling down on controversial remarks suggesting Southeast Asian countries, including Malaysia, lack the financial means to benefit from Chinese trade relations. The former Fox News host&rsquo;s comments drew sharp criticism from Prime Minister Datuk Seri Anwar Ibrahim, who accused O&rsquo;Reilly of holding a worldview rooted in colonialism and racial superiority.
Xi Jinping&rsquo;s Regional Tour Sparks Economic Debate 
&nbsp;<img src="https://r2.myc.my/2f7aebc041329cdd6e457b355330ed4e677bf6ab968aa120dfb644b6e0da3bc7" />
The dispute stems from Chinese President Xi Jinping&rsquo;s recent diplomatic tour of Malaysia, Vietnam, and Cambodia &mdash; a strategic move by Beijing in light of escalating trade tensions with the United States, including a newly imposed 145% tariff on Chinese goods.
O&rsquo;Reilly responded to Xi&rsquo;s visit by questioning the economic value of China&rsquo;s outreach to the three Southeast Asian nations. He suggested these countries lacked the financial capacity to purchase Chinese-made products, sarcastically declaring: &ldquo;We have the money, we buy stuff. The &lsquo;Malays&rsquo; aren&rsquo;t gonna buy your stuff. They don&rsquo;t have any money.&rdquo;
His use of the ethnic term &ldquo;Malays&rdquo; to generalise the entire Malaysian population further provoked backlash online, with many accusing O&rsquo;Reilly of cultural ignorance and racial insensitivity. Read: <a href="https://myc.my/articles/4248/xi-jinpings-southeast-asia-tour-draws-mockery-from-us-commentator-but-malaysias-economic-numbers-tell-a-different-story">Xi Jinping&rsquo;s Southeast Asia Tour Draws Mockery From US Commentator &ndash; But Malaysia&rsquo;s Economic Numbers Tell A Different Story</a>
Anwar Hits Back: &ldquo;Xenophobia, Racism, and Colonial Arrogance&rdquo;
&nbsp;<img src="https://r2.myc.my/08bbca4443221f96e4102a5acfecd8f583bbc2966c981a0e99634993d3cc665c" />
In a strong rebuttal, Prime Minister Anwar Ibrahim lambasted O&rsquo;Reilly&rsquo;s statements as not only factually flawed but also emblematic of a deeper, more insidious mindset.
&ldquo;He is clearly trapped in a narrow worldview shaped by colonialism, racism, and xenophobia,&rdquo; said Anwar, who also serves as Malaysia&rsquo;s Finance Minister. &ldquo;It reflects a deep ignorance of the socioeconomic realities in Southeast Asia and a belief that only their group or nation is successful.&rdquo;
Anwar&rsquo;s remarks were widely supported by Malaysians and regional observers, who viewed O&rsquo;Reilly&rsquo;s comments as dismissive of the economic progress made by developing nations in Asia.
O&rsquo;Reilly Responds with More Provocation &mdash; and Geography Errors
In a subsequent YouTube video, O&rsquo;Reilly read out Anwar&rsquo;s response, appearing both amused and unrepentant. He reiterated his claim that Malaysians &ldquo;don&rsquo;t have money&rdquo; by citing Malaysia&rsquo;s household income per capita, which he claimed stands at US$5,731 annually (~RM25,110), compared to the US figure of US$42,220 (~RM184,585).
&ldquo;That's eight times higher,&rdquo; O&rsquo;Reilly declared. &ldquo;So if you want to buy a little hat, and you're only making five grand a year, you're not gonna buy it. You're not getting Chinese takeout either in Kuala Lumpur. You're barely eating.&rdquo;
He added, &ldquo;China is not going to be able to sell its stuff in your country, or Vietnam, or Cambodia. Got it?&rdquo;
<iframe src="https://www.youtube.com/embed/V85NEV6pQZM" width="560" height="314" allowfullscreen="allowfullscreen"></iframe>
Despite the inflammatory tone, O&rsquo;Reilly did attempt to soften his comments by acknowledging that Malaysia is a &ldquo;beautiful&rdquo; country &mdash; albeit one he described as &ldquo;complicated.&rdquo; He also claimed he wanted the country to succeed but cheekily concluded, &ldquo;this &lsquo;colonialist&rsquo; has told the truth.&rdquo;
However, the commentator went on to confuse Malaysia with Indonesia, wrongly stating that former US President Barack Obama was &ldquo;partially raised in Malaysia.&rdquo; In fact, Obama spent part of his childhood in Indonesia &mdash; an entirely separate country. The factual gaffe further undermined O&rsquo;Reilly&rsquo;s credibility, especially among viewers in Southeast Asia.
The Flawed Economic Comparison: A Misunderstanding of Local Realities
&nbsp;<img src="https://r2.myc.my/ce282d27b51434ea8b4d878053177e3f809da63fcc1e8d47c8593eff0347b0dc" />
While the household income figures quoted by O&rsquo;Reilly are broadly accurate &mdash; with Malaysia&rsquo;s data taken from CEIC and correct as of late 2022 &mdash; his interpretation of those numbers lacks nuance. Economic analysts were quick to point out that comparing raw income figures between two vastly different economies without considering the cost of living and purchasing power parity (PPP) paints a misleading picture.
According to forecasts from Statista, Malaysia&rsquo;s household disposable income per capita is projected to rise to RM32,228 (~USD7,370) by 2025. When adjusted for PPP, the income disparity between Malaysia and the US narrows considerably, offering a more accurate representation of everyday purchasing power.
Furthermore, O&rsquo;Reilly&rsquo;s claim that Malaysians are &ldquo;barely eating&rdquo; and can&rsquo;t afford Chinese take-out in Kuala Lumpur drew widespread mockery online. In truth, Chinese cuisine is among the most common and affordable foods in Malaysia. Local Chinese restaurants, hawker stalls, and kopitiams offer hearty meals for as little as RM6 to RM20 &mdash; easily within the reach of most working and middle-class residents.
A Clash of Cultures &mdash; or Just Misinformation?
&nbsp;<img style="display: block; margin-left: auto; margin-right: auto;" src="https://r2.myc.my/bf8f9e0672ef18e5532af95f858eae6bc18c59785f744c785baa6a73d7f42766" />
O&rsquo;Reilly&rsquo;s long-standing relationship with US President Donald Trump and his deep roots in American conservative media have helped shape public opinion in the United States for decades. However, his latest comments have highlighted a broader issue: the cultural blind spots and outdated assumptions that still exist in Western commentary on Asia.
While O&rsquo;Reilly may find support from sections of the American right, many in Southeast Asia viewed his remarks as tone-deaf, outdated, and laced with condescension. As Anwar and others have pointed out, such statements not only misrepresent the region&rsquo;s progress but also reinforce dangerous stereotypes about the Global South.
Here&rsquo;s some of the comments from netizens:
<img src="https://r2.myc.my/286074c669df0c5f11a2f4de26b0e5871fcfc66b5acef40c8ea242c653e5fb72" />
Conclusion: More Than Just a Viral Clip
What began as a throwaway comment in a YouTube video has now morphed into a diplomatic and cultural flashpoint, illustrating how global discourse is increasingly shaped by online personalities with outsized influence.
In this case, Bill O&rsquo;Reilly&rsquo;s reductive take on Southeast Asia&rsquo;s economy sparked a much-needed conversation &mdash; not just about income disparities, but about the lingering legacies of colonial attitudes and the importance of understanding nations on their own terms.
&nbsp;What are your thoughts on this? Let us know in the comments.&nbsp;
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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Even with eight times less household income per capita, Malaysians don’t suffer as much as the average American.