Educating and Learning

How to Successfully Apply for a Personal Loan in Malaysia

Personal loan in Malaysia is one of the best resorts to sort out your financial problem. However, applying for one isn’t as easy as picking a dress to wear for tonight’s dinner. That being said, allow us to guide you into successfully applying for a personal loan in Malaysia (also known as 马来西亚 个人 贷款 in Chinese language).

  1.    Choose the right loan

First things first, you must make sure that you are choosing the right personal loan for what you need. Most people use it for improving their house, applying for college, investing in a business, or for a holiday trip. There are numerous types of loans that could give you exactly what you need. Personal loans are not secured.

  1.    Choose the right lender

Next is the lender. Ma sure that you opt for reputable credit unions that can provide you the best loan deal. Ask for your trusted friends for recommendations or simply look for honest reviews online. The last thing that you wanted to experience is unpleasant hidden charges by a lender who wanted to reap you out of money.

  1.    Read the fine print carefully

Before you sign a contract, it is important that you understand and agree on everything that is written on the paper. Make sure that the loan terms sits well with you. Different lenders offer different terms and conditions. Pay attention to the monthly payment and the repayment term of the lender. Check the penalty for late payments and make sure there are no hidden charges once you sign the contract.

  1.    Have a good credit score

You have high chances of getting qualified for a loan if you have a good credit score. People with bad credit can still be accepted but they need to pay for at least 20% higher because of it. But for people with good credit score, you can lessen the payment for up to 8%. Make sure that you work on a good credit profile first before you start applying for loans if you want to have higher chances of getting accepted.

  1.    Borrow the exact amount that you need

You must have a purpose of borrowing money from a personal loan. Hence, you should be able to determine the amount of money that you need in order to fulfill your purpose. Make sure that you are not going to borrow more than what you can afford otherwise you will struggle to pay it back. Some lenders will lure you into borrowing more what you can handle. A wise loaner will not take the bait because it can lead to the vicious cycle of the debt trap.

Personal loans can save you from a tight financial situation. Keep the aforementioned tips above when it comes to applying for a personal loan in Malaysia. It can help you to get the best deal, borrow the money you need, and pay it back without hassle. Falling into a debt trap can introduce a lot of problems along the way and the only way to prevent it is by equipping yourself with proper knowledge.

The best food hawker center in Singapore

Singapore considered being the most advance and cleanest city in South East Asia is a magnet to all travelers and tourists alike. In Singapore, you can have all you want and all you need is a load of time and of course budget.

If you want to experience the rich cultural heritage of the place, you can do so and visit little India and china town.  These places will give you a chance to experience the richness of Chinese and Indian cultures.  For some people who are into shopping and strolling, try the busiest shopping district of orchard road.  For adventure and thrill seekers, heed to Sentosa and enjoy the beach, the rides at the Universal Studio. Singapore is a tiny country, but, it has what you need.

How about food?

Singapore is also a home for many fine dining restaurants, leading fast food names and many local players, who offer the best local and international cuisine.  But, in Singapore, where most residents don’t cook their meals anymore, people are dependent to the local food stools, known as hawkers.  In every block of residential building in Singapore, stands a hawker center.

There are the bigger ones and some are smaller, but, all of them are regulated by the government, to make sure that they stake to the standard in sanitation and hygiene.  This hawker centers serve local Malaysian and Chinese foods.

Some of the hawker centers in Singapore:  The average price for a good meal is $2.50-$5.

  1. China Town Complex food center- the largest in Singapore with around 260 stalls, you can find most of the local food here.
  2. Old Airport Road Food Centre- It is one of the oldest hawker center in the island.  This hawker center is the host of several soya bean stalls in Singapore.
  3. Maxwell Road Hawker Centre- Dining there will also give you experience with the Chinese culture.
  4. Tiong Bahru Market Hawker Centre- located just above the biggest wet market in Singapore.
  5. Chomp Chomp Food Centre – this center caters mostly to the late diners.  They serve some of the best satay in Singapore.


Eating in hawker centers in Singapore is very pleasant and enjoyable.  Because hawker centers are regulated by the government, frequent inspections are conducted by the authorities to make sure, that they adhere to the standards set by the government.  Besides, most of the residents are eating their meals, from breakfast to dinner in these hawker centers.  It is common to see whole families, parents tagging along their kids in hawker centers before going to school and after school, before going home.

The experience:

Being able to dine and rub elbows with the locals, seeing them enjoy the local food is already a bonus for you.  But, having tried the local food and see for yourself how it is done and served, is another benefit that you will get.  In there, you can enjoy dining with friends and right after, enjoy few bottle of beer, before going home.  To top it all, hawker centers in Singapore are very safe and the people are friendly, much more to the young generations, who can communicate in English.

Why You Should Look At Sales Training In Malaysia

Are you happy with the sales training programs you have been using? If you’re not satisfied with your current training programs, you might want to look at sales training in Malaysia from TrainetAsia sales training. There are a lot of excellent programs in Malaysia.

Talk To Other People That Have Gone Through Training Programs

Try to have a conversation with people that have participated in training programs like yours. If you speak to other people and learn about their experiences, you’ll be able to figure out whether or not the training programs they have taken are something that you might want to try.

There are all kinds of fantastic sales training programs out there. Speak to everyone you know that has participated in a training program like this. See if they can tell you what kind of program you should try. They may be able to offer you a recommendation.

Ask Your Employer About The Programs They Recommend

Talk to your employer and ask them about the sales programs that they recommend. They should be able to point you in the direction of one of the best sales programs in Malaysia.

Don’t worry about making compromises when it comes to sales programs. Speak to your employer and find out exactly what they want you to learn. They should be able to tell you which training programs will provide the kind of knowledge that you need.

In some cases, your employer may also be willing to cover the cost of your training. Don’t be afraid to ask them about the training programs that they typically recommend.

Look Closely At The Skills These Programs Teach

Malaysia training programs teach a range of skills. If you’re not getting what you want out of the training programs you’ve been taking, you should be able to find a sales training program that will teach you everything you want to learn.

The right training program will be able to address all of the skills that you are lacking in. By the time you complete the program, you’ll be better at sales than you originally were. Completing the right training program will allow you to increase your earning potential.

Look At The Cost Of These Programs

A lot of sales training programs are prohibitively expensive. However, this usually isn’t an issue with the training programs in Malaysia. A lot of their programs are extremely affordable.

If you know that you want to sign up for a training program, but aren’t sure you can cover the cost of a program like this, you should look at what sales training in Malaysia would actually cost you. You might be pleasantly surprised by what you see.

If you look at sales training in Malaysia, you’ll find a lot of appealing options. You should be able to find at least one program that you would like to try. Check out some of these programs so that you can decide whether or not you would like to sign up for one of them.

How To Find The Best Montessori Kindergarten Malaysia

As you consider educating your children, there are many great options. Most people choose to send their child to a school of some sort to be educated, while some people choose to educate them themselves. Both options are good, but it is important to consider your thoughts and beliefs in order to help you find the best possible choice for educating your children. One very popular and well-researched education option is Montessori kindergarten Malaysia. Read on to learn more and how to find the best education option for your personal children.

First of all, you will need to find the best Montessori kindergarten in Malaysia. You can do this in many different ways. You can start by asking friends and family members if they know of a kindergarten option that they know of. Ask any questions that you may have to help you get the information that you desire. Ace Kids is one of the more commonly recommended schools in the country.

You can also learn about different education options in Malaysia by doing your research online. There are many great websites out there and you can spend time on them. By reading the information they provide and considering what will be best for you and your children is a good starting place. You can decide which kindergarten is in a good location for you and your children. You also want to consider the tuition for the school and if it fits within your budget. Most importantly, you will want to think about the curriculum and determine if it is one that you find to be of good quality.

Once you consider the schools and which ones you find to be a good fit, you can then continue to learn about the options. You can do this by calling the school and setting up an appointment to visit the school and ask the questions that you have. During your appointment, you can see the facilities and meet the staff. You can also gain valuable information that will help you determine if the school will be a good fit for you and your children. You can check out Babies Casa Montessori and Kindergarten since you can arrange a tour in their Mont Kiara campus.

Then, you will need to make a decision as to which school you want to enroll your child in. You should do this only after visiting different schools and gaining the information that you desire. You should also work to acquaint your child with the school. This will help the transition to be a positive one that will most benefit you and your child. A Star Kids is another top notch montessori that also offers a good transition program for young kids.

In conclusion, when you want to find a great education and kindergarten for your child, considering a Montessori Kindergarten Malaysia is a good choice. You can use the tips that have been shared here to help you find exactly what you need. By giving a lot of thought to your child’s school and the curriculum that it uses, you can ensure your child has the education that you desire. An education is something that your child will have forever so thinking about it and making a smart choice is a good choice.

Discounts On IT Hardware Asset Management Software

If you have thought about getting asset management software to help you manage your company, you can find businesses that sell very reliable software. The amount of money that you can save by using the software could be substantial, plus it can also provide security measures that can help you protect your assets. This IT hardware asset management software can be obtained from many different sources. Your job is to evaluate each of the software programs that are being sold, selecting one that looks promising, and start to use this on a daily basis.

Is It Difficult To Get Set Up With These Companies?

In most cases, these businesses will be able to adapt their software to whatever business you happen to be in. They will make sure that it is monitoring all of your financial information, allowing you to see where problems may exist. This software is typically encrypted which means all of your transactions will not be visible to those that might be able to break into your system. At some point, you and your workers will become very proficient at using this, and you will start to see an increase in your overall revenues.

Why You May Need To Have This For Your Business

Part of the reason for obtaining the software is that it will give you peace of mind. You will know everything about your finances, and you will also know that this is protected by the software. If you have competitors that are constantly trying to figure out how to undermine your business, they won’t be able to once this software is installed. If you have any problems running it, the company that sold to you can provide training. Additionally, if you have any problems once it is installed, you can contact the IT department at this company to resolve any issues you are having at that time.

How This Software Can Be Beneficial For Your Company

People that invest a substantial amount of money into their businesses need to have this type of protection. It will monitor all of your finances, and by doing so, you can keep track of what is happening. This information can be very useful if you are trying to understand how to increase your ROI and profited ability. As you are monitoring your finances, it is constantly protecting all of this data from prying eyes that might try to break into your computer system. Just make sure that you have taken the time to evaluate all of these businesses and choose the software that can help you the most.

IT companies such as justsamit.com that provide this type of software can make your life easier. You won’t have to worry about protecting your information because it will all be encrypted. Additionally, you can start to work with the business, allowing them to train your employees. They will know exactly how to use it, and once you have this fully operational on all of your computers, you will be protected from potential thieve plus understand every financial aspect of your company.

Finding An Event Company In KL, Malaysia

Before you find and work with an event company in KL, Malaysia, you need some tips. They will help you to find the right company for a price that is fair. Then, you can be sure your event will be remembered by everyone for all of the right reasons.

There are a lot of companies, so you have to do a search to see how many there are and what their names are. You can use a search engine to look for something like “event companies in KL, Malaysia” and see what kind of a list you can come up with. Don’t hire the first people you find, because you still have to do research if you want to know whether they are a good company or not. You don’t want to spend money on anything until you do a little bit of looking around in case it takes some time to find what you need. We recommend AD Event in KL with their expertise in jobs such as these.

An event is going to need some kind of catering to go with it if you want to feed the people you’re going to have coming to your event. You need to find out if the event company is going to be able to get you food if you need it. You should contact each company on your list to find out what their event company can do for you. If they don’t have a lot of services they offer, then you may want to go elsewhere so you don’t have to hire a bunch of different companies for different things.

Prior to hiring someone to run an event for you, read reviews on them. There should be a few at the very least that you can find so you can see if the company is any good or not. If, however, there are no reviews that can still be a good sign. It means that if they have been around for a while, nobody has said anything about them not being that good. Either way, do some extra research before you pay anyone to do this kind of work for you just to be cautious.

Pricing is a big part of whether you should hire a company or not. One thing to watch out for are people that charge far less than the market average because they may offer sub-par services. You’re better off going with someone that is charging average prices, because then you don’t have to worry about them giving you a bad deal on what they do for you. Usually, the more you pay, the better the service is. But, don’t pay so much more that it’s not worth it because that may end in you not getting your money’s worth.

You need to be careful about the event company in KL, Malaysia you hire. You want to make sure they are capable of doing a good job. Then, you can be sure that they are worth the money that you spend on using their services. We have more info right here.

Find Home Tutor Online In Malaysia That Is Affordable

If you live in Malaysia, and you are going to school, you may need to find an online tutor. These are individuals that will be able to meet with you over the Internet, usually on Skype, and can help you with your homework. You can find these professionals very quickly. They will be able to provide you with the instruction that you need for whatever subject you are struggling in. You will need to find one that is not only competent, but also affordable. This is how you can find the rightm Malaysian home tutor that can provide you with instruction online.

How To Find Their Websites

Finding their websites is actually quite easy. There are several different tutors that offer their services. This could be in math, language, history, science, or virtually any topic. They will state what they are able to help with, allowing you to quickly organize all of the tutors that are available. You will then select from the remaining ones and hire one right away. These websites may not be their own. They may be part of a company where they have been given their own page which will tell you a little bit about each person. You can read their bios, background, education, and also see how much they charge.

Ways To Evaluate And Choose One

Of all of the ways that you can compare these different tutors, the easiest ways to look at reviews they have received online. If they are part of a company, where they have a specific section, you can also see star ratings and feedback that have been posted by people that have use their services. Additionally, you may have friends or fellow students that have used a tutor and they can recommend one to you. The other option is to simply try one out andownload (4)d see what happens. You may end up using someone that is a little less expensive if you are on a tight budget, but they may end up being the best choice and help you get through your classes.

How Often Should Use Them?

You should consider using these tutors at least once a week, something that could be affordable. You can use their services for an hour or two a day. Anymore than this can get tedious, and you will likely only have a few questions in certain areas. This will be more than enough time to get the help that you need. Additionally, they may charge a substantial amount of money per hour, and this may not be in your budget. By using your time wisely, you should be able to get all of your questions answered by the end of the weeks and you can turn your assignments in and get a good grade.

Tutors in Malaysia are just like any of the others that you will find worldwide. They will provide you with the help that you need. As long as you can find their websites, or you can find a website with hundreds of tutors that you can choose from, you will be able to find the right one to help you with your classes.

How To Choose The Right Business School

If you’re planning on attending business school, you’re going to want to find a school that will provide you with a top-of-the-line education. The school you go to should help you land a high-paying job. Here’s what you should be considering when you are looking at business schools.

Before you enroll at a school, you should look at the school’s history. Who has studied at this school in the past? How long has this school been established? What kind of employment rates do their graduates have?

The history of the school can tell you what you should expect in the present. If the school has successfully trained a number of people for the business world, you can expect to get an excellent education there. If a school’s history isn’t all that impressive, you may be better off looking for a different school.

Can You Afford The Tuition?

You need to be careful when applying for student loans. Remember, you’re going to have to pay all of these loans back after you graduate. If you will have to take on massive loans in order to cover your tuition rates, you may wind up in a spiral of debt.

You need to make sure you can afford to cover the costs of your education. Take the time to calculate what you will be paying for your full education. See how much you will have to take out in loans, and see how long it will take for you to pay everything back. Don’t just think about the present; think about your future.

Find A School With The Flexibility You Need

Not everyone can afford to be a full-time student. Some people need to juggle other responsibilities as well. If you have a job and/or children, you’ll have to find a school that can accommodate your needs.images

Thankfully, some schools go out of their way to meet the needs of their students. You may want to look for a school that offers night classes or online courses. That way, you’ll be able to make your classes fit your schedule.

Make Sure You’ll Be Able To Study With Great Professors

The professors that you learn from are going to make or break your education. If you take a class with the wrong professor, you may not learn much at all. Your professor will also impact your GPA. A professor that is known for grading harshly could bring your GPA down.

That’s why you should spend some time researching the professors that teach at a school. You should be able to find professor reviews from students. See if the students at a school were satisfied with the professors there.

Selecting the right business school can be tricky. After all, there are many different schools that offer a business program. If you know that you want to get an education from a great school, you should use the tips that are listed above. See if you can find a school that will work for you.

Tips On Obtaining A Business Degree In Malaysia

If you will be traveling to Malaysia, or if you live there, you may want to attend college. You may have always wanted to get a bachelor’s degree in business administration. There are many job openings for people that have a degree in business, but you can only apply for these jobs once you have the degree and diploma. You will need to assess the different colleges that are available in Malaysia. You will also have to apply to each one of them. You should be able to get into at least one of those colleges so that you can start to take the classes that you need.download (2)

How Do You Find These Colleges?

To get a business degree, you will have to attend one of these colleges either in person, or online. Some of them will allow you to do both. The courses that you take early on will probably allow you to complete most of them from the comfort of your home if you have a computer, but some of the final courses you may have to actually attend at the college campus. You can ask about this is you are talking to your counselor, finding out exactly how many courses you will need. They can give you a rough estimate of how long it will take, and the exact courses that you will need in order to complete your degree.

What Can You Do With The Business Degree?

There are several things you can do with the business degree. According to Mantissa College, you can work for computer tech companies, major corporations, and you can fill positions such as marketing or accounting. They will likely have a list of positions that you can apply for, and based upon the degree that you earn, you should be able to qualify for some of them. You only need to get one job with a major corporation, and then they can help you move up in that business. You should be able to find your way into one of these Malaysian businesses that are currently looking for applicants.

How Much Money Will It Cost To Get This Degree?download (3)

It is probably going to cost you tens of thousands of dollars to actually complete the degree that you need to get the best jobs. At a minimum, you need to have an Associates degree, but it is highly recommended that you go to school for several years longer to get a bachelors degree or a masters degree. The higher your degree is, the more likely it is that they will hire you for the position that you are applying for. Once you have done this, you should hear back from one of these companies that can provide you with a career that will last a lifetime.

If you have always wanted to work in Malaysia, or anywhere else in the world where you can get a job with a major corporation, getting a business degree as your first step. Educated people often have an advantage over those that do not have a formal college education, so you are weighing the odds in your favor of getting an excellent job that can lead to a rewarding career. Find out more about colleges in Malaysia that offer business degrees, apply for them, and start on the path toward a much more lucrative profession.

History About HMU

We hope that this website will meet your information needs about HMU and will provide a comprehensive introduction to our work, ambitions and achievements and to the opportunities we offer for partnership and participation in different activities in the medical and health education and research fields.

College of Medicine


The college has been established in 1977.

Degree and period of study: Bachelor in Medicine and General Surgery (MBChB), six years

Faculty staff: 129

Postgraduate students: 94

Undergraduate students: 737


The College Council

The College Council is the highest authority of the college. The Council holds regular meetings to discuss issues that need decisions to be made at the level of College Council or issues that need to be submitted to the President of University or the University Council for authorization.

The College Council is composed of the following members:

  • Farhad J. Khayat, Dean of College, Head of Council
  • Sirwan A. Garota, Assistant Dean for Admin Affairs, Secretary
  • Sabah Jalal Shareef , Assistant Dean for Scientific Affairs, Member
  • Abdul kadir Maghdeed, Head of the Department of Surgery, Member
  • Hiwa Baker, Head of the Department of Anatomy and Histology, Member
  • Tayfoor Jalil, Head of the Department of Biochemistry, Member
  • Salahaddin M. A. Al-Merani, Head of the Department of Physiology, Member
  • Nadia Yaasoub, Head of the Department of Pathology and Forensic Medicine, Member
  • Essam Y. Mansoor, Head of the Department of Microbiology, Member
  • Dashti Bustani, Head of the Department of Internal Medicine and Community Medicine, Member
  • Kawa Dizaye, Head of the Department of Pharmacology and Biophysics, Member
  • Sirwa Rasul Dabagh, Head of the Department of Gynaecology and Obstetrics, Member
  • Dler, Head of the Department of Paediatrics, Member
  • Sirwan Kamel Ali, Head of the Department of Psychiatry, Member
  • Kamaran Y. Mohamadamin, Representative of Faculty Members
  • Hast Kareem, Representative of Students


The college is comprised of the following departments:

  • Anatomy and Histology
  • Physiology
  • Biochemistry
  • Medical Microbiology
  • Pathology and Forensic Medicine
  • Pharmacology and Biophysics
  • Internal Medicine and Community Medicine
  • Surgery
  • Gynaecology and Obstetrics
  • Pediatrics
  • Psychiatry


College of Dentistry


The college has been established in 1995.

Degree and period of study: Bachelor in Dentistry (BDS), five years

Faculty staff: 37

Postgraduate students: 26

Undergraduate students: 263

The College Council

The College Council is the highest authority of the college. The Council holds regular meetings to discuss issues that need decisions to be made at the level of College Council or issues that need to be submitted to the President of University or the University Council for authorization.

The College Council is composed of the following members:

  • Jafar Hamad Kader, Dean of College, Head of Council
  • Lukman Fawzi Omer, Assistant Dean for Admin Affairs, Secretary �
  • Ziwar Ahmad Qassab, Head of the Department of Periodontics, Member
  • Ameera Kamal Khalil, Head of the Department of Prosthodontics, Member
  • Bayan Abdullah, Head of the Department of Paedodontics, Orthodontics and Prevention (P.O.P), Member
  • Ahmad Abdullah Hayder, Head of the Department of Oral and Maxillo Facial Surgery, Member
  • Faez Abdullah, Head of the Department of Conservative Dentistry, Member
  • Bakhtyar Mohyaddin, Head of the Department of Basic Sciences, Member


The college is comprised of the following departments:

  • Periodontics
  • Prosthodontics
  • Paedodontics, Orthodontics and Prevention (P.O.P)
  • Oral and Maxillo Facial Surgery
  • Conservative Dentistry
  • Basic Sciences

Teaching clinics:

There is a teaching clinic correspondent to each of the above-mentioned department in addition to the Oral Diagnosis and X-Ray clinics that comprise of 60 dental units.


College of Pharmacy


The college has been established in 1997.

Degree and period of study: Bachelor of Science (BSc) in Pharmacy, five years

Faculty staff: 21

Postgraduate students: 28

Undergraduate students: 357

The College Council

The College Council is the highest authority of the college. The Council holds regular meetings to discuss issues that need decisions to be made at the level of College Council or issues that need to be submitted to the President of University or the University Council for authorization.

The College Council is composed of the following members:

  • Mahmoud Nader Darwesh, Dean of College, Head of Council
  • Abas Faraj, Assistant Dean for Scientific Affairs, Secretary
  • Saywan Ahmad Ali, Assistant Dean for Admin Affairs, Member
  • Laziza Satar Omer, Head of Department of Chemical Pharmaceutics, Member
  • Moayad Ibrahim Sawa, Faculty Member, Member
  • Kazhal Mahmoud Salih, Faculty Members’ Representative
  • Hoger Sabah Sediq, Students’ Representative


The college is comprised of the following departments:

  • Pharmacology and Toxicology
  • Chemical Pharmaceutics
  • Laboratory analysis
  • Pharmacognos


College of Nursing


The college has been established in 2001.

Degree and period of study: Bachelor of Science (BSc) in Nursing, four years

Faculty staff: 19

Postgraduate students: 8

Undergraduate students: 170

The College Council

The College Council is the highest authority of the college. The Council holds regular meetings to discuss issues that need decisions to be made at the level of College Council or issues that need to be submitted to the President of University or the University Council for authorization.

The College Council is composed of the following members:

  • Kafia Mawlood Shareef, Dean of College, Head of Council
  • Ismahel Bilal Ismahel, Assistant Dean for Admin Affairs, Secretary
  • Nihad Ahmed Ameen, Assistant Dean for Scientific Affairs
  • Nahida Mahmud Ahmad, Adult Nursing
  • Hamdia Mirkhan Ahmad, Maternity Nursing
  • Shukir Salem Hasan, Pediatric Nursing
  • Suha Ahmad Husain, Basic Sciences


The college is comprised of the following departments:

  • Pediatric Nursing
  • Maternity Nursing
  • Adult Nursing
  • Basic Sciences


© 2018 Hawlermu