Mannju, Author at LBS Bina

Bidding Goodbye to High Utility Bills

Mannju on June 28, 2023

Are you done with paying high monthly housing utilities in Malaysia? Fret not. We have a few tricks up our sleeves that can effectively trim down your bills while comfortably enjoying your monthly utility bills. Here are some tips to help you reduce your monthly housing utilities in Malaysia:

Install energy-efficient appliances: One of the easiest ways to save money on your electricity bill is to replace your old appliances with new energy-efficient ones. Appliances such as refrigerators, air conditioners, washing machines, and televisions consume a lot of electricity. By choosing energy-efficient models, you can significantly reduce your monthly electricity bills. Look for appliances that have a high energy rating and inverters, such as those with a 5-star rating.

Close-up of economist using calculator while going through bills and taxes in the office.

Unplug unused appliances: Many would think that leaving the plugs in is negligible due to its minuscule electricity usage. Did you know that appliances such as chargers, televisions, and computers continue to use electricity even when they are not in use? Unplugging these appliances when they are not in use can help you save money on your electricity bill.

Make use of natural light: Make the most of natural light by opening up your curtains and blinds during the day. This will reduce the need to turn on lights, which can help you save money on your electricity bill. Additionally, sunlight can help kill bacteria and provide vitamin D, which is essential for your health.

Install energy-saving light bulbs: Energy-saving light bulbs, such as LED bulbs, use less electricity than traditional light bulbs and can last longer. Switching to energy-saving light bulbs can help you save money on your monthly electricity bill. Additionally, LED bulbs come in different colors and can be dimmed or controlled by smartphones, creating a unique and comfortable ambiance for your home.

Turn off lights and fans when you leave a room: It’s easy to forget to turn off lights and fans when you leave a room, but doing so can help you save money on your electricity bill. Turning off lights and fans when they are not needed will not only help you save money but also prolong the lifespan of the appliances.

Use air conditioning efficiently: Air conditioning can be a significant contributor to your monthly electricity bill. To use your air conditioner efficiently, set the temperature to a comfortable level, clean the filter regularly, and turn it off when you leave the house. Using a smart air conditioner controller or a timer can also help you save money.

Reduce water usage: Reducing your water usage can help you save money on your monthly water bill. Consider taking shorter showers, fixing leaky faucets, and using a low-flow showerhead. Additionally, using a rainwater harvesting system can help you save money on your water bill while being environmentally friendly.

By implementing these simple tips, you can significantly cut down on your monthly housing utilities in Malaysia and save money in the long run. Not only will you be able to enjoy a more comfortable lifestyle, but you will also be contributing to a sustainable future.

Purchasing A Home: Available Schemes

Mannju on June 28, 2023

“If you are in the process of actually buying a house, dreams about this can be your subconscious processing these actions in your waking life.”

When purchasing a home, it is important to evaluate your household’s monthly income. This will assist you in determining whether or not you can afford the house you desire.

Buying a house is a major step in the life of any individual, but for first time homebuyers it can feel like a 100% obstacle. The housing market can be confusing, especially if you are not sure where to start. But, with the right information, it is possible!

You may get to start your journey of homeownership now.

The first step is to determine your budget. Congratulations if you have saved enough money for a down payment. You are now prepared to begin looking at properties and applying for financing. If not, there are government programmes that may help you in getting a mortgage even if you do not have excellent credit or the required down payment. Many banks in Malaysia offer special programs designed specifically with first-time buyers in mind-so don’t be afraid to ask!

Second, make sure you know your credit score. You may go for a free credit score check. If you find some errors on your report, you can dispute them by contacting the company and let them know what is incorrect.

Third, find out what kind of loans that are available to you and how much money you would need to qualify for each one.

Fourth, be prepared with documentation. This includes proof of income (such as pay slips), bank statements, proof of residence (utility bill) and copies of any other documents related.

If you have a monthly household income of RM3,000 to RM4,999, the Malaysian government has a housing scheme that allows you to buy your first property. The scheme also requires a high credit score, which means you must have a track record of making on-time payments.

Assuming that you meet the requirements, you can purchase your first home in Malaysia with a 10% down payment (RM30,000). The government will provide you with an interest-free loan for up to 15 years at 4% each year.

The Malaysian Government has several housing schemes for low-income households. These include:

MyHome Program Perumahan Rakyat by Bank Simpanan Nasional (BSN)

Rent-to-Own (RTO) Scheme

Bank Negara Malaysia’s (BNM) RM1 Billion “Fund for Affordable Homes”

Youth Transit Housing (MyTransit) by KPKT

Home Ownership Campaign (HOC)

Vox Pop : Quiz Game | Part 2

Mannju on June 28, 2023

Oh boy, oh boy!

In the previous episode, our teams struggled to score even a single point.😜

What on earth went wrong?

But hey, don’t lose hope just yet!

Brace yourself for an epic redemption arc as they face mind-boggling hurdles, twists, and turns to catch up and claim victory!🥳

Get ready to cheer, gasp, and maybe even shed a tear, it’s gonna be one heck of a thrilling ride!

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Do drop some comments on your thoughts and maybe some interesting topics we can look into!

Vox Pop : Quiz Game | Part 1

Mannju on June 28, 2023

Think you know everything about our VoxPop series?😎

Oh, you’re in for a wild ride!🚂

Get ready to witness the brilliant minds of LBS Bina staff from different departments as they put their VoxPop knowledge to the ultimate test!

So buckle up, grab your popcorn, and let the excitement unfold!🤩

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Do drop some comments on your thoughts and maybe some interesting topics we can look into!

The Edge City & Country IBS Factory (MGB)

Mannju on June 27, 2023

For the month of June, Tan Sri Ir. Lim Hock San was invited to three exclusive interviews, covering three unique angles.

Firstly, in conjunction with Nanyang’s 100 Years Anniversary, Tan Sri Ir. Lim was invited as one of the business magnates and how he cultivated his three children, Isaac Lim, Lucas Lim, and Shany Lim as the third-generation leaders of LBS.

Second, Tan Sri Ir. Lim was present for The Edge City and Country on MGB IBS’ potentials and future outlooks, namely, utilization of the technology in upcoming projects and its sustainability goals, with coverage.

Lastly, Tan Sri was also invited for an exclusive studio interview with BFM Caijin to explore LBS’ prospects for the remaining of 2023.

Simultaneously, Dato’ Sri Daniel Lim was present at the BCI 2023 Award and joined in for an interview where he shares on LBS’ winnings and projects that helped aced the BCI award as the Top 10 developer.