Should I apply for a credit card in Malaysia? | Updated

-
Should you apply for a credit card? There are good points and there are bad points.

Let me begin with some good points:
  1. It’s better than borrowing from “Ah Long”.
  2. You would need it if you or your loved ones need to get admitted to a private hospital. Private hospitals will need a deposit before they do any major procedure on you or even to admit you. Or else, you will be transferred to the government hospital. Further, most of us do not carry so much cash in our wallet.
  3. You would need it if you are suddenly jobless for whatever reasons and you have no extra cash. Living in a city means you can’t plant your own vegetables and hunt for meat. Almost everything cost money!
 The bad points:
  1. You start to buy expensive and branded products as if there is no need to pay back.
  2. You do not manage your credit card account/s and got yourself blacklisted.

Comments

Post a Comment

Popular posts from this blog

FLCCC I-Care Early Treatment Protocol (2023)

-
Image
The Front Line COVID-19 Critical Care (FLCCC) Alliance was initially formed as a working group under “emergency” conditions of the early COVID-19 pandemic in response to multiple early reports of COVID patients with an inexplicably high need for prolonged mechanical ventilation and an excessive mortality associated with the prevailing “supportive care only” recommendations disseminated by the majority of national and international health care organizations. Early treatment is critical and the most important factor in managing this disease. COVID-19 is a clinical diagnosis; a confirmed antigen or PCR test is not required. Treatment should be initiated immediately after the onset of flu-like symptoms. The multiple therapies and drugs in this protocol have different mechanisms of action and work synergistically during various phases of the disease. About this Protocol The information in this document is our recommended approach to COVID-19 based on the best (and most recent) literature. I
Read more

Find a Doctor who will prescribe Paxlovid and Early Outpatient Treatments for COVID-19 (USA)

-
Image
Treatment should start based on clinical suspicion as soon as possible, preferably within the first 3 days of symptoms. Perform PCR testing, but do not withhold treatment pending results. Update: COVID XBB variant in USA: Symptoms and Treatment See the directory of professionals in US below. Directory of Doctors (by State) Prescribing Effective Outpatient COVID-19 Therapy USA ​ MULTIPLE STATES (Telemedicine or online consultation) | Nationwide Plushcare (Paxlovid):  https://plushcare.com Push Health (Paxlovid):  https://www.pushhealth.com/drugs/paxlovid Text2MD (IVM and I-MASK+) (855) 767-8559  https://text2md.com Dr. Miguel Antonatos (Founder) States: AL, AZ, CO, FL, GA, IA, ID, IL, KS, KY, MD, ME, MI, MN, MS, ND, NE, NJ, NV, OK, SC, SD, TN, UT, VT, WA, WI, WV   Speak With an MD Telemedicine:  https://speakwithanmd.com Secure Your Wellness: (561) 418 6421 support@secureyourwellness.com https://secureyourwellness.com/  (Treatment is available only via online) States: AZ, AR, CO, DC, FL
Read more

FLCCC I-Recover Protocol: Post Vaccine Treatment Protocol (February 2023)

-
Image
Although no official definition exists for post-COVID-vaccine syndrome, a temporal correlation between a patient receiving a COVID-19 vaccine and beginning or worsening of clinical manifestations is sufficient to diagnose as a COVID-19 vaccine-induced injury, when the symptoms are unexplained by other concurrent causes. Note that there are significant overlaps between the symptoms and features of long COVID/ long-hauler syndrome  and post-vaccine syndrome. However, a number of clinical features appear to be characteristic of post-vaccine syndrome; most notably, severe neurological symptoms appear to be more common following vaccination. To complicate matters further, patients with long COVID are often also vaccinated, making the issue of definition more difficult. Since there are no published reports detailing the management of vaccine-injured patients, the FLCCC treatment approach is based on the postulated pathogenetic mechanism, clinical observation, and patient anecdotes. Treatment
Read more

20 Best Medical Cards in Malaysia 2023

-
Image
Private hospitals in Malaysia will normally require a deposit before they admit you. This can usually be paid by cash, debit card or credit card. However, if you have a medical card, most private hospitals will accept admission without the deposit (cashless admission), after receiving the guarantee letter from the medical insurance company. If you do not have a medical card, you might want to consider having one. Given the options available, it's not easy to decide which of these to choose from. We take a look at the most popular medical cards in Malaysia and try to assist you in deciding which gives you the best value. Source: The Star Online, "Planning for healthcare costs in retirement", 4 October 2015 Compare best medical cards offering cashless admissions with flexible benefits and paying 100% of your medical bills, from major insurers in Malaysia. Here is the list: AIA Medical Card Malaysia WEBSITE:  www.aia.com.my ADDRESS: Menara AIA, 99 Jalan Amp
Read more

I-CARE Insulin Resistance Protocol: Guide to Managing Insulin Resistance, Metabolic Syndrome and Type II Diabetes

-
Image
Insulin resistance has emerged in the last 50 years as the world’s most common disorder and the single largest cause of loss of life. Also known as ‘metabolic syndrome, it leads to conditions like high blood pressure, high blood sugar, excess body fat around the waist, and abnormal triglyceride and cholesterol levels. As this document makes clear, insulin resistance and type II diabetes are largely reversible through adopting healthy lifestyles. Treatments Intermittent fasting/time-restricted eating : This is the most efficient and effective way to lower insulin levels and restore insulin sensitivity. In addition, fasting has a profound benefit on the immune system, partly by stimulating the clearing of damaged cells (autophagy), damaged mitochondria (mitophagy), and misfolded and foreign proteins. Fasting also improves mitochondrial health and increases stem cell production, and is the most effective method to achieve sustained weight loss. Cautions and contraindications Avoid fasting
Read more

Glutathione vs NAD: What's the Difference?

-
Image
What's the difference between glutathione and NAD? We will cover the essentials and explain about each of these nutrients below.  What is Glutathione? Glutathione or GSH (tripeptide of glutamic acid, cysteine, and glycine) is referred to as the body’s “master antioxidant” or the “mother of all antioxidants” because it is your body’s primary and most prevalent protector, found in all mammalian tissue. Types of Glutathione There is a lot of confusion about GSH and what makes an effective glutathione supplement. There are different types, different formulas, and a lot of different companies saying different things. L-Glutathione or Reduced Glutathione because it is the most commonly found, least expensive, and the true core behind other forms you will find. There is some debate whether L-Glutathione alone can be effective taken orally. The theory being the enzymes in your stomach break it down before it can ever reach the blood stream and become useful. Some  evidence  suggests using
Read more

Dr Peter McCullough: Prescription and Over-the-Counter Treatments for Post-COVID Syndrome (2023)

-
Image
Over three years into the pandemic with nearly the entire country having become sick with SARS-CoV-2, a virus engineered to invade the body, there are millions suffering with long-hauler syndrome. Approximately half of patients admitted to the ICU with COVID-19 will have post-COVID syndrome which is now understood to be due to persistence of the SARS-CoV-2 Spike protein within cells, tissues, and organs. Those vaccinated have been additionally loaded with Spike, so may have even a worse course with prolonged symptoms including fatigue, lethargy, brain fog, muscle loss, skin and hair changes, sleeplessness, and effort intolerance. The magnitude of the problem has driven an all-encompassing search for management strategies to resolve the syndrome(s). Hope is on the horizon with a preprint paper published by Halma et al summarizing the prescription drug and over-the-counter candidates for therapy. In my practice, I stylize the approach based on the patient and how recent the COVID-19 infe
Read more

Mastercard unveils new Carbon Calculator tool for banks globally (2021)

-
Image
New study of consumers in 24 countries shows the pandemic is prompting billions ( 1 ) to consider more sustainable behaviors A large proportion of adults (85%) state they’re willing to take personal action to combat environmental and sustainability issues in 2021 New Mastercard feature enables banks to equip people with carbon footprint data and insights to help inform consumer spending and offer ways to contribute to reforestation Research on sustainability, commissioned by Mastercard, reveals a marked increase in consumer passion for the environment as a result of COVID-19. More than half of those surveyed across the world (54%) see reducing their carbon footprint as more important now than pre-pandemic. This signals a growing trend toward eco-conscious spending and consumption among people who want to turn their purchases and rewards redemption into meaningful action for the planet. To address this, Mastercard, in collaboration with Swedish fintech Doconomy, developed the  Mastercar
Read more

FLCCC I-CARE RSV AND FLU TREATMENT PROTOCOL (2023)

-
Image
A new protocol for patients suffering from Influenza and Respiratory Syncytial Virus (RSV) has been developed in a collaboration led by Dr Paul Marik, Dr Pierre Kory and the Front Line COVID-19 Critical Care Alliance (FLCCC). In adult patients, COVID-19 (Omicron variant), influenza, and RSV present with a similar constellation of symptoms and physical findings. It may therefore be difficult to distinguish between these infections (particularly COVID-19 and influenza) based on clinical presentation alone. For advice on how to protect yourself against infection, see  I-PREVENT: COVID Protection Protocol . For treatment of COVID-19, see  I-CARE: Early COVID Treatment Protocol . The Problem With the Tripledemic Narrative In a November 18, 2022,  Science magazine article , Jon Cohen explained why a simultaneous tripledemic is unlikely: “Triple threat. Tripledemic. A viral perfect storm. These frightening phrases have dominated recent headlines as some health officials, clinicians, and scien
Read more

How to Make Povidone Iodine 1% Nasal Spray

-
Image
Iodine 1% Nasal Spray is part of the  FLCCC I-CARE early treatment protocol :  Nasal spray with 1% povidone-iodine: 2-3 times a day. Do not use for more than 5 days in pregnancy. If 1% product is not available, dilute the more widely available 10% solution and apply 4-5 drops to each nostril every 4 hours.  Use 1 % povidone iodine commercial product as per instructions 2–3 x daily. If 1 %-product not available, must first dilute the more widely available 10 %-solution. To make 1% povidone iodine concentrated solution from 10% povidone iodine solution, one dilution method is as follows: – First pour 1½ tablespoons (25ml) of 10% povidone/ iodine solution into a nasal irrigation bottle of 250ml. – Then fill to top with distilled, sterile or previously boiled water. – Tilt head back, apply 4–5 drops to each nostril. Keep tilted for a few minutes, let drain. - Not recommended in pregnancy. To make 1% povidone iodine nasal spray from 10% povidone iodine solution, it must be diluted first.  1
Read more