In its relentless pursuit of compensation from the National Iranian Oil Company (NIOC), UAE-based Crescent Petroleum has expanded its legal efforts to target NIOC’s frozen funds in Malaysian offshore investment institute First Islamic Investment Bank in Labuan. This marks a new chapter in the decades-long battle over a breached gas supply contract, now characterized by aggressive asset recovery strategies across multiple jurisdictions.
The conflict traces back to a 2001 gas supply and purchase contract (GSPC), under which NIOC was to supply natural gas to Crescent Petroleum over a 25-year period starting in 2005. However, NIOC halted the agreement, alleging corruption and unfavourable pricing terms, leading Crescent Petroleum to file for arbitration in 2009.
In 2014, an international tribunal validated the contract and held NIOC in breach for failing to deliver the gas as agreed. Subsequent rulings in favor of Crescent Petroleum have awarded damages estimated in the billions of dollars.
Faced with NIOC’s refusal to comply with arbitration decisions, Crescent Petroleum has launched an aggressive global asset recovery campaign. This includes securing court orders to seize properties, liquidate holdings, and pursue frozen funds linked to NIOC. Most recently, Crescent Petroleum has turned its attention to funds frozen in the First Islamic Investment Bank in Labuan, Malaysia. A total $2.7 billion held by FIIB in various international financial entities. These funds, believed to be linked to NIOC and its subsidiaries Naftiran Intertrade Company (NICO), have remained inaccessible to NICO and other subsidiaries due to international sanctions, out of which roughly $2 Billion of it is frozen in the FIIB bank Malaysia. Crescent Petroleum is now seeking court approval to tap into this financial reserve as part of its efforts to enforce arbitration awards.
This move adds to the company’s recent successes in other jurisdictions, such as the United States, where courts authorized the confiscation of $2.75 billion in NIOC assets in 2023, and the United Kingdom, where a building linked to NIOC was auctioned for £100 million in 2024.
The dispute underscores the growing risks for state-owned enterprises like NIOC in navigating international arbitration and sanctions landscapes. Iran’s government has condemned the asset seizures, calling them politically motivated, and NIOC continues to contest the rulings in various courts.
The inclusion of the frozen funds in Malaysia highlights Crescent Petroleum’s determination to exhaust all avenues in recovering damages. If successful, it could set a significant precedent in asset recovery tied to arbitration disputes and sanctioned entities.
With billions of dollars at stake, the stakes are growing higher for both parties. Crescent Petroleum’s aggressive legal strategy reflects the complexities of enforcing international arbitration awards against state-affiliated entities, while the case continues to strain diplomatic and economic relations involving Iran.
As this high-profile case unfolds, further developments are expected in the coming months as Crescent Petroleum intensifies efforts to recover its dues.
Money can buy a lot of things. Money can buy power, money can buy companionship& ‘friendship’ and heck, money can even buy sex. Money definitely can buy alot of things in the world but there is one thing that money cannot buy. Money cannot buy respect. I always believe that respect is not given. But it’s earned instead. You can force people to do a lot of things, but can’t go around demanding people to respect you. It is something you need to earn.
And speaking of respect, there’s one freediver that earned my respect and admiration. He’s Amir Noor. He was one of the athletes who competed in the mock competition organized by Freediving Adventure Malaysia.
During the competition, many athletes showed up without a personal surface coach. Seasoned freediving athletes would know that having a reliable and competent surface coach is very crucial in helping them perform with ease.
Seeing many athletes not having a coach with them during the competition, Amir stepped up and volunteered to be a surface coach for athletes who needed one on the spot once he was done with his turn. You can easily mistake him for being a professional paid coach if you saw him in action. Athletes were totally relaxed with him and he was not only encouraging, but attentive to them as they were performing as well.
Some of these athletes ended up performing better than Amir himself and did he go sour because of it and try to bring them down? No. He didn’t. Instead he celebrated their wins and achievements with joy written all over his face.
If this is not a great display of sportsmanship, I don’t know what is. Thank you Amir for doing all these. The world needs more people like you. And you made the freediving world a better and happier place for us all. 😄
If there is an award for The Best Display of Sportsmanship during the competition, it definitely should go to Amir.
The journey of an athlete is a walk in the park. Yups, that’s how I will describe it. A walk in the park; Jurassic Park, that is. With bloodthirsty rampaging dinosaurs and the whole nine yards. It’s literally all blood, sweat and tears. Not only athletes needs to be very disciplined, but to achieve their goals, they need to sacrifice a lot of energy, time and money as well. Apart from that, when an athlete decided to go down that path, there will always be naysayers who will dishearten and discourage them from achieving their goals.
In some scenarios, athletes are also targeted by cyber bullies. It doesn’t matter if they are newbies or seasoned athletes, there will always be haters who seems to dedicate their life to bring them down. There will always be people who will tell them that they will fail even before they try. Even when they are already established, there will always be people who will try hard to bring them down. Just look at our very own national athletes during Olympic. The amount of cyber bullying and criticism they received is ridiculously horrid!
It is also the same with my buddy Kingston when it comes to freediving. I’ve lost count on how many times I’ve seen people doubted him and try to discourage him. People think that he cannot achieve greatness or success, simply because he’s already in his senior years.
For what it’s worth, I’m glad he didn’t listen and persevered. Kingston has been with me since day 1 I was certified as a freediver and I’ve seen how much progress he has made along the way. We’ve been keeping each other company during pool sessions and more, and he too influenced me on the way I dive. Kingston somewhat shaped me into a freediver I am today and I’m more interested in being a Safety Diver and a coach than an athlete
I wasn’t really surprised to see him perform impressively during his STA during the mock competition. He’s been training hard. And he’s been able to hit 3.30-4mins comfortably during our pool sessions together. With more consistent trainings, I believe that he can do more than 4.30mins without having LMC or blackouts. I was only surprised that he hit a 94m during his DYNB performance. That’s his PB and I’ve never seen him hit 90m before. So I guess what’s next for Kingston is working his way to joining the 100m club.
This posting is a bit late, but congratulations, Kingston; For winning the best overall male athlete during the mock freediving competition organized by Freediving Adventure Malaysia . It’s well deserved! I’m really happy to see you achieve all these and I’m really proud of you. Your journey does not end here. There is more ahead of you. Keep training, and I’ll be watching your growth and successes with great interest. 😃
I wanted to share this yesterday, but did not get around to doing it. This was what I was up to over the weekend; volunteering as a Safety Diver in a mock freediving competition organized by my freediving school, Freediving Adventure Malaysia.
This is my third time volunteering in a freediving competition since I started freediving. My first and second was back in Nov 2023 as an emcee and Dec 2023 as a Safety Diver.
Some of my buddies asked me; why do I still want to volunteer as a crew or a Safety Diver when I can participate in the competition as an athlete instead? Enough is enough. I’ve done this twice. Why should I do this for the third time?
Well, each and every one of these competitions offers me a great learning experience beyond what a classroom could ever offer me. Just because I chose not to walk the athlete path does not mean I don’t get to grow as a freediver. There are many aspects of freediving that you can participate in and competing is not the only way to grow.
In all honesty, I’ve learned to handle real life scenarios in real setting and not just a make-believe one. Besides, if everyone wants to be an athlete and shine, who’s going to take up the role as safety?
While being a Safety Diver is not always appreciated and is always under people’s scrutinization, it still gives me the sense of fulfillment that I am able to give back to the community. Knowing that I have done the best I can to serve when others only knows how to talk is really satisfying.
For those who would like to give back to the community, regardless of what community it is, just remember this, there will always be Negative Nancy and Downer Dan around who would always find faults in you when we are involved in volunteer works, there will always be people who will discourage you. People aren’t always thankful either and it’s a really difficult path to walk on, but don’t let that stop you from being the passionate and good person you are. Whatever they say is a projection of their own lack of empathy and competency.
That said, I’d like to thank Freediving Adventure Malaysia for the opportunity to grow as a freediver in a unique way. And to all the athletes, it doesn’t matter if you received a white card , yellow card or even a red card. You are already a winner in your own rights. Thank you for the great display of sportsmanship 😉
I left the scuba world to seek adventure in the world of tank-less diving. I used to think that this is just temporary madness. I thought one day, I’ll return to carrying the tank on my back. But truthfully,I never actually went back. My heart and soul are no longer there.
But there are moments where I interact with scuba divers. Cheekily and naughtily, that is. Here’s giving a confused scuba diver a high 5 as she was diving with her instructor and buddies. To say that she was shocked to see me suddenly appear in front of her and ask her for a high 5 is an understatement.😂😂😂
📸 Kapitan Dy
Dear readers, I was recently invited to check out a newly opened hyperbaric oxygen therapy rehab centre in Malaysia, a sanctuary of hope and healing for stroke and bedridden patients and here’s sharing my thoughts about them with all of you here, hoping that this posting will benefit not only stroke and bedridden patients from across the globe, but to caregivers who are looking for such services for their loved ones as well.
Let me share with you my personal experience during the visit and the remarkable services that HOMS has to offer, each designed to aid recovery and restore a better quality of life. Basically, it is a bungalow turned into a rehab centre. From the moment I stepped foot into their state-of-the-art facility, I felt a wave of positivity washed over me.
HOMS is practically a home away from home. One of the things that struck me about HOMS was their warm and inviting atmosphere. From the friendly smiles that greeted me to the cozy waiting area, it felt more like visiting a family home than a medical facility.
The staff members at HOMS are not just healthcare professionals; they are compassionate individuals who go above and beyond to ensure every patient feels comfortable and cared for.
HOMS boasts cutting-edge technology and modern hyperbaric chambers that create the optimal environment for recovery. The hyperbaric oxygen therapy chambers are spacious and meticulously maintained, offering a peaceful sanctuary during therapy sessions. The comfort and serenity of the chamber provided a sense of tranquility, allowing patients to relax and focus on their healing journey.
At HOMS, professionalism is the cornerstone of their practice. From the initial consultation to the personalized treatment plans, every step is executed with precision and expertise. The medical team at HOMS comprises highly skilled doctors, technicians, and therapists, each with a deep understanding of the unique needs of stroke and bedridden patients. Their seamless collaboration and coordinated effort created a sense of trust and confidence.
What makes HOMS truly stand out is their commitment to individualized treatment plans. They recognized that each patient’s journey is unique and tailor therapy sessions accordingly. Their specialized focus on stroke and bedridden patients allows them to fine-tune the hyperbaric oxygen therapy to address specific needs and promote targeted healing. The personalized attention and care provided a sense of empowerment to patients, where the experts understood each individual’s challenges.
Hyperbaric oxygen therapy is at the core of HOMS’ treatment approach, and its efficacy in aiding stroke and bedridden patients is nothing short of remarkable as per their patient’s testimonials. While I cannot disclose my actual conversation with their patients in respect of their privacy, but I can share with you that most of them could feel the positive effects of the therapy as it accelerated their healing process, reducing inflammation and stimulating tissue regeneration. I was informed that the increased oxygen supply not only boosted their energy levels, but it also enhanced their neurological function, improving overall cognitive and physiological well-being.
HOMS is a facility that goes beyond therapy. They recognizes that healing is not just physical but also emotional and mental. Alongside hyperbaric oxygen therapy, they offer a comprehensive range of rehabilitation services as well as counseling sessions to both patients and caregivers. These holistic services provide an all-encompassing approach to recovery, nurturing not only the body but also the mind and soul.
Living room, for caregivers to wait and chill while waiting for patients to undergo their session.
Play area for children
Homey room for patients and caregivers to stay overnight if the needs arise.
All rooms over here at HOMS are nothing but spacious and homey.
Bedrooms are designed to cater to bedridden or patients who are using wheelchairs.
All restrooms are wheelchair accessible.
Patients and caregivers are welcome to use the kitchen area.
My visit to HOMS left nothing but a good, lasting impression. From the moment I walked through their doors, I knew that many lives was about to change for the better. The combination of their state-of-the-art facility, compassionate personnel, and individualized treatment plans has given stroke and bedridden patients a newfound hope and optimism. HOMS is not just a rehab centre; it is a beacon of light and a testament to the power of human resilience. If you or your loved one are seeking a place to help you improve the current health conditions , I wholeheartedly recommend HOMS – where recovery becomes a possible reality and a better quality of life awaits.
For more information on HOMS Rehab Services, please take a look at the information below:
Website: https://homs.com.my/
Address: Lot 9561, Jalan SS12/1F 47500, Subang Jaya, Selangor
Whether you are seeking a peaceful spot for some soul-searching or a lively scene to socialise, Selangor’s array of cafes and coffee shops cater to every mood and taste. From the bustling streets of Petaling Jaya to the serene landscape of Sekinchan, let us guide you through 10 of the new coffee destinations to try for cafe enthusiasts.
YÈ ECO GARDEN, SEKINCHAN
An outdoor cafe surrounded by coconut trees with elements of camping. Ye Ecogarden cafe in Sekinchan is perfect for cafe hunters and lovers who want to experience a different dining setting. With many outdoor seatings and activities to explore, such as an outdoor archery, swings and a small petting zoo, customers will not be bored. The environment of the cafe is very serene with many shades provided. Some of their main dishes are local favourites, such as Butterfly Pea Nasi Lemak, Coconut Tom Yum, and Cendol Gula Melaka. When you stop by, do not forget to try their fresh coconut shakes to quench your thirst. Click the link below for more information: https://www.instagram.com/ye_ecogarden/ https://www.tiktok.com/@y.ecogarden
HAB’S COFFEE, TAMAN KERIS
A small coffeeshop built from a container, surrounded by tranquil nature and the sound of the river, is the perfect way to enjoy a sip of your selected brew. Hab’s Coffee in Taman Keris, Kuala Selangor, uses premium coffee beans and high-quality ingredients made by experienced baristas that will surely make your taste buds happy. Some of their specialties are Rose Latte, Black Mango, Mint Mocha and more. Adding to that, the baristas will also write kind quotes on customers’ drinks that will surely make your day better and brighter. Click the link below for more information: https://www.instagram.com/habscoffee/ https://www.tiktok.com/@habscoffee
HULU CAFE, KLANG
An aesthetic cafe is on the rise and getting much attention from cafe lovers and coffee enthusiasts. With two new locations opened in Klang and Shah Alam, Hulu Cafe has been getting support from many locals and visitors. Japanese and Western infused dishes with elements of local delights are what make this cafe unique. Moreover, many of their special beverages and desserts are made from matcha with unique twists, such as the signature Matcha Noir Crossaint, Handcrafted Matcha Tiramisu Platter, Hulu Ichiko Matcha Misu drink and other delicious matcha flavours that will surely make you want more. Click the link below for more information: https://www.instagram.com/hulu.cafe/ https://www.tiktok.com/@hulucafe
TAKE FIVE COFFEE BREWERS, SHAH ALAM
A small and quaint coffee shop located in the heart of the town that locals go to for their cup of joe. Take Five Coffee Brewers in Shah Alam is a cozy space perfect for relaxing and catching up with friends and family. Take Five serves good quality coffee and milkshakes, along with fresh bagels such as the famous Steak and Cheese, Smoked Salmon, Bacon Rocket and more. The bagels are crispy on the outside and soft and fluffy on the inside – perfect pairing with a cup of coffee. Click the link below for more information: https://www.instagram.com/takefivecb/ https://www.tiktok.com/@takefivecb
MOKKY’S PIZZA, BUKIT JELUTONG
A lively and vibrant cafe that serves freshly made pizza, pasta and coffee. Mokky’s Pizza in Bukit Jelutong is quickly rising to the top among the locals and visitors as their go-to cafe, offering one-of-a-kind dishes that customers will not taste anywhere else. Their vast and unique selection of western cuisine, such as Smoking Olio Pasta, Buff Wing, Hot One’s Burger, Chick Peach Pizza and Duck-Ah! Pizza, is what drives customers back for more. Serving hot and fresh food in big slices and portions, Mokky’s Pizza rarely leaves any customers unsatisfied. Click the link below for more information: https://www.instagram.com/mokkyspizza/ https://www.tiktok.com/@mokkyspizza
KOPI SURAT CINTA @ KEBUN PUISI CAFE, BANGI
Located among the serene nature lies a garden cafe with kampung vibes that serves simple yet local delights that can put a smile on anyone’s face. Kebun Puisi Cafe in Bangi welcomes their customers with many places to sit, They also provide mats to be spread out on the ground for anyone who would like to experience something different. Every angle of the garden cafe are instagram-worthy for customers who would like to take their OOTD pictures. Customers are able to indulge in some of their finest coffee, such as the Kopi Surat Cinta, Kopi Terbahagia, Kopi Hari Minggu, Kopi Santan and Kopi Mantan. A part from that, Kebun Puisi Cafe provides poem recitation sessions for anyone who would like to share their art in writing while sipping some good coffee. Click the link below for more information: https://www.instagram.com/kafekebunpuisi/ https://www.tiktok.com/@kopisuratcinta
PEJAM MATA CAFE, BANGI
A cafe that serves local foods with modern twists. Pejam Mata Cafe in Bangi is the perfect cafe for both food-lovers and Instagram enthusiasts; with aesthetic decoration and ambience at every angle of the cafe along with wide selections of dishes and beverages to try like the Smoked Duck Masak Lemak Pasta, Mee Bandung, Sirloin Steak and more. However, they are most famous for their instagrammable and delicious desserts that will surely fit the locals’ tastebuds, such as the Pandan Gula Melaka Cheesecake, Teh Tarik Creme Brulee and Strawberry Trifle. With large portions served, customers will want to come back for more. Click the link below for more information: https://www.instagram.com/pejam.matacafe/
THE BOTANIST, CYBERJAYA
Looking for an outdoor cafe that provides a lot of natural and aesthetic atmosphere during this hot weather? The Botanist in Cyberjaya is surrounded by forest greenery that will make the customers feel calm and stress-free. They serve a large portion of mouth-watering meals that can be shared with companions, such as the Shashouka, BreadDips and famous Bao Burgers, which will leave customers wanting more. A part from that, a wide variety of good quality coffees are served to any caffeine-lovers who would like to try them, such as the Piccolo Latte, Zesty Black, Dirty Chai and more. From the greenery decoration, unique food selections and instagrammable spots at every corner, customers will leave the cafe feeling satisfied. Click the link below for more information: https://www.instagram.com/thebotanist_cyberjaya/ https://www.thebotanistcafe.com/
QIDOT CAFE, BANTING
A must-stop cafe restaurant with an eye-catching exterior and relaxed interior that will always attract locals, tourists and passersby. Qidot Cafe in Banting has a blend of local flavours and international dishes that serve a delicious, one-of-a-kind taste and has a vast selection of delicious food on the menu for customers to try and taste, such as the Crispy Seabass Fish & Chips, Lamb Fried Rice and more. Other than that, many locals and visitors would come to the cafe for its selections of good quality brew and sweet delights. From iced frappes to creamy yogurt smoothies, customers are lavished with the selection of beverages offered. Click the link below for more information: https://www.instagram.com/qidotcafe/ https://qidot.co/
HAYASO COFFEE & PANCAKE, TAMAN GOMBAK RIA
A small and cozy coffeeshop that serves high quality coffee at a reasonable local price range. Hayaso Coffee and Pancake serves good quality caffeinated brew that attracts many locals and visitors in the area. Houjicha Latte, Hayaso Iced Coffee, Irish Mocha Shaken, Pecan Praline, and Red Velvet Latte are some of the unique beverages they serve, along with some freshly made baby pancakes and waffles that will definitely create symphonies in your mouth. Click the link below for more information: https://www.instagram.com/hayaso.kopi/ https://www.tiktok.com/@kopidanpancake
Whether you are a coffee addict looking for a place to try new caffeinated beverages or a social media user looking for a new OOTD spot for your Instagram, Selangor has multiple unique new cafes and coffee shops to try and visit that will give you different experiences. For more tourism inspiration in Selangor, visit Tourism Selangor’s official website, www.selangor.travel
Whether you are craving traditional Malaysian delights serving Nasi Lemak and Roti Canai, international cuisine such as The English Breakfast, or even trendy cafes dishing out instagrammable creations, Selangor has something to satisfy the brekkie-goers and morning meal lovers. We have selected a variety of locations throughout Selangor that may fulfill your breakfast cravings. Come along by browsing through 9 ideas for your breakfast spread!
ROTI CANAI KARI KAMBING, SUNGAI BESAR
Roti Canai Kari Kambing in Sungai Besar is the main attraction to locals and visitors who came to Sabak Bernam. Many locals describe the main dish as one of the best breakfasts to have. The bread is crispy on the outside and soft on the inside, while the lamb curry has a unique taste that you can never find anywhere else. When paired together, they create a symphony in your palate. Apart from that, the restaurant also serves other Malay traditional breakfasts, so customers also have the option to try their other menus, such as Pulut Sambal, Nasi Lemak, Kuih Muih and others. Eating your breakfast with a scenic view of the paddy field will surely make your day more content.
ROTI CANAI PELANGI, KUALA SELANGOR
Start your day with some colourful and delicious food. Roti Canai Pelangi serves colourful roti canai with distinct flavours for each colour – red is strawberry flavoured, yellow is corn flavoured, orange is durian flavoured, blue is yam flavoured, and green is apple flavoured. However, the flavours are not strong, so it will not disrupt the original taste of the roti canai. The roti canai is soft and fluffy while being accompanied with different side dishes such as lamb curry, beef curry, and chicken leg curry for customers to enjoy. This restaurant operates in a self-service system where customers will take the food they choose on their own and pay at the counter. If customers would like to try other dishes, there are a variety of options, such as nasi ambeng, pecal, laksa, lontong, and more. With ample seating tables available and fresh food being served, you will be in a good mood all day. Click the link below for more information: https://www.facebook.com/roticanaipelangi https://www.instagram.com/roticanaipelangiofficial/
FINO COFFEE, KLANG
Is breakfast your favorite meal of the day? Well, Fino Coffee in Klang serves breakfast all day. This cafe has a quiet ambience where you can relax and enjoy your meal to full satisfaction with no distractions around you. Some of the breakfast dishes that they serve are the big fino breakfast, savoury percik fried chicken sourdough open toast, and sweet very berry sourdough open toast. They also serve a veggie option for any vegetarians to try. Apart from that, they also serve unique beverages for matcha and houjicha lovers to try, such as matcha red bean and houjicha chocolate. Fino Coffee strives to use fresh ingredients to ensure their customers are getting the best quality food. Click the link below for more information: https://www.instagram.com/coffee.fino/
TINGKAP CAFE OLDTOWN, PETALING JAYA
Customers and visitors will be transported into the past when they eat at Tingkap Cafe in Old Town Petaling Jaya. This breakfast spot has an old school Kopitiam aesthetic with affordable and delicious traditional food for breakfast lovers to try. Some of the food served are Roti Jala, Lontong, Mee Rebus, Coconut Lempeng with Sambal Ikan Bilis, Curry Laksa, and more. They are most famous for their fresh aromatic satay, which is being cooked right in front of the stall and also for their variety of traditional kuih muih. The prices of the food and beverages are affordable and satisfying to eat. The old school ambience and the vast traditional Kopitiam breakfast will definitely brighten up your day. Click the link below for more information: https://www.instagram.com/tingkap_cafe/
UBI KAYU RESTAURANT, SUBANG JAYA
A traditional Malay breakfast restaurant that is famous among the locals and visitors in the area for its vast variety of traditional Malay cuisine such as Roti Jala with chicken curry, Asam Laksa, Mee Rojak, Soto, Lontong, Nasi Lemak Pandan, Curry Mee, and their wide-range of traditional Malay kuih muih with a minimum cost of only 50 cents. This restaurant is always packed with customers who are always looking forward to trying their good quality food, affordable prices, and the vast selection of breakfast food on the menu. Press the link below for more information: https://www.instagram.com/restaurantubikayu/ https://www.facebook.com/Restoranubikayu/
BREAKFAST ROOM, BUKIT JELUTONG
If you are looking for a cafe that serves one of the best western and Instagrammable breakfasts, do visit the Breakfast Room in Bukit Jelutong. The menu selections of classic western breakfasts with unique and delicious twists are why many locals and visitors come here time and time again. Some of their breakfast menu items are their selections of English muffins, sandwiches, eggs and toast, and coffees and teas. The dishes are served in big, hearty portions, so customers will never leave the restaurant feeling unsatisfied. The cozy ambience of the cafe adds to the dining experience, providing a welcoming atmosphere to enjoy your meal. Click the link below for more information: https://www.instagram.com/breakfast_room/
CHAR KUEY TEOW AUNTY GEMUK, KELANA JAYA
Aunty Gemuk’s char kuey teow is one of the best dishes in Klang Valley. With a very affordable price of RM4.50 per plate, many customers would come and choose this stall as their favourite go-to breakfast spot. The noodles had a tinge of spiciness and smokiness, which sets them apart from other char kuey teow stalls. Apart from that, they also serve a delicious and hearty curry laksa. You can taste the love and passion in each bite of the food that they make, and it will definitely make your day brighter and more satisfied.
KAMPUNG HILLS EATERY, KUALA LANGAT
This breakfast spot has a Kampung vibe with western-taste delicacies. Many locals and visitors would come to this restaurant to taste their wide variety of unique western and local flavours, such as the Egg in Purgatory, Kacang Pool, Nasi Lemak, Fried Kuey Teow, Fried Prawn Mee, Crispy Chicken Chop with Fried Rice, and more. However, their main breakfast dishes would have to be their vast selections of Nasi Lemak, toasted bread sandwiches, and delectable Crossaint sandwiches. Visitors and customers who came to the restaurant are also lavished with the restaurant’s service, including its ample and free access parking space and air conditioned dining hall. Click the link below for more information: https://www.instagram.com/kampunghills/
MAK O MAK CAFE, TAMAN MALAWATI
In between Hulu Langat and Gombak, Mak O Mak Cafe is an authentic cafe restaurant that serves local cuisine and western dishes. It opens as early as 8 and this cafe is suitable especially for coffee enthusiasts and toast lovers since the cafe offers a variety of quick pick-me-up breakfasts such as roti bakar telur goyang, crossaint sandwiches, and toasted breads. Other than that, Mak O Mak Cafe also serves a wide selection of coffee for customers to try. The cafe serves affordable price and large portions, customers will leave the cafe with nothing but satisfaction. Click the link below for more information: https://www.instagram.com/makomakcafe/ https://www.facebook.com/makomakcafe/
ROTI LELEH BATU ARANG, SELAYANG
A simple yet unique and delicious breakfast. Roti Leleh Batu Arang restaurant is a local favourite in the area and a go-to destination among cyclists who come by to rest and get their hands on this breakfast dish. The soft bread is grilled on top of charcoal, then eaten with three half-boiled eggs, a dash of sweet soy sauce, and delicious red beans on top. Many locals and visitors would come by just to experience this dish, and it rarely leaves the customer unsatisfied. However, there are also other dishes being served, such as curry mee, lontong, and soto, as well as lemang and beef rendang. A simple breakfast to start and brighten your day. Click the link below for more information: https://www.facebook.com/people/Original-Roti-Leleh-Batu-Arang/
Whether you are eating traditional breakfast food or an instagrammable brunch cuisine, good food can always bring people together and bring a smile to your face. For more tourism inspiration in Selangor, visit Tourism Selangor’s official website, www.selangor.travel #PusingSelangorDulu
How to choose a freediving instructor? Easy. Just choose a cute one and you’re good to go. Really? Just pick a cute one? Yes, yes. Just pick a cute one. I did that and I think I did pretty well.
Okay, that’s a joke, guys. Don’t do that. Don’t. Just don’t. Instead, try to get to know your future instructor well before you sign up for your freediving course, or any diving related courses for that matter. What makes a difference in your learning curve is not the certifying agency or the cheapest freediving package around, but the instructor.
Freediving is a sport that requires alot of training and guidance. You’ll be doing a lot of scary skills for the first time. You would want someone you can trust your life with to be with you during your course.You’ll need someone who can not only be your teacher, but also a buddy who can assure you and guide you well.
If you’re serious about learning to freedive, then you will need someone patient, and someone who can also be a lifelong friend and a mentor instead of someone who will ditch you the moment you’ve completed your course. If you’re anything like me and ended up with a money-making ‘touch&go’ instructors like that, you’ll find it extremely frustrating because you’re stuck there instead of continuing your education and improving your skills.
I have friends who are interested in freediving and they’re always asking me for recommendations for an instructor that offers cheap fees and stuff. They’re always asking me, which agency would be better, AIDA, Molchanovs, PADI, SSI etc.
And I always say the same thing. Don’t look at the fees. Don’t look at the agency. Look at the instructor. Pick an instructor that can be your buddy and your lifelong mentor and someone you’re comfortable with.
An instructor who is right for me doesn’t mean will be right for you. So, do abit of homework first before you commit yourselves to the course. Go with someone who can match your energy.
Say hi to Swen . He’s my freediving instructor whom I also see as a mentor. I kinda struck a lottery with this one. He’s a gem. I go from not really into freediving to loving it to bits.
Bagi ramai rakyat Malaysia, Kumpulan Wang Simpanan Pekerja (KWSP) adalah sumber utama untuk simpanan persaraan. Namun, dengan kos hidup yang semakin meningkat dan jangka hayat yang lebih panjang, simpanan biasa mungkin tidak mencukupi untuk memastikan persaraan yang selesa. Oleh itu, timbul persoalan: “Untung ke kalau invest pakai KWSP Akaun 1?”
Dalam artikel ini, kita akan meneroka potensi keuntungan, risiko, dan manfaat melabur menggunakan KWSP Akaun 1 serta faktor-faktor yang perlu dipertimbangkan sebelum membuat keputusan.
Akaun 1 KWSP adalah simpanan yang dikhaskan khusus untuk persaraan. Mengikut peraturan KWSP, 70% daripada caruman bulanan anda akan dimasukkan ke dalam Akaun 1, manakala baki 30% akan dimasukkan ke dalam Akaun 2 yang boleh digunakan untuk tujuan tertentu seperti membeli rumah, membiayai pendidikan, atau menampung kos perubatan.
KWSP membenarkan ahli yang mempunyai jumlah simpanan tertentu dalam Akaun 1 untuk melabur dalam instrumen pelaburan yang diluluskan melalui skim Pengeluaran Pelaburan Ahli. Ini memberi peluang kepada ahli untuk memaksimumkan potensi pulangan simpanan persaraan mereka.
Potensi Keuntungan
Melabur menggunakan Akaun 1 KWSP boleh menjadi cara yang berkesan untuk menggandakan simpanan persaraan anda. Berikut adalah beberapa faktor yang menyokong potensi keuntungan ini:
Pulangan Lebih Tinggi: KWSP memberikan dividen tahunan yang agak stabil, biasanya sekitar 5-6% setahun. Namun, pelaburan dalam instrumen seperti Unit Trust atau Private Mandate berpotensi memberikan pulangan yang lebih tinggi, terutamanya dalam tempoh jangka panjang.
Pengurusan Profesional: Pelaburan yang diluluskan oleh KWSP biasanya diuruskan oleh pengurus dana yang berpengalaman. Mereka mempunyai kepakaran dalam mengenal pasti peluang pelaburan yang menguntungkan dan menguruskan risiko.
Diversifikasi Portfolio: Melabur dalam pelbagai instrumen seperti saham, bon, dan hartanah melalui Unit Trust atau Private Mandate membantu dalam mempelbagaikan portfolio anda, mengurangkan risiko kehilangan modal.
Risiko yang Perlu Dipertimbangkan
Walaupun potensi keuntungan tinggi, penting untuk diingat bahawa semua pelaburan datang dengan risiko. Berikut adalah beberapa risiko yang perlu dipertimbangkan:
Ketidaktentuan Pasaran: Pulangan pelaburan tidak dijamin dan boleh berubah mengikut prestasi pasaran. Sekiranya pasaran mengalami kejatuhan, nilai pelaburan anda mungkin menyusut.
Kos Pengurusan: Pelaburan dalam Unit Trust atau Private Mandate melibatkan kos pengurusan, yang mungkin mengurangkan pulangan bersih anda. Kos ini perlu diambil kira sebelum membuat keputusan.
Risiko Pelaburan: Setiap jenis pelaburan mempunyai profil risiko tersendiri. Sebagai contoh, pelaburan dalam saham mempunyai potensi pulangan yang tinggi, tetapi juga datang dengan risiko yang lebih besar berbanding pelaburan dalam bon.
Faktor-Faktor yang Perlu Dipertimbangkan
Sebelum membuat keputusan untuk melabur menggunakan Akaun 1 KWSP, anda perlu mempertimbangkan beberapa faktor penting:
Profil Risiko: Kenal pasti tahap risiko yang anda sanggup ambil. Sekiranya anda tidak selesa dengan ketidaktentuan pasaran, mungkin pelaburan dengan risiko rendah lebih sesuai untuk anda.
Matlamat Kewangan: Tentukan matlamat kewangan jangka panjang anda. Sekiranya anda ingin mencapai pertumbuhan modal yang ketara, pelaburan dalam instrumen berisiko tinggi mungkin lebih sesuai. Namun, jika matlamat anda adalah untuk mengekalkan modal, pelaburan dalam instrumen berisiko rendah mungkin lebih sesuai.
Tempoh Pelaburan: Pelaburan jangka panjang biasanya lebih stabil dan berpotensi memberikan pulangan yang lebih tinggi. Oleh itu, jika anda mempunyai tempoh pelaburan yang panjang, anda boleh mempertimbangkan pelaburan dalam instrumen dengan potensi pertumbuhan yang tinggi.
Nasihat Profesional: Mendapatkan nasihat daripada perancang kewangan atau penasihat pelaburan yang berlesen adalah langkah yang bijak. Mereka boleh membantu anda memahami risiko dan peluang pelaburan serta memberi panduan yang sesuai dengan keadaan kewangan anda.
Kesimpulan
Jadi, untung ke kalau invest pakai KWSP Akaun 1? Jawapannya bergantung kepada faktor-faktor seperti profil risiko, matlamat kewangan, dan tempoh pelaburan anda. Pelaburan menggunakan Akaun 1 KWSP berpotensi memberikan pulangan yang lebih tinggi daripada simpanan biasa dalam KWSP, tetapi ia juga datang dengan risiko tertentu.
Untuk memastikan anda membuat keputusan yang bijak, adalah penting untuk memahami risiko dan potensi keuntungan, serta mendapatkan nasihat daripada pakar kewangan. Dengan strategi yang betul, pelaburan menggunakan Akaun 1 KWSP boleh menjadi alat yang berkesan untuk meningkatkan simpanan persaraan anda dan mencapai kebebasan kewangan yang lebih besar pada masa hadapan.
Nota
Jika anda ada intention atau berminat untuk mengetahui dengan lebih lanjut lagi mengenai bagaimana cara melabur menggunakan duit KSWP akaun 1 anda ke arah Private Mandate atau Unit Trust, atau Private Equity menggunakan kaedah yang dibenarkan di Malaysia, anda boleh mengisi borang register interest di sini terlebih dahulu. Dan kami akan menghubungi anda untuk proses selanjutnya.
