Nabil Luqman

0f9d2dd4f71434084e2b6094de1865e23abb37bb9f28ca51feeabee679ec9be2

Social

banned

Apple

Indonesia

tourist

mixed reactions

invesment

iPhone 16

The Indonesian government has officially barred the iPhone 16 from sale and general use within its borders, citing Apple&rsquo;s failure to meet local manufacturing and investment requirements. Under Indonesia&rsquo;s Domestic Component Level (TKDN) policy, all smartphones sold in the country must contain at least 40% locally sourced components&mdash;a target Apple has yet to achieve. As a result, Indonesia&rsquo;s Ministry of Industry has not only suspended the necessary certifications for Apple&rsquo;s latest release but also warned residents against using the device until Apple fulfils all compliance obligations.
Read: <a href="https://myc.my/articles/3848/indonesia-considers-banning-iphone-16-sales-as-apple-has-yet-to-invest-in-the-country">Indonesia Considers Banning iPhone 16 Sales As Apple Has Yet To Invest In The Country</a>
<img src="https://r2.myc.my/2aa8bdc7a4bfe4037066aad8df8f5ef75e12d454a6a9492aad0e4d78b1e0902c" />
Industry Minister Agus Gumiwang Kartasasmita highlighted the government&rsquo;s position, noting that any attempt to sell or use the iPhone 16 domestically without meeting TKDN regulations is unlawful. Citizens are even encouraged to report instances of iPhone 16 use, reinforcing the ban&rsquo;s strict enforcement. Additionally, Apple must meet specific investment commitments to Indonesia, having thus far completed around IDR 1.48 trillion out of a promised IDR 1.71 trillion investment. Until this is fully realized, Apple&rsquo;s certification to operate within the country remains suspended.
While Apple has indicated plans to work toward meeting these conditions, no timeline has been confirmed for completing the investment or achieving the 40% TKDN compliance, leaving the iPhone 16 in regulatory limbo.
Exceptions for Travelers: Limited Use of iPhone 16 Permitted
<img src="https://r2.myc.my/2248fc0ccd5e66b375caf1103f007319f8ea89ad69af205d20ef47bebd35feca" />
Despite the comprehensive ban, the Ministry of Industry has clarified that certain exceptions exist for individuals entering the country. Tourists, flight crew, and other travellers are allowed to bring iPhone 16 units into Indonesia for personal use, although these devices must not be sold or distributed locally. As per customs regulations, each traveller may carry a maximum of two iPhone 16 units, which must be declared and taxed upon entry. According to the ministry, approximately 9,000 iPhone 16 units have already entered Indonesia between August and October 2024 through personal imports, with all necessary taxes paid to customs.
For personal imports made via postal or courier services, devices are exempt from meeting the TKDN requirement and other local technical standards. The iPhones brought in this manner are also subject to the International Mobile Equipment Identity (IMEI) registration, managed by the Directorate General of Customs and Excise, ensuring that they remain recognized as personal belongings and cannot be resold within the country.
The government&rsquo;s current stance has led to mixed reactions among consumers, who are closely monitoring the situation for any shifts in compliance between Apple and the Ministry of Industry. As of now, the iPhone 16 remains officially banned from commercial sale and regular use in Indonesia, and the conditions for lifting this ban depend on Apple&rsquo;s progress in meeting the country&rsquo;s stringent local sourcing and investment standards. Until then, tourists are the only group permitted to use the device within Indonesian borders, while residents face restrictions that may only be eased once compliance goals are achieved.
Well, if this keeps up then our fellow Indonesian friends might either switch out to an Android or even just live abroad considering that Malaysia has quite a number of international Indonesian students who seek better job opportunities here after graduating.
For now, we'll just have to sit back and watch what the Indonesian government does next. But let&rsquo;s be honest&mdash;spotting an iPhone 16 in a sea of devices (especially with everyone sporting unique phone cases) might be trickier than they think!
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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Don’t worry if you’re a tourist, you’re more than free to use the iPhone 16 in the country.

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Indonesia Deems The iPhone 16 Illegal For Locals As Apple Has Yet To Invest In The Country

Former Finance Minister Lim Guan Eng has raised concerns over the proposed 40-70% hike in medical insurance premiums for 2025. According to Bank Negara Malaysia (BNM), the projected 15% rise in medical costs is significantly lower than the proposed premium hikes. In his Facebook post, Guan Eng questioned why insurers are advocating such a substantial increase when global medical cost increases stand at just 10%, and the rise in the Asia-Pacific region is 11.1%.
Guan Eng argued that this excessive increase could place a heavy financial burden on Malaysians, many of whom are already grappling with the rising cost of living. He emphasized that these premium hikes, if approved, would disproportionately affect ordinary citizens, while life insurance companies continue to enjoy robust profits.
<iframe style="border: none; overflow: hidden;" src="https://www.facebook.com/plugins/post.php?href=https%3A%2F%2Fwww.facebook.com%2Flimguaneng.malaysia%2Fposts%2Fpfbid0rBiYQn5zAGWRdwSUTmvrYQudH4sEdnxsakdXTgTMakfBALdncR946SxS7LNGKZDUl&amp;show_text=true&amp;width=500" width="500" height="730" frameborder="0" scrolling="no" allowfullscreen="allowfullscreen"></iframe>
Read: <a href="https://myc.my/articles/3965/brace-yourselves-medical-insurance-premiums-expected-to-surge-by-40-70percent-in-2025">Brace Yourselves: Medical Insurance Premiums Expected To Surge By 40-70% In 2025!</a> 
BNM&rsquo;s Accountability in Protecting the Public
<img src="https://r2.myc.my/b834137a51002d49446468f259ab2e22c121a55d52b427b120913161a4496196" />
Guan Eng criticized BNM and the Health Ministry (KKM) for their failure to protect the interests of 31 million Malaysians, emphasizing that the focus should be on safeguarding public health rather than the profits of life insurance and takaful companies. He posed three critical questions of public accountability:
<ul>
<li>Why are medical insurance premiums increasing by 40-70% when the rise in medical costs is only 15%?</li>
<li>Why have medical costs surged faster in Malaysia than in neighbouring countries and globally?</li>
<li>Why should the public bear the full financial burden of these hikes?</li>
</ul>
Guan Eng highlighted that BNM had acknowledged the increased medical costs of 15% for 2025, while global and regional averages were significantly lower. However, life insurance companies are proposing hikes far above these figures, creating a disconnect between medical cost inflation and premium increases.
Irresponsible Cost Management and Regulatory Failures 
<img src="https://r2.myc.my/7e211b16721f088c093f414959d027018290c78ef4ee8f5b4b0c8ee70a3f6e18" />
Guan Eng pointed to glaring examples of inflated medical expenses. For instance, a dengue patient using a guarantee letter (GL) incurs RM4,978, four times higher than the RM1,288 charged to those who pay upfront. Similarly, pneumonia patients using GL face RM6,859 in costs, compared to RM2,654 paid by those who opt to pay first. Guan Eng questioned why these pricing disparities continue to exist, despite BNM&rsquo;s role in regulating the sector.
He further highlighted BNM&rsquo;s regulatory shortcomings, arguing that insurers and private hospitals continue to take advantage of these GL arrangements, resulting in widespread abuse. This mismanagement of medical costs contributes to higher premiums, forcing the public to shoulder the financial burden.
Insurers&rsquo; Growing Profits vs Workers&rsquo; Stagnant Salaries
Guan Eng also pointed out the stark contrast between the rising premiums and stagnant wage growth. He noted that life insurance and family takaful funds reported profits of RM8.4 billion in the first half of 2024, more than double the RM3.2 billion reported in the same period of 2023. This surge in profits has not been accompanied by corresponding wage increases for the average Malaysian worker.
Guan Eng argued that there is no moral justification for insurers to demand premium hikes of 40-70% when workers&rsquo; incomes have remained relatively stagnant. He emphasized that without significant wage growth, Malaysians should not be expected to bear such steep premium increases, particularly when insurers are already enjoying substantial profits.
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BNM Must Uphold Fair Premium Pricing
In his call to action, Guan Eng urged BNM to demonstrate greater social empathy, public responsibility, and ethical governance by rejecting these excessive premium hikes. He emphasized that any adjustments to medical insurance premiums should be gradual, sustainable, and reflective of actual medical cost increases, not imposed in large and disproportionate jumps.
Guan Eng also warned that these premium hikes could contribute to higher inflation, further exacerbating the financial burden on Malaysian households. He emphasized that BNM&rsquo;s responsibility goes beyond protecting the interests of insurers&mdash;it must prioritize the well-being of the public.
Ultimately, Guan Eng stressed that Malaysians deserve a healthcare system where premium adjustments are fair, justifiable, and not solely driven by the profit motives of insurers.
In other developments, EPF has established the benchmark for basic retirement savings, suggesting that Malaysians will require at least RM1.3 million to afford a comfortable retirement. However, this raises significant concerns about its feasibility for many Malaysians, particularly amid rising living costs and stagnant wages.
Read: <a href="https://myc.my/articles/4004/epf-sets-benchmark-at-rm390k-for-basic-retirement-saving-needs-rm13-million-to-live-the-life-of-luxury">EPF Sets Benchmark At RM390K For Basic Retirement Saving; Needs RM1.3 Million To Live The Life Of Luxury</a>
Additionally, rising insurance costs further burden individuals, especially as premiums increase with age. This raises the question for many Malaysians whether continuing their policies is a practical choice, given the steep rise in prices.
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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BNM should prioritise helping citizens, not pushing us into financial hardship.

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Lim Guan Eng Questions Premium Hikes Amidst Rising Medical Costs And Profitable Insurers

Prepare to embrace the highly anticipated comeback of the beloved &lsquo;Queens of K-Pop,&rsquo; 2NE1, as they return to Malaysia after a decade. Fans in Malaysia have eagerly awaited the official reunion of this iconic quartet &ndash; CL, BOM, DARA, and MINZY &ndash; since its announcement.
2NE1 last thrilled Kuala Lumpur in 2014 during their &ldquo;All or Nothing&rdquo; World Tour, leaving audiences mesmerized by their breathtaking talent, fierce independence, and empowering messages that continue to resonate.
Who Is 2NE1?
&nbsp;<img src="https://r2.myc.my/5db0cca2f656374df7056953131c19f0e1e4058a3318a4fa587793e569dde882" />
2NE1 is a South Korean girl group formed by YG Entertainment in 2009, known for their groundbreaking influence on the K-pop industry. Consisting of four members&mdash;CL, Park Bom, Dara, and Minzy&mdash;2NE1 quickly rose to fame with their bold, unconventional style and powerful music. The group is celebrated for blending genres like hip-hop, reggae, and electronic dance music with a distinct edge that set them apart from their contemporaries.
2NE1 debuted with the single &ldquo;Fire,&rdquo; which instantly became a hit, showcasing their unique fashion sense and strong personas. Their follow-up tracks, such as &ldquo;I Don&rsquo;t Care&rdquo; and &ldquo;Go Away,&rdquo; continued to top charts and solidified their status as one of the most influential K-pop groups of their time. The release of their hit song &ldquo;I Am the Best&rdquo; in 2011 catapulted them to international stardom, with its addictive beat and rebellious lyrics making it one of K-pop&rsquo;s most iconic songs.
Throughout their career, 2NE1 received numerous accolades, including the Song of the Year award at the Mnet Asian Music Awards (MAMA) for &ldquo;I Don&rsquo;t Care&rdquo; and &ldquo;I Am the Best.&rdquo; They were also the first K-pop girl group to embark on a world tour, demonstrating their global appeal and expanding K-pop&rsquo;s reach beyond Asia.
Details Of Their Tour and Show
Fans are in for an unforgettable night as the queens of K-Pop return to electrify the stage in Kuala Lumpur. With recent sold-out shows in Manila, Jakarta, Hong Kong, Singapore, Bangkok, Taipei, and Ho Chi Minh City, 2NE1&rsquo;s enduring appeal across Asia is undeniable. These performances reaffirm their status as true legends in the K-pop world, solidifying their iconic legacy.
<img src="https://r2.myc.my/9d71a4fe3f4858fcadb614af77ccab14fccf2e8e5bc2835e50dc08250ebe5b6e" />
Mark your calendars! The highly anticipated &lsquo;2NE1 Asia Tour [WELCOME BACK]&rsquo; is set to take place on February 1, 2025, at 8 PM at the National Hockey Stadium in Kuala Lumpur. Live Nation members can grab their tickets early during the exclusive pre-sale on December 16, 2024, from 11 AM to 11:59 PM.
Date:&nbsp;1st February 2025 Time: 8pm Venue:&nbsp;National Hockey Stadium
Not a member yet? Sign up for free at <a href="http://livenation.my/register">http://livenation.my/register</a> to access the presale. General ticket sales will open to the public on December 17, 2024, starting at 11 AM via <a href="http://www.golive-asia.com">www.golive-asia.com</a>. Don&rsquo;t miss it!
Ticketing Details:
<img src="https://r2.myc.my/8991ba00cca6fdf66f9d48546235af1c7914a48f3f97efed86d4491b7ee93c58" />
For ticketing, there will be six different categories available, including a VIP Soundcheck Package, which offers fans:
<ul>
<li>Reserved seating ticket</li>
<li>Early access to the venue</li>
<li>VIP soundcheck access</li>
<li>Commemorative lanyard</li>
<li>Early access to the merchandise store</li>
</ul>
Pricing:
<ul>
<li>VIP Soundcheck: RM1,288</li>
<li>CAT 1: RM988</li>
<li>CAT 2: RM888</li>
<li>CAT 3: RM598</li>
<li>CAT 4: RM498</li>
<li>CAT 5: RM398</li>
</ul>
Live Nation Pre-Sale
📆 Monday, 16th Dec 2024, 11AM &ndash; 11:59PM
Register for a FREE membership via www.livenation.my to access the presale!⁠
General On-Sale
📆 Tuesday, 17th Dec 2024, 11AM Onwards
*Please note that the waiting room for the ticket queue will open 1 hour before both the Presale and General On-Sale.
Catching Up With Their Music
For devoted fans, there's growing anticipation that the reunion of this iconic and legendary K-pop group could bring new music. However, the group has yet to announce any new releases, with their last song, &lsquo;Goodbye&rsquo;, dating back to 2017.
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Released shortly after their disbandment, &lsquo;Goodbye&rsquo; is an emotionally charged ballad initially written for Minzy, who departed the group in April 2016. The song delivers a heartfelt message of farewell and gratitude while reflecting the unbreakable bond 2NE1 shared with their fans throughout their career.
Lyrically, &lsquo;Goodbye&rsquo; serves as a poignant farewell, exploring themes of love, loyalty, and the bittersweet nature of parting. Musically, it&rsquo;s a minimalist acoustic pop ballad that emphasizes the members&rsquo; sincere vocals and stirring melodies. Each member poured their emotions into the track, making it a touching final gift to their fans. This song not only marked the end of an era for 2NE1 but also left an indelible mark on the K-pop industry.
Get ready to amp up your excitement! Whether you're a longtime fan reconnecting with their music or a newcomer to K-pop just discovering their iconic tracks, dive into their hit songs below:
<iframe style="border-radius: 12px;" src="https://open.spotify.com/embed/artist/1l0mKo96Jh9HVYONcRl3Yp?utm_source=generator" width="100%" height="352" frameborder="0" allowfullscreen="allowfullscreen" loading="lazy"></iframe>&nbsp;
It looks like tickets will be in high demand, so be sure to act fast&mdash;this one&rsquo;s likely to sell out quickly! &nbsp;
Are you excited for 2NE1&rsquo;s live concert in KL? We can&rsquo;t wait! Let us know your thoughts in the comments.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
FOMO much? Follow our <a style="color: #ff0000;" href="https://www.facebook.com/mycclub/">Facebook</a> and <a style="color: #ff0000;" href="https://www.instagram.com/myc_news/?hl=en">Instagram</a> for more updates.

Mark your calendars—it’s time to witness the queens of K-pop live in Kuala Lumpur!

7afaf7a95d8761abd9bfca9ffe54b20c12687e8dbfac06babaf37594c1925694

2NE1 Unveils Ticketing & Seating Details For Their 2025 KL Concert!

The Malaysian Youth and Sports Ministry (KBS) has decided to take action regarding the improper display of the Jalur Gemilang, the national flag, on athletes&rsquo; competition attire. This move comes after a highly publicized incident involving national badminton player Lee Zii Jia, who wore a jersey featuring the Jalur Gemilang stitched upside down during the Badminton World Federation (BWF) World Tour Finals held in Hangzhou, China.
<blockquote class="twitter-tweet">
Siapa nak video tukar baju Lee Zii Jia kemarin. Tengok lah baju tu baju baru masih ada tag ya. <a href="https://t.co/QhVOD0TMoL">pic.twitter.com/QhVOD0TMoL</a>
&mdash; ً (@galilelleo) <a href="https://twitter.com/galilelleo/status/1867024851741053178?ref_src=twsrc%5Etfw">December 12, 2024</a></blockquote>

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&nbsp;
The controversy erupted when a viral clip showed Lee, during his match against Taiwan&rsquo;s Chou Tien Chen, rummaging through his bag and switching into a different jersey. The newly worn jersey had the Jalur Gemilang positioned incorrectly, a detail that Lee had failed to notice amid the pressure of the match. Despite securing a victory with a score of 21-13, 21-15, the incident sparked concerns about the oversight of national symbols and the need for greater attention to detail in sports attire.
It&rsquo;s important to mention that during the post-match interview, Zii Jia changed into a shirt featuring the correctly positioned flag, indicating he may not have been fully aware of the upside-down flag during the match, as the intensity of the moment likely distracted him.
Ministry Responds with New Ethical Guidelines
&nbsp;<img src="https://r2.myc.my/3f7b96c4bd7fb1cee14fdd54dcfcfa203bb2d336aed339077f2c129f5e98dfbc" />
In response to this incident, Youth and Sports Minister Hannah Yeoh announced plans to draft a comprehensive dress code of ethics for athletes concerning the use of the Jalur Gemilang on their competition attire. &ldquo;We currently don&rsquo;t have a clear code or set of regulations to address this issue,&rdquo; she said during the International Safe Sports Symposium. &ldquo;I will ask the National Sports Council (NSC) to look into what steps we can take to ensure these kinds of mistakes do not happen again.&rdquo;
Yeoh urged athletes and team managers, regardless of whether they are part of national teams or independent professionals, to always thoroughly check their attire before stepping onto the court. &ldquo;These jerseys represent our country, and when they are worn on the international stage, they reflect Malaysia&rsquo;s image to both local and global audiences,&rdquo; she emphasized. &ldquo;We cannot allow such mistakes to undermine our national pride.&rdquo;
Strengthening Safe Sport Initiatives
In addition to addressing attire, the KBS plans to strengthen its Safe Sport Code next year. Minister Yeoh stressed the importance of having more legal officers who can offer guidance and advice to sports committees, ensuring proper procedures are followed to prevent any similar occurrences. &ldquo;We want to create a framework where athletes and officials can have the necessary support to adhere to the highest standards of conduct and respect for national symbols,&rdquo; she said.
This broader effort seeks to enhance accountability across all levels of sports, ensuring that every athlete and their management remains aware of their responsibility to uphold Malaysia&rsquo;s image.
Sponsor Accountability: Victor&rsquo;s Response
<blockquote class="twitter-tweet">
Our sincere apologies to all Malaysians 🫡🇲🇾 <a href="https://t.co/nxoDPblAZv">pic.twitter.com/nxoDPblAZv</a>
&mdash; VICTOR Malaysia (@victor_malaysia) <a href="https://twitter.com/victor_malaysia/status/1866831023289536724?ref_src=twsrc%5Etfw">December 11, 2024</a></blockquote>

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Victor, the official sportswear sponsor for Lee Zii Jia, swiftly responded to the incident by issuing a public apology. In a statement, the company expressed deep regret, emphasizing that the mistake was unintentional and did not reflect any disrespect toward Malaysia. Victor acknowledged that the error resulted from an internal production and design oversight and vowed to review its processes to prevent similar incidents in the future, reaffirming their commitment to respecting Malaysia&rsquo;s national symbols.&nbsp;
Victor&rsquo;s response played a key role in addressing the incident. Their pledge to strengthen internal controls reflects the importance of corporate responsibility in upholding respect for Malaysia&rsquo;s national identity.&nbsp;
Moving forward, Victor plans to implement stricter quality control measures to ensure such errors are prevented, reinforcing their dedication to the integrity of Malaysian sports and national pride. However, despite the apology, it didn&rsquo;t sit too well among Malaysians who criticised the brand harshly in the comments section online.
Here&rsquo;s some of the comments:
<blockquote class="twitter-tweet" data-conversation="none">
Terrible mistake Every Malaysian deserves a victor badminton racket.
&mdash; Junyong Chong (@junyongz) <a href="https://twitter.com/junyongz/status/1867159746639515685?ref_src=twsrc%5Etfw">December 12, 2024</a></blockquote>

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<blockquote class="twitter-tweet" data-conversation="none">
Ye ke tak sengaja. Macam bodoh je alasan ni sebab nak approve design pon banyak stages ye kene go through dari designer ke bos ke printing. Takkan sorang pon tak perasan benda ni. Ini bukan simple mistake ye 😒
&mdash; Januar Haikal (@Januarhaikal) <a href="https://twitter.com/Januarhaikal/status/1866884811048329348?ref_src=twsrc%5Etfw">December 11, 2024</a></blockquote>

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<blockquote class="twitter-tweet" data-conversation="none">
Patut la pelik tengok bendera Malaysia tadi. And this is a very grave error. You should post this in Malay language.
&mdash; nama saya Schumacher (@_passby) <a href="https://twitter.com/_passby/status/1866842748365709694?ref_src=twsrc%5Etfw">December 11, 2024</a></blockquote>

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<blockquote class="twitter-tweet" data-conversation="none">
It should not be forgiven. Untuk syarikat macam ni mesti banyak peringkat pengesahan. Macam mana baju dan design tu boleh keluar daripada banyak2 peringkat tu? Ini melibatkan maruah dan kedaulatan negara. Dahlah kenyataan rasmi bukan dibuat dlm bahasa kebangsaan.
&mdash; hirwaz (@syahirketu) <a href="https://twitter.com/syahirketu/status/1866889553010889088?ref_src=twsrc%5Etfw">December 11, 2024</a></blockquote>

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<blockquote class="twitter-tweet" data-conversation="none">
Hi Victor, please issue an official statement in the official language. I barely could understand what you're saying yet you insist on doing business in this country.
&mdash; hanafijaafar (@hanafijaafar) <a href="https://twitter.com/hanafijaafar/status/1866869356225036663?ref_src=twsrc%5Etfw">December 11, 2024</a></blockquote>

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Let&rsquo;s hope such incidents are not repeated in the future. Prior to this event, the Malaysian eSports Federation (MESF) had strongly condemned two earlier incidents involving disrespect toward the Malaysian flag by members of the Mobile Legends: Bang Bang (MLBB) eSports community.&nbsp; 
In the first case, American MLBB player Michael "MobaZane" Cosgun posted a video on Instagram featuring the word &ldquo;noob&rdquo; pointing to a graphic of the Jalur Gemilang. MESF described this act as a serious insult to Malaysia&rsquo;s national symbol, emphasizing its condemnation in a Facebook post on November 17. The term &ldquo;noob,&rdquo; commonly used derogatorily in gaming, further highlighted the disrespect shown toward the flag.&nbsp; 
In the second incident, the MLBB Professional League Indonesia (MPLID) shared a distorted version of the Jalur Gemilang on its official Instagram page, featuring only 11 red and blue stripes. The graphic was intended to celebrate Malaysia&rsquo;s 2-1 victory over Indonesia in the World eSports Championships semi-finals. MESF condemned this incorrect representation, stating that it undermines professionalism and the integrity of international events.&nbsp; 
These repeated instances underscore the need for greater awareness and responsibility when it comes to respecting national symbols in all areas of competitive sports.
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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Despite Victor’s apology, many netizens remained unimpressed.

5804d3152d2d1247221f9f185eab6881cd1a9767cac0348349bf7bed506f8520

Upholding National Pride: KBS To Implement Dress Code For Athletes To Prevent Upside-Down Jalur Gemilang Flag Incident

The Employees Provident Fund (EPF) has unveiled its updated Retirement Income Adequacy (RIA) framework, setting new savings benchmarks to ensure Malaysians can achieve financial security in their retirement years. The revised benchmarks outline three tiers of retirement savings: RM390,000 for essential needs, RM650,000 for a comfortable standard of living, and RM1.3 million for a luxury lifestyle.
These benchmarks are based on a 20-year withdrawal plan, reflecting Malaysia&rsquo;s average life expectancy. EPF Chief Executive Officer Ahmad Zulqarnain Onn explained that the framework considers rising living costs and is supported by the Belanjawanku guide, a comprehensive resource estimating monthly expenses for a decent standard of living.
Monthly Withdrawal Benchmarks Over 20 Years:
Essential Tier (RM390,000):
<ul>
<li>First-year withdrawal: RM1,625 per month</li>
<li>Gradual annual increases</li>
<li>Final year (20th year): RM4,430 per month</li>
</ul>
Reasonable Tier (RM650,000):
<ul>
<li>First-year withdrawal: RM2,708 per month</li>
<li>Gradual annual increases</li>
<li>Final year (20th year): RM7,389 per month</li>
</ul>
Luxury Tier (RM1.3 million):
<ul>
<li>First-year withdrawal: RM5,417 per month</li>
<li>Gradual annual increases</li>
<li>Final year (20th year): RM14,779 per month</li>
</ul>
The implementation of these new benchmarks will be gradual to ease the transition. For example, the essential tier benchmark will increase from RM240,000 to RM290,000 in 2026, RM340,000 in 2027, and RM390,000 by 2028. These benchmarks will be reviewed every three years starting in 2029 to reflect inflation and updated cost-of-living data from the Belanjawanku guide.
Flexible Policies for Surplus Savings
<img src="https://r2.myc.my/2dea04b2811cd4a8fde2e54457d36636ce8834cdf3b72701efab04a7ecade7b9" />
In tandem with the new savings benchmarks, EPF has revised its withdrawal policies to provide members with greater flexibility in managing their retirement funds. The Members&rsquo; Investment Scheme (MIS) will allow members to transfer 30% of their savings above the basic benchmark into Akaun Persaraan, giving them the opportunity to invest and grow their funds.
For those with substantial savings exceeding RM1 million, withdrawals will align with the luxury tier benchmark of RM1.3 million. Starting in 2026, members with more than RM1.1 million in savings will be able to withdraw the surplus amount. The withdrawal threshold will increase by RM100,000 annually over three years, reaching RM1.3 million in 2028. This phased approach ensures members have the flexibility to manage surplus funds while adapting to the new benchmarks.
EPF has also raised the minimum retirement age benchmark from 55 to 60 years, reflecting the longer working lifespan and increased life expectancy of Malaysians. This adjustment aims to give members more time to build their savings while preparing for retirement.
The Belanjawanku Guide: A Foundation for Retirement Planning 
<img src="https://r2.myc.my/d38e9e2a5176235c9cbfc200dac3a318474648a6cfa5527bf49b472d591ee1df" />
A cornerstone of the RIA framework is the Belanjawanku guide, which serves as a detailed resource to help Malaysians estimate the minimum monthly expenses needed for a decent living standard. Initially developed for households in the Klang Valley, the guide now covers 11 additional major cities in Malaysia, providing a more comprehensive view of financial requirements across the country.
The guide was created in collaboration with the Social Wellbeing Research Centre (SWRC) at Universiti Malaya and is regularly updated to reflect changes in living costs. It forms the basis for the RIA framework, ensuring that Malaysians have a clear understanding of their financial needs as they plan for retirement.
EPF Chief Executive Officer Ahmad Zulqarnain Onn emphasized that the updated framework and guide are integral to EPF&rsquo;s mission of building a secure retirement future for Malaysians. &ldquo;The Belanjawanku guide helps average Malaysians navigate the challenges of managing household expenses, while the EPF establishes a strong foundation for adequate retirement savings,&rdquo; he said in a statement.
A Balanced Approach for Financial Security
The EPF&rsquo;s revised framework balances immediate flexibility with long-term financial security, ensuring that members can meet their needs during retirement while adapting to rising costs. By providing clear benchmarks, updated withdrawal policies, and comprehensive financial planning tools, the EPF aims to equip Malaysians with the knowledge and resources necessary to achieve a stable and comfortable retirement.
These changes represent a proactive approach to addressing the challenges of retirement planning, empowering members to take control of their financial future while preparing for a better quality of life in their later years.
The real challenge remains: with Malaysia's rising cost of living and relatively low wages, can we realistically save enough in our EPF to meet even the basic monthly expenses needed for retirement?
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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It’s time to plan ahead for retirement and also save cash into our EPF.

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EPF Sets Benchmark At RM390K For Basic Retirement Saving; Needs RM1.3 Million To Live The Life Of Luxury

The tragic case of baby Muhammad Adham Mikhail has captured the nation&rsquo;s attention, sparking widespread outrage and emotional discussions on social media. The incident unfolded when Wan Cai Official, the founder of Unit Khas Van Jenazah (UKVJ), a funeral service provider, shared the harrowing story of how the baby&rsquo;s remains were allegedly withheld by Razif Maternity Hospital (HBR) in Klang due to an outstanding hospital bill. Adham, who was born with severe congenital abnormalities, passed away just minutes after birth on November 24, 2023. The father claimed that the hospital refused to release his son&rsquo;s body unless the RM2,480 hospital bill was fully settled.
The case quickly became a national headline, sparking public outcry over what many viewed as the inhumane treatment of grieving parents. This incident touched a deep nerve, particularly as stories of financial struggles and bureaucratic indifference often dominate healthcare discourse, especially in developing regions.
Father&rsquo;s Struggle and Financial Difficulties
<img src="https://r2.myc.my/8f79c8d6ccada14819c5501e3e379ec591d884f7fdf762e91fde1f898b644db1" />
The father of baby Adham explained that after the baby&rsquo;s birth, he was left struggling to come up with the hospital bill. Unable to afford the full amount due to financial constraints, he sought financial assistance from family, friends, and even his employer, but was still short by RM1,800. For two weeks, he desperately tried to secure the remaining funds, while repeatedly requesting the hospital to release his son&rsquo;s body so that a proper burial could be arranged. Despite his repeated appeals, his requests were denied.
During this period of unimaginable grief, the father&rsquo;s emotional pleas were met with silence, further compounding his suffering. The financial burden, coupled with the emotional toll of losing his child, became a source of immense distress. The father&rsquo;s ordeal exemplifies the challenges faced by many families when dealing with healthcare costs in situations of loss and mourning.
Hospital&rsquo;s Response and Contradictory Statements
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In response to the mounting public outcry, HBR issued a statement denying allegations of withholding the baby&rsquo;s remains and placing the blame on the father. The hospital asserted that the mother was allowed to be discharged the day after the birth and that the father had the opportunity to settle the bill. However, this response was met with scepticism, as both Wan Cai and the father claimed the mother was not released from the hospital until December 9. The hospital further added that the mother was never married and questioned whether her "husband" was fully responsible for arranging the burial.
This claim drew sharp criticism, particularly because the couple produced their marriage certificate, which they insisted proved their union. The hospital&rsquo;s decision to refer to the father as the &ldquo;husband&rdquo; in quotes further fuelled public outrage, as it appeared to undermine the legitimacy of the family&rsquo;s situation and added to their pain.
Public Outcry and Ministry of Health Involvement
The case triggered a wave of public condemnation, with many expressing disbelief and sorrow over the alleged treatment of the grieving family. Social media was flooded with calls for accountability and justice, highlighting the need for hospitals to act with greater compassion in similar circumstances.
<img src="https://r2.myc.my/9bdcf01f8368d2c97c229b2e9442935ae71040dabd6601fc75f20053eafcf7c9" />
In response to the mounting public pressure, the Ministry of Health (MOH) announced an investigation into the matter, with Health Minister Datuk Seri Dr. Dzulkefly Ahmad urging calm and emphasizing the importance of allowing relevant authorities, particularly the Private Medical Practice Control Section (CKAPS), to conduct a thorough probe.
The Minister&rsquo;s call for empathy and compassion resonated with many, particularly as the case unfolded at a time when public trust in healthcare institutions remains fragile. Dr. Dzulkefly stressed that such incidents should not happen, especially when dealing with vulnerable families during moments of grief. His message was clear: all parties, including healthcare providers, should act with humanity and understanding.
Here's some of the comments from netizens:
<blockquote class="twitter-tweet" data-conversation="none">
Finally someone said it <a href="https://t.co/JCjjkTWxP7">pic.twitter.com/JCjjkTWxP7</a>
&mdash; 🕊️ (@nurulhad1rahh) <a href="https://twitter.com/nurulhad1rahh/status/1866811639238103157?ref_src=twsrc%5Etfw">December 11, 2024</a></blockquote>

<script async="" src="https://platform.twitter.com/widgets.js" charset="utf-8"></script>

<blockquote class="twitter-tweet" data-conversation="none">
Tak professional betul. Bad grammar dah satu hal. Cerita tergantung. Takkan lah baby became blue then expired minutes later? Takkan la tak stabilise. Tengok google punya lah byk bad review.
&mdash; Ahorra Dinero (@Khai_navil) <a href="https://twitter.com/Khai_navil/status/1866755023503495426?ref_src=twsrc%5Etfw">December 11, 2024</a></blockquote>

<script async="" src="https://platform.twitter.com/widgets.js" charset="utf-8"></script>

<blockquote class="twitter-tweet" data-conversation="none">
All I got from this statement is the arrogance of private healthcare practices. "HBR had to accept her on humanitarian ground despite being unbooked and unscreened". Uih cakap dah macam berjasa sangat menerima patient dalam emergency.
&mdash; AJ (@taksesal) <a href="https://twitter.com/taksesal/status/1866764896723144795?ref_src=twsrc%5Etfw">December 11, 2024</a></blockquote>

<script async="" src="https://platform.twitter.com/widgets.js" charset="utf-8"></script>

<blockquote class="twitter-tweet" data-conversation="none">
This press release has so many issues&mdash;tone, grammar, style, and way too much detail. It&rsquo;s also pretty insensitive and unprofessional. Sharing personal info about the patient and baby (like their medical condition or marital status) is a major privacy breach.
&mdash; Armani (@armani_zul) <a href="https://twitter.com/armani_zul/status/1866800569941471274?ref_src=twsrc%5Etfw">December 11, 2024</a></blockquote>

<script async="" src="https://platform.twitter.com/widgets.js" charset="utf-8"></script>

<blockquote class="twitter-tweet" data-conversation="none">
Main issue ialah 16 hari Jenazah ditempatkan di freezer. Mana SOP dia untuk menguruskan jenazah terutama org islam. Takkan sebuat hospital tiada SOP untuk pengurusan jenazah! Mesti ada SOP dengan pesakit mcm ni. Dia baru sebulan ke tubuh hospital tersebut 😒
&mdash; Asrol Iberahim (@azrullez) <a href="https://twitter.com/azrullez/status/1866753538568884389?ref_src=twsrc%5Etfw">December 11, 2024</a></blockquote>

<script async="" src="https://platform.twitter.com/widgets.js" charset="utf-8"></script>

<blockquote class="twitter-tweet" data-conversation="none">
are you trying to shame the parents for being unmarried? what&rsquo;s with the bunny quote?
&mdash; queen ✨ (@syyree) <a href="https://twitter.com/syyree/status/1866751556617646107?ref_src=twsrc%5Etfw">December 11, 2024</a></blockquote>

<script async="" src="https://platform.twitter.com/widgets.js" charset="utf-8"></script>

Legal and Social Implications
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The case has highlighted the broader issue of how bereaved families are often treated by healthcare systems, particularly when financial constraints are involved. In many instances, families are left navigating a complex web of rules and procedures while grappling with their loss. The father&rsquo;s decision to seek legal assistance from Datuk Ahmad Zaharil Muhaiyar, a prominent lawyer, further underscored the need for greater legal support in cases of medical negligence or mistreatment.
The involvement of such high-profile figures in the case has drawn attention to the larger systemic issues that contribute to the suffering of families dealing with infant loss. As the legal process unfolds, the public continues to demand accountability, emphasizing the need for healthcare institutions to ensure dignity and respect for grieving families, regardless of financial circumstances.
The ongoing investigation by the Ministry of Health, combined with widespread public outcry, has brought urgent attention to the rights of grieving families, particularly when financial struggles intersect with the loss of a child. The heartbreaking case of baby Adham Mikhail underscores the critical need for healthcare providers to adopt more compassionate, transparent, and accountable practices when handling bereaved families. 
This tragic incident serves as a powerful reminder that addressing such sensitive situations requires empathy, responsibility, and a dedication to upholding human dignity. As the investigation unfolds, there is hope that justice will be delivered for baby Adham&rsquo;s parents, and that similar cases will inspire lasting reforms to prevent such deeply painful experiences in the future.
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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Amid public outrage, the hospital defends their actions as humanitarian, despite criticism over their handling of the mother’s marital status.

ac46bf2481bb3b921edeb7a8a1565c849b985d36cdb7dfee97a3430a381b7d3f

Maternity Hospital Baby Case: A Heartbreaking Dispute Over Burial & Hospital Bills

Microsoft has announced an ambitious initiative, "AI for Malaysia&rsquo;s Future" (AIForMYFuture), aiming to upskill 800,000 Malaysians in artificial intelligence (AI) by the end of 2025. This landmark program was introduced during the Microsoft Cloud and AI Summit in Kuala Lumpur on December 10, 2024. The initiative aligns closely with Malaysia's National AI Roadmap 2021-2025, emphasizing collaboration between public and private sectors to create a sustainable and inclusive AI ecosystem.
Collaboration with the National AI Office (NAIO)
<img src="https://r2.myc.my/d2284a3faf14cc5ebb1bd062e20991c92590a9b06210a3ef98ef476391dea797" />
AIForMYFuture will work hand-in-hand with Malaysia&rsquo;s soon-to-be-launched National AI Office (NAIO), a pivotal project led by the Ministry of Digital. The NAIO's mission is to foster AI adoption across sectors through partnerships that promote innovation and opportunity. Digital Minister Gobind Singh Deo highlighted the transformative potential of public-private cooperation, stating, "AI can scale across Malaysia&mdash;from agriculture in the north to the semiconductor industry in Penang&mdash;creating smart economic hubs, fostering local innovation, and enabling greater employability and opportunities for all."
A Nation Already Embracing AI 
<img src="https://r2.myc.my/3522216576f00761d6aafdcdf23ecd775b84a48246412f81e5c7e980b7ab648f" />
Microsoft&rsquo;s 2024 Work Trend Index revealed that 84% of Malaysian knowledge workers already utilize AI in their jobs, underscoring the nation&rsquo;s readiness to adopt AI on a broader scale. According to Laurence Si, Managing Director of Microsoft Malaysia, AIForMYFuture will channel this enthusiasm into meaningful progress, preparing Malaysia for an AI-driven future.
This initiative extends Microsoft's commitment to nurturing Malaysia&rsquo;s AI talent pipeline, building on previous efforts such as the Bersama Malaysia program, which provided over 1.5 million Malaysians with digital skills by 2023.
Strategies to Empower Malaysians with AI Skills
AIForMYFuture focuses on creating a workforce equipped to thrive in an AI-powered economy. Key components of the initiative include:
<ol>
<li>Broad Stakeholder Collaboration: Microsoft will partner with government agencies, educational institutions, social enterprises, and private organizations to expand AI fluency nationwide.</li>
<li>Industry Readiness: Skilling opportunities will be provided across public and private sectors, targeting industries ranging from large corporations to startups and small-to-medium enterprises (SMEs).</li>
<li>Education for Future Talent: AIForMYFuture aims to prepare students, particularly in schools and technical and vocational education and training (TVET) institutions, to enter the AI-driven workforce.</li>
<li>Inclusion and Accessibility: The program is committed to empowering marginalized groups, underserved communities, and women entrepreneurs, ensuring that AI education reaches diverse demographics.</li>
<li>Personalized Learning Pathways: The AI Skills Navigator, a newly launched tool, provides Malaysians with guided learning journeys, catering to both foundational and advanced AI skills.</li>
</ol>
Partnerships Driving AIForMYFuture
<img src="https://r2.myc.my/74dd571d3a5e270ef6109388295bfa56cd89fc7fd6da2031743aab96ddcddbf8" />
Collaboration is at the heart of AIForMYFuture&rsquo;s success. Microsoft will work with notable partners such as Biji-biji Initiative, HRD Corp, Jobstreet by SEEK, MyDIGITAL Corporation, and the National TVET Council. Additionally, initiatives like the AI TEACH Malaysia program and Ready4AI&amp;Security, developed in partnership with the International Women&rsquo;s Federation of Commerce and Industry Malaysia (IWFCIM), aim to integrate AI into education and support women in AI and cybersecurity careers. As of October 2024, these efforts have already impacted over 73,000 individuals.
AIForMYFuture represents more than just a training initiative; it reflects Microsoft&rsquo;s vision to democratize AI and contribute to inclusive economic growth in Malaysia. The program aligns with national goals to integrate AI into various sectors, fostering innovation and productivity while addressing societal challenges.
With tools like the AI Skills Navigator and a robust network of collaborators, Malaysians are poised to take advantage of a personalized and accessible pathway to AI expertise. As the country continues its journey toward an AI-powered economy, initiatives like AIForMYFuture promise to shape a future where technology serves everyone.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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Empowering a new generation of AI learners—Malaysia takes a bold step toward an AI-driven future.

Indonesia Deems The iPhone 16 Illegal For Locals As Apple Has Yet To Invest In The Country

Don’t worry if you’re a tourist, you’re more than free to use the iPhone 16 in the country.

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