Nabil Luqman

0f9d2dd4f71434084e2b6094de1865e23abb37bb9f28ca51feeabee679ec9be2

Money

Selangor

salary

podcast

Altimet

reveal

monthly wage

paycheck

Have you ever wondered about the earnings of Malaysia's state representatives? Recently, Altimet, the Lembah Jaya State Assemblyman and former rapper, opened up about his monthly earnings during an episode of Dol&rsquo;s Podcast. He disclosed that his income as a state assembly member (ADUN) in Selangor could reach up to RM16,000 per month, including allowances.
Selangor: Among the Top States for YB Salaries
<img src="https://r2.myc.my/812f3a5d06143f61a1217ad99c61f344349c5ee4723f9fe618257192a03f6190" />
Altimet shared insights into his earnings while speaking with podcast hosts Shuk Sahar, Shuib, and Fizi. He explained that Selangor ranks among the top three states offering the highest salaries for state representatives in Malaysia.
The RM16,000 monthly figure he mentioned is not just a basic salary but also encompasses allowances for responsibilities tied to his role. These include community service, legislative duties, and other obligations expected of an ADUN.
While Selangor offers attractive pay packages, Altimet clarified that certain perks, such as housing and official vehicles, are not included in the benefits. However, ADUNs can access loan facilities similar to those available to government employees.
<blockquote class="tiktok-embed" style="max-width: 605px; min-width: 325px;" cite="https://www.tiktok.com/@dolspodcast/video/7441927577494621448" data-video-id="7441927577494621448">
<section><a title="@dolspodcast" href="https://www.tiktok.com/@dolspodcast?refer=embed" target="_blank" rel="noopener">@dolspodcast</a> Gaji wakil rakyat adalah sebanyak?? Layan Episod 38, 9 MALAM INI di Youtube Shuib Channel &amp; spotify Dol&rsquo;s Podcast. Podcast ini dibawakan khas untuk anda oleh Pop Motif Interior Pte Ltd A HDB licensed contractor 📞 8755-6538 IG: @popmotif.sg Fb: popmotif 💻 www.popmotif.sg Pop Motif Interior Pte Ltd Deserve To Be Noticed. @shuibsepahtu @shuksahar @Fizie Roslan @Mamatsepah_Nana @Pop Motif Official @altimet <a title="dolspodcast" href="https://www.tiktok.com/tag/dolspodcast?refer=embed" target="_blank" rel="noopener">#DolsPodcast</a> <a title="♬ original sound - Dol&rsquo;s Podcast" href="https://www.tiktok.com/music/original-sound-Dol&rsquo;s-Podcast-7441927603973393169?refer=embed" target="_blank" rel="noopener">♬ original sound - Dol&rsquo;s Podcast</a></section>
</blockquote>

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Allowances and Responsibilities: Beyond the Pay
<img src="https://r2.myc.my/8b9ff99bef078c866b49eac3a3ae2eb9d478f8d025cbb9d03e05d4742b13e9ad" />
State assembly members in Selangor also receive specific allowances to support their work. Among them is a provision for hiring a personal driver.
&ldquo;Part of our allowance includes a budget for a driver,&rdquo; Altimet explained. &ldquo;The State Secretary (SUK) encourages us to ensure we hire one, as the allowance is specifically allocated for this purpose. Not hiring a driver could even draw criticism from higher-ups.&rdquo;
This allowance is just one example of how Selangor's government aims to ensure its YBs can fulfil their duties effectively.
The Role of a YB: Serving the People
Representatives with the title &lsquo;Yang Berhormat&rsquo; (YB) shoulder the responsibility of voicing the concerns of their constituents while actively participating in legislative processes. Elected by the people, these representatives work to balance the demands of governance with the needs of their communities.
Although they receive a salary, like any other professional, the job comes with a mix of public scrutiny and high expectations. Altimet&rsquo;s candid disclosure offers a rare glimpse into the financial and logistical aspects of being a YB in Malaysia.
Watch The Full Podcast Here:
<iframe src="https://www.youtube.com/embed/-zORO4nRrUU?si=SFQiDzNIjkr2GQku" width="560" height="314" allowfullscreen="allowfullscreen"></iframe>
It&rsquo;s true, that RM16,000 is a significant sum, but let&rsquo;s be honest&mdash;if a YB is truly dedicated and fulfils their responsibilities, it&rsquo;s a fair reward for their efforts. What really matters is ensuring these allowances are used responsibly, without being misdirected for personal gain, and that the community benefits from their work.
What do you think? Should YBs earn this much, or is it too high? Share your thoughts in the comments below!
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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Beyond the RM16K pay check, being a YB comes with additional financial perks to support their responsibilities.

b432dfb864cc464fa529fccd7a7f5f10f5dadaf09eeba5ab48da0fabed5a4019

Altimet Discloses RM16K Monthly Earnings As A Selangor YB

Israeli Prime Minister Benjamin Netanyahu has postponed the scheduled cabinet vote on a ceasefire deal intended to halt the ongoing war in Gaza. The delay, which occurred just before a key meeting was set to take place on Thursday, has raised concerns about lingering disagreements that could potentially derail the hard-won truce. Netanyahu accused Hamas of trying to extract last-minute concessions before agreeing to the terms, which were finalised after months of mediation.
US Confidence in Ceasefire Despite Setback 
<img src="https://r2.myc.my/25aeb6f44837ca4d7169590cdc10bc992a929186a6ab3792fe386e9e00100a31" />
Despite the delay, U.S. Secretary of State Antony Blinken expressed confidence that the ceasefire, which had been brokered by the U.S., Qatar, and Egypt, would still come into effect as planned on Sunday. Blinken acknowledged that there had been "loose ends" to address, but he reassured the public that these issues were being resolved and that the ceasefire would begin without further complications. "It's not surprising that in a process as challenging as this one, we&rsquo;re tying up that loose end," Blinken stated during a press conference in Washington.
Although the ceasefire was agreed upon in principle by Israeli negotiators, it requires formal approval by the Israeli security cabinet before it can be implemented. The U.S. remains optimistic that the deal will be ratified in the coming days despite the delays.
Continued Strikes and Tensions in Gaza
<img src="https://r2.myc.my/3a2ce533c49b9031904a683539619406214bad80e1d8a9d6638485ab724a58b7" />
As Israel and Hamas work through the final details of the agreement, fighting in Gaza has continued unabated. Following the announcement of the ceasefire deal on Wednesday, Israeli airstrikes intensified, killing at least 86 people, according to Palestinian health officials. These strikes, which have targeted several locations across Gaza, have added to the mounting death toll, with more than 46,000 Palestinians reported killed since the start of the conflict.
On the ground in Gaza, a mix of anger and disbelief has spread among civilians as they continue to face the devastating impact of the ongoing military operations. For some, the announcement of the ceasefire has brought little relief, as their homes and lives are shattered by the relentless bombing.
Hamas' Conditions and the Disputed Prisoner List
<img src="https://r2.myc.my/24b1e07c8a33114492180958676a037fbec4f92ef01a90f13478e036ef08bb4d" />
The main point of contention between Israel and Hamas lies in the list of Palestinian prisoners to be released as part of the deal. While Hamas has publicly committed to the ceasefire, it has attempted to add more of its members to the list of prisoners to be freed. Israeli negotiators have resisted these demands, particularly over the inclusion of individuals viewed by Israel as "symbols of terror."
The first phase of the ceasefire agreement, which is set to last for six weeks, will see the release of 33 hostages held by Hamas in exchange for Palestinian prisoners. In addition, Israeli forces are expected to pull back from densely populated areas of Gaza, and displaced Palestinians will be allowed to return home. Humanitarian aid will also flow into Gaza, with hundreds of trucks expected to deliver vital supplies.
The delay has also highlighted divisions within Israel&rsquo;s government. National Security Minister Itamar Ben-Gvir, a hardline figure in Netanyahu&rsquo;s coalition, has threatened to resign if the ceasefire deal goes through. He labelled the agreement as "reckless" and argued that it would undo the achievements of Israel&rsquo;s military campaign. Despite this, a majority of Israeli ministers are expected to back the deal, and the cabinet is likely to vote on it by Friday or Saturday.
Further complicating the situation, Finance Minister Bezalel Smotrich, another right-wing member of Netanyahu&rsquo;s government, has also voiced opposition to the deal. Smotrich is demanding conditions for his support, including a return to military action if Hamas retains control of Gaza after the ceasefire&rsquo;s first phase. These internal disagreements reflect the deeply entrenched ideological divisions within Israel&rsquo;s political landscape.
International Mediation and the Path to Peace
<img src="https://r2.myc.my/446929863bf33416b5598cd096980c0d33ae5eb2e037b357fcfd4a5bc36ad52b" />
The ceasefire agreement, which was negotiated with the help of international mediators, represents a potential turning point in the conflict. If implemented successfully, it will mark the beginning of a phased approach to ending the violence and rebuilding Gaza. The first stage of the deal focuses on humanitarian aid, hostages, and the gradual withdrawal of Israeli forces. Subsequent phases will address the complete return of hostages, the withdrawal of Israeli troops, and the long-term reconstruction of Gaza.
However, the road to lasting peace remains fraught with challenges. As negotiations continue, the international community watches closely, hoping that this ceasefire agreement can pave the way for a broader and more sustainable resolution to the ongoing conflict in Gaza.
The Human Cost of War and the Call for Immediate Action
<img src="https://r2.myc.my/07f4f23e04990782b733f0e90c0278f4f6969a13b01acb540538ac374faa7cfb" />
The impact of the war on Gaza's civilian population has been devastating. Entire neighbourhoods have been destroyed, and the humanitarian crisis is worsening by the day. The ceasefire agreement offers a glimmer of hope for those in Gaza, but for many, the situation remains dire. Palestinian authorities and civilians continue to call for an immediate halt to the fighting, urging both sides to prioritise peace over politics and to implement the ceasefire without delay.
As the conflict continues, the eyes of the world remain fixed on Gaza, where the toll of war continues to mount.
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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The pressing question remains: Why wasn’t this resolution reached sooner, when so little is left for the Palestinians?

77c5a4ef83151b4704bef313d98db01d18ae21dc4317132c2d34a946d9481803

Palestine Ceasefire Deal Reached; Israel Delays Final Approval Amid Negotiations

Legendary Taiwanese boy band ENERGY is set to deliver an unforgettable performance as part of their highly anticipated "Imminent (一触即发)" world tour! This April, the five-member group will make their way to Malaysia for a night of iconic hits and thrilling stage energy that fans won't want to miss.
Having announced their reunion after a 15-year hiatus, ENERGY has already wowed audiences with recent performances in Singapore. Now, the group will take centre stage at Kuala Lumpur's Axiata Arena on 5th April 2025 (Saturday).
Who Is ENERGY?
<img src="https://r2.myc.my/3162ac549d1261777be3057fe68087b5886d34f11b06d81e22db2bb2242be0e6" />
Energy is a Taiwanese boy band that made its debut on July 12, 2002. The group consist of five members: leader Milk (Yeh Nai Wen), lead vocalist Edy (Hsiao Ching Hung), rapper and main dancer Toro (Kuo Wei Yun), vocalist and dancer KunDa (Hsieh Kun Da), and lead singer Shuwei (Chang Shu Wei). Energy quickly gained attention for their unique Rapcore sound, a blend of rap and rock elements that was relatively uncommon in the Mandopop scene at the time. Their energetic stage presence and intricate choreography drew comparisons to Korean boy bands, helping them stand out in the competitive music industry.
The group&rsquo;s discography features several iconic tracks that resonated with fans across Asia. Songs like "Let Go" (放手) and "Love Me for Another Day" (多爱我一天) became fan favourites, with the former showcasing their vibrant choreography and the latter highlighting their vocal harmonies. Another notable hit, "One Day" (某年某月某一天), became a popular ballad that demonstrated the group&rsquo;s versatility beyond high-energy performances. Albums such as Energy! Come On! and Invincible further solidified their place in the Mandopop industry, earning them a loyal fan base.
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Despite their success, the group faced significant challenges with lineup changes. Toro departed in 2003 to pursue other opportunities, and Milk left the group in 2005. While the departures marked a shift for Energy, the remaining members continued to produce music and perform, demonstrating their resilience and dedication to their fans. However, after years of activity, the group announced a hiatus in 2009, leaving fans uncertain about their future.
In January 2024, Energy surprised fans by reuniting with all five original members under B'in Music. This marked their highly anticipated return to the music scene after a 15-year hiatus. The reunion not only rekindled excitement among long-time fans but also introduced a new generation to their music. With plans for new releases and live performances, Energy's comeback represents a celebration of their legacy and a new chapter in their journey as one of Taiwan&rsquo;s most iconic boy bands.
What to Expect at the Concert
<img src="https://r2.myc.my/9303f871873e669c1c71aea26fbd1137ab6d0afdce3bb61ff556a4930eb2d821" />
ENERGY boasts a devoted fan base in Malaysia, Singapore, and China, making their Kuala Lumpur stop a thrilling moment for regional fans. With both nostalgia and fresh energy, the upcoming concert promises to showcase the group&rsquo;s classic hits alongside new tracks, symbolising a new chapter in their illustrious career.
The ENERGY &ldquo;Imminent (一触即发)&rdquo; World Tour promises to be an unforgettable spectacle, complete with captivating performances and state-of-the-art stage designs. Fans will be treated to timeless favourites like &ldquo;Let Go (放手)&rdquo; and &ldquo;Love Me For Another Day (多爱我一天)&rdquo;, as well as songs from their newly released albums. Whether you&rsquo;ve been a fan since their early days or are discovering their music anew, this concert is set to deliver an unparalleled audio-visual experience.
Concert Details:
<ul>
<li>Date: 5th April 2025 (Saturday)</li>
<li>Time: 8:00 PM</li>
<li>Venue: Axiata Arena, Kuala Lumpur</li>
<li>Organiser: StarPlanet</li>
</ul>
Ticket Information and Seating Plan
<img src="https://r2.myc.my/3750289fca7bf3d89fcfebd3d667bb2077aede1bd0d1f2dd46a9bbeba7c447d7" />
Ticket Prices:
<ul>
<li>ROCK Zone: RM858</li>
<li>Category 1: RM798</li>
<li>Category 1 (Restricted View): RM728</li>
<li>Category 2: RM568</li>
<li>Category 2 (Restricted View): RM498</li>
<li>Category 3: RM358</li>
</ul>
Tickets will be available starting 21st January 2025 (Tuesday), 12:00 PM, exclusively on <a href="https://my.bookmyshow.com/en">my.bookmyshow.com</a>.
When purchasing tickets, fans should carefully review the seating plan provided by the organiser, StarPlanet, to ensure the best experience. Be aware that seats labelled as "Restricted View" may have partial obstructions that could affect your enjoyment of the show. For the most immersive experience, it is recommended to choose seats without these limitations.
Catch Up With Their Music
As the boy band makes their long-awaited return to the music scene, it&rsquo;s only fitting that they bring fresh tracks to delight their fans. &nbsp;The production of the EP took approximately six months, with the band members expressing that it felt like a culmination of their 22-year journey. The title track, "Here I Am," serves as a declaration of their comeback, inviting fans to join them in this new chapter. Meanwhile, "星期五晚上" (Friday Night) was selected unanimously by the members during the track selection process, aiming to infuse positive and vibrant energy into their music.
The EP is available to stream on platforms like <a href="https://music.apple.com/us/album/here-i-am-ep/1743368890">Apple Music</a> and <a href="https://open.spotify.com/album/1ONlWSqyHGDyOoyfNsTnoS">Spotify</a>.
Discover their latest EP, &lsquo;Here I Am&rsquo;, below:
<iframe style="border-radius: 12px;" src="https://open.spotify.com/embed/album/1ONlWSqyHGDyOoyfNsTnoS?utm_source=generator" width="100%" height="352" frameborder="0" allowfullscreen="allowfullscreen" loading="lazy"></iframe>
Are you ready to experience ENERGY live in Kuala Lumpur? Mark your calendars and grab your tickets early to avoid disappointment!
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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After a 15-year-hiatus, don’t miss their electrifying comeback concert!

b291524f15ffe26d1a462f5d537dcadd0d255514c34d9041c0b553366f56954e

Taiwanese Boy Band ENERGY Returns With A Live Concert In Kuala Lumpur This April 2025

Pok&eacute;mon fans in Malaysia have a new reason to celebrate. The Pok&eacute;mon PlayLab has officially opened at 1 Utama Shopping Centre in Petaling Jaya, adding to the excitement of the beloved franchise's growing presence in the country. Whether you&rsquo;re a seasoned collector, a competitive card player, or someone who simply loves the Pok&eacute;mon universe, this store promises an immersive experience for all ages.
The Pok&eacute;mon PlayLab at 1 Utama joins the ranks of its popular sister outlets in Setia City Mall, Tebrau City in Johor, and Queensbay Mall in Penang. As the fourth addition to Malaysia&rsquo;s Pok&eacute;mon family, the store takes the magic of Pok&eacute;mon fandom to new heights, offering an impressive range of merchandise, activities, and experiences. The Pok&eacute;mon PlayLab is more than just a store&mdash;it&rsquo;s a treasure trove of collectables and a hub for fans to connect and celebrate their shared passion.
Plushies and Mystery Collectibles
<img src="https://r2.myc.my/b8a20e991b6833c22143a5f0a2396912233052f946b22af2b82f63fda70baa23" />
Step into the PlayLab, and you&rsquo;ll find shelves filled with adorable plushies of iconic characters like Pikachu, Eevee, Snorlax, and Charmander. These soft companions are perfect for fans of all ages, whether you&rsquo;re adding to your collection or looking for a thoughtful gift.
For those who enjoy a touch of suspense, the PlayLab offers blind boxes containing mystery figurines. The thrill of unboxing these surprises is perfect for collectors who love discovering hidden gems.
A Paradise for Trading Card Fans
<img src="https://r2.myc.my/85ddd72ee0ed4c1d105db402f691795c41a0b26a4842ecbc7f32014c6ba8409f" />
If you&rsquo;re a fan of the Pok&eacute;mon Trading Card Game (PTCG), the PlayLab has you covered. Stocked with booster packs to enhance your deck, the store also features a dedicated battle area where trainers can duel, strategise, and bond with fellow players. Whether you&rsquo;re a beginner eager to learn or a seasoned pro, this space is designed for everyone.
Gashapon Machines and Exclusive Merchandise
<img src="https://r2.myc.my/2070afc61062574787dd26ff06956072281a3ad582854a723dd6f550b400521c" />
No Pok&eacute;mon experience is complete without Gashapon machines, and the PlayLab doesn&rsquo;t disappoint. These Japanese capsule toy vending machines are filled with exclusive Pok&eacute;mon-themed treasures, offering a fun and interactive way to collect miniatures. Fans can trade their Gashapon toys with others, making the experience even more engaging.
The store also boasts an array of official Pok&eacute;mon merchandise, from stylish T-shirts and bags to practical mugs and quirky keychains. Younger fans will love the selection of Pok&eacute;mon toy sets, designed to bring the adventure to life through creative play.
A Community Experience
The Pok&eacute;mon PlayLab is more than a shopping destination&mdash;it&rsquo;s a place where fans can come together to share their love for the franchise. Whether you&rsquo;re testing your skills in a card battle, exploring the world of Gashapon, or simply browsing the merchandise, the store offers a welcoming environment for all Pok&eacute;mon enthusiasts.
Plan Your Visit
Are you ready to dive into the Pok&eacute;mon universe? Here are the details to plan your visit:
<ul>
<li>Location: LG Floor, AEON, 1 Utama Shopping Centre, Bandar Utama, 47800 Petaling Jaya, Selangor.</li>
<li>Opening Hours: 10am - 10pm, daily.</li>
</ul>
&nbsp;
With the nearest Pok&eacute;mon Centers in Southeast Asia located in Singapore and Taiwan, this new store is likely the closest we&rsquo;ll get to having a full-fledged Pok&eacute;mon Centre here in Malaysia. The real question, though, is: just how deep are we willing to dig into our wallets for the love of Pok&eacute;mon merchandise?&nbsp; 
Since Chinese New Year is just around the corner, it might be the perfect excuse to save up those angpau gifts and splurge on some Pok&eacute;mon goodies!
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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a770680c36c84f428f46c330b0aa77ae1310a915eaecfbb50b7eef6d326f84f4

Don’t Walk—Run! A New Pokémon PlayLab Has Opened In 1 Utama!

As the deadline for a potential TikTok ban in the United States looms, American content creators are flocking to an unlikely alternative: Xiaohongshu, or RedNote. This Chinese social media platform, which has soared in popularity in recent weeks, has become the go-to space for many users seeking a refuge from the uncertainty surrounding TikTok&rsquo;s future.
As the platform overtakes others in terms of downloads, RedNote is quickly becoming a hotbed for displaced TikTok creators, sparking a curious digital migration that raises questions about data privacy, international relations, and the future of social media.
The Great Migration: TikTok Users Head to RedNote
<img src="https://r2.myc.my/1d5710c04cf6fadf3ac915b5243e433d99e82afb6d7ee8545a8e9b9588b181d0" />
RedNote, known as Xiaohongshu in Chinese, blends the aesthetic appeal of Instagram with the organisational charm of Pinterest, offering a similar experience to TikTok but with a distinct twist. As the US government sets a deadline of January 19, 2025, for ByteDance, TikTok&rsquo;s parent company, to divest its US operations or face a ban, many of TikTok&rsquo;s 170 million American users have started migrating to RedNote. The app, which has grown significantly in China and other Mandarin-speaking regions, now boasts a fresh audience eager to continue their digital influence on new turf.
TikTok influencer Jen Hamilton, who has 3.9 million followers, made her move public with a humorous video, poking fun at the controversy surrounding TikTok&rsquo;s Chinese ownership. "Oh, you don&rsquo;t want the Chinese to have our very sensitive personal data? We will drop it off directly!" she quipped, reflecting the ironic twist of American users flocking to another Chinese platform amidst the data security concerns surrounding TikTok.
<blockquote class="tiktok-embed" style="max-width: 605px; min-width: 325px;" cite="https://www.tiktok.com/@_jen_hamilton_/video/7459471535426817323" data-video-id="7459471535426817323">
<section><a title="@_jen_hamilton_" href="https://www.tiktok.com/@_jen_hamilton_?refer=embed" target="_blank" rel="noopener">@_jen_hamilton_</a>
Find me!
<a title="♬ Chopin Nocturne No. 2 Piano Mono - moshimo sound design" href="https://www.tiktok.com/music/Chopin-Nocturne-No-2-Piano-Mono-6817665487665629186?refer=embed" target="_blank" rel="noopener">♬ Chopin Nocturne No. 2 Piano Mono - moshimo sound design</a></section>
</blockquote>

<script async="" src="https://www.tiktok.com/embed.js"></script>

The US Government&rsquo;s Stance on TikTok
<img src="https://r2.myc.my/01d1a8e5a351581fec47f832bb0a8b01423c6a7ebaf97d6c0e02ee28d0cc6484" />
The US government has consistently argued that TikTok poses a national security threat, alleging that the app is used to collect personal data and spread propaganda. In 2023, US lawmakers passed a law demanding that ByteDance sell its US operations or face a potential ban. Despite ByteDance&rsquo;s denial of any malicious intent and its efforts to fight the ruling in court, the deadline for a decision on TikTok's fate draws closer.
While this ongoing controversy has raised concerns about data privacy and freedom of speech, many TikTok creators have voiced indifference to these issues. For them, the loss of TikTok is less about security and more about the loss of their platforms for digital expression. "I'm just a simple person living a simple life," Sarah Fotheringham, a school canteen worker from Utah, told BBC. "I don&rsquo;t have anything that China doesn&rsquo;t, and if they want my data that bad they can have it."
RedNote&rsquo;s Warm Welcome to New Users
<img src="https://r2.myc.my/50d0fc4d9882df7a8edf31db62393d9b4f56b1db84844a795e45273d4aebba8c" />
As TikTok refugees arrive in droves, RedNote&rsquo;s community has eagerly embraced its new users. The app, which initially gained traction for its lifestyle content, including fashion and dating tips, now hosts a growing number of Americans who are adapting to the platform&rsquo;s unique format. Posts tagged #TikTokrefugee are brimming with advice on how to navigate RedNote and even tips on learning basic Chinese phrases.
While the app&rsquo;s content is predominantly Mandarin-speaking, many users have found the language barrier manageable and are taking to it with enthusiasm. The influx of US users has spurred a wave of cross-cultural exchanges, with some RedNote users offering to teach their new American followers Chinese, while others share quirky content about their newfound interest in Chinese culture.
Despite its warm welcome, there are some notable concerns. Just as TikTok faces accusations of censorship, RedNote has been criticised for similar practices. In Taiwan, government officials have been banned from using the platform due to security concerns related to its Chinese origins. Moreover, some content creators have expressed concerns about surveillance and the platform&rsquo;s potential for censorship, especially when it comes to politically sensitive topics.
A Paradox of Geopolitics: US Users Embrace Chinese Tech
<img src="https://r2.myc.my/fe6f5edbd8a300416c867eea054caf3dee536c04c477c8770e51f30a237beac9" />
The migration to RedNote is an ironic twist in the ongoing debate over Chinese technology and its role in global politics. While the US government scrutinises Chinese tech companies for their potential ties to the Chinese government, American users are increasingly turning to platforms like RedNote to preserve their digital influence. This paradox highlights a growing disconnect: while government officials are concerned with national security risks, regular users are more focused on finding a platform that meets their needs for social connection, creativity, and expression.
Interestingly, RedNote&rsquo;s rise comes amid broader geopolitical tensions. As the US government presses for TikTok&rsquo;s divestiture, China&rsquo;s government has floated the idea of selling TikTok&rsquo;s US operations to American business magnate Elon Musk, who owns the social platform X (formerly Twitter). While this deal could potentially appease both US and Chinese interests, it raises more questions about the future of digital platforms and the intersection of tech, politics, and free speech.
The Road Ahead: Will RedNote and TikTok Coexist?
As the countdown to TikTok&rsquo;s possible ban continues, RedNote&rsquo;s newfound popularity may only be the beginning. Many users who have migrated to the app are not sure what the future holds, but they remain optimistic about the opportunities it presents. Some have even reported spending more time on RedNote than on TikTok, finding a new sense of community and connection.
An amusing trend that has been making the rounds among new RedNote users is the playful &ldquo;Goodbye, My Chinese Spy&rdquo; meme. This trend, shared by TikTok users making the move to RedNote, highlights the irony of embracing a Chinese platform while simultaneously poking fun at the US government's surveillance concerns regarding TikTok. Users joke about becoming &ldquo;Chinese spies&rdquo; for the platform, turning what is often a serious geopolitical issue into a lighthearted cultural exchange.
While the trend is humorous, it underscores the growing popularity of RedNote, as US users embrace this new platform amidst the looming TikTok ban. The meme also reflects the paradox of international tech relations, where users are often far removed from the political implications of their digital choices, focused instead on their connections and content creation.
Exploring How the Community Is Reacting to the RedNote and TikTok Shift:
<blockquote class="twitter-tweet">
<a href="https://twitter.com/hashtag/RedNote?src=hash&amp;ref_src=twsrc%5Etfw">#RedNote</a> <a href="https://twitter.com/hashtag/TikTok?src=hash&amp;ref_src=twsrc%5Etfw">#TikTok</a> Guys, isn&rsquo;t this just how the world is supposed to be? <a href="https://t.co/muY2FNvdmF">pic.twitter.com/muY2FNvdmF</a>
&mdash; Selesha (@thebestkirin87) <a href="https://twitter.com/thebestkirin87/status/1879060981500072218?ref_src=twsrc%5Etfw">January 14, 2025</a></blockquote>

<script async="" src="https://platform.twitter.com/widgets.js" charset="utf-8"></script>

<blockquote class="twitter-tweet">
One of my favorite things on RedNote so far is the Chinese also making fun of how Brits say &ldquo;bottle of water&rdquo; 😂 <a href="https://t.co/wa2TyssoDO">pic.twitter.com/wa2TyssoDO</a>
&mdash; rae (@raewolff_) <a href="https://twitter.com/raewolff_/status/1879165577627095163?ref_src=twsrc%5Etfw">January 14, 2025</a></blockquote>

<script async="" src="https://platform.twitter.com/widgets.js" charset="utf-8"></script>

<blockquote class="twitter-tweet">
Chinese Tik Tok (Red Note) has allowed me to preach the good word of American Culture&hellip;. I am a diplomat. <a href="https://t.co/Zlv7fw2HgJ">pic.twitter.com/Zlv7fw2HgJ</a>
&mdash; Bengalorian (@thebengalorian) <a href="https://twitter.com/thebengalorian/status/1879196659978219564?ref_src=twsrc%5Etfw">January 14, 2025</a></blockquote>

<script async="" src="https://platform.twitter.com/widgets.js" charset="utf-8"></script>

<blockquote class="twitter-tweet">
Americans are helping the Chinese with their English homework in the comments of RedNote😭 <a href="https://t.co/phHLUsG0TY">pic.twitter.com/phHLUsG0TY</a>
&mdash; Massimo (@massmandato) <a href="https://twitter.com/massmandato/status/1878888591537111360?ref_src=twsrc%5Etfw">January 13, 2025</a></blockquote>

<script async="" src="https://platform.twitter.com/widgets.js" charset="utf-8"></script>

<blockquote class="twitter-tweet">
Since TikTok might get banned, I joined the Chinese app Xiaohongshu instead. THEYRE SO FUNNY OVER THERE LMAO <a href="https://t.co/U5iwIARSvt">pic.twitter.com/U5iwIARSvt</a>
&mdash; Gina Darling (@MissGinaDarling) <a href="https://twitter.com/MissGinaDarling/status/1878653687192842562?ref_src=twsrc%5Etfw">January 13, 2025</a></blockquote>

<script async="" src="https://platform.twitter.com/widgets.js" charset="utf-8"></script>

<blockquote class="twitter-tweet">
american tiktok users installing a chinese app (rednote) directly on their phone bc of the tiktok ban is hilarious <a href="https://t.co/F9rfqarCLv">pic.twitter.com/F9rfqarCLv</a>
&mdash; 🐻&zwj;❄️⁷ is happy (@userbfIy) <a href="https://twitter.com/userbfIy/status/1878768303696699565?ref_src=twsrc%5Etfw">January 13, 2025</a></blockquote>

<script async="" src="https://platform.twitter.com/widgets.js" charset="utf-8"></script>

<blockquote class="tiktok-embed" style="max-width: 605px; min-width: 325px;" cite="https://www.tiktok.com/@idkmichaelll6/video/7459476944736816426" data-video-id="7459476944736816426">
<section><a title="@idkmichaelll6" href="https://www.tiktok.com/@idkmichaelll6?refer=embed" target="_blank" rel="noopener">@idkmichaelll6</a> Ima miss y&rsquo;all man <a title="fypシ" href="https://www.tiktok.com/tag/fyp%E3%82%B7?refer=embed" target="_blank" rel="noopener">#fypシ</a> <a title="foryou" href="https://www.tiktok.com/tag/foryou?refer=embed" target="_blank" rel="noopener">#foryou</a> <a title="viral" href="https://www.tiktok.com/tag/viral?refer=embed" target="_blank" rel="noopener">#viral</a> <a title="♬ original sound - alex" href="https://www.tiktok.com/music/original-sound-7313321369772854048?refer=embed" target="_blank" rel="noopener">♬ original sound - alex</a></section>
</blockquote>

<script async="" src="https://www.tiktok.com/embed.js"></script>

If you&rsquo;re looking for a guide on how to navigate RedNote (also known as XHS), the video below offers a helpful walkthrough. Pay particular attention to the closing section, where the creator advises viewers to respect the platform and exercise caution in how they share or search for content.
<blockquote class="tiktok-embed" style="max-width: 605px; min-width: 325px;" cite="https://www.tiktok.com/@xiranjayzhao/video/7459867790082657541" data-video-id="7459867790082657541">
<section><a title="@xiranjayzhao" href="https://www.tiktok.com/@xiranjayzhao?refer=embed" target="_blank" rel="noopener">@xiranjayzhao</a> <a title="rednote" href="https://www.tiktok.com/tag/rednote?refer=embed" target="_blank" rel="noopener">#rednote</a> tips and tricks from your Chinese spy!! 🤗 (Red Note Tutorial) <a title="xhs" href="https://www.tiktok.com/tag/xhs?refer=embed" target="_blank" rel="noopener">#xhs</a> <a title="xiaohongshu" href="https://www.tiktok.com/tag/xiaohongshu?refer=embed" target="_blank" rel="noopener">#xiaohongshu</a> <a title="♬ original sound - Xiran Jay Zhao" href="https://www.tiktok.com/music/original-sound-7459867817709161221?refer=embed" target="_blank" rel="noopener">♬ original sound - Xiran Jay Zhao</a></section>
</blockquote>

<script async="" src="https://www.tiktok.com/embed.js"></script>

For now, the future of TikTok remains uncertain. While the app may not disappear overnight, its potential ban could signal the beginning of a new chapter for social media platforms. As US users flock to RedNote and embrace a new digital world, it remains to be seen whether these platforms will thrive in the long run or face the same fate as TikTok, caught in the crossfire of political and geopolitical tensions.
Ultimately, as both creators and governments grapple with the realities of data privacy, censorship, and freedom of expression, one thing is clear: the landscape of digital influence is shifting, and RedNote may be just the beginning of a new era of social media. Whether this shift is a temporary trend or a lasting movement remains to be seen, but one thing is certain &mdash; the digital space is becoming more interconnected, for better or worse.
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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Despite the language barrier, it looks like everyone on the app is now vibing and learning from one another.

ea7eaccb39171b6347e357df977e1c11a7aa4b7e51a0703e5e2abdf674ac13c5

The TikTok Exodus: How 'RedNote' Is Becoming The New Digital Playground For US Users

The debate surrounding police access to mobile phones has sparked widespread discussion in Malaysia. With mobile devices playing an integral role in our daily lives, concerns about privacy and the potential for misuse of authority have come to the forefront. Inspector-General of Police (IGP) Tan Sri Razarudin Husain recently addressed this issue, clarifying the legal framework that empowers police to inspect mobile phones.
Meanwhile, activists like former MP Lee Lam Thye have called for more stringent regulations to ensure personal data is protected from abuse. Here&rsquo;s a closer look at both sides of this critical issue.
The Police&rsquo;s Legal Framework for Phone Inspections
<img src="https://r2.myc.my/d96b3b2543dfe545686456c505f066dae8ac9b232b4cfe173cc434c01431ce87" />
According to IGP Razarudin, Malaysian law provides a solid foundation for police officers to inspect mobile phones when there is suspicion or evidence of criminal activity. These powers are granted under several legal provisions, including:
<ul>
<li>Section 23(1) of the Criminal Procedure Code (CPC): Enables officers to prevent the possession or dissemination of obscene, offensive, or threatening content.</li>
<li>Section 233 of the Communications and Multimedia Act 1998 (AKM): Addresses the use of digital platforms for offensive communications.</li>
<li>Section 249 of the AKM: Authorises access to computerised data, including mobile phones, during investigations.</li>
<li>Section 116B of the CPC: Specifically grants police the right to access electronic devices when linked to criminal investigations.</li>
<li>Section 20(g) of the Police Act: Empowers officers to request information from individuals during inquiries.</li>
<li>Section 292 of the Penal Code: Criminalises the possession of obscene materials, enabling police to make arrests without a warrant.</li>
</ul>
Additionally, under the Open Gambling Houses Act 1953, possessing or using mobile applications for online gambling constitutes a criminal offence, allowing warrantless arrests.
Razarudin emphasised that only officers ranked Inspector or higher are authorised to conduct such checks, ensuring some level of oversight. He also explained that phones might be seized without a warrant in urgent situations where delays could lead to evidence being destroyed or tampered with.
The IGP further clarified that police may inspect phones if a police report has been filed, the individual is under investigation, or there are grounds for reasonable suspicion of involvement in criminal activities. Refusing to cooperate with such requests could result in arrests for obstructing justice.
Concerns About Potential Abuse of Power
<img src="https://r2.myc.my/23152873f20adfd32b2e1850189a96f533c80ca70a5b2a7df081040cbbdc2d7f" />
While these laws grant significant authority to law enforcement, concerns about misuse have led to calls for reform. Former MP Lee Lam Thye has raised important questions about the potential gaps in these legal provisions, which, if left unchecked, could pave the way for abuse.
Lee highlighted the need for clearer guidelines, suggesting measures to ensure transparency and accountability:
<ul>
<li>Mandatory Warrants: Requiring judicial approval before police can access mobile phone data, creating an additional safeguard.</li>
<li>Independent Oversight: Establishing an independent body to oversee police actions involving private data, ensuring impartiality.</li>
<li>International Benchmarking: Studying models from countries like those in Europe, where clear laws mandate the need for warrants and reasonable suspicion before accessing digital devices.</li>
</ul>
&ldquo;Loopholes in the existing laws could lead to abuse, undermining public trust,&rdquo; Lee remarked. He stressed the importance of balancing the need for effective law enforcement with the protection of individual rights.
The Public's Role in Shaping Privacy Laws &amp; The Need For Common Ground
The controversy has also sparked broader conversations about data privacy, accountability, and the role of technology in modern policing. While the police argue that access to mobile phones is crucial for tackling crime, critics point out that unchecked authority could erode personal freedoms.
Many believe that public awareness and engagement are vital to shaping fair and effective laws. By understanding the legal framework and voicing concerns, citizens can play an active role in advocating for policies that respect both privacy and security.
<img src="https://r2.myc.my/ec63169a020697f278d616a99fa7409da7709f9cbee12ec99743d479d441c46a" />
The issue boils down to a delicate balance between enabling law enforcement to perform their duties effectively and safeguarding the privacy rights of individuals. Without clear and transparent processes, public trust in the authorities could be compromised. On the other hand, overly restrictive measures could hinder investigations, allowing criminal activities to flourish.
As technology continues to evolve, these challenges will only grow more complex. It&rsquo;s essential for lawmakers, law enforcement, and civil society to collaborate in refining these laws. Establishing safeguards such as judicial oversight, independent review mechanisms, and clear procedural guidelines can help ensure accountability while maintaining public safety.
A Path Forward
In the end, the question remains: how do we strike the right balance between protecting individual privacy and enabling effective crime prevention? Addressing this question will require ongoing dialogue, both within Malaysia and internationally, as countries grapple with similar challenges.
Ultimately, the goal should be to create a legal framework that not only supports law enforcement but also respects the rights of the people. Transparency, accountability, and public engagement will be the cornerstones of achieving this balance&mdash;ensuring that both justice and privacy are upheld in equal measure.
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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According to the IGP, only those who are inspectors or above have the authority to check your phones. 

c6f43ce2cb963ad01b74b88b1731452eb25a74364c8bc978b7ee7e1a782ae0bd

Can The Police Access Your Phone? Balancing Authority And Privacy

In Malaysia, one of the most pressing concerns for social media users is the credibility of what they come across online. Over the past five years, Malaysians have unfortunately become some of the most frequent victims of scams, with a staggering RM11.23 billion collectively lost to fraudsters, according to Bukit Aman&rsquo;s Commercial Crime Investigation Department (CCID) Director, Datuk Seri Ramli Mohamed Yoosuf.
To put this into perspective, RM11.23 billion could buy an astounding 4.5 billion packets of instant noodles&mdash;enough to last a lifetime&mdash;or 636 million ala carte 3-piece Ayam Goreng McD meals, which would be more than enough to feed a nation or two.
In 2020, the Malaysian police dealt with 27,323 scam cases, but by 2024, that number had jumped to 41,701&mdash;an increase of 53.2%. The breakdown of scam types in 2024 paints a worrying picture of the range of deceit:
<ul>
<li>Fraud cases: 37,240 (RM2.45 million lost)</li>
<li>Trust-related scams: 1,448 (RM546.39 million vanished)</li>
<li>Illegal lending: 1,060 (RM5.29 million disappeared)</li>
<li>And many more&hellip;</li>
</ul>
Scammers have a wide array of tricks up their sleeves, and some of the most popular scams include:
<ul>
<li>Phone scams (14,684 cases): Apparently, there are still princes out there who need help moving millions.</li>
<li>E-commerce scams (7,662 cases): That too-good-to-be-true PS5 deal? Yep, it was.</li>
<li>Fake investment schemes (6,337 cases): Your neighbour&rsquo;s cousin&rsquo;s friend is not a crypto genius.</li>
<li>Love parcel scams (770 cases): Because romance scams needed a trendy upgrade.</li>
</ul>
Can Malaysia&rsquo;s Social Media Licensing Stop The Scams?
<img src="https://r2.myc.my/178fa507ab50c3a8693e227f3e590cdd4bdf8d036d7590732fef35cff2a25e8a" />
Meta, the parent company of Facebook, Instagram, and WhatsApp, is facing criticism for allowing scam advertisements on its platforms that misuse the image of the Yang di-Pertuan Agong, Sultan Ibrahim. These fake ads, some impersonating reputable Malaysian media outlets like The Star, are a violation of both Meta&rsquo;s own advertising policies and Malaysian laws.
This controversy arises amidst Meta&rsquo;s struggle to comply with Malaysia&rsquo;s newly implemented social media and instant messaging regulations, which aim to curb harmful online content.
Meta&rsquo;s Content Moderation: A Troubling Gap
<blockquote class="twitter-tweet">
Reported about these sort of scams before and got a response that it wasn&rsquo;t against their rules 🤷&zwj;♂️ <a href="https://t.co/jfWgLd2jyz">pic.twitter.com/jfWgLd2jyz</a>
&mdash; Hadi Azmi (@amerhadiazmi) <a href="https://twitter.com/amerhadiazmi/status/1877557856318402958?ref_src=twsrc%5Etfw">January 10, 2025</a></blockquote>

<script async="" src="https://platform.twitter.com/widgets.js" charset="utf-8"></script>

Despite boasting advanced AI systems to monitor content, Meta has gained a reputation in Malaysia for failing to prevent scam ads that exploit the identities of public figures and brands. Screenshots shared by journalist Hadi Azmi reveal Meta-approved advertisements that spread fake news using images of the King.
While Meta is reportedly close to obtaining its Application Service Provider (ASP) licence to comply with Malaysian regulations, its current moderation practices suggest a business-as-usual approach. This leniency has sparked concerns about the platform&rsquo;s commitment to safeguarding users from online scams.
<img src="https://r2.myc.my/1b95f2c5e4b257d7c8e5aa46647680b88bb16b5622e29b0356c31d0cf7ecb345" />
Meta had also recently announced changes to its content moderation approach. CEO Mark Zuckerberg revealed plans to phase out the third-party fact-checking programme in favour of a "Community Notes" model, inspired by X (formerly Twitter). The company claims this move will foster greater free speech while prioritising enforcement of illegal and severe violations.
However, critics argue that this shift shifts the responsibility for moderation onto users, leaving gaps in addressing critical issues such as online scams and crimes against children. This hands-off approach raises questions about Meta&rsquo;s readiness to tackle pressing online harms effectively.
Are Malaysia&rsquo;s Social Media Regulations Effective?
<img src="https://r2.myc.my/42aadadeba775e967ea3e10a6f32c687ba3d5e4a0d74c7a335191547c043a9a0" />
Under Malaysia&rsquo;s new social media regulations, platforms with over 8 million Malaysian users must obtain an ASP licence from the Malaysian Communications and Multimedia Commission (MCMC) by 1st January 2025. Non-compliant companies risk fines of up to RM500,000, imprisonment of up to five years, or both.
Despite these measures, Meta has yet to demonstrate concrete efforts to address scam advertisements. Reports indicate the platform generates over RM2.5 billion annually from Malaysian users but has failed to implement adequate safeguards against scammers exploiting its services.
Communications Minister Fahmi Fadzil recently criticised Meta&rsquo;s inaction, highlighting that Malaysians have collectively lost RM432 million through scams linked to Facebook. While Malaysia has no plans to block non-compliant platforms, this leniency contrasts with Indonesia&rsquo;s stricter approach, where platforms must respond to takedown requests for unlawful content within four hours or face the risk of being blocked.
The State of Compliance Among Platforms &amp; Moving Forward
<img src="https://r2.myc.my/e87a265422603687a9d59da9a6ad9d971cc9aa0be9d24dabf49750b17f0615e4" />
Read: <a href="https://myc.my/articles/4032/malaysias-new-social-media-licensing-framework-which-platforms-have-applied">Malaysia&rsquo;s New Social Media Licensing Framework: Which Platforms Have Applied?</a>
As of now, only WeChat (Tencent), TikTok (ByteDance), and Telegram have secured their ASP licences in Malaysia. Meta remains among the platforms lagging behind, raising concerns about whether the current regulations can compel such tech giants to adopt meaningful changes.
Meta&rsquo;s failure to effectively curb scam ads and fully comply with Malaysian regulations underscores the ongoing challenge of holding tech giants accountable in today&rsquo;s increasingly digital world. With Malaysians collectively losing significant sums to online scams, it is clear that stronger enforcement and more prompt action are crucial for ensuring user safety moving forward.
The widespread nature of these scams further highlights the urgent need for increased awareness and vigilance online. With so many falling victim to fraudulent schemes, the scale of the issue is undeniable, and more robust measures must be implemented to safeguard Malaysians from these digital threats.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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M’sians have already lost RM11.23 billion to scams, and this number is likely to rise if proper action isn’t taken.

1afda28021876ed812cbb6d19077bd228c7db194736f805fa7fd3feda4a66ec8

Meta Under Fire For Scam Ads Featuring Malaysian King: Is Social Media Licensing The Solution?

Online banking has become a staple of modern life, offering unparalleled convenience. However, it also comes with increasing risks, particularly the threat of online scams targeting unsuspecting users. To address these concerns, Maybank has introduced Money Lock, a revolutionary feature available on its MAE App. This first-in-Malaysia counterfraud security measure builds on its successful launch in Singapore in mid-2024, offering customers greater control and peace of mind over their finances.
What is Money Lock and How Does It Work?
<img src="https://r2.myc.my/1eae70dafb6e7ae67d8503a07bfaa576ed276e0777b1f73305e714cc952141f7" />
At its core, Money Lock allows customers to secure funds in their savings or current accounts, preventing these funds from being accessed digitally. With the ability to lock amounts ranging from RM10 to the total account balance, customers can tailor their security needs to their preferences.
Activating Money Lock is seamless and user-friendly. Through the MAE App, users can select the account and amount they wish to secure. Once activated, the locked funds remain inaccessible for digital transactions such as online transfers, ATM withdrawals, debit card payments, bill payments, and more. Importantly, the locked funds continue to earn the same interest or profit rates as the rest of the account balance.
If the need arises to unlock or reduce the locked amount, customers can do so by visiting any Maybank ATM or branch for a quick and secure verification process. This added step ensures that only authorized users can access the locked funds, enhancing security further.
Who Can Benefit Most from Money Lock?
Money Lock is designed with all customers in mind but is particularly beneficial for individuals who may be more vulnerable to online scams, such as senior citizens or those less familiar with digital banking. By providing a straightforward way to secure funds, the feature offers an extra layer of protection to those who need it most.
A Multifaceted Approach to Fraud Prevention
Money Lock is one component of Maybank&rsquo;s comprehensive strategy to combat online fraud. The bank has introduced several other measures to safeguard its customers, including:
<ul>
<li>Secure2u Authentication: A safer alternative to SMS OTP, reducing the risk of SMS TAC fraud.</li>
<li>Device Restriction: Limiting online banking access to a single device per customer to prevent unauthorized use.</li>
<li>Cooling-Off Periods: Enforced for payment and transfer limit changes or Secure2u activation on new devices.</li>
<li>Malware Shielding: Built into the MAE App to detect and block malicious software.</li>
<li>ATM-Based Secure2u Activation: Adding an additional layer of control and security.</li>
<li>24/7 Fraud Support Hotline: Dedicated assistance for customers who suspect fraudulent activity.</li>
<li>With these measures, Maybank is proactively addressing evolving fraud tactics, ensuring that customers can bank with confidence.</li>
</ul>
How Does Money Lock Enhance Security?
<img src="https://r2.myc.my/bbd2c3999f7cc569a6aac93123d0fe92513b816bf8fcc52bea398986bc01dd2d" />
Locked funds are shielded from all digital transactions, including:
<ul>
<li>Online banking transfers.</li>
<li>ATM withdrawals.</li>
<li>Debit card usage.</li>
<li>Payments for bills, credit cards, or loans.</li>
<li>Fixed deposit placements.</li>
<li>Standing instructions or recurring payments.</li>
</ul>
This ensures that even in the unlikely event of unauthorized access to your account, the locked funds remain untouchable.
How to Activate Money Lock?
<img src="https://r2.myc.my/543ae756cfdf3b68accc02693bd766bcce3c148e97f8fdebfbcf19bd7bdf2e4c" />
Activating Money Lock is quick and straightforward. Follow these steps to enable this innovative security feature:
<ol>
<li>Open the MAE App and navigate to the &ldquo;Accounts&rdquo; tab.</li>
<li>Select the desired savings or current account to secure.</li>
<li>Click on the Money Lock icon, choose the amount to lock, and review the summary page.</li>
<li>Approve the activation via Secure2u.</li>
</ol>
Unlocking funds is equally straightforward but requires a visit to a Maybank ATM or branch to complete a secure verification process.
Why Financial Planning Matters
<img src="https://sharpefinancials.com/service/Financial%20palnner.gif" />
While Money Lock provides an effective safeguard, Maybank encourages users to carefully plan their finances before enabling the feature. Ensure that sufficient funds are available for essential transactions and upcoming commitments to avoid disruptions.
A Step Forward in Digital Banking Security
<img src="https://r2.myc.my/2ff2dfc045eb09ad481bf9ef64b34251ec94624e091f70fb05fe045a2df406f4" />
Group CEO of Maybank Community Financial Services, Syed Ahmad Taufik Albar, underscored the importance of this feature, stating that it reflects Maybank&rsquo;s commitment to customer safety and confidence. &ldquo;With Money Lock, Maybank is the first bank in Malaysia to empower customers to digitally lock funds in their savings and current accounts. This innovative tool enhances security and empowers users to conduct online transactions without fear of scams.&rdquo;
Maybank&rsquo;s leadership in digital banking innovation is evident through its comprehensive fraud prevention measures and the introduction of Money Lock. Customers can now embrace the convenience of online banking with greater assurance that their funds are secure.
To learn more about Money Lock and its benefits, visit <a href="https://www.maybank2u.com.my/maybank2u/malaysia/en/personal/security_alert/money-lock.page">maybank.my/MoneyLock</a>.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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Make smarter financial choices—protect your hard-earned money from scams.

039b9fb536ec723abb0b13b5f62b7698d9610912e9ec017f49a3ba70d254d947

Secure Your Funds From Scams: Introducing Maybank's Money Lock Feature

Bank Negara Malaysia (BNM) has released a draft proposal outlining key reforms for personal financing practices, including abolishing the controversial Rule of 78 interest calculation method and reclassifying certain home financing products under stricter terms. The move aims to ensure fairer lending practices, greater transparency, and financial stability, particularly in light of rising household debt concerns.
Abolishing the Rule of 78 and Flat Rate Interest
<img src="https://r2.myc.my/768c4ceba9f377ef78449d13331fa9bb96d099c1777489eeea6bd59ea9704682" />
The Rule of 78 has long been criticized for its unfair interest calculation. Under this method, a loan's total interest is pre-calculated based on the original principal, meaning borrowers do not enjoy interest savings even if they settle their loans early. BNM's proposal seeks to eliminate this method for personal financing, a change that aligns with broader efforts to reform lending practices, including amendments to the Hire Purchase Act 1967, set to be tabled in Parliament in early 2025.
Going forward, financial service providers (FSPs) will be restricted to offering personal financing products that calculate interest using either:
<ul>
<li>A fixed or floating rate; or</li>
<li>Interest charged on the remaining principal balance after payments toward the principal are deducted.</li>
</ul>
FSPs will be required to disclose the effective interest rate (EIR), the total repayment amount, and detailed explanations of interest calculations (e.g., daily or monthly reducing balance methods). For floating-rate loans, providers must also explain the conditions for interest rate adjustments, their impacts, and the option for customers to maintain original instalment amounts.
Home Financing Products Reclassified as Personal Financing 
<img src="https://r2.myc.my/ee6941c85768329071803d9f3287d7a16568ddf6abf968f39546cd7dc79515a7" />
In a major shift, BNM proposes to treat specific types of home financing products as personal financing and cap their tenure at 10 years. This applies to cases where:
<ol>
<li>Additional financing exceeds the outstanding amount on a refinanced home loan.</li>
<li>Extra financing is taken beyond the original loan amount after partial repayment.</li>
<li>Financing is secured by a property with no existing mortgage.</li>
</ol>
To prevent misuse, FSPs will need to verify the actual purpose of the financing by requiring supporting documents. Exceptions to the 10-year cap include financing strictly for:
<ul>
<li>Renovations.</li>
<li>Mortgage-reducing term assurance (MRTA) or takaful.</li>
<li>Legal fees, education, or business purposes.</li>
</ul>
Additionally, the cap does not apply if the new financing amount, combined with the outstanding balance, does not exceed the original loan amount and tenure, or if it involves pre-paid amounts or extra repayments.
Addressing Household Debt and Reducing Loan Tenures 
<img src="https://r2.myc.my/2175950407c42094a9d395847c76c7736a7a1bd9c653fcdb674d4258a95b4d79" />
BNM is also seeking public feedback on whether the maximum tenure for personal financing should be reduced further to seven years, as practiced in other countries like Australia and Singapore. Currently, Malaysia allows a maximum of 10 years.
The proposal comes in response to growing concerns over household debt levels. As of end-2023, Malaysia's aggregate household debt stood at RM1.53 trillion, with 12.6% attributed to personal financing. Alarmingly, personal financing accounted for 46.26% of total bankruptcy cases in 2023, while 32.8% of loans under the Debt Management Programme managed by Agensi Kaunseling dan Pengurusan Kredit (AKPK) also comprised personal financing.
BNM emphasizes that shorter tenures encourage responsible borrowing and reduce long-term financial risks. The central bank is now inviting feedback from the public and industry stakeholders on the proposed tenure reduction, its feasibility, and potential challenges.
The Future of Lending in Malaysia
These proposed changes reflect BNM's commitment to improving transparency, responsible lending, and protecting borrowers from predatory financial practices. By abolishing outdated methods like the Rule of 78 and capping tenures for personal financing, BNM hopes to strike a balance between consumer affordability and long-term financial stability.
Public feedback on the draft proposal is open until February 14, 2025, and can be submitted electronically through <a href="https://forms.office.com/r/HFWD3UZFEf">BNM&rsquo;s official feedback form</a>. This initiative marks a significant step toward fostering a healthier lending ecosystem in Malaysia.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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Are these changes the key to tackling rising household debt? Let’s find out.

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Bank Negara Malaysia Proposes Major Reforms In Personal & Home Financing Rules For Early Repayers

Do you frequently use eWallets, especially the Touch &lsquo;n Go eWallet? If so, take note&mdash;updating your account credentials will soon be mandatory to ensure uninterrupted access to the platform.
Security at the Forefront: Why eKYC Matters
<img src="https://r2.myc.my/fbb198eef9536035a0592b6fa04ac55087b3534eccc941d2c5d41a98b111d89f" />
Touch &lsquo;n Go Digital Sdn Bhd (TNG) is urging its eWallet users to complete account verification before December 20, 2024, to enhance security and ensure seamless access to services. With over 28 million registered users, more than 22 million have already completed the eKYC (electronic Know Your Customer) process, leaving millions yet to comply with the mandate.
For those who don&rsquo;t know, eKYC, a straightforward digital verification process, requires users to upload a photo of their ID (such as MyKad or MyTentera) and a selfie for facial recognition via the TNG eWallet app. This step aims to strengthen the platform&rsquo;s security by mitigating risks such as fraud, unauthorized access, and mule accounts. Verified users also gain access to additional benefits, including the Money-Back Guarantee and full feature functionality.
What Happens If You Don&rsquo;t Verify? 
<img src="https://r2.myc.my/0d9d27b3d89febcbdd6aeb5a1f09ef048c12f15981bc89d8330d2cc185e6898a" />
From December 20, 2024, unverified users will face restrictions when trying to use the app. Non-verified accounts will receive prompts urging them to complete verification. Failing to comply for an extended period will lead to account suspension. However, TNG ensures users&rsquo; funds remain secure&mdash;unverified users can request refunds for their remaining eWallet balances if they decide to discontinue using the platform.
For new users, account verification will be mandatory upon registration starting December 20, 2024. TNG emphasizes the importance of protecting verified users and maintaining a trusted digital ecosystem.
Guided Support for a Smooth Verification Process
&nbsp;<iframe src="https://www.youtube.com/embed/U-DOrmlpJqc?si=i-lXopDysa5sB3mI" width="560" height="314" allowfullscreen="allowfullscreen"></iframe>
TNG has made the verification process simple and accessible. Users can refer to the comprehensive guides on the TNG website, FAQs, and a step-by-step video tutorial. For additional assistance, the eWallet Careline is available daily from 7:00 AM to 10:00 PM at +603-5022 3888. Alternatively, users can visit TNG Sales &amp; Service Centres at Bangsar South or Nu Sentral for in-person support.
Completing your eKYC is more than just a requirement&mdash;it&rsquo;s a vital step in safeguarding your digital transactions. Don&rsquo;t wait until the last moment; verify your account today to enjoy secure, uninterrupted services and peace of mind.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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Only 4 days left! Complete your verification now to avoid restrictions. 

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TNG Urges eWallet Users To Complete eKYC Verification Before Facing Restrictions Starting December 20

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.