Factors To Consider During Your Car Insurance Renewal

If you have a car, you would have to undergo a car insurance renewal process every year. While it is fairly straightforward, there are certain aspects you could check in on from time to time in order to save money and get the best insurance value for your car.

Save money doing it yourself or have an agent do it for you

If you engage an insurance agent, all you’ll have to do is provide him with the relevant documentation and pay accordingly. He’ll do all the running around for you, so you can spend your precious time doing things that you enjoy.

The cost of your premium is determined by the current value of your car, its condition, and the type of coverage you decide to get. Typically, your agent would also renew your road tax and deliver it to you.

But know that nothing is free. It may cost a little more because the agent would receive a cut for his services.

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Some things to consider during your car insurance renewal:

Insure your car at the right value

You should always insure your car at its current market value. If you under-insure it, you’re liable for the difference that may arise when an accident occurs. You would only be compensated up to the sum in which you insured your car for, and may have to cough up the rest.

However, if you over-insure your car at an amount that is higher than its current value, you will still only receive compensation for its actual market value; not the amount you insured it for. Why? As a policy owner, you’re not allowed to profit from an insurance claim. Which is why it’s best for you to familiarise yourself with the market price of your car.

How to determine your car’s market value

You should make an effort to know the current market value of your car prior to your car insurance renewal each year. That amount won’t be the same because the value of your car depreciates each year.

Bear in mind there are no fixed rates when it comes to car market values. Each insurance provider has different valuations, based on their own method of calculations.

Itching to find out? Ask AIG about the market value of your car at https://www.aig.my/personal/auto-insurance now.

How do you travel solo as a female?

If you’ve ever had thought about traveling alone, there’s no reason why you shouldn’t. Excuses, like it’s dangerous or being a female, isn’t valid as long you have the right attitude.

Here are some tips if you plan to travel around the world as a female solo traveler:

Duplicate your documents

There’s no guarantee you will not lose your documents to thieves or unforeseen situations. Make copies of your passport, identity card, and travel insurance documents and put them in all of your bags. Make use of your smartphone and keep digital copies in them as well.

Trust your guts

When your mind is giving you warning signals, it’s not you having paranoia. More often than not, your intuition is right, and you should listen to it. The best thing is, your sense will only become more heightened after you travel more alone than when you’ve just started.

travel insurance malaysia rhb

Learn to say no

If you don’t feel like taking another drink, or if you’re not interested in a particular activity, don’t be afraid to say no. There’s no shame in walking away and don’t feel like you’re disappointing anyone. Don’t give in to peer pressure as your safety should be your priority.

Talk to the locals

It’s important to do some research on the location you’re traveling to, but sometimes the locals have more valuable information than the internet. After all, they’re living there and speak from experience. Get advice from locals about scams, safety tips, and what to do around the area.

Have a whistle and a dummy wallet

Dummy wallets work great as a diversion if you’re facing a robber. Keep a bit of cash and canceled credit cards in this dummy wallet to keep your real documents safe. Whistles are also an excellent way to grab people’s attention when you’re in a sticky situation.

Don’t walk alone at night

In some countries, it’s safe to walk alone in the dark, but some are not. It all depends on where you’re traveling. Our advice is not to risk it. If you have to go out, get a trusted individual to accompany you.


Traveling solo shouldn’t be a scary thing to do, even if you’re a female. The best scenario is not to face any unfortunate events, but in case it happens, it’s good to have yourself travel insurance.

Visit https://www.rhbgroup.com/products-and-services/personal/insurance/insurance/personal-insurance/travel-insurance/travel-protection-plus-insurance to get one!


What to Feed Your Kids Every Day

How your kid eats every day can have a huge impact on their growth. By feeding your kid a healthy balanced diet according to the food pyramid for kids, you are ensuring that they are getting all the essential nutrients that they need for healthy growth and development.


Here are the foods you should feed your kids every day for their growth and development:



Feeding your kids grains is important, and at least half of the grain servings should be whole grain such as whole wheat or oatmeal. Whole grains are important sources of many nutrients like Vitamin E, magnesium, and fiber. It helps to reduce your kids’ risk of diabetes and asthma.


If your kids are struggling to adapt to the transition, you can start feeding them bread or pasta that are made with a mix of refined and whole grains. Your kids might not be able to notice the difference.  

food pyramid for kids

Healthy Fats

Fat is an important part of a healthy diet, and it helps a kid’s body grow, build hormones, and provide Vitamin E. However, not all kinds of fat is good for your kids.


Unsaturated fats such as the kind of fats in salmon fish and canola, protect kids’ hearts by maintaining their cholesterol level low. On the other hand, saturated fats such as the kind of fats found in butter and cheese will raise blood cholesterol levels and increase the chances of getting heart disease.


Fruits and vegetable

Preferably, you will divide the servings equally between fruits and veg. If your kid is a picky eater, set this minimum goal: at least one serving of orange or dark-green veggies every day.

These veggies have different disease-preventing compounds. And take comfort that tomato sauce, salsa or baked fries can be included as your child’s veggie servings as well.

Dairy and added calcium

If your kids love to drink milk, it is not hard for them to get at least 800 milligrams of calcium they need every day for strong bones and teeth. Or else, you can feed them low-fat yogurt, cheese or fortified fruit juice. Search for products that contain Vitamin D, which can help kids absorb calcium.


Lean Protein

Protein is an important nutrient to help build and repair every tissue in your kids’ body. They must also consume food with nutrients like Vitamin B, zinc or iron. Feed your kid lean meats such as Cornish hens, turkey or skinless chicken.


You should also feed your kid fish and beans at least twice a week because fish and beans have nutrients that cannot be found in lean meat.


Good nutrition is important for your kids’ growth and development, not only physically but mentally too. To learn more about a complete and balanced nutrient, visit https://pediasure.com.my/balancedNutrition/food_pyramid now!


5 Tips To Raise a Smart Child

Your child’s brain is like a blank slate when they are born. It starts to develop as your child encounter different experiences. The growth of a child’s brain happens in correspondence with the actions and experiences of their surroundings.


Here are five suggested tips to raise a smart child:


Praise your children for their effort, not their intelligence

We live in a society full of participation awards, but letting your kids know that they’re always best at everything makes it hard for them to accept life’s inevitable disappointments and failures.


Instead of praising their intelligence, praise their efforts and hard work. By doing so, you can motivate your child to move forward when they encounter failures. Make sure don’t over-praise your kid without any reasons.

raise a smart child

Encourage your child to think through issues and solve problems

Instead of providing a solution for your children’s problem for them, you should teach them to focus on a single goal or problem and think of ways to achieve the goal or solve the problem through critical and creative thinking.


This act both stimulates the brain and teaches them that they are capable of working through obstacles on their own.


Crack the books early

Reading is a huge predictor of school success, so you should start reading with your child long before they understand what the words mean. Reading stimulates the brain, builds a knowledge base, and acts as the foundation of all future learning.


Ensure books are easily accessible in your house, make reading a habit by making sure your kid sees you reading often, and engage with your kids while reading. Help your child build conversational and reading comprehension skills.

Read with your kids, not to them

When you read to your child, don’t let them purely stare at the book while you do all the reading. You should point the words to them, and point to the illustrations while you read to them.


When reading is shared between you and your kid, it builds early literacy ability, even among children with disabilities.


Introduce music to your child

You may have realized that your child will take longer to learn a school lesson, but quickly memorize the song they love. It’s a simple example of growing intellect when children listen to music.


Music boosts attention, motivation, learning, and memory. It helps to build patience for listening as well. You may bring your child to musical instruments lesson, and it helps to develop spatial-temporal reasoning and proportional thinking.


The first few years of a child’s life is the prime time for learning. Learn more about how your child can be smart in more ways, visit https://abbottnutrition.com.my/child-development/Child-Smart-More-Ways!


Facts On Abbott Nutrition’s Products

Parents are generally spoilt for choice when considering getting nutrition supplements for his or her kid. You will discover just too many available. Exactly how do you make sure that your kids receive the right balance of nutrition during their childhood? Here, I will provide you with a factual review of Abbott Nutrition products, that will help you make that important decision.

Becoming familiar with Abbott Nutrition’s Products


Most of the children are picky eaters. As it is pretty common today for folks to have trouble ensuring their children get an adequate level of daily nutrients, Pediasure may serve as the appropriate supplement to make up with the insufficient dosage. Getting your kids the right amount of daily nutrition required is significant to help them prevent diseases.

Pediasure contains 50% more calories and is also filled up with magnesium, zinc, copper, selenium, chromium, Biotin and Vitamin A and B12, which are best for not simply the physical growth and development of your son or daughter but in addition their mental development. An appropriate blend of nutrition for your kids will surely increase their health.

picky eaters


This formula milk is manufactured specifically to reinforce children’s learning abilities. It is brimming with DHA, lutein, ARA, choline, natural vitamin E, and many other key nutrients that are imperative to enable more brain cell connections. The formula is highly well suited for kids between One to ten years of age.

Similac helps you to support a baby’s overall growth which includes their brain, eye, and defense mechanism. The results of each and every ingredient are; DHA assists in the improve brain development, Lutein is a nutrient present in breast milk that is required for improving eye health. Vitamin E is essential for supporting cell development, Nucleotides may very well be the foundation for coming up with a strong body’s defense mechanism, Antioxidants helps to protect your baby’s cells with nutrients like vitamin C, E, and selenium. And finally, Prebiotics for encouraging digestive health for a stronger disease fighting capability.


For that older generation there’s definitely Ensure, Ensure serves as a formula for fragile adults having a low level of energy. Ensure contains nutritional essentials particularly Vitamin A and B12, niacin, selenium, chromium and more. As it is lactose-free, gluten-free and adjusted for the nutritional needs of adults, this formula makes a great supplement.

Ensure is not to be consumed by children as the proportion of the nutritional content is different. The product is recommended in hospitals for patients who are affected with certain illness and have undergone an operation that makes it hard for these to consume solid food. When blended with a fluid, this particular product may be consumed through a gastric tube in order to provide the patient’s daily nutritional needs.

To conclude, Abbott Nutrition is a manufacturer which offers the many nutritional capabilities that are required to assist you to develop babies, kids, and adults with their mental and physical growth. Pediasure aims to meet any nutritional gaps for young children aged between 1-10 that are generally fussy with their eating, Similac provides special nutrients to cultivate a baby’s cognitive skills and Ensure is targeted towards the older audience to those who were combating nutrition deficiency. For having a complete nutritional diet, think Abbott Nutrition. Visit the website now to get more information https://pediasure.com.my/GetGrowthonTrack/picky_eater

Psoriasis 101: Conditions and Facts Understanding

Despite affecting up to Two per cent of the modern world population, Psoriasis gets barely enough coverage leading to lots of mistaken belief. So the real question is, exactly what is psoriasis? Basically, it is merely an autoimmune illness that causes hyperinnervation of skin cells which causes skin patches to develop.

Having a Better Comprehension on Psoriasis

Inverse psoriasis is seen as red and smooth patches (not scaly) located within skin folds. Widely, you might find inverse psoriasis either near the genitals, abdominal folds, in your armpits, under the breasts or under the glutes. The symptoms can get even more serious if aggravated by sweat or skin constantly rubbing together.

Conversely, the erythrodermic psoriasis is known as a scarce condition where rashes could spread over large sections of your body. The patient’s skin becomes very inflamed and red, this is why it can also be termed as a red skin psoriasis. Body fever and chills may accompany the intense inflammation.

Psoriasis will have a huge influence over your quality of life as it will affect personal relationships, work and life in college perhaps. Also, its influence on both mental and physical processes are the same with other serious sonic diseases like diabetes, cancer, arthritis and even depression among other things. There are several types of psoriasis that one should know to have a better understanding of this disease. Get more details about this by visit this page at mypsoriasis.my/psoriasis-types-and-other-similar-skin-conditions

Whats The Difference?

Warning signs of psoriasis and eczema are incredibly similar in terms of how they cause the skin to check red, inflamed and itchy. Yet should not be confused with one another. The root grounds for eczema is allergy or intolerance, while psoriasis is undoubtedly an immune-mediated disease. Seek advice from a dermatologist to obtain an accurate medical diagnosis.

Development and research on psoriasis have given us a far better understanding of the illness. Until now, we haven’t found a cure to the disease. Psoriasis is genetic so you can’t prevent it either. For mild to moderate psoriasis, we depend upon medicines including immunosuppressive drugs, creams and ointment to take care of the unwanted symptoms.

types of psoriasis | Mypsoriasis

Many individuals avoid being near with psoriasis patients caused by bias and misconception. Let’s set the record straight that it can be perfectly safe to speak to a psoriatic patient. Psoriasis is non-contagious because doing so is due to a malfunction in your autoimmune system. Hence, it can be not possible for psoriasis to “spread” from one to another.

The society is often unwelcoming to psoriatic individuals. More often than not, most will stay away from the patient upon watching the visible skin symptoms. Such actions will seriously impair the self-esteem and confidence of a patient. Some of them will avoid social events and prefer to reside in the comfort of their home.

To modify public perception, we should raise awareness and clear the misguided beliefs about psoriasis. You will discover things we could do today to be sure that the patients get both mental and physical support they deserve. If you would like to gather more information and assist the cause, feel free to visit our website.