Maybank – First Bank To Introduce Online Appointment Management System, EzyQ

  • By CompareHero.my
  • October 6, 2020

Skip the queue and make branch appointments online through Maybank EzyQ, a newly launched online appointment management system created with the goal to enhance customer safety and convenience. Maybank is the first bank in the country to introduce such a facility for a full suite of banking services. 

“With the pandemic, we’ve had to change the way our branches operate and have been working on a solution that enables us to prioritise our customers’ safety and provide the level of service they expect of us,” said Maybank’s Group Chief Executive Officer, Community Financial Services, Dato’ John Chong. 

“This has led to the introduction of Maybank EzyQ, which we hope will bring better experience and convenience for our customers,” he added. 

With this new service, customers can now make appointments online ahead of their visits to branches or Premier Wealth Centres (PWCs) nationwide, conveniently and seamlessly via the Maybank2u website. 

Now you get the flexibility to choose your preferred date and time slot for the branch or PWC you wish to visit, as well as the services you would like to perform such as account opening, debit card enquiries, and product advisory. This ease helps reduce customer waiting time, and improve crowd management in the branch/centre for added safety.


Enjoy a more seamless banking experience with Maybank EzyQ (Image source: Maybank)

Currently in the first phase of implementation, customers will be able to use Maybank Easy to make appointments for close to 90 Maybank branches and PWCs nationwide. The Bank is progressively expanding the service to more branches and targets to roll out Maybank EzyQ to its entire branch network by early next year.

If you’re a Maybank customer, you can make an appointment via Maybank EzyQ as close as one business day in advance and up to 10 business days ahead of the scheduled date. Confirmation of the appointment is immediate and a follow-up email will be sent to the customer within the same day. A reminder email will also be sent one day before the appointment date.

While customers can still walk in without an appointment, the Bank encourages them to utilise Maybank EzyQ and make an appointment ahead to lessen waiting time and prioritise personal safety, especially in today’s COVID-19 world. 

You also get to schedule repayment for loans or financing via the Maybank EzyQ. In anticipation of additional applications, the Bank’s branches nationwide (except for those in the red zones and temporarily closed) will remain open until 7.00pm up to 9 October 2020.

Appointments can also be made for the following services, among others: 

  • Account opening services
  • Debit card issuance and replacements
  • Loan and investment advisory
  • Premier Wealth services


Customers may obtain more information and set up an appointment at www.maybank2u.com.my/ezyq

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4 Things We Love About The New AmBank Cash Rebate Visa Platinum Card

  • By CompareHero.my
  • October 5, 2020

The pandemic has brought about a different spending behaviour for many people. For one, most of us are doing our shopping online regardless of what we’re buying. Online shopping may have once been seen as a novel idea, but it is practically an essential in this New Normal.

We’re also becoming increasingly concerned over our health – we’re stocking up on our personal supply of masks, sanitisers, and vitamins, just to name a few.

With that being said, our friends at AmBank have recently introduced a brand new credit card – the AmBank Cash Rebate Visa Platinum Card – to suit the needs and behaviours of consumers in this era.

We took a quick look at what this card features, and here are 4 main reasons why we love it so much:

1. You can get up to 8% cash rebate on grocery, pharmacy & online spends

If you’re already spending, might as well get rewarded for it. The AmBank Cash Rebate Visa Platinum Card rewards you with up to 8% cashback when you use the card to pay for your online shopping purchases. This card cannot be any more ideal if you find yourself spending more time on Lazada and Shopee (or other online shopping sites!) than you do in a physical store.

The cashback reward is also yours to claim if you use the card to shop in supermarkets (i.e. Giant, Tesco, AEON Group, MYDIN, Village Grocer, Jaya Grocer, Cold Storage, Mercato, Econsave, Everrise & Servay) and pharmacies (i.e. Guardian, Watsons, Caring Pharmacy, GNC, Health Lane Pharmacy, AA Pharmacy, Big Pharmacy & AEON Wellness).

If you want to learn more about how the cashback rebate works, this table would be useful:

TierTotal Monthly Spend (RM)Cash RebateMonthly Capping per Category
1RM1,500 & above8%RM15
2RM500 – RM1499.991%RM5
3RM0 –RM499.990.10%Unlimited

Click here for full terms and conditions.

2. You can enjoy unlimited 10% interest rebate

Not to be confused with a cashback rebate, this card actually gives you a 10% rebate on your interest charges. This rebate is activated only if your retail spend accumulates at RM500/month.

If you’re not sure what that means, here’s a 101 on how it works.

Now, when you use a credit card, you will accumulate some debt. This is otherwise known as a ‘balance’. At the end of your billing cycle, you will be given a statement which lists down all the transactions you made and your total balance for the cycle/month.

It’s a good habit to clear off your balance immediately, as this protects you from getting charged any interest fees. If you only pay the minimum instead of the entire sum, you will still be charged an interest fee according to Bank Negara’s terms. This interest charge can be pretty hefty, and ranges from 15% p.a. to 18% p.a. depending on how well you repay your debt.

So here’s what the AmBank Cash Rebate Visa Platinum Card can offer you in these cases. If you have an outstanding balance (again, provided your retail spend goes above RM500/month), you’ll get a 10% rebate on your interest charges.

We won’t usually encourage you to carry over a single cent in your balance, but we understand that it can be difficult to pay off a large purchase, all at once. For times like this, it’s nice to know that this card gives you some breathing room so that your debt can be a little more manageable.

3. You get platinum benefits at minimum qualifications

In order to qualify for a credit card in Malaysia, Bank Negara has set a rule that one must earn a minimum salary of RM24,000/year. That averages out to RM2,000/month, a figure that’s generally close to what most average office workers earn in their first job.

As such, they will only be able to qualify for entry level cards (also known as Gold cards). Platinum cards would typically come next, requiring a higher annual salary to qualify. Platinum cards also feature more attractive rewards and benefits too. It goes without saying that it also enhances the cardholder’s status.

The AmBank Cash Rebate Visa Platinum Card bridges that by offering platinum benefits at minimum requirements:

  • Minimum age for Principal Card applicant: 21 years old and above.
  • Minimum age for Supplementary Card applicant: 18 years old and above.
  • Minimum income: RM24,000 p.a.


To bring better value to customers, the annual fee is waived for this card. To find out more on its fees and charges, click here.

4. It allows for very, very, very flexible payment plans

The AmBank Cash Rebate Visa Platinum Card has a 0% Easy Payment Plan, where you can enjoy up to 36 months interest/management-free instalment payment on all sorts of products.

This is perfect if you’re making a large purchase, such as a new phone or a new sofa set. In fact, you can even get a 3 or 6 months instalment plan with purchases as low as RM500. This would of course be tied to participating merchants – you can find them all here.

Beyond that, you can also convert your retail transactions into affordable monthly instalments with the AmFlexi-Pay scheme. See the table below to calculate:

TenureMinimum SpendInterest/Management Fee Rate
6 MonthsRM 5003%
12 MonthsRM 2,0004%
18 MonthsRM 4,0005%
24 Months​RM 5,000​​6%

For more info, click here.

The card actually comes with a lot more benefits

While it may be quite inconvenient and risky to travel at this moment, you can later take advantage of the travel benefits that come with the AmBank Cash Rebate Visa Platinum Card:

  • 10% Cashback at duty-free outlets across ASEAN countries
  • Travel insurance coverage for you and your family members of up to RM1 million when the full fare of airline tickets are charged to the card. (More info here.)


The card also gives you great deals everyday (RM30 Cashback, RM30 OFF, or 30% OFF) if you use your card with their partners. It’s part of their Amazing 30 campaign, and you can view the full list of deals in this link.

All in all, the card seems to be pretty ideal for digitally-savvy shoppers in this day and age. Like we said at the beginning – if you’re going to spend, might as well get rewarded for it!

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Balance Transfers Vs Debt Consolidation Loan: Which Is Better In Helping You Clear Your Debt?

  • By CompareHero.my
  • October 2, 2020

If you’re struggling to pay off your debt, you can always consider using a balance transfer or a personal loan. But what is the difference between these two? Which one is the right one for you? Read this article to find out!



We all make difficult and/or wrong financial decisions in life, and sometimes this can lead us to a debt-riddled path. As such, there may come a time when you find yourself grappling with debt. 

From 2014 to 2018, stats from the Malaysian Department of Insolvency revealed that 95,000 people were declared bankrupt between 2014 and 2018 because they couldn’t honour their borrowings with lenders. Some of the main causes that dragged them down were personal loans (27.76%), car loans (24.73%), housing loans (14.09%), and credit card debt (9.91%).  

So… what if you’re part of the statistic? To remedy this, there are two common options that you can consider – a balance transfer or a personal loan. 

But which is right for you? How are they different from each other? And why would you even consider applying for a loan if you’re already in debt? Let’s start by first distinguishing the differences between balance transfers and personal loans. 

What is balance transfer? What is a personal loan? 

A balance transfer essentially lets you transfer the outstanding owing on your credit card(s) to a new credit card. This method is only meant to tackle credit card debt. Here’s how it works. 

Let’s say you have 2 credit cards and your total debt has snowballed to RM20,000. Because you cannot afford to pay your balance in full, it grows month after month with a compounding interest rate of 15% p.a. 

By getting a balance transfer credit card, you basically transfer your existing RM20,000 debt to a new credit card and avoid paying the already hefty interest rate. What you’ll pay instead, is a 0% interest 12-month instalment payment of RM1,667 to your new bank. After 12 months, your RM20,000 debt will be fully paid off. 

Balance transfers typically come with a 3, 6, 9, or 12-month repayment term. If you miss your monthly repayment, you will be charged a hefty interest fee. 

View all balance transfer credit cards here

On the other hand, a personal loan is simply a loan given out for personal use. Unlike a balance transfer, you can use this money for anything you want. Personal loans have a much lower interest fee compared to the 15% p.a. credit card interest rate, and can be extended for many years so you can take your time to slowly pay it off. 

A variation of a personal loan is a debt consolidation loan. Similar to a balance transfer, the sole purpose of this loan is to consolidate all your existing debt (regardless of what type of debt). Your repayment will be to the credit facility by the month. 

Compare all personal loans here, and all debt consolidation loans here

Between balance transfers and personal loans, which one should you choose? 

You can start by asking yourself these three questions:

1. How fast can you repay your loan or balance? 

If you are confident that you can clear it within a short time frame (e.g. 3, 6, 9, or 12 months), then you might as well choose a balance transfer. There are balance transfer cards with a one-time fee of as low as 3%, sometimes even 0%. This is something that you definitely want to take advantage of, but it requires a lot of discipline in your repayment. 

If you don’t think you can commit to that, then a personal loan would be more ideal as you will be able to stretch out your repayment for years. 

2. How much debt do you have? 

If you need a large sum of money, you may want to consider a personal loan. As mentioned in our previous point, it has a longer return period – this makes it easier on your wallet to repay your owing. 

3. What are you using this for? 

If you have other types of debt to clear – for example, missed rental payments or if you owe someone money – then you will not be able to utilise a balance transfer. Balance transfers are only meant to repay credit card debt, whereas personal loans give you the flexibility to do whatever you want with the money. 

Read also: 7 Strategies To Get Out Of Debt Fast During The COVID-19 Pandemic

None of the above matters if you don’t repay your monthly dues in full 

Regardless which one you choose to help you clear your debt, you have to be prepared to make your monthly payments within the time frame stated in your terms. If you fail to do so, the repercussions can be pretty severe. 

It’s also important to remember that while these plans give you some breathing space and a way out from debt, it’s important that you make wiser and better financial decisions in the future so as not to fall back into debt and start the vicious cycle again. 

Read also: Money Management: 3 Ways to Control Your Finances

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6 Ways Using A Credit Card Helps You Save Money

  • By CompareHero.my
  • September 30, 2020

If you are more careful on your credit card usage, you can actually save more money and at the same time, earn more benefits. In this article, we list some credit cards that can give you that opportunity. Read here to find out how it works.



Ever had someone tell you to only pay in cash? That apparently using cash is wiser, safer, and better in every way?

Now, we know that credit cards do get a bad reputation, and for good reasons too. While it’s true that credit card debt is a real issue, the card itself is not the cause – it’s poor financial management!

Back to our original question – credit cards actually do so much more than give you access to acquire what you want or need before you actually have the money to pay it off. Credit cards actually reward you for spending, so to this we say: if you’re already spending, might as well get rewarded for it.

Here are some ways using a credit card can actually be incredibly good for your money:

1. You can get a signup gift when you get a new credit card

Banks and comparison sites like CompareHero are always running promotions to encourage new users to sign up for specific credit cards. You can always take advantage of this incentive and get a gift that you’re interested in. Of course, do read the terms before signing up, as while some gifts are guaranteed, others may be given out à la lucky draw style. (E.g. each 40th successful applicant.)


A rice cooker Uncle Roger would approve of. (Disclaimer: Promotion subject to change without notice.) 

So if you’re looking to furnish your new home with some essential appliances, wouldn’t it be great if you scored yourself a new air fryer or vacuum machine just by applying for a new credit card?

On that note, check out our current credit card promotions here. (Our promotions change every month, so if you see something you like, grab it quickly!)

2. You can accumulate reward points as you spend

You would already know that credit card rewards exist. If not, how else would banks encourage you to take up credit cards in the first place?

Depending on the card that you have, you can easily accumulate points with each spend you make. At the end of your monthly cycle or year, you can always check your points to see how much you’ve accumulated, and choose to redeem something that you want or need. Our favourite? Shopping vouchers!

3. You can get actual cashback to your account

Unlike cards that give you reward points, there are cards that give you cash back when you spend. Of course, when you get cash back, you may or may not get reward points when you spend. (It depends on what your card offers.)

And just to note, cashbacks usually work where the user (you) make a purchase wherever, and at the end of the cycle, you pay your dues and get your cashback benefit (e.g. a total of, say, RM30 from that month) credited back into your account as a rebate.

But as beneficial as this sounds, take note that it’s common for banks to impose a certain maximum to your cashback benefit.

Compare all cashback credit cards here.

4. You can get extra rewards from branded credit cards

What are branded credit cards? Quite simply, they’re the product of a partnership between a credit card issuer (bank) and an external brand. While they work like a standard credit card, they have added benefits so you can save some money or get added rewards when you spend in their business.

Here are 3 branded credit cards that we think you’ll love:

Maybank Grab Credit Card



Perfect if you’re:
A heavy Grab user who loves collecting points and redeeming them for Grab vouchers.

About this card: 

  • Requires monthly salary of RM3,000 to qualify
  • No annual fee
  • Welcome gift of 1,000 GrabRewards Points (GRP) will be awarded upon activation
  • Welcome gift of 5 X RM5 GrabRide voucher and 5 X RM5 GrabFood voucher will be awarded upon a minimum cumulative spend of RM300 in the Grab application within 45 days from the date the card is approved
  • 5 GrabRewards Points will be rewarded for every RM1 spent on Grab & GrabPay (including Grab e-wallet reloads)
  • 2 GrabRewards Points will be rewarded for every RM1 spent overseas/cross border/e-commerce transaction
  • 1 GrabRewards Point will be rewarded for every RM3 spent locally on eligible transactions
  • Grab Platinum Tier status for 6 months upon card activation

Maybank Shopee Visa Platinum Credit Card



Perfect if you are:
A seasoned online shopper, especially one who prefers to shop on Shopee

About this card: 

  • Requires monthly salary of RM3,000 to qualify
  • No annual fee
  • 5X Shopee Coins on Shopee, dining, entertainment & contactless payments
  • 5X Shopee Coins on special days when spent on Shopee
  • 1X Shopee Coins for other transactions
  • 5,000 Welcome Shopee coins

AEON Classic Mastercard Credit Card



Card benefits: 

  • Requires monthly salary of RM2,000 to qualify
  • RM30 annual fee
  • 2x Points per RM1 spent at AEON Stores, Max Valu, 1x Points per RM2 spent elsewhere.
  • 2% cash rebate for purchases at any AEON stores during AEON MEMBER day
  • Earn extra 2.5X points for every Ringgit you spend with your New AEON Card inside AEON Stores during selected AEON MEMBER Privilege Day.
  • 2.5x AEON MEMBER points = 1.5 AEON MEMBER point from credit card + 1 AEON MEMBER point from AEON MEMBER

5. You can enjoy free insurance against personal accidents

Insurance is not cheap, but it is a necessity regardless of what you do or how old you are. Many credit card companies come with some sort of travel insurance, but we found that OCBC Bank has a Great Eastern credit card which gives:

  • Complimentary RM100,000 insurance coverage on death or total and permanent disability for principal cardmember (First Year)
  • 12 months’ Auto-IPP for Great Eastern / Overseas Assurance Corporation for insurance premium of RM2,200 and above via Auto Debit


Sure, the benefit is not forever but it can at least give you some added protection at no charge!

6. You can avoid high interest fees with a balance transfer credit card

This one helps you if you have an existing credit card debt that you cannot control. If you didn’t know, credit card interest rates in Malaysia start at 15% p.a., and can increase up to 18% p.a. if you consistently keep up bad repayment habits. (Higher interest rates act as a penalty to encourage borrowers to pay their dues on time.)

By getting a balance transfer credit card, you basically transfer your existing debt to a new credit card and avoid paying the already hefty interest rate. Here’s an example:

Let’s say you had an outstanding debt with Credit Card Bank A and Credit Card Bank B, and over the course of two years, it snowballed to a whopping RM20,000. Keep it for another month and it will continue to grow even more.

Bank C offers a balance transfer solution with a 0% interest rate, provided you clear your dues in 12 months. As such, Bank C absorbs all your existing debt of RM20,000 – all of which will not grow unless you fail to repay. For the next 12 months, you will have to pay RM1,667 in Bank C to clear off your debt.

If you had kept your debt in Banks A and B, you would definitely have to pay MORE than that as you would need to add on the compounding monthly interests. In that sense, a balance transfer credit card can help you save hundreds of Ringgit from interest fees!

Interested? View all balance transfer credit cards here.

All this is nothing if you don’t pay off your balance in full

A lot of people think that all would be well if they only pay the monthly minimum requirement. Yes, you will avoid late fees, but you will be charged a monthly interest. If this is not nipped in the bud, your monthly owing will grow and eventually leave you with an uncontrollable debt.

There is no reward big enough to justify being in debt, so always make it a priority to pay off your monthly owing in full so you’re always in control of your rewards and finances.

Curious to see more? Compare all credit cards here.

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Stay Safe In A COVID-19 World, 6 Ways For A Safer Drive

  • By CompareHero.my
  • September 29, 2020

It is important to stay safe while driving during the pandemic, especially when you’re in a confined space like a car along with other passengers. You need to be aware of some protective measures to maintain a healthy and pleasant environment inside the car. Below are some tips you can learn, read more to find out!



Though COVID-19 is still rampant across the country, recently hitting three-digit figures, we shouldn’t let that stop us from carrying out our daily chores and duties especially if we live in areas that are not on lockdown or in need of quarantine. 

But having that freedom also comes with some responsibility. For instance, we should always wear a facemask when going out and about, practice social distancing – standing at least two metres away from others, and maintain the utmost hygiene. 

It’s also good practice to keep track of when and where you’ve been as well as to identify the common areas that you always come in contact with (Read: house, office etc.). But one particular area that tends to be overlooked is your vehicle, be it car or motor. 

Here are some ways to ensure a safer drive this COVID-19 season: 

1. Educate yourself on COVID-19

Before knowing how to keep your vehicle safe from COVID-19, you gotta understand how it spreads first. Though we’re sure you’ve done your homework, since the pandemic has been going on for awhile (unless you’ve been living under a rock all this while), there’s no harm for a quick refresher!

According to the United States Centers for Diseases Control and Prevention (CDC), the virus spreads mainly from person-to-person. What we can gather from this is that it may spread between people who are in close contact with one another or through respiratory droplets when an infected person coughs or sneezes.

These droplets could then land in the mouths or noses of people who are within close proximity; they may also possibly be inhaled into the lungs. But not only that, the virus may also spread by people who are asymptomatic, aka, those who don’t show any symptoms.

It’s also possible for someone who touches surfaces or objects that are infected with the virus, to get COVID-19 by then touching their own mouth, nose, and eyes.

The best way to prevent being infected by COVID-19 is to avoid getting exposed to the virus in the first place, as there is currently no vaccine to prevent the virus. 

2. Clean and disinfect vehicle surfaces frequently

At a minimum, clean and disinfect commonly touched surfaces of your vehicle at the beginning and end of each ride. 

The CDC recommends following the cleaning and disinfection procedures consistently and correctly, including the provision of adequate ventilation when chemicals are in use. 

When cleaning vehicles, CDC also suggests doors and windows to remain open, and for individuals to wear disposable gloves, PPE or a disposable gown.

“For hard non-porous surfaces within the interior of the vehicle such as hard seats, arm rests, door handles, seat belt buckles, light and air controls, doors and windows, and grab handles, clean with detergent or soap and water if the surfaces are visibly dirty, prior to disinfectant application,” according to CDC. 

Appropriate disinfectants, according to CDC, include diluted household bleach solutions and alcohol solutions with at least 70% alcohol.

For soft or porous surfaces such as fabric seats, CDC suggests to remove any visible contamination if present, and clean with appropriate cleaners indicated for use on these surfaces. After cleaning, use products that are United States Environmental Protection Agency-approved (EPA) for use against the virus that causes COVID-19. If you are curious to know what ingredients are approved by EPA.

For frequently touched electronic surfaces such as tablets or touch screens used in the vehicle, CDC recommends to remove visible dirt, then disinfect following the manufacturer’s instructions for all cleaning and disinfection products. If there’s no guide on how to disinfect, try using alcohol-based wipes or sprays containing at least 70% alcohol to disinfect.

3. Perhaps it’s time to put carpooling on hold

For many families, carpooling can make all the difference in the world, especially for those who are juggling multiple children or living with a chronic illness and are prone to flares. 

Due to the nature of carpooling, there may be higher risk of infected respiratory droplets spreading easily in a car, but there are also other risks like shared surfaces like door handles and seat belt buckles. Besides that, the virus could also spread when an infected individual touches a surface or object, and others end up then touching their mouth, nose, or eyes.

If you had the choice, maybe it would be a better idea to avoid carpooling to avoid any chance of infection. However, if taking a pass on carpooling or public transport is not possible, there are certain things you can do to reduce chances of infection. 

  • Stay home if you’re sick
  • Limit the number of people in one ride
  • Ride with the same people
  • Try using fresh air through vents and windows
  • Avoid offering or sharing water bottles, snacks or other items
  • Limit close contact inside the vehicle
  • Sit at least two metre away from each other when inside (if possible) and outside the vehicle
  • Every person should handle their own bags and belonging
  • Map out roadways and be informed of any relevant travel advisories


And generally, make sure your car is in good shape before you depart; it should be serviced once a year and inspected if you’re concerned. 

4. Plan your route 

In today’s COVID-19 world, planning is everything. Before stepping out of your house, consider your destination first, CDC suggests asking these questions before you depart:

  • Find out if COVID-19 is spreading in your community or the area you’re visiting. 
  • If your passenger has an underlying condition and may be at risk for complications from the disease.
  • Is it possible to maintain a two-metre distance between yourself and others during travel 
  • Find out if you are required to quarantine yourself for 14 days upon arrival.


To minimise contact with new public areas, we advised you to plan to make as few stops as possible. But do stop if you become drowsy. 

Prepare additional food, including non perishable items, and water, to take on the trip to avoid the need to constantly make stops at public areas. 

5. Try to go contactless

Since limiting contact with physical spaces is the way to go in today’s COVID-19 world, it would be super advisable to go cashless to avoid the need to touch physical surfaces.  

When paying for gas, for example, pay with cards, not cash. Doing so helps eliminate the face-to-face interaction necessary for a cash transaction.

At the same time, cash can always be cleaned with a disinfectant wipe after use, unlike cash. 

The rise of digital payment solutions have made it easier for us to go cashless too. Today, you can choose from one of the total of 53 e-wallets in the country.

Related: Ultimate Guide To E-Wallet In Malaysia – Which Should You Get?

When getting gas, use a disinfectant wipe on handles or buttons before you touch them. After you’re done fueling, use a hand sanitizer to clean yourself. Upon arrival at your destination, clean your hands with soap and water for at least 20 seconds.

If you do choose to pick up a meal on the road, consider restaurants that offer drive-thru or curbside service instead of going in. 

6. Sanitise public areas, particularly at rest areas 

Bring a hand sanitiser with you and disinfect all areas that you may get in contact with when dining out or shopping. This may require you to invest in a few bottles of hand sanitisers a month but it would be totally worth it.

Clean and disinfect public restrooms after use especially if you’ll be relying heavily on restrooms at highway rest areas or gas stations. 

Also try to avoid the faucet, bidet or door handle after washing your hands. One good tip is to either disinfect it right away or use a piece of tissue or paper towel to shield your hands after washing. 

Just be more vigilant in general

With COVID-19 likely to stay until the end of next year, everyone just needs to be more precautious with how they go about their day-to-day. 

On top of practicing usual routines like maintaining hygiene, social distancing and wearing a mask, this virus has taught us to be more mindful with how we carry our activities. More than ever, we need to plan ahead and stay abreast of the latest developments related to the virus. 

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