MAY 2015
magazine
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MAY 2015
magazine
May 2015
BASICS BACK TOanveeMyonEeydition
The Save
MoS
E d iti o n
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MAY 2015
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u need Items yo
s uga r o f b rown - 2 c ups f lespoon o - 10 tab oil vegetable o rn flou r of c a int - 2 c ups owde r p p d re u - Colo r - Glitte
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MAY 2015
SaveMoney Coffee Edition
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MAY 2015
SaveMoney Coffee Edition
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MAY 2015
SaveMoney Coffee Edition
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Now excuse us as we stare disdainfully at our RM0.80 vending machine coffee.
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MAY 2015
SaveMoney Coffee Edition
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MAY 2015
SaveMoney Coffee Edition
Items
Normal
Pronto Grab and Go G/F, Tower 8, Avenue 5, The Horizon Phase 2, Bangsar South, No. 8 Jalan Kerinchi, 59200 Kuala Lumpur.
RM8.90
G Coffee P-G-003A, Podium, PJ Centrestage, No.1, Jalan 10/1, Seksyen 13, 46100 Petaling Jaya.
RM10
D Viennoiserie Plaza 33, Ground Floor, Jalan Semangat, Section 13, Petaling Jaya, Selangor.
RM9
Coffee Society Publika, Block D4, Level G3, Unit 3A, Jalan Dutamas 1, Solaris Dutamas, Kuala Lumpur.
RM10
Nutmeg BV II, 1, Jalan Telawi 1, Bangsar Baru, 59100 Kuala Lumpur.
RM9
Rekindle Ground Floor, No.25, Jalan SS 2/64, 47300 Petaling Jaya, Selangor.
RM10
Coffee Amo 1st Floor, 54, Jalan Sultan, 50000 Kuala Lumpur.
RM10
Good Golly Miss Molly Millennium Square, Jalan 14/1, Seksyen 14, 46100 Petaling Jaya, Selangor.
RM9
Feeka Coffee Roasters 19, Jalan Mesui, Bukit Bintang, 50200 Kuala Lumpur
RM10
Casalinga CafĂŠ AEON Subang Jaya, No.3, SS16/1, Subang Jaya, Selangor
RM9
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MAY 2015
WHEAT WHEAT CRUNCHY CRUNCHY CRUNCHY
YUMMY YUMMY YUMMY
WHEAT WHEAT
GETTING MORE
W HE
AT
FOR YOUR MONEY AT THE GROCERY STORE CRUNCHY CRUNCHY
XYZ
XYZ
STAGNANT WAGE
INFLATION
REMOVED SUBSIDIES
There are many ways your money is being stretched these days: 1. stagnant wage 2. Increasing prices (Inflation) 3. Reduced/Removed Subsidies Whilst the situation may seem bleak, there are ways to stretch you ringgit: At least in the realm of grocery shopping.
CHOOSE
BUY IN
BETTER BEST
QUALITY
NON-PERISHABLE ITEMS IN
BULK
PERFORMING PRODUCTS
Why? Bulk prices are often cheaper per item and you save fuel, time and parking costs because you don’t have to go to the store so often.
Why? Inferior products may be cheaper, but they often cost you more in time and ease of use. You’ll end up using more product without the results you need.
Jumbo Pack
gift card FREE
TAKE HEED OF
PROMOTIONS DISCOUNTS & SPECIAL SALES
Why? Buying during a promo can save you much more money. With the help of the internet, sales and promos are easily found.
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MAY 2015
Normal
Organic
Price Difference
Lettuce
Items
RM4.50/250gm
RM5.10/400gm
RM0.60
Cherry Tomatoes
RM3.99/250gm
RM4.10/220gm
RM0.11
RM13.70/kg for one bird
RM25/kg for one bird
RM11.30
Chicken
RM5.30/200ml
RM7.90/200ml
RM2.60
Jam
Orange Juice
RM13.09/250gm
RM25.90/250gm
RM12.81
Olive Oil
RM11.99/250gm
RM28.90/250gm
RM16.91
Penne Pasta
RM5.28/500gm
RM7.39/500gm
RM2.11
Salt
RM2.35/400gm
RM16.80/400gm
RM14.45
RM2.84/1kg
RM4.80/400gm for 1kg: RM12
RM9.16/kg
Sugar
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MAY 2015
SaveMoney Coffee Edition
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MAY 2015
SaveMoney Coffee Edition
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Cafe Malaysia 2015 will be the first of it’s kind and with all that’s being planned, it’s the place to fulfill all a budding owner’s cafe needs. A comprehensive sourcing platform - you seriously cut down all the legwork necessary in keeping abreast of coffee trends and building your business. As the tagline says: A Perfect Brew Awaits.
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MAY 2015
Why You Should Be a Part of
Café Malaysia 2015 Café Malaysia, the first exhibition of its kind is happening 7 -9 May 2015 at the MATRADE Exhibition and Convention Centre. The first international café equipment, supplies and technology exhibition; but if that’s not enough to convince you – here’s why you should be there!
MATRADE Exhibition and Convention Centre, KL 7 - 9 May 2015 A display of cutting edge innovation and trends Looking for coffee/café technology? Look no further. Check out the industry’s latest innovations.
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A one stop supply source Find the best suppliers for everything from beans to machinery. If it’s about coffee, you will find it here.
Idea sharing Learn tips, tricks and glean insight from like-minded professionals. It is the place for innovative ideas in the café business.
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Networking for brand awareness Talk to others in the industry, meet new people and potential investors to build your brand.
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Being a part of the Alliance The Café Owners Alliance seeks to unite all café owners under an umbrella of sharing and support.
Just because you LOVE coffee You don’t need to be a business owner nor a barista, if you love coffee come on over. You’ll get to watch some of the best in the business pitch against each other in challenges, finding the best beans and learning what you need about brewing the perfect cuppa.
A Perfect Brew Awaits
COA Advert (262 x 370mm).pdf
MAY 2015
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CM 2015 Advert (262 x 370mm) 17 Apr.pdf
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17/4/2015
2:59:58 PM
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Energy rating: 1 to 5-Star
Appliance type Appliance energy rating (Equals the number in the enegy rating) Information on the brand and model
Energy consumption (in kWh/year) Energy saving compared to the lowest 2-Star rated product (in percentage) Testing standards used
JimatCermat.my merupakan laman penjimatan kewangan di Malaysia yang boleh menolong anda menjimatkan sekurang-kurangnya RM1,000 setahun tanpa mengubah cara hidup anda!
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MAY 2015
Top Product Tables
Bank
Product Name
Min. Income
Interest Rate
Effective Rate
Monthly Repayment
Interest Paid Over 1 year
Type
Bank Rakyat
Bank Rakyat Pembiayaan Peribadi-i Rakan Pintar
RM1,000
3.27% p.a.
5.98% p.a.
RM861
RM332
Unsecured Islamic Loan
Bank Islam
Bank Islam Flat Rate Personal Financing-i Package
RM2,000
4.99% p.a.
9.09% p.a.
RM875
RM500
Unsecured Islamic Loan
Public Islamic Bank
Public Bank BAE Personal Financing-i
RM2,000
4.99% p.a.
9.09% p.a.
RM875
RM500
Unsecured Islamic Loan
Agrobank
Agrobank Hartani-i
RM1,500
6.10% p.a.
11.08% p.a.
RM884
RM608
Secured Islamic Loan
Alliance Bank
Alliance Bank CashFirst Personal Loan
RM3,000
6.88%p.a.
12.47%p.a.
RM891
RM692
Unsecured Loan
Bank Bank Rakyat
Product Name Bank Rakyat Pembiayaan Peribadi-i Rakan Pintar
Min. Income
Interest Rate
Effective Rate
Monthly Repayment
Interest Paid Over 3 years
RM1,000
3.27% p.a.
6.18% p.a.
RM305
RM980
Type Unsecured Islamic Loan
Ambank Islamic
AmBank Personal Financing-i
RM1,500
4.30% p.a.
8.05%p.a.
RM314
RM1,304
Unsecured Islamic Loan
Public Islamic Bank
Public Bank BAE Personal Financing-i
RM2,000
4.99% p.a.
9.29% p.a.
RM319
RM1,484
Unsecured Islamic Loan
Bank Islam
Bank Islam Flat Rate Personal Financing-i Package
RM2,000
4.99% p.a.
9.29% p.a.
RM319
RM1,484
Unsecured Islamic Loan
Agrobank
Agrobank Hartani-i
RM1,500
6.10% p.a.
11.26% p.a.
RM329
RM1,844
Secured Islamic Loan
Min. Income
Interest Rate
Effective Rate
Monthly Repayment
Interest Paid Over 5 years
Bank
Product Name
Type
Bank Rakyat
Bank Rakyat Pembiayaan Peribadi-i Rakan Pintar
RM1,000
3.70% p.a.
6.89%p.a.
RM198
RM1,860
Unsecured Islamic Loan
Ambank Islamic
AmBank Personal Financing-i
RM1,500
4.30% p.a.
7.94%p.a.
RM203
RM1,980
Unsecured Islamic Loan
Public Islamic Bank
Public Bank BAE Personal Financing-i
RM2,000
4.99% p.a.
9.14%p.a.
RM208
RM2,460
Unsecured Islamic Loan
Bank Islam
Bank Islam Flat Rate Personal Financing-i Package
RM2,000
4.99% p.a.
9.14%p.a.
RM208
RM2,460
Unsecured Islamic Loan
Agrobank
Agrobank Hartani-i
RM1,500
6.10% p.a.
11.02% p.a.
RM218
RM3,050
Secured Islamic Loan
Bank
Product Name
Min. Income
Interest Rate
Effective Rate
Monthly Repayment
Interest Paid Over 1 year
Type
Agrobank
Agrobank Hartani-i
RM2,000
6.10%p.a.
11.08%p.a.
RM884
RM608
Secured Islamic Loan
Bank Rakyat
Bank Rakyat Personal Financing-i Private
RM2,000
6.16%p.a.
11.18%p.a.
RM885
RM620
Unsecured Islamic Loan
Alliance Islamic Bank
Alliance Bank CashVantage Personal Financing-i
RM3,000
6.88%p.a.
12.47%p.a.
RM891
RM692
Unsecured Islamic Loan
Mach by Hong Leong Bank
Hong Leong Mach IOU Personal Loan
RM2,000
7.00%p.a.
12.68%p.a.
RM892
RM704
Unsecured Loan
Bank Islam
Bank Islam Personal Cash Line-i
RM1,500
7.85%p.a.
14.19%p.a.
RM899
RM785
Secured Islamic Loan
Min. Income
Interest Rate
Effective Rate
Monthly Repayment
Interest Paid Over 3 years
Bank
Product Name
Type
Agrobank
Agrobank Hartani-i
RM2,000
6.10%p.a.
11.26%p.a.
RM329
RM1,844
Secured Islamic Loan
Bank Rakyat
Bank Rakyat Personal Financing-i Private
RM2,000
6.16%p.a.
11.36%p.a.
RM329
RM1,844
Unsecured Islamic Loan
BSN
BSN Sandaran Sijil Simpanan Tetap
RM1,000
6.45%p.a.
11.70%p.a.
RM332
RM1,952
Secured Islamic Loan
Alliance Bank
Alliance Bank CashFirst Personal Loan
RM3,000
6.88%p.a.
12.62%p.a.
RM335
RM2,060
Unsecured Loan
Hong Leong Bank
Hong Leong Personal Loan
RM2,000
7.00%p.a.
12.83%p.a.
RM336
RM2,096
Unsecured Loan
Min. Income
Interest Rate
Effective Rate
Monthly Repayment
Interest Paid Over 5 years
Bank
Product Name
Type
Agrobank
Agrobank Hartani-i
RM2,000
6.10%p.a.
11.26%p.a.
RM329
RM1,844
Secured Islamic Loan
Bank Rakyat
Bank Rakyat Personal Financing-i Private
RM2,000
6.16%p.a.
11.36%p.a.
RM329
RM1,844
Unsecured Islamic Loan
BSN
BSN Sandaran Sijil Simpanan Tetap
RM1,000
6.45%p.a.
11.70%p.a.
RM332
RM1,952
Secured Islamic Loan
Alliance Bank
Alliance Bank CashFirst Personal Loan
RM3,000
6.88%p.a.
12.62%p.a.
RM335
RM2,060
Unsecured Loan
Hong Leong Bank
Hong Leong Personal Loan
RM2,000
7.00%p.a.
12.83%p.a.
RM336
RM2,096
Unsecured Loan
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MAY 2015
Top Product Tables
Bank Name
Product Name
FD Type
Minimum Deposit
Advertised Interest Rates
Effective Interest Rates
Interest on RM50,000
Depositor’s Insurance?
Affin Islamic Bank
Affin Islamic Term Deposit Plus-i
Standard
RM10,000
3.49%
3.49%
RM145
PIDM
MBSB
MBSB Fixed Deposit for 49'ners Club
Standard
RM1,000
3.40%
3.40%
RM142
MBSB
Bank Rakyat
Bank Rakyat Term Deposit Account-i
Standard
RM5,000
3.40%
3.40%
RM142
DFIA
Bank Islam
Bank Islam Term Deposit-i
Standard
RM1,000
3.30%
3.30%
RM138
PIDM
Asian Finance Bank
Asian Finance Bank Commodity Murabahah Term Deposit-i
Standard
RM5,000
3.30%
3.30%
RM138
PIDM
Bank Name
Product Name
FD Type
Minimum Deposit
Advertised Interest Rates
Effective Interest Rates
Interest on RM50,000
Depositor’s Insurance?
Al-Rajhi
Al-Rajhi Wakalah Bi Al-Istithmar Investment Account-i
Standard
RM1,000
3.80%
3.80%
RM475
PIDM
Hong Leong Bank
Hong Leong Fixed Deposit
Standard
RM10,000
3.80%
3.80%
RM475
PIDM
Bank Rakyat
Bank Rakyat Term Deposit Account-i
Standard
RM500
3.70%
3.70%
RM463
DFIA
MBSB
MBSB Fixed Deposit for 49'ners Club
Standard
RM1,000
3.45%
3.45%
RM431
MBSB
Bank Islam
Bank Islam Term Deposit-i
Standard
RM500
3.35%
3.35%
RM419
PIDM
Bank Name
Product Name
FD Type
Minimum Deposit
Advertised Interest Rates
Effective Interest Rates
Interest on RM50,000
Depositor’s Insurance?
Public Bank
Public Bank Plus Fixed Deposit Account
Standard
RM20,000
4.08%
4.08%
RM1,020
PIDM
OCBC Bank
OCBC MYR Fixed Deposit
Standard
RM5,000
4.00%
4.00%
RM1,000
PIDM
Kuwait Finance House
KFH International Commodity Murabahah Deposit-i
Standard
RM10,000
4.00%
4.00%
RM1,000
PIDM
Bank Rakyat
Bank Rakyat Term Deposit Account-i
Standard
RM500
3.90%
3.90%
RM975
DFIA
Al-Rajhi
Al-Rajhi Wakalah Bi Al-Istithmar Investment Account-i
Standard
RM1,000
3.90%
3.90%
RM975
PIDM
Bank Name
Product Name
FD Type
Minimum Deposit
Advertised Interest Rates
Effective Interest Rates
Interest on RM50,000
Depositor’s Insurance?
Maybank
Maybank Fixed Deposit
Step Up
RM10,000
4.55%
4.15%
RM1,556
PIDM
Al-Rajhi
Al-Rajhi Wakalah Bi Al-Istithmar Investment Account-i
Standard
RM1,000
4.00%
4.00%
RM1,500
PIDM
Bank Rakyat
Bank Rakyat Term Deposit Account-i
Standard
RM500
3.95%
3.95%
RM1,481
DFIA
Affin Islamic Bank
Affin Islamic Term Deposit Plus-i
Standard
RM10,000
3.83%
3.83%
RM1,436
PIDM
MBSB
MBSB Fixed Deposit for 49'ners Club
Standard
RM1,000
3.65%
3.65%
RM1,369
MBSB
Bank Name
Product Name
FD Type
Minimum Deposit
Advertised Interest Rates
Effective Interest Rates
Interest on RM50,000
Depositor’s Insurance?
Public Islamic Bank
Public Bank Islamic Term Deposit-i
Step Up
RM10,000
4.38%
4.21%
RM2,105
PIDM
OCBC Bank
OCBC MYR Fixed Deposit
Standard
RM1,000
4.20%
4.20%
RM2,100
PIDM
CIMB
CIMB Unfixed Deposit
Standard
RM10,000
4.20%
4.20%
RM2,100
PIDM
Kuwait Finance House
KFH International Commodity Murabahah Deposit-i
Standard
RM10,000
4.10%
4.10%
RM2,050
PIDM
Al-Rajhi
Al-Rajhi Wakalah Bi Al-Istithmar Investment Account-i
Standard
RM1,000
4.10%
4.10%
RM2,050
PIDM
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MAY 2015