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Should You Invest In Sukuk In Malaysia

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The Sukuk is an Islamic term which is equivalent of the bond. A bond, mainly issued by any corporations or governments, is a loan. These bonds are low-risk investments that can deliver a more consistent income through the interest payments. But as bonds involve interest payments and are not Shariah-compliant, it is completely prohibited by the Islamic laws. Sukuk is a great Islamic alternative for the bonds. It is a financial certificate which denotes complete ownership of particular assets.

When is this Sukuk Issued?

The Sukuk is issued by some companies and governments for raising money that is required for some of the projects. These are used for investment proceedings in order to buy some assets. Investors, in return, will get payments (periodic) as well as the principal investment amount when this Sukuk will mature. As the Sukuk is totally Shariah-compliant, it doesn’t involve any interest payments like any other conventional bonds. Instead of the interests, the payments for Sukuk come from asset rentals and profit sharing.

Should you invest in Sukuk?

If you are wondering whether or not you should invest in Sukuk in Malaysia, then here are some of the reasons why you must:

Consistent income: The Sukuk provides much regular payments, be it is yearly, quarterly or half-yearly. The payments are fixed and hence it is a good way to earn some consistent income. Thus, investing in this can help your get a predictable outcome regularly.
Low-risk: Another reason why you must invest in Sukuk is because it is a low-risk proposal. Everyone wants to keep their money in a safe place with lower risk. Investing in this field can help you to have a lower risk on your investment.
Preserve capital: It is always a good idea to invest in Sukuk as it is a good way of preserving the capital. If you want to cash out the investment, you can do it anytime. Unlike investing in equities, the price or value of Sukuk remains same and doesn’t go up and down.

How much return to expect from Sukuk?

The return that you will get from investing in Sukuk will depend a lot on your credit rating. When the Sukuk’s credit rating is low, it is much riskier but it can offer a good payout. On the other hand, when the credit rating of a Sukuk is high, it comes with much less risk. But in that case, it will offer a much lower payout. The Principal Islamic Lifetime Sukuk Fund will offer you an average interest of 5.9% every year on the main amount. So, if you have invested about RM1000, then you will receive RM59 as return every year.

Conclusion

Investing in Sukuk in Malaysia is quite a good idea and it is suitable under any market conditions. It can help you in managing the portfolio risk as well as it will provide diversification. As the market is quite uncertain, these days, investing in a low-risk plan like Sukuk is the best idea. You can gain a particular fixed income quarterly or annually by investing in a Sukuk.

When and How to Use a Hand Sanitizer

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These days, it is important to keep your hands as clean as possible so that you won’t get the coronavirus. Better take your time in washing your hands with a hand sanitizer. When you put hand sanitizer on your palm, better make sure that you wait until it is dry. Don’t put too much of it or else you will end up wasting it. It is better to put the right amount on your palm. You will know anyway since you know for sure how big or small your hand is. When you played a sport like basketball or tennis, it would be best to use a hand sanitizer after that as your hands are certainly dirty. The last thing you would want to happen is to touch your face when your hands are dirty. When that happens, you may get allergies on your face. When you rub your hands on your eyes, you may lose sight in the future. That will not happen when you wash your hands thoroughly with a hand sanitizer. In fact, the hand sanitizer must be placed somewhere where you can use it frequently. Another time you must use a hand sanitizer is when you just ate. After all, you just put your hands on food so your hands must be pretty dirty. It may even be rough when you ate ice cream or got your hands messy when you ate a lot of sauce. It won’t be long before you would want to get rid of that bad smell on your hands.

It would be best to place the hand sanitizer near your front door so you would remember to use it when you just came home after a tiring workout. When you work out at the gym, remember that you will be touching a lot of surfaces and you never know who touched those things. Hence, it would be better to use your hand sanitizer. When your sanitizer runs out, it would be best to buy hand sanitizer online at the store of Era Herbal. It won’t be long before you would get the products delivered straight to your doorstep. After all, it would be best to just go and follow the steps of ordering on their website since it is not that hard. You just need to make an account so that you would be able to pay for the products. Yes, you will link the account you made on their website to either your PayPal account or online banking account. Once that is settled, you can add a bunch of items to your shopping car. It is online shopping at its finest and you can do it wherever you please. You would want to buy in bulk and put the hand sanitizers throughout the house. One must also be put in your car as you never know where you are going to go and what you are going to hold. Hence, it would be better to be safe than sorry there.

Baking Ingredient Guide: Pantry Staples

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In order to become a highly reliable baker, you would need to have your pantry stocked with all the needed ingredients. Here are a few baking ingredients that should be present in your pantry:

Brown Sugar
Everyone knows all desserts are sweet but you would not want to raise the blood sugar of the people who are eating it a bit too fast. Thus, better put brown sugar in your pantry instead of white sugar. We all know how this is the safer alternative. You can also place it inside your coffee when it is time to have breakfast.

Baking Soda
This is what causes your baked goods to rise when you put it inside an oven. Hence, better put this in your pantry and you will certainly have use for it somewhere down the road no matter what dessert you end up making. It is no secret it is present in most recipes.

Vegetable Oil
This is used to heat food being cooked on a frying pan so there is a reason why it is present in almost all of the recipes you will see on a cookbook. This oil is a lot healthier compared to similar oils and all of them basically does pretty much the same thing anyway. Thus, better move on to something that would be beneficial for you in the future.

Honey
It is one of those ingredients that can be found in a ton of recipes. Without honey, those things will taste pretty different from what you were expecting. It will certainly give you that sweetness that you will make you crave the dessert for a pretty long time.

Corn Syrup
If you want to make candies, this is one bakery ingredient that you should definitely have. Also, better keep an eye out for numerous recipes that also has corn syrup in its list of ingredients. It is becoming more and more popular with today’s loved desserts.

Baking Powder
This baking ingredient will certainly be present when you want to make a big cake. It is one of those things that bakers can’t certainly live without. In fact, it is the same thing that enlarges the dough when you put the dessert inside an oven. Baking powder actually contains baking soda so you probably won’t need the latter if you already have the former.

All-purpose Flour
This baking ingredient can be used to create just about any dessert that is on your mind. Hence, you know you are safe if it is in your pantry.

Now that you know what baking ingredients you must include in your pantry, you should buy another one when one of them is close to being empty. Besides, you never know when you would want to bake. There will be times when you or another member of your family would be craving cor chocolate chip cookies or even red velvet cupcakes. If you have all the ingredients, there it is just a matter of when you are going to bake them and not if.

Choosing a Hot and Cold Water Dispenser for Your Office

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If you want to drink hot or cold water in your office then you must install a hot and cold water dispenser in it. A water dispenser is a device that dispenses water whenever you need but if it cools and heats the water then it will be an added benefit of this device.

Reasons to have a Water Dispenser in Your Office

A hot and cold water dispenser offers several benefits when installed in an office, business, or home. It can be used conveniently to get clear and quality water every time as well as saves money, reduces the emission of carbon by reducing the use of water bottles, and eliminates waste of water. Some people shop for water dispensers to drink the water of their choice whereas others may invest in it to get hygienically clean water.

Things to Consider While Choosing a Water Dispenser

While choosing a hot and cold water dispenser for your office you will have to keep a few things in your mind like:

Types of Water Dispenser

Two types of water dispensers are available in the market – bottled and bottle-less.

In bottled water dispenser a gallon or bottle of water is placed on the top of the dispenser. The dispenser then dispenses the water when a button or hook is pushed or pulled. It can dispense cold and hot water as well as at room temperature. You will have to organize more bottles of water according to the demand for hot and cold water in your office.
In a bottle-less water dispenser, the dispenser is connected to the line of mains water supply. It then purifies the water through its filtration system before dispensing water cold, hot, or at room temperature. It can be used in offices where a replacing water bottle is not practically possible.

Styles of Installing Water Dispensers

Water dispensers can be categorized based on their installation methods like

Wall Mounted: These water dispensers can be mounted on the wall and connected to the electricity and water supply system of the office building to dispense cold and hot water.

Freestanding dispenser: It is a bottled water dispenser that dispenses water after placing a gallon or bottle of water in its spout.

Bottom Load Water Dispenser: In these dispensers, water is supplied into them from their bottom.

Direct Piping Water Dispenser: It can be connected directly to the water supply line of the building to dispense water continuously.

Tabletop Water Dispenser: These water dispensers are smaller in size and can be put on a tabletop or countertop to dispense water.

Method of Cooling and Heating Water

In some models, there are two separate dispensers to dispense cold and hot water. They have an element to heat the water stored in the tan of that section. These dispensers may need more space to put them. In this condition, you can invest in bottle-less or tabletop hot and cold water dispenser which can dispense water instantly in a limited place.

Thus by considering the tips discussed in this write-up you can choose the best hot and cold water dispenser for your office.