Using more credit cards than necessary these days is a terrible idea, especially if you have massive debts to pay. However, it also undeniable that using a credit card can make your life easier. Nowadays, there are plenty of credit cards that can alleviate your financial burden, one of them being the cash back credit card. A cash back program is an incentive proposed to the user by the credit card company where a certain percentage of the amount spent is given back. If you want to rid yourself of debts, you may want to sign up for cash back credit cards in Malaysia.

Here are the top 5 best cash back credit cards that you can use to avoid incurring massive debt:

1. OCBC 365 MasterCard.

If you like shopping using your credit card, this is the best option for you...

The average cyclist is going to have amazing gains in those first few months of training, but things will often slow down after that. Many will find themselves struggling to show improvement no matter how much time they spend on their bike. Eventually, this could lead to a plateau during which gains are practically non-existent. For these cyclists, here is a closer look at some steps that they can take to break past their plateau and once again start seeing improvements.

Forget About Time and Speed

Unless you are a seasoned cyclist, it is best to forget about time and speed for at least the first few months. During this period, your attention should be on improving some of the skills that are unique to cycling...

Cycling not only gives you a way to see the world up close but also provides excellent exercise. Although many people begin cycling as children, it’s never too late to take up or rediscover this sport. One of the best things about this activity is that it can be done regardless of your experience or fitness level. You can begin at whatever level you are comfortable with and gradually increase your speed and distance.

Buying the Right Bicycle

There are several types of bicycles on the market. You should first decide on what style of bike is right for you. Before you begin riding, you should also buy accessories such as a helmet, the right clothing and any other gear you might require.

• Road Bikes -Also known as racing bikes, these are built for speed...

If you own a bike, you will want to take good care of it and ensure it lasts a long time. Not only will you save money, but you will not end up on the side of the road with a serious problem. While true, most of us don’t know what to do or where to turn. Luckily, with these five tips, you can watch as your bike lasts a long time and gives you little trouble.

Good parts: First, if you really want to have a bike that runs well, you will want to buy old parts. To do so, you can start by visiting a trusted supplier of bicycle parts in Malaysia. When doing so, you can watch as the bike lasts a long time and you won’t have to spend a lot of time and money fixing minor and annoying issues...

Valentine’s Day gives you a chance to be with your loved one on an intimate level. If you have exhausted all of your gift ideas, from chocolates to flowers, try a couple’s massage. Although you may have had massages in the past, they were always a solo event. Talk to your significant other about a couple’s massage package together. You can have the experience of a lifetime.

Consider Comfort Levels

Every person is an individual, with specific needs and concerns. Do not spontaneously drag your partner to a massage. This gift needs to be shared. Talk about your comfort level with a masseuse. If your partner feels more comfortable with a massage therapist of the same sex, you need to book the massage with this stipulation in mind...