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  <title>My NonStop Enterprise — Insights</title>
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  <description>Weekly plain-language guides on Johor property, insurance &amp; wealth, IT &amp; security, and HRDC-claimable training. New every Wednesday.</description>
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  <copyright>© My NonStop Enterprise (SSM JR0114501T)</copyright>
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    <title><![CDATA[PoE budget and switch sizing: powering cameras, APs and phones without brown-outs]]></title>
    <link>https://mynonstop.com.my/blog-poe-switch-sizing.html</link>
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    <pubDate>Wed, 22 Jul 2026 01:00:00 GMT</pubDate>
    <category><![CDATA[IT & Security]]></category>
    <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Nicholas Wan</dc:creator>
    <description><![CDATA[A PoE switch that runs out of watts silently starves your cameras. Here is the power-budget math — camera classes, AP draw, headroom and uplinks — so your Johor office network stays up.]]></description>
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    <title><![CDATA[AI and digital-skills courses are now HRDC-claimable — how to fund your team’s upskilling]]></title>
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    <pubDate>Wed, 15 Jul 2026 01:00:00 GMT</pubDate>
    <category><![CDATA[HRDC Training]]></category>
    <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Nicholas Wan</dc:creator>
    <description><![CDATA[HRD Corp’s 2026 course library now covers practical AI, data and digital-workplace skills. Here is what qualifies for SBL-Khas and how to file a claim that lands.]]></description>
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    <title><![CDATA[The Singapore buyer's guide to Johor property in 2026]]></title>
    <link>https://mynonstop.com.my/blog-singapore-buyer-guide.html</link>
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    <pubDate>Wed, 08 Jul 2026 01:00:00 GMT</pubDate>
    <category><![CDATA[Real Estate]]></category>
    <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Nicholas Wan</dc:creator>
    <description><![CDATA[CPF cannot cross the Causeway, the ringgit works in your favour, and the RM 1,000,000 foreign-buyer floor still applies. What a Singaporean needs to know before signing.]]></description>
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  <item>
    <title><![CDATA[Critical illness cover: multi-pay vs single-pay, and how many payouts you really need]]></title>
    <link>https://mynonstop.com.my/blog-ci-multipay-vs-single.html</link>
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    <pubDate>Wed, 01 Jul 2026 01:00:00 GMT</pubDate>
    <category><![CDATA[Insurance & Wealth]]></category>
    <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Nicholas Wan</dc:creator>
    <description><![CDATA[A single-pay CI plan ends the day it pays. Multi-pay keeps going through a relapse, a second condition, or early-then-late stages. Here is how to choose without overpaying.]]></description>
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    <title><![CDATA[Cloud vs local NVR: where your CCTV footage should actually live]]></title>
    <link>https://mynonstop.com.my/blog-nvr-cloud-vs-local.html</link>
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    <pubDate>Wed, 24 Jun 2026 01:00:00 GMT</pubDate>
    <category><![CDATA[IT & Security]]></category>
    <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Nicholas Wan</dc:creator>
    <description><![CDATA[Cloud subscription or a box in the back room? For a Johor shop or office the right answer is usually both — here is how we split recording, retention and PDPA duty.]]></description>
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    <title><![CDATA[HRD Corp's new grant rules from 15 June 2026: the 14-day wait, locked-in dates, and no more appeals]]></title>
    <link>https://mynonstop.com.my/blog-hrdc-2026-grant-rules.html</link>
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    <pubDate>Wed, 17 Jun 2026 01:00:00 GMT</pubDate>
    <category><![CDATA[HRDC Training]]></category>
    <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Nicholas Wan</dc:creator>
    <description><![CDATA[From 15 June 2026, Circular 2/2026 rewrites how every HRD Corp training grant is applied for. Get the new sequence wrong and the claim is gone — with no…]]></description>
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    <title><![CDATA[Door access control for Johor SME offices: cards, PINs and biometrics done right]]></title>
    <link>https://mynonstop.com.my/blog-access-control-sme.html</link>
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    <pubDate>Wed, 10 Jun 2026 01:00:00 GMT</pubDate>
    <category><![CDATA[IT & Security]]></category>
    <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Nicholas Wan</dc:creator>
    <description><![CDATA[Cards, PINs and fingerprints each have a place — and each has a PDPA and an audit-trail catch. Here's how to lock a Johor office or shoplot the right way…]]></description>
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    <title><![CDATA[Mid-year Johor market read: where prices actually moved]]></title>
    <link>https://mynonstop.com.my/blog-midyear-johor-market.html</link>
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    <pubDate>Wed, 03 Jun 2026 01:00:00 GMT</pubDate>
    <category><![CDATA[Real Estate]]></category>
    <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Nicholas Wan</dc:creator>
    <description><![CDATA[Six months into 2026, the corridor story is still the headline — but the price action underneath it has been anything but uniform. Here's what actually…]]></description>
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  <item>
    <title><![CDATA[Business interruption &amp; commercial cover for Johor SMEs]]></title>
    <link>https://mynonstop.com.my/blog-commercial-cover-sme.html</link>
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    <pubDate>Wed, 27 May 2026 01:00:00 GMT</pubDate>
    <category><![CDATA[Insurance & Wealth]]></category>
    <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Nicholas Wan</dc:creator>
    <description><![CDATA[Most small businesses insure the building and forget the income. The cover a Johor SME actually needs starts with the question: if you closed for a month…]]></description>
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    <title><![CDATA[Digital workplace training: collaboration tools, fully claimable]]></title>
    <link>https://mynonstop.com.my/blog-digital-workplace-training.html</link>
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    <pubDate>Wed, 20 May 2026 01:00:00 GMT</pubDate>
    <category><![CDATA[HRDC Training]]></category>
    <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Nicholas Wan</dc:creator>
    <description><![CDATA[Most teams use a fraction of the tools they already pay for. Digital-workplace training closes that gap — and on your HRD levy, it can cost the company nothing.]]></description>
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    <title><![CDATA[Smart-home security for the Singapore-commuter household]]></title>
    <link>https://mynonstop.com.my/blog-smart-home-commuter.html</link>
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    <pubDate>Wed, 13 May 2026 01:00:00 GMT</pubDate>
    <category><![CDATA[IT & Security]]></category>
    <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Nicholas Wan</dc:creator>
    <description><![CDATA[If your household crosses the Causeway to work, your home sits empty twelve hours a day. Smart-home security is built for exactly that gap — and it's simpler…]]></description>
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    <title><![CDATA[JS-SEZ and the Forest City financial zone: what it means for buyers]]></title>
    <link>https://mynonstop.com.my/blog-jssez-forest-city.html</link>
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    <pubDate>Wed, 06 May 2026 01:00:00 GMT</pubDate>
    <category><![CDATA[Real Estate]]></category>
    <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Nicholas Wan</dc:creator>
    <description><![CDATA[The Johor-Singapore Special Economic Zone and the Forest City financial zone are the two policy moves reshaping the southern market. Here's the buyer's-eye…]]></description>
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  <item>
    <title><![CDATA[PIDM, takaful and the FSA/IFSA split: who actually protects your policy]]></title>
    <link>https://mynonstop.com.my/blog-pidm-takaful-fsa.html</link>
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    <pubDate>Wed, 29 Apr 2026 01:00:00 GMT</pubDate>
    <category><![CDATA[Insurance & Wealth]]></category>
    <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Nicholas Wan</dc:creator>
    <description><![CDATA[When you buy a policy, who actually stands behind it if things go wrong? The answer is a layered system — BNM, PIDM, and the FSA/IFSA split — and it's worth…]]></description>
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  <item>
    <title><![CDATA[BNI Massive 高峰: how referral networking actually compounds]]></title>
    <link>https://mynonstop.com.my/blog-bni-massive-referrals.html</link>
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    <pubDate>Wed, 22 Apr 2026 01:00:00 GMT</pubDate>
    <category><![CDATA[HRDC Training]]></category>
    <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Nicholas Wan</dc:creator>
    <description><![CDATA[A referral isn't a lead — it's borrowed trust. Inside a structured chapter like BNI Massive, that trust compounds, and it's the quiet engine behind a lot of…]]></description>
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  <item>
    <title><![CDATA[BenQ Board vs a TV-and-laptop: the real cost over three years]]></title>
    <link>https://mynonstop.com.my/blog-benq-board-vs-tv.html</link>
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    <pubDate>Wed, 15 Apr 2026 01:00:00 GMT</pubDate>
    <category><![CDATA[IT & Security]]></category>
    <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Nicholas Wan</dc:creator>
    <description><![CDATA[A big TV and a laptop looks cheaper on day one. Over three years — with touch, software, warranty and claimable training in the picture — the maths usually…]]></description>
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  <item>
    <title><![CDATA[LTV 70% on your third property: financing the corridor play]]></title>
    <link>https://mynonstop.com.my/blog-ltv-70-third-property.html</link>
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    <pubDate>Wed, 08 Apr 2026 01:00:00 GMT</pubDate>
    <category><![CDATA[Real Estate]]></category>
    <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Nicholas Wan</dc:creator>
    <description><![CDATA[The financing, not the price, is what usually stops a third purchase. Once you understand the 70% cap, you can plan around it instead of being surprised by it.]]></description>
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  <item>
    <title><![CDATA[Last call: filing your 2025 taxes before 30 April (insurance edition)]]></title>
    <link>https://mynonstop.com.my/blog-tax-filing-deadline.html</link>
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    <pubDate>Wed, 01 Apr 2026 01:00:00 GMT</pubDate>
    <category><![CDATA[Insurance & Wealth]]></category>
    <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Nicholas Wan</dc:creator>
    <description><![CDATA[e-Filing closes 30 April. If you've been meaning to sort your reliefs, this is the article to act on — a ten-minute checklist before the portal locks.]]></description>
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  <item>
    <title><![CDATA[Cybersecurity awareness training you can claim under SBL-Khas]]></title>
    <link>https://mynonstop.com.my/blog-cybersecurity-sbl-khas.html</link>
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    <pubDate>Wed, 25 Mar 2026 01:00:00 GMT</pubDate>
    <category><![CDATA[HRDC Training]]></category>
    <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Nicholas Wan</dc:creator>
    <description><![CDATA[The weakest point in your security isn't the firewall — it's the click. A half-day awareness session, fully claimable under SBL-Khas, is the cheapest risk…]]></description>
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    <title><![CDATA[Full-color night CCTV for shoplots: a VIGI deployment guide]]></title>
    <link>https://mynonstop.com.my/blog-vigi-cctv-shoplot.html</link>
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    <pubDate>Wed, 18 Mar 2026 01:00:00 GMT</pubDate>
    <category><![CDATA[IT & Security]]></category>
    <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Nicholas Wan</dc:creator>
    <description><![CDATA[A row of shoplots is a specific surveillance problem: wide frontage, dark five-foot ways, and glass that blows out in headlights. Here's how we spec a VIGI…]]></description>
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    <title><![CDATA[Medical card inflation and the co-payment ruling: keeping cover affordable]]></title>
    <link>https://mynonstop.com.my/blog-medical-copayment-2024.html</link>
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    <pubDate>Wed, 11 Mar 2026 01:00:00 GMT</pubDate>
    <category><![CDATA[Insurance & Wealth]]></category>
    <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Nicholas Wan</dc:creator>
    <description><![CDATA[Medical card premiums have jumped across the board, and the co-payment reforms changed how the cover works. Dropping your plan is rarely the answer…]]></description>
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    <title><![CDATA[Foreign buyer rules in Johor 2026: the RM1 million floor and MM2H]]></title>
    <link>https://mynonstop.com.my/blog-foreign-buyer-johor.html</link>
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    <pubDate>Wed, 04 Mar 2026 01:00:00 GMT</pubDate>
    <category><![CDATA[Real Estate]]></category>
    <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Nicholas Wan</dc:creator>
    <description><![CDATA[Johor is one of the most accessible markets in the region for foreign buyers — within clear price floors. Knowing the exact thresholds is the difference…]]></description>
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    <title><![CDATA[The HRD levy explained: who pays, how much, and what you can claim back]]></title>
    <link>https://mynonstop.com.my/blog-hrd-levy-explained.html</link>
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    <pubDate>Wed, 25 Feb 2026 01:00:00 GMT</pubDate>
    <category><![CDATA[HRDC Training]]></category>
    <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Nicholas Wan</dc:creator>
    <description><![CDATA[If you employ ten or more Malaysians, you're almost certainly paying the HRD levy already. The real question is whether you're getting it back as training.]]></description>
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    <title><![CDATA[Omada vs consumer Wi-Fi: when your office should upgrade]]></title>
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    <pubDate>Wed, 18 Feb 2026 01:00:00 GMT</pubDate>
    <category><![CDATA[IT & Security]]></category>
    <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Nicholas Wan</dc:creator>
    <description><![CDATA[The home router that served three people will quietly throttle thirty. Knowing when to move to a managed network saves you the worst kind of downtime — the…]]></description>
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    <title><![CDATA[Whole-life vs investment-linked: a plain-language comparison]]></title>
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    <pubDate>Wed, 11 Feb 2026 01:00:00 GMT</pubDate>
    <category><![CDATA[Insurance & Wealth]]></category>
    <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Nicholas Wan</dc:creator>
    <description><![CDATA[Two policies, two completely different promises. One guarantees a number; the other rides the market. Most confusion comes from comparing them as if they're…]]></description>
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    <title><![CDATA[Stamp duty &amp; RPGT in 2026: the real cost of selling Johor property]]></title>
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    <pubDate>Wed, 04 Feb 2026 01:00:00 GMT</pubDate>
    <category><![CDATA[Real Estate]]></category>
    <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Nicholas Wan</dc:creator>
    <description><![CDATA[Buying is taxed once; selling is taxed twice. Before you list a Johor unit, run the stamp-duty ladder and the RPGT clock — here it is on a real RM 650,000…]]></description>
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    <title><![CDATA[Claiming BenQ Board training from your HRD Corp levy — step by step]]></title>
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    <pubDate>Wed, 28 Jan 2026 01:00:00 GMT</pubDate>
    <category><![CDATA[HRDC Training]]></category>
    <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Nicholas Wan</dc:creator>
    <description><![CDATA[If you pay the HRD levy, training on a BenQ Board can cost your company close to nothing. The catch is the paperwork — so here is the clean path.]]></description>
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    <title><![CDATA[PDPA and your CCTV: what every Johor SME must get right in 2026]]></title>
    <link>https://mynonstop.com.my/blog-pdpa-cctv-sme.html</link>
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    <pubDate>Wed, 21 Jan 2026 01:00:00 GMT</pubDate>
    <category><![CDATA[IT & Security]]></category>
    <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Nicholas Wan</dc:creator>
    <description><![CDATA[CCTV is the cheapest security a Johor shoplot can buy — and the easiest way to land on the wrong side of the PDPA if you skip the basics.]]></description>
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    <title><![CDATA[Your 2026 tax-relief checklist: the insurance reliefs most Malaysians miss]]></title>
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    <pubDate>Wed, 14 Jan 2026 01:00:00 GMT</pubDate>
    <category><![CDATA[Insurance & Wealth]]></category>
    <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Nicholas Wan</dc:creator>
    <description><![CDATA[The e-Filing window opens 1 March and closes 30 April. Most of the insurance reliefs you're entitled to are easy to claim — and just as easy to forget.]]></description>
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    <title><![CDATA[RTS Link 2027: the five Johor pockets we're buying into]]></title>
    <link>https://mynonstop.com.my/blog-rts-link-johor.html</link>
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    <pubDate>Wed, 07 Jan 2026 01:00:00 GMT</pubDate>
    <category><![CDATA[Real Estate]]></category>
    <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Nicholas Wan</dc:creator>
    <description><![CDATA[The Bukit Chagar–Woodlands shuttle is targeted to start carrying passengers in December 2026, fully operational by January 2027. The corridor premium is…]]></description>
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