Pelajar UiTM mohon bantuan kos rawatan dialisis

KUALA KETIL: Seorang penuntut Universiti Teknologi Mara (UiTM) Shah Alam yang menderita sakit buah pinggang sejak tahun lalu merayu bantuan orang ramai bagi menampung kos rawatan terlalu tinggi.

Nornadia Adnan, 21, kini bercuti dan menetap bersama keluarganya di Taman Tanjung Puteri di sini bagi menjalani rawatan dialisis di Hospital Sultan Abdul Halim (HSAH) Sungai Petani.

Ibunya, Hamidah Noor, 48, berkata doktor di HSAH mengesahkan Nornadia menghidap penyakit buah pinggang serius dan perlu menjalani rawatan dialisis tiga kali seminggu dengan kos kira-kira RM450.

“Nornadia mula menerima rawatan sejak November lalu dengan kos rawatannya dibiayai UiTM, namun hingga bulan ini saja dan mulai Mac depan, semua perbelanjaan berkaitan rawatannya perlu kami sediakan.

“Bayangkan, untuk tiga kali rawatan kami perlu menyediakan RM450 seminggu dan sebulan berjumlah RM1,800. Mana kami nak cari wang sebanyak itu,” katanya ketika ditemui di rumahnya, semalam.

Bapanya, Adnan Mahmud, 49, yang bekerja sendiri memperoleh pendapatan kira-kira RM500 sebulan dan perlu menyara isteri serta empat anak, sekali gus tidak mampu menanggung kos rawatan Nornadia.

Nornadia, bekas pelajar cemerlang Sekolah Menengah Sains Sultan Mohd Jiwa, Sungai Petani mengambil pengajian dalam bidang Sains Fizik di universiti terbabit dan kini bercuti sehingga Jun depan bagi menjalani rawatan penyakit dihidapinya.

Nornadia berkata, dengan keadaan dirinya sekarang, pihak UiTM diharap memberi peluang kepadanya untuk meneruskan pengajian kerana dia berazam membela nasib keluarga apabila bekerja kelak.

“Saya bersyukur dan berasa lega kerana menerima bantuan bulanan Jabatan Kebajikan Masyarakat (JKM) RM300 sebulan, tetapi belum cukup bagi menampung kos rawatan dialisis yang perlu dibuat selagi belum pulih,” katanya.

Sementara itu, Setiausaha Jawatankuasa Kariah Masjid Jamek Kuala Ketil, Rahim Ahmad, 63, berkata pihaknya menyediakan tabung khas mengumpul dana Nornadia yang diletak di masjid terbabit bagi mendapatkan sumbangan daripada orang ramai.

“Sebelum solat Jumaat, kita buat pengumuman supaya jemaah dapat menghulurkan sumbangan bagi mengisi tabung berkenaan dan diharap dengan cara itu dapat membantu mengumpul dana untuk membiayai kos rawatan Nornadia.

“Selain itu, saya akan menghubungi Gabungan Pelajar Melayu Semenanjung (GPMS) cawangan Kedah bagi mendapatkan bantuan,” katanya.

Orang ramai yang simpati dan ingin menghulurkan bantuan boleh menghubungi bapa Nornadia, Adnan di talian 017-4435479 atau ke akaun Bank Islam Nornadia, 07052020066161.

myMetro
2010/02/27

berapakah kos ansuran bulanan kereta anda ?

Seperti diketahui ramai harga kereta di Malaysia adalah antara yang paling tertinggi di dunia dan purata gaji rakyat Malaysia boleh dikata dibawah paras sepatutnya.

Purata gaji lepasan universiti untuk kerja pertama adalah didalam lingkungan RM 2000.00.
Apakah jenis kereta , yang mampu dibeli dengan gaji RM 2000.00 jika 15% diambil untuk pembayaran ansuran kereta.

Gaji dibawa pulang : RM 2000.00
Ansuran bulanan : 15% x RM 2000 = RM 300
Tempoh pembiayaan 7 tahun
Harga kereta : RM 300 x 7 x 12 = RM 25,200

Jika dilihat daripada jumlah diatas dengan purata gaji lepasan universiti tidak mampu membeli apa apa jenis kereta baru pun yang terdapat dipasaran Malaysia.

Persoalannya sekarang jika anda bergaji RM 2000 kereta apakah yang anda pandu sekarang dan adakah pembayaran ansuran bulanan kereta anda membebankan anda?

Berapakah yang saya perlu bayar untuk perlindungan komprehensif takafulink?

Ini merupakan soalan yang biasa di tanya oleh prospek bila time presentation. Berapa agak agak saya kena bayar bulan bulan untuk perlindungan prudential BSN takafulink?

Soalan ini bergantung kepada jenis perlindungan macam mana yang anda mahu. Selalunya setiap kali berjumpa dengan prospek saya akan mulakan dengan soal selidik. Soal selidik yang saya tanya terdiri dari tiga bahagian.

Bahagian 1 : income protection.

Soalan ni merupakan soalan yang paling penting untuk ditanya kepada anda untuk mengetahui berapakan nilai income yang anda ingin beliau lindungi andai kata berlaku musibah dari segi hilang upaya kekal ataupon sakit kritikal. Jika anda bekerja sebagai engineer dan mempunyai pendapatan RM 3000 sebulan. Ini bermakna pendapatan tahunan prospek adalah RM 36,000.

Saya akan tanya berapa tahun gajikah yang anda ingin lindungi dengan Prudential BSN takafulink. Jika anda menjawab 3 kali gaji tahungan , ini bermakna nilai income protection adalah RM 108,000.

RM RM 36,000x3 = RM 108,000.

Inilah nilai yang diperlukan oleh anda untuk meneruskan hidup jika anda kehilangan pekerjaan disebabkan hilang upaya kekal dan sakit kritikal.

Bahagian 2 : Health Protection

Soalan yang saya akan tanya kepada prospek di bahagian ini adalah
anda perlukan setiap tahun untuk rawatan di hospital swasta?

Bilik bagaimanakah yang anda ingin diami ketika menerima rawatan ? Sebilik seorang , sebilik dua orang ataupun sebilik 3 orang.

Berapakah wang saku yang ingin anda terima? RM 200,RM300 atau RM 400.


Bahagian 3 : Saving

Soalan yang saya akan tanya dibahagian 3 , adalah

Adakah anda ada membuat saving di bank atau ditempat tempat lain seperti ASB atau unit trust.

Pada pendapat saya sebagai perunding kewangan adalah bijak untuk meletakkan simpanan anda dibeberapa tempat yang berlainan. Simpan sebahagian daripada simpanan anda di takafulink kerana simpanan/pelaburan anda akan dilindungi andakata anda mengalami hilang upaya kekal atau sakit kritikal dimasa hadapan.

Daripada data yang diperolehi , saya akan dapat membuat cadangan takafulink yang bersesuaian dengan keperluan anda dan keluar anda.

Jika anda ingin mendapat perlindungan komprehensif Prudential BSN Takafulink yang bersesuaian dengan situasi anda , Sila call saya untuk 20-30 minutes appointment.

012-3287042
Noor Azam Md Zaki
Prudential Assurance Malaysia Berhad
Prudential BSN Takaful

How to insure your career?

The following is a guest post from FMF at Free Money Finance. If you’d like daily tips, thoughts, and suggestions on how to grow your net worth, subscribe to Free Money Finance for free by clicking this link.

For most people, their career is their most valuable financial asset. Nothing else they own is likely worth as much (several million dollars over a lifetime). And even if they do have something more valuable (like an investment portfolio), it was probably earned as a result of their career.

As with anything valuable, you need to take steps to protect your career. That’s why financial websites recommend life, health, and disability insurance — to protect/replace the value of your career in case you die, get sick, or are physically unable to work. Having some of these insurances is wise for almost every worker. But there’s another form of insurance that’s equally essential.

This insurance is free — but it takes some work and planning. Its benefits go far beyond the time it takes to implement the steps involved. And in addition to increased income, this insurance may even give you more job satisfaction, less stress, and a longer life. Interested?

I’ll call it “Career Insurance”. Career Insurance isn’t a product you can buy, but a series of steps you can take to minimize the chance that your career will suffer a major catastrophe.

The benefits of career insurance
Career Insurance can help you avoid the following situations:

• Being fired or laid off. When you lose your job, you don’t just lose your income, but your career progress is halted. You lose valuable time, which limits the compounding growth of your earnings. Plus, when you consider that many people have to take a step back in their careers when they finally do find a new position, you realize just how bad a firing or layoff can be.
• Long layoff time. Even if you take steps to avoid firing or layoffs, it can still happen. If you’re let go, you must focus on minimizing the time that your career is in limbo. The longer you’re laid off, the longer your most valuable asset stagnates and the more likely you are to take a job that’s far below your previous level.
• Financial strain. This step doesn’t protect your career per se, but it minimizes the pain associated with losing a job. You’ll have less stress, more energy, and extra time to focus on finding new work.
• Physically unable to work. No work equals no pay. There are things you can do to prevent illness and injury, as well as things you shouldn’t do to maintain good health.

Let’s take a closer look at how you can protect yourself from these hazards by developing your own Career Insurance.

How to protect yourself from being fired or laid off
Make yourself more valuable/indispensable to your employer. Let’s face it, even in the worst environment imaginable, the ones who keep the ship afloat are the last ones fired from the crew. So deliver more than what’s expected for your position (and more than most or all others in your organization/department).

In particular, if you can contribute to the organization’s bottom line on a regular basis by saving it money and/or growing revenue, you’re usually untouchable. Oh, and don’t forget to be likable as well. Yes, jerks who produce are still kept on staff, but they’re fired before productive nice guys!

Find a mentor. Having someone above you in the organization who can guide and direct you has many benefits. A mentor can help propel your career by making you more effective, help you accomplish more, and pave the way for promotions and raises. All of these are great reasons for having a mentor. But there are other benefits — Career Insurance benefits.

A mentor can watch your back when firings and layoffs occur. He may put in a good report for you in key meetings. At the least, he might be able to give you advanced warnings as to when layoffs could be coming, so you can get a jump on finding a new job.

Network inside the company. In addition to having a mentor, you should develop good contacts throughout the company at various levels. Again, these can help protect you in troubled times.

Once when my company was facing layoffs, I had another executive speak up on behalf of one of my employees because she had also worked with his department on a key project. In the end, his defense helped sway committee decisions and she was able to keep her job. You never know how or when someone can help you, but the more people you have looking our for your best interests, the better off you are.

How to minimize layoff time
Network to develop contacts outside your company. Networking is a key way to grow your career. One major benefit: It connects you with people who can assist you in finding new work. Statistics show that a majority of jobs are placed by networking, so the bigger your network, the better chance that you can use it to find a suitable job quickly.

Work to broaden your contacts through lunch dates, seminars, trade shows, industry events, volunteer activities, social media, common interests, and more. And of course, a network doesn’t only work when you are out of work. It’s helpful when you’re employed and want to make a change too.

Refresh your resumé. You should keep track of your work accomplishments on a regular basis — it’s part of a systematic way to get raises and promotions — so you’ll always have a handy list of what you’ve done and how you’ve performed. (By the way, having a system will make sure you don’t forget anything major.) These will allow you to develop an updated resumé immediately if you’re let go. Your list will also allow you to be sure your resumé is full of high-end accomplishments. Update your resumé as quickly as possible, and get it out to your network pronto.

Get an employment contract. While this won’t get you a job faster, it will basically extend your current income for a period of time. The ultimate in protection, an employment contract is usually held by top-level executives and other key personnel. But if you can obtain this status, you know that even if you’re let go, your company will have to pay your salary for the stipulated amount of time — usually six months or a year — even if they fire you. Usually this is more than enough time to find new employment without disrupting your career.

How to minimize financial strain
Develop outside streams of income. If you get fired, one way to cushion the blow is to have income from other sources. It might not provide the level of earnings you’re used to, but some money coming in is certainly better than no money coming in.

Suggestions to bring in more money:

• Explore money-making hobbies
• Start your own business on weekends or evenings (I like to referee soccer matches)
• Work on growing your investments (if you have savings/investments they can sometimes be reallocated to produce income)

Consider all the ways that you might be able to earn more money, select one or two that work for you, and start now in getting them developed. Even if you never need them in case of a job loss, the extra income will still come in handy.

Increase the amount in your emergency fund. A primary reason for having an emergency fund is to provide for your needs in case you lose your job. And the less stable your job situation (or the more likely a layoff could be coming), the more you need in an emergency fund. Almost everyone should have at least six months of living expenses saved up in case of a loss in income. If you’re in an uncertain industry, company, or position, work now to bump that up to give yourself protection commensurate with your risk.

How to protect yourself from physical disability
Disability Insurance. Yes, this is a traditional insurance product, so maybe it shouldn’t be part of this article. But it’s also probably the most ignored insurance product on the market — and yet it protects your largest asset. You must get some sort of disability insurance coverage. Sometimes this will be provided through your employer, but many times the level of coverage is not adequate. Make sure any disability policy you have will replace at least 60% of your income and will kick in before your emergency fund runs dry.

Keep/get in good shape. If your body isn’t functioning fully, you can’t work to your full potential (which isn’t good for your job security.) So follow mom’s suggestions: Eat properly, get plenty of rest, exercise, drink water, and keep stress as low as possible. (And don’t forget that J.D. is co-author of a fitness blog!)

Take precautions against sickness. If you’re sick, you can’t work. If you can’t work, you won’t get paid. At a minimum, being sick will cost you valuable vacation time. And feeling poorly always negatively impacts your performance. So follow mom’s other set of instructions: Wash your hands (especially during cold and flu season), take action at the first signs of sickness (drink fluids and get plenty of rest), seek medical help when needed, and “don’t smoke, drink, or chew or hang with those that do”. By taking care of your body, you’ll not only be a better employee, you could also get the added benefit of prolonging your life.

A word of warning
Of course, no Career Insurance plan will work 100% of the time. Despite all of these precautions, the perfect storm could occur and sidetrack your career a bit. But Career Insurance will certainly help you weather the storm, minimize any damage, and ultimately move your career along. So get started today developing your own Career Insurance and ensure that your most valuable financial asset is protected the way it should be.

Over the years, FMF has provided several guest posts at Get Rich Slowly, including the awesome Five Steps to Six Figures in Seven Years (from last October 15th) and the controversial Why Religion is an Important Part of Personal Finance.

Prudential : Pru Multiple Crisis Cover

PRUmultiple crisis cover is a term plan that recognizes the need for enhanced protection and peace of mind. This plan not only covers you against death, Total and Permanent Disability (TPD), it also protects you against a wide range of critical illnesses and allows you to make MULTIPLE critical illness and cancer claims. But not only that, you may also add on supplementary benefits that will further enhance your PRUmultiple crisis cover plan, which means you can customise this plan with features that would best suit your needs.

What do I get?

Critical illnesses claims of up to THREE times

You can make up to THREE* critical illness claims from a comprehensive and wide-ranging list of illnesses, giving you peace of mind that you are covered again and again.

Coverage for TWO instances of Cancer

PRUmultiple crisis cover allows you to make up to TWO cancer claims, giving you added protection when you need it most.

WAIVER of PREMIUMS upon diagnosis of critical illness

On the first diagnosis of a critical illness, PRUmultiple crisis cover will WAIVE ALL FUTURE PREMIUMS, so that you can concentrate on getting your health back on track without any additional worry.

COMPREHENSIVE coverage for death, disability and critical illnesses

We truly understand when you need help the most by giving your loved ones and yourself death and Total and Permanent Disability (TPD) benefits in addition to the protection for a wide range of critical illnesses. *Subject to terms and conditions.

How much do I pay? The premium will be determined by the sum assured. Examples as follows:

i. For a male non-smoker, with a sum assured of RM100,000

AGE POLICY TERM Annual Premium Rate (RM) 25 20 559 30 654 35 20 1058 30 1377 45 20 2769 30 3735

ii. For a female non-smoker, with a sum assured of RM100,000

AGE POLICY TERM Annual Premium Rate (RM) 25 20 524 30 636 35 20 1083 30 1316 45 20 2428 30 3060

For full premium rate details, please refer to the premium rate table: Male Non Smoker Male Smoker Female Non Smoker Female Smoker

Who can sign up? This plan is for anyone aged between 1 - 65 years old next birthday who wants

Peace of mind provided by multiple protection against critical illnesses; or A product that complements existing medical insurance to ensure protection beyond hospitalisation. Download Brochure

Prudential : Pruhealth Medical Card, The plan that pays you when you're healthy, pays your bill when you're not

Most of us realise the importance of having a medical plan to safeguard ourselves against unexpected and costly major medical bills. More often than not, we pay our premiums every year without fail for round-the-clock protection. However, not all of us make a claim each and every year. What if you can now purchase a plan that rewards you with yearly bonuses of up to RM500 when you do not make a claim, whilst you continue to enjoy peace of mind through the comprehensive health and medical coverage?

Introducing PRUhealth a regular premium medical rider that:

Gives you bonuses when you are healthy Takes care of your medical bills when you are not

You will also be issued a PRUassist card, giving you access to 24-hour, worldwide, Emergency Medical Assistance.

What do I get?

COMPREHENSIVE coverage for hospitalisation and surgery bills NO CLAIMS BONUS Option to SEEK MEDICAL TREATMENT OVERSEAS* AUTOMATIC UPGRADE OPTION of your PRUhealth plan* CHOICE to CHANGE your coinsurance option An option to WAIVE the annual claims limit* CHOICE of plans to suit your budget Coverage of up to age 100

You can select a plan of your choice:

With PRUHealth as your medical card, you can be can be sure of easy hospital admission. Just present the PRUHealth medical card upon hospital admission. PRUHealth covers comprehensively the hospital bill which will include:- a) Doctor Consultation Fee b) Surgical Costs (minor and major) c) Medicine d) ICU e) Room Fee f) Pre-Hospitalization g) Post-Hospitalization h) Day Surgery Benefit i) Cancer Treatment j) Kidney Dialysis k) International Coverage Note: Coinsurance is a cost-sharing arrangement under which the policyholder pays a specified percentage of the cost of an eligible benefit. If coinsurance is selected, policyholder will have to pay 10% of cost of an eligible benefit, subject to minimum coinsurance amount of RM300 and maximum coinsurance amount of RM1,000 for Hospital & Surgical Benefit, and maximum coinsurance amount of RM2,000 for Outpatient Treatment Benefit. The remaining balance is paid by the Company up to the annual limit. On the other hand, deductible is a fixed amount the policyholder must first pay regardless of the total cost of an eligible benefit (excluding cost of daily room & board) for any one disability during a 90-day period. If deductible of RM3,000 or RM10,000 is selected, policyholder will have to pay the first RM3,000 or RM10,000 of the total cost of an eligible benefit (excluding cost of daily room & board). The remaining balance is paid by the Company up to annual limit. ** PRUhealth 500 and PRUhealth 600 are only available when PRUmedic auto upgrade is attached to PRUhealth 300 and PRUhealth 400 plans. This benefit cannot co-exist with PRUannual limit waiver.

How much do I pay?

The premium that you pay for a PRUhealth plan is determined by your age, occupation class and plan type, subject to underwriting.

To find out more

You can take up PRUhealth when you purchase PRUlink one or PRUmy child policies. Download Brochure

Prudential : Prulady plan

As a woman, you will play many different roles and shoulder many responsibilities throughout your life - whether as a daughter, sister, wife, mother, niece, auntie, grandmother or friend. That's why we've developed our range of PRUlady plans to give you the health assurance you deserve as a woman. PRUlady for example not only gives you financial protection against female cancers and other female-specific illnesses, but also addresses your post-diagnosis and recovery needs to help you get your life back on track. For instance, not only will you receive 100% of your sum assured if you're diagnosed with breast cancer, but you'll receive an extra 30% sum assured to pay for breast reconstructive surgery. And for mothers-to-be, there's PRUlady plus which provides protection against complications that can arise during pregnancy, as well as treatment for newborn congenital illnesses.

What do I get? A rider to supplement to the PRUlink assurance plan, PRUlady provides protection for women of all ages by offering: Three levels of sum assured to choose from - RM50,000, RM100,000 or RM150,000 - depending on what you can afford and the extent of protection you require. Coverage on: Female-related cancers: Cancer of the Breast, or Cancer of Cervix Uteri, or Cancer of Fallopian Tubes, or Cancer of Ovary, or Cancer of Uterus, or Cancer of Vagina/Vulva OR Systemic Lupus Erythematosus with Lupus Nephritis 100% of your sum assured Carcinoma-in-situ of Breast or Cervix Uteri Note: When subsequently diagnosed with female-related cancer or Systemic Lupus Erythematosus with Lupus Nephritis, we will pay the remaining 70% balance of your sum assured. 30% of your sum assured Any one of the following: Rheumatoid Arthritis with Complication, or Breast Reconstructive Surgery, or Facial Reconstructive Surgery due to accident, or Skin Grafting due to burns or skin cancer, or Osteoporotic Fracture 30% of your sum assured How much do I pay? It's so affordable! Your premium depends on your age, the plan and the sum assured that you choose. For example, if you are 18 years old and you have chosen a PRUlady plan with a sum assured of RM100,000, expiring at age 60, you will pay RM488 a year. If you are 30 years old, you will pay RM715 a year for the same plan. Your PRUlady premium will be added to the total annual premium of your PRUlink one plan. Who can sign up? This plan is available to ladies between 18 and 60 years old (or 50 years old if you choose to receive coverage only up till age 60). You can choose to be covered up till age 60, 70 or 80. Download Brochure

PRUBSN :Takafulink Plan

Takafulink

How does the Takafulink plan work for me?

For your protection

We’ll help you plan the level of protection suitable for you by guiding you through all elements of the Takafulink plan.

Who can take up the Takafulink plan?

Anyone between 19 and 60 years old can take up the plan. You can also take up the plan. You can also take up this plan for your child who is under 19 years of age.

How do I start?

First, determine your protection needs, such as your basic cover and other optional and supplemental benefits. Then, decide on an affordable amount to set aside every month.

PruBSN Takaful : Takaful Health

Takaful Health

Takaful Health is all that you NEED:

What is Takaful Health?

Takaful Health is a regular contribution medical rider plan that reimburses major medical expenses incurred in the event of hospitalization, surgery or outpatient treatment. This plan also rewards certificate holders with No Claims Bonus (NCB) for those who do not make any claims for the year.

Who is entitled for Takaful Health?

This plan is offered to individuals, aged 1 to 60 years old next birthday, who want a plan that not only takes care of their medical expenses but REWARDS them for staying healthy.

How can I take up Takaful Health?

You can take up Takaful Health when you participate in Takafulink plan or Takafulink Cerdik plan.

How much contribution do I need to pay?

The contribution that you pay for your Takaful Health plan is determined by your age, occupation class and plan type, subject to underwriting. The contributions are payable throughout the duration of the plan. Contributions need to be paid throughout the lifetime of the plan. Contributions can be paid yearly, half yearly, quarterly or monthly via Auto Debit, Credit Card, Cash or Cheque.

Takaful Health the plan that REWARDS you

I’m healthy. Why should I take Takaful Health?

You should be prepared for the unexpected even though you are healthy. With Takaful Health, we will take care of you should fall ill and reward you with an NCB if you do not make any claims for the year. The NCB will be paid into your Investment Unit Account (IUA) the following year. If you have chosen a higher plan, then the NCB that awaits you will be bigger.

Medical cost is increasing. How can Takaful Health assist me?

Why limit the amount you can claim within a year? Attach the Annual Limit Waiver and this rider plan will waive the annual limit of your Takaful Health plan. Now, you don’t have to worry about any unexpected large medical claims. Annual Limit Waiver can only be attached to Takaful Health 200, 300 and 400 plans. When the Annual Limit Waiver is attached, claims amount exceeding the annual limit will be subjected to a co-takaful amount of 10 %.

How does Takaful Health pay for overseas medical treatment?

If you receive medical treatment overseas, the benefits are paid according to the costs of treatment that would be reasonably charged by a hospital in Malaysia. No benefit is paid if you overseas for more than 90 days per trip.

Will I get the surplus & investment profit sharing?

Eligible participant is entitled to receive 70% of the underwriting surplus arising from the Tabarru’ Fund at the end of each financial year if any, while the balance of 30% will be set as Contingency Reserve in the Tabarru’ Fund. The surplus will be distributed to the participants via a credit in to their Individual Special Account (ISA).

Any investment profit from ISA and Tabarru’ Fund will be shared between the participants and the Takaful Operator in the ratio of 70%:30%.

Medical Expenses : expenses that cannot be avoided

Increasing Medical Cost

Medical costs cannot be reduced or cut as one grows older. The best solution is to plan for this expense. Says Professor Dr Khoo Ee Ming , who is with the Department of Primary Care at University Malaya , plan for medical expenses of RM 500,000 to RM 2 Million for an estimated retirement of 30 years. This amount includeds the cost of hiring a carer , if needed.

Lebih banyak hutang lebih tinggi status kita , adakah ini benar?

Adakah status kita meningkat dengan memandu kereta mewah?

Anda selalu memandang tinggi seseorang apa beliau memandu kereta mewah. Tetapi adakah berbaloi membeli kereta mewah jika diluar kemampuan sendiri. Jika gaji bulanan RM 2000 adakah berbaloi membayar wang ansuran kereta sehingga RM 1000 sebulan sedangkan anda tahu nilai kereta akan turun hampir 30% sebaik sahaja dikeluarkan daripada showroom.Kenapa anda perlu mengorbankan keperluan yang lebih penting hanya untuk menunjuk kepada rakan ,keluarga dan orang sekeliling yang anda berjaya.



Adakah status kita meningkat dengan 3-4 kad kredit didalam wallet?

Kenapa anda memerlukan kredit kad ? Sebagaimana yang kita tahu kredit kad akan mengubah cara berbelanja dengan cara yang salah. Bil meningkat dari bulan ke bulan dengan interest yang tinggi dan akhirnya anda tidak mampu dan diistiharkan bankrap. Adakah kad kredit melambangkan status anda? fikirkan kembali.

Real Estate : Apakah kos kos yang perlu saya bayar jika hendak menjal rumah?

Persoalan biasa yang akan timbul bila kita ada property , nak sewa atau nak jual.
Jikalau kita nak jual property apakah kos yang perlu fikirkan ? Andaikata property yang dibeli ketika masih dalam pembinaan , kite perlukan fikirkan tentang legal fees,stamp duties dan juga interest yang dikenakan ketika waktu pembinaan.

Jika anda ingin menjual property yang sudah siap , anda mungkin terpaksa membayar agency fees yang mana hampir 3% dari harga jualan. ( 2.75 untuk RM 500,000 pertama dan 2% untuk nilai selepas RM 500,000) , legal fees antara 0.4% hinggia 1% dari harga jualan.

Anda kata anda mengambil pinjaman dengan lock-in period , anda perlu membayar penalty interest yang mana mungkin 2% or 3% daripada nilai pinjaman anda.

Real property gains tax (RPGT) sebanyak 5% juga akan mengurangkan untung anda jika anda menjual property anda kurang daripada lima tahun dari tarikh pembelian.Proses penjualan property akan memakan masa , bergantung kepada lokasi anda perlu menunggu sekurang kurangnya 3 bulan untuk proses penjualan lengkap. Pada masa yang sama anda masih perlu menanggung loan interest dan maintenance charges sehinggalah kunci berpindah tangan.

Prudential Prulink one Plan

PRUlink one direka untuk memenuhi keperluan pelanggan pada setiap peringkat kehidupannya... memberikan mereka perlindungan sepenuhnya melalui manfaat perubatan dan kemalangan baru serta inovatif serta kombinasi peluang pelaburan tempatan dan global! Tambahan pula, PRUlink one menawarkan bonus ketaatan kepada pelanggan yang mempunyai rekod pembayaran premium yang baik!

BARU: Manfaat perubatan dan opsyen yang boleh didapati untuk PRUhealth
PRUhealth bukan saja memberi ganjaran kepada pelanggan dengan Bonus Tanpa Tuntutan (NCB), malah kini pelanggan anda juga boleh memiliki kebebasan serta kawalan ke atas manfaat PRUhealth mereka sama seperti PRUlink one. Manfaat dan opsyen baru yang boleh didapati:

PRUmedic overseas

Membolehkan pelanggan anda mendapatkan rawatan perubatan untuk 5 jenis penyakit yang dilindungi di Singapura, Hong Kong dan China.

PRUmedic auto upgrade

Naik taraf PRUhealth SECARA AUTOMATIK ke paras pelan seterusnya pada ulang tahun ke-5 dan ke-10 manfaat rider tanpa mengira keadaan kesihatan pelanggan dan sebarang tuntutan perubatan yang telah dibuat sebelum ini. (tertakluk kepada terma & syarat).

Pilihan untuk deduktibel lebih tinggi

Pelanggan anda kini boleh memilih antara koinsurans sedia ada, RM 3,000 atau RM 10,000 bagi PRUhealth. Bagi mereka yang mempunyai pelan perubatan sedia ada, PRUhealth dengan deduktibel lebih tinggi merupakan pilihan ideal sebagai pelan perubatan tambah nila.

Bagaimanakah pilihan deduktibel ini dapat membantu anda yang sudah mempunya coverage perlindungan dari syarikat tempat anda bekerja. Jika Coverage dari syarikat anda bekerja adalah RM 10,000 setiap tahun. Jadi anda boleh menggunakan opsyen RM 10,000 deduktible dimana prudential tidak akan membayar kos perubatan yang bernilai kurang dari RM 10,000. Anda boleh menggunakan Insurance yang disediakan oleh syarikat and dan hanya menggunakan medical card prudential jika kos rawatan bernilai lebih dari RM 10,000. Faedah yang anda akan perolehi jika menggunakan deduktibel adalah premium yang dikenakan akan rendah.

PruBSN Takafulink Quotation : Male ,age next birthday 25 ,occupation class 1 ,Non smoker RM 200 per month

Takafulink RM 70,000 ( Death & Total permanent disability benefit)
Crisis Shield RM 70,000 ( Critical illness )
Accidental Death & Disablement RM 90,000
Accidental Medical Reimbursement RM 2000
Takaful Health Room and board RM 200
Annual limit RM 75 000
Lifetime limit RM 750,000
Ward Allowance RM 200 perday
ICU Allowance RM 100 perday
Surgery Allowance up to RM 2,500 depends on the severity of the surgery
Contributor ( Auto saving) RM 2400 P.A.

Projection for investment ( Cash Value ) - Not guaranteed

Year 10 RM 12,940
Year 20 RM 38,856
Year 30 RM 58,522

PruBSN Takafulink Quotation : Male ,age next birthday 25 ,smoker,occupation class1, RM 200 per month

Takafulink RM 65,000 ( Death & Total permanent disability benefit)
Crisis Shield RM 65,000 ( Critical illness )
Accidental Death & Disablement RM 90,000
Takaful Health Room and board RM 200
Annual limit RM 75 000
Lifetime limit RM 750,000
Ward Allowance RM 200 perday
ICU Allowance RM 100 perday
Surgery Allowance up to RM 2,500 depends on the severity of the surgery
Contributor ( Auto saving) RM 2400 P.A.

Projection for investment ( Cash Value ) - Not guaranteed

Year 10 RM 13,162
Year 20 RM 38,314
Year 30 RM 55,396

Do you need health insurance?

All along, people think health insurance as an option; you can live with or without it. Well, the truth is, you can't ignore it, it is very important to have health insurance, especially with the high rising medical cost in recent years. If you don't have any health insurance coverage, when the times comes where you need to receive medical attention or services, you will have to pay the entire fee from your own pocket and that can be a huge financial burden. If it is a serious illness, that can means several thousand of ringgits and are you prepare for it or in simple terms, do you have the financial ability to pay for it? Again, some people think that they are health and strong and won't get any illness easily. That's a very risky thought because really, nobody knows what will happen tomorrow. There is too much uncertainty about life, that’s why people said life is unpredictable.