tag:blogger.com,1999:blog-36967658730207064422024-03-12T22:04:33.391-07:00Apa yang pegawai bank tidak beritahu.....Anonymoushttp://www.blogger.com/profile/05486412548246605716noreply@blogger.comBlogger7125tag:blogger.com,1999:blog-3696765873020706442.post-77730297804943244682013-09-09T01:50:00.001-07:002013-09-09T01:50:04.796-07:00<h2>
<span class="" id="result_box" lang="ms"><span class="hps">Peraturan baru </span><span class="hps">KWSP</span> <span class="hps">... baik</span> <span class="hps">untuk persaraan,</span> <span class="hps">buruk bagi</span> <span class="hps">industri unit amanah</span></span></h2>
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<a href="http://www.themalaysianinsider.com/assets/uploads/resizer/EPF-kwsp-logo_180_180_100.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="" border="0" class="left" src="http://www.themalaysianinsider.com/assets/uploads/resizer/EPF-kwsp-logo_180_180_100.jpg" style="height: 180px; width: 180px;" /></a><span class="" id="result_box" lang="ms"><span class="hps"> </span></span></h2>
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<span class="" id="result_box" lang="ms"><span class="hps"><span style="font-size: small;"><span class="" id="result_box" lang="ms"><span title="Malaysia's largest pension fund has decided to raise the minimum savings for its contributors to ensure they have more money in their twilight years, but this indirectly cuts investments into the country's vibrant unit trust industry.">Dana
pencen terbesar di Malaysia telah memutuskan untuk meningkatkan
simpanan minimum bagi pencarum untuk memastikan mereka mempunyai lebih
banyak wang dalam usia lanjut, tetapi tindakan ini secara tidak langsung merugikan bagi pihak di dalam industri unit amanah yang sedang berkempang kuat di
negara ini.</span></span></span></span></span></h2>
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<span class="" id="result_box" lang="ms"><span class="hps"><span style="font-size: small;"><span class="" id="result_box" lang="ms"><span title="Malaysia's largest pension fund has decided to raise the minimum savings for its contributors to ensure they have more money in their twilight years, but this indirectly cuts investments into the country's vibrant unit trust industry."><br /></span><span title="The new rules by the Employees' Provident Fund (EPF) to cut investments in unit trusts comes at a time when rising costs have shown contributors' savings are not enough to cover retirement after turning 55, five years below Putrajaya's new retirement age of 60.">Peraturan
baru ini oleh Kumpulan Wang Simpanan Pekerja (KWSP) untuk mengurangkan
pelaburan dalam unit amanah datang pada ketika kenaikan kos yang menunjukkan pencarum simpanan tidak cukup untuk menampung persaraan
selepas mencapai usia 55 tahun, lima tahun di bawah umur persaraan yang baru oleh
Putrajaya, 60 tahun.</span></span></span></span></span></h2>
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<span class="" id="result_box" lang="ms"><span class="hps"><span style="font-size: small;"><span class="" id="result_box" lang="ms"><span title="The new rules by the Employees' Provident Fund (EPF) to cut investments in unit trusts comes at a time when rising costs have shown contributors' savings are not enough to cover retirement after turning 55, five years below Putrajaya's new retirement age of 60."><br /></span><span title="“The EPF will revise upwards the basic savings quantum of its members to RM196,800 by the age of 55 effective January 2014, to ensure enough savings to finance members' retirement needs,” EPF general manager, Nik Affendi Jaafar told The Malaysian Insider in">"KWSP
akan meningkatkan nilai simpanan asas bagi ahli-ahlinya kepada
RM196 , 800 pada umur 55 tahun dan berkuat kuasa Januari 2014, untuk
memastikan simpanan yang mencukupi bagi membiayai hidup persaraan ahli," Pengurus Besar KWSP, Nik Affendi Jaafar memberitahu The Malaysian
Insider di </span><span title="Kuala Lumpur over the weekend.">Kuala Lumpur pada hujung minggu lepas.</span></span></span></span></span></h2>
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<span class="" id="result_box" lang="ms"><span class="hps"><span style="font-size: small;"><span class="" id="result_box" lang="ms"><span title="Kuala Lumpur over the weekend."><br /></span><span title="He revealed that under the old scheme, which was launched in 2008, members' targeted savings of RM120,000 at the age of 55 was not sufficient for them to maintain their lifestyle during retirement.">Beliau
mendedahkan bahawa di bawah skim lama, yang telah dilancarkan pada
tahun 2008, simpanan ahli disasarkan sebanyak RM120 , 000 pada umur 55
tahun didapati tidak mencukupi bagi mereka demi mengekalkan gaya hidup sewaktu persaraan.</span><span title="But the new amount will be equal to RM820 a month for 20 years from age 55 to 75.">Tetapi jumlah yang baru adalah bersamaan dengan pendapatan RM820 sebulan selama 20 tahun dari usia 55 hingga 75.</span></span></span></span></span></h2>
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<span class="" id="result_box" lang="ms"><span class="hps"><span style="font-size: small;"><span class="" id="result_box" lang="ms"><span title="But the new amount will be equal to RM820 a month for 20 years from age 55 to 75."><br /></span><span title="The new rates are said to be benchmarked against the minimum pension for public sector employees, which is currently at RM820 a month, so that the monthly retirement income does not fall below the poverty level.">Kadar
baru dikatakan dibandingkan dengan pencen minimum untuk pekerja sektor
awam, yang kini ialah RM820 sebulan , supaya pendapatan persaraan
bulanan tidak jatuh di bawah paras kemiskinan.</span></span></span></span></span></h2>
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<span class="" id="result_box" lang="ms"><span class="hps"><span style="font-size: small;"><span class="" id="result_box" lang="ms"><span title="The new rates are said to be benchmarked against the minimum pension for public sector employees, which is currently at RM820 a month, so that the monthly retirement income does not fall below the poverty level."><br /></span><span title="Following the revision, members need to have more in their Account 1 to be eligible for the EPF Members Investment Scheme, under which savings are invested in unit trusts.">Berikutan
kajian semula itu , ahli perlu mempunyai lebih dalam Akaun 1 sebelum layak untuk Skim Pelaburan Ahli KWSP , di mana simpanan dilaburkan dalam
unit amanah. </span><span title="Currently members can use 20% of their balance in Account 1 to invest in approved unit trust schemes.">Pada masa ini ahli boleh menggunakan 20 % daripada baki di dalam Akaun 1 untuk melabur dalam skim unit amanah yang diluluskan.</span></span></span></span></span></h2>
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<span class="" id="result_box" lang="ms"><span class="hps"><span style="font-size: small;"><span class="" id="result_box" lang="ms"><span title="Currently members can use 20% of their balance in Account 1 to invest in approved unit trust schemes."><br /></span><span title="To illustrate the change, if a member is 40 years or older and has basic savings of RM80,000 in Account 1 at present (2013), his excess will be RM36,000 (derived from RM80,000 - RM44,000).">Untuk
menggambarkan perubahan itu, jika ahli adalah 40 tahun atau lebih tua
dan mempunyai simpanan asas RM80, 000 dalam Akaun 1 pada masa ini (2013)
, lebihan itu akan menjadi RM36, 000 (berasal dari RM80, 000 - RM44,
000). </span><span title="He can then use only RM7,200 (20% of RM36,000) to invest in any approved unit trust.">Beliau
kemudian boleh menggunakan hanya RM7, 200 (20% daripada RM36, 000)
untuk melabur dalam mana-mana unit amanah yang diluluskan. </span><span title="To further protect EPF contributors, withdrawals for unit trust investments are only permitted once every 3 months.">Untuk terus melindungi pencarum KWSP , pengeluaran untuk pelaburan unit amanah hanya dibenarkan sekali dalam setiap 3 bulan.</span></span></span></span></span></h2>
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<span class="" id="result_box" lang="ms"><span class="hps"><span style="font-size: small;"><span class="" id="result_box" lang="ms"><span title="To further protect EPF contributors, withdrawals for unit trust investments are only permitted once every 3 months."><br /></span><span title="With the new EPF rules in 2014, at RM80,000, the excess will only be RM11,000 (RM80,000 - RM69,000).">Dengan peraturan baru KWSP bermula 2014, RM80 , 000 , lebihan itu akan hanya RM11, 000 (RM80 , 000 - RM69, 000). </span><span title="One can then only use RM2,200 (20% of RM11,000) to invest in any approved unit trust.">Satu
boleh kemudian hanya menggunakan RM2, 200 (20% daripada RM11, 000)
untuk melabur dalam mana-mana unit amanah yang diluluskan.</span></span></span></span></span></h2>
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<span class="" id="result_box" lang="ms"><span class="hps"><span style="font-size: small;"><span class="" id="result_box" lang="ms"><span title="One can then only use RM2,200 (20% of RM11,000) to invest in any approved unit trust."><br /></span><span title="An official from the Federation of Investment Managers (FIMM) who spoke on the condition of anonymity said that the unit trust industry would be severely affected by the new ruling.">Seorang
pegawai dari Persekutuan Pengurus Pelaburan ( FIMM) yang bercakap
dengan syarat tidak mahu namanya disiarkan berkata, industri unit amanah
akan terjejas teruk dengan syarat baru ini.</span></span></span></span></span></h2>
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<span class="" id="result_box" lang="ms"><span class="hps"><span style="font-size: small;"><span class="" id="result_box" lang="ms"><span title="An official from the Federation of Investment Managers (FIMM) who spoke on the condition of anonymity said that the unit trust industry would be severely affected by the new ruling."><br /></span><span title="The RM326 billion unit trust industry comprises some 50,000 consultants who earn commissions ranging from 1% to 3% from unit trust investments.">The
RM326 bilion industri unit amanah terdiri daripada kira-kira 50,000
perunding yang mendapat komisen antara 1 % hingga 3% daripada pelaburan
unit amanah.</span></span></span></span></span></h2>
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<span class="" id="result_box" lang="ms"><span class="hps"><span style="font-size: small;"><span class="" id="result_box" lang="ms"><span title="The RM326 billion unit trust industry comprises some 50,000 consultants who earn commissions ranging from 1% to 3% from unit trust investments."><br /></span><span title="The new ruling would also result in many EPF members, who were previously eligible to invest in unit trusts, no longer being qualified.">Keputusan
baru ini juga akan menyebabkan ramai ahli KWSP, yang sebelum ini layak
untuk melabur dalam unit amanah, tidak lagi menjadi layak.</span></span></span></span></span></h2>
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<span class="" id="result_box" lang="ms"><span class="hps"><span style="font-size: small;"><span class="" id="result_box" lang="ms"><span title="The new ruling would also result in many EPF members, who were previously eligible to invest in unit trusts, no longer being qualified."><br /></span><span title="One of the leading Unit Trust Management Companies, Public Mutual (a subsidiary of Public Bank), derived one-third of its non-interest income from its unit trust operation.">Salah
satu Unit utama Syarikat Pengurusan Amanah , Public Mutual (anak
syarikat Public Bank ) , memperolehi satu pertiga daripada
pendapatan bukan faedah dari operasi unit amanah. </span><span title="In 2012, less than 10% of its net profit was from its unit trust business.">Pada tahun 2012, kurang daripada 10 % daripada keuntungan bersih adalah daripada perniagaan unit amanah . </span><span title="- September 9, 2013."> </span></span></span></span></span></h2>
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<span class="" id="result_box" lang="ms"><span class="hps"><span style="font-size: small;"><span class="" id="result_box" lang="ms"><span title="- September 9, 2013.">- September 9, 2013 .</span></span></span></span></span></h2>
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<a href="http://www.themalaysianinsider.com/malaysia/article/new-epf-rules...-good-for-retirement-bad-for-unit-trust-industry" target="_blank"><span class="" id="result_box" lang="ms"><span class="hps"><span style="font-size: small;"><span class="" id="result_box" lang="ms"><span title="- September 9, 2013.">malaysian insider </span></span></span> </span></span></a></h2>
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<span class="quiet small"><b></b></span>
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Anonymoushttp://www.blogger.com/profile/05486412548246605716noreply@blogger.com0tag:blogger.com,1999:blog-3696765873020706442.post-24464397458749799122013-07-14T20:57:00.001-07:002013-07-14T21:00:17.391-07:00Nak beli ke, tak nak beli MRTA?<span style="font-size: x-large;"><b>Nak beli ke, tak nak beli MRTA?</b></span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEivhBNKtItjyW6FmSisLxv0xqS7GlgZD_cfl89tyvLdD6YBVB3web2szcYQtIvSqDq09wH5_iu7AtC1ZU-_0Zr0tnLDewG28EvfV3YeeMkS5D9CsImP8Hk24C3CD9G8hQM4aX5i-oAE4uk/s1600/Penn's_House.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="248" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEivhBNKtItjyW6FmSisLxv0xqS7GlgZD_cfl89tyvLdD6YBVB3web2szcYQtIvSqDq09wH5_iu7AtC1ZU-_0Zr0tnLDewG28EvfV3YeeMkS5D9CsImP8Hk24C3CD9G8hQM4aX5i-oAE4uk/s320/Penn's_House.gif" width="320" /></a></div>
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Ini adalah terjemahan dari surat khabar NST<br />
<br />
<span class="long_text" id="result_box" lang="ms"><span title="to begin with, MRTA refers to Mortgage Reducing Term Assurance which is an Insurance policy associated with buying a house.">untuk
memulakan artikel ini, MRTA merujuk kepada gadai janji Term Assurance yang
merupakan polisi insurans yang berkaitan dengan pembelian rumah.</span><span title="When you approach a bank to apply for a loan, under normal circumstances, you would be asked or encouraged to buy MRTA.">Apabila
anda menghampiri sebuah bank untuk memohon pinjaman, di bawah keadaan
biasa, anda akan ditanya atau digalakkan untuk membeli MRTA. </span><span title="What is MRTA and what is its function?">Apakah MRTA dan apa fungsinya?</span><span title="Coverage"><b> </b></span></span><br />
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<span class="long_text" id="result_box" lang="ms"><span title="Coverage"><b>Liputan</b></span><span title="As compared to a life assurance, MRTA has very limited coverage."> </span></span><br />
<span class="long_text" id="result_box" lang="ms"><span title="As compared to a life assurance, MRTA has very limited coverage.">Berbanding dengan insurans nyawa, MRTA mempunyai liputan yang sangat terhad. </span><span title="It only covers Death and Total Permanent Disability (TPD).">Ia hanya meliputi Kematian dan Hilang Upaya Kekal dan Menyeluruh (TPD). </span><span title="We all already know the definition of 'death' whereas Permanent Disability can only be claimed when the person is not fit and is unable to work anymore.">Kita
semua sudah tahu takrif 'mati' manakala Hilang Upaya Kekal hanya boleh
dituntut apabila orang itu tidak sihat dan tidak dapat berkerja lagi. </span><span title="If a person loses one hand, the claim is not allowed but if he loses both hands, then it is claimable.">Jika
seseorang kehilangan satu tangan, tuntutan itu tidak dibenarkan tetapi
jika dia kehilangan kedua-dua tangan, maka ianya boleh dituntut.</span><span title="Premium"><b> </b></span></span><br />
<br />
<span class="long_text" id="result_box" lang="ms"><span title="Premium"><b>Premium</b></span><span title="The premium can be paid in one lump sum which will cover the whole loan tenure."> </span></span><br />
<span class="long_text" id="result_box" lang="ms"><span title="The premium can be paid in one lump sum which will cover the whole loan tenure.">Premium boleh dibayar dalam satu jumlah sekali gus yang akan meliputi tempoh pinjaman keseluruhan. </span><span title="If you compare this with other insurance policies, this is the cheapest form of coverage.">Jika anda membandingkan ini dengan polisi insurans yang lain, ini adalah yang paling murah. </span><span title="If a person cannot afford to pay a whole lump sum, he can opt to finance the premium into the loan and thus the loan installment will increase.">Jika
seseorang tidak mampu untuk membayar sekali gus keseluruhan, dia boleh
memilih untuk membiayai premium ke dalam pinjaman dan dengan itu ansuran
pinjaman akan meningkat. Patut di</span><span title="Do take note that by doing this, you will subject yourself to paying more interest as the bank is advancing the money to you to pay the premium.">ambil perhatian bahawa dengan melakukan ini, anda akan tertakluk untuk membayar faedah yang lebih sebagai balasan bank mendahulukan wang kepada
anda untuk membayar premium.</span><span title="Calculation"><b> </b></span></span><br />
<br />
<span class="long_text" id="result_box" lang="ms"><span title="Calculation"><b>Pengiraan</b></span><span title="How much premium that is payable is subject to your age, loan amount and your loan tenure."> </span></span><br />
<span class="long_text" id="result_box" lang="ms"><span title="How much premium that is payable is subject to your age, loan amount and your loan tenure.">Berapakah premium yang perlu dibayar adalah tertakluk kepada umur anda, jumlah pinjaman dan tempoh pinjaman anda. </span><span title="The older you are and the higher the loan amount, the higher the premium you will have to pay.">Yang lebih tua anda dan jumlah pinjaman yang lebih tinggi, lebih tinggi premium yang anda perlu bayar. </span><span title="If a person is diagnosed with a certain illness, the insurance company has the right to reject the policy or there will be extra loading in the premium.">Jika
seseorang itu disahkan menghidap penyakit tertentu, syarikat insurans
mempunyai hak untuk menolak dasar atau akan ada beban tambahan di dalam
premium. </span><span title="It depends on how severe the illness is and will only be determined after a medical examination by their panel doctors.">Ia bergantung kepada betapa teruk penyakit itu dan hanya akan ditentukan selepas pemeriksaan perubatan oleh doktor panel mereka.</span><span title="Claims"><b> </b></span></span><br />
<br />
<span class="long_text" id="result_box" lang="ms"><span title="Claims"><b>Tuntutan</b></span></span><br />
<span class="long_text" id="result_box" lang="ms"><span title="Claims"><b> </b></span><span title="Let's say a mishap occurred and it is claimable under the policy.">Katakan satu kejadian yang tidak diingini berlaku dan ia adalah dituntut di bawah polisi ini. </span><span title="If the policy covers 30 years' tenure and this happened on year 15, can a person claim the whole insured lump sum?">Jika
polisi meliputi tempoh 30 tahun dan ini berlaku pada tahun 15, boleh
seseorang menuntut keseluruhan sekali gus diinsuranskan? </span><span title="No, you can’t.">Tidak, anda tidak boleh. </span><span title="MRTA works on the basis of a reducing balance which means if a person is insured for RM100,000 for a loan of RM100,000, the insurance company will only pay the outstanding amount that is still owed to the bank.">MRTA
kerja-kerja atas dasar keseimbangan mengurangkan yang bermaksud jika
seseorang diinsuranskan sebanyak RM100, 000 untuk pinjaman sebanyak
RM100, 000, syarikat insurans hanya akan membayar jumlah yang tertunggak
yang masih terhutang kepada bank.</span><span title="I have always encouraged my loan borrowers to buy MRTA as it provides additional coverage on top of their existing insurance policies as MRTA protects the home.">Saya
sentiasa digalakkan peminjam pinjaman saya untuk membeli MRTA kerana ia
menyediakan perlindungan tambahan di atas polisi insurans yang sedia
ada mereka sebagai MRTA melindungi rumah. </span><span title="If something happens to the home owner, at least the housing loan will be paid for by the insurance company and the family does not have an extra burden to continue the loan installment.">Jika
sesuatu berlaku kepada pemilik rumah, sekurang-kurangnya pinjaman
perumahan akan dibayar oleh syarikat insurans dan keluarga tidak
mempunyai beban tambahan untuk terus ansuran pinjaman.</span><span title="Additional points that you might want to take note:">Isu tambahan yang anda mungkin mahu ambil perhatian:</span><span title="Is it necessary to buy MRTA for whole loan tenure?"><b> </b></span></span><br />
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<span class="long_text" id="result_box" lang="ms"><span title="Is it necessary to buy MRTA for whole loan tenure?"><b>Adakah perlu untuk membeli MRTA untuk tempoh pinjaman keseluruhan?</b></span><span title="The minimum tenure to purchase MRTA is only five years."> </span></span><br />
<span class="long_text" id="result_box" lang="ms"><span title="The minimum tenure to purchase MRTA is only five years.">Tempoh minimum untuk membeli MRTA hanya lima tahun. </span><span title="There is no law that states you must buy the whole tenure.">Tidak ada undang-undang yang menyatakan anda mesti membeli seluruh tempoh. </span><span title="It is totally up to you.">Ia benar-benar terpulang kepada anda. </span><span title="If you do a proper mortgage planning and you know that you can finish your loan probably in about 15 years, you can opt to buy only 15 years.">Jika
anda melakukan perancangan gadai janji yang betul dan anda tahu bahawa
anda boleh menyelesaikan pinjaman anda mungkin kira-kira 15 tahun, anda
boleh memilih untuk membeli hanya 15 tahun. </span><span title="You will be saving thousands in premium payment.">Anda akan menjimatkan beribu-ribu dalam pembayaran premium.<br /><b><br /></b></span><span title="If there are two (2) loan borrowers, what is the best solution?"><b>Jika terdapat dua (2) peminjam, apakah penyelesaian terbaik?</b></span></span><br />
<span class="long_text" id="result_box" lang="ms"><span title="If there are 2 loan borrowers, both can opt to buy 100 per cent coverage for each person.">Jika terdapat 2 peminjam, kedua-duanya boleh memilih untuk membeli 100 peratus liputan untuk setiap orang. </span><span title="Alternatively, they can also opt to be covered 50 per cent each on the loan amount.">Selain itu, mereka juga boleh memilih untuk dilindungi 50 peratus masing-masing kepada jumlah pinjaman. </span><span title="So if something happens to either one of them, the insurance company will only settle 50 per cent of the loan.">Jadi,
jika sesuatu berlaku kepada salah seorang daripada mereka, syarikat
insurans hanya akan membayar 50 peratus daripada pinjaman.<br /><b><br /></b></span><span title="Is it compulsory to purchase?"><b>Adakah wajib untuk membeli?</b></span><span title="This depends on the bank you are applying your loan with.">Ini bergantung kepada bank anda memohon pinjaman anda dengan. </span><span title="With certain banks, they can waive this requirement while in some banks, MRTA is compulsory.">Dengan bank-bank tertentu, mereka boleh mengetepikan keperluan ini manakala di beberapa bank-bank, MRTA adalah wajib. </span><span title="I have seen some banks adjust the interest rate higher if a loan borrower opts not to purchase.">Saya
telah melihat beberapa bank menyesuaikan kadar faedah yang lebih tinggi
jika peminjam pinjaman tidak memilih untuk membeli. </span><span title="Whatever it is, if you ask for a waiver, make sure it is stated clearly in the offer letter so as not to be part of the requirement for disbursement of loan.">Apa
pun, jika anda meminta untuk pengecualian, pastikan ia dinyatakan
dengan jelas dalam surat tawaran itu supaya tidak menjadi sebahagian
daripada keperluan untuk pembayaran pinjaman. </span><span title="I have seen some borrowers being caught off guard with this.">Saya telah melihat beberapa peminjam yang terperangkap dalam keadaan tidak bersedia dengan ini. </span><span title="Do not take things for granted.">Jangan ambil mudah.</span><span title="What happens if I sell off my house or refinance before the end of my loan tenure?"><b> </b></span></span><br />
<span class="long_text" id="result_box" lang="ms"><span title="What happens if I sell off my house or refinance before the end of my loan tenure?"><b>Apakah yang akan berlaku jika saya menjual rumah saya atau membiayai semula sebelum akhir tempoh pinjaman saya?</b></span><span title="Many loan borrowers forgot about their MRTA after the house is sold or refinanced."> </span></span><br />
<span class="long_text" id="result_box" lang="ms"><span title="Many loan borrowers forgot about their MRTA after the house is sold or refinanced.">Ramai peminjam terlupa tentang MRTA mereka selepas rumah itu dijual atau dibiayai semula. </span><span title="Do you know that after your house is sold and you provide evidence of your sale, you can surrender your policy and claim back the cash surrender value.">Adakah
anda tahu bahawa selepas rumah anda dijual dan anda memberikan bukti
jualan anda, anda boleh menyerahkan polisi anda dan menuntut kembali
nilai serahan tunai (jika ada).</span><span title="If you were to refinance, you can opt not to redeem the policy but you can transfer to your new loan.">Jika
anda membuat membiayai semula (refinance), anda boleh memilih untuk tidak menebus
polisi tetapi anda boleh memindahkan kepada pinjaman baru anda. </span><span title="You will have to go to your insurance company and change the policy and also the beneficiary from the old bank to your next of kin.">Anda akan perlu pergi ke syarikat insurans anda dan menukar dasar dan juga waris dari bank yang lama kepada waris terdekat. </span><span title="If you were to transfer the policy, the beneficiary cannot be the new bank.">Jika anda adalah untuk memindahkan polisi, benefisiari TIDAK boleh bank baru.<br /><b><br /></b></span><span title="What other options do I have apart from MRTA?"><b>Apakah pilihan lain yang perlu saya selain daripada MRTA?</b></span><span title="Well, definitely you will have other choices apart from MRTA."> </span></span><br />
<span class="long_text" id="result_box" lang="ms"><span title="Well, definitely you will have other choices apart from MRTA.">Ya, pasti anda mempunyai pilihan lain selain daripada MRTA. </span><span title="You can also opt for the following insurance coverage:">Anda juga boleh memilih untuk mendapatkan perlindungan insurans yang berikut:</span><b><span title="1."> </span></b></span><br />
<span class="long_text" id="result_box" lang="ms"><b><span title="1.">1. </span></b><span title="Mortgage Leverage Term Assurance (MLTA)"><b>Gadai Janji Level Term Assurance (MLTA)</b></span><span title="The coverage is similar to MRTA but the coverage is constant throughout the loan tenure which means if something happens to the person assured, the insurance will pay based on the insured amount and not the outstanding loan balance."> </span></span><br />
<span class="long_text" id="result_box" lang="ms"><span title="The coverage is similar to MRTA but the coverage is constant throughout the loan tenure which means if something happens to the person assured, the insurance will pay based on the insured amount and not the outstanding loan balance.">Liputan
adalah sama dengan MRTA tetapi liputan adalah tetap di sepanjang tempoh
pinjaman yang bermaksud jika sesuatu berlaku kepada orang yang memberi
jaminan, insurans akan membayar berdasarkan kepada jumlah yang
diinsuranskan dan tidak baki pinjaman belum jelas. </span><span title="The premium is more expensive and is paid on a yearly basis.">Premium lebih mahal dan dibayar pada setiap tahun. </span><span title="If there is no claim towards the end of the loan tenure, the insured person will be able to get back the entire premium that has been paid excluding the interest.">Jika
tiada tuntutan ke arah akhir tempoh pinjaman, orang yang diinsuranskan
akan dapat untuk mendapatkan kembali premium keseluruhan yang telah
dibayar tidak termasuk faedah.</span><span title="In MLTA, you can also opt to buy additional coverage to expand to 36 critical illnesses.">Dalam MLTA, anda juga boleh memilih untuk membeli perlindungan tambahan untuk mengembangkan kepada 36 penyakit kritikal.</span><b><span title="2."> </span></b></span><br />
<span class="long_text" id="result_box" lang="ms"><b><span title="2.">2. </span></b><span title="Takaful Mortgage Insurance"><b>Insurans Gadai Janji Takaful</b></span><span title="If you were to take an Islamic loan, the banker will introduce to you Takaful Mortgage Insurance."> </span></span><br />
<span class="long_text" id="result_box" lang="ms"><span title="If you were to take an Islamic loan, the banker will introduce to you Takaful Mortgage Insurance.">Jika anda telah mengambil pinjaman Islam, bank akan memperkenalkan kepada anda Insurans Gadai Janji Takaful. </span><span title="The function is the same as MRTA except in order to claim TPD, the insured has to suffer TPD for a continuous period of six months.">Fungsi
ini adalah sama seperti MRTA kecuali untuk menuntut TPD, diinsuranskan
telah mengalami TPD untuk tempoh berterusan selama enam bulan.</span><b><span title="3."> </span></b></span><br />
<span class="long_text" id="result_box" lang="ms"><b><span title="3.">3. </span></b><span title="Life Insurance"><b>Insurans Hayat</b></span><span title="Life insurance will have more coverage as compared to MRTA."> </span></span><br />
<span class="long_text" id="result_box" lang="ms"><span title="Life insurance will have more coverage as compared to MRTA.">Insurans hayat akan mempunyai liputan yang lebih berbanding dengan MRTA. </span><span title="At the end of the tenure, you will be able to get back your premium inclusive of interest earned.">Pada akhir tempoh ini, anda akan dapat untuk mendapatkan kembali termasuk premium yang menarik minat anda yang diperolehi. </span><span title="For more information, please check with an insurance agent.">Untuk maklumat lanjut, sila semak dengan ejen insurans.</span><span title="It is your decision whether to buy or not to buy MRTA."> </span></span><br />
<span class="long_text" id="result_box" lang="ms"><span title="It is your decision whether to buy or not to buy MRTA.">Ia adalah keputusan anda sama ada untuk membeli atau tidak membeli MRTA. </span><span title="I hope that you will make the right decision.">Saya berharap bahawa anda akan membuat keputusan yang betul. </span><span title="I had a client many years back who had four housing loans and for each of the loan, I bought MRTA for him.">Saya
mempunyai pelanggan beberapa tahun lepas dimana beliau mempunyai empat pinjaman
perumahan dan bagi setiap pinjaman, saya beli MRTA untuk beliau. </span><span title="One day, his wife called me to say he had died suddenly.">Satu hari, isterinya memanggil saya untuk mengatakan dia telah meninggal dunia tiba-tiba. </span><span title="Luckily, all his outstanding housing loans were settled by the insurance company.">Nasib baik, semua pinjaman perumahan beliau telah diselesaikan oleh syarikat insurans. </span><span title="His wife was not working at the time and he had left behind two small kids.">Isterinya tidak bekerja pada masa itu dan beliau telah meninggalkan di belakang kedua-dua anak-anak kecil.</span><span title="In the end, she managed to sell three of the properties and kept one for her own stay."> </span></span><br />
<span class="long_text" id="result_box" lang="ms"><span title="In the end, she managed to sell three of the properties and kept one for her own stay.">Akhirnya, dia berjaya menjual tiga sifat-sifat dan disimpan satu untuk penginapan sendiri. </span><span title="She was able to use the proceeds of sale of the other three properties to carry on with her life comfortably.">Dia mampu untuk menggunakan hasil jualan yang lain tiga hartanah untuk meneruskan hidupnya selesa.</span><span title="Michael is also an author of the book 'Think Like A Banker, Act Like A Player'."> </span></span><br />
<span class="long_text" id="result_box" lang="ms"><span title="Michael is also an author of the book 'Think Like A Banker, Act Like A Player'.">Michael juga merupakan pengarang buku 'Fikirkan Seperti Banker A, Akta Seperti Player'. </span><span title="You can purchase his book at www.gmtrainingacademy.com/publications/">Anda boleh membeli buku di www.gmtrainingacademy.com/publications/</span><span title="Read more: To buy or not to buy MRTA?"> </span></span><br />
<span class="long_text" id="result_box" lang="ms"><span title="Read more: To buy or not to buy MRTA?">Baca lebih lanjut: Untuk membeli atau tidak membeli MRTA? </span><span title="- RED - New Straits Times http://www.nst.com.my/red/to-buy-or-not-to-buy-mrta-1.299785#ixzz2Z5A6XoKo">- RED - New Straits Times (<a href="http://www.nst.com.my/red/to-buy-or-not-to-buy-mrta-1.299785" target="_blank">versi inggeris</a>)</span></span><br />
<br />Anonymoushttp://www.blogger.com/profile/05486412548246605716noreply@blogger.com0tag:blogger.com,1999:blog-3696765873020706442.post-69212469328386089642013-06-24T08:47:00.000-07:002013-06-24T08:47:01.892-07:00Bersara dan menjadi papa kedana. Itukah yang anda mahu?<br />
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Jangan bersara dan menjadi papa kedana, cegahnya daripada berlaku bermula daripada sekarang.</h1>
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<tr><td style="text-align: center;"><img alt="“They relaxed the retirement age policy a few years ago. Now all the staff are older than most of the home’s residents!”" height="236" src="http://biz.thestar.com.my/archives/2013/6/24/business/retired-broke-financial-snacks-b5.JPG" style="margin-left: auto; margin-right: auto;" width="400" /></td></tr>
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melonggarkan dasar umur persaraan beberapa tahun yang lalu. </span><span title="Now all the staff are older than most of the home's residents!” “They relaxed the retirement age policy a few years ago.">Kini
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<![endif]--><span lang="MS" style="font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 115%; mso-ansi-language: MS; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">Statistik
kerajaan menunjukkan bahawa 50% daripada Kumpulan Wang Simpanan Pekerja (KWSP)
menggunakan semua simpanan mereka dalam tempoh <b style="mso-bidi-font-weight: normal;">lima</b> tahun persaraan.<br />
<br />
</span><span title="It's a shocking revelation, more so as most Malaysians are considered to have a pretty high level of savings.">Ia
adalah wahyu yang mengejutkan, lebih-lebih lagi kerana kebanyakan rakyat
Malaysia dianggap mempunyai tahap simpanan yang cukup tinggi. </span><span title="There is, however, a solution to avoid becoming dead broke after retirement, LEE MUN WAI writes.">Terdapat,
bagaimanapun, satu penyelesaian untuk mengelakkan menjadi papa kedana selepas
bersara, kata penulis.<br />
<br />
</span><span title="A DECADE ago you could work hard and then retire comfortably and spend your “golden years” enjoying the final years of your life.">KURUN
<span style="mso-spacerun: yes;"> </span>yang lalu anda boleh bekerja keras dan
kemudian bersara dengan selesa dan menghabiskan "usia emas" anda
menikmati tahun-tahun akhir hayat anda. </span><span title="That enjoyment for some is traveling the world, spending time doing some fishing or maybe spoiling grandchildren.">Kenikmatan
bagi sesetengah orang bermaksud melancong seluruh <span style="mso-spacerun: yes;"> </span>dunia, menghabiskan masa melakukan aktiviti
memancing atau mungkin memanjakan cucu. </span><span title="But now, by the time most Malaysians reach their “golden years”, they are either dead, dead broke or financially independent.">Tetapi
sekarang, dengan keadaan dimana kebanyakan rakyat Malaysia mencapai "usia
emas", mereka sama ada sudah meninggal, papa kedana atau bebas <span style="mso-spacerun: yes;"> </span>belenggu kewangan. </span><span title="Being financially independent is rapidly becoming the exception and not the norm.">Mereka
yang bebas daripada belenggu kewangan adalah sedikit dan sangatlah jarang
berlaku.<br />
<br />
</span><span title="Can this possibly be correct?">Adakah ini betul? </span><span title="You might doubt me, but take a look around at how many people in their 50's, 60's and even 70's are still working to this day.">Anda
mungkin meragui saya, tetapi kita lihat di sekeliling anda, ada berapa ramai
orang dalam umur 50-an, 60-an dan 70-an dan masih bekerja hingga ke hari ini. </span><span title="Some have already retired and too old to apply for high salaried positions and are just forced back into working to make ends meet.">Ada
yang sudah bersara dan terlalu lama memohon jawatan bergaji tinggi dan terpaksa
kembali dalam dunia pekerjaan untuk memenuhi keperluan perbelanjaan. </span><span title="It is highly probable that most will now never be able to retire again!">Ada
<span style="mso-spacerun: yes;"> </span>kemungkinan besar, kebanyakan mereka <span style="mso-spacerun: yes;"> </span>kini tidak akan dapat bersara lagi!<br />
<br />
</span><span title="Something has gone amiss − most people have not planned for their retirement until it is too late!">Sesuatu
yang tidak disangka? - kebanyakan orang tidak merancang untuk persaraan mereka
sehingga ia terlambat!<br />
<br />
</span><span title="What is your fate?">Apakah nasib anda? </span><span title="Is there a solution to this dilemma?">Adakah terdapat satu penyelesaian
kepada dilema ini? </span><span title="The solution lies in prudent financial planning, ensuring that you put your money to work early so that when you retire, you have your money working hard for you.">Penyelesaian
terletak dalam perancangan kewangan yang berhemat, memastikan bahawa anda
meletakkan wang anda untuk bekerja awal supaya apabila anda bersara, anda
mempunyai wang yang <span style="mso-spacerun: yes;"> </span>bekerja keras untuk
anda. </span><span title="The earlier you get your money working for you, the better your chances of being able to enjoy your golden years.">Lebih
awal anda mengaturkan wang anda untuk bekerja untuk anda, lebih baik peluang
anda untuk menikmatinya di tahun-tahun keemasan anda. </span><span title="Financial planning is not about becoming rich, but rather, it is avoiding becoming dead broke.">Perancangan
kewangan bukan tentang menjadi kaya, tetapi sebaliknya, ia adalah mengelakkan
menjadi papa kedana.<br />
<br />
</span><span title="I certainly do not plan on being forced out of retirement due to lack of resources.">Saya
memang tidak merancang untuk dipaksa keluar dari persaraan kerana kekurangan
sumber. </span><span title="I not only want to retire early but I want to actually have the money to live comfortably and do whatever my heart desires until my days run out.">Saya
bukan sahaja mahu bersara awal tetapi saya mahu mempunyai wang untuk hidup
selesa dan melakukan apa sahaja yang saya ingini sehingga hari yang terakhir
dalam hidup. </span><span title="I know the only way to achieve this is to be financially independent.">Saya
tahu satu-satunya cara untuk mencapai matlamat ini adalah untuk menjadi bebas
dari belenggu kewangan. </span><span title="Our time is limited.">Hidup kita
adalah terhad. </span><span title="So what are you waiting for?">Jadi apa yang ditunggukan?</span><br />
<br />
<span title="So what are you waiting for?">Translated from The <a href="http://biz.thestar.com.my/news/story.asp?file=/2013/6/24/business/13274611&sec=business" target="_blank">staronline </a></span><br />
<span title="So what are you waiting for?"><br /></span>
<span title="So what are you waiting for?">Untuk nasihat atau bantuan untuk merancang kewangan anda boleh lah hubungi Raja Adamm di talian 017-636 9878</span><br />
<br />
<br />
<br />Anonymoushttp://www.blogger.com/profile/05486412548246605716noreply@blogger.com0tag:blogger.com,1999:blog-3696765873020706442.post-71728615277432762682013-05-19T07:18:00.005-07:002013-05-19T07:24:48.434-07:00Hartanah malaysia berkemungkinan runtuh? <div style="text-align: justify;">
<blockquote class="tr_bq">
<span class="" id="result_box" lang="ms"><span title="PETALING JAYA: Leading provider of credit ratings, research and risk analysis, Moody's Investors Service has maintained its stable outlook for the Malaysian banking system for the next 12 to 18 months in its most recent Banking System Outlook.">Pembekal Utama penarafan kredit, penyelidikan dan analisis
risiko, Perkhidmatan Pelabur Moody telah mengekalkan unjuran stabil bagi
sistem perbankan Malaysia untuk tempoh 12 hingga 18 bulan akan datang
dalam keadaan perbankaan semasa.</span></span></blockquote>
</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<blockquote class="tr_bq">
<span class="" id="result_box" lang="ms"><span title="In the report, Moody's said the stable outlook reflected the expectation of a stable operating environment that would allow banks to maintain their good asset quality, as well as strong capitalisation levels and funding profiles.">Dalam
laporan itu, Moody berkata prospek stabil mencerminkan jangkaan
persekitaran operasi yang stabil yang akan membolehkan bank-bank untuk
mengekalkan kualiti aset yang baik mereka, serta tahap permodalan yang
kukuh dan profil pembiayaan.</span></span></blockquote>
</div>
<div style="text-align: justify;">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhxdWbtbq0Bs7BXpb-Rz8ocEWR_W8N9CX8vjyEnYQavtw0W0vDhBbePvLEedjd3zuw-2Gii7axg4ltAXV52aV4LPCVinWA-0wT-yY7VdoNDs2tOLrZlofu-1ugc1ORv5bFQvI6yhIiBHBo/s1600/house-auction.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhxdWbtbq0Bs7BXpb-Rz8ocEWR_W8N9CX8vjyEnYQavtw0W0vDhBbePvLEedjd3zuw-2Gii7axg4ltAXV52aV4LPCVinWA-0wT-yY7VdoNDs2tOLrZlofu-1ugc1ORv5bFQvI6yhIiBHBo/s320/house-auction.jpg" width="240" /></a></div>
<br />
<br /></div>
<div style="text-align: justify;">
<blockquote class="tr_bq">
<span class="" id="result_box" lang="ms"><span title="However, that aside, Moody's cautioned on the looming risk posed by the twin trends of household leveraging and pronounced house price appreciation, which could, in less favorable conditions, undermine asset quality.">Walau
bagaimanapun, yang diketepikan, Moody memberi amaran mengenai risiko
menjulang ditimbulkan oleh trend berkembar, 'leveraging' pinjaman rumah dan kenaikan harga rumah, yang boleh, dalam keadaan yang kurang
memberangsangkan, melemahkan kualiti aset.</span></span></blockquote>
</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<blockquote class="tr_bq">
<span class="" id="result_box" lang="ms"><span title="To that, Moody's analyst Simon Chen added: “However, we believe that the materialisation of this risk is unlikely within the timing horizon of our outlook.”">Untuk
itu, penganalisis </span></span><span class="" id="result_box" lang="ms"><span title="To that, Moody's analyst Simon Chen added: “However, we believe that the materialisation of this risk is unlikely within the timing horizon of our outlook.”"><span class="" id="result_box" lang="ms"><span title="To that, Moody's analyst Simon Chen added: “However, we believe that the materialisation of this risk is unlikely within the timing horizon of our outlook.”">Moody </span></span>Simon Chen berkata: "Walau bagaimanapun, kami
percaya bahawa kemungkinan berlakunya risiko ini tidak mungkin dalam tempoh masa
yang kami unjurkan."</span></span></blockquote>
</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<blockquote class="tr_bq">
<span class="" id="result_box" lang="ms"><span title="Chen expects post-election continuity, including the maintenance of accommodative government policies that will support robust growth in gross domestic product, estimated to be 5% in 2013, and a growth in bank loans of 10% for the same period.">Chen
menjangkakan kesinambungan selepas pilihan raya, termasuk kestabilan kerajaan yang akan menyokong pertumbuhan yang kukuh
dalam produk domestik kasar, dianggarkan 5% pada tahun 2013, dan
pertumbuhan dalam pinjaman bank sebanyak 10% untuk tempoh yang sama.</span></span></blockquote>
</div>
<div style="text-align: justify;">
<span class="" id="result_box" lang="ms"><span title="Chen expects post-election continuity, including the maintenance of accommodative government policies that will support robust growth in gross domestic product, estimated to be 5% in 2013, and a growth in bank loans of 10% for the same period."></span></span><br /></div>
<span class="" id="result_box" lang="ms"><span title="Chen expects post-election continuity, including the maintenance of accommodative government policies that will support robust growth in gross domestic product, estimated to be 5% in 2013, and a growth in bank loans of 10% for the same period."></span></span><br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhE44rzaYAiguKYqly0Vka2ygy1drJtoj7UVRreReIeltO4in6j-PG5kTd6L5enFXlCzdVT8ojurr-qykD7YB0G8T2GXf9YTPITPUPdGc1vjTJwKwU0sPtek8veON-VywPNC-bIHm43odQ/s1600/house-for+sale.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="244" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhE44rzaYAiguKYqly0Vka2ygy1drJtoj7UVRreReIeltO4in6j-PG5kTd6L5enFXlCzdVT8ojurr-qykD7YB0G8T2GXf9YTPITPUPdGc1vjTJwKwU0sPtek8veON-VywPNC-bIHm43odQ/s320/house-for+sale.jpg" width="320" /></a></div>
<span class="" id="result_box" lang="ms"><span title="Chen expects post-election continuity, including the maintenance of accommodative government policies that will support robust growth in gross domestic product, estimated to be 5% in 2013, and a growth in bank loans of 10% for the same period."><br /></span><span title="“The key policies supporting this scenario feature government disbursements to implement infrastructure projects already in the pipeline, as well as accommodative monetary policies globally and domestically that would attract private sector investments, employment and consumption,” he said.">Berdasarkan sedikit terjemahan daripada artikel di laman web <a href="http://biz.thestar.com.my/news/story.asp?file=/2013/5/16/business/13116930&sec=business" target="_blank">thestar</a>, apakah pendirian anda pengenai pasaran hartanah Malaysia? </span></span><br />
<span class="" id="result_box" lang="ms"><span title="“The key policies supporting this scenario feature government disbursements to implement infrastructure projects already in the pipeline, as well as accommodative monetary policies globally and domestically that would attract private sector investments, employment and consumption,” he said."><br /></span></span>
<span class="" id="result_box" lang="ms"><span title="“The key policies supporting this scenario feature government disbursements to implement infrastructure projects already in the pipeline, as well as accommodative monetary policies globally and domestically that would attract private sector investments, employment and consumption,” he said.">Bidang pelaburan senantiasa mempunyai risiko- risiko masing, apa yang membezakan pelabur yang berkhemah dan penjudi adalah ilmu.</span></span><br />
<br />
<span class="" id="result_box" lang="ms"><span title="Moody's report also stated that because impaired assets were at record-low levels, any further improvement in this area was unlikely."> </span><span title="that the banks may obtain from the debt capital markets."><br /></span></span>Anonymoushttp://www.blogger.com/profile/05486412548246605716noreply@blogger.com0tag:blogger.com,1999:blog-3696765873020706442.post-43631793637487094192013-05-08T10:30:00.000-07:002013-05-08T10:30:12.989-07:00Latte Factor - Kecil-kecil cili padi<h1 id="story_title">
<span class="" id="result_box" lang="ms"><span class="hps">Kita perlu</span> <span class="hps">melihat</span> <span class="hps">perkara-perkara kecil</span> <span class="hps">yang kita</span> biasanya membelanjakan <span class="hps">wang 'separa</span><span class="hps atn">-</span><span class="">sedar</span><span>'</span> <span class="hps">setiap hari</span></span></h1>
<h2 id="story_byline">
'Financial Snacks' Oleh Lee Mun Wai</h2>
<div id="story_content">
<br /> <table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><img alt="" height="333" src="http://biz.thestar.com.my/archives/2013/4/15/business/financial-snacks-offe-finances-b9.JPG" style="margin-left: auto; margin-right: auto;" width="400" /></td></tr>
<tr><td class="tr-caption" style="text-align: center;">"<i>Bos, semua kopi ini membantu saya sedar sentiasa semasa melaksanakan tugas dan menjadi lebih produktif</i>"</td></tr>
</tbody></table>
<div class="story_image center" style="width: 414px;">
</div>
<span class="" id="result_box" lang="ms"><span class="hps">Apa </span><span class="hps">secawan kopi</span> <span class="hps">yang dibuat dengan</span> <span class="hps">espresso</span> <span class="hps">dan susu</span> stim, ber<span class="hps">kaitan dengan</span> <span class="hps">kewangan anda?</span> <span class="hps">Jawapannya,</span> tiada<span class="hps">!</span> <span class="hps">Walau bagaimanapun,</span> <span class="hps">LEE</span> <span class="hps">MUN</span> <span class="hps">WAI</span> <span class="hps">mahu memperkenalkan</span> <span class="hps atn">anda "Latte Factor</span><span>" yang sangat berkait rapat </span><span class="hps">dengan kewangan anda.</span><br /><br /><span class="hps atn">"</span></span><span class="" id="result_box" lang="ms"><span class="hps atn"><span class="" id="result_box" lang="ms"><span class="hps atn">Latte Factor</span><span></span></span></span><span class="">" adalah berdasarkan</span> <span class="hps">satu konsep</span> <span class="hps">yang amat mudah</span> <span class="hps">- kita</span> <span class="hps">perlu melihat</span> <span class="hps">perkara-perkara kecil</span> <span class="hps">yang kita biasanya membelanjakan wang 'separa-sedar'</span></span><span class="" id="result_box" lang="ms"><span class="hps"><span class="" id="result_box" lang="ms"><span class="hps"> setiap hari </span></span> </span><span>dan</span> <span class="hps">mengarahkan</span>nya<span class="hps"> kearah </span><span class="hps">untuk memperkayakan</span> <span class="hps">diri kita sendiri.</span><br /><br /><span class="hps">Menyimpan </span>se<span class="hps">ringgit</span> <span class="hps">atau</span> <span class="hps">dua tiap-tiap hari</span> demi <span class="hps">masa depan</span> <span class="hps">anda dan bukannya</span> <span class="hps">membelanjakan</span> <span class="hps">ke atas pembelian</span> <span class="hps">seperti</span> <span class="hps">latte yang</span> <span class="hps">mahal,</span> <span class="hps">botol</span> <span class="hps">air mineral</span><span>, rokok,</span> <span class="hps">alkohol yang terlalu banyak,</span> <span class="hps">majalah yang</span> <span class="hps">anda tidak membaca</span><span>,</span> <span class="hps">dan beg tangan</span> <span class="hps">yang</span> <span class="hps">disimpan di dalam</span> <span class="hps">almari,</span> <span class="hps">anda akan terkejut dengan</span> <span class="hps">perbezaan</span> Latte Factor dalam kehidupan seharian anda yang <span class="hps">boleh</span> membezakan <span class="hps">antara</span> <span class="hps">mengumpul kekayaan</span> <span class="hps">dan hidup</span> <span class="hps">dari gaji untuk gaji</span><span>.</span><br /><br /><span class="hps">Kita sering</span> <span class="hps">tidak menyedari</span> <span class="hps">berapa banyak</span> <span class="hps">sebenarnya</span> <span class="hps">perbelanjaan</span> <span class="hps">pembelian ini</span> <span class="hps">.</span> <span class="hps">Jika kita</span> <span class="hps">tidak</span> <span class="hps">berfikir tentang hal itu</span> <span class="hps">dan menukar</span> <span class="hps">tabiat kita</span> wallau sedikit sahaja<span>, kita</span> <span class="hps">sebenarnya boleh</span> <span class="hps">mengubah nasib</span> <span class="hps">kita.</span><br /><br /><span class="hps">Untuk membuktikan hujah ini</span><span class="hps">,</span> <span class="hps">mari kita andaikan</span> <span class="hps">kita berjaya</span> <span class="hps">mengalihkan</span> <span class="hps">RM10</span> <span class="hps">setiap hari.</span> <span class="hps">Itulah</span> <span class="hps">RM300</span> <span class="hps">sebulan</span> <span class="hps">ke dalam akaun</span> <span class="hps">Latte</span> <span class="hps">khas kami</span> <span class="hps">untuk 30</span> <span class="hps">tahun akan datang.</span> <span class="hps">Dengan mengandaikan</span> <span class="hps">kadar faedah sebanyak</span> <span class="hps">6% setahun</span><span>, kita akan mempunyai</span> <span class="hps">lebih daripada</span> <span class="hps">RM300, 000</span> <span class="hps">dalam akaun kami</span><span>!</span><br /><br /><span class="hps">Dapatkan Akaun</span> <span class="hps">Latte</span> <span class="hps">anda bekerja</span> <span class="hps">hanya sedikit</span> <span class="hps">lebih keras</span> <span class="hps">dengan menubuhkan sebuah</span> <span class="hps">portfolio</span> <span class="hps">pelaburan</span> <span class="hps">yang</span> <span class="hps">dibina dan</span> <span class="hps">diuruskan dengan cekap</span> <span class="hps">untuk mengembalikan anda</span> <span class="hps">12% setahun</span><span>, anda</span> <span class="hps">akan</span> <span class="hps">menakjubkan</span> <span class="hps">menjadi jutawan</span> <span class="hps">dalam tempoh 30</span> <span class="hps">tahun akan datang!</span> <span class="hps">Adakah anda</span> <span class="hps">terkejut?</span><br /><br /><span class="hps">Lakukan amalan ini bermula </span><span class="hps">minggu hadapan.</span> <span class="hps">Kenal pasti</span> <span class="hps atn">sebenar "</span><span>Faktor</span> <span class="hps">Latte</span><span>" anda</span> <span class="hps">dengan menjejaki</span> <span class="hps">perbelanjaan harian anda</span> <span class="hps">dengan terperinci dan</span> <span class="hps">kemudian mengira</span> <span class="hps">berapa banyak</span> <span class="hps">yang anda boleh</span> <span class="hps">simpan dalam</span> <span class="hps">beberapa tahun.</span><br /><br /><span class="hps atn">"Latte Factor</span><span>"</span> <span class="hps">bukanlah sains roket</span><span>, ia</span> <span class="hps">hanyalah amalan </span><span class="hps">kewangan yang baik dan </span></span><span class="" id="result_box" lang="ms"><span class="hps"><span class="" id="result_box" lang="ms"><span class="hps">masuk akal</span></span>.</span> Satu amalan kecil ini boleh menjadi titik perubahan hidup anda menjadi lebih baik<span class="hps">.</span> Semua angka ini adalah tepat<span>, jadi mula</span>lah mengambil tahu <span class="hps">latte</span> <span class="hps">anda hari ini dengan</span> <span class="hps">perancang</span> <span class="hps">kewangan anda.</span></span></div>
Anonymoushttp://www.blogger.com/profile/05486412548246605716noreply@blogger.com0tag:blogger.com,1999:blog-3696765873020706442.post-26568085933732679512013-04-28T18:35:00.003-07:002013-05-05T09:04:38.437-07:00<span style="font-family: inherit;"><span style="font-size: small;"><br /></span></span>
<h2 id="story_title" style="background-color: white; line-height: 36px; margin: 0px 0px 10px; padding: 0px 35px 0px 0px;">
<span style="font-size: x-large;"><span style="font-family: inherit;"><span class="" id="result_box" lang="ms"><span class="hps">Bagaimana untuk meningkatkan</span> <span class="hps">simpanan anda</span> <span class="hps">pada setiap</span> <span class="hps">ulang tahun hari jadi atau</span> <span class="hps">kenaikan</span></span></span></span></h2>
<div id="story_content" style="background-color: white; border-top-color: rgb(204, 204, 204); border-top-style: dotted; border-top-width: 1px; font-family: Arial, Helvetica, Verdana, sans-serif; font-size: 12px; padding: 15px 0px 10px;">
<span style="font-family: inherit;"><span style="font-size: small;"><br /></span></span>
<div class="story_image center" style="float: none; margin: 0px auto 15px; padding: 5px 10px 0px; width: 414px;">
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><span style="font-family: inherit;"><span style="font-size: small;"><img alt="“I thought I could save money by cancelling my gym membership, but I’ve now grown so fat that I’m spending much more on new clothes!”" height="288" src="http://biz.thestar.com.my/archives/2013/4/29/business/financial-snacks-cartoon-savings-b6.JPG" style="border: medium none; margin: 0px auto 5px; padding: 0px;" width="400" /></span></span></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-family: inherit;"><span style="font-size: small;">"Saya ingat hendak menyimpan duit dengan membatalkan keahlian gim, tetapi sekarang saya sudah semakin gemuk sehinggakan terpaksa membelanjakan lebih banyak duit untuk membeli pakaian baru"</span></span></td></tr>
</tbody></table>
<span style="font-family: inherit;"><span style="font-size: small;"><br /></span></span></div>
<div style="color: #333333; line-height: 21px; margin-bottom: 15px; padding: 0px;">
<h3>
<span style="font-family: inherit;"><span style="font-size: small;"><b><span class="" id="result_box" lang="ms"><span class="hps">DUA minggu</span> <span class="hps">lalu kita</span> <span class="hps">menemui</span> <span class="hps atn">"</span></span></b></span></span><span style="font-family: inherit;"><span style="font-size: small;"><b><span class="" id="result_box" lang="ms"><span class="hps atn"><span style="font-family: inherit;"><span style="font-size: small;">Latte Factor<span class="" id="result_box" lang="ms"><span class="hps"></span></span></span></span></span><span>".</span> Apa perasaan <span class="hps">anda </span><span class="hps">untuk</span> <span class="hps">mengenakan</span> <span class="hps">turbo</span> <span class="hps">charge bagi menambahkan </span><span class="hps">kelajuan anda kearah kekayaan?</span></span></b></span></span></h3>
</div>
<div style="color: #333333; line-height: 21px; margin-bottom: 15px; padding: 0px;">
<h4>
<span style="font-family: inherit;"><span style="font-size: small;"><b>LEE MUN WAI memperkenalkan “Espresso Factor” minggu ini!</b></span></span></h4>
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<span style="font-family: inherit;"><span style="font-size: small;">Expresso Factor adalah Latte Factor <span class="" id="result_box" lang="ms"><span class="hps">pada steroid</span><span>!</span> <span class="hps">Setiap</span> <span class="hps">ulang tahun hari jadi atau</span> <span class="hps">setiap kali</span> <span class="hps">anda mendapat</span> <span class="hps">kenaikan</span> <span class="hps">gaji,</span> <span class="hps">meningkatkan</span> <span class="hps">simpanan yang anda</span> <span class="hps">ketepikan</span> <span class="hps">ke dalam akaun</span> <span class="hps">khas</span> <span class="hps">Latte </span></span><span class="" id="result_box" lang="ms"><span class="hps"><span class="" id="result_box" lang="ms"><span class="hps">anda</span></span></span> <span class="hps">sebanyak 5%.</span> <span class="hps">Jadi, daripada</span> <span class="hps">menyimpan</span> <span class="hps">RM300</span> <span class="hps">setiap bulan, anda</span> <span class="hps">kini akan</span> menyimpan <span class="hps">RM315</span> <span class="hps">sebulan</span> <span class="hps">selepas setahun.</span> <span class="hps">Ulangi</span> <span class="hps">ini setiap tahun</span> <span class="hps">dengan tekun.</span></span></span></span></div>
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<span style="font-family: inherit;"><span style="font-size: small;"><span class="" id="result_box" lang="ms"><span class="hps">Bagaimana</span> Espresso Factor <span class="hps">meningkatkan</span> <span class="hps">kekayaan anda</span><span>?</span> <span class="hps">Berikutan daripada</span> <span class="hps">contoh sebelumnya</span> <span class="hps">dengan pulangan</span> <span class="hps">tahunan</span> <span class="hps">6%,</span> <span class="hps">jika kita bandingkan</span> Latte Factor dengan Espresso Factor<span class="">, jumlah yang terkumpul bukan</span> <span class="hps">RM300,000</span><span>, sebaliknya anda akan</span> <span class="hps">mengumpul</span> <span class="hps">lebih daripada</span> <span class="hps">RM538,</span><span class="hps">000.</span> <span class="hps">Ini merupakan peningkatan</span> <span class="hps">78%</span> <span class="hps">dalam Akaun</span> <span class="hps">Latte</span> <span class="hps">anda selepas</span> <span class="hps">30 tahun</span> <span class="hps">dan lebih daripada</span> <span class="hps">separuh</span> <span class="hps">matlamat</span> Se<span class="hps">juta</span> <span class="hps">Ringgit.</span> <span class="hps">Dalam erti kata lain</span><span>, anda akan mempunyai</span> <span class="hps">tambahan</span> <span class="hps">RM238,</span><span class="hps">000</span> <span class="hps">hanya</span> <span class="hps">dengan meningkatkan</span> <span class="hps">kadar simpanan anda</span> <span class="hps">sebanyak 5%</span> <span class="hps">setiap tahun.</span></span></span></span></div>
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<span style="font-family: inherit;"><span style="font-size: small;"><span class="" id="result_box" lang="ms"><span class="hps">Pergi</span> se<span class="hps">langkah lebih jauh dan</span> pastikan <span class="hps">Akaun</span> <span class="hps">Latte</span> <span class="hps">anda bekerja</span> <span class="hps">lebih keras</span> <span class="hps">dengan menubuhkan</span> <span class="hps"></span></span><span class="" id="result_box" lang="ms"><span class="hps"><span class="" id="result_box" lang="ms"><span class="hps">portfolio</span> <span class="hps">pelaburan</span> <span class="hps"></span></span>baik </span><span class="hps">dan</span> <span class="hps">diuruskan dengan cekap</span> sekaligus memberikan <span class="hps">anda pulangan</span> <span class="hps">tahunan</span> <span class="hps">dua</span> <span class="hps">angka.</span> Lihatlah <span class="hps">simpanan anda berkembang</span> <span class="hps">seperti mereka</span> <span class="hps">benar-benar mengambil </span><span class="hps">steroid</span><span class="">!</span></span></span></span></div>
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<span style="font-family: inherit;"><span style="font-size: small;"><span class="" id="result_box" lang="ms"><span class="hps">Bagaimana kita</span> <span class="hps">boleh memastikan </span></span><span class="" id="result_box" lang="ms"><span class="hps"><span class="" id="result_box" lang="ms">Latte Factor </span></span><span class="hps">dan</span> </span><span class="" id="result_box" lang="ms">Espresso Factor<span class=""> </span></span><span class="" id="result_box" lang="ms"><span class="hps"></span><span class="hps">bekerja untuk kita</span> <span class="hps">dalam situasi kehidupan seharian?</span></span></span></span></div>
<span style="font-family: inherit;"><span style="font-size: small;"><span class="" id="result_box" lang="ms"><span class="hps">Beberapa contoh</span> <span class="hps">praktikal</span> <span class="hps">adalah:</span><br /><br /><span class="hps">●</span> <span class="hps">Rebus</span> <span class="hps">air sendiri</span> <span class="hps">dan mengisi</span> <span class="hps">botol anda</span> <span class="hps">sendiri untuk</span> <span class="hps">minum</span> <span class="hps">daripada membeli</span> <span class="hps">air botol mineral.</span><br /><br /><span class="hps">●</span> <span class="hps">Tamatkan</span> <span class="hps">keahlian</span> <span class="hps">gimnasium</span> yang anda telah <span class="hps">daftar </span><span class="hps">tetapi tidak pernah</span> <span class="hps">digunakan selepas</span> <span class="hps">beberapa bulan pertama.</span><br /><br /><span class="hps">●</span> <span class="hps">Menjemput kawan-kawan</span> <span class="hps">anda ke rumah </span><span class="hps">untuk</span> Pot-Luck <span class="hps">daripada pergi</span> <span class="hps">keluar untuk</span> <span class="hps">makan.</span><br /><br /><span class="hps">●</span> <span class="hps">B</span><span class="hps">erhenti merokok</span> <span class="hps">ianya</span><span class="hps"></span> <span class="hps">juga baik untuk</span> <span class="hps">kesihatan anda!</span><br /><br /><span class="hps">Dapatkah anda memahami idea ini</span><span class="hps">?</span><br /><br /><span class="hps">Jika</span> <span class="hps">anda masih tidak boleh</span> <span class="hps">memahami</span> pengiraan <span class="hps">di sebalik</span> <span class="hps">itu semua,</span> <span class="hps">hubungi</span> <span class="hps">perancang kewangan</span> <span class="hps">anda dan biarkan mereka</span> <span class="hps">mengendalikan</span> pengiraan <span class="hps">untuk anda</span> sambil menghirup kopi<span class="hps">.</span> <span class="hps">Anda hanya perlu</span> <span class="hps">rakan</span> <span class="hps">kewangan</span> <span class="hps">untuk bekerja dengan</span> <span class="hps">anda bagi meningkatkan</span> <span class="hps">kedudukan kewangan anda.</span> Berikan<span class="hps"> tumpuan kepada</span> </span></span></span><span style="font-family: inherit;"><span style="font-size: small;">Latte Factor <span class="" id="result_box" lang="ms"><span class="hps"></span></span></span></span><span style="font-family: inherit;"><span style="font-size: small;"><span class="" id="result_box" lang="ms"><span class="hps">dan</span> <span class="hps">Espresso</span> Fac<span style="font-size: small;">tor </span><span class="hps">anda - mereka</span> <span class="hps">benar-benar</span> bo<span style="font-size: small;">le</span>h <span class="hps">menambah kekayaan</span><span>!</span></span></span></span><div style="color: #333333; line-height: 21px; margin-bottom: 15px; padding: 0px;">
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<span style="font-family: inherit;"><span style="font-size: small;">Taken from <a href="http://biz.thestar.com.my/news/story.asp?file=/2013/4/29/business/13034656&sec=business" target="_blank">thestar</a></span></span></div>
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Anonymoushttp://www.blogger.com/profile/05486412548246605716noreply@blogger.com0tag:blogger.com,1999:blog-3696765873020706442.post-21930323524590873292013-04-21T06:53:00.004-07:002013-04-21T07:37:13.440-07:00MRTA atau MLTA<br />
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<span style="color: #666666; font-family: Trebuchet MS, Verdana, Arial; font-size: small;">Pada asasnya terdapat dua jenis insurans gadai janji yang terdapat di pasaran, Gadai Janji Term Assurance (MRTA) dan Gadai Janji Level Term Assurance (MLTA).</span></div>
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<span style="color: #666666; font-family: 'Trebuchet MS', Verdana, Arial; font-size: small;"> </span><img alt="" height="213" 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" width="320" /><br />
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<span style="color: #666666; font-family: 'Trebuchet MS', Verdana, Arial; font-size: small;">MLTA adalah perubahan sedikit dari MRTA dan menawarkan alternatif bagi peminjam yang sedang mencari insurans hayat yang menawarkan perlindungan serta simpanan dan dalam beberapa dasar pulangan premium.</span></div>
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<span style="color: #666666; font-family: 'Trebuchet MS', Verdana, Arial; font-size: small;">Secara ringkas MLTA menawarkan </span><span style="color: #666666; font-family: 'Trebuchet MS', Verdana, Arial; font-size: small;"><span style="color: #666666; font-family: 'Trebuchet MS', Verdana, Arial; font-size: small;">perlindungan tetap </span>/ selaras, membolehkan anda untuk membeli / menjual harta dengan menggunakan perlindungan MLTA yang </span><span style="color: #666666; font-family: 'Trebuchet MS', Verdana, Arial; font-size: small;">sama</span><span style="color: #666666; font-family: 'Trebuchet MS', Verdana, Arial; font-size: small;"> </span><span style="color: #666666; font-family: 'Trebuchet MS', Verdana, Arial; font-size: small;">& menawarkan nilai tunai (cash value) kembali berbanding MRTA.</span><br />
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<span style="color: #666666; font-family: 'Trebuchet MS', Verdana, Arial; font-size: small;"><img alt="" height="175" 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" 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" width="320" /> </span></div>
<div style="margin-bottom: 15px; padding: 0px;">
<span style="color: #666666; font-family: 'Trebuchet MS', Verdana, Arial; font-size: small;">Patut diambil perhatian dimana pada kebanyakan masa, adalah tidak wajib untuk seseorang membeli MRTA dari bank yang <span style="font-size: small;">sama</span> anda mendapatkan pinjaman perumahan , jika bank itu memberitahu anda sebegitu sila berhubung dengan kami.</span></div>
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<span style="background-color: transparent; font-size: small;"><span style="color: #666666; font-family: Trebuchet MS, Verdana, Arial;"><b>Jadual di bawah menunjukkan perbezaan di antara</b></span></span><span style="font-size: small;"><b style="color: #666666; font-family: 'Trebuchet MS',Verdana,Arial;"> MRTA dan MLTA</b></span></div>
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<table cellpadding="6" cellspacing="0" style="background-color: #f1f1f1; border: 1px solid rgb(242, 101, 34); color: #666666; font-family: 'Trebuchet MS', Verdana, Arial; font-size: 13px; width: 615px;"><tbody>
<tr><td bgcolor="#f26522" width="125"></td><td align="center" bgcolor="#f26522" class="ins-white-text" style="color: white; font-weight: bold;" width="255">MRTA</td><td align="center" bgcolor="#f26522" class="ins-white-text" style="color: white; font-weight: bold;">MLTA</td></tr>
<tr><td class="orange-border-right orange-border-bottom" style="border-bottom-color: rgb(253, 101, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(253, 101, 0); border-right-style: solid; border-right-width: 1px; margin-bottom: 2px; margin-left: 0px !important; margin-right: 0px !important;" valign="top"><b>Tujuan</b></td><td class="orange-border-right orange-border-bottom" style="border-bottom-color: rgb(253, 101, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(253, 101, 0); border-right-style: solid; border-right-width: 1px; margin-bottom: 2px; margin-left: 0px !important; margin-right: 0px !important;" valign="top">Perlindungan</td><td class="orange-border-bottom" style="border-bottom-color: rgb(253, 101, 0); border-bottom-style: solid; border-bottom-width: 1px; margin-bottom: 2px; margin-left: 0px !important; margin-right: 0px !important;" valign="top">Protection, Saving & Cash Value</td></tr>
<tr><td class="orange-border-right orange-border-bottom" style="border-bottom-color: rgb(253, 101, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(253, 101, 0); border-right-style: solid; border-right-width: 1px; margin-bottom: 2px; margin-left: 0px !important; margin-right: 0px !important;" valign="top"><b><span style="font-size: small;">Perlindungan</span></b></td><td class="orange-border-right orange-border-bottom" style="border-bottom-color: rgb(253, 101, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(253, 101, 0); border-right-style: solid; border-right-width: 1px; margin-bottom: 2px; margin-left: 0px !important; margin-right: 0px !important;" valign="top">Perlindungan yang <b>BERKURANGAN </b>sepanjang tempoh pinjaman</td><td class="orange-border-bottom" style="border-bottom-color: rgb(253, 101, 0); border-bottom-style: solid; border-bottom-width: 1px; margin-bottom: 2px; margin-left: 0px !important; margin-right: 0px !important;" valign="top">Perlindungan <b>TETAP </b>sepanjang tempoh pinjaman</td></tr>
<tr><td class="orange-border-right orange-border-bottom" style="border-bottom-color: rgb(253, 101, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(253, 101, 0); border-right-style: solid; border-right-width: 1px; margin-bottom: 2px; margin-left: 0px !important; margin-right: 0px !important;" valign="top"><b><span style="font-size: small;">Kebolehan untuk digunapakai se<span style="font-size: small;">mula</span></span></b></td><td class="orange-border-right orange-border-bottom" style="border-bottom-color: rgb(253, 101, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(253, 101, 0); border-right-style: solid; border-right-width: 1px; margin-bottom: 2px; margin-left: 0px !important; margin-right: 0px !important;" valign="top"><b>TIDAK </b>boleh dipindah ke pembiayaan atau refinance hartanah baru. Premium juga akan <b>MENINGKAT </b>mengikut umur </td><td class="orange-border-bottom" style="border-bottom-color: rgb(253, 101, 0); border-bottom-style: solid; border-bottom-width: 1px; margin-bottom: 2px; margin-left: 0px !important; margin-right: 0px !important;" valign="top"><b>BOLEH </b>dipindah ke pembiayaan atau refinance hartanah baru. MLTA boleh di lampirkan kepada apa-apa jenis pembiayaan. Premium yang <b>SAMA</b>.</td></tr>
<tr><td class="orange-border-right orange-border-bottom" style="border-bottom-color: rgb(253, 101, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(253, 101, 0); border-right-style: solid; border-right-width: 1px; margin-bottom: 2px; margin-left: 0px !important; margin-right: 0px !important;" valign="top"><b>Nilai tunai (Cash Value)</b></td><td class="orange-border-right orange-border-bottom" style="border-bottom-color: rgb(253, 101, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(253, 101, 0); border-right-style: solid; border-right-width: 1px; margin-bottom: 2px; margin-left: 0px !important; margin-right: 0px !important;" valign="top">Nilai Tunai <b>BERKURANGAN </b>sepanjang tempoh pinjaman. Biasanya adalah lebih rendah daripada Premium, dan jatuh ke RM0 pada akhir tempoh pinjaman.</td><td class="orange-border-bottom" style="border-bottom-color: rgb(253, 101, 0); border-bottom-style: solid; border-bottom-width: 1px; margin-bottom: 2px; margin-left: 0px !important; margin-right: 0px !important;" valign="top">Nilai tunai tetap (<b>DIJAMIN</b>) sepanjang tempoh pinjaman. Pemegang polisi akan mendapat semula premium yang dibayar dimasa hadapan. </td></tr>
<tr><td class="orange-border-right orange-border-bottom" style="border-bottom-color: rgb(253, 101, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(253, 101, 0); border-right-style: solid; border-right-width: 1px; margin-bottom: 2px; margin-left: 0px !important; margin-right: 0px !important;" valign="top"><b>Waris</b></td><td class="orange-border-right orange-border-bottom" style="border-bottom-color: rgb(253, 101, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(253, 101, 0); border-right-style: solid; border-right-width: 1px; margin-bottom: 2px; margin-left: 0px !important; margin-right: 0px !important;" valign="top">Waris adalah bank</td><td class="orange-border-bottom" style="border-bottom-color: rgb(253, 101, 0); border-bottom-style: solid; border-bottom-width: 1px; margin-bottom: 2px; margin-left: 0px !important; margin-right: 0px !important;" valign="top">Sesiapa sahaja boleh menjadi waris</td></tr>
<tr><td class="orange-border-right orange-border-bottom" style="border-bottom-color: rgb(253, 101, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(253, 101, 0); border-right-style: solid; border-right-width: 1px; margin-bottom: 2px; margin-left: 0px !important; margin-right: 0px !important;" valign="top"><b>Pembayaran premium</b></td><td class="orange-border-right orange-border-bottom" style="border-bottom-color: rgb(253, 101, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(253, 101, 0); border-right-style: solid; border-right-width: 1px; margin-bottom: 2px; margin-left: 0px !important; margin-right: 0px !important;" valign="top">Bayaran sekaligus atau dibiayakan ke dalam pinjaman gadai janji.</td><td class="orange-border-bottom" style="border-bottom-color: rgb(253, 101, 0); border-bottom-style: solid; border-bottom-width: 1px; margin-bottom: 2px; margin-left: 0px !important; margin-right: 0px !important;" valign="top">Bayaran boleh dibuat secara tahunan, setengah tahun, suku tahun atau bulanan </td></tr>
<tr><td class="orange-border-right orange-border-bottom" style="border-bottom-color: rgb(253, 101, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(253, 101, 0); border-right-style: solid; border-right-width: 1px; margin-bottom: 2px; margin-left: 0px !important; margin-right: 0px !important;" valign="top"><b>Premium</b></td><td class="orange-border-right orange-border-bottom" style="border-bottom-color: rgb(253, 101, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(253, 101, 0); border-right-style: solid; border-right-width: 1px; margin-bottom: 2px; margin-left: 0px !important; margin-right: 0px !important;" valign="top">Rendah</td><td class="orange-border-bottom" style="border-bottom-color: rgb(253, 101, 0); border-bottom-style: solid; border-bottom-width: 1px; margin-bottom: 2px; margin-left: 0px !important; margin-right: 0px !important;" valign="top">Tinggi</td></tr>
<tr><td class="orange-border-right orange-border-bottom" style="border-bottom-color: rgb(253, 101, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(253, 101, 0); border-right-style: solid; border-right-width: 1px; margin-bottom: 2px; margin-left: 0px !important; margin-right: 0px !important;" valign="top"><b>Contoh premium*</b></td><td class="orange-border-right orange-border-bottom" style="border-bottom-color: rgb(253, 101, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(253, 101, 0); border-right-style: solid; border-right-width: 1px; margin-bottom: 2px; margin-left: 0px !important; margin-right: 0px !important;" valign="top">Sekaligus RM1, 186,34</td><td class="orange-border-bottom" style="border-bottom-color: rgb(253, 101, 0); border-bottom-style: solid; border-bottom-width: 1px; margin-bottom: 2px; margin-left: 0px !important; margin-right: 0px !important;" valign="top">RM607.2 sebulan atau RM7,286.4 setahun atau RM218,592 sepanjang tempoh pinjaman</td></tr>
<tr><td class="orange-border-right orange-border-bottom" style="border-bottom-color: rgb(253, 101, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(253, 101, 0); border-right-style: solid; border-right-width: 1px; margin-bottom: 2px; margin-left: 0px !important; margin-right: 0px !important;" valign="top"><b>Contoh jika tiada kematian atau hilang upaya menyeluruh (TPD) *</b></td><td class="orange-border-right orange-border-bottom" style="border-bottom-color: rgb(253, 101, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(253, 101, 0); border-right-style: solid; border-right-width: 1px; margin-bottom: 2px; margin-left: 0px !important; margin-right: 0px !important;" valign="top">Pada akhir tempoh, pemilik akan menerima RM0</td><td class="orange-border-bottom" style="border-bottom-color: rgb(253, 101, 0); border-bottom-style: solid; border-bottom-width: 1px; margin-bottom: 2px; margin-left: 0px !important; margin-right: 0px !important;" valign="top">Pada akhir tempoh, pemilik akan menerima RM218,592</td></tr>
<tr><td class="orange-border-right orange-border-bottom" style="border-bottom-color: rgb(253, 101, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(253, 101, 0); border-right-style: solid; border-right-width: 1px; margin-bottom: 2px; margin-left: 0px !important; margin-right: 0px !important;" valign="top"><b>Example if there is death or TPD**</b></td><td class="orange-border-right orange-border-bottom" style="border-bottom-color: rgb(253, 101, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(253, 101, 0); border-right-style: solid; border-right-width: 1px; margin-bottom: 2px; margin-left: 0px !important; margin-right: 0px !important;" valign="top">Syarikat insurans akan membayar baki pinjaman sebanyak RM372k kepada bank & waris akan menerima rumah.</td><td class="orange-border-bottom" style="border-bottom-color: rgb(253, 101, 0); border-bottom-style: solid; border-bottom-width: 1px; margin-bottom: 2px; margin-left: 0px !important; margin-right: 0px !important;" valign="top">Syarikat insurans akan membayar baki pinjaman sebanyak RM372k kepada bank & waris akan menerima rumah <b>DAN </b>RM100k tunai.</td></tr>
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Courtesy of : <a href="http://www.property.cc/khim-associates" target="_blank">Property.cc</a><br />
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<br /></td><td class="orange-border-right" style="border-right-color: rgb(253, 101, 0); border-right-style: solid; border-right-width: 1px;"><b>Kelemahan </b><b>MRTA </b><br />
<ul class="ins-list" style="list-style: url(http://www.property.cc/images/khim-associates/orange-square-list.gif); margin-left: 10px; padding: 0px;">
<li>Perlindungan berkurangan setiap tahun kadar BLR Terapung = boleh menyebabkan liputan yang tidak memadai & memerlukan pinjaman perumahan yang berterusan</li>
<li>Tiada Nilai Tunai</li>
<li>Tidak boleh Pindah Untuk pembelian Hartanah Baru</li>
<li>Tidak Boleh Bantu Anda mengurangkan jumlah pembayaran Faedah Pinjaman atau Memendekkan Tempoh Pinjaman</li>
</ul>
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<a href="http://www.property.cc/khim-associates" style="color: #03a0fa; text-decoration: none;"><img border="0" src="http://www.property.cc/images/khim-associates/mrta-small.jpg" style="border: none;" title="mouse over to view chart" /></a></center>
<br /></td><td><b>MLTA’s Advantages</b><br />
<ul class="ins-list" style="list-style: url(http://www.property.cc/images/khim-associates/orange-square-list.gif); margin-left: 10px; padding: 0px;">
<li>Perlindungan tetap</li>
<li>Nilai tunai yang dijamin</li>
<li>Boleh digunapakai semula untuk pembelian hartanah baru</li>
<li>Bantu mengurangkan jumlah pembayaran faedah pinjaman dan mengurangkan tempoh pinjaman. </li>
</ul>
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