Tag: MoneyManagement
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Auto-Debit ASB: The “Set and Forget” Hack for Future You
Saving money manually is like convincing yourself to “start eating healthy on Monday.” You have the best intentions, but somehow, that nasi lemak still finds its way to your plate. Enter ASB auto-debit, the life hack that takes the thinking (and temptation) out of saving. Just set it up once, and boom—your future self gets…
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How to Start Saving in 3 Steps
So, you just got your first job—congrats! You’re finally earning your own money, maybe living on your own, and figuring out this whole adulting thing. You scroll through social media, and everyone’s talking about Takaful, savings, retirement plans… but hold up, do you really need to worry about all that now? Or maybe you already…
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Medical Card Is A Waste of Money?
Amir (real name hahaha) pays about RM100 for ASTRO bill every month without fail for the Sport’s package. RM100 gone each time. The thing is, we barely watches Astro. Almost ten years in, he suddenly feels like it’s a waste. “I’ve spent so much, but I barely watch the television. I always come home late,…
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From Cost to Care: A Smarter Way to Manage Employee Medical Benefits
Hi, my name is Aliya and here’s why your company should consider getting corporate medical and health benefits with me and AIA Public Takaful. First things first – What’s Group Takaful? It’s a life/medical takaful certificate that covers a group of people (usually employees). The employer (you!) is the certificate owner, and the employees are…
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Switching Payment Methods Like a Pro on AIA+ App
Need to change your payment method? No problem! Just hop onto the AIA+ app and follow the steps to update your details. A few taps, a quick confirmation, and boom—your new payment method is locked in. Just read on until the end and let me show you how. But hey, before you proceed—quick question. Need…
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The Harsh Truth: What Happens When You Can’t Work Anymore?
Imagine this. One day, you lose your ability to work—not because you want to, but because of total and permanent disability or a critical illness. What happens then? The company you gave your blood, sweat, and tears for? They won’t be around for long. It’s not personal; it’s just how things work. And your commitments?…
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Want to Create a RM1 Million Legacy for Your Children?
I had a conversation with a client who has two kids. He told me he had already set aside RM1 million for each of them. That’s RM2 million in total! While that’s a solid plan, I asked him, “Why not put aside just a portion of that money and let Takaful do the heavy lifting?”…
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So, how do I open a Private Retirement Scheme account?
So, you’ve read Part 1 and Part 2 of my Private Retirement Scheme series, and now you’re ready to start. What’s next? First things first—head over to ppa.my for self-registration. Isn’t it great that we can do this online now?” 1. You’ll then be directed to this page. Enter your name, email, and mobile number.…
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Asb Dividend Calculation
ASB (Direct Investment) The dividend for Amanah Saham Bumiputera (ASB) is calculated monthly on a prorated basis based on the minimum or available balance in the account. When I asked the bank officer (when doing top up over the counter), this is what I was told. 1. Minimum Monthly Balance: • ASB calculates the dividend…
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Retirement Planning Made Simple: Your Guide to Private Retirement Schemes (PRS)
This is Part 2 In Part 1, I shared an overview of the Private Retirement Scheme (PRS) and the basics you might want to know to get started. Curious? Click here to read Part 1. Imagine this: It’s the weekend, and you’re scrolling on your phone, dreaming of your future – maybe sipping coffee on…
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Aliyawanders 