Tag: MoneyMatters
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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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How I Got Caught in a Holiday Membership Trap in Bali
Looking back, one of my biggest regrets happened in 2010. My husband and I were barely a year into our marriage when we found ourselves saddled with a RM30K holiday membership debt. And no, it wasn’t because we were being extravagant – it all started with a cleverly disguised “reward” trip to Bali. Here’s how…
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Aliyawanders 