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> KWSP dan Socso, can change with another things?

K.I.T.T
post May 6 2012, 11:43 AM


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if i am become employer one day.but i dont want do caruman with KWSP and Socso can or not?
i want change wiith another 3rd party things. can or not?

As I know KWSP- SImpana hari tua/selepas pencen.
Buat beli rumah.
Thats all.

As I know Socso: Accident happend Socso cover.

hmm.gif

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This post has been edited by K.I.T.T: May 6 2012, 11:52 AM
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YameteOniichan
post May 6 2012, 11:51 AM


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you cant.

Full stop.

Blame your ancestors for being so fucuking stupid and not saving for their old, forcing people to come up with this kind of fund.
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MRaef
post May 6 2012, 11:52 AM


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Cannot bro. It's mandatory.


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K.I.T.T
post May 6 2012, 11:53 AM


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QUOTE(YameteOniichan @ May 6 2012, 11:51 AM)
you cant.

Full stop.

Blame your ancestors for being so fucuking stupid and not saving for their old, forcing people to come up with this kind of fund.
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hmm.gif

This post has been edited by K.I.T.T: May 6 2012, 11:53 AM
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mypetridish
post May 6 2012, 11:53 AM


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QUOTE(K.I.T.T @ May 5 2012, 11:43 PM)
if i am become employer one day.but i dont want do caruman with KWSP and Socso can or not?
i want change wiith another 3rd party things. can or not?

As I know KWSP-          SImpana hari tua/selepas pencen.
                                   Buat beli rumah.
                                   Thats all.

As I know Socso:         Accident happend Socso cover.

hmm.gif
*
For KWSP Account 1, you can take out a portion and put into unit trust funds

Later this year the government will introduce dicrect contribution of your "EPF" straight into unit trust companies without having to go to KWSP first...

Caruman KWSP is required to every employee, save for those who are directors of their own companies, or employees working for companies with less than 5 people.

For KWSP Account 2, you can use it for education funding as well, like if you want to pursure a masters or sit for a professional paper.

This post has been edited by mypetridish: May 6 2012, 11:53 AM
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K.I.T.T
post May 6 2012, 11:58 AM


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QUOTE(mypetridish @ May 6 2012, 11:53 AM)
For KWSP Account 1, you can take out a portion and put into unit trust funds

Later this year the government will introduce dicrect contribution of your "EPF" straight into unit trust companies without having to go to KWSP first...

Caruman KWSP is required to every employee, save for those who are directors of their own companies, or employees working for companies with less than 5 people.

For KWSP Account 2, you can use it for education funding as well, like if you want to pursure a masters or sit for a professional paper.
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i want replace with This

because i see KWSP package and Socso package tak berapa menarik. laugh.gif
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ar188
post May 6 2012, 12:25 PM


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QUOTE(K.I.T.T @ May 6 2012, 11:43 AM)
if i am become employer one day.but i dont want do caruman with KWSP and Socso can or not?
i want change wiith another 3rd party things. can or not?

As I know KWSP-          SImpana hari tua/selepas pencen.
                                  Buat beli rumah.
                                  Thats all.

As I know Socso:        Accident happend Socso cover.

hmm.gif

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yourself can (just dun pay yourself salary lor), your worker kennot got salary need to pay epf and socso.. biggrin.gif
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K.I.T.T
post May 6 2012, 12:32 PM


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QUOTE(ar188 @ May 6 2012, 12:25 PM)
yourself can (just dun pay yourself salary lor), your worker kennot got salary need to pay epf and socso..  biggrin.gif
*
no no.what i mean. ok like this.my workes salary i give RM 968.00 ..but the RM 68 earlier 1 hb ~7 hb will deduct by insurance company. brows.gif because i see Prudentil got package offer Inveesement + insurance together...per month with RM 68 can get protection RM 10k.cover 33 disease.TPD (lumpuh sepenuhnya) also can cover. smile.gif

so let said after 2 years my workers will earn dividen sebanyak RM 600 from this package...if not mistaken Prudential give 6% Dividen for this package.and this money its my workers money.not my money.i just pay for him only.

he stop working or quit i stop pay. laugh.gif if he accident or TPD he claim direct to insurance.because insurance under his name.not my company or my name.
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azbro
post May 6 2012, 12:33 PM


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Those things are important when accident happen and old age.

Actually, KWSP for paying house oledi more than enough to have a big impact on the accounts.

But still, if you want t use KWSP money to buy iphone, tablets, DSLR, waste on I love you, you love me over the phone, also can...but you still need a house under your name and later pump in KWSP and then refinance it.

This post has been edited by azbro: May 6 2012, 12:34 PM
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ar188
post May 6 2012, 12:35 PM


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QUOTE(K.I.T.T @ May 6 2012, 12:32 PM)
no no.what i mean. ok like this.my workes salary i give RM 968.00 ..but the RM 68 earlier 1 hb ~7 hb will deduct by insurance company. brows.gif  because i see Prudentil got package offer Inveesement + insurance together...per month with RM 68 can get protection RM 10k.cover 33 disease.TPD (lumpuh sepenuhnya) also can cover. smile.gif

so let said after 2 years my workers will earn dividen sebanyak RM 600 from this package...if not mistaken Prudential give 6% Dividen for this package.and this money its my workers money.not my money.i just pay for him only.

he stop working or quit i stop pay. laugh.gif if he accident or TPD he claim direct to insurance.because insurance under his name.not my company or my name.
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for yourself can, for your worker kennot (no rule say can stop EPF and use it for Pru cash.) .. biggrin.gif
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freedom4me
post May 6 2012, 12:40 PM


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pay only
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K.I.T.T
post May 6 2012, 12:41 PM


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QUOTE(ar188 @ May 6 2012, 12:35 PM)
for yourself can, for your worker kennot (no rule say can stop EPF and use it for Pru cash.) .. biggrin.gif
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what exactly u meaning this? i already have this package.same time i want my workers have this also.but of course i pay for him. hmm.gif


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ar188
post May 6 2012, 12:43 PM


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QUOTE(K.I.T.T @ May 6 2012, 12:41 PM)
what exactly u meaning this? i already have this package.same time i want my workers have this also.but of course i pay for him. hmm.gif
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you pay for his EPF socso is normal practice, but if you want to pay for his PruCash.. that's extra from your pocket lor.. you kennot stop his EPF/.Socso.
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K.I.T.T
post May 6 2012, 12:44 PM


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QUOTE(ar188 @ May 6 2012, 12:43 PM)
you pay for his EPF socso is normal practice, but if you want to pay for his PruCash.. that's extra from your pocket lor.. you kennot stop his EPF/.Socso.
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KWSP punya pengiraan macam mana? hmm.gif
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jiaxun
post May 6 2012, 12:45 PM


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QUOTE(K.I.T.T @ May 6 2012, 12:44 PM)
KWSP punya pengiraan macam mana?  hmm.gif
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you pay 12% of his salary, he will pay 11% of his salary.
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ar188
post May 6 2012, 12:46 PM


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QUOTE(jiaxun @ May 6 2012, 12:45 PM)
you pay 12% of his salary, he will pay 11% of his salary.
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13% now for employer portion. (for below 5k salary)
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K.I.T.T
post May 6 2012, 12:46 PM


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QUOTE(jiaxun @ May 6 2012, 12:45 PM)
you pay 12% of his salary, he will pay 11% of his salary.
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12% from company profit? hmm.gif
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K.I.T.T
post May 6 2012, 12:47 PM


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QUOTE(ar188 @ May 6 2012, 12:46 PM)
13% now for employer portion. (for below 5k salary)
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what if i am enterprise (sole Propietor)?
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fiqir
post May 6 2012, 12:48 PM


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QUOTE(K.I.T.T @ May 6 2012, 12:46 PM)
12% from company profit?  hmm.gif
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company loss also u must pay that.
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ar188
post May 6 2012, 12:48 PM


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QUOTE(K.I.T.T @ May 6 2012, 12:47 PM)
what if i am enterprise (sole Propietor)?
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u employ ppl using your company, you still have to pay their EPF/socso mah.. biggrin.gif
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K.I.T.T
post May 6 2012, 12:52 PM


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QUOTE(ar188 @ May 6 2012, 12:48 PM)
u employ ppl using your company, you still have to pay their EPF/socso mah..  biggrin.gif
*
thats why i think to change with Prudential.. RM 68 sebulan become nothing for me... laugh.gif but same time i dont want carum KWSP+Socso...

but if Sdn Bhd company must have this KWSP and Socso right?

This post has been edited by K.I.T.T: May 6 2012, 12:54 PM
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K.I.T.T
post May 6 2012, 12:56 PM


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QUOTE(fiqir @ May 6 2012, 12:48 PM)
company loss also u must pay that.
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tu hari orang KWSP dah turun sini.dia carik company lama.

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K.I.T.T
post May 6 2012, 01:01 PM


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this compare KWSP or Socso mana lagi bagus? rclxms.gif
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Benny-T
post May 6 2012, 01:05 PM


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QUOTE(K.I.T.T @ May 6 2012, 01:01 PM)
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this compare KWSP or Socso mana lagi bagus? rclxms.gif
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ini have to deposit how long ah?
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ar188
post May 6 2012, 01:07 PM


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QUOTE(Benny-T @ May 6 2012, 01:05 PM)
ini have to deposit how long ah?
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no see the photo meh.. 20year..
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Benny-T
post May 6 2012, 01:07 PM


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QUOTE(ar188 @ May 6 2012, 01:07 PM)
no see the photo meh.. 20year..
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deposit for 20 years????
so long eh
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K.I.T.T
post May 6 2012, 01:11 PM


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QUOTE(Benny-T @ May 6 2012, 01:05 PM)
ini have to deposit how long ah?
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u gaji berapa bro? dia ada satu lagi pakej.Double Cash reward.u bulan bulan RM 500. every year u got dividen.then the RM 500 just for 5 years only... then the balance just enjoy uself...(u still get dividen after 5 years) then the saving u can keluarkan after 15 years...if u aborting this plan in the middle (u tak nak bayar lagi it still ada balance for u lagi. tongue.gif )

kalau aku amik pakej yang RM 500 sebulan tu makan pasir aku nanti.so aku ambil la pakej RM 68 per month. tongue.gif

RM 68 sebulan banyak aku boleh berjimat. tongue.gif workers jump masuk company lain.aku stop la payment bende ni. biggrin.gif

This post has been edited by K.I.T.T: May 6 2012, 01:13 PM
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yoyomandroid
post May 6 2012, 01:16 PM


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tertarik dgn bebenang ini. still belum bekerja, but cuba memahami apakejadah benda PRUCash KWSP & Socso. thanks TS & /k. tmpt menimba ilmu & pengalaman.

rclxub.gif
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K.I.T.T
post May 6 2012, 01:16 PM


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QUOTE(ar188 @ May 6 2012, 01:07 PM)
no see the photo meh.. 20year..
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so how bro? actualy my plan good or not? but of course i will tell the worker about this...sekarang nak cari pekerja susah.lagi lagi orang tempatan.semua nak kerja gomen. blink.gif sweat.gif doh.gif
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K.I.T.T
post May 6 2012, 01:21 PM


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QUOTE(yoyomandroid @ May 6 2012, 01:16 PM)
tertarik dgn bebenang ini. still belum bekerja, but cuba memahami apakejadah benda PRUCash KWSP & Socso. thanks TS & /k. tmpt menimba ilmu & pengalaman.

rclxub.gif
*
ko kerja bawah company lain diorang bagi Socso+KWSP.tapi ko keja dengan aku ..gaji aku bagi RM 968 per month tapi awal bulan 1hb ~ 7hb Prudential akan deduct RM 68. gaji ko sebenarnya RM 900.tapi in real world (dalam slip gaji) RM 68 aku classified as advanced.

ko denggi ke / langgar paku karat ke ko sendiri claim pergi kat Insurance...Insurance tu bayar..insunracen tu nama ko 100%.company aku tukang bayar..esok lusa ko nak pergi kerja kat tempat lain tambah pengalaman insurance tu masih kekal dibawah nama ko....nak batalkan? nak giveup? sendiri tentukan.cukup 20 tahun nak keluarkan semua duit to.dipersilakan.kalau tak salah aku lepas 20 tahun total yang ada RM 8k lebih..

kalau esok lusa Prudential kena takeover by other firm thats another story la.

This post has been edited by K.I.T.T: May 6 2012, 01:26 PM
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Break Prick
post May 6 2012, 01:22 PM


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QUOTE(mypetridish @ May 5 2012, 08:53 PM)
For KWSP Account 1, you can take out a portion and put into unit trust funds

Later this year the government will introduce dicrect contribution of your "EPF" straight into unit trust companies without having to go to KWSP first...

Caruman KWSP is required to every employee, save for those who are directors of their own companies, or employees working for companies with less than 5 people.

For KWSP Account 2, you can use it for education funding as well, like if you want to pursure a masters or sit for a professional paper.
*
It's meant to be retirement fund.. it's high risk to put money into unit trust ok ? unless u a businessman type of person..

somemore u can't simply take money and put it into any investment lah..
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izutaisa
post May 6 2012, 01:23 PM


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QUOTE(YameteOniichan @ May 6 2012, 11:51 AM)
you cant.

Full stop.

Blame your ancestors for being so fucuking stupid and not saving for their old, forcing people to come up with this kind of fund.
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ditto
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Break Prick
post May 6 2012, 01:27 PM


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QUOTE(K.I.T.T @ May 5 2012, 10:01 PM)
» Click to show Spoiler - click again to hide... «


this compare KWSP or Socso mana lagi bagus? rclxms.gif
*
ever heard of A Elite Saver from AIA ??

it's a 3 generation savings plan.. minimum annually u have to save is about RM3600 x 20 years

after that u can enjoy benefit until 88years liao ... every year also can get bonus cash.. thumbup.gif

read here for more info http://www.aia.com.my/en/individuals/produ...lite_saver.html

btw i pay lump sump of 400k for this plan thumbup.gif , and every year i can take cash bonus of 14k x 88 years = RM 1,232,000.00 rclxm9.gif

and after that my great grandson can enjoy the total of 400k + interest + sum assured = more than 10-15 million

This post has been edited by Break Prick: May 6 2012, 01:33 PM
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yoyomandroid
post May 6 2012, 01:29 PM


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QUOTE(K.I.T.T @ May 6 2012, 01:21 PM)
ko kerja bawah company lain diorang bagi Socso+KWSP.tapi ko keja dengan aku ..gaji aku bagi RM 968 per month tapi awal bulan 1hb ~ 7hb Prudential akan  deduct RM 68. gaji ko sebenarnya RM 900.tapi in real world (dalam slip gaji) RM 68 aku classified as advanced.

ko denggi ke / langgar paku karat ke ko sendiri claim pergi kat Insurance...Insurance tu bayar..insunracen tu nama ko 100%.company aku tukang bayar..esok lusa ko nak pergi kerja kat tempat lain tambah pengalaman insurance tu masih kekal dibawah nama ko....nak batalkan? nak giveup? sendiri tentukan.cukup 20 tahun nak keluarkan semua duit to.dipersilakan.kalau tak salah aku lepas 20 tahun total yang ada RM 8k lebih..

kalau esok lusa Prudential kena takeover by other firm thats another story la.
*
oh.. cmtu. kalau kerja dgn kerajaan bley tak saya ambil Socso+KWSP & prudential tu skali? bley ke wat cmtu? rasional ke?
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K.I.T.T
post May 6 2012, 01:32 PM


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QUOTE(Break Prick @ May 6 2012, 01:27 PM)
i highly not suggesting this PRUcash.. ever heard of A Elite Saver from AIA ??

it's a 3 generation savings plan.. minimum annually u have to save is about RM3600 x 20 years

after that u can enjoy benefit until 88years liao ... every year also can get bonus cash..  thumbup.gif
*
ni utk manager aku boleh la.gaji RM 2k plus this saving.masuk ofis muka senyum je. rclxms.gif

tapi syarikat Insurance sangat banyak tipu muslihat. biggrin.gif
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Break Prick
post May 6 2012, 01:37 PM


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QUOTE(K.I.T.T @ May 5 2012, 10:32 PM)
ni utk manager aku boleh la.gaji RM 2k plus this saving.masuk ofis muka senyum je. rclxms.gif

tapi syarikat Insurance sangat banyak tipu muslihat. biggrin.gif
*
tu lah pasal ko kena sign a correct plan bro.. nod.gif , btw still insurance company > bank

for me la , bank can go down .. but insurance company is too big to fail.. blush.gif
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K.I.T.T
post May 6 2012, 01:50 PM


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QUOTE(Break Prick @ May 6 2012, 01:37 PM)
tu lah pasal ko kena sign a correct plan bro..  nod.gif  , btw still insurance company > bank

for me la , bank can go down .. but insurance company is too big to fail..  blush.gif
*
company insurance sangat sesuai dijadikan value added utk PKS macm aku ni.

majikan lain bagi KWSP+socso majikan macam aku bagi Invesement+saving. rclxms.gif can u all imagine if manager/workers from other company/competitor jump in to my company because i am offering better package than others? brows.gif .later my company can sucessed like competitor company.

later plan if my workers chinese.i give him ASW.if bumi i give him ASB. rclxm9.gif (RM 100 per month) enough?

metaaliti orang ramai=Insurance / kaki tipu. laugh.gif cakap itu ini pastu claim tak boleh.

This post has been edited by K.I.T.T: May 6 2012, 02:07 PM
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Benny-T
post May 6 2012, 02:35 PM


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QUOTE(K.I.T.T @ May 6 2012, 01:21 PM)
ko kerja bawah company lain diorang bagi Socso+KWSP.tapi ko keja dengan aku ..gaji aku bagi RM 968 per month tapi awal bulan 1hb ~ 7hb Prudential akan  deduct RM 68. gaji ko sebenarnya RM 900.tapi in real world (dalam slip gaji) RM 68 aku classified as advanced.

ko denggi ke / langgar paku karat ke ko sendiri claim pergi kat Insurance...Insurance tu bayar..insunracen tu nama ko 100%.company aku tukang bayar..esok lusa ko nak pergi kerja kat tempat lain tambah pengalaman insurance tu masih kekal dibawah nama ko....nak batalkan? nak giveup? sendiri tentukan.cukup 20 tahun nak keluarkan semua duit to.dipersilakan.kalau tak salah aku lepas 20 tahun total yang ada RM 8k lebih..

kalau esok lusa Prudential kena takeover by other firm thats another story la.
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bro,i dah beli plan HLA la
simpan rm383 utk 6 tahun jer
pastu dpt GYI sampai 20/30/40
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K.I.T.T
post May 6 2012, 02:46 PM


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QUOTE(Benny-T @ May 6 2012, 02:35 PM)
bro,i dah beli plan HLA la
simpan rm383 utk 6 tahun jer
pastu dpt GYI sampai 20/30/40
*
HLA meaning Hong Leong Assurannce? hmm.gif so protection how much? got medic kad?
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ar188
post May 6 2012, 03:17 PM


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QUOTE(K.I.T.T @ May 6 2012, 01:16 PM)
so how bro? actualy my plan good or not? but of course i will tell the worker about this...sekarang nak cari pekerja susah.lagi lagi orang tempatan.semua nak kerja gomen. blink.gif  sweat.gif  doh.gif
*
your type of plan long ago i invest ler.. not in pru got similar in others from 6-15year also got (i remmeber you said some aunty insc sales already sold you something like that right?) biggrin.gif

for worker cannot ler.. you still have to pay their EPF n socso.. pru cash only you can convince them to buy themselves..
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K.I.T.T
post May 6 2012, 03:29 PM


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QUOTE(ar188 @ May 6 2012, 03:17 PM)
for worker cannot ler.. you still have to pay their EPF n socso..
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berniaga kat uptown pun kena jugak ke? blink.gif
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Benny-T
post May 6 2012, 03:31 PM


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QUOTE(K.I.T.T @ May 6 2012, 02:46 PM)
HLA meaning Hong Leong Assurannce?  hmm.gif so protection how much? got medic kad?
*
yearly 4600,1st year protection at 45k -+
since it's not for protection but purely savings,so i wouldnt insist on the protection
medic card,36 critical illness,all up to you and your needs la..
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empyreal
post May 6 2012, 03:33 PM


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QUOTE(K.I.T.T @ May 6 2012, 01:01 PM)
user posted image

this compare KWSP or Socso mana lagi bagus? rclxms.gif
*
returns from the fund tax-deductible or tax-defereed?

people often forget to include taxes.
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post May 6 2012, 03:33 PM


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QUOTE(Benny-T @ May 6 2012, 03:31 PM)
yearly 4600,1st year protection at 45k -+
since it's not for protection but purely savings,so i wouldnt insist on the protection
medic card,36 critical illness,all up to you and your needs la..
*
so how long u with HLA? u get and use what they offer?
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ar188
post May 6 2012, 03:34 PM


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QUOTE(Benny-T @ May 6 2012, 03:31 PM)
yearly 4600,1st year protection at 45k -+
since it's not for protection but purely savings,so i wouldnt insist on the protection
medic card,36 critical illness,all up to you and your needs la..
*
interesting plan then.. 4600 for 6 years only right? then auto grow..

how much returns per year? (guaranteed + variable additional bonus/dividend)
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Benny-T
post May 6 2012, 03:35 PM


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QUOTE(K.I.T.T @ May 6 2012, 03:33 PM)
so how long u with HLA? u get and use what they offer?
*
2 years already
recently only got sufficient income to save more

i'm only into their maturity,others not interested
but if im not wrong,if kena 26 crit illness,premium no need pay at all
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post May 6 2012, 03:37 PM


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QUOTE(ar188 @ May 6 2012, 03:34 PM)
interesting plan then.. 4600 for 6 years only right? then auto grow..

how much returns per year? (guaranteed + variable additional bonus/dividend)
*
4600 per year
rm1000 yearly return until year 20/30/40
long term insurance savings are only at 5-6%
if u hear anybody telling you that you'll get 25-30%,avoid them at all cost
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post May 6 2012, 03:37 PM


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QUOTE(empyreal @ May 6 2012, 03:33 PM)
returns from the fund tax-deductible or tax-defereed?

people often forget to include taxes.
*
how much the taxes?
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Benny-T
post May 6 2012, 03:38 PM


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QUOTE(K.I.T.T @ May 6 2012, 03:37 PM)
how much the taxes?
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6000 tax deductible
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post May 6 2012, 03:38 PM


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QUOTE(K.I.T.T @ May 6 2012, 03:37 PM)
how much the taxes?
*
how much are the returns and your income? you declare it in your tax forms.
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post May 6 2012, 03:39 PM


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QUOTE(Benny-T @ May 6 2012, 03:37 PM)
4600 per year
rm1000 yearly return until year 20/30/40
long term insurance savings are only at 5-6%
if u hear anybody telling you that you'll get 25-30%,avoid them at all cost
*
25-30% cheesin ar?!! laugh.gif

rm1k for 20year means year 20 only get 20k of your basic? biggrin.gif but you paid 4.6k for 6k years wor.. (excluding this 5-6% ) means 6 year they use your 20+k to roll..
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post May 6 2012, 03:40 PM


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QUOTE(Benny-T @ May 6 2012, 03:38 PM)
6000 tax deductible
*
this tax deductable mean for incometax or its deduct from "our" package? hmm.gif
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Benny-T
post May 6 2012, 03:43 PM


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QUOTE(ar188 @ May 6 2012, 03:39 PM)
25-30% cheesin ar?!!  laugh.gif

rm1k for 20year means year 20 only get 20k of your basic?  biggrin.gif  but you paid 4.6k for 6k years wor..  (excluding this 5-6% ) means 6 year they use your 20+k to roll..
*
thats why alot of people go complain to BNM when someone tells them that
it's impossible for savings plans to yield 30%p.a

1k for 20 year,20k for 20year
+5.5% dividend p.a

if u do withdrawal then thats the package la
if u do accumulation they give 5.5% p.a on your 1k yearly,compounding

QUOTE(K.I.T.T @ May 6 2012, 03:40 PM)
this tax deductable mean for incometax or its deduct from "our" package?  hmm.gif
*
income tax as insurance relief
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post May 6 2012, 03:45 PM


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QUOTE(empyreal @ May 6 2012, 03:38 PM)
how much are the returns and your income? you declare it in your tax forms.
*
what if i am not become tax payer at this momment.? cry.gif .

biasa la bro.kita niaga takde tongkat. brows.gif duit dalam poket pun ada sekupang 2 je.

This post has been edited by K.I.T.T: May 6 2012, 03:47 PM
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post May 6 2012, 03:47 PM


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QUOTE(Benny-T @ May 6 2012, 03:43 PM)
thats why alot of people go complain to BNM when someone tells them that
it's impossible for savings plans to yield 30%p.a

1k for 20 year,20k for 20year
+5.5% dividend p.a

if u do withdrawal then thats the package la
if u do accumulation they give 5.5% p.a on your 1k yearly,compounding
yeah compounding, but start from 1k (1st year) biggrin.gif if start from 5 or 10k at year1.. then lagi shiok hor.. brows.gif

anyway what's the 20/30/40 year? automatically it'll stop your compounding your plan after 20year? (if choose that 20year option)?
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post May 6 2012, 03:48 PM


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QUOTE(K.I.T.T @ May 6 2012, 03:45 PM)
what if i am not become tax payer at this momment.? cry.gif .

biasa la bro.kita niaga takde tongkat. brows.gif duit dalam poket pun ada sekupang 2 je.
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dats why go earn more, but maximize all those tax reliefs lor.. 9k personal, maybe 6k (EPF+INSC) + 3k medical cover..
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post May 6 2012, 03:49 PM


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QUOTE(K.I.T.T @ May 6 2012, 03:45 PM)
what if i am not become tax payer at this momment.? cry.gif .

biasa la bro.kita niaga takde tongkat. brows.gif
*
then when an auditor does a random check, you'll suddenly be due all the past years' taxes + 10% compounded for every year you didnt pay, iirc. not sure if its this, or that they triple the amount of taxes outstanding (confused between uk and malaysian taxes, too lazy to check)

can bankrupt you and your business, bro.
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Benny-T
post May 6 2012, 03:52 PM


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QUOTE(ar188 @ May 6 2012, 03:47 PM)
yeah compounding, but start from 1k (1st year)  biggrin.gif  if start from 5 or 10k at year1.. then lagi shiok hor.. brows.gif

anyway what's the 20/30/40 year? automatically it'll stop your compounding your plan after 20year? (if choose that 20year option)?
*
that one of course shiok lo...i also want like that but unfortunately i tarak

actually the plan can go up to 90years
but ask yourself can u live up to 90years?

but what i would advise is to take 20/30/40 considering we may not live that long,optimal la..
but compounding still goes on
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post May 6 2012, 03:55 PM


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QUOTE(Benny-T @ May 6 2012, 03:52 PM)
that one of course shiok lo...i also want like that but unfortunately i tarak

actually the plan can go up to 90years
but ask yourself can u live up to 90years?

but what i would advise is to take 20/30/40 considering we may not live that long,optimal la..
but compounding still goes on
*
shiok when the plan go in auto pilot mode hor.. biggrin.gif every year receive statement about money in.. but mine got 2 income, guaranteed payout + annual performance bonus.. can go double digit when added up (or high single digit percentage at slow years)..
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post May 6 2012, 03:57 PM


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QUOTE(empyreal @ May 6 2012, 03:49 PM)
then when an auditor does a random check, you'll suddenly be due all the past years' taxes + 10% compounded for every year you didnt pay, iirc. not sure if its this, or that they triple the amount of taxes outstanding (confused between uk and malaysian taxes, too lazy to check)

can bankrupt you and your business, bro.
*
thats what i plan now.at this momment i dont buy car or house or expensive thing.just use what ever i have now.later got cash and better place i close this company and then i open new company based on existing customer. tongue.gif

got one shop here.i check with SSM.the company name in SSM already terminated.Closed down.but in front of my eyes the shop still there.running macam biasa. laugh.gif .he use honda jazz kaler putih also. whistling.gif rclxub.gif hmm.gif
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post May 6 2012, 04:00 PM


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QUOTE(K.I.T.T @ May 6 2012, 03:57 PM)
thats what i plan now.at this momment i dont buy car or house or expensive thing.just use what ever i have now.later got cash and better place i close this company and  then i open new company based on existing customer. tongue.gif

got one shop here.i check with SSM.the company name in  SSM  already terminated.Closed down.but in front of my eyes the shop still there.running macam biasa. laugh.gif .he use honda jazz kaler putih also. whistling.gif  rclxub.gif  hmm.gif
*
if he gets into a legal issue (supplier doesnt honour the contract, buyer doesnt pay up, bank chasing) he'll get into a whole mess of trouble.
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post May 6 2012, 04:04 PM


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QUOTE(ar188 @ May 6 2012, 03:55 PM)
shiok when the plan go in auto pilot mode hor..  biggrin.gif  every year receive statement about money in.. but mine got 2 income, guaranteed payout + annual performance bonus.. can go double digit when added up (or high single digit percentage at slow years)..
*
huhu yep,that i put my money aside dont have to think much bout it since im not gonna use it
mmm i guess diff company diff name, isn't annual performance bonus = dividend?

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post May 6 2012, 04:08 PM


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QUOTE(empyreal @ May 6 2012, 04:00 PM)
if he gets into a legal issue (supplier doesnt honour the contract, buyer doesnt pay up, bank chasing) he'll get into a whole mess of trouble.
*
he just do repair phone only bukak kedai pun pukul 2 petang. rclxub.gif .resit dan bil pun guna cop RM 5.00 biggrin.gif tapi kelmarin Dota punya pasal dia pergi beli Core i5 sampai RM 2.5k. laugh.gif .

patut la aku tengok dia rilex semacam je brows.gif ..

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post May 6 2012, 04:10 PM


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QUOTE(Benny-T @ May 6 2012, 04:04 PM)
huhu yep,that i put my money aside dont have to think much bout it since im not gonna use it
mmm i guess diff company diff name, isn't annual performance bonus = dividend?
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yeah probably same meaning, but you mention only 5-6% right?
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post May 6 2012, 04:12 PM


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QUOTE(ar188 @ May 6 2012, 04:10 PM)
yeah probably same meaning, but you mention only 5-6% right?
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that standard rate right?
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post May 6 2012, 04:22 PM


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12% or more (of ur basic salary) employer benefits...is good

actually if ur salary is 2000, then 240 extra they will bank in to KWSP.

other country like singapore...even higher..

but philippines, does not...based on % as ur salary goes higher, but a fixed sum...monthly..
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post May 6 2012, 04:38 PM


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QUOTE(ar188 @ May 6 2012, 04:10 PM)
yeah probably same meaning, but you mention only 5-6% right?
*
dividend are based on performance
5-6% conservative calculations
it depends really
but im talking bout return in the whole thing

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post May 6 2012, 04:47 PM


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QUOTE(Benny-T @ May 6 2012, 04:38 PM)
dividend are based on performance
5-6% conservative calculations
it depends really
but im talking bout return in the whole thing
*
i think it's quite tricky to calculate return on investment, cos remember year 0 to year 6 probably you paying RM4.6k but seeing 1k back at year 1 + some 5-6% dividend.. so average wise Y0,Y1..to Y6 return would be quite low percentage wise.. if want to calculate opportunity cost.. say if these money was to be added to your EPF. probably after year 6, then can see it growing very fast due to no more money needed to pump in.. biggrin.gif anyway the key is to hold on for many decades as spare lor.


I wonder this surrender value can use as collateral for other bank loans or not? laugh.gif
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post May 6 2012, 04:50 PM


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QUOTE(ar188 @ May 6 2012, 04:47 PM)
i think it's quite tricky to calculate return on investment, cos remember year 0 to year 6 probably you paying RM4.6k but seeing 1k back at year 1 + some 5-6% dividend.. so average wise Y0,Y1..to Y6 return would be quite low percentage wise.. if want to calculate opportunity cost.. say if these money was to be added to your EPF. probably after year 6, then can see it growing very fast due to no more money needed to pump in..  biggrin.gif  anyway the key is to hold on for many decades as spare lor.
I wonder this surrender value can use as collateral for other bank loans or not?  laugh.gif
*
i thought u already have Double Cash reward? laugh.gif
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post May 6 2012, 04:52 PM


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QUOTE(ar188 @ May 6 2012, 04:47 PM)
I wonder this surrender value can use as collateral for other bank loans or not?  laugh.gif
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if u apply loan similiar like ASB loan i think yes. laugh.gif

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post May 6 2012, 04:55 PM


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QUOTE(K.I.T.T @ May 6 2012, 04:52 PM)
if u apply loan similiar like ASB loan i think yes. laugh.gif
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ASB can apply ar? laugh.gif
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post May 6 2012, 04:57 PM


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QUOTE(ar188 @ May 6 2012, 04:47 PM)
i think it's quite tricky to calculate return on investment, cos remember year 0 to year 6 probably you paying RM4.6k but seeing 1k back at year 1 + some 5-6% dividend.. so average wise Y0,Y1..to Y6 return would be quite low percentage wise.. if want to calculate opportunity cost.. say if these money was to be added to your EPF. probably after year 6, then can see it growing very fast due to no more money needed to pump in..  biggrin.gif  anyway the key is to hold on for many decades as spare lor.
I wonder this surrender value can use as collateral for other bank loans or not?  laugh.gif
*
the 1st 6 years are like what you said
if looking at surrender value it's low
most people get the wrong idea of getting rich thru these plan

well,it can be used as an collateral last year
but this year unfortunately you cant use them anymore.
just some info
if purchase these plan using company name.it can be taxed due to it's consider as assets once surrendered.

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post May 6 2012, 05:00 PM


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QUOTE(Benny-T @ May 6 2012, 04:57 PM)
the 1st 6 years are like what you said
if looking at surrender value it's low
most people get the wrong idea of getting rich thru these plan

well,it can be used as an collateral last year
but this year unfortunately you cant use them anymore.
just some info
if purchase these plan using company name.it can be taxed due to it's consider as assets once surrendered.
*
yeah i was reading some taxation casestudy for company.. even interest gain in FD also must kena tax.. sweat.gif
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post May 6 2012, 05:10 PM


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QUOTE(ar188 @ May 6 2012, 05:00 PM)
yeah i was reading some taxation casestudy  for company.. even interest gain in FD also must kena tax..  sweat.gif
*
but if you issue a cheque for director as expenses
then it wouldnt kena tax already
or,if the director put the nominee for his son or wife,it's considered as trust
tax-free
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post May 6 2012, 05:29 PM


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QUOTE(Benny-T @ May 6 2012, 04:57 PM)
if purchase these plan using company name.it can be taxed due to it's consider as assets once surrendered.
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eh insurance plan pun boleh put atas nama company ke? shocking.gif i thougt only personal?
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post May 6 2012, 05:32 PM


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QUOTE(ar188 @ May 6 2012, 04:55 PM)
ASB can apply ar?  laugh.gif
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yes..maybank have this. whistling.gif ..if i can use this both as advantage.. thumbup.gif

This post has been edited by K.I.T.T: May 6 2012, 05:33 PM
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post May 6 2012, 05:34 PM


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QUOTE(K.I.T.T @ May 6 2012, 05:32 PM)
yes..maybank have this. whistling.gif ..if i can use this both as advantage.. thumbup.gif
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QUOTE
  Eligibility
Individuals who are between the ages of 18 and 60 years old
    Bumiputera


sad.gif
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post May 6 2012, 05:36 PM


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QUOTE(ar188 @ May 6 2012, 05:34 PM)
sad.gif
*
ASB 8.8% bro.dijamin kerajaan. laugh.gif
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post May 6 2012, 05:36 PM


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QUOTE(K.I.T.T @ May 6 2012, 05:36 PM)
ASB 8.8% bro.dijamin kerajaan. laugh.gif
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can see only.. cannot apply.. sad.gif
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post May 6 2012, 05:38 PM


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QUOTE(K.I.T.T @ May 6 2012, 05:36 PM)
ASB 8.8% bro.dijamin kerajaan. laugh.gif
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can u imagine i take bumi workers and i give insurance+asb also? every month deduct from his account.

nasib baik tak boleh buat. tongue.gif
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post May 6 2012, 05:39 PM


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QUOTE(ar188 @ May 6 2012, 05:36 PM)
can see only.. cannot apply..  sad.gif
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i can see.i know what it is.but dont have money cant apply.

u dont interested with ASW? hmm.gif last time gov launch apa ntah yang boleh loan dengan bank sampai 5 tahun tu.
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post May 6 2012, 06:09 PM


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QUOTE(K.I.T.T @ May 6 2012, 05:29 PM)
eh insurance plan pun boleh put atas nama company ke? shocking.gif i thougt only personal?
*
keyman insurance
can buy wan
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post May 6 2012, 06:14 PM


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QUOTE(Benny-T @ May 6 2012, 06:09 PM)
keyman insurance
can buy wan
*
so insunrace premium double than usual?
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post May 6 2012, 07:08 PM


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QUOTE(mypetridish @ May 6 2012, 11:53 AM)
» Click to show Spoiler - click again to hide... «
Caruman KWSP is required to every employee, save for those who are directors of their own companies, or employees working for companies with less than 5 people.
» Click to show Spoiler - click again to hide... «
*
Ah KITT, ni dia jawapan yang kau nak dengar.

Secara umumnya kalau pekerja kau kurang daripada 5 orang, kau tak bayar KWSP diorang pun takpe....


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K.I.T.T
post May 6 2012, 07:25 PM


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QUOTE(Faidzal @ May 6 2012, 07:08 PM)
Ah KITT, ni dia jawapan yang kau nak dengar.

Secara umumnya kalau pekerja kau kurang daripada 5 orang, kau tak bayar KWSP diorang pun takpe....
*
Less than 5 workers that no need caruman.but if anything happend then how ah? macam arwah bob kuman meninggal baru baru ni. hmm.gif sendiri bayar bil ke?
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Faidzal
post May 6 2012, 08:09 PM


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QUOTE(K.I.T.T @ May 6 2012, 07:25 PM)
Less than 5 workers that no need caruman.but if anything happend then how ah? macam arwah bob kuman meninggal baru baru ni. hmm.gif sendiri bayar bil ke?
*
yes.

itu sebab masa azean irdawaty kena kanser, terus habis duit simpanan pasal kos rawatan +/- RM100k (itupun kerajaan dah subsidi sikit).

secara amnya artis atau pelakon kalau dia joli katak dengan duit dan tak pandai menyimpan/melabur, memang akan jadi macam keluarga arwah P. Ramlee dan Dato' Aziz Satta.

P. Ramlee duit banyak hasil royaltitapi keluarga tak tuntut/tak boleh tuntut (pasal buti tak cukup etc), rumah hampir kena rampas pasal tak bayar cukai pintu.

Dato' Aziz Satta patutnya boleh hidup senang dengan royalti berlakon, tapi sekarang dia dapat 'pencen ihsan' dan terpaksa duduk kat rumah sewa dbkl je pasal tak mampu beli rumah sendiri.

jadi contohi artis macam yusof haslam, adik beradik kru, linda onn etc. dapat duit berjuta tapi tak joli katak tak tentu pasal.

dan itu sebabnya ada KWSP dan socso, supaya golongan bawahan yang mungkin takde pendidikan tinggi dan tak terfikir untuk menyimpan sekurang-kurangnya ada duit sikit lepas dia dah pencen wajib (55 tahun).....
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Benny-T
post May 6 2012, 09:42 PM


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QUOTE(K.I.T.T @ May 6 2012, 06:14 PM)
so insunrace premium double than usual?
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where did you hear that?
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mypetridish
post May 6 2012, 11:09 PM


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QUOTE(K.I.T.T @ May 5 2012, 11:58 PM)
i want replace with This

because i see KWSP package and Socso package tak berapa menarik. laugh.gif
*
Insurance plans, however much they market it as an investment product, is more insurance than it is investment

my advice would be to buy yourself sufficient amount of insurance (basic sum assured RM200,000 for someone earning RM5000 a month), and the rest of your money go into pure invesment schemes like ones offered by unit trust companies, or commodities, or sharemarket, or properties... insurance products (like endowment) are not pure investment products
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Pain4UrsinZ
post May 6 2012, 11:15 PM


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can i ask my dad dont pay me KWSP and SocSo?
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sudustyle
post May 7 2012, 10:39 AM


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QUOTE(K.I.T.T @ May 6 2012, 11:43 AM)
if i am become employer one day.but i dont want do caruman with KWSP and Socso can or not?
i want change wiith another 3rd party things. can or not?

As I know KWSP-          SImpana hari tua/selepas pencen.
                                  Buat beli rumah.
                                  Thats all.

As I know Socso:        Accident happend Socso cover.

hmm.gif

user posted image
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la budak sekolah rupa nya
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nelienuxe_sara
post May 7 2012, 10:47 AM


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socso nak claim susah gile
aku eksiden aritu tak claim pun socso
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K.I.T.T
post May 7 2012, 01:52 PM


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QUOTE(Benny-T @ May 6 2012, 09:42 PM)
where did you hear that?
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insurance kereta pay double mah if under company right?
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K.I.T.T
post May 7 2012, 01:59 PM


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QUOTE(Pain4UrsinZ @ May 6 2012, 11:15 PM)
can i ask my dad dont pay me KWSP and SocSo?
*
nanti officier KWSP datang kacau.tu hari officier KWSP tu dah turun sini dah. wub.gif tapi dia cari company yang dulu.company yang dulu dah pindah tak inform KWSP.

Officier tu KWSP perempuan. brows.gif muka manis. sweat.gif
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K.I.T.T
post May 7 2012, 02:05 PM


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QUOTE(nelienuxe_sara @ May 7 2012, 10:47 AM)
socso nak claim susah gile
aku eksiden aritu tak claim pun socso
*
bukan kena TPD (lumpuh habis) baru boleh claim ke? sekarang ni pun kemalangan pergi dan balik ke tempat kerja agak tinggi dan membimbangkan.
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nelienuxe_sara
post May 7 2012, 02:59 PM


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QUOTE(K.I.T.T @ May 7 2012, 02:05 PM)
bukan kena TPD (lumpuh habis) baru boleh claim ke? sekarang ni pun kemalangan pergi dan balik ke tempat kerja agak tinggi dan membimbangkan.
*
kalau baca kat socso ko eksiden ape pun boleh claim bai
aku eksiden mase balik kerja
tulang bahu tercabut dari tempat asal
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Benny-T
post May 7 2012, 03:02 PM


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QUOTE(K.I.T.T @ May 7 2012, 01:52 PM)
insurance kereta pay double mah if under company right?
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car,i dunno since i dont do general insurance
i only involved in life insurance

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Benny-T
post May 7 2012, 03:03 PM


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QUOTE(mypetridish @ May 6 2012, 11:09 PM)
Insurance plans, however much they market it as an investment product, is more insurance than it is investment

my advice would be to buy yourself sufficient amount of insurance (basic sum assured RM200,000 for someone earning RM5000 a month), and the rest of your money go into pure invesment schemes like ones offered by unit trust companies, or commodities, or sharemarket, or properties... insurance products (like endowment) are not pure investment products
*
which agent told you it's an investment,unless they're proposing you an investment-link insurance
IMO investment easily yield more than savings plan but comes with a risk
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seather
post May 7 2012, 03:21 PM


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QUOTE(Break Prick @ May 6 2012, 01:27 PM)
ever heard of A Elite Saver from AIA ??

it's a 3 generation savings plan.. minimum annually u have to save is about RM3600 x 20 years

after that u can enjoy benefit until 88years liao ... every year also can get bonus cash..  thumbup.gif

read here for more info http://www.aia.com.my/en/individuals/produ...lite_saver.html

btw i pay lump sump of 400k for this plan  thumbup.gif , and every year i can take cash bonus of 14k x 88 years = RM 1,232,000.00  rclxm9.gif

and after that my great grandson can enjoy the total of 400k + interest + sum assured = more than 10-15 million
*
so after 60 years (assuming u r 28 now) u get back around RM10~RM15mil (ur 14k yearly return + surrender value) for an investment of 400k????

that is just like putting a 6% FD for 60 years.... most long term saving plans promise between 4.5~6.5%

nothing much to shout about.... don get blinded by the big final numbers... always look at the annual ROI....

This post has been edited by seather: May 7 2012, 03:27 PM
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K.I.T.T
post May 7 2012, 03:37 PM


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QUOTE(Benny-T @ May 7 2012, 03:02 PM)
car,i dunno since i dont do general insurance
i only involved in life insurance
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car insurance like that mah.insurance become double if under company name.if not mistaken Komissen pun tinggi sikit. sweat.gif
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K.I.T.T
post May 7 2012, 03:43 PM


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QUOTE(nelienuxe_sara @ May 7 2012, 02:59 PM)
tulang bahu tercabut dari tempat asal
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berapa ko habis?Insuran ada cover ke?
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Benny-T
post May 7 2012, 03:46 PM


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QUOTE(seather @ May 7 2012, 03:21 PM)
so after 60 years (assuming u r 28 now) u get back around RM10~RM15mil (ur 14k yearly return + surrender value) for an investment of 400k????

that is just like putting a 6% FD for 60 years....  most long term saving plans promise between 4.5~6.5%

nothing much to shout about.... don get blinded by the big final numbers... always look at the annual ROI....
*
4.5-6.5% at least im getting better than FD
it's true there's nothing to shout about when unit trust ,money bond ,warrants,tsr are yielding higher than that.
but at least i dont have to worry much bout the probability of loss
i could be wrong,correct me if i did.

QUOTE(K.I.T.T @ May 7 2012, 03:37 PM)
car insurance like that mah.insurance become double if under company name.if not mistaken Komissen pun tinggi sikit. sweat.gif
*
doesnt cost double,almost the same if not higher.
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nelienuxe_sara
post May 7 2012, 03:55 PM


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QUOTE(K.I.T.T @ May 7 2012, 03:43 PM)
berapa ko habis?Insuran ada cover ke?
*
FOC
hospital hukm lulz
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K.I.T.T
post May 7 2012, 04:05 PM


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QUOTE(nelienuxe_sara @ May 7 2012, 03:55 PM)
FOC
hospital hukm lulz
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ni mesti kerja kerajaan.
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nelienuxe_sara
post May 7 2012, 04:12 PM


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QUOTE(K.I.T.T @ May 7 2012, 04:05 PM)
ni mesti kerja kerajaan.
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tak bini aku hahaha
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K.I.T.T
post May 7 2012, 04:15 PM


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QUOTE(nelienuxe_sara @ May 7 2012, 04:12 PM)
tak bini aku hahaha
*
kalau ada insurance pun diorang cover yang bende2 penting je.macam tulang tu katalah kena guna tulang baru.import from US.diorang tak cover kot.

ni guna tulang ko balik kan? biggrin.gif mana boleh guna guna dululah.ada rezeki lebih baru tukar.
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roystevenung
post May 7 2012, 04:46 PM


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QUOTE(Benny-T @ May 6 2012, 03:37 PM)
4600 per year
rm1000 yearly return until year 20/30/40
long term insurance savings are only at 5-6%
if u hear anybody telling you that you'll get 25-30%,avoid them at all cost
*
Don't forget to minus off the insurance charge as this is INSURANCE, not mainly for savings like EPF. Suppose a 30 year old buys this plan and puts a payment term of 20 years. 5 years later developed CI, insurance company will pay the premium for the remainder of the term.

But you can't withdraw like your EPF (for CI) as this plan has not matured.

These are some of the items that you may need to consider....

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post May 7 2012, 05:05 PM


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QUOTE(roystevenung @ May 7 2012, 04:46 PM)
Don't forget to minus off the insurance charge as this is INSURANCE, not mainly for savings like EPF. Suppose a 30 year old buys this plan and puts a payment term of 20 years. 5 years later developed CI, insurance company will pay the premium for the remainder of the term.

But you can't withdraw like your EPF (for CI) as this plan has not matured.

These are some of the items that you may need to consider....
*
Undeniable,plans from assurance company have to be insurance in nature.
and yes again,withdrawing before maturity might not yield better return.
payment terms of 20years,thats just too long commitment even for me.
even though the end return figure are very high,but 20 years of commitment i might as well as putting it into any other investment options out there
what i opt for is extra cashes which i dont have to use,i can always put it in

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roystevenung
post May 7 2012, 05:24 PM


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QUOTE(nelienuxe_sara @ May 7 2012, 04:12 PM)
tak bini aku hahaha
*
Keje govmt "Implants" kamu kena tanggung sendiri. Oleh kerana itu, banyak Doctor2 kat hospital kerajaan pun ada medikal card sendiri. "Implants" seperti "pace maker" sgt mahal. Kos pace maker boleh mencecah kos sehingga RM 43K, dan itu tidak termasuk kos pembedahan.

Organ2 badan kat m'sia tak boleh dijual beli. Insuran pun tak akan cover untuk pembelian organ kerana ianya "against the law".

Oleh itu jikalau kamu menderma organ kamu, misalnya buah pinggang, kos rawatan itu, kamu kena tanggung. Tetapi insuran akan cover medikal itu jika kamu sebagai penerima buah pinggang itu.

Ini kes benar nak dikongsi. Kawan I keje kat semi gov kena accident betul2 depan Pantai Hospital Penang. Nampak parah juga, kaki patah dok bergoyang2. Tapi dia ada kad medikal, so dia terus je pi Pantai Hospital la, takkan nak pi sampai gov hospital kat town? Jauh tu, lagipun traffic jam masa itu.

Kos perubatan dia RM 15K+. Dia kata nasib baik dia ada kad medikal itu, kalau tidak mungkin terpaksa tempang SEUMUR HIDUP. Berbaloi ke nak jimat RM 5 sehari itu?

This post has been edited by roystevenung: May 7 2012, 05:31 PM
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nelienuxe_sara
post May 7 2012, 05:25 PM


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QUOTE(roystevenung @ May 7 2012, 05:24 PM)
Keje govmt "Implants" kamu kena tanggung sendiri. Oleh kerana itu, banyak Doctor2 kat hospital kerajaan pun ada medikal card sendiri. "Implants" seperti "pace maker" sgt mahal. Kos pace maker boleh mencecah kos sehingga RM 43K, dan itu tidak termasuk kos pembedahan.

Organ2 badan kat m'sia tak boleh dijual beli. Insuran pun tak akan cover untuk pembelian organ kerana ianya "against the law".

Oleh itu jikalau kamu menderma organ kamu, misalnya buah pinggang, kos rawatan itu, kamu kena tanggung. Tetapi insuran akan cover medikal itu jika kamu sebagai penerima buah pinggang itu.
*
i already have medical card
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roystevenung
post May 7 2012, 05:32 PM


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Bini you ada? Jika ada pastikan yg kad medikal itu ada cover implants, kerana sebagai staff gov, itulah yg gov tak cover.
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roystevenung
post May 7 2012, 05:40 PM


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QUOTE(mypetridish @ May 6 2012, 11:09 PM)
Insurance plans, however much they market it as an investment product, is more insurance than it is investment

my advice would be to buy yourself sufficient amount of insurance (basic sum assured RM200,000 for someone earning RM5000 a month), and the rest of your money go into pure invesment schemes like ones offered by unit trust companies, or commodities, or sharemarket, or properties... insurance products (like endowment) are not pure investment products
*
Lets not forget medical insurance, which is the cornerstone of almost every insurance product these days...

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mypetridish
post May 7 2012, 10:15 PM


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QUOTE(Benny-T @ May 7 2012, 03:03 AM)
which agent told you it's an investment,unless they're proposing you an investment-link insurance
IMO investment easily yield more than savings plan but comes with a risk
*
all insurance agents taht i know of will talk about endowment as if it is the best investment product ever

endowment, insurance with investment portion
unit trust, pure investment product, some comes with basic insurance package

if you look at the rate insurance agents get (63% of the first 2 years premium paid), how can you logically call it an investment?
investment has a risk, that is it has no protection. but savigns plan or endowment has a risk too that you may not be able to save enough for retirement. balance your finances wisely
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Pain4UrsinZ
post May 12 2012, 10:30 PM


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want to ask if a permanent part timer working 15 days a month 100/day total 1500... need to pay epf and socso also? mandatory?
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