Yes, get a medical card. I am not an agent.

I wonder if this tracker help?
I can't upload the Word document, Lowyat system disallowed, if you need it just PM me with the Subject title: MoneyTracker. Thank you.


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A story from AKPK

RM 1,000,000 credit card debt

En Bahar* and his wife, Pn Mizah led a very comfortable life. They were doing extremely well as sales associates for a well-known product. Their success was so impressive that they were one of the biggest suppliers for the product in the East Coast. Business was booming and Pn Mizah seized the opportunity to diversify her investments. She purchased a string of properties in various states in the East Coast in addition to her family's robust earnings and investments.

The newfound wealth brought on much vanity to the couple. They felt the need to purchase four cars, two of which were luxury automobiles, all in attempt to impress both their downlines and customers. Although the luxury cars were extremely expensive to maintain, both En Bahar and Pn Mizah were adamant to hold onto those cars. The couple used all their savings on luxury goods that they did not have anything left to fund their business. En Bahar and Pn Mizah then tried to secure business loans from several banks but failed miserably. No one wanted to provide any financing to the couple, not with their extravagant lifestyle and spendthrift ways.

Dejected, the couple turned to 12 different credit cards to finance their business. They were not ill-educated; they knew the effects of interest on credit cards but they simply did not have any other way to fund their business. The couple had no other choice. Pn Mizah could not let go of what they worked so hard for. The business is their only source of income; they could not give it up and tried hard to keep it alive with the help of high interest credit cards.

The couple realised that the profit margin on their business was shrinking due to the high payments on their credit cards. They were worried about losing customers as the lower revenue forced them to stock fewer products. They also could not deliver and fulfill their customers' needs and was losing out to competitors. The couple was desperate to save the business and secure their financial future and they were drowning in debt of over RM1,000,000. Asides from that, En Bahar and Pn Mizah were tired of spending all of their revenue on high credit card interest charges. Their frustration towards their huge debt prompted them to seek the help of AKPK.

AKPK advised the couple to sell some of their properties as it was negatively impacting the business. They were also asked to find buyers for both their luxury cars to eliminate excessive spending on both vehicles. Aside from that, they were strongly urged to find a business loan after eliminating huge expenses on property and car loans. The business loan would help lower the couple's dependency on credit cards, further eliminating their high interest payments and ultimately increasing profit for the business. AKPK also restructured all 12 credit cards and was able to lower their monthly payments by almost 50%. En Bahar and Pn Mizah were thankful for the sound financial advice from AKPK. They can now concentrate on increasing profit without worrying about the ill-effects of credit cards.