Program Save 2.0: Daftar Sekarang & Terima Baucar Shopee RM200 Setiap Keluarga

 

Program Save 2.0 ialah sebuah program pemberian e-rebat RM200 kepada isi rumah yang membeli peralatan elektrik penyaman udara atau peti sejuk cekpa tenaga berlabl 4 atau 5 bintang oleh Suruhanjaya Tenaga (ST).

Program ini dilaksanakan oleh SEDAMalaysia di bawah Kementerian dengan kerjasama Suruhanjaya Tenaga dan kolaborasi dengan Shopee bagi meningkatkan kesedaran orang ramai agar membeli kelengkapan cekap tenaga yang dapat menjimatkan penggunaan tenaga elektrik.

Apakah kriteria kelayakan untuk kita daftar?

✔ Warganegara Malaysia

✔ Pengguna/pemilik akaun elektrik berdaftar (domestik) di syarikat utiliti elektrik seperti                             TNB, SSEB, SEB

✔ Menggunakan e-Rebat untuk pembelian penyaman udara ATAU peti sejuk berlabel 4                              ATAU 5 Bintang Cekap Tenaga pada tahun 2021, dan

✔ 1 akaun bil, 1 e-Rebat & first come first serve basis

Cara Daftar Program Save 2.0

1. Buka aplikasi Shopee di telefon bimbit anda atau sini

2. Klik Daftar Sekarang pada poster Program Save 2.0

3. Masukkan maklumat akaun bil elektrik dan maklumat lain yang diminta. Klik SUBMIT

4. Anda akan dimaklumkan dalam masa 14 hari bekerja untuk status permohonan anda

5. Baucar RM200 akan kredit ke dalam Shopee Wallet anda setelah permohonan anda telah diluluskan。 

Sekiranya anda mengalamii masalah, anda boleh menghubungi pegawai tersedia di SEDA seperti berikut:

🏷️ Pasukan Khas Program Save 2.0

    Bahagian Pembangunan dan Fasiliti Teknikal 

    SEDA Malaysia

📲 +603 8870 5800

Maybank2u New Pay HSBC / Public Bank / RHB / Other Bank Credit Card

How you pay your HSBC credit card even you don't have HSBC saving account within 5 minutes

For your information, Maybank2u has changed their payment interface into a new one. When I search article on how to pay my HSBC credit card via other Bank, there isn't any. 

Therefore, I created some step on using Maybank2u to transfer online to pay any bank's credit card.

1. Log In to your Maybank2u
2. Select PAY & TRANSFER

     3. Select TRANSFER

Transfer Page in Maybank2u (New Interface)

       4. Select "Other Accounts (Maybank and other banks)"

       5. Select the bank you would like to transfer. I use HSBC credit card, so, I choose HSBC Bank.

    

   6. After selecting the bank, it will pop out a table below. 

   7. Enter all the fields, remember to choose the "Transaction Type", select Credit Card. 

       (Account no.: your credit card no., Recipient name: Your name)

Finally, always double check all the information before you click "TRANSFER" & "CONFIRM".

After confirm, you are done with your credit card payment.

Thank you for reading.

Financial Intelligent (Basic-Part 2)

The second day I enter the seminar for financial management and private financial before management, I heard a lot of funny story from the speaker - Mr. Shamsudin Kadir. Well, he is quite knowledgeable in finance and good at communication.

Back to the topic, the rule of 72 is a simple formula applied for the time used for the money invested to be double. There is a lot more formula and app for calculating the time value money. This is just one of the simplest one.

Years to double = 72 / interest rates

For example, a stock dividend is 6% and you invested RM 10000, the time used for the money invested to be double is 12 years. After 12 years, you will have *RM 20000 (RM 10000 from your original cash and RM 10000 for the cash you will get from the dividend). * Provided you invest back your dividend* 

Of course, every investment comes with a risk. As long as you can bear the risk, then it will be ok for you. For example, invest in property will let you have capital gain. Rent it out can lessen your burden in expense and become your asset. ( Asset = money that pay you or put money in your wallet). Since property price in Malaysia will go up, so invest in property will let you grow your wealth but some precautions must be made. The property you buy must be the area near the public transport, has school, restaurant and shopping malls. If there is property no need to pay down payment, it will be better as you don't need to find money for that period of time. Also, don't spend money on kitchen and ceiling renovation as this will cost you. Everyone has different tastes of living styles. So, let the rental person do it for themselves.

Besides property, there is unit trust that earn you more than 100% within 3 years, like invest in small cap unit trust. However, only high risk taker can bear this risk. Just google to search for it, whether it is conventional or Islamic.

There is a don't in investing money in low interest rate like ASB (Amanah Saham Bumiputra) as this need a very long time to get back your money. If it is for lucky draw, then invest a minimum amount for you to qualify. For example, 2% return every year, for the RM10000 invested to be doubled, you need 36 years to get RM20000. If you are only 20 years old, you can get it during 56 years old. Even the rate of inflation will get higher than this, the value of your money will get lesser.

Another choice of investment which is considered safe for public but not for the future is the fixed deposit. Although the rate may different from bank to bank, but the normal rate is based on Bank Negara Malaysia. If it is more than the rate offered by Bank Negara Malaysia, then you should ask the details of it. Certain percentage may invested in Unit Trust or another investment tool. 

Also, for student or children, SSPN/SSPN-i can be applied this link. It may be a small percentage of return but in the long term, it may be good for the children when they grown up. 

If you want to gain more capital, you can open a business. In the business world, you must know your position, which include where should you get your starting money, your competitor, risk and the type of business you wanted to do. You can do it by four word- SWOT. S-Strength, Weakness, O-Opportunity and T-Threat. Once you know your position, you can start it. (It is easy to start business in Malaysia but it is simple as you think.)

The last things that the speaker talk is your 'estate'. Well, everyone will die someday, you have to handle this matter regardless you are a man or a woman. No 'pantang'. The estate I mean is your accumulated wealth during your life of working or doing business or investment. This is include money in your bank account, your house, your car, your company (if you are doing businees) and your investment. In Malaysia, if your accumulated wealth is more than RM 2,000,000 or 2 millions, you must write a will. If there is no will, once you die, your money will be "frozen", mean your closest relative cannot take your money out and freeze in the bank. If this happen, you have to hire a lawyer with two (2) guarantors, which have the same total value estate as yours. For example, your estate is RM 3 millions, each guarantor must have at least RM 1.5 million. Wow, so you must get a will to settle this problem. On the contrary, your insurance or takaful will not be frozen, so your wife or children can take it out after 15 days. 

If you want to write a will, there is a cost, which depend on the Will company. Rockwills, Trustee like AmanahRaya Trustees, Public Mutual or lawyer are your choice in Malaysia. The time to settle estate wealth also depend on whether you have will or not. Therefore, don't hesitate to ask people and get information from them. [If yourself is deem to be professional, then you can write your own will and get people (lawyer) you trust to verify.]

Don't put all your egg in one basket, you can diversified your investment to fit your portfolio.

#financial intelligent

#investment

#will

Your Financial Intelligent (Basic - part 1)

Today, I have attend a two-day seminar. It is about your personal financial management and your preparation before retirement. The speaker is quite humble, intelligent in financial (especially Islamic) and funny. 

He didn't show all the module at the beginning, but start chatting about pray to God for giving us the opportunity to attend this free seminar and hope to help us to improve our moral culture and financial management. Then, he also having joke with people who attend there. Of course, rule and regulation about the seminar also given. (Well, for you I think you should concentrate what I will writing next. )

First of all, the speaker let us list (dissect) all the expenses we spend each month. For example, your debt including PTPTN, home loan, personal loan etc, petrol, bills  for phone, internet, money giving to parent, food and other unavoidable expense like friend's birthday event. Wow... that a lot. But this is just for one month, what if I change spectacles, shoes, or tyres per year. Simple, just divide it by 12. Or, if you regularly buy a newspaper or magazine per month. This must count too. The purpose of this listing is to know where your money has gone.

Then, the speaker ask us to use our income to minus all the expense we spend each month [income include all the salary you got after deducting your KWSP, PERKESO and /or pension fund (if the company provided)]. In Kuala Lumpur, the expense for most people who are worker may exceed their income. But, if you are otherwise, you may use the money for investment. 

After that, you may wonder what the emergency fund for and how many do you need to prepare for it. Well, this is just a guideline. It depend on person. Well, the emergency fund is used for anything (eg. accident) that happened to you or your families and you need that money for payment to the hospital or related person. This is unpredictable. How much do I need then? 3 to 6 months of your salary. If your salary is RM2000, then you need to prepare RM6,000 (3 months) to RM12,000 (6 months).

You may ask why not use the insurance for the accident. Remember this, insurance is for protection and it cannot pay you first until you pay certain amount for deposit or if you have the medical card. Investment-linked also for protection. Also, if your family didn't buy any insurance, this emergency fund is to backup you.

Furthermore, the speaker also talk about quick rich scheme. The quick rich scheme is viralling all around the world. The people who believe it will get rich fast and lose money fast. Why said so? Let the following example explain to you. One day, Ms. Jess who stay in KL get involved in quick rich scheme. The people introduce to him said that the investment can get 10% back every month, risk-free and is located in Subang. She wanted to rich get rich fast but didn't have enough money, so she just buy a lot with RM50,000. After a month, she get the 10% return, but she still have a bit worry, so she go to Subang to look for the company. Well, it look very nice and she is satisfied with the company performance. Another day, Mr. Jeffrey also encounter this quick rich scheme. He is interested with it, so he buy two lot with RM100, 000. He get the 10% return as Ms. Jess. That's good, right. Another guy, named Zaki also encounter this quick rich scheme. Well, he is quite rich, so he buy four lot with RM200,000. The third month, Ms. Jess, Mr. Jeffrey and Zaki got the 10% return  as a usual. However, the company is too good to be true, so where the 10% return come from? The money come from the 90% of the payee. Nobody reliase it until someone report it and eventually they know this is a trap. However, they lose money after that. Be aware!

Where should I invest to earn more for spending? What is your objective to invest? You must know about it clearly. For retirement or to beat inflation. You can invest in ASB, Unit trust, Tabung Haji (for muslim), fixed deposit or other legal financial institutions.

In addition, there is only 6 types of organisation that can officially said the word "investment" and take money from us for investment in Malaysia. The banks being declared by Bank Negara Malaysia (BNM), the financial institutions declared by the BNM, its subsidiaries, insurance and takaful company, unit trust (government, state government or private), coperative, and IPO share (http://www.investopedia.com/terms/i/ipo.asp). You can check all organisations or unknown company via www.bnm.gov.my. 

That's for today. 

Thank you for reading. 

See you.

#financialintelligent

#emergencyfund

#quickrichscheme

#investment