Hindari Belenggu ‘Hari Gaji

• By CompareHero.my
• April 17, 2019

Kebanyakkan rakyat Malaysia pernah mengalami situasi ini dimana mereka dibayar gaji pada hujung bulan dan mereka bercadang untuk membeli barangan kesukaan mereka. Akan tetapi, mereka tidak dapat berbuat demikian kerana gaji mereka hanya cukup untuk menampung sara hidup seperti membayar sewa rumah, bil telefon bulanan, dan sebagainya. Bagi segelintir rakyat Malaysia pula, mereka masih hidup kasi pagi makan pagi, kais petang makan petang. Kehidupan sebegini bermakna mereka bukan sahaja tidak boleh membeli barangan kesukaan, malah mereka mungkin tidak dapat menampung kos sara hidup dan juga menabung. Malangnya, sesetengah rakyat Malaysia juga terpaksa berhutang untuk membayar bil-bil bulanan.

Kehidupan kais pagi makan pagi, kais petang makan petang boleh menyebabkan kenaikan hutang, dan tekanan psikologi dan emosi. Secara ideal, majoriti rakyat Malaysia mahu mencapai kebebasan kewangan. Kebebasan kewangan adalah keadaan di mana seseorang telah mengumpul wang simpanan yang secukupnya dan wang boleh perolehi dengan mudah semasa kecemasan. Ia juga bermakna seseorang itu boleh memenuhi keperluan hidup mengikut gaya hidup yang dikehendaki dengan tenang. Jika anda mahu terlepas daripada belenggu kais pagi makan pagi, kais petang makan petang dan ingin mencapai kebebasan kewangan, ikutilah 5 petua yang disenaraikan di bawah ini!

Petua 1: Belajar Untuk Membajet

Jika anda merupakan seorang yang boros membelanjakan duit, maka petua pertama ini mungkin sukar untuk dipatuhi. Malah, kebanyakkan rakyat Malaysia masih bersikap ‘tidak apa’ berkenaan bajet. Bukan sahaja rakyat Malaysia harus memberi perhatian terhadap belanjawan negara, malah mereka juga perlu meneliti bajet kehidupan diri sendiri. Apabila anda membajet, anda harus menyenaraikan segala perbelanjaan bulanan. Dari pembayaran sewa rumah bulanan, bil telefon, pinjaman pelajaran ke bayaran insurans kereta tahunan, anda harus menyenaraikan semua perbelanjaan ini.

Ini adalah untuk memastikan bahawa anda bersedia untuk menyelesaikan bayaran bulanan tepat pada masanya. Bajet bulanan juga akan membantu anda untuk memahami cara perbelanjaan berhemah. Anda juga boleh mula membajet secara mudah dan efektif dengan menggunakan aplikasi percuma seperti Pocket Expense, Goodbudget, dan Wally.

Petua 2: Mengutamakan Pembayaran Anda

Perkara paling penting yang perlu anda lakukan selepas menerima gaji anda ialah membayar bil-bil bulanan anda seperti sewa rumah, bayaran balik pinjaman kereta, dan sebagainya. Kemudiannya, anda harus memperuntukkan sebahagian daripada gaji anda sebagai wang simpanan. Anda tidak harus menggunakan wang simpanan ini sewenang-wenangnya.

Ia hanya boleh digunakan semasa kecemasan atau untuk tujuan pelaburan jangka panjang seperti membayar bayaran pendahuluan rumah impian anda. Kebanyakkan pakar kewangan juga menasihati orang dewasa yang bekerja untuk menyimpan sekurang-kurangnya 20% daripada pendapatan bulanan mereka. Contohnya, jika gaji bulanan anda ialah RM3,000, anda digalakkan untuk menyimpan sekitar RM600 setiap bulan. Ini akan membantu anda untuk mengurusan kos sara hidup anda tanpa terjebak dalam lilitan hutang.

Petua 3: Kurangkan Perbelanjaan Anda

Petua pertama, iaitu belajar cara-cara membajet, bukan sahaja penting untuk menyedarkan anda tentang tabiat perbelanjaan boros anda, ia juga membantu untuk mengurangkan perbelanjaan boros sekaligus. Sebagai contoh, anda tidak perlu membelanjakan RM200 untuk keahlian gim bulanan anda semata-mata untuk menjaga kesihatan anda. Sebaliknya, anda boleh bersenam di sekitar taman perumahan anda.

Bukan itu sahaja, anda juga boleh memuat turun aplikasi untuk senaman dan bersenam di dalam rumah anda! Anda digalakkan untuk merujuk kepada bajet bulanan anda untuk mengurangkan perbelanjaan lain seperti tabiat membeli-belah dan makan di luar. Wang yang anda berjaya menyimpan kemudiannya boleh digunakan untuk melangsaikan hutang-hutang yang masih tinggal.

Petua 4: Mempelbagaikan Sumber Pendapatan Anda

Sejak kebelakangan ini, terdapat ramai rakyat Malaysia yang melakukan lebih daripada satu kerja bagi menampung kos sara hidup. Amalan ini sepatutnya dipuji dan digalakkan kerana melakukan lebih daripada satu kerja akan meningkatkan pendapatan bulanan anda. Ini akan secara langsung boleh mengurangkan kemungkinan anda untuk kais pagi makan pagi, kais petang makan petang.

Oleh it, anda disarankan untuk menggunakan kemahiran atau bakat seperti fotografi, mengajar, menyunting teks, dan rekabentu lanskap sebagai punca pendapatan. Terdapat banyak laman web yang membolehkan anda untuk bekerja secara sambilan seperti Upwork, Favser, dan Matdespatch. Bukan itu sahaja, banyak warga Malaysia yang bekerja sebagai pemandu Grab kerana ia mampu memberikan pendapatan yang lumayan.

Petua 5: Tukar Mentaliti Anda Mengenai Wang

Petua terakhir untuk memperbaiki situasi kewangan anda dan mencapai kebebasan kewangan ialah menukar mentaliti anda mengenai wang. Salah satu panduan penting yang harus dipatuhi ialah memastikan bahawa pembelanjaan bulanan anda kurang daripada pendapatan bulanan secara konsisten. Ini akan memastikan bahawa anda mempunyai wang yang secukupnya untuk membayar bil-bil dan juga menyimpan untuk masa depan.

Di samping itu, anda juga digalakkan untuk bergaul dengan kenalan dan rakan-rakan yang mempunyai mentaliti yang sama terhadap wang. Jika anda sering bergaul and meluangkan masa dengan kenalan yang boros berbelanja, maka anda mungkin akan mengikuti sikap mereka. Selain itu, anda disarankan untuk menyimpan wang dan menggunakannya untuk pelaburan jangka panjang seperti membeli rumah.

Jika anda masih memerlukan wang tambahan, anda harus mempertimbangkan cara-cara yang sah disisi undang-undang seperti memohon pinjaman peribadi dari bank. Terdapat pelbagai bank yang menawarkan pinjaman peribadi pada kadar faedah yang sangat rendah. Malah, pinjaman ini juga boleh diluluskan dalam masa yang singkat. Contoh pinjaman peribadi berkadar faedah rendah dari 5.88% setahun ialah Citibank Personal Loan. Anda boleh memohon pinjaman ini dalam talian dan mendapatkan kelulusan segera.

Bukan itu sahaja, satu lagi contoh pinjaman peribadi berkadar faedah rendah dan rata (6%) ialah Hong Leong Personal Loan. Pembayaran balik bagi pinjaman peribadi ini sangat fleksible dan berpatutan. Sesungguhnya, anda harus membandingkan pelbagai jenis tawaran pinjaman peribadi dengan teliti sebelum memilih pelan yang sesuai untuk anda.

Proses untuk melepaskan diri daripada belenggu kais pagi makan pagi, kais petang makan petang, dan memperbaiki situasi kewangan adalah sukar pada permulaannya. Tetapi hasilnya sangat lumayan. Ikutilah petua-petua di atas untuk mencapai kebebasan kewangan anda.
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5 Best Travel Insurance Policies For Malaysians

• By CompareHero.my
• April 16, 2019

Now that everyone can easily fly, traveling the world becomes immensely popular. Frequent traveling means the chances of accidents and illness happening when we are overseas is higher too. Thankfully, we have an array of travel insurance options with comprehensive benefits at the lowest costs available today. But where do we start? What does a good travel insurance policy look like and how much does it cost? Which company should I choose? If you asked these questions, we’ve got the answers for you.

We at CompareHero have done the work for you and compiled a list of 5 best travel insurance companies of 2019. Although these are some of the best insurance companies, the plan you choose will ultimately depend on what your exact needs are. With that, let’s get started.

AIG

AIG’s travel insurance is custom-made for everyone. As such, there are 4 main plans to choose from: Deluxe, Standard, Basic, and Domestic. All four plans contain medical benefits, personal accident benefits, and 24/7 Worldwide Travel Assistance.

The Deluxe is the most complete travel insurance with up to RM1,000, 0000 in coverage for medical benefits and RM 300,000 for personal accident benefits. You also get RM25,000 in coverage for travel cancellation and RM2,100 for travel delay. The price? The Deluxe plan starts at RM80 per person.

Here’s a quick summary of what the 4 AIG travel insurance plans offer:

One plus point of AIG travel insurance is the ability to customise your plan for your duration up to a full year. You can do this when choosing the insurance plan online.

AXA SmartTravel

If there’s one company that is synonymous with travel insurance, it’s AXA. Introducing the AXA SmartTravel insurance plan – the comprehensive travel protect for you. General benefits of AXA SmartTravel plan include the following:

• Travel Delay (6 hours or more)
• Emergency Medical Expenses (up to RM300,000)
• Baggage Damage or Delay (up to RM800)
• Trip Cancellation (up to RM20,000)
• Unlimited Emergency Medical Transportation
• Rental Car Excess Cover (up to RM1,000)

As compared to AIG, the AXA SmartTravel insurance is a whole lot cheaper. For example, a SmartTraveller VIP plan that compares to AIG’s Standard plan is just RM39 whereas the AIG planis at RM45. That’s a big difference even with more benefits.

Besides being the cheaper option, AXA’s online personnel are ready to receive your inquiries and questions. Simply use the chat function on the website when selecting a plan and viewing your quote. You can also get your questions answered on the FAQ page and product disclosure sheet.

Chubb

A new player in the market of travel insurance, Chubb travel insurance specialises in creating a simple solution to your travel coverage. Since 2019, Chubb insurance provides 3 types of travel plans for you to choose from: Chubb First, Chubb Executive, and Chubb Premium. Although a little higher in price than some of the bigger players out there, it is relatively reasonable as you can add on benefits like the following:

• Follow-up Medical Expenses (after your trip)
• Alternative Treatment
• Child Guard (coverage for your child dependent)
• Claim for Golf Hole-In-One (Rm1,000)
• Home Inconvenience Allowance
• Pet Care

You might want to consider these add-ons to your travel insurance package depending on your travel plans.

Etiqa Travel 360

What if I don’t claim anything? What do I get back? The famous Maybank travel insurance of Etiqa has answered that question. Etiqa boasts a long line of travel insurance packages, but you already have an idea what to look out for. Its specialty lies in the Trip 360 and Trip 360 Takaful plans. Both similar in terms of coverage amount (with the exception of Takaful), you get a thorough insurance protection when on the move.

The Travel 360 and Travel 360 Takaful cover the most essential unforeseen circumstances such as baggage delay, medical expenses, loss of valuables, loss of travel documents, and death & permanent disability. However, it also gives you real-time compensation.

Etiqa Travel 360 offers RM100 for a 2-hour flight delay even without you submitting a claim. What’s better, Travel 360 is a cashless plan for medical care when travelling. You can also add on adventurous activities to the list of coverage. As the topping on the cake, Etiqa offers an additional 25% rebate when you apply online. This is one of the plans you want to have. 

Allianz Travel Care

You know you can count on a company that specialises in personal accident insurance to cover your travel protection. Allianz’s travel insurance brings a simple yet holistic plan for you to choose. Its direct approach is easy to understand in the Allianz Travel Care plan. A basic plan covers the following:

• Accidental Death & Permanent Disablement Due to Accident
• Medical Expenses
• Emergency Medical Evacuation and Repatriation
• Reimbursement of Deposit or Trip Cancellation
• Loss or Damage to Personal Luggage or Personal Effects
• Loss or Damage to Travel Documents
• Luggage & Travel Delays

You can also add sports insurance to cover dangerous activities.

Applying for Allianz Travel Care is one of the easiest applications, as you can fill it out online. Great for those who have no idea how to apply for travel insurance. Simply get your travel details and input them into the Allianz Travel Care website and you’ll get a sample quote. You can then opt to get a full quote (with additional coverage) or proceed to purchase

Ultimately, there is no one-best-plan for travel insurance. It all depends on what coverage you want and how much premium you are willing to pay. Duration of your trip also is important – if you constantly travel, it’s best to go for the annual plans. Whatever your choice, you can’t go wrong with any of these 5 travel insurance plans above.
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Promosi Ticket Wayang GSC, TGV dan MBO Di Malaysia

• By CompareHero.my

Promosi Wayang GSC TGV dan MBO [Dikemaskini]

Dikemaskini pada 01 April

Setiap orang gemar untuk bersantai dengan menonton filem aksi, filem komedi atau filem romantik terkini yang ditayangkan pada tengah malam ataupun pada hujung minggu. Harga tiket wayang semakin meningkat mahal. Disebabkan itu kami telah menyusun senarai promosi terkini panggung wayang tempatan untuk membantu anda menyimpan. Beberapa kad kredit bersesuaian untuk penonton filem yang kesibukan.

Kami akan mengemaskini page ini lebih kerap dengan promosi panggung wayang  terkini. Jangan risau untuk membuat penanda buku page ini dan kongsikan bersama rakan-rakan anda yang lain. Sebahagian daripada promosi yang berlangsung hanya bermanfaat untuk pemegang kad kredit atau kad debit tertentu sahaja.  Anda perlu untuk memohon kad kredit terbaik bagi menikmati segala urus niaga ini namun jangan bimbang, kami akan kongsikan bersama anda mana satukah kad yang bersesuaian.

Diingatkan untuk skrol ke bawah dan menyemak kad kredit terbaik untuk menikmati lebih banyak diskaun ketika menonton wayang.

Klik di sini untuk kad kredit terbaik untuk tiket wayang di Malaysia.

Manfaat lain

Keutamaan di lorong tiket

Diskaun 10% pada makanan dan minuman ringan

(pembelian melalui kaunter konsesi)

5% diskaun untuk makan malam di outlet GSC dan F&B

Selanjutnya, semasa pengesahan pemilik kad kredit GSC-HONG LEONG perlu dengan bersesuaian dengan tawaran berikut:

1x PERCUMA tiket wayang

1x Combo Popcorn Kecil

1x 50% potongan Voucher di F&B

5x Pembelian Percuma 1 Tiket Wayang Tayangan Antarabangsa

10% diskaun untuk pembelian makanan dan minuman ringan di semua panggung wayang GSC, saha semasa 3 bulan pertama.

Ciri Istimewa:

Bonus Value Privilege New GSC-Hong Leong Platinum dan pemegang kad GOLD akan diberikan ganjaran dengan RM100 dan RM60 Nilai Bonus masing-masing.

Jumlah ini boleh digunakan untuk menyelesaikan 50% kos tiket wayang dan bakinya selepas transaksi boleh dibawa kehadapan.

Semua yang disebut di atas bermanfaat untuk pelanggan GSC, kad ini juga mempunyai manfaat yang sama seperti kad kredit Hong Leong lain termasuklah:

Percuma Insurans Perlancongan dan Perlindungan Gangguan Perlancongan

Klik di sini untuk memohon.

Untuk Panggung Wayang TGV

Maybank Mastercard, Visa dan AMEX kad kredit atau Kad Debit

Dengan Maybank Mastercard, Visa atau Kad Amex, anda akan dapat untuk menikmati urus niaga berikut yang lebih ekslusif di panggung wayang TGV:

RM10 untuk Standard Halls Tiket

RM20 untuk IMAX 2D Tiket

RM24 untuk IMAX 3D Tiket (dengan 3D glasses)

Promosi sah untuk semua wayang sebelum 6.00pm, isnin hingga ahad untuk standard dan Prefferd seat sahaja. Promosi ini tidak digunakan untuk harga awal TGV, atas talian, aplikasi telefon, pembelian di kiosk, mana-mana fasiliti wayang 3D, Twin Premium, Benie, LUXE, INDULGE dan mana-mana promosi yang sedang berlangsung. Pendahuluan pembelian tidak dibenarkan. Contohnya, pembelian tiket pada isnin untuk wayang pada hari jumaat.

Klik di sini untuk memohon.

Untuk panggung wayang seluruh Negara

Kad Citi Clear Visa

Anda boleh nikmati wayang hari jumaat bersama-sama dengan harga 1 tiket, mohon untuk kedua-dua GSC dan TGV.

Manfaat lain

Beli 1 percuma 1 di semua outlet Coffee Bean semasa minggu bekerja.

Peroleh 3x ganjaran Citi Point di semua  destinasi tempat peranginan popular, termasuk ZOUK Club KL, Borders dan Sakae Sushi dan yang lain.

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Apply, Spend and Win a Hisense 43″ Smart TV (Worth RM1499)

• By CompareHero.my

[16 – 18 APRIL 2019] APPLY.SPEND.WIN

Apply for a HSBC credit card through us, during the Apply.Spend.Win sign-up period, and spend a minimum of RM1,000 after you activate your new card. The fastest 80 new cardholders to meet the minimum spend will receive a Hisense 43″ Smart Led TV (worth RM1,499) for FREE!

Read April 2019 HSBC Credit Cards Apply.Spend.Win Promotion Terms & Conditions here.

Money Lessons You Can Learn From Game Of Thrones

• By CompareHero.my
• April 15, 2019

On the surface, Game of Thrones appears to be nothing more than a violence-packed medieval fantasy. But one slash from a Valyrian steel sword soon reveals that the series carries some heavy financial lessons. Yes, between all the scheming and slaughter, financial planning and money management lessons from the houses and characters is something that can easily be applied to real life.

Whether you love it or never watched it, seven seasons of this popular HBO series contains a wealth (yup, pun intended) of social and economic lessons that we’ve listed down for you. Warning: There will be spoilers. And blood. And dragons.

Beware the folly of kings.

From Season 1, remember House Baratheon? King Robert took the throne of the Seven Kingdoms of Westeros after a successful rebellion and proceeded to neglect his duties as a king. Alienating his closest advisors up until the point of his untimely death. Everything he fought so hard was undone due to his carelessness in ruling his kingdom and left us with The War of Five Kings.

His son and heir to the throne, Joffrey ultimately fared no better and proceeded to make himself the most despised King in Westeros (to which audiences around the world loved to hate him too) as a tyrant who then ended up on the wrong end of a poisoned wine goblet.

Build a legacy that lasts, “Winter is coming”.

Look at Tywin Lannister, despite his extremely dysfunctional family and ungrateful children; he was always obsessed about creating a legacy that would last. In his eyes, every decision he made was always for the greater good of house Lannister. Unlike Robert Baratheon, whose goals were too short-sighted and eventually turned into dust, Tywin was always planning one step ahead to ensure his family’s interests were well protected. Well, right up until he took a crossbow to the stomach courtesy of his son Tyrion, of course.

And of before you know it, “Winter is Here” (thanks Whitewalkers), so it does help to always think ahead and be prepared. Now this is important advice for most people, especially when you consider that surveys have found that as many as half of Malaysians aren’t saving for retirement at all, and that most who are saving aren’t putting enough aside.

See also: Imagine Being Able to Retire Rich, Instead of Broke and Poor

Always pay your debts.

Too much debt is a killer. And as the saying goes, “A Lannister always pays his debts.” where we’ve seen Tyrion and Jaime live up to this saying several times in the Game of Thrones series by paying off anyone they owe coins or favours to. We’re also pretty sure that the saying also means that any attempts at backstabbing or murderous plots against the Lannisters will be harshly dealt with in kind.

This track record of paying debt is the Lannisters powerful asset in your their wealth-building endeavors (hence the popular saying, “Rich as a Lannister.”)

See also: Know The Difference Between Good Debt and Bad Debt

Changing allegiances can pay off.

After years of abuse from his family, Tyrion Lannister decides it’s time to switch sides. He allies with Daenerys, who wants to take back the throne from the Lannisters. Basically,just because you’ve always done things a certain way doesn’t mean it’s the best way.

This final season of Game of Thrones also kicks off with allegiances that continue to change as new kings and queens gain power, opposing sides do battle, and characters meet one another across the show’s vast geographical map. Researchers did investigate who died in the past 7 seasons and they tracked the causes of death and details about the characters, to determine the best strategies for staying alive. It turns out that the best thing you can do is to switch allegiances regularly – staying loyal will only get you killed.

Leverage someone else’s money and time

Cersei Lannister took advantage of both sides of leverage in a single maneuver when she arranged a loan from the Iron Bank, to hire 20,000 mercenaries, defeating her enemies and consolidating her power.

One of the best lessons about finance is that you can put other people’s money and time to work toward your goals and wealth. Leveraging other people’s money involves either borrowing money (example the bank, not Ah Longs) or raising money through partnerships. Leveraging other people’s time involves paying them to help you meet your goals. Being a favorite of the Iron Bank of Braavos is one path to wealth. Another path: real estate.

Real estate investors tend to understand this lesson implicitly. When you borrow for a property mortgage, you leverage other people’s money to buy an asset that grows your income and net worth. Even after deducting property costs, you could still earn a cash flow every month. When you hire a property manager (for more properties), you leverage their time so that you don’t have to sacrifice your own.

Don’t let setbacks stop you.

Life hasn’t been easy for Daenerys Stormborn Targaryen (Mother of Dragons, Khaleesi, the Unburnt, Breaker of Chains — rattling off titles for the fair-haired Dothraki queen). She had it rough, what with her psychotic older brother and family’s history of having a tendency to go insane. Not only did she get married off as a political move, her warlord husband Khal Drogo soon ended up dead, due to a plot by someone Daenerys had initially trusted. But Daenerys persevered, sought solid advice and made strategic alliances of her own which put her at the head of an army with not one, but THREE dragons. Despite a the setbacks throughout the seasons, she never allowed her circumstances to defeat her.

If you’re faced with financial setbacks, like bad credit or your savings account looks like it’s been pillaged by a Dothraki horde, you can bounce back! All you need is a good solid plan, some hard work and a little patience.

Make sure you have a disability “rider”

Modern-day insurance products don’t exist in Game of Thrones, which is unfortunate for Bran Stark when he narrowly survives a fall from a tower and into a coma. He eventually regains consciousness and he’ll never be able to walk again. From that point on, Bran is dependent on a caregiver, one who is strong enough to carry Bran on his back. Now, where would Brand Stark be without Hodor? And even after Hodor died (cue ugly crying) protecting Bran, there were others to help Bran move.

Finally, the least obvious money lesson is that knowledge is power.

We see over and over throughout the seasons that mind bests muscle. Petyr Baelish uses cunning and knowledge to manipulate and better himself, the Maesters are continually looked to for guidance, and Tyrion is always able to come out on top despite his physical limitations. Knowledge is power in any situation, but even more so in the world of finance.

We can’t stress how important it is to always be on the lookout and be prepared for financial winter, pay your debts and choose them wisely, have an estate plan, and build a nest (dragon) egg. But most of all, arm yourself with the financial knowledge to successfully navigate money throughout your life. If you don’t, you will know nothing!