Perihal Pinjaman Perumahan

Hampir semua pembeli rumah pun pakai pinjaman perumahan. Hatta orang yang ada duit sekali pun ambil pinjaman perumahan jugak mainly sebab kadar faedahnya sangat rendah berbanding pinjaman-pinjaman jenis lain. Selain memilih bank yang mampu memberi kadar faedah yang menarik, antara perkara yang bermain di benak pemikiran para pembeli rumah juga ialah, nak pinjam untuk berapa tahun?
Pendapat yang bisa kita dengar ialah, kalau rumah tersebut digunakan sebagai pelaburan, lagi panjang lagi bagus. Sebabnya, jumlah keuntungan daripada sewa bulanan dapat dimaksimakan hasil bayaran semula kepada bank yang lebih rendah.
Namun, kalau beli rumah untuk duduk sendiri, tempoh yang lebih pendek lebih baik supaya kita boleh langsaikan koleksi hutang peribadi secepat mungkin. Juga, tak perlu bayar jumlah faedah yang lebih tinggi dengan tempoh yang pendek tadi.
I’ll be the first yang cakap konsep di atas SALAH!!! (as usual, suka membangkang…)
Katakan saya sedang dalam proses membeli sebuah kondo di tengah-tengah Bandaraya Kuala Lumpur yang berharga RM1,000,000. Selepas buat 10% downpayment, saya pun mula la memohon pinjaman perumahan sebanyak RM900,000. Dengan kadar faedah/profit ratio (pembiayaan shariah) 4.05% (BLR-2.25%), jumlah bayaran bulanan yang perlu saya bayar adalah:

1. 20 tahun: RM5,477.56 sebulan
2. 25 tahun: RM4,775.41 sebulan
3. 30 tahun: RM4,322.72 sebulan
4. 40 tahun: RM3,789.48 sebulan

Memang kalau tanya orang bank, cadangan yang biasanya anda dapat ialah ambil pakej 20 tahun kalau hartanah tersebut untuk duduk sendiri dan ambil pakej 40 tahun kalau untuk pelaburan. Sekarang, mari kita lihat pula kalau ambil pakej 40 tahun tapi setiap bulan bayar seperti 20, 25 dan 30 tahun:

ScreenShot: iPhone Aps “Loan – What If”. Boleh Download kat iTunes for USD1
Jadi, katakan saya mohon pinjaman untuk 40 tahun tapi bayar sama seperti pinjaman untuk 30 tahun (RM3,789.48 + RM532.24 = M4,322.72 sebulan), saya boleh percepatkan bayaran untuk 10 tahun! Dalam kata lain, hutang pinjaman perumahan tadi boleh selesai dalam masa 30 tahun juga. Lebih kurang sama jika anda bayar lebih seperti pakej 25 & 20 tahun; cuma kurang by kurang 1 bulan.
Bagaimana ini boleh terjadi?
Senang aje. Sebab lebihan bayaran tadi dapat mengurangkan jumlah pinjaman pokok aka principle amount. Oleh kerana pinjaman perumahan ni on “daily rest”, setiap lebihan bayaran bila-bila masa akan mengurangkan jumlah faedah yang perlu dibayar, justeru mengurangkan tempoh bayaran semula.
Apa kelebihan strategi pinjaman perumahan sebegini?

1. Anda tak perlu commit nak bayar RM4,322.72 sebulan walaupun sebenornya mampu atau memang nak bayar banyak tu pun. Justeru, di saat-saat memerlukan duit (e.g. lahirkan anak, kereta repair etc) RM532 tu tadi boleh membantu meringankan beban tanpa perlu mengabaikan kontrak pinjaman perumahan atau lebih teruk, rekod tak bagus masuk dalam CCRIS.
2. Walaupun kita memang beli rumah tu untuk duduk sendiri, tak mustahil suatu hari nanti bila ada rezeki lebih kita upgrade ke rumah yang lebih sesuai. Dan pada masa itu, anda boleh menyewakan rumah yang asal dengan keuntungan sewa yang memberangsangkan sebab ambil tempoh pinjaman yang panjang.
3. Dengan tempoh pinjaman yang lebih panjang, bayaran bulanan juga lebih rendah. Pada pandangan mata bank, komitmen bulanan anda dilihat sebagai lebih rendah. Justeru, ini membolehkan anda terus membeli hartanah lain untuk tujuan yang lain (e.g. pelaburan, rumah untuk ibu/bapa or adik-beradik).

credit to versi asal : http://mysuperkids.net/pinjaman-perumahan-tempoh-paling-bagus-berapa-tahun/

Read more »

Mari Berjimat Dengan Digi-Citibank AutoBilling

Paying bill has never been so easy. Just sign up auto billing with your Citibank credit card for your DiGi phone bill, you will get rebate up to RM70! Promotion valid until 31 May 2011.

Rebate is given by DiGi, subject to DiGi's terms and conditions. Please refer to DiGi at 016-2211800 or www.digi.com.my for further information on this promotion.

Read more »

RHB Debit Card that comes with Overdraft Facility

RHB ada produk overdraft baru yang didatangkan untuk pelanggan debit card RHB.
Kelebihannya caj cash pengeluaran duit overdraft (seakan kad kredit) menggunakan kad debit yang MURAH (RM1 untuk setiap pengeluaran!! 


Sangat sesuai untuk individu yang menggunakan teknik OD+CC.
Interestnya pula seakan kad kredit - 15% p/a.


Sangat bahaya digunakan tanpa kawalan, tapi berguna untuk orang yang memanipulasi OD+CC.

Frequently Asked
Questions

• What is the RHB Debit Card
  that comes with Overdraft Facility?It is a clean overdraft facility that comes with
  a debit card. No collateral is required
• Who is eligible for RHB Debit Card that comes with Overdraft Facility?Anyone who is 21 years old and above with minimum income of RM36,000 per annum is eligible.
• What debit card can I tag to the account? The account can be tagged to either CashConnect MasterCard or Visa Debit Card. Both debit cards offer 0.5% cash back on retail spend (except e-debit). It can be used to withdraw cash via any ATM worldwide and can be used to make purchases at retail outlets, restaurants, and petrol stations and at any Master or Visa accepted merchants.
  When debit card is used, funds are automatically deducted from customer’s Current   Account  linked to the card.
• How do I get a RHB Debit Card that comes with Overdraft Facility?
  • Visit a RHB Bank branch nearest to you.
  • Fill up RHB Debit Card that comes with OD application form for application of Debit Card and overdraft
  • Fill up a Account Opening Form (IMP008A) when you open the Current Account.
• If I choose to change my current account linked to Cash Connect MasterCard or Visa Debit Card, what should I do? You are NOT allowed to change the Current Account for RHB Debit Card that comes with Overdraft Facility
• Where can I use my Debit Card that comes with the Overdraft Facility? You can use your Cash Connect Debit Card at any Merchant, which accepts Master Visa at over 29 million locations worldwide. You can also use your Cash Connect Debit Cards at any merchant with the MEPS logo accepted at over 26,000 locations locally, via your ATM PIN.
  For ATM transaction, you can use it at any ATM machine that displays the MEPS or Plus logo overseas.
  
• What are the benefits of having RHB Debit Card that comes with Overdraft Facility?
  • Convenience to pay for goods or services worldwide at 29 million merchant outlets that carry the Master or Visa logo within the selected daily spending limit of the cardholder.
  • Cash withdrawal transactions from ATMs subject to availability of funds in the designated Current Account and customers daily withdrawal limit.
  • The Cash Connect Debit cardholder will enjoy 0.5% cash back on any retail (except e-debit purchases) and the cash back will be credited into the designated Current account on monthly basis.
• What is my spending Limit on the Cash Connect Debit Card? For security control, cardholders are provided with an option to choose a daily spending limit for their retail purchases under the Master / Visa platform which is signature-based as follows:
  • RM1,000
  • RM3,000 (default)
  • RM5,000
  • Up to the available balance in the account (inclusive of OD)
  For withdrawal at ATM (defaulted ATM limit is RM3,000 for Debit Card) , the daily maximum limit is RM5,000 and customer may change his/her spending and ATM limit at the branch
  
• What are the charges imposed by the Bank for RHB Debit Card that comes with Overdraft Facility The charges are:
  1. Interest charge on OD: 15% per annum
  2. Over OD limit interest : 24% per annum
  3. Issuance fee of debit card : Waived
  4. Annual fee of debit card:
     RM20 for CashConnect Master
     RM20 for CashConnect Visa
  5. Card Replacement Fee: RM15
  6. Cash Withdrawal at MEPS ATMs: RM1.00 (per withdrawal)
  7. Cash Withdrawal at all other ATMs via Master/Visa network: RM8.00 (per withdrawal)
  8. Stamp duty on OD facility: As per Stamp Duty Act 1949
  9. Stamp duty of cheque book: RM0.15 per leave
• When can I start using my Overdraft Facility?A letter will be sent to you upon approval of your overdraft. You can utilize the overdraft upon receipt of the letter.  You can start using the overdraft via your Cash Connect Debit Card and / or cheque.
• Is there a repayment amount which I have to pay for the overdraft facility?Yes. You have to pay the interest charged on the utilized overdraft amount for the month. If there is no minimum repayment for 3 months, the overdraft facility will be recalled.
• How long does it take to receive a Cash Connect Debit Card?For personalized card, you will get your debit card within 14 business days via mail to your mailing address, or from the branch / centre where you applied for the debit card.
• When will my PIN Mailer arrive?For personalized card, RHB Card Centre will send the PIN mailer (separately from card) via mail to your mailing address upon card issuance.
• What should I do if I forget my Cash Connect Debit Card PIN?Visit your nearest RHB Bank branch to change the Debit Card.
• Can I open a joint current account and apply for the Overdraft facility?No. You cannot open a joint account to apply for this facility. This Overdraft Facility is for account in one name only.
• What should I do upon receipt of Cash Connect Debit Card?
  • Please visit any RHB ATM to change the PIN for activation on both ATM withdrawal and retail spend. You will then be able to use the Cash Connect Debit Card to utilize your Overdraft Facility.
  • Alternatively, you may contact our Call Centre at 03-9206 8118 to activate the retail spend on Cash Connect Debit Card immediately and change the ATM PIN later at any RHB ATM for activation on ATM withdrawal.
• What should I do if my Cash Connect Debit Card is lost or stolen?Notify our Call Centre at 03-92068118 immediately to block your Debit Card. A replacement card will be issued to you at your request and the replacement card fee of RM15.00 will be charged to your Current Account.
• Under what circumstances holding of funds transactions are required to be performed  to my current account?
  • Hotel – Amount depends on the duration of stay whereby upon check-in, pre-authorization amount will be charged. Upon checkout, the pre-authorization amount will be reversed and the actual amount will be charged.
  • Petrol transaction at the pump (outdoor) – Pre-authorization amount is RM200 but some petrol operators allow the cardholder to select the amount at the pump. Pre-authorization amount will be charged to customer’s banking account during the fill-up. The pre-authorization amount will then be reversed and the actual filled-up amount will be charged to customer’s bank account once the bank receives the actual filled-up amount from the acquiring bank. Average pre-authorization holding day is 14 days.
• What if my account balance is insufficient for renewal charges?If your account balance is insufficient to make payment for the renewal charges, your Cash Connect Debit Card usage will be blocked until the annual charge is successfully debited to your account.
• Can I use the Cash Connect Debit Card (& Overdraft facility) outside of Malaysia?Yes. You can use your RHB Debit Card that comes with Overdraft Facility abroad anywhere you see the Visa logo displayed at the shop. The card can be used for retail purchases at any Visa merchant and cash withdrawals any time at any ATM with the Visa logo. For usage of the MEPS ATM access, you need to activate the overseas flag prior to your departure. The activation process can be done through our 24-hour customer service center at 03-92068118.
• How to I terminate this overdraft facility?You have to go to any RHB branch and provide a letter of instruction to terminate the facility. You can only terminate this facility when there is no outstanding overdraft in your account.
• Can I use Easy Payment Plan (EPP) facility for purchases with my RHB Debit Card?No, the EPP is not applicable for Debit Card.

http://www.rhb.com.my/cards/benefits/life_is_like_a_game/Life-Like-A-Game-Application-Form.pdf

Read more »

Seminar Emas Public Gold - Pokli

Jom datang ke seminar anjuran Public Gold pada bulan April 2011 ni......kalau pokli tulis di blog / facebook maybe ramai yang tak faham....tak nampak bagaimana nak memaksimakan pulangan dari pelaburan emas serta Fokus kepada keuntungan ........pelbagai arah.....best betul kalau berniaga ada untung pelbagai arah....wowowowow....jom la kita temui pokli di seluruh Malaysia.......tengok jadual di bawah dan boleh SMS kehadiran anda ke seminar pokli dgn Daftar Nama / tempat Seminar & Tempat seminar kepada 019- 6645066..... masuk adalah PERCUMA....Semoga apa yang baik datang daripada Allah...yang buruk datang dari kelemahan saya....moga ILMU yang di sampaikan dapat di panjang - panjang kan dan sama-sama Menjana pendapatan melalui Pelaburan Emas + Skill Asas Manipulasi Serta.......serta dapat menjana pendapatan PASIF dengan Public GOLD.....

Date	Time	Venue
6.4.2011 (Rabu)	8.30pm – 10.30pm	Public Gold Bishop Street Branch No.84, Lebuh Bishop, 10200 Penang, Malaysia.
7.4.2011 (Khamis)	8.30pm – 10.30pm	Public Gold Sg. Petani Branch No.86B, 1st Floor, Jalan Pengkalan, Tmn. Pekan Baru, 08000 Sungai Petani, Kedah
8.4.2011 (Jumaat)	8.30pm – 10.30pm	Public Gold Ipoh Branch No.45, 45A & 45B, Jalan Yang Kalsom, 30250 Ipoh, Perak.
9.4.2011 (Sabtu)	3.00 pm - 5.00 pm	Public Gold Sunway Branch 16-1A, Jln PJS 8/6 (3rd Floor), Mentari Business Park, Bdr. Sunway, 46150 PJ, Selangor.
14.4.2011 (Khamis)	8.30pm-10.30pm	Hotel Seri Malaysia Seremban Jalan Sungai Ujong 70200 Seremban Tukar Tempat : Hotel Carlton Star, Seremban No. 47, Jalan Dato' Sheikh Ahmad 70000 Seremban, Negeri Sembilan, Malaysia.
15.4.2011 (Jumaat)	8.30pm-10.30pm	The Emperor Hotel Melaka Jalan Mushi Abdullah 75350 Melaka
16.4.2011 (Sabtu)	3.00pm-5.00pm	Promenade Hotel Kota Kinabalu Sabah  No. 4, Lorong Api-Api 3, Api-Api Centre, Kota Kinabalu,  Tukar Tempat : Hotel Shangri-La 75, Bandaran Berjaya, 88000 P.O. Box 11718, 88819 Kota Kinabalu, Sabah, Malaysia.
20.4.2011 (Rabu)	8.30pm – 10.00pm	Public Gold Sunway Seminar Hall 16-1A, Jln PJS 8/6 (3rd Floor), Sunway Mentari Plaza, Bdr. Sunway, 46150 PJ, Selangor.
22.4.2011 (Jumaat)	8.30pm – 10.30pm	Public Gold Johor Branch 45A & B, Jalan Persisiran Perling, Taman Perling, 81200 Johor Bahru, Johor.
25.4.2011 (Isnin)	8.30pm – 10.00pm	Public Gold Kelantan Branch Tkt 1, Lot 257, Jalan Kebun Sultan, 15000 Kota Bharu, Kelantan Darul Naim.
26.4.2011 (Selasa)	8.30pm – 10.00pm	Public Gold Kuala Terengganu Branch 16A, 1st & 2nd Floor, Jalan Sultan Ismail, 20200 Kuala Terengganu.

Jom tengok peserta-peserta yang datang masa seminar pokli bulan March 2011 di seluruh Malaysia

 

Bersama Amygold di Kota Kinabalu

 Bersama Faizan Dasuki

 Kerang Putih di Kuantan

 

 En Azlan dari Tawau

 

 Bersama Din & isteri di Kota Bharu

Read more »

Seminar Emas Public Gold - Syukor Hashim

Baiklah, disini saya ingin mengumumkan jadual seminar Peluang Perniagaan Emas bersama Public Gold pada bulan April 2011.
Bagi mereka yang nak tahu rahsia emas, dijemput datang

Seminar peluang perniagaan emas bersama Public Gold pada bulan April 2011.

Baiklah, disini ini adalah jadual seminar bulan April 2011.

Hari	Masa	Tajuk	Negeri	Tempat
Sabtu. 9/4/2011	8.30 PM – 10.30 PM	Seminar Peluang Perniagaan Emas Public Gold	N9	Hotel Seri Malaysia, Seremban
Isnin 11/4/2011	8.30 PM- 10.30 PM	Seminar Peluang Perniagaan Emas Public Gold	Melaka	The Emperor Hotel Melaka123 Jalan Munshi Abdullah 75100 Melaka
Rabu 13/4/2011	8.30 PM- 10.30 PM	Seminar Peluang Perniagaan Emas Public Gold.	Kelantan	Public Gold Kelantan Branch, Jalan Kebun Sultan Kota Bharu (sebelah Public Bank)
Khamis14/4/2011	8.30 PM- 10.30 PM	Seminar Peluang Perniagaan Emas Public Gold	Kuala Terengganu	Public Gold K.Terengganu 16A, 1st & 2nd Floor. Jalan Sultan Ismail,(sebelah KFC)
Jumaat . 15/4/2011	8.30 PM- 10.30 PM	Seminar Peluang Perniagaan Emas Public Gold	Kuantan	Public Gold Kuantan, A-6624 Tingkat 2,Jalan Beserah 25250, Kuantan, Pahang (sebelah Maybank)
Sabtu 16/4/2011	8.30 PM– 10.30 PM .	Seminar Peluang Perniagaan Emas Public Gold	Bentong,  Pahang	Tempat akan dimaklumkan.
Isnin . 18/4/2011	8.30 PM– 10.30 PM	Seminar Peluang Perniagaan Emas Public Gold	Kuching, Sarawak.	Public Gold Kuching Branch 3rd Floor, Lots 456 & 457, Al – Idrus Commercial Centre, Jalan Satok,93400 Kuching, Sarawak.
Selasa . 19/4/2011	8.30 PM- 10.30 PM	Seminar Peluang Perniagaan Emas Public Gold.	Penang	Public Gold Bishop Street, No. 84, Lebuh Bishop, 10200 Penang (opposite Public Bank)
Rabu . 20/4/2011	8.30 PM- 10.30 PM	Seminar Peluang Perniagaan Emas Public Gold.	Ipoh	Public Gold Office (Ipoh, Perak) No. 45, Jalan Yang Kalsom, 30250 Ipoh, Perak (opposite Public Bank)
Khamis . 21/4/2011	8.30 PM- 10.30 PM	Seminar Peluang Perniagaan Emas Public Gold.	Sungai Petani Kedah.	Public Gold Office Sungai Petani 86B, First Floor Jalan Pengkalan, 08000 Sungai Petani (sebelah Public Bank)
Rabu . 27/4/2011	8.30 PM- 10.30 PM	Seminar Peluang Perniagaan Emas Public Gold.	Johor Bahru	Public Gold Johor Branch 45A Jalan Persisiran Perling Johor Baru (sebelah 7 Eleven)
Jumaat . 29/4/2011	8.30 PM- 10.30 PM	Seminar Peluang Perniagaan Emas Public Gold.	Sunway, Kl New seminar room.	Public Gold Office 42A, Jalan PJS 8/6 (tingkat 3), Mentari Business Park, Bandar Sunway
Sabtu . 30/4/2011	10 AM till 4PM	Entrepreneurship With Public Gold (Dulunya dipanggil New Dealer Orientation)	Sunway, Kl  Public Gold Sunway	Terbuka untuk dealer Public Gold sahaja.Daftar dengan office Sunway.Penceramah: Syukor Hashim Dr. Luv

Bagi mereka yang berminat mengetahui rahsia pelaburan + perniagaan emas, anda perlu hadir ke seminar ini. Ini kerana saya lebih menumpukan kepada educational knowledge. Saya mahu setiap orang yang hadir ke seminar ini menjadi celik emas.
Selepas celik emas barulah boleh belajar cara buat duit banyak dengan emas

Bagaimana cara utk hadir ke seminar ini?

First sekali, seminar ini adalah PERCUMA.
Tetapi sebelum datang kena register tempat terlebih dahulu.
Untuk hadir, anda perlu sms ke h/p saya: 013-3819901 butiran-butiran berikut
1. Nama penuh
2. Tarikh dan lokasi seminar pilihan anda

Contoh SMS:
SEMINAR: Ahmad bin Abu, 25/2/2011, Kota Bharu.
Jika hendak register lebih dari 1 tempat duduk, hantar SMS seperti ini:
SEMINAR: tempah 4 seat, 1. Ahmad bin Abu, 2. Halimah Ayob, 3. Halim Ahalim@yahoo. , 4. Linda Onn,  25/2/2011. Kota Bharu

Kemudian, saya akan memberikan maklumbalas samada masih ada kekosongan tempat atau tidak (biasanya dalam tempoh 24 jam  saya akan reply, bukannya serta merta. Harap maklum).

Apa faedah datang ke seminar ini?

First sekali, seminar ini adalah lebih kepada education mengenai pelaburan emas. Kebanyakan peserta seminar ini mengakui bahawa mereka tidak pernah terfikir tentang keuntungan lumayan apabila menyimpan emas, apatah lagi melihat teknik-teknik manipulasi harga emas bagi mendapat lebih keuntungan.
Kemudian baru saya bercerita tentang keuntungan berniaga emas. Jadi, kalau anda nak tahu selok belok pelaburan emas maka anda kena hadir seminar ini.

Read more »

Gold Investment Account In Malaysia

Gold Account investment product that currently available at few banks in Malaysia allows customer to invest in Gold without necessity to hold on the physical gold.
Invest in gold with Gold Deposit/Saving/Investment Account is another option for gold investor instead of buying and keeping pyhsical gold. This would reduce concern on security and storage issues that would also required additional fee. Most of the Gold Account offered by banks now as shown in the table below providing a withdrawal option to customer to withdraw as a cash (credit into account) or as a physical gold.
Customer could open an account with initial deposit as low as 5 grams and minimum subsequent purchase of 5 grams.
Table below shown some information of features and benefits of Gold Depost/Saving/Investment account that currently available.

 

(1): Information for this item was extracted from the bank’s website. However this option might not be applicable anymore.

Note:

• Please DO NOT take the information above for granted when you deal with the respective bank.
• The information above is as of the date of this post. The bank may change the above features or benefits from time to time.

credit to: http://www.bebas-hutang.com/page/3/

Read more »

Pelaburan Silver

Apabila harga logam perak naik, ke tahap USD 24 satu troy aun, Maka ramailah yang mula nampak bahawa perak adalah satu pelaburan yang baik, kenaikannya tinggi berbanding emas.

Nisbah harga perak masih terlalu rendah berbanding emas.
Kalau kini sekilo perak lebih kurang 20 gram emas, Ianya tidak mustahil untuk sekilo perak setara dengan 40 gram emas.


Namun terdapat satu masalah, dimana ramai orang menganggap logam perak tidaklah secair emas.

Ia tidak boleh dipajak, dan sukar dijual.

Ia menjadikan tahap kecairan logam perak begitu rendah.
Sekira anda menyimpan jongkong logam perak di rumah, ianya hanya menjadi simpanan yang beku.

Ya, harganya akan naik, tetapi begitu sukar untuk dijual.

Apatah pula kalau jenama jongkong itu tidaklah sepopular mana. Mungkin ianya popular hanya di Malaysia.

Jadi, untuk mendapatkan tahap kecairan perak yang tinggi, ianya perlulah popular. Dikenali serata dunia.

Anda boleh mendapatkan logam perak yang murah, tetapi ianya mungkin tidak cair.

Jadi anda yang tentukan sendiri. Samada.

• Mahukan logam perak yang murah tetapi tidak cair.

atau

• Mahukan logam perak yang sedikit mahal tetapi cair.

Selain dirham Kerajaan Kelantan, Logam perak yang boleh dikatakan cair ialah Syiling 1oz Jenama terkemuka.

Di Malaysia, anda boleh membeli Syiling American Silver Eagles 1oz, daripada Nubex.

Ataupun, syiling Silver Maple Leaf 1oz daripada Nubex.

Maka terpulanglah kepada anda, samada untuk memilih logam perak yang cair, atau murah.
Adalah lebih selamat jika ia diseimbangkan.

Walaupun potensi logam perak adalah amat-amat tinggi, namun anda adalah digalakkan untuk tidak tamak.

Anda boleh menggunakan Silver Maple Leaf 1oz untuk diinfakkan ke Ikhwanul Muslimin yang sering membantu Gaza.

Namun, sekiranya anda masih baru dalam memahami emas dan perak, anda dicadangkan untuk memiliki emas yang secukupnya, sebelum melangkah ke arah perak.

Credit to: http://hasbullah.pit.my/2010/10/pelaburan-silver-perak-yang-cair.html

Read more »

BSN Balanace Transfer Plan

Bank Simpanan Nasional (BSN) is offering Credit Card Balance Transfer Plan with interest rates as low as 0% per month with maximum period of 24 months, until 31 December 2011.
Transfer your credit card balance to BSN Credit Card, and enjoy big savings.

Features and Benefits

• Minimum transfer of RM500
• Maximum transfer is equivalent to the applicant BSN Credit Card credit limit
• No processing fee

For more info and how to apply, visit BSN Balance Transfer Plan

Read more »

Bank Rakyat’s Share Open for Subcription

Bank Kerjasama Rakyat Malaysia (Bank Rakyat) has announced that they are open its share for subscription to public, following up to the approval from Bank Negara Malaysia to increase its current paid-up capital to RM3 billion.

The existing RM2 billion paid-up capital is fully subcribed by about 750,000 members. As record, Bank Rakyat has been declaring 15% dividend since 1999

Read more »