Sunday, 27 November 2011

insurance..:)

 long time ago, people will afraid when we talk about insurance... they think insurance was rubbish and unlogical things.. they also think that insurance just waste of their money..  but now, insurance was very important in our life.. there are many of advantage if we have an insurance to cover our life and our properties.. every people needs insurance to make sure that they are have a backup planning if there are something happen in their life like, death, chronic sickness, their home was burned and others..



nowadays, many of incident could happen in our life by suddenly..
  we can't assume what will happen in our life tomorrow.. so, we have to prepare for any things that will happen to us.. there are some stage in our life.. we go through different stages in our life, facing different situations and embark on new adventures each time. we have to be prepared to face our future.. we have to make sure that we and our family are financially secure.. now we will learn how we can make the most of our money with our life stages financial strategies..




money matters for young adults..






this is the time when we are usually on our own way from home attending to school or colleges. Of the many things that we need to deal on our own from this stage of our life is managing our personal finances. We have to learn to manage our money properly and calculate our budget. Consider putting our allowance into a bank account. Providing us with an efficient way to save and withdraw money, this account will also enable us to apply for internet banking services to conduct online banking. We should learn the basics of insurance to ensure continued financial stability and security.




starting a job...
as we enter the working world, we may to know more about managing our money and knowing which banking account to choose the best suits with us. do compare rates and the benefits offered under the different products. for budgeting, use our own budget calculator to calculate our plan finances better. we may also want to look into alternatives method of payment for our purchases. if our annuals income exceeds from rm18000, we may apply for payment card. shop around for the various cards offered, but equally important, learn how to manage the used of these cards as uncontrolled use could controlled us to difficulties.














 if we are thinking of buying a house or a car of our own, there are a variety of housing loans and vehicle hire purchase financing packages offered by different banking institutions. do shop around and compare prices and loan features. visit our comparative tables to assists us in this. also remember that when it comes to buying a house or a car, we will need to get a necessary insurance cover four our house, vehicle and loan. consider what we can do with our surplus funds wisely. check out the tips on investments from our guide. we can also learn more about medical and health insurance as well as investment-linked insurance to ensure that we are taken care of if unforeseen risks occur. protect our possessions, with the appropriate insurance policies or takaful plans and assure peace of mind for us and our family.


starting a family....





for most parents, family comes first. we want to ensure that our family members needs are well taken care of their future is secure even if us are no longer around. the most basic skill we need to have in ensuring the financial  security of our family is learning how to manage our money. use our budget calculator to help us in this. we also can introduce good money management habits to our children through http://www.duitsaku.com.my/..
other important considerations may include having personal protection for us and our loved ones. be it insurance protection or takaful cover, our family members should be able to continue with their lives if we are not around. we should give our children a bright future by having a solid child education plan and secure our future after retirement through annuity schemes. 




entering retirement..









as us move into this stage in our life, our financial issues would generally be related to retirement funds. we will be need to assess critically whether we can afford to retire or when can we retire. discover how careful financial planning can ensure our comfort in our later years. learn the smart way to invest our money and enjoy the investment returns in our retirement years. with proper protection for our investment and retirement annuities, we can rest and enjoy our retirement with our loved ones. 


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