Bijak Wang

Technology spoils people’s whims. It tends to cater to every human’s caprices. It feeds on the people’s undying thirst for easy, instant, and convenient.

More often than not, it also causes them a lot of trouble—financial trouble through credit card debt—that is.



Credit Card convenience vs. Credit Card debt

We often see people pull out “plastic” to pay for everything they need. Why not? When all it takes is a quick swipe of the card through a little electronic box and a signature then, everything’s okay.

You go home happy, content, and almost worry-free. On the other hand, not every one of these people realize that the convenience of using credit cards can lead to a false feeling of financial security. And this realization will strike them as soon as the bills arrive.

In fact, studies show that credit card debt and personal bankruptcies have increases bank profits to the highest level in the last five years. It only shows that more and more credit card holders were unable to manage their finances that lead to credit card debt.

If you are a cardholder and having some credit card debt troubles at this early stage, it’ now time to think over the possible outcomes of this minor glitch so that a more serious problem with credit card debt would cease to arise.

Credit card gives people the feeling of invincibility. And it also gives them tons of uncertainty about their financial management capability when they encounter problems with their credit card debt.

Although it is true that that credit cards solve financial matters especially when it comes to safety and convenience, credit cards also creates hassle especially when the person using it doesn’t know what you he or she’s getting into.

Indeed, paying off credit card debt may take a long time especially if the person has high interest rates. But, it doesn’t mean that you can do nothing about efficient management of credit card debt.

When you find yourself overwhelmed with credit card debt, don’t fall into a pit of depression. You can get through it with discipline and a change in spending patterns.

Start eliminating problems with credit card debt by getting tips and techniques on how to pay off your balances easier, how to consolidate of frequently encountered problems, look for free debt consultation agencies that can help you, and try—inch by inch—to rediscover ways on how you can regain your financial freedom by reducing you credit card debt.

The power to eliminate credit card debt

People who are having problems managing their credit card debt or those who are near in bankruptcy often don’t realize that the power to eliminate their credit card debt troubles totally is in their hands.

Today, more and more peoples need credit card debt help badly. The main problem is that these families are having difficult times paying high interest for credit card debt.

And instead of lifting the burden of credit card debt, more people are paying much in interest every month than that of the actual expenditure.

There are actually more lawful and moral ways to zero-out thousands of dollars in credit card debts. And if you only take the time to research and know your rights and how bankruptcy laws have changed, you will discover that there are valuable facts to eliminate credit card debt.

Actually, the possibility of reducing or eliminating the high interest credit card debt is now more possible when a person takes action to get his or her finances back on track.

Apart from knowing your weapon in terminating credit card debt, it is very important that you develop a sense of control and perseverance first.

Since credit card debt elimination process requires organization, clarity, and commitment to your own growth, it is a must that you are ready for the responsibility and to stand free and independent.

For those people who consider having a credit card indispensable but afraid of getting one because of the possibility of credit card debt nightmare, you must remember that credit card can be a powerful tool in managing your finances but there will always be glitches when not used properly.

Of course, there are countless reasons why you should and shouldn’t get one depending on your needs. Whether you decide to get one or not, managing finances it still takes a sense of good budgeting, willingness to change spending habits, and the humility to avail low interest consolidation loans when you are already burdened by too much credit card debt.



P/S : Kepada sesiapa hendak teknik efektif untuk mengurangkan interest kad kredit secara percuma ,bolehlah emailkan ke :

helmi.maatakaful@gmail.com

Di sini dilampirkan senarai kursus-kursus pendek di kolej komuniti selayang.Sesiapa yang berminat bolehlah refer ke homepage kolej komuniti di malaysia.

Pelbagai kursus ditawarkan dengan harga kehadiran yang tersangat murah contohnya , kursus memasak , kursus pendawaian elektrik , kursus tilawah agama , kursus membuat laman web dan blog dan sebagainya.

Murah dan berbaloilah kepada sesiapa yang baru hendak belajar dan mencuba something new.Amat berbaloi !!!!

Disini, salah satu contoh takwim kursus pendek :

kolej komuniti selayang
kolej komuniti kuala langat

Kini BSN ada menawarkan Balance Transfer yang memang dikatakan murah interestnya berbanding dari institusi bank lain.Bayangkan interest balance transfer untuk 2 tahun hanyalah 4.5% sahaja.!!!

TIDAKKAH itu amat berbaloi berbanding Balance Transfer dari bank lain yang kalau tidak silap saya,paling rendah pun hanya 5% Interest,itu pun PUBLIC BANK.

Jadi,sesiapa yang berminat hendak memohon Balance Transfer BSN,bolehlah hubungi saya untuk penerangan lebih lanjut.

KELAYAKAN

Kad Kredit BSN ( ini boleh diapply ketika memohon Program Balance Transfer)
Kad Kredit Dari Institusi Bank Lain

BENEFIT

Tiada Processing Charge

Tiada Annual Fee

Minima Pindahan Wang : RM500

Maksimum Pindahan Wang : Sama Nilai dengan Limit Kad Kredit Dari Bank Lain

Interest Yang Tersangat Murah

Sumber : BSN Balance Transfer Programme

Setiap kali kita diberitahu oleh agen Takaful mengenai Rider /manfaaat lanjutan di dalam polisi kita , adakah kita benar-benar memahami setiap rider@manfaat lanjutan Takaful yang kita beli itu?

Hari ini Kami ingin menjelaskan satu persatu setiap manfaat tambahan@rider yang ada didalam Takaful untuk pemahaman anda semua.

Manfaat Lanjutan@Rider adalah suatu manfaat tambahan yang kita akan perolehi selain dari Manfaat Kematian dan Manfaat Hilang Upaya Kekal ( TPD ).Manfaat Tambahan@Rider ini sebenarnya bukanlah sesuatu yang wajib untuk kita sertakan bersama polisi TETAPI...TETAPI...TETAPI...( 3x ditekankan ini..),ada juga Manfaat Tambahan@Rider yang perlu kita sertakan bersama polisi kita untuk kesenangan kita di masa hadapan.

Ok..Harap anda semua dapat memahami secara ringkasnya,apa itu Manfaat Tambahan@Rider didalam polisi Takaful kita.Disini, Kami akan terangkn satu per satu setiap Manfaat Tambahan@Rider didalam polisi Takaful kita.

# PENYAKIT KRITIKAL MANFAAT TAMBAHAN PLUS (MTCIP)

Ia merupakan manfaat tambahan berdasarkan sijil asas yang mana ada 36 jenis penyakit/rawatan-rawatan.

Satu bahagian atau 100% daripada jumlah yang dilindungi oleh MTCIP akan dibayar pada diagnosis yang pertama penyakit kritikal.
Contohnya:HIV disebabkan Pemindahan Darah(50% dari jumlah perlindungan)

CIRI-CIRI MTCIP :
1) Jumlah Asas Perlindungan akan berkurangan
Contohnya : Jika Jumlah Asas Perlindungan adalah RM100K ,dan bayaran yang telah dibayar atas penyakit kritikal itu adalah RM5000.Jadi ,baki Jumlah Asas Perlindungan yang tinggal akan menjadi RM95000 = RM100,000 - RM5000.

2)Jumlah MTCIP juga berkurang.
Contohnya : Jika Jumlah MTCIP adalah RM20K ,dan bayaran yang telah dibayar atas penyakit kritikal itu adalah RM5000.Jadi ,baki MTCIP yang tinggal akan menjadi RM15000 = RM20,000 - RM5000.

# PENYAKIT KRITIKAL MANFAAT TAMBAHAN SUPER (MTCIS)

Ia juga merupakan manfaat tambahan berdasarkan sijil asas yang mana ada 36 jenis penyakit/rawatan-rawatan,TETAPI setiap pembayaran dari MTCIS tidak akan memberi kesan kepada Jumlah Asas Perlindungan.

Satu bahagian atau 100% daripada jumlah yang dilindungi oleh MTCIP akan dibayar pada diagnosis yang pertama penyakit kritikal.
Contohnya:HIV disebabkan Pemindahan Darah(50% dari jumlah perlindungan)

CIRI-CIRI MTCIS :
1) Jumlah Asas Perlindungan akan KEKAL
Contohnya : Jika Jumlah Asas Perlindungan adalah RM100K ,dan bayaran yang telah dibayar atas penyakit kritikal itu adalah RM5000.Jadi ,baki Jumlah Asas Perlindungan yang KEKAL RM100,OOO.

2)Jumlah MTCIS akan berkurangan.
Contohnya : Jika Jumlah MTCIP adalah RM20K ,dan bayaran yang telah dibayar atas penyakit kritikal itu adalah RM5000.Jadi ,baki MTCIP yang tinggal akan menjadi RM15000 = RM20,000 - RM5000.

# MANFAAT PENYUMBANG (xxMTCB , xx = 8-25 Tahun)

Ia merupakan manfaat tambahan jika polisi anda dibayar oleh orang lain( penyumbang = suami,isteri,ayah,ibu,datuk,nenek,bf,gf ).

Manfaat ini membenarkan pengecualian caruman polisi anda jika penyumbang itu mengalami :

Hilang daya upaya kekal
Dirawat daripada penyakit yang merbahaya
Meninggal dunia.

Jika berlaku salah satu diantara 3 perkara yang disebutkan diatas kepada penyumbang ,anda akan terus menerima semua manfaat sijil dan jumlah yang bakal diterima masih boleh diperolehi oleh penama waris.

Akan disambung di penerangan seterusnya.....