How Devil Property Gurus Con their Followers (Kisah Benar)
Malaysians who had been blindsided by notorious property gurus running rampant in the property investment industry came out and shared this to others - hopefully it helps to heighten the
Malaysians who had been blindsided by notorious property gurus running rampant in the property investment industry came out and shared this to others - hopefully it helps to heighten the
Oh, the hassle of going to the doctor's clinic or hospital to do medical check as instructed by the insurance company when you apply for insurance. Yet, you may have seen
How is assurance difference from insurance? Do you know that some people have multiple insurance policies but actually very little or invalid assurance? How can that be? And how to check and prevent
When I first heard my client related his kisah benar to me, even I was surprised at how this happened The audacity, notoriety and blatant disregard of ethics of the insurance
Yep, we are going to answer that today. If you're retired or unemployed, what kind and how much of insurance can you apply for? How much can you buy for your
Yes, Personal Accident policy is relatively inexpensive. Most people don't even bat an eye on the premium cost. Some who do have it, do not realize how useless it is. Because your PA
We regularly get compliments from clients on our seemingly uncanny high success rate when it comes to insurance appeals. In case you aren't aware, it is a negotiation process where we
You may have heard someone said a medical card in the form of rider is better; on the other hand, someone else probably told you the complete opposite, stating a
So you have been holding on a medical since 5 years ago or even longer? And you recently got triggered that your annual limit might not be sufficient going forward? But, you
Finally, we have client who came to us to review and restructure his insurance policies dating from 3 decades ago. 4 of the policies are savings plan, bought in the
Let me reveal to you - a good indicator of the type of illness or condition you should really be aware of... ...based on the top-down breakdown of the Top 5
This month, I wanted to give you a high level overview of what precautions to take based on what has transpires so far. Specifically, insights on equities and property market. First,
You've enjoying a very comprehensive medical insurance coverage by your employer for quite some time. But recently somebody or some event triggered you that can be insufficient You have no intention
Here's the truth. Your medical card/insurance won't cover your hospital bills 100% You probably need to fork out money to pay for some items in your medical bills upon discharge. But WHY? And is
This is a very good example on what happens to your investment-linked policy sustainability when you are over 70 years old. It's so important for you to plan and allocate funds
If you've had an insurance for a couple of years, you are likely to encounter this - Hike In Insurance Charges (nope, it does not mean direct Hike in Premiums) This
This is a breakthrough solution from a Malaysian insurer - now there is a product which covers your hospitalization and surgical procedures internationally without geographical restrictions. Coverage up to USD
Come July 2019, following new ILP guideline/ruling from BNM, most insurers in Malaysia took this opportunity to revise their product offerings. Personally, I only focus on what I think is the
Here's the story Some time ago, a new prospective client did his own research comparing the cost (premiums) of medical cards. He found out that there's a different medical card product range,
It used to be just 36 Critical Illnesses aka Dreaded Diseases. Then the coverage evolved to include Early Critical Illnesses, which some insurers packaged them as 60 or 70+ Critical Illness
If you are in your 40's or above, chances are - it won't taking a stroll in the park when you apply for medical insurance (aka medical card). The worst outcome
So here's the thing...like some things in life, you probably need to go to both ends of the spectrum to know the entire picture. How can you understand what's evil in
If I were to tell you you need to pay RM 10k/year for RM 500k (half a million) of Death/TPD coverage, would you think this is reasonable? For the uninformed, the
You might have tried every investment vehicles out there - stocks, real estate property, unit trusts, and even bitcoin maybe. And you might have learnt every investing approach there are -
Picture this. You pay for your medical card premium for n-th number of years. Then one day, you need to be admitted to the hospital. You expect hassle-free, cashless admission. But suddenly hospital informs
How High can Cancer Treatment Bills go? The subject line is self-explanatory and I hope this serves as a useful practical (not medical) perspective for your reading this. Withhold your judgement
If you've been admitted to a hospital before, have you wondered why the specialist come to see you twice a day, but not less and not more? That seems to be
If I were to offer you something that gives you 25% return in 15 years, would you take it? Most people first reaction would be - 'YES!' then they will be
Do you agree, when you purchase an ins policy, you expect to keep it for the next 30-50 years but you just hope we won't have to use it. The crux
Have you really scrutinized your medical card - the number of days per year of hospitalization it covers? Yes, they varies from one insurer to another. And more than that, there's this
"But why I want to lose weight in the first place?" Because every few weeks, we got new AskCF members who asked in their very first question: 'I am in urgent need
Impacts of Pakatan Harapan’s GE14 manifesto on sectors and stocks. Consumer goods sector to be resilient in 2018 and 2019 as the new PH government is expected to abolish the GST,
I think this insurer really made a breakthrough in Malaysian health insurance market by offering an electronic version of its medical card which can be bought online without any insurance
I think this insurance company is blatantly trying to blindside people for its medical insurance products. Here's why. Let me ask you, if you an insurer, offering a medical card with no
Updated 15/2/2018 This table is computing the total returns up to end 2017 if you were to invest RM 50k into the list of EPF-approved unit trust funds with foreign exposure,
I always got an equal number of inquiries when it comes to buying a medical card for: Your childrenYour elderly parents In your opinion, which one should we prioritize over? Most people will
I am sure you are aware of the outcomes below when it comes to insurance application: Approved per standard case, as quoted (best case scenario, standard premium, full coverage)Approved with loading
Don't underestimate this knowledge on how to get your credit application approved (or never rejected in the first place). Let me put you in a situation. You discovered a dream home for
If you don't know that already, once you are diagnosed with diabetes, all insurers will reject your medical insurance application. In fact, there's no point submitting an application in the
You may have watched the video below but in case you have NOT, watch it first to get a background of what this is about. Of course, as a subscriber, you
OK, here's the thing - it is not everyday or even every month where insurance companies updates their range of medical cards aka health insurance aka hospitalization & surgical policies. No,
Have you been in a scenario where a retired/non-working elderly parents/relatives always hunt for the best fixed deposit deals from banks to park their retirement money? They are usually very risk-averse
In this month's episode, I answered the questions: What is the evidence required to claim the 3,000 parental tax relief from 2016 to 2020...(remember, you don't want to mess with IRB
Before all these money scams / pyramid schemes became popular, one of the common methods to save & invest for long term is via insurance savings plan (aka endowment plan) But
The "conventional wisdom" has always been that Warren Buffett's success can be explained by his stock-picking skills and his discipline. And that lead people to adopt his stock picking strategy aka
People always asked "how do I know if I can sustain my lifestyle until my twillight years with what I already have?" In other words, they are looking to quit or slow
Profitable + consistent annual returns in long term investing doesn't have to be a scary, frustrating experience. This is your ultimate shortcut to getting world class investment returns, matching even Warren
This table compare all available Allianz medical card options and configurations, with indicative annual premium for a 35 & 50 years old Male/Non-smoker/Occupation Class 1 & 2. Room & board (R&B)