ERIKA – AskCF.com

Property Valuation Report – Analyzed (Step-by-Step) ✌

As a property owner or investor, you cannot simply assume bank valuation of your real estate property is similar to your perceived (BIASED!) market value of your property. There are

Bankruptcy Facts in Malaysia you should know

The Insolvency Act 1967 was amended in 2020, to raise the bankruptcy threshold from RM50,000 to RM100,000. This was the second time the bankruptcy threshold was increased within a span

Insurers Scam People or People Scam Insurers?

I discuss how insurance scams occur through a WhatsApp conversation with a client regarding upgrading a medical card. I emphasize the importance of transparently disclosing pre-existing medical conditions to ensure

Medical card for Diabetics

In this video, I clarify common misconceptions about obtaining medical insurance for diabetics in Malaysia. I discuss two insurance companies that offer coverage and the factors that influence approval, such

Differentiating Co-Insurance with Deductible

In this video, I break down how co-payment/co-insurance work, particularly with Allianz options. I provide examples to illustrate the differences between a 5% and 15% co-insurance, including their upper caps

Medical card 2025 Part 2(High End Config)

In this video, I dive into the latest premium medical card versions from major insurance companies in Malaysia for 2025, focusing on the lowest pricing and coverage options. I highlight

Medical card 2025 Part 1(Affordable Config)

In this video, I discuss the major revisions to medical cards by various insurance companies for 2025, focusing on the most cost-effective options available. I highlight the differences between the

The Transparency of Comparing Premium Costs among Insurers

I discuss the importance of shopping around for insurance premiums by comparing quotes for a 2 million life insurance policy over 20 years from different companies. I show how significant

What Insurance Agent Said – T/F? Part 3

Nearly everyone has encountered a pushy agent who just can’t take no for an answer. Or how people bought a policy which later discovered comes with some unexpected surprises. The first

What Insurance Agent Said – T/F? Part 2

Nearly everyone has encountered a pushy agent who just can’t take no for an answer. Or how people bought a policy which later discovered comes with some unexpected surprises. The first

What Insurance Agent Said – T/F? Part 1

Nearly everyone has encountered a pushy agent who just can’t take no for an answer. Or how people bought a policy which later discovered comes with some unexpected surprises. The first

Insurance Savings Plans for Retirement Funding – Good or Not?

This is an actual commentary recorded for a doctor client when he asked whether he should proceed with buying an insurance saving plan based on information he got from the

Insurance Savings Plans for Children Education Funding – Yay or Nay?

In this video, I discuss the concept of insurance savings plans and their effectiveness in accumulating funds for specific purposes, such as children's education. I analyze a case study where

Changes in Medical Insurance Landscape in Malaysia

This summarizes: Clarifying the Confusion about the recent mandatory implementation of Co-payment and Deductible features for Medical Insurance in Malaysia Recent medical inflation trends affecting hike in medical premiums Medical insurance premium savings

???? Soft Landing within Striking Distance, No Recession

What Happened Recently After the recent, surprisingly improved inflation data released in mid-July, it solidified expectations for a near-term rate cut by the Federal Reserve. Why It Matters Lower rates are beneficial to

Interest Rate Cut Cycle Just Started, however…

What Happened Recently Interest Rate Cut Cycle started, but not in the US. Instead, the European Central Bank (ECB) which represented 20 countries, proceeded with its 0.25% interest rate cut in the

Showing you contents of a Hospital Guarantee Letter (GL)

Your medical card is useless at private hospitals means: it will NOT grant you cashless permission The real document that enables cashless admission is GL issued by insurer. This is how it looks

Medical Inflation and Its Impact on Medical Policies Part 3

Common mis-use of medical insurance (borderline fraudulent cases) and how insurance companies counter these incidents, to prevent medical claims from spiraling out of control - thereby impacting honest policy owners

Medical Inflation and Its Impact on Medical Policies Part 2

Example of High Claim amount medical cases in Malaysia (7 Figures) and its associated medical conditions. Also, example of high frequency claim incidents and its associated medical conditions. Doctors being more cautious

Medical Inflation and Its Impact on Medical Policies Part 1

I provide data on the rising trend of medical inflation in Malaysia compared to other countries. I explain how medical inflation is different from general inflation and why it is

Stock Markets & Global Economy Confidence Level so Far 2024

Data & analysis released so far that answers your questions below. Are we positive 2024 is going to be better & safer than 2023 & 2022 for the stock market? ✔️Yes,

What the Market Wants vs What the Market Needs (to Avoid)

This month's update - we are covering what will central banks do in 2024. The truth is that we are at central banks’ mercy, especially US central banks – Federal Reserve.

Wrapping Up 2023, what to expect in 2024

There are many ever-moving parts of the world economy and is not so easy to understand. But I will summarize what to expect 1-2 years from here so you add this

Will Global Economies Recover or Recede in 2024?

I want to bring you up to speed on this: 'when will the economy recover?'... ...so you can make better portfolio decisions going forward, taking into account recent events &

Improve Policy (ILP) Sustainability Easy w/o Paying More

Yep, we are going to answer that today. I'm going to even show you what to do. It's easy Best of all, no extra protection or investment premium required (although that definitely helps) More

Solving Hiccups during Hospital Admission/Discharge

This is how you can detect and resolve common issues during hospital admission & discharge using your own medical insurance, without needing your insurance agent to be on-site.

Pivotal Events Affecting your Investment 2H 2023

26 July 2023 - Although US central bank (the Fed) never committed to it, the 0.25% hike could be the last or second last, as we near the end of the

Contestability Period (for Medical Insurance)

Contestability period is a practice pertaining to any medical insurance policy that allows the insurance company to contest or question the claim raised within 2 years of the policy being

How Fast Insurance Companies Pay Out your Medical Claim/Reimbursement? Answer inside

Pre-hospitalization medical claim: RM 142.90 Post-hospitalization medical claim: RM 114.00 Filing claim using insurer's own app Claim payment receipt 1 Claim payment receipt 2 Transaction history inside bank account Conclusion: When there is no misrepresentation of