your Financial Well-being Strategy that works today
Was invited by EPF (yes, the one and only KWSP) in 25 Oct 2021 to give a talk on this topic (in BM).
These are the bullet points:
-How to make more
Part 2: How Banks Secretly Earn Easy Money from your Mortgage
Continue from part1 of the same title - narrating the behind-the-scenes of how our client serviced his mortgage installments for more than 1 decade, only to discover his outstanding loan
Wicked! How Banks Secretly Earn Easy Money from your Mortgage
Real story of how our client serviced his mortgage installments for more than 10 years, and then realized the outstanding balance is even HIGHER than the original mortgage amount!
Seeing is
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
“Why insurer call for medical exam even when I declared I am healthy?”
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
Got insurance but no assurance?
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
How much you can earn from a YouTube channel (passive income that Grows FAST)
By revealing to you behind-the-scenes of CF Lieu YouTube channel
No Holds Barred
Here's the thing: Subscribers count does NOT matter (aka 'vanity metric'). You will see that CF Lieu channel earns
True Signs you cannot afford your approved mortgage(s)
Purchasing a property (and getting a long term loan comes with it) is one of the biggest adulting process you can never be too prepared for.
Getting approved for the home
This Almost Caused a Market Meltdown (how you can escape unscathed)
This is High Level Investing knowledge.
Read the background story HERE first
Then watch the below for my commentary where I break it down into layman explanation for your understanding.
Why Value Investing Strategy is Dead (since 2020)
And why should you care?
Now that Covid19 has changed the world like never before?
More details, watch below.
How Free-for-All EPF Withdrawal (i-Sinar) can affect you
...in terms of future EPF dividend returns
....even if you don't need to withdraw a single cent from your EPF account 1 (aka not participate in i-Sinar)
More details, watch below.
Shocking! Cheated for 5 Figures by Insurance Agent
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
Special 2020 Tax Relief you may have MISSED
Below, this 5 min info will be the best time spent this month
Only if you want to buy a desktop computer: How to avoid getting non-compliance penalty if you are
how much insurance can you buy (if budget is not a constraint)?
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
Unit Trust vs ETF vs Robo Advisor
If you are confused with the many conflicting opinions or claims you heard so far on which one is better for you...
…then this video will clarify EVERYTHING.
Watch below.
Highly recommended that
The Best Instrument to get 3x FD Rate now
These are the Exact Fixed Deposit Substitutes you can use to 1.2x to 3x your FD Rate (1.7x percent) Safely & Consistently going forward
…without needing to invest in stock market,
Do you really need P.A.? Y/N? (Answer inside)
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
REVEALED: Our Insider Insurance Appeal Process
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
Medical: Rider vs Term ~ which one is REALLY better?
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
What to Consider Before Changing your Outdated Medical Card
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
Insurance Savings Plan can Beat Fixed Deposit? (30 years case study)
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
Insurance Claim Breakdown
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
Risk Management Approach for Investing in 2020
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,
Y/N? Top up Company Medical Insurance Coverage
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
Hospital Bill Items NOT covered by medical insurance
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
Endgame: ILP Sustainability in Jeopardy [Case Study]
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
Hike in Insurance Charges – what’s that & how to handle?
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
Innovative end-to-end global medical coverage in USD
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
Allianz Medisafe Infinite+ Review & Compare
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
Medical Card by Life Insurer vs General Insurer – Critical Things to Know
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,
Do you need 150+ Critical Illnesses Cover?
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
How we get medical card application from Postponed to Approved
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
Stupid & Smart Way to Buy Large Sum of Insurance
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
Why Insurance Agent will Over Charge you in Broad Daylight when you’re Stupid
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
Timeless Strategy to Invest in 2019 & Beyond
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 -
Why your Medical Card Reject your Claim (Why and what you can do)
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
Kisah Benar on Cancer Treatments (the bill will shock you)
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
Things that are inside the policy contract but isn’t in the quotation
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
How Banks Blindside you in Broad Daylight if you’re a Financial Idiot
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
Most Enduring Insurer (according to a global research)
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
Medical Card: 150 days per year vs 150 days per disability?
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
KD+30M+IF = Insider Formula to Rapid (& Safe) Weight Loss
"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
How to Survive the Stock Market Post GE14
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,
How does this eMedic Card compare to Normal Medic Card? (Truth Inside)
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
Here’s why I hate this insurer (because its agent are blindsiding customers when selling this medical card)
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
EPF-approved funds with foreign exposure: Complete performance comparison table
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,
Best cost efficient medical card for elderly parents
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
How we helped a client get his insurance approved without loading/exclusion
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