Medical Protection is NOT for those approaching their senior years; Medical Insurance should be considered at a young AGE

Medical Insurance will ensure you received the required treatment. Most importantly it protects your property, savings, and medical bills and frees you from fears of burdening any family or friends. 

As health care expenses rising everyday in Malaysia, I often find many people according to frequent survey's done in Hospitals are not covered by a medical Insurance. However as many of them worry about rising cost of prescription drugs, consultations, hospital stays and X-Rays, but yet adhere to the style of "wait and see attitude" 

I have encountered this with numerous of my own friends, when I ask them do you have an insurance? Their typical answer is NO, "I am planning to sign up for one soon" But when? Then my typical answer would be, could I indulge you more from protection/medical? They go on... Sure, I'll let you know when, or probably soon. This group of people typically dispute the need for medical protection, yet they spend more time researching on a personal loan, home loan or purchasing a car than making critical decisions about Medical Protection.

We conducted Insurance awareness booth in IJN (Institute Jantung Negara). Our Great Eastern booth stood there for 5 whole days. 85% of people/ visitors/ patients we approached are going through live without Medical Insurance whereby risking their financial standing should anything health risks were to happen. 

Malaysia Public Health Institute study showed at least 81% of elderly suffered from chronic ailment. 

Today, CANCER is like SIX DEGREE OF SEPARATION whereby everyone is just six steps away from knowing "a friend of a friend" has CANCER. 

Medical Insurance is NOT for those approaching their senior years. Remember " EVERYONE NEED MEDICAL INSURANCE" 

There are certain group of people believe medical insurance is not necessary because the organization provide one for them. This coverages offered by companies are limited and plans are routinely discontinued when they leave the organization. 

 

Public Mutual declares dividend for 4 funds

Public Index fund 6.25 sen per unit
Public Money Market Fund 2.50 sen per unit
Public Enhanced Bond fund 3.75 sen per unit
Public Islamic Growth Fund 1.50 sen per unit

Dialog Group- Buy

Buy
Share price: RM 2.43
Target price: RM3.05

(Maybank Research)

A continuous growth story into 2012

maintain buy for this stock! 

Public Mutual declares dividend for 5 funds

Public Savings Fund

7.50 sen per unit

Public Focus Select Fund
2.00 sen per unit


Public Strategic Bond Fund
3.00 sen per uni


Public Islamic Strategic Bond Fund
3.00 sen per unit


Public Islamic Enhanced Bond Fund
3.00 sen per unit

do you have these skills towards financial freedom?

Track Your Spending

List Your Monthly Expenses

Get you LATE fee waived (credit card) - did you know that they do waive? If only you've made that call. 

Be HARDCORE frugal

Call and lower your ASTRO subscription. Do you really need that many channels when you're struggling to pay it off at month end?

Go for online coupons. Do you know about myDEAL.com.my or Groupons?

Make a GROCERY LIST

Cut down on expenses. Do you really need three pairs of shoes each month?

Get a free fee ATM, don't succumb to paying RM 1 or RM 0.50 per withdrawal

Negotiate when buying new car or used car

LIVE within your means

Be accountable for all your expenses

Take good care of your things, to ensure they last longer. You do that don't you?

Delay gratification

Invent SMART money goals

Have your bills mailed instead of being posted. You could save RM 5 for going paperless

Understand how compounding interest works

Always find routes to lower your interest

Prioritize your debts

Balance transfer your high interest balance to avenues with low interest

Calculate your net worth

Choose flex HOME loans

Smart Saving : Build A Firm Base

SMART SAVING!

Before you do anything make sure to set aside three to six months of your salary aside. Why?

Firstly- you can feel assured should anything/ worst happen - you need to take significant repairs whether it is your car/house or maybe even loss of job - there is fund readily available to help you whilst you deal with your shortcomings. 

Secondly - it provides you with time to make the right decisions about additional savings. For example, money invested in stock market will fluctuate up and down. Hence always invest with spare/additional savings. When you build funds on deposit means, you can begin to consider long term investment without much worry that you might need to take out during market volatility. 

Public Mutual declares dividend for 8 funds

Gross distributions declared RM98 million for eight funds for the financial year ended 30 November 2011.

Public Select Alpha-30 Fund
2.50 sen per unit

Public Far-East Alpha-30 Fund

0.25 sen per unit

Public Far-East Dividend Fund

0.50 sen per unit

Public Islamic Sector Select Fund

2.00 sen per unit

Public Islamic Alpha-40 Growth Fund

0.75 sen per unit

Public Islamic Asia Leaders Equity Fund

0.75 sen per unit

Public Islamic Balanced Fund

1.00 sen per unit

Public Islamic Infrastructure Bond Fund

 2.50 sen per unit