Tag Archives: Education

Bila korang dah tiada!

Kenapa korang kerja setiap hari? Dari hari Isnin, sampai laa Jumaat..kerja… kerja…kerja! untuk dapat pendapatan dan menyediakan yang terbaik untuk family…cari duit untuk simpanan pendidikan anak-anak, persediaan untuk persaraan, rumah impian dan macam-macam lagi…

Tapi apa yg akan terjadi pada family, jika pendapatan ni hilang tiba-tiba? Dah tentu akan menghadapi masalah kewangan yg meruncing..perbelanjaan isi rumah terganggu, outstandings loan, simpanan pendidikan anak-anak juga terhenti, perbelanjaan berubatan dan pelbagai lagi masalah kewangan akan datang menjelma…

Think seriously, nak biarkan family hadapi semua ni tanpa apa-apa persediaan? Nak biarkan family teruskan kehidupan dalam keadaan takut dan sentiasa risau? Nak tinggalkan bebanan hutang kepada family dan biarkan mereka menanggungnya? Atau biarkan mereka hidup dalam keadaan meminta-minta? Keputusan terletak dalam tangan korang…

“LOVE without guarantee is just an empty promise”  Korang boleh janji macam-macam dengan isteri dan anak-anak..nak beli itu…nak beli ini…nak hantar ke IPTA, nak beli rumah idaman..tetapi tu semua kalau korang ada bersama mereka, cam mana kalau korang dah tak ada? Adakah janji-janji ini masih terjamin dan mereka boleh teruskan hidup tanpa tekanan kewangan?

Cam mana nak menjamin kedudkan kewangan ni? Jawapannya life insurance or takaful…dgn persediaan korang dgn life insurance/takaful ni, with or without you…apa yg korang dah rancangkan Insya Allah akan berjalan seperti biasa..Life insurance/takaful enables you to keep your promise, create emergency fund, free ur family from worry and fear, bukankah yg sentiasa korang mahukan?

Jadi, untuk memastikan semua perancangan korang berjalan seperti yg dirancang sama ada korang ada atau tidak, sediakanlah perlindungan life insurance/ takaful segera. Pastikan simpanan sentiasa berjalan, dana pendidikan terjamin, living standard kekal seperti biasa, medical security ada…pinjaman-pinjaman semua boleh dibayar apabila korang tiada lagi disisi..Insya Allah.

Ok, takat ni dulu sharing aku….beringatlah sebelum kena! 🙂

“Tinggalkan anak dan isteri kamu dengan kesenangan adalah lebih baik daripada meninggalkan mereka dalam keadaan meminta-minta”

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Back to school!!! Again???

Kembali ke sekolah? sekali lagi? hahahaha…tajuk gempak jer…memang kembali ke sekolah, tapi kali ni bukan aku yang sekolah, tapi mnghantar anak pulak. Selepas 12 tahun meninggalkan zaman sekolah, kali ini kembali semula ke sekolah untuk uruskan anak pulak…..My 1st doter masuk tahun 1 pada sesi persekolahan 2011 bermula pada 3 Januari 2011. So, this is 1st experience sending kids to school… 😉

Macam-macam ragam dapat dilihat pada 2-3 hari awal persekolahan ni. Seronok tengok ragam budak-budak, sambil-sambil tu, teringat pulak zaman-zaman sekolah dulu-dulu..hehehe…….

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Menunggu Penempatan Kelas...

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Dalam kelas

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Waktu Rehat

Selamat memulakan sesi persekolahan 2011!!! 🙂

PRUmy child…Dari dalam kandungan, bayi, kanak-kanak seterusnya dewasa…

PRU mychild

Keratan Akhbar PRU mychild

Sepintas Lalu

PRUmy child memberikan anda :

1. PERLINDUNGAN LENGKAP untuk setiap peringkat hidup anak anda… SEBELUM LAHIR LAGI
2. PENINGKATAN pada pelan anak anda dengan pelbagai perlindungan BARU & DIPERLUAS*
3. PERLINDUNGAN TAMBAHAN untuk IBU BAPA*
4. Menyemai benih ke arah DANA PENDIDIKAN YANG TERJAMIN untuk anak anda.

Manfaat perlindungan meliputi manfaat kesihatan, kemasukan ke hospital, kemalangan dan sakit kritikal

 

Siapa yang boleh mengambil pelan PRUmy child plan?

Anda boleh mengambil pelan ini untuk bayi anda yang belum lahir seawal usia kandungan 18 minggu, atau untuk anak anda yang berumur di antara 1 – 18 tahun pada hari lahirnya yang berikut. Ibu bapa, yang mestilah berumur di antara 18 – 60 tahun, memiliki polisi ini dan boleh mengubahsuai polisi ini sebagaimana yang mereka rasa sesuai bagi manfaat anak.

Lindungi masa depan anak anda sekarang!

Untuk bantuan peribadi sila hubungi Perancang Kewangan Prudential di 019-2666654, emel fadlihalim@prupartner.com.my.com.my atau tinggalkan Contact No di komen entry ini dan anda akan dihubungi secepat mungkin.

Anda juga boleh dapatkan keterangan lanjut dari Brochure PRU mychild di sini

*This information is for illustrative purposes only. You are advised to refer to the terms and conditions in the policy document for details of the important features of the plan.

Renungan Bersama – Sabda Rasulullah s.a.w yang bermaksud: “Tinggalkan anak dan isteri kamu dengan kesenangan adalah lebih baik daripada meninggalkan mereka dalam keadaan meminta-minta”. (Riwayat: Bukhari)

Plan ahead for the children’s education

Saving for your child’s education fund is a long-term commitment, so be realistic about what you can afford. – File photo

WITH inflation and the cost of education going up year after year, parents need to plan ahead if they want to send their children for further studies.

A child education policy should have medical protection as well as savings, says Andrew Liao, a senior wealth planner with Prudential Assurance Malaysia Bhd.

A lot of people place savings as low priority, thinking they only need to worry about it when the child is older. In fact, it is a long-term commitment and one can begin, painlessly, by putting aside a small amount monthly, until it becomes a habit to save.

“When a child is born, you should have both medical plus education insurance,” Liao adds. “You can design a plan for protection, and add to it later according to your budget.”

Now, there is even a policy which protects both the foetus and the expectant mother.

Liao emphasises the need to look at protection for the parents as well because, should anything happen to them, their child will be protected. “It does not have to cost a lot. You can start with as little as RM100 a month, and adjust the policy as the years go by.”

What are the savings and investment tools available for those who want to finance their children’s tertiary education?

Normal savings plans, fixed deposits and unit trusts are the more common options. There is also the National Education Savings Scheme (SSPN), designed especially by the National Higher Education Fund Corporation (www.ptptn.gov.my/web/english/FAQ-english/SSPN).

Then there is the child education policy. Basically, this is a life insurance plan designed to provide the child with a sum of money for university or college.

By combining protection with savings, it is one up on the savings plan. Besides, there is the “continuity” factor.

An ordinary savings plan stops should something unfortunate happen to the parent paying for it. But with child education policies, most insurers offer a payor rider. This means future premiums will be paid for if that parent becomes disabled, or dies.

Thus the child’s education fund is secured and will continue to grow. And when the policy matures, she will have the financial means to further her studies.

In view of how the cost of higher education is expected to increase over the years (see chart above), starting early will give parents more time to accumulate enough funds for their children.

But what are the things they need to know before signing up for a policy?

First, decide where you plan to send your child (a local university or abroad?), the field of study and how long the course will take. This will influence the expected cost of education. Often, parents fail to save enough and have to resort to loans when the time comes.

Determine your budget. Decide the amount you can set aside monthly, or annually, and ensure that you can afford the premiums in the long run.

Factor in inflation and escalating costs for tertiary education. Review your policy every one to two years because as the economy changes, your financial situation may change too.

Diversify your financial portfolio. If possible, get a wealth planner to help you find the best products for your needs. Having different kinds of investments – which give different returns – means better protection because you won’t have to depend on just one form of investment.

Finally, buying a child’s education fund entitles you to tax relief of up to RM3,000 for the payment of premiums.

Visit the Inland Revenue Board’s website (www.hasil.gov.my) to see how you can save for your child’s education and pay less tax, too.

Credit : thestar (Sunday November 21, 2010)