Faedah Program Khidmat Masyarakat' title='Faedah Program Khidmat Masyarakat' />Garis panduan perancangan. Untuk melabur di dalam skim ini anda boleh ke bankbank yang menyediakan khidmat pelaburan tersebut sebagai contoh Maybank atau pun RHB, dan anda juga boleh ke. Faedah Program Khidmat Masyarakat' title='Faedah Program Khidmat Masyarakat' />Sebagai Customer Care, anda bakal ditugaskan untuk memberi taklim tpenerangan, khidmat nasihat, dan tunjuk ajar kepada pelanggan y. Layanan mesra amat. Speech by Chief Minister of Pinang Pesta Tanglung 2017. Oktober 2017 Tempat Letak Kereta RT, Taman Reservior, Jalan Air Puteh. Selamat pagi dan salam sejahtera. Faedah yang akan diperolehi oleh OKU yang berdaftar dengan Jabatan Kebajikan Masyarakat yang disediakan oleh pelbagai agensi di Malaysia. Make Prudent Financial Management A Way Of Life. Your 2. 0s is understandably a heady decade filled with so many exciting things to do and see, it feels as if you might not have enough time or funds to complete your wish list before 3. However,since time is on your side, its a critical factor which should be taken into consideration when it comes to managing your finances. If youd like to pull ahead in the rat race to financial stability, then making sure you have an early start in investing and saving is just the way to go. On that note, weve come up with some of the dumbest things which you could be doing right now to jeopardise your efforts. Buying all the wrong things. Is that tub of premium ice cream about to purchase a need or a want Since its a food item, it should be marked as a need rightIt can be difficult to differentiate between the two, especially when youre faced with so many enticing sales promotions. However, its important to be aware of your cash flow, so as to ensure that more money is coming in instead of going out. This means that youve got to have a simple budget planned out, one that will help you channel your money effectively to the right places. Once youve set aside funds for all your needs housing,food and water, health and hygiene products, basic clothing, as well as miscellaneous items like student loan payments plus some savings for a rainy day, then only should you start to consider which of your wants are worth spending on. Whats the solution If youre trying to stop your money from going to all the wrong places, you might need a helping hand. With your smartphone, that is. Apps like My. Tabung by Bank Negara Malaysia come with varying sets of functions that are designed to serve range of people, from the financially savvy to the first timer. Living beyond your means. When you receive your first pay cheque, it can be a rewarding and liberating feeling. Many people would choose to blow it on themselves and their loved ones, rationalising that they deserve it. As you work your way up the career ladder and you get increments, your spending will tend to snake upwards as well. This will cause what is known as a lifestyle inflation where you heedlessly live up to the ceiling of what your current income level is, thus forgetting that you need to save for the future as well. Sadly, there is already official data from the Employees Provident Fund EPF which shows that more than half of Malaysians do not have financial assets of any kind, and one in three Malaysians do not have a savings account. Whats the solution Set up an account or two in a bank that is separate from the one that your pay cheque is cashed into. This will be your savings accounts, which you can programme to automatically receive a percentage 1. You can also do the same for any investment plans that youve signed up for. As soon as you get an increment, be sure to increase the contribution by the same amount, and youll find that you would never need to adjust your budgetUsing credit cards in an emergency. Its very easy to feel invincible when youre in the prime of your youth blessed with generally good health and tonnes of energy, youre eager to live each day to its fullest. As such, you forget that emergency situations will creep up on you when you least expect it car breakdowns, medical emergencies, or losing your job in an economic downturn. Any of these could quickly become a very expensive nightmare. According to a news report in The Star which echoes this worrying trend, it states that only 6 of Malaysians have enough savings to last them six months. Datuk Othman Aziz, the Deputy Finance Minister, was quoted as saying, It boils down to attitude as most are unable to differentiate between their needs and wants. Low financial management literacy and poor saving attitude were the reasons why most Malaysians lacked sufficient savings. Not putting aside liquid cash for a rainy day and relying solely on your credit cards will ultimately land you deep in debt, or dipping into your long term savings account, which should not be touched at all. Whats the solution Make sure you create an emergency fund thats easily accessible as soon as possible. The general rule of thumb is what the news report states to have enough savings to last at least six months, preferably deposited in a high yield savings account which may allow you to earn a higher than average interest. Also, buy a few good insurance plans that you know you would need like health, automobile and disability. These may really save the day should you ever find a hefty bill suddenly hoisted upon you. Not establishing a good credit rating. Never postpone paying off your debt or bills you would be hurting your credit health or CCRIS more than you think. CCRIS Central Credit Reference Information System is a computerised system that automatically processes credit data received from financial institutions and synthesises all information into credit reports. These reports are then made available to financial institutions upon request. Each time you make a new application for a loan, the financial institution will check your payment history through CCRIS. They will use the information to decide whether to give you a loan or not. Other than the Credit Bureau, there are also privately owned companies that provide their clients including financial institutions with information on a borrowers repayment record and status of legal actions, if any. It is evident that building a good credit report is essential as it will rely on your CCRIS status for you to be able to make big purchases, such as properties, which will grow your wealth faster. Whats the solution You can start off by selecting the right credit card that is suited to your needs,as this is a good stepping stone. Make sure to pay it off in full at the end of each month to avoid debt and keep your track record clean. One way to prevent overcharging is to refrain from making a purchase that you wouldnt normally fork out cash for. Nevertheless, if you have incurred any kind of debt, the best way to deal with it is to pay more than the stipulated minimum amount. This way, youd be able to reduce the length of your repayments and the amount you pay in interest. In addition, with almost everything performed online nowadays, the payment of bills is just an easy click away. You can choose automated payments for fixed costs your student loan, phone, internet and insurance so that you dont have to strive to remember them every month. Assuming that you cant save for retirement yet. This is a very dangerous assumption to have since people in their 2. Reality check if you dont change your bad spending habits and start savinginvesting now, you might just miss the retirement savings boat completely. A news report in The Star confirms that this is unfortunately the case in Malaysia. According to the EPF once more, a member must have at least RM2. As of 2. 01. 5, two thirds of members aged 5. RM5. 0,0. 00 or less in their accounts. If this isnt a cause for concern, you might want to get a head check. Financial planners have described this situation as a financial timebomb because by 2. Whats the solution Since a contribution to your EPF account is mandatory, make sure that you do not opt for the reduced statutory contribution rate for employees, which went from 1. Armin Van Buuren Shivers Rar. March 1 2. 01. 6. Remember, youre not losing that 1.