Here is the list of brochures that the bursa has provided free for you:
1. Exchange Traded Funds (ETFs)
2. FTSE Bursa Malaysia Large 30 Index
3. ABF Malaysia Bond Index Fund (ABFM)
1. Gather all your bills together, write down each account’s total balance and its corresponding monthly payment;
2. Rank the payments in order of lowest to highest. You will pay off your bills in this order;
3. The amount you have determined to help start your plan is the extra amount you should now pay to bill number one every month until it is paid off. You have to keep making the regular payments too; and
4. After you pay off this debt, take the initial extra pay-off amount plus the amount you were paying to bill number one and apply it to bill number two. Continue this process for every bill in the order it is ranked.
May the Force be with you.
Other’s people money is a leverage tool. Credit card. Personal loans. Overdraft. Share margin facilities. Business on credit. Thus, please use it wisely. Leverage is always a double edge sword.
If you know how to manage a good debt and bad debt, you’ve found a way to heaven - err.. worldly heaven. But, if you’re not, welcome to the hell.
“If you think that nobody cares whether you’re alive, try missing a couple of car payments” - Earl Wilson
Here is the 5 signs that you’re in credit card troubles :
1. You exceed or frequently approach the credit limit on your accounts
2. You pay bills in 60 - 90 days instead of the usual 30 days
3. You are unable to meet the minimum repayment amount on your credit cards
4. Your various credit cards allow you to juggle payment of bills
5. You receive calls from creditors
Well, if you have all these signs, you may interested to read the previous article on how to settle you credit card debt.
What is meant by independence?
Basically it is a power to do anything that we want without other people interference. You have a freedom. You have a choice.
I’m sure each of you want to get a financial freedom. You can do whatever you like. No more bad Monday. You’re doing your work because you love to do it. You can do more social works. You can donate more. You can help other people as much as you like.
Most people define financial freedom as free of debt. Especially bad debt. Credit card debt. Personal loan debt. Education loan debt. Car loan debt. Housing loan debt. You want to settle these debts as soon as possible.
By having a debt settlement plan it could give you peace of mind. Maybe you should start somewhere now by declaring your independence from debt and she is giving you few steps to be followed:
Read this blog: Declare Your Independence From Debt!
Happy Independence Day!
p.s. How do you want to know that you’re in credit card troubles now? Wait for my next post 
Complaints about insurance (especially claims that are not honoured) are very common. These involved for example, motor vehicle owners being forced to buy non-motor insurance (such as personal accident) as a prerequisite for obtaining or renewing motor insurance cover, delay in issuing policies or payment of claims and also rejections due to non-disclosure of material facts.
To avoid discovering only when you you make a claim that it isn’t covered, after especially paying your premiums for years, take some commonsense steps: