SM Magazine February 2014

FEBRUARY 2014

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magazine

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FEBRUARY 2014

Bring your enthusiasm, ambition, and talent to our rapidly expanding SaveMoney family. We promise a lively enviroment with many opportunities to learn and grow! At SaveMoney, we are as serious about fun as we are about work!

If you are interested in joining, please send your CV or resume to hr@savemoney.my.

(Only shortlisted candidates will be contacted.)

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FEBRUARY 2014

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FEBRUARY 2014

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FEBRUARY 2014

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FEBRUARY 2014

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FEBRUARY 2014

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FEBRUARY 2014

Telco

Plan Name

Charges Quota

12-month Total

U Mobile

UMI18

RM18

250 MB

RM216

U Mobile

UMI28

RM28

500 MB

RM336

DiGi

Mobile Internet Monthly RM30

RM30

1 GB

RM360

U Mobile

MB40

RM40

2GB

RM480

DiGi

Prepaid Smart Plan (RM50 reload) RM50

1 GB

RM600

1.5GB

RM600

Celcom Instanet Instanet Monthly

RM50

Telco

Plan

Validity Period

Charges

Internet Quota

30-day Total

12-month Total

DiGi

Mobile Internet Daily 150MB

Daily

RM3

150MB

RM90

RM1,080

Mobile Internet Weekly 100MB

Weekly

RM7

100MB

RM28

RM336

Mobile Internet Monthly 1GB

Monthly

RM30

1GB

RM30

RM360

Prepaid Smart Plan RM30 Reload

Monthly

RM30

600MB

RM30

RM360

Prepaid Smart Plan RM50 Reload

50 days

RM50

1GB

-

-

Prepaid Smart Plan RM100 Reload

100 days

RM100

2GB

-

-

UMI18

Monthly

RM18

250MB

RM18

RM216

UMI28

Monthly

RM28

500MB

RM28

RM336

UMI48

Monthly

RM48

2GB

RM48

RM576

MB68

Monthly

RM68

10GB

RM68

RM816

MB40

Monthly

RM40

2GB

RM40

RM480

MB15

15 days

RM15

500MB

RM30

RM360

MB-Day

Daily

RM5

750MB

RM150

RM1,800

Instanet Daily

Daily

RM5

500MB

RM150

RM1,800

Instanet Weekly

Weekly

RM18

1GB

RM72

RM864

Instanet Monthly

Monthly

RM50

1.5GB

RM50

RM600

Celcom Broadband Daily

Daily

RM5

500MB

RM150

RM1,800

Celcom Broadband Weekly

Weekly

RM18

1GB

RM72

RM864

Celcom Broadband Monthly

Monthly

RM38

1GB

RM38

RM456

U Mobile

Celcom Instanet

Celcom Xpax

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Telco

Plan Name

Monthly Subscription Fee

Quota

12-Month Total

DiGi

Tablet 500MB SuperSIM

RM15

500MB

RM180

U Mobile

U28

RM28

1GB

RM336

DiGi

Tablet 500MB

RM25

500MB

RM300

U Mobile Broadband Postpaid

MB40

RM40

2GB

RM480

Maxis

SurfMore 50

RM50

2GB

RM600

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FEBRUARY 2014

Telco

Plan Type

Quota

Monthly Subscription Fee

12-Month Total

DiGi

Tablet 6GB

6GB

RM99

RM1,188

DG Smart Plan 58

2GB

RM58

RM696

DG Smart Plan 88

4GB

RM88

RM1,056

DG Smart Plan 148

6GB

RM148

RM1,776

Tablet 500MB

500MB

RM25

RM300

Tablet 1GB

1GB

RM29

RM348

Tablet 1.5GB

1.5GB

RM39

RM468

Tablet 2GB

2GB

RM49

RM588

Table X45

1GB

RM45

RM540

SurfMore 50

2GB

RM50

RM600

SurfMore 75

5GB

RM75

RM900

Lite

1.5GB

RM48

RM576

Basic

4GB

RM68

RM816

Advance

6GB

RM98

RM1,176

Pro

10GB

RM138

RM1,656

U28

1GB

RM28

RM336

Unlimited 50

2GB

RM50

RM600

Unlimited 80

3GB

RM80

RM960

MB40

2GB

RM40

RM480

MB68

10GB

RM68

RM816

Maxis Celcom Mobile Broadband

U Mobile

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FEBRUARY 2014

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FEBRUARY 2014

Chinese New Year Edition

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FEBRUARY 2014

Chinese New Year Edition

CNY Expenses - Compulsory

Cheaper Price

More Expensive Price

Oranges

Fujian: RM16.88 / 4kg box

Teochew: RM45.88 / crate

Reunion Food

Simple Homecooked Meal for 10 People: RM200++

Decent 9-course Set Dinner for 10 People: RM788++

Clothes

Pasar Malam: Tee for RM5 / Bottoms for RM20

Shopping Mall: Tee for RM29 / Bottoms for RM69 or RM79

"Ang pows" Pastries

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Depending on how generous you are feeling!

Personal consumption: RM119.10

Spreading the pastry-love: RM357.30

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FEBRUARY 2014

Chinese New Year Edition

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14 SM Chinese New Year Edition

FEBRUARY 2014

Chinese New Year Edition

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FEBRUARY 2014

SM Chinese New Year Edition

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Chinese New Year Edition

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FEBRUARY 2014

SM Chinese New Year Edition

Chinese New Year Edition

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FEBRUARY 2014

SM Chinese New Year Edition

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Chinese New Year Edition

CNY Expenses - Optional

Cheaper Price

More Expensive Price

Sweet Treats

Personal consumption: RM36

Spreading the sweet love: RM144

Shoes

“Pasar Malam”: RM20 – RM40 (both men and women)

Shopping Mall: Ladies at RM100 / Men at RM120

Alcoholic Beverages

Cheaper Alternative: RM46.99 / 24 cans of Shandy

Pricier Alternative: RM94.88 / 24 cans of Beer

"Bak kwa"

Cheaper “bak kwa”: RM85 / 1kg

Pricier “bak kwa”: RM120 / 1kg

Decorative Items

- Floral: RM49.90 per 10 stalks (cheaper) - Red Lantern: Free red packets from banks (cheaper)

- Floral: RM90 per arrangement (pricier) - RM7 per lantern (pricier)

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18 16

FEBRUARY 2014 OCTOBER 2013

Haruskah Anda Mendapatkan

A

nda teringin untuk membuat permohonan kad kredit, tapi risau akan mengalami masalah hutang yang banyak? Ramai menganggap bahawa berhutang merupakan sesuatu yang tidak baik, tetapi sebenarnya

atau penyebab kejatuhan seseorang.

HUTANG YANG TIDAK TERURUS ialah punca sebenar masalah kita semua.

Hutang pada asasnya adalah sesuatu yang baik jika diuruskan dengan bijak. Tapi jika kita tidak mengambil peduli tentang hal kewangan sendiri, maka kesemua hutang ini akan bertukar menjadi hutang “buruk” (dan mimpi ngeri anda!).

Jadi, baca tips-tips berikut untuk untuk mengelakkan diri anda daripada terjebak ke dalam femonena “hutang keliling pinggang”!

Peringatan Sebelum Memilih Kad Kredit

1

Kad kredit bukan pendapatan tambahan anda! Jadi jangan menambahkan perbelanjaan harian hanya kerana anda mempunyai kad kredit.

2

Cuba untuk menggunakan kad kredit anda secara minima dan segera langsaikan bil kad kredit bulanan anda untuk mengelakkan kadar faedah berganda.

3

Berhati-hati dengan hutang bulanan kad kredit anda. Jika anda gagal untuk membayar secara penuh setiap bulan, anda kena membayar faedah 13% p.a. – 18% p.a. sebulan!

4

Kad Kredit?

Diterjemah oleh: Balkish Rosly

Patutkah Saya Mendapatkan Kad Kredit (Walaupun risiko pemilikannya tinggi?)

Seperti yang kami katakan di atas, kad kredit bukan punca masalah anda. Dengan sedikit disiplin, pemilikan kad kredit boleh memberi banyak manfaat kepada anda. Ia boleh membantu anda mengawasi perbelanjaan bulanan, menolong anda membuat bayaran sebelum gaji masuk, memberi pelbagai ganjaran dan juga boleh menolong anda menyimpan wang jika digunakan dengan bijak.

Tips

Tidak pasti kad kredit yang sesuai untuk anda?

Ragu-ragu tentang jenis kad kredit yang mana harus anda pilih? Cuba kuiz kad kredit kami di bawah! Kami akan melakukan sebaik mungkin untuk mencadangkan kad kredit terbaik untuk anda:

Soalan 1:

Adakah anda mampu melangsaikan hutang kad kredit sepenuhnya setiap bulan?

YA

Pergi ke Soalan 2 untuk mengetahui cara untuk mengurangkan kadar bayaran faedah – dan seterusnya menjimatkan wang anda!

TIDAK

Tahniah! Oleh kerana anda mampu melangsaikan hutang kad kredit setiap bulan, anda tidak perlu risau dengan kadar faedah yang dikenakan bank. Sebaliknya, anda patut mencari kad kredit yang boleh menawarkan ganjaran untuk perbelanjaan anda.

Misalnya, jika anda seorang penggemar wayang, maka carilah kad kredit yang memberikan anda ganjaran di panggung wayang.

Soalan 2: Adakah anda mampu melangsaikan hutang kad kredit sepenuhnya setiap bulan?

TIDAK YA

Cuba soalan 3.

Cari kad kredit yang mempunyai promosi faedah 0% dengan tempoh yang lama!

1. Ikut bajet bulanan dan pastikan anda langsaikan hutang kad kredit setiap bulan!

1.

anda menggunakan kad kredit untuk mendapat 2. Jika pemindahan baki 0%, pastikan anda tidak terlepas bayaran minima yang perlu dibayar sepanjang tempoh 0% itu.

• Cuba membuka akaun direct debit untuk bayaran minima setiap bulan. Dengan cara ini anda boleh mengelakkan penalti lewat bayaran / kehilang faedah pembelian 0%

Tau –

Elakkan pembayaran lewat kerana ia mungkin mengakibatkan kehilang tawaran kadar faedah rendah, pembayaran denda penalti dan/atau menjejaskan penilaian kredit dan permohonan kad kredit anda dimasa hadapan.

Memiliki Kad Kredit:

• Pada saat anda membuat bayaran lewat, kurang daripada bayaran minima atau terlupa untuk membuat bayaran, anda akan terus hilang bonus kadar 0% dan akan RM42/literdikenakan kadar faedah tertinggi untuk kad kredit jenis ini.

Untuk pelan pembayaran mudah 0% selama 12 atau 24 bulan 3. yang selalu digunakan untuk pembelian seperti telefon bimbit,

perkakas rumah, dan lain-lain, sentiasa membuat bayaran tepat pada masa pada setiap bulan.

• JIka tidak, anda akan kehilangan kadar 0% yang ditawarkan itu.

4. Pilih kad kredit yang boleh memberikan ganjaran kepada setiap perbelanjaan anda.

• Jika anda banyak berbelanja di tempat tertentu (contoh : anda selalu melancong / anda suka tengok wayang ), carilah kad kredit yang memberikan ganjaran dan keuntungan mengikut perbelanjaan anda.

Soalan 3: Adakah anda mempunyai disiplin untuk menukar kad untuk mendapat kadar faedah 0%, selalunya setiap 3 hingga 6 bulan?

TIDAK YA

Cuba soalan 4.

Cuba untuk mendapatkan kad kredit yang memberi kadar faedah 0% paling lama. Selepas itu, tukar kad kredit anda dan dapatkan pindahan baki 0% (tempoh 0% selalunya 3 hingga 6 bulan) untuk memindahkan hutang anda ke kad yang baru tanpa dikenakan caj faedah langsung.

Soalan 4: Anda perlu menggunakan kad kredit namun tidak mampu membuat bayaran penuh dan tidak mampu memohon kad baru setiap kali tempoh promosi faedah 0% tamat?

Pilihan terbaik untuk diri anda adalah untuk memohon kad kredit dengan kadar faedah paling rendah, dan elakkan kad kredit 0% .Ini kerana setelah tempoh 0% , kadar faedah akan meningkat lebih berbanding kadar faedah paling rendah kad kredit yang tersedia.

JimatCermat.my ialah laman penjimatan kewangan di Malaysia, kami sentiasa berusaha menyelidik cara-cara untuk anda menjimatkan wang tanpa mengubah cara hidup anda dan berjimat sekurang-kurangnya RM1,000 setahun!

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FEBRUARY 2014

Attractions

Date

Time

Fee/Ticket

Meet & Greet Session with the Ballonist

Daily

Morning session: From 10.30am Evening session: From 5.00pm

Free

Hot Air Balloon Show

Daily

Morning session: From 7.30am Evening session: From 5.30pm

Free

Paramotor Exhibition

Daily

Morning session: 9.00am Evening session: 4.30pm

Free

Night Glow

29th March 2014

9.00pm

Free

Tethered Hot Air Balloon Rides

Daily

Morning session: 8.00am - 11.00am Evening Session: 6.00pm - 9.00pm

RM20 per person/ride

Helicopter Joy Rides

29th - 30th March 2014

Morning session: 9.00am - 1.00pm Afternoon session: 2.00pm - 4.00pm

RM130 nett per person/ride

Kids Play Area

Daily

All day

RM5-RM15 per person/game/ride

Mountain Dew Extreme Zone

Daily

All day

RM10-25 per person/game/ride

Picnic Area

Daily

10.00am - 7.00pm

Free

Breakfast & Balloons (at picnic area)

Daily

6.30am - 10.00am

Free

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FEBRUARY 2014

SaveMoney Budget

Mid-Range

Splurge

Air Fare (return/pax)

RM350 – RM750

RM750 – RM1,650

RM1,650 – RM8,800

Accomodation 3D 2N

RM70 – RM260

RM260 – RM1,050

RM1,050 – RM2,350

Transportations

RM130 – RM250

RM250 – RM470

RM470 – RM1,200

Meals

RM150 – RM220

RM220 – RM480

RM450 – RM1,500

Attractions Entrance Fee

RM80 – RM120

RM120 – RM220

RM220 – RM340

Total for 3D 2N

RM780 – RM1,600

RM1,60 – RM3,870

RM3,870 – RM14,190

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FEBRUARY 2014

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FEBRUARY 2014

Top Product Tables

Bank Name

Product Name

FD Type

Minimum Deposit

Advertised Interest Rates

Effective Interest Rates

Interest on RM50,000

PIDM Insured

Bank Rakyat

Deposits Account-i

Standard

RM5,000

3.21% p.a.

3.21% p.a.

RM132

No

Affin Islamic Bank

General Investment Account-i

Standard

RM5,000

3.06% p.a.

3.06% p.a.

RM126

Yes

Affin Bank

Affin Bank Fixed Deposit

Standard

RM5,000

3.05% p.a.

3.05% p.a.

RM125

Yes

Maybank

Maybank Fixed Deposit Account

Standard

RM5,000

3.00% p.a.

3.00% p.a.

RM123

Yes

Hong Leong Bank

Mach FD

Standard

RM5,000

3.00% p.a.

3.00% p.a.

RM123

Yes

Bank Name

Product Name

FD Type

Minimum Deposit

Advertised Interest Rates

Effective Interest Rates

Interest on RM50,000

Bank Rakyat

Deposits Account-i

Standard

RM500

3.60% p.a.

3.60% p.a.

RM444

No

Hong Leong Bank

Mach FD

Standard

RM1,000

3.15% p.a.

3.15% p.a.

RM389

Yes

Affin Bank

Affin Bank Fixed Deposit

Standard

RM500

3.10% p.a.

3.10% p.a.

RM383

Yes

Bank of China

Bank of China Fixed Deposit Account

Standard

RM1,000

3.10% p.a.

3.10% p.a.

RM383

Yes

Affin Islamic Bank

General Investment Account-i

Standard

RM500

3.10% p.a.

3.10% p.a.

RM383

Yes

Bank Name

Product Name

FD Type

Minimum Deposit

Advertised Interest Rates

Effective Interest Rates

Interest on RM50,000

Hong Leong Bank

Mach FD

Standard

RM1,000

3.70% p.a.

3.70% p.a.

RM917

Yes

Bank Rakyat

Deposits Account-i

Standard

RM500

3.70% p.a.

3.70% p.a.

RM916.60

No

Hong Leong Bank

CNY 6-Month FD Step-Up + “CASA” Promo

Step-Up + CASA

RM5,400

3.68% p.a.

3.29% p.a.

RM816

Yes

Affin Islamic Bank

General Investment Account-i

Standard

RM500

3.26% p.a.

3.26% p.a.

RM808

Yes

Affin Bank

Affin Bank Fixed Deposit

Standard

RM500

3.25% p.a.

3.25% p.a.

RM806

Yes

Bank Name

Product Name

FD Type

Minimum Deposit

Advertised Interest Rates

Effective Interest Rates

Interest on RM50,000

Bank Rakyat

Deposits Account-i

Standard

RM500

3.80% p.a.

3.80% p.a.

RM1,437

No

Affin Islamic Bank

General Investment Account-i

Standard

RM500

3.35% p.a.

3.35% p.a.

RM1,252

Yes

Affin Bank

Affin Bank Fixed Depposit

Standard

RM500

3.35% p.a.

3.35% p.a.

RM1,251

Yes

AmIslamic Bank

Am50Plus Investment Account-i

Standard

RM5,000

3.29% p.a.

3.29% p.a.

RM1,229

Yes

Hong Leong Bank

Mach FD

Standard

RM1,000

3.25% p.a.

3.25% p.a.

RM1214

Yes

Bank Name

Product Name

FD Type

Minimum Deposit

Advertised Interest Rates

Effective Interest Rates

Interest on RM50,000

Bank Rakyat

Deposits Account-i

Standard

RM500

3.96% p.a.

3.96% p.a.

RM1,980

No

Public Bank

Super FD

Step Up + CASA

RM30,000

8.88% p.a.

3.62% p.a.

RM1,810

Yes

Affin Islamic Bank

General Investment Account-i

Standard

RM500

3.61% p.a.

3.61% p.a.

RM1,804

Yes

Affin Bank

Affin Bank Fixed Deposit

Standard

RM500

3.60% p.a.

3.60% p.a.

RM1,800

Yes

Hong Leong Bank

Mach FD

Standard

RM1,000

3.40% p.a.

3.40% p.a.

RM1,700

Yes

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PIDM Insured

PIDM Insured

PIDM Insured

PIDM Insured

4/2/2014 6:23:51 PM

23

FEBRUARY 2014

Top Product Tables

Bank

Product Name

Min. Income

Interest Rate

Effective Rate

Monthly Repayment

Interest Paid Over 1 Year

Type

Bank Rakyat

Bank Rakyat Aslah Personal Financing-I MEGA Aslah for Members

RM1,000

3.25% p.a.

5.94% p.a.

RM860

RM325

Unsecured Islamic Loan

CIMB Bank

CIMB Pembiayaan Peribadi Sektor Awam-i

RM1,500

5.25% p.a.

9.55% p.a.

RM877

RM525

Unsecured Islamic Loan

Citibank

Citibank Ready Credit PayLite

RM2,000

7.7% p.a.

13.91% p.a.

RM898

RM770

Unsecured Loan

Maybank

Maybank Personal Loan

RM2,500

8% p.a.

14.44% p.a.

RM900

RM800

Unsecured Loan

Alliance Bank

Alliance Bank CashFirst Personal Loan

RM2,000

8.88% p.a.

15.99% p.a.

RM907

RM888

Unsecured Loan

Bank

Product Name

Min. Income

Interest Rate

Effective Rate

Monthly Repayment

Interest Paid Over 3 Years

Type

Bank Rakyat

Bank Rakyat Aslah Personal Financing-I MEGA Aslah for Members

RM1,000

3.25% p.a.

6.13% p.a.

RM305

RM975

Public Bank

Public Bank BAE Personal Financing-i

RM2,000

3.4% p.a.

6.41% p.a.

RM306

RM1,020

Secured Islamic Loan

MBSB

MBSB Exec-i

RM2,667

3.5% p.a.

6.59% p.a.

RM307

RM1,050

Unsecured Islamic Loan

CIMB Bank

CIMB Pembiayaan Peribadi Sektor Awam-i

RM1,500

5.25% p.a.

9.74% p.a.

RM322

RM1,575

Unsecured Islamic Loan

Kuwait Finance House

KFH Personal Financing-I Government Sector

RM1,000

5.99% p.a.

11.04% p.a.

RM328

RM1,797

Unsecured Islamic Loan

Product Name

Min. Income

Interest Rate

Effective Rate

Monthly Repayment

Interest Paid Over 5 Years

3.88% p.a.

7.19% p.a.

RM199

RM1,940

Unsecured Islamic Loan

Bank

Unsecured Islamic Loan

Type

Bank Rakyat

Bank Rakyat Aslah Personal Financing-I PRIMA Aslah

RM1,000

MBSB

MBSB Exec-i

RM2,667

4.1% p.a.

7.58% p.a.

RM201

RM2,050

Unsecured Islamic Loan

Public Bank

Public Bank BAE Personal Financing-i

RM2,000

4.99% p.a.

9.11% p.a.

RM208

RM2,495

Secured Islamic Loan

CIMB

CIMB Pembiayaan Peribadi Sektor Awam-i

RM1,500

5.25% p.a.

9.56% p.a.

RM210

RM2,625

Unsecured Islamic Loan

Kuwait Finance House

KFH Personal Financing-I Government Sector

RM1,000

5.99% p.a.

10.8% p.a.

RM217

RM2,995

Unsecured Islamic Loan

Product Name

Min. Income

Interest Rate

Effective Rate

Monthly Repayment

Interest Paid Over 1 Year

Bank

Type

Citibank

Citibank Ready Credit PayLite

RM2,000

7.7% p.a.

13.91% p.a.

RM898

RM770

Unsecured Loan

Maybank

Maybank Personal Loan

RM2,500

8% p.a.

14.44% p.a.

RM900

RM800

Unsecured Loan

Alliance Bank

Alliance Bank CashFirst Personal Loan

RM2,000

8.88% p.a.

15.99% p.a.

RM907

RM888

Unsecured Loan

Al Rajhi Bank

Al Rajhi Personal Financing-i

RM2,000

8.99% p.a.

16.18% p.a.

RM908

RM899

Unsecured Islamic Loan

AEON

AEON iCash for AEON Credit Card Holders

RM2,000

9.6% p.a.

17.25% p.a.

RM913

RM960

Unsecured Loan

Min. Income

Interest Rate

Effective Rate

Monthly Repayment

Interest Paid Over 3 Years

Bank

Product Name

Type

Citibank

Citibank Ready Credit PayLite

RM2,000

7.7% p.a.

14% p.a.

RM342

RM2,310

Unsecured Loan

AmBank

AmBank AmMoneyLine

RM2,000

8% p.a.

14.51% p.a.

RM344

RM2,400

Unsecured Loan

Maybank

Maybank Personal Loan

RM2,500

8% p.a.

14.51% p.a.

RM344

RM2,400

Unsecured Loan

OCBC

OCBC Progres-i

RM2,500

8.5% p.a.

15.36% p.a.

RM349

RM2,550

Unsecured Islamic Loan

Alliance Bank

Alliance Bank CashFirst Personal Loan

RM2,000

8.88% p.a.

16% p.a.

RM352

RM2,664

Unsecured Loan

Min. Income

Interest Rate

Effective Rate

Monthly Repayment

Interest Paid Over 5 Years

Bank

Product Name

Type

AmBank

AmBank AmMoneyLine

RM2,000

8% p.a.

14.07% p.a.

RM233

RM4,000

Unsecured Loan

Maybank

Maybank Personal Loan

RM2,500

8% p.a.

14.07% p.a.

RM233

RM4,000

Unsecured Loan

OCBC

OCBC Progres-i

RM2,500

8.5% p.a.

14.87% p.a.

RM238

RM4,250

Unsecured Islamic Loan

Al Rajhi Bank

Al-Rajhi Personal Financing-i

RM2,000

8.99% p.a.

15.64% p.a.

RM242

RM4,495

Unsecured Islamic Loan

AEON

AEON iCash For AEON Card Holders

RM2,000

9.6% p.a.

16.59% p.a.

RM247

RM4,800

Unsecured Loan

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