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
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
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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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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FEBRUARY 2014
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