JULY 2015
magazine
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JULY 2015
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JULY 2015
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JULY 2015
1.
2.
3.
Plan
Tenure
Minimum Balance Transfer
Monthly Interest Rate
A
3 months
RM500
0.3%
B
6 months
RM1,000
0.3%
C
9 months
RM1,000
0.3%
D
12 months
RM1,000
0% for first 6 months and subsequent months at 0.3%
E
24 months
RM1,000
0% for first 12 months and subsequent months at 0.375%
F
36 months
RM2,000
0.375%
6
JULY 2015
SURVIVAL ITEMS
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We all can get carried away with credit card swiping and sometimes don't realize that we're sinking deeper and deeper into dangerous debt. With BSN's flexible Balance Transfer plans, you can now survive the high waves of interest rates and strategize your financial safety.
Zero percent (0%) interest rate up to 12 months! Minimum transfer amount as low as RM500. Flexible plans to suite your financial needs. Long repayment period as long as 36 months! No processing or start-up fees required.
The more you transfer, the more you save and BSN will take care of the rest.
7
JULY 2015
SaveMoney Raya Edition
8
JULY 2015
SaveMoney Raya Edition
9
JULY 2015
SaveMoney Raya Edition
10
JULY 2015
SaveMoney Raya Edition
11
JULY 2015
SaveMoney Raya Edition
Price Item(s)
Tesco (Kajang)
Aeon (Subang)
Giant (Bangi)
Mydin (Subang)
Baju Melayu (men)
Range: RM49.90 to RM69.90
Range: RM59.00 to RM69.00 Range: RM59.00 to (30% off) RM69.00
Baju Kurung/Kebaya (women)
Range: RM49.90 to RM99.90
Range: RM69.00 to RM109.00 (30% off)
RM24.00 to RM79.99
Range: RM29.90 to RM329.90
Tudung
Range: RM9.90 to RM13.90
N/A
Range: RM4.50 to RM6.00
Range: RM7.90 to RM39.90
Raya Home Deco
Range: RM3.50 to RM9.99
Range: RM6.90 to RM10.90
N/A
Range: RM1.50 to RM12.90
Laundry Detergent (Complete Dynamo Color Care Concentrated Liquid Detergent 4.4kg)
RM19.90
RM27.80
RM19.09
RM21.50
Floor Concentrate (Wings Daia Aromatherapy Calming Lavender Floor Cleaner 2L)
RM10.29 (online price)
RM9.00
RM9.53
RM7.50
Fabreeze with Ambi Pur Anti Bacterial Fabric Refresher 800ml
RM20.75 (online price)
RM17.90
N/A
RM14.90
Dishwashing detergent (Glo Lemon Concentrat- RM5.25 (online price) ed Dishwashing Liquid 900ml)
RM8.25
RM5.50
RM4.71
Kuih Raya
Range: RM7.99 to RM22.00
Range: RM6.50 to RM16.90 Range: RM10.99 to (20% off) RM18.99
Range: RM7.99 to RM16.90
Raw Chicken (whole bird)
RM6.99 (online price)
RM7.29 (per kg)
Range: RM11.00 to RM12.00
RM6.99 (per kg)
Rice (Jasmin Super Special Tempatan 5% Rice 10kg)
RM25.99
RM25.90
RM25.99
RM25.80
Cooking Oil (Knife Cooking Oil 5kg)
RM14.70 (online price)
RM14.70
RM13.35 (Seri Murni)
RM14.70
Fresh Vegetables (local leafy/per 100g)
Range: RM0.95 to RM1.59
Range: RM0.80 to RM9.90
Range: RM1.33 to RM2.46
Range: RM0.69 to RM7.49
Nescafe (Nescafe 3 in 1 Original Blend & Brew Premix Coffee 30sticks x 20g)
RM11.89
RM9.90
RM12.99
RM13.45
Cordials (local)
Range: RM13.69 to RM21.59 (2L & 5L)
Range: RM5.75 to RM9.55
Range: RM6.99 to RM10.49
RM5.95 to RM7.90 (2L)
Milo (2kg softpack)
RM33.99 (online price)
RM31.90
RM32.99
RM31.99
Cornflakes (basic, all brands)
Range: RM7.50 to RM7.95 (500g)
Range: RM8.45 to RM8.75 (500g)
RM7.49
Range: RM6.89 to RM7.99 (500g)
Maggi instant noodles (curry, 5 pack)
RM3.39
RM3.45
RM4.19
RM3.79
Range: RM49.90 to RM69.90
12
JULY 2015
SaveMoney Raya Edition
Item(s)
Tesco (Kajang)
Aeon (Subang)
Giant (Bangi)
Mydin (Subang)
Ambience
Fairly atmospheric
Felt just like Carrefour
Average
Neat and clean
Customer Service/friendliness of staff
A few exchanged smiles; that’s it.
I did not see anyone save for the cashiers.
Average
You need to chase them down to ask a question.
Availability of parking
Ample
Ample
Available
Fight to the death or come before 8.30am on a weekend
Availability of shopping trolleys, price scanners and other conveniences
Ample
Enough
Available
A little sparse. Could use more
Availability of ATM
Right at the entrance
Available
Available
Available
Variety in general
Limited items; many still in boxes
Fair. Only the Raya clothes were limited.
Good
Fair. Some shelves appeared empty
Quality of fresh produce
Fairly acceptable
Vegetable freshness not consistent. A lot wilted but some very fresh.
Good
Fair
1.
2.
3.
4.
13
JULY 2015
SaveMoney Raya Edition
1.
2.
14
JULY 2015
SaveMoney Raya Edition
1. 2.
3.
15
JULY 2015
SaveMoney Raya Edition
16
JULY 2015
SaveMoney Raya Edition
17
JULY 2015
SaveMoney Raya Edition
18
JULY 2015
19
JULY 2015
Place / Year
Buying tickets today for this Raya period (16 – 19 July 2015)
Buying tickets today for next Raya (6-10 July 2016)
Price Difference
KL – KB
RM 597. 02
RM 308. 02
RM289
KL – Penang
RM 377. 61
RM 200. 51
RM177.10
KL – JB
RM 256. 99
RM 199.00
RM57.99
KL – K. Kinabalu
RM 597. 28
RM 597. 28
No difference.
20
JULY 2015
21
JULY 2015
4 FINANCIAL ALTERNATIVES TO
DUIT RAYA Who doesn't love a fat sampul of duit raya on Aidilfitri? The culture of giving duit raya has been around for as long as I can remember. The beauty of the act itself is something that will always be special. But if you are keen to try a new way of giving this Raya; we've come up with a few ways you can do that. Here are 4 different ways to give out duit raya to your loved ones and at the same time help lay a brick for their future.
Unit Trusts
SSPN Account
Savings Account
Fixed Deposit
For a parent expecting a child; planning to have a child; or has recently had a child; giving out duit raya to their offspring in the form of a Unit Trust is a great idea.
Our friends at SaveMoney have an excellent guide on the SSPN account in case you weren't familiar with the concept. The SSPN account is a savings account created by PTPTN for the purpose of saving for your child's education.
Opening a savings account for children will help nurture the saving habit beyond the coins in their coin box.
For those thinking of a really big duit raya offering - for a child, a parent or a spouse - consider the benefits of a good fixed deposit. Many fixed deposits can be started with a minimum fund of RM500.
It does not have to be a whopping RM1,000. Even an RM20 fund will help them kick-start saving for their newborn. This will serve as a starter to encourage the parents to save more for their child. The Unit Trust account will also bring in more capital gain when the child grows up. It's a gift that keeps on giving!
In order to obtain funding for education in future from PTPTN; a student will need to have an SSPN account. By opening an SSPN account, the child will have a gift that will serve him in the future. The introduction of an education fund is the best gift you can give a child.
The parents of the child may already have a savings account but you could give this as an additional pot where the child can not only save his other collected monies he can feel like a real grown up managing a bank account all by himself!
As far as gifts go; this is a good gift to ensure the money is available for use but also provides the interest earning option to the recipient with no fuss or fund knowledge required of the recipient nor the giver.
Selamat Hari Raya Aidilfitri and Maaf Zahir Batin! Credit Cards + Personal Loans + Home Loans + Car Loans + Insurance + Internet. This was brought to you by Yasier Mahayudin from RinggitPlus.com. RinggitPlus compares credit cards, personal loans and home loans to help Malaysians get more for their money. Disclaimer: This article is for information only. Nothing in this article is an endorsement, recommendation or suggestion of any banking, monetary or financial institution, product, service or security, in any form whatsoever. It is not, and shall not be construed as, an offer (that is capable of being accepted) of any credit card, or a solicitation or invitation to purchase or otherwise deal with any credit card issuer. The reader must obtain independent and appropriate financial, legal and other advice before dealing with any credit card issuer. This article does not constitute financial, legal or other advice. The views expressed are the writer's own, and do not reflect or incorporate the views of any entity within the Saving Plus Sdn Bhd entities. Nothing in this article binds or incorporates the views of any Entity, or creates legal relationships between the reader and any Entity.
22
JULY 2015
Top Product Tables
Bank
Product Name
Min. Income
Interest Rate
Effective Rate
Monthly Repayment
Interest Paid Over 1 year
Type
Bank Rakyat
Bank Rakyat Pembiayaan Peribadi-i Rakan Pintar
RM1,000
3.27% p.a.
5.98% p.a.
RM861
RM332
Unsecured Islamic Loan
Bank Islam
Bank Islam Flat Rate Personal Financing-i Package
RM2,000
4.99% p.a.
9.09% p.a.
RM875
RM500
Unsecured Islamic Loan
Alliance Bank
Alliance Bank CashFirst Personal Loan
RM3,000
6.88%p.a.
12.47%p.a.
RM891
RM692
Unsecured Loan
Agrobank
Agrobank AgroCash-i
RM3,001
6.79%p.a.
12.31%p.a.
RM890
RM679
Unsecured Islamic Loan
Mach by Hong Leong Bank
Hong Leong Mach IOU Personal Loan
RM2,000
7.00%p.a.
12.68%p.a.
RM892
RM704
Unsecured Loan
Bank
Product Name
Min. Income
Interest Rate
Effective Rate
Monthly Repayment
Interest Paid Over 3 years
Type
Bank Rakyat
Bank Rakyat Pembiayaan Peribadi-i Rakan Pintar
RM1,000
3.27% p.a.
6.18% p.a.
RM305
RM980
Unsecured Islamic Loan
MBSB
MBSB Personal Financing-i
RM3,500
3.40% p.a.
6.42%p.a.
RM306
RM1,020
Unsecured Islamic Loan
Ambank Islamic
AmBank Personal Financing-i
RM1,500
4.30% p.a.
8.05%p.a.
RM314
RM1,304
Unsecured Islamic Loan
Public Islamic Bank
Public Bank BAE Personal Financing-i
RM2,000
4.99% p.a.
9.29% p.a.
RM319
RM1,484
Unsecured Islamic Loan
Bank Islam
Bank Islam Flat Rate Personal Financing-i Package
RM2,000
4.99% p.a.
9.29% p.a.
RM319
RM1,484
Unsecured Islamic Loan
Bank
Product Name
Min. Income
Interest Rate
Effective Rate
Monthly Repayment
Interest Paid Over 5 years
Type
MBSB
MBSB Personal Financing-i
RM3,500
3.40% p.a.
6.36%p.a.
RM195
RM1,700
Unsecured Islamic Loan
Bank Rakyat
Bank Rakyat Pembiayaan Peribadi-i Rakan Pintar
RM1,000
3.70% p.a.
6.89%p.a.
RM198
RM1,860
Unsecured Islamic Loan
Ambank Islamic
AmBank Personal Financing-i
RM1,500
4.30% p.a.
7.94%p.a.
RM203
RM2,150
Unsecured Islamic Loan
Public Islamic Bank
Public Bank BAE Personal Financing-i
RM2,000
4.99% p.a.
9.14%p.a.
RM208
RM2,460
Unsecured Islamic Loan
Bank Islam
MBSB Pembiayaan Peribadi-i Ekspres
RM2,000
4.99% p.a.
9.14%p.a.
RM208
RM2,460
Unsecured Islamic Loan
Bank
Product Name
Min. Income
Interest Rate
Effective Rate
Monthly Repayment
Interest Paid Over 1 year
Type
Bank Rakyat
Bank Rakyat Personal Financing-i Private
RM2,000
6.16%p.a.
11.18%p.a.
RM885
RM620
Unsecured Islamic Loan
Alliance Islamic Bank
Alliance Bank CashVantage Personal Financing-i
RM3,000
6.88%p.a.
12.47%p.a.
RM891
RM692
Unsecured Islamic Loan
Mach by Hong Leong Bank
Hong Leong Mach IOU Personal Loan
RM2,000
7.00%p.a.
12.68%p.a.
RM892
RM704
Unsecured Loan
Bank Islam
Bank Islam Personal Cash Line-i
RM1,500
7.85%p.a.
14.19%p.a.
RM899
RM785
Secured Islamic Loan
Ambank Islamic
AmBank AmMoneyLine Facility-i
RM2,000
8%p.a.
14.45%p.a.
RM900
RM800
Unsecured Islamic Loan
Bank
Product Name
Min. Income
Interest Rate
Effective Rate
Monthly Repayment
Interest Paid Over 3 years
Type
Bank Rakyat
Bank Rakyat Personal Financing-i Private
RM2,000
6.16%p.a.
11.36%p.a.
RM329
RM1,844
Unsecured Islamic Loan
BSN
BSN Sandaran Sijil Simpanan Tetap
RM1,000
6.45%p.a.
11.70%p.a.
RM332
RM1,952
Secured Loan
Alliance Bank
Alliance Bank CashFirst Personal Loan
RM3,000
6.88%p.a.
12.62%p.a.
RM335
RM2,060
Unsecured Loan
Mach by Hong Leong Bank
Hong Leong Mach IOU Personal Loan
RM2,000
7.00%p.a.
12.83%p.a.
RM336
RM2,096
Unsecured Loan
Citibank
Citibank Personal Loan
RM4,000
7.90%p.a.
14.38%p.a.
RM344
RM2,370
Unsecured Loan
Min. Income
Interest Rate
Effective Rate
Monthly Repayment
Interest Paid Over 5 years
Bank
Product Name
Type
BSN
BSN Sandaran Sijil Simpanan Tetap
RM1,000
6.45%p.a.
11.60%p.a.
RM220
RM3,225
Secured Loan
Alliance Bank
Alliance Bank CashFirst Personal Loan
RM3,000
6.88%p.a.
12.31%p.a.
RM224
RM3,440
Unsecured Loan
Bank Rakyat
Bank Rakyat Personal Financing-i Private
RM2,000
6.89%p.a.
12.32%p.a.
RM224
RM3,440
Unsecured Islamic Loan
Mach by Hong Leong Bank
Hong Leong Mach IOU Personal Loan
RM2,000
7.00%p.a.
12.50%p.a.
RM225
RM3,500
Unsecured Loan
Citibank
Citibank Personal Loan
RM4,000
7.90%p.a.
13.96%p.a.
RM233
RM2,370
Unsecured Loan
23
JULY 2015
Top Product Tables
Bank Name
Product Name
FD Type
Minimum Deposit
Advertised Interest Rates
Effective Interest Rates
Interest on RM50,000
Depositor’s Insurance?
Affin Islamic Bank
Affin Islamic Term Deposit Plus-i
Standard
RM10,000
3.49%
3.49%
RM145
PIDM
MBSB
MBSB Fixed Deposit for 49'ners Club
Standard
RM1,000
3.40%
3.40%
RM142
MBSB
Bank Rakyat
Bank Rakyat Term Deposit Account-i
Standard
RM5,000
3.40%
3.40%
RM142
DFIA
Bank Islam
Bank Islam Term Deposit-i
Standard
RM1,000
3.30%
3.30%
RM138
PIDM
Agrobank
Agrobank Fixed Return Investment Account-i
Standard
RM5,000
3.25%
3.25%
RM135
PIDM
Bank Name
Product Name
FD Type
Minimum Deposit
Advertised Interest Rates
Effective Interest Rates
Interest on RM50,000
Depositor’s Insurance?
Affin Bank
Affin FDPLUS2
Standard
RM5,000
3.80%
3.80%
RM475
PIDM
Bank Rakyat
Bank Rakyat Term Deposit Account-i
Standard
RM500
3.70%
3.70%
RM463
DFIA
MBSB
MBSB Fixed Deposit for 49'ners Club
Standard
RM1,000
3.45%
3.45%
RM431
MBSB
Bank Islam
Bank Islam Term Deposit-i
Standard
RM500
3.35%
3.35%
RM419
PIDM
Agrobank
Agrobank Fixed Return Investment Account-i
Standard
RM1,000
3.30%
3.30%
RM413
PIDM
Bank Name
Product Name
FD Type
Minimum Deposit
Advertised Interest Rates
Effective Interest Rates
Interest on RM50,000
Depositor’s Insurance?
OCBC Bank
OCBC Start Saving Deal
Standard
RM40,000
4.00%
4.00%
RM1,000
PIDM
Kuwait Finance House
KFH International Commodity Murabahah Deposit-i
Standard
RM10,000
4.00%
4.00%
RM1,000
PIDM
Bank Rakyat
Bank Rakyat Term Deposit Account-i
Standard
RM500
3.90%
3.90%
RM975
DFIA
Mach by Hong Leong Bank
Mach Fixed Deposit
Standard
RM1,000
3.85%
3.85%
RM770
PIDM
Affin Bank
Affin FD Plus
Standard
RM10,000
3.79%
3.79%
RM948
PIDM
Bank Name
Product Name
FD Type
Minimum Deposit
Advertised Interest Rates
Effective Interest Rates
Interest on RM50,000
Depositor’s Insurance?
Mach by Hong Leong Bank
Mach Fixed Deposit
Standard
RM1,000
4.00%
4.00%
RM1,500
PIDM
Bank Rakyat
Bank Rakyat Term Deposit Account-i
Standard
RM500
3.95%
3.95%
RM1,481
DFIA
Affin Bank
Affin Bank FD Plus
Standard
RM10,000
3.84%
3.84%
RM1,440
PIDM
MBSB
MBSB Fixed Deposit for 49'ners Club
Standard
RM1,000
3.65%
3.65%
RM1,369
MBSB
Bank Islam
Bank Islam Term Deposit-i
Standard
RM500
3.50%
3.50%
RM1,050
PIDM
Bank Name
Product Name
FD Type
Minimum Deposit
Advertised Interest Rates
Effective Interest Rates
Interest on RM50,000
Depositor’s Insurance?
OCBC Bank
OCBC Start Saving Deal
Standard
RM40,000
4.20%
4.20%
RM2,100
PIDM
Maybank
Maybank Fixed Deposit
Step Up
RM25,000
4.30%
4.17%
RM2,085
PIDM
Bank Rakyat
Bank Rakyat Term Deposit Account-i
Standard
RM500
4.10%
4.10%
RM2,050
DFIA
Kuwait Finance House
KFH International Commodity Murabahah Deposit-i
Standard
RM10,000
4.10%
4.10%
RM2,050
PIDM
Affin Islamic Bank
Affin Islamic Term Deposit Plus-i
Standard
RM10,000
3.89%
3.89%
RM1,945
PIDM
24
JULY 2015