SM Magazine June 2014 by komstudio8

JUNE 2014

magazine

JUNE 2014

SaveMoney Sports Edition Revealing the cost of the FIFA World Cup 2014 The Cost of Running Your First Marathon

Contents & Editor’s Note

JUNE 2014

CONTENTS 3 FINANCE • Understanding Balance Transfers in Malaysia – What, Why, and Which

Publisher Saving Plus Sdn. Bhd. Redberry City, Lot 2A, Jalan 13/2, 46200 Petaling Jaya Selangor D.E., Malaysia.

5 TECHNOLOGY • The 4 Most Expensive Acquisitions By Facebook

Editorial Hann Liew Balkish Rosly Eugene Chua Caitlyn Ng Diana Chai Joshua Ong Winnie Wu Nadia Asha Michelle Brohier Chester John

6 LIFESTYLE • If Motherhood was a Job

7 SM SPORTS EDITION • Top 5 Footballers with the Fattest Pockets in 2014

Design Komalah Sithamparam Tag Teoh

• The Cost of Running Your First Marathon

Advertising Lucas Ooi Ian Low Luke Rayan

• Revealing the Cost of FIFA World Cup 2014 • SaveMoney Ways to Keep Fit

15 JIMATCERMAT.MY • ASB lwn ASB 2

16 SAVEMONEY TRAVELLER

www.facebook.com/SaveMoneyMy www.twitter.com/SaveMoneyMy

• Goes to Phnom Penh

www.savemoney.my

18 SAVEMONEY TOP PRODUCT TABLES

theeditor@savemoney.my

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ey SaveMon io it n Sports Ed th the

allers wi Top 5 Footb ckets in 2014 Fattest Po Your of Running hon The Cost First Marat

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Editor’s Note Ready, set, go! To kick things off, I am proud to announce that we are the official partner for the Standard Chartered KL Marathon 2014 (yay!). This month, we’re all about getting sweaty, healthy, and losing that pesky muffin top. While browsing through my calendar, I was shocked to find that June has arrived, and yet I am nowhere near my fitness goal. Once again, the fiery determination that I felt while jotting down my “Must Achieve” New Year’s resolutions has been promptly abandoned. My workout schedule and diet plan remain on the desk, untouched and gathering dust. Similarly, my workout outfits are doomed to stay at the back of my cramped closet. At best, I only take them out for a run once a month. Surely this might strike a chord with some of you readers! So in the spirit of kick-starting this fitness journey, we present the “Save Money Ways to Get Fit” guide for frugal fitness lovers out there. Who says that getting fit and healthy is an expensive affair? No more excuses, let’s get sweaty! The registration for the Standard Chartered KL Marathon is finally open, any takers? It is common knowledge that running is a great way to increase one’s overall level of health. For this slightly unfit editor, running is the way to go to shake the stress (and tons of fat) away! This year, I pledge to finish the full 42KM marathon…quite a challenge, but I’m confident that I’ll pull through (I think). Marathon virgins, read up on our “Cost of Running a Marathon” article to know just how much a beginner’s cost is going to look like. One could easily overspend in the midst of excitement, so ensure that your only train your body to be fit for the marathon, and not your wallet. Speaking of fit wallets, have you been exercising those credit cards a little too much this month? Worry not, big spenders, because we’ve got some tips for you. In the “Understanding Balance Transfer in Malaysia – What, Why, Which” article, our financial writer Chester John will explain how transferring your credit card debt onto another card could save you tons of moolah. There’s another exciting event brewing all this month, and that’s the FIFA World Cup 2014. Ole ole! This time around, my bet is set on the Netherlands, Brazil and maybe Portugal – and I’ll be rocking the jerseys all month long for sure. True to SaveMoney style, we approach the World Cup at a slightly different angle and dive straight into the organisers’ pocket. Head on to our “Revealing the Cost of FIFA World Cup 2014” article to know more. Ladies, feel free to ogle at the hot players that made some serious bank in our “Top 5 Footballers with the Fattest Pockets in 2014” - you’re welcome girls. Have a great month, folks!

Balkish Rosly

JUNE 2014

Finance

Understanding Balance Transfers in Malaysia – What, Why, and Which A

By Chester John

re you like a certain Becky Bloomwood, itching to swipe your credit card every single chance you get? Shifting existing credit card debt to a low interest credit card via a balance transfer programme can save you RM100s, when done right.

What is a Balance Transfer Programme? To put it simply, a balance transfer is a programme offered by a bank which allows cardholders of other banks to transfer their outstanding balance from their credit cards to another at a lower interest rate. See, banks aren’t that bad after all – they’ll save you from drowning in a sea of your own debt! For example, Patricia has RM1,000 outstanding balance on her credit card from Bank A, with an interest rate of 15% p.a. She plans to pay the minimum 5% or RM50 every month. The next day, she decides to transfer that amount to a new credit card from bank B at a lower interest rate of 0% for 6 months via the balance transfer programme. 6 months later, she has paid off all her debts and made a saving of about RM158.

5 Balance Transfer Must-Knows A balance transfer may seem like the ultimate saving grace for anyone having trouble paying down their debts, but there are a few things to look out for that are not explicitly advertised by the banks that everyone should consider before applying for one. They might save you from a sea of debt, but once you’re on their ship, things might get rough.

1. Know your 0% Interest Rate Plans

2. Know your 0% Interest Rate Plans

Not to be confused with the usual interest charges, these payments are often referred to as up-front interest fees, usually 3% to 4% of the total transferred debt. Basically, it is a fee for transferring your outstanding balance to your brand new credit card.

Should you be jumping at the opportunity to transfer your debts with a 0% balance transfer plan? The answer would be a resounding yes! But, you will have to commit to pay your dues within the given period, which can be anywhere from 6 to 12 months.

With that said, even though a bank might be advertising a balance transfer with 0% interest for a certain period, you might still have to pay a one off transfer fee, which can costs hundreds if you’re transferring a significant sum. It is important to note that not all banks require you to pay this fee.

Failing to do so will result in the credit card’s interest rate jumping back to the bank’ s standard rates ( 15% to 18% for most Malaysian banks). So far, we have not seen any long term balance transfers (24 to 36 months) that offer a 0% plan. But we can keep our fingers crossed for one!

Luckily, some banks offer free balance transfers so it is not out of question to not pay anything extra here. Also, like any old loan, some banks can and will slap you with a fee of up to RM100 when you decide to settle your balance transfer earlier than expected. It might be a good idea to start reading your terms and conditions.

3. Monthly repayment types Type 1: Easy payment It doesn’t matter how much you pay per month, as long as the payment is completed at the end of your balance transfer tenure. More commonly, the bank will request that you pay at least RM50 or 5% of the outstanding balance in order to not get penalised.

Type 2: Fixed payment Once you’ve decided on the amount that you’d like to transfer, the bank will then calculate how much you will be paying each month. You will have to follow a strict monthly repayment schedule until the end of your tenure. What happens when you do not pay on time? Well, the bank might revoke the promotional rate, and you will once again be paying 15% to 18%. On top of that, the bank will also be able to charge a late penalty fee of 1% of the balance transfer amount – a double whammy you’d surely want to avoid.

JUNE 2014

Finance

4. Always practise restraint This is a big one – If possible, restrain from using your balance transfer credit card to make any additional purchases on top of your balance transfer amount in hopes of taking advantage of the 0% interest rate. Why? This is because some banks specify that promotional rates will only apply to your transferred balance, while your retail purchases are charged according to the bank’s prevailing interest rates (15% to 18%). For example, Bank Islam will first settle your balance transfer debt, leaving you with the retail spending balance incurring up to 18% p.a.

5. Transfer from more than one bank Some of you may not know this, but you can consolidate your debts from more than one credit card from different banks onto your balance transfer credit card. For example, the Maybank Balance Transfer programme allows you to transfer balance from up to three banks at one time. So, if you’re a credit card hoarder, paying separate credit card bills every month can be a recipe for a really big headache. A balance transfer will give you more breathing room, allowing you to catch up with your payments and lighten your load significantly.

A comparison of the top 6-month Balance Transfer Programmes in Malaysia Balance Transfer Plans

Hong Leong Balance Transfer

RHB Balance Transfer Plan X

Public Bank Balance Transfer XIV

6 months

N/A

Easy

Tenure Upfront Interest (% p.a.) Interest Rate (% p.a.) Payment Type Minimum Transfer Amount (RM)

3,000

5,000

Maximum Transfer Amount

RM30,000 or up to 60% of available credit limit

80% of available credit limit

Minimum Monthly Payment

5% or RM50

Early Termination Fee (RM)

N/A

30th June 2014

31st July 2014

Promotion end date

A comparison of the top 12-month Balance Transfer Programmes in Malaysia Balance Transfer Plans

Maybank Balance Transfer Programme

Public Bank Balance Transfer XIV

Bank Islam Balance Transfer

BSN Balance Transfer Programme

12 months

Upfront Interest (% p.a.)

N/A

Interest Rate (% p.a.)

1.8

Tenure

Payment Type

Fixed

Easy

Fixed

Minimum Transfer Amount (RM)

1,000

Maximum Transfer Amount

RM50,000

80% of available credit limit

depends on credit check

80% of available credit limit

Minimum Monthly Payment

depends on transfer amount

Early Termination Fee (RM)

N/A

Ongoing

31st July 2014

Ongoing

Promotion end date

A comparison of the top long term Balance Transfer Programmes in Malaysia Balance Transfer Plans Tenure Upfront Interest (% p.a.) Interest Rate (% p.a.)

Public Bank Balance Transfer XIV

BSN Balance Transfer Programme

Maybank Balance Transfer Programme

Standard Chartered Balance Transfer

24 months

36 months

N/A

4.5

4.95

5.99

Payment Type

Fixed

Minimum Transfer Amount (RM)

3,000

2,000

Maximum Transfer Amount

80% of available credit limit

depends on credit check

no maximum

Minimum Monthly Payment

depends on transfer amount

Early Termination Fee (RM)

RM100 or 2% of transfer amount (whichever is higher)

N/A

prevailing finance charge

N/A

31st July 2014

Ongoing

Promotion end date

Technology

JUNE 2014

The 4 Most Expensive Acquisitions by Facebook By Caitlyn Ng

1 Snaptu

(~ US$60 – 70 million / ~ RM198.4 – 231.5 million)

With such a quirky name, one would wonder what this acquisition is all about. You would be forgiven for thinking that it has something to do with photos or anything along those lines (photo “snapping”, get it?). However, Snaptu is apparently a solution provider for “developing, deploying and maintaining online services, providing an ultra-fast Facebook app, particularly on mobile phones (not smartphones)”. Now who would’ve thought of that? This app was created in 2007 by an Israel-based startup company called Moblica (founder is Ran Makavy) and allowed people who only used phones that lack the processing power and functionality of today’s smartphones to quickly and easily log in to their Facebook accounts. The company was acquired by Facebook in March 2011 for a figure that ranged between US$60 – 70 million (approximately RM198.4 – 231.5 miilion) since there wasn’t an exact figure given. It had a close working relationship with Facebook from the start, as it was given the chance to create that popular app which works on more than 2,500 devices. Since smaller, less developed countries still depend on these types of phones, it was a good opportunity to reach out to a wider audience in generally app under-served countries.

3 Instagram

This app allows users to share photos or videos, as well as socialise, but a better approach in looking at it (according to Instagram themselves) is that it is “a fast, beautiful and fun way to share your life with friends and family”. What this means is that one would just need to take a picture or a video (cropped to a square shape, similar to Polaroid images), choose one of the filters to give it a whole new look and feel, then post it up on Instagram for followers (either public or private) to see! Created and launched in October 2010 by Kevin Systrom and Michel Krieger, Facebook purchased the service in April 2012 for a princely sum of US$1 billion (approximately RM3.3 billion) in both cash and stocks. Now that the modern world is having an increasingly shorter attention span, visual information is absorbed faster than that of text; wordy advertisements are no longer making an impact. In fact, it’s one of the more popular tools used by marketers to reach out to youths. The hashtag function also allows companies to build a movement around their brand, thereby creating that much-needed buzz.

Founded

Date of Purchase

Snaptu

2007

March 2011

Face.Com

2007

Instagram

2010

2009

February 2014

*assuming that US$1 is equivalent to RM3.30

The name of this acquisition does sound similar to that of Facebook itself, but this is a technology company that was based in TelAviv, Israel (the CEO is Gil Hirsch) which “developed a platform for efficient and accurate facial recognition in photos uploaded via web and mobile applications”. Essentially, it has developed and released two features on Facebook that many would be familiar with: Photo Finder and Photo Tagger. The former allows an individual to find the untagged photos of themselves whereas the latter allows people to scan their (or their friends’) photo albums to enable bulk-tagging of faces that appear in multiple photos. Founded in 2007 with ten full-time employees, Facebook decided to buy over the company for about US$100 million (approximately RM330.4 million) in June 2012. This was in order to upgrade and provide the best possible experience for its users during the photo sharing process on the social network. Now, people won’t miss out on a single photo again which shows how much importance Facebook places on photo-sharing and the communities that share them.

(US$1 billion / RM3.3 billion)

Name of Acquisition

2 Face.Com (~ US$100 million / ~ RM330.4 million)

(US$19 billion / RM62.8 billion)

Described by the creators as “a cross-platform mobile messaging app which allows you to exchange messages without having to pay for SMS”, WhatsApp also decided to launch a few other functions to compete with other Asian-based messaging services (LINE, KakaoTalk, WeChat): sending audio clips to one another as well as unlimited images and video messages. Since it only makes use of one’s internet data plan or WiFi connection to function, it means that people from all over the world will be able to instantly message one another, regardless of the device used (iPhone, BlackBerry, Android, Windows or Nokia). WhatsApp had its humble beginnings back in 2009 when Americans Brian Acton and Jan Koum decided to create an app that would connect people from different platforms. On February 19, 2014, Facebook announced that it would be buying the hugely popular service for a staggering total of US$19 billion (approximately RM62.8 billion) which is made up of US$4 billion in cash, US$12 billion in Facebook shares and a final US$3 billion in restricted stock units to be granted to WhatsApp’s founders and employees that will vest over four years subsequent to closing.

Purchase Price (US$)

Purchase Price (RM)*

US$60 – 70 million

RM198.4 – 231.5 million

June 2012

US$100 million

RM330.4 million

April 2012

US$1 billion

RM3.3 billion

US$19 billion

RM62.8 billion

Lifestyle

A Motherhood Resume: Could You Afford Your Mum?

JUNE 2014

By Michelle Brohier

others around the world, we love you! How was your Mother’s Day celebration? Frankly speaking, setting aside one special day once a year is not enough to show your appreciation and love to the goddess that is your mother. After all, we won’t be here without the love and care of our mothers, bringing us up, feeding us and being there for us when we need her. Dramatic imagery aside, it’s hard to measure the love and dedication of a mother, especially the time and energy spent on ensuring that her children grow up well loved. It’s a full-time job with very few perks and a lot of sweat and tears, but mothers do it anyway out of love and a sense of duty. But what if we could measure how much a mother should be earning? We thought we’d do a SaveMoney tribute of sorts to the first woman we all love: our mums. You see, being a mum is a full-time job though few people realise this. She’s your cook, your cleaner, your driver, your teacher but also your confidante who loves you unconditionally. The last part is priceless and we’ll never be able to put a number on it but for a few others, we can. In this article we take a sobering look at how much your mum does for you and how much she could be paid if she chose to do these things professionally. The question is then asked: if motherhood was a job; could you afford your mum?

Cook/Chef

Workforce average salary: RM4,500 (Manager level)

Teacher

Workforce average salary: RM3,500

Hourly rate: RM28

Hourly rate: RM21.88

Driver

Housekeeper

Workforce average salary: RM1,700

Workforce average salary: RM1,400

Hourly rate: RM10.63

Hourly rate: RM8.75

Nurse

CEO

Workforce average salary: RM2,300

Workforce average salary: RM27,666

Hourly rate: RM14.35

Hourly rate: RM172.91

A Mother’s Salary This is probably the trickiest part as each mother works differently. You need to also consider whether your mother is a stay at home mother or a working mother, as salaries differ for them. So here’s an example where on a monthly average, a stay at home mother will spend 14 hours cooking (RM1,568), 14 hours housekeeping (RM122.50), 8 hours driving (RM340.16), 3 hours a week making major decisions for the family (RM2,074.92), 13 hours helping you with your homework (RM1,137.76), and about 1-2 hours (RM114.80) tending to your health in a week. This means they would earn about RM5,358.14 a month. As for a working mother, on average she would be cooking 8 hours (RM896), housekeeping for 8 hours (RM70), driving for about 6 hours (RM255.12), 2.6 hours making major decisions for the family (RM1798.26), 5 hours teaching or helping you with your studies (RM437.60) and also 1-2 hours (RM114.80) tending to your health within a week. This would amount to a salary of RM3,571.78 a month to add along to her working salary. This is, of course, an estimation of what mothers should be earning monthly and it would definitely vary for all mothers. But let’s face it, there’s no way to really quantify or repay the love and dedication a mother puts into everything that she does for her children. This is why no matter how much money she deserves for being a mother (and she definitely deserves a lot, even if she is a working mother), we reckon there’s no real way to repay her for her love. The best thing you can do, is be the best person you can be and make her proud.

SM Sports Edition

JUNE 2014

Sports Edition

Top 5 Footballers

with the Fattest Pockets in 2014 By Balkish Rosly

le Ole! Aspring footballers and football fanatics, go berserk. Love it or hate it, the FIFA World Cup 2014 is fast approaching. Soon enough, the crowded streets of Rio will be filled with football stars and crazed fans singing the World Cup anthem is. ‘Tis the time again where supporters don their lucky jerseys and pray hard for victory. Heck, even Paul the Octopus might rise from Poseidon’s grip to predict this year’s winner.

In the current state of World Cup madness, we thought it will be fun to research on the depth of these footballers deep, deep pockets. Indeed folks, we are talking about the paychecks. In 2014, who earned the title of the world’s richest footballer? Let’s go straight to the numbers!

Cristiano Ronaldo Current Teams: Real Madrid C.F. / Portugal Estimated Wealth Level: 148 Million EUR (RM651 Million) Age: 29 At the tender age of 29, Cristiano Ronaldo’s net wealth is estimated to sit around148 Million Euro. This talented footballer is so well known in and outside of the football field that even a random ‘makcik’ on the streets would probably recognize him. What’s more, the lucrative new five-year contract deal he signed with Real Madrid - worth millions, of course – means that he can now comfortably sit at the top of this list, ahead of his so-called rival, Lionel Messi.

Lionel Messi

Samuel Eto’o

Current Teams: FC Barcelona / Argentina Estimated Salary in 2013: 16 Million EUR (RM70 Million) Estimated Wealth Level: 146 Million EUR (RM642 Million) Age: 26

Current Teams: Chelsea / Cameroon Estimated Salary in 2013: 8 Million EUR (RM35 Million) Estimated Wealth Level: 85 Million EUR (RM374 Million) Age: 33

Breaking news! Lionel Messi may just become the highest paid player in the football world after he agreed to sign a new contract with FC Barcelona sometime in May 2014. This new deal will undoubtedly raise his already incredible wealth to a whole new level, but we daresay that this footballer is worth every penny. At the young age of 21, Messi received both the Ballon d’Or and FIFA World Player of The Year nominations. Although he didn’t bring home the awards that year, Messi won both of these titles in the following year. He then continued to sweep the Ballon d’Or honour in 2011 and 2012. He also holds the record for the most hat-tricks scored in the history of the UEFA Champions League.

At an estimated wealth of 85 Million Euros, this Chelsea striker is the third wealthiest footballers in town. Hailing from Cameroon, Eto’o scored over 100 goals in five seasons with Barcelona and he is also Cameroon’s all-time leading scorer and third most capped player, with 55 goals from 112 caps. However, life is not all peachy for this famous football star. Samuel Eto’o has encountered racial abuse, to the point of leaving the football field mid-game as a sign of protest.

Wayne Rooney

Kaká

Current Teams: Manchester United / England Estimated Salary in 2013: 13 Million EUR (RM57 Million) Estimated Wealth Level: 84 Million EUR (RM370 Million) Age: 28

Current Teams: A.C. Milan / Brazil Estimated Salary in 2013: 10 Million EUR (RM44 Million) Estimated Wealth Level: 82 Million EUR (RM361 Million) Age: 32

Wayne Rooney is one of those footballers who just can’t escape the paparazzi. This English footballer has been in the news for both of his professional career as well as personal woes. From infidelity to the David Moyes drama, it seems like this footballs star can’t catch a break. But no matter, his wealth could definitely cheer him up! At an estimated fortune of 84 million Euros, Rooney has come a long way since his Everton days. In 2004, Rooney signed on to Manchester United after a 25.6 million deal was reached, making that the highest fee ever paid for a player under 20 years old as he was still only 18 when he left Everton. As of now, he will continue scoring goals for the Red Devils.

Who knew that this cutie is already 32 years old? Ricardo Izecson dos Santos Leite or more commonly known as Kaka is the well-known Brazilian footballer who is currently attached to A.C. Milan. In 2003 he joined Milan for a fee of 8.5 million Euros. While at Milan, Kaká won the Ballon d’Or and FIFA World Player of the Year awards in 2007. After his success with Milan, Kaká joined Real Madrid for a transfer fee of a whopping 65 million Euros. At the time, this was the second highest transfer fee ever, behind only the 75 million Euros fee for Zinedine Zidane. After four seasons in Spain, he returned to Milan in 2013. Unfortunately, folks will not see him in action in the upcoming World Cup as Brazil Coach Luiz Felipe Scolari announced his 23-man squad will not include Kaka!

SM Sports Edition

JUNE 2014

Sports Edition

The Cost of Running

Your First Marathon By Joshua Ong

his month, we’re focusing on getting fit! For runners, earning that finisher’s medal in a marathon is utterly satisfying. Whether you’re a seasoned athlete or an average working adult, running a marathon for the first time can be both intimidating and expensive. Monetary costs aside, people push themselves through marathons not just for the physical reward of a great workout but for the mental satisfaction that comes with conquering a tough challenge. If you’re in search of that burst of adrenaline then you should absolutely jump on the band wagon and start preparing yourself for your very first marathon. With that said, we’ve compiled a list of items (and costs) every marathon runner will need to invest in in order to embark on their running journey. So start stretching and read on to find out how much it costs to run your first marathon. Ready, set, go!

Marathon Registration Fees

Whenever you decide to sign up for a marathon, the very first cost that you will have to tackle is the marathon registration fee. Registration fee amounts will vary depending on two factors, distance and time period. In general, the longer the stretch that you wish to conquer, the higher the registration fee that you will need to pay. To give an example, the 42km distance at the upcoming Standard Chartered KL Marathon has a registration fee of RM80 whereas the 21km half marathon comes with a fee of only RM70. But should you let the difference in cost dictate the distance that you should run? Absolutely not! While you may be saving yourself RM10 by choosing the 21km half marathon, you could be potentially robbing yourself of the extra satisfaction that comes with completing the 42km stretch instead. Always go with the distance that realistically challenges you (and that you want to run) not the course that has the cheapest registration fee. When it comes to registration time period, earlier always means cheaper. Organisers will usually offer special early bird discounts for participants who make the decision to register early. Once the early bird discount expires, prices will shoot up. For example, if you decide to register for the 42km Standard Chartered KL Marathon during the early bird period, you can expect to pay RM70 in registration fees. However, if you instead opt to take your time and delay your registration until the last minute, you can then expect to pay as much as RM90 in fees. So if you really want to save up on costs; register early and start sketching out your training regimen.

SM Sports Edition

JUNE 2014

Sports Edition

Shoes A marathon runner without a good pair of shoes is like a tennis player without a racket. When you run a marathon, your shoes represent the single most important tool in your arsenal. For that very reason, investing in a good pair of quality shoes can mean the difference between victory and agony. Running on a hard surface can be extremely rough on your ankles, knees and other parts of your lower body. If you do not have a proper pair of running shoes to cushion the landing impact of the hard surface that you are running on, then it is highly likely that you will injure yourself in the process. It is not uncommon for runners to suffer from some form of knee or shin pain throughout their career, however if you invest in a good pair of running shoes early on, then you might be able to reduce or prevent the occurrence of such ailments. The right shoes should fit snug and comfortable; not tight and constrictive as this will lead to blisters forming on your feet. A great rule of thumb to determine whether your shoes are the right fit is to attempt to slide your feet out when your kicks are all laced up but untied. If you can slide out your feet with little effort, then your shoes are the right fit but if you have to crank your shoes off with both hands then it’s probably a sign that they are too tight. Good shoes don’t always have to be expensive. Remember that you are here to run a marathon, not make a fashion statement. Sporting goods stores such as the Royal Sporting House or World of Sports have good quality running shoes that sell for as low as RM350 a pair (or less if there is a sale on). Take your time when you shop for your shoes, don’t rush yourself, try on and walk around with as many pairs of shoes as you want. When you finally find a pair that fits comfortably, make payment and take one step closer towards becoming a marathon running hero.

Running Wear Unless you plan on running naked, you’ll probably need to invest in a set of proper running wear. Running wear doesn’t have to ultra-expensive or excessively flashy. If you think showing up dressed like a radioactive human traffic light with 4 layers of spandex is going to improve your odds of winning, then you are sadly mistaken. Stay away from water absorbing cotton clothing unless you want to end up looking like you took a dive in the Straits of Malacca. Cotton t-shirts become heavy and thick when they absorb sweat, you’ll want to be wearing something light and comfortable on race day. The perfect running wear should be fitting but at the same time not restrictive to your movement. If you cannot squat down without splitting the back of your pants, then whatever you are wearing is probably too tight. Conversely, if the wind blows and you turn into a human parachute, then you are probably wearing attire that is too loose. Your best bet is to go with a 100% moisture transfer fabric such as light synthetic polyester that will help keep you cool and dry when you run. T-shirts and shorts made of such material can be easily found at an affordable price of around RM50 and up each at most sporting goods store like the Royal Sporting House or World of Sports. However, most organisers usually provide a dri-fit top for each of the contestants, so you get to save more money there!

Train like Rocky Balboa Now that you’ve got all your gear, you can begin training for your marathon. Training does not cost you any money, the cost of training is sweat and tears. Stretch well before you begin your first day of practice and remember to pace yourself. Rome wasn’t built in a day so don’t expect yourself to turn into Wilson Kipsang overnight. Keep track of your goal, work towards it at a conservative pace and most importantly, remember to have fun. Total Cost of running Standard Chartered KL Marathon 42.195km = RM463 (costs include sign-up for the marathon and running gear for the first time runner). If you already have your running kit, you’ll just need RM90 for sign up fees! There, you have the cost of running your first marathon! You might think it looks a wee bit high but keep in mind that many items on the list are usable for 3-4 marathons to give you your money’s worth. The thing that marathon enthusiasts all say the same is that running is addictive and once you get into the groove of running a proper marathon; it’s highly likely you’ll want to do it again and again.

SM Sports Edition

JUNE 2014

Sports Edition Advertorial

STANDARD CHARTERED KL MARATHON MALAYSIA’S MOST CELEBRATED RUNNING EVENT Malaysia is known for its sporting achievements in badminton, football and was also the host to the historical 98’ Commonwealth Games. The country’s environment also offer sports enthusiasts the thrills and challenges from natural landscapes of jungle treks to the modern day gym centres. In today’s rapid development and fast paced lifestyle, the sporting arena is now abuzz with marathons. Running allows its participants to lead a healthy lifestyle and at the same time allow the flexibility to adapt to their busy schedules. One of Malaysia’s most iconic and premier running event is the Standard Chartered KL Marathon. The Marathon held its inaugural race in 2009 with a total of 13,500 runners. Since then, it has grown from strength to strength, especially when the event clocked more than 33,800 runners in 2013; a record by its standards. This made the Standard Chartered KL Marathon 2013 the largest marathon event in Malaysia during that year. The Marathon further enhanced Malaysia’s standing in the world, with the participation of over 2,500 runners that were of non-Malaysian nationalities last year. They comprise of both expatriates living in Malaysia and running tourists with 45 runners from the running nations, namely, Kenya, Ethiopia and Zimbabwe. The Marathon also attracted a total of 53 nationalities from 48 countries and the top five participant arrivals are from Singapore, Japan, Hong Kong, the Philippines and Brunei, providing a strong sporting tourism platform. Apart from drawing global attention to Malaysia’s sports arena, the Standard Chartered KL Marathon also greatly contributes to the tourism industry. The Marathon starts and finishes right in the middle of the city, at the historical Independence Square or Dataran Merdeka and traces a route that makes one big loop in, around and back into the city. Apart from Dataran Merdeka, runners will also see various landmarks in Malaysia including the historical Sultan Abdul Samad Building, the iconic Twin Towers, the National Monument, the breath-taking Buddhist Thien Hou Temple, the colourful Little India, the majestic National Mosque, the King’s Palace and the Parliament Building. The Standard Chartered KL Marathon is more than just a long distance running event. The Marathon as a norm, through its continuous Corporate Social Responsibility initiative, ensures that event gives back to the community through its charity partners. Under its Run For A Reason, Run For A Cause programme, participants are encouraged to pledge and run for charity organisations of their choice or Standard Chartered KL Marathon’s charity partners. Throughout the years, charity organisations that have benefited include the Standard Chartered Foundation (SCF), the National Autism Society of Malaysia (NASOM), Hospis Malaysia, and EcoKnights. This year, the Malaysia Nature Society (MNS) joins the list of beneficiaries. The Standard Chartered KL Marathon is back for its sixth installation in 2014. Not just another mere long distance running event, the Marathon showcases something different year after year. With a new tagline, ‘Confident. Committed. Courageous’ and an increased prize package of USD 116, 740 (approximately RM376, 524); the highest prize purse among all marathons in Malaysia, runners can also expect to experience new routes, new categories and new partnerships. Due to the various contributions of Standard Chartered KL Marathon throughout the years, it has earned itself the international accreditation and local sanctions supported by Ministry of Youth and Sports, Malaysia, Malaysia Athletics Federation (MAF), Federal Territory Kuala Lumpur Athletic Federation (FTKLAA), International Association of Athletics Federations (IAAF) and Association of International Marathons, Distance Races (AIMS). Staying steadfast to the mission of providing a solid marathon experience, the Standard Chartered KL Marathon is continuously committed to celebrating runners and the true nature of sportsmanship as well as supporting the nation’s interest towards cultivating a healthy lifestyle.

SM Sports Edition

JUNE 2014

Sports Edition Advertorial

TAKING IT TO THE NEXT LEVEL

RUNNING MALAYSIA’S MOST ICONIC MARATHON FOR OVER HALF A DECADE Established in August 2011, Dirigo Events Sdn. Bhd. has made a mark in the industry through professional event management of wide variety of local and international events. A Malaysian company, Dirigo Events has organised, created and executed marketing strategies and events across borders including Europe and the Asia Pacific. Founded by two business partners, Rainer Biemans and Gloria Ng, the company has a combined expertise spanning more than 48 years in the fields of events and marketing. The dynamic duo with their rich and diverse experiences have successfully conceptualized, managed and executed events of mass participation from sports to high impact corporate clients from the banking industry, automotive and retail industries. Born, raised and educated in Switzerland, Rainer Biemans has almost 20 years’ experience in managing sponsorships, event management and organisation of sporting events. He began his career in Switzerland by managing sponsorships for a global bank and other industries. The ITU Triathlon World Cup, FIS Alpine Ski World Cup, the Swiss Football National Team and UEFA Euro 2008 were some of the accomplishments under his belt. He also delved into event management and organization with Tour de Suisse, one of the top cycling events in the world for IMG in Switzerland. In February 2009, Rainer travelled to Malaysia to be part of the team to organise the inaugural Standard Chartered KL Marathon. Under his wing, the Standard Chartered KL Marathons have grown to become an iconic event in the running calendar for Malaysia. Today, he resides in Malaysia and is fully dedicated to Dirigo Events. Gloria has over 18 years of extensive experience in managing events including corporate functions, commercial events, road shows, conferences, both local and international sports events. During her career, she has played instrumental roles in marketing several major events in Malaysia, including the first three Formula One Malaysia Grand Prix and Asian X-Games qualifiers. Prior to establishing Dirigo Events, Gloria was part of the team that organized previous Standard Chartered KL Marathons, since 2010. At Dirigo Events, both Rainer and Gloria share responsibilities and operate collaboratively in managing all aspects of the company and its growth. The company’s expertise in event management stretches from the registration process, to marketing, sales, communication and logistics as well as operations- a complete one-stop centre for its clients. Their flagship event is the Standard Chartered KL Marathon, for which the company has a MoU with Standard Chartered Bank Malaysia as the title sponsor until 2015. To date; the Standard Chartered KL Marathon is recognised as one of the largest running event in Kuala Lumpur. Last year was the fifth year of Standard Chartered KL Marathon and also marked an unprecedented milestone where participant growth was from 13,500 runners in 2009 to more than 33,800 runners. Standard Chartered KL Marathon 2014 is also close to achieving its target of 35,000 runners. Apart from successfully managing Standard Chartered KL Marathon for five consecutive years, Rainer and Gloria, together with a team of four event management experts are also actively involved in other events such as the Standard Chartered Brunei Half Marathon and Music Run 2014. Dirigo Events also effectively handles sponsorship management such as the Indian National Cricket Team games, a cricket series for Makita Power Tools, Japan. With their current achievements and standing in the industry, both Rainer and Gloria are all set to expand Dirigo Events regionally with strong local roots and position the company as one of the main drivers of the industry. They would also like to put Malaysia on the global Marathon map, and venture into other sporting arenas apart from running. “I strongly believe that anyone who has the determination and passion for their job will succeed in life and their career. Dirigo Events is our passion and we believe that we will be able to take the company to the next level and contribute to the growth of Malaysia’s event industry.” Gloria Ng, Co-Founder and Director Dirigo Events Sdn. Bhd. “Malaysia has great potential to hold both local and international events and there are many opportunities for local events companies to tap on. It is therefore essential for us to continuously improve our services and provide clients with solutions in a complete package.” Rainer Biemans, Co-Founder and Director Dirigo Events Sdn. Bhd.

SM Sports Edition

JUNE 2014

Sports Edition

SaveMoney Ways to

Keep Fit

By Diana Chai

ealthy living seems to be everyone’s mantra these days and for good reason. People are waking up and realising that keeping fit is just as important as eating healthy and working hard at your job. Whilst many opt for pristine gyms with 50 different machines that look strangely like torture contraptions and a concierge with towel service; others find the RM160-RM230 per month gym membership a bit more than their wallets can stand. Looking at celebrity bodies; keeping fit appears to be solely within the domain of the rich and famous but it needn’t be so. There are cheaper ways to get your workout fix and of course, SaveMoney went to work to find out the cheapest ways you can get your 20mins, 3 times a week. How about these tricks to keep fit?

With Selected Equipment Exercise Bike and dumbbell set There are some exercises which require some equipment and some others that don’t. If you’re comfortable with an exercise involving some kind of machine, be ready of course to pay the price. But this doesn’t mean you need to go out and buy an entire gym or fork out thousands a year for fitness memberships. Sometimes, one cardio machine and a set of simple weights will suffice. A set of cheap dumbbells need only cost you RM30 and a simple exercise bike can be purchased for RM900-RM1,500. With care, these items could last you over 5 years. You’ll also need a good pair of trainers which cost approximately RM150-RM250 depending on brand. With care; your trainers should last you 3 years. This brings your yearly cost to RM270 versus the RM1,920 for a gym membership. But you’ll have to wash your own towels. Total cost of exercising with limited home equipment: RM930 (cheapest set) + RM250 (a good pair of trainers) = RM1,180.

Yoga Eastern exercises used to be only for the ultra chic or those looking to be exotic but yoga and Pilates have been the sworn method that many stars use to get in shape. Using the resistance of your own body - this exercise is suitable for people of any fitness level, age and size. Pregnant women are also able to do yoga safely with the help of a suitable instructor. The main trouble with yoga is that it is very easy to hurt yourself or on the flipside gain nothing at all from your efforts if you do it wrongly. It is also necessary to level up after some time or you will find you have hit a plateau. This means you may have to go for classes even if just once a week and continue practising at home. The cheapest yoga class usually comes with a long-term contract of 48 months at RM20 per class but there will be a minimum number needed to be purchases. Some classes are on a monthly payment schedule and the cheapest we found was RM150 per month for a group session and RM250 for a private session. To start yoga, you will need a yoga mat (RM45) and a brick from your yard. Yoga videos can be purchased for RM30 or watched for free on YouTube. Yearly cost: RM1,800 (classes) + RM45 (mat, one-off purchase) = RM1,845. Less effective for fitness building but good enough for light exercise: RM45 (mat, one-off purchase) + RM90 (3 DVDs on yoga-beginner level, intermediate level and advanced level. It’s important to note that DIY videos are rarely at the level of effectiveness as actual classes) = RM135

SM Sports Edition

JUNE 2014

Sports Edition Without Equipment Running/Jogging/Briskwalking One of the most effective exercises that many overlook is jogging. Contrary to the simplicity of it; jogging and/or running takes great amounts of stamina and fitness but you can start small and work your way to longer runs and harder challenges. Running/jogging also burns a truckload of calories and gives you a full body workout unlike many others. It has been said that running burns the most calories. The caloriesburnedhq website provides a glimpse at some numbers; a 54kg person running 5KM at 5mph burns a whopping 474 calories! The bonus bit? It’s super cheap if you aren’t shy about doing it in your neighbourhood in full view of the residents. Well, you could also opt for the park if you have one nearby. Bonus points if you have a dog, because not only will it walk you - it makes you look good to the single ladies (and some guys) jogging by. To jog, all you’ll need is a good set of trainers (RM250-RM400) which should last you a good 3-5 years. If you are a woman, you may want to invest in a good sports bra (RM90 and up) too to keep the girls in line as you jog. Nothing hurts more than chafing for the overly endowed. Total cost per year: RM83 (Pair of RM250 trainers over 3 years of use).

Housework As much as our feminist brains refused to own up to this one - housework actually does burn a truckload of calories. FitDay.com listed the most common chores and how many calories you can burn doing them. Check out these stats: Cleaning windows for 30 minutes burns 125 calories, the same number used in 20 minutes of power yoga (about one-third the length of a typical power yoga class). Vacuuming for 30 minutes burns about 90 calories, the same amount you’d burn in 15 minutes of kick boxing. But is this considered cheap? You’ll definitely save the RM60 you pay the daily maid but you’ll still have to buy appliances and cleaning equipment. Plus, you may be in severe need of a spa later. Sorry, we’re not really sure how to calculate the costs of cleaning equipment and spa days for a year but we reckon it’s NOT cheaper than running in your neighbourhood and chatting up the hottie on the block (only if you’re single!). So what’s the verdict? It seems though there are variances to cheap exercises - the best does appear to be running/jogging. The burn/ price ratio is awesome and the social factor is through the roof too. All you need really is a pair of trainers and you’re good to go!

ivated

Tips on Staying Mot

Now that you have an inkling on how to keep fit without betraying your pocket, motivation is key on staying fit! Although hiring a personal trainer to push you in the right direction is great, the sizeable fee might deter the frugal Mr. and Mrs Adonis out there. Fret not, just use these free SaveMoney tips instead: Remember how you feel after a workout

Isolate your weakness.

Even the best of us experience lazy days. Instead of reaching for a box of yummy chocolates, remember instead the immense satisfaction that you feel after a workout. And it’s not just your imagination either; when you exercise, your body releases chemicals called endorphins which trigger a positive feeling in the body.

If you find it difficult to put on those sweat gear, dig deep to find the reasons. Could it be that yoga / jogging / brisk walking bores you? If so, then try out a different method of working out. You could opt to walk the whole day at the mall instead (uh oh, might be troublesome to the wallet though), or maybe call up a friend for a quick brisk walk session before trying out the new hipster café.

Read fitness blogs and online magazines This may sound a little shallow, but gazing upon fit models will increase your motivation.

“No time to exercise”.

Set a reward for each fitness goal Staying healthy is a necessary lifelong process, but that doesn’t mean that you shouldn’t reward yourself along the way! So you need a brand new laptop? Wait until you’ve reached a goal before purchasing it.

Ahh.. time, the root of evil for all unfit workaholics out there. For those who find themselves leaving and returning home at unreasonable hours, time is the core problem in keeping a fit and balanced lifestyle. So instead of performing a rigorous 2-hour workout, choose a 5 to 10 minutes workout session instead that would fit into your current situation.

JUNE 2014

SM Sports Edition

Sports Edition

Revealing the Cost of the

FIFA World Cup 2014

ootball fans are already counting down to the day – June 12, 2014 when the FIFA World Cup 2014 will open in Rio de Janeiro, Brazil. Arguably the biggest sporting event after the Olympics – millions of fans around the world will be either tuning in to the telly or heading down to the sunny town of Rio to watch the magic unfold.

By Michelle Brohier

The selection of host country could not have been more apt. Which Football fan doesn’t know the legacy that Brazil has left in the world of Football, having won the most World Cups, appeared in most of the finals and is the only team to be qualified for every tournament since it began in the 1930s? Yet, along with the good news, comes the challenge of actually being ready to host the World Cup. Infrastructure needs to be put in place; people hired and all this – will cost money. It’s fast starting to look like this year’s World Cup in Brazil may also be the most expensive in the World Cup history so far.

The Actual Costs The 2014 World Cup is meant to be held from June 12 to July 13 and the expenditure so far has risen up to an estimated US$11 billion (RM36 billion), which is close to double the amount that was spent for the World Cup in Johannesburg, Africa, which came up to US$4 billion (RM13 billion). US$3.5 billion (RM11.46 billion) is used for the renovation of 12 stadiums and the remaining US$7.5 billion (RM24.6 billion) will be spent on 56 infrastructure projects which include airports and subway lines in several cities. Despite the high expenditure, there have been many delays and there’s still a lot of work to be done, as three more stadiums still need working on and only a few of these infrastructures are ready. When then-President Luiz Inácio Lula da Silva announced the news of Brazil hosting the World Cup in 2007, he promised that no public funds would be used to prepare for the World Cup. But the Brazilian Development Bank predicted that by July, the country will have incurred a US$3.5 billion (RM11.46 billion) in debt due to the World Cup. Host countries overspending for the World Cup is nothing new. When the World Cup was held in Johannesburg, consultancy firm Grant Thornton predicted costs would be just US$300 million. In the end, that amount could not even cover the cost of rebuilding Soccer City, the stadium where the opening and final game took place. So with the cost being this high, why do countries continue to host the World Cup? They believe that the attention and excitement of this event would help the economy in their countries by bringing in tourists and other businesses, new job openings, bringing cash flow and more. But how much can Brazil earn back and can it really cover the US$11 billion (RM36 billion) spent thus far?

Revenue Predictions

Ernst & Young released a rep ort that with the World Cup, Brazil will be producing an additional R$142 billion (RM210 billion) which wou ld be US$64 billion. Their prediction is that Brazil’s economy will snowball, incr easing by five times the total amount inve sted directly in event-related acti vitie s and impacting various industries. The World Cup itself will brin g an additional R$112.79 billion (RM166.83 billi on) to the Brazilian economy. Ove rall, Ernst & Young believes the World Cup will be beneficial to Brazil, making it sustainable. Yet there are those like Dennis Coa tes, professor of Economics at the University of Maryland, who said that tourism does not increase dramatically with such big events like the World Cup. For exa mple, revenues from the World Cup tourism in Germany in 2006 were only US$70 million greater than the previous year. With Korea; which co-hosted the World Cup with Japan in 2002; the number of tourists was the same as the y had been in 2001. While host countries can expect an influx of soccer fans, regular tourists tend to avoid the se countries during the World Cup due to the crowds and high prices. Even the Brazilian Events Associa tion Ferreira agrees as they clai m business trips will also decline during the World Cup as no company in the ir right mind would organise a meeting or con ference during these dates. LAT AM Airlines Group SA as well as Colombia’s Avianca all decided to add extr a flights to Sao Paulo, but judging by the booking s so far, it seems that these fligh ts may end up losing money instead. However, Brazil’s Ministry of Tou rism disagrees. In a report by Forbes, they are confident that Brazil will see an additional US$3.03 billion add ed to the economy during the World Cup . According to the Ministry, 3.7 million tourists are expected to throng the onc e Brazilian capital city; spendin g an estimated US$2,488 per person. In the end, reports are conflicted as to whether or not the World Cup really will benefit Brazil. History has shown time and again that predictions for revenue are only just that: predictions and truly only time will tell.

JUNE 2014

OCTOBER 2013 Jimat Cermat

ASB Kad 2 Kredit?

Haruskah Anda Mendapatkan

ASB

lwn

Apakah perbezaannya? A

Diterjemah oleh: Balkish Rosly

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

Saya Mendapatkan Kad Kredit (Walaupun risiko pemilikannya tinggi?) akan dapat

engan harapan bahawa golongan Bumiputera muda ataumelabur penyebab kejatuhan tanpa risiko seseorang. yang tinggi, Perdana Menteri Datuk Seri Najib Seperti yang kami katakan di atas, kad kredit bukan punca masalah anda. Dengan sedikit disiplin, pemilikan kad kredit boleh memberi banyak manfaat kepada Razak telah melancarkan skim Amanah Saham Bumiputera 2 (ASB 2). HUTANG YANG TIDAK TERURUS ialah punca sebenar masalah kita semua. anda. Ia boleh membantu anda mengawasi perbelanjaan bulanan, menolong Bunyinya mengelirukan, dan pelbagai pihak tertanya-tanya tentang Hutang padaagak asasnya adalah sesuatu yang baik jika diuruskan dengan bijak. Tapi anda membuat bayaran sebelum gaji masuk, memberi pelbagai ganjaran dan jika kita tidak mengambil hal kewangan sendiri, maka kesemua produk ASNB terbarupeduli ini. tentang Di antara persoalan yang banyak dikemukakan juga boleh menolong anda menyimpan wang jika digunakan dengan bijak. hutang ini akan bertukar menjadi hutang “buruk” (dan mimpi ngeri anda!). termasuklah “apakah produk ini?” “Apa perbezaan di antara ASB dan ASB 2?” “Bagaimana untuk melabur ke dalam ASB 2 ini?” dandaripada “Ada pinjaman ASB 2 kah?” Jadi, baca tips-tips berikut untuk untuk mengelakkan diri anda terjebak ke dalam femonena “hutang keliling pinggang”!

Tips

Memiliki Kad Kredit:

Jangan risau, wahai warga JimatCermat sekalian! Kami akan cuba ungkaikan Peringatan Sebelum Memilih Kad Kredit kesemua pertanyaan ini!

1 2 3

Apa itu1. ASB 2?

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

Kad kredit bukan pendapatan tambahan anda! Jadi jangan anda menggunakan kad kredit untuk mendapat menambahkan perbelanjaan harian hanya kerana anda 2. Jika Mengikut ucapan perdana menteri, baki ASB2 pemindahan 0%, pastikan anda tidak terlepas bayaran mempunyai kad kredit. merupakan produk pelaburan amanah minima yangsaham perlu dibayar sepanjang tempoh 0% itu. disasarkan kepada Generasi Y Bumiputera berumur di antara 19 dan 34. •Selain Cuba daripada membukaitu, akaun direct debit untuk bayaran minima mereka yang telah memenuhi kuota sebanyak setiapASB bulan. Dengan cara ini anda boleh mengelakkan Cuba untuk menggunakan kad kredit anda secara200,000 namun ingin untuk membuat pelaburan penalti lewat bayaran / kehilang faedah pembelian 0% minima dan segera langsaikan bil kad kredit bulanan andalanjut juga digalakkan untuk membuka akaun untuk mengelakkan kadar faedah berganda. ASB 2. Sama seperti ASB, setiap unit ialah setiap pelaburan • Pada saatRM1.00 anda dan membuat bayaran memerlukan lewat, kurang sekurang-kurangnya 10 unit dan maksimum 200,000 unit, atau ini bermakna bahawa anda daripada bayaran minima terlupa untuk membuat boleh melabur sehingga RM200,000 di dalam amanah saham kedua-dua ASB dan bayaran, anda akan terus hilangbagi bonus kadar 0% dan akan ASB2. Jadi, bagi mereka yang telah melaburkan 200,000 untuk unit dikad ASBkredit dan masih dikenakan kadarkesemua faedah tertinggi jenis ini. Berhati-hati dengan hutang bulanan kad kredit anda. Jika andamempunyai wang untuk membuat pelaburan lebih, ASB2 merupakan satu alternatif yang unit pelaburanmudah ASNB. 0% selama 12 atau 24 bulan Untuk pelan pembayaran gagal untuk membayar secara penuh setiap bulan, anda kenabaik untuk 3.mendapatkan yang selalu digunakan untuk pembelian seperti telefon bimbit, membayar faedah 13% p.a. – 18% p.a. sebulan! perkakas rumah, dan lain-lain, sentiasa membuat bayaran tepat pada masa pada setiap bulan.

Apa Perbezaan ASB dan ASB 2?

• JIka tidak, anda akan kehilangan kadar 0% yang ditawarkan itu. Elakkan pembayaran lewat kerana ia mungkin mengakibatkan kehilang tawaran kadar faedah rendah, pembayaran denda Perbezaan terbesar ASB dan ASB2 ialah ASB mendapat dana melalui ekuiti, manakala ASB2 mendapat penalti dan/atau menjejaskan penilaian kredit dan permohonan dana melalui aset bercampur-campur, bermakna bukan hanya ekuiti tetapi jaminan 4. pendapatan Pilih kad kredit yang boleh memberikan ganjaran kepada setiap kad kredit anda dimasa hadapan. perbelanjaan anda. tetap dan instrumen pasaran wang juga. Hal ini memberikan ASB2 keadaan pelaburan yang lebih selamat kerana ia memastikan bahawa anda akan mendapat pulangan dengan risiko yang sangat Jika anda banyak berbelanja di tempat tertentu (contoh : anda minimum. Namun begitu, anda perlu ingat bahawa perkataan “pelaburan” ini bermaksud •bahawa Tidak pasti kredit sesuai untuk selalu melancong / anda suka tengok wayang ), carilah kad risiko akan tetapkad wujud, dan andayang masih boleh kehilangan wang anda? pelaburan anda. kredit yang memberikan ganjaran dan keuntungan mengikut Ragu-ragu tentang jenis kad kredit yang mana harus anda pilih? Cuba kuiz kad perbelanjaan anda. kredit kami di bawah! Kami akan melakukan sebaik mungkin untuk mencadangkan kad kredit terbaik untuk anda:

Bagaimana untuk Memohon ASB 2?

Soalan 1:

Soalan 3:

Adakah anda mampu melangsaikan hutang kad kredit Adakah anda mempunyai disiplin untuk menukar kad untuk Sehingga kini, hanya Maybank bertanggungjawab sebagai ajen akaun ASB2 tersebut. Khabar sepenuhnya setiap bulan? mendapat kadar faedah 0%, selalunya setiap 3 hingga 6 bulan? mengenai bank-bank lain mengambil alih akaun tersebut belum diumumkan. Pergi ke Soalan 2 untuk mengetahui cara untuk mengurangkan YA TIDAK Cuba soalan 4. 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.

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.

Berbaloikah ASB 2 ini? Soalan 4:

Buat masa ini, jika anda bumiputera dan masih belum membuka akaun ASB, ia bukan perluakaun menggunakan kadkedua-duanya kredit namun tidaksama. mampu membuat satu keperluan untukAnda membuka ASB 2 kerana hampir Soalan 2: bayaran dan tidak baru setiap kali tempoh risiko dalam ASB 2penuh nampaknya lebihmampu rendah,memohon ASB masihkad menawarkan Adakah anda mampu melangsaikan hutang kad kredit Walaupun sepenuhnya promosi faedah 0% tamat? salah satu kadar faedah tertinggi di Malaysia, dengan pengagihan bersih seunit setiap bulan? 7.70 (sen) daripada 1.00 (sen) bonus seunit. Tidak terdapat adakah Pilihan terbaik untuk diri anda adalahpengumuman untuk memohon kad kredit dengan TIDAK Cuba soalan 3. kadar akan menjadi sama melainkan sedang untuk kadarseperti faedahASB2 paling rendah, jika dananda elakkan kadmencari kredit 0% .Ini kerana setelah mengembangkan portfolio anda, pilihan terbaik masih lagi tempohpelaburan 0% , kadar faedah akan meningkat lebihASB. berbanding kadar faedah Cari kad kredit yang mempunyai promosi faedah 0% dengan YA paling rendah kad kredit yang tersedia. tempoh yang lama! JimatCermat.my ialah laman penjimatan kewangan di Malaysia, sentiasayang berusaha cara-cara untuk anda menjimatkan wang tanpa mengubah cara mengubah hidup andacara danhidup berjimat JimatCermat.my merupakan laman penjimatan kewangankami di Malaysia boleh menyelidik menolong anda menjimatkan sekurang-kurangnya RM1,000 setahun tanpa anda! sekurang-kurangnya RM1,000 setahun!

JUNE 2014

SaveMoney Traveller

The SaveMoney Traveller Goes to Cambodia..

Phnom Penh S

ince our traveller decided to be adventurous, we shall be visiting a province that once held a dark secret - Phnom Penh! To this day, the Cambodian capital remains as one of the key places that tourists usually visit, and it’s not hard to see why. Steeped in centuries of cultural inspiration derived from religious and historical undertones, the province has long fascinated people from both the Western and Eastern corners of the world.

Getting to Phnom Penh itself is pretty straightforward, whether you are entering via neighbouring countries or otherwise: there are always the option of travelling by land (buses and sleeper trains), air (planes) or water (ferries and speedboats). Once in the country, there is no other way of getting around in Phnom Penh unless one were to ride in tuk-tuks, rent motorcycles or take a taxi; be prepared for the heat and extremely dusty conditions. In addition, since the country is still in the midst of development, there will be touts looking to make a quick buck that one has to watch out for, or you’ll end up paying more for that ride to the city! On the plus side, hailing a tuk-tuk or renting a motorcycle is extremely convenient and very easy on the wallet (if found in the right places), offering tourists the flexibility of travelling at any time to almost anywhere. Once known as “Paris of the East” before 1970, Phnom Penh is still blessed with many architectural beauties that have withstood the test of time, such as the Royal Palace and Wat Phnom. Visit the former for a chance to soak in the grandeur of the magnificent buildings and towering stupas; visit the latter to enjoy the intricate Buddhist murals and generally enjoy the sacred hush that envelops the temple. Even the grounds surrounding both these places are worth a visit on its own; they attract many locals and tourists alike with the lush sculpted greenery. For those who have a strong presence of mind and an even stronger stomach, there are the Killing Fields of Choeing Ek and the Tuol Sleng Genocide Museum to visit. Having visited both, this traveller can safely say that she is glad to have emerged unscathed in terms of emotional and mental balance. The Killing Fields were once an orchard that was turned into a place of massacre, where thousands of people were executed, photographed and then buried in mass graves. None were spared – children,

By Caitlyn Ng

women, men, the elderly and the infirmed – many were tortured mercilessly and then slaughtered. The Genocide Museum similarly requires visitors to be just as strong, as the place reeks of fear and death. Formerly a high school, the Khmer Rouge took over the place and converted it into a torture facility. Strangulation with plastic bags, battering with various instruments, lashings with electric wires and suffocation through “waterboarding” were some of the many methods employed. Wat Phnom

After the gruesome and gory glimpse one has had of the grim past, there is definitely a need to relax and de-stress. Head to one of the Seeing Hands massage parlours that’s scattered throughout the city of Phnom Penh for a 1-hour massage by skilled people who are (yes you guessed it) blind. With only their sense of touch to guide them (and sometimes their hearing too, if they pressed too hard on a sore point!), these experienced masseurs will slowly knead all your worries away, leaving you feeling calm once again. You will also be doing a good deed by going for a massage at these parlours: you’re providing business opportunities for these people to become self-sufficient and in turn, they will be able to earn a good, honest living.

Tuol Sleng Genocide Museum

For the ladies who decided that a day of shopping is what they need for therapy, we’ve got you covered! The Central Market (also known as Psar Thmay in the local lingo) that’s located in the heart of the Cambodian capital has four wings to the entire building and a central dome, with almost everything on sale inside that your heart could possibly dream of! From clothes, bags, jewellery and lovely Khmer scarves to electronic equipment, suitcases, foodstuff and watches, you will leave Phnom Penh with more souvenirs than your groaning bag could possibly stand!

Psar Thmay

Assume Depart from Kuala Lumpur to Phnom Phenh per pax; SaveMoney Budget

Mid-Range

Splurge

Air Fare (return/pax)

RM480 – RM600

RM890 – RM1,000

RM1,054 – RM2,000

Accommodation 3D 2N

RM45 – RM145

RM145 – RM385

RM1,445 – RM2,890

Transportation

RM3 – RM10

RM20 – RM30

> RM35

Meals

RM6 – RM20

RM30 – RM50

RM65 – RM130

Entrance Fee for Attractions

RM3 – RM6

RM11 – RM19

RM32 – RM48

Total for 3D 2N

RM537 - RM781

RM1,096 - RM1,484

RM2,631- RM5,103

Budget Traveller: Budget airlines (AirAsia,Tigerair ,etc.), Hostel-2star hotels, public transportation, walk around, enjoy local food, visit free attractions or with minimum fees (donations).

JUNE 2014

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