SM Magazine March 2015 by komstudio8

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MARCH 2015

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MARCH 2015

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March 2015

BASICS BACK TO n

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MARCH 2015

Back to Basics: The Save Money Edition

MARCH 2015

Back to Basics: The Save Money Edition

MARCH 2015

Back to Basics: The Save Money Edition

MARCH 2015

Back to Basics: The Save Money Edition

MARCH 2015

Back to Basics: The Save Money Edition

MARCH 2015

Back to Basics: The Save Money Edition

MARCH 2015

Back to Basics: The Save Money Edition

MARCH 2015

Back to Basics: The Save Money Edition

MARCH 2015

Back to Basics: The Save Money Edition

MARCH 2015

Back to Basics: The Save Money Edition

MARCH 2015

Back to Basics: The Save Money Edition

MARCH 2015

Back to Basics: The Save Money Edition

MARCH 2015

Back to Basics: The Save Money Edition

MARCH 2015

Bagaimana Untuk Bersedia Menghadapi Gangguan Air

By Farah Ana

ila tiada air, pekerjaan yang paling mudah pun terasa merenyahkan, contohnya mencuci tangan usai makan tengahari. Terasa menjengkelkan apabila tiada air keluar saat memulas pili air, dan yang paling menyakitkan hati lagi ialah bila tiada air simpanan berada berhampiran yang boleh digunakan untuk menyelesaikan urusan itu. Baru-baru ini, SYABAS mengumumkan gangguan air di sekitar Wilayah Petaling, Hulu Langat, Kuala Langat dan Sepang yang berpunca daripada pencemaran ammonia dan manganese dalam air sungai yang menyebabkan pengeluaran air terawat terganggu. Jadi apabila terdapat pengumuman sebegini, apa yang penting adalah BERSEDIA untuk menghadapi keadaan catuan atau tiada langsung air untuk kegunaan seharian sehingga aliran air kembali normal. Mari kita lihat persediaan-persediaan untuk menghadapi situasi ini.

Sediakan Tempat Menyimpan Air Benda utama yang perlu ada pada setiap rumah dalam persediaan menghadapi gangguan bekalan air adalah bekas yang besar untuk digunakan sebagai tempat menyimpan air. Bekas air paling biasa adalah baldi dan tempayan. Kini terdapat juga tong, ada pelbagai bentuk, warna dan saiz tong air yang sedia dibeli pada pelbagai harga. Yang paling mudah adalah tong air bertangkai bersaiz sederhana kerana ianya boleh diangkut kemana-mana lokasi dengan mudah. Ada juga tong yang lebih besar yang diletakkan di dalam bilik air. Selalunya isirumah akan menadah air kedalam tong besar ini lebih awal sebagai kegunaan waktu kecemasan. Apabila mendapatkan bekas menyimpan air, pastikan ianya bukanlah tong bekas menyimpan bahan kimia kerana anda tidak mahu mendapat masalah kesihatan akibat dari sisa-sisa kimia itu. Kemudian, cari bekas yang tahan lasak dan mempunyai penutup. Ini adalah kerana, bekas tahan lasak tahan lebih lama yang bermaksud penjimatan duit dan rasional kita menutup bekas simpanan air adalah kerana tidak mahu ianya dicemari kotoran atau menjadi tempat pembiakan nyamuk di kemudian hari. Antara contoh bekas simpan air yang ada dipasaran :-

Bekas air ini boleh mengisi sebanyak 25 liter air dan mudah dibawa kemana-mana kerana saiznya lebih kecil dan bertangkai. Dijual pada harga RM5 di mudah.my. Untuk perbandingan, barang yang sama dijual pada harga RM35 di NSK.

Dikenali sebagai tong biru dan boleh mengisi sehingga 120 liter air. Tong ini sukar didapati di kedai-kedai biasa, sebaliknya ramai yang membeli secara atas talian di mudah.my pada harga RM50 seunit.

Tong ini semakin banyak dijual kerana sangat praktikal untuk kegunaan di rumah, bentuknya seakan tempayan dan boleh memuatkan sehingga 13 gelen air (57 liter air) dan boleh dibeli pada harga dalam lingkungan RM60 seunit. Tong jenis ini mudah didapati di pasaraya atau kedai hardware.

MARCH 2015

Simpan Stok Air Minuman Air yang sudah disimpan itu boleh juga digunakan untuk diminum dengan syarat ianya sudah dimasak sehingga mendidih. Tetapi, anda boleh juga menyimpan stok air botol minuman dimana kebersihannya lebih diyakini dan juga lebih mudah untuk digunakan samada untuk memasak mahupun untuk minuman. Air botol minuman atau juga air mineral dalam botol ada dijual secara pukal di pasaraya terdekat. Bagi air mineral berisipadu 600ml jenama Spritzer, berharga RM25.60 sekotak (24 botol). Air botol minuman lebih murah harganya dari air mineral, mana-mana mengikut kegemaran anda. Air minuman dalam botol juga datang dalam pelbagai isipadu untuk kemudahan anda. Boleh lawat e-shop Spritzer yang kini dengan kemudahan pembelian air minuman dan air mineral dalam botol secara atas talian.

Jenis-jenis isipadu botol air minuman/mineral yang kini boleh didapati di pasaran. Tips; harga air minuman dalam botol berbeza-beza mengikut jenama. Ada yang menawarkan harga serendah RM10 sekotak (24 botol x 500ml).

Ambil Tahu Jadual Bantuan Air Bagi kawasan yang terlibat dengan catuan air, selalunya akan ada lori tangki air yang akan datang pada waktu-waktu tertentu untuk membekalkan air kepada penduduk. Adalah lebih baik jika anda memberi perhatian dengan jadual bantuan air supaya anda tidak ketinggalan sewaktu bantuan tiba. Risiko jika kelewatan ialah anda mungkin tidak mendapat bekalan air untuk hari itu. Jika lori tersebut gagal datang ke tempat anda; anda juga boleh memanggil Syabas untuk meminta mereka menghantar lori tangki air untuk penduduk-penduduk tempat kamu.

Gunakan Alternatif Lain Untuk Mencuci Maksudnya disini, selain dari menggunakan air untuk mencuci, terima kasih kepada kemodenan masa kini, ada pelbagai jenis produk di pasaran yang boleh digunakan untuk tujuan pembersihan dimana dapat membantu mengurangkan penggunaan air pada keadaan-keadaan sebegini. Sebagai contoh, anda boleh menggunakan hand sanitizer untuk membersihkan tangan kerana ianya juga berfungsi membunuh 99.9% kuman. Untuk tujuan pencucian pantas, anda boleh juga menggunakan tisu basah untuk mencuci bahagian-bahagian anggota badan yang terkena kotoran (ataupun mandi menggunakan tisu basah, anda boleh berjalan penuh yakin dengan tubuh serba bersih dan wangi walaupun ketiadaan air!). Bukan sahaja berbau harum, ia juga sangat mudah dan murah, boleh dapatkannya banyak-banyak di Kedai RM5 (Daiso).

Lain-lain Cara Bekalan Air

Menghadapi

Gangguan

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Mengambil air dari pejabat, jika pejabat anda tidak mengalami gangguan air;

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Menumpang rumah saudara atau sahabat sehingga masalah gangguan air pulih;

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Untuk menggurangkan penggunaan air untuk mencuci, gunakan barang pakai buang; sudu dan garfu plastik, cawan dan pinggan kertas / polisterina;

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Tangguhkan aktiviti yang melibatkan penggunaan air yang banyak seperti mencuci baju dan mencuci kereta (mahupun pesta air);

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Jika selalu mengalami masalah gangguan air, mungkin tiba masa untuk mempunyai perigi sebagai sumber alternatif air (sesuai bagi mereka yang tinggal di kampung).

Dalam menghadapi situasi gangguan air, kesabaran yang tinggi amatlah penting lebih-lebih lagi jika gangguan itu berlaku bagi tempoh yang panjang. Membiasakan diri dengan teknik-teknik penjimatan air dapat memberi perbezaan besar dalam cara anda menangani keadaan ini. Namun begitu, air adalah keperluan hidup dan apabila kita sudah biasa dengan keadaan air mengalir keluar dari paip, pasti sukar untuk membiasakan diri jika tibatiba pili air di rumah kekeringan.

JimatCermat.my merupakan laman penjimatan kewangan di Malaysia yang boleh menolong anda menjimatkan sekurang-kurangnya RM1,000 setahun tanpa mengubah cara hidup anda!

MARCH 2015

Money Lessons Learned from

the Lord of the Rings and

the Hobbit

Spending 18 collective hours watching 6 movies that are actually just telling two stories seems like a monumental misuse of time to people more keen on doing things like running marathons and gardening. We sought to find the money lessons contained in the movies and we werenâ&#x20AC;&#x2122;t disappointed.

1. Don't Let a Bad Adviser Ruin Your Finances or Any Other Big Decision

n the second LOTR movie, The Two Towers, King Theoden was slowly poisoned by his bad adviser, Grima, a minion of evil Wizard-y Saruman. In time, Theoden lost control of his Kingdom and most everything in it because he trusted his adviser so (well, magic did play a part). Just as kings trust their political advisers; many people implicitly trust their money into the hands of personal finance advisers.

The Money Lesson Care for your financial empire should

always be, at the end of the day, based on your decisions. Whilst personal finance advisers are great to have when you aren't as clued in to finance as you'd like to be; it's important to always take an active interest in decisions made and avoid blindly following everything your adviser tells you.

2. Always Pay Your Debts

hen Aragorn needed help in the final installment of the LOTR Trilogy; he called on the Army of the Dead (the Dead Man of Dunharrow) to help him. The Army of the Dead was cursed by Isildur for taking an oath to help him in the the fight in the War of the Last Alliance but they abandoned him. For not fulfilling their oath; they were cursed to live in the shadows and never know peace. Sounds like what might happen to you if you miss a few loan or credit card payments.

The Money Lesson Debts must be paid.

When you take a loan or make payments on a credit card; you essentially take an 'oath' that you will repay the loan you have taken. In the event you don't; the bank is legally empowered to take every action to have the debt repaid.

MARCH 2015

3. Big Returns Require Big Risk

s anyone keen on investments will tell you; the biggest returns require the biggest risk. In the first Hobbit installment, the Unexpected Journey, Bilbo Baggins was offered 1/14 share of the treasure in the Lonely Mountain and considering how much gold and jewels were in that mountain; that's not a pittance by any means. But of course, he needs to successfully battle a gigantic dragon (albeit not alone).

The Money Lesson Just like Bilbo, if you can accept the risk of, in his case life and limb but in yours financial ruin, you could stand to gain enormous wealth. Investments that are volatile and risky usually have the best yield. But not all hobbits are made for battle like Bilbo; just like not all investors are made able to stomach huge investment risk.

4. Emergency Funds are Important

n the second Hobbit movie, the Desolation of Smaug, the dwarves use their coins to pay Bard the Bowman to help them to safety. This emergency stash of money/gold was enough to secure their safe passage and highlights the importance of saving for a rainy day. It made the difference between dying on that side of the water and getting to Laketown safely.

For Sale,

Auction

non-negotiable and will help you many times out of sticky situation. Even when times seem difficult; saving a little will go a long way when you really need it. Your place of work may be overtaken by a fire-breathing dragon (your boss) but if the dwarves could still save a couple of coins perhaps you could too?

5. Make a Will

t the very end of the Hobbit: the Battle of the Five Armies, Bilbo comes home to find the hobbits of the Shire auctioning off his property. Whilst it was possibly the 'law' of the Shire to deal with the property of a deceased hobbit; the possibility of your relatives having to scramble and fight off creditors and other stakeholders for your property if you pass away without a will, is very real.

The Money Lesson Having an emergency fund is a

The Money Lesson Making a will is important to prevent

the hassle of dependents having to fight over your estate. Add in the complication of banks and creditors and you have a surefire recipe for estate distribution disaster.

6. Material Possessions Shouldn't Control Your Life

he last and most permeating lessons we found in the entire 6 part epic saga of our time; is that greed and allowing material possessions to enslave you is a major no-no. You can't watch either of these trilogies without seeing this giant message/lesson blared everywhere. Whether it's Thorin Oakenshield's madness over the Arkenstone and his gold or Gollum's obsession with the ring: neither obsession did either of them any good and for Gollum; he followed the madness into the fires of Mordor.

The Money Lesson The obsession with materialism can

often cause problems in other areas of life especially when we spend inordinate amounts of money on collecting items for a hobby or if the pursuit of rare and expensive items overtakes everything else that should be important. It's awesome to have passions and hobbies but it's only when it consumes us that it becomes a problem. We may not be literally plunged into a pit of fire or be hunted by a gold-greedy dragon; but we hear credit collection agencies can be pretty ruthless.

Whilst it may seem like nothing but good entertainment for a particularly boring weekend; the two Trilogies of LOTR and the Hobbit are a chock-ful of interesting life parallels; morals and lessons to take away. After all, art very often imitates life - or was it the other way around?

Credit Cards + Personal Loans + Home Loans + Car Loans + Insurance + Internet. This was brought to you by Diana Chai 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.

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