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2015 OCTOBER
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OCTOBER
2015
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OCTOBER 2015
SaveMoney Marathon Edition
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OCTOBER 2015
SaveMoney Marathon Edition
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OCTOBER 2015
SaveMoney Marathon Edition
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OCTOBER 2015
SaveMoney Marathon Edition
Cost Summary 14 small bags of ice from home freezer: RM3 Doctor Consultation + Medication (Ibuprofen & other drugs): RM25 Compression Bandage: RM12 Approximate Total Cost of Treatment: RM40
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SaveMoney Marathon Edition
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SaveMoney Marathon Edition
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SaveMoney Marathon Edition
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OCTOBER 2015
SaveMoney Marathon Edition
Race Categories
Start Time
Venue
Warm-ups for Full Marathon
4:00 am
Dataran Merdeka
Race technical/ Safety announcements
4:15 am
Dataran Merdeka
Full Marathon (42.195 km)
4:30 am
Dataran Merdeka
Warm-ups for Honda Half Marathon
5:30 am
Dataran Merdeka
Race technical/ Safety announcements
5:45 am
Dataran Merdeka
Honda Half Marathon (21.1 km)
6:00 am
Dataran Merdeka
Warm-ups for MSIG 10 km Speed
6:15 am
Jalan Tuanku abdul Rahman (Jalan TAR)
MSIG 10 km Speed
6:45 am
Jalan Tuanku Abdul Rahman (Jalan TAR)
MSIG 10 km Cruise
7:15 am
Jalan Tuanku Abdul Rahman (Jalan TAR)
Corporate, Ministries & Universities Challenge
7:15 am
Jalan Tuanku Abdul Rahman (Jalan TAR)
MSIG 10 km Leisure
7:45 am
Jalan Tuanku Abdul Rahman (Jalan TAR)
5 km Fun Run & Seeing Is Believing Run
8:45 am
Jalan Tuanku Abdul Rahman (Jalan TAR)
3 km Kids Dash
8:50 am
Royal Selangor Club
1 km Kids Dash
8:55 am
Royal Selangor Club
Category
Time
Full Marathon (42.195km)
6.45am
Honda Half Marathon (21.1km)
7.05am
MSIG 10km Speed
7.05am
MSIG 10km Cruise
8.00am
MSIG 10km Leisure
8.30am
Corporate, Ministries and Universities Challenge
8.15am
5km Fun Run
9.10am
3km Kids’ Dash
9.10am
1km Kids’ Dash
9.00am
Race Categories
Start Time
Venue
MSIG 10km Men’s and Women’s Speed Open Awards
8:15 am
Dataran Merdeka
Honda Half Marathon Men’s & Women’s Open Awards
8:30 am
Dataran Merdeka
Full Marathon Men’s & Women’s Open Awards
8:45 am
Dataran Merdeka
MSIG 10km Men’s & Women’s Speed Veteran Awards
9:15 am
Dataran Merdeka
Honda Half Marathon Men’s & Women’s Veteran Awards
9:30 am
Dataran Merdeka
Honda Half Marathon Men’s & Women Malaysian Awards
9:45 am
Dataran Merdeka
Full Marathon Men’s & Women Veteran Awards
10:00 am
Dataran Merdeka
Full Marathon Men’s & Women’s Malaysian Awards
10:15 am
Dataran Merdeka
Corporate Challenge Awards
10:30 am
Dataran Merdeka
Ministries Challenge Awards
10.45 am
Dataran Merdeka
Universities Challenge Awards
11.00 am
Dataran Merdeka
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SaveMoney Marathon Edition
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SaveMoney Marathon Edition
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SaveMoney Marathon Edition
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SaveMoney Marathon Edition
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SaveMoney Marathon Edition
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SaveMoney Marathon Edition
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OCTOBER 2015
#GetMore #SaveMore
E F I L R U O Y P U Z Z s e r JA p s Ek n a m a j n i P y s a E h t i w
s e t u n i m 0 1 r n a i C h a n i Cas W and
IN COLLABORATION WITH
OCTOBER 2015
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5 Accommodation Alternatives for a Cheaper Holiday
VACANCY Hotels aren't the only option when on holiday. These alternative accommodation ideas could not only save you a lot of money; it may offer you so much more than a stay.
1. AirBnb
However, do be clear with the landlord that you are only interested in a short lease and make sure your agreement is sufficiently documented.
It's impossible at this point to not have heard of AirBnb. The website offers rooms and apartments rented out by individuals to prospective holiday makers and thus offer great locations, properties and rooms for a cheaper price than commercial properties such as hotels or bed and breakfast inns. Not all rooms listed are cheap though, so a little sifting is important.
4. Social Media 'Couchsurfing'
More than cheap, AirBnb offers value. You might pay the same price at a 2-star hotel but score a 5-star quality place. Some hosts go the extra mile of providing food and tips on the town/city's best kept secrets. The devil is in the details so do read all the terms and reviews to make the best decision.
2. Couchsurfing Couchsurfing used to be extremely popular in the early days until a lot of bad press bogged it down. But if you're lucky, you can still find great hosts in countries all over the world willing to provide you free lodging and even play tour guide in exchange for your company. Couchsurfing does recommend that its members buy hosts meals and/or gifts in return for the free stay but this cost is still miles cheaper than booking a room. Couchsurfing works on the concept of 'exchanging hospitality' so good hosts are often willing to go the extra mile to make your visit memorable by showing you around the city or giving you tips on the best places to go. However, do take note of Couchsurfing's safety recommendations when staying at the home of a stranger especially if you are a single lady traveller.
3. Short Term Apartment Rentals If you are planning to stay a few weeks in a town - you can always check out the local classifieds. Many landlords are open to the idea of renting their serviced apartment or condo to travellers during periods when they have no tenants as some rent is always better than none!
If staying with strangers isn't something you fancy doing - why not hit up the hundreds of people on your friend list who may be staying in the town/city you are planning to visit? With many people choosing to live and work overseas, you may be surprised to find a long-lost school mate in the country you're travelling to. Some Malaysians have started posting shoutouts on their social media searching for hosts among their friends willing to host them in exchange for a meal or a bottle of wine. Considering that these are people in your social circle, the risk is vastly reduced when compared to stranger couchsurfing. The feasibility of the situation will also depend on how wide your social circle.
5. Academic Housing and Hostels Many students go home for the summer or during other long breaks. If you happen to be travelling at that time - it's worth checking out if the hostels are available for rent. The rooms will not be fancy but they are usually to be safe, comfortable and cheap. They will also tend to be close to public transport and towns where you can easily find food, bars and entertainment spots. Finding a suitable place may be more tedious. You will need to do some research on hostels and campus housing in the area you are visiting and then giving them a call/dropping an email. A quick Google should help as well but sites may not have the full list of available rooms/hostels. If all else fails and you find yourself booking into the same old hotel - don't worry. You can still save a killing by inquiring about seasonal promos or those linked to your credit card. Many credit cards offer percentage discounts or free night stays at select hotels but you won't know this unless you ask.
Credit Cards + Personal Loans + Home Loans + Car Loans + Insurance + Internet. This was brought 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 Ascension Lab or Saving Experts 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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OCTOBER 2015
Top Product Tables
Finance Top Personal Loans in Malaysia for Government/Government Linked Company Employees (assuming amount borrowed=RM10,000) Tenure: 1 Year 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
BSN
BSN SKAP
RM3,000
3.49% p.a.
6.38% p.a.
RM862
RM349
Unsecured 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
Agrobank
Agrobank AgroCash-i
RM3,001
6.79%p.a.
12.31%p.a.
RM890
RM679
Unsecured Islamic Loan
Alliance Bank
Alliance Bank CashFirst Personal Loan
RM3,000
6.88%p.a.
12.47%p.a.
RM891
RM692
Unsecured Loan
Tenure: 3 Years 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
BSN
BSN SKAP
RM3,000
3.49% p.a.
6.58% p.a.
RM307
RM1,047
Unsecured 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
Tenure: 5 Years Bank
Product Name
Min. Income
Interest Rate
Effective Rate
Monthly Repayment
Interest Paid Over 5 years
Type
BSN
BSN SKAP
RM3,000
3.79% p.a.
7.05% p.a.
RM198
RM1,895
Unsecured Loan
MBSB
MBSB Personal Financing-i
RM3,500
3.80% p.a.
7.07% p.a.
RM198
RM1,900
Unsecured Islamic Loan
Ambank Islamic
AmBank Personal Financing-i
RM1,500
4.80% p.a.
8.81%p.a.
RM207
RM2,400
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
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
Top Personal Loans in Malaysia for Self Employed/Salaried Employees (assuming amount borrowed=RM10,000) Tenure: 1 Year 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
4.95%p.a.
9.01%p.a.
RM875
RM495
Unsecured Islamic Loan
Alliance Bank
Alliance Bank CashFirst Personal Loan
RM3,000
6.88%p.a.
12.47%p.a.
RM891
RM688
Unsecured 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
Al-Rajhi Bank
Al-Rajhi Personal Financing-i
RM5,000
7.50%p.a.
13.57%p.a.
RM896
RM750
Unsecured Islamic Loan
Bank Islam
Bank Islam Personal Cash Line-i
RM1,500
7.85%p.a.
14.19%p.a.
RM899
RM785
Secured Islamic Loan
Min. Income
Interest Rate
Effective Rate
Monthly Repayment
Interest Paid Over 3 years
Tenure: 3 Years Bank
Product Name
Type
Bank Rakyat
Bank Rakyat Personal Financing-i Private
RM2,000
4.95%p.a.
9.22%p.a.
RM319
RM1,485
Unsecured Islamic Loan
BSN
BSN Executive-1
RM5,000
5.59%p.a.
10.36%p.a.
RM324
RM1,677
Unsecured Loan
Alliance Bank
Alliance Bank CashFirst Personal Loan
RM3,000
6.88%p.a.
12.62%p.a.
RM335
RM2,064
Unsecured Loan
Hong Leong Bank
Hong Leong Personal Loan
RM2,000
7.10%p.a.
13.00%p.a.
RM337
RM2,130
Unsecured Loan
Al-Rajhi Bank
Al-Rajhi Personal Financing-i
RM5,000
7.50%p.a.
13.69%p.a.
RM340
RM2,250
Unsecured Islamic Loan
Min. Income
Interest Rate
Effective Rate
Monthly Repayment
Interest Paid Over 5 years
8.27%p.a.
RM204
RM2,245
Unsecured Loan
Tenure: 5 Years Bank
Product Name
Type
BSN
BSN Executive-1
RM10,000
4.49%p.a.
Bank Rakyat
Bank Rakyat Personal Financing-i Private
RM2,000
5.44%p.a.
9.90%p.a.
RM212
RM2,720
Unsecured Islamic Loan
Alliance Bank
Alliance Bank CashFirst Personal Loan
RM3,000
6.88%p.a.
12.31%p.a.
RM224
RM3,440
Unsecured Loan
Hong Leong Bank
Hong Leong Personal Loan
RM2,000
7.10%p.a.
12.67%p.a.
RM226
RM3,550
Unsecured Loan
Al-Rajhi Bank
Al-Rajhi Personal Financing-i
RM5,000
7.50%p.a.
13.32%p.a.
RM229
RM3,750
Unsecured Islamic Loan Source: SaveMoney.my, Banks (As of 29th September, 2015)
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OCTOBER 2015
Top Product Tables Fixed Deposit Top 1-month FD rates in Malaysia 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
3.48%
3.48%
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
Maybank Islamic
Maybank Islamic Fixed Deposit-i
Standard
RM5,000
3.25%
3.25%
RM135
PIDM
Top 3-month FD rates in Malaysia Bank Name
Product Name
FD Type
Minimum Deposit
Advertised Interest Rates
Effective Interest Rates
Interest on RM50,000
Depositor’s Insurance?
RHB
RHB Ordinary Fixed Deposit
Standard
RM10,000
3.85%
3.85%
RM481
PIDM
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
Top 6-month FD Rates in Malaysia Bank Name
Product Name
FD Type
Minimum Deposit
Advertised Interest Rates
Effective Interest Rates
Interest on RM50,000
Depositor’s Insurance?
OCBC
OCBC Local Deposit Deal
Standard
RM10,000
4.00%
4.00%
RM990
PIDM
RHB Islamic
RHB Islamic Commodity Murabahah Deposit-i
Standard
RM10,000
3.95%
3.95%
RM987
PIDM
Bank Rakyat
Bank Rakyat Term Deposit Account-i
Standard
RM500
3.90%
3.90%
RM975
DFIA
Affin Bank
Affin FD Plus
Standard
RM10,000
3.86%
3.86%
RM965
PIDM
MBSB
MBSB Fixed Deposit for 49'ners Club
Standard
RM1,000
3.55%
3.55%
RM888
MBSB
Top 9-month FD rates in Malaysia Bank Name
Product Name
FD Type
Minimum Deposit
Advertised Interest Rates
Effective Interest Rates
Interest on RM50,000
Depositor’s Insurance?
RHB Islamic
RHB Islamic Commodity Murabahah Deposit-i
Standard
RM10,000
4.10%
4.10%
RM1,538
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
3.89%
3.89%
RM1,459
PIDM
MBSB
MBSB Fixed Deposit for 49'ners Club
Standard
RM1,000
3.65%
3.65%
RM1,369
MBSB
Mach by Hong Leong Bank
Mach Fixed Deposit
Standard
RM1,000
3.50%
3.50%
RM1,313
PIDM
Top 12-month FD rates in Malaysia Bank Name
Product Name
FD Type
Minimum Deposit
Advertised Interest Rates
Effective Interest Rates
Interest on RM50,000
Depositor’s Insurance?
Bank Rakyat
Bank Rakyat Term Deposit Account-i
Standard
RM500
4.15%
4.15%
RM2,075
DFIA
Affin Bank
Affin Bank FD Plus
Standard
RM10,000
3.92%
3.92%
RM1,960
PIDM
Agrobank
Agrobank Fixed Return Investment Account-i
Standard
RM1,000
3.70%
3.70%
RM1,850
PIDM
Mach by Hong Leong Bank
Mach Fixed Deposit
Standard
RM1,000
3.60%
3.60%
RM1,800
PIDM
Bank Islam
Bank Islam Term Deposit-i
Standard
RM500
3.60%
3.60%
RM1,800
PIDM
Source: SaveMoney.my, Banks (As of 29th September, 2015)
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FIXED DEPOSITS
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OCTOBER 2015