#TAKAFUL ni bukan soal berapa anda bayar sebulan, tetapi berapa JUMLAH Perlindungan. Omputih kata SUM COVER.
Itu lah nilai tunai pampasan yang anda atau waris akan perolehi jika berlaku ujian sakit, hilang upaya kekal atau kematian.
RM700K Sum Cover/Hibah. Apa perlindungan kewangan yang client ni dapat? ✅ Hilang Upaya Kekal/TPD - RM700, 000 ✅ Sakit kritikal/CI - Sijil PERCUMA hingga tamat tempoh sumbangan. ✅ Kematian biasa - RM700, 000 untuk waris. ✅ Kematian akibat kemalangan 200% drp Sum Cover - RM1.4 Juta untuk waris. ✅ Kematian akibat kemalangan kenderaan awam 🚆🚌✈️ 300% drp Sum Cover - RM 2.1 Juta untuk waris. ✅ Kematian akibat bencana alam 600% drp Sum Cover - RM4.2 Juta untuk waris. ✅ Jika client sihat wal afiat sepanjang tempoh sijil, dia akan perolehi semula simpanan + return + booster 20% sebagai wang pencen.
Tempoh matang sijil yang client ni pilih ialah 70 tahun. Instead of 80 tahun atau 100 tahun.
Dan, tempoh sumbangan (caruman) yg dipilih hanya 10 tahun. Instead of 5 tahun, 20 tahun atau sepanjang tempoh sijil.
So, next 10 years, dia dah tak payah fikir nak bayar utk HIBAH takaful dah, coverage jalan hingga usia 70 tahun. Best kan. Bayar tempoh pendek, cover tempoh panjang.
Dia ada cakap, saya tak banyak harta, kalau ada pun akan berbahagi mengikut Faraid. Hutang pun banyak lagi. Tak tau la apa yg akan tinggal pada isteri dan anak2. So, ini lah jalan dipilih untuk persediaan " #fastmoney" jika berlaku apa2 pada dirinya.
Kiraan mengikut income tahunan client lah. Untuk maintain lifestyle keluarganya yang sekarang. Jika dia TIADA esok, RM700K tunai sudah tersedia untuk keluarganya.
Nak tau berapa Hibah kita perlu untuk keluarga kita, boleh text sini OK.
AIA PUBLIC TAKAFUL
The spirit of México goes great in a margarita or other tequila-based cocktail, but the depth of flavor and history within the very best tequilas cannot be matched.
We had several tequila and mezcal boots in Sabor a Cabo.
I often talk about tequila, mezcal and Mexican wines in my newsletters. Sign up at 👉🏻 www.lifestyleincabo.com
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These are the days... the hustle days when you work hard but also have amazing fun. These are the days where business are made and the networks grow. These are the days where you have to dig deep but you know it will all be worth it. .
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Be present and enjoy the journey. .
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The Fire Starter
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It is difficult to stay strong all the time, so I dive into self-care (like a coffee-drink on Fridays), self-development and self-love. You must if you're going to keep plowing through: "Use the naysayers as guides and the haters as fuel. Do not fight them, and certainly never tame your obsessions. Obsessed people aren't looking for permission or approval... instead their inner resolve makes them solidify space, explode ideas and trespass boundaries." "Massive Suceess is the Ultimate Revenge."
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I stepped back into a corporate environment for the past 4 weeks to make, what I thought, would be extra cash for Christmas.
After all the deductions, the first paycheck for 80 hours work was abysmal. How do people support their families on this?
Here is what I've learned and what I've heard from others who are sacrificing their time and health for this corporation:
* the way employees are undervalued is heartbreaking.
* the experience is soul-crushing
* the corporate goal to make bonuses for executives at the expense of its employees is shameful
* to deny employees benefits due to legitimate work-related, injuries is inhumane and greedy
Here's the good news:
* there IS a better way to create freedom with a home-based business
* the exit plan is REAL
* you CAN earn a passive income that surpasses what someone else decides you're worth
* time and financial freedom go hand in hand
* respect, integrity, validation, support, comraderie, collaboration and FUN await YOU. 😁
I have made a solemn commitment to dive into my business 100% and bring as many people I can with me. So many people I've met need this.
You deserve a life of your own choosing. Be open to what's out there for you.
Retirement can seem confusing, but it's only as complicated as you make it. Investing early and often is way more important than having the "perfect portfolio." You can start off by getting your company's 401(k) match and maxing out a Roth IRA at a reputable mutual fund company. Your future self will thank you! You can learn even more about 401(k)s and IRAs by clicking the link in our bio.