Vital Money

Create An Investment Portfolio

Wizard — Thu, 25 Aug 2011 04:38:18 +0000

Investing is great. You want to make your money work hard and increase your net worth. The question is how? Most people do not have a strategy to investment. They invest based on how the feel at a particular moment. … Continue reading →

Gold Scam – Another View

Wizard — Sun, 12 Jun 2011 05:05:31 +0000

I spoke to a goldsmith (Mr. A) who offered his view about gold investment. Mr. A owns a goldsmith shop and been in the jewelry business for many years. Many points of our discussion are already covered in this article … Continue reading →

Gold Investment Scam?

Wizard — Mon, 06 Jun 2011 10:06:47 +0000

I was approached by someone about gold investments or gold trading to be more specific. The “investment” is in small gold bars through a company which promised a guaranteed regular return of 1.5% for 6 months. For the money that … Continue reading →

Insurable Interest

Wizard — Thu, 02 Jun 2011 06:43:11 +0000

Before you buy any insurance including both life or on your property, you must have an insurable interest. You have an insurable interest in any property you own or which is in your possession. For purposes of life insurance, everyone … Continue reading →

PruBSN Ummah

Wizard — Fri, 27 May 2011 14:13:18 +0000

PruBSN Ummah is a family Takaful plan designed to cater to Muslims to fulfill their religious obligations as well as for the usual protection and savings. The plan allows for :- a policy holder to withdraw part of their savings … Continue reading →

Increase In Medical Premium

Wizard — Mon, 23 May 2011 08:22:58 +0000

Pacific Insurance Berhad’s brochure for Hospitalization and Surgery (H&S) showed a table at the bottom for increase in premium. The increase ranges from a low of 18% increase to high of 110%. In the table, a note states that premium … Continue reading →

How to Spot and Avoid Scams

Wizard — Thu, 12 May 2011 05:30:49 +0000

Scams sprout out like mushrooms after rain. There are many reasons why scammers do it but we won’t get into that. More important is how to spot them and to avoid them. Email scams You have won, inherited or going … Continue reading →

Cashless Hospital Admission

Wizard — Mon, 09 May 2011 04:33:29 +0000

Most policy holders have the impression that when they buy hospitalization and surgery cover (H&S) with a medical card, they will be guaranteed to be admitted to a hospital. This is not so. While it is a good benefit, many … Continue reading →

36 Critical Illness

Wizard — Tue, 19 Apr 2011 10:03:48 +0000

Here is a list of common 36 critical illness in Malaysia. Note that different insurance companies have slightly different list of illness although the common ones like cancer, heart attack, stroke and coma are the same. AIDS Aplastic Anaemia Appalic … Continue reading →

Types Of Medical Insurance

Wizard — Tue, 19 Apr 2011 09:38:00 +0000

There are 2 main types of medical insurance in Malaysia and usually people get confused which is which. The first type is called Hospitalization and Surgery (H&S) for short and the other is called Critical Illness or Dread Disease. In … Continue reading →