2010/07/09
BANK Negara Malaysia akan mengemukakan cadangan akhir rangka kerja bagi skim perlindungan insurans kenderaan bermotor pihak ketiga (TPBID) yang baru untuk pertimbangan kerajaan, pada Disember ini.
Dalam kenyataannya semalam, bank pusat itu berkata, cadangan berkenaan adalah berpandukan kepada empat prinsip iaitu memastikan pemilik kenderaan boleh mendapatkan perlindungan asas; menyedia-kan perlindungan asas pada premium berpatutan; terus menyediakan perlindungan tambahan secara sukarela selain perlindungan asas; dan menghasilkan penyelesaian tuntutan lebih cepat.
Sebagai skim asas, satu daripada ciri dicadangkan ialah mengehadkan liabiliti di bawah skim TPBID itu supaya pampasan dibayar boleh dihadkan, contohnya RM2 juta bagi setiap mangsa yang cedera atau kematian.
Pampasan ini juga tertakluk kepada had berdasarkan kategori kerugian masing-masing seperti kecederaan diri, penjagaan kejururawatan dan kehilangan mata pencarian, katanya.
Jelasnya, dua pilihan telah dibentangkan kepada pihak berkepentingan yang utama bagi mendapatkan maklum balas, yang mana senario A mencadangkan skala pampasan tetap dengan akses kepada mahkamah yang terhad.
Menerusi senario itu, dicadangkan premium tidak dinaikkan dan penyelesaian tuntutan lebih cepat.
Senario B pula mencadangkan pampasan berjulat dengan akses sepenuhnya kepada mahkamah seperti sistem yang ada, dan ini membabitkan kenaikan premium yang berpatutan.
Katanya, cadangan rangka kerja TPBID itu hasil perbincangan awal Bank Negara dan Kementerian Kewangan dengan pihak berkepentingan pada April lalu.
Susulan itu, satu kertas perbincangan menjelaskan kewajaran bagi mencadangkan skim asas, prinsip panduan, objektif dan ciri umum yang dalam pertimbangan disiarkan dalam laman web Bank Negara untuk membolehkan orang ramai memberikan maklum balas terhadap skim ini.
Friday, July 9, 2010
Tuesday, January 5, 2010
Debt Protection
1st important area that we should consider and do before start planning your lifestyle is Debt Protection.
1. Most graduate took education loan. Whether it was from PTPTN, education loan, bank loan, personal loan or using your own saving. it still a debt and it need to be protected against uncertainty in life.
Menurut Islam "Tidak sampai roh orang yg meninggal dunia ke langit kecuali sehingga semua hutangnya dilangsaikan melalui waris atau dihalalkan oleh si pemiutang".
2. The moment you start work, the first thing you do is usually buying a vehicle. whether it is a motor bike, bicycle, car or MPV it's still a debt that you owe from the financial institution.
3. Not even finishing your hire purchase loan, you already plan to buy a home. Again you start owing your second big debt from your Employer or financial institution.
4. The moment your salary/income already reach RM2500 and above , the bank start calling you and offering you a Credit Card. Again you start a new Debt habit system.
5. After few months nopt even years, your spending on your credit card already reach the maximum limit. Then you start taking another personal loan to setle your Credit Card....
6. The worst thing, after having good income your pun mau ada better lifestyle. Start another loan, buying another house and keep it..thinking of the 2nd home is for your children. End up you paying the installment the house abandoned bacause the Developer got a financial problem. The goals of investing in property now become more burden to you because you still have to pay for the interest and the house is not completed.
7. Finally even worst..because money not enough, you start using your children education savings, ASB, ASN, insurance etc to setle off your debt. Before you could finish your debt your eldest son/daughter already want to go to Higher Institution and need a money. Another episode of debt start rounding again. What a pity.
8. Dear readers... what I wrote here is not to entertain your reading lesure neither keep you follow my blog but this is a true story and what happen to most of the people out there...I hope this could make you understand and see the scenario when you do not plan and discipline yourself. Understand that most people dont have that good discipline , my advise pls find people who could guide and discipline you to follow your suitable and right financial planning for you.
9. Adviser who is qualified and experienced is the right person to deal with.
1. Most graduate took education loan. Whether it was from PTPTN, education loan, bank loan, personal loan or using your own saving. it still a debt and it need to be protected against uncertainty in life.
Menurut Islam "Tidak sampai roh orang yg meninggal dunia ke langit kecuali sehingga semua hutangnya dilangsaikan melalui waris atau dihalalkan oleh si pemiutang".
2. The moment you start work, the first thing you do is usually buying a vehicle. whether it is a motor bike, bicycle, car or MPV it's still a debt that you owe from the financial institution.
3. Not even finishing your hire purchase loan, you already plan to buy a home. Again you start owing your second big debt from your Employer or financial institution.
4. The moment your salary/income already reach RM2500 and above , the bank start calling you and offering you a Credit Card. Again you start a new Debt habit system.
5. After few months nopt even years, your spending on your credit card already reach the maximum limit. Then you start taking another personal loan to setle your Credit Card....
6. The worst thing, after having good income your pun mau ada better lifestyle. Start another loan, buying another house and keep it..thinking of the 2nd home is for your children. End up you paying the installment the house abandoned bacause the Developer got a financial problem. The goals of investing in property now become more burden to you because you still have to pay for the interest and the house is not completed.
7. Finally even worst..because money not enough, you start using your children education savings, ASB, ASN, insurance etc to setle off your debt. Before you could finish your debt your eldest son/daughter already want to go to Higher Institution and need a money. Another episode of debt start rounding again. What a pity.
8. Dear readers... what I wrote here is not to entertain your reading lesure neither keep you follow my blog but this is a true story and what happen to most of the people out there...I hope this could make you understand and see the scenario when you do not plan and discipline yourself. Understand that most people dont have that good discipline , my advise pls find people who could guide and discipline you to follow your suitable and right financial planning for you.
9. Adviser who is qualified and experienced is the right person to deal with.
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