VIP MEDICAL CARD AIA

✔"ZERO" Co-Payment / Deposit bill
✔Hanya Perlu "SWIPE" Untuk Guarantee Letter
✔Pakej Individu Atau Keluarga
✔Coverage sehingga RM1.25 Juta Setahun
✔Tiada Had Tahunan
✔Pembebasan Cukai Pendapatan (max.RM3000)

**Summary Quotation
💳Individu- RM62/sebulan
💳Suami Isteri- RM128/sebulan
💳Satu Keluarga (Suami isteri & 4 orang anak)- RM318/sebulan
💳Ayah & 4 orang anak- RM259/sebulan
💳Ibu & 4 orang anak- RM265/sebulan

•  PM/Whatsapp/Call Saya 014-2938246 Untuk Free Quotation & Pertanyaan
•  Area Kuala Lumpur, Selangor & Negeri Sembilan boleh arrange untuk appointment.

PELABURAN BIJAK

Dana pelaburan yang memberi purata 12-15% DIVIDEND SETAHUN!! like emoticon

♛Pelaburan Jangka Masa Sederhana & Panjang
Minimum RM150/sebulan (Regular Premium)

eg: Anda melabur RM200/sebulan selama 20 tahun = RM48,000 tapi mendapat PULANGAN SEBANYAK RM 219,117!!

***BAYANGKAN NILAI DALAM ACCOUNT BALANCE SEKIRANYA ANDA MELABUR LEBIH***

✔Dijamin oleh PIDM sehingga RM500,000
✔Tiada CCRIS
✔Tiada Cukai Keuntungan
✔Tiada Kos Pengeluaran
✔Pengeluaran nilai dalam account pada bila2 masa.
✔DAN YANG PENTING, PELABURAN MENEPATI SYARIAH.

# Whatsapp/Call/Inbox Terus 014-2938246 (SABRAN) untuk sebarang pertanyaan.
# Area Kuala Lumpur, Selangor & Negeri Sembilan boleh arrange untuk appointment.

TAHUKAH ANDA??

Semasa hidup,segala yang kita miliki dipanggil sebagai HARTA.

TAPI, apabila berlaku kematian.. HARTA tersebut akan berubah menjadi HARTA PUSAKA.

Sebagai orang Islam, kita perlu mengikuti hukum faraid (pembahagian harta pusaka). Jika tidak, kita akan termakan/ terambil hak bagi harta pusaka tersebut..maka jatuhlah hukum HARAM & BERDOSA!!

p/s: Sekira sudah berwasiat, bergantung kepada kandungan wasiat tersebut. like emoticon .

Tanpa wasiat, segala harta akan BEKU dan dibawah jagaan AMANAH RAYA.

PELABURAN HIBAH

Setiap harta yang kita miliki akan BEKU apabila kita TIADA LAGI.

Jadi, APALAH GUNANYA kita berusaha untuk menyimpan segala harta kita, tapi tidak boleh digunakan oleh keluarga TERSAYANG.

Antara Contoh HARTA yang boleh di BEKUKAN:
1.Savings Dalam Bank
2.ASB Savings
3.EPF (Sekiranya salah satu penama dalam senarai tiada lagi, sewaktu pemilik meninggal)
4.Harta seperti Rumah & Kereta ( Sekiranya tiada Insurance Perlindungan)

KEMATIAN itu adalah PASTI!!
"Di mana jua kamu berada, maut akan mendapatkan kamu (bila sampai ajal), sekalipun kamu berada dalam benteng-benteng yang tinggi lagi kukuh.(Surah an-Nisaa’: ayat 78)"

♛Di sini, kami ingin menolong saudara Islam kita untuk menyediakan PELABURAN HIBAH. Seakan tabung kita disediakan untuk kita MENDERMA kepada keluarga tersayang@ sesiapa kita mahu.

Kelebihan PELABURAN HIBAH like emoticon
✔ Tidak boleh dibekukan.
✔ Pelaburan dijamin pulangan & tabung hibah ( 2 in 1)
✔ Tidak memerlukan sebarang penulisan wasiat
✔ Minimum menyimpan adalah RM500/ sebulan
✔ Menyimpan HANYA untuk 10 TAHUN, tapi menikmati keuntungan pelaburan selama 25 TAHUN!! glasses emoticon
✔ Sudah TERBUKTI kelebihan & pulangan Pelaburan HIBAH.

**REGISTERED FINANCIAL CONSULTANT**

# Whatsapp/Call/Inbox Terus 014-2938246 untuk sebarang pertanyaan.
# Area Kuala Lumpur, Selangor & Negeri Sembilan boleh arrange untuk appointment.

A-Enrich Gold-i

✔BAYAR HANYA 10 TAHUN SAHAJA.
✔Nikmati keuntungan pelaburan selama 25 tahun.
✔Setiap tahun terima GUARANTEED cash payout tinggi (165%)
✔Pembebasan cukai pendapatan max RM6000 setahun
✔Pengeluaran bila-bila masa
✔Tiada CCRIS CTOS

# PM/Whatsapp/Call Saya Untuk Pertanyaan (SABRAN 014-2938246)
# Area Kuala Lumpur, Selangor & Negeri Sembilan boleh arrange untuk appointment.

KISAH 3 JENIS KAD

"Alkisah, Mamat berumur 28 tahun dan bekerje sebagai executive dalam sebuah company. Matlamat hidup dia adalah untuk mendapatkan sebuah rumah, sebuah kereta dan ingin kawin akhir tahun ni.

Selama dia bekerje untuk 4 tahun, dia telah membuat savings sendiri sebanyak RM30,000. Satu pagi, Mamat bangun dari tido dan berasa sakit pada bahagian dada. Pada mulanya, Mamat berfikir.. "oh,ini sakit biasa je". Jadi selama 2 hari dia tahan sakit. Masuk hari ketiga, dia pergi untuk membuat medical check up.

Selepas diperiksa doktor, rupanya Mamat menghidap kanser paru-paru. Kos rawatan dia dianggarkan sebanyak RM 85,000. Mamat mula membuka dompet dia.

Kad pertama Mamat pegang ialah kad kredit. Dalam hati Mamat berkata " kalau guna kad kredit ni, baru cover RM10,000. Baki rawatan still kena bayar, dah la siap ade interest bank lagi." Mamat pon simpan kad kredit tersebut.

Kad kedua ialah kad debit. Dalam akaun Mamat ada RM30,000. Takkan Mamat nk bayar kos rawatan mengunakan duit simpanan dia utk masa depan yang selama ni dia susah payah simpan. Mamat mengeluh.

Kad ketiga ialah Medical Card AIA. Mamat pegang kad tersebut sambil tersenyum. "Eh, kad ni yg setiap bulan aq bayar.. RM 72. Tapi dalam kad ni adalah coverage sehingga RM125,000. Boleh guna ni,boleh guna! Alhamdulilah... Dh x pening2 nk keluarkn duit simpanan untk kos rawatan.

Mamat pon pergi ke kaunter khas AIA dan "swipe" kad tersebut. Tak sampai beberape minit, dah masuk hospital untk rawatan."

MEDICAL COST INCREASE BY 15% EVERY YEAR

REAL COST OF EDUCATION

To those who have baby children or anyone you know, let's get to know the REAL COST OF EDUCATION in 18 years time.

Thinking to save in ASB (8%) , TABUNG HAJI (8% ) & SSPN (4%) ??

WHY WANNA WASTE YOUR PRECIOUS TIME & MONEY WHEN AIA PROVIDE RETURN OF 17% DIVIDENDS FOR THE PAST 10 YEARS.

PERSONAL PROTECTION

Common reason given by others, but I neva failed to change their mindset for their future.

PERSONAL PROTECTION IS ALWAYS BETTER THAN DEPENDING ON OTHERS.

Thanks for being my clients.

Takaful?

PURATA SERAMAI 18 ORANG MATI SETIAP HARI DALAM KEMALANGAN JALAN RAYA DI SELURUH NEGARA, MENURUT STATISTIK 2014,JABATAN PENGANGKUTAN JALAN (JPJ). 

 "Malang tidak berbau".

 Betul tapi apakah yang boleh dilakukan untuk meringankan beban & kesedihan keluarga?

 ✔Ambil inisiatif untuk belajar & fahami kelebihan takaful sebelum terlambat. 

Contact saya untuk sebarang pertanyaan. Terima kasih

PERLINDUNGAN TAKAFUL

SUDAHKAH ANDA MENDAPATKAN PERLINDUNGAN TAKAFUL SECUKUPNYA? 

 ✔Jaminan Kewangan Sekiranya Tidak Boleh Bekerja 
✔Ahli Keluarga Terjamin Sekiranya Musibah Berlaku Pada Anda
 ✔Wang Secukupnya Untuk Membayar Bil Hospital Yang Mahal 
✔Sedekah Amal Jariah (Saham Akhirat) 

SAYA MENYEDIAKAN PLAN TAKAFUL AIA MENGIKUT KEPERLUAN & KEWANGAN ANDA. 

USAHA DULU,BARU BERTAWAKAL

We are not immortal.

"USAHA DULU,BARU BERTAWAKAL"

Usaha bermaksud sediakan perlindungan sekadar mampu.

Tawakal bermaksud berserah kepada Allah s.w.t

NO RETIREMENT PLAN

★ Lebih 75% Pekerja berpendapatan kurang daripada RM2,000 

★ Hanya 15% Pekerja memperoleh di antara RM2,000 & RM5,000 sebulan..."

★Tahun 2040, mereka yang berumur 65 tahun akan melebihi bilangan individu lebih muda.

✔INCREASING COST OF LIVING
✔GST
✔FUTURE NEEDS & FAMILY
✔MONEY INFLATION
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RETIRE POOR.

‪#‎Help‬ me to aid those who you think in need of financial planning even if it's you.

Start early to save more

LINK: KWSP tidak mencukupi

ARE YOU ONE OF THEM??

"Generasi muda hari ini masih lagi keliru apabila berkait dengan kewangan mereka terutama dalam 

✔simpanan hari tua,
✔pelaburan pintar, 
✔hutang dan kad kredit.

Bahkan, mereka mempunyai pengetahuan kewangan yang rendah mengenai
✔kadar faedah,
✔inflasi,
✔pengurusan risiko

Kesannya, mereka tidak mampu mencapai kesenangan dan kekayaan kerana sering berhadapan dengan bebanan kewangan..

LINK:  Belia kurang pengetahuan kewangan

I'M CHAMP CERTIFIED

#FINANCIAL PLANNING  #AIA

WHICH ARE YOU?

LEARN ABOUT INVESTMENT,BEFORE IT'S TOO LATE
*Updated Current Money Inflation: 2.5%

The Benefits of Having a Certified Financial Planner

Some people decide to do their own financial planning, but you may want to seek help from a Certified Financial Planner professional if you:-

RETIREMENT DAYS

Many planned for their life to be better and secured, ensuring that they are able to enjoy life ahead. However, they fail to plan and eventually plan to fail. Let aside regarding their needs and lack of discipline to actually save for their retirement, most people regret did not know the importance of saving for their old days. EPF, KWSP, KWAP or own personal investment, it is actually enough to sustain you from your last day working till your the last breath as a human in this world? For example, an average man gaining monthly salary of RM 5K will accumulate approximately RM 250K in his EPF. WOW! RM250K.. that's alot!! * some might think its enough. Allow me to show you the real scenario behind this:-

Retirement Age: 55 years old
Life Longevity: 75 years old
Age to Sustain: 20 years

Calculations:

 RM 250K / 20 years = RM 12,500 / year

We take;

RM 12,500 / 12 months = RM 1041.67 / month  * This is the amount to be spend monthly, from a man's salary of RM 5K.. he is now to spend almost 80% less from his normal pay. With this amount, you will be finishing it to pay your house loan, car loan, credit cards, personal loan, house bills and many more. So, what is left for you at the end of the day? Here's the interesting part, people will say .. "Its ok, I will use this money (RM 250K) to start up my own business. I'll be alright".

Let me set the alarm up for you before it's too late, 97% people who do business, fail within 5 years. From lacking of the business knowledge, management, capital etc. Its never too late to save for your retirement, whether you are gaining low or high income.

THE STEPS

To be able to achieve financial freedom. We should know the right steps in FP. People always mistaken saving, saving, saving... because in our mind, its for emergency and future use. Yes, its true. But bear in mind, that if just by saving your money in the bank without some being put aside for EMERGENCY FUND, all your savings will be gone in a blink of an eye the moment any misfortune happen to you or people around. THINK, what will then happen to your future with all your savings gone. Referring to the increasing medical cost (Medical Inflation 10-15%) or misery happen to the head of the family.

The very first step in financial planning is PROTECTION or we all knew it as life insurance. Life insurance is not like in the past, where we pay and our money burn if we don't claim it. Modern insurance nowadays is package together with saving, hence we can actually withdrawal and refund our payment for life insurance anytime if there's no claim during the insurance period. Do take note, life insurance maybe not for you, but it plays a very crucial role to the people around you especially your family when unfortunate incident happen to you.

JFPC FINANCIAL PLANNING

Now, more than ever, planning is the essential first step towards financial well being. A good financial plan along with sound financial advice can help to make your financial future more manageable. When left to chance, your financial situation can drift from your goals. Your financial adviser can help you define your goals and stay on track.

Quality advice is hard to find. Personal Financial Planning focuses on providing sound financial advice for businesses and for individuals like you. We have a comprehensive approach that is focused on determining what is most prudent and beneficial for you. As a Life Planner in JFPC.. this is what I do to help others in their financial.

We have the right funds for you, whether its for Investment, Retirement, Children Education and also Life Protection. Many have their own financial plans for themselves and their family. BUT the real question here IS IT ENOUGH? That's why I'm here to help, so that you would not regret on the final day.

The True Reason

Assalamualaikum, I'm Sabran Asma'i.Graduate in degree of Chemical Engineering (Major in Biotechnology) in 2015. Engineering was never been my interest during my first year, but I tried to love the field.. unfortunately it just didn't click with my inner self. I like to do something which enable me to explain stuffs and stories to people. After completing my studies, I was wondering what job should I get into because of the working engineering environment do not suit me. So, I was roaming through the websites of Jobstreets, Linkedin, Careerjets and many more.

Until one fine day, I was approached by my current bos, Madam Julainah Harith who is a Registered Financial Consultant (USA). She took me in to work with her as a Life Planner. The main reasons I agreed to work with my boss is because of the job scopes which to educate people and help them in their financial. This really caught my attention and burn my desire to know more about it. February 2015 began my journey as a Life Planner under the guidance of my boss. And I can ensure you , that I have learn a lot regarding the financial world and more to come.