StarSpecial

THE STAR Sunday 10 August 2014

MONEY & YOU
StarSpecial, Sunday 10 August 2014 MONEY & YOU 2
Card culture and
the urban consumer
BY RACHEL PUNITHA
T
HE world we live in is
shrinking. Information that
would have taken an entire
room to store just a decade ago
can today be stored in just a
microchip in your phone or on
your bankcard. There is now
a sense of compactness and
eciency, a sense that things are
simple and not wasteful.
This certainly applies in the
world of nancial transactions,
where cards have given birth to
the new cashless and paperless
trend. More than just easy
transactions, cards have the
additional elements of data
collection, rewards and niche-
selling and t nicely in your
wallet.
Consider your wallet a bag of
tools. These tools can be used
to deal with every avenue of
the nancial sphere making
payments, dealing with debt,
utilising credit.
These same tools can also save
you money, give you rewards,
reduce cost and be the answer in
an emergency. These tools can
be the answer to many banking,
transactional and nancial needs.
Without a doubt, the most
signicant cards in your wallet,
other than your identication
cards, are your credit and debit
cards. These cards are frequently
used, with maximum interaction
between institution and the
consumer. These cards have
revolutionised the way we shop,
save, budget and deal with money.
Financial footprints
Since the late 1990s,
lawmakers, consumer
advocacy groups, ocials and
other aliates have become
increasingly concerned about
the rising misuse of credit cards
among the younger generation.
Banks and other nancial
institutions are on the same page,
as the responsible usage of debit
and credit cards is their main
concern.
Keeping good payment records
inuences ones credit score and
will affect the obtaining of loans
and other nancial products in the
future.
The Central Credit Reference
Information System (CCRIS)
is where banks and other
nancial institutions analyse the
responsibility of consumers and
the utilisation of their cards.Yes,
consumers need to be aware of
their spending. This is a given, but
being aware of their score and
track record is of big value.
Consumers can condition
themselves to pay their
outstanding balances on time.
Even when this proves to be a
struggle, there are other actions
one can take to keep a healthy
score such as limiting purchases,
avoiding penalties and so on.
A healthy score would ensure
the ease of future dealings with
institutions in terms of loans and
credit card approvals.
Credit and debit cards
These days, features, benets
and rewards are part and parcel
of both the debit and credit cards.
Institutions like Bank Simpanan
Nasional have come up with
debit cards that have all the same
characteristics of the credit card
except the usage fees attached.
According to Winston E.
Jeyaprakash, deputy chief
executive (retail banking) at
BSN, the main strategy involved
when developing debit cards is to
have a card that combines both
functionality and practicality
so that customers can enjoy the
benets and also the convenience
of using them.
This strategy paid off for BSN as
its Visa debit card won The Most
Innovative Product award from
Visa.
Harnessing loyalty
Loyalty cards and store cards
are an integral part of an urban
shoppers wallet. These days,
many stores offer loyalty cards
to their customers. The purpose
of most of these store cards is to
create loyalty and reward its long-
standing customers.
There are many ways stores can
do this:
l Partnerships across non-
competing stores. Non-competing
stores could be stores under the
same management or two or more
individual stores that have agreed
to have the same loyalty card and
rewards programme. Integrating
one card for point accumulation
and rewards draws in more loyal
customers and also makes the
customer feel like they are part of
a large shopping family.
l Solving industry pain points.
Pain points are burrs in the
customers sides. For example,
sometimes customers are unable
to keep track of the amount
of points they have and their
expiration dates, especially if they
have a number of loyalty cards.
As a result of this, points are
sometimes not used or redeemed.
Another issue is the inability to
use the same card in international
branches.
l Upgrades at marginal costs.
Birthday treats, souvenirs,
discounted parking fees and a host
of other things are offered to the
customer. These little gestures add
value to the card by making the
customer feel special. Oftentimes,
these little upgrades cost very
little and on some occasions,
nothing at all. This is why many of
them do not mind doing it.
l Rewarding more protable
customers. The customers who
spend more at a store are singled
out for rewards, special attention
and other incentives.
Going beyond the point
With the variety of loyalty cards
and credit cards that have been
made available in recent years, the
card culture has gone beyond the
regular point-based system.
In addition to the points that
consumers accumulate, there are
other rewards as well.
These include travel miles,
savings on petrol and groceries,
cash returns and so on.
Some rewards are specically
catered to consumers lifestyles
with offerings such as golf
privileges, dining discounts
or even discounts on travel
accommodation.
Then there are also redemption
exibilities, reduced interest rates,
no expiry options and so on.
Consumers should think
beyond the normal concept of
loyalty cards and credit cards and
choose a differentiated experience
to suit their liking.
The card we depend on
Another card to have in your
wallet is your medical card. These
cards are vital in emergencies
and are typically used only for its
intended purpose when you get
admitted at the hospital.
Nowadays, medical cards have
insurance schemes with a returns
policy or an investment scheme
linked to them. Because of rising
needs and the variety of options
made available to consumers by
institutions, insurance schemes
have evolved to double up as a
savings or investment accounts
that snowball over time, allowing
card holders to save up a
substantial amount of money.
This investment account does
not allow the holder to withdraw
money like a regular savings
account and withdrawals will
involve some form of paperwork.
This scheme works by
separating the money into two
portions. One portion is put
towards insurance and the other
is towards investment. This is an
excellent solution for consumers
as it caters to the needs of
consumers of different income
levels. Those who are not able to
afford regular investment schemes
now have the option to have
themselves medically covered and
also to use a portion of the funds
as savings.
A point to consider, especially
for Malaysians, is the fact that
there could be more insurance
options for them in the future.
According to Forbes magazine,
telecommunications rms, home
security companies and other
multinational companies are
tapping into the insurance market,
with many of them already
becoming serious competitors.
In some parts of the world, such
as in China and across Europe,
non-insurance rms are offering
insurance packages to their loyal
customers. Hence, consumers
can now choose to have their
insurance plans tailor-made to suit
their lifestyle, habits and wallet.
Plastic-savvy consumers
Making your cards work for
you is an art that requires careful
planning and scrutiny of all its
features and attachments.
Instead of just collecting them
and letting them create dents in
your wallet, use them to ensure
savings and protection in times
of trouble. Get smart with the
plastics in your wallet and you
can be making inroads in realising
your nancial potential.
Make these cards count, as it is
only a matter of time before they
will be replaced by something
virtual and integrated like the
microchip.
The future will probably see the
abundance of cards being merged
into a single unit that manages our
shopping, credit and transactions.
For now, smart usage of the
card culture is the consumers
best bet.
For bookings and further information, contact your advertising agency or the following:
M
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We lay down the options for your first set of wheels.
rlds collide > 6-7
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THE STAR Tuesday 21 January 2014
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The right MBA
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Unlocking
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MOTORING
StarSpecial
THE STAR Sunday 12 January 2014
Chinese NewYear
motoring guide
The best offers in town and the hottest cars available this year.
SOUTHERN
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Rise of
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Supplement Team Email: supp@thestar.com.my
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StarSpecial, Sunday 10 August 2014 MONEY & YOU 3
Canadian property
investments
for Malaysians
N
EW and imaginative ways
of enhancing wealth are
welcomed by investors.
One such scheme is property
development. This typically works
where developers put up a part
or whole of the acquired property
as collateral for investment and
then bank on the rise of the
developments value.
Canada-based Terra Firma
Development Corporation
(TFDC) is one such property
development company, and its
newest investment is the Forest
Lakes Country Club Developer
Investment Scheme (FLCC DIS).
Launched in April 2012,
Malaysias rst overseas resort
development investment scheme
is approved and regulated by
the Companies Commission of
Malaysia. It offers individuals
and institutional investors a safe
platform from which to develop
their wealth within a medium-
term timeframe of less than ve
years.
William Ng, chief executive
ocer of TFDC Asiacorp Berhad,
a subsidiary of TFDC, says the
investment fee now stands at
CAD12,000 (RM35,000) with
the scheme expiring in March
2017. This scheme opened at
CAD8,640 (RM25,200) per unit
of interest plot in 2012 and those
who made investments will now
see an increase of 77% on their
investment.
Five hundred interest plots
were made available in 2012 and
only about 150 of them are left.
Participating investors will now
enjoy xed exit returns of up
to 28% (or more than 10.4% per
annum) before the fee is expected
to be revised at the end of the
third quarter this year.
Each interest plot is backed by
one tenth of an acre of collateral
secured by a licensed trust
company. You have full investment
protection, Ng explains.
This means that the 500 units
that were put up are insured by
plots of land one unit to a tenth
of an acre. The global luxury real
estate development project is
located in Nova Scotia, Canada.
The need for residential areas
outside the capital city grew with
the increase in population and
multinational companies.
Halifax, the capital of this
province, has seen robust
economic performance in the
last decade. The city thrives
on maritime activities with
shipbuilding, ports, sheries
and also agriculture as the main
sources of growth for the province.
The FLCC is only 30 minutes
away from central Halifax and
the Halifax International Airport,
guaranteeing a rise in population
and infrastructure in the near
future.
The site, which was acquired
by TFDC in 2007, was re-zoned
in 2008 to permit mixed resort
development, including luxury
condominiums and residential
plots, which will be released this
year by TFDC Asiacorp Berhad.
The site will soon boast a
Nicklaus Design golf course (an
international golf course design
rm by golf legend Jack Nicklaus),
athletic and sports facilities,
a luxury boutique hotel, an
international business centre and
a host of other amenities at the
disposal its residents.
A unique feature of the
development is that only a small
part of the development has
been put up as collateral to raise
capital, says Ng.
The developer retains most of
the development, pushing them
to complete the project in order to
maximise their own gains from it
after maximising their investors
gains. Because only a small part
of the development is put up for
investors, the remaining areas are
invested in by the developer.
Ng adds that the investment
is hassle free as there are no
additional costs, bank interests or
hidden fees.
He adds that investors are
given a choice of a cash exit or a
property exit where they are able
to exchange their interest plot
(units) for cash or for a building
plot or a condominium at a xed
value of CAD15,322 (RM44,700)
per unit as determined by an
independent valuer.
Ng also says that investing
in real estate is ideal because
the value of the land in which
the project sits multiplies
progressively as each milestone of
the development is achieved.
The development has gained
momentum, with trunk and
ancillary roads built. The next
phase is building model homes
and visitor lodges.
The housing boom anticipated
to stem from the federal
governments CAD25bil (RM72bil)
shipbuilding contract that was
awarded to Halifax has already
attracted buyers from more than
40 countries.
Ng adds that TFDC Asiacorp
Berhad is also introducing limited
units of housing plots with a
unique guaranteed resale with
returns of between 30% and 48%
within the next two to three years.
William
Ng, chief
executive
officer
of TFDC
Asiacorp
Berhad.
The value of
collectible coins
increases with time.
Always ensure the authenticity of
an antique before investing in it.
The development includes
model homes, which ore
still under construction.
Turning passion
into wealth
SOMETIMES, your
hobbies can be an
additional source of
income. When you
invest in art pieces
and antiques, they can
sometimes provide
you with great
returns. Here
are some
collectibles
that
have the
potential
to make
you
money in
the future.
Art pieces
If you intend to
purchase art pieces,
do some research on
the artist and the piece
itself. Art pieces that were
produced between the 1860s to
the 1970s are known as modern
art.
Modern art rejects the
traditional forms and conventions
of art. Instead, it covers a wide
range of movements, theories
and attitudes that showcase
art in a more current social and
intellectual context.
Postmodern art is described as
the art movement that rejects all
aspects of modern art and it aims
to do away with the divisions
between art, pop culture and the
media.
If you intend to invest in art,
invest in the pieces of upcoming
artists.
Their pieces will generally
be cheaper than those of well-
established artists and have the
potential to fetch a hefty sum in
the future.

Antiques
Antiques can be anything from
furniture to ornamental objects
that were made more than
100 years ago.
Investing in an antique piece
can sometimes be risky so it
is best for you to ensure the
authenticity of the antique piece
and its dealer.
The money-making process
with antiques takes time and
patience as an antique piece
becomes more valuable with age.
So if you intend to make a quick
buck, this is denitely not the
way to go.
Coins
Coin collecting is a very
exciting hobby. It is fascinating,
informative and also exposes
you to new cultures, history and
art. The Internet is a great forum
in which to look for coins and it
can provide you with a wealth of
information on your coins.
You can also use guide books
to gauge the value of your coins.
Photographs in books and online
will help identify the coins
and ensure that they are not
worthless.
Like art and antiques, the
value of your coins increase with
time provided they are in mint
condition. The slightest scratch
on a coin can depreciate its value.
Stamps
The stamp market is one that
is rather volatile and the prices of
stamps can increase and decrease
rather dramatically.
Stamps that are in good
condition will of course be more
valuable than those in poor
condition.
While the supply of stamps are
xed, the demand for a stamp can
increase based on its rarity.
It is advisable to buy stamps
that are on discount and then
sell them later on for a prot.
There are many websites such
as eBay and stampez.com that
hold auctions on valuable stamps.
Before purchasing your
stamps, always ensure that you
have carried out your research.
This will ensure that you are
investing in stamps that have
value.
When you are ready to sell
your stamps, you can engage
prospective buyers by placing
advertisements in newspapers,
magazines or websites.
StarSpecial, Sunday 10 August 2014 MONEY & YOU 4
Maybank Islamic MasterCard Ikhwan Card-i
is an innovative offering that empowers
consumers to use financial tools such as credit
cards wisely and make informed financial
decisions in their daily lives.
In line with Maybank Islamics mission of
Humanising financial services, Maybank Islamic
MasterCard Ikhwan Card-i affords the opportunity
to customers to give back to the less fortunate
with every spending. Each time the cardholders
spend, the bank will contribute a portion of the
amount spent to charity.
Cardholders can also stand a chance to win an
Umrah Package for two, which is awarded to one
winner per week. Additionally, enjoy 5% cash back
on petrol and groceries every Friday and Saturday.
Highlights of Maybank Islamic MasterCard Ikhwan Card-i
Other benefits of Maybank Islamic Ikhwan Card-i
5% cash back on petrol and groceries
With the 5% cash back offer, there are more reasons to spend using
the card every Friday and Saturday, with a capping amount of RM50
per principal card member per month.
Umrah Package
Consumers can now begin their spiritual passage by spending a
minimum of RM200 in a single receipt. Cardholders will be eligible to
win Umrah packages for one weekly winner (a pair).
Spend and contribute
Cardholders can now contribute to charity. With each
transaction, the bank will also contribute to charity and
less fortunate communities.
Summary of other Maybank Islamic Ikhwan Card-i
Up to 5x TreatsPoints for every RM1 spent
Convert TreatsPoints to Enrich Miles or
KrisFlyer Miles points, 4,500 Treats
Points = 1,000 Air Miles
Golf privileges
Priority pass for the airport lounge
Up to 8x TreatsPoints for every RM1
spent at Petronas stations
8x TreatsPoints for groceries
purchases every weekend
Redeem TreatsPoints for Petronas
petrol vouchers
Maybank Auto PayBills
Automatic bill payment facility that
conveniently charges your bills to your
credit card when they are due.
No annual fee
Free for life, with no conditions.
Non-compounding charges
Save on non-compounding charges.
Maybank EzyPay
0% charges instalment plan up to 24
months when you pay for products or
services with Maybank Islamic Ikhwan
Card-i at selected merchants.
Maybank CashTreats
Get cash hassle free with Maybankard Cash Treats.
No documents are required and the approval process
is fast.
Up to 36-month repayment period
Up to 90% of available credit limit
No forms or guarantor required
8.88% per annum
Maybank Islamic EzyCash-i
Enjoy instant cash from your available
credit limit and have it converted to an
instalment plan with 0% charges with
just one phone call or an application
through Maybank2U.
Maybank Balance Transfer Programme
Save on charges when you transfer your other credit card
balance over to your Maybank Islamic Ikhwan Card-i.
Flexible tenure of up to 36 months
Minimum transfer amount of RM1,000, maximum of
RM50,000 per transaction
0% per month for a 12-month tenure
Maybank EzyPay Plus
Enjoy the convenience of converting your purchases to
an affordable monthly instalment for minimum
purchase of RM500 in a single receipt.
Flexible tenure of up to 24 months
Maximum of a RM30,000 purchase in a single receipt
3% per annum for 10 months tenure,
valid until Nov 18
CardCare Takaful Plan
You will enjoy ease of mind with CardCare
Takaful Plan coverage of up to RM100,000 and
until 65 years of age in the event of an
unfortunate incident (upon death or total
permanent disability).
Credit card
package with
a human
touch
Maybank Islamic Ikhwan Visa Infinite Card-i
Maybank Islamic Ikhwan Visa Card-i
24
StarSpecial 5
Sunday 10 August 2014
StarSpecial, Sunday 10 August 2014 MONEY & YOU 6
Moving towards
cashless transactions
I
N this age of technology we
are exposed to many digital
marvels that have signicantly
improved the way we live. From
phones that warn us about
possible trac jams to grocery
stores that predict consumer
behaviour, technology has become
a major inuence in our lives.
Technology is also changing
the way we pay for goods and
services, with the debit card
taking over from cash in a big way.
A debit card allows consumers
to purchase items without having
to carry cash.
The debit card has come a long
way since it was rst introduced
and many debit cards now offer
the same benets and features as
its counterpart, the credit card.
More and more nancial
institutions are promoting the
use of debit cards as it encourages
consumers to be savvier with their
spending. Because of this, many
nancial institutions are investing
their efforts into enhancing the
features of their debit cards.
BSN was among the rst local
banks to issue Visa Electron
debit cards in 2002. In December
last year, BSN launched the BSN
Visa Debit Card, the rst multi-
privilege Visa Debit card featuring
Visa payWave functionality to be
introduced in Malaysia.
This debit card, with payWave
contactless technology, (a device
used by retailers that allows users
to wave their card over it, which
automatically debits their account)
provides a quick way to pay for
purchases under RM150 without
the need for PIN numbers or a
signature.
As at June this year, more than
500,000 new BSN Visa Debit Cards
have been issued.
The card offers convenience,
rewards and also
encourages people,
especially the younger
generation, to be debt-
free. It can be used for
everyday purchases
such as groceries,
for petrol, shopping
and dining anywhere
the Visa
or Visa payWave logo is
displayed, both locally and
overseas
It can be used for
online purchases, mail
order or telephone order
purchases with no extra
charges or fees being
imposed
on such transactions.
It also functions as
a regular ATM
card and
consumers
can make
withdrawals at any BSN ATM,
MEPS ATM or overseas ATM that
displays the PLUS logo, says
Winston E. Jeyaprakash, deputy
chief executive (retail banking) of
BSN.
As at June this year, BSN Visa
Debit Card spending generated
a total transaction value of more
than RM100mil.
The bank is expecting to issue
one million debit cards by the
end of this year as it estimates a
60% increase in spending growth
among consumers.
Although BSN wants to harness
this spending pattern among
consumers, it still believes in
promoting better spending habits
among its patrons, which is why
the card has all the added features.
In line with Bank Negaras
vision of creating a cashless
society, debit cards encourage
consumers to spend responsibly as
the cards are linked directly to the
consumers savings accounts.
This allows consumers to
manage their nances, be more
conscious of their spending and
in the long-run, encourages them
to be debt-free as it reduces their
dependency on credit-based
spending.
Although credit-based spending
has been the main choice for
consumers in the past, these days
many consumers are opting for
solutions to help them curb their
spending habits.
BSN Visa Debit Card is also an
excellent tool to help consumers
keep track of and control their
spending. The card comes with
Touch n Go and PLUSMiles
features that users can use during
their daily travels. Customers are
also allowed to set a purchase
limit that they are comfortable
with to help curb impulse buying.
Another feature of BSNs debit
cards is its 0.5% unlimited cash
back for all retail purchases.
When consumers use the card,
it translates directly into extra
savings for them.
The cash back is credited
directly into their savings account
on a monthly basis.
In addition, BSN also holds
tactical campaigns that offer cash
back or cash prizes to consumers
that double as additional savings.
As BCARD is one of BSNs
partners for the BSN Visa Debit
Card, it is able to offer attractive
discounts that users can take
advantage of and at the same
time, collect reward points.
Partnering with merchants
is another strategic move that
BSN has taken to gather existing
consumers and attract potential
consumers into its circle of loyalty.
Consumers will be drawn to
collecting points across merchants
as they may want to shop in
different stores.
Leveraging on the success of
this card, BSN recently introduced
the BSN Batman Visa Debit Card,
a must-have limited edition Super
Hero debit card for fans of DC
Comics Batman.
This limited edition BSN
Batman Visa Debit Card is
available in three exclusive and
attractive designs.
It was introduced in
conjunction with the 75th
celebration of Batman and is
issued in collaboration with
Visa International and Warner
Brothers.
Similar to the generic BSN Visa
Debit Card, the limited edition
BSN Batman Visa Debit Card is
linked to the BSN savings account.
Cardholders will enjoy
benets and features such as
Visa payWave, 0.5% unlimited
cash back and the BCARD loyalty
programme, combined in one
debit card.
It also comes with special
merchant discounts and
privileges.
In conjunction with the launch
of the limited edition BSN Batman
Visa Debit Card, BSN is running
a campaign that will go on until
Sept 30.
Card members who sign up and
spend a minimum of RM50 with
their card will stand a chance to
win a grand prize of a ve-day,
three-night trip for four people to
the Warner Bros VIP Studio in Los
Angeles, as well as other exciting
prizes.
With BSN Visa Debit Cards, our
customers get to enjoy the best
of both worlds. They can enjoy
the benets and offers that come
with the card and at the same
time they will learn to manage
their nances and spend only
what is within their means, says
Winston.
The BSN Batman Visa Debit
Card is now available at all BSN
branches while stocks last.
n For more information, visit
www.mybsn.com.my
From left to right: Ahmad Latfan Mohd Amran (deputy chief executive, Corporate Support), Mohd Sofian Amiruddin (head, Cards
Business Division) and Ng Kong Boon (Visa country manager).
About the BSN Batman Visa Debit Card
Perks of the BSN Batman Visa
Debit Card:
0.5% unlimited cash back
Shop, wave and go with Visa
payWave
Swipe, collect and redeem
BPoints
Shop online and pay bills
Withdraw cash both locally and
abroad
Transfer funds
Enjoy up to ve free MEPS cash
withdrawal fee per month*
Annual card fee waiver*
Track transactions via
mybsn.com.my
Worldwide acceptance
*T&C apply
Security features on the BSN
Batman Visa Debit Card/-i:
EMV (Europay,
MasterCard, Visa)
Smart Chip:
Uses an advanced smart
chip technology for greater
security.
Visa payWave: The card
never leaves your hand
when making transactions,
which reduces the risk of
fraud.
Visas Zero Liability
Policy:
Protects you against any
fraudulent or unauthorised
purchases.
On top of the features, BSN Batman Visa Debit cardholders can
also enjoy these exclusive discounts and privileges:
Additional 5% cash back for Visa payWave and online
transactions
(valid until Sept 30)
10% off normal priced items at DC Comics Superheroes Outlets
(valid until June 30 next year)
1 free GSC movie ticket every Saturday (via GSC online
e-payment and valid until Sept 27, while stocks
last)
15% off Singapore Cable Car DC Superheroes ticket
(valid until Sept 30)
20% off Langkawi SkyCab Ride Ticket, 10% off at 6D Cinemotion
and SkyBoutique (valid until Sept 30)
Buy 3 free 1 Berjaya Times Square Theme Park ticket
(valid until Sept 30)
10% off at Kenny Rogers Roasters Restaurants
(valid until Sept 30)
Winston E.
Jeyaprakash,
deputy chief
executive
(retail
banking) of
BSN.
StarSpecial 7
Sunday 10 August 2014
StarSpecial, Sunday 10 August 2014 MONEY & YOU 8
Easy ways to
fund your travels
Canada offers great economic stability and stable currency. A $25 billion shipbuilding contract in Halifax, Eastern Canada is fuelling economic growth
and massive demand for property. Forest Lakes Country Club, a premium resort development located 30 minutes from Halifax International Airport is
poised to capitilise on this opportunity and is already attracting investor from more than 50 countries worldwide.
- Strategically located premium development
set in stunning woodlands
Come and learn about:
- Capital appreciation with a unique guaranteed sell
back option to the developer
Exclusive to our first public release in Malaysia we are offering very limited plots in Phase 1. Our earlier international releases to our Malaysia investors were fully sold.
Affordable: starting from CAD$75,000
Strong property appreciation: expected to grow 10% p.a over the next
few years
Now launching Phase 1 - Huge potential for more capital growth.
Next release coming soon - condominiums
No legal fees
Residential, commercials, recreational, hotels and the only Nicklaus
Design golf course in the region
Within 30 mins of award winning International Airport, downtown
Halifax and 6 renowned universities
Register for this exclusive launch below:
+6-012 215 9308 (Kuala Lumpur)
+6-012 477 9308 (Penang)
with Name/(s) and Seminar 1 code #1030# / Seminar code 2 #0230#
***lk fot llk51 20 teq|sttouoo*** lote teq|sttouoo/wolk-lo. kM98/pox
High Return Property Investing in Beautiful Canada
CAD$25 Billion federal shipbuilding contract to fuel the local economy and
boost massive housing demand
$6.2 Billion Hydro power project
$960 Million natural gas production
$971 Million Shell offshore oil exploration
Already a tourist magnet with further ... potential to become a major
bolt hole to the large east coast cities in North America
(*Savills World Report 2014)
Halifax is emerging as one of Canadas top investment cities...
(*Top Canadian Investment Cities 2012-2014, The Real Estate Investment Network Ltd)
Aueno the semlnar ano get a free report on Canaoa's 8esloenual Market 2014 from Savllls Worlo 8esearch
uate : 16th August 2014
Clty : Kuala Lumpur
Time : Seminar 1 starts at 10.30am
: Semlnar 2 starts at 2.30 pm
venue : 1o be lnformeo upon reglstrauon
uate : 17th August 2014
Clty : Penang
Time : Seminar 1 starts at 10.30am
: Semlnar 2 starts at 2.30 pm
venue : 1o be lnformeo upon reglstrauon
Semlnar sponsoreo by
TFDC Asiacorp Berhad
(852688T)
Introducing the launch of residential plots at Atlantic Canadas most premier resort destination with excellent capital appreciation of 30 - 48% in 2 - 3 years
via a guaranteed developer resale. Be the first to own a residential plot in Forest Lakes Country Club, a premier mixed development for four seasons.
Four Seasons, One Stunning Location
Find out how this premium mixed development differs from the rest : Located in Nova Scotia, an upcoming property hotspot :
To register, please SMS to:
Attendance: Strictly by registration or VIP invitation
M
ANY people dream of a
backpacking trip across
Europe with their best
friends.
It is possibly on your bucket
list as well but the challenge lies
in funding the trip. If that is your
concern then fret not as here are
some sure-re ways to build up a
travel fund.
Create a passive income
for yourself
Your passive income should
not interfere with your day
job. Instead of saving money,
generating income passively
is a more proactive method of
accruing funds.
Investing in stocks, bonds
and annuities are common and
effective avenues to have a passive
income. Hiring a nancial advisor
is strongly recommended.
You might also want to
enrol in a few nance classes
to understand your advisor
when investment strategies are
discussed.
These sort of nancial
investments potentially pay
handsome dividends if planned
well.
Brown bag it
You will be surprised at how
much money you actually spend
on food and beverages. Bringing a
packed lunch and a ask of coffee
from home will save you a lot,
possibly even a hundred ringgit or
more every month.
Want to enjoy a scrumptious
dinner with a loved one? Cook for
them. It is cheaper and oftentimes
more sentimental.
Besides the economic benets,
you get an added bonus of a
healthier diet.
Staying home is fun
Before you roll your eyes at how
boring this sounds, lets examine
several facts about going out.
Restaurant meals are
costly, travelling costs money
and the sheer temptation to
shop recreationally will be
omnipresent. This does not mean
that you should live your life like a
hermit.
Learn to enjoy staying at
home by identifying things you
love doing indoors, be it reading,
watching movies or even playing
fun family games.
Give up your wants and
focus on your needs
Stop and take a moment to
think about how little we can
actually get by with.
Do you really need to replace
your smartphone that you bought
seven months ago? Do you need
to have that pretty little dress?
Chances are you do not.
By exercising this awareness,
you will be able to cull a very
common yet dreaded symptom
many suffer from credit card
overuse.
Splurging unnecessarily is bad
enough but having debts with a
credit card is worse as millions of
people can attest to the slippery
slope of nancial incapacitation.
View this as a deterrent to
spend needlessly and a motivation
to cut back for savings.
Adopt a minimalistic lifestyle.
Our possessions consume more
of our time than we realise. Learn
to see less in materialism and
resist buying things that you do
not need. You can assess your
spending by keeping tabs in an
accounts book and eliminate
monthly items that you do not
need, thus cutting back on
spending and saving money in
the long run.
A little discipline
goes a long way
in saving for
your travels.
Sell your talent
If you are great at something,
then take advantage of this
talent and charge people
for it. You could try being a
videographer at weddings, sell
cakes for parties, write articles
for a magazine or x computers.
The trick is to make your
skill known so take the
initiative to put yourself out
there.
With everything put into
practice, you will be gliding
across the waters of Venice and
taking seles at the Eiffel Tower
before you know it.