what do you think about the recent government's decision to give options for EPF contributors to reduced their mandatory 11% contribution to the “voluntary” 8%??

adakah anda hendak bersenang2 dahulu bersusah2 kemudian or bersusah2 dahulu bersenang2 kemudian?

I would rather choose bersenang2 dahulu dan bersenang2 juga kemudian.. huahua..

1) if your current pay is not enough for you to have a living, then you have to work extra to earn more... you got no choice.. cutting off your savings for your retirement will not solve the problem..

2) if you are now comfortable with your current pay.. then you have 2 options

a) if you are the kind of person who dont know where else to save or to invest, then let the EPF contribution be 11%.

b) if you know how to get more return, use the balance to invest some place else.

there are a few of my client who always transfer their premium money to my account.. They want me to pay for them... problem is they like to transfer to my account without letting me know.. so currently, someone transfered RM200 and I dont know who did..

sangat malas nak call and tanya sapa yang transfer tu.. saya bukan jaga account awak sorang yer..

my advice to all policyholders... it is always not advisable to make a payment to your agent unless you really really think that you can trust that person.. theres a lot of complaints that i received saying that they've been paying their premium to the agent and the agent didnt pay to the insurance company.. If you do make a payment to your agent please call them or send an sms to inform them.. and make sure you receive the receipts.. if not.. call your agent..

ape ape pun.. its always better for you to use credit card or autodebit bank.. hassle free..