Sediakan asuransi pensiun anda mulai sekarang

Masa pensiun akan tenang, jika anda menyiapkan dana pensiun dengan baik

Asuransi itu tidak wajib tetapi sangat penting

Ketika sakit dijamin anda tidak dapat mengambil asuransi

Kami menyediakan solusi financial anda

Salah sau solusi financial dengan mengambil asuransi


Borrow for ppreciting assets

Make use of loans foq acquiring appreciating, not depreciating assets. Using loan for an appreciating asset such as a property is fine, but buying a cr with a loan is a bad thing. Most people however use loans o buy cars. The minute that you buy a car and drive out of the showroom, the value of your vehicle could go down a much a 30 %. This loss of value makes cars a depreciating asset.
In Malaysia, the government encourages buying cars as part of its automotive development policy. You are allowed, a business person with profis in your company, to buy cars nd deduct the value of that car from your taxble income over four years. Terms nd conditions apply, but the government has allowed this in order to increases the sales of nationally manufactured cars. In such a situation, if you actually need a car and if your company have a profit and are within the boundaries of economic sense, then you can buy it and deduct it within the legal framework of tax deduction and follow the scale.
The tax scale for luxury cas in Malaysia is also very high, and in some cases can be up to 300 % more than the price of the car. Yet, more and more people are getting into debt, borrowing money to buy these high price of the car. Yet, more and more people are getting, into debt, borrowing money tobuy these high priced cars, defaulting on the loans, having the cars repossessed and becoming bank rupt for the balance they owe. Statistics are showing the majority of those who default are young adults.
Your childen should learn to borrow for appreciating assets, imagine if they bought a house in a good location, even during a bad economic climat. That house ha value and could be in demand, therby reducing the risk of being unable to cover their lon payments when in a pinch. They could sell the property they own if they need cash, or rent it for regular monthly income.
Teach you children about different housing loans available and when the best times are for using the different options. There are times that they will need loans either with fixed interest rates, sliding scale, or rates according to a base lending rate fixed by government authoritiesand market sentiment. Each has different advantages and disadvantages, during economic crisis and boom times.

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