When a house is rented out, the house owner should draft two copies of tenancy agreement (one original copy and another duplicate copy) between himself and the tenant. If there's a group of people going to rent your house, you should elect one responsible person as the "leader". The house owner should attach a list of inventories in the house and the identification card of the "leader" together with the tenancy agreement to be stamped in Inland Revenue Department (Lembaga Hasil Dalam Negeri).
April 28, 2011
April 19, 2011
Great Eastern Smart Medic Medical Card Schedule of Benefits and Premium Table
Updated 10 December 2012: Increased overall lifetime limit to 10x of annual limit.
Smart Medic is the comprehensive medical rider (aka medical card) for investment-linked insurance plans from Great Eastern which protects you medically until you are 80 years old next birthday.
One of the unique selling point for Great Eastern Smart Medic is the no claims increment of annual limit. This means that if you dont claim for medical expenses every 3 policy years, your annual limit will be increased 10%.
The table below will explain the no claims increment of annual limit, assuming that one purchased a SM 200 medical plan.
Smart Medic is the comprehensive medical rider (aka medical card) for investment-linked insurance plans from Great Eastern which protects you medically until you are 80 years old next birthday.
One of the unique selling point for Great Eastern Smart Medic is the no claims increment of annual limit. This means that if you dont claim for medical expenses every 3 policy years, your annual limit will be increased 10%.
The table below will explain the no claims increment of annual limit, assuming that one purchased a SM 200 medical plan.
April 15, 2011
Wealth is what you save, not what you spend
We all may not be millionaires but there are plenty of financial and life-planning secrets we can learn from the well-heeled.
Most people know that wealth in the U.S. is in the hands of a small percentage of the total population. And, today, most of those folks with a net worth of $1 million or more have earned it themselves.
They’re mostly entrepreneurs who create everything from high-speed networks to garbage haulers. They dig ditches and build houses and grow corn and make jewelry. They deal stamps or coins or artwork and control pests and cut lawns. They also cure people and give them new teeth. Others will defend their neighbors or even feed them.
And they’re not big spenders. In fact, most of those with big bucks live well under their means — think about Warren Buffet still living in that modest Omaha home — and they put their money instead toward investments that help them stockpile more wealth.
“Wealth is what you accumulate, not what you spend,” according to Thomas Stanley and William Danko, the authors of the seminal tome on America’s wealthy “The Millionaire Next Door,” first published in 1996.
“It is seldom luck or inheritance or advanced degrees or even intelligence that enables people to amass fortunes,” the authors wrote. “Wealth is more often the result of a lifestyle of hard work, perseverance, planning, and, most of all, self discipline.”
Most people know that wealth in the U.S. is in the hands of a small percentage of the total population. And, today, most of those folks with a net worth of $1 million or more have earned it themselves.
They’re mostly entrepreneurs who create everything from high-speed networks to garbage haulers. They dig ditches and build houses and grow corn and make jewelry. They deal stamps or coins or artwork and control pests and cut lawns. They also cure people and give them new teeth. Others will defend their neighbors or even feed them.
And they’re not big spenders. In fact, most of those with big bucks live well under their means — think about Warren Buffet still living in that modest Omaha home — and they put their money instead toward investments that help them stockpile more wealth.
“Wealth is what you accumulate, not what you spend,” according to Thomas Stanley and William Danko, the authors of the seminal tome on America’s wealthy “The Millionaire Next Door,” first published in 1996.
“It is seldom luck or inheritance or advanced degrees or even intelligence that enables people to amass fortunes,” the authors wrote. “Wealth is more often the result of a lifestyle of hard work, perseverance, planning, and, most of all, self discipline.”
April 8, 2011
UPDATES: AIA Excelcare Plus and Medicare Plus Medical Card Schedule of Benefits and Premium Table
Below is the schedule of benefits and premium table for AIA Excelcare Plus(ECP) and Medicare Plus(MCP) medical plan. MCP basically extends the benefits of ECP medical plan by having larger coverage/allowance for kidney dialysis, cancer treatment, daily cash allowance at general hospital, daily guardian benefits, emergency accidental outpatient treatment, and emergency evacuation benefit. The additional benefit for MCP if compared to just ECP only is the coverage for home nursing care.
ECP and MCP medical plans now cover the package for the whole family, insured & spouse only, male insured and children only, and female insured and children only. The schedule of benefits for ECP and MCP medical plans for family related packages are the same as normal single person package, but the premium charged will be different as listed below.
The following information is valid as of today.
Updates: Added ECP premium tables for male, female and family related medical plans and also added ECP and MCP premium tables for family related plans.
ECP and MCP medical plans now cover the package for the whole family, insured & spouse only, male insured and children only, and female insured and children only. The schedule of benefits for ECP and MCP medical plans for family related packages are the same as normal single person package, but the premium charged will be different as listed below.
The following information is valid as of today.
Updates: Added ECP premium tables for male, female and family related medical plans and also added ECP and MCP premium tables for family related plans.
Subscribe to:
Posts (Atom)
