Owner: Financial & Legal Matters URL:http://finmats.com Join Date: Wed, 16 Jan 2008 02:05:25 -0600 Rating:0 Site Description: Financial Facilities, Insurance and Legal Tips and Information Site statistics:Click here
Real Benefits of Having A Credit Card 2008-01-31 00:27:16 The evils of credit cards? Not if one knows how to manage it wisely. In my opinion, a credit card is not something of a luxury but something which can be of good use and can be put to good use for the benefit of the card holder. I do carry credit cards and I [...] Read more:Benefits
, Having
, Credit Card
Lee Nian Ning’s Case. Some thoughts… 2008-01-29 03:34:27 Firstly, my condolences to the families of Lee Nian Ning, Mohd Zailani Mustafa and Pang Poon Eng who perished in a recent bus crash which shocked the nation. In the horrific bus crash on 25.01.2008, 24 other passengers were also reported to have sustained injuries arising out of the crash. Many bloggers have written to [...] Read more:thoughts
Things To Consider When Choosing A Credit Card 2008-01-28 02:02:19 Generally speaking, credit card customers now have the luxury of choosing a credit card out of the many different types of credit cards available in the market. Financial institutions are becoming more aggresive in their approach to capture the credit card market and this is largely attributed to the high earnings for these financial institutions [...] Read more:Credit Card
Better To Sell Than Risk Repossession 2008-01-22 18:16:44 You get yourself a new car with the assistance of a loan or hire purchase scheme. Beaming in pride, you start using the car. Over time however, life circumstances cause you to skip an instalment or two in your repayments. Before you know it, you’ve skipped enough number of instalments that the car repossessor now [...]
Why You Should Be Represented By A Lawyer In A Property Transaction 2008-01-21 02:52:51 I have come across many enquiries from potential clients asking if they could do away with a lawyer in a property transaction. More often than not, the reason for not wanting to engage a lawyer to represent them is due to the myth that you only need one lawyer to prepare the Sale & Purchase [...] Read more:Lawyer
, Transaction
Tips To Get Out Of Credit Card Debts 2008-01-17 03:23:50 Credit cards, by nature of it offering the card holder a period of credit for purchases, more often than not leaves the card holder in debt when the card holder is unable to manage the spending wisely. Compounded (pun intended) with the high interest rates chargeable on outstanding balances plus fees and penalty payable, what [...] Read more:Credit Card
, Debts
Pros and Cons of Accelerating the Payout of Structured Settlements 2008-01-16 03:51:10 In certain jurisdictions such as the United States (but less common in Malaysia), settlements for claims involving personal injury, workers compensation, guardianship, wrongful death lawsuits and even product liability may involve what is known as structured settlement. A structured settlement is basically an arrangement whereby the claimant get tax-free payment over an agreed period of [...] Read more:Structured
, Settlements
Non-Muslim Divorce 2008-01-08 22:27:47 In Malaysia, the current law governing divorce for non-muslims is the Law Reform (Marriage and Divorce) Act 1976. Of late, there are some controversies regarding the divorce procedures for a non-muslim couple whereby one of the partners have converted to Islam as his or her religion of choice. The recent Federal Court judgment in Subashini’s [...] Read more:Muslim
Is It Bankrupt or Wound-Up? 2008-01-01 06:10:48 A lesson in law for those who are unaware. Not too long ago, there were two news reports in The Star which used the word “Bankrupt
“. I think I need to share with you that the word “Bankrupt” is only used in certain instances and not like what was used in the news reports. People [...]
Subashini still in limbo 2007-12-27 02:06:53 It would appear so following today’s Federal Court decision in dismissing her appeal on a 2 - 1 majority. In deciding that her divorce petition was prematurely filed as against the provision under Section 51 of the Law Reform (Marriage and Divorce) Act 1976, she is now back to square one i.e. still being legally [...] Read more:limbo
Remedies Available When Your Insurance Claim is Rejected 2008-03-26 01:51:46 Have you been in a situation where having submitted your insurance claim to your insurer, you subsequently receive a letter from your insurer telling you that the claim is declined (for whatever grounds) or your insurer giving you a less than satisfactory compensation? Or perhaps you have heard of such experiences by someone you know?
Insurance [...] Read more:Remedies
, Rejected
Income Tax Submission via E-Filing 2008-04-24 02:24:14 It’s that time of the year again when responsible Malaysians file their personal tax returns. The e-filing system is another method employed by the Income
Tax Department to smoothen the hassles of filing tax returns. Prior to this, tax returns are usually done via hand delivery or by post or through tax agents. The e-filing [...] Read more:Submission
, Filing
, Income Tax
Selective Prosecution using the Sedition Act 1948? 2008-05-09 03:50:50 The ruling party in Malaysia, the Barisan National coalition is now back in the public’s scrutiny especially with the recent report that the Prime Minister of Malaysia himself having directed the BackBenchers to lodge police reports against a member of Parliament from the opposition party, Karpal Singh for allegedly uttering seditious remarks. Not only was [...] Read more:Selective
, Prosecution
Credit Card - Treats and Tricks 2008-05-26 22:52:39 Trick or treat? We have all heard about ingenious offers given by credit card companies offering zero annual fees to free hotel room stays to free gifts and even cash advance. It looks as if these companies are paying you to use their Visa Credit Card
or Mastercard. What’s the catch, if there’s one? How [...]
How To Cope With Rising Inflation 2008-06-05 01:15:27 The Malaysian Government announced an increase in petrol and diesel prices as well as electricity tariff yesterday at 40.6% (from RM1.92 per litre to RM2.70), 63.3%, (from RM1.58 per litre to RM2.58) and 20% for homes (above 400 kw) and 26% for business users respectively. The increase created shockwaves throughout the country and many [...] Read more:Rising
, Inflation
Pros and Cons of Low Interest Credit Cards 2008-06-18 03:42:46 Credit cards are becoming almost a necessity in today’s modern world. People of all ages would rely on credit cards to make their payments. However, many have also been declared bankrupt due to their uncontrolled spending habits. With an abundance of types of credit cards in the market, consumers are spoilt for choice. Low interest [...] Read more:Interest
, Cards
, Credit Cards
How To Choose A Good Bank To Deal With 2008-07-08 20:42:02 Deciding where to bank your money can be a very tough decision. However, there are plenty of options to choose from - from commercial banks to credit unions and even online banks.
Commercial banks tend to charge higher fees and are easily accessible while credit unions charge lower fees and have good loan rates, as they [...]
What Are The Pros and Cons of Payday Loans 2008-07-04 21:04:34 When used responsibly, a payday loan is an excellent solution to a financial emergency. However, as with most financial products, there are advantages and disadvantages of getting a payday loan.
It is therefore important that a prospective lender appraises himself on the pros and cons of a payday loan so that he can evaluate whether a [...] Read more:Payday
, Loans
, Payday Loans
Payday Loan Information and Facts 2008-06-29 23:54:16 If you’re looking for a temporary solution to a financial emergency, a payday loan – also commonly referred to as a cash advance - is an ideal solution. By definition, a payday loan is a small, short-term loan (between $100 and $1,500), usually secured with a postdated check, that is intended to help a borrower [...] Read more:Payday
, Payday Loan
Product Liability Insurance - Should You Purchase It? 2008-07-19 01:18:48 In general, product liability claims arise from real or alleged defects linked to the design, manufacturing, labelling, warnings and warranties, packaging, storage, transportation and handling of your products and usually cite safety claims, manufacturing quality, spoilage and indemnity costs.
Damages awarded in such claims, depending on the jurisdiction where you are in, can include medical costs Read more:Liability
, Purchase
Home Insurance and Property Insurance 2008-07-18 01:13:02 The protection against risks to property, including fire, theft and weather damage is what is generally referred to as property insurance. Property insurance includes specialized forms of insurance such as fire insurance, flood insurance, earthquake insurance, home insurance and boiler insurance.
You could say that whilst property insurance is generic, home insurance is specific as it [...] Read more:Home Insurance
10 Easy Ways to Manage Your Debts 2008-07-10 22:20:13 Some say that debts are never ending and that once you are in it, it is very difficult to get out of it. If you are already in debts, you might prefer to manage your debts yourself without seeking help from debt consolidation and management companies or some government department as some of these options [...] Read more:Manage
, Debts
What is a Health Insurance Mandate and How Does it Affect You? 2008-08-06 02:04:24 A health insurance mandate is something that a health insurance provider is required to cover, usually through State regulations. They can be imposed on all health insurance plans within the state or only on certain types of plans, such as group plans. Mandates usually fall under one of three categories:
1. Provider type: Massage therapists, psychiatrists, etc.
2. Benefits: [...] Read more:Health
, Affect
, Health Insurance
Car Insurance Premiums 2008-08-04 01:12:47 In Malaysia, premiums for car insurance (or auto insurance as it is known in some other countries) are fixed by Bank Negara Malaysia. Therefore, assuming your car is 1,500cc, the base premium chargeable will be the same whether you purchase your insurance from Insurer A or Insurer B. This pretty much reduces the headache of [...] Read more:Car Insurance
Life Insurance Policies and Suicide 2008-07-25 04:34:27 Before I started to handle insurance cases, I always thought that suicide is a not an insured peril. My understanding at that point of time was that suicide is usually a deliberate conduct rather than an accident and therefore, it goes against the very nature of insurance policies to insured accidental events. I was right [...] Read more:Policies
, Suicide
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