1. Kalau ada telefon, pertimbangkan guna iTALK. Memang byk gaklah savingsnya, especially kalau call dr house phone ke hand-phone. Setup one time only.
2. Kalau guna motor insurans, pertimbangkan guna Takaful Malaysia, sbb ia menawarkan Mudharabah, di mana ia mengamalkan konsep profit sharing. So far saya dah 2 tahun guna STMB and returns of mudharabah (if no claims) last year pun dpt check, this year pun dapat ~RM100 plus alhamdulillah. Not sure how easy/ difficult to claim though. Cek perkongsian mudharabah, sekali dah update particulars, dia automatik hantar.
3. Kalau nak buat long term income, as a side, maybe consider blogging. Byk option lain, spt uploading photos and get paid, but saya sendiri tak biasa. Kalau blogging, memang boleh share experience.
4, Especially bagi yg ada work ngan USA (kerja kat MNC) and nak call conference after office hours, taukah yg Skype boleh dial ke USA Toll Free for Free.
5. Rebate tunai, maybe consider c/card yg offer rebate tunai spt Direct Access for all petrol transaction 2%.
6. Pelaburan alternatif - boleh consider pelaburan emas. Kijang emas adalah antara option. Skrg ada dinar emas tapi saya kurang familiar.
7. Yg nak bukak business, actually SSM ada kaunter bergerak di Kompleks Pasar Bayan Baru. Jadualnya ada dlm link di bawah :
8. Pelaburan simpanan dlm akaun 1 EPF. Antara option yg stabil (capital guranteed) ialah ASW & ASD. Hukum? Wallahu alam.
9. Perbankan internet - tau tak actually Bank Islam hanya charge RM0.50 untuk perbankan antara bank, tak seperti bank lain, charge RM2!
Semoga yg terbaik. Kalau ada tambahan / idea yg boleh dikongsi, tinggalkan komen di bawah.
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