Kepentingan Takaful

Pertama sekali saya bukan seorang penjual pakej takaful tetapi mempunyai takaful bagi menyiapkan diri untuk kecemasan khususnya dalam membiayai kos perubatan. Saya juga mempunyai prinsip saya sendiri dalam memilih produk-produk takaful yang mana ejen-ejen mungkin tidak setuju. Apa-apa pun buatlah keputusan setelah analisa dibuat berdasarkan sumber-sumber ilmiah yang bermanfaat. Bagaimanakah untuk mendapatkan sumber-sumber ilmiah tersebut? YA! Anda tepat! Teruskan baca artikel ini bagi mendapatkan sedikit sebanyak garis panduan untuk maklumat yang lebih terperinci.

Siapakah yang paling arif mengenai takaful di sini? Bagi saya bukan semua individu arif semua bidang dan ianya mengikut kepakaran khusus seseorang individu tersebut. Dalam kes ini sudah semestinya, ejen takaful adalah pihak lebih arif mengenai produk mereka kerana mereka dilatih mengenai produk-produk yang akan dipasarkan kepada pengguna atau klien mereka. Selain itu, risalah-risalah produk juga akan memberikan maklumat yang kita inginkan tetapi mungkin agak samar-samar kerana perkataan yang digunakan mungkin agak mengelirukan kita. Di manakah kita boleh dapatkan risalah-risalah tersebut? Layarilah laman-laman syarikat yang menawarkan takaful untuk mendapatkannya di samping maklumat tambahan dalam laman tersebut. Namun begitu, seperti yang dibincangkan di atas, sesetengah perkataan dan ayat mungkin mengelirukan kita seterusnya memerlukan penjelasan yang terperinci. Siapakah individu yang kita boleh hubungi untuk mendapatkan maklumat tersebut?

Setelah membuat sedikit sebanyak analisa terhadap produk-produk takaful, bolehlah hubungi ejen-ejen takaful yang kita kenal atau melalui talian yang dipaparkan dalam laman sesawang untuk mendapatkan penerangan. Saya sarankan agar tidak mudah terpengaruh dengan janji-janji manis yang melebih kerana bukan semuanya di dunia ini datang dengan mudah. Oleh yang demikian, kita boleh menilai seseorang ejen dalam menerangkan produk-produk yang ditawarkan oleh syarikat takaful mereka. Ada yang menyatakan bahawa produk merekalah yang terbaik berbanding yang lain dan mulainya mengutuk syarikat-syarikat takaful yang lain. Sekiranya anda dihampiri oleh individu-individu seperti ini maka saya sarankan supaya mengelak daripada sambungkan perbincangan atau penjelasan yang anda inginkan. Untuk pengetahuan sama ada anda sedar atau tidak, terdapat ratusan atau mungkin ribuan ejen-ejen yang ingin tawarkan khidmat mereka. Dalam menilai seseorang ejen sama ada bersesuaian dengan anda, jarak perlu memainkan peranan yang penting kerana dalam urusan tadbir sekiranya berlaku sebarang tuntutan.

Kesimpulannya, kita perlu tahu apakah keperluan kita bukan tawaran yang diceritakan oleh ejen-ejen dan sentiasa berbalik kepada keperluan kita. Bagaimanakah untuk mengetahui keperluan kita? Luangkan masa untuk membaca dan menganalisa produk-produk yang ditawarkan dalam pasaran. Jangan sesekali membeli produk-produk takaful semata-mata kerana orang lain membeli kerana keperluan masing-masing adalah unik. Akhir kata, berkawanlah seramai yang mungkin dengan ejen-ejen takaful kerana maklumat yang dimiliki oleh mereka adalah sangat berharga dan ianya boleh membezakan berlian di dalam tambunan kaca.

Consistency - Part 2

We have discussed on acquiring knowledge and experience consistently by reading, sharing, and asking. So, now it’s the time to take action! We have discussed about Savings in previous article which is key element before we start develop our investment portfolio. Hence, how it can be done and materialized? And more importantly is consistently!

I believe almost all of us are earning salary or monthly income consistently and why not we reflect it into our saving too! It has very powerful element in order to success with consistent saving. People always emphasizing on steady (or consistent) income but hardly people emphasizing on consistent saving. Hence, again as highlighted in my previous article on Earning Vs Saving where I emphasized on the percentage of saving compared to the actual amount because it shows the CONSISTENCY. Again I would like emphasize here that we must consistently allocate our hard-earned money (steady income) for steady saving to ensure we can expedite to develop our investment portfolio.

Our way forward towards financial freedom is mainly to develop consistency on saving from our consistent active income. By having this steady income, must ensure that we can have consistent saving too on monthly basis. When we can develop our consistent saving automatically we can generate passive income consistently (with assumption no money is spent from saving dividends). As we develop further, there will be consistent passive income higher than our steady active income (please read Levels in Financial Freedom). You’ll see the miracle when we do it consistently from beginning, where financial freedom is just ahead of us and it’s possible to achieve.

If you notice, this CONSISTENCY will actually develop attitude to achieve our goal toward financial freedom. Anything we want to develop must develop from attitude, not specifically only finance subject matter but anything on earth. So, key element to success is attitude which has to be developed from habit which actually CONSISTENCY. Hence, when we can do it consistently you’ll see that you’ll slowly, steadily, and consistently will develop your investment portfolio. Let us start do it consistently!

Consistency - Part 1

How consistency does important to us? How does it affect to our goal to achieve financial freedom? What it does? What are the benefits if we are consistent in doing something good for us?

You may have noticed that I’ve been telling the knowledge is very important to achieve our goal to be free financially. So, how can we get this knowledge CONSISTENTLY? We must align with latest information in investment world on banking products available, portfolio available, etc. And definitely all these are halal and legitimate! In order to equip with latest information or knowledge we have to ensure to read, share, and ask people CONSISTENTLY. When we read we know something new is available in the market or something we know is already obsolete in the market. When we know something new in the market we may want to share with our colleagues and later may ask them whether they are familiar or new to them. If they are familiar with our latest information, things get easier because we have someone can explain further on the information so that easier to digest. When we easily digest the information, then it is easier for us to take action which ultimately will give us the results.

When we develop our consistency in reading, sharing, and asking, we’ll benefit without noticing it. From this consistency we can develop discipline internally to keep on reading to gain more knowledge before take into action. Why is this so important before take action? Huh?! It’s simple because we can see the impacts based on lesson learnt people have shared from the readings. We may share our colleagues and they might have experienced it in reality and could be our benchmark prior to take action.

Since we go on with reading, sharing, and asking consistently we are indirectly gaining experience by reading to others experiences. Experiences are something very precious because they may save you from very big disasters. We must be very thankful if there are people to share their experiences even they are charging us with some amount. I would suggest to get this experience by reading so that we have ample time to digest and later we can ask somebody more familiar. This could be more efficient and economical!

While acquiring the knowledge and experiences by reading, sharing, and asking; you may indirectly have developed passionate and confidence in investment. This leads to develop interest in subject matter which is in this subject related personal finance and investment. It could be a bit difficult at beginning but believe me, you’ll feel the sweetness by doing it CONSISTENTLY!