Kajian pakar KITCO bhubung dengan harga emas minggu depan (mulai 10/10/11 - 14/10/11)
Bullish (naik) - 69.6%
Bearish (turun) - 13.0%
Unchanged (menten) - 17.4%
Bullish (naik) - 69.6%
Bearish (turun) - 13.0%
Unchanged (menten) - 17.4%
Sunday, October 9, 2011
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Sunday, October 17, 2010
Friday, March 19, 2010
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Saturday, February 13, 2010
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Thursday, January 21, 2010
Thursday, January 14, 2010
Soalan Umum Pelaburan Dalam Saham Amanah
Soalan Umum Pelaburan Dalam Saham Amanah
Sumber: www.bharian.com.my
BIASANYA dalam interaksi antara ejen saham amanah dan pelabur, hanya ejen yang banyak bercakap, manakala pelabur lebih banyak mendengar.
Tidak banyak soalan yang relevan ditanyakan oleh pelabur kecuali soalan lazim - “berapa banyak dividen akan diberikan oleh saham amanah ini?” atau “apakah jumlah minimum untuk memulakan pelaburan?”.
Tetapi untuk memperoleh manfaat sepenuhnya daripada pelaburan saham amanah, anda mestilah bersedia untuk bertanya banyak soalan.
Jawapan yang anda peroleh daripada ejen itu boleh membantu anda menentukan sama ada melabur dalam saham amanah yang ditawarkan itu bersesuaian dengan matlamat pelaburan anda.
Ini juga dapat mengelakkan anda daripada melabur dalam produk saham amanah yang tidak bersesuaian tetapi dipromosikan secara berlebih-lebihan oleh ejen kerana dia mendapat komisen yang tinggi daripada penjualannya.
Antara soalan cadangan yang anda patut tanyakan kepada ejen anda.
Adakah saham amanah ini berdaftar dengan Suruhanjaya Sekuriti (SC)?
Semua produk saham amanah mestilah didaftarkan dengan SC. Untuk memastikan produk pelaburan itu didaftarkan dengan SC, hubungi 03-62048000 dan minta disambungkan kepada Jabatan Tabung Amanah Amanah dan Pengurusan Pelaburan atau lawati laman web SC di www.sc.com.my
Berapa lama syarikat saham amanah itu sudah beroperasi? Apakah rekod atau prestasi syarikat itu dalam memberikan pulangan yang dijanjikan?
Pelabur perlu memeriksa latar belakang sesebuah syarikat saham amanah, termasuk syarikat yang akan menguruskan dana berkenaan (jika dana itu diuruskan oleh pengurus dana luar). Cari maklumat mengenai rekod prestasi dan pengalaman mereka. Anda mesti berusaha untuk mengenali mereka yang diamanahkan bagi mengendalikan wang hasil titik peluh anda.
Adakah dana itu bersesuaian dengan matlamat pelaburan dan profil risiko anda?
Sebelum anda bertanyakan soalan ini, anda mesti mengetahui dan yakin mengenai matlamat pelaburan anda dan berapa banyak risiko pelaburan yang anda mampu tanggung (risiko pelaburan pada umumnya adalah keadaan yang mungkin berlaku dan menyebabkan anda menanggung kerugian). Sekarang ini, ada banyak jenis dana di pasaran, setiap satu dengan manfaat dan risiko tersendiri (Lebih tinggi pulangan yang dijanjikan, lebih tinggi risiko yang terpaksa ditanggung). Justeru, penting bagi anda memahami dana yang ditawarkan dan memilih dana yang benar-benar bersesuaian dengan matlamat pelaburan dan kesanggupan anda menghadapi risiko. Misalnya, jika anda mahu pendapatan yang konsisten, anda perlu melabur dalam dana yang menyediakan pulangan konsisten. Anda tidak seharusnya membiarkan diri dipaksa oleh mana-mana ejen untuk melabur dalam dana yang tidak bersesuaian dengan anda.
Apa yang berlaku kepada wang yang dilaburkan dalam dana berkenaan? Di manakah wang itu akan dilaburkan?
Setiap dana saham amanah mempunyai strategi pelaburannya sendiri untuk memenuhi matlamat pelaburan. Contohnya, bagi dana ekuiti, pada umumnya, kebanyakan daripada aset itu dilaburkan dalam ekuiti syarikat tersenarai di bursa saham yang berpotensi untuk berkembang dan bukan syarikat saham mewah yang menawarkan dividen yang konsisten. Sebaliknya, dana bon akan melaburkan kebanyakan dananya dalam produk bon yang berisiko rendah.
Amat penting bagi pelabur mengetahui bahawa dalam produk pelaburan yang manakah dana itu akan melabur, kerana ini mempunyai implikasi terus ke atas tahap toleransi risiko pelabur. Jika dana itu melabur dalam produk berisiko tinggi, saham amanah itu sendiri akan menjadi pelaburan berisiko tinggi.
Bagaimana hendak mengetahui bahawa dana yang anda laburkan itu berkeadaan baik? Bagaimana hendak membandingkannya dengan dana yang lain?
Setiap dana mempunyai ukur rujuknya sendiri (sesuatu yang anda boleh jadikan ukuran prestasi), yang dinyatakan dalam prospektus. Anda boleh membandingkan kadar pulangan anda dengan ukur rujuk atau penanda aras berkenaan. Ukur rujuk yang biasa bagi dana ialah Indeks Komposit Kuala Lumpur (KLCI) manakala bagi dana bon, biasanya adalah pada kadar purata 12-bulan deposit tetap bank.
Selain itu, anda boleh membandingkan dana anda dengan dana lain yang mempunyai kriteria sama. Contohnya, jika anda melabur dalam dana bon, bandingkan prestasinya dengan dana bon yang lain. Saham amanah yang lebih kompleks mungkin mempunyai ukur rujuk yang lebih kompleks.
Bagaimana anda boleh membuat keuntungan daripada dana itu? Untung modal atau dividen?
Jika anda melabur dalam saham amanah, pulangan anda mungkin dalam bentuk keuntungan modal (jika pergerakan harga unit memuaskan) atau dividen (jika syarikat pengurusan mengumumkan ada bayaran dividen). Pastikan ejen anda memberikan penerangan mengenai perkara ini dan baca prospektus.
Adakah anda perlu membayar sebarang bayaran atau caj?
Setiap pelaburan mempunyai kos, begitu juga pelaburan dalam saham amanah. Syarikat pengurusan saham amanah mungkin mengenakan caj pengagihan/transaksi seperti caj jualan dan/atau caj penebusan apabila anda membeli dan menjual unit dan mengenakan bayaran pengurusan dan bayaran pemegang amanah setiap tahun bagi perkhidmatan yang mereka sediakan. Ejen anda mesti menjelaskan semua itu kepada anda. Baca prospektus untuk mendapatkan maklumat lanjut mengenai bayaran dan caj.
Jika anda mengubah fikiran selepas melabur dalam sesuatu dana, bolehkan anda menjualkannya semula kepada syarikat itu dan mendapat bayaran balik sepenuhnya?
Pelabur diberikan ‘tempoh bertenang’ iaitu masa yang diberikan kepada pelabur bagi memikirkan semula sama ada mereka mahu meneruskan pelaburan dalam saham amanah itu atau pun tidak. Tertakluk kepada syarat, pelabur saham amanah berhak mendapat bayaran balik sepenuhnya jika dia memutuskan untuk tidak meneruskan pelaburan dalam dana berkenaan dalam masa ‘tempoh bertenang’. ‘Tempoh bertenang’ adalah hak anda. Keterangan lanjut mengenai ‘tempoh bertenang’ ada dinyatakan dalam prospektus.
Jika anda mahukan wang semula dengan segera, mudahkan menjualkan dana berkenaan? Berapa lama mesti menunggu sebelum boleh mendapatkan wang itu semula?
Saham amanah adalah pelaburan yang mudah dijual beli. Anda boleh berjumpa dengan ejen dan menyerahkan notis penebusan bagi menebus kembali unit anda dan mendapatkan wang kembali. Penting bagi anda mengetahui bila anda akan mendapat semula wang anda supaya anda lebih bersedia sekiranya anda memerlukan wang itu dengan segera. Tanyakan ejen anda. Butiran lanjut mengenai penebusan boleh didapati dalam prospektus.
Adakah anda akan mendapat apa-apa penyata berkaitan dengan status pelaburan daripada syarikat pengurusan?
Proses pemantauan anda akan menjadi lebih mudah jika anda menerima penyata daripada syarikat pengurusan berkaitan status pelaburan anda. Dapatkan penjelasan mengenai kekerapan anda akan mendapat penyata berkenaan. Anda mesti memantau pelaburan anda.
Di mana anda boleh mendapatkan lebih banyak maklumat mengenai dana berkenaan?
Kebanyakan maklumat mengenai sesuatu dana saham amanah terdapat dalam prospektus dan laporan tahunannya. mintalah prospektus itu daripada ejen anda dan bacalah sebelum melabur.
Sumber: Pusat Perkembangan Industri Sekuriti SC.
Sumber: www.bharian.com.my
BIASANYA dalam interaksi antara ejen saham amanah dan pelabur, hanya ejen yang banyak bercakap, manakala pelabur lebih banyak mendengar.
Tidak banyak soalan yang relevan ditanyakan oleh pelabur kecuali soalan lazim - “berapa banyak dividen akan diberikan oleh saham amanah ini?” atau “apakah jumlah minimum untuk memulakan pelaburan?”.
Tetapi untuk memperoleh manfaat sepenuhnya daripada pelaburan saham amanah, anda mestilah bersedia untuk bertanya banyak soalan.
Jawapan yang anda peroleh daripada ejen itu boleh membantu anda menentukan sama ada melabur dalam saham amanah yang ditawarkan itu bersesuaian dengan matlamat pelaburan anda.
Ini juga dapat mengelakkan anda daripada melabur dalam produk saham amanah yang tidak bersesuaian tetapi dipromosikan secara berlebih-lebihan oleh ejen kerana dia mendapat komisen yang tinggi daripada penjualannya.
Antara soalan cadangan yang anda patut tanyakan kepada ejen anda.
Adakah saham amanah ini berdaftar dengan Suruhanjaya Sekuriti (SC)?
Semua produk saham amanah mestilah didaftarkan dengan SC. Untuk memastikan produk pelaburan itu didaftarkan dengan SC, hubungi 03-62048000 dan minta disambungkan kepada Jabatan Tabung Amanah Amanah dan Pengurusan Pelaburan atau lawati laman web SC di www.sc.com.my
Berapa lama syarikat saham amanah itu sudah beroperasi? Apakah rekod atau prestasi syarikat itu dalam memberikan pulangan yang dijanjikan?
Pelabur perlu memeriksa latar belakang sesebuah syarikat saham amanah, termasuk syarikat yang akan menguruskan dana berkenaan (jika dana itu diuruskan oleh pengurus dana luar). Cari maklumat mengenai rekod prestasi dan pengalaman mereka. Anda mesti berusaha untuk mengenali mereka yang diamanahkan bagi mengendalikan wang hasil titik peluh anda.
Adakah dana itu bersesuaian dengan matlamat pelaburan dan profil risiko anda?
Sebelum anda bertanyakan soalan ini, anda mesti mengetahui dan yakin mengenai matlamat pelaburan anda dan berapa banyak risiko pelaburan yang anda mampu tanggung (risiko pelaburan pada umumnya adalah keadaan yang mungkin berlaku dan menyebabkan anda menanggung kerugian). Sekarang ini, ada banyak jenis dana di pasaran, setiap satu dengan manfaat dan risiko tersendiri (Lebih tinggi pulangan yang dijanjikan, lebih tinggi risiko yang terpaksa ditanggung). Justeru, penting bagi anda memahami dana yang ditawarkan dan memilih dana yang benar-benar bersesuaian dengan matlamat pelaburan dan kesanggupan anda menghadapi risiko. Misalnya, jika anda mahu pendapatan yang konsisten, anda perlu melabur dalam dana yang menyediakan pulangan konsisten. Anda tidak seharusnya membiarkan diri dipaksa oleh mana-mana ejen untuk melabur dalam dana yang tidak bersesuaian dengan anda.
Apa yang berlaku kepada wang yang dilaburkan dalam dana berkenaan? Di manakah wang itu akan dilaburkan?
Setiap dana saham amanah mempunyai strategi pelaburannya sendiri untuk memenuhi matlamat pelaburan. Contohnya, bagi dana ekuiti, pada umumnya, kebanyakan daripada aset itu dilaburkan dalam ekuiti syarikat tersenarai di bursa saham yang berpotensi untuk berkembang dan bukan syarikat saham mewah yang menawarkan dividen yang konsisten. Sebaliknya, dana bon akan melaburkan kebanyakan dananya dalam produk bon yang berisiko rendah.
Amat penting bagi pelabur mengetahui bahawa dalam produk pelaburan yang manakah dana itu akan melabur, kerana ini mempunyai implikasi terus ke atas tahap toleransi risiko pelabur. Jika dana itu melabur dalam produk berisiko tinggi, saham amanah itu sendiri akan menjadi pelaburan berisiko tinggi.
Bagaimana hendak mengetahui bahawa dana yang anda laburkan itu berkeadaan baik? Bagaimana hendak membandingkannya dengan dana yang lain?
Setiap dana mempunyai ukur rujuknya sendiri (sesuatu yang anda boleh jadikan ukuran prestasi), yang dinyatakan dalam prospektus. Anda boleh membandingkan kadar pulangan anda dengan ukur rujuk atau penanda aras berkenaan. Ukur rujuk yang biasa bagi dana ialah Indeks Komposit Kuala Lumpur (KLCI) manakala bagi dana bon, biasanya adalah pada kadar purata 12-bulan deposit tetap bank.
Selain itu, anda boleh membandingkan dana anda dengan dana lain yang mempunyai kriteria sama. Contohnya, jika anda melabur dalam dana bon, bandingkan prestasinya dengan dana bon yang lain. Saham amanah yang lebih kompleks mungkin mempunyai ukur rujuk yang lebih kompleks.
Bagaimana anda boleh membuat keuntungan daripada dana itu? Untung modal atau dividen?
Jika anda melabur dalam saham amanah, pulangan anda mungkin dalam bentuk keuntungan modal (jika pergerakan harga unit memuaskan) atau dividen (jika syarikat pengurusan mengumumkan ada bayaran dividen). Pastikan ejen anda memberikan penerangan mengenai perkara ini dan baca prospektus.
Adakah anda perlu membayar sebarang bayaran atau caj?
Setiap pelaburan mempunyai kos, begitu juga pelaburan dalam saham amanah. Syarikat pengurusan saham amanah mungkin mengenakan caj pengagihan/transaksi seperti caj jualan dan/atau caj penebusan apabila anda membeli dan menjual unit dan mengenakan bayaran pengurusan dan bayaran pemegang amanah setiap tahun bagi perkhidmatan yang mereka sediakan. Ejen anda mesti menjelaskan semua itu kepada anda. Baca prospektus untuk mendapatkan maklumat lanjut mengenai bayaran dan caj.
Jika anda mengubah fikiran selepas melabur dalam sesuatu dana, bolehkan anda menjualkannya semula kepada syarikat itu dan mendapat bayaran balik sepenuhnya?
Pelabur diberikan ‘tempoh bertenang’ iaitu masa yang diberikan kepada pelabur bagi memikirkan semula sama ada mereka mahu meneruskan pelaburan dalam saham amanah itu atau pun tidak. Tertakluk kepada syarat, pelabur saham amanah berhak mendapat bayaran balik sepenuhnya jika dia memutuskan untuk tidak meneruskan pelaburan dalam dana berkenaan dalam masa ‘tempoh bertenang’. ‘Tempoh bertenang’ adalah hak anda. Keterangan lanjut mengenai ‘tempoh bertenang’ ada dinyatakan dalam prospektus.
Jika anda mahukan wang semula dengan segera, mudahkan menjualkan dana berkenaan? Berapa lama mesti menunggu sebelum boleh mendapatkan wang itu semula?
Saham amanah adalah pelaburan yang mudah dijual beli. Anda boleh berjumpa dengan ejen dan menyerahkan notis penebusan bagi menebus kembali unit anda dan mendapatkan wang kembali. Penting bagi anda mengetahui bila anda akan mendapat semula wang anda supaya anda lebih bersedia sekiranya anda memerlukan wang itu dengan segera. Tanyakan ejen anda. Butiran lanjut mengenai penebusan boleh didapati dalam prospektus.
Adakah anda akan mendapat apa-apa penyata berkaitan dengan status pelaburan daripada syarikat pengurusan?
Proses pemantauan anda akan menjadi lebih mudah jika anda menerima penyata daripada syarikat pengurusan berkaitan status pelaburan anda. Dapatkan penjelasan mengenai kekerapan anda akan mendapat penyata berkenaan. Anda mesti memantau pelaburan anda.
Di mana anda boleh mendapatkan lebih banyak maklumat mengenai dana berkenaan?
Kebanyakan maklumat mengenai sesuatu dana saham amanah terdapat dalam prospektus dan laporan tahunannya. mintalah prospektus itu daripada ejen anda dan bacalah sebelum melabur.
Sumber: Pusat Perkembangan Industri Sekuriti SC.
Tuesday, January 12, 2010
Friday, December 18, 2009
Pertanyaan tentang Insurance Kereta Motor
Can I backdate my car insurance and road tax renewal?
02 November 2009
This happens when your car insurance and road tax have expired for some time.
In fact, you are not allowed to backdate your insurance and road tax. Here’s an example you may refer to:
Case 1
Mr. X’s car insurance and road tax expired on 1/11/09. Today is already 7/11/09 and he decided to renew his insurance and road tax. He wishes to backdate renew his insurance and road tax from 2/11/09.
It is impossible to cover your vehicle with the period of cover that is already past. By the way, it’s not fair for owners to pay to protect the past, and impossible. Thus, the period of cover must always start from today or future.
As for Mr. X’s case. He should start his renewal on 7/11/09.
If he had an accident or encountered theft during this week time with no insurance coverage, it would be at his total responsibility for damage or loss of his vehicle.
*If you think this post is wrong or confusing, please leave a comment.
Posted in Accident Claim, Car Theft, Insurance / Takaful Related | No Comments »
Can I purchase my car insurance from 2 or more insurance companies?
22 October 2009
Unfortunately, there is a restriction for insureds to purchase or renew with more than 1 insurance company. Some might insure with 2 or more insurance companies, so that they can profit from the insurance companies. However, this is not allowed.
It is a breach of a clause in the agreement that says that the insured must not be insured by more than one insurance provider. Insurance companies have the right of not compensating when you are making a claim, or the total claim amount will be split among the insurance providers accordingly.
You must remember that you must not profit from insurance claims.
* If you think this post is wrong or confusing, please leave a comment.
Tags: car insurance advice
Posted in Insurance / Takaful Related | No Comments »
Can I purchase third party coverage if vehicle is still under hire & purchase (car loan) service?
13 October 2009
Unfortunately, the answer is NO. You must purchase Comprehensive coverage plan for your vehicle when your vehicle is still under hire & purchase service by any financial institutes.
The reason is: when your vehicle is under hire & purchase service, the financial institute (bank or credit company) own the vehicle and not you. Thus, in order to protect the vehicle, it is compulsory to purchase the full comprehensive coverage plan until you have fully paid off or settled the hire & purchase service. Till then, you may decide to purchase either comprehensive or third party coverage plan on your own preference.
* If you think this post is wrong or confusing, please leave a comment.
Tags: third party coverage
Posted in Insurance / Takaful Related | No Comments »
Comprehensive or Third Party?
13 October 2009
The difference between comprehensive and third party coverage is vast. While you are deciding which coverage you should opt for, there are a few things you may need to consider.
1) Age of your vehicle
2) Value of your vehicle
3) Is your vehicle under hire & purchase (car loan) service?
Usually, owners will opt for third party coverage when their vehicles are old, have low value and finished hire & purchase service.
* If your vehicle is still under hire & purchase (car loan) service, it’s compulsory to purchase COMPREHENSIVE coverage only.
However, it’s wise to have comprehensive coverage.
Insurance Type / Cover Third Party Comprehensive
Liability to third party involved for:
injury YES YES
death
property loss / damage
Loss / damage to own vehicle NO YES
due to accidental fire / theft
Loss / damage to own vehicle NO YES
due to accident
Insurance Type / Cover
Third Party
Comprehensive
Liability to third party involved for:
injury
YES
YES
death
property loss / damage
Loss / damage to own vehicle
NO
YES
due to accidental fire / theft
Loss / damage to own vehicle
NO
YES
due to accident
Tags: car insurance advice, Comprehensive coverage, third party coverage
Posted in Insurance / Takaful Related | No Comments »
JPJ or PDRM system down – Renew your insurance and road tax earlier
05 October 2009
It is always not advisable to renew your car insurance and road tax the Malaysian preferred way, the last minute way. You may think that you will definitely get them done even at the very last minute. Unfortunately, you must always remember this, “Things tend to break down when you need them the most. ”
Case 1:
Mr. A renews his car insurance and road tax on the same day of his car insurance and road tax expiry. Everything goes fine until when he waits for his road tax. He is informed that he has a traffic summon to be settled before he can have his road tax renewal done. Unfortunately, the PDRM (traffic police) system has been down for quite some time and he is unable to settle his summon. Thus, he could not drive his vehicle for the entire week, and till the day where he is able to pay the summon. The JPJ system is down for some unknown reasons, and he has to wait again till the system is back online in order to renew his road tax.
Imagine the inconvenience Mr. A experiences during the waiting period.
It is always good to get things done before it gets urgent. It helps save your unnecessary troubles and problems.
* If you think this post is wrong or confusing, please leave a comment.
Tags: car insurance and road tax renewal advice
Posted in Insurance / Takaful Related, Road Tax Related | No Comments »
Advice on unnotified cancellation of your insurance / takaful policy
30 September 2009
It is a fact that car insurance or Takaful has to be done in order to renew road tax. However, when you receive your insurance E-Covernote and road tax, you are advised to contact your selected insurance company to ensure your vehicle is being insured.
Case 1:
Mr. A assigned a proxy and made payment to renew car insurance and road tax. He received an insurance E-Covernote and road tax. A year later when his car insurance and road tax are expiring, he called to the insurance company to check his accumulated NCD and he was told that his insurance was canceled a year ago on the same day he received the road tax . And he knew nothing about it.
Mr. A was fortunate enough that his vehicle was not stolen or did not get into an accident during the entire year. If he were involved in an accident or theft, he would suffer a relatively large sum of loss.
Finally, Mr. A knew that the proxy was actually cheating and reported to insurance company.
Readers are advised to recheck the status of car insurance with your insurance company to ensure your car insurance coverage plan is active even if you receive E-Covernote or Policy.
If you think this article is wrong or confusing, please leave a comment.
Tags: insurance and takaful advice
Posted in Insurance / Takaful Related | 1 Comment »
Last minute car insurance or Takaful and road tax renewal
18 September 2009
Yes, you may still renew your car insurance or Takaful and road tax one or two days before expiry date or holiday. You may simply log on to www.EasyRenew.com.my to perform your renewal and you will receive insurance and road tax within half a working day(Klang Valley) or next working day (Nationwide) without submitting your car registration card.
However, it is not advisable to renew your car insurance and road tax at very last minute.
*If you think this article is wrong or confusing, please leave a comment.
02 November 2009
This happens when your car insurance and road tax have expired for some time.
In fact, you are not allowed to backdate your insurance and road tax. Here’s an example you may refer to:
Case 1
Mr. X’s car insurance and road tax expired on 1/11/09. Today is already 7/11/09 and he decided to renew his insurance and road tax. He wishes to backdate renew his insurance and road tax from 2/11/09.
It is impossible to cover your vehicle with the period of cover that is already past. By the way, it’s not fair for owners to pay to protect the past, and impossible. Thus, the period of cover must always start from today or future.
As for Mr. X’s case. He should start his renewal on 7/11/09.
If he had an accident or encountered theft during this week time with no insurance coverage, it would be at his total responsibility for damage or loss of his vehicle.
*If you think this post is wrong or confusing, please leave a comment.
Posted in Accident Claim, Car Theft, Insurance / Takaful Related | No Comments »
Can I purchase my car insurance from 2 or more insurance companies?
22 October 2009
Unfortunately, there is a restriction for insureds to purchase or renew with more than 1 insurance company. Some might insure with 2 or more insurance companies, so that they can profit from the insurance companies. However, this is not allowed.
It is a breach of a clause in the agreement that says that the insured must not be insured by more than one insurance provider. Insurance companies have the right of not compensating when you are making a claim, or the total claim amount will be split among the insurance providers accordingly.
You must remember that you must not profit from insurance claims.
* If you think this post is wrong or confusing, please leave a comment.
Tags: car insurance advice
Posted in Insurance / Takaful Related | No Comments »
Can I purchase third party coverage if vehicle is still under hire & purchase (car loan) service?
13 October 2009
Unfortunately, the answer is NO. You must purchase Comprehensive coverage plan for your vehicle when your vehicle is still under hire & purchase service by any financial institutes.
The reason is: when your vehicle is under hire & purchase service, the financial institute (bank or credit company) own the vehicle and not you. Thus, in order to protect the vehicle, it is compulsory to purchase the full comprehensive coverage plan until you have fully paid off or settled the hire & purchase service. Till then, you may decide to purchase either comprehensive or third party coverage plan on your own preference.
* If you think this post is wrong or confusing, please leave a comment.
Tags: third party coverage
Posted in Insurance / Takaful Related | No Comments »
Comprehensive or Third Party?
13 October 2009
The difference between comprehensive and third party coverage is vast. While you are deciding which coverage you should opt for, there are a few things you may need to consider.
1) Age of your vehicle
2) Value of your vehicle
3) Is your vehicle under hire & purchase (car loan) service?
Usually, owners will opt for third party coverage when their vehicles are old, have low value and finished hire & purchase service.
* If your vehicle is still under hire & purchase (car loan) service, it’s compulsory to purchase COMPREHENSIVE coverage only.
However, it’s wise to have comprehensive coverage.
Insurance Type / Cover Third Party Comprehensive
Liability to third party involved for:
injury YES YES
death
property loss / damage
Loss / damage to own vehicle NO YES
due to accidental fire / theft
Loss / damage to own vehicle NO YES
due to accident
Insurance Type / Cover
Third Party
Comprehensive
Liability to third party involved for:
injury
YES
YES
death
property loss / damage
Loss / damage to own vehicle
NO
YES
due to accidental fire / theft
Loss / damage to own vehicle
NO
YES
due to accident
Tags: car insurance advice, Comprehensive coverage, third party coverage
Posted in Insurance / Takaful Related | No Comments »
JPJ or PDRM system down – Renew your insurance and road tax earlier
05 October 2009
It is always not advisable to renew your car insurance and road tax the Malaysian preferred way, the last minute way. You may think that you will definitely get them done even at the very last minute. Unfortunately, you must always remember this, “Things tend to break down when you need them the most. ”
Case 1:
Mr. A renews his car insurance and road tax on the same day of his car insurance and road tax expiry. Everything goes fine until when he waits for his road tax. He is informed that he has a traffic summon to be settled before he can have his road tax renewal done. Unfortunately, the PDRM (traffic police) system has been down for quite some time and he is unable to settle his summon. Thus, he could not drive his vehicle for the entire week, and till the day where he is able to pay the summon. The JPJ system is down for some unknown reasons, and he has to wait again till the system is back online in order to renew his road tax.
Imagine the inconvenience Mr. A experiences during the waiting period.
It is always good to get things done before it gets urgent. It helps save your unnecessary troubles and problems.
* If you think this post is wrong or confusing, please leave a comment.
Tags: car insurance and road tax renewal advice
Posted in Insurance / Takaful Related, Road Tax Related | No Comments »
Advice on unnotified cancellation of your insurance / takaful policy
30 September 2009
It is a fact that car insurance or Takaful has to be done in order to renew road tax. However, when you receive your insurance E-Covernote and road tax, you are advised to contact your selected insurance company to ensure your vehicle is being insured.
Case 1:
Mr. A assigned a proxy and made payment to renew car insurance and road tax. He received an insurance E-Covernote and road tax. A year later when his car insurance and road tax are expiring, he called to the insurance company to check his accumulated NCD and he was told that his insurance was canceled a year ago on the same day he received the road tax . And he knew nothing about it.
Mr. A was fortunate enough that his vehicle was not stolen or did not get into an accident during the entire year. If he were involved in an accident or theft, he would suffer a relatively large sum of loss.
Finally, Mr. A knew that the proxy was actually cheating and reported to insurance company.
Readers are advised to recheck the status of car insurance with your insurance company to ensure your car insurance coverage plan is active even if you receive E-Covernote or Policy.
If you think this article is wrong or confusing, please leave a comment.
Tags: insurance and takaful advice
Posted in Insurance / Takaful Related | 1 Comment »
Last minute car insurance or Takaful and road tax renewal
18 September 2009
Yes, you may still renew your car insurance or Takaful and road tax one or two days before expiry date or holiday. You may simply log on to www.EasyRenew.com.my to perform your renewal and you will receive insurance and road tax within half a working day(Klang Valley) or next working day (Nationwide) without submitting your car registration card.
However, it is not advisable to renew your car insurance and road tax at very last minute.
*If you think this article is wrong or confusing, please leave a comment.
Monday, December 14, 2009
Blog Advertising – Understand Your Blog’s Real Estate
Blog Advertising – Understand Your Blog’s Real Estate
by GOBALA KRISHNAN on DECEMBER 14, 2009
in BLOGGING TIPS
Not all space on your blog is created equal. How much you understand about your blog’s real estate will ultimately influence the results you get.
That being said, which parts of your blog are more valuable? Where should you put your main money-making ad, link or Aweber optin form?
I’ve broken down a typical 3-column blog layout (like the one we use here) into a few profitable areas:
Content Area – No matter which type of layout you use, the content area is by far the more valuable spot. People visit your blog to read content, not to look at your ads or design. Sure, a jaw-dropping design is cool the first time, but it will not get people to stick. Ads, links and optin forms within your content is the most valuable, as it is guaranteed to reach the eyeball of your visitor. It’s even more effective if your ads are tightly related to the content itself.
Left Navigation – If your blog has a left-column navigation (like ours), then this is the second most valuable spot. People in most countries read from left to right, and on the way to your content their eyeballs have to pay at least some attention to the navigation area.
Right Navigation – Unlike the left navigation, your visitors don’t have to pay attention to the anything after the actual content area. Since they don’t have to, they rarely will. People are quite accustomed to grid-based website layouts and they know (almost instinctively) where to look for content, and what to ignore.
Header Area – Although the header area comes before everything else, it’s too detached from the actual content, which makes it the second least valuable spot on your blog. I will almost never pay an advertiser for placing banner ads in the header area. The more frequent someone visits your blog, the most invisible the header area gets.
Footer Area – It’s almost worthless to even consider the footer area as a possible most maker. Detached from content and navigation, and too far from eyeballs, the footer is best left for things than don’t really require attention.
Yeah i know; your results may be different. However, in most cases this simple grid-based logic works well. The real question though, is what should you do with this information?
If you want to squeeze more money from your blog, you need to reorganize certain elements to work for you, instead of against you. Here are a few ideas:
In-Content Ads – If you’re selling banner ads on your blog, create a spot in the content area itself. Savvy advertisers are willing to pay much more for an in-content ad, and you can easily increase your advertising dollars overnight.
Affiliate Links vs Affiliate Banners – If you’re promoting an affiliate product, forget banner ads. It’s much better to use affiliate links weaved into the content. Plus, having less ads frees up important real estate for other purposes.
Reorganize Your Navigation – Are your navigation links eating up valuable advertising space? Move them away to non-profitable areas like the right sidebar, header of footer so you can make more money from the profitable ones.
Footer Dump – Anything else that your readers don’t really need, but which is essential for your blog (privacy policy, disclaimers etc), has to be moved to the footer. The footer area is the universal dumping ground for all non-profitable stuff.
The next time you decided to get a new theme for your blog, ask yourself an important question- “What do I want to achieve with my blog?”
Always put function above form. Understand the main objective of your blog.
Is it to communicate your ideas? Then move your content to the left, followed by navigation, and use minimal ads. Is your objective to build a mailing list or get more subscribers? Then put your optin form in the profitable areas instead of hiding it beneath meaningless ad
by GOBALA KRISHNAN on DECEMBER 14, 2009
in BLOGGING TIPS
Not all space on your blog is created equal. How much you understand about your blog’s real estate will ultimately influence the results you get.
That being said, which parts of your blog are more valuable? Where should you put your main money-making ad, link or Aweber optin form?
I’ve broken down a typical 3-column blog layout (like the one we use here) into a few profitable areas:
Content Area – No matter which type of layout you use, the content area is by far the more valuable spot. People visit your blog to read content, not to look at your ads or design. Sure, a jaw-dropping design is cool the first time, but it will not get people to stick. Ads, links and optin forms within your content is the most valuable, as it is guaranteed to reach the eyeball of your visitor. It’s even more effective if your ads are tightly related to the content itself.
Left Navigation – If your blog has a left-column navigation (like ours), then this is the second most valuable spot. People in most countries read from left to right, and on the way to your content their eyeballs have to pay at least some attention to the navigation area.
Right Navigation – Unlike the left navigation, your visitors don’t have to pay attention to the anything after the actual content area. Since they don’t have to, they rarely will. People are quite accustomed to grid-based website layouts and they know (almost instinctively) where to look for content, and what to ignore.
Header Area – Although the header area comes before everything else, it’s too detached from the actual content, which makes it the second least valuable spot on your blog. I will almost never pay an advertiser for placing banner ads in the header area. The more frequent someone visits your blog, the most invisible the header area gets.
Footer Area – It’s almost worthless to even consider the footer area as a possible most maker. Detached from content and navigation, and too far from eyeballs, the footer is best left for things than don’t really require attention.
Yeah i know; your results may be different. However, in most cases this simple grid-based logic works well. The real question though, is what should you do with this information?
If you want to squeeze more money from your blog, you need to reorganize certain elements to work for you, instead of against you. Here are a few ideas:
In-Content Ads – If you’re selling banner ads on your blog, create a spot in the content area itself. Savvy advertisers are willing to pay much more for an in-content ad, and you can easily increase your advertising dollars overnight.
Affiliate Links vs Affiliate Banners – If you’re promoting an affiliate product, forget banner ads. It’s much better to use affiliate links weaved into the content. Plus, having less ads frees up important real estate for other purposes.
Reorganize Your Navigation – Are your navigation links eating up valuable advertising space? Move them away to non-profitable areas like the right sidebar, header of footer so you can make more money from the profitable ones.
Footer Dump – Anything else that your readers don’t really need, but which is essential for your blog (privacy policy, disclaimers etc), has to be moved to the footer. The footer area is the universal dumping ground for all non-profitable stuff.
The next time you decided to get a new theme for your blog, ask yourself an important question- “What do I want to achieve with my blog?”
Always put function above form. Understand the main objective of your blog.
Is it to communicate your ideas? Then move your content to the left, followed by navigation, and use minimal ads. Is your objective to build a mailing list or get more subscribers? Then put your optin form in the profitable areas instead of hiding it beneath meaningless ad
Saturday, December 5, 2009
WhiteSmoke Template-Greetings Babies
A New Arrival - A Baby Boy
Dear
You've just received a cherished gift from God,
More precious than a priceless pearl.
We wish the best for both of you,
And your darling baby Boy.
May He have a wonderful life,
Grow up to be healthy and strong.
May He learn from your life's experiences,
How to cope when things go wrong
May He always be thoughtful of others,
And pray to God up above.
May He convey to all his family and friends,
His heart is filled with love.
Warm wishes,
Congratulations on your Baby Girl
Dear
Your little baby's here at last, And your hearts all a whirl,
As you thank God above for sending you a little girl.
She'll wrap you around her little finger,with her innocent little eyes
And you'll want to give her all that she desires.
And as you cradle her sweet head and hold her in your arms,
You are holding a piece of Heaven, who will thrill you with her charms.
For little girls have a special way of looking up at you
And thanking you and loving you, for all the things you do.
Warm wishes,
Congratulations on your Baby Son
Dear
Congratulations on the birth of your boy,
He will fill your life with joy.
I know you are excited about your son,
You will have a life of fun.
Little boys are are full of love,
They were sent from the Lord above.
He will grow from child to man,
and for you he'll do all he can.
So to you I say, "My friend well done,
On the birth of your baby son."
Warm wishes,
Dear
You've just received a cherished gift from God,
More precious than a priceless pearl.
We wish the best for both of you,
And your darling baby Boy.
May He have a wonderful life,
Grow up to be healthy and strong.
May He learn from your life's experiences,
How to cope when things go wrong
May He always be thoughtful of others,
And pray to God up above.
May He convey to all his family and friends,
His heart is filled with love.
Warm wishes,
Congratulations on your Baby Girl
Dear
Your little baby's here at last, And your hearts all a whirl,
As you thank God above for sending you a little girl.
She'll wrap you around her little finger,with her innocent little eyes
And you'll want to give her all that she desires.
And as you cradle her sweet head and hold her in your arms,
You are holding a piece of Heaven, who will thrill you with her charms.
For little girls have a special way of looking up at you
And thanking you and loving you, for all the things you do.
Warm wishes,
Congratulations on your Baby Son
Dear
Congratulations on the birth of your boy,
He will fill your life with joy.
I know you are excited about your son,
You will have a life of fun.
Little boys are are full of love,
They were sent from the Lord above.
He will grow from child to man,
and for you he'll do all he can.
So to you I say, "My friend well done,
On the birth of your baby son."
Warm wishes,
WhiteSmoke Template-Greetings Anniversary!
An Anniversary Greeting
My Love,
It is five years we have been together!
I want to thank you for all the tenderness and love you have given me. My life is much better thanks to your presence; you bring me much peace and joy.
Your love has changed me, has made me look upon the world and future expectations under a new light.
Today, the day of our anniversary, I want to tell you again that I love you and you are the one who makes me a happier person each day.
Love always,
An Anniversary Wish
Darling
The day I met you was the most important and happiest day of my life!
So many good things have happened this past year, so many pleasant moments. All the tenderness we devoted to each other and such a lot of peace in my heart.
You are a wonderful person who cares for me and makes me feel good.
As time goes by, and the more anniversaries we share, the more we will love each other. I love you very much and I know that our love will last forever.
Happy Anniversary!
Love always,
Happy Anniversary
Loving you makes each day special!
You are everything to me, all I've ever dreamed of,
my passionate lover and my best friend.
You are the flower of my life, my reason for living.
And I look forward to the days ahead,
knowing that you will be here to share my life with me.
Happy Anniversary!
Your Wedding Anniversary
Your marriage has been always been the combination of two lives
and two hearts sharing love, respect and affection -
a perfect union from the very start.
Your commitment of caring and sharing
from the time you said, "I do," has built a lifetime
of beautiful memories for both of you.
May you continue to find happiness together,
with all the love in your hearts to last forever.
Congratulations.
My Love,
It is five years we have been together!
I want to thank you for all the tenderness and love you have given me. My life is much better thanks to your presence; you bring me much peace and joy.
Your love has changed me, has made me look upon the world and future expectations under a new light.
Today, the day of our anniversary, I want to tell you again that I love you and you are the one who makes me a happier person each day.
Love always,
An Anniversary Wish
Darling
The day I met you was the most important and happiest day of my life!
So many good things have happened this past year, so many pleasant moments. All the tenderness we devoted to each other and such a lot of peace in my heart.
You are a wonderful person who cares for me and makes me feel good.
As time goes by, and the more anniversaries we share, the more we will love each other. I love you very much and I know that our love will last forever.
Happy Anniversary!
Love always,
Happy Anniversary
Loving you makes each day special!
You are everything to me, all I've ever dreamed of,
my passionate lover and my best friend.
You are the flower of my life, my reason for living.
And I look forward to the days ahead,
knowing that you will be here to share my life with me.
Happy Anniversary!
Your Wedding Anniversary
Your marriage has been always been the combination of two lives
and two hearts sharing love, respect and affection -
a perfect union from the very start.
Your commitment of caring and sharing
from the time you said, "I do," has built a lifetime
of beautiful memories for both of you.
May you continue to find happiness together,
with all the love in your hearts to last forever.
Congratulations.
WhiteSmoke Template-Finance
1. Agreement to Compromise Debt
John Smith, referred to as CREDITOR and Jane Doe, referred to as DEBTOR, agree to compromise the indebtedness as between them. CREDITOR, hereby agrees to compromise the indebtedness due the CREDITOR on the following terms and conditions:
The CREDITOR and the DEBTOR agree that the present debt due is $2468.18 (two thousand four hundred sixty eight & 18/100 dollars). The parties agree that the CREDITOR shall accept the sum of $1000.00 (one thousand & no/100 dollars) as full payment on the debt. The acceptance of the payment will serve as a complete discharge of all monies due. The payment shall be made in cash.
In addition, upon accepting of the $1000, the CREDITOR will notify all Credit Reporting Agencies that account is PAID AS AGREED, and delete any entries showing this account as ever being late.
This compromise is expressly conditioned upon the payment being received by March 15, 2005. If the DEBTOR fails to pay the compromised amount by March 15, 2005, the original amount owed by the DEBTOR will be reinstated in full, and immediately due.
This Agreement shall be binding upon and inure to the benefit of the parties, their successors and assigns.
Dated: _______________
Signature: ____________
John Smith
CREDITOR
Signature: ____________
Jane Doe
Debtor
2. Bank Error
Dear
Re: Account (Name and #)
I am bringing to your attention a situation that recently occurred in my account.
I request that you check this matter and resolve it as quickly possible.
Your hasty action in resolving this issue will be greatly appreciated and I thank you in advance and look forward to hearing from you.
Yours sincerely,
3.Debt Validation
Collection Agency
Re: Acct 123-345-78
I have just pulled out a copy of my credit report and noticed that your agency is reporting that I owe you a debt. I was not aware of this debt until now, and under my rights, I request that you validate this debt.
Sincerely,
4.Investigation of Billing Inquiry
Dear
re: Account: (Reference #/ Name)
Having completed the investigation of your billing inquiry, below please find the detailed summary of all your transactions over the past (days/.months/):-
DateDescriptionAmount
Transaction Description or paymentDollar Amount
Balance Due $ amount
In order for us to conclude this query, we request that you review the above transactions and the attached supporting documents, so that we can verify that your and our records correlate.
If, according to your calculations, there is a discrepancy and you still wish to dispute your billing, we request that you provide us with the documentation that you have on hand that supports your case. Upon receipt of said documentation, we will investigate your query further.
In the event of not hearing from you within (days/weeks), we will assume that your records concur with the above account information and subsequently we will close our investigation file.
Accordingly, we would ask you to forward your payment of ($amount, the said outstanding amount)as soon as possible to ensure that your account be kept updated with us.
Thank you.
Yours sincerely,
4. Letter of Credit (General)
Dear Sir
We hereby agree to accept and pay at maturity any draft or drafts on us, at a day's notice, issued by (Name of individual) of your city, to the extent of (Amount of limit) ($ ) Dollars, and negotiated through your bank.
Most respectfully yours,
DATED: _____________________
____________________________(Address)
5. Letter of Credit (Irrevocable)
Irrevocable Credit:
All drafts drawn must indicate credit number.
Gentlemen:
You are hereby authorized to value on the (bank), of the City of ________________, State of______________, for any sum or sums up to the aggregate of ______________($ ) Dollars.
For the account of ___________________
Available by your drafts at (specify) day's sight.
Drafts are to be accepted only against delivery of the following documents:
_________________________________________
Documents of title must be dated not later than __________, 20___.
All drafts against this credit are to be drawn and negotiated before (date).
We hereby agree with the drawers, endorsers, and bona fide holders of drafts drawn in compliance with the terms of this credit that they shall be honored on presentation.
Yours faithfully,
6. Credit Repair - Letter of Dispute
Complaint Department
Name of Company
Address
City, State, Zip Code
Dear Sir or Madam,
I am writing to dispute the following information in my file. The items that are in dispute also are encircled on the attached copy of the report that I have received.
This item (identify item disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment) is (inaccurate or incomplete) because (describe).
I am requesting that the item be deleted (or request another specific change) in order to correct the information.
Enclosed are copies of (payment records, court documents) supporting my position.
Please investigate this matter and (delete or correct) the disputed item as soon as possible.
Sincerely,
Enclosure
7. Removal of Inadequate Information
The Credit Bureau
Dear Credit Bureau,
This letter is a formal complaint that you are reporting inaccurate credit information.
I am very distressed that you have included the below information in my credit profile due to its damaging effect on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor's part. As a result of this inaccurate information, I have been wrongfully denied credit recently for a (insert credit type), which was highly embarrassing and has negatively impacted my lifestyle.
The following information therefore needs to be verified and deleted from the report as soon as possible:
Creditor Agency- acct. 123-456-ABC
Please delete the above information as quickly as possible.
Sincerely,
SSN# 123-45-6789
8. Reply to Application for Credit
Date:
I, the manager of the bank, read your request of a special loan for a period of time.
As a long standing customer of our bank, we are offering you a personal loan or line of credit which can help relieve you of the weight of your debts or help finance new purchases.
With such low rates you can save hundreds of dollars over the life of your loan. This will enable you to purchase the new car that concerned you with extremely easy terms.
The following may not concern you at the present moment, but you can convey the following on to others, that this loan is available to those intending to start or further develop a long standing business, and/or can be used to put a child through college.
Those are our recent loans that we are offering.
A personal loan can give you the financial freedom which can make your dreams a reality.
We wish you good luck with the purchase of your car.
Sincerely,
9. Request For Increase Credit Limit
Dear
We acknowledge receipt of request for an increase of credit limit. Having assessed your account and performed a careful review of your charge account ,(as is done with all requests) it pleases us to inform you that your credit limit has been increased. The credit limit as follows:
Old Credit Limit: $______________ New Credit Limit $_______________
Over and above this change of status of account, you now qualify for further benefits in the bank.
Should you require additional information about new benefits, please see one of our credit representatives on your next visit to the bank. If details are needed immediately, we request you make an appointment with the clerk who deals with your account or my co-worker and the new benefits will be outlined.
You are a valued customer, and the bank's policy is to please our customers, giving the greatest benefits available.
We appreciate your continued patronage with our bank and look forward to assist you at all times.
Yours faithfully,
10. Returning Unsigned Check
Dear
I thank you for your check received in the above amount.
Unfortunately, we noticed that you inadvertently neglected to sign this check. We realize that occasionally these oversights occur and hereby enclose the check requesting that it be appropriately signed and returned to us as quickly as possible for processing of payment.
Thank you for your prompt attention to this matter.
Yours sincerely,
11. Unauthorized Credit Inquiry
To: Credit Card Company
Dear Sir,
I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it.
Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.
I have sent this letter certified mail because I need your prompt response to this issue. I would appreciate your immediate attention to this matter and would be pleased to receive documentation that you have had the unauthorized inquiry removed.
If you find that I am remiss, and you by some chance did have my authorization to inquire into my credit report, then please send me proof of this.
Thanking you in advance.
Yours sincerely,
John Smith, referred to as CREDITOR and Jane Doe, referred to as DEBTOR, agree to compromise the indebtedness as between them. CREDITOR, hereby agrees to compromise the indebtedness due the CREDITOR on the following terms and conditions:
The CREDITOR and the DEBTOR agree that the present debt due is $2468.18 (two thousand four hundred sixty eight & 18/100 dollars). The parties agree that the CREDITOR shall accept the sum of $1000.00 (one thousand & no/100 dollars) as full payment on the debt. The acceptance of the payment will serve as a complete discharge of all monies due. The payment shall be made in cash.
In addition, upon accepting of the $1000, the CREDITOR will notify all Credit Reporting Agencies that account is PAID AS AGREED, and delete any entries showing this account as ever being late.
This compromise is expressly conditioned upon the payment being received by March 15, 2005. If the DEBTOR fails to pay the compromised amount by March 15, 2005, the original amount owed by the DEBTOR will be reinstated in full, and immediately due.
This Agreement shall be binding upon and inure to the benefit of the parties, their successors and assigns.
Dated: _______________
Signature: ____________
John Smith
CREDITOR
Signature: ____________
Jane Doe
Debtor
2. Bank Error
Dear
Re: Account (Name and #)
I am bringing to your attention a situation that recently occurred in my account.
I request that you check this matter and resolve it as quickly possible.
Your hasty action in resolving this issue will be greatly appreciated and I thank you in advance and look forward to hearing from you.
Yours sincerely,
3.Debt Validation
Collection Agency
Re: Acct 123-345-78
I have just pulled out a copy of my credit report and noticed that your agency is reporting that I owe you a debt. I was not aware of this debt until now, and under my rights, I request that you validate this debt.
Sincerely,
4.Investigation of Billing Inquiry
Dear
re: Account: (Reference #/ Name)
Having completed the investigation of your billing inquiry, below please find the detailed summary of all your transactions over the past (days/.months/):-
DateDescriptionAmount
Transaction Description or paymentDollar Amount
Balance Due $ amount
In order for us to conclude this query, we request that you review the above transactions and the attached supporting documents, so that we can verify that your and our records correlate.
If, according to your calculations, there is a discrepancy and you still wish to dispute your billing, we request that you provide us with the documentation that you have on hand that supports your case. Upon receipt of said documentation, we will investigate your query further.
In the event of not hearing from you within (days/weeks), we will assume that your records concur with the above account information and subsequently we will close our investigation file.
Accordingly, we would ask you to forward your payment of ($amount, the said outstanding amount)as soon as possible to ensure that your account be kept updated with us.
Thank you.
Yours sincerely,
4. Letter of Credit (General)
Dear Sir
We hereby agree to accept and pay at maturity any draft or drafts on us, at a day's notice, issued by (Name of individual) of your city, to the extent of (Amount of limit) ($ ) Dollars, and negotiated through your bank.
Most respectfully yours,
DATED: _____________________
____________________________(Address)
5. Letter of Credit (Irrevocable)
Irrevocable Credit:
All drafts drawn must indicate credit number.
Gentlemen:
You are hereby authorized to value on the (bank), of the City of ________________, State of______________, for any sum or sums up to the aggregate of ______________($ ) Dollars.
For the account of ___________________
Available by your drafts at (specify) day's sight.
Drafts are to be accepted only against delivery of the following documents:
_________________________________________
Documents of title must be dated not later than __________, 20___.
All drafts against this credit are to be drawn and negotiated before (date).
We hereby agree with the drawers, endorsers, and bona fide holders of drafts drawn in compliance with the terms of this credit that they shall be honored on presentation.
Yours faithfully,
6. Credit Repair - Letter of Dispute
Complaint Department
Name of Company
Address
City, State, Zip Code
Dear Sir or Madam,
I am writing to dispute the following information in my file. The items that are in dispute also are encircled on the attached copy of the report that I have received.
This item (identify item disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment) is (inaccurate or incomplete) because (describe).
I am requesting that the item be deleted (or request another specific change) in order to correct the information.
Enclosed are copies of (payment records, court documents) supporting my position.
Please investigate this matter and (delete or correct) the disputed item as soon as possible.
Sincerely,
Enclosure
7. Removal of Inadequate Information
The Credit Bureau
Dear Credit Bureau,
This letter is a formal complaint that you are reporting inaccurate credit information.
I am very distressed that you have included the below information in my credit profile due to its damaging effect on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor's part. As a result of this inaccurate information, I have been wrongfully denied credit recently for a (insert credit type), which was highly embarrassing and has negatively impacted my lifestyle.
The following information therefore needs to be verified and deleted from the report as soon as possible:
Creditor Agency- acct. 123-456-ABC
Please delete the above information as quickly as possible.
Sincerely,
SSN# 123-45-6789
8. Reply to Application for Credit
Date:
I, the manager of the bank, read your request of a special loan for a period of time.
As a long standing customer of our bank, we are offering you a personal loan or line of credit which can help relieve you of the weight of your debts or help finance new purchases.
With such low rates you can save hundreds of dollars over the life of your loan. This will enable you to purchase the new car that concerned you with extremely easy terms.
The following may not concern you at the present moment, but you can convey the following on to others, that this loan is available to those intending to start or further develop a long standing business, and/or can be used to put a child through college.
Those are our recent loans that we are offering.
A personal loan can give you the financial freedom which can make your dreams a reality.
We wish you good luck with the purchase of your car.
Sincerely,
9. Request For Increase Credit Limit
Dear
We acknowledge receipt of request for an increase of credit limit. Having assessed your account and performed a careful review of your charge account ,(as is done with all requests) it pleases us to inform you that your credit limit has been increased. The credit limit as follows:
Old Credit Limit: $______________ New Credit Limit $_______________
Over and above this change of status of account, you now qualify for further benefits in the bank.
Should you require additional information about new benefits, please see one of our credit representatives on your next visit to the bank. If details are needed immediately, we request you make an appointment with the clerk who deals with your account or my co-worker and the new benefits will be outlined.
You are a valued customer, and the bank's policy is to please our customers, giving the greatest benefits available.
We appreciate your continued patronage with our bank and look forward to assist you at all times.
Yours faithfully,
10. Returning Unsigned Check
Dear
I thank you for your check received in the above amount.
Unfortunately, we noticed that you inadvertently neglected to sign this check. We realize that occasionally these oversights occur and hereby enclose the check requesting that it be appropriately signed and returned to us as quickly as possible for processing of payment.
Thank you for your prompt attention to this matter.
Yours sincerely,
11. Unauthorized Credit Inquiry
To: Credit Card Company
Dear Sir,
I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it.
Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.
I have sent this letter certified mail because I need your prompt response to this issue. I would appreciate your immediate attention to this matter and would be pleased to receive documentation that you have had the unauthorized inquiry removed.
If you find that I am remiss, and you by some chance did have my authorization to inquire into my credit report, then please send me proof of this.
Thanking you in advance.
Yours sincerely,
WhiteSmoke Template-Family
1.Apology to Brother
Dear ...
I feel very bad about the way things have been left between us and I need to write you a few words. I have been thinking about you a lot lately. I love you as my brother and I can no longer stand back and leave things the way they are between us.
I know I have not been myself this last while and have lashed out at you badly. I�ve said some things to you that I didn�t mean, and I am truly sorry. As you know I have been under a tremendous amount of stress, and that stress now has been affecting me in negative ways at times. That does not excuse me for my behavior!!
Please forgive me for being so careless with my words...I wish I could take it all back.
As I reflect about the path that I`m taking in my life, I think about the sacrifices that I, and those around me, are making. I guess that life can be,but should not be, a whole lot of sacrifices. I just wish there was a way to help you understand what I am going through and why I keep going ahead with this. The most important reason is because __(describe why it�s important to do this)__. At the end of the day, I really am only trying to keep my head above water and succeed.
There have been many times I have thought of calling you, especially on those days when I am feeling weary and discouraged. Those are the times where I am most ratty and yet need your comforting words. More than anything else, I would welcome your friendship to see me through these tough times. I need you in my life, __(name), you are my brother. You are more important to me than you know. I�m just asking you for your patience and understanding during this critical time in my life...it really has not been easy for me.
Knowing that you are there for me would make things so much better. I hope that I am able to work through this and as I progress with my own problems will be able to include you as my brother and even better yet, become good friends.
I would really like to get together with you soon to talk this through, if you�re willing.
Very sincerely,
2. Family News Update
Dear,
This letter is to find out how you are and to catch up with a bit of my family news!!
How is life in (country, state).? I hear that it is very cold this time of year, so I hope that you are keeping warm by bundling up and eating the delicious (dish) I have so many fond memories of during my last visit!
Life here is good. I am still (studying/working, etc) as usual, but have taken up a new hobby: ________________.
I really love having a hobby to which I can turn after a long day of work, and I always make time for it.
My family is doing well, and all succeeding in their respective jobs and family responsibilities. We are planning a huge celebration for the holidays, and I really am looking forward to that time of year. I so enjoy the lights, the festivities, taking time off from work and spending time with those closest to me. What is new and or news with you? Are you still (activity)?
I wish you and your family the very best for the festive season and hope this letter finds you well.
Needless to say, I hope to get a reply very soon.
Very best wishes,
Dear ...
I feel very bad about the way things have been left between us and I need to write you a few words. I have been thinking about you a lot lately. I love you as my brother and I can no longer stand back and leave things the way they are between us.
I know I have not been myself this last while and have lashed out at you badly. I�ve said some things to you that I didn�t mean, and I am truly sorry. As you know I have been under a tremendous amount of stress, and that stress now has been affecting me in negative ways at times. That does not excuse me for my behavior!!
Please forgive me for being so careless with my words...I wish I could take it all back.
As I reflect about the path that I`m taking in my life, I think about the sacrifices that I, and those around me, are making. I guess that life can be,but should not be, a whole lot of sacrifices. I just wish there was a way to help you understand what I am going through and why I keep going ahead with this. The most important reason is because __(describe why it�s important to do this)__. At the end of the day, I really am only trying to keep my head above water and succeed.
There have been many times I have thought of calling you, especially on those days when I am feeling weary and discouraged. Those are the times where I am most ratty and yet need your comforting words. More than anything else, I would welcome your friendship to see me through these tough times. I need you in my life, __(name), you are my brother. You are more important to me than you know. I�m just asking you for your patience and understanding during this critical time in my life...it really has not been easy for me.
Knowing that you are there for me would make things so much better. I hope that I am able to work through this and as I progress with my own problems will be able to include you as my brother and even better yet, become good friends.
I would really like to get together with you soon to talk this through, if you�re willing.
Very sincerely,
2. Family News Update
Dear,
This letter is to find out how you are and to catch up with a bit of my family news!!
How is life in (country, state).? I hear that it is very cold this time of year, so I hope that you are keeping warm by bundling up and eating the delicious (dish) I have so many fond memories of during my last visit!
Life here is good. I am still (studying/working, etc) as usual, but have taken up a new hobby: ________________.
I really love having a hobby to which I can turn after a long day of work, and I always make time for it.
My family is doing well, and all succeeding in their respective jobs and family responsibilities. We are planning a huge celebration for the holidays, and I really am looking forward to that time of year. I so enjoy the lights, the festivities, taking time off from work and spending time with those closest to me. What is new and or news with you? Are you still (activity)?
I wish you and your family the very best for the festive season and hope this letter finds you well.
Needless to say, I hope to get a reply very soon.
Very best wishes,
WhiteSmoke Template-Cover Latter
1.Cover Letter - Grant Proposal
Dear
Re: Name of Grant
Our Organization is pleased to submit this request for your review. We look forward to your partnership in our cooperative efforts to rebuild our Community.
Our proposal requests $ (amount of request) to launch our creative homeowner down payment revolving loan program to provide a 50/50 match 'down payment' to enable the low-and moderate-income residents of our Community the opportunity to own their own homes.
Our homeownership down payment loan model is creative in promoting homeownership opportunities for the tenants of the Organization rental housing. This Grant program supports the Grantmaker objectives to promote community resident home-ownership opportunities.
We have secured $ (Amount) funds to seed the program, have pre-qualified more than 100 community residents for down payment loans, and bring a 50/50 match for every dollar in this request.
For the last fifteen years, our Organization has successfully produced affordable housing in the Organization. We have delivered more than 1000 units of affordable housing to our community. Your ongoing investment in our housing programs and projects will enable us to continue to effectively serve our impoverished community, and its working poor residents.
Thank you for your interest in the Organization. We envisage building upon our collaborative success by developing our homeownership down payment loan program with you.
Sincerely,
2. Grant Cover Sheet
Dear
Date of application:
Name of organization. Improvement Program, Inc. (IP)
The purpose of the Grant is for IP to use the funds to form a housing management company that will forge private and public partnerships to manage a portion of the City-owned or controlled low-income housing units in our community.
Below are the details requested:
Address:
Telephone No:
Name of Executive Director:
Contact Person and Title:
Our Grant request is for: $.........
Total organizational budget (for current fiscal year): $..........
Budget Period (month/day/year):
Total project budget (if requesting project support): $..........
Dates covered by project budget (month/day/year):
Project name:
Yours sincerely,
Dear
Re: Name of Grant
Our Organization is pleased to submit this request for your review. We look forward to your partnership in our cooperative efforts to rebuild our Community.
Our proposal requests $ (amount of request) to launch our creative homeowner down payment revolving loan program to provide a 50/50 match 'down payment' to enable the low-and moderate-income residents of our Community the opportunity to own their own homes.
Our homeownership down payment loan model is creative in promoting homeownership opportunities for the tenants of the Organization rental housing. This Grant program supports the Grantmaker objectives to promote community resident home-ownership opportunities.
We have secured $ (Amount) funds to seed the program, have pre-qualified more than 100 community residents for down payment loans, and bring a 50/50 match for every dollar in this request.
For the last fifteen years, our Organization has successfully produced affordable housing in the Organization. We have delivered more than 1000 units of affordable housing to our community. Your ongoing investment in our housing programs and projects will enable us to continue to effectively serve our impoverished community, and its working poor residents.
Thank you for your interest in the Organization. We envisage building upon our collaborative success by developing our homeownership down payment loan program with you.
Sincerely,
2. Grant Cover Sheet
Dear
Date of application:
Name of organization. Improvement Program, Inc. (IP)
The purpose of the Grant is for IP to use the funds to form a housing management company that will forge private and public partnerships to manage a portion of the City-owned or controlled low-income housing units in our community.
Below are the details requested:
Address:
Telephone No:
Name of Executive Director:
Contact Person and Title:
Our Grant request is for: $.........
Total organizational budget (for current fiscal year): $..........
Budget Period (month/day/year):
Total project budget (if requesting project support): $..........
Dates covered by project budget (month/day/year):
Project name:
Yours sincerely,
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