Comments for smartconsumerbanking.com http://smartconsumerbanking.com Consumer Guide on Banking & Financial Products , and tips on love, money and happiness For Fellow Malaysian Thu, 11 Mar 2010 05:47:43 +0000 http://wordpress.org/?v=2.6.1 Comment on Shopping For A Hospitalization and Surgical Insurance Policy - Part 2 by mrsegaran http://smartconsumerbanking.com/2009/05/31/shopping-for-a-hospitalization-and-surgical-insurance-policy-part-2/#comment-424 mrsegaran Tue, 24 Nov 2009 03:07:30 +0000 http://smartconsumerbanking.com/?p=276#comment-424 You may want to consider Prudential's Pruhealth Medical Card instead. The benefits: 1) No claim bonus up to RM 500 per year 2) No ANNUAL LIMIT(waived) 3) Those above age 60 can apply up to age 70 only. 4) The card expiry can be extended till age 100 ... if you feel it's necessary 5) Lifetime limits up to RM1.5 Million This is a better/ upgraded version of the PMM5 card. I hope you have benefitted from my sharing. You may want to consider Prudential’s Pruhealth Medical Card instead. The benefits:
1) No claim bonus up to RM 500 per year
2) No ANNUAL LIMIT(waived)
3) Those above age 60 can apply up to age 70 only.
4) The card expiry can be extended till age 100 … if you feel it’s necessary
5) Lifetime limits up to RM1.5 Million

This is a better/ upgraded version of the PMM5 card.

I hope you have benefitted from my sharing.

]]> Comment on Hong Leong Personal Loan with Cash Back - too good to be true? by RMBob http://smartconsumerbanking.com/2009/04/12/hong-leong-personal-loan-with-cash-back-too-good-to-be-true/#comment-420 RMBob Fri, 22 May 2009 14:35:22 +0000 http://smartconsumerbanking.com/?p=264#comment-420 Thank you so much for the info. Now I know that all bank are liars, at least when it comes to advertising/ promoting their products. Now, what is your advice on the repayment period? Since the borrower will be paying at 12% for 12 months, while the remaining period at 9.6%, is it better to extend the period of repayment to the maximum? Also, how is the 20% cash back will be given to the borrower? Deducted from their monthly repayment each time they pay, borrower will be given cash when paying, or accumulated everytime the borrower made prompt payment and deducted from loan amount? Thank you so much for the info. Now I know that all bank are liars, at least when it comes to advertising/ promoting their products.
Now, what is your advice on the repayment period? Since the borrower will be paying at 12% for 12 months, while the remaining period at 9.6%, is it better to extend the period of repayment to the maximum? Also, how is the 20% cash back will be given to the borrower? Deducted from their monthly repayment each time they pay, borrower will be given cash when paying, or accumulated everytime the borrower made prompt payment and deducted from loan amount?

]]> Comment on Do Not Fall Flat on Personal Loan’s Flat Rate (Part II) by mosh http://smartconsumerbanking.com/2007/07/25/do-not-fall-flat-on-personal-loans-flat-rate-part-ii/#comment-416 mosh Mon, 18 Aug 2008 09:38:53 +0000 http://smartconsumerbanking.com/2007/07/25/do-not-fall-flat-on-personal-loans-flat-rate-part-ii/#comment-416 bank like RHB are doing what they call monthly reducing basis. intrest rate from 13.45% p.a for rm10K below.. i wonder what it montly reducing basis?. and how to diffrenciate them with flat rate. bank like RHB are doing what they call monthly reducing basis. intrest rate from 13.45% p.a for rm10K below.. i wonder what it montly reducing basis?. and how to diffrenciate them with flat rate.

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