http://smartconsumerbanking.com Consumer Guide on Banking & Financial Products , and tips on love, money and happiness For Fellow Malaysian Sun, 01 Nov 2009 15:28:25 +0000 http://backend.userland.com/rss092 en Number "5" is such a bad number to start the new year 2010! First, you have to pay RM50 service tax on each of your credit card, then 5% of on any gain from selling your property under the Real Propety Gain tax (RPGT), and you have to start paying close ... http://smartconsumerbanking.com/2009/11/01/no-high-5-to-start-2010-new-year/ Picking up where I stopped in optical communicationPart 1, I am now facing how to choose between high annual limit with low life time limit and vice versa.  Annual limit is the maximum allowable claim in a year, while lifetime limit is the maximum allowable claim throught out the policy ... http://smartconsumerbanking.com/2009/05/31/shopping-for-a-hospitalization-and-surgical-insurance-policy-part-2/ (This is 2 parts story of my personal experience in buying a medical insurance, or Hospitalization and Surgical Insurance) What?  You do not have a medical insurance (Hospitalization and Surgical Insurance-HSI)? Well, I was having the assumption that my 2 critical illness policies are sufficient to protect me form any eventual 'medical' ... http://smartconsumerbanking.com/2009/05/20/shopping-for-a-hospitalization-surgical-insurance-policy-part-1/