Fixed Deposits are also called as Term Deposits, are one of the various popular investing options.
While we may be listening to a lot of noise about other investments like Mutual Fund SIPs, Liquid, Balanced and Debt Funds, Tax-Free Bonds, PPF, EPF, and what not! To some, nothing hits the assurance and purity of a Fixed Deposit. Here are some common myths about fixed deposits. ❌ Myth 1 – Fixed Deposits are only offered by banks. ✅ Fact – Fixed Deposits are also provided by other financial companies. ❌ Myth 2 – TDS (Tax Deducted at Source) on Fixed Deposits is mandatory. ✅ Fact – Understanding the mandates well could help avoid Tax Deduction. ❌ Myth 3 – Investing in Fixed Deposits in the name of a family member helps in saving taxes. ✅ Fact – Investing in Fixed Deposits in the name of a family member doesn’t support saving taxes. ❌ Myth 4 – Regular interest payments on Fixed Deposits fetch more returns. ✅ Fact – A cumulative Fixed Deposit with returns only on maturity would fetch you more. ❌ Myth 5 – In case of cash crunch, premature withdrawal is the only way. ✅ Fact – If at any moment you need money from your Fixed Deposits, most banks allow part withdrawal of funds, so that you could withdraw the amount you need taking care of the emergency, and the balance would continue to earn interest.
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TEMPOH MENUNGGU TAKAFUL/WAITING PERIOD FOR TAKAFUL
Kebanyakan orang masih belum ada kesedaran atau tidak tahu pon berkenaan 120 hari tempoh menunggu selepas memohon Takaful. Ada juga yang bertanya tentang permohonan Takaful bila sudah disahkan menghidap penyakit dan perlu menjalani pembedahan dalam waktu yang terdekat.
Sebenarnya, syarat utama untuk memohon Takaful adalah kesihatan yang baik. Jadi, waktu yang paling sesuai untuk memohon Takaful adalah hari ini, sebab esok kita tak tahu apa yang akan berlaku.
Plan Takaful yang paling bagus adalah Plan Takaful yang sudah diambil lebih dari 2 tahun. Sekiranya berlaku penyakit kritikal seperti kanser dalam tempoh kurang 2 tahun dari tarikh polisi lulus, Syarikat Takaful berhak melakukan siasatan berkenaan latar belakang kesihatan.
Hal ini adalah untuk memastikan client berada dalam keadaan kesihatan yang baik sejak dari awal, semasa dari tarikh menandatangani polisi Takaful lagi.
Sekiranya selepas siasiatan dilakukan dan didapati client telah menghidap penyakit tersebut sebelum memohon Takaful, kemungkinan permohonan tuntutan Takaful untuk ditolak adalah tinggi.
Takaful bukan macam Panadol, yang diambil bila diperlukan. Takaful ni macam payung, yang perlu disediakan sebelum hujan.
Buatlah tindakan bijak hari ini, lindungi diri anda dan yang tersayang dengan Plan Takaful yang terbaik. Klik link whatsapp dibawah untuk set appointment dengan Fiqa untuk tahu lebih lanjut tentang Takaful:
Full Time Takaful Consultant
HMG fun fact: One of our team members is married to a celebrity! If you call and speak to Laura, make sure you're extra nice. She's got a direct connection to the Big Guy! Today he visited the Malczynski residence and brought lots of cheer with him!
‘Needs’ atau ‘wants’, mana yang selalu kamu turuti terlebih dahulu? ‘Needs’ merupakan segala hal yang harus kita miliki untuk menunjang kehidupan. Sedangkan ‘wants’ adalah segala hal yang kita inginkan hanya untuk kesenangan namun tidak ada urgensi untuk dimiliki.
Realitanya? Masih ada yang terjebak dalam bias ‘needs’ dan ‘wants’, Smart People. Katanya, itu terjadi karena tuntutan zaman yang mengharuskan tetap eksis di antara teman metropolis. Ada yang butuhnya tas buat menampung banyak barang. Eh keinginan berkata lain jadinya malah beli tas apa aja asal branded.
Nah, bagaimana dengan asuransi dan investasi? Masuk ke kategori kebutuhan atau keinginan? Keduanya masuk ke kategori kewajiban, lhoo.. Kewajiban bagi kamu yang mau memproteksi diri dan keuangan. Kewajiban buat orang-orang yang tetap mau mengeluarkan uang untuk kebutuhan dan kesenangan.
Are you interested in learning about an area of law that enables you to: - Meaningfully serve clients?
- Contribute real value to your community?
- Use systems to run your practice, and reduce your time in the office?
- Focus on serving people, instead of drafting documents?
- Integrate your work and lifestyle with your deepest values?
Attend this free online training, hosted by NLBM Founder, Alexis Katz, and discover what is possible with a #NewLawBusinessModel
As you lie in bed this Sunday evening, frustratedly filing your thoughts and to-do list into the four quadrants of the "Urgent v Important Decision Making Matrix", let me be the one to gently remind you that if you don't have a Will, or a Power of Attorney, or need life insurance; that these things are both urgent and important.
Do I know how busy you are right now, two weeks before Christmas? I certainly do, I am right there with you! But that's how important I truly believe it is to make sure you have a Will signed; that even though I know what a tired time of year it is, I'm still going to say it to encourage you to push it to the top of your to-do list. Especially if you are travelling overseas this Christmas!
The unintentional damage that I have seen inflicted on spouses, and children left behind after the death of a loved one without a Will is just too sad. Lawyers try and help as best and as gently as they can; knowing that the surviving family don't really want more paperwork from you about the "Estate", but still needing to attend to the extra paperwork that remains after a disorganised death. And knowing that the extra work and hurt is an unintentional legacy is little comfort to those left behind; because hurt is hurt, and damage is damage.
I am booked out for December, but will release my January dates by email before I go on leave. I will be taking 6 bookings only for the month; make sure you are on my email list when I send my calendar out. Bookings available in both Albury and Melbourne, weekdays and Saturdays. Being strict with how many clients that I take on means that I can be flexible with what I offer; I'm doing valuable work, not busy work. 😘
3 118 December, 2019
My cat 🐈 Toby today. He likes taking the high road. 👏. Always take the high way and you will get anywhere. I am still busy writing ✍️ my book 📚about success. And I started a new business last year as an Estate Planner. I got appointed by Court👩🏻💻. I get a lot of work because I have a competitor who wants my job and business. She sued me in court with false accusations and false information. She wants also to be appointed in my job. Well it’s her choice to do so. I am happy that I am not such a person. I am talented. The judge has to decide about her accusations and we will know soon. I hope they will send her to prison, with the lunatic stalker, she wants to work with. It’s all going to be in my book 📚about success in business and how to get there. #catsofinstagram . #lawyerlife . #estateplanning .
1 48 December, 2019
• “We make a living by what we get. We make a life by what we give.” — Winston Churchill •
Where there’s a Will, there’s a way. Link in bio for more info.
Have you made your Will? Do you need to probate a loved one’s will? Is a family member in need of a guardianship?
Suzanne Perry has extensive experience in handling probate and guardianship matters, as well as assisting clients with preparing their estate plans, including wills, powers of attorney, living wills and other related documents.
Contact us today for your confidential #consultation . 281-548-0900.
Has your estate plan gathered dust? When is the last time you reviewed it? When you write down your holiday list make sure to include revisiting your comprehensive estate plan. Lots of things can change during a year, and accuracy can mean the difference between protected assets and lost ones... Listen to the elf and call #WFP at 954-944-2855.
Give a gift of peace of mind this holiday season! 🎄 We are running a promo on basic last will and testament and powers of attorney for Illinois residents during the month of December 2019. 🎄
Last Will & Testament $300
Power of Attorney for Property or Healthcare $100 each or $175 for both *Last Will and Testament applies only to estates under one million dollars. **Gift is recommended for individuals who currently have no estate plan in place. ***The promotion applies to Illinois residents only. 🎄Click the link in the bio for more info or to purchase this offer! 🎄 [image: festive holly wreath with holiday estate planning promo language.]
A financial plan can bring focus to your future. Make your New’s Year resolution a Life Financial Plan at Prato Capital. Do you have a plan? 🔹Click the link in the bio 🔹Prato Capital, where integrity meets discipline
If you've got kids, but don't have a will, it's time to STEP UP.
Making a will doesn't have to be expensive or take a long time, but it does need to be done. Protect your family and give yourself some peace of mind with the legal confidence that you've done things RIGHT in case the worst happens. 🔗Click the link in my profile to create a will quickly with the only company I recommend to guide you along the way. 💰Use code DAVE20 for $20 OFF!
EVERYONE needs a will. Take the time to make one. This matters.
Get my team's FREE Will Preparation Checklist to help walk you through the process of deciding what you need to cover. 🔗Link in profile. #debtfreecommunity#estateplanning
32 2,1596 June, 2019
Studies show that wealth for Blacks in America will fall to $0 by 2053😱 Why? Because we aren’t always passing our wealth down to the next generation.
As a follow up to our last post, while making more money can result in more stress, it’s what you do with it that really counts. So how do we close the wealth gap? Click the ⛓ in our bio for tips by Trusts and Estates attorney @artsteele_esq on the benefits of estate planning and what to consider when beginning the estate planning process. #estateplanning#moneytips#generationalwealth#girlboss#financialfreedom#financialliteracy
68 2,75826 July, 2019
Five facts about probate:
1. It is not scary your loved one has a plan (a will)
2. In most cases, it cannot be completely avoided; but the assets subject to the probate process, can be greatly reduced. Trusts are a great part of an estate plan but they don’t typically solve all issues that come up at death (See Nipsey Hussle’s estate)
3. You can still get tied up in court over non probate assets (see Michael Jackson’s estate)
4. If you have a business and do not have a business continuity plan, there’s a high probability that your business assets will go through probate (that can get messy).
5. You need to make sure that your non-probate assets follow your overall estate plan (I’ve had a few friends where their parent’s insurance policy went to an ex spouse instead of them).
My suggestions— 1. Get an estate plan done which includes a POA (power of attorney), advance directive, will, and in some cases a trust. 2. Have your estate plan by an attorney who does Estates (like please). 3. Review your plan with major life events— birth, death, and divorce.
Picture taken at AKAnomics of a Legacy presented by @akapbo
Working up your Will is not something most of us want to think about. @trustandwill has made it so easy for us to create our Will(s). Literally, after we decided on which family member we wanted to care for our little ballerina and future shark biologist and which we wanted to make executor of our estate it took about 10 minutes to create our legally binding Last Will and Testament. It’s something that has been on my mind to do since we became parents nearly 4 years ago but I thought it was going to be too hard and too expensive and kept putting it off until now. I feel SUCH relief now knowing that IF anything were to happen to Ty and I our children will be taken care of by family they know and love. #adulting doesn’t have to be hard. Go to the link in my bio and use promo code ADULTING2019 for $10 off (so just $119 for you and your spouse combine!) and get your Will completed in about 10 minutes too! .
Well that was fast, it took us less than 15 minutes to get it all done, we finally have a Will in place if something were to happen to us.
Ever since my oldest was born, we’ve been meaning to do it, and it was always pushed to the side because just the thought of not being here to care for my children makes me really sad and scared. #realitycheck
@trustandwill made the whole process so easy, you even have the option to print your documents right away at home or have them shipped to you.
Having something to fall back on is so important guys, knowing that my children will have legal guardians is a huge peace of mind.