How To Choose the Right Home

Thinking of settling down into a new home? Learn the right way to make a better decision to have a better home for you and your family.

Home is where the heart is. After a long day at work, we should all look forward to going home. If you have a family, it would be even more important to be able to provide a safe and comfortable home for them. 

Whether you are looking at buying or renting your next home, here are some aspect that you should consider before making the big decision.

#1. Affordability

It is important to look for a property that you can actually afford. The affordability rate is different for every people. You must aware of how much you can afford every month to pay for either rent or your home loan, and have a little extra for maintenance costs too. If you make a rash decision to buy an expensive property that you couldn’t afford, it can turn into a financial nightmare.

According to a New York Times report, your property and home insurance repayments should not be more than 35 percent of your pre-tax salary. When you buy an affordable house that matches your current income, you can see it as an opportunity to use the remaining money to save and invest in other portfolios instead of splurging most of it on your property loan.

Some money matters you should take into consideration when thinking of affordability:

• Deposit or downpayment

• Monthly payments

• Maintenance fees for non-landed properties or gated communities

• Legal fees for loan or tenancy agreement

• Brokerage fees

• Parking fees

• Stamp duty fees

#2. Survey the right property

When you are confident about what kind of a home you can afford, proceed to do thorough research and survey your options to know the best deal out there that can accommodate your needs and budget. You might have to compromise some of your likes and dislikes , but it shouldn’t be too jarring from your initial plan.

Investing your time and effort into doing your homework reduces the risk of overpaying. Take your time and do not rush the process. Do not worry if you feel you might lose the good property by delaying (because you are thinking and weighing your decision!) as there are many other properties out there for you to discover. 

You can reach out to a property agent, doing an online search to see property listings, or asking your colleagues or friends for any recommendations of a good property area. But, most importantly is to keep an open mind and do a good research.

#3. Location matters

A good location can ensure comfort, safety, and good mental health when you live in a comfortable house. The best properties are always located in the safe areas with easy accessibility to preferred conveniences.

These locations differ for individuals. Maybe you need a house with a walking distance to the public transportation station or you need a secluded location for better privacy and space. But, usually, the main priorities for homeowners is a house near to important amenities like food supplies, medical, educational institutions, or even less traffic to avoid more time spent on the roads when commuting.

Remember, you can improve the property but you cannot move it. Do not just think about the current attractiveness of the neighborhood, but also what changes might happen in the future. For example, are there are upcoming property development projects in the surrounding area? This can affect the value of property around the area.

#4. Visit before you seal the deal

Aside from looking at pictures online or hearing advise from others, it is essential you visit the property yourself to see it with your own eyes and get a good feel of the surrounding area.

What you are comfortable with may differ from what others are comfortable with so it is necessary for you to check things out yourself than to rely on answers your property agent provides. Pictures can be misleading and they do not capture noise and smells. A visit also allows you an opportunity for a face to face conversation with the owner, agent, or neighbors to get more details.

Among some things you may consider important to discover are:

• Have there been any major renovations done recently?

• What are included with the asking price?

• Does the property and surrounding areas feel right to you?

• What renovations or changes would you require to make it suit your needs better?

• How is the water pressure?

• Are there many mosquitoes or other pests lurking?

• Are the neighbors too loud for you?

• Who occupied the property previously and why are they leaving?

It is good to make several visits before you make your decision. Time your visits so that you can sample different situations such as rush hour traffic, day versus night, etc. If you are worried that someone else may grab this place before you do, make these visits within a short period of time rather than skipping them entirely.

Knowing all of these beforehand is essential for you before making a decision. 

#5. Consult your licensed financial planner

Look back at your research and get a second opinion from your licensed financial planner to determine your cash flow and financial standing before committing to property investment. They can help you to see how you can afford to pay for your mortgage loan 20 to 30 years in the future. This is very important to avoid regrets and making sure you can survive even though you are facing some sort of financial hardships in the future.

After you have review your research and get advice from an expert, trust your instinct when making a decision. If you feel something is not right when dealing with the property agents or the developer, consider it as a red flag and move on from the property. Do not make a rash decision that can badly affect your financial plan in the future. 

Conclusion 

Choosing a new home is not always an easy process. Bear in mind the importance of research to understand your money limitations, family’s needs, and the potential impact on your long-term finances. With all things well-balanced, you can certainly find satisfaction in your new home. 

What other aspects are essential when choosing a home?

How I Ended Up Wearing Three Hats in Tropical Malaysia

By Stephen Yong

The story of how I ended up with three different hats in my life and how they contribute to my passion for personal finances and financial planning.

(Author: no that’s not me but a stock photo chosen by my editorial team)

Introduction

Writing this is like an autobiography of sorts. Just that this story is about personal finance, money and me. Like the cliché song goes, “Money makes the world go ‘round.” The only difference is that it is now my everyday real-world life starting conversations about money with Malaysians. How did I end up running a popular Malaysian personal finance site? What are these mysterious three hats the writer of this story is talking about? Like all good stories, it starts at the very beginning….

The Early Years

The formative years

I grew up a happy (and dumb) middle-class kid in Bayan Baru, Penang before the malls and township really sprang up. My days were spent cycling (and being warned to keep my eyes open), reading (I envy the days I read on average eight books a week), and playing games with friends (which evolved in being the game master/story-teller for a group of friends battling fantastic beasts in dungeons). I also enjoyed tinkering with ideas of various projects including a now long-lost sketch book filled with sketches for vending machines selling cool stuff, a restaurant in an airplane, and a faraway hidden green hotel in the middle of a rainforest.

In school, I did well in English and all the mathematics (as I didn’t have to study for it) but came close to failing biology (because I had to study for it). At this time, I was already taking baby steps in the world of personal finance by tracking my finances and dabbling in investments, but I did not think I was doing anything special. Instead, my dream career was to be an engineer because my father was one. And so, after completing my Malaysian Certificate of Education (SPM) examinations, I took up some jobs in engineering firms. I then realized that that path was not for me. I next decided to go into Information Technology (IT) at a local college (re: middle class on FAMA1 scholarship) which was the rage at the time, choosing a course sophisticatedly named Information Systems Engineering (hey, engineering!).

1 FAMA: Father Mother “scholarship”

The unexpected journey

My college years were spent in both Penang and Kuala Lumpur. Then, it was time to step out into the real world. Most of my friends stayed within the expected world of IT, although some did become business owners in various non-IT industries. As for me, I stayed with the world of IT and did an internship as a programmer. I then realized that although I was decent at coding, I did not want to do this daily for the rest of my life. Hmm, what next?

Over the next few months, I “worked” hard as a “farmer” and accidental guild master in the world’s most popular MMORPG2 World of Warcraft ®, from the comfort of home. And, I promptly went to way of many idealistic young Malaysians by falling for a money scam. In my case, I lost RM30,000 (then my entire investment portfolio) to a dubious multi-level marketing scam. The burn was bad and I fell back to “farming” to get over my disappointment.

Only after my mom threatened to kick me out of home, did I finally begin really adulting with my first full-time job in IT. I started out as IT support and was blessed with a quick rise up the ranks to division manager within a span of five years.

2 MMORPG: Massively Multiplayer Online Role-Playing Game (each letter is pronounced individually)

I enjoyed my job. I got the hang of dealing with demanding clients and managing a large organization including some individuals who were older and more traditional in their ways. However, as with most career paths, the decision making responsibilities became more pronounced as I climbed the ladder. For me, the turning point was when I found that certain decisions I was encouraged to make to grease the wheels of business did not sit right with my personal ethics. And so, despite the comforts and rewards offered, I tendered my resignation.

All the while I was not sitting idle after office hours as I had been wooing the love of my life. As my career in IT reached its crossroads, I wedded the best woman in the world, took her on a romantic honeymoon in Bali, and came back jobless. What a way to start married life!

“Like a SIR”

What next?

Although jobless, money was not a pressing concern as I had set aside one year of savings (I now recommend two years worth of savings if you’re planning to quit without a plan). I did not want just another job, but rather I was seeking a vocation.

“A vocation is work you do for its own sake; you almost feel like you’d do it even if you didn’t get paid. The rewards of wages and prestige are peripheral to getting to use one’s passion in a satisfying way. Those in a vocation feel that their work has an effect on the greater good and an impact beyond themselves. They believe that their work truly utilizes their unique gifts and talents. This is what they were meant to do.”

After much prayer and soul-searching, I felt called to do something to that would help people grow. Since my teenage years, I had been tracking my finances and dabbling in investments. Friends who knew about this had from time to time approached me to ask me personal finance questions and I enjoyed sharing my knowledge. So, why not help people grow their personal finances professionally?

Truthfully, the idea of switching from working for someone while investing on the side to starting up something on my own had me quite scared. I thank God that He showed without a doubt through people, prayer and circumstances that this was His calling and vocation for me. Thus began MyPF.my which bore the cringey tagline “Like a SIR3” and the logo of a monocle man in a top-hat (it was the age of memes).

3 SIR: Save, Invest, and Retire well (Until today, my own personal finance sharing WhatsApp group name has the top-hat emoji as a nod to our roots)

MyPF.my – The slog, the scams, and the sue!

Writing a personal finance blog is not easy on your own. It requires discipline and most folks fizzle out in the first three months. I was not new to writing a personal finance focused blog having blogged for years (from before a blog was called a blog). Yet it was a slog trying to write regularly even if for just once a week. I wrote as a one man (blood and) sweat shop on wide ranging personal finance related topics from budgeting to investing.

An early topic on MyPF.my that generated a fair bit of buzz was a series of articles slamming money games and ponzi schemes. Penang was (is?) the hotbed of money games, and we covered the red flags to watch out for, common con tricks, and how to evaluate investments objectively.

Having lost money to a scam during my young adulthood, I was adamant other people should not fall in the same trap. My future-tech-head and I did some investigative journalism on  a certain then trending money game company. We found out that the scam in question was mostly smoke and mirrors including misleading public information, and that their whole scheme was a rehash of an older scam (they didn’t change their server IPs which we traced, hah!). We were then promptly sued by the company we mentioned, but simply ignored their invalid summons at the advice of a good friend who is the managing partner in a legal firm. Thankfully, no action or losses resulted from their fear and intimidation tactics.

Overcoming the challenges of the early days of blogging, I felt true confidence that I could and can indeed make a difference in helping people grow. My true calling was here.

Founding My Personal Finances

I have always believed that if you deliver value, you don’t have to worry about money to pay your bills and this has proven time and time again to be true.

As my image as the personal finances guy grew, more friends approached me with questions related to personal finance. With full sincerity, I freely shared my own personal finance spreadsheet which had evolved over a period of over a decade covering cashflow, net worth, insurance, and investing. Friends started insisting as well that they wanted to pay me for helping them look at their personal finances.

I decided the time was ripe for me to continue my professional development. I got licensed in financial planning through insurance, investment, and Certified Financial Planning (CFP Cert TM) professional certification. I was now ready to give professionally licensed advise to paying clients.

It was also time to grow beyond a blog by a single writer into a sustainable business organisation that would help a larger number of Malaysians simplify and grow their personal finance. In 2017 January, MyPF Services PLT as a company came into fruition. Today, MyPF is the top three personal finance site in Malaysia, has a team producing content daily, and is read by thousands of Malaysians every month. We know that our financial education is making a difference with the positive comments we receive that our content is simple, unbiased, and helps people take steps to improve their personal finances. Interestingly as well, we have a very balanced proportion of male and female readership, unlike most financial related sites which is predominantly male.

The Three Hats

Today, I find myself wearing multiple hats on an almost daily basis in my different roles. Using the same hat analogy, I find myself not running around changing hats like a bad comedy show. But the experience is more akin to wearing all three hats simultaneously and choosing the right priority hat for each situation and circumstance.

CKO of WVA

At a financial advisory (FA) level, I am the Chief Knowledge Officer (CKO) of Wealth Vantage Advisory (WVA). I joined the management team of a relatively new financial advisory firm who had a lofty goal of leading industry transformation in a holistic and technology enabled manner. What does a CKO do? (And no, I didn’t make up the job title). A CKO is not a hipster term for a Chief Information Officer (CIO) or Chief Technology Officer (CTO). While CIO/CTO is responsible for IT or technology, a CKO is responsible for Knowledge Management (KM) using knowledge and data as a competitive advantage to improve performance at an individual, team, and organisational level.

At WVA, my key roles are as follows:

• To help financial planners and staff benefit from knowledge resources.

• To work closely with all departments to build knowledge creation and culture.

• To actively promote the knowledge agenda within and beyond the firm.

We are currently only at the initial baby steps phase in KM. The vision for knowledge starts from top management and grows in a diverse environment where people are permitted to make “meaningful failures” and are incentives to innovate. We aim to form Communities of Practice (CoP) which is “A group of professionals informally bound to one another through exposure to a common class of problems, common pursuit of solutions, and thereby themselves embodying a store of knowledge” (Stewart 2001 in Botha et al 2008). An example of an early KM work done has been recognising that there is way too many acronyms used by our firm and the financial industry which led to us writing a Knowledge Base (KB) reference listing down all commonly used financial jargon and acronyms so the entire firm is speaking the same language (and not starting to resemble the Tower of Babel), and documenting best practices and frequently asked questions.

Financial planner

For my small select group of clients, I am their licensed financial planner helping to advise and work with them to achieve financial independence. I find that there’s nothing like real world experience and I myself use the very same tools and solutions as my clients. It’s an interesting journey and a humbling experience working with clients of different ages, backgrounds, and aspirations. My clients get a benefit of a blend of experience, best practices, and access to financial tools.

Technology has and continues to change how financial planning is done. Imagine, not too long ago some financial planners were still using pen and paper! Financial technology (FinTech) helps financial planners and clients to work more efficiently, and effectively with lesser chance of errors. Financial planning clients get so much more today with lowered costs to engage a licensed financial planner, easy access to online financial tools, and strong backend support including paraplanners – all connected with technology!

FinTech is changing the world we live in with a new economy of companies using technology to make financial services more efficient. This results in a decline in traditional product-based agent sales, lowered costs and fees benefitting users, and a growing demand for tech savvy financial planners. Or as Bank Negara Malaysia (BNM)’s ex-Governor Datuk Muhammad Ibrahim himself puts it

“FinTech is challenging the status quo of the financial industry. New business models will emerge. Delivery channels will challenge existing norms. Transaction costs will be reduced. Rather than looking at the FinTech revolution as unwelcoming, financial institutions ought to embrace an opportunity”.

CEO of MyPF

Last but not least, MyPF is looking to embrace the opportunity lying at the convergence of finance and technology. We continue heading on in our mission to help simplify and grow Malaysians’ personal finances through financial education. All this through our online portal, free written and video content, free online personal finance tools and leveraging on technology. We also help Malaysians who need sound financial advice get connected to licensed financial planners.

The Crystal Ball

Globally and in Malaysia is a growing need for holistic needs based financial planning. Overall there’s a slow decline of agents (except super agents) as fees go down and clients experience the benefit of working with a financial planner who represents your interests first.

FinTech with the convergence on finance and technology will continue to lower costs, lower fees and make finance more readily accessible to everyone. This will be especially true for mass market and retail investors.

Financial education and literacy – in our homes, schools and everywhere. It is heartening to see more financial content being created whether on websites, Instagram or YouTube. A further push is required to make financial education a reality in our schools and for a national financial literacy strategy to be more than a dream.

Conclusion

Personally, it is totally unexpected that I would end up being a financial planner, part of the management team in a financial advisory firm, and the founder of a startup. Nor did I imagine that my eclectic mix of experience and skills in writing, finance, and technology would come together as a triple-hat wearing Malaysian. I am so blessed to be where I am just focusing on my faith, family, and personal finance.

I hope that my story and experience inspires others. If there’s one big audacious habit or goal (or BAHG as we say on PodCat) that I would want you as a reader to take action, it is to set your very own meaningful personal finance (PF) goal. Write or type down your smart PF goal, review it regularly, and take one small purposeful step towards your PF goal daily. May the FIRE be with you!

Sign up to engage with your licensed financial planner today

Do you have a story about wearing a different roles in your life before settling down with your current passion/career? Share with us.

Manfaat Pekerja yang Anda Perlukan

Oleh Juliyana Mohd Yatim

Program Kesihatan Kewangan merupakan salah satu daripada manfaat pekerja yang sangat penting. Ketahui kepentingan program kesihatan kewangan kepada organisasi anda.

Pernah atau tidak anda terfikir alangkah bagusnya jika dapat melihat pertambahan dalam simpanan persaraan, melabur dengan penuh yakin, dapat melunaskan pinjaman ataupun mengurangkan separuh beban tekanan kewangan anda? Pastinya ramai yang mahukan ini bukan! Tapi tidaklah bermakna anda harus memiliki harta warisan yang melimpah ruah atau tiba-tiba memenangi pertandingan wang besar! Sebaliknya, rahsianya adalah tersembunyi di sebalik “manfaat” yang boleh didapatkan dari ‘employee benefit’ atau ‘manfaat pekerja’.

Kita sering mendengar manfaat pekerja seperti gaji, bonus, elaun, elaun kerja lebih masa, cuti, ‘time-off’, insuran pekerja, anugerah atau ganjaran, bantuan pelajaran dan juga latihan untuk meningkatkan kemahiran pekerja.

Namun, mungkin ada yang masih belum mengetahui “Financial Wellness Program” (Program Kesihatan Kewangan) di tempat kerja. Bila dilihat data statistik kaji selidik AKPK ‘Financial Behaviour Survey 2018’ AFBeS’18) – kebanyakan pekerja menghadapi tekanan kewangan yang menjejaskan prestasi kerja mereka.  Jelasnya, ini satu tanda amaran yang membimbangkan dan perlu ada campur tangan untuk menangani masalah ini dengan segera.

Adakah penting Program Kesihatan Kewangan dilaksanakan di peringat daerah, negeri, sekolah atau universiti?

Secara umumnya, kebanyakan orang belajar mengurus kewangan samada hasil didikan di rumah dari contoh teladan ibu bapa ataupun dari pengalaman mereka sendiri. Namun begitu, tidak semua orang berpeluang mendapatkan kemahiran ini. Berdasarkan laporan ‘Organisation for Economic Cooperation and Development (OECD) menunjukkan kadar literasi (celik pengetahuan) kewangan di Malaysia adalah ditahap yang amat rendah yakni dikedudukan ke-26 dari 30 negara-negara yang terlibat dalam kajian tersebut.

Mungkin ada yang bertanya mengapa pelajaran Sejarah, Sains dengan kelengkapan komputer, makmal yang menelan belanja tinggi dan sebagainya diwajibkan. Namun tidak dapat mengadakan sejumlah peruntukan untuk pertingkatkan ilmu kewangan peribadi. Atau mungkin juga ada beranggapan sememangnya sudah menjadi tradisi bahawa hal kewangan dirasakan bersifat peribadi dan sulit untuk dibincangkan secara umum. Atau boleh jadi dalam kalangan pekerja, mereka kurang gemar dan tidak selesa berbincang dalam isu berkaitan pengurusan kewangan.

Satu kaedah yang dinamik selain ibu bapa memberi pendedahan yang baik di rumah, penekanan pendidikan ilmu kewangan di sekolah, universiti mahupun di peringkat negeri atau kebangsaan – adalah dengan melaksanakan program seumpama ini di tempat kerja. Hasilnya, program ini akan dapat merapatkan jurang kadar literasi kewangan di Malaysia dengan memperkasakan ilmu pengurusan kewangan di kalangan pekerja di setiap peringkat.

Sumber: Laporan ‘Organisation for Economic Cooperation and Development (OECD) 2016

Kelebihan Kesihatan Kewangan Mengatasi Cabaran Dalam Kewangan

Berdasarkan kajian AKPK, 53% rakyat Malaysia mengakui mereka sukar untuk mengadakan wang RM1000 untuk hal kecemasan. Dan 3 daripada 10 individu terpaksa meminjam semata untuk membeli barang keperluan asas.

Melihat banyak pekerja yang menghadapi kesukaran dalam kewangan – mereka memerlukan bantuan mencapai matlamat berjangka pendek seperti belanjawan, pengurusan hutang dan mengadakan simpanan kecemasan. Manakala sebagai tambahan untuk jangka panjang pula seperti perancangan persaraan. Maka, semakin banyak majikan sedar kepentingan menawarkan Program Kesihatan Kewangan adalah ‘win-win’ (situasi menang-menang) buat majikan dan pekerja – yang mampu

meningkatkan prestasi pekerja dengan meningkatnya tahap produktiviti, memuaskan hati pekerja, lebih berdaya saing dengan mengekalkan pekerja cemerlang tetap setia bersama syarikat/organisasi malah mengurangkan kos penjagaan kesihatan (healthcare).

Pendek kata, program ini akan membantu pekerja mengubah ke arah tabiat kewangan yang positif seterusnya memajukan kewangan peribadi secara progresif. Kami yakin, pekerja yang mantap kewangan pastinya menjadi pekerja yang produktif. Inilah keutamaan dalam program Kesihatan Kewangan yang menawarkan panduan nasihat kewangan yang neutral, tidak berat sebelah serta tidak bermotifkan menjual semata. Sebaliknya, melihat dengan holistik kepentingan keperluan individu (Clients’ needs first) mencapai matlamat kewangan mereka.

Hebatnya kini majikan mempunyai kaedah pilihan program Kesihatan Kewangan yang dapat memberi peluang kepada pekerja merealisasikan matlamat kewangan dipenuhi serta berdaya tahan terutamanya apabila berlaku perubahan hidup atau berdepan cabaran kewangan yang hebat.

 Dapatkah Program Kesihatan Kewangan Meningkatkan ‘ROI (Return on Investment)’?

Menurut kajian yang dijalankan oleh syarikat insurans, Prudential mengenai ‘Financial Wellness’ menunjukkan majikan mahukan program efektif yang melihat keperluan pekerja dan juga ROI (pulangan atas pelaburan).

Pendekatan Kesihatan Kewangan yang sebenar adalah:-

1. Memberikan pendidikan kewangan samada latihan/seminar bersemuka atau webinar di atas talian,

2. Menawarkan khidmat nasihat kewangan 1:1 dengan penasihat kewangan yang profesional dan bertauliah.

3. Memberikan  solusi kewangan yang khusus berdasarkan keperluan individu yang pastinya berbeza mengikut keperluan mereka di waktu itu.

Keberkesanan program diukur berdasarkan penglibatan dan juga maklumbalas pekerja setelah menjalani latihan program ini. Kami mendapati hampir keseluruhan peserta program menyatakan amat penting program ini didedahkan lebih awal lagi dan sebahagian besar tidak pernah mendapatkan bantuan nasihat kewangan yang neutral. Pekerja yang memilih untuk mendapatkan nasihat kewangan akan lebih yakin dalam kewangan mereka, dapat membuat keputusan kewangan yang bijak, terhindar dari melakukan kesilapan kewangan dan sasaran matlamat lebih jelas.

Uniknya program ini boleh disesuaikan mengikut keperluan tenaga kerja sesebuah syarikat/organisasi selari dengan misi dan objektif syarikat/organisasi tersebut.

Perkenalkan kesihatan kewangan di tempat kerja

Jika ada yang merasakan isu hal kewangan adalah suatu perkara agak berat untuk dibicarakan atau diketengahkan. Anda tidak keseorangan dalam hal ini kerana anda tidak perlu menanggung beban ini sendirian. Kami sedia membantu anda dalam perkara ini.

Pertamanya, bagi syarikat yang menginginkan program Kesihatan Kewangan diwujudkan di tempat kerja, kami menggalakkan anda memulakannya dengan mengesyorkan perkara ini ke pihak Sumber Manusia. Mohon pihak sumber manusia untuk melihat program ini sebagai Manfaat Pekerja (Employee Benefit) yang juga sebahagian dari Employee Development Program (EAP) atau Program Pembangunan Pekerja.

Dengan mendaftarkan ke program ini, para pekerja akan mendapat akses bahan rujukan di hub pengetahuan MyPF beserta alat kewangan seperti kalkulator persaraan (retirement calculator) dan semestinya akses nasihat kewangan dari pakar kewangan yang bertauliah. Oleh sebab itu, samada anda meningkatkan ilmu pengurusan kewangan melalui pembacaan, penggunaan aplikasi kewangan atau dengan melantik penasihat kewangan – kesemua ini akan meningkatkan literasi kewangan anda. Oleh itu, amat penting untuk anda mengetahui kedudukan sebenar kewangan dan ini dapat dilakukan melalui sesi ‘Nadi Kewangan’ (Financial Pulse) sewaktu perjumpaan 1:1 dengan penasihat kewangan kami. Berdasarkan analisa laporan itu, anda boleh memilih apakah langkah terbaik yang seterusnya harus diambil.

Hidup ini sentiasa berubah – begitu juga keperluan kewangan. Perubahan itu boleh jadi lebih kompleks dan disitulah terletaknya betapa pentingnya perancangan dibuat. Dengan adanya sumber rujukan yang tersedia dalam pakej program ini anda dapat mengambil faedah sebaiknya. Oleh sebab itu, manfatkanlah “Manfaat Pekerja” supaya program ini dilaksanakan di tempat kerja anda.

Kesimpulan

Isu kewangan mampu mengakibatkan tekanan hebat dalam kalangan pekerja, atau memecah belahkan perhubungan keluarga akibat ketiadaan wasiat misalnya atau meruntuhkan rumahtangga kerana kebimbangan kewangan.

Gerakan program Kesihatan Kewangan mempunyai potensi untuk memberi impak positif yang mampu merubah kehidupan pelbagai lapisan masyarakat. Hai ini kerana kebanyakan pekerja memiliki kepercayaan yang tinggi terhadap majikan berbanding institusi lain. Suasana latihan yang ideal dapat mengurangkan kebimbangan pekerja untuk berbicara berkaitan hal kewangan dan akan lebih terbuka untuk mengubah tabiat kewangan yang berkualiti. Progam ini juga membuka jalan kepada pekerja yang mungkin tidak mereka perolehi di tempat lain.

Setujukah anda inilah masa yang tepat untuk laksanakan Program Kesihatan Kewangan di tempat kerja anda?