{"id":7782,"date":"2013-12-09T12:28:23","date_gmt":"2013-12-09T04:28:23","guid":{"rendered":"http:\/\/www.imoney.my\/articles\/?p=7782"},"modified":"2014-08-27T11:35:34","modified_gmt":"2014-08-27T03:35:34","slug":"are-you-money-smart","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/are-you-money-smart","title":{"rendered":"Are You Money Smart? [Quiz]"},"content":{"rendered":"<p>Find out if you are money smart.\u00a0Take the <em>iMoney<\/em> challenge by answering these 10 simple questions on credit card, loans and insurance.<\/p>\n<div class=\"question\" id=\"question-1\">\n<p><strong>1. Razif is an entrepreneur with no set income every month. After establishing his business, he is planning to get a car loan to purchase a new car. With his income of at least RM5,000 a month, which car loan should he get?<\/strong><\/p>\n<ul>\n<li data-correct=\"1\" data-answer=\"That\u2019s correct! Although the interest rate of a variable rate car loan is commonly higher than a conventional loan, it offers Razif the freedom to reduce the interest by making extra payments toward his car loan. &lt;a href='\/articles\/car-loans-in-malaysia-conventional-vs-variable-rate' target='_blank'&gt;See Car Loans in Malaysia \u2013 Conventional vs Variable Rate&lt;\/a&gt; for more information.\">A. Variable Car Loan Rate<\/li>\n<li data-correct=\"0\" data-answer=\"Not quite right. As Razif\u2019s income is not fixed and may sometimes generate higher income through his business, a variable rate car loan offers this the opportunity to save on interest by paying more than the installment.\">B. Conventional Car Loan<\/li>\n<\/ul>\n<div class=\"answer\"><\/div>\n<\/div>\n<div class=\"question\" id=\"question-2\">\n<p><strong>2. Amy travels for business and leisure at least five times a year. Her father has been using his credit card to purchase air ticket and hotel rooms on her behalf. She is thinking of getting a credit card to make it more convenient to travel. Which of the following credit cards is the most suitable for her?<\/strong><\/p>\n<ul>\n<li data-correct=\"0\" data-answer=\"Incorrect. As Amy is a frequent traveller, it makes sense for her to get a travel miles credit card  to speed up the accumulation of loyalty points. Check our &lt;a href='\/credit-card' target='_blank'&gt;credit cards comparison&lt;\/a&gt; tool to find out which credit card is the most suitable for you.\">A. Reward points credit card<\/li>\n<li data-correct=\"0\" data-answer=\"Incorrect. As Amy is a frequent traveller, it makes sense for her to get a travel miles credit card  to speed up the accumulation of loyalty points. Check our &lt;a href='\/credit-card' target='_blank'&gt;credit cards comparison&lt;\/a&gt; tool to find out which credit card is the most suitable for you.\">B. Cashback credit card<\/li>\n<li data-correct=\"1\" data-answer=\"That\u2019s correct! Travel miles credit cards are reward-based cards which allow you to earn points or AirMiles when used for purchases. Some travel credit cards also offer discounts on travel packages or flight tickets. Since Amy is a frequent traveller, it makes sense for her to get a travel miles credit card  to speed up the accumulation of loyalty points. Check our &lt;a href='\/credit-card' target='_blank'&gt; credit cards comparison&lt;\/a&gt; tool to find out which credit card is the most suitable for you.\">C. Travel Miles Credit Card<\/li>\n<\/ul>\n<div class=\"answer\"><\/div>\n<\/div>\n<div class=\"question\" id=\"question-3\">\n<p><strong>3. You have RM30,000 locked away in a Fixed Deposit (FD) account since January 2013, with the interest rate at 3.5%. The maturity date of your FD is on January 2016. However, you need the money for some urgent matter. Can you withdraw the cash before January 2016?<\/strong><\/p>\n<ul>\n<li data-correct=\"0\" data-answer=\"Incorrect. In exchange for higher interest rate on your Fixed Deposit account, you lose the flexibility of a regular, day-to-day savings account. If you do withdraw your money from your fixed deposit account before the agreed maturity date, you will likely be penalised in the form of reduced interest or penalty fees.&lt;br \/&gt;&lt;br \/&gt; Check out our archive on  &lt;a href='\/articles\/category\/fixed-deposit' target='_blank'&gt;Fixed Deposit&lt;\/a&gt; for more information.\">A. Yes, with interest earned to date.<\/li>\n<li data-correct=\"1\" data-answer=\"That\u2019s right! In exchange for higher interest rate on your Fixed Deposit account, you lose the flexibility of a regular, day-to-day savings account. If you do withdraw your money from your fixed deposit account before the agreed maturity date, you will likely be penalised in the form of reduced interest or penalty fees.&lt;br \/&gt;&lt;br \/&gt; Check out our archive on &lt;a href='\/articles\/category\/fixed-deposit' target='_blank'&gt;Fixed Deposit&lt;\/a&gt; for more information.\">B. Yes, with reduced interest or a penalty fee.<\/li>\n<li data-correct=\"0\" data-answer=\"Incorrect. In exchange for higher interest rate on your Fixed Deposit account, you lose the flexibility of a regular, day-to-day savings account. If you do withdraw your money from your fixed deposit account before the agreed maturity date, you will likely be penalised in the form of reduced interest or penalty fees.&lt;br \/&gt;&lt;br \/&gt; Check out our archive on &lt;a href='\/articles\/category\/fixed-deposit' target='_blank'&gt;Fixed Deposit&lt;\/a&gt;  for more information.\">A. Yes, with interest earned to date.<\/li>\n<\/ul>\n<div class=\"answer\"><\/div>\n<\/div>\n<div class=\"question\" id=\"question-4\">\n<p><strong>4. Johan is currently servicing a 9-year car loan. One day, Johan received a huge amount from an inheritance and he would like to pay off his car loan. Would this make a good money-saving move for Johan?<\/strong><\/p>\n<ul>\n<li data-correct=\"0\" data-answer=\"Incorrect. Unlike a flexi home loan, in a hire purchase loan, you have agreed to an amount, including the interest of X number of repayment years. Hence, the interest amount will remain the same even if you have cleared your car loan debt ahead of schedule.&lt;br \/&gt;&lt;br \/&gt; Find out more about &lt;a href= \/articles\/category\/car-loan' target='_blank'&gt;car loans&lt;\/a&gt; here.\">A. Yes. He will be able to save on interest rate due to the prepayment on the car loan.<\/li>\n<li data-correct=\"1\" data-answer=\"Correct. Unlike a flexi home loan, in a hire purchase loan, you have agreed to an amount, including the interest of X number of repayment years. Hence, it won't make any difference if you clear off your car loan debt in a prepayment or if you follow the payment schedule.&lt;br \/&gt;&lt;br \/&gt; Find out more about &lt;a href= \/articles\/category\/car-loan' target='_blank'&gt;car loans&lt;\/a&gt; here.\">B. No. Total interest charged for the 9 years will still be applicable.<\/li>\n<\/ul>\n<div class=\"answer\"><\/div>\n<\/div>\n<div class=\"question\" id=\"question-5\">\n<p><strong>5. Li Yen has a RM350,000 home loan with a lock-in period of 3 years and an exit penalty of 3%. After 2 years of repaying the loan, she lost her job and is planning to put the house in the market to reduce her financial commitment. By selling the property before the end of the three-year lock-in period, how much will she have to pay to the bank in penalty? <\/strong><\/p>\n<ul>\n<li data-correct=\"0\" data-answer=\"That\u2019s not right. Lock-in period refers to the length of time where you\u2019ll incur an exit penalty should you choose to pay off your home loan in full.  In Malaysia, a lock-in period could be anything from three years up to five years or more, whilst an exit penalty could start from as low as 2% all the way up to 5% of your original loan amount. Your Penalty = 3% \u00d7 RM350,000 = RM10,500 Find out more about &lt;a href= \/articles\/lock-in-period-for-home-loan' target='_blank'&gt;lock-in period&lt;\/a&gt;.\">A. RM3,500<\/li>\n<li data-correct=\"0\" data-answer=\"That\u2019s not right. Lock-in period refers to the length of time where you\u2019ll incur an exit penalty should you choose to pay off your home loan in full.  In Malaysia, a lock-in period could be anything from three years up to five years or more, whilst an exit penalty could start from as low as 2% all the way up to 5% of your original loan amount. Your Penalty = 3% \u00d7 RM350,000 = RM10,500 Find out more about &lt;a href= \/articles\/lock-in-period-for-home-loan' target='_blank'&gt;lock-in period&lt;\/a&gt;.\">B. RM12,000<\/li>\n<li data-correct=\"1\" data-answer=\"Well done. Lock-in period refers to the length of time where you\u2019ll incur an exit penalty should you choose to pay off your home loan in full.  In Malaysia, a lock-in period could be anything from three years up to five years or more, whilst an exit penalty could start from as low as 2% all the way up to 5% of your original loan amount. Your Penalty = 3% \u00d7 RM350,000 = RM10,500 Find out more about &lt;a href= \/articles\/lock-in-period-for-home-loan' target='_blank'&gt;lock-in period&lt;\/a&gt;.\">C. RM10,500<\/li>\n<li data-correct=\"0\" data-answer=\"That\u2019s not right. Lock-in period refers to the length of time where you\u2019ll incur an exit penalty should you choose to pay off your home loan in full.  In Malaysia, a lock-in period could be anything from three years up to five years or more, whilst an exit penalty could start from as low as 2% all the way up to 5% of your original loan amount. Your Penalty = 3% \u00d7 RM350,000 = RM10,500 Find out more about &lt;a href= \/articles\/lock-in-period-for-home-loan' target='_blank'&gt;lock-in period&lt;\/a&gt;.\">D. RM15,000<\/li>\n<\/ul>\n<div class=\"answer\"><\/div>\n<\/div>\n<div class=\"question\" id=\"question-6\">\n<p><strong>6. Yong has a monthly income of RM2,500 and he holds two credit cards with two different banks. What is his combined credit limit for both his card?<\/strong><\/p>\n<ul>\n<li data-correct=\"0\" data-answer=\"Incorrect! According to the restriction introduced by Bank Negara Malaysia in 2011, an individual earning RM36,000 or less per year, can only hold principal  cards from a total of 2 credit card issuers.  The maximum credit card limit shall not exceed two times of his monthly income per issuer.  Hence, Yong\u2019s credit limit is calculated as such: (RM2,500 x 2) x 2 cards = RM10,000 For more on credit limit, click &lt;a href= \/articles\/credit-card-limit'target='_blank'&gt;here&lt;\/a&gt;.\">A. RM5,000<\/li>\n<li data-correct=\"1\" data-answer=\"Correct! According to the restriction introduced by Bank Negara Malaysia in 2011, an individual earning RM36,000 or less per year, can only hold principal  cards from a total of 2 credit card issuers.  The maximum credit card limit shall not exceed two times of his monthly income per issuer.  Hence, Yong\u2019s credit limit is calculated as such: (RM2,500 x 2) x 2 cards = RM10,000 For more on credit limit, click &lt;a href= \/articles\/credit-card-limit'target='_blank'&gt;here&lt;\/a&gt;.\">B. RM10,000<\/li>\n<li data-correct=\"0\" data-answer=\"Incorrect! According to the restriction introduced by Bank Negara Malaysia in 2011, an individual earning RM36,000 or less per year, can only hold principal  cards from a total of 2 credit card issuers.  The maximum credit card limit shall not exceed two times of his monthly income per issuer.  Hence, Yong\u2019s credit limit is calculated as such: (RM2,500 x 2) x 2 cards = RM10,000 For more on credit limit, click &lt;a href= \/articles\/credit-card-limit'target='_blank'&gt;here&lt;\/a&gt;.\">C. RM15,000<\/li>\n<li data-correct=\"0\" data-answer=\"Incorrect! According to the restriction introduced by Bank Negara Malaysia in 2011, an individual earning RM36,000 or less per year, can only hold principal  cards from a total of 2 credit card issuers.  The maximum credit card limit shall not exceed two times of his monthly income per issuer.  Hence, Yong\u2019s credit limit is calculated as such: (RM2,500 x 2) x 2 cards = RM10,000 For more on credit limit, click &lt;a href= \/articles\/credit-card-limit'target='_blank'&gt;here&lt;\/a&gt;.\">B. RM20,000<\/li>\n<\/ul>\n<div class=\"answer\"><\/div>\n<\/div>\n<div class=\"question\" id=\"question-7\">\n<p><strong>7. Helmi is getting a RM400,000 home loan with a 4.2% (BLR-2.4%) annual interest rate. How much does he need to pay for the interest in his first month\u2019s repayment?<\/strong><\/p>\n<ul>\n<li data-correct=\"0\" data-answer=\"Incorrect! To estimate our first month\u2019s interest amount,  divide the 4.2% yearly interest rate to 12 months. i.e. 4.2% \u00f7 12 = 0.35%. Then, apply the 0.35% monthly interest rate to the principal loan amount of RM400,000, which comes up RM1,400.  Find out more about &lt;a href= \/articles\/how-does-a-home-loan-really-work' target='_blank'&gt;home loan calculation&lt;\/a&gt;.\">A. RM700<\/li>\n<li data-correct=\"1\" data-answer=\"That\u2019s right! To estimate our first month\u2019s interest amount,  divide the 4.2% yearly interest rate to 12 months. i.e. 4.2% \u00f7 12 = 0.35%. Then, apply the 0.35% monthly interest rate to the principal loan amount of RM400,000, which comes up RM1,400.  Find out more about &lt;a href= \/articles\/how-does-a-home-loan-really-work' target='_blank'&gt;home loan calculation&lt;\/a&gt;.\">B. RM1,400<\/li>\n<li data-correct=\"0\" data-answer=\"Incorrect! To estimate our first month\u2019s interest amount,  divide the 4.2% yearly interest rate to 12 months. i.e. 4.2% \u00f7 12 = 0.35%. Then, apply the 0.35% monthly interest rate to the principal loan amount of RM400,000, which comes up RM1,400.  Find out more about &lt;a href= \/articles\/how-does-a-home-loan-really-work' target='_blank'&gt;home loan calculation&lt;\/a&gt;.\">C. RM16,800<\/li>\n<\/ul>\n<div class=\"answer\"><\/div>\n<\/div>\n<div class=\"question\" id=\"question-8\">\n<p><strong>8. Which of the following is not required when applying for a personal loan?<\/strong><\/p>\n<ul>\n<li data-correct=\"1\" data-answer=\"Good job! Applicant of a personal loan is not required to pay for legal fees. Some of the common fees and charges of a personal loan are processing fees, stamping fees, early repayment and late payment charges. Find out more about &lt;a href= \/articles\/fees-and-charges-of-a-personal-loan' target='_blank'&gt;other fees and charges&lt;\/a&gt; of a personal loan.\">A. Legal fees<\/li>\n<li data-correct=\"0\" data-answer=\"Incorrect! Applicant of a personal loan is not required to pay for legal fees. Some of the common fees and charges of a personal loan are processing fees, stamping fees, early repayment and late payment charges. Find out more about &lt;a href= \/articles\/fees-and-charges-of-a-personal-loan' target='_blank'&gt;other fees and charges&lt;\/a&gt; of a personal loan.\">B. Stamping fees<\/li>\n<li data-correct=\"0\" data-answer=\"Incorrect! Applicant of a personal loan is not required to pay for legal fees. Some of the common fees and charges of a personal loan are processing fees, stamping fees, early repayment and late payment charges. Find out more about &lt;a href= \/articles\/fees-and-charges-of-a-personal-loan' target='_blank'&gt;other fees and charges&lt;\/a&gt; of a personal loan.\">C. Processing fees<\/li>\n<li data-correct=\"0\" data-answer=\"Incorrect! Applicant of a personal loan is not required to pay for legal fees. Some of the common fees and charges of a personal loan are processing fees, stamping fees, early repayment and late payment charges. Find out more about &lt;a href= \/articles\/fees-and-charges-of-a-personal-loan' target='_blank'&gt;other fees and charges&lt;\/a&gt; of a personal loan.\">D. Late payment charges<\/li>\n<\/ul>\n<div class=\"answer\"><\/div>\n<\/div>\n<div class=\"question\" id=\"question-9\">\n<p><strong>9. Which of the following is not a good reason to refinance your home?<\/strong><\/p>\n<ul>\n<li data-correct=\"0\" data-answer=\"Incorrect! Freeing up an amount of cash is a common reason that drives home owners to go into refinancing. However, it is not advisable to refinance your home just to invest in a Fixed Deposit account because your fixed deposit interest is almost certainly lower than the interest of your home loan. See &lt;a href= \/articles\/3-wrong-reasons-to-refinance-your-home-loan' target='_blank'&gt;3 reasons&lt;\/a&gt; why you shouldn\u2019t refinance your home for more information. Also, find out what are the &lt;a href= \/articles\/home-loan-refinancing' target='_blank'&gt;advantages&lt;\/a&gt; of refinancing your home.\">A. To consolidate your debts<\/li>\n<li data-correct=\"1\" data-answer=\"Well done! Freeing up an amount of cash is a common reason that drives home owners to go into refinancing. However, it is not advisable to refinance your home just to invest in a Fixed Deposit account because your fixed deposit interest is almost certainly lower than the interest of your home loan. See &lt;a href= \/articles\/3-wrong-reasons-to-refinance-your-home-loan' target='_blank'&gt;3 reasons&lt;\/a&gt; why you shouldn\u2019t refinance your home for more information.\">B. To free up your cash for Fixed Deposit investment<\/li>\n<li data-correct=\"0\" data-answer=\"Incorrect! Freeing up an amount of cash is a common reason that drives home owners to go into refinancing. However, it is not advisable to refinance your home just to invest in a Fixed Deposit account because your fixed deposit interest is almost certainly lower than the interest of your home loan. See &lt;a href= \/articles\/3-wrong-reasons-to-refinance-your-home-loan' target='_blank'&gt;3 reasons&lt;\/a&gt; why you shouldn\u2019t refinance your home for more information. Also, find out what are the &lt;a href= \/articles\/home-loan-refinancing' target='_blank'&gt;advantages&lt;\/a&gt; of refinancing your home.\">C. To shorten your home loan tenure<\/li>\n<li data-correct=\"0\" data-answer=\"Incorrect! Freeing up an amount of cash is a common reason that drives home owners to go into refinancing. However, it is not advisable to refinance your home just to invest in a Fixed Deposit account because your fixed deposit interest is almost certainly lower than the interest of your home loan. See &lt;a href= \/articles\/3-wrong-reasons-to-refinance-your-home-loan' target='_blank'&gt;3 reasons&lt;\/a&gt; why you shouldn\u2019t refinance your home for more information. Also, find out what are the &lt;a href= \/articles\/home-loan-refinancing' target='_blank'&gt;advantages&lt;\/a&gt; of refinancing your home.\">D. To reduce your home loan interest<\/li>\n<\/ul>\n<div class=\"answer\"><\/div>\n<\/div>\n<div class=\"question\" id=\"question-10\">\n<p><strong>10. Justin\u2019s car has broken down due to a flash flood near his office last week. He has a comprehensive car insurance policy for his vehicle. Will he be eligible for a claim from his car insurer?<\/strong><\/p>\n<ul>\n<li data-correct=\"1\" data-answer=\"That\u2019s right. A comprehensive car insurance does not cover damage caused by flood under the special peril clause. Other damages not covered under special peril are loss or damage arising from flood, storm, typhoon, landslide and other acts of nature. Find out what are covered and not covered under a &lt;a href= \/articles\/comprehensive-car-insurance' target='_blank'&gt;comprehensive car insurance&lt;\/a&gt;.\">A. No<\/li>\n<li data-correct=\"0\" data-answer=\"Incorrect! Unfortunately, a comprehensive car insurance does not cover damage caused by flood under the special peril clause. Other damages not covered under special peril are loss or damage arising from flood, storm, typhoon, landslide and other acts of nature. Find out what are covered and not covered under a &lt;a href= \/articles\/comprehensive-car-insurance' target='_blank'&gt;comprehensive car insurance&lt;\/a&gt;.\">B. Yes<\/li>\n<\/ul>\n<div class=\"answer\"><\/div>\n<div class=\"answer\">\n<h3 style=\"text-align: left;\" align=\"center\"><strong>To be a whiz at managing your personal finance, visit our <a href=\"\/articles\/\" target=\"_blank\">Learning Centre<\/a> for more useful information.<\/strong><\/h3>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Take the iMoney challenge by answering these 10 simple questions on credit card, loans and insurance.<\/p>\n","protected":false},"author":1,"featured_media":7798,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[218],"tags":[],"class_list":["post-7782","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-management"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Are You Money Smart? 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