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kukujain · 3 years ago

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Best Credit Cards to Get in 2021

Financial health is an important element in our lives. In times like these, it is important that we must ensure that our financial health is in best order. Credit cards are one way where we can ensure that our spends are rewarded in a good measure through loyalty rewards which is a form of a saving. This article talks about some of the best credit cards in the UAE across categories such as premium, cashback and no fee cards.

Things to note before one applies for a credit card.

We must understand our financial ability on repayments before signing up for a credit card. Since this can have a significant impact on one’s credit score which happens to be a basic requirement for any future credit requirements, one must ensure that the need and ability to pay in a disciplined manner is evident.

Some of the top reasons why customers opt for credit card are.

Loyalty rewards in the form of cashback, reward points or airmiles are standard feature in most of the cards. Credit card issuing companies attract customers by offering value through attractive loyalty rewards.

Features such as airport lounge access, valet service, buy 1 get 1 offers, promotional balance transfer rates, free movies etc., are popular and does provided value to customers who use these services.

Most of the credit card issuing companies offer attractive joining offers to new customers. These can be in the form of promotional cashback rates for a specific period, joining bonus airmiles, free hotel stays and so on.

Soul wallet’s extensive research on products available in the UAE is primarily to cater to customer needs in clearly understanding which the suitable cards are customized to one’s individual spend patterns.

Most of the products listed below are from our partners who compensate us. However, the review is completely unbiased and an individual opinion of Soulwallet based on product features, customer feedback etc., One must be aware that some of the product features might change at the time of your application, hence we recommend that customers revalidate specific reward features prior to application.

Best Cashback Credit Cards 2021

Show 10152550100 entriesSearch:Product NameBank NameAnnual FeeProfit / Interest RateMinimum SalaryTop ReasonsApply NowCashback Credit CardFAB3153.50%5000Ramadan Offer: AED 250 Cashback for Expatriates within 30 days (valid up to 31-May-21), Ramadan Offer: AED 750 Cashback for UAE Nationals within 30 days (valid up to 31-May-21), 5% cashback on supermarket (including online), fuel and utilities.2% cashback on non-AED spends. 1% cashback on all other retail spends, including online shopping Up to 2 discounted tickets at VOX. No limits on how much you can earn with FAB Cashback Credit CardApply for FAB Cashback Credit Card OnlineWorld Credit CardRAKBANK03.25%20000Monthly spend AED 15,000 to AED 19,999 earn cashback on: Travel - 5% (max AED 300),Supermarkets - 5% (max AED 200) Monthly spend above AED 20,000 earn cashback on: Travel - 10% (max AED 600) , Supermarkets - 10% (max AED 400) Monthly Spend : Up to AED 14,999 - 3% (international), 1% (domestic) Monthly spend AED 14,999 to 29,999 - 4% (international), 2% (domestic) Above AED 30,000 - 5% (international), 3% (domestic) 50% off at VOX cinema tickets Free Delivery of Fuel by CAFU at your doorstep; Free Travel Accident & Medical Cover Free for first year.Apply for RAKBANK World Credit Card OnlineCashback Plus CardEmirates Islamic2993.49%5000Cashback on Supermarket, Education, Dining; telecom for total monthly spend level: Up to AED 2,499 - 0% cashback Between AED 2,500; AED 7,499 - 3% cashback Between AED 7,500; AED 14,999 - 5% cashback Above AED 15,000 - 10% cashback Maximum Cash Back Per Month - AED 200 for above categories, except Education as the cap is AED400 Earn up to 10% cashback on specific categories; Embedded Nol chip for RTA benefits; Unlimited Lounge Access; Complimentary Golf any day of the weekApply for Emirates Islamic Cashback Plus Card OnlineSuper Saver Credit CardCBD4203.45%800010% cashback on the following everyday retail spend categories, capped at AED 200 per category, per month. A minimum monthly total spend of AED 3,000 across all categories is required to start earning cashback Bills (e.g. Telecomm Bills, Utilities Bills and Government-Linked Payments) Education (e.g. Schools, and Colleges/Universities in the UAE and abroad), Supermarket (e.g. Grocery Stores), Transport (e.g. Fuel), Earn up to 1% Cashback on every AED 2 on all other spends, with no caps. Maximum Cashback per month is AED 200 per category (800 in total). Frist year free on primary cardApply CBD Super Saver Credit Card OnlineCashback Credit CardCitibank03.25%80003% on all International Spends, 2% on grocery/supermarket spends and 1% on all other spends. No caps, no minimum spend, no redemption process and no spend categories excluded. Exclusive Soulwallet offer of AED 300 gift card on bookingApply for Citi Cashback Credit Card OnlineShowing 1 to 5 of 5 entriesPreviousNext

Best Reward Points Credit Cards 2021

Show 102550100 entriesSearch:Product NameBank NameAnnual FeeProfit / Interest RateMinimum SalaryTop ReasonsApply OnlineGo4it Platinum Credit CardEmirates NBD

03.25%12000Exclusive cinema offers, Life time free card along with a AED 300 Noon.com voucher Earn Plus Points for every spend and redeem them instantly at your favourite stores. You can also convert your Plus Points to Frequent Flyer Miles or Cash back. 5 Plus Points for every AED 200 spend on weekends. 4 Plus Points for every AED 200 spend on RTA. 1 Plus Points for every AED 200 spend on weekdaysApply for Emirates NBD Go4it Platinum Credit Card OnlineLulu Platinum Credit CardADCB03.25%15000No Annual Fee, Interest-free balance transfers, Redeem reward points instantly at Lulu, Benefits at Ferrari World & Yas Water world, Lulupoints can be redeemed with supplementary card. Earn LuluPoints for every 1 AED spent earn 5 LuluPoints on purchases made at all Lulu stores in UAE. For every 1 AED spent earn 1.25 LuluPoints on purchases made elsewhere subject to meeting a monthly spend goal of AED 3,500 (Lulu elsewhere). 5000 Lulupoints gives voucher worth AED 50. Points can be redeemed instantly at the checkout counters of Lulu Hypermarket across UAE. Can be redeemed for as low as 5000 Lulupoints with supplementary card as well.Apply for ADCB Lulu Platinum Credit Card OnlineEDGE CardADIB7502.99%1500010% cashback on all dining spend in UAE, Extensive travel insurance and protection, ADIB Rewards Program, Earn 2.5 reward points for 1 AED you spend on your card. ;Points earned can be used towards airline tickets, shopping mall vouchers and Club Apparel gift cards.Apply for ADIB EDGE Card OnlineGEMS Titanium Credit CardFAB03.5%5000No annual fee. Up to 4.25% fixed discount on advanced payment of GEMS fees. 10% Cashback with Shop Smart. Enjoy access to airport lounges across the Middle East. Enjoy special offers at restaurants, premium retail etc. Earn 1 Star for every AED 1 spent on Domestic purchases Earn 1.75 Stars for every AED 1 spent on International purchases Redeem your Stars for Etihad Guest Miles, Skywards Miles from Emirates, or to book tickets on any airline through Stars Travel Portal.Apply for FAB GEMS Titanium Credit Card OnlineRewards Credit CardCitibank03.25%8000Earn ThankYou Reward points on all spends, VoucherSkout-Signup offer, Enjoy a 12-month amazon premium membership free, Get AED 300 worth of gift cards exclusively on Soulwallet Earn 1.5 ThankYou Points for any USD 1 spent in foreign currency Earn 1 ThankYou Points for any USD 1 spent in local currency (AED) 10 ThankYou Points for every USD 1 spent on hotel bookings at Kaligo.com With your ThankYou Points you have the flexibility to redeem for travel rewards, merchandise, gift vouchers and many other rewarding experiences Choose from merchandise ranging from apparel to electronics to home goods and more Pay with Points for your purchases through SMS or Citibank OnlineApply for Citi Rewards Credit Card OnlineShowing 1 to 5 of 5 entriesPreviousNext

Best Travel Credit Cards 2021

Show 102550100 entriesSearch:Product NameBank NameAnnual FeeProfit / Interest RateMinimum SalaryTop ReasonsApply OnlineBooking.com Infinite CardADIB20003.29%20000200,000 sign-up reward points, Flight and hotel booking discounts, Extensive premium travel & lifestyle benefits Earn rewards on all spends & cashback on specific categories through ADIB Rewards Program - Earn 3 reward points for every AED 1 domestic or international spend Redeem your points against flight tickets/hotel bookings on Any Airline, Any Hotel Worldwide or Shopping Mall Vouchers or Club Apparel gift cards. Redemption Value: Every 10,000 points = 50; every 100,000 points = AED 1,000 Shopping mall vouchers Redeem Reward points against shopping mall vouchers: Sharjah Mega Mall, Dubai Festival City, Abu Dhabi Mall, Sahara Centre - SharjahApply for ADIB Booking.com Infinite Card OnlineEtihad Guest Infinite Credit CardFAB25003.5%3000075% Etihad Guest Miles Discount Voucher; Fast Track Enrolment to Etihad Guest Gold Membership; Complimentary Inflight Wifi Vouchers; Optional Etihad Guest Miles Accelerator;55,000 welcome Etihad Guest Miles Domestic transactions (AED): 4.5 Miles earned per AED 10, International transactions (non-AED): 6.0 Miles earned per AED 10 Etihad or Etihad Airways partners: 9.0 Miles earned per AED 10 Balance transfer (from other bank credit cards): 2.5 Miles earned per AED 10Apply for FAB Etihad Guest Infinite Credit Card OnlinePremier Credit CardCitibank03.50%15000Complimentary Movies and Golf Offers, VoucherSkout-Signup offer, Enjoy a 12-month amazon premium membership free, Get AED 500 worth of gift card of your choice exclusively on Soulwallet (pls refer to terms and conditions) Earn 2 ThankYou Points per USD on international spent and 1.5 ThankYou Points per USD of local spend With ThankYou Points you have the flexibility to redeem for travel rewards, merchandise, gift vouchers and many other rewarding experiences. Transfer your ThankYou Points to 15 airline and hotel partners for flights and hotel stays. Book flights, hotels, rental cars and holiday packages with no blackout dates for bookings Choose from merchandise ranging from apparel to electronics to home goods and moreApply for Citi Premier Credit Card OnlineEmirates Skywards World Elite Mastercard Credit CardRAKBANK14992.45%20000Get up to 160,000 Bonus Skywards Miles, Emirates Skywards Silver Tier Status, Access to 900+ airport lounges across the world, Fast Track to Gold Tier status, 1-night free stay at Rixos JBR Earn Emirates Skywards Miles on all spends based on spend tiers AED 2,000 to AED 4,999 - 600 Skywards miles AED 5,000 to AED 9,999 - 2,000 Skywards miles AED 10,000 to AED 19,999 - 5,000 Skywards miles AED 20,000 to AED 29,999 - 8,000 Skywards miles AED 30,000 to AED 39,999 - 11,000 Skywards miles AED 40,000 to AED 49,999 - 16,000 Skywards miles AED 50,000 to AED 74,999 - 20,000 Skywards miles AED 75,000 to AED 99,999 - 30,000 Skywards miles AED 100,000 - 40,000 Skywards miles Skywards Miles award will be reduced to 50% if spend in special categories (such as Charities, Government Services, Bill Payments, Schools, Transits, Transport, Telecommunication, Real Estate, Petrol/Gas stations, Supermarkets, Health & Beauty, Club Membership, Motion Pictures & Theatres, Computer Services, Automobiles Vehicles) exceeds 50% of total spends for the month.Apply for RAKBANK Emirates Skywards World Elite Mastercard Credit Card OnlineSkywards Signature Credit CardEmirates NBD7003.25%15000Best-in-class Skywards Miles earning - earn and redeem miles; Good lifestyle offers; Complimentary, unlimited worldwide lounge access; Exclusive Concierge Desk and privileges Earn Skyward Miles per 1 USD of spend: Earn 1.5 Miles on Emirates and fly Dubai spends Earn 1.5 Miles on duty free, online food delivery and car booking apps spends Earn 1 Mile on International spends Earn 0.75 Miles on Domestic spendsApply for Emirates NBD Skywards Signature Credit Card OnlineShowing 1 to 5 of 5 entriesPreviousNext

Key Tips for First time Credit Card Users Credit cards can be outstanding tools to better your financial health. Not only can they extend you valuable credit to purchase necessary goods or services, but they can provide attractive rewards that can be used for meals and vacations.

That said, for first-time credit card users, credit cards can be intimidating. It’s easy to hear horror stories about how credit cards have destroyed an individual’s financial livelihood or have led to massive interest charges that are essentially inescapable.

Because of this, it’s worth your time to learn some first principles and key tips so that you can safely use a credit card. By following this advice, you can get the most out of your credit card and safeguard your financial health—whether you are a first-time credit card user in the UAE or anywhere else.

Some Key Tips and Strategies on Safe Credit Card Use Before looking at any type of credit card, it is critical to ensure that you have a steady income. While credit cards can be immensely rewarding, you can only obtain those immense rewards if you can pay off your balance.

Without a steady income, it becomes difficult to pay off that credit card balance. The longer that you don’t pay off your balance, the more that you will be paying to your credit card company. Even if you are just making minimum payments, hefty interest expenses can be extremely costly. Double-digit interest rates can quickly add up. Therefore, before signing up, make sure that you will have consistent enough income to pay off your monthly statements. By doing so, you will avoid a very ugly financial situation.

Next, you want to make sure you are signing up for the right credit card. As similar as credit cards may seem, they offer different terms and rewards. You will certainly want to review your potential interest rate and any penalties that will come from late payments. Beyond the negative aspects, however, you will want to take a close look at your unique spend and your targeted credit card’s rewards.

Rewards are some of the best parts of using a credit card. All credit cards offer points that you can then exchange for rewards, but credit cards offers different exchange rates for certain things. For instance, one credit card may offer slightly more points for restaurant and dining spending and another may offer slightly more points for booking flights. You’ll want to read the fine print and sign up for a card that gives you more points for your common expenses.

Associated with this, try to avoid free credit cards. By free credit cards, we mean credit cards that do not have annual fees. This is for several reasons. For one thing, free cards may not be best from a savings perspective. They tend to have higher interest rates, so you may end up paying more if you don’t pay off your card in full. Along with this, cards with annual fees tend to offer better rewards. These cash-back rewards can be substantial and may even eclipse the amount that you pay in your card’s annual fee. While the initial payment may be annoying or frustrating, chances are that you will get much more value through a card with a fee, rather than a free card.

From avoiding free credit cards, you’ll next want to understand the eligibility requirements for your chosen card. For as great as a credit card may be for you, you may not meet its eligibility requirements. As just one simple example, in the UAE, a minimum of AED 5,000 to qualify for a credit card. However, different types of cards cater to different income segments, so you will want to read the fine print to see if you qualify. By reading the fine print now rather than waiting to do so after you submit your application, you won’t waste time and will find the best credit card for you.

You will also want to make sure that you are collecting and providing all necessary documents to complete your credit card application. This may vary depending on the credit card and application that you submit. However, you will need to provide identification documents like an Emirates ID (in the UAE), passport, and/or visa. You may also need to offer additional documents like income certificates, bank statements, payslips, and more. If you work for a small employer or a relatively new company, the bank may need to perform an employer visit or telephone verification.

What does this mean for you? Ultimately, make sure that you have this type of information at the ready. By having it in your vicinity before you start the process, you will make your life easier.

Another key tip is to avoid getting too close to your credit limit. Every credit card user has something called a credit utilization ratio. This is essentially the percentage of outstanding credit that is available to you.

There is a fine line here. The basic rule is that you should the lower your credit utilization ratio, the better. A high credit utilization ratio can harm your credit score. However, that should not stop you from responsibility using your credit card. You should follow your best judgment here and find a credit utilization ratio that meets your needs and does not harm your credit score.

Finally, be patient. While it can be tremendously exciting getting a new credit card, you don’t necessarily want to jump at the first opportunity. Make sure that you are looking at several different types of credit cards. At the very least, you should do some Internet research on those specific cards to see if one suits you over another. Also, don’t hesitate to call the specific credit card company to find answers to any questions you may have. By being patient and completing your due diligence, you can make this experience much easier.

Getting Started on Your Credit Card Journey Getting your first credit card can be intimidating, yet exciting. There are risks but they can be mitigated. By following the tips and advice above, you will be in an excellent position to responsibly use your new credit card.

Five Reasons to Consider Doing a Balance Transfer on Your Credit Card The sudden rise of COVID-19 has presented varying degrees of economic stress among UAE residents. Institutions like the UAE Central Bank and some of the UAE’s biggest banks have acted swiftly to relieve some of this unexpected, yet very real financial pressure. Yet even with that assistance, this is a great time for all UAE residents to take a hard look at their current finances.

There are several ways that you can proceed, but we believe that one of the first things you should do is closely look at the balances on your credit cards. For many of us, our credit card balances are some of our highest payments per month. While we may be able to pay off our monthly credit card balances during “normal times, COVID-19 this increased time of uncertainty may make those payments much more difficult.

If you are feeling this type of financial pressure, you may want to seriously consider something called a balance transfer. Balance transfers, put simply, let you move high-interest debt onto another credit card that has a lower interest rate. By doing this, you can keep some of your hard-earned money in your pocket.

To better understand the power of balance transfers, we want to highlight five reasons why you should consider them. Whether one or all of the reasons resonate with you, we believe balance transfers can be compelling options in this era of COVID-19.

The first reason to go forward with a balance transfer centers on your current credit card interest payments. Simply put, balance transfers can temporarily eliminate a high annual percentage rate on your current credit card, allowing more of your payment to go toward your principal. If you are in deep credit card debt, this is a huge deal. A significantly lower (or even zero) interest rate means that you are getting significantly closer toward a zero balance. Therefore, even if there is a small fee to complete a balance transfer, a lower APR may be worth it.

Directly tied with lower interest payments is the ability to save cash in the long run. It’s pretty simple. Allocating more of your monthly payment to your debt outstanding rather than interest is going to keep more cash in your pocket. It is a substantial step on your way toward financial freedom. A balance transfer can offer that unique opportunity, letting you have a few key months where you can make your outstanding principal more manageable.

Balance transfers can also be a great idea because they may be able to raise your credit score. The effect isn’t direct, but there are some ways that your credit score can be improved with a balance transfer. Most notably, it can reduce your credit utilization ratio. This is assuming that you don’t close your old credit card account. Along with paying off your principal, you may see a bump in your overall credit score.

Fourth, a balance transfer can help you build good habits and instill discipline. One primary reason why borrowers seek balance transfers is to obtain some breathing room from overbearing interest payments and debt. Balance transfers can provide this, but they also provide great opportunities to get into great financial habits. For instance, paying down your balance every month and spending less than you make are terrific habits to build.

Finally, credit card balance transfers can make you happier. They can provide both short-term and long-term financial relief. By capitalizing on this relief and getting a better hold over your finances, you’ll feel happier and less stressed. This is a real benefit—especially as we are living through COVID-19.

A Compelling Option These are just some of the benefits of credit card balance transfers. Granted, you will want to read the fine print and find a balance transfer that makes the most sense for you. Some balance transfer arrangements have a low (or zero) APR, but ramp up significantly after several months or if you miss one payment.

Even so, balance transfers can be a valuable tool in personal finance. Whether or not you choose to use this tool, we encourage you to do your research. You may find that a balance transfer is just the thing you need to get your financial freedom.

Soulwallet is a personal finance comparison portal in the UAE. With a team of “out of the box” thinkers and a deep understanding of the UAE consumer banking industry, we help customers make the best choices while shopping for financial products such as credit cards and loans.

Read more here : https://www.soulwallet.com/

#BestCreditCardstoGetin2021

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sharengayonline · 3 years ago

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ahm Health Insurance Review | Finder

Sharengay Trang Tin Tức Độc Đáo VIDEO ahm Health Insurance Review | Finder

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

Pros

ahm is good at covering the basics and mid-level treatments for an affordable price. From 61 extras policies available on Finder, we found their black 50 saver to be the cheapest policy available that offered more than ambulance only cover.

ahm’s lifestyle extras has no waiting periods for certain treatments including general dental, optical and physiotherapy. No other policy currently offers this option.

Its Silver Plus policy is competitively priced and covers 32 treatments – that’s 6 more than the minimum requirement.

Cons

At around $194 a month, their gold tier policy, top hospital gold, isn’t the cheapest option. HBF, Medibank and HCF are all cheaper.

Because it’s owned by Medibank, the Ombudsman groups them together, so it has a higher ratio of complaints to overall market share than other big funds like Bupa and HBF.

Best value ahm health insurance policies

These are some of the best value hospital and extras policies from ahm, based on the Bronze, Silver and Gold tier rating..

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Top Pick for

Bronze Hospital

Top Pick for

Silver Hospital

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*Quotes are based on a single individual with less than $90,000 income, $500 excess and living in Sydney.

ahm health insurance: Our verdict

ahm is owned by Medibank, Australia’s biggest health insurer. It’s an uncomplicated, digital-first service that consistently offers some of the cheapest health insurance policies in Australia.

ahm is good if:

You want to skip waiting periods on extras treatments like dental, optical and physiotherapy – its lifestyle extras policy lets you do this.

You want cheap basic and mid-level policies.

ahm is not great if:

You want a top tier policy at an affordable price.

You’re overwhelmed by lots of choice. ahm has lots of options to choose from.

Review by our insurance writer Gary Hunter

Compare all policies from ahm

Sign-up deals with ahm health insurance for 2021

What types of health insurance does ahm offer?

Hospital Coverage

Starter Basic.This product includes the minimum standard clinical categories required for a ‘basic’ rating. It covers you for accidents, including accident override and limited medically necessary ambulance.

Essentials Basic Plus.This gives you limited medically necessary ambulance and accident override as well as things like dental surgery and joint reconstructions.

Starter Bronze.Bronze cover includes the 18 clinical categories required for a Bronze rating including important services such as chemotherapy, radiotherapy and immunotherapy for cancer.

Lite Bronze Plus.As well as everything included in the Starter Bronze package, services also include hospital services for back, neck and spine, dental surgery and lung and chest.

Core Bronze Plus.This product includes the minimum standard clinical categories required for a Bronze rating as well as Lite Bronze. It also includes medically necessary plastic and reconstructive surgery and more.

Starter Silver.This product covers the 26 clinical categories required for a Silver rating including heart and vascular system.

Classic Silver Plus.As well as the minimum standard clinical categories required for a Silver rating, Classic Silver also includes palliative care and rehabilitation.

Deluxe Silver Plus.Deluxe Silver includes all the perks of Classic and more. It doesn’t include pregnancy so is ideal for completed families and those not planning on having children.

Top Hospital Gold.The top level of hospital insurance, this policy includes all 38 clinical categories required for a Gold rating including pregnancy and birth services.

Extras coverage

Black 50 Saver.An inexpensive entry-level policy that covers 50% of the costs relating to routine dental, physiotherapy, chiropractic and osteopathic care. Emergency ambulance transport is also included and fully covered.

Black 60.Covering you for a range of essential extras services without breaking the bank, this policy pays up to 60% towards the cost of treatments including major dental, physiotherapy and remedial massage.

Black 70.A generous policy that includes up to 70% back on your included extras, such as dental, remedial massage and physio therapies. What’s more, it provides 100% back on optical frames, prescription and contact lenses, as well as no gap dental check-ups.

Lifestyle.This extras policy covers up to 17 alternative and complementary therapies including acupuncture, naturopathy and herbalism as well as major dental, optical, laser eye surgery and more.

Family.This policy covers a range of out-of-hospital treatments including pre and postnatal services and birthing courses and has no family limits.

Black 70 Boost.This policy will get you back up to 70% on everything you’ll need for your head to your toes, from dental to podiatry treatments.

Super.A premium extras policy that covers you for 28 services including major dental, orthodontics, optical and pharmacy prescriptions.

Combined coverage

Starter Flexi Basic.Suitable for those who only require the bare essentials, this policy covers you for vital hospital services and general treatments that are not eligible for a Medicare benefit (such as dental) and it allows the policyholder to avoid the Medicare Levy Surcharge and the Lifetime Health Cover loading.

Essentials Flexi Basic Plus.Affordable without compromising on protection, this policy includes treatment for accidents with some rehab as well as dental surgery and more.

Lite Flexi Bronze Plus.This policy provides the minimum standard clinical categories required for a Bronze rating as well as back, neck and spine, dental surgery and more.

Classic Flexi Silver Plus.Included are all silver services and a flexible extras limit. A good option if you are looking for a comprehensive combined policy without the additional cost of insuring for specialised services.

Deluxe Flexi Silver Plus.Combining all the services included in Silver plus a generous amount of extras, this policy ensures that you are fully covered both inside and outside of hospital. It also comes with an extras limit that goes up every year for 5 years and a bonus $300 optical limit.

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Ambulance coverage

ahm medically necessary ambulance cover is included on all ahm hospital and package products after a 1 day waiting period. You can get ahm unlimited emergency ambulance cover with all ahm extras products.

ahm health insurance complaints

We looked at the 2020 Ombudsman health insurance complaints. Because it’s owned by Medibank, it’s grouped with them. Here’s how it stacked up:

It provides a generally reliable service – it had fewer complaints that its market share.

It had slightly more complaints than other large health funds Bupa and HBF.

This chart shows the weighted volume of complaints received by each health fund, according to the Commonwealth Ombudsman. The lower the number, the better. Medibank is fifth overall in this ranking. The weighting ensures that funds are compared fairly; larger funds serve more customers so can potentially get more complaints.

ahm health insurance frequently asked questions

Yes. If you’re aged between 18 and 29 and are the principal member or partner on a hospital cover policy, you may be eligible for a discount. The youth discount applies to hospital cover only and is calculated on your base premium before the application of the 1 April 2019 Australian Government Rebate or Lifetime Health Cover loading discount. You may be entitled to a discount of up to 10%. ahm will continue to apply the discount you received on 1 April 2019 – or at the age you take out an eligible hospital product – until you turn 41, so long as you maintain continuous hospital cover. After this, your discount will reduce by 2% every year until it reaches zero.

Yes. Some ahm member offers include:

10% off ahm life insurance premiums for ahm health members.

15% off Goodlife Health Club memberships for ahm health members.

20% off Michelle Bridges 12 Week Body Transformation.

25% off Specsavers. When you buy a single pair of glasses at Specsavers, members can save 25% from the $149 and above range.

Pet insurance. Members can get two months free pet insurance.

$5 off your first 2 rides with Ola.

20% off Lenses and lens extras, and 10% off contact lenses at OPSM.

Once you’ve received treatment or purchased an item covered by your policy, you’ll need to make a claim. You can lodge a health insurance claim with ahm in the following ways:

On the spot. You can swipe your ahm membership card at almost 20,000 health care providers that support the HICAPS electronic claims system. This allows you to have your claim processed immediately.

Via a mobile app. You can lodge a claim using the ahm mobile app by taking a photo of your receipt using your smartphone and then submitting it to ahm.

Online. You can log into your online account through the ahm website and lodge your account by providing the details included on your receipt – just follow the two steps below.

By post. You can fill out a claim form and submit it along with your receipt from the provider to: AHM Health Insurance, Locked Bag 4, Wetherill Park, NSW, 2164.

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human-child · 4 years ago

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preciousmetals0 · 5 years ago

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The 5 Top Issues Facing Investors in 2020

The 5 Top Issues Facing Investors in 2020:

Investors always have a lot on their minds, particularly when it comes to saving for retirement. They’re always trying to figure out which way markets will move, when they’ll move, and what assets they should invest in to maximize their retirement savings. The more uncertainty faces them, the more difficult their investment decision making becomes.

Special: IRA, 401(k) & TSP Scam

In the aftermath of the financial crisis, it wasn’t at all obvious that stock markets were a good place to invest. Millions of investors were burned badly, losing significant portions of their investments. But for the past four years many investors have made great gains in markets, with stocks now at all-time highs.

Now investors are wondering what the coming year will hold, as 2020 seems to hold a great deal of uncertainty. Here are five of the top issues that will face investors in the coming year.

1. Sky-High Stock Markets

Stock markets remain at all-time highs, despite all the negative economic and political news. Declining manufacturing, the prospect of war, and continuing tariffs seem only to make temporary dents in stock market gains. But while stock markets continue to gain, investors know that it’s only a matter of time before they drop again. The only question is when, and what will be the trigger.

Many investors realize that corporate stock buybacks are what has driven stock markets over the past several years, with corporations issuing cheap debt and using the money raised to buy back their stocks. With the Federal Reserve having recently opened up the monetary spigots once again, hundreds of billions of dollars of new money is flooding into the financial system, with stock markets rising and falling based on how much money and credit the Federal Reserve creates.

When that flow of easy money ends, so will the stock market boom. Many investors want to ride the bull until the very end, but they may wait too late and end up losing money once markets begin to crash.

2. Slowing Economy

Economies around the world are slowing, an ominous sign for their health and strength. Manufacturing activity continues to decline, and shipments of goods by train, truck, and ship continue to plummet. While the US economy hasn’t entered recession yet, other economies have. It’s only a matter of time before the US succumbs to the growing economic malaise.

3. Tariffs

Despite the coming signing of the first phase of a trade deal, tariffs on Chinese imports remain. With tariffs on imports of steel from Brazil and Argentina still in place, plus the likelihood of new tariffs on imports from France, tariffs will remain a major headwind that will weigh on the economy.

Tariffs are always paid by the consumer, and US consumers have been hit hard thus far, with billions of dollars worth of tariffs driving up the cost of the goods they have come to rely on. More tariffs can come at any time, for any reason, and the effect of additional tariffs will increase costs to American consumers.

That will also continue to weigh on American businesses, which have already seen the prices of various production inputs rising. Continuation of tariffs will only make doing business in the US more expensive than it is already. And it remains to be seen how many US farmers will remain in business this year after the double whammy of Chinese tariffs and bad weather in 2019.

4. Geopolitical Uncertainty

If someone had told you a year ago that the US would kill an Iranian general and that Iran would retaliate by launching missiles at US bases in Iraq, you probably would have laughed. While Iran has long been a bogeyman, no one ever thought that conflict with Iran would lead to a shooting war. Yet here we are, and any day the conflict with Iran can break out into something larger. Just imagine what would happen if US troops were killed by Iranian missiles, or if a US facility in Iraq were overrun by Shiite militias.

Then add in Venezuela, North Korea, and all the other potential flash points and you have the potential for serious geopolitical conflict. Any conflict in those areas has the potential to bring the great powers to war against each other, something that would be incredibly destructive to the world economy and to investors’ portfolios.

5. Monetary Policy

With a return to loose monetary policy, the Federal Reserve System has juiced stock markets. Despite wave after wave of negative economic and political news, stock markets keep ticking higher. Analysts who have looked at the correlation between the Fed’s money creation and stock markets see that stock markets track almost identically with the Fed’s monetary policy. But the Fed can’t keep creating money forever. Once the gravy train ends, stock markets will sink. What will the Fed do then?

Markets are already beginning to price in interest rate cuts, but merely cutting interest rates to zero may not be enough for the Fed this time around. There’s a very real threat that the Fed might decide to introduce negative interest rates, something that would be disastrous for savers and investors.

Special: Why 2019 Could Be The End Of Your IRA, 401(k) or TSP

With so many issues facing investors this year, it could be a very interesting one. Anyone expecting 30% returns in stock markets like last year should prepare to be disappointed. But one asset that will likely make great gains is gold. Gold was up 15% last year despite the fact that stock markets were also booming, and the geopolitical conflict in the Middle East has already driven gold up significantly so far this year. So if you’re looking for an asset to protect the value of your investment portfolio against all the potential headwinds you’ll face, investing in gold may be just what you need.

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goldira01 · 5 years ago

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Special: IRA, 401(k) & TSP Scam

Now investors are wondering what the coming year will hold, as 2020 seems to hold a great deal of uncertainty. Here are five of the top issues that will face investors in the coming year.

1. Sky-High Stock Markets

2. Slowing Economy

3. Tariffs

4. Geopolitical Uncertainty

5. Monetary Policy

Special: Why 2019 Could Be The End Of Your IRA, 401(k) or TSP

#Timor Invest

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mrfog6 · 5 years ago

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discountggdbforsale-blog · 5 years ago

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saleshoesggdb-blog · 6 years ago

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adrianjenkins952wblr · 6 years ago

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The Trade Of The Decade: Betting On Bitcoin

I recently had a discussion with Taotao He (Director of Alternative Assets) and Jorge Go (Advisor) at Marto Capital, about the recent volatility and future impact of the crypto market. Despite this year’s bloodbath in the crypto-asset space, the industry will likely still generate considerable investor surplus in the long-run. In fact, an investment in a basket of the top crypto-assets (largely Bitcoin) has the best chance to deliver the most attractive risk-adjusted returns over the next 10-years, compared to less controversial favorites such as Amazon stock, 10-year U.S. Treasuries, an apartment in Manhattan, or other “consensus longs”. While the bull thesis for crypto-assets is far more nuanced than can be covered in a short article, in our discussion, we outlined four of the most salient themes below.

Bitcoin price action (01/01/2017 – 11/27/2018)Marto Capital Research

Bitcoin as a Macroeconomic Hedge and “Holy Grail” Portfolio Asset

Bitcoin is a rare, unlevered asset in a levered world. Global debt has reached $250 trillion ($70 trillion higher than in 2008); the U.S. runs a trillion-dollar deficit, pension funds are underfunded amidst retiring populations, and student debt has snowballed to $1.5+ trillion in the U.S. (with 9/10 borrowers struggling to make payments). All of this puts pressure on central banks to print excessively into the foreseeable future, diluting the value of fiat currency. Smart money (and increasingly, just more money), will flock to unlevered assets that have limited supply – gold, bitcoin, or other alternative assets that aren’t part of the mainstream investment world. Traditional assets such as equities, government / corporate bonds and real estate are all highly levered.

Further, from a portfolio theory perspective, bitcoin is an asset that is non-correlated (volatile yes, but volatility that is unrelated to fiat investments) and therefore a true method of diversification that boosts the overall portfolio’s risk-reward (e.g. Sharpe, Sortino), and with plenty of upside that is premised on secular and defensible trends.

Blockchain is Built on the Premise of Social Scalability

The story of humans is a story of networks - where throughout thousands of years of history, we’ve organized ourselves into networks which we use to get things done. Cooperation across boundaries has produced nations, businesses and other crucial institutions. But cooperation requires a protocol that sets the rules of cooperation, and that traditionally requires some gatekeeping entity to be in charge - because someone always cheats. That entity historically would be a king, an elite, a corporation, or a crowd. The problem is, if you put a king in charge, you pave the way for a tyrant; if you put an elite in charge, you create an unfair aristocracy; and if you put a corporation in charge, you get a rent-seeking monopoly. If you put a central bank in charge, it will manage money supply to optimize the health of its own currency and balance sheet, not to the benefit of the individual saver or investor. A misaligned central bank may be incentivized to protect itself by devaluing your savings.

At the same time, we have open protocols in which participants of a network can inter-operate permissionlessly without a gatekeeper. The English language is an open protocol because it’s not owned by anybody (e.g. we don’t need the government’s approval to converse in English, or add a new word to the language). Parts of today’s internet are open protocols as well. Blockchains will allow open protocols in almost everything, where anyone can participate in all sorts of networks where no single entity is in charge. But unlike a pure democracy, these networks are not entirely flat - they are meritocracies. In the Bitcoin network, the more security you provide, the more bitcoin you’re paid, and the more say you have in the network’s governance. In the Ethereum network, you get paid in ether to verify computations. Blockchain-enabled systems are merit-based, peer-to-peer marketplaces that allow humans to continue to form valuable, efficient networks without relying on legacy gatekeepers.

Blockchain Technology Enables Financial Inclusion without Rent-Seeking Intermediaries

As a corollary to the last point, the technology now exists to have a financial network separate from the control of kings and central banks. Beyond this, crypto-assets also democratizes access to capital for financially neglected pockets of the world outside the Wall Street elite.

Without going into the technicals, blockchain technology combines software engineering, economics, behavioral psychology, and other fields to create an open, permisionless and distributed ledger that anyone in the world can access and audit from anywhere. The four main benefits of blockchain include i) judgment/censorship resistance, ii) decentralization/broad points of failure, ii) immutability, and iv) perhaps most important, trustlessness. The most game-changing aspect of crypto-assets is that it allows for the automated programming of incentives; and if you can program incentives, you can start programming human behavior — and ultimately remove the need for a trusted third party (“TTP”).

Take Bitcoin for instance. It is faster / cheaper to send, inherently deflationary, easier to store / divide and is a true non-correlated hedge. Unlike gold or the US dollar, it works on weekends, 24/7/365. It is judgment and censorship resistant — subject to no capital controls, bank restrictions, or asset freezes. It is trustless in that a TTP is not necessary to handle your assets, and in the sense that you do not have to trust a government to preserve value on your behalf (e.g. The Fed pumping trillions of dollars in the last recession to devalue the dollar, India decommissioning certain bills arbitrarily wiping out value, Venezuela’s hyperinflation).

Crypto-assets’ Large Addressable Market Results In an Investment with Asymmetric Upside

Blockchain’s total addressable market (TAM) includes all the disruptable markets dominated by TTPs, from insurance to gambling / prediction markets, to virtual real estate. We think that could be at least a third of global GDP ($80 trillion), plus a non-trivial amount of Global Wealth ($300 trillion).

If you buy the premise that BTC is better than gold (based on this article and related links above), perhaps the TAM in an ultimate bull case is global wealth, or around $400 trillion in 10 years. Imprecisely, if BTC takes just 2% of this TAM, it would have an $8 trillion cap, vs. the ~$150 billion it is now. If you have something that can potentially 50x, you must have 98% conviction that it’s not going to happen for you to not put money in.

Oftentimes, people look at investing in crypto-assets as this binary concept — do I invest given the asymmetric upside, or do I not invest because it’s vaporware that could go to zero? This is a false dilemma. The reconciler is simply a matter of sizing. One must ask themselves, is it worth putting a dollar into the space? The answer is undoubtedly “yes.” How about two dollars, three, four — and you go from there. We believe every well-balanced portfolio includes a crypto-asset allocation — and the only question is one of sizing.

Original Source https://ift.tt/2PEAgam

#IFTTT #Cryptocurrency and Bitcoin

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bobbynolanios88 · 6 years ago

Text

The Trade Of The Decade: Betting On Bitcoin

Bitcoin price action (01/01/2017 – 11/27/2018)Marto Capital Research

Bitcoin as a Macroeconomic Hedge and “Holy Grail” Portfolio Asset

Blockchain is Built on the Premise of Social Scalability

Blockchain Technology Enables Financial Inclusion without Rent-Seeking Intermediaries

Crypto-assets’ Large Addressable Market Results In an Investment with Asymmetric Upside

Original Source https://ift.tt/2PEAgam

#IFTTT #Cryptocurrency and Bitcoin

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mccartneynathxzw83 · 6 years ago

Text

The Trade Of The Decade: Betting On Bitcoin

Bitcoin price action (01/01/2017 – 11/27/2018)Marto Capital Research

Bitcoin as a Macroeconomic Hedge and “Holy Grail” Portfolio Asset

Blockchain is Built on the Premise of Social Scalability

Blockchain Technology Enables Financial Inclusion without Rent-Seeking Intermediaries

Crypto-assets’ Large Addressable Market Results In an Investment with Asymmetric Upside

Original Source https://ift.tt/2PEAgam

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courtneyvbrooks87 · 6 years ago

Text

The Trade Of The Decade: Betting On Bitcoin

Bitcoin price action (01/01/2017 – 11/27/2018)Marto Capital Research

Bitcoin as a Macroeconomic Hedge and “Holy Grail” Portfolio Asset

Blockchain is Built on the Premise of Social Scalability

Blockchain Technology Enables Financial Inclusion without Rent-Seeking Intermediaries

Crypto-assets’ Large Addressable Market Results In an Investment with Asymmetric Upside

Original Source https://ift.tt/2PEAgam

#IFTTT #Cryptocurrency and Bitcoin

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personalfn-blog · 6 years ago

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Is Mutual Fund Categorization Affecting Your Portfolio? Review It Now!

Rahil will turn 37 next month.

His mutual fund portfolio has matched that number already.

He has 37 mutual fund schemes in his investment portfolio.

About 12 years ago, he started investing in mutual funds and since then, he has been piling up his portfolio with New Fund Offers (NFOs) and star-rated schemes.

[Read: Why To Skip NFOs, And Instead Consider Building A Strategic Mutual Fund Portfolio ]

[Also read: Why You Should Stop Looking At Mutual Fund Star Ratings Now]

Being a seafarer who goes on voyages for 6-8 months, the only time he focuses on investments is when he’s back on home soil.

Unfortunately, his investment strategy is predominantly via a lump-sum and a meagre sum through Systematic Investment Plans (SIPs).

Because of his High-Net-worth Individual (HNI) status, investment advisers, bank relationship managers, and mutual fund distributors visit him often. And, he disappoints none.

He thinks, sometimes one has to go by the product recommendation of the advisors and the relationship managers just to maintain good relationships with them.

He feels it works for him, especially when he needs some help in banking and financial matters while he’s sailing.

[Read: Why Investing In Mutual Funds Through Banks Is A Bad Choice]

Despite he being a serious saver and a disciplined investor, his portfolio has performed miserably over the last 5-8 years.

More than half the schemes in his portfolio have underperformed their respective benchmark indices. And the rest too have marginally outperformed the peer schemes.

In 2017, the whole market jumped significantly, but his portfolio was marginally up. And since the start of 2018 until the end of June, mutual fund schemes in his portfolio plunged lower than the peer schemes.

[Read: Best Mutual Funds To Invest In 2018]

Rahil is slightly disturbed by the poor performance of his portfolio of late.

Recently, he read about the Securities and Exchange Board of India’s (SEBI’s) mutual fund re-categorisation norms and its effects on the mutual fund industry. He was shaken up.

The malpractices followed by mutual fund houses and their distribution channels to grow their Asset Under Management (AUM) also took him by surprise.

[Read: ICICI Pru Mutual Fund Tarakki Karega! – The Unethical Way?]

[Also read: Is India’s Largest Fund House Taking Investors For Granted?]

He has finally realised that the periodic portfolio review is extremely crucial for a mutual fund investor.

And this reminds us of the wisdom in an old adage: “A stitch in time saves nine”.

Before we understand why reviving an investment portfolio is important, let’s quickly look at how to build a mutual fund portfolio. Following these six points is crucial:

Identify your risk profile

Know your investment objectives and financial goals

Based on the above factors, chalk out your personalised asset allocation

Identify best and most suitable mutual fund schemes

Ensure your portfolio is well-diversified

Review your portfolio periodically

[Read:

Investing In Mutual Funds Can Help You Achieve Your Financial Goals

]

Now, let’s resume the discussion on the reviewing a portfolio and rebalancing it.

Portfolio rebalancing

Like regular health-check-ups help to diagnose some critical health concerns at an early stage, periodic portfolio review allows your investment to stay tuned with your financial goals and risk profile.

In simple words, rebalancing a portfolio is correcting the deviations in the original asset allocation.

For example, you invested 70% in equity, 20% in debt, and 10% in gold—after a year, equity accounts for 80% of the portfolio, and gold contributes 12%. At that time, reduce the exposure to equity and gold by shifting the allocation to debt so you can achieve the initial asset mix.

The buying and selling of mutual fund schemes should be carefully tuned to your risk profile, investment objectives which dovetail into your financial goals.

Rebalancing helps safeguard investments during a bad market phase; not only by booking gains but by also reducing the exposure to risky assets.

In investment planning, setting the asset allocation right and regularly rebalancing your portfolio, are important to ensure your long-term financial well-being.

[Read: Why You Seriously Need To Think About Investment Planning]

Here are 4 benefits of reviewing your mutual fund portfolio

Cull out the underperformers

This is the primary reason to review your mutual fund portfolio regularly. You do not want the portfolio returns to be dragged down by laggards. Hence, it is essential to identify such schemes early on.

Reinvest in better alternatives

Once the investments are redeemed from inefficient schemes, the proceeds need to be invested in the right schemes. This is when the best equity mutual fund or debt mutual fund must be identified backed by thorough research and keeping in mind your risk profile, investment objectives, and financial goals.

Consolidate the portfolio

Invest in just 4-5 schemes under each asset class to achieve your financial goals. Investing in too many schemes is not only unmanageable but could lead to inefficient returns. This is especially true in the case of investors like Rahil.

Ensures optimum diversification

Optimum diversification does not mean holding almost every mutual fund scheme that is available. Optimum diversification refers to holding a set of best and most suitable mutual fund schemes in your portfolio.

And when you invest in a few schemes, ensure that the underlying portfolio or investing styles do not overlap each other.

Creating a portfolio with a handful of worthy schemes isn’t an easy task. It requires thorough research. For investors like Rahil, it’s tough to spare time for this exercise.

How often should the investment portfolio be reviewed?

You need to review all investments, including mutual funds, at least once a year.

If analysing risk and return seems like Greek and Latin to you, it will be best to consult a qualified and ethical investment adviser.

Just as you avoid self-medication and consult a doctor first, it is best to approach an investment adviser before making changes in your portfolio.

To know if you are holding best and most suitable mutual fund schemes in your investment portfolio, avail of PersonalFN's Mutual Fund Portfolio Review service.

PersonalFN's ethical and unbiased investment advisers, who are effectively financial guardians, will comprehensively review your mutual fund portfolio. Your mutual fund portfolio will be revamped considering your needs and risk profile.

Do you want to own time-tested mutual fund portfolios with SOLID wealth creation potential?

If you wish to build a portfolio based on your risk profile and investment time horizon, PersonalFN’s FundSelect Plus is the answer!

PersonalFN’s FundSelect Plus was launched in 2007 and is a “ready portfolio advisor” for you.

We know selecting winning mutual fund is not easy for lay investors, particularly after the SEBI’s mutual fund re-categorisation norms. Many mutual fund schemes have been merged with another, or their risk profiles have undergone a substantial change, following SEBI’s mutual fund re-categorisation norms.

As a result, it’s quite possible that you might be holding mutual fund schemes that are not in line with your risk appetite or unsuitable to fulfil your financial goals.

PersonalFN’s FundSelect Plus will get you access to 7 High-Performing, Time-Tested Readymade Portfolios. Follow the portfolio that suits you best.

Our recommended portfolios have outperformed the markets by as much as over 80%! To know more, click here.

Subscribe to Fund Select Plus today! If you subscribe right now, you will get additional 3 months access absolutely free! And if you aren’t happy there’s a 30-day full money back guarantee.

Happy Investing!

Author: PersonalFN Content & Research Team

This post on " Is Mutual Fund Categorization Affecting Your Portfolio? Review It Now! " appeared first on "PersonalFN"

#MutualFunds #PortfolioReview #AssetAllocation #outperformingequityschemes #RiskProfile #FinancialPlan

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ethelbertpaul444-blog · 6 years ago

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