When scouting around for a life insurance company, there are few things you must think through before closing the contract. The most important service that every insurance company must provide is protection. After all, this is what insurance coverage is about – to protect the insured person and his beneficiaries from financial inconvenience should something untoward such as death happens to the policyholder. Here are the chief points that one should look for when availing of life insurance coverage.

Type of policy benefits
Make sure you read the fine-printed terms that accompany your insurance plan. Find out if your policy benefits are fixed, universal or flexible. Since each policyholder has different needs, choose a plan that allows adjustments to fit your future requirements.

Premium fees
Payment rates vary with different insurance companies. However the common bases in determining the fees for any type of life insurance are age, occupation, health and lifestyle.

More Perks
Most insurance plans come with perks or incentives such as retirement benefits, mutual fund benefits, estate planning and so on. Once again, more stable insurance agencies are the ones that provide additional services along with the existing policies of their clients.

Customer Support
This is one of the most important factors to be considered when buying an insurance policy. Make sure your insurance company will not leave you in midair after you have purchased a policy from them.

Prompt Awarding of Claims
What good is an insurance company if it cannot give the due payment to the beneficiaries at the time when they need it most? Delay in awarding of claims is a big no-no. Verify from your insurance agent if they can deliver the claims to your family at a given time frame.

It is not an easy task to rank and classify various whole life insurance companies. This is because each agency has its distinction, which is unique on its own. Nonetheless, here are top whole life insurance companies that have made an outstanding mark in the industry in the global scene with their total assets as primary consideration.

Japan Post Insurance
Based in Japan, this company is nearing its trillion U.S. dollar total assets as of the second quarter of 2011. Its market caps are not indicated but its assets are expected to grow more as economy in the Asian climate is facing good projections.

AXA of France
This insurance group is one of the biggest in Europe and enjoys a total asset of 945.571 billion U.S. dollars as of March 2011 and boasts of a market cap of 39.017 billion U.S. dollars by March 31, 2012.

Allianz in Germany
It might be surprising, but Germany is also one of the frontrunners in the insurance business. Its assets is indicated to have reached 830.804 billion U.S. dollars while its market cap as of March 31, 2012 is now 54.245 US$ billion.

MetLife in the U.S.
Not to be outdone by insurance companies in Asia and Europe, MetLife, which is based in the United States, enjoys its US$799.625 billion total assets as of 2011 and US$39.719 billion market cap as of 2012.

Nippon Life Insurance Company
This is another top company in Japan that has accumulated US$649.402 billion total assets which is indicative of its strength in the global insurance market.

Prudential Financial
Another US based agency, Prudential Financial is very much alive with its US$624.521 billion total assets and US$29 billion market cap in 2011 and 2012 respectively.

Zenkyoren (JA-Kyosairen) Japan
If the success of insurance companies is an indication that Japan enjoys a tiger economy, then this impression must be true as Zenkyoren is another top insurer in the list with total assets of US$581.492 billion in mid 2011.

American International Group (AIG)
Side by side with Japan, the US is likewise a huge pioneer in providing insurance services. AIG marked its total assets of US$555.773 billion and US$58.480 billion market cap in two successive years back in 2011 and 2012.

Generali Italy
Generali has been recorded to have total assets of US$547.924 billion and market cap of US$24.132 in the past two years, placing it among the other top contenders in the industry.

Legal & General
Another UK based insurance group, Legal & General has an estimated US$507.935 billion total assets and US$11,933 billion market cap in 2011 and 2012 successively. It is predicted to soar even higher in the next years to come as more Europeans are becoming more aware of the benefits of insurance protection.

These top 10 whole life insurance companies that are enumerated here are indeed among the best when their assets and market performance are considered. However it must not be forgotten too that there are other companies out there, which may be smaller but are just equally excellent.

They're not secrets. The more you know about how insurance works, the more you'll be able to save off your premiums. Follow these simple tips and you'll not only become a more informed consumer, but you'll have everything you need to know to maximise your savings.

1. Get a quote & apply online

Auto insurance coverage may be standard throughout your province, but insurance premiums are another story. Coverage from one company to the next can vary by hundreds, if not thousands of dollars. The only way to make sure you are getting the best base price for your policy is to compare, compare, compare.

2. Make sure all your cars are on the same policy

We offer a "Multi-vehicle discount" for customers who insure more than one car on the same policy. This can bring you savings of up to 10 per cent off both cars.

3. Insure both your car and home with the same company

Again, this will qualify you for a discount called the "Multi-line discount". We offer this savings as an incentive to get your property insurance business too. It's all perfectly legal and it's a great way to get another five per cent off your premiums.

4. Increase your deductibles

In a nutshell, the higher your deductibles, the lower your insurance premiums. Insurance was really meant to cover you for damages you could never afford on your own. If you can afford a $1,000 repair job, then raise your deductibles to $1,000 and pay less for your insurance.

5. Older car? Think about dropping your collision coverage

If your car is getting up there in age, you may want to think about dropping the collision coverage on your policy. You need to think about this one though - it's not always a clear-cut decision. You need to weigh the cost of the collision coverage with the value of your car and your chosen deductibles. For example, if you had a 10-year-old car that was worth about $1,000, and your deductible was $1,000, that collision coverage is not going to be worth a hoot.

6. Drive carefully

Your driving record is one of the most influential factors in determining your insurance rate. Tickets affect your insurance rates for up to three years and accidents stay on your record for at least six! With a bad driving record, you can find yourself paying a lot of extra premium over the years.

7. Drive a "low-risk" car

Insurance rates for cars are based on the previous claims history for that vehicle. The more likely a car is to be stolen or in an accident, the more you pay for insurance. If you are buying a new car, check with the Vehicle Information Centre of Canada or compare quotes to see how your dream-car rates. This may influence your purchase.

8. Don't drive to work

The more you are on the road, the higher your chances of getting in an accident. Insurance rates are higher for people who commute to work. So taking the bus or sharing a ride will not only help you save on parking and gas, but will help lower your insurance premiums.

9. New driver? Take a driver's training course

Licenced drivers who have completed an approved drivers training course in the last 3 years pay lower premiums. Safer drivers pay lower insurance rates.

10. Have an anti-theft device installed in your car

We recognise your car is less likely to be stolen if you have an anti-theft device installed in your vehicle. Check to see if your company offers this "Alarm or anti-theft discount" and consider if the price of the device is worth the added savings over the years. If you already have an approved, factory-installed alarm in your car, we will take this into account when determining your rate.

The Top 10 Most Expensive Keywords are:

Insurance, Loans, Mortgage, Attorney, Credit, Lawyer, Donate, Degree, Hosting, Claim

You’ll notice that these top ten most expensive AdWords keywords deal primarily with financing and industries that manage vast sums of money. The fact that the educational keyword “degree” is one of the top ten most expensive Google keywords, right up with lawyers and credit, reminds us of the growing cost of education. 

The next ten most expensive keywords complete our total list, resulting the top 20 most expensive AdWords keywords:

Conference Call, Trading, Software, Recovery, Transfer, Gas/Electricity, Classes, Rehab, Treatment, Cord Blood 

There you have it – the highest cost keywords. If you are considering entering into one of these industries, be ready to pay high cost per click rates for the top keywords. While some may start treatment facilities for the greater good, be aware that you’ll wind up in one of the most expensive niche groups, and your paid search marketing wallet will suffer from those high CPCs.

The most expensive SEM keywords may be frustrating for those in the industries, but they are the best keywords for Google, who makes 97% of revenue from advertising on Google sites (AdWords, AdSense). In the last four quarters, the biggest player of search engine history brought in $32.2 billion in total advertising revenue.

Artikel oleh: 1 Suara Sabah

Astro Awani |Oktober 06, 2013
KUALA LUMPUR: Sebuah portal popular, Jalopnik, menyenaraikan Malaysia sebagai negara kedua paling mahal untuk membeli kereta, di belakang Singapura dalam artikel bertajuk 10 Tempat Paling Mahal Untuk Beli Kereta (The 10 Most Expensive Places To Buy A Car).

Artikel yang diterbitkan pada bulan lepas, memuatkan keluhan rakyat Malaysia mengenai isu harga kereta terutama dikalangan rakyat biasa.

Kini, dengan harga minyak yang meningkat, isu tersebut kembali mendapat perhatian.

Satu kajiselidik di laman web pengeluar kereta terkemuka mendedahkan bahawa rakyat Malaysia membayar sehingga dua kali apa yang pengguna Amerika bayar untuk kereta yang sama di Amerika.

Malah, di kalangan rakan-rakan mereka di Asean, terutamanya Thailand, harga kereta di Malaysia adalah tinggi.

Pinjaman kereta di negara ini boleh dibuat sehingga sembilan tahun. Satu tempoh yang membolehkan memiliki kereta dengan lebih murah, tetapi dalam masa sama ia juga membawa kepada hutang isi rumah yang lebih tinggi.

Laporan yang dikeluarkan oleh Maybank Investment Bank Research pada akhir Mei lepas menyatakan pinjaman kenderaan menyumbang sehingga 18 peratus daripada jumlah hutang isi rumah.

Ketika menlancarkan Manifesto Barisan Nasional (BN) bertajuk 'Menepati Janji Membawa Harapan' April lalu, pengerusinya, Datuk Seri Najib Tun Razak berjanji untuk menyemak semula Dasar Automotif Nasional bagi mengurangkan harga kereta secara berperingkat antara 20 hingga 30 peratus dalam tempoh lima tahun serta meningkatkan daya saing kereta nasional.

Presiden Persatuan Automotif Malaysia (MAA) Datuk Aishah Ahmad berkata pihaknya telah mencadangkan banyak kali kepada kerajaan supaya duti diturunkan secara beransur-ansur bagi mengurangkan beban pemilikan kenderaan kepada pengguna biasa.

"Kami merasakan dengan kos pemilikan kenderaan yang lebih rendah, pengguna akan mempunyai pendapatan boleh guna tambahan untuk berbelanja pada barang-barang lain, yang akan memberi manfaat kepada ekonomi negara.

"Kami, bagaimanapun, ambil perhatian bahawa kos penyelenggaraan kenderaan di Malaysia masih kompetitif berbanding

dengan negara-negara Asean yang lain, dengan subsidi bahan api dan cukai jalan yang lebih rendah," katanya.

Ketua Pegawai Esekutif Persatuan Pengguna Malaysia (Fomca), Datuk Paul Selvaraj yang berpendapat ini adalah masa yang terbaik untuk kerajaan menurunkan harga kereta terutamanya selepas pengurangan subsidi petrol baru-baru ini.

"Kita ingin memulakan merasionalkan subsidi dan memperkenalkan Cukai Barangan dan Perkhidmatan (GST). Kita ingin memaklumkan harga pasaran menentukan harga petrol, tetapi pada masa yang sama kita tidak mahu menjual kereta pada harga yang ditentukan oleh pasaran.

"Pada masa lalu , kita bersetuju dengan dasar perlindungan tetapi berapa lama ia akan bertahan? Kita perlu untuk meliberalisasikan harga," kata Selvaraj seperti dilaporkan akhbar New Sunday Times.

Selvaraj berkata di negara-negara maju walaupun harga kereta lebih murah berbanding dengan Malaysia. "Jepun dan United Kingdom mempunyai kereta lebih murah daripada kita. Kenapa kita mesti membayar lebih untuk kereta kita? "

Ketua Ekonomi Kumpulan di Ratings Agency Malaysia Berhad, Dr Yeah Kim Leng, bersetuju dengan pandangan bahawa harga kereta perlu diturunkan.

Dr Yeah berkata kereta adalah salah satu daripada dua perkara. selain rumah, yang mana Rakyat Malaysia perlu membayar lebih, dan keduanya mengambil sebahagian daripada pendapatan boleh guna rakyat Malaysia.

"Ini adalah faktor utama yang menyumbang kepada tahap hutang isi rumah yang tinggi ," kata Yeah.


Yeah berkata dalam suasana kos bahan api yang semakin meningkat, mengurangkan harga kereta akan membuat ia lebih mampu dimilik oleh rakyat Malaysia.

"Jika anda mahu untuk mengurangkan kos keseluruhan hidup, salah satu cara adalah dengan menurunkan harga kereta. Ia akan meningkatkan kebajikan pengguna apabila harga kereta dan rumah yang lebih murah, yang merupakan dua perkara besar dalam bajet isi rumah.

Katanya, pada awal 1980an, ketika baru memulakan industri kereta, kerajaan mempunyai dasar melindungi kereta nasional dengan menaikan cukai kereta import.

Namun kata Dr Yeah, perlindungan seperti itu sudah tidak lagi sesuai untuk terus dilaksanakan.

Pandangan berbeza diberikan oleh Pengarang majalah automatif Top Gear Malaysia, Hazeri Samsuri yang berkata rakyat Malaysia lebih suka mengkritik kerajaan berkenaan harga kereta tetapi tidak melakukan perkara yang sama terhadap pengeluar kereta.

"Kereta di Asean adalah lebih mahal daripada di Eropah dan Amerika. Alasan yang sering diberikan adalah jumlah; Asean adalah satu pasaran baru muncul.

"Kereta juga dianggap barangan mewah di negara-negara dan pengguna sanggup membayar 'jenama premium'," kata Hazeri.

Menurut Hazeri, harga kereta tetap mahal tetap akan mahal biarpun cukai dikurangkan.

Bagi Ketua Esekutif Institut Automotif Malaysia, M.Madani pula menegaskan harga kereta di Malaysia adalah antara yang berdaya saing di rantau ini.

Madani juga menjelaskan bahawa tidak ada hubungan langsung antara Keluaran Dalam negara Kasar (KDNK) dan harga kereta.

Katanya, harga kereta bergantung kepada kuasa pasaran dan struktur cukai negara.

"Walaupun kebanyakan orang cenderung untuk melihat struktur cukai sebagai penentu dominan harga kereta, ini tidak semestinya benar. Kita ambil Thailand dan Indonesia sebagai contoh. Kedua-dua negara mempunyai cukai yang agak sama dan ini adalah benar terutamanya untuk kereta yang lebih rendah segmen di bawah 1,500 cc.

"Walau bagaimanapun, harga di Thailand jauh lebih rendah daripada Indonesia. Malah, harga kereta di Indonesia adalah agak setanding dengan orang-orang di Malaysia. Walaupun begitu, terdapat persepsi umum bahawa struktur cukai di Malaysia adalah antara yang tertinggi di rantau ini," kata Madani.

Kata Madani, untuk mengurangkan harga kereta, kerajaan perlu mengambil kira banyak faktor termasuk impak semasa ke atas pemilik kereta, industri kereta terpakai, institusi kewangan, kesediaan infrastruktur dan kesediaan seperti sama ada infrastruktur sedia ada adalah mencukupi untuk menanggung lebih banyak kereta di jalan raya, dan lain-lain

The other day my friend and I we talk about Insurance. His idea of guide to life insurance. I am not 100% agree to his idea.   

His simple guide to life insurance.

Life insurance is an insurance. It is used to protect against of the risk of lost of income. For example, let's say A is the bread winner of the family. If something happen to A ( for example die in an accident), you will not longer have income from A. The family still need to survive. Life insurance can provide/replace some portion of the income so that the family still can survive. In some circumstances, A will suffer some form of disability and can no longer work, life insurance provide some compensation to help the family to survive too. Please noted that in Malaysia, the protection against disability is limited to what is specified in the policy. In advanced countries like USA, they have disability insurance that pays as long as you cannot work regardless whatever the cause is. This kind of disability insurance does not exist in Malaysia. In summary, life insurance is used to protect against the loss of income and disability.

So, does life insurance makes sense to you??

1) Do you have dependents?

A) If you are single and have no dependent, it really does not make much sense to buy life insurance.

B) If something happen to me, I would like to leave something for my parents. Is your parent depend on your income for survival?? If answer is no, why buy life insurance?? If you want leave something for your

parent, why not give your parent the money now?? Save the money from insurance premium and give to your parent now every month.

2) If you are home maker and makes no income, why buy life insurance??

3) If you are married and your family depend on you to provide income, in general, you should buy life insurance.

4) However, it may NOT be worthwhile for you to buy life insurance if you have a lot of savings (more than 200K). In general, life insurance in Malaysia get very expensive for payment greater than 200K.

All my comments does not necessary apply to medical insurance. Do your own research to find out what is right for you. If your insurance agent cannot explain to you why you should buy life insurance, why are you buying??

The very complicated and complex thing about insurance in Malaysia is that we do not have pure term life insurance. All insurance product in Malaysia is normally a combination of life insurance, disability protection and medical protection. In most cases, unless your insurance agent is good and you do a lot of research, you really have little or no idea what you are buying. I am not qualify to tell you what you should buy and how much to buy in each circumstances.

The bottom line is you need to know is

1) what are you protect against??

Life, disability, medical

2) What is the likelihood for each risk at your age??

3) What is the cost for each option??

4) What is the maximum pay and deductible in each situation??

Insurance is used to protect against the situation where you do not have enough resources to cover. You need to buy just enough so that when the bad thing happen, you are covered. Buy, you should NOT buy so much that it costs too much to you.

Do you know that nearly 90% of Malaysians are clueless on the types of policies they have bought over the years. They have been paying for the policies with assumption that it will pay them in full no matter what their claims are without understanding the underlying limitations! And most of them not even know what are they paying for. Common reason of Malaysian buying policies is mainly because the agent is their friends, family etc. and some even bought the policy based on the branding and marketing "claims" that it's the No.1 insurance company in Malaysia. Please be noted that branding of the insurance company won't help you at all! What matters the most is in your policy documents! Most people won't even bother to read the term and condition clearly but just blindly listen to the agent! Different medical plans in Malaysia have different limitation! There's no such thing as all medical insurance are the same!!

If you already have policies, please get them reviewed and I promise you will get the shock of your life!!! Make a choice to understand the limitations of your policies before its too late! Don't just sit and get quotation thru email for comparison in premium cost and investment return but sit down with financial advisor who can help you and assist you in choosing the best medical plan based on your needs, budget and how to avoid costly mistakes.

The most crucial aspect of claiming is what documented in your policy document, you need to understand the fine prints, black and white! You need to know how to avoid and save yourself from burning ship before its too late! Because health changes overnight!!!

An experienced agent would have done many hospitalisation claims for his/her clients over the years. Through the experience, one can tell what it gonna work for you & what can be the biggest financial cost of your life!! 

If you have a choice to choose:

1. Which one is the smarter choice?

A) Company A pays 90% of your Medical Bills- 10% Co Insurance borne by policy holder

B) Company B pays 100% of your Medical Bills fully

2) Are you aware of the difference between Inpatient Hospitalization & Outpatient Treatment in your policy? Why is it separated in your Medical Schedule of Benefits?

3) What are the limitations in your policy Vs the Actual Cost of Hospital Bills in Malaysia

Actuaries are highly trained individuals with such intelligence to determine the risk factor before getting a plan approved by Bank Negara. Do not just take the word of an agent verbally, but always look at the fine prints black&white, and the Cost of Insurance chart in the policy documents- understand the pros and cons clearly before you make any Costly Mistakes especially during Hospital Claim!

**Please take note- this is mainly to create awareness for Malaysians to Make A Smart decision before its too late!!

PADA 5 JULAI 2013, Bank Negara menguatkuasakan peraturan baru menghadkan: (i) pinjaman peribadi setakat 10 tahun maksimum (dahulu 25 tahun); pinjaman hartanah dan rumah 35 tahun (dahulu 45 tahun), dan (iii) tidak membenarkan lagi pinjaman pra kelayakan.

Alasan yang diberikan Bank Negara adalah untuk menangani kenaikan hutang isirumah yang meningkat dari RM465.2 bilion pada tahun 2008 kepada RM754.6 bilion pada pertengahan tahun 2013. Dengan harga rumah mahal, harga kereta mahal dan kos hidup yang mahal, rakyat Malaysia adalah ‘juara’ dalam membuat hutang, iaitu hutang isirumah kita adalah 140% berbanding dengan pendapatan, Singapura 105%, Amerika 123%, Korea 101%, Thailand 53% dan Indonesia 38%. 

Akibat hutang yang banyak ini, kadar individu yang diisytiharkan bankrap pada tahun 2012 ialah 19,575 ataupun 53 orang sehari dalam setahun, di mana 50% adalah dari golongan berumur 25-44 tahun. Jumlah individu yang bankrap dari tahun 2007 sehingga 2013 adalah 245,000 orang yang mana faktor utamanya adalah disebabkan oleh kegagalan untuk membayar pinjaman (hutang). 

Persoalannya, kenapa hutang rakyat kita tinggi? Menurut data Bank Negara, 64% pinjaman yang dibuat oleh isirumah adalah dari pinjaman perumahan dan kereta sahaja. Pinjaman peribadi jatuh ke tempat ketiga paling banyak. 

Pertanyaannya, mengapa harga rumah mahal sehingga boleh membuatkan kita terhutang sampai ke tua? Bila rakyat bertanya hal ini, jawapan pemaju mudah sahaja, iaitu kerana barang kos pembinaan seperti simen, pasir, batu-bata dan seribu satu macam perkara lain lagi naik harga. Bagi ahli ekonomi, mereka menjawab kerana permintaan melebihi penawaran. 

Saya pun hairan kenapa kerajaan tidak boleh mengawal harga rumah ini? Apakah payahnya sangat untuk kerajaan menetapkan harga rumah mampu milik kepada rakyat, iaitu rumah yang boleh dibeli oleh golongan berpendapatan sederhana yang harganya dalam lingkungan RM100-RM200 ribu sahaja.

Ini kerana saya lihat harga rumah yang ditetapkan oleh pemaju sekarang sudah di luar dari istilah rumah mampu bilik. Bayangkan bagaimana seorang yang baru bekerja boleh memiliki rumah jika harga rumah dua tingkat di Bandar Baru Bangi dengan keluasan 20”X70” pun sudah mencecah RM500 ribu. Bayangkan harga rumah kondominium di Bangsar yang seluas 2,000 kaki (185 meter) persegi dijual pada harga RM2.4 juta seunit dan harga sebuah rumah semi-D di Sri Hartamas berharga RM1.5 juta. Siapakah yang mampu membelinya?

Bayangkan pula kalau ada hutang kereta, anak kecil 3 orang, kena beli lampin anak, bayar orang gaji, kad kredit, pakaian, persekolahan, minyak kereta dll, maka apa lagi yang tinggal? Bagaimana mungkin mampu untuk membeli rumah semahal ini jika pendapatan suami isteri hanya RM5 ribu sebulan sahaja dengan bayaran yang ditetapkan dalam masa 35 tahun. Jika suami isteri berpandapatan RM5 ribu pun tidak mampu, bagaimana bagi mereka yang berpendapatan lebih rendah dari itu?

Saya cukup risau dengan harga rumah yang tidak terkawal dan over priced ini. Sekarang ini pun dengan gaji RM6 ribu sebulan, belum tentu dapat membeli rumah yang berharga RM400 ribu. Andaikan si pembeli meminjam RM400 ribu sahaja daripada bank dengan purata kadar faedah enam peratus setahun, peminjam perlu membayar ansuran bulanan sebanyak kira-kira RM2,400 selama 30 tahun. Ini bermakna peminjam yang membeli rumah teres pada usia 30 tahun hanya akan habis membayar hutang pada usia 60 tahun. Persoalannya, berapa ramaikah rakyat kita memiliki pendapatan RM6 ribu sebulan sekarang?

Apabila melihat kepada masalah harga rumah yang semakin ‘tidak masuk akal’ sekarang ini, saya terpanggil untuk membincangkan masalah ini. Saya sedih melihat nasib rakyat yang terhimpit dengan masalah ini kerana biarpun sudah berumur 45 tahun dan berkelulusan universiti, sehingga sekarang pun masih ‘menyewa’ lagi. Itu belum lagi mengambil kira mereka yang bekerja di bawah dari tahap gaji pegawai yang berkelulusan universiti.

Atas masalah harga rumah yang tinggi ini, saya mencadangkan kepada pihak kerajaan supaya mengambil tindakan berikut:

i. Turunkan kadar faedah daripada 4% kepada 2% sahaja untuk pinjaman kerajaan dan dari 6% kepada 3% sahaja untuk pinjaman bank bagi rumah pertama. Ambil perhatian kerajaan Kelantan tidak mengenakan faedah kepada kakitangan awamnya dan Public Bank hanya mengenakan kadar faedah sebanyak 1% sahaja kepada kakitangannya.

ii. Naikkan elaun perumahan untuk kumpulan sokongan dari RM180 sebulan kepada jumlah yang lebih wajar. Di Kuala Lumpur, sewa sebilik pun sudah RM250-500 sebulan. Bagi pekerja swasta pula, kerajaan perlu mewajibkan syarikat membayar elaun perumahan kepada pekerjanya campur dengan gaji minimum yang baru diwajibkan.

iii. Kerajaan sendiri membina lebih banyak rumah sesuai dengan permintaan dengan tidak lagi menyerahkannya kepada pemaju swasta. Sekiranya syarikat swasta mahu juga membinanya, kerajaan perlu meminda akta supaya segala pembangunan perumahan yang dilakukan oleh syarikat swasta hendaklah mengikut syarat-syarat ketat harga yang ditetapkan kerajaan supaya harga menjadi terkawal dan tidak lagi melampau.

iv. Menteri Perumahan yang baru sepatutnya merangka mekanisme untuk menurunkan harga rumah sama ada dengan mengurangkan kos pembinaan dan lain-lain tindakan yang wajar.

v. Jika harga rumah mahal disebabkan oleh harga tanah, maka kerajaan hendaklah menetapkan harga siling bagi setiap kaki persegi tanah kerana tanah adalah milik kerajaan yang boleh dikawal.

vi. Jika harga tanah di bandar mahal untuk membangunkan perumahan, maka binalah apartment ‘layak duduk’ yang sesuai untuk golongan berpendapatan rendah. Mereka tetap perlu disediakan rumah kerana itu adalah keperluan asas manusia yang perlu disediakan oleh kerajaan untuk rakyatnya. Jangan pula cari alasan ‘kalau ayam mahal jangan makan ayam’, atau ‘kalau rumah di bandar, mahal sewa atau belilah rumah di kampung’. 

Saya yakin jika kerajaan boleh membuat pelbagai program seperti Hari Sukan, Hari Wanita dan Hari Belia dengan kos yang berjuta, tentunya tidak sukar bagi kerajaan untuk mengambil langkah lebih adil bagi menyediakan perumahan kepada rakyat ini.

Mengingatkan tentang hutang rakyat kita yang terlalu tinggi dan ramai lagi dari kalangan mereka yang masih belum mempunyai rumah sendiri, hati saya mengeluh. Semoganya tidak lagi selepas ini.