Save Your Money With Green Living Tips

Whether it's making it, saving it, or generally managing it, we've got lots of articles on green money.
A healthy, money-smart and sustainable lifestyle begins at home. Making money while saving the planet is a serious win-win scenario. When it comes to protecting the ecosystems on which we all depend, there are things you can do yourself and there are things that are best done by certain groups and organizations.


In your home


1 If you have central air conditioning, do not close vents in unused rooms.
2 Turn down or shut off your water heater when you will be away for extended periods.
3 Turn off unneeded lights even when leaving a room for a short time.
4 Check and fix any water leaks.
5 Unplug seldom used appliances.
6 Wash clothes with warm or cold water instead of hot.
7 Turn off lights, computers and other appliances when not in use.
8 Only use electric appliances when you need them.
9 Use compact fluorescent light bulbs (or LED) to save money and energy.
10 Plant trees to shade your home.
11 Shade outside air conditioning units by trees or other means.
12 Replace old toilets with new ones that use a lot less water.
13 Connect your outdoor lights to a timer.
14 Buy green electricity - electricity produced by low - or even zero-pollution facilities.
15 Use cloth napkins instead of paper ones.
16 Shop with a canvas bag instead of using paper and plastic bags
17 Buy rechargeable batteries for devices used frequently.


In your office

1 Copy and print on both sides of paper.
2 Reuse items like envelopes, folders and paper clips.
3 Use mailer sheets for interoffice mail instead of an envelope.
4 Set up a bulletin board for memos instead of sending a copy to each employee.
5 Use e-mail instead of paper correspondence.
6 Use recycled paper.
7 Use discarded paper for scrap paper.
8 Encourage your school and/or company to print documents with soy-based inks, which are less toxic.
9 Use a ceramic coffee mug instead of a disposable cup.





Think and start one by one. Green living tips will help you to spend healthy and wealthy life forever... Good Luck!

Website: www.greenifinancial.com
Email: greenifintech@gmail.com
Tel. : +603-89120293 / 010-2174860
Fax : +603-89203870

How To Save Money Every Month

Saving money is one of those tasks that's so much easier said than done.If you want to effectively save money every month you need to set a goal and have obtainable ways to do so. Setting goals really helps motivate us toward reaching a goal and everyone has something they could save for. How much money will you save, where will you put it, and how can you make sure it stays there? Here's how to set realistic goals, keep your spending in check, and get the most for your money.

• Develop a realistic budget. Don't just estimate what your costs are. Take a month to write down every cent you spend from your house payment to your morning cup of coffee. Once you have set up a realistic budget to live on, then you can begin to set up a realistic goal to save money each month.

• Wait before you buy. In order to break the habit of wasting money on impulse purchases, impose a waiting period on yourself. Wait for a month, and if you still really want that item, then buy it if you have the money.

• Put a limit on how much you will spend each month on things such as entertainment or morning stops at the coffee shop. Use cash and divide money that you have allocated for Starbucks or entertainment into envelopes. Once your envelope is empty there are no more dinners out or morning lattes. This allows you to continue to have access to the things you enjoy but stops you from overindulging by setting limits.

• Have money automatically deducted from your paychecks. It's an easy way to save money each month. If you don't see it, you don't miss it.

• Look into making lifestyle changes that will help you save money each month. Take public transportation, quit smoking or buy some necessary items at thrift stores or consignment shops to save a little money each month.

Always increase your savings at a pace faster than your income increment. This would enable greater and faster wealth accumulation that contributes to your future.

Whether you’re saving for retirement or planning for other important goals, GiFT can help.

Do contact us

Website: www.greenifinancial.com

Email: greenifintech@gmail.com

Tel. : +603-89120293 / 010-2174860

Fax : +603-89203870

Kepentingan Penulisan Wasiat

RAMAI terkejut apabila dilaporkan bahawa nilai harta pusaka umat Islam di negara ini terpaksa dibekukan sejak sekian lama, dianggar mencecah RM42 bilion iaitu suatu jumlah cukup besar sekiranya ia dapat dimanfaatkan sepenuhnya dalam pembangunan umat Islam di negara ini.

Peninggalan harta si mati yang terpaksa dibekukan ini adalah kerana ketiadaan penuntut yang berhak atau waris yang layak dan sah berikutan kegagalan diselesaikan pewaris apabila berlaku kematian di samping masalah teknikal dan birokrasi melibatkan undang-undang serta pewarisan. Isu ini saban tahun dibangkitkan dan jumlah harta dibeku berkenaan semakin bertambah dari semasa ke semasa serta nilainya juga terus meningkat.

Masalah yang kian serius dan kronik ini berlaku ekoran faktor penyumbang yang antaranya ialah ketiadaan penyediaan wasiat yang sebenarnya merupakan satu instrumen pengurusan dan pentadbiran harta dalam Islam yang kurang difahami, dihayati serta gagal direalisasikan oleh umat Islam hari ini membabitkan harta benda.

Ini kemungkinan besar kurangnya kesedaran terhadap penulisan wasiat ketika masih hidup serta sikap sambil lewa sebahagian besar masyarakat Islam terhadap pengurusan harta kekayaan mereka dan kadangkala isu wasiat juga menjadi topik yang cukup sensitif bagi sesetengah orang kerana ia berkait rapat dengan kematian, keretakan institusi kekeluargaan dan perebutan harta di kalangan saudara mara.

Terdapat beberapa kelebihan sekiranya kita membuat persediaan awal menyediakan wasiat sebagai suatu proses pengurusan dan pentadbiran aset di bawah kawalan dan milikan kita. Ini kerana ia dapat diselenggarakan dengan baik, efisien dan profesional dengan kos minima.

Wasiat kita dapat diurus dan ditadbir oleh orang yang bertauliah seperti ejen wasiat yang mempunyai kelayakan dalam mengendalikan segala urusan berkenaan wasiat merangkumi aspek dokumentasi, penyimpanan, pengurusan, pemeliharaan dan sehingga kepada urusan pelaksanaan wasiat itu sekiranya berlaku kematian.

Proses tuntutan harta pusaka juga menjadi lebih cepat, mudah dan lancar dengan adanya wasiat yang sah dan ini sudah tentu dapat mengelakkan berlakunya pergaduhan, perselisihan dan perebutan harta di kalangan waris yang berhak di kemudian hari.

Kebiasaannya aset yang dilaporkan terpaksa dibekukan ekoran tidak dituntut pewaris yang berhak meliputi wang simpanan di Kumpulan Wang Simpanan Pekerja (KWSP), simpanan di koperasi dan bank, kenderaan, hartanah seperti rumah dan bangunan, simpanan unit amanah, insurans dan takaful, pelaburan saham syarikat, saham amanah, harta intelektual, royalti dan banyak lagi.

Sekiranya keadaan ini tidak diberi perhatian sewajarnya, ia akan memberi impak negatif kepada perkembangan ekonomi negara kerana aset tersebut beku dan tidak dapat dimajukan.

Hubungi kami untuk pertanyaan lanjut:


Website: www.greenifinancial.com
Email: greenifintech@gmail.com
Tel. : +603-89120293 / 010-2174860
Fax : +603-89203870

Retirement Plan

Website: www.greenifinancial.com

Email: greenifintech@gmail.com

Tel. : +603-89120293 / 010-2174860

Fax : +603-89203870