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Originally posted by shahgti at 6-8-2007 03:33 PM 
...2. Jgn ambil insurance yg mahal spt life insurance. Ambil TERMinsurance & invest the rest. Apa dia TERM insurance? Term insuranceialah mcm insuran kelompok/khairat iaitu insuran yg kita bayar pd kadarkira2 RM30 sebulan tetapi cukup utk cover belanja penyakitkritikal/kemalangan. Duit RM30 sebulan tu kita tak akan dpt balik &understood...
Aku setuju dgn cara jimat-menjimat tu..save first, spend later..
Tapi ada pembetulan sket..
keyword 'term insurance & invest the rest' is refering to Investment-link policy...(pls refer to the Book - Total Financial Planning written by Dr Reevany , Sam Leong CFP)
with RM30 policy, how much worth is the sum coverage?
[ Last edited by jenglut at 7-8-2007 01:33 PM ] |
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Regarding the MRTA for the house..lacking on Critical Illness rider as it only cover all kinda of death including suicide (must b >365days) & Total Permenant Disability - Lost of any 2 combination limbs (Eyes, Legs or Hands) ..n it's not transferable..
lg satu no income tax redeem..
get term life insured if u buying property for temporary purpose
most ppl took MRTA bcoz can finance maa..(Subject to max 5% extra financing & also subject to income sustainable)
[ Last edited by jenglut at 7-8-2007 01:31 PM ] |
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yang penting kenalah berjimat cermat...itulah kunci sebenarnya utk hidup kaya...rasana azizi pun ada mentioned pasal benda nie... |
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Originally posted by yays at 9-7-2007 05:42 PM
err... ada sesapa penah dengar atau masuk dalam program aziz ibrahim - OD/ASB?
dengarnya boleh capai financial freedom cepat dengan kaedah dia tuh.. tapi hasil nanti kena bagi dia 3 %...
aku penah dengar dan sedang mengikuti aziz nie.. mmg dia amik 3%.... tapi sebab nak ilmu dia aku redah gak...
bagi dia... GAJI kita cuma untuk saving dan belanja makan.... ASSET dan hutang pulak semua bank bayarkan utk kita... |
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cari buku nie... |
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Originally posted by kipas_y2k at 8-8-2007 03:42 PM 
http://i87.photobucket.com/albums/k149/edaroslan/aziz.jpg
cari buku nie...
Best ke highway tu? berapa tolnye? kat mane leh dapat? |
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Originally posted by kipas_y2k at 8-8-2007 11:15 AM
aku penah dengar dan sedang mengikuti aziz nie.. mmg dia amik 3%.... tapi sebab nak ilmu dia aku redah gak...
bagi dia... GAJI kita cuma untuk saving dan belanja makan.... ASSET dan hutang ...
ooo... kipas dah ikut program dia yek?
berjaya tak kipas? saya gusar ler.. sebab selepas pertemuan pertama (dah melayang duit aku 850... huk! huk!)
then balik tuh saya calculate semula dalam excel, tengok-tengok OD tu akan abes dalam masa tak sampai satu tahun. bila dah abes OD tu kita nak bua macamana ye? |
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Originally posted by kayangmai at 8-8-2007 03:48 PM
Best ke highway tu? berapa tolnye? kat mane leh dapat?
memang besh kayangmai.. macam program dari kayangan gitu.. ala-ala too good to be true gitu..
bab tol tu memang ler rasanya agak mahal bagi orang tak banyak duit macam aku ni ha..
tapi kalau memang betul berbaloi tak ape lah.. tapi kalau tak menjadik mau aku nak sekeh-sekeh si owner highway tu rasanye! |
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Reply #188 yays's post
zaman aku pi 650 lagi hehehehe....
OD mmg akan abis kalau tak ikut 5 sesi dia sampai abis dia gerenti kita lingkup... tapi ada cara lain dia gunakan.. cth macam sesi pertama ko jumpa dia... pasti ada kejutan.. sesi kedua pun pasti ada kejutan lain... Masalahnya aziz nie... dia takkan citer abis... setiap sesi perjumpaan tu mesti ada something yg kita tak tau... dia kasi tau sampai abis.. ( yelah nama pun bisnes)
dalam banyak banyak sesi tu sesi perjumpaan ke 3, 4, 5 paling penting... kat situ dia akan ajar cara mengisi OD semula... |
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Originally posted by kipas_y2k at 9-8-2007 04:40 PM
zaman aku pi 650 lagi hehehehe....
OD mmg akan abis kalau tak ikut 5 sesi dia sampai abis dia gerenti kitalingkup... tapi ada cara lain dia gunakan.. cth macam sesi pertama kojumpa dia... ...
OD tu apaaa aaaaa..... |
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Originally posted by kipas_y2k at 9-8-2007 04:40 PM
zaman aku pi 650 lagi hehehehe....
OD mmg akan abis kalau tak ikut 5 sesi dia sampai abis dia gerenti kita lingkup... tapi ada cara lain dia gunakan.. cth macam sesi pertama ko jumpa dia... ...
sekali sesi consult RM650 ke..?
mean kalo 5 session = 5 x 650...gitu?
Kalo org tak de utang bole ke sesaje gatai nak follow step OD ni..?
OD = Over Draft bank kan..? |
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Originally posted by kayangmai at 9-8-2007 09:16 PM
OD tu apaaa aaaaa.....
betul la tuh... OD tu overdraft |
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Originally posted by koko2 at 10-8-2007 07:24 AM
sekali sesi consult RM650 ke..?
mean kalo 5 session = 5 x 650...gitu?
Kalo org tak de utang bole ke sesaje gatai nak follow step OD ni..?
OD = Over Draft bank kan..?
aku cadangkan ko koko supaya mendalami dulu konsep od tu sebelum sesaje gatai nak follow step OD..  |
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Reply #193 koko2's post
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consultation fee RM650 reasonable la tu utk jumpa FP..otherwise FP tak leh carik mkn jd penceramah bebas aje.. |
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macam menarik..apa benda tuh sebenarnya?
camna plak hutang bank tolong bayarkan? |
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Nak tanya , utk credit card Citibank ready cash and Al-rajhi card ni bagus ke pakai untuk topup Overdraft . Atau ada credit card lain yg lebih baik |
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Reply #192 kayangmai's post
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Reply #193 koko2's post
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hanya 1 sesi jer kena bayar RM650... sesi lain takder ler sebanyak tu... |
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Category: Belia & Informasi
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Post time 7-8-2007 12:46 PM
Author
