Simpanan Wang

Nisda_ · Post time 8-5-2008 04:19 PM

yang part joli tu......skrg haku dah joli sakan

,
malas nak tunggu umur 40

style haku lain, simpan sampai berjoli sejalan dan seiring

mantan · Post time 8-5-2008 08:30 PM

koko,
nak joli jgn lupa aku

quedac1 · Post time 9-5-2008 02:54 AM

Korang nyer planning baguslah .... terkesima nengok plan sensorang ....

ungu_violet191 · Post time 9-5-2008 12:44 PM

aku budget sekurang2nya 700 simpan dlm tbg hj..sbb utama pilih tbg hj dia dh byrkan zakat utk kita, kalu asb rsnyer x kot..

iena_kindaichi · Post time 9-5-2008 01:57 PM

haku nak join bleh...??

iena_kindaichi · Post time 9-5-2008 02:01 PM

Originally posted by iena_kindaichi at 5-5-2008 05:42 PM
hmmm cara aku saving mmg kritikal + extreme sekalik....haku takder kete...dok ngan family...so bulan-bulan ....

la nie dah 26 thn.... dah buat since tahun 2006....
salary nett = RM 2500 (Alh ...

hmm dalam banks tuh termasuk gak tabung haji....

remizati · Post time 9-5-2008 06:43 PM

mendap ker page niehh......................................................

mantan · Post time 10-5-2008 07:02 AM

Originally posted by iena_kindaichi at 9-5-2008 01:57 PM
haku nak join bleh...??

boleh jek..the more the meriah keri gitu

lonely_surina · Post time 10-5-2008 11:04 AM

Originally posted by masnina at 7-5-2008 07:58 PM

thanks.. i keje kat putrajaya. ok dun wory pasti akan share kat sini

berulang dari umah hari2 ke?

ugut jgn tak ugut boss bile dah confirm... selalu boss akan tunaikan jugak tambah2 kalo kite perform... nak amik staff baru lagi sakit jiwa, nak kena train semua

lonely_surina · Post time 10-5-2008 11:05 AM

Originally posted by mantan at 10-5-2008 07:02 AM

boleh jek..the more the meriah keri gitu

betul tu

MACD · Post time 10-5-2008 03:35 PM

Originally posted by budakjawa at 20-4-2008 11:39 PM
enche amad .. tanya sket bley aaa ..
lu ada hutang ptptn
lu bayaq sikit .. tapi ribaq 3% setahun (tetiap tahun hutang makin meningkat)
lu simpan asb banyak .. faedah / dividen 8 % setahun

soalan :
apa alasan tak tutup hutang ptptn dgn cepat ?
sedang simpanan lebih banyak dari hutang ?
pd pendapat gua la kan ... gua utamakan tutup hutang dulu
dlm masa yg sama simpan juga

Salam.

Pada pendapat aku, lagi bagus taruk kat ASB dari bayar PTPTN.
Sebabnya, ASB bayar dividen 7%-8% setahun sedangkan PTPTN charge cuma 3% setahun je. So lagi untung simpan duit kau kat ASB daripada bayat PTPTN secara penuh.

Lain la kalau kau hutang kredit kad i.e. 18% setahun. Daripada simpan dalam ASB sebanyak 7%-8% setahun, lebih baik kau gunakan duit tu utk bayar hutang kredit kad tu.

MACD · Post time 10-5-2008 03:46 PM

Originally posted by jenglut at 6-5-2008 02:13 AM

Tahniah! Complete set! Semoga impian jd kenyataan..

http://img141.imageshack.us/img141/8527/footballandpersonalfinaat5.jpg

Kalau Man Utd amik unit trust jadi striker alamat next season diorang maen kat Championship League je la. Hehe

Bagi aku, the best striker is knowledge.

MACD · Post time 10-5-2008 03:56 PM

Originally posted by iena_kindaichi at 5-5-2008 05:42 PM
aku simpan = RM 1350
*7 (5 banks + 2 amanah saham ) = RM 700
*1 invest ? assurance = RM 200
*1 invest + insurance (medical card)= RM 250
*4 kaunter public mutual = RM 200 (yang nie tgk kaunter...mana rega paling rendah aku topup...tak buat SI)

Savings dah cantek! Tapi bukan RM1350 tau. Insurance dan medical card tak dikira sebagai savings.

Tapi hati2 sebab
1. Protection u byk sgt tu. Perlu ke medical card sampai RM250 sebulan. Kalau u betul2 nak protection, tak perlu ambil insurance yg ada elemen pelaburan.
2. Kena tgk berapa dividen yg bank2 tu bagi. Ada tak bank yg boleh lawan ASB punya dividen i.e. 7%-8%? Kalau takde, baik simpan je semua duit u dalam ASB. Dari situ baru u assignkan berapa persen pergi ke tabung kahwin, tabung rumah, tabung kereta dan lain2.

Sekadar berkongsi pendapat.

MACD · Post time 10-5-2008 03:58 PM

Originally posted by masnina at 6-5-2008 08:42 PM
blom bleh menyimpan lagi ler..

gaji bulan 4 bayar hutang mak..
bulan 5 amik lesen
bulan 6 nak tangkap van.. pastu tukar dgn hubby - aku amik keta dia
bulan 7 nak konvo...

so, ...

Mas dah kerja ke? Tahniah...

MACD · Post time 10-5-2008 04:04 PM

Salam semua.

Harap masing2 sudah berjaya kawal kewangan peribadi. Hanya satu je pesanan buat masa ni.

The amount of money that you can save is always limited. But your potential to earn more is not.

Jadi fokuskan diri anda utk mendapat lebih byk duit. Saranan saya:
Bacalah atau tontohlah buku / movie berjudul The Secret.

Sekian, terima kasih.

jenglut · Post time 10-5-2008 10:32 PM

Originally posted by MACD at 10-5-2008 04:04 PM

The amount of money that you can save is always limited. But your potential to earn more is not..

Agree..so sementara sehat..kita keje la kuat2..try to get salary increment everyday instead of a year..simpan byk mana yg boleh..

, lets our money work harder as inflasi pun makin tinggi..

jenglut · Post time 11-5-2008 09:15 AM

Originally posted by MACD at 10-5-2008 03:46 PM

Kalau Man Utd amik unit trust jadi striker alamat next season diorang maen kat Championship League je la. Hehe

Bagi aku, the best striker is knowledge.

Yg ni saya dpt tau masa ikuti kursus CFP dulu..Football anology & personal finance..just to share few things

Imagine ourself as a 'football manager' come with knowledge..& best knowledge is 'wisdom'.. How does this apply to personal finance?

Bayangkan, kita manage satu team..The game is your life, the clock is your age, and your decisions dependon both. Referee is our 'will & trust'. It is said untuk retirement planning, jika kita masih muda..go aggressive in our investments and save as much as we can. If we抮e older, become more conservative with our investments and protect the principal we抳e built up over the years. If you抮e inretirement, you want capital preservation and income generation, takinga bond that yields less may be prudent here and to go aggressive wouldbe a mistake..

Ppl would normally bet a place a lot of hope on this winger & strikers...Tp segelintir saja yg boleh consistent for winning performance. It is said that more than 80% of the games are lots becoz of weak defence skills & strategies. Yet disproportionate amount of attention is given to the wingers and strikers, when most of the problems lie with the defence..kalau muda lg & amik insuran with saving, OK lg..sbb di samping protection, as u also accumulate wealth reserve for retirement..

So do we have a balanced team? Kalau kita masih beginner, we should limit the percentage of wingers & strikers 5-10% of our investment, midfielder 60-80%..defence/golkeeper 10-30%..however, masing2 punya strategi depending on your risk level..

ajib2018 · Post time 11-5-2008 04:23 PM

Originally posted by MACD at 10-5-2008 03:35 PM

Salam.

Pada pendapat aku, lagi bagus taruk kat ASB dari bayar PTPTN.
Sebabnya, ASB bayar dividen 7%-8% setahun sedangkan PTPTN charge cuma 3% setahun je. So lagi untung simpan duit kau kat ...

erm.. ok itu 3% setahun...tapi camni la nk bgtau .. cth arr nie..
kwn aku hutang ptptn 32K.. so tetiap bulan dia kena charge perkhidmatan RM80...
so.. kes camni... better ke bayar or simpan asb... sbb dia dok bayar RM200 tetiap bulan kat PTPTN nie...
amacam??? kena charge RM80 sebulan tue...

remizati · Post time 11-5-2008 04:38 PM

Originally posted by ajib2018 at 11-5-2008 04:23 PM

erm.. ok itu 3% setahun...tapi camni la nk bgtau .. cth arr nie..
kwn aku hutang ptptn 32K.. so tetiap bulan dia kena charge perkhidmatan RM80...
so.. kes camni... better ke bayar or simpan ...

mmg charge perkhidmatan tuh, 30% dari bayaran pokok...dan kena bayar tiap2 bulan, sbb kalau misses satu bulan atau lebih, dia charge kan perkhidmatan tuh...ada kawan aku yg bayar cas perkhidmatan ajerks, pokok tak bayar2..sbb nak tunggu duit terpijak....pada akulah, better bayar, sbb kalau simpan charge perkhidmatan tuh, akan ekor sampai dah kertu