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airisa replied at 30-5-2020 06:32 PM
I pun masih tertangguh nak beli kitchen aid tu .. tapi januari aritu i dah beli slow juicer rm3k . ...
Haha samaaaaaa... Iols suka bake tapi memanjang rasa tak cukup sedap. Tapi family and friends kata ok sedap je. Antara kes lack of confidence atau the biggest critic of diri sendiri agaknya iols ni
"Contoh .. loan asb rm100k .. katakan approve n masuk acc before 1 june .. so by dec .. calculation dividen katalah 5% .. u akan dpt dividen rm2500.
Your asb limit akan naik rm2500. Bayangkan kalau dah 10 tahun.. dah betapa your asb limit naik?
Banding dgn simpan bulanan rm700 .. your dividen sgt sikit, jadinya your asb limit pun naik sikit."
Tq for pencerahan uols. Iols amik input ni sebagai my personal reference. Btw, ur name macam nama my fave niece, Airis. Agaknya uols pun cute mcm dia huhu |
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Post time 30-5-2020 06:45 PM
From the mobile phone
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juliesha replied at 30-5-2020 10:24 AM
I simpan asb, loan asb pun ada tapi now rasa nak cancel kan loan tu sbb tak dpat dividen yg bagus ev ...
Pasal 2nd house ni..mungkin boleh minta pandangan dari kaka @green~tea  |
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NurAlia14 replied at 30-5-2020 04:18 PM
Bg aku better xyah buat loan asb tu..brapa ramai yg rugi kwn2 aku buat..baik simpan mcm biase je k ...
Alia, memang betul hibah TH lagi rendah dari ASB. Paling teruk tahun 2018. 1.25%. Sejak tu ramai bengang and ada juga yg pindahkan ke ASB and tempat lain. Last year naik sikit... 3.05%. Still lower than ASB. Observers mengharapkan hibah TH makin naik dengan kelancaran pengurusan TH. We'll see la eh camna.
Iols ingat nak half ASB (self fund or on financing nanti fikir lagi) half TH. |
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Post time 30-5-2020 06:49 PM
From the mobile phone
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green~tea replied at 30-5-2020 12:42 PM
amanah hartanah tu u gi je Maybank bukak acc investment situ... tinggi wey dividen dia.. 2X seta ...
Menarik dan tertarik pulak baca ni.. |
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Post time 30-5-2020 06:52 PM
From the mobile phone
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3480 replied at 30-5-2020 02:00 PM
Tu la.. pasni nk masuk th plk.. mesti dia rindu duit aku.. senduuu.. hahahaha
Kelakar pulak baca.. |
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airisa replied at 30-5-2020 06:28 PM
Sebenarnya, tak rugi loan asb kalau u memang mampu utk simpan byk tu setiap bulan. Yg jadi rugi, b ...
Betulllll sgt2 ni sisssss.... there're NO low risk saving yang bg dividen sebanyak ASB or dana2 harga tetap PNB... tak faham nape org nak compare FD la bagai... FD tu rendah sgt dividen dia |
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Post time 30-5-2020 07:12 PM
From the mobile phone
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Edited by NamaKuMawar at 30-5-2020 07:26 PM
NurAlia14 replied at 30-5-2020 04:15 PM
Kalo dh xde ape2 tu agaknya laki la kot kn? Cm ner la rase tiap2 bln kne bg duit kt org yg pdhal k ...
Hahaha..ye la..kalu ingat2 balik mmg sakit hati..biar la..asalkan takde ape2 dah ngan dia..
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juliesha replied at 30-5-2020 10:24 AM
I simpan asb, loan asb pun ada tapi now rasa nak cancel kan loan tu sbb tak dpat dividen yg bagus ev ...
Buat pe beli 2nd house.. unless u buleh cari rumah yg income rental yg boleh cover installment maintenance fee, cukai, repair works.... |
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terima kasih untuk tips yang diberikan, kawan akan sentiasa berusaha untuk menabung 
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green~tea replied at 30-5-2020 07:30 PM
Buat pe beli 2nd house.. unless u buleh cari rumah yg income rental yg boleh cover installment ma ...
2nd house ni kira rumah idaman yg nak duduk. First house mmg sewakan so far dpt lah cover loan rumah dgn maintenance. Tu lah sis, tengah fikir ni. |
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airisa replied at 30-5-2020 02:23 PM
Maximum loan asb rm200k. Tapi, u kena tgk berapa ur max limit asb available.. Cara nak tgk, downlo ...
alrite. tp adakah skg masa yg baik utk tambah ambik asb loan? p pandangan awak? |
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Scheherazade replied at 30-5-2020 11:04 AM
Fd ni kalau duit tu nk guna dlm certain tempoh, boleh la simpan. Mksdnya bkn utk jangka pjg. Inter ...
boleh share sket pasal FD? kenapa ada interest ye? bukannya dividen? |
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NamaKuMawar replied at 29-5-2020 09:24 PM
Dulu aku simpan kat asb je..bukan yg loan punye tu..dulu aku paling tak suka org dok promote kat a ...
dulu mmg fikir simpan manual tp modal nak simpan sendiri scr bulanan tu xbyk, so plan amik loan utk short term je la.huhu. tgh try cara ni plk walaupun xbyk. |
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airisa replied at 30-5-2020 02:16 PM
Utk yg nak mula menyimpan ... better kalau ada target n tujuan simpanan supaya cara simpanan tu lebi ...
lambat tu start umo berapa? huhu saya skg 33 da rasa lambat juga.huhu |
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green~tea replied at 30-5-2020 12:42 PM
amanah hartanah tu u gi je Maybank bukak acc investment situ... tinggi wey dividen dia.. 2X seta ...
amanah ni xselalu ada kat? mcmn nk tau bila dia available ye sbb salu cek kt website mmg xde je offer. atau saya yg xnpk.hihi |
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airmineral replied at 30-5-2020 09:41 PM
amanah ni xselalu ada kat? mcmn nk tau bila dia available ye sbb salu cek kt website mmg xde je of ...
Dah lama penuh fund ni... and bulan 4 haritu dia keluar news bukak fund 4 mil ke 400 mil i tak ingat sbb ramai jual kesan covid.... sbb tu kena gi maybank tanya |
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juliesha replied at 30-5-2020 09:27 PM
2nd house ni kira rumah idaman yg nak duduk. First house mmg sewakan so far dpt lah cover loan rum ...
owh... utk duduk sendiri ok lah... i skang mmg duduk rumah bertanah yg neighborhood best, sesuai utk retirement terus.... ada space utk bercucuk tanam segala |
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meow_tompok replied at 30-5-2020 03:04 PM
last year saya walk in tanya ahb tu. dia ada quota kak. isnin ni akak pergi kalau ada quota lagi p ...
nnt roger juga pasal AHB tu. mcm berminat nak join. |
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green~tea replied at 31-5-2020 12:24 AM
owh... utk duduk sendiri ok lah... i skang mmg duduk rumah bertanah yg neighborhood best, sesuai ...
ckp pasal rumah, telan air liur je tgk umah2 yg ada. terasa sgt nak beli rumah tp modal xbyk dan lokasi pon xde rasa yg mcm sesuai.huhu. teringin nak beli umah landed yg ada tanah tepi dan belakang utk cucuk2 tanam dan santai2 keluarga. huhu |
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Scheherazade replied at 30-5-2020 01:35 PM
Aku pun plan mcm ni tp aku ni keje mkn gaji ja. Jd xde la dpt fulfil semua tu - asb ng ...
I doakan u murah rezeki.... aamiin.. kalo u berkemampuan, buat la ASB loan, cecah limit awal2... asb loan ni kena betul strrategy... ada tulis dalam buku yg i share sblm ni.. baca la buku tu.. ringkas je penulisan dia to bagus sbb dia buat beberapa worst case, best case, base case scenario |
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Post time 30-5-2020 06:39 PM
