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Author: green~tea

Persiapan utk Retirement

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Post time 6-8-2020 06:36 PM From the mobile phone | Show all posts
lurve82 replied at 1-8-2020 06:46 PM
Lorr. Sis green tea tua sethn je dr iols...tp rete dh berkepuk2...iols ni baru nak menapak2

Ok ni ...

Terbaeklah Sis your retirement planning . Ai baca sampai habis hehe

Bestnya dah ada Tanah boleh buat banglo idaman ! N dah byk kumpul assets!

Tahniah & Semoga dipermudahkan urusan!
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Post time 6-8-2020 11:53 PM From the mobile phone | Show all posts
green~tea replied at 30-7-2020 08:38 AM
Betul dah what youre doing... read books as well, coz buku bg i lebih bagus explanation and detail

Boleh recommend books u baca? Thank you green
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 Author| Post time 6-8-2020 11:58 PM From the mobile phone | Show all posts
Heydidle replied at 6-8-2020 11:53 PM
Boleh recommend books u baca? Thank you green

Lately i bought ebook... murah and mudah baca, bleh conteng.. dalam google playbook tu, try la search syarif rahman.... esok i tanya husband  best recommended books.. dia simpan list dalam goodreads...
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Post time 7-8-2020 12:02 AM From the mobile phone | Show all posts
Brilliant nya u @green-tea!!  Dah mcm baca e-book u punya sharing ni.. best kan muda2 dah berharta
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 Author| Post time 7-8-2020 12:12 AM From the mobile phone | Show all posts
Edited by green~tea at 7-8-2020 12:15 AM
Heydidle replied at 7-8-2020 12:02 AM
Brilliant nya u @green-tea!!  Dah mcm baca e-book u punya sharing ni.. best kan muda2 dah berharta


Thank you.. i bukak thread ni for sharing and also for my own reference... ye lah for sure nnti lupa in future so selak sini senang one stop center utk recall.. sambil2 kutip feedback orang...

I biasa2 saja, but i am blessed dipertemukan dengan husband, in laws yang celik investment... arwah my mom and my dad also membuka mata i bab pelaburan tanah... tp tu lehhh its non liquid.. mmg sakit lah i in 2017 masa i terciduk sbb kekurangan liquid asset...  tanah susah nak juallllll ooooo
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Post time 7-8-2020 10:55 AM | Show all posts
green~tea replied at 7-8-2020 12:12 AM
Thank you.. i bukak thread ni for sharing and also for my own reference... ye lah for sure nnti  ...

True.  Tanah or even rumah mmg susah sikit nak guna masa emergency sbb bukan liquid assets.
Thanks for sharing.


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 Author| Post time 7-8-2020 11:00 AM From the mobile phone | Show all posts
asamfish replied at 7-8-2020 10:55 AM
True.  Tanah or even rumah mmg susah sikit nak guna masa emergency sbb bukan liquid assets.
Thank ...

Agree.. i ada beberapa pengalaman jual beli rumah ni.... busuk2 mmg 6 bulannnn baru dpt settle semua urusannnnn, tu pun dpt buyer mudah bahasa and loan bank, kalo loan gomen atau company lagi haukkk.. dalam 6 bulan tu la segala boleh jadi tergolek terciduk... mampuss


Tanah lg susah nak cari buyer... tambah2 time covid
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Post time 7-8-2020 11:10 AM | Show all posts
green~tea replied at 7-8-2020 11:00 AM
Agree.. i ada beberapa pengalaman jual beli rumah ni.... busuk2 mmg 6 bulannnn baru dpt settle sem ...

Suka baca your postings
Byk infos
Thanks for sharing
Saya pun tak guna agent utk Public Mutual ni
Ikut pandai2 (or bodoh2) sendiri
Segala buku and artikel dok baca, entah masuk kepala entah tidak


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 Author| Post time 7-8-2020 12:07 PM | Show all posts
asamfish replied at 7-8-2020 11:10 AM
Suka baca your postings
Byk infos
Thanks for sharing

kena buat baru faham.. baca2 aje tak masuk sgt... tp start small la.. at least takde la tergolek kalo terciduk
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Post time 7-8-2020 01:43 PM | Show all posts
green~tea replied at 7-8-2020 12:07 PM
kena buat baru faham.. baca2 aje tak masuk sgt... tp start small la.. at least takde la tergolek k ...

Betul.  Mmg kena buat.  Terima Kasih.  Tulis la lagi info dan idea.  

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Post time 8-8-2020 02:41 PM | Show all posts
Edited by midori888 at 8-8-2020 02:44 PM

Plan nak bersara kurang dari 10 thn dari skrg....kalu dpt vss, akan bersara terus...savings tu adalah sikit2...i always live within my means, insyAllah bila dah bersara nanti takde byk masalah nak adjust to live within my retirement income...

best case scenario, hanya guna savings utk belanja masa bersara, epf sebagai back up. Worst case scenario, will sell rumah lagi satu. Sejuta bole dpt kot rumah tu. More than enough utk belanja org tua nanti, yerlah org tua esp yg dah umur 75 above, apa yg belanja sgt pun...mkn pun tak byk. Kecuali kalu yg ada sakit2 tu...

I knw org tua yg duit pencen dia dari start pencen 20 thn lepas tak pnh usik,  rezeki dia dpt anak2 yg tau balas budi org tua walau dia tak minta pun. I knw org tua yg di usia senja dpt rezeki besar yg tak disangka2, tapi skit pun tak ubah cara hidup dia dan keluarga.

Sebagai manusia, kita hanya mampu merancang, hal akan dtg tak siapa tau...umur panjang ke tak pun belum tentu lagi...kdg2 terfikir, sempat ke tak ntah nak smp umur pencen nie...















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 Author| Post time 9-8-2020 08:21 AM From the mobile phone | Show all posts
I found this good letter/ article about current stock market condition

https://www.thestar.com.my/opinion/letters/2020/08/07/caution-for-novice-investors#.Xy5K-4ho-2s.facebook

CAUTION FOR NOVICE INVESTORS


WHY is the stock market behaving like a casino?

I suppose the better question would be why are the regulators allowing the market to be like a casino? Are they salivating at the prospect of super revenue and profit from the huge daily volume or are they just at a loss for what to do?

What about investor protection, market governance, blatant manipulation, frivolous announcement just to move share price, etc?

Aren’t regulators supposed to focus on these important areas?

Being an ex-regulator with more than 20 years in the field, I have dealt with all sorts of market scenarios.

Looking at the current one, I feel it will likely end in tears for most of the inexperienced investors.

Regulators must act fast and decisively to nip these unhealthy activities in the bud by using stronger market management tools before more innocent investors get drawn into the frenzy. Otherwise, they will be blamed again for not doing anything.

Anyone looking at the volume traded these days will know it is mainly due to two reasons – excessive gambling/speculation and/or manipulation. And this is not a good reflection.

It reminds me of the property buying frenzy a few years ago when buyers were snapping up units by the floor or block, thinking that the good times would last forever. Most are now stuck with empty and negative equity units.

The same scenario is now happening in the stock market.

Admittedly, there are companies that will benefit massively from the current pandemic, and their share prices have gone up accordingly. There’s no need to issue the unusual market action query for them.

However, for the majority of the counters, there is no reason for their share price to rise, let alone have hundreds of millions of shares traded every day.

Investors need to be very aware that most of the volumes traded are not due to genuine investing but are in fact fake volumes churned up by certain parties hoping to make a quick buck.

These parties are known by various names such as proprietary traders, day traders, programme traders, high frequency traders, syndicates, punters, etc. Their main job every day is to create volume in the market, hoping to lure unsuspecting investors and profit from them.

With the real economy in bad shape, many new and inexperienced investors are attracted to the stock market rage, hoping to make some money. Little do they realise that they are swimming among sharks – and they are counting on the regulators to watch their back.

Regulators, please do something, say something, before it all collapses like a house of cards (in this case, scrips).

STRICTLY FAIR AND ORDERLY , Kajang
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 Author| Post time 9-8-2020 08:23 AM From the mobile phone | Show all posts
asamfish replied at 7-8-2020 01:43 PM
Betul.  Mmg kena buat.  Terima Kasih.  Tulis la lagi info dan idea.

Dear, i just shared good article letter from the star... ada experieced user complain kenapa regulators tak buat akta utk protect investors newbie dari extreme market speculation mcm berlaku sekarang....
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 Author| Post time 9-8-2020 08:28 AM From the mobile phone | Show all posts
midori888 replied at 8-8-2020 02:41 PM
Plan nak bersara kurang dari 10 thn dari skrg....kalu dpt vss, akan bersara terus...savings tu adala ...

having retirement plan ni bagus utk peracangan urusan family kita di masa depan... bukan utk menghitung harta....tp supaya kita aware and hidup selesa di masa tua....

I have friends and few sedara yg banyakkkkk beli tanah, kurang liquid assets.... masa terciduk... tanah2 semua terjual dgn harga forced sale..  and it took months and years utk cari pembeli....
In my case, i beli tanah2 and i jadi sentimental dgn tanah tu... tak buat hasil apa2.. just leave it there just because its part of my asset....

Thats why i cubalah discusss.. how we should diversify our investment
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 Author| Post time 9-8-2020 09:56 AM From the mobile phone | Show all posts
Edited by green~tea at 9-8-2020 09:58 AM
green~tea replied at 9-8-2020 08:21 AM
I found this good letter/ article about current stock market condition

https://www.thestar.com.my ...


This article alerts us  on current scenarios, bleh tengok dalam FB2 korang skang giat promo kelas saham....  where "scammers" or fund managers or gurus akan menganjurkan seminar saham utk mengumpulkan buyer utk "jack up" or speculate prices sesuatu saham tu... kalo korang nak pahamkan scenario ni, bleh tengok movie "WOLF OF WALLSTREET" this is exactly how people speculate the stock market...

Normally, nilai shares are valued based on its assets and liabilities.. sebagai contoh... IPO petchem RM5.00 seunit, by the time PENGERANG project commissioned, nilai dia naik sampai RM9.00 seunit in 2018, tetapi insiden 2 letupan dalam tahun 2019 dan 2020, telah memberi impact pada saham petchem, jatuh pada RM5.60 sahaja sekarang.....

Ok, back to stock market speculation activity...
dalam kisah wolf of wall street tu... That was before regulation /akta being imposed, maka watak2 dlm movie tu terlepas...

Tapi, nowadays, semua akta2 dah in place... governed by SECURITY COMMISSIONS (SC)....  unlike PROPERTY MARKET yang org still try speculate utk menten or naikkan price, STOCK MARKET is heavily regulated... kalo SC detect any speculation activity wujud, dgn cukup bukti, anytime je SC boleh freeze that stock (shares, IPO, stocks, whatever u wanna call it).... soooo... Jgn korang pandai2 beli saham yg those "gurus" speculate...
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Post time 9-8-2020 11:40 AM | Show all posts
green~tea replied at 9-8-2020 08:23 AM
Dear, i just shared good article letter from the star... ada experieced user complain kenapa regul ...

Thanks!  Very good article.  Memang very tempting tapi selalu kena step back and remind myself not to be greedy.  I set my mind to be an investor, not a trader but sometimes the temptation comes knocking.

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Post time 9-8-2020 11:43 AM | Show all posts
green~tea replied at 9-8-2020 09:56 AM
This article alerts us  on current scenarios, bleh tengok dalam FB2 korang skang giat promo kela ...

Iye.  Macam2 kelas ada organized by so 'called' guru.  Tu belum yang dok promote membeli emas tak kira gold bar, gold coin or perhiasan saying now is the best time to buy.  

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 Author| Post time 9-8-2020 12:25 PM From the mobile phone | Show all posts
Edited by green~tea at 9-8-2020 12:58 PM
asamfish replied at 9-8-2020 11:43 AM
Iye.  Macam2 kelas ada organized by so 'called' guru.  Tu belum yang dok promote membeli emas tak  ...


emas is the worst investment.. bleh baca ebook i shared earlier.. murah sgt2 buku tu and very compact isi dia.. berbaloi beli dan baca.. got it free with ebook about ASB that i bought from google playbook
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Post time 9-8-2020 02:43 PM | Show all posts
Edited by midori888 at 9-8-2020 02:54 PM
green~tea replied at 9-8-2020 08:28 AM
having retirement plan ni bagus utk peracangan urusan family kita di masa depan... bukan utk mengh ...


agreed...bagus thread u nie...byk ilmu bole dpt...thanks for sharing...

makcik yg tak pnh sentuh duit pencen tu, masa muda dia adalah seorg yg suka bersedekah, kalu siblings minta tolong tak pnh menolak. Skrg pun kalu ada harta pusaka nak di bahagi, dia memang tak akan amik bahagian dia. Agaknyer psl amalan nie lah yg buat masa tu dia tak perlu fikir psl hal kewangan di usia senja.
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Post time 9-8-2020 02:47 PM | Show all posts
green~tea replied at 9-8-2020 12:25 PM
emas is the worst investment.. bleh baca ebook i shared earlier.. murah sgt2 buku tu and very co ...

Yeah.  That's what i thought pun. Just bought for emergency exit kalau ada peperangan. So far sepanjang pandemic, UT had been giving me very good return.  Will stick to that.  Bought glove counters at klse before pandemic and sold before the peak.  Yikes!  Should have kept them much longer.  Tapi ok la rezeki takat tu je. Hopefully I get smarter each day.  Thank you for the ebook and some other infos!

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