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Author: NURMIMIE

PINJAMAN ASB.

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Nora_Ismail This user has been deleted
Post time 18-12-2003 03:34 PM | Show all posts
Nora rasa, benda ni adalah win-win situation.

Bank win bila dia dapat beri pinjaman yang ada guaranty. Dalam kes ni, ASB guaranteed akan bagi pulangan setiap tahun. Kalau bank pinjamkan 50,000 untuk orang beli rumah pun, belum tentu orang tu akan bayar sampai habis. Tapi bank still kena sacrifice kerana terpaksa dahulukan modal.

Pelabur ASB pulak win bila dia cuma perlu labur 5,400 untuk dapatkan pulangan 50,000. Pelabur pulak kena sacrifice sebab terpaksa tunggu 10 tahun barulah 5,400 yang dia labur untuk matang menjadi 50,000...


Any other point of view?
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ourself This user has been deleted
Post time 18-12-2003 03:57 PM | Show all posts
Originally posted by Nora_Ismail at 18-12-2003 15:34:
Nora rasa, benda ni adalah win-win situation.

Bank win bila dia dapat beri pinjaman yang ada guaranty. Dalam kes ni, ASB guaranteed akan bagi pulangan setiap tahun. Kalau bank pinjamkan 50,000 u ...


i dont think so,
sapa yg meniaga RM5400 then tunggu 10 tahun dapat RM50k?WOW!...berapa percent maybank bg?dah la bg pinjam duit pastu bayar RM5400 then dapat RM50k...
logik ker?..

melayu kita dah digunakan untuk membeli sijil utk mereka meniaga.oklah cik mimie kita tunggu lepas 12bulan ni...then kalau cik mimie dikehendaki comitment lagi lain lain amount so,it up to you to decide..
sebab cik mimie just bayar RM450 jer kan utk 12bulan pas tu tak payah bayar lg ..tul tak?..


pada pandangan saya la kat kak mimie..mungkin maybank kata cara bagaimana kakak boleh bayar payment tu dgn cara potong dr dividen.tapi itu bukan syarat dan terma dr maybank tp presentation staff utk kakak cari jalan mudah then closed the deal.then kakak tak yah pening pening nak bayar bulan bulan...tapi kalau kakak dah potong dr dividen hutang kakak tu i guaranted by the end u get nothing..no 50k.its just figure.unless  if u pay RM450 until 10years..its correct.kalau tak maybank nak bayar RM50k dr mana?...just RM5400 to be RM50000?..marvellous!!:eek::eek:..i pay  RM200,000.00 today.
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Nora_Ismail This user has been deleted
Post time 18-12-2003 04:15 PM | Show all posts
Originally posted by ourself at 18-12-2003 03:57 PM:
i dont think so,
sapa yg meniaga RM5400 then tunggu 10 tahun dapat RM50k?WOW!...berapa percent maybank bg?dah la bg pinjam duit pastu bayar RM5400 then dapat RM50k...
logik ker?..

melayu kita  ...




Macam tak percaya kann...?

he he he...

May be awak boleh confirmkan dengan Maybank, sebagaimana kak Mimie dah confirm dengan Maybank.

Anyway, awak boleh hold to your believe yang pelabur tu tetap kena bayar 450 selama 10 tahun... It's up to you... Hakikatnya awak tak akan tahu sampai awak get the confirmation dari Maybank sendiri....



Salam,
Nora
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 Author| Post time 19-12-2003 01:19 AM | Show all posts
salam semua.

wohooo.. sori ar sebab tak perasan topic reply adalah memberangsangkan.

terima kasih kepada yang memberi pandangan dan info info berguna pada financial planning ni.

tu lar pasal. bunyi macam tak logik. tu yang mimie tanya pada awal-awal tu.

begini,

loan ni mimie buat pada rm50k rite. apa yang mimie kena bayar pada tahun pertama adalah rm450++ sebulan untuk satu tahun .

betul macam kak antique kita kata tu. ada macam2 skim yang terdapat pada offer maybank tu. so, kena pilihlah memana yang berkenan.

so, mimie pilih yang dividen dan bonous tu tak yah amik. buat bayaran for the next year until 10 years time.

loan ni ada insurans, tapi taklah mahal sanggat, sebab terms insurans tu pun, katalah mimie mati esok (mintak2lah mimie panjang umur) insurans hanya cover pada baki pinjaman bersih (tolak interest maybank.)

so, yang mimie bayar rm450++ sebulan first year tu dah campur insurans dan interest maybank. interest maybank kenakan tak mahal dalam term yang ni, lufer lak pulak berapa, tapi below 3%.

kenapa interest maybank murah?.. sebab maybank boleh gunakan sijil itu sebagai cagaran ke atas apa-apa pelaburan yang hendak mereka buat for the financal invesment company maybank.

kalau korang tahu dan pandai perancangan perniagaan, this is one of the way people make money. lets say peniaga kedai runcit. depa sebenarnya tak payah keluar modal banyak sanggat. pembekal selalunya bagi barang depa masuk dulu. terms of payment kengkadang sampai 3 bulan. so, in time, barang dah abis jual. peruncit boleh menggunakan wang itu sebagai membayar pembekal kelak. lebih kurang cam gitu arrr..

kenapa murah interest maybank tu lagi?

ok.. selalunya, ASB bagi dividen dan bonos lum sum at the end of year kan?.. so, kalau u tak ambik dividen dan bonos tu, mean maybank yang ambik kan, maknanya, kita bayar loan tu untuk satu tahun penuh atau lebih SEKALI GUS. biasanya, pembayaran sebegini untuk apa-apa pinjaman konvensional adalah akan mendapat pulangan rebet. maknanya, kita akan selamat untuk satu tahun interest pulak. cam mana calculation nya, hehehe.. tu kena tanya financial officer depa larrr..

kenapa murah interest maybank tu lagi?

ASB ni, ada juga beli insurans untuk pelaburan depa. sure macam-macam perlindungan yang ada. so, di beritakan, kepada pelabur ASB adalah lebih secure atas perlindungan insurans yang telah di beli oleh PNB. secure ke atas bonos dan dividen pelabur adalah tidak kurang dari 8 peratus setahun.

dalam minggu lepas, mimie baru jerk belek mimie nyer sijil fix deposit. tak banyak, hanya rm10k. alahai interest untuk setahun baruuu 3.2%. hehehe.. riba tuuu.. haremmmm   mimie ambik fix dep pun untuk kemudahan overdraf aja... terpaksa.. buat sijil cagaran. so, melabur dalam fix dep bukanlah satu langkah bijak sekiranya kita masih ada lagi kouta ASB yang boleh dibeli.

ohhh yaaa.. pasal sapa untung sapa rugi deal ngan maybank begini tidak timbul. yaaaa kalau saja kita ada cash rm200,000 tu extra tak tau nak letak mana buat beli apa, boleh lah letak directly kat ASB tu.. ni, kalau abok pun tarak, kenalah pepandai plan financial kiter atas kelebihan kouta kita pada ASB tu. time management pun penting gak. tul tak?.. hehehe.. tu pasal business people tetap berpeggang kukuh pada 'time is money'. so, pengurusan masa, strategi dan peluang kena efficent to make a biggg money from the small penny!!

so, rasa-rasanya, itu aja dulu.

wassalam.

[ Last edited by NURMIMIE on 19-12-2003 at 01:56 AM ]
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 Author| Post time 19-12-2003 01:51 AM | Show all posts
Originally posted by ourself at 2003-12-18 03:57 PM:
i dont think so,
sapa yg meniaga RM5400 then tunggu 10 tahun dapat RM50k?WOW!...berapa percent maybank bg?dah la bg pinjam duit pastu bayar RM5400 then dapat RM50k...
logik ker?..


mungkin ourself salah faham konsep itu di sini.

maybank tak bagi duit dekat kita. dia hanya bagi satu salinan sijil aja.

untuk more clear picture macam ni:

-maybank bayar kat ASB (untuk sijil atas nama kita) =rm50k
-kita bayar maybank rm450++ sebulan untuk setahun =app. rm5.4k
-kita dah ada sijil ASB berjumlah rm50k.
-end of the year, ASB bayar dividen dan bonos atas sijil rm50k app. rm5k
-kita tak dapat that app. rm5k
-yang dapat app. rm5k untuk setahun pada tiap-tiap tahun sampaiiiiiii 10 tahun ialah maybank.
-10 years later baru kita boleh dapat that rm50k.

mana yang tak logik?

melayu kita dah digunakan untuk membeli sijil utk mereka meniaga.oklah cik mimie kita tunggu lepas 12bulan ni...then kalau cik mimie dikehendaki comitment lagi lain lain amount so,it up to you to decide..
sebab cik mimie just bayar RM450 jer kan utk 12bulan pas tu tak payah bayar lg ..tul tak?..


yerrr.. itu betoll.. tidak syak lagi,


pada pandangan saya la kat kak mimie..mungkin maybank kata cara bagaimana kakak boleh bayar payment tu dgn cara potong dr dividen.tapi itu bukan syarat dan terma dr maybank tp presentation staff utk kakak cari jalan mudah then closed the deal.then kakak tak yah pening pening nak bayar bulan bulan...tapi kalau kakak dah potong dr dividen hutang kakak tu i guaranted by the end u get nothing..no 50k.its just figure.unless  if u pay RM450 until 10years..its correct.kalau tak maybank nak bayar RM50k dr mana?...just RM5400 to be RM50000?..marvellous!!..i pay  RM200,000.00 today.


we pay rm450 per month actually when we got our div and bonous form ASB (assume u tak amik that div n bonous). maybank will take it.  that is our money actually. we pay in advance lagi!! wohoooo... lets pay rm200,000 today!!

pay rm200k today for what??:stp:

what for? haaa? haaaa? haaaaaaaaaaa?
hahahahahaha!! kidding!!

p/s: i really confuse why must u pay rm200k if those things really happend
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Nora_Ismail This user has been deleted
Post time 19-12-2003 08:39 AM | Show all posts
Marveleous la kak Mimie... Nora rasa nak gi Maybank hari ni gak....

Tapi kan.... isk isk isk... mana nak cari 450 sebulan aaa.... nak bayar rumah lagi, kereta yang baru keluar 2 bulan lepas lagi, insurance lagi, rumah tak laku kat Bkt Beruntung lagi.... ni kira financial planning tak betul ler.... :stp:

Salam!
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syuhair This user has been deleted
Post time 22-12-2003 06:47 PM | Show all posts

Jangan samakan insurans dengan investment

Originally posted by ourself at 17-12-2003 02:16 PM:
ASB                                     INSURAN
return:           <RM50,000.00                         RM54378.00++
meninggal:     insuran cover balance          insuran RM100k + baki simpanan
accident :       no insuran                          RM900/bulan
hospital:         no insuran                           RM100/hari
36penyakit:     no insuran                            RM30,000
pengeluaran:    slps10tahun                         bila-bila masa


Dude,

You talk like an insurance agent. Can I simply assume that you are actually an insurance agent?

I would like to qoute from Azizi Ali, a millionaire employee. Insurance is simply just for your protection. Let say something happen to us, our dependents can still rely on our insurance to take care of them financially.

Being objective, we should not use insurance as our investment tool. It is a wrong vehicle to achieve financial freedom after all. As an example, if someone wants to go to London, he can either drive or fly with airplane. Which is the right vehicle to go to London faster? Car or airplane? Yes both will arrive at the same destination but I believe travelling with airplane is much faster because it is simply the right vehicle to use.

The same goes with insurance. It is merely a protection tool not an investment tool. It is wrong to think of insurance as an investment tool. We won't get what I call best value for money. You will end up paying much more. There is no guarantee that the investment link insurance you mentioned just now will deliver consistent return of 5%, 9% let alone 13%. Statistics back my claim.

I cannot claim myself as an expert in money but I do read a lot of books on Personal Finance subject (Rich Dad Poor Dad, Millionaires From Different Planet, The Millionaire in Me, The Millionaire Next Door, etc.) not to mention monthly magazine, Personal Money. From my readings, I firmly believe that insurance should not in any case be used as an investment tool. Stick to why it was invented. To support your dependents financially in case of untoward incidents happened to you.

Cheers,
Syuhair.
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ourself This user has been deleted
Post time 28-12-2003 03:40 AM | Show all posts

not say...

Originally posted by syuhair at 22-12-2003 06:47 PM:
Dude,

You talk like an insurance agent. Can I simply assume that you are actually an insurance agent?

I would like to qoute from Azizi Ali, a millionaire employee. Insurance is simply just fo ...



excuse me..:bg:

we  discussing about RM450 for an 1 year ..and  how insurance can accumulate to RM50k.then i suggest in around.unless she talking about big money..and maybe i propose to many way to invest like MCGP,FD,MUTUAL FUND etc.so,we just discussion about RM450 for 12month ma...what u can say?..:nana:
any way to LONDON ?..better going to INDONESIA ..
:stp:

sometimes we feel :agr: sometimes we must :cool:..and
:re:
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Post time 30-12-2003 05:30 PM | Show all posts
Originally posted by Nora_Ismail at 2003-12-19 08:39 AM:
Marveleous la kak Mimie... Nora rasa nak gi Maybank hari ni gak....

Tapi kan.... isk isk isk... mana nak cari 450 sebulan aaa.... nak bayar rumah lagi, kereta yang baru keluar 2 bulan lepas l ...


pi la ambil ... kalau tak larat nak bayar rm450k per month .. ambil yg kurang sikit ..ikut kemampuan ...
like me .. i ambil rm15k for 12 yrs kot ... payment monthly rm115+insurance.
ok per .. every year end ..katalah dividen+bonus ASB 9% .. i dpt rm1350 .. which i can use utk payment next year for abt 11 mth .. tambah sket lagi, cukup payment for another year. tu la konsep yg mimie explain tuh.

kalau ada ditgn rm115 tu pun, blom tentu dpt simpan ... kang ternampak handbag baru la kasut baru la ...


rasa 2004, i nak ambil another ASB loan yg monthly payment abt rm100 gak .. hehheheh ...
nak byk2 sekali, takut takleh nak enjoy laks ...

ni ikut a fren of mine la .. dia pun buat mcm tu... every year ambil new ASB loan. Sebab katanya ...
first year je u kena bayar rm100 per mth. pastu, the following year dah dibayar dgn bonus+dividen.
Next year tu, gunakan balik duit rm100 tadi tu utk new loan. on and on la ...
at the end of the payment term tu.. dah baper puluh ribu u dah bleh dpt?? dah byk kan .. just like saving rm100 per mth, cumanya, yg ni, u lebih disiplin sebab u tak leh nak korek2 savings tu ... last sekali dpt terus gedebuk byk ...

[ Last edited by azaleena on 30-12-2003 at 05:38 PM ]
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syuhair This user has been deleted
Post time 30-12-2003 06:29 PM | Show all posts
Originally posted by azaleena at 30-12-2003 05:30 PM:
kalau ada ditgn rm115 tu pun, blom tentu dpt simpan ... kang ternampak handbag baru la kasut baru la ...


Cik Azaleena,

Let's not forget that there are two types of people in this world. First, those who do budgeting every month, have discipline to control the urge to spend their excessive money and invest or save consistently monthly and second, those who are not.

If a person belongs to the second group, then I would suggest him/her to take "forced savings" schemes like the ASB loan. This way, they are "forced to" rather than voluntarily save their money. This is not a bad approach to be honest but if you want to go to the next level, you should consider to do budgeting every month and draw a plan to voluntarily invest/save your money.

And if you belong to the second group (which should be your ultimate goal), that is a good sign. You choose to consciously know where your money comes from and where it goes. You might also have set your financial targets for 1 years, 3 years, 5 years and so on. I like to have targets or goals because it helps me to realize that I am a step closer to my goals / targets with each portion of my monthly investments / savings.

Just helping,
Syuhair.

[ Last edited by syuhair on 30-12-2003 at 06:49 PM ]
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syuhair This user has been deleted
Post time 30-12-2003 06:36 PM | Show all posts
Originally posted by ourself at 28-12-2003 03:40 AM:
excuse me..

we  discussing about RM450 for an 1 year ..and  how insurance can accumulate to RM50k.then i suggest in around.unless she talking about big money..and maybe i propose to many way to invest like MCGP,FD,MUTUAL FUND etc.so,we just discussion about RM450 for 12month ma...what u can say?..
any way to LONDON ?..better going to INDONESIA ..


sometimes we feel  sometimes we must ..and


Err ... I am afraid I can't say anything because I dont even understand what you are saying :cf:

Anyway let me recap
baiklah saya ada satu pelan investmentlink dimana dengan RM450 sebulan serendah 5%  selama 10tahun kiraan flate rate

jika 5% pulangan tunai RM54378.00
jika 9% pulangan tunai RM66131.00
jika 13% pulangan tunai RM80607.00


OK a quick scenario. If I save RM450 every month for 10 years, my simple calculation tells me that I should have RM54,000 at the end of the period. That is at 0% my friend!

With an investmentlink plan like that, at 5% interest, I will only earn an additional RM378.00???? Not a good investment plan if you ask me. The worst part is, this plan might not even have a guarantee 5% interest earned every year! In bad years, we might earn only a puny 1% or 2% which probably cant even beat the inflation (Correct me if I am wrong with this.)

As the great Azizi Ali said, insurance is not the right vehicle to make money.:cry:

My two cents.

[ Last edited by syuhair on 30-12-2003 at 07:00 PM ]
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Nora_Ismail This user has been deleted
Post time 31-12-2003 10:06 AM | Show all posts
Originally posted by azaleena at 30-12-2003 05:30 PM:
pi la ambil ... kalau tak larat nak bayar rm450k per month .. ambil yg kurang sikit ..ikut kemampuan ...
like me .. i ambil rm15k for 12 yrs kot ... payment monthly rm115+insurance.
ok per .. eve ...



Thanks Azaleena,

I'll take that advice. Nora rasa, idea tu memang baik sangat laa...

Nora dah baca buku Millionaire from different planet tu... overall, cadangan-cadangan dia memang baik laa... Nora rasa, sapa yang ada anak, elok ajar anak-anak tu tentang kebaikan menabung sejak kecik lagi. Menabung ni, kalau dimulakan dari awal, lagi baik. Kalau dah umur 40 tahun baru nak menabung, alahai....

Menabung tu satu hal... kat mana nak simpan tabung tu pun kena ajar gak...

Err... skim ASB kat Maybank tu, apa nama dia aaa....?

Salam,
Nora
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syuhair This user has been deleted
Post time 31-12-2003 11:05 AM | Show all posts
Nama skim ASB kat Maybank? I rasa dia tak taruk nama. Tapi you pergi jer Maybank tanya pasal ASB Loan. Dia tahu punya. Sebab ada satu skim ASB Loan je kat Maybank.
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Nora_Ismail This user has been deleted
Post time 31-12-2003 11:58 AM | Show all posts
Originally posted by syuhair at 31-12-2003 11:05 AM:
Nama skim ASB kat Maybank? I rasa dia tak taruk nama. Tapi you pergi jer Maybank tanya pasal ASB Loan. Dia tahu punya. Sebab ada satu skim ASB Loan je kat Maybank.



Ooo... OK, thanks!

Salam,
Nora
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ourself This user has been deleted
Post time 31-12-2003 04:26 PM | Show all posts
Originally posted by syuhair at 30-12-2003 18:36:
Err ... I am afraid I can't say anything because I dont even understand what you are saying :cf:

Anyway let me recap


OK a quick scenario. If I save RM450 every month for 10 years, my simple ...


good!..u try to understand..yes u can.ok come on ... finish until x..y..z.
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anna This user has been deleted
Post time 1-1-2004 12:55 AM | Show all posts
saja nak tambah, kak Nora and forumers semua, anna tak taulah kalu berkaitan dgn asn.
tapi kalu pegi kat consumerism,emplymet rights and legally yrs punya section, page 6  seribulan ada tanya soalan bab disaman rhb kerana tak dpt bayar asb.

happy new year everybody!
anna
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ourself This user has been deleted
Post time 2-1-2004 01:03 PM | Show all posts
Originally posted by anna at 1-1-2004 00:55:
saja nak tambah, kak Nora and forumers semua, anna tak taulah kalu berkaitan dgn asn.
tapi kalu pegi kat consumerism,emplymet rights and legally yrs punya section, page 6  seribulan ada tanya soal ...



  Quote:
Originally posted by seribulan at 2003-8-19 01:48 AM:
kawan kena saman bank rhb kerana tak bayar duit potongan asb every month sejak gawat ari tu...dia dah balik kg..sebab tak de keja..kompeni tutup...baru ni rhb antar surat saman suruh byr...rhb seka ...  



ambik pinjaman beli asb ye?
besar kemungkianan bank dah jual saham tu... tapi tak boleh cover hutang... maksudnya ada shortfall. Jumlah beli/pinjam lebih daripada hasil jualan. Bank berhak tuntut kekurangan tu.

Tak bayar samanlah.

//no komen:cf:...sebelum membeli pahami tatacara pelaburan dan syarat syarat yg terkandung:stp:.kan iklan ASB ada cakap ....
..bukan senang nak senang ,bukan susah nak susah...
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syuhair This user has been deleted
Post time 2-1-2004 05:22 PM | Show all posts

Reserve Fund

Originally posted by anna at 1-1-2004 12:55 AM:
saja nak tambah, kak Nora and forumers semua, anna tak taulah kalu berkaitan dgn asn.
tapi kalu pegi kat consumerism,emplymet rights and legally yrs punya section, page 6  seribulan ada tanya soal ...


Dalam buku Millionaires From Different Planet, Azizi Ali ada cakap, sebelum melabur bina reserve fund dulu.

Apa itu reserve fund? Reserve fund tu ialah tabung yang boleh kita gunakan untuk menghadapi kecemasan / emergency. Let say kena berhenti kerja bulan ni, mana kita nak cari duit belanja untuk bulan depan? Kalau ada reserve fund, boleh kita guna duit dari situ buat sementara waktu.

Berapa jumlah yang harus kita ada dalam reserve fund? Kalau anda ada pekerjaan tetap dengan company yang stabil, jumlah gaji anda selama 3 bulan adalah memadai untuk disimpan dalam reserve fund ni. Kalau pekerjaan anda tak tetap atau yang jenis cyclical (macam kontraktor), anda perlu jumlah gaji selama 6 bulan. Ada orang guna jumlah perbelanjaan keluarga instead of jumlah pendapatan / gaji. Itu terpulang mengikut keselesaan masing-masing.

Contoh A, En. Ali, masih bujang, berpendapatan RM2000 dan bekerja di sebuah jabatan kerajaan. Oleh kerana, majikan beliau merupakan majikan yang stabil (jabatan kerajaan), maka memadai bagi beliau untuk simpan sebanyak RM2000 * 3 = RM6000 dalam reserve fund beliau. Ini mengambil kira faktor bahawa kemungkinan beliau diberhentikan kerja adalah tipis,

Contoh B, En. Samad, berkeluarga dan mempunyai 2 orang anak membelanjakan kira-kira RM4,500 sebulan untuk maintain current lifestyle. Namun begitu, beliau bekerja sendiri (self-employed) dan pendapatan syarikatnya bergantung kepada tender yang berjaya diperolehi. Jadi berapa reserve fund yang En. Samad perlu ada? Jawapannya ialah RM4,500 * 6 = RM 27,000.

Sekian. Harap dapat membantu.

Syuhair.

[ Last edited by syuhair on 2-1-2004 at 05:25 PM ]
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 Author| Post time 5-1-2004 09:49 AM | Show all posts
Originally posted by azaleena at 2003-12-30 05:30 PM:
pi la ambil ... kalau tak larat nak bayar rm450k per month .. ambil yg kurang sikit ..ikut kemampuan ...
like me .. i ambil rm15k for 12 yrs kot ... payment monthly rm115+insurance.
ok per .. eve ...



eh..

ada gak geng.

a a'aa cam gitu lah lebih kurang kan.

p/s: suka ngan perkataan 'gedebuk'
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Post time 7-1-2004 11:32 PM | Show all posts
Originally posted by syuhair at 2-1-2004 05:22 PM:
Dalam buku Millionaires From Different Planet, Azizi Ali ada cakap, sebelum melabur bina reserve fund dulu.

Apa itu reserve fund? Reserve fund tu ialah tabung yang boleh kita gunakan untuk mengh ...

Tertarik dengan reserve fund...teringat sewaktu buat pengiraan ari tu...duit yang perlu ada sekiranya mahu berhenti kerja dan concentrate on takaful...pengiraan yang dibuat adalah berdasarkan expenses for the next six months...kononya...dalam masa 6 bulan I kena betul-betul struggle...tanpa ada expenses yang perlu dibayar....

Reserve fund...bagus idea tu...bagi pekerja swasta, rasanya baik gaji x 6 bulan....cara nak saving...?   salah satunya...simpanan tabung Haji, ASB, Loan ASB..memang sudah nampak perubahan yang ketara...kalau 2 tahu dulu dividend ASB hanya dapat RM2.09, tapi sekarang ni dah berjaya mencecah RM1000...dengan syarat...buat potongan gaji, buat loan asb, dapat dividend, simpan(buat-buat buta)..jangan berangan nak beli barang emas:bg:

kenan beringat...selalu...reserve fund!!!
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