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Plan kewangan 2011

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Post time 23-12-2010 11:21 AM | Show all posts |Read mode
Post Last Edit by amirul_nazri at 24-12-2010 11:13

dah nak dekat tahun baru nie...so, apa plan perancangan kewangan anda2 sumer tahun 2011...jom kongsi..

aku punya dulu..

1. Target nak increase saving kat asb by another 20% per month...kalau2 takder halangan la
2. Target increasekan compounded return dpd kerja trading di financial investment instrument by another 5%
3.
4.
5.Nk menyimpan 200 sebulan  utk travelling purpose
6. nak melabur dlm emas physical...mungkin nak beli gold coin sbg aset jangka panjang


(masih plan lagi).....

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Post time 23-12-2010 12:54 PM | Show all posts
dah nak dekat tahun baru nie...so, apa plan perancangan kewangan anda2 sumer tahun 2011...jom kongsi ...
amirul_nazri Post at 23-12-2010 11:21



    en. mirul, target nak ehem2 tak masuk lagi ke untuk tahun 2011 ni.....
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Post time 23-12-2010 01:29 PM | Show all posts






good topic bro mirul...

aku punye financial planning untuk next year terpakse start balik dari gear 1..
tahun depan aku dapat keje baru..   tapi yang sadisnye, selalunye first month salary takkan dpt dalam bulan tu..
ianya akan masuk ke next month..
so bulan january aku memang koyak habis...

bulan ni pulak duit gaji dah habis bayar saman dan insuran keta (ferrari...)...




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Post time 23-12-2010 01:48 PM | Show all posts





My Financial Planning for 2011


1) Increase savings in AHB
2) Increase savings in Gold savings
3) Mengandakan loan ASB guna teknik rolling dividen seperti yg encik pashamerah pernah mention...
4) planning nak beli rumah lagi kat nusajaya (jb) dgn kat dengkil (dkt ngan putarjay) pastu sewakan harge giler babun..
4) Maintain public mutual via epf accounts
5) berenti merokok (sebenarnye baru je start merokok )
6) kurangkan berdating
7) mencari tempat menyamun di lokasi baru...




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Post time 23-12-2010 01:49 PM | Show all posts
1. Target nak increase saving kat asb by another 20% per month...kalau2 takder halangan la
2. Target increasekan compounded return dpd kerja trading di financial investment instrument by another 5%
amirul_nazri Post at 23-12-2010 11:21


plan for 2011...

1. nak double ASW2020..
2. nak tambah exposure in stock market... lepas PCHEM dgn MHB ni nak explore yg lain pulak
3. plan for more passive income from properties.. rental
4. land... kalau ada oppurtunity
5. bizness.... try to maintain the good run.... insyAllah

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Post time 23-12-2010 01:50 PM | Show all posts
en. mirul, target nak ehem2 tak masuk lagi ke untuk tahun 2011 ni.....
Dynz Post at 23-12-2010 12:54







encik dynz pun bile lagi nak ehem2...  
ke dah ehem?


err... ehem2 tu amende?


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Post time 23-12-2010 03:12 PM | Show all posts
Reply 4# system_failure


tak payah kurangkan deting mod....angkat tapau terus (err...i mean nikah )...boleh reduce tax...ko nikah bulan jan 2011 pstu bulan 9 ko dpt baby....trs leh declare tuk tanggungan anak taun 2011...serta merta tax ko akan dpt byk rebate siap LHDN kasi cek duit terlebih bayar taun 2012 nnti....ekekekekeke!
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Post time 23-12-2010 03:14 PM | Show all posts
Reply 6# system_failure


mod...ehem2 tuk kami (kaum tgn yg menghayun buaian boleh menggoncang donia ) adalah tambah melebihi 4 (no limit)..tp ehem2 tuk korg org lelaki nih quota takat 4 jek
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Post time 23-12-2010 03:31 PM | Show all posts
My Financial Planning for 2011 pulak......jeng..jeng..jeng!

1) Tambah principal dlm ASB jd 6 angka......tmsuk la cash, sijil juga asb loan
2) Tambah koleksi barang2 kemas sbb gold bar, coin smua xleh pakai tuk melaram (klu sesak nak guna cash ar-rahnu kan ada )
3) Paksa babang beli gold bar/coin/dinar....dari dia perabih duit beli sport rim moto & kete......(baru je beli kawasaki klx 150 dah perabih spotrim + tayar rm1k++.... )

4) Nak tambah baby lg (insyaallah...) kesan secara tak lgsg = tax babang dpt dikurangkan....pstu elaun/bonus/belanja/duit poket sayer as wife/ibu akan bertambah ...boleh simpan sikit dlm asb lg
5) Invest dlm public mutual every 3 months guna duit epf


emmm....tu je setakat ni....nnti klu ada lg sy tokok ye mod......pesanan penaja~gambar sekadar hiasan

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Post time 23-12-2010 08:20 PM | Show all posts
Reply 7# 220796







wahh...
aku tak pernah tau pun kalau menikah boleh reduce tax... biar betik..
dah mcm kat singapor pulak... goverment kasi duit dan boleh reduce tax untuk famili yg anak ramai...


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Post time 23-12-2010 08:23 PM | Show all posts
gua plan nak kumpul kurang2 2 juta
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Post time 23-12-2010 08:25 PM | Show all posts
Reply 9# 220796








nak beli emas physical tu memang boleh..
tapi kalau boleh jangan la sampai orang (terdekat) tahu...
kang nanti rumah kena rompak pulak...

aku sendirik bukak gold saving account.....
takut kalau simpan kat umah nanti lanun kebas....  <-- aku mengata siapa nih ek?



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Post time 23-12-2010 09:15 PM | Show all posts
kalu masih bekerja & ade monthly income, insyaallah aku cuba :
- tambahkan gold saving
- convert cash to gold & silver
- kurangkan merayau dgn kete tk tentu hala. (kurangkan duit minyak, tol, )
- kurangkan shopping benda2 mengarut (utk tambah cash)
- nk buat income dgn my current property (tengah fikir2 lg)
- usha2 utk tambah income
- travelling tetap kena travelling, tkleh delete dr yearly plan..it's a reward for myself after a hard work  

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Post time 24-12-2010 09:34 AM | Show all posts
Post Last Edit by 220796 at 24-12-2010 09:41

Reply 12# system_failure


jiran tdekat xtau....hangpa kat sini je tau.....tp hangpa smua xtau umah chek kat mane
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Post time 24-12-2010 07:22 PM | Show all posts
my plan for next year:

1. increase the monthly saving margin by 5%
2. start bayar zakat pendapatan monthly
3. start saving up (consistently) for traveling purpose
4. Eying on my very first house, harap2 dapat yg memenuhi specs
5. increase my parents' monthly allowance
6. to be frugal on expenses, reduce unnecessary shopping


harap2, bertamabh rezeki (gaji) for all that to happen.

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Post time 25-12-2010 12:49 AM | Show all posts
ini pula my plans for next year insyallah

1. Increase the ASB monthly saving to RM500/ mth
2. Expand my company from construction to trading works and consultancy
3. Reallocate the office from house to office lot
4. Invest money for my parent for Haji
5. Cut budget for Transformers toys to only RM300/ mth
6. Start paying for my scholarship financial installment
7. Increase side income by teaching tuition classes everyday
8. Save money for down payment at least Rm500/ mth to buy new car. Bye Bye Proton~ TQ for making my life miserable.

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Post time 25-12-2010 03:33 AM | Show all posts
5. Cut budget for Transformers toys to only RM300/ mth
allsparks Post at 25-12-2010 00:49







wahh....
byk betul encik allspark berbelanje untuk transformers yer.......  
bagus laaa dah cut budget....

tapi kan....
transformer pun boleh dijadikkan aset investment tau...
boleh jual balik akan datang....
limited edition......


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Post time 25-12-2010 03:36 AM | Show all posts
tp hangpa smua xtau umah chek kat mane
220796 Post at 24-12-2010 09:34







sonang aje tu bah.....
aku tau... rumah hang kat..... malaysia.......

tak mungkin rumah hang kat uganda.....


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 Author| Post time 25-12-2010 10:18 AM | Show all posts
ini pula my plans for next year insyallah

1. Increase the ASB monthly saving to RM500/ mth
2. ...
allsparks Post at 25-12-2010 00:49



    yeah...aku pun nak said bye bye to proton
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Post time 25-12-2010 04:43 PM | Show all posts
plan taun 2011:

1. Continue menabung dalam AHB ...at least 8-10% of my salary
2. Continue menabung dalam Tabung Haji, walaupon ntah bila plan nak gi haji ..
3. Nak belajar invest in REIT, Public mutual and Gold saving. Nak start bisness sendiri tak dak experience ..
4. Lebih berjimat cermat, stop unnecessary shopping
5. Nak kumpul duit utk beli rumah kedua dan seterusnya ... duit tadak nak wat downpayment ..
6. Kene start carik side income, kalau harapkan gaji shj sampai bila pon tak kaya
7. kurangkan kekerapan tgk wayang. Baik donload movie kat Warez porum jek FOC ..

lain2 ... tak plan lagi

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