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Plan kewangan 2011

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Author: amirul_nazri       Show all posts   Read mode

Post time 18-4-2011 05:08 PM | Show all posts
Reply 182# Pr|nCeSS^M|cKeY

rajin2 le membaca.....google search ada byk fungsi dia....more than 50% dari ape yg sy tau ttg emas ni melalui pembacaan. sbb klu terang2 je payah nak paham.....basic dia ada cash beli emas, then gi ar rahnu pajak tuk tempoh 6 bulan....pstu dpt cash beli emas lg....bulan berikutnye pajak lg...then dpt cash beli emas lg...

repeat the same steps selama 5 or 6 bulan....sy pon baru mula bulan lepas so x nmpk hasil lg.....mcm sifu tu kat dia juz bg info yg teori...kite sndiri kene aplikasikan teori tu mjadi praktikal...jgn copy paste sebiji2 cara org tu...tp follow cara sndiri sbb tahap kemampuan seseorg tu bbeza & income juga expenses pon lain2....

pasal ar rahnu pon ada byk diterangkan kat dlm web,forum,blog dll....kat sini pon ada. http://jutawanemas.com/v1/pelaburan-emas/memajak-emas-public-gold-di-ar-rahnu-agro-bank/

join group bicaraemas@groups.facebook.com kat fb....dorg buat seminar emas tu kat byk negeri.....
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Post time 18-4-2011 07:08 PM | Show all posts
aku berangan nak buat loan ASB. boleh dapat dividen
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Post time 19-4-2011 11:18 AM | Show all posts
Reply 184# masnina


sy buat asb loan ni jun 2010...statement kuar bulan jan 2011 tulis smua amount kat asb tu tmsuk sijil yg dh dicagarkan tuk OD, asb loan juga cash yg ada....tgk total amount tu boleh senyum sorg2....hihihi!
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Post time 20-4-2011 08:28 PM | Show all posts
Reply  masnina


sy buat asb loan ni jun 2010...statement kuar bulan jan 2011 tulis smua amount  ...
220796 Post at 19-4-2011 11:18



    kenapa senyum sorang-sorang? tak faham
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Post time 20-4-2011 08:36 PM | Show all posts
Reply 186# masnina


sbb dia tulis total ALL...tmsuk ASB loan punye principal + amount yg disijilkan tuk OD + cash yg sedia ada kat dlm tu + dividen + bonus.....sygnye yg betoi2 amount yg boleh diguna cuma 20% dari tu je...hehehe!
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Post time 24-4-2011 09:03 PM | Show all posts
My financial planning utk 2011:-

i want to manage my investment portfolio prudently. should my n ...
jentayujingga Post at 29-12-2010 00:37



happy to update my plan kewangan 2011 already achieved in first half of the year

1) buy new property utk top flip. checked, change of plan: buy to stay
2) or, make money from my current property (min 50% appreciation dah ada dlm tgn) - checked, with handsome gain
3) hasil top flip nak sumbat ASB sampai max - checked skang pegi shopping tgk aper2 brg rasa tak teringin dan tak heran ajek...wakakakakak
4) pehtu repeat perkara 1 & 3 again n again - on the way....

as a token of appreciation, hubby belanja my parents and all of us utk menunaikan umrah masa bulan puasa nanti......syukuuuuuuur for the rizq.....

so, 2nd half of the year punyer plan....nak penuhkan saving account anak2 with target of RMxxxk each in their account. cara2nya...........mungkin nak invest on pcg or felda soon.....

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Post time 24-4-2011 09:21 PM | Show all posts
update.. hehehe...

1. tak jadi double..... dah quadruple last week.........    ( completed )
...
aarie Post at 7-2-2011 18:00


dude,

happy to read urs too......not only double but quadruuple? congratsss!!!

i read dulu u ada citer abt ur uncle yg beli rumah cash and lps tue buat od and sumbat dlm pchem tue....want to know more of his strategy....... story mory detail sket beb....nak buat pedoman....hehehe
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Post time 28-4-2011 04:26 PM | Show all posts
i read dulu u ada citer abt ur uncle yg beli rumah cash and lps tue buat od and sumbat dlm pchem tue....want to know more of his strategy....... story mory detail sket beb....nak buat pedoman....hehehe
jentayujingga Post at 24-4-2011 21:21


ada citer ke?...

kalau ada pun it was a friend's father... dia beli rumah cash and pledge the house for standby OD/ flexy loan...
bayar cash... dia dapat diskaun banyak.. and since the hse tu fully paid, dia boleh guna as colateral......

bila ada good stock/ipo... dia guna laa standby facility tu masuk.......  
sampai target price.. letgo and bayar balik facility tu...

and tunggu lagi........

so rumah pun cantik... standby cash for investment pun ada...
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Post time 30-5-2011 07:41 PM | Show all posts
hujung bulan 6 nak update perkembangan Plan Kewangan 2011...
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Post time 31-5-2011 12:20 PM | Show all posts
hujung bulan 6 nak update perkembangan Plan Kewangan 2011...
wanitajelita Post at 30-5-2011 19:41



    Please share
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Post time 31-5-2011 02:52 PM | Show all posts
Salam to all,
I pun nak share sikit info tentang Financial Planning 2011 ni...berdasarkan sedikit maklumat dari korang dan rujukan dari sumber lain ini yang terdaya aku buat hasil dari sedikit duit dari arwah ayah yang meninggal pada hujung tahun lepas dan duit simpanan aku sendiri.

1- Tambah pelaburan ASB ke - RM100,000.
2. Buka akaun Bank Rakyat - RM5K masuk saham RM500 ( baru teringat nak masuk ), buka Akaun Simpanan Tetap - RM10K
3. Masuk pelaburan AHB - RM10K.
4. Masuk saham Bank Persatuan - RM2K ( baru dapat info, so terus ke masuk jadi ahli )
5. Beli rumah baru - Teres 2 tingkat di Sungai Petani ( RM190,800 ). Dah selesai buat down payment RM90,800( sekali EPF - rumah pertama) ... Loan bank RM100K.
6. Selesaikan baki pinjaman kereta Perodua Alza yang baru dibeli pada bulan Jun tahun lepas. ( sebab nak elakkan pertindihan dengan bayaran loan rumah nanti ).
7. Ada baki tunai dalam RM20K sedia mencari peluang untuk dilaburkan dalam mana-mana bank.
8. Ada baki RM100K dalam akaun EPF untuk aku plan buat pelaburan dalam mana-mana saham nanti. ( Borang aku dah isi )...

Untuk makluman korang, pendapatan aku sebagai IT Officer di syarikat swasta di Kulim, Hi-Tech ni cuma RM3K sebulan. Isteri tidak bekerja dan aku mempunyai anak 3 orang. Tapi alhamdulillah, aku gunakan kelebihan pengetahuan dalam bidang IT ini untuk membuat bisnes sampingan cukup sekadar untuk menampung bil-bil bulanan dan aktiviti makan angin....

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 Author| Post time 31-5-2011 03:53 PM | Show all posts
Post Last Edit by amirul_nazri at 31-5-2011 16:47

Keputusan target perancangan kewangan aku setakat 31 May 2011

1. Target nak increase saving kat asb by another 20% per month...kalau2 takder halangan la...
Kadg2 dpt 20%..kadg2 10% ajer...sedg menuju puncak akaun nie...insyaallah

2. Target increasekan compounded return dpd kerja trading di financial investment instrument by another 5%
Berjaya konsistently collect positive return on monthly basis.. walaupun macam2 isu global berlaku..hutang greece lah, tsunami jepun la, gempa bumi di NZD, unrest di middle east la..tp masih steady generate return dlm futures market (That's why i like 2 ways market )...sedang bertarung lagi nie ..yearly target is on the way..

3.
4.

5.Nk menyimpan 200 sebulan  utk travelling purpose
Alhamdulillah...kerja aku mmerlukan aku bekerja sambil bercuti every month..bermula dgn Laos, Islamabad, Dubai, Morocco, Laos on 2nd trip dan Cambodia pada 21 June nie pula...Bulan 9 target gi Ungula, South Africa...oleh kerana fully sponsored by the company, maka aku dpt save RM 200 per month

6. nak melabur dlm emas physical...mungkin nak beli gold coin sbg aset jangka panjang
Tak start2 lagi...entah...aku rasa gold dah jd buble asset...tunggu dia jatuh tiruk baru aku beli byk2...tetap nak beli yg physicalll..kerna akan terrasa kewujudannya di sisi ku..

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Post time 31-5-2011 07:48 PM | Show all posts
Reply 193# Abg_Naz


    great...
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Post time 1-6-2011 12:20 PM | Show all posts
Reply  Abg_Naz


    great...
koken_7 Post at 31-5-2011 19:48


Thanks...
Remember... kita akan berhadapan zaman kenaikan segala macam kos kehidupan dimasa akan datang. Subsidi akan dikurangkan secara berperingkat.. aku cuma risau tentang kenaikan kos bahanapi dimana ianya akan menyumbang kepada kenaikan harga barangan secara global oleh pembekal dan pekedai yang akan mengambil kesempatan....
Becareful with your money... dan rancang masa hadapan anda dengan sebaiknya....
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Post time 1-6-2011 02:33 PM | Show all posts
update plan as of 06/01/2011

1) expenses capped at 400 per month - kalo time cuti semester ada belen lagik  by end of the month
2) makan mewah berada di tahap terkawal, pegi enjoy makan2 bila ada certain celebration ja, tp berat blom turun2 lagik
3) AHB dah takleh topup  - haku malas dah la nak topup..leceh nak pegi counter..duit tuh simpan as cash reserve
4) next semester blm start lagik, tp dah ada saving utk 1 paper, kena korek tabung kalo register lebih dr tuh or berharap kompeni bg bonus
5) kena start saving balik tabung haji cos aritu kuarkan utk emergency nih dlm process byr balik secara ansuran, interest free
6) kena start simpan utk cash reserve - alhamdulillah bleh simpan same amount eventho dah start byr umah
7) simpan 50-100 per month separately from cash reserve..persediaan utk next asset - yg nih freeze for a while...everything letak sekali ngan cash reserve jah..nak bg cepat2 naik total cash reserve    
8) target 13th bonus - 1K masuk lam loan umah - execution in Dec

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Post time 1-6-2011 02:55 PM | Show all posts
aku pun dah lupa ape aku punye original financial plan.
tp yg aku tengah execute skrg
- selling off my 1st property
- tutop all gold saving account, sbbnye bile research2 balik, tk syariah based la gold saving ni (kecuali gold saving dgn Kuwait Finance House)
- duit gold saving tu aku nk beli barang kemas, memandangkan skrg ar-rahnu dah tk accept gold bar/coin utk pajakan.  Tp tunggu la, mcm terlalu tinggi la plak harga barang kemas skrg, tunggu dia rendah skit.
- kalu harga melambung tinggi mau jual sebahagian gold bar/coin yg sedia ade.
- top up balik ASB/Tabung Haji yg aku bwk kluar lepas dpt dividen aritu.

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Post time 3-6-2011 10:27 AM | Show all posts
isk...topic prancangan kewangan ke ni?
ke prancangan keluarga?
friends80 Post at 7-2-2011 20:41



   
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Post time 3-6-2011 10:29 AM | Show all posts
Please share
MACD Post at 31-5-2011 12:20



    tunggu hujung bulan 6 baru update sebab time tu baru dah dikira setengah tahun


MACD kenapa tak share?
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Post time 3-6-2011 11:08 AM | Show all posts
Salam to all,
I pun nak share sikit info tentang Financial Planning 2011 ni...berdasarkan sedikit m ...
Abg_Naz Post at 31-5-2011 14:52

Hebat la bro boleh target simpan 100k walaupun gaji 3k je.
Teruskan usaha.

Nak tanya sikit business IT tu camne, format PC, buat web site camtu ke?
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Post time 3-6-2011 11:10 AM | Show all posts
Alhamdulillah...kerja aku mmerlukan aku bekerja sambil bercuti every month..bermula dgn Laos, Islamabad, Dubai, Morocco, Laos on 2nd trip dan Cambodia pada 21 June nie pula...Bulan 9 target gi Ungula, South Africa...oleh kerana fully sponsored by the company, maka aku dpt save RM 200 per month
amirul_nazri Post at 31-5-2011 15:53

Wah..Kau kerja apa bro sampai leh travel semua tempat ni.{:1_115:}
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