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Plan kewangan 2011

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Author: amirul_nazri       Show all posts   Read mode

Post time 3-1-2011 04:06 PM | Show all posts
if i am you...will buy an apartment at any strategic location..then sewakan 2 bilik yg lain ke ...
amirul_nazri Post at 3-1-2011 15:58


i think this is a good idea!

beli apartment utk tinggal sdirik, bilek lebe tu rent out. at least, boleh jaga rumah sdirik while ada penyewa. and silap2, duit penyewa tue ajek dah leh cover monthly payment rumah tue. as good as duduk rumah free, tp at end of the day milik sendiri.

use other ppl's money to pay our own property
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Post time 3-1-2011 04:22 PM | Show all posts
nk bli aprtment tuk jd aset (sewakn)...
bru 1st time cbe...msih mncri2
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Post time 3-1-2011 04:31 PM | Show all posts
Jentayu:

Market usually discriminated bumi units. There has been instances bumi units resale is more than proportionate to bumi 7% disc.

Sbb bumi units esp in selangor comes under stringent rules agains flipping.

Check balik btol2. Very risky what you intend to do.
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Post time 5-1-2011 02:41 PM | Show all posts
td sudah update asb, withdraw skit asb, pegi uob beli maple leaf sekeping sbb arini gold price drop sedikit.  1% of my 2011 plan sudah tercapai, convert cash to gold. harap2 lepas ni berjaya kumpul lebih byk gold  
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Post time 5-1-2011 03:12 PM | Show all posts
td sudah update asb, withdraw skit asb, pegi uob beli maple leaf sekeping sbb arini gold price drop  ...
arwien Post at 5-1-2011 02:41 PM



   
arwien,

maple leaf tu aper yer?..
kegunaannyer?...
sorry saya budak baru belajar bab2 simpanan ...
sharing is caring
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Post time 5-1-2011 06:03 PM | Show all posts
Maple leaf = gold coin, canada. Bank negara kita pakai kijang.

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Post time 5-1-2011 06:24 PM | Show all posts
Post Last Edit by arwien at 5-1-2011 19:11

Reply 85# hiriko

canadian gold maple leaf - The Canadian Gold Maple Leaf is the official bullion gold coins and is produced by the Royal Canadian Mint. Ketulinan 999. Kat KL ni bole beli kat UOB jln raja laut. Branch lain tk pasti ade ke dak.
antara kelebihan maple leaf ni adalah harga yg rendah berbanding gold bullion yg lain dan spread value yg rendah.
(spread = peratus perbezaan antara harga belian dan jualan).
Tp kekurangan dia, tak berapa sesuai kalu nk gadai kat bank, sbb nnti nk jual balik tinggi susut nilai jika ade calar2. Kalu utk nk simpan ke sesuai la..

bole check harga kat sini :
http://www1.uob.com.my/jsp/finance/fin_gold.jsp?func=gold

utk lebih details, please do some reading on gold before you decide to invest. Nk citer details, panjang lak.

http://jutawanemas.com/v1/artikel-terdahulu/

http://www.nubex.com.my/v2/index.php/cPath/1

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Post time 5-1-2011 06:56 PM | Show all posts
Reply 86# kabukiman

kijang ni susah benor nk dpt stok..tanye jer tkdak stok..ramai benor ke yg dok beli kijang ni ?
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Post time 6-1-2011 03:49 PM | Show all posts
perancangan kewangan 2011 nieh
1-nak tambahkan simpanan dalam asb, kuarkan duit dr kwsp masuk dlm nieh
2-nak tambahkan simpanan dalam amanah saham didik (utk anak)
3-beli emas perhiasan secara kutu (ini kalau sesak )
4-tambah gold saving kat maybank
5-letak duit berlebih dlm ahb
6-setat meniaga sendii dengan leih serius, dapat wat jalan kat sabak bernam pun okie..hehehehe
7-kalau ada duit, nak beli tanah utk tanam sawit..atau beli rumah kat ipoh utk buat 'homestay'

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Post time 7-1-2011 05:22 PM | Show all posts
perancangan tahun ni
1) nak menabung dalam ASB
11) nak langsaikan utang belajar dulu..
iii) nak majukan bisnes
iv) nak tambah duit mak ayah
nak belajar mcmana nak buat gold saving nih..n nak educate mak ai..sbb banyak sgt brg kemas dia..rugi kalau tak buat pelaburan emas nih

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Post time 7-1-2011 08:56 PM | Show all posts
Reply 90# julia5094


gold  saving kalu korang compare, uob punye spread value dia sgt rendah. dlm 1.5% jer. public bank & maybank lg tinggi.
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Post time 12-1-2011 11:04 AM | Show all posts
antara plan yg sangkut,

i) tambah modal forex ke usd2000 utk maintain income USD100-200 seminggu
...
putragold Post at 29-12-2010 15:39




boleh share tak camner nak main forex ni.
tima kasih..
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Post time 12-1-2011 03:15 PM | Show all posts
Plan 2011...

Sgt simple,sbb dah buat byk silap last year.....

1. Denda diri sendiri, xleh shopping sesuka ati.....kecuali time melancong dgn budget yg terhad....
2. Simpan gaji max mungkin
3. Simpan hasil sewa umah
4. Jgn keluarkan simpanan....
5. Tambah ilmu ttg any pelaburan utk perancgn 2012

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Post time 14-1-2011 10:41 AM | Show all posts
bila sebut pasal gold plak, aku punya perancangan..
nak beli satu pump suisse ngan maple leave..
ada sapa2 boleh tolong aku, kat mana nak beli benda-benda nieh
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Post time 20-1-2011 08:43 AM | Show all posts
Reply 94# remizati


    pamp suisse ade kat habib..rege cam mahal je..

maple leaf kat UOB branch ler...kekadang takde stock,aritu pegi nak beli pun takde,yg ade cuma Australian Nugget je..so,belasah je la daripada takde kan..baik beli yg 1OZ daripada 1/2 OZ dan 1/4 OZ kerana yg 1 OZ tu lagi rendah spread...

1OZ=31.105gram
1/2 OZ = 15.550gram
1/4 OZ = 7.780gram


setakat ni sudah ade Aussie Nugget,Pamp Suisse,Public Gold,Bunga Raya

dah start membeli silver sikit2...
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Post time 20-1-2011 08:50 AM | Show all posts
ramai nya yg nak beli emas kan..hehe

tahun ni rasa macam nak berehat jap la..
1. fresh asb loan 50K dah approve, total dah 230K
2. penuhkan balik ODASW - baru tercapai semalam....
3. Bayar credit card..ade lagi 18K..ni hutang takde interest ye sebab ni dah ditransfer dan bayar 0% interest...hehe, april ni dijangka settle sebab bonus company
4. Buat AHB Loan esok...kene cepat, ade 120juta lagi balance...
5. Naikkan elaun untuk mak...
6. Daftar Haji ...
7. Kurangkan melancong ke bandung...hahahahhaa

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Post time 20-1-2011 10:36 PM | Show all posts
Reply 96# yus262


wahh... ASB hang dah 230K?  bes! bes!
bgtau laa resipi rahsia hang..... aku berminat nak tau nihh...
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Post time 21-1-2011 10:01 AM | Show all posts
Reply 97# system_failure


    haha...jgn tertipu abe mod...tu semua loan tu saya buat...first saya buat 180K loan + 20K OD...selepas dua tahun saya tak usik dividen tu ade dlm tu 230K...pastu saya terminate OD 20K tu dan keluarkan 30K tu...jadi total loan 180K...pastu saya buat balik 50K + existing loan 180K tu jadi la 230K ...haha...paham ke nie...

next target tak tahu lagi...tgk dulu samada kental ke tak jiwa untuk tidak menyentuh dividen tu selama beberapa tahun...
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Post time 21-1-2011 07:33 PM | Show all posts
Reply 96# yus262

bagus cik yus..azam yang last tu yni pun nak jugak..tapi tu la..mcm failed ja..btw..klu wat personal loan n labur duit tu utk gold saving ok  tak?hope kawan2 kat benang ni dapat bg pendapat...
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Post time 22-1-2011 02:00 AM | Show all posts
ayat last tu bang kang ngamuk org yg pro proton  .......(pssstttt....sy pon xde proton..... ...
220796 Post at 26-12-2010 10:16


copy paste dari thread sebelah:  

tu aa....    ekceli,,pembeli kereta jenama luar,,,,, mereka bayar lebih tax kepada kerajaan.....
patut kerajaan wat income tax sampai 50%, tapi transfer tax tu akt kereta,,,,tapi cuma kereta luar negeri aa kan...utk protect kereta local.....
bagus gak,,,aku suka gov buat camtu....

bagus gak gomen tax gila2 kereta import, as tax mechanism sbg ganti kpd cukai pendapatan. sbb bukan semua org bernafsu pakai kereta mahal2.  klu income tax semua org kena. klu tax kereta import, golongan yg minat kereta best2 jer kena. lagi satu yg patut krjn tax kaw2 ialah rokok. harga RM10 sekotak rokok bagi aku tak cukup mahal. sepatutnya RM50 sekotak. sbb RM50 sekotak pun depa beli gak utk bunuh diri sendiri.
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