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Reply system_failure
haha...jgn tertipu abe mod...tu semua loan tu saya buat...first saya ...
yus262 Post at 21-1-2011 10:01 
itu zmn boleh buat OD. budak2 skrg ni terpinga2 la apa dia OD tu sejak PNB sekat terus individual OD. but yg nak buat OD vs FD/property masih boleh. |
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Post Last Edit by 220796 at 22-1-2011 08:16
Reply 100# tobby
hehehe.....mmg if beli kete import kat negara lain lebih murah selain malaysia.....kat labuan sabah, langkawi, lg mane ye kat mesia ni mmg murah.....kurg 50% hrga tu....sbb 50% tu gomen tax....bygkan rege civic tnpa tax sama dgn sibijik persona......mmg habis kete nasional....ada bagusnye gak......hnye golongan yg sggup berhabis yg beli......
sy juz tompang nama je.....smua expenses for the imported car belongs to the husband.....klu sy yg jenis kedekut ni sy pakai viva je....hihihi! dah nak msuk taun ke3 mmg lgsg xde problem.....mmg 5 star la....  ...x perlu nak guna RON97 pon....sy guna RON 95 dari dulu....cuma sesekali je bila ada feeling nak lebihan power guna RON97......tp klu asyik guna RON97 mmg sy xleh nak achieve plan kewangan 2011 ni nnti....ape tah sy plan aritu...hahaha!
igt nak beli dinar emas gak la...tukar emas 916 ke 999....... |
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Reply 102# 220796
wahh... baru 22 ari jek tahun baru dah lupe plan 2011?
nak kena belasah nihh...  |
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Reply 103# system_failure
alamak..mod marah....jap2, nak guna function "view this author's post'....
ok..ok...dah refresh memori.....sy igt part tambah baby jek ..... |
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Reply 104# 220796
hohoho... kecerdasan memori anda di waktu kecemasan amatlah menakutkan...
jgn mare.....  |
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thread nie dah smpai 100posts...byk betul feedback...bg aku new idea ...masih belum terlambat nak plan sbb masih januari nie..kalau februari dah terlewat dah 
nnti hujung tahun..kita bukak lagi satu thread...tgk plan sapa yg kena... harap mod boleh sticky thread nie |
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Back then when i was at ur age and earning that much, i went into IPO thingy to duplicate my money f ...
jentayujingga Post at 3-1-2011 15:30
i suggest u wait till next year baru start property haunting...property tak mustahil drop as what happened in US subprime be4..senario yg sama sedg akan berlaku skang later kalau takder mekanisme yg sufficient in controlling the price  |
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Post Last Edit by jentayujingga at 26-1-2011 22:42
i suggest u wait till next year baru start property haunting...property tak mustahil drop ...
amirul_nazri Post at 23-1-2011 12:01
i wonder despite the new ruling of LTV 70% for the 3rd house onwards, property still sold out like pisang goreng panas.
some were even sold out before their official launch . some were sold the minute they launching it and some were sold out within less than a week it launches. still, property are all sold out.
worst, esp in kawasan pembangkang towncity like klang valley, where they didnt even bother to offer the 7% discount for bumiputera (watmore to allocate specific bumi lot) because bumiputera is not their targetting market. majority of bumi simply cannot afford to buy because of the lower purchasing power.
we take for instance area allocated specifically for bumiputera in Mutiara Tropicana, where to date out of 48 units of houses launched 20++ were remain unsold. the land were belongs to JAIS and they had JV with HICOM Property to develop the land, hence they wanted only muslim bumiputera to buy it.
sad but true, it is the only piece of land within that prime area were not be able to sell out. the rest were mushrooming like nobody businesses. if only it open to other non-bumi buyer, i bet, it will be like any another pisang goreng panas within that neighbourhood.
take Desa park city for example, their initial launch back then was abt 3-400k++, subsale 3 years ago fetching 5-600k++ and still fetching greater ROI now with same property valued at nothing less than RM1.2mn. even so, their newly property launches were sold within minutes! (not even hour) with all confirmed, paid booking at 10% min dpayment (if rumah RM1mn , 10% booking is RM100k - imagine how the non-bumi purchasing power??)
as we know, landed property in towncity like klang valley become scarce esp landed residential with freehold tittle. wat is left for us bumiputera later esp zaman anak anak kita nanti if we were not be able to grab watever that being offered NOW. where & how will our children going to live in future where we all know, city living provide better education, better living & watnot. all the opportunity are at city centre.
at 4% inflation, RM100K today will be worth only RM67,566 after 10 years. 20 years down the road, RM100k today will be worth abt RM33,783 and if you have RM1mn today, it will be equivalent about only RM300k++ later. at the same time if anyone can recall hak hak bumiputera makin lama makin tergugat dan digugat, can we guarantee any special discount will be catered especially for bumi later?? will all the well-known high reputation developer dare to care for us, bumiputera?? tgk aje kampung baru, kuala lumpur.
so, what is left for us, for our next generation??? what's the mechanism that best hedge against inflation & time????
20 years ago, landed property at subang jaya cost less than 100k. how much is the same houses worth now?? 10 yrs ago, landed property intermediate link house 22x75 at BTHO for example cost us RM130k, but the same size offered now fetch the price nothing less than 400k. 5 years ago, desa park city intermediate terrace house cost abt 5-600k, now it cost us circa 1.2mn for 22x75 intermediate link. crazy?? property bubble?? heh.....
i personally think, property is one of the way that can hedge agains time & inflation.....of course in this topic, i am concentrating myself to property that suit ONLY below criteria:-
1) klang valley
2) landed property
2) freehold
which at the moment give the best capital appreciation ever (selain penang). its getting scarce & limited. of coz there are many sub urb area that going to develop like rawang, nilai and such, but its quite a distance from the city, and the appreciation quite lambat ada tue terbantutttt terus like Bkt Beruntung. hmmm....
as ada pepatah bijak pandai mengatakan, "work hard today as if u re going to die tomorrow".....so, i personally think and feel that we should seize the opprtunity NOW.
mcm bon jovi nyanyi, its NOW or NEVER....... |
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plan 2011
1. by june 2011 - langsai semua hutang piutang, debt free.
2. gaji 100% --> semua park ke akaun forex & cpo
3. topup asb sebrp byk yg pnb benarkan
4. bersedekah lillahi taala |
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antara plan yg sangkut,
i) tambah modal forex ke usd2000 utk maintain income USD100-200 seminggu
ii)tambah modal AHB ke 5K
iii) Beli 10g wang emas pada setiap harijadi anak sorang satu
...
putragold Post at 29-12-2010 15:39 
Plan i dan ii dah tercapai. Plan iii tunggu birthday anak.
tambah plan satu lagi.
iv) Invest 20g emas 999 kat CIMB Gold account. dan maintain 5g setiap bulan kalau mampu. |
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Reply 112# wanitajelita
nak ngorat tuh pastikan jugak dia nyer income - expenses maseh tinggi..
tak guna gaji tinggi kalo lps tolak xpenses tinggal 10% sajork  |
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Reply wanitajelita
nak ngorat tuh pastikan jugak dia nyer income - expenses maseh tinggi. ...
baby_pingu Post at 2-2-2011 11:35
mana sepanduk "setuju" nie?
jangan nanti perbelanjaan melebihi pendapat....deficit lak kang  |
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Reply wanitajelita
ada jer employee yg gaji >8K, tp ada masalah ekonomi...gara2 tak reti nak ja ...
baby_pingu Post at 2-2-2011 20:31
ada.. mamat manager HP yg aku kenal 
ko ni HR ke? |
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Reply 117# wanitajelita
aku mmg kat line HR..tapi HRIS...ngeh ngeh |
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Reply wanitajelita
aku mmg kat line HR..tapi HRIS...ngeh ngeh
baby_pingu Post at 2-2-2011 21:17
tapi memang kebanyakan bila gaji dah >7ooo ni akan tukar kereta 100,000 ke atas.. mcm dah jadi trend. diorang rasa dah cukop banyak gaji 7000 tu.
padahal kalau gaji 7000 pakai honda = tak cukop
tapi gaji 7000 kalau pakai wira je = cukop
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Reply 119# wanitajelita
kalo ikutkan gaji 4K pun bleh dah 100K above..
cuma aku rasa 100K above vehicle tuh lebih pada kemahuan, bkn keperluan....
ada certain org, gaji 3K ja, tp dah ada umah sendiri, malah ada yg aku kenal ada 2 umah, satu dia n family dia stay, satu dia sewakan...
org camnih aku rasa lebih pandai manage duwet dr org yg pakai kereta hebat tp maseh menyewa... but ni aku nyer personal opinion jek, maybe org tuh salurkan duwet dia kat tpt len, aku tetaw la...
tp advantage yg gaji besar nih, kalo diaorg sedar cepat n manage their financial, mmg senang hidup...
aku ader jek kwn engineer..pernah dtg kat aku share masalah dia..
mula2 share masalah prestasi kerja, yg bila aku korek2 balik actually start ngan financial dia yg agak disaster masa tuh..sedangkn gaji dia dah tahap selesa bg aku...
ni cerita 2009 dulu, this year dia dah ok..prestasi naik, gaji naik, financial stable...sekrang tgh gigih simpan duwet nak kawen this year...
im happy for him cos dia sedar cepat... |
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Reply wanitajelita
kalo ikutkan gaji 4K pun bleh dah 100K above..
cuma aku rasa 100K abo ...
baby_pingu Post at 2-2-2011 21:48
sebenarnya masalah utama adalah LIFE STYLE.
bila gaji dah >5000, mulalah gatal2 plan nak beli Honda. kalau sebelom tu lepak kat kedai mamak, bila gaji dah banyak tu, lepak kat Starbucks plak. konon2 nak menikmati hidup.
tapi masalah takkan selesai jugak. sebab walaupon gaji makin banyak tapi nisbah perbelanjaan mereka tetap sama
cuba gaji 7000 tapi menten lifestyle dan expenses masa gaji 3000.. barulah ada duit lebih utk pelaburan, rewards, dan kebajikan. contohnya mcm aku lah.. walaupon gaji dah naik tapi aku tetap naik kereta yg sama. malah, kalau dulu aku beli barang dapor kat TESCO yg konon2 murah skrg aku beli kat MYDIN atau pasar tani je... sebab nak jimat supaya duit banyak lebih.
hasilnya, skrg memang ketara la sampaikan boleh attend kelas grooming dan bakery class pada bulan yg sama |
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Reply 121# wanitajelita
mydin lagi murah dr Tesco ek?
tapi kalo nak pegi mydin, parking kena byr...ader dpt kupon2 cam tesco tak?  |
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Category: Belia & Informasi
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Post time 22-1-2011 02:04 AM
Author
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