Plan Kewangan 2012

wanitajelita

Reply 120# tuakang


   sebok je. org mcm tu dia pon nak cakap mcm tu

tuakang

Reply 121# wanitajelita


    x bz pun .. u fasa re-stable balik ..

i fasa tunggu dan lihat ..  

Jesse_Mccartney

azam taun baru .. nak carik side income 1-2k / month ...
utk top up saving sedia ada ...

saving account dah kecairan ...

muda_nerq

Kawen dgn datin kaya...<----- Ni boleh kira plan kewanganx?

aarie

Kawen dgn datin kaya...
muda_nerq Post at 24-1-2012 03:48

azizi ali angguk2 kepala........... ya laa tu

avagoddess

Kawen dgn datin kaya...
muda_nerq Post at 24-1-2012 03:48

    kalau kawen dgn datin kaya mesti awk byk makan hati nanti. semua benda dia yg control... awk jadi trophy husband jerk... wkakaka...

muda_nerq

kalau kawen dgn datin kaya mesti awk byk makan hati nanti. semua benda dia yg control... a ...
avagoddess Post at 27-1-2012 11:13

   Macam ada pengalaman jer. Cer crita cer crita....

no~yean

plan no.1 dah 50% berjaya..alhamdulillah..kalo ada rezeki lebih nak tambah lebih dari target..

plan no 3..dah standby check pun..tinggal nak submit je..

plan no 4 100% success tapi nak tambah koleksi lagi..

snowyqueeny

since baru nak start kerja nanti, so takmo extreme2 lagi
-as for now, my planning for gaji lebih kurang ginila insyaAllah

25%: untuk parents insyaAllah
20% + 5%: saving + emergency
25%: yang wajib dibayar
25%: belanja diri sendiri

-nak usha2 n survey2 possible side income business kalo tak busy kerja

aarie

plan for 2012?...
1. retail outlet siap, lock in period pun dah over, pay-off bank and pledge for facility and withdraw current FD
2. transfer sumer FD to ASW
3. ASB, ASW, SSPN and trust fund for my son.. tunggu dia 6 bulan dulu
4. start one new business... diversify sket.. new staff tengah training in Germany skrg.. start Jan 2012.
5. buat satu rumah kayu dgn kebun buah2an kat kampung.. anak dah besar nanti boleh panjat pokok...
6.cari tanah lagi for future...
7. buy and keep shares for dividend... long term
8..
aarie Post at 8-12-2011 15:39

update sket..

1. change of plan.. instead of retail outlet, pledge rumah lama and withdraw all FD transfer to ASW and AS1M,
    retail outlet siap soon nak let-out...
2. 50% complete..
3. ASB.. siap, SSPN.. RM 3,000 untuk anak ada pelepasan income tax..
4. done.
5. KIV dulu... rumah sekarang pun lanscaping tak siap2 lagi.. hehe..
6. ada tapi location tak cantik.. dapat kalau ada kebun durian baru laa canteeeeeeeek...
7. FGVH nampak macam sesuai to keep for long term kot...... considering.....
8. .........

nanti update lagi  

baby_pingu

dah ujung bulan jun...ada sapa2 nak update the first half 2012 progress?

jenglut

Besok last declare incometax..pening2

baby_pingu

Reply 132# jenglut


    yg nih utk individu dgn punca pendapatan perniagaan kan?

jenglut

Reply  jenglut


    yg nih utk individu dgn punca pendapatan perniagaan kan?
baby_pingu Post at 29-6-2012 23:20

    A ah..

baby_pingu

Reply 134# jenglut


    bertabah lah...

koreklah segala benda yg bleh diclaim, diexempted and direbetkan

monreyes

1. Top up ASB loan from the current RM200K, kluarkan dividen letak kat AS1M : done
2. Keluarkan EPF masukkan dlm ASW2020, sempat RM77K je, dana abes
3. Keluarkan EPF masukkan dlm AS1M pulak, baru ada RM48K, akan buat every 3 mths
4. To park all my cash in AS1M, senang nak wat apply MITI shares, earn dividend (leh
    wat joli2)

Lebihan gaji selepas tolak segala hutang piutang, leh wat blanja je, tak perlu nak risau
saving menyaving lagi..

aarie

dah ujung bulan jun...ada sapa2 nak update the first half 2012 progress?
baby_pingu Post at 28-6-2012 11:19

year to date..... still on track

1. ASW... completed
2. AS1M... completed
3. ASB tuk baby... completed, good news: starting 1st July max limit naik to 50K
   so next week bleh topup lagi
4. renovation rumah baru... tak siap lagi, arkitek lembab..
5. tanah kat kg... done, dapat 1 ekar tapi rumah kayu tu KIV dulu kot... bz ler...
6. tanah kebun buah-buahan 2 ekar.. tak dapat lagi yg ngammmm.. durian, rambutan, manggis... nyumm
7. FGV... dapat 30 lot nak simpan untuk anak.. mudah2an div nanti bagus

tu jer yg sempat 1H2012.......

aarie

1. Top up ASB loan from the current RM200K, kluarkan dividen letak kat AS1M : done
2. Keluarkan EPF masukkan dlm ASW2020, sempat RM77K je, dana abes
monreyes Post at 30-6-2012 18:40

naper kuarkan div dari ASB masuk AS1M tu..... apa rational dia ehhh?  

ASW tu kena rajin check.. bila ada yg jual still bleh dapat lagi..
kadang2 big block tak dapat.. try multiple smaller block bleh dapat jugak..
rajin-rajin ler mencuba...

monreyes

Reply 138# aarie

ASB loan limit dah max...RM200K
dividend itself ada own limit jugak...
so kluarkan dividen tu, baru boleh guna limit tu utk increase the loan..
so now limit aku dah abes...
next year dpt div...tambah limit lagi....
katakan aku dpt RM20K...kluarkan div top loan another RM20K...
mcm tu lah org buat kalau nak capai loan RM400K...

ASW2020 tu mmg lah...
PNB personnel kata Chinese suka dok melepak kat PNB...
tggu org jual ASW2020, trus grab....
But since AS1M bagi % div yg sama, malas la nak pening2...

aarie

Reply  aarie

ASB loan limit dah max...RM200K
dividend itself ada own limit jugak...
monreyes Post at 1-7-2012 02:03

ok tq.. paham.. objektif nak tambah loan ASB yer...

ramai tak realised limit pelaburan ASB bertambah dengan bonus dan dividen

bila bonus dan dividen tersebut dikeluarkan...
sesaper yg nak maximise loan boleh ambil loan tambahan untuk topup same amount balik..


apa maksud  dividend itself ada own limit?