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Financial planning

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Author: wjv2212       Show all posts   Read mode

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Post time 12-6-2007 03:46 AM | Show all posts |Read mode
Nak tanya la... this few days my hubby & I dok la buat research & survey utk betul2 buat plan for retirement (seblm xde la fikir betul2 sgt)... bkn la utk masa tdekat ni...maybe dlm 20 thn lg...insya'allah... kira settle down duk kt msia...

Mcm kitorg ni yg x settle lg kereta & rumah la...mmg ada saving tp dlm Tabung Haji (ikut kata parents la)....
Now nak tanya pendapat:-

1) Ada sesapa tau dak mcm mana nak settle duit umah dgn cara cepat? coz bila dah duk jauh ni susah nak monitor sgt or tau kaedahnya....Skrg ni parents duk tolong byr bila kitorg transfer duit...

2) Nak tau la kira korg yg duk jauh ni ada buat investment kt mana2 di Malaysia... cthnya simpan duit kat ASB (ada dpt emel kata haram )or mana2 unit trust....Bminat nak gak nak msk unit trust tp xtau yg mana bagus.... if tanya agent sure dorg ckp co yg dorg keje bagus...

Minta sgt jasa baik pendapat korg yg duk jauh ni....

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spidernfly This user has been deleted
Post time 12-6-2007 07:16 AM | Show all posts

Reply #1 wjv2212's post

good topic ni... pasal ku pun ingin tau
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Post time 12-6-2007 07:26 AM | Show all posts
Meh kita tanya accountant2 kat sini. Diaorang mungkin lebih arif. Ye yang arif.
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spidernfly This user has been deleted
Post time 12-6-2007 07:55 AM | Show all posts
Originally posted by wjv2212 at 12-6-2007 05:46 AM

Nak tanya la... this few days my hubby & I dok la buat research & survey utk betul2 buat plan for retirement (seblm xde la fikir betul2 sgt)... bkn la utk masa tdekat ni...maybe dlm 20 thn lg...insya'allah... kira settle down duk kt msia...

Mcm kitorg ni yg x settle lg kereta & rumah la...mmg ada saving tp dlm Tabung Haji (ikut kata parents la)....
Now nak tanya pendapat:-

1) Ada sesapa tau dak mcm mana nak settle duit umah dgn cara cepat? coz bila dah duk jauh ni susah nak monitor sgt or tau kaedahnya....Skrg ni parents duk tolong byr bila kitorg transfer duit...

2) Nak tau la kira korg yg duk jauh ni ada buat investment kt mana2 di Malaysia... cthnya simpan duit kat ASB (ada dpt emel kata haram )or mana2 unit trust....Bminat nak gak nak msk unit trust tp xtau yg mana bagus.... if tanya agent sure dorg ckp co yg dorg keje bagus...

Minta sgt jasa baik pendapat korg yg duk jauh ni....



1) rumah...pasal my dad yg gave it to me, tak de la ku nak membayar apa2. but still have to pay for our car. my mum yg bayarkan. mmg TT duit la. but let say we all tak nak TT duit, we still have our M'sian Bank account. my mum pegang one ATM card. so senang for her.

2) investment. yup... ASB ada, & ada several unit trust funds. ntah.... i pun tak tau hapa ke benda nama dia coz my parents yg letak kan savings for me and my sons every month.
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Post time 12-6-2007 08:13 AM | Show all posts
My hb and I rasa, ASB memang meragukan, so we don't invest in that. Org lain tak tau la.

[ Last edited by  bitterchoc at 17-6-2007 10:26 PM ]
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spidernfly This user has been deleted
Post time 12-6-2007 08:30 AM | Show all posts

Reply #5 bitterchoc's post

bagus la you!!!!

financially independent mmg best!!! takat ni we are CC debt free kat m'sia. kat OZ pulak, ada satu je CC. tu pun credit limit we all mintak takat AU$2500 je. mostly my hubby yg guna for his travels. ada banks yg offer more CC... tapi tak nak la bayar guna credit. guna cash makes us know how to budget sikit. tidak kalu, mmg i ni boros i tell you!!!!!!!!!

so now, tgh kumpul duit to get our own house kat m'sia. ingat nak beli rumah kat Putra Heights... ekekek bukan apa... since dpt 12% discount.... ekekeke can save a lot tu!!!
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Post time 12-6-2007 09:17 AM | Show all posts
Ttg nk setel umah cara cepat yer,...
To me, dah duk luar negeri esp duitnya yg berganda dr matawang ringgit nih...gunakan peluang kumpul cash...then bayo lar cash seberapa byk yg bleh dulu, kalau mampu beli cash sepenuhnya lg bagus...bukan apa, selamat...bunga pun tak kene bayar banyak...bleh la langsai cepat.

Ttg investment nih gue tatak tau byk...kene tanya sapa yg expert nih...
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Post time 12-6-2007 09:38 AM | Show all posts
ni my friend punya cara.. kalau ada duit extra (bonus ke, dividen ke, claims ke), terus je, dia bayar extra for loan rumah ... dlm masa 10 years, dia dah abis bayar rumah dan kete ... what ever they earn now, utk savings & belanja .. termasuk la enjoy ...

memang envy giler la tgk diorang nih ...
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Post time 12-6-2007 09:40 AM | Show all posts
Sebab dok oversea, susah gak nak menyimpan dlm ASB ke, ASW ke or apa2 dana. So sementara nak balik Malaysia, simpan dlm fixed deposit contoh GIA Mudharabah - Maybank2U.  Maybank2U senang boleh buat transaction fixed deposit secara online. Balik Malaysia terpulang la mana2 kita nak invest. Fixed deposit tak banyak sgt dapat tapi lebih baik le dari dok simpan dlm saving.
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 Author| Post time 12-6-2007 05:11 PM | Show all posts
wah semua ada idea yg bagus.....thanksssssssss.....
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 Author| Post time 12-6-2007 07:01 PM | Show all posts
I guess most of us yang keje oversea maybe don't have so much problem in financial or tgh nak memulihkan financial problem. Same like me financial taklah kukuh tapi alhamdulillah ada but of course still ada hutang rumah, kereta and nak save duit for hari tua. Yesterday, my hubby did a lot of survey dlm internet to find the solution for our target. Of course la semuanye cerita sikit and if you want to know more kena beli buku, cd, attent seminar etc...

But he found 1 website belong to a malay engineer and would like to share his success with others. He's not a financial planner or advisor but he learns from others and by experience. Alhamdulillah katanya dalam umur 32 dia dah debt free and nearly approach to millionaire level. Also yesterday my hubby managed to ym with him personally and asked for a few tricks to achieve our target. Very valuable lesson!

This guy just manipulate the system that bank and financial institution offer in order to improve his financial problem. Me and my hubby tgh duk berkira2 lagi and restructure back all our financial maybe masa balik cuti baru nak kick start

So sesapa yang have the same interest with me and nak tahu lebih boleh la tgk2 kat sini http://www.urusinsan.net.my

p/s- I'm not promoting anything ek....sharing is caring

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Post time 12-6-2007 07:45 PM | Show all posts
..posting deleted..  harap tuan umah dah bace ye..

[ Last edited by  _mzzm_ at 12-6-2007 08:54 PM ]

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Post time 12-6-2007 08:12 PM | Show all posts

Reply #11 wjv2212's post

WJV, bagus la you motivated mcm ni

[ Last edited by  bitterchoc at 14-6-2007 10:05 AM ]
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Post time 12-6-2007 08:20 PM | Show all posts

Reply #6 spidernfly's post

CC mmg dangerous sket kalau takleh control. I pun kalau guna CC only for times when I tak nak carry cash, masa emergency, when credit history is needed, bla bla. Tapi bila bil datang, mesti settle penuh, kalau tak, rugi.
Putra Heights dapat 12% discount? Oh! Developed by your hb's company ke?
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 Author| Post time 12-6-2007 08:54 PM | Show all posts

Reply #8 azaleena's post

cita2 i pun nak buat mcm ni gak la....kira mcm freeeeeeeee la yea.... coz the money generate itself.......
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 Author| Post time 12-6-2007 09:10 PM | Show all posts
thanks a lot 2 all for the idea........ it seems that byk lg kitorg kena tau fsl financial ni....

kena study abis2 la... survey & research ......nk sit down dgn financial planner kena tunggu balik msia lak....  xtau lg bila nak balik.... mmg kena restructure our financial.....

ada gak teringin nak buat bisnes tp x konfiden & xde idea lg...ni kalau dah balik msia 4 good br try to implemen kot....
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Post time 12-6-2007 09:33 PM | Show all posts
1) Ada sesapa tau dak mcm mana nak settle duit umah dgn cara cepat? coz bila dah duk jauh ni susah nak monitor sgt or tau kaedahnya....Skrg ni parents duk tolong byr bila kitorg transfer duit...

Saya tak ada/tak beli rumah di Malaysia so tak ada idea

2) Nak tau la kira korg yg duk jauh ni ada buat investment kt mana2 di Malaysia... cthnya simpan duit kat ASB (ada dpt emel kata haram )or mana2 unit trust....Bminat nak gak nak msk unit trust tp xtau yg mana bagus.... if tanya agent sure dorg ckp co yg dorg keje bagus...

Tak invest apa apa pun di Malaysia.

Saya hanya buat duit di USA sahaja - sebab senang nak monitor. Setakat ini saya cuma beli share my abang punya company (internet company). Beli rumah dua tiga biji. That's all.
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 Author| Post time 12-6-2007 11:34 PM | Show all posts
Selain daripada ASB, is there any other investment/unit trust/fund/bond yang you all invest? Setau I Bank Rakyat also gives good return (I think better than ASB) but unfortunately skang nie dah penuh. Tak boleh nak join dah. My MIL isi borang nak join since last year but until now still queue. Kena tunggu somebody keluar or jual sharenya n baru bleh u masuk.
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Post time 13-6-2007 05:27 AM | Show all posts
Investment ada kut, yg in 10yrs dapat modal dua kali ganda tuh... itu pasat budget wa tetiap bulan sutah lali ooo  ... but at least ada ler menyimpan duit ...

Credit card wa tarak.
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spidernfly This user has been deleted
Post time 13-6-2007 07:19 AM | Show all posts

Reply #14 bitterchoc's post

yup yup... its developed by my hubby's company... thats why dpt 12% (dah tambah the bumi discount sekali la tu)
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