Guest post by Azhar
The title is a bit over statement. Actually there is no 1 answer for all our financial problems. Currently I still have consumer debt ( credit card debt ) and housing loan. What is important is managing our money and our life. There are a hundreds of blog, website regarding personal finance some a very good and very informative. As for the FINAL ANSWER on how to manage money and life, the answer is YOU. All the people, advice, information that have a round us is a guide. A guide to understand the fundementals of money and life. An example for me to follow or neglect. My final answer for my personal finance is changing and evolve around me.
Here are a few guideline that I use to manage my personal finance.
Financial Knowledge
My journey on financial knowledge started in 2008. I want to know more about personal financial and financial freedom. My favorite blog that I read ” getrichslowly ” It have answer on most of my questions regarding personal finance. Better look for the 2006 and 2007 entry because there are a lot of original content from the author. In malaysia there a a few site about financial but lack personal touch ( I might me wrong here ). Some of them are ” duitmoney, bebashutang, pakdi etc ”
Spend Less Than You Earn
My goal each month to have positive cash flow. I budget my salary each month to have some money save in the bank or increase my emergency fund. I must tell you not every time I was successful, there are month that I have negative balance. Therefore I am using my emergency fund.
Save 10% of my salary
This tips I take very seriously. It is mention in getrichslowly, books that is written by azizi ali, and also a book entitle Rich man in Babylon.
Avoid debt
All debt is dangerous. The most deadly debt for me is Credit Card debt and Personal Loan. I have no personal loan but I carried a balance on credit card from 2001. Hopefully I will debt free early February 2011 except for my mortgage.
Know your strength and downfall
Everybody have their soft spot. After much searching and analyzing. My biggest enemy that brought me to financial ruin is my greed. My greed for riches have cloud my judgement. I venture into FOREX without knowledge ( breaking rule number 1 ) As for now I just venture to the things I know like ASB. Yes it is slow, but it is me. I want to sleep every night without worrying my investment.
Take Action
I used to be lip service and mind service. Thinking and saying without getting anythings done. It is good to plan, but don’t look for perfection. do what is good for you. Eventhough it is so small that you might not remember today. Eventually it will come to help you. Do something and do it now.
Final answer for personal finance is yourself. Do what is good for you and your family.
Popularity: 23% [?]
Tags:
Avoid debt,
duitmoney,
financial,
Financial Knowledge,
getrichslowly,
Know your strength and downfall,
managing money and life,
personal finance,
Save 10% of my salary,
Spend Less Than You Earn,
Take Action Category:
ASB,
Banking & Financing,
Debt / Credit Card,
Financial Planning,
Self Development
Jadual prestasi Dividen dan Bonus ASB 2010 serta BLR untuk 20 tahun kebelakangan ini di Malaysia ( ASB Performance )
|
TAHUN
|
PRESTASI ASB
|
BLR
|
|
DIVIDEN
|
BONUS
|
|
2010
|
7.50
|
1.25
|
6.30
|
|
2009
|
7.30
|
1.25
|
5.55
|
|
2008
|
7.00
|
1.75
|
6.00
|
|
2007
|
8.00
|
1.00
|
6.75
|
|
2006
|
7.30
|
1.25
|
6.00
|
|
2005
|
7.25
|
1.75
|
6.00
|
|
2004
|
7.25
|
2.00
|
6.00
|
|
2003
|
7.25
|
2.00
|
6.50
|
|
2002
|
7.00
|
2.00
|
6.50
|
|
2001
|
7.00
|
3.00
|
6.75
|
|
2000
|
9.75
|
2.00
|
6.75
|
|
1999
|
8.50
|
1.50 + 2.00
|
8.00
|
|
1998
|
8.00
|
2.50
|
10.5 – 12.27
|
|
1997
|
10.25
|
1.25
|
9.25
|
|
1996
|
10.25
|
3.00
|
8.50
|
|
1995
|
10.00
|
3.00
|
6.60
|
|
1994
|
9.50
|
4.50
|
8.25
|
|
1993
|
9.00
|
4.50
|
9.50
|
|
1992
|
7.50
|
5.00
|
9.00
|
|
1991
|
8.50
|
4.00
|
7.50
|
|
1990
|
8.00
|
6.00
|
7.00
|
Jadual prestasi dapat memberikan sedikit gambaran mengenai pendapatan tahunan ASB. Diharap maklumat ini dapat membantu anda membuat pelaburan yang bijak dalam ASB.
Sikit-sikit, lama-lama jadi bukit.
Popularity: 17% [?]
Tags:
asb 2010,
asb performance,
asb tahun 2010,
asb vs blr,
BLR,
bonus asb,
dividen asb,
dividen dan bonus asb,
dividen dan bonus asb 2010,
prestasi asb,
sejarah prestasi asb Category:
ASB,
Banking & Financing,
Investment & Unit Trust
Pengagihan pendapatan ASB
Dividen 7.50 sen
Bonus 1.25 sen
Nampaknya pengumuman dividen dan bonus telahpun dibuat. Bolehlah kita berkira-kira untuk membuat perancangan untuk menggunakan wang awal tahun depan. Dari membeli barangan, membuat pelaburan dan sebagainya.
Dengan kadar BLR tahun 2009 sekitar 5.50% dan tahun 2010 naik sehingga 6.30% bagi mereka yang membuat pinjaman ASB keuntungan pelaburan dapat dilihat secara kasar.
Sama ada membuat simpanan secara berterusan mahupun pinjaman ASB ia adalah satu langkah menuju kebebasan kewangan. Semoga pengagihan pendapatan ASB 2011akan menjadi lebih baik dari 2010.
Sila klik untuk mengetahui prestasi ASB untuk 20 tahun.
Jadual prestasi Dividen dan Bonus ASB 2010 serta BLR untuk 20 tahun kebelakangan ini di Malaysia
Popularity: 16% [?]
Jom kita bincang tentang penggunaan Over Draft bersandarkan sijil ASB (OD ASB) nie.. mari kita share pengiraan-pengiraan dan fungsi-fungsi OD ASB..
Salah satu tujuan utama OD ASB nie supaya kita boleh maksimumkan saving kita…. sebagai contoh, kata lah sebelum nie kita cuma saving ke dalam ASB RM300 sebulan tapi kalau guna kaedah OD ASB kita boleh gandakan saving sampai RM600.. tapi sebelum tue masing-masing kenalah tahu masing-masing punya tahap kewangan dan juga cashflow sebab setiap orang mempunyai cara perbelanjaan yang berbeza..
sebagai permulaan katakan kita ada duit simpanan
ASB = RM11000 (jumlah minimum nak memohon OD ASB)
Bank akan bagi 95% dari jumlah ASB
95% x RM11000 = RM10450
Read the rest of this entry »
Popularity: 63% [?]
Tags:
ASB,
asb-od,
guna duit buat duit,
OD,
od-asb,
overdraft,
use money make money Category:
ASB,
Banking & Financing,
Business,
Car Loan / Cars,
Debt / Credit Card,
Home Loan / House,
Investment & Unit Trust,
Personal Loan
ASB AGIHKAN PENDAPATAN DIVIDEN 7.50 SEN SEUNIT DAN BONUS 1.25 SEN SEUNIT
***** Dividen ASB 2010 – — sen seunit *********
– Disember 2010
KUALA LUMPUR – Amanah Saham Nasional Bhd (ASNB), anak syarikat milik penuh Permodalan Nasional Berhad ( PNB ) mengumumkan pengagihan pendapatan sebanyak dividen 7.50 sen seunit dan bonus 1.25 sen seunit bagi Skim Amanah Saham Bumiputera (ASB) untuk tahun kewangan berakhir 31 Disember 2010.
Popularity: 18% [?]
Untung atau rugi buat ASB loan ini? Jadi izinkan saya berkongsi sedikit pengetahuan saya samada elok atau tidak elok buat ASB loan ini.
Analisis yang saya buat ini cuma ringkas saja dan tidak berniat memburuk-burukkan pihak tertentu. Hanya sekadar untuk pertimbangan anda sebelum membuat keputusan untuk membuat ASB Loan (melabur ke ASB dengan duit pinjaman bank).
Dari contoh simpanan ASB RM 100,000 yang terdiri dari Deposit RM 5,000 manakala RM 95,000 pinjaman bank mengikut kadar BLR + 0.5% (iaitu 6.9% setahun) ==> Bayaran bulanan RM 731 untuk tempoh 20 tahun.
Seperti yang diiklan, dividen akan diberi terus kpd anda.
Contoh: dividen 7% setahun, anda akan dapat RM 7,000 setiap tahun. Boleh dibelanjakan apa saja anda suka dan at the end of 20 years, anda akan terima RM100,000 yang boleh digunakan untuk beli rumah, pendidikan anak dan sebagainya.
Cara A – Gunakan dividen untuk bayar semula pinjaman
Hasil pengiraan saya menggunakan software Optimoney, jika dividen 7% setahun atau RM 7,000 itu dibayar semula kpd bank untuk mengurangkan baki pinjaman anda, loan ASB anda dijangka selesai dalam masa 7 tahun 6 bulan dengan jumlah pembayaran penuh hampir RM 120,827 (termasuk deposit RM5,000 dan dividen RM7,000 yg dibayar semula setiap tahun)
Ini bermakna, anda terpaksa membayar RM 120,000 untuk mendapatkan RM100,000 selepas 7 hingga 8 tahun. Untung atau rugi?
Read the rest of this entry »
Popularity: 17% [?]
