Following are the highlights of the 2010 Budget, themed “1Malaysia, Together We Prosper”

The Star Online

RM200mil to revive abandoned homes is one-off aid: Housing Minister

The RM200mil allocation in the Budget 2010 to revive some of the country’s abandoned low and medium-cost houses …

Najib outlines three core strategies to boost growth

BUDGET 2010 is geared towards driving the nation towards a high-income economy, said Prime Minister …..

Muhyiddin: Initiatives will benefit the people

THE Budget 2010 is a brave one as it covers all levels …..

Best students will get to further education at top varsities

THIRTY of the country’s creme de la creme students will be awarded National Scholarships strictly based on merit, ….

Weaker economy prompts overhaul of tax structure

THE Government plans to overhaul its tax revenue and subsidies in view of the weaker economy and lower income ….

Maximum tax rate brought down, and more relief for middle income group

BUDGET 2010 will see a personal income tax cut of one percentage point …

Iskandar CEO: Incentives sure to lure more talent to growth corridor

ISKANDAR Regional Development Authority chief executive officer Harun Johari welcomed tax incentives announced in Budget 2010 ….

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Popularity: 20% [?]

Introduction
This list contains glossary of Mu’amalat terminologies which are most frequently and commonly used in the Islamic banking business.

Bai’ Urbun | Bai’ Bithaman ‘Ajil | Bai’ Murabahah | Bai’ Inah | Bai’ Dayn
Bai’ Istijrar | Bai’ Istisna’ | Bai’ Muzayadah | Bai’ Salam | Bai’ Wafa’
Batil | Darurah | Dhamanah | Fasid | Fatwa | Gharar | Ghish | Hadith | Halal
Haram | Haq Maliy | Hibah | Hiwalah | Ibra’ | Ijarah | Ijarah Thumma Bai’
Ijtihad | Syirkah ‘Inan | Jahl | Jua’lah | Kafalah | Khiyanah | Maisir | Mal
Muamalat | Mudarib | Mudharabah | Muqasah | Musaqah | Musawamah
Musharakah | Musharakah Mutanaqisah | Muzara’ah | Qabadh | Qardh
Qardh Hasan | Quran | Rabbul Mal | Rahnu | Riba | Sadaqah | Sarf | Shariah
Suftajah | Sukuk | Sunnah | Ta’widh | Tadlis al-‘aib | | Takaful | Tanajush
Tawarruq | Ujrah | ‘Uqud Ishtirak | ‘Uqud Mua’wadat | ‘Uqud Tabarru’at
Usul Fiqh | Wadī’ah | Wakalah | Waqf | Zakat

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Popularity: 29% [?]

A list of financial products from Commercial Banks, Islamic Bank, Development Financial Institutions and others related.

Commercial Banks

Affin Bank Berhad

• Affin Contract Financing
• Al- Bai’ Bithaman Ajil – Fixed Asset Financing
• Enterprise Banking
• Islamic Banking Trade Finance Products
• Overdraft Against Fixed Deposit Receipts
• Small Medium Industry Loan Scheme (AFFINSPIKS)
• SME Schemes Promoted by Bank Negara Malaysia (BNM) / Credit Guarantee Corporation (CGC)
• Trade Finance Products

Alliance Bank Malaysia Berhad

• Alliance SME Loans
• Corporate & Commercial Financing: Term Financing-i & Leasing-i
• Credit Facilities for SMI/SME
• Islamic Trade Financing
• Leasing-i
• SME Schemes Promoted by Bank Negara Malaysia (BNM) / Credit Guarantee Corporation (CGC)
• Term Financing-i

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Popularity: 21% [?]

Financial planning is the process of meeting your life goals through the proper management of your finances.

Life goals can include buying a home, saving for your child’s education or planning for retirement. You need to clarify and prioritize your financial objectives and explore your values, beliefs and attitudes about money. With financial planning, you can see the big picture of where you are in relation to where you want to be.

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Popularity: 20% [?]

Kesilapan 1 : Sentiasa menangguh untuk memulakan sistem perancangan.

Tidak syak lagi inilah kesilapan yang paling besar sekali. Tanyalah diri anda sendiri sudah berapa kali perkataan seperti Tak Apa, Nanti Dulu, Lepas Kahwin, Bila Anak Dah Besar, sering dijadikan alasan untuk tidak memulakan pelan kewangan seperti tabungan untuk pendidikan anak, insuran perubatan atau membuat temu-janji dengan perancang kewangan bagi membaikpulih pinjaman anda.

Kesilapan 2 : Gagal menetapkan matlamat kewangan dan cara mencapainya.

Kita sendiri sedar yang tiada orang yang merancang untuk gagal tetapi kebanyakannya gagal untuk merancang. Mungkin sibuk dengan pelbagai tugas dan tanggungjawab anda tidak mempunyai masa untuk menulis di atas kertas jawapan kepada soalan-soalan seperti :

i. Apakah 3 matlamat kewangan anda?
ii. Bila jangka masa pencapaiannya?
iii. Berapa yang perlu diperuntukkan setiap bulan?

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Popularity: 19% [?]

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

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Popularity: 63% [?]