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Edited by green~tea at 3-1-2025 06:47 PM
congrats on your brave step towards financial planning.. pial... its never too late....
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this is a good quote by albert einstein... if you really understand the magical effect of compounding interest, uolz boleh mempergunakan this wonder for your own benefit |
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Application No 1.... how you can use the compound interest utk memberanak pinakkan your savings, sebagai contoh, ASB... tanpa mengusik dividen... u can either invest in cash or asb financing... tp you must remember to use asb financing only for leveraging purposes... mean, amek ASB loan and bayar every month sampai abang jamil mampos, tanpa u mengusik dividen itu.. kena berdisiplin lah...
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Edited by green~tea at 25-1-2021 09:08 PM
Untuk Card Credit pulak... cara kita opportunist pada credit card facilities and make sure u never ONCE being penalized for finance charges is that by ensure FULL SETTLEMENT on STAMENT BALANCE of respective month as per due date only, just pay for whatever payment is due for that month, be aware of the statement due date.... i repeat supaya korang faham.
Uols tak perlu bayar the OUTSTANDING balance, sbb the balance amount dlm ni usually higher than statement balance and usually the payment due is on the following month... so you have the advantage of DELAYING your payment by 1 month and u can use that available money elsewhere i.e. savings kat ASB or whatever lah to generate more money to benefit the compounding interest kat tempat lain (investment instrument lain)...
and NEVER EVER bayar based on minimum payment.. this is where u become the VICTIM of compounding interest.
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doing this now.. tapi tu laa.. i pon start lambat.. baru a couple of years back start asbf ni.. ambik max 200k.and alhamdulillah kuat tak sentuh lagi dividen tu.. memang plan nak biar dia beranak je.
masa awal2 i kerja dulu ada jugak ambik 50k.. tapi i terminate separuh jalan.
banyak shopping membazir je masa tu (now pon ye jugak tapi dah insaf sikit  )
asb2 i masuk cash bulan2.. tengah berusaha nak max kan dia.. tapi jauh lagi..
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i should try this la.. sekarang ni i memang akan settle outstanding amount every time.
every week i akan check cc amount and settlekan whatever balance to 0.
kadang2 sakit jugak bila ada terlebih belanja minggu/bulan tu tapi i cant.. macam dah jadi habit kena jugak settlekan dan dan tu jugak.
and cc pon i keep yang ada benefit je..
my Enrich mastercard.. spend kat situ then convert my points jadi enrich miles. then redeem flight tix. also dapat free entrance to golden lounge
then second my maybank shopee card hehe. sebab nak extra coins. then can use it to offset whatever i buy kat shopee
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Author |
Post time 27-1-2021 09:43 PM
From the mobile phone
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rara_bella replied at 27-1-2021 08:23 PM
i should try this la.. sekarang ni i memang akan settle outstanding amount every time.
every wee ...
I pun pernah mcm u jugak dulu.. clear outstanding balance, even belum due.. konon bagus laa buat camtu..
Rupanya itu cara biasa2 je la.. the best way is to settle the statement balance in full as per due date sahaja.. tak perlu settle the whole outstanding balance
Baru lah kita dpt fully maximize cc facilities tanpa kena finance charges |
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Baru i jumpa dan baca semua dalam thread ni.
Good one sis green tea.. banyak exposure ai dapat dari sini. |
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Errr...
[AceHand SPECTaceLAR]
Betol ke dia yang kata tu...?
Jizzz... Klong! Klong!
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Edited by green~tea at 10-2-2021 01:39 PM
ada banyak quotes that Einstein was asked about mankind's greatest invention, he replied compound interest... ada some sources mentioned that Einstein ada sebut compound interest as the "8th Wonder of the World." Regardless there's some debate about whether Einstein really said any of this or not, there's no question that the compounding of interest is a brilliant thing. Benjamin Franklin, ada described compound interest as: "Money makes money. And the money that money makes, makes money."
I rasa munasabah je both Albert Einstein and Benjamin loves the idea of compounding interest, sbb masa zaman kehidupan diorang, banking system already established.. Bank of England founded in 1694.. but the bank for international settlements based in Basel, swiss yang establish international rules of banking regulation... so mmg timeline2 diorang lah
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Hmmm...
[AceHand SPECTaceLAR]
Bank Negara Malaysia lak tahong berapa...?
Jizzz... Klong! Klong!
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Skrg ni main saham untung betul klu pandai...husband iols 3 bln invest untung 10%...iols je penakut..takut duit hilg... |
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Nak cari 2nd house untuk property investment.
KL area probably.
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Author |
Post time 16-2-2021 07:41 AM
From the mobile phone
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akies replied at 16-2-2021 01:06 AM
Nak cari 2nd house untuk property investment.
KL area probably.
Dah boleh usha property nak beli.... nezt year ke beli lah.... takyah gopoh beli takut salah beli shb long term hutang |
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Google la noks... hahahaha
The Central Bank of Malaysia is the Malaysian central bank. Established on 26 January 1959 as Central Bank of Malaya, its main purpose is to issue currency, act as banker and adviser to the Government of Malaysia and regulate the country's financial institutions, credit system and monetary policy.
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sama... i pun takut nak amek risk for now... diam2 sudeh park duit kat tempat yang confirm low risk selamat... skang ni mana2 extra balance duit, i mmg transfer masuk ASB 3 (takde limit mcm ASB1 and ASB2) and EPF self contribution..
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green~tea replied at 16-2-2021 07:41 AM
Dah boleh usha property nak beli.... nezt year ke beli lah.... takyah gopoh beli takut salah beli ...
Yup. Ai cari rumah lelong je dulu.
Kalau dpt harga munasabah &!ada area yang ok, mmg nak beli seketul.
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Edited by green~tea at 3-1-2025 06:48 PM
nak meluahkan pasal retirement plan... haish
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u check la jugak transactions price properties dekat brickz.my
at least u bleh gauge dah market trending menurun ke ape.. nak senang compare, sila rujuk price per square foot tu... and u tengok date transactions... menurun ke menaik harga per sqft.... and compare dgn lelong price...
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Edited by green~tea at 3-1-2025 06:50 PM
Usually kita duk discuss pasal duit (passive income, starting a business) je bila sentuh bab retirement... tp kita jarang sentuh apa lagi aktiviti sosial lain yang boleh bagi kepuasan pada mental, emotional kita.... so here's few suggestions..
1. Hobby
minat kereta, minat menari, minat memasak baking, menjahit, membaca buku... or just make a new hobby kannn... macam tetiba kita cuba laahhhh hobby drawing, playing the piano or other musical instrument, knitting, crocheting, needlepoint, quilting, photography, gardening, crafting.
2. Self Enrichment
Sambung MBA, PHD.. register classes.. kelas agama, kelas saham, macam2 lah.. for me, since i retire at age 40, i nak sambung MBA lah, just for my self enrichment,.. i need to keep my brain actively working...
3. Traveling
i exclude traveling from hobby sbb bg i hobby bolehh dibuat hari2, pada waktu terluang,... travelling is not categorized as hobby, because u have to plan for it, although it may be part of your passion, but its not part of hobby categorization.
4. Volunteer work
MIL i suka buat ni since dia dah retire almost 5 years dah..etc...
5. Jadi Mentor or Mengajar
yang ni later i kupas.. blom ada idea... some of my friends buat virtual learning in Non-Destructive Testing, Economic/ Project Evaluation, Investment classes... |
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Post time 27-1-2021 08:14 PM
Post time 10-2-2021 02:38 AM
