Port Sembang Mommies Bf (Part 27)

cikwawi · Post time 26-10-2009 05:50 PM

341# ajasu

ni apa kes nih?

ummi_ina · Post time 26-10-2009 05:53 PM

339# cmf_malay

biasanya yg guna 'kamu' nih org Perak
ku pindah sini baru terbiasa dengan 'kamu' nih

ummimon · Post time 26-10-2009 05:57 PM

salam mommies.
selamat petang (selalunya selamat pagi je kan)
hr ni ku cuti. ran few errands.
btw, for those yang sdg bercdg2 nak buat kc tu, pls scrap off Sign Kit from your list.
this time around memang hampeh.com dia nyer service.
nanti ku citer panjang lebar.
but in short ---> menyampah!

ummimon · Post time 26-10-2009 06:00 PM

the good thing is, alhamdulillah tadi we've done thing we should have done much earlier.
dah daftar haji and our turn is approximately 2028! i'd be 54 that time. kami target, kalau ada rezeki jadi tetamu Allah, nak buat hj before we turn 40. kalau nk cepat, kena ikut swasta. suddenly i am so excited about it, kalau dpt pg next year i think would be just nice. Iman belum masuk sekolah rendah. kakak pulak dah tahun 3. adam dah 2++ years.

ummimon · Post time 26-10-2009 06:02 PM

339# cmf_malay
it's always ummi, abah, kakak, iman, adam between the 5 of us. never kamu, awak, saya. i prefer it that way.
but my hasben, aiseh, susah betol nak panggil abang. mula2 kawin dulu ada gak dia suruh tp tak menjadi2. sudahnya masih le kekal i dan you sampai hr ni.

smashpumpkin · Post time 26-10-2009 06:53 PM

339# cmf_malay

biasanya yg guna 'kamu' nih org Perak
ku pindah sini baru terbiasa dengan 'kamu' nih
ummi_ina Post at 26-10-2009 17:53

chak...

ku bahasakan izzuddin dengan 'awak'...
pastu kalau marah dia, sebut nama penuh 'izzuddin ammar...'
sama macam mak ku jua kalau marah smash.. hehe

smashpumpkin · Post time 26-10-2009 06:57 PM

345# ummimon

alhamdulillah, kak mon...
nama dah tersenarai yer utk haji..

ku belum pasang niat lagi... huhu...
tp ofisku ada quota 100 orang tiap tahun, so guna servis diorang jelah kalau nak gi haji ni...

nak ty.. kalau investment... nak simpan kt mana ek? ASB, unit trust??
sape2 boleh bagi past experience tak??
ku macam nak invest duit somewhere... huhu... so that by 10years duit tu boleh buat deposit rumah dsb...

Ariys21 · Post time 26-10-2009 08:24 PM

how much monthly? aku pun boleh jadi personal financial planner gak..
ASB ok, UT pun ok..properties pun ok..
apa2 investment pun, u still kena monitor sendiri, baru faham how it works..other than ASB la kan sbb dia tak berubah harga..

Ariys21 · Post time 26-10-2009 08:26 PM

339# cmf_malay

biasanya yg guna 'kamu' nih org Perak
ku pindah sini baru terbiasa dengan 'kamu' nih
ummi_ina Post at 26-10-2009 17:53

hehehhe..
kak ina at least sebut org perak.
i ni dah biasa ngan indon kot...
i igt kamu ni kenapa (sila sebut dlm loghat indonesia)
sbb org perak around me tak cakap loghat perak sgt..sebab tu tak biasa kot..

smashpumpkin · Post time 27-10-2009 01:07 AM

349# Ariys21
let's say RM100 monthly?

bukan ker unit trust ada tempoh matang ker??
elok ker buat ASB loan tu offered by bank?? ke buat pinjaman wang from bank dan masukkan sekaligus dlm unit trust/ASB??
which one lagi bijak???

Ariys21 · Post time 27-10-2009 07:51 AM

you should never make a loan to invest in ASB or unit trust because if you could afford to pay the monthly installments, it means you could afford to invest the same amount monthly.

Kalau RM 100 monthly, you can choose whether to put in ASB or UT la...
UT tu, u start baca prospectus, and you start monitor some of the performance daily/weekly..ada dalam newspapers and dlm financial magazines such as personal money etc..

cuma certain UT, initial investment ada minimum which is more than RM 100 la..monthly boleh RM 100 tu..

I highly recommend islamic unit trust, so far it is the one that gives the most profit..u can choose which one u want, either CIMB, Public Mutual, Hwang DBS..

in terms of agents, choose a good one who is not profit oriented. of course they want to make profit but there are a lot more out there who really looks after your interest.
I am one but if you want me to invest for you, I have to be frank la..this week, I cannot recommend anything yet sbb takde masa nak baca..i jadi consultant pun coz i want to invest myself rather than give the commission to other agents.

Ariys21 · Post time 27-10-2009 07:56 AM

salam mommies.
selamat petang (selalunya selamat pagi je kan)
hr ni ku cuti. ran few errands.
btw, for those yang sdg bercdg2 nak buat kc tu, pls scrap off Sign Kit from your list.
this time arou ...
ummimon Post at 26-10-2009 17:57

kak mon, i highly recommend kian classic.
same quality if not better and excellent customer service at reasonable price.

Ariys21 · Post time 27-10-2009 08:00 AM

349# Ariys21
let's say RM100 monthly?

bukan ker unit trust ada tempoh matang ker??
elok ker buat ASB loan tu offered by bank?? ke buat pinjaman wang from bank dan masukkan sekaligus dlm unit ...
smashpumpkin Post at 27-10-2009 01:07

baru perasan u tanya psl tempoh matang..
honestly, i don't think ada..
but at least, if exist, it is not like warrant maturity or bond maturity
there is one thread i pernah baca sikit kat cari ni..tp tk igt thread apa..
i think forumer kirawang is one of the most successful Unit Trust Consultant or Financial Planner.
He gave a lot of good advice..
nanti malam i free sikit i cari thread tu & bagi kt you..