Kadang2 mmg kita berdepan dgn masalah delicate mcm nih. Bila nak pinjam mmg sume janji mcm2. Manis muka dan sgt2 baik dgn kita. Bila dh bagi hutang buat2 lupa pulak. Xkan kita nak follow-up tiap2 bulan. Kena bagi reminder sms bagai.
Pulak tu ada yg aku buat loan tolong kasi dia berniaga. Tapi bulan2 lambat bayar. Sapa yg serve interest kt bank tu?! Loan atau agreement mmg kena tulis! Aku dh belajar dari pengalaman aku!
Personal lending, that is making or taking loans with friends and family, has been going on for just as long, but firm guidelines haven't developed because each circumstance is unique.
Reasons Against Personal Loans
There are strong reasons against giving a personal loan to family or friends. The biggest has to do with your own personal finances. Most people aren't really liquid enough to lose that money, and by assuming that all the money loaned will be lost, you'll quickly realize what size of loan you can reasonably make.
If you're dipping into a retirement account, emergency fund or other necessary fund to make the loan, it's not a loan you should be making. Family strife, tax problems and complacency - especially complacency - are some of the other things to worry about.
If your family or friends come to you for loans simply because you lend at a low (or no) rate, you are hurting your own finances to subsidize theirs.
A loan from a bank will help them build a good credit score, as well as financial responsibility. On the other side of the coin, when interest rates begin eating away at a borrower's paychecks, the bad habit of living outside of their budget may be broken.
The Difference Between a Loan and a Gift
The reasons against personal loans often evaporate in the face of emotional considerations, when one of your loved ones "needs the money."
In this case, you have to make a clear distinction between a gift and a loan. A gift has no expectation of repayment; a loan should be paid back in full, including any interest, and must be written down.
Giving a gift is a personal choice based mostly on emotion; making a loan has to be done in a logical manner.
Before Saying Yes
Before you give them the keys to the safety deposit box, however, you're entitled to ask some questions:
What is the money for?
Regardless of whether the loan is large or small, you have a right to know how it will be used. If the reason doesn't sit well with you (a vacation, rather than a mortgage payment), point your prospective debtor to the nearest bank.
How long will it take to pay back?
If the loan is a bridge loan to the next paycheck, you may feel comfortable with a zero-interest, no terms handshake. If the loan is of a significant size or will take more than a month to pay off, get it in writing.
Memories of the original agreement usually fade over time, so you will need documentation.
What's the prospective debtor's current financial situation?
Although this is often overlooked, you have a responsibility to yourself and the other party to make sure that he or she is in a decent financial situation before loaning money. It can be uncomfortable, but remember that the borrower came to you for money - not the other way around.
Think like a bank and, if their situation is too far gone, say no.
This doesn't mean you shouldn't help. Maybe you can offer to help pay for a financial planner rather than give a loan. One of the major flash points in personal loans is that the lenders realize too late that they've poured cash into a leaky boat. This leads to meddling after the fact. Since you no longer have bargaining power when the deal is done, nothing can be gained but resentment.
Coming to Terms
Verbal contracts hardly ever end well. Problems crop up even with small, short-term loans. For example, if the payment comes two months late and you had to put all your groceries on the credit card, then you actually lost money because of the loan - money you'll never get back, because there were no terms.
Writing up contracts for even the smallest loans will discourage people from constantly coming to you. Both parties should work together on the terms before signing.
Repayment Schedule
This should outline the size and date of each payment. It should also state what happens in the case of a missed payment.
You may choose not to have any penalties for late payments, but that can result in the loan payments taking the lowest priority in the monthly budget - and possibly being bumped in favor of less-than-necessary expenses like a night out on the town.
Conditions
Clear conditions need to be written up in the case of the death of either the lender or debtor. With family members, this is especially important because of the dispersion of the estate. If one child has received a $10,000 loan, and the estate pays $30,000 to each child regardless, then you've just turned your wake into a family feud.
You may want to add additional conditions according to the situation. For example, if you're lending to help someone buy a home, you can secure the loan to the property.
Make it Official
After getting the loan in writing, it's worth running it through a professional. Your lawyer or accountant will probably have some good advice on conditions and may act as a third party for the signing.
Small loans, may not be worth the cost of notarizing the contract, but large loans should be part of the legal record.
Conclusion
Personal loans can be a nightmare, if either of the parties fail to approach it seriously.
In the worst-case scenario, you've only loaned money you were prepared to lose and, if you choose, you have a legal document to back up a claim.
Sunday, June 28, 2009
Macam mana nak dapat RM1juta yg pertama
Wei! Aku nak jadi kaya wei! Tapi... mcm mana nak dapat sejuta yg pertama nih? Nak dapat RM100,000 yg pertama pon susah...
Kepada mereka yg obsess article2 utk jadi kaya dijemput baca tulisan ini...
The Millionaire's Mindset
When your grandparents lamented that a dollar just isn't a dollar anymore, they weren't just bellyaching. Inflation attacks the value of a dollar, reducing it as time goes by so you need more dollars as time goes on.
That is one of the reasons that $1 million is often thrown around as a retirement goal. Back in 1900, a $1 million retirement would include a mansion and a bevy of servants, but now, it has become a benchmark for the average retirement portfolio. The upside is that it is easier to become a millionaire now than at any time before. While you won't be buying islands, it is still a goal worth shooting for. Read on for 10 ways to make your first million.
1. Stop Senseless Spending
It's easy to spend your way out of a fortune. Fortunately, the opposite is also true - you can save your way into your first million.
Most people working in North America right now will earn well over $1 million during their working lives. The secret to saving $1 million lies in keeping more of what you earn.
Just as extending your earnings offers a unique perspective, doing the same with your spending sheds a ghastly light on the waste. If you spend $5 every day of your working life on coffee, snacks, etc., you lose $73,000 of your lifetime earnings, making it that much harder to hit the $1 million mark in savings.
2. Prune Your Purchases
When you do have to spend, try to get the most utility, not simply the most you can.
The difference between great value and utility is a fine line. Buying too much house or too costly a car comes from confusing the two. If you shop for what you need and buy it cheaper than you'd planned, that's a great deal. By keeping the end use of large purchases in mind, you can avoid this drain on your cash.
Before paying more than you can afford, remember that Warren Buffet, a man who constantly jockeys for richest person on earth, still lives in his humble Omaha abode.
3. Target Your Taxes
Another leaky hole you need to plug is the parasitic drain of big government.
While you are expected to pay your taxes, it's the right of every taxpayer to try and reduce their tax bills to the absolute minimum allowed by law. Increasing your tax awareness means making taxes a quarterly chore rather than an annual scourge. Keeping abreast of allowable deductions, changes to your withholding and changes in tax limits will allow you to keep more of what you earn, so that you can put that money to work for you.
4. Crafty Compounding
Time is on your side when you've got compounding working on your savings.
The earlier you start saving and the earlier you get your savings into a financial instrument that compounds, the easier your path to $1 million will be. You may be thinking of tenbaggers or hot issues that return 10 times their value in a few weeks, but it is the boring, year-on-year compounding that builds fortune for most people.
5. Build Through Your Boss
If you're looking to save $1 million dollars for retirement, look no further than your boss.
With matching contributions, your employer can be your best ally when it comes to building up retirement funds.
If you think you need to squirrel away 20% of your income for retirement and your boss puts up 6% in matched contributions, then you're left with a much more manageable 14%. Even if you are your own boss.
6. Ramp-Up Your Retirement Savings
Rather than letting your boss's contribution lessen your load, try to put a little extra into your retirement plan whenever you can.
Automating your account contributions will make setting your money aside that much easier.
That said, making extra contributions a priority will speed up your journey to $1 million and make your golden years that much more golden. You don't have to eat cat food to do this, just keep your retirement in mind when you've got extra cash on hand.
7. Incremental Investing
If you've got your retirement portfolios where you want them and are ready to start a pure income portfolio, then incremental investing is an excellent way to begin.
You don't have to jump into the market with your life savings to make money. Even relatively small amounts can result in decent returns. The important thing to remember with your income portfolio is that capital gains taxes will be applied yearly to any income you pull out. Again, improving your tax awareness will help reduce the bite, but it takes time and knowledge to make one million solely from a taxable portfolio. Still, it has been done and will be done again.
8. Dare To Diversify
If your portfolio is made up entirely of American companies or is even all held in stocks, then you may need to diversify. In the first case, more and more financial activity is out there in the wider world. This doesn't just mean investing in emerging economies like China and India that are producing huge gains, but recognizing that there are companies in Europe and Asia that are just as good (maybe better) as investments in the U.S.
Diversifying also means not putting all your money into one type of asset.
Being a financial omnivore opens up that much more opportunity in times of growth and makes certain you won't go hungry when one source dries up.
9. Reconsider Real Estate
Owning real estate provides equity and diversity to your investments.
If you own your own home, then paying your rent builds up equity. If you invest in real estate, then someone else's rent builds up your equity.
Real estate investing isn't for everyone, but it has built fortunes for many savvy people.
Owning your own home, however, is usually a good idea regardless of your opinion on real estate bubbles. Peter Lynch, one of the greatest stock investors of all time, believed that you should own your first home before you buy your first stock.
10. Increase Your Income
There is nothing terribly romantic about becoming a millionaire while working a regular job, but it is probably the avenue available to most people.
You don't need to start your own business to pull in a high income, and you don't even need to pull in a high income if your saving, spending and investing habits are sound.
Asking for a raise, upgrading your skills or taking a second job will add that much more to your savings and investments and subtract that same amount from the countdown to your first million.
If you are entrepreneurial at heart, starting a business on the side can actually decrease your overall tax bill, rather than putting you in a higher income tax bracket.
************
The Three Ps
Persistence, patience and purpose are common traits that you'll find in every millionaire from John Jacob Astor to Bill Gates.
Even though inflation has brought the value of $1 million down from its lofty perch, you still need these traits to reach it. Why isn't everyone a millionaire? Maybe because it is easier to spend now, buy big and put off saving and investing than it is to sacrifice to reach the goal of becoming a millionaire.
Using the tips given here can help you on your way, but you have to be brave enough to take the steps - first, final and all the hard ones that lay in between.
Kepada mereka yg obsess article2 utk jadi kaya dijemput baca tulisan ini...
The Millionaire's Mindset
When your grandparents lamented that a dollar just isn't a dollar anymore, they weren't just bellyaching. Inflation attacks the value of a dollar, reducing it as time goes by so you need more dollars as time goes on.
That is one of the reasons that $1 million is often thrown around as a retirement goal. Back in 1900, a $1 million retirement would include a mansion and a bevy of servants, but now, it has become a benchmark for the average retirement portfolio. The upside is that it is easier to become a millionaire now than at any time before. While you won't be buying islands, it is still a goal worth shooting for. Read on for 10 ways to make your first million.
1. Stop Senseless Spending
It's easy to spend your way out of a fortune. Fortunately, the opposite is also true - you can save your way into your first million.
Most people working in North America right now will earn well over $1 million during their working lives. The secret to saving $1 million lies in keeping more of what you earn.
Just as extending your earnings offers a unique perspective, doing the same with your spending sheds a ghastly light on the waste. If you spend $5 every day of your working life on coffee, snacks, etc., you lose $73,000 of your lifetime earnings, making it that much harder to hit the $1 million mark in savings.
2. Prune Your Purchases
When you do have to spend, try to get the most utility, not simply the most you can.
The difference between great value and utility is a fine line. Buying too much house or too costly a car comes from confusing the two. If you shop for what you need and buy it cheaper than you'd planned, that's a great deal. By keeping the end use of large purchases in mind, you can avoid this drain on your cash.
Before paying more than you can afford, remember that Warren Buffet, a man who constantly jockeys for richest person on earth, still lives in his humble Omaha abode.
3. Target Your Taxes
Another leaky hole you need to plug is the parasitic drain of big government.
While you are expected to pay your taxes, it's the right of every taxpayer to try and reduce their tax bills to the absolute minimum allowed by law. Increasing your tax awareness means making taxes a quarterly chore rather than an annual scourge. Keeping abreast of allowable deductions, changes to your withholding and changes in tax limits will allow you to keep more of what you earn, so that you can put that money to work for you.
4. Crafty Compounding
Time is on your side when you've got compounding working on your savings.
The earlier you start saving and the earlier you get your savings into a financial instrument that compounds, the easier your path to $1 million will be. You may be thinking of tenbaggers or hot issues that return 10 times their value in a few weeks, but it is the boring, year-on-year compounding that builds fortune for most people.
5. Build Through Your Boss
If you're looking to save $1 million dollars for retirement, look no further than your boss.
With matching contributions, your employer can be your best ally when it comes to building up retirement funds.
If you think you need to squirrel away 20% of your income for retirement and your boss puts up 6% in matched contributions, then you're left with a much more manageable 14%. Even if you are your own boss.
6. Ramp-Up Your Retirement Savings
Rather than letting your boss's contribution lessen your load, try to put a little extra into your retirement plan whenever you can.
Automating your account contributions will make setting your money aside that much easier.
That said, making extra contributions a priority will speed up your journey to $1 million and make your golden years that much more golden. You don't have to eat cat food to do this, just keep your retirement in mind when you've got extra cash on hand.
7. Incremental Investing
If you've got your retirement portfolios where you want them and are ready to start a pure income portfolio, then incremental investing is an excellent way to begin.
You don't have to jump into the market with your life savings to make money. Even relatively small amounts can result in decent returns. The important thing to remember with your income portfolio is that capital gains taxes will be applied yearly to any income you pull out. Again, improving your tax awareness will help reduce the bite, but it takes time and knowledge to make one million solely from a taxable portfolio. Still, it has been done and will be done again.
8. Dare To Diversify
If your portfolio is made up entirely of American companies or is even all held in stocks, then you may need to diversify. In the first case, more and more financial activity is out there in the wider world. This doesn't just mean investing in emerging economies like China and India that are producing huge gains, but recognizing that there are companies in Europe and Asia that are just as good (maybe better) as investments in the U.S.
Diversifying also means not putting all your money into one type of asset.
Being a financial omnivore opens up that much more opportunity in times of growth and makes certain you won't go hungry when one source dries up.
9. Reconsider Real Estate
Owning real estate provides equity and diversity to your investments.
If you own your own home, then paying your rent builds up equity. If you invest in real estate, then someone else's rent builds up your equity.
Real estate investing isn't for everyone, but it has built fortunes for many savvy people.
Owning your own home, however, is usually a good idea regardless of your opinion on real estate bubbles. Peter Lynch, one of the greatest stock investors of all time, believed that you should own your first home before you buy your first stock.
10. Increase Your Income
There is nothing terribly romantic about becoming a millionaire while working a regular job, but it is probably the avenue available to most people.
You don't need to start your own business to pull in a high income, and you don't even need to pull in a high income if your saving, spending and investing habits are sound.
Asking for a raise, upgrading your skills or taking a second job will add that much more to your savings and investments and subtract that same amount from the countdown to your first million.
If you are entrepreneurial at heart, starting a business on the side can actually decrease your overall tax bill, rather than putting you in a higher income tax bracket.
************
The Three Ps
Persistence, patience and purpose are common traits that you'll find in every millionaire from John Jacob Astor to Bill Gates.
Even though inflation has brought the value of $1 million down from its lofty perch, you still need these traits to reach it. Why isn't everyone a millionaire? Maybe because it is easier to spend now, buy big and put off saving and investing than it is to sacrifice to reach the goal of becoming a millionaire.
Using the tips given here can help you on your way, but you have to be brave enough to take the steps - first, final and all the hard ones that lay in between.
Ciri-ciri utk jadi Millionaire
Berikut adalah ciri-ciri utk jadi millionaire utk orang2 yg beria-ia nak jadi millionaire mcm aku nie..
Millionaires have more in common with each other than just their bank accounts — for some millionaires, striking it rich took courage, salesmanship, vision and passion. Find out which traits are most common to the seven-figure bank account set, and what you can do to hone some of these skills in your own life.
1. Independent Thinking
Millionaires think differently. Not just about money, about everything. The time and energy everybody else spends attempting to conform, millionaires spend creating their own path.
Since thoughts impact actions, people who want to be wealthy should think in a way that will get them to that goal. Independent thinking doesn't mean doing the opposite of what the rest of the world is doing; it means having the courage to follow what is important to you. So, the lesson here is to forge your own way, and let your success drive you to financial spoils - rather than doing it the other way around and trying to chase the money.
2. Vision
Millionaires are creative visionaries with a positive attitude. In other words, wealthy people not only have big dreams, they also believe they will come true. As such, wealth seekers should set lofty goals and not be afraid of uncharted territories.
Bill Gates, the world's richest person in 2009, did just that. The American chairman of Microsoft is one of the founding entrepreneurs who brought personal computers to the masses. Gates jumped into the personal computers business in 1975 and held on tight, creating Microsoft Windows in 1985. When consumers began to bring computers into their homes, Gates was ready to profit from this new age.
Byk cite org kaya refer kt Bill Gates. Xda org lain ke?
3. Skills
Writer Dennis Kimbro interviewed successful people to determine the traits they had in common for his book, "Think and Grow Rich" (1992). (Aku ada baca buku nie). He found that they concentrated on their area of excellence. Millionaires also tend to partner with others to supplement their weaker skills. If you don't know what you are good at, poll friends and family. Use training and mentors to refine your strong skills.
4. Passion
Billionaire investing guru Warren Buffett says "Money is a by-product of something I like to do very much." Enjoying your work allows you to have the discipline to work hard at it every day.
People who interact with money for a living, bankers for example, often love creating new deals and persuading others to complete a transaction. But finding your dream job may take time.
The average millionaire doesn't find it until age 45, and tends to be 54 (on average) before becoming a millionaire. Kimbro found that millionaires tried an average of 17 ventures before they were successful. So, if you want to be rich, stop doing things you don't enjoy and do what you love. If you don't know what you love, try a few things and keep trying until you hit on the right thing.
5. Investment
Millionaires are willing to sacrifice time and money to achieve their goals. They are willing to take a risk now for the opportunity of achieving something greater in the future. Investing may include securities or starting a business - either way, it is a step toward achieving great financial rewards. Start investing now.
6. Salesmanship
Millionaires are constantly presenting their ideas and persuading others to buy into them.
Good salesmen are oblivious to critics and naysayers. In other words, they don't take "no" for an answer. Millionaires also have good social skills. In fact, when writer T. Harv Eker analyzed the results of a survey of 753 millionaires for his book, "Secrets of the Millionaire Mind" (2005), he found social skills were more important than IQ. Just look at Donald Trump. His fortune has fluctuated over the years, but his ability to sell himself - whether as a TV personality or as the force behind a line of neckties - has always brought him back among the ranks of celebrity millionaires.
The ability to communicate with people is essential to selling your idea.
Contrary to the traditional view of salesmen, millionaires cite honesty as an important factor in their success. If you want to be a millionaire, be an honest salesman and polish your social skills.
Becoming a millionaire is not a goal that can be achieved overnight for most people. In fact, many of the world's richest people built their wealth over many years (sometimes even generations) by making smart but often bold decisions, putting their skills to the best use possible and doggedly pursuing their vision.
If you can learn anything about millionaires, it's that for many of them, their riches are not necessarily what most sets them apart from the rest of the world - it's what they did to earn those millions that really stands out.
from Yahoo! Sources
aku rasa bila aku cut & paste article yg interesting aku boleh update aku punya blog lama sikit. Kalu x mmg buat tinggal buat tinggal ler blog-blog aku. Susah jugak nk update. Ini adalah cara yg senang. Xle mati blog aku.
Millionaires have more in common with each other than just their bank accounts — for some millionaires, striking it rich took courage, salesmanship, vision and passion. Find out which traits are most common to the seven-figure bank account set, and what you can do to hone some of these skills in your own life.
1. Independent Thinking
Millionaires think differently. Not just about money, about everything. The time and energy everybody else spends attempting to conform, millionaires spend creating their own path.
Since thoughts impact actions, people who want to be wealthy should think in a way that will get them to that goal. Independent thinking doesn't mean doing the opposite of what the rest of the world is doing; it means having the courage to follow what is important to you. So, the lesson here is to forge your own way, and let your success drive you to financial spoils - rather than doing it the other way around and trying to chase the money.
2. Vision
Millionaires are creative visionaries with a positive attitude. In other words, wealthy people not only have big dreams, they also believe they will come true. As such, wealth seekers should set lofty goals and not be afraid of uncharted territories.
Bill Gates, the world's richest person in 2009, did just that. The American chairman of Microsoft is one of the founding entrepreneurs who brought personal computers to the masses. Gates jumped into the personal computers business in 1975 and held on tight, creating Microsoft Windows in 1985. When consumers began to bring computers into their homes, Gates was ready to profit from this new age.
Byk cite org kaya refer kt Bill Gates. Xda org lain ke?
3. Skills
Writer Dennis Kimbro interviewed successful people to determine the traits they had in common for his book, "Think and Grow Rich" (1992). (Aku ada baca buku nie). He found that they concentrated on their area of excellence. Millionaires also tend to partner with others to supplement their weaker skills. If you don't know what you are good at, poll friends and family. Use training and mentors to refine your strong skills.
4. Passion
Billionaire investing guru Warren Buffett says "Money is a by-product of something I like to do very much." Enjoying your work allows you to have the discipline to work hard at it every day.
People who interact with money for a living, bankers for example, often love creating new deals and persuading others to complete a transaction. But finding your dream job may take time.
The average millionaire doesn't find it until age 45, and tends to be 54 (on average) before becoming a millionaire. Kimbro found that millionaires tried an average of 17 ventures before they were successful. So, if you want to be rich, stop doing things you don't enjoy and do what you love. If you don't know what you love, try a few things and keep trying until you hit on the right thing.
5. Investment
Millionaires are willing to sacrifice time and money to achieve their goals. They are willing to take a risk now for the opportunity of achieving something greater in the future. Investing may include securities or starting a business - either way, it is a step toward achieving great financial rewards. Start investing now.
6. Salesmanship
Millionaires are constantly presenting their ideas and persuading others to buy into them.
Good salesmen are oblivious to critics and naysayers. In other words, they don't take "no" for an answer. Millionaires also have good social skills. In fact, when writer T. Harv Eker analyzed the results of a survey of 753 millionaires for his book, "Secrets of the Millionaire Mind" (2005), he found social skills were more important than IQ. Just look at Donald Trump. His fortune has fluctuated over the years, but his ability to sell himself - whether as a TV personality or as the force behind a line of neckties - has always brought him back among the ranks of celebrity millionaires.
The ability to communicate with people is essential to selling your idea.
Contrary to the traditional view of salesmen, millionaires cite honesty as an important factor in their success. If you want to be a millionaire, be an honest salesman and polish your social skills.
Becoming a millionaire is not a goal that can be achieved overnight for most people. In fact, many of the world's richest people built their wealth over many years (sometimes even generations) by making smart but often bold decisions, putting their skills to the best use possible and doggedly pursuing their vision.
If you can learn anything about millionaires, it's that for many of them, their riches are not necessarily what most sets them apart from the rest of the world - it's what they did to earn those millions that really stands out.
from Yahoo! Sources
aku rasa bila aku cut & paste article yg interesting aku boleh update aku punya blog lama sikit. Kalu x mmg buat tinggal buat tinggal ler blog-blog aku. Susah jugak nk update. Ini adalah cara yg senang. Xle mati blog aku.
Wednesday, June 24, 2009
Pemalas!
Kamu pemalas? Pemalas pon kena duit tau! Baca article yg aku ciplak nih...
extracted from Forbes.Com
Laziness Is Costing You Money. Laziness has been a scourge of humanity for millennia. Forbes asked a slew of experts, in fields ranging from personal finance to health care, to estimate the not-so-hidden costs or our laziness, and to demonstrate what little you can do — because in many cases that's all it takes — to turn things around. Here are some highlights.
Content to keep money in traditional brick-and-mortar banks.
Not Opening a Retirement Fund as soon as possible
Old age comes quick, and you'll need a serious retirement stash if you want to ride it out in any kind of style. Too bad for those who don't bother to set up a retirement account — one that can automatically draw a certain percentage from each pay check without you having to lift a finger.
Not Bothering to Negotiate a Better Deal
"It never hurts to ask" isn't just a bromide — it's a serious penny-pincher. According to a recent poll by the Consumer Reports National Research Center, roughly 80% of haggling Americans were able to win better deals on hotel rates, cellphone bills and clothing; more than 70% paid less for electronics and furniture. Landlords? They're ready to negotiate too, especially in this nasty real estate market.
Not Paying Your Credit Card Bill on Time
Laziness trumps logic, especially when it comes to the five minutes it takes to hop online and stave off late fees on your credit card bill.
Not Finding a Deal on Smaller, Regular Purchases
Saving a few cents on an impulse buy at the store may not seem worth the effort, but finding deals on regular purchases can save mounds of green.
Not Sending in Rebate Offers
Anyone who walks away from rebates is giving money away.
Not Making a Grocery List
Here's a classic example of how laziness can sneak up on you. Not taking the two minutes to jot down what you need at the grocery store increases the likelihood you'll buy items you don't really need--be it that extra gallon of milk because you forgot there's one sitting in your refrigerator or that box of irresistible Nutter Butter cookies (to go with the milk, natch). Too lazy to make it to the store, let alone scratch out a game plan? Shop online. Every grocer from ShopRite to Trader Joe's has a Web site that makes it easy to compare prices and ignore temptation; you might not even have to pay for delivery.
Not Selling Stuff You Don't Use Online
eBay. "Just go on, set up an account and sell." Yes, it's that easy.
Not Rooting Through Your Change for Valuable Coins
A penny saved is ... several hundred dollars.
Not Going the Extra Inch
We all know that staying in shape shaves society's overall health care bill. It would be one thing if you needed to run marathons to stave off heart disease or diabetes--but you don't. Even moderate activity, in small bursts, can have an impact. Walk a little farther for lunch; take an extra few flights of stairs; churn some earth in a garden. Every little bit helps--especially when you're lazy.
extracted from Forbes.Com
Laziness Is Costing You Money. Laziness has been a scourge of humanity for millennia. Forbes asked a slew of experts, in fields ranging from personal finance to health care, to estimate the not-so-hidden costs or our laziness, and to demonstrate what little you can do — because in many cases that's all it takes — to turn things around. Here are some highlights.
Content to keep money in traditional brick-and-mortar banks.
Not Opening a Retirement Fund as soon as possible
Old age comes quick, and you'll need a serious retirement stash if you want to ride it out in any kind of style. Too bad for those who don't bother to set up a retirement account — one that can automatically draw a certain percentage from each pay check without you having to lift a finger.
Not Bothering to Negotiate a Better Deal
"It never hurts to ask" isn't just a bromide — it's a serious penny-pincher. According to a recent poll by the Consumer Reports National Research Center, roughly 80% of haggling Americans were able to win better deals on hotel rates, cellphone bills and clothing; more than 70% paid less for electronics and furniture. Landlords? They're ready to negotiate too, especially in this nasty real estate market.
Not Paying Your Credit Card Bill on Time
Laziness trumps logic, especially when it comes to the five minutes it takes to hop online and stave off late fees on your credit card bill.
Not Finding a Deal on Smaller, Regular Purchases
Saving a few cents on an impulse buy at the store may not seem worth the effort, but finding deals on regular purchases can save mounds of green.
Not Sending in Rebate Offers
Anyone who walks away from rebates is giving money away.
Not Making a Grocery List
Here's a classic example of how laziness can sneak up on you. Not taking the two minutes to jot down what you need at the grocery store increases the likelihood you'll buy items you don't really need--be it that extra gallon of milk because you forgot there's one sitting in your refrigerator or that box of irresistible Nutter Butter cookies (to go with the milk, natch). Too lazy to make it to the store, let alone scratch out a game plan? Shop online. Every grocer from ShopRite to Trader Joe's has a Web site that makes it easy to compare prices and ignore temptation; you might not even have to pay for delivery.
Not Selling Stuff You Don't Use Online
eBay. "Just go on, set up an account and sell." Yes, it's that easy.
Not Rooting Through Your Change for Valuable Coins
A penny saved is ... several hundred dollars.
Not Going the Extra Inch
We all know that staying in shape shaves society's overall health care bill. It would be one thing if you needed to run marathons to stave off heart disease or diabetes--but you don't. Even moderate activity, in small bursts, can have an impact. Walk a little farther for lunch; take an extra few flights of stairs; churn some earth in a garden. Every little bit helps--especially when you're lazy.
Monday, June 22, 2009
orang kaya malaysia
korang xmenyampah ke kalu baca article mcm nih? xde rasa apa2 ke? mcm bengang ke, meluat ke, tercabar ke...eh! itu semua hasad yg baik kan??
Golongan kaya Malaysia terus cipta kekayaan
KUALA LUMPUR 21 Jun - Di sebalik krisis ekonomi dunia dan domestik, golongan mewah di Malaysia masih beruntung kerana mampu meningkatkan pelaburan mereka lebih satu pertiga atau 36 peratus.
Keberuntungan itu dinyatakan oleh Tinjauan Mengesan Kekayaan Asia yang dijalankan oleh HSBC Bank.
Tinjauan mendapati kekayaan itu diraih oleh 61 peratus golongan kaya Malaysia melalui pelaburan dalam pasaran saham domestik, dana unit amanah dan bon.
Menurut responden yang ditemui, 32 peratus menyatakan mereka membaca lebih banyak strategi mengenai pelaburan untuk menjadi kaya.
Bagaimanapun, ketika ditanya sama ada berlaku pada perubahan dalam minat pelaburan sejak enam bulan lalu, majoriti responden atau 63 peratus menyatakan mereka adalah pengambil risiko sederhana.
''Krisis ekonomi global semasa telah menyebabkan nilai kekayaan merosot bagi kebanyakan golongan kaya di Asia tetapi yang menariknya ia tidak menjejaskan golongan kaya negara ini sebaliknya mereka masih membuat pelaburan yang banyak,'' kata tinjauan itu lagi.
Tinjauan itu dilakukan untuk melihat sama ada ketidaktentuan dalam segmen mewah di Asia, termasuk Malaysia masih berlaku.
Ini termasuk meninjau aktiviti pelaburan, mengurus dan membelanjakan kekayaan meskipun ekonomi masih tidak menentu, kata Pengurus Besar Perkhidmatan Kewangan Peribadi HSBC Bank Malaysia Bhd., Lim Eng Seong dalam kenyataannya di sini.
Selain meningkatkan pelaburan, pilihan lain bagi golongan mewah Malaysia adalah mempelbagaikan portfolio aset terutama dalam simpanan (73 peratus), unit amanah (71 peratus) dan pasaran saham domestik (55 peratus).
Dalam aspek minat menabung, tinjauan itu menyatakan kebanyakan golongan mewah Malaysia melakukan perubahan dalam aspek itu dengan menjadi lebih berhati-hati dalam perbelanjaan.
Malah, 88 peratus responden bertindak menangguhkan pembelian dan 83 peratus lagi mengurangkan aktiviti makan di luar.
Dalam semua negara yang ditinjau, kebanyakan responden menjadikan alasan untuk menyediakan kehidupan yang selesa sebagai motivasi untuk meningkatkan kekayaan mereka, kecuali di Australia yang menjadikan persaraan sebagai matlamat utama.
Sebanyak 75 peratus golongan kaya di negara ini merancang menghantar anak-anak mereka belajar ke luar negara dengan memperuntukkan secara purata AS$100,000 (RM350,000) untuk tujuan itu.
Tinjauan Mengesan Kekayaan Asia itu juga mengenal pasti sebanyak satu pertiga rakyat responden Malaysia berpendapat mereka memerlukan antara AS$200,000 (RM700,000) hingga AS$300,000 (RM1.05 juta) untuk bersara dengan selesa.
Golongan kaya Malaysia terus cipta kekayaan
KUALA LUMPUR 21 Jun - Di sebalik krisis ekonomi dunia dan domestik, golongan mewah di Malaysia masih beruntung kerana mampu meningkatkan pelaburan mereka lebih satu pertiga atau 36 peratus.
Keberuntungan itu dinyatakan oleh Tinjauan Mengesan Kekayaan Asia yang dijalankan oleh HSBC Bank.
Tinjauan mendapati kekayaan itu diraih oleh 61 peratus golongan kaya Malaysia melalui pelaburan dalam pasaran saham domestik, dana unit amanah dan bon.
Menurut responden yang ditemui, 32 peratus menyatakan mereka membaca lebih banyak strategi mengenai pelaburan untuk menjadi kaya.
Bagaimanapun, ketika ditanya sama ada berlaku pada perubahan dalam minat pelaburan sejak enam bulan lalu, majoriti responden atau 63 peratus menyatakan mereka adalah pengambil risiko sederhana.
''Krisis ekonomi global semasa telah menyebabkan nilai kekayaan merosot bagi kebanyakan golongan kaya di Asia tetapi yang menariknya ia tidak menjejaskan golongan kaya negara ini sebaliknya mereka masih membuat pelaburan yang banyak,'' kata tinjauan itu lagi.
Tinjauan itu dilakukan untuk melihat sama ada ketidaktentuan dalam segmen mewah di Asia, termasuk Malaysia masih berlaku.
Ini termasuk meninjau aktiviti pelaburan, mengurus dan membelanjakan kekayaan meskipun ekonomi masih tidak menentu, kata Pengurus Besar Perkhidmatan Kewangan Peribadi HSBC Bank Malaysia Bhd., Lim Eng Seong dalam kenyataannya di sini.
Selain meningkatkan pelaburan, pilihan lain bagi golongan mewah Malaysia adalah mempelbagaikan portfolio aset terutama dalam simpanan (73 peratus), unit amanah (71 peratus) dan pasaran saham domestik (55 peratus).
Dalam aspek minat menabung, tinjauan itu menyatakan kebanyakan golongan mewah Malaysia melakukan perubahan dalam aspek itu dengan menjadi lebih berhati-hati dalam perbelanjaan.
Malah, 88 peratus responden bertindak menangguhkan pembelian dan 83 peratus lagi mengurangkan aktiviti makan di luar.
Dalam semua negara yang ditinjau, kebanyakan responden menjadikan alasan untuk menyediakan kehidupan yang selesa sebagai motivasi untuk meningkatkan kekayaan mereka, kecuali di Australia yang menjadikan persaraan sebagai matlamat utama.
Sebanyak 75 peratus golongan kaya di negara ini merancang menghantar anak-anak mereka belajar ke luar negara dengan memperuntukkan secara purata AS$100,000 (RM350,000) untuk tujuan itu.
Tinjauan Mengesan Kekayaan Asia itu juga mengenal pasti sebanyak satu pertiga rakyat responden Malaysia berpendapat mereka memerlukan antara AS$200,000 (RM700,000) hingga AS$300,000 (RM1.05 juta) untuk bersara dengan selesa.
Sunday, May 17, 2009
Duit Itu Berbau
Perjalanan untuk senang bermula dengan Saving. Asasnya adalah Saving. Untuk menjadi kaya atau financial freedom atau selesa sedikit atau apa-apa saja yang indah yang anda fikirkan bukannya mudah terutama untuk orang-orang makan gaji macam aku yang tengah selesa syok berada dalam kedudukan aman tenteram damai dan selamat. Keadaan ini membuat hamba-hamba kerja dunia moden seperti aku menjadi complacent, malas bertindak, tidak creative atau tidak mahu berusaha lebih. Tiap-tiap bulan cucuk kad di ATM ambik duit gaji dan belanja. Bayar hutang kereta, rumah, personal loan, card credit dan berbagai bil utilities. Bulan demi bulan begitulah pusingannya. Kita mengkayakan banyak syarikat-syarikat yang tentunya diterajui oleh orang-orang kaya atau orang-orang yg mahu lebih kaya lagi. Syarikat-syarikat korporate besar, super/hyper market, butik-butik merekacipta pelbagai cara dan alasan untuk orang kebanyakan kelas pekerja (middle and working class) untuk mengperahabiskan duit gaji bulanan mereka. Persetankan concept pay yourself first. Slogan tua yang sgt tidak sesuai sekarang.
Ramai juga antaranya family muda dengan anak-anak membesar yg perlukan banyak duit. Berderetan senarai keperluan datang secara tiba-tiba tanpa dijangka. Banyak hal-hal yang datang mengetuk pintu meminta duit dengan alasan yang bermutu tinggi.
Terlalu banyak dugaan, cabaran dan godaan. Akan berturut-turut bulan anda akan tidak dapat saving. Pada permulaan semangat boleh dikatakan bersungguh dan berjaya. Tetapi setelah sebulan dua semangat itu pasti akan pudar. Segalanya macam benda adalah perlu, penting dan memang kena, kena buat.
Jika anda berduit, memang anda berbau. Bermacam-macam orang akan datang mengorat atau merisik anda. Nak mintak pinjam ler, bagi proposal cantik ler, ajak beli insurance ler, masuk unit trust ler, ajak join bisness ler, mintak jadi gurantor ler. Semua ini memang susah nak ditolak. Kekadang orang yang nak pinjam itu adalah dari kalangan yang terdekat atau kawan rapat. Ini adalah godaan dan cabaran bagi orang yang cuba menyimpan berdikit-dikit seperti aku dan ramai lagi. Memang memerlukan kekuatan disiplin yang tinggi. Memerlukan jurus angin tahap mahaguru untuk menolak mereka semua.
Kalau tidak godaan dari orang luar, dugaan dari diri sendiri pula. Banyak benda ler pulak rasa nak miliki atau nak buat seperti nak tukar kereta, beli baju seluar , beli electrical appliances, extention rumah ler, pergi bercuti ler, etc. Memang memerlukan kekuatan ilmu batin dalaman yang cekal untuk mengatakan tidak, tidak, tidak berulang-ulang kali.
Kesimpulannya duit itu memang berbau. Dan bauan itu dapat dihidu oleh mereka atau benda-benda yang mempunyai deria daya hidu yang tinggi. Mereka boleh memisahkan anda dari longokan duit yang berbulan-bulan anda simpan itu. Bersedia.
Saturday, May 16, 2009
Seksanya nak menyimpan
Dah 2 atau 3 bulan aku xdpt save. Ada jer benda yg nak pakai duit. Kete rosak ler, insurance ler, roadtax ler dan bermcm-mcm lagi. Refinance rumah pon belum dpt hasil lagi. Dah lama dah rasanya. Aku submitted application 04/03/09. Punya ler lama. Lawyer panggil sign dlm 3 minggu lepas. Bank called confirm and try to counter offer last 2weeks. Tapi redemption letter pon xdpt-dpt lagi. Dah lebih 2bln dah nih. Pegi check kt bank diorg kata biasa proses ini ambil masa 3bln. Pergggh. Dah ler kena byk bayar. Evaluator. Cukai Pintu. Cukai Tanah. Sume kena settle bagi abis dulu. Pakai duit dulu.
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