topic 1 continue....

• fasa 3 - awal 40 an sehingga awal 50 an
• penjelasan hutang
• penabungan untuk pencen
• pengurangan pembelian aset baru
• perbelanjaan untuk kesihatan
• PELABURAN berkurang tetapi banyak memantau pelaburan terdahulu
• kurang membeli polisi takaful yang baru mungkin menjad wakl takaful pula untuk pendapatan tambahan
• mulai berjinak dengan dunia perniagaan

• fasa 4 - awal 50 an hingga akhir usia
• perancangan wasiat / pengagihan harta
• kesihatan
• jelas hutang bercos tinggi
• hob1 baru.. serta club
• pend1dikan anak2

4. berlatih mengurus wang sendiri

• mendapatkan ilmu

5. merancang wang pinjaman pengajian tinggi

• bagi pelajar yang baru mengambil pinjaman wang, perlu mengambil tindakan berikut
• membuat perlindungan - langgani produk takaful saving plan
• mula melabur dalam saham amanah

6. suami sebagai pemberi belanja

• walaupun isteri bekerja, tanggungjawab menyara keluarga tetap di bahu suami
• adakan perbincangan awal
• berapa yang sanggup dikongsi
• suami tempat perlindungan isteri, jalankan tanggungjawab sepatutnya sebelum dipersoal diakhirat kelak
• berbincang dan membuat catatan semua keperluan keluarga, catatan perbelanjaan
• membuat senarai barang yang hendak dibeli di pasaraya. jika ada sesuatu yang hendak dibeli tiada dalam senarai, jangan beli pada hari yang sama, tetapi beli keesokan hari ( delayed gratification/ menunda pembelian )
• bukan praktiskan "immediate gain"/ pembelian segera yang sering digambarkan melalui iklan kad kredit.

7. isteri sebagai pengawal bajet keluarga

• untuk menjawat jawatan tersebut
• isteri tahu pendapatan bulanan pasangan
• catat segala perbelanjaan
• sedia perancangan kewangan
• usaha mengurangkan perbelanjaan yang tidak diperlukan
• berusaha tingkatkan pendapatan keluarga
• sedia garis panduan perbelanjaan keluarga
• sedia tindakan disiplin jika tidak dipatuhi
• BNM ada menyediakan buku perancangan dan penyata kewangan keluarga

8. naik gaji naik pelaburan

• kenaikan gaji dibahagikan dengan
• 1/3 ditambahkan kepada bayaran hutang kad kredit/ pembiayaan peribadi dll
• 1/3 tambahan caruman polisi takaful
• 1/3 pelaburan bulanan

stay tune for topic 2 : menguruskan perbelanjaan...............

topic 1: merancang kewangan

" KITA TIDAK PERNAH MERANCANG UNTUK GAGAL TETAPI SERING GAGAL UNTUK MERANCANG "

1. Pendapatan yang BERKAT.

• selidiki sumber kewangan pasangan masing2. Sebab tanpa pendapatan yang diberkati, no point in planning your financial coz it just wont work.

2. Peta Perjalanan Kewangan

• lakaran satu garisan jangkaan hayat usia anda.
• informasi tentang matlamat pelaburan, dan peristiwa2 penting seperti komitmen terhadap kenderaan, rumah dan juga matlamat keluarga seperti perkahwinan, pelaburan untuk anak2 serta tabungan persaraan

3. Rancangan kewangan mengikut fasa kehidupan

• fasa 1- awal 20 an hingga awal 30an
• merupakan titik permulaan
• pembelian kereta, rumah,
• corak pemakaian ke tempat kerja
• bayar hutang pendidikan
• wang ihsan kepada ibu bapa dan sumbangan kepada ahli keluarga yang memerlukan
• JANGAN MENJEBAKKAN DIRI DENGAN HUTANG KREDIT
• PELABURAN : mencuba saham amanah berbentuk ekuiti dan pembelian polisi takaful berbentuk tabungan

• fasa 2 - awal 30 an hingga awal 40an
• pendapatan lebih meningkat
• menyusun semula hutang
• pembelian kereta yang lebih mewah, pengubahsuaian rumah atau rumah baru
• peruntukan melancong, haji, umrah
• PELABURAN : pemilihan saham amanah berbentuk balanced ; portfolio mengandungi 50% bon/ 50% saham
• PELABURAN membeli hartanah yang lain
• polisi TAKAFUL mengambil dengan 'critical illness' ( kesihatan ) dan tabungan pendidikan anak2

to be continued with fasa seterusnya...............................

ke mana wang anda ?

ini adalah satu rujukan yang sangat diperlukan dan ilmu yang penting untuk dimiliki oleh setiap orang. Hajah Rohani Datuk Hj Mohd Shahir memberi panduan lengkap untuk menangani isu yang kini menjadi bebanan terutama para belia yang baru hendak memulakan kerjaya dan perlu mempunyai perancangan yang teliti untuk masa depan dan bukan hanya untuk masa kini sahaja.

saya akan kongsikan sedikit sebanyak topik2 yang di ketengahkan di dalam buku ini..

among the topics include:

merancang kewangan

menguruskan perbelanjaan

pelaburan untuk anak2

hidup selesa tanpa hutang

peluan tingkatkan pendapatan

persediaan masa depan

until than... 

inspirational ustazah isfadiah mohd dasuki

i first came across her in the show Assalamualaikum from TV Al Hijrah and was captivated by her way of speech. Very soft but firm and full of passion on the topic discussed. Adding to that, she was discussing a topic that is very dear to my heart, on childrens. The topic at the time was '14 Fitrah Anak2'.

She is an inspiration to me coz I am very much interested in focusing on children 's developement and she has done a lot of work into this field..

we can find her profile in this blog "bimbingansejati.blogspot.com "

So watch out for the up and coming ustazah for more talk with regards to children, parenting and motivation.

ustaz don: kemunculannya dirasai!

dalam zaman yang penuh cabaran ini,

manusia, umat Islam khususnya,

berada dalam arus cabaran yang terlalu besar,

ada yang masih mencari-cari..

dan ada yang menjadi hanyut dalam dunia yang sementara..

however, we are blessed by Allah SWT that there are a person in our society which whom has been able to touch us in his own persona..

a different or may I say current style of approach..

more suited to the younger generation we are today..

he has absolute wisdom and charisma which hopefully would be able to create interest in us the younger generation

ustaz don.. penyampaian yang bersahaja dan penggunaan ayat yang simple serta penghayatan yang 'animated'

so people!

google him up..watch his video... you bound to stick around to listen/watch his talk..

he'll be great to represent the next generation of Islamic preacher and his understanding of approach will do wonders! Insya Allah!

We pray that Allah will guide us!

THE WEALTHY SPIRIT: DAILY AFFIRMATIONS day 11 By Chellie Campbell

Playing the Piano

 

“If people only knew how hard I work to gain my mastery, it wouldn’t seem so wonderful at all.” —Michelangelo




You can learn how to play the piano. You can study music composition and theory, learn to read music and build dexterity in your fingers. You can buy the finest piano money can buy, rent an auditorium, sell tickets and gather an audience.

But if you don’t actually put your fingers on the keyboard and play—nothing will happen. You can sit in front of the piano and think “Ohmmm, I’m playing beautiful music, ohmmm...” but unless you’ve rigged a player piano, no music is going to come out of it.

I meet a lot of people who repeat their positive money affirmations every day, but never send out ships. They are not affirming—they are wishing. Affirmations aren’t magic words. They don’t conjure money out of the air. You use them to build your positive energy to the point where you start feeling and believing in your success—and with enough repetition, it becomes real to you, physically and emotionally in your body. From there you start feeling yourself motivated to take action. Action, backed up by the positive beliefs, creates the music.

A client of mine told me she was practicing her affirmations every day, but wasn’t sending out any ships. When I told her affirmations weren’t enough, that she had to reach out to people to sell her services, she rebelled. “Well,” she said sulkily, “I have a friend who’s in business and she doesn’t have to do that—she gets a lot of business through word-of-mouth referrals and never has to market her services.”

“Great!” I said. “I suggest you call her up and find out how she does it. If there is a magic way to get business to come to you without having to do any marketing, I’d love to know what it is. Let me know what you find out.”

She hasn’t returned my calls lately. My guess is wishing isn’t working.

Are you practicing? Sending out ships? Or wishing?

Today’s Affirmation: “My affirmations inspire me to send out ships

with abundant enthusiasm!”



THE WEALTHY SPIRIT: DAILY AFFIRMATIONS day 10 By Chellie Campbell

The Money Is in the Phone

“Everything you want is out there waiting for you to ask. Everything you want also wants you. But you have to take action to get it.” —Jack Canfield

As a single person working alone in my own seminar and public speaking business, I send out ships on a daily basis. Some are medium-sized cargo ships like speaking at a networking meeting where I can meet many potential clients. Appearing on television or speaking at a national conference are large cruise ships. Writing this book was an aircraft carrier! But my bread and butter canoes are follow-up telephone calls to people I’ve met who are interested in my work. I close all of my sales on the telephone so I know that “The money is in the phone.” To remind myself of this, I spray-painted my telephone gold. I paint my fingernails gold, too. It’s a mnemonic device, reminding me that the riches I desire are often just a phone call away. It’s not “Cold Calling,” it’s “Gold Calling!”

Follow-up phone calling is a discipline. I work alone at home, and often people will ask me how I stay focused on work with all the distractions that are possible. You know, the laundry, personal chores, housekeeping, food, Oprah. (Oops, well I do watch Oprah—she’s terrific—and I plan my afternoon break for that. And I hate laundry, so that’s no distraction.) But for the most part, it’s easy to stay focused on my job. All I have to do is pay some bills. When there’s no more money, I remember that “The money is in the phone.” I get busy and call potential clients.

Where is your money? If you’re a business owner or in sales, your money is in the phone. If you’re employed, you sold your boss on hiring you. Ask your boss where she thinks the money is in your business. Pay most attention to your tasks at work that produce income. Businesses must make money to survive and pay you—how can you help them make more money more efficiently?

Focus on sending out the ships that bring in the treasure.

Today’s Affirmation: “My phone is ringing off the hook

with people calling to give me money!”