Many people living for the moment

Maybe your problem is that you "live for today" and don't think about tomorrow. In some ways, living in the moment is great, sure — but not if you turn a blind eye toward your future. How do you know if you've got this attitude toward money? You probably  Use credit too much.  Don't try to pay off your credit balances as quickly as possible, telling yourself there will be plenty of time to do that later.  Save little, if anything.  Rarely, if ever, take time to balance your checkbook, check out your credit reports and credit score, or maintain a household budget. These money attitudes are self-destructive, and they do catch up with you eventually. Starting from now, start living for the future.

Financial Fitness for Life: Advice from America's Top Financial Planning Program

Jerald W. Mason, "Financial Fitness for Life: Advice from America's Top Financial Planning Program" Provides a practical, how-to guide for anyone wishing to gain control of their financial future. Covers all six areas of financial planning in a commonsense approach to daily living. Softcover. DLC: Finance, Personal.

Checklist untuk Masalah Hutang

Jika anda mengata 'Ya' bagi setiap soalan berikut, anda memang mempunyai masalah hutang yang tenat Are you clueless about how much you owe your creditors?  Over time, is a growing percentage of your household income going toward paying your debts?  Do you ever pay your bills late because you don't have enough money?  Have you stopped paying some of your debts?  Are you paying only the minimum due on some of your credit cards because you can't afford to pay more?  Are you using credit and/or credit card cash advances to help pay debts and/or your basic living expenses, such as groceries, rent, or utilities?  Have you maxed out any of your credit cards, or have any of your cards been cancelled for nonpayment?  Do you have little or nothing in savings?  Have you borrowed money from friends or relatives to pay your bills?  Have debt collectors begun calling you, and/or are you receiving threatening notices from some of your creditors?  Are you having a hard time concentrating at work because you are worried about money?  Are you losing sleep because of your finances?  Have you and your spouse or partner begun to fight about money?  Are you drinking more or using illegal drugs to try to cope with your money worries?  Are you an overspender? Anda perlu melakukan sesuatu....!!!

Suze Orman - The Laws of Money, The Lessons of Life : Keep What You Have and Create What You Deserve

Suze Orman - The Laws of Money, The Lessons of Life : Keep What You Have and Create What You Deserve (Audio CD), 5 CD's + 1 PDF Book Orman's fifth major book has perfect timing. As many Americans grapple with unemployment, diminished 401(k)s, crumbling stock market holdings and seemingly insurmountable debt, the bright-eyed and bushy-tailed financial sage comes to the rescue, offering this guide to understanding some of the most basic principles of money. In her signature charismatic style, Orman (The 9 Steps to Financial Freedom; The Road to Wealth; etc.) lays out "simple truths that will help you to be okay no matter what happens in your financial life." These laws are essentially common sense standards, certainly reminiscent of phrases from the author's previous books yet still undeniably powerful. For example, law number one, "truth creates money, lies destroy it," rings with simplicity while teaching a mighty rule about staying true to oneself and not embellishing to disillusion oneself or others. Each law is described in a separate chapter, with examples from Orman's life and several everyday folk. Indeed, readers will see themselves in these stories, and they, coupled with Orman's reality-based financial advice, will help make solutions clear for many. A guide included in the book allows readers to reflect on their financial past, order their priorities, organize savings plans and more. This is a shining example of Orman's now-perfected holistic approach to nuts-and-bolts economics. THE LAWS OF MONEY Law Number 1. Truth Creates Money, Lies Destroy It. Law Number 2. Look at What You Have, Not at What You Had. Law Number 3. Do What Is Right for You, Before You Do What Is Right for Your Money. Law Number 4. Invest in the Known Before the Unknown. Law Number 5. Always Remember: Money Has No Power of Its Own.

Financial Peace University

Financial Peace University is a life-changing program that teaches you how to make the right decisions with your money. You'll be empowered with the practical skills and confidence needed to achieve your financial goals and experience true financial peace! There are 15 Audio CDs with the FPU Workbook PDF Chapter 1: Super Savings Chapter 2: Relating With Money Chapter 3: Cash Flow Planning Chapter 4: Dumping Debt Chapter 5: Credit Sharks in Suits Chapter 6: Buyer Beware Chapter 7: Clause and Effect Chapter 8: Thats Not Good Enough Chapter 9: Of Mice and Mutual Funds Chapter 10: From Fruition to Tuition Chapter 11: Working in Your Strengths Chapter 12: Real Estate and Morgages Chapter 13:The Great Misunderstanding

Get smart about spending and saving -- and ride out a recession!

Get smart about spending and saving -- and ride out a recession! Looking for practical ways to make every dollar count? This savvy guide gives you expert tips for tightening your belt and saving cash in every area of your life -- from your house and car to dining and entertaining to banking and managing debt. You get realistic solutions for making smarter choices and living well in this time of economic turmoil -- without extraordinary sacrifice! Bump up your take-home pay-- spiff up your resume, find a good job fast, explore telecommuting, or start a home-based business Get your personal finances in tip-top shape -- create a budget, pay down debt, save on insurance, and protect your retirement funds Develop recession-proof habits -- use coupons and rebates, extend the life of your wardrobe, utilize community resources, travel on a budget, and save on utilities and fuel expenses Decorate on a dime and entertain on a shoestring -- plan parties, celebrate the holidays, and give gifts without losing your shirt Bounce back from bad financial situations -- improve bad credit scores, and negotiate with creditors or the IRS Open the book and find: 125 tips for making changes in your life that allow you to continue to live well Ways to stand out on paper and in an interview when looking for a job Tips on managing debt -- from working with credit counselors and consolidating your debts to boosting your income Smart solutions for weathering financial emergencies, from bankruptcy to foreclosure

Got Money?: Enjoy It, Manage It--Even Save Some of It--Financial Advice for Your Twenties and Thirties

Got Money?: Enjoy It, Manage It--Even Save Some of It--Financial Advice for Your Twenties and Thirties by Jeff Wuorio For all those young professionals who must now do more than manage their milk money. They're smart. They're talented. They're ambitious. They're the next generation of movers and shakers--destined to rule the new millennium. But when it comes to financial fitness, they're clueless. It's sad, but true; many bright young professionals are completely in the dark about basic money matters. Which is exactly why they need to get GOT MONEY?... This lively financial primer gives readers a genuine financial education (something most schools don't), taking the headaches out of money management, and providing guidance along the path to financial solvency. Broad in coverage and irreverent in style, GOT MONEY? goes far beyond the scope of the dry-as-dust, run-of-the-mill financial book. It shows readers how to: * Set up a budget that's realistic--not masochistic * Find an affordable--and livable--apartment * Shop for a mortgage * Shake off the shackles of student loan debt * Negotiate a salary * Actually find money to invest and then choose wise investments * Control their credit card spending--instead of letting it control them (or why plastic isn't so fantastic!) * Trim their tax bill--without resorting to tricks * Put their money where their technology is--tips for shopping, banking, and investing online (including a listing of web sites where readers can access reams of up-to-date information). As if that's not enough, GOT MONEY? tops it all off with a list of 10 financial follies that readers should absolutely never ever--under any circumstances--commit. Informed sources report that today's young people are more interested in money management than their predecessors--but on the whole remain frighteningly ignorant of the specifics involved. Got Money? Enjoy It! Manage It! by personal-finance writer Jeff Wuorio is a sassy but smart compendium of relevant advice for those in their 20s and 30s who would like to buck that latter trend. After addressing everyday fundamentals, including budget setting and bank shopping, it concentrates on more advanced aspects of individual economics, such as debt, investing, retirement planning, home buying, securing financial assistance, utilizing electronic resources, and preparing for taxes. It also contains tips on such frequently overlooked cash-saving practices as reworking onerous student loans, finding and acquiring adequate renter's insurance, and buying household staples in bulk. "Making the most of your money is not as complicated as particle physics," Wuorio writes. "Granted, some things are more complicated than others, but the lion's share of basic financial ideas and principles are within the intellectual reach of anyone." His book synthesizes a wealth of solid information into one handy resource, and does so in a way that newcomers to the world of finance and investing can easily understand and readily utilize. --Howard Rothman

Transforming Debt into Wealth

I got hold of this audio Transforming Debt into Wealth® By John Cummuta Get completely out of debt (including your home mortgage) in just 5 to 7 years ― and start building real wealth from the first month ― using nothing more than the money you already make! BOTTOM LINE — A typical $60,000 annual income household implementing the Transforming Debt into Wealth® program can save more than $150,000 in interest alone...and be able to build more than $3.5 million in their retirement portfolio in the same time they would have just paid off their mortgage the conventional way! Even if your credit cards are maxed out and you have a huge mortgage to pay off, you can still get rid of all your debt in about five to seven years — and begin rapid wealth-building — without sacrificing the things that matter most to you! This is as close to a financial chain–reaction as you'll ever find. You'll be amazed how quickly your debts melt away and how rapidly your net worth climbs! In this program, you'll learn how to prioritize and pay off every penny of your debt in the shortest possible time. You'll discover how to operate 100% on cash — even in emergencies — so you'll NEVER need credit again. Transforming Debt into Wealth will teach you how to focus every dollar you're currently using on debt payments toward building your wealth. And best of all, it will show you how to do all of this with the money you already make! Exposing the Illusion of Debt A decade ago, debt-education specialist John Cummuta could hardly imagine such a reality. Here was a man who seemed to have it all. Little did he know his life was about to fall apart. Earning over $24,000 a month, Cummuta had achieved what he thought was the "American Dream." He was leasing two luxury cars and an airplane, living in a five-bedroom house in an upscale Chicago suburb and vacationing at some of the most exclusive resorts in America. Then, after the collapse of his company's main supplier, his business folded. Like many Americans, John never imagined such a thing would happen to him. He hadn't saved any money, and he had taken out large credit lines. He was shocked to discover that he had not "achieved" anything; he was simply "renting" a successful lifestyle. His mountain of debt started to feel more like a prison than financial freedom. But now, some nine years later, Cummuta has achieved what once felt like a distant dream. He is completely debt-free, living off income from his investments, and he has a greater sense of inner peace than ever before. And now, in Transforming Debt into Wealth, he'll teach you how to get and stay debt-free forever — without giving up most of the things you enjoy. Experience True Financial Freedom In addition to getting and staying out of debt, Transforming Debt into Wealth will show you how to attain REAL financial freedom. You'll also learn simple, no-hassle strategies for investing your money for long-term growth. And, without debt dragging you down, you'll be amazed at how quickly you can amass a fortune! Believe it or not, after their debts have been paid off, most people can retire in about five to seven years — and they can achieve this using the money they are already bringing home! Far from being a lottery or a get-rich-quick scheme, this is a rock-solid plan, a plan that will absolutely work for you. A Plan That Will Take You from Debt to Wealth. After completing this program, the only bills you will have will be for utilities and taxes. Other than necessities such as food, clothing and medical care, the rest of the money you bring in each month will be yours to spend as you wish. Imagine how fast you could become wealthy by investing a percentage of that money every month. Perhaps you could afford that private school you always wanted to send your children to. You could even take that vacation to Europe you've dreamed of, without the bitter aftertaste of credit debt when you return. Best of all, you won't be vulnerable to job insecurity, aroller-coaster economy or to the government's growing inability to take care of you in your old age. Ultimately, you have a choice: You can pay off your home and other debts the slow, old-fashioned way and maybe end up with a few thousand dollars saved. Or, by following the proven system in Transforming Debt into Wealth, you could pay everything off. Then you could take the same monthly income you earn now and put it into investments that could build your wealth to $1 million or more, all over the same time frame and with the same income! Which plan would you choose? Listen to the audio of Transforming Debt into Wealth today and get on the path to REAL financial independence.

Repair Your Credit and Knock Out Your Debt

Repair Your Credit and Knock Out Your Debt By Jeff Michael A financial first-aid kit that helps you patch up your credit and live debt-free Repair Your Credit and Knock Out Your Debt is a godsend for the 75 million Americans currently trying to dig their way out from under crushing debt. Written in association with Springboard, a leading not-forprofit financial services organization that, since 1974, has helped 4 million consumers get out of and stay out of debt, this results-oriented handbook is a gold mine of proven debt-management strategies and techniques. Drawing upon Springboard's expertise, Jeff Michael walks readers through all the steps to achieving a debt-free existence. He also offers expert advice for the debt-challenged reader on how to deal with foreclosures, evictions, repossessions, costly emergencies, child-care expenditures, and more. Readers learn how to: * Get out of debt as quickly as possible, under virtually any circumstance * Get copies of credit reports and fix what's wrong * Control spending and live debt-free * Restore a line of credit * Cope with the emotional burdens of debt and develop a positive attitude about money * Stop being pushed around by collection agents * Make sense of complex credit and debt legislation and regulations One of my financial ebook collection

The Credit Diet: How to Shed Unwanted Debt and Achieve Fiscal Fitness

John Fuhrman "The Credit Diet: How to Shed Unwanted Debt and Achieve Fiscal Fitness" "You'll treasure the practical insights and the useful tips in this book. You'll think differently, act smarter, and increase your wealth by learning John Furhman's ideas." -Nido R. Qubein Chairman, Great Harvest Bread Co. Founder, National Speakers Association Foundation It's no big surprise that each year thousands of people fall into debt. What is shocking is that many of us accept the fact that we could be in debt for the rest of our lives. John Fuhrman should know because he has been there, but he decided to put a plan together that would eliminate debt from his life for good. In The Credit Diet: How to Shed Unwanted Debt and Achieve Fiscal Fitness, award-winning speaker and bestselling author John Fuhrman uses his personal life experience of overcoming debt to provide you with a practical and easy-to-follow road map that will help you to rise above your current financial situation and take the necessary action to remove debt from your life.

What is AKPK

AKPK is an agency set up by Bank Negara Malaysia in April 2006 to provide financial counselling and debt management to individuals as well as financial education to help individuals take control of their financial situation and gain peace of mind that comes from the wise use of credit. AKPK's objectives are; * To proactively ensure that the household sector continues to be resilient by providing an avenue for individual borrowers and potential borrowers to seek advice and assistance in managing their finances and debts and at the same time promote a sound and robust banking system. * To achieve these objectives, AKPK's mission is to Make Prudent Financial Management a Way of Life for all Malaysians. AKPK offers the following services to individuals, free of charge: * Financial education on the responsible use of credit and basic money management skills * Counselling and advice on financial management, including financial budgeting to manage expenses * Debt management programme to assist financial consumers to regain financial control For more information , go to their website http://www.akpk.org.my/

Fast Track Your Mortgage: Save Thousands and Live the Life You Want

Fast Track Your Mortgage: Save Thousands and Live the Life You Want It's no secret that you can save thousands off your mortgage by paying it off faster. But which mortgages allow you to do this? And where do you find the extra money to make the additional repayments? In this practical guide, Lorraine Graham takes you through the key steps to paying off your mortgage in a realistic timeframe. She explains the different types of mortgages available and shows how to calculate the one which best suits you. This is not just a book about throwing everything you can spare into your mortgage but a whole new way of managing your finances so your money works for you. But it doesn't end there. Once you've paid off your mortgage, Lorraine shows you how you can use the money you saved to invest for a secure financial retirement - and ensure you enjoy the lifestyle you deserve. Whether you are single, a young family buying your first home, or an older family with an established mortgage, this book will show you how you can save thousands on your mortgage without compromising your lifestyle.

The 8 Principles of Success

Excerpted from Bro Zahiruddin at uruswang.com The 8 principles of Success are: Principle #1 – Action Principle #2 – Know your end result Principle #3 – Focus Principle #4 – Discipline Principle #5 – Time Consciousness Principle #6 – Whatever it takes Principle #7 – Effective Communication Principle #8 – Leverage Please download at his website at http://www.uruswang.com/8-principles-of-success.pdf

Amalan-amalan berguna agar murah rezeki dan bebas hutang

Antara amalan amalan yang perlu dilaksanakan oleh setiap induvidu Muslim agar dimurahkan rezekinya oleh Allah s.w.t. Terdapat 11 amalan murah rezeki iaitu. 1. Dalam surah al-A'raf ayat 96, Allah s.w.t. menjelaskan keutamaan takwa dalam konteks dimurahkan rezeki,yang bermaksud: " Dan (Tuhan berfirman lagi): Sekiranya penduduk negeri itu, beriman serta bertakwa,tentulah Kami akan membuka kepada mereka (pintu pengurniaan) yang melimpah-limpah berkatnya, dari langit dan bumi. Tetapi mereka mendustakan (rasul Kami), lalu Kami timpakan mereka dengan azab seksa disebabkan apa yang mereka ushakan." 2. Banyakkan Doa. Doa dan zikir merupakan ibadah yang besar nilainya di sisi Allah s.w.t.Mengingati Allah s.w.t sama dengan zikir ataupun doa merupakan penyebab kepada kemurahan rezeki dan keberkatannya, penjauh dari segala bala bencana dan mudarat.Mereka yang tidak berdoa adalah golongan yang sombong dan bongkak, ini kerana mereka lupa bahawa rezeki itu datangnya daripada Allah s.w.t. 3.Banyakkan Sedekah.Orang yang banyak bersedekah adalah orang yang tahu akan kebaikan di masa akan datang. Allah s.w.t. telah berjanji melalui firman-Nya bahawa akan menggantikan apa saja yang didermakan di jalan-Nya. 4.Buat Baik kepada Ibu Bapa. Kebahagiaan dan juga kesenangan yang dianugerahkan oleh Allah s.w.t. kepada seseorang itu adalah bergantung restu ibu bapa mereka. Oleh yang demikian, berbakti kepada orang tua adalah amalan yang wajib dilaksanakan agar kita peroleh kemurahan rezeki. ingatlah doa ibu bapa untuk anak anak mereka adalah mudah dikabulkan oleh Allah s.w.t. 5. Banyakkan istigfar. perkara yan paling utama menjamin turunnya rezeki daripada Allah s.w.t. ialah istigfar dan bertaubat kepada Allah s.w.t. Menurut al-Nawawi, taubat hukumnya wajib atas individu Muslim. dengan memperbanyakkan istigfar, Allah s.w.t akan menurunkan rezeki kepada hamba-Nya itu. 6. Solat Dhuha. Solat Dhuha ialah solat pada waktu matahari naik bermula dari matahari tinggi sepengganla dan tamat waktunya apabila gelincir matahari. ia dikerjakan sekurang-kurangnya dua rakaat, boleh empat rakaat, enam rakaat atau lapan rakaat. Rasulullah s.a.w. amat menggalakkan umatnya melakukan amalan ini.Bila melakukan solat dhuha kepada Allah s.w.t. mintalah semoga Allah s.w.t. membuka pintu rezeki. 7. Baca Surah Al-Waqiah. Amalan ini juga sangat elok diamalkan dengan membaca setiap pagi agar seseorang itu tidak akan dilanda papa atatu kemiskinan dalam kehidupannya. Ini juga merupakan antara amalan harian Rasulullah s.a.w. 8. Beri Makan Kepada Haiwan-haiwan. Setiap Muslim hendaklah meletakkan dalam fikirannya bahawa bantuan Allah s.w.t.akan turun kepada seseorang itu apabila ia membantu makhluk Allah s.w.t. yang lain di muka bumi ini. Tidak kiralah sama ada makhluk itu anak Adam, mahupun binatang-binatang ataupun tumbuhan.Sedangkan batu pun sentiasa bertasbih kepada Allah s.w.t., inikan makhluk Allah s.w.t. yang bernyawa. 9. Jangan Menyeksa Binatang. Menyeksa binatang adalah melanggar Sunnahtullah dan sama seperti merosakkan ciptaan Allah s.w.t.Dalam Islam ini sudah pasti dilarang sama sekali kerana setiap amalan buruk itu akan dibalas oleh Allah s.w.t. sama ada terus di dunia ataupun di akhirat kelak. 10. Sambung Silaturahim. Yang dimaksudkan sambung silaturahim menurut Mulla 'Ali al-Qari ialah berbuat ihsan (baik) kepada kaum kerabat yang mempunyai hubungan kekeluargaan dan perkahwinan.kita dituntut melakukan kebaikan terhadap mereka dan mengambil berat tentang hal mereka. Terdapat hadis menunjukan kepentingan menghubung silaturahim untuk mendapat keberkatan rezeki. Antaranya, hadis yang diriwayatkan oleh Abu Hurairah r.a., bahawa Nabi s.a.w.bersabda yang bermaksud: " Sesiapa yang ingin diperluaskan rezekinya,dipanjangkan umurnya,maka hendaklah dia menjalinkan silaturahim."(HR Bukhari) 11. Membayar Zakat. Zakat merupakan salah satu Rukun Islam dan wajib dikeluarkan setiap individu Muslim yang berkemampuan. Setiap apa yang ditetapkan oleh Allah s.w.t. itu ada ganjaran bagi mereka yang melaksanakan dengan hati yang ikhlas semata mata kerana Allah s.w.t. Zakat juga merupakan salah satu cara membantu golongan fakir miskin dan sudah semestinya Allah s.w.t. akan membantu mereka yang membantu saudara mereka.

Hidup cara susah

Kalau hidup kita susah, hiduplah cara susah. Baru kita boleh senang. Itulah cara hidup orang yang mempunyai financial Intelligence.

Tiada gunanya kita menunjuk senang pada orang lain sedangkan diri kita sendiri tahu bahawa kita sebenrrnya hanya bermuka-muka dan sanggup berhutang agar nampak senang.

Jika anda susah, hiduplah cara susah. Jika anda kancil, jangan cuba berak seperti harimau. Kalau anda susah dan anda hidup cara senang, masa depan anda akan kelam.

Orang yang ada 'financial intelligence' itu mudah tapi dia hidup cara susah. Setiap saat kehidupannya berfikir cara 'survival' dan dia sedar bahawa yang paling 'fit' sahaja yang akan 'survive'. Jika anda tidak percaya, tanyalah kepada mereka ini. Mereka sentiasa berkata 'cari makan' tapi sebenarnya mereka sudah jauh lebih senang dari semata-mata 'cari makan'.

Mereka bukan tamak, tapi mereka ada muslihat lain dari hala wang. Biasanya itu adalah untuk membela nasib keluarga atau bangsa atau agama mereka.

Hidup cara susah itu senang saja. Anda perlu sabar. Kalau tidak mampu, jangan beli. Kalau tidak mampu beli kereta, jangan beli. Kalau tidak mampu sewa rumah, tinggal rumah ibu bapa. Kalau tidak mampu sewa kedai, buat di rumah. Tidak ada gunanya cakap besar pada orang lain sedangkan anda tahu bahawa diri anda sebenarnya 'sengkek'.

Kalaulah ada yan berkata perkara ini kepada anda, anda tentu akan marah atau kecil hati. Itulah sebenarnya ramai orang tidak bercakap perkara ini kepada anda tetapi bercakap dibelakang anda.

Jalan mudah untuk mendapat wang

Adakah anda mencari jalan mudah untuk mendapat wang?

Mungkin, kerana itulah hidup anda sentiasa susah.

...Fikirkan lah.................

Who's Watching Your Money

Who's Watching Your Money: The 17 Paladin Principles for Selecting a Financial Advisor by Jack Waymire


Praise for Who's Watching Your Money?

"The biggest decision every investor faces is the selection of a trustworthy financial advisor. It is also one of the toughest.

There is a lot at stake: your assets and your financial future. So, it pays to make the right choice. With almost one million financial advisors in America, how can you pick the right one? Waymire has the perfect answer."
-Paul B. Farrell, JD, PhD, columnist, CBS Marketwatch.com

Don't let blind trust determine your financial future. Read Who's Watching Your Money? and learn how you can overcome the daunting task of finding a competent, trustworthy financial advisor.

Who's Watching Your Money? is an invaluable guide for the millions of investors who have either unknowingly selected a poor-quality advisor or have yet to find someone to help them achieve their financial goals.

Filled with in-depth insights and expert advice, this book skillfully describes the problems associated with finding, evaluating, selecting, and monitoring a financial advisor. To guide you on your journey, Who's Watching Your Money? outlines "The 17 Paladin Principles." These proven principles-developed by author Jack Waymire-provide a summary solution that will dramatically increase the probability of finding a quality advisor to help secure your financial future.

Knowledge is power, and after reading Who's Watching Your Money?, you'll be empowered to take control of your financial future before you run out of time.

p/s: So be extra careful, most of them do not walk the talk.

KWSP - Simpanan hari tua anda

Kita selalu mendengar slogan "Simpanan Hari Tua Anda" di bill board untuk Kumpulan Wang Simpanan Pekerja atau singkatan kepada KWSP.

Adakah KWSP mencukupi untuk simpanan hari tua anda? Betul, anda mendapat dividen setiap tahun, tetapi dengan dividen sebanyak 4.5% untuk tahun 2008 iaiatu satu nilai yang rendah dengan nilaian BLR. Adakah ini relevan untuk simpanan hari tua anda?

Sudah tentu tidak, bukan. Anda perlu melabur wang tersebut untuk gandaan dan dividen yang lebih baik dari pada itu.

Tujuan penubuhan KWSP adalah seperti dibawah:

Kumpulan Wang Simpanan Pekerja (KWSP) adalah dana pencen terulung di Malaysia yang menyediakan jaminan asas kewangan bagi persaraan.

Ia hanya menyediakan jaminan asas kewangan sahaja.

Anda yang perlu menentukan masa depan kewangan anda.

Tepuk dada tanya sendiri. Belajar dan fikirkan cara untuk melabur tanpa perlu mendapat 4 - 6% sahaja setahun.

Belajarlah instrument kewangan masa kini!!

Love and Money: A Life Guide to Financial Success

Love and Money: A Life Guide to Financial Success


“The financial decisions we make in our lives are sometimes not the easiest to discuss but have long-lasting effects. [Opdyke’s advice] has opened the door in my relationship to conversations that were a long time coming.”
–Josh, regular reader of Opdyke’s “Love & Money” column, Florida

Real answers to real questions about money and relationships:

• I have too much debt and my credit isn’t very good. How can I fix my financial problems? And how do I break the news to my boyfriend?
• How do I teach my kids the value of money, when my parents shower them with expensive gifts?
• My wife makes more money than I do, does that give her a greater voice in our financial decisions? Are we still equal?
• How much should I give my child in allowance? And will it really help him learn the value of a dollar?
• We want to have our first baby, but we don’t know if we can afford it yet. How much money do we really need to have in the bank?

If you’re like most people, you’re struggling with questions like these. Whether we like it or not, money makes a big difference in the choices we make and the lives we lead. Unresolved questions about money can put unwanted stress on even the healthiest relationships–between spouses, between parents and children, and even between friends. In Love & Money, columnist Jeff Opdyke offers practical personal finance advice, as well as strategies for dealing with touchy financial topics–so that money doesn’t end up costing you something even more valuable.

The Joy of Money

The Joy of Money


Description : “The Joy of Money” explains the language of the money world in an easy to understand, fun way for everybody. The first step to financial enlightenment, it will empower anyone to challenge the experts and ask them the right questions. Taking a fresh, lively approach, “The Joy of Money” clearly explains hundreds of financial terms from the basics like pensions and ISAs, to more advanced concepts like warrants and convertibles. Perfect for those with a phobia about anything more complicated than a savings account, “The Joy of Money” will give confidence to even the most fiscally challenged.

One of my ebook collection

The Complete Idiot's Guide to Getting Out of Debt

The Complete Idiot's Guide to Getting Out of Debt


The American economy is dragging, with unemployment rates rising and consumer debt hitting $2.5 trillion. Many people are in deep and need help. Here, a Certified Financial Planner explains the mathematics of debt; strategies to deal with credit card, mortgage, student, and other loans; why debt consolidation and taking loans from a 401(k) can lead to problems; truths about bankruptcy; and how to use debt while eliminating it.

·Includes essential resources and websites, sample letters and forms, loan forgiveness programs, bankruptcy resources
·Author a Certified Financial Planner
·Covers every kind of debt, mortgages to credit cards to student loans
·National credit card debt is growing exponentially

One of my financial ebook collection!!

Negotiate Your Way to Riches: How to Convince Others to Give You What You Want

I got hold on this ebook from internet.

Negotiate Your Way to Riches: How to Convince Others to Give You What You Want



You can stop paying full price for just about anything. This book not only covers business negotiations, it also teaches you how to get deals on everyday personal purchases.

You can apply the techniques it reveals to anything from buying cars and houses, to getting deals at restaurants or hair salons. Unlike those other books, Peter includes numerous real-life examples of how he has personally conducted such deals. You'll learn: How to develop the negotiator's mindset! 36 specialized negotiation tactics used by the world's leading negotiators; Eight common causes of conflict during negotiations and how to avoid them from the start; A seating arrangement that automatically gives you an advantage during negotiations; How to use different types of discounts to your financial advantage! The best and worst times to ask for a raise or promotion.

Cara untuk membuat Overdraft dengan ASB

1. Anda mesti ada mempunyai simpanan dalam ASB bersama dengan buku sekali

2. Dengan buku ASB tadi, anda perlu ke PNB atau cawangan PNB (bukan Maybank, RHB, CIMB - ni PNB punya agen) untuk menukarkan buku kepada sijil / certificate

3. Setelah ditukar kepada sijil, bawa sijil tersebut ke bank spt RHB, Maybank atau CIMB dan memohon untuk Overdraf bagi cagaran ASB (Ingat, ini bukan Loan ASB)
Pada masa ini RHB menawarkan kadar interest BLR+0 ; Maybank = BLR+0 dan CIMB = BLR-1

4. Kelulusan biasanya mengambil masa 3 hari hingga 2 minggu dan ini bergantung kepada bank masing-masing.

5. Selepas mendapat kelulusan, anda akan dipanggil untuk 'sign offer letter'.

6. Selepas anda mendapat 'offer letter', anda perlu menunggu lagi beberapa hari untuk bank mengeluarkan wang kedalam akaun semasa yg dibuka baru khas untuk OD.

7. Jika anda sudah mempunyai akaun saving dan kad atm; bolehlah memberitahu bank supaya menyelaras akaun OD dengan akaun tadi supaya menyenangkan anda mengeluarkan wang menggunakan ATM.

8. Apabiala sudah siap, anda bolehlah menggunakan OD mengikut perancangan yang anda fikirkan.

Semoga berjaya.

Equation Man - Money = Donkey

Equation 1: Man = eat + sleep + earn money

Equation 2: Donkey = eat + sleep

Therefore:

Man = Donkey + earn money

Man - earn money = Donkey

In other words; Man who doesn't earn money = Donkey

Is ASB a right financial vehicle for Bumiputera

From the fund performance, the income is quite conservative.

ASB Features:

1. Capital guaranteed.
2. ASB is only for the Bumiputeras.
3. Low-Risk.
4. Your money is invested by the fund manager in equities, debentures, bank acceptances, negotiable certificates of deposits and other negotiable instruments approved by Bank Negara Malaysia.
5. Type of returns = Income Distribution.
6. Income distribution will be reinvested into you account as new units.
7. The amount of money you can invest is capped at RM200,000 but the balance of your investment can be of any amount.
8. Price of a single unit is RM1.00. This is the price that you will buy the unit at and the price you will sell the unit.
9. ASB transactions can be conducted not only at PNB offices but also at a number of banks and post offices.
10. According to the master prospectus, the income that you get is exempted from tax.

The returns for ASB for the year 2009 which is distributed as an income was 7.0% with 1.75% Bonus/

For most Bumiputera, this may be a good vehicle to start their investment journey.

Six Routes to Wealth

1. Win It

2. Marry into It

3. Inherit It

4. Sue for It

5. Budget for It

6. Pay Yourself First

Cermin Diri Anda dalam Persoalan Wang

1. Catatkan dengan tulus ikhlas sebab-sebab anda mahu banyak wang

2. Berapa banyakkah wang yang anda perlukan dalam masa satu bulan sekarang? Mengapa?

3. Berapa banyakkan wang yang anda perlukan dalam satu bulan 1 tahun lagi? 5 tahun lagi? 10 tahun lagi?

4. Berapa banyakkah wang yang ada dalam simpanan anda sekarang? 1 tahun lagi? 5 tahun lagi? 10 tahun lagi?

5. Berapa nilai asset tetap yang telah anda beli dengan tunai? (Catatkan hanya nilai yang anda dengan tunai, contoh beli rumah RM100,000 tapi anda membayar sebanyak RM10,000 maka aset anda adalah RM10,000)

6. Setakat ini, adakah anda rasa puashati dengan jumlah wang (dan harta) yang ada pada anda? Mengapa?

7. Mahukah anda mendapat lebih banyak wang dari yang telah anda catatkan dalam perkara 2 dan perkara 3? Mengapa?

8. Bagaimana caranya untuk anda mendapat lebih banyak wang?

9. Apakah perasaan anda bila ada orang menyatakan bahawa orang yang mahu banyak wang itu tamak? Mengapa?

10. Bolehkah anda gembira bila anda punya banyak wang?

Antara dua darjat

Orang yang miskin ialah orang yang sentiasa berbelanja melebihi pendapatannya walaupun dis sangat kaya. Orang yang kaya tidak pernah berbelanja melebihi pendapatannya walaupun dia sangat miskin.

Wang adalah fitnah terbesar

Wang merupakan fitnah terbesar di zaman ini. Mereka yang kurang arif dan tidak faham menganggap wang menimbulkan wang. Golongan seperti ini akhirnya menjadi hamba wang.

Jiwa mereka tertekan dan selalu mengalami ketegangan.

Apabila sesuatu masyarakat tidak pandai dari segi kewangan, sudah tentu bangsa itu menjadi miskin dan mundur. Ini adalah kerana wang adalah simbol kesanggupan menerima tanggungjawab melebihi dari hanya mahu mengisi perut.

Seseorang yang tidak pandai dari segi wang mungkin akan jadi mata duitan. Bila saja anda dikenali sebagai mata duitan, anda dianggap mempunyai reputasi yang kurang menyenangkan. Anda dicap sebagai tamak haloba dan tidak menghiraukan perasaan orang lain. Yang penting dalam hidup anda adalah duit.

Hal yang menyedihkan juga berlaku bila tiada wang. Anda akan dipandang rendah dan hina. Anda dianggap pemalas dan bodoh apatah lagi jika anda hidup dengan meminta-minta dari orang lain.

Ramai yang sebenarnya serba salah dalam persoalan wang. Andai anda mempunyai banyak wang, anda belum tentu boleh bahagia apatah lagi jika anda tiada wang.

Persoalannya, bagaimana caranya untuk anda mempunyai banyak wang dan dalam waktu yang sama merasa gembira dan bahagia? Jawapan nya anda perlulah ada kefahaman kewangan atau financial knowledge.

Islamic Banks in Malaysia

Islamic Bank Berhad

Al Rajhi Banking & Investment Corporation (Malaysia) Berhad

AmIslamic Bank Berhad

Asian Finance Bank Berhad

Bank Islam Malaysia Berhad

Bank Muamalat Malaysia Berhad

CIMB Islamic Bank Berhad

EONCAP Islamic Bank Berhad

Hong Leong Islamic Bank Berhad

Kuwait Finance House (Malaysia) Berhad

Maybank Islamic Berhad

RHB Islamic Bank Berhad

Commercial Banks in Malaysia

Affin Bank Berhad

Agro Bank

AmBank Berhad

Alliance Bank Malaysia Berhad

Bangkok Bank Berhad

Bank Industri & Teknologi Malaysia Berhad

Bank Islam Malaysia Berhad

Bank Kerjasama Rakyat (M) Berhad

Bank of America Malaysia Berhad

Bank Pembangunan Dan Infrastruktur Malaysia Berhad

Bank of Tokyo-Mitsubishi UFJ (Malaysia) Berhad

CIMB Bank Berhad

Citibank Berhad

EON Bank Berhad

Hong Leong Bank Berhad

HSBC Bank Malaysia Berhad

Malayan Banking Berhad

OCBC Bank (Malaysia) Berhad

Public Bank Berhad

RHB Bank Berhad

Standard Chartered Bank Malaysia Berhad

The Bank of Nova Scotia Berhad

The Royal Bank of Scotland Berhad

United Overseas Bank (Malaysia) Berhad

Do you read Suze Orman 2009 Action Plan

If you don't, find and read them.





They offer it for free last time here at
http://www.oprah.com/article/oprahshow/20081119_tows_bookdownload

What is your financial goals

You will need to make a list of goals of what you would like to achieve with your financial planning.

The best thing to do is to write down the financial goals in a list of priorities that are the most important to you, and what is absolutely necessary. This can be goals like paying for education, medical expenses, paying of expensive credit card debts and so on. These are all important things that will back fire on you if you let them lapse.

Secondary goals would be paying of mortgages and car loans and other debt that is less expensive then consumer debts. Prioritize which one to pay first.

Then you should make a list of your personal goals, everything that you are dreaming of and wish for. Like having longer holidays, buying a new car, playing golf or whatever.

The personal motivation for short term goals are often many times stronger then saving for retirement many years ahead. Saving for retirement is what most people are talking about, but in my personal opinion this should be a secondary side goal that comes along with your primary goals.

Make financial inventory of your financial situation

Taking inventory of your financial situation

The first step on the way to financial freedom is to take inventory of your current situation. This is important because you need to know where you are at to be able to make a plan of where you are going to go. Taking an inventory means getting a detailed overview.

It is not complicated and do not have to have fancy equipment or special programs. Start by doing it simple. You will need to write down everything you owe and everything you own.

1 Writing down all your assets
2 Writing down all your liabilities
3 Calculating your net worth
4 Writing down your income
5 Writing down expenses
6 Calculating your net income

Financial Freedom Quote 1

It is not how much you earn that determines whether or not you'll be rich. It's how much you spend.