MoneySmart 理财有方

Research from MBB

2009-05-08T15:13:00.005+08:00

040509 MBB Research

Publish at Scribd or explore others: Business & Economics Research

Research from MBB

2009-05-08T15:13:00.003+08:00

040509 MBB Research

Publish at Scribd or explore others: Arts & Architecture Research

US Bank Test- Report from MBB

2009-05-08T15:07:00.001+08:00

US Bank Test

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SmartMoney E-gazine

2009-03-07T19:58:00.002+08:00

Dear Friends,
Your can read this Money megazines
Smart Money (2009-03)

Publish at Scribd or explore others: money 2008

Tax Filing Month

2008-04-19T17:12:00.002+08:00

30 April 2008...This is the date everyone can not afford to miss. Final submission deadline for those who are under employment.

This year I think the IRB will get a performance grade A especially its IT Dept. The website has no encounter any high traffic issues yet...I hope.!!

IRB keep up the good work and the efficiency of work.

Understand The Importance of Savings

2008-03-08T10:00:00.002+08:00

I read this article from CIMB website.

Life has evolved into a constant battle of survival. So, how do we strike a balance between work and life but yet have the means to face tomorrow?

Saving up way ahead for that survival will help to determine how well we cope with the surge of challenges that may come our way. We’d never know what will happen tomorrow, so it’s really important that we plan ahead and get ourselves prepared the best we can to weather the “unexpected” in life.

Here are some tips on what you can do to help you gear up for what lies ahead:

Back to Basics – Plan how much you need to save each month, Calculate how much you’ll need to retire, Action: execute your plans & Reassess progress of your plan along with your financial goals every year.

Employer Provident Fund (EPF) – It would be good if you can get your hands on your latest EPF statement. This can be a very useful tool when assisting you in your financial planning; especially in setting your financial goals and form a great platform for your annual evaluation.

Expenses Tracking – Record every spending of every item that you purchased. Use a notebook or an Excel spreadsheet to track. Always request for receipts as reference. By the end of 3 months, study your spending pattern each month. From here, you should have a better idea of where to trim so you can save more money.

Stretch Your Investments – Maintain the consistency when allocating a sum of money for savings. Treat it as part of your fixed expenses. Watch your investments grow as you reap benefits from higher interest rates in Fixed Deposit Accounts or return on investments in your Unit Trust Accounts.

Avoid Plastic Money – Don’t spend what you have yet to earn. That’s what you do when you utilize your credit cards to pay for items purchased. Let’s not forget that you have to pay for the hefty 18% interest charged monthly. If you have to use your credit cards, be sure to use them wisely. Else, you could end up in serious debts!

Rainy Days – Our parents are right about the importance of saving up for rainy days. Ideally, you should allocate at least 6 months of your basic living expenses for your rainy days fund. If you’re able to fulfill this faithfully, you’ll be in a better position to handle any emergencies that may involve huge funding.

Realistic Goals – Set realistic goals for yourself. Plan ahead on your own and your family’s future. Eg. You want to retire by age 40? Send your kids overseas for the best University education? Prioritize your goals and number of years you have to achieve that goal.

Set Terms – There are 3 basic categories of goal setting:

Short-Term Goals for items you wish to buy within 1-2 years’ time. Eg. Paying off your credit card debt or a vacation to Bali. A basic Savings Account may be suitable as it provides short term benefit and security.
Mid-Term Goals caters for goals that need to be met within 5-10 years’ time. Eg. Buying a new home or MPV. Fixed Deposit (FD) Accounts and investments in Unit Trusts are a good start to yield a higher return rate with moderate risk involved.
Long-Term Goals are usually the ultimate targets of what you hope to achieve beyond 10 years’ time. Eg. A comfortable retirement or saving up for your toddler’s education fund. Stocks and mutual funds cater for this objective best as they offer potential higher rate of return but with higher risks as well.

花旗調查：大馬人理財智商不及格

2008-02-16T16:58:00.008+08:00

"一旦失業‧44%只能應付10週生活 !!!"

大部份大馬人對個人理財、明智投資和退休計劃的重要性顯得一知半解，“理財智商”僅取得平均49分的不及格分數。

理財規劃
正所謂“人無遠慮，必有近憂”,準備6個月急用金，作為失業、事故等意外或突發狀況的應急資金最為理想。
但調查顯示，一旦面對失業，僅有38%大馬人現有存款足以維持11個星期至3個月的日常開銷，44%存款僅足以維持最低1至10個星期生活. 其中涵蓋個人理財、財務規劃、退休計劃等11項領域，每項訪問包含30道問題，共有400個受訪者通過網絡參與調查。
“理財智商”調查主要鑑定大馬人對個人理財和理財習慣的瞭解度，其中涵蓋個人理財、財務規劃、退休計劃等11項領域，每項訪問包含30道問題，共有400個受訪者通過網絡參與調查。

工作保障感到有信心-68%，

未來財務狀況 :

非常樂觀-13%，

樂觀為 -54%，
悲觀 -33%。

儲蓄的習慣-大馬人對未來過於樂觀

培養每月儲蓄的習慣-37%，

有餘錢時才儲蓄-46%，

完全不儲蓄其餘-17%

雖然大馬是全球儲蓄率最高的國家之一，但一旦失業，在仍需應付日常開支的情況下，

大馬人現有存款僅足以支撐未來10個月的生活。半數人花費超預算

投資和財務管理

瞭解或非常瞭解金錢和個人理財的概念-35%，
理財概念擁有認知-37%，
理財一無所知-8%

開銷預算

依照預先制定的預算進行消費-28%,

消費支出卻經常超出預算-57%

未擬定開銷預算-15%

金錢管理和投資知識水平

中庸和貧乏-65%

投資達人-35%

親力親為-大馬人最愛

會計師或理財師求助-10%
金錢和理財觀念主要來自於親朋戚友-35%、
報章雜誌等-21%

未有退休計劃-79% ; 完善退休計劃-21%

瞭解退休需要,完善執行所制訂的計劃-18%

退休求要不確定，但仍有些許儲蓄-47%

退休需要不瞭解-18%

未開始規劃-17%

退休生活信心

退休生活感到懷疑-60%

非常有信心”和“有信心-40%

退休焦點

非常看重子女在退休時期的財務支援-45%

財政獨立-55%

Monthly Personal Budget

2008-02-16T13:13:00.003+08:00

I found a very good personal expense tracker. Use it to monitor your spending. This is a good practice and know your 'Money' in very 'Smart' way.

Go to link http://spreadsheets.google.com/pub?key=p5iS2qb9iQN1QbVyFDiYkSA

Happy to be MoneySmart

The Big Hole

2008-02-12T22:56:00.000+08:00

As a citizen of the country, I feel that I need to raise the 'old'. hot and controversial 'Kopitiam Talk' agenda....which is ......................"Generousity of the 'MP & Gov' during the Election period.

I think most of us agreed this phenomena. Everyday morning, when you are driving to your office lazily...perhaps at 50km/h, you will be still be awaken by a sudden shocking sound..."Kruk..Kruk" !!!..........Then, you will start blaming!!!!
What is that?!...that is the sound when your vehicle hits on a big hole in some where middle of the road...which was there since '4 1/2 years' ago...
Why I said "4 1/2 years ago"........I think you will understand my message....
(If you don't....leave it and you shall find out later..)

Suddenly, on the one morning, and you are driving at the same speed and arrive at the same spot, your drive has become so quiet till you almost fell 'asleep'..... I wonder why???!!!

This is I called it the 'The Day Phenomena'.

Everybody notice that big hole for the past 4 1/2 years, but just do not know why 'they' do not borther to take any action...until the last 6 months, 'they' notices that big hole which 'they' claimed is unsafe for vehicles and could cause fatal accident.

For the past 4 1/2 years, 'millions' of complaints sent. All these just 'MIA' ... " Missing in Action"
When you see 'them', 'they' were just inform you that the action is on the way...(if you lucky..) or 'they will tell you no budget'....

The last 6 month before 'the day', all budget just approved.... it meally took 4 1/2 years to approved..............

Many upgrading projects will be carry out every where....today left lane of the road....then tomorrow the right lane....and continue.....

In my mind, during my way home from work......thinking that finally ' started working'......(serving us a country citizen)

Again, come to my mind, after the 'Day', 'they' will 'hibernate' and reserve the resources for the next 4 1/2 years.

Conclusion, be make use of your power and only empower those who you think fits and serve the public well.

'Kopitiam Talk' : a term used by those who sit together at a coffee shop and chit chat on any topic..

5方法讓你更富有

2008-01-12T15:39:00.000+08:00

5方法讓你更富有
財富廣場 2008-01-05 18:37
第1條：瞭解小錢的威力
很多人都認為投資得有一大筆錢才能開始，總存有“我手頭上的錢暫不寬裕”的心理，他們認為投資一次性至少也得是萬兒八千的，否則就沒什麼意義。但是富翁的錢也是從1元錢攢起來的，財務自由不是一天就可以實現的。
第2條：財務自由的準備
你現在節約下來的每一元，都是你將來的財務自由的每一元堅固基石。攢錢是如此，花錢也是如此，花20元錢和40元錢也許一次比起來沒有什麼區別，但時間長了，所產生的貧富差異卻十分懸殊。
第3條：為你的將來打算
幾年前一個朋友說，她不願意投資股票，因為她不想等10年才成為富婆，她想享受眼前的生活。這種思想的不利之處在于，10年後她活著的幾率很大，到那個時候將面臨的問題就是她是否比現在過得更好。你當前的生活條件是由你過去所做的投資而決定的。所以，不妨在此刻為你的將來做好準備！
第4條：買公司股票代替買產品
有些人總是在問為什麼總存不下錢，他們總是覺得錢是花出去了，但從來沒見任何回報。道理很簡單，他們能夠不再買公司所銷售的產品，開始買公司本身。美國對有錢人（年收入22.5萬或持有300萬資產）做的一項調查表明，富人會把他們全部收入的30%左右拿去投資或儲蓄。這並不一定可以致富，但卻是他們成為富人的原因。
第5條：錢多並不是關鍵
想成為一個百萬富翁，如果你的工作只付給你每年18萬的薪水，最糟糕的打算就是你需要同時找6份工作，掙了100萬的同時你也會垮掉的。但是仍有很多每年賺100萬的人，他們只有一份薪水，但卻不斷的有支票入賬。二者的區別就是，智者並不看存折的薄厚，而是看怎麼才能讓裡面的錢高效地運轉起來

我要花把紅變多

2008-01-12T15:22:00.000+08:00

財富廣場 2008-01-05 18:29

為甚麼公司賺錢，花紅、獎勵金和調薪這麼少？
為甚麼別人至少2個月花紅，外加獎勵金和大調薪，我都沒有？
為甚麼我鞠躬盡瘁，公司回報那麼少？
為甚麼？為甚麼？為甚麼？
一連串的不忿和疑問，這期間患上“眼紅症”的打工一族特別多。
跳槽“三部曲”的首部和第二部曲，即尋找機遇和領取年終獎金開始在耳際響起。一些僱員確定公司沒有甚麼特別獎賞，早早就已經遞上辭呈。
所以，最後一部跳槽曲起奏與否，年終花紅往往是導火線。
年初1月至農曆新年後1個月的這一打工一族蠢蠢欲“跳”的動盪期，我們要用怎樣的心情和態度去面對花紅？
發發花紅財
請問你拿幾個月花紅？這問題有些尷尬。
眼看別人花紅拿得手軟，明年拿雙糧是否好生羨慕？無論有沒有花紅、多或少都有對策。
策略一：賺別人的花紅對象：沒有花紅的打工族
看其他人的豐盛花紅，不一定只有流口水的份兒，還是可以趁機撈一筆“花紅財”。
手握大筆花紅者，金錢必定流入市場，提供龐大商機。以倫敦為例，花紅增加不僅帶動倫敦房價快速飆漲，名牌商品更成為搶手貨。
當地房地產商指出，去年倫敦房價大漲30%，連鄉下的農地價格都上漲20%，就是手握一筆動輒百萬英鎊花紅的富豪所賜。
更讓人咋舌的是，搶購頂級房車勞斯萊斯的名單已經排到第5年。富豪爭相購買地位表徵的超級遊艇，造成遊艇員工嚴重不足的窘境。
細數之下，衣食住行，品質好的高檔產品，象徵身份地位的奢侈品行情不俗。
以此類推，原本做廉價房產經紀，可往高檔房產邁進。經營餐廳者，除了食物品質，也要在門面主題裝潢下工夫。
另一個不可忽視的領域就是孩子的市場，有能力的父母不吝給予更好的生活，尤其是孩子的身心教育。
所以，除了普遍的補習中心，各種才藝班、興趣班和人格培訓班，成為有利可圖的良心事業。
再來，則是零售業、旅遊業以及財富管理領域。
看準旺勢，想想如何讓別人的花紅流入自己的口袋。
策略二：讓花紅變大對象：有花紅的打工族（不管多少）
先不論今年花紅有多少，更重要的是好好利用，讓花紅從一個月滾大成兩個月，或更多！
少有少理，多有多理。基本上可從兩方面談起：消費和創造收入。
花紅或獎勵金一到手請不要瘋狂散盡。就如同，你不會把每個月薪水用完一樣。
儘管清還負債，後把花紅利用在得以創造更大財富方面。
自我提升，報讀一些對工作相關或有興趣課程。改善工作表現和技能，未來就擁有更多條件要求花紅。
說到增值，投資布局仍是免不了，尤其是年輕人更應該及早作投資。單位信託基金、股市、衍生產品市場、作會、投資房產……那一項投資適合自己？
投資得當，明年的投資回酬，就是對自己額外的一筆獎勵。
所以，要把今年的花紅變大，同時儘量讓明年的花紅更豐厚。
策略三：最後衝刺對象：還不知道有多少花紅的打工族
老闆還在度量花紅的數額，難下決定？人心肉做，就趁余下時間好好表現自己。
這段期間，改掉以往讓老闆不滿的習慣，遲到早退、無故曠工、有破壞無建設等，通通不可犯。
當然，此招適合演技高超的打工仔，要表現得不著痕跡。否則過度積極，不只引起老闆的質疑，更成為辦公室內遭人唾棄的“擦鞋仔”。
最重要的是，可以發揮同事團結精神，向老闆爭取合理的獎勵。即使最終所獲成效不如預期，至少要讓他知道僱員的心聲和要求。
未來在牽涉員工福利的決議上，老闆將優先徵求員工意見和心情考慮在內。一些公司擁有職工會，更是為員工爭取獎勵的一個重要橋樑。
策略四：乾脆替老闆換一顆腦袋對象：死心不熄的打工族
老闆有一顆會賺錢的腦袋，他拍腦袋，下屬則拍胸脯承擔工作。可是，不一定每個老闆都有一個懂得利用獎賞讓員工甘心為公司賣命的腦袋。
適當的時候，以正途或不經意的方式，讓他知道金錢獎勵對員工的重要性。讓他知道沒有花紅，員工可能流失和士氣受影響，對業務運作的嚴重性。
要讓老闆知道，外面的世界已經改變，是時候換一顆腦袋啦！只求員工付出，不求員工回報的思想已不適用。
這招準適合那些對老闆仍存在期望的打工族，但要確定老闆的心胸夠寬廣。
策略五：我要更努力，明年會更好對象：努力上進型打工族
此類員工，是老闆心中最理想的下屬。
今年沒有花紅，又算得了什麼？不要怨天尤人，自強不息，更努力工作為公司創造更佳業績，老闆總會被打動。
所以，化悲奮為動力，自我提升努力往上爬是一個不錯的策略，尤其是現職公司和領域前景展望不俗。
就以高薪多花紅的打工皇帝為奮鬥目標，目前視作臥薪嚐膽的時期。成為公司舉足輕重的高級人員或老闆的心腹愛將後，每年分紅以5位數起跳，再加股份車子和房子，晚上睡覺發夢也會偷笑。
策略六：還是換老板比較乾脆？對象：萬念俱灰的打工族
公司卻命明明賺大錢，員工卻已經好幾年沒花紅、沒加薪、沒福利、沒獎勵金……
暗示、明示、當面爭取都嘗試過了，老闆還是不為所動？或者，即使有也只不過是老闆“意思意思”，讓場面不至於那麼難堪。
小小打工族在萬念俱灰下，往往使出這最後一著：換老闆。
由於每一次轉職，都是人生重要的轉折點。除了金錢獎勵，還有許多更重要的考量。為了避免越跳越糟，我們須更深入剖析。
跳槽？別越跳越糟！
新的一年，士氣卻因有增無減的工作量逐漸耗盡。一聽到沒有花紅和獎勵金（或不盡如意），僅有的工作動力突而散盡，余剩力氣留待遞辭呈。
且慢！在作出決定前，先讓我們以人性7大弱點剖析，為“眼紅族”厘清盲點。
弱點一：怠惰
一分耕耘，一分收穫。拿高薪和花紅的一族，往往是全年努力成果，伴隨高壓力和績效。
在埋怨花紅少，要轉換工作至高花紅領域，先衡量本身的能力和自我檢討，是否有能力面對同樣的壓力。
弱點二：妒嫉
愛比較，只看到其他公司的好，我的公司甚麼都不好？
為何工作能力比他好，花紅卻比他少？
妒嫉情緒讓自己頻頻與他人比較。在羨幕別人的當兒，衡量自己的實際情況，是否真的不堪以至辭職？
弱點三：慾念
跳槽動力來自哪裡？是否只有薪水和職銜的慾念？
如果薪水只多一些，還有只以往年金錢獎勵來決定去留，並不是很明智的決定。
再來，一些人以跳槽做升職跳板，是否厘清個人頭銜（personal title）和職位頭銜（position title）的差別。
前者並不能掌握實權；後者則是企業架構里的職位設計，擁有實權。避免還未搞清狀況就跳槽，最終落得壯志未酬的下場。
弱點四：傲慢
“我如此鞠躬盡瘁，表現如此標青，為何花紅只有這麼少？根本是老闆小才大用，虧待了我！乾脆答應ABC獵人頭公司的挖角。”
嗯……如此大口氣，老闆也不會阻止你的去路。只是自視過高者別把話得太絕，斷絕後路。
弱點五：憤怒
一聽到沒有花紅就生氣得立即想辭職？應該先冷靜下來，向公司談判爭取；甚至理性建議公司以別的福利或調薪代替。
舉例來說，底薪2000令吉，公司無法如往年分發2個月花紅，員工可要求平均333令吉納入月薪調整之內。又或者增添年假、醫藥費用、培訓課程和年終旅遊等良好福利代替等。
若現職公司提供的工作前景和環境不俗，宜抑制怒火和衝動，先商議，看是否能製造雙贏局面。
弱點六：貪婪
花紅怎樣分發才合理？當然是愈多與好。這就是人性的不知足。原本獲得1個月花紅就已經很滿意，聽說別人有2個月，又好像比較好。
在沒有花紅或認為花紅不足的情況下，一些人可能嘗試以其他方法，從公司處獲得與本身認知中相當的獎勵。
當中從細小的濫用公司資源，以至違法的盜用公款等手段，往往始於“貪”。
切記，貪字最後變成貧。
弱點七：暴食
面對挖角公司提出不合理的高花紅和高薪挖角，先別讓貪心矇蔽雙眼，以自己的實力是否消化得了。
一些公司為了打擊對手的實力，不惜重金挖角，但不一定真予以重用。
再者，即使新公司真誠真意獵人頭，以本身的條件是否當得了大局？
還是先探聽箇中情況為妙，免得得不償失。
跳槽成本有得算！
跳槽前，請先學會計算成本！
很多時候，一些無法用數目字表現的因素，比花紅多寡、調薪高低、獎勵金厚薄等量化衡量更重要。
所以跳槽前，拿出計算機，算一算成本再決定。
以下是《財富廣場》列出的跳槽成本清單，已經萌起轉工念頭的打工族請自行算一算。
總結：給老板的話
年終獎金、調薪不是流住員工的唯一因素。可是要留住員工的“心”，老板首先要交出自己的“心”。
回想過去，是否刪減一些對員工個人影響深遠，卻對公司影響不顯著的項目如交通房屋津貼、醫藥保險或培訓經費等，導致員工士氣大挫？
如果是，看來老板這一次如意算盤打錯了。
反過來想想，花紅也是員工的一把衡量尺。當他們接過花紅，亦是他們評估自身在職場價值的良機。倘若員工發現薪酬與同行相差甚巨，自然反思現職公司的發展前景。
漠視員工和不瞭解員工的需要，如何讓員工將前景和托付在公司？這是各界老板，自我檢討和省思的課題。
員工和老板，一起為明年的花紅加油吧！

YEAR 2008

2008-01-05T00:14:00.000+08:00

Today is the 5th days of New year. Happy New Year everybody!!

Everyone must have set his/her new year resolutions. Ahead with new starts, we must complete the item/s set by 2008. Be commited!! In Malaysia, all cost has rose. Example, Toll charges...already increased...the next most worried by us....citizens...petrol price!! It is definitely will cause the chain effect in all areas...Recently rumours said that the petrol price will hike by 01.01.2008. It does not happen yet.......Lucky!!! (Hokkien said 'HENG AH!!') if not the chain effect comes must earlier. WE ARE POORER...!!! In the sense of cashflows, every getting poorer.

At this time round, everyone is expecting a pay increment for those who is an employee. Hoping the pay increase will able to neutralise the impact..which I doubted!!

Anyway, uphold your resolutions and let achieve it by/before end of 2008.

I wish I could increase my blog traffics by 2008 to 2000 visits

Saving Money while you Spend

2007-11-25T10:25:00.000+08:00

It really a news to those frequent shoppers. You can join in the Mystlye.com.my to enjoy discounts from various of shops. From foods to toes, it covers the whole Malaysia ..from Perlis to Johor...
It only cost you RM3.50/sms for the my111 enjoys 50% discounts (Once a year) and my365 @RM1.50, give you 30% discount.

Just a reminder, send only when you only want to buy if not, do not spend it unnecessary for the SMS and only last for 7days.

http://www.mystyle.com.my

The 9th Emperors Festival

2007-11-17T15:49:00.000+08:00

What a wonderful multi racial culture country...Malaysia...

You can see various festivals and celebrations by the people of Malaysia in a harmony environment. The photo cube that published is some of the ways of the believers celebrates this festivals.

Effective Ways of Smart Money : The 36 Ways Part 1

2007-11-09T10:23:00.000+08:00

Source from local newspaper : SinChew

Be Single

Many women plans to choose a long term financial security through marriage. Adversely, men would choose to stay away from marriage or vice versa.

Be single, you would not necessary to spend your money on those special day like Valentines' Day, First meet Annivesary, etc...which you will need to spend big money for your love ones just to show you are ' romantic' lover. Especially in our teen age, we would sacrifice everything just for love. If you think through it, how much monies and efforts that you have spent to manage this relationship. This is one of the determine factor when one choose to Be Single

This trend is significantly in our society nowadays.

Having children

After marriage, you will soon face another challenge, ...pregnant or not...
Nowadays, many new couples has decided to stay as couples without children. Why?
Cost to raise a child has scared off most couples. Providing education, insurance, medical fee, food and shelter and etc is a big sum of 'investment'.
Furthermore, if both couple is working, hiring baby sitter or maid is another cost whereby sometimes, our hard-earned money is just enough to pay for it.

US TRIP

2007-11-04T23:15:00.000+08:00

SUNDAY, 28 OCTOBER 2007
This is my first oversea trip to overseas. I was covered with mixed feelings..anxious, exicited, worried..
My flight is on Sunday morning,0600 morning to Hong Kong.
It about 4.0 hours flight. Boarded on the United Airline Boeing 747. Unfortunately, only can be seated economy seat. But that fine.
The flight stewardesses are pretty. My breakfast was only a cup noodles.....

About 30mins from touched down at Hong Kong International Airport, we all are waken up by the pilot captain by his annoucement.

"....shump...duk..duk.duk..", the plane finally reached the ground. What a relief!!..

to continue...