Himpunan teknik teknik loan ASB

[abg_ngah]

Si A ada duit lebih 4k
Si B tiada duit lebih 4k

Bagaimana jika Si A yang ada duit lebih 4k samada letak ASD or bayar ASBRTA??

.. good discussion.. nanti ada masa saya jawab k.. sebab dah lari dari tujuan asal pencerahan saya... tapi everything boleh je pusing2.. as long as kita tahu peraturannya... semua kita nak RM1 kita menghasilkan ROI maksimum...thanks Tuan Ikeda. Dan LASB bukan satu2nya sumber pelaburan yg ada, tapi at moment, ini yg terbaik untuk saya,.... cash dormant??.. owh..tidak sama sekali...

 

[ikeda]

Both of us an engineer, never say no dalam menjayakan projek kita, kita boleh pusing 360 degree...kita saling memahami. .. always think out of box.. dormant????.. at the moment.. terlalu jauh lagi... LASB pun belum fully swing lagi... next agenda dok menunggu je..buat research sikit.. 14k..dapat sebijik apartment.. kalau LASB dividen serve repayment... apartment sewa serve repayment.. LASB harga 1 unit = 1 ringgit (tetap).. tetapi apartment harganya meningkat..bukan theory.. aku dah buat..ada case study...cuma risknya agak tinggi.. perlu ilmu untuk manage....

Yup the best is understanding each others..
360 degree boleh pusing..

The reality is come to me...I had stuck to my OPM LASB..
+ LASB more than 200k cannot get 105 MOA...
Now My Cash provide dividen serve LASB..
My target now to allocate 100% of my wages as Saving...
And living with all OPM money and Dividen from the OPM...
When I died,,all insyurans will paid my OPM...
That why I avoid to make car loan...

Property have capital gain...but can you measure/calculate it?
Saya pernah membicarakan hala tuju property Buble di Malaysia dalam Thread AHB...

Dulu landed house meningkat,,sehingga sekarang ramai tidak mampu nak effort bayaran bulanan yang tinggi.And nak bagi sewa dengan harga yang murah??Lihat lah apa berlaku di Kota Damansara...
Orang prefer beli rumah dari menyewa,,owner berebut menurun harga sewa disana..
Dan Apartment menjadi sasaran,,think out the box...but remember yang indah tak selalunya berkekalan..
Think about your age,,how long tenure you can effort for property and how can you calculate the risk...
And the most important is LIQUIDITY. How fast you can let go your property?How long you can effort monthly payment to bank when your house don't have tenant?How much your maintenance,,fire insyurans?
And how many property you can manage? 2,4,8,10,14, or 50 houses?
How you want to deal with the penyewa gangster?Penyewa yang ada anak ganas-ganas(Kaki conteng),How you to verified Penyewa yang ada latar belakang Jenayah??

Azizi ali write the book about property millionaire...
But that is 7-8 year ago....
You have 100k can buy property cash but he prefer to buy 10houses with 10% downpayment...look back your commitment...
Are that statement relevan now?

 

[kentzige bruang]

beli tanah 5-6 ekar pastu pecah lot n jual pon ok gak kalau dh ada modal besar.

itu sasaran selepas ni la. main jual beli tanah lot dpt untung skit je.

 

[ikeda]

Say no to dormant...

paid ASBRTA .. Say No

Terlalu banyak nak buat.. tapi cash tak cukup... something yang exponantly appreciate...

If cash tak cukup,,you must create more cash...

You already declare your age not young already,,you have to look back your risk management...

It is much better you lost dividen than you lost the principal..

 

[ikeda]

Byr cash ASBRTA akan produce higher ROI..
Principal gain anda dapat solid...
Modal monthly anda berkurangan...

1.55% extra is yes from simple mathematic calculation...
But for your loan ada 2 perkara yang berkadaran song-sang...
Principal gaining vs interest reducing...disamping modal yang anda serve bulanan yang berbeza...[/QUO

ok..tq very much Tuan...patut aku tak dijadikan enginee

Do not be engineer but you must put engineering in the investment..

 

[ikeda]

.. good discussion.. nanti ada masa saya jawab k.. sebab dah lari dari tujuan asal pencerahan saya... tapi everything boleh je pusing2.. as long as kita tahu peraturannya... semua kita nak RM1 kita menghasilkan ROI maksimum...thanks Tuan Ikeda. Dan LASB bukan satu2nya sumber pelaburan yg ada, tapi at moment, ini yg terbaik untuk saya,.... cash dormant??.. owh..tidak sama sekali...

Very good discussion...

Yang lari dari tajuk kita tarik sama-sama...
Perspektif berbeza kita huraikan bersama-sama, mengikut pengalaman masing masing...

Fokus kita tetap sama,,to strength our single sen to make money with the right way...

To new bie can learnt from our experience to make their futher study or strategy..
Agar mereka GAH dan Strong bila di datangi agent-agent or lanun lanun yang ingin menyedut komisen..Dan bijak dalam menangani kesilapan yang telah kita buat...

Yup semetinya CASH cannot let it dormant...

Abg_Ngah prefer Property..
Saya prefer property juga(Ada limit saya sendiri)..dan juga saya gunakan peluang potential gain dari UT untuk optimising my wealth...

Saya 2 bijik property sudah cukup...Kerana saya adalah perantau dari negeri Serambi Mekah...dan saya akan balik ke sana nanti kelak...Tengah pikir nak let go camana bila saya decide balik kampung and live with the OPM 100%...(Retire by 40)

Thanks also to you yang sentiasa support this thread hingga ke page 6++ lebih tanpa jemu-jemu untuk menyedarkan bagsa kita yang sedang merempat ditempat sendiri dan dipermainkan oleh bangsa sendiri dan asing kerana kecetekan ilmu pelaburan or buat tak endah...

 

[ikeda]

Perbincangan yang menarik
Perspektif yang berbeza..
Tuan/tuan teruskan..untuk percambahan idea. TK

To New-bie also don't hesitate untuk menyuarakan pendapat anda.
Fresh Idea also needed to support this thread..

Looking forward your expertise...

 

[ikeda]

beli tanah 5-6 ekar pastu pecah lot n jual pon ok gak kalau dh ada modal besar.

itu sasaran selepas ni la. main jual beli tanah lot dpt untung skit je.

This part you have to ensure Time Value Money berbaloi or not..
As a management worker you are Arif tentang Department Forecast,budgeting,scheduling control,cost controlling,additional cost controlling,maintenance,etc..

And you also well know about your dept KRA and Postmoterm..

Use all the knowledge from your management skill to manage yourself your investment...It is so much time you allocate to your company,,and it's time now to think at yourself...

 

[ikeda]

Thanks to all CGrians for your support..

I owe you all about the calculation to prove Berat Gajah = Berat Tikus..

I will prepared that calculation soon...stay tuned...

 

[kentzige bruang]

lasb, gold, property - land, house, shoplot.

kalau tuan ikeda atau otai2 blh advise, bagaimana nk susun priority?

atau dh ada thread yg bincang perkara ni, pohon maklumkan, n sy akan baca.

skang ni tiada aturan priority yg mana lebih berbentuk ada kantau, jalan. ada cash, sy terus laburkan.

bank rakyat n tabung haji pun ada.

sblm jd hilang punca n tak tau mana hala tuju, tlg bimbing sy ke jln yg lurus.