Tuesday, September 29, 2009

Manisnya...DATING denganMu...

a href="http://testi.iluvislam.com">
Dapatkan Mesej Bergambar di Sini

Tuesday, July 7, 2009

What you did last two years?

Salam Sejahtera,

Setelah hampir dua tahun blog ini terbiar tanpa update, kini saya kembali untuk buat comeback. Bukan apa dua tahun kebelakangan life was quite hectic. Over the period many things have happened, personal life, family, work and even the government for few states changed.

Dulu we were 4 as family, now we have new addition - we are now 5! - Baby Muiz was delivered in Jan this year, alhamdulillah rezk from Allah. On work plak, alhamdulillah progressing well still at the same place, looking for other opportunity? As for now not thinking about it... looking forward for more interesting things to happen in near future... trying to be in the right place at the right time....For how much longer, only God knows.. let Allah decides..

Financially, not much change.. nothing big happened last two years... Since the last posting of Bengkel Pengurusan Kewangan with Aziz Ibrahim CFP.. life on financial was quiet. Process of financial learning continues with or without AI CFP. Good knowledge from him but lesson learnt.. don't become too dependent.. experiment, experience, THINK! jangan membabi buta, huhuhu...Now no longer doing program for AI CFP. Heard he still conducting the workshop.. all the best to you En Aziz!

Ok lah.. thought of sharing something interesting on Gold Investment, tapi nanti dulu.. feel free to browse and grasp some info from slide above. Boleh call kalu interested and we can discuss over teh tarik.

Next posting ingat nak cerita on my savvy.. yes proton savvy hampeh!.. so tunggu..

Chow!

Friday, May 18, 2007

Panduan ke Bangunan LPPKN



Tarikh: 16 June 2007 (Sabtu)
Masa: 2.30 – 7.00 ptg
Tempat: Auditorium, Tingkat 13, Bangunan LPPKN, Jln Raja Laut, KL
Yuran: RM80 seorang

Wednesday, May 2, 2007

Kedudukan Kewangan - Dimanakah Anda?

Your Financial Snapshot

Do you really know where you stand financially? In order to get control of your finances and plan your financial future effectively, you need to first know where you stand today. How do you do that?
A Net Worth Statement is a snapshot of your current financial situation, and will give you important clues about where you should concentrate your financial planning efforts. Net Worth Statements are also useful for other purposes, such as when applying for a mortgage, credit card, car loan, or college financial aid for your kids.

Your net worth is the difference between all the things of value that you own, and all the debts you owe. In financial terms, your net worth is your assets minus your liabilities.

If you have more assets than liabilities, you have a positive net worth. This is a good thing. If you have more liabilities than assets, you have a negative net worth. This is not such a good thing, but it's information you need to know.

For a general idea of what your net worth should be, based on your age and income, the authors of "The Millionaire Next Door" recommend that you multiply your annual income times your age and divide by ten. While the results are interesting, take this information with a grain of salt, since it's simply an average and doesn't take specific personal situations into account.

Calculating your net worth is fairly simple in concept. (See the Net Worth Worksheet for a sample form to use). First, list the things of value that you own, starting with:
• cash and cash equivalents, such as Certificates of Deposit, money market accounts, bank accounts
• investments, such as stocks, bonds, mutual funds, savings bonds
• retirement funds, such as 401(k) or 403(b) plans, Individual Retirement Accounts (IRAs), company pension plans, including only the amounts you are fully vested in
• real estate, including your home, if you own it, and any other real estate or personal property such as boats, cars, RVs, planes
• household goods, such as furnishings, jewelry, furs, collectibles, antiques. Use the estimated fair market value, which may be more or less than what you paid for the item. Fair market value is "the price a willing, rational, and knowledgeable buyer would pay." For cars, use the blue book value.

When you've listed everything you can think of, total your assets. Next, list your liabilities, or amounts you owe others, starting with your
• loans, including your mortgage, if you have one, student loans, bank loans, car loans
• credit card balances, including major bank cards like Visa or Mastercard; department store cards, gas cards
• taxes owed, such as real estate taxes or income taxes
• any miscellaneous amounts that you owe

When you've listed everything you can think of, total your liabilities.
Now subtract your liabilities from your assets. Is the number positive (you have more assets than liabilities)? If so, give yourself a pat on the back and start planning on how to increase your net worth. If the number is negative (more liabilities than assets), don't despair. Read the following articles to get on the road to financial health:
(source: http://financialplan.about.com/cs/personalfinance/a/NetWorthStmt.htm)

RUMUSAN

Sebelum anda merancang kewangan, adalah amat penting untuk anda mengetahui Net Worth anda. Net Worth adalah nilai bersih anda yang menilai kedudukan kewangan anda; samada Positif atau Negatif.

Secara mudah, Net Worth adalah perbezaan antara nilai harta (dalam apa jua bentuk) yang anda miliki dengan nilai hutang yang ditanggung. Sekiranya anda mempunyai Net Worth yang positif adalah satu yang baik tetapi sekiranya yang sebaliknya maka sesuatu perlu dilakukan.

Untuk mengetahui Net Worth ideal anda, berikut adalah pengiraan yang boleh dilakukan:
(Pendapatan Tahunan x Usia anda) dibahagi dengan 10.

Semoga maklumat ini membantu anda menentukan kedudukan kewangan anda.

Tuesday, May 1, 2007

Laporan Bengkel Shah Alam 29 April 2007

Salam Sejahtera,

Terima kasih dan syukur kepada Allah atas sambutan yang hebat diberikan pada program di Shah Alam pada 29 April 2007. Seramai 90 orang telah hadir pada program kali ini. Para peserta bukan saja daripada Lembah Klang malahan ada juga daripada Perak sehinggalah ke Kelantan. Tahniah kepada anda semua kerana berjaya memulakan langkah.

Seperti saya maklumkan dalam bengkel tersebut, pengurusan kewangan adalah ilmu yang perlu dipelajari. Ilmu perlu dicari, sama seperti saya - ilmu saya cari maka saya berjumpa dengan bengkel ini pada tahun lepas, begitu juga dengan anda semua. Mungkin ada juga peserta yang tidak mencari tetapi ditakdirkan Allah saya berjumpa dengan anda dalam proses saya mencari peserta.

En Aziz pun ada menyatakan dalam bengkel dua perkara yang saya sebagai penganjur akan perolehi iaitu ILMU dan SIDE INCOME. Tetapi ada satu perkara yang suka saya nyatakan ialah RISIKO yang saya perlu tanggung sekiranya saya gagal mendapat jumlah peserta yang sepatutnya. Namun alhmadulillah, Allah sentiasa mempermudahkan proses memperkenalkan program ini pada rakan-rakan & sambutan yang diterima amat hebat.

Ramai peserta saya lihat ramai yang tersenyum selepas daripada program, tetapi saranan saya simpan dulu senyuman anda. Ini hanyalah langkah yang pertama, bukan apa, tetapi anda akan senyum dengan lebih lebar lagi selepas berjumpa dengan En Aziz dalam sesi temujanji pertama. Dan senyum yang lebih lebar lagi dalam pertemuan-pertemuan yang seterusnya. Apa tidaknya, sesuatu yang anda fikirkan tidak mungkin anda capai kini mampu anda gapai dengan pengurusan kewangan yang kreatif.

Akhir sekali, cepatlah lengkapkan Borang Personal Fact Finder anda dan emailkan kepada saya. Pastikan juga borang anda lengkap & sesiapa yang mempuyai rekod CCRIS atau CTOS sila lampirkan laporan tersebut bersama dengan Borang PFF.

Untuk makluman rakan2, bengkel di Shah Alam tidak ada dalam perancangan pada bulan May tetapi akan diadakan di KL pada 20 May 2007. Ambillah peluang ini utk hadir pada bengkel akan datang.

Sampai disini dulu, jumpa lagi!

Ikhlas,
FaisalMN
0192603033
mn.faisal@gmail.com

Wednesday, April 25, 2007

Panduan ke UNISEL



UNISEL KAMPUS SHAH ALAM
Jln Zirkon A7/A, Seksyen 7
40000, Shah Alam, Selangor Darul Ehsan.

JUMPA DI UNISEL!

Salam Sejahtera,

Terima kasih saya ucapkan kepada semua peserta yg telah mendaftar. Diharapkan anda akan mendapat manfaat daripada bengkel ini nanti, insyallah.

Kepada yang belum mendaftar, peluang untuk anda masih dibuka.. Anda boleh hadir terus ke Dewan Kuliah 1, UNISEL Seksyen 7, Shah Alam. Pendaftaran boleh dilakukan pada hari program. Aturcara program ada seperti berikut

2.00 Pendaftaran
2.45 Pengenalan
3.00 Sesi 1 oleh En Aziz CFP
5.00 Minum Petang & Solat Asar
5.30 Sesi 2 oleh EN Aziz CFP
6.30 Q & A
7.00 Selesai

Sedikit panduan utk ke Dewan Kuliah 1:
1. Masuk ke main lobby UNISEL - Main lobby berada di selekoh, ada parking VIP di hadapan main lobby
2. Di main lobby, masuk melalui pintu putih untuk ke lif
3. Naik ke tingkat 2 - Dewan Kuliah 1 adalah di tingkat 2

Jumpa disana!!!