Top 10 Secrets to Avoiding "Marital Money Chaos"

Money can wreck a relationship. In fact, how they spend, save, and account for money is one of the leading sources of disagreements between couples. In almost every study, money ranks as the first or second most argued-about topic for couples and partners.If you currently suffer from “Marital Money Chaos” you can follow these secrets and achieve more financial success together than you ever could have dreamed. If the two of you can improve your relationship with money, you will also improve your marriage. Money can be romantic!Secret #1: Know your spending style and your partners’How many of you are married to your “Financial Soul Mate”?The most...

Read more »

Idrus Tak Pernah Patah Semangat

Idrus Mohd Satha menyelak akhbar seperti pembaca lain. Satu iklan pusat latihan komputer di Jalan Silang, Kuala Lumpur yang mahu dijual pada harga agak berpatutan menarik perhatiannya.Apa tidaknya kepada anak muda ini menghabiskan masa lapang pada waktu malam untuk mengajar secara sambilan di kolej swasta. Teknologi maklumat (IT) adalah kepakarannya dan mendidik orang lain menjadi minat peribadi.Idrus terus memikirkan mengenai iklan berkenaan serta kecenderungan menjadi tenaga pengajar mata pelajaran IT walaupun ketika itu (pada 1991), beliau mempunyai pendapatan lumayan sebagai penganalisis sistem di Esso Production Malaysia Inc.Siswazah bidang...

Read more »

Start Investing Early in Your Career

You’re young, you just landed a new job and you’re going to be getting a decent paycheck. You also have bills and student loans to pay and there are also a few items that you’ve always wanted so now you can finally afford them.Investing for your retirement may be the last thing on your mind at the start of a new career. Especially being so young. Take some advice from those with a little more experience : Start investing early in your career. Start from day one and you will never miss that money you’re setting aside. Even if it’s only a few dollars a week. They add up to millions by the time retirement age rolls around.It really does make a difference...

Read more »

Pendapatan Pasif Daripada Pelaburan

Dalam pengurusan kewangan peribadi, seseorang itu perlu memikirkan matlamat kewangan yang ingin dicapai selepas sesuatu tempoh.Seorang graduan yang baru bekerja mungkin ingin mengumpulkan wang untuk belanja perkahwinan.Selepas berkahwin dan mempunyai anak, mereka mungkin ingin membeli insurans perlindungan untuk jaminan masa depan. Mereka mungkin merancang memiliki rumah sendiri dan menabung untuk deposit kediaman.Bagi pekerja yang berumur sekitar tiga puluhan atau empat puluhan, mereka mungkin merancang beroleh pendapatan mencukupi dari pelaburan yang dibuat semasa usia tua nanti.Ada yang berhasrat mencapai status kebebasan kewangan. Kebebasan...

Read more »

Basic Tips on Personal Finance

Do you ever wonder where your money goes every month? Does it sometimes seem as though you cannot afford to do things because your financial obligations are holding you back? If you find that you are asking yourself these sorts of questions, perhaps you should take a look at your financial situation and assess whether you are practicing good personal finance management or not.Good personal finance management spends within their income, plan for the future and solve financial problems as they arise. Poor personal finance management pay more, do without and fall behind. If you find yourself in the second category, you can do something about it....

Read more »

Enam Jenis Pelaburan dan Tahap Risiko

1. Simpanan Tetap Di Institusi KewanganKadar pulangan tetap sekitar empat hingga enam peratus. Jika kadar inflasi tinggi maka pulangan sebenar akan berkurangan.Sebagai contoh, jika pulangan adalah empat peratus dan kadar inflasi juga empat peratus setahun, maka pulangan sebenar adalah sifar.Bagaimanapun, modal pokok adalah terjamin. Bagi yang takutkan risiko, pelaburan ini adalah pilihan sesuai kerana risikonya paling rendah, tetapi pulangan juga rendah.2. Amanah SahamKadar pulangan biasanya lebih tinggi daripada simpanan tetap kerana ia bergantung kepada prestasi saham yang dilaburkan pengurus saham amanah. Jika pengurusan amanah saham itu...

Read more »

Creating Wealth in Stock Market

There are 12 rules of how to avoid losing and start making money from the stock market.RULE 1 : WHY DO YOU INVEST?Make more money, this is the answer to most people. If your reason is to make more money, then ask yourself these three questions:1.Is your strategy making money?2.Is your strategy safe?3.How to increase the profit and minimize the risk?RULE 2 : HOW TO CREATE WEALTH IN STOCK MARKET WITH JUST RM1,000Let say we invest some lower price stocks with just RM1,000 in the stock market, invest twice a year for short-to-medium term. If each time the return is double, you will make one million RM cash within 5 years. If your starting capital...

Read more »

Insurans Perlu Dalam Perancangan Kewangan

Semua orang yang memiliki kenderaan tahu tentang insurans kenderaan kerana ianya wajib bagi semua kenderaan dan menjadi kesalahan jika kenderaan digunakan tanpa insurans. Bagaimana pun masih ramai yang tidak begitu mengetahui tentang produk insurans lain seperti insuran hayat (kematian), kemalangan, rawatan penyakit kritikal, hilang upaya kekal, hartanah dan lain-lain.Suatu ketika dahulu orang Islam menjauhi produk insurans kerana ia difatwakan haram. Mereka menubuhkan syarikat khairat kebajikan sebagai organisasi untuk membantu ahli apabila berlaku kematian, kemalangan atau untuk membantu ahli menganjurkan majlis kenduri kahwin dan sebagainya.Bagaimanapun,...

Read more »

5 Things to Consider Before Starting Your Own Business

Getting free from dominating bosses and the possibility to make your own decisions is one of the lures of starting your own business.As attractive as it looks, not everyone is suited for self-employment. Before you go ahead with any plan to start a business it is important to take a close look at yourself and ask yourself some important questions.1. Do you have enough start-up capital and a back-up income?It takes money to make money, even if it is only a home business. Make sure that you have enough funds to equip yourself and begin marketing before taking the plunge. Also, don't expect to make a lot of money in the early stages of your business.You...

Read more »

Faktor Perlu Diambil Kira Apabila Membeli Rumah

Dalam membuat keputusan pembelian rumah, anda mempunyai tiga pilihan iaitu membeli rumah sekarang kerana anda sudah menjumpai rumah yang sesuai, menarik dan menguntungkan atau anda menangguhkan pembelian sehingga berjumpa dengan rumah sedemikian atau anda menyewa rumah sepanjang hayat anda.Bagi membuat pilihan pertama dan kedua anda perlu tahu kriteria dalam menentukan rumah yang hendak dibeli itu sesuai, menarik dan menguntungkan.Pertama, anda perlu mencari lokasi, keluasan, susun atur, bilangan bilik, kemasan dan ciri rumah yang sesuai dengan keperluan, kehendak dan kemampuan kewangan anda.Jangan lupa mengambil kira keperluan sekarang dan...

Read more »

Business Idea & Opportunity Evalution

In analyzing your business ideas you must be able to pass them through a test to determine if they truly are valid opportunities. All of your ideas must have a demonstrated need, ready market, and ability to provide a solid return on investment.Is the idea feasible in the marketplace? Is there demand? Can it be done? Are you able to pull together the persons and resources to pull it off before the window of opportunity closes? These questions must be considered and answered.Opportunity-focused entrepreneurs start with the customer and the market in mind. They analyze the market to determine industry issues, market structure, market size, growth...

Read more »

Prosedur Menubuhkan Syarikat

Selepas mengenal pasti peluang perniagaan dan sumber modal bagi menjalankannya, langkah seterusnya yang perlu dilakukan bakal usahawan ialah menubuhkan syarikat.Lazimnya perniagaan perusahaan kecil dan sederhana (PKS) di negara ini didaftarkan sama ada di bawah Akta Pendaftaran Perniagaan 1956 (milikan tunggal dan perkongsian), atau Akta Syarikat 1965 (syarikat sendirian berhad).Sebelum memilih jenis entiti perniagaan, penting untuk mengetahui beberapa bentuk perniagaan ada di negara ini.* Milikan TunggalDimiliki oleh seorang pengusaha dan lazimnya dibantu pekerja yang dibayar gaji.Pemilik bertanggungjawab sepenuhnya terhadap modal, hutang perniagaan,...

Read more »