CIMB Dream Deposit Drive campaign

hi all.

gosh! its been a while since i ever updated this blog! im really sorry for those who googled business thingy such as investments etc, can't get more infos from this blog. im truly sorry. i just don't have the time to update TWO blogs in one time! im targeting my second blog, IkanStim to be my source of income from nuffnang. so i kept on udpating and promoting that blog but somehow, nuffnang seems to be more interested on BisnesHarian ! if i didnt check my earnings, for sure ill not even realize i have a campaign to be done for CIMB!

klik to enlarge

yeah,thanx to those (UTP students who went back to their kampongs during this study week) the internet is sooo "laju" so i can update my blogs happily. Lol

this CIMB campaign thingy will held on this blog from 1st of may till 30th June. erm.. a month lah kan?

it is a monthly competition which means, u can get prizes for every month! best kan? there are plenty of prizes from cash, handphone, to cars!

May's car is

Volkswagen EOS 2.01 turbo FSI (im not quite sure weather this is the exact model.it looks similar though)

yes! its for real. CIMB is offering u cars to be driven home. but u need to open an account with CIMB with a minimum amount of RM500. (the main objective for this competition is to get more from u obviously) but its not a bad thing. banks make the economy goes around.

i havent read the all the t&c, the competitions in CIMB's dreamdepositdrive web actually.. so i cant tell u more about it yet. im quite busy this week.(its already study week! darn..i need to prepare myself for the final exam!)

just klik the ads on top of bisnes harian to know more

do tell others about this good news okay? ill update more soon.(im honestly interested to participate in the campaign as im one of CIMB account holders! .But for those that who are not, u still can participate. the different is on the prize that ull get.its lesser than those who are CIMB account holders)


regards,

Mr Farid

p/s-ill update the previous entry soon: Malaysia's Wise Spending Blog

Malaysia's Wise Spending Blog?

Salam to all my loyal readers

to all?

haha

this blog has only 1-10 visitor per day but i sound like there are alot of so called "loyal readers".

so hows life everyone? im too busy attracting people to pay a visit to my IKANSTIM blog as Nuffnang is currently stop paying me money.(maybe because of not being loyal - changing to adverlets and not displaying ads) so im trying to maintain my ikanstim visitor 150 - 350 people per day.

so back to business. why i changed my blog title lately?(lately=2-3 weeks past)

its bcos the previous name is kinda lame. yeah, totally lame.

erm.. today, instead of sharing my knowledge on mutual fund, i want to share with u, what ive learned in finance class. about investing, but there will be no more about unit trust or mutual fund.

making money from the secondary market.

what appears in ur mind when i say, stock market?

eletronic board that showing the green and red arrows? or people shouting in a hectic hall try to sell and buy stocks?

well, u are correct

but what is secondary market? 

its the same thing

where does investors gain capital appreciation? in secondary market.

let me tell u briefly about stocks.

it divides into two :

preferred stock and common stock

preferred stock is more on becoming the money lender to a business so they can make money wit the money u gave them. 

common stock is being the owner of the business.

to be continued....

Facts and myth about mutual fund

What is mutual fund?

A mutual fund is a pool of money that is professionally managed for the benefit for all shareholders.

 

Mutual fund and stock market

What is the different on investing in mutual fund with stock investments? Well, what actually differ it- is none. Both are about putting your money in the stock market. However, investing in mutual fund will help you on diversifying your investment portfolio as the unit trust company will sum up the amount of all the investors they have and diversify it. There is no need for daily observation of stock price or analysis on stock price because your advisors in the unit trust company will do it all for you.

 

It is all about putting your eggs in different baskets. If you drop one of it, the others are still safe. And it is not you the one who holding those baskets. You hired experienced and professional individuals on holding eggs in baskets to hold your eggs.  These are the two strong points why we should choose mutual fund investment as one of our investment portfolios. 

 

Investment fact: why mutual fund is a long term investment?

There will always be charges. The time you bought a fund, you are actually losing. For an example, if a fund is 1 dollar per unit, and the minimum investment required by the unit trust company is 1k, you are not having a thousand units. It will be only 900++ units.

I am not going to explain more on charges. To make it simple, the minute you bought a fund, you are losing because you need to pay the mutual fund company service charge. That is why you are not having a capital appreciation on early year of your investment period. The second factor is the diversification. It’s a financial principle. The less risk you are having, the less return you will get. A unit trust company is issuing you funds, not stocks. A fund consists of variety of stocks. That is how diversification happened.

 

If you bought stock directly from the investment banker, there is a probability the stock price going up and you can sell it immediately. However, you bought a fund from the mutual fund company. If Mr. A bought stock A from the investment banker, he invest 100% of his capital in it while you might be investing in stock A for 20% from your total capital while other 80% is on other stocks. It takes time to have capital appreciation by doing diversification. Now you should be aware of the nature of mutual fund. You should not argue “why must I wait up until 3years to gain profit?”

 

I know waiting is torturing but it worth it. You didn’t do anything. You don’t even observe the market price and you don’t even have to do fundamental analysis nor technical analysis. All of these already been settled by your advisors in the mutual fund company. Most important thing is, the risk you are having is lesser than Mr. A. 

 

Why choose mutual fund instead of leaving our money in the bank?

 

Why? Instead of having 2-3 percent interest from the bank, you can earn 10-20 percent of interest from your mutual fund investment. The banks also need money. Why should they give you more and help you keeping your money safe in their safe vault for free? They need to cover all the costs keeping your money safe, which is why you earn less from the bank.

 

Why there is interest? While only dividend and capital appreciation are the ways to gain profit in the stock market.

 

To ease the explanation the mutual fund companies and agents to the customers. The trick is the same -Dividends and capital appreciation.  

 

 

 

 

ASB | EMAS | PELABURAN | WISE INVESTORS | PELABURAN EMAS

sory, tak mampu nak update kedua-dua blog. ikanstim dan bisnes harian. so sya akan paste saja info-info berguna untuk pembaca baca ok.

credit to: www.jutawanemas.com


Pelaburan ASB + emas.


Memandangkan teknik ini saya sendiri telah mencubanya, maka ada baiknya saya berkongsi dengan anda semua. Semoga kita semua mendapat manfaatnya. InsyaAllah.
Sejarah dividen & bonus ASB dari tahun 1991-2008.
Setelah setahun menunggu akhirnya diumumkan… dividen ASB bagi tahun 2008 ialah 7 sen manakala bonus pulak 1.75 sen seunit. Alhamdulillah… tapi bagaimana prestasi pelaburan ASB tahun-tahun sebelumnya?

Hukum pelaburan ASB

First sekali, Jawatankuasa Fatwa Majlis Kebangsaan Bagi Hal Ehwal Agama Islam telah memutuskan bahawa hukum melabur dalam Skim Amanah Saham Nasional (ASN) dan Skim Amanah Saham Bumiputera (ASB) adalah harus .

Sumber: http://www.utusan.com.my/utusan/info.asp?y=2008&dt=0203&pub=Utusan_Malaysia&sec=Terkini&pg=bt_09.htm
Jadi ia sedikit sebanyak melegakan hati pelabur yang risau status pelaburan ASB ini.


Kelebihan ASB

Saya mendapati ASB mempunyai banyak kelebihan. Antaranya ialah:
1. Termasuk di dalam pelaburan kategori selamat
2. Pelaburan dijamin kerajaan
3. Rate pulangan yang tinggi berbanding fixed deposit
4. Bank sanggup memberikan pinjaman ASB sehingga maksima RM200,000
5. Ada bank yang menawarkan skim pinjaman ASB secara Islamik
6. Pinjaman ASB boleh disertakan perlindungan insurans (macam MRTA), jadi kalau sesuatu tragedi terjadi, maka loan tersebut tidak perlu dibayar dan menjadi milik kita sepenuhnya.

Teknik memaksimakan keuntungan ASB.

Secara ringkasnya, untuk mendapat simpanan ASB yang maksimum anda perlu:
1. Buat personal loan dalam lingkungan RM30,000 (sebagai leverage untuk membayar ABS loan selama setahun)
2. Buat ASB loan RM200,000 kat Maybank Islamic
3. Balance personal loan dilaburkan di dalam Public Bank GIA untuk menjana keuntungan tambahan.

Membuat pelaburan ASB secara pinjaman.
Berdasarkan pengiraan saya, mengambil pinjaman untuk pelaburan ASB adalah baik.
Ini kerana ia adalah pinjaman yang mengkayakan peminjam.
Memang ada faktor risiko, tetapi memandangkan faktor pulangan tahun sebelum-sebelumnya, adalah berbaloi untuk mengambil risiko ini. Ini kerana risikonya adalah rendah.
ASB Loan dari Maybank Islamic
Maybank Islamic ada menawarkan pinjaman ASB. Cuba tengok gambar kat bawah.
Kalau anda buat pinjaman maksimum RM200,000 selama 20 tahun maka bayaran bulanan ialah RM1406.00 sebulan.
Dalam setahun anda kena bayar RM16,872.00
Pinjaman ASB Maybank Islamic (klik untuk besarkan)


Strategi.
Selepas setahun, ASB akan memberikan dividen dan bonus. Jadi dividen dan bonus tu boleh rolling untuk bayar loan daripada tahun ke-2 dan seterusnya… sehingga 20 tahun.
Andaian yang dibuat ialah pulangan ASB adalah di sekitar 9.00 peratus setahun.
Soalan: Saya tak ada duit RM16 872.00. Kat mana nak cekau?
Jawapan: Guna personal loan
Saya sendiri pun asalnya takder modal RM16 872.00. Jadi saya buat personal loan RM30,000 dengan Bank Rakyat.
Tempoh 10 tahun. Kena bayar RM394.00 sebulan.
Lepas tolak kos pinjaman, saya terima bersih around RM28,000. Daripada jumlah tu saya dah reserved duit bayaran setahun ASB dalam akaun.
Dengan kata lain, saya tak perlu membayar RM1406.00 sebulan untuk ASB loan, tetapi hanya membayar RM394.00 sebulan untuk personal loan.
Jadi, personal loan menjadi leverage untuk mendapatkan keuntungan lebih besar di dalam ASB loan RM200,000.00
Baki personal loan tu invest kat Public bank GIA.
Bakinya RM10,000 ++ tu saya cadangkan anda simpan kat Public Bank GIA. Kalau anda main strategi beli waktu murah, jual waktu tinggi, insyaAllah keuntungan melebihi 10%.
Untuk maklumat lanjut tentang strategi tersebut, refer kat posting nie. http://jutawanemas.com/v1/pelaburan-emas/tips-memaksimakan-keuntungan-pelaburan-emas-gia-anda/

Bukti pelaburan saya sendiri:
Pulangan tahun 2006.
Pada tahun 2006 saya try buat loan ASB sebanyak RM100,000.Tiap-tiap bulan kena bayar RM630.00 selama 20 tahun.
Dividen dan bonus 2006 dapat RM7501.82 memang boleh cover bayar loan tahun depan.. kena topup RM58.18 aje.
Statement ASB tahun 2006 (RM100,000)
Pulangan tahun 2007
Lepas tu.. pada tahun 2007 saya tambah lagi ASB loan menjadi RM200,000.Installment bulanan pulak RM1362.00 sebulan untuk tempoh 20 tahun.
Selepas setahun, pulangan ASB pada tahun 2007 ialah RM15,135.96
Jadi untuk tahun 2008, saya cuma kena topup lagi RM1208.04 (bersamaan RM100.67 sebulan).
Statement ASB tahun 2007 (RM200,000)
Dengan melabur baki personal loan ke dalam emas, saya boleh generate keuntungan RM1208.04 nie.
Dengan mengulang-ulang proses ini selama 20 tahun, maka ASB loan RM200,000 itu akan menjadi milik anda sepenuhnya
hehehehe…. best tak?
Pulangan tahun 2008

Setelah mengemaskini akaun ASB, saya dapati dividen dan bonus tahun 2008 ialah RM15,527.33
Erm.. memang best..
Loan nak bayar tahun nie ialah RM16,344.00Jadi saya kena top-up lagi RM816.67 bersamaan RM68.05 sebulan untuk cover ASB loan nie sepanjang tahun 2009.
Ok, that’s a very good investment.
Kebaikan:
1. Berdasarkan jadual pulangan ASB diatas, didapati pulangan ASB mampu cover sebahagian besar duit loan ASB anda.2. Dengan menggunakan strategi ASB + pelaburan emas, anda boleh menjana keuntungan tambahan untuk cover sebahagian lagi installment loan tersebut.3. Duit ASB nie boleh guna untuk cover pendidikan anak-anak, atau bayar hutang rumah sekali gus setelah 20 tahun4. Dengan menggunakan strategi personal loan sebagai leverage, anda boleh memiliki pelaburan ASB semaksimum RM200,0005. Kemudahan pinjaman ASB Islamik dan personal loan berkonsep Islam memudahkan orang Islam membuat pelaburan ini.6. Pinjaman ASB nie baik untuk memenuhi matlamat kewangan jangka panjang contohnya untuk pendidikan anak-anak, melangsaikan hutang rumah sekali gus.7. Dengan perlindungan insurans, amount yang dipinjam tidak perlu dibayar sekiranya terjadi apa-apa kejadian yang tidak diingini kepada peminjam contohnya kematian dan kecacatan kekal
Keburukan:
1. Membuat pinjaman untuk pelaburan adalah sesuatu yang berisiko. Tidak semua orang sesuai untuk mengambil risiko pinjaman untuk pelaburan2. Prestasi ASB boleh berubah-ubah. Mungkin ada risiko pulangan rendah3. Pinjaman ASB akan ditukar dalam bentuk sijil dan disimpan oleh pihak bank4. Jika gagal membayar installment, maka bank akan menjual sijil ASB

RM 1.25 million business idea for sale

it'll give u RM1.5 million
im selling the business plan for RM1.25 Million only
im serious

Are u lazy enough to be part of youthsay.com?

hi , peace be upon u!

i want to share to u guys about youthsay.com

its a youth website, and have youthy things happen there. the best part is, they are giving money to its members!

none of its members already got their money yet, somehow, if u are too lazy to do business , why dont u just click2 and earn money.

if they dont pay, no worries, the admission is free

SayaFarid, you have earned RM 4.90 for yourself! Awesome!

Date	Earned from	Amount (RM)
2009-01-07	Invited : Puteri Shazanna Zawiyah bte Mohd Yusah	RM 0.40
2009-01-07	Invited : vortex laba	RM 0.40
2009-01-06	Invited : audi jezira ahmad	RM 0.40
2009-01-06	Invited : muhd alif	RM 0.40
2009-01-06	Invited : anne	RM 0.40
2009-01-06	Invited : Ahmad Fathan Bin Abdul Rahim	RM 0.40
2009-01-06	Invited : Afifah Amin	RM 0.40
2009-01-06	Invited : aidalina mahili	RM 0.40
2009-01-06	Survey : New Year's Resolutions 2009	RM 0.20
2009-01-06	Invited : muhamad syafiq	RM 0.40
2009-01-06	Invited : Mohamad Azreen	RM 0.40
2008-12-27	Survey : What language do you prefer to speak?	RM 0.20
2008-12-27	Survey : Bruce Lee... are you a fan?	RM 0.00
2008-12-27	Survey : Blogger Alert Survey	RM 0.00
2008-12-27	Survey : Profile yourself NOW!	RM 0.50
Total		RM 4.90

Cash out options

• 

  Option 1: Write me a cheque.

  Once you have RM50, we will write you a cheque.

  You are RM 45.10 away from claiming this!

not bad for a day huh? rm4.90

u want it also?

klik and register! ( the web server is kinda stupid. so its a snail web loading)

now! do it now!

kempen RM10 | cek wallet, ada RM10 x?

salam
cuba korang ambil wallet korang

pastu cek kat bahagian duit2 kertas.
ada RM10 x?

pastu,

pikir2 kan,
rm10 tu utk apa

kalau dah top up,
dah beli minyak

apa kata bawa rm 10 tu ke maybank atau bank islam, kmudian

dah bank in, doakan kesejahteraan rakan dan saudara kita di palestin
aku doakan kamu dapat rezeki dari tuhan berlipat kali ganda



tidak punya rm10?
rm50 saja yg ada dalam wallet?

rm 50 pun jadi la..

tak punya duit extra lgsung??
rm 10 itu utk beli beras bagi anak bini mkn?
beli la beras dahulu..

rm10 utk beli KREKO?EH!?MANGGA?URTV?
tak nak derma utk rakyat palestin?
ngko boleh la pegi mati
harap2 time ko susah tidak ada org datang membantu kau

aku doakan ko dapat petunjuk dari tuhan supaya lebih prihatin

"aku tak nak sedekah pasal aku bukan muslim!"
oh, okay.
jadi ko sokong la zionis bunuh orang suka hati?
memang ngko sama macam mcm zionis

aku harap zionis datang pi rumah kau, bunuh semua family ko dalam rumah tu
aku akan lawat kau, tapi tak kan bawak apa-apa utk membantu kau

ps-kopi paste entri ini.. mari bersifat peri kemanusiaan
persetan kan bangsa dan agama, kita tolong sesiapa yg ditindas

*sumbangan anda akan di salurkan kepada rakyat palestin thru AMAN PALESTIN MALAYSIA