Bila RM1 bagaikan RM0.10

7-9% Per Annum? Nah

2009-11-25T04:23:00.000-08:00

Hello

I dont even realize how long its been since my last update in bisnesharian. Never mind that. I wanted to share with u guys, what is the investment that could give you almost 11% interest for 6 months.

Strictly for moderate risk taker investors

Yup. 11%. It reached 11 actually. and im telling you no jokes here. If ASB offers us 7-9% interest annually, investing in gold could give you 11% for half of the year. In other words, 6 months. People are not so into gold until lately when gold is fighting with USD. The gold price is having its bullish market. So nice to see the spikey charts telling me the price is still rising till now.

Here, let me tell u more detail on this gold trading thingy. Im not a complex investor. I buy when its cheap and sell when the time is come. I use passbook account to trade gold 6 months ago with Public Bank. Yes, the GIA PB. Some of u must be familiar with it right? During that time, the price is 111.2 per gram which is quite expensive for that time because the price is declining the day after i bough it. haha. so clumsy eh? I actually dont have the time to come another day so i just bought it.

To my surprise, the current price is 125.9200 per gram. U do the math. For the time being, do not buy yet. The price is still expensive.

Majority chose gold as a long term investment but this type of investment need u to be aware of the daily price. U'll get nothing if u dont sell it. there is no interests nor dividends.

Happy trading!

p/s- is January suitable for forex trading?

Emas sebagai pelaburan alternatif

2009-10-10T03:12:00.000-07:00

Oleh DATO' SALLEH MAJID
Bekas Presiden Bursa Saham Kuala Lumpur (kini Bursa Malaysia)

Minggu ini saya bercerita sedikit tentang emas sebagai pelaburan. Sebenarnya emas sudah menjadi bahan pelaburan sejak harganya mula-mula diselaraskan pada tahun 1717 oleh Sir Isaac Newton.

Pada tahun 1971, emas tidak lagi terikat dengan Dolar Amerika dan diperdagangkan secara bebas. Pada 6 Oktober 2009 baru-baru ini, harga emas di pasaran emas dunia melonjak sebanyak AS$24.60 kepada AS$1,041.80 seauns sehari.

Enam bulan dulu harga terendah emas ialah AS$868.70 dan setahun dulu harganya ialah AS$709.50 seauns. Dalam masa setahun harga emas naik sebanyak 46.8 peratus. Lima tahun dulu harga terendahnya ialah AS$412.10 iaitu kenaikan sebanyak 152.8 peratus.

Secara purata seseorang yang melabur jangka panjang mendapat pulangan purata dalam masa lima tahun sebanyak 30.5 peratus. Rasanya pelaburan di pasaran saham sendiri tidak boleh memperolehi keuntungan sebanyak itu.

Tidak ramai yang sedar akan pulangan yang lumayan daripada pelaburan emas. Cara yang baik untuk melabur emas ialah dengan membeli syiling emas atau emas keping selain barang kemas.

Untuk makluman, suatu auns bersamaan dengan 31.10 gram. Bagaimana pun harga jualan emas di institusi kewangan berbeza-beza kerana harga emas bukannya sesuatu yang terkawal.

Banyak kos perkhidmatan seperti insurans diambil kira oleh institusi-institusi ini. Syiling dan emas keping ini boleh diperolehi di bank-bank seperti Maybank dan OUB.

Ada juga yang menggunakan buku pas seperti Public Bank tetapi pelanggan tidak menyimpan dan melihat emas sebenarnya hanya jumlah dan harga semasa pembelian dimasukkan ke dalam buku pas.

Kini ada pembelian dan penjualan boleh juga dilakukan dengan Koperasi Etika Emas yang mempunyai cawangan di seluruh negara.

Kenaikan harga emas tertakluk lazimnya atas tiga faktor utama. Pertama penyusutan nilai dolar Amerika. Apabila nilai dolar Amerika susut harga emas akan naik, apabila dolar Amerika stabil harga emas akan susut.

Emas bertindak sebagai pelindung nilai menentang dolar Amerika. Pada masa ini dolar Amerika lemah dan menunjukkan tanda-tanda akan menjadi lebih lemah.

Ada juga ura-ura negara Asia Barat dan China akan menggunakan mata wang lain selain dolar Amerika disebabkan kelemahan dolar Amerika ini. Walaupun peralihan kepada mata wang selain dolar Amerika (euro misalnya atau mata wang bentuk baru) bukan sesuatu yang boleh berlaku dengan segera, berita itu telah cukup untuk melonjakkan harga emas dunia.

Faktor kedua ialah harga emas akan naik selari dengan kadar inflasi. Apabila inflasi naik, harga emas akan naik selaras dengan inflasi.

Dalam keadaan negara-negara di dunia termasuk kuasa-kuasa ekonomi besar menyuntik pakej rangsangan ekonomi dengan besar seperti AS$787 bilion pakej rangsangan Amerika Syarikat kesannya ialah peningkatan inflasi.

Amerika hanya mengecap duitnya sesuka hati dan ini akan menyebabkan nilai duitnya akan turun.

Faktor ketiga ialah kenaikan harga petroleum akan menyebabkan harga emas naik selari dengan kenaikan kos penghasilan dan penghantaran barangan, jika harga petroleum jatuh. dijangka emas juga akan turun tetapi pada tahap minimum.

Terdapat beberapa cara untuk melabur dalam bentuk emas dan diterangkan secara lengkap di dalam www.gold.org/value. Orang ramai boleh melabur secara langsung dengan membeli emas bulion (jongkong), syiling emas, dinar emas, atau secara tidak langsung melalui gold futures, options, waran atau sijil pelaburan.

Salah satu cara paling popular dan cepat berkembang dalam sekuriti bursa di seluruh dunia yang dikenali dengan nama Gold ETF (Exchange Traded Fund).

Antara bursa saham dunia yang menawarkan Gold ETF ialah di Australia, Amerika Syarikat, Perancis, Hong Kong, Jepun, Mexico, Afrika Selatan, Switzerland, Singapura, Turki dan United Kingdom. ETF ini dalam bentuk sekuriti dan disokong 100 peratus oleh emas secara fizikal.

Pelaburan secara ini berkembang dengan pesat sehingga 38 peratus daripada pelaburan yang dikenal pasti terdiri daripada sekuriti bentuk ini. Di sini belum ada lagi Gold Emas ini diperdagangkan di bursa kita.

Melihat pergolakan yang berlaku sekarang terutama sekali tergugatnya kedudukan Dolar Amerika ekoran krisis ekonomi yang berpunca di Amerika, daripada mereka dan merebak ke seluruh dunia. Orang ramai sudah tentu mencari sesuatu bentuk pelaburan yang lebih selamat daripada pergolakan harga.

Bank Islam untung RM233.1 juta

2009-09-03T14:41:00.001-07:00

Oleh SHAWKATH AZDE
shawkath.azde@kosmo.com.my

KUALA LUMPUR - Bank Islam Malaysia Berhad (Bank Islam), mencatatkan keuntungan sebelum zakat dan cukai (PBZT) sebanyak RM233.1 juta bagi tahun kewangan berakhir 30 Jun 2009 berbanding RM308.3 juta tahun kewangan sebelumnya.

Pengarah Urusannya, Datuk Zukri Samat berkata, penurunan sebanyak 24 peratus itu disebabkan oleh kesan asas yang tinggi ekoran pembayaran balik pembiayaan sebanyak RM127.95 juta pada tahun sebelumnya.

Meskipun begitu, beliau menganggap, prestasi kewangan itu amat menggalakkan apabila untung operasinya meningkat sebanyak 28 peratus kepada RM359.2 juta berbanding RM280.2 juta tahun sebelumnya serta pertumbuhan deposit sebanyak 21.4 peratus kepada RM25.2 bilion.

"Jumlah pendapatan bagi tahun kewangan turut meningkat sebanyak 10 peratus kepada RM1.27 bilion berbanding RM1.15 bilion dengan pendapatan bukan berasaskan dana menyumbang 11 peratus daripada keseluruhan pendapatan.

''Ini adalah peningkatan sumbangan yang besar, daripada hanya 8.1 peratus yang dicatatkan dalam tahun kewangan 2006, katanya dalam kenyataan di sini semalam.

BAGAIMANA MEMBUAT PELABURAN EMAS DI MALAYSIA

2009-08-23T08:41:00.000-07:00

Ini merupakan kertas kerja saudara Sykor. kredit untuk beliau. www.jutawanemas.com

Kertas kerja ini akan dibentangkan di Seminar Antarabangsa Penjanaan Ekonomi Melalui

Transaksi Wang Dinar (SEDINAR09), Fakulti Pengajian Islam, Universiti Kebangsaan Malaysia pada 27/8/2009.

ini isi-isi kertas kerja beliau yg saya extract.

BAGAIMANA MEMBUAT PELABURAN EMAS DI MALAYSIA?

Terdapat 2 cara membuat pelaburan emas di Malaysia iaitu

1. Pelaburan emas fizikal

2. Pelaburan emas d engan membuka akaun simpanan emas

PELABURAN EMAS SECARA FIZIKAL.

Pelaburan emas secara fizikal boleh dibahagikan kepada 3 kategori iaitu:

1. Syiling emas

2. Jongkong emas

3. Barangan kemas

INSTITUSI/SYARIKAT YANG MENJUAL SYILING EMAS.

Di Malaysia, terdapat 5 institusi/syarikat yang menjual syiling emas untuk pelaburan

iaitu:

1. Maybank - Syiling Kijang Emas – http://www.mayb ank2u.com.my/

2. UOB Bank - http://www1.uob.com.my/webp ages/b_treasury_gold.htm

3. Dinar Emas Kelantan - http://dinarkel.com/

4. Public Fine Gold International Sdn. Bhd. Gold - http://publicgold.com.my/

5. Public Dinar - http://publicdinar.com/

PELABURAN EMAS MELALUI AKAUN SIMPANAN EMAS

Selain daripada membuat pelaburan emas melalui emas fizikal, pelabur di Malaysia boleh membuat pelaburan emas dengan cara membuka akaun simpanan emas. Ter dapat 2 bank yang menawarkan k emudahan akaun simpanan emas iaitu

1. Maybank : Gold Saving Passbook Account (GSPA)http://www.maybank2u.com.my/rates/gold_rates.shtml

2. Public Bank : Gold Investment Account (GIA) https://www.pbebank.com/en/en_content/personal/rates/goldinvest.html

kertas kerja yg lengkap boleh didownload disini

Idea business dari sahara noon

2009-07-22T19:10:00.001-07:00

10 tip tambah duit

MEMBUAT kuih-muih dapat menambah pendapatan.

Kenaikan harga barang keperluan harian dan juga keadaan ekonomi yang kurang memberangsangkan kini memaksa orang ramai berjimat cermat ketika berbelanja.

Ramai berusaha mencari kerja sampingan bagi menampung perbelanjaan yang makin meningkat.

Bagaimanapun, Sahara Noon, Pengurus Pemasaran Avon Malaysia ingin berkongsi sepuluh idea berikut:

1-Menjadi wakil Avon: Dengan modal RM15 sahaja, Avon memberi peluang kepada anda untuk memulakan bisnes dan jadi bos sendiri. Anda boleh kerja dari rumah pada waktu yang fleksibel.

2-Menjadikan hobi anda sebagai kerja sampingan: Ubah suai tanaman bunga atau sayuran anda kepada jenis tanaman yang boleh dijual.

3-Memaksimum bakat menjahit atau membuat kuih: Mulakan bisnes and bertanya kepada saudara-mara dan kawan-kawan jika mereka ingin menempah baju atau membeli kuih dan kek anda.

4-Bakat muzik: Kalau anda pandai bermain peralatan muzik, anda boleh mengajar dengan kadar RM30 sejam.

5-Jika anda minat mengarang: Anda boleh jadi penulis sambilan atau penulis novel.

6-Jualan garaj: Jual barang- barang lama yang tidak digunakan lagi.

7-Tuisyen: Anda boleh memberi kelas tuisyen kepada pelajar sekolah berdekatan rumah anda.

8-Sewa bilik di rumah: Jika anda ada bilik yang tidak digunakan, apa salahnya disewakan?

9-Mendandan: Menawarkan perkhidmatan mendandan pengantin atau mereka gubahan hantaran perkahwinan.

10-Mengasuh: Menjaga anak-anak jiran atau sahabat-sahabat rapat.

How your talent can be your pocket money

2009-07-16T22:13:00.000-07:00

on my desk, 17th july.

sekali lagi di pelawa untuk menjadi drummer untuk konvokesyen UTP. main lagu keroncong untuk mengiringi graduan ambil ijazah.

this means money money money.haha

dapat sikit je pun. tapi siapa yg nak bagi duit free. hah, cakap, cakap!

baca entri ni pasal making money happily. selamat mencuba tips-tips yg tak hebat ini!

macam nak beli ipod and external lah.. siapa tau kat mana boleh beli ipod murah-murah?

1.6 bilion unit tambahan ASM ditawar mulai Selasa

2009-07-16T20:23:00.000-07:00

for moderate investors, jangan lepaskan peluang ini!

Permodalan Nasional Bhd (PNB) akan menawarkan 1.6 bilion unit tambahan Amanah Saham Malaysia (ASM) yang dibuka langganannya untuk semua rakyat Malaysia.

Unit tambahan ASM itu yang turut merangkumi baki unit kuota Bumiputera yang belum habis dilanggan akan dibuka untuk langganan bermula Selasa minggu depan.

Presiden dan Ketua Eksekutif PNB, Tan Sri Hamad Kama Piah Che Othman, berkata dalam tempoh tujuh hari bermula hari pembukaannya, setiap pelabur hanya boleh melanggan maksimum 20,000 unit pada asas ‘siapa cepat dia dapat’.

Bagaimanapun, katanya jika masih ada baki unit yang masih tidak dilanggan selepas tempoh itu, pelabur boleh melanggan tanpa sebarang had.

Beliau berkata, bagi melanggan unit tambahan itu, pelabur boleh mengunjungi pejabat cawangan Amanah Saham Nasional Bhd (ASNB) dan Pos Malaysia mulai jam 8 pagi hingga 4 petang, manakala urus niaga di ejen ASNB seperti Maybank, CIMB Bank dan RHB Bank bermula jam 9.15 pagi hingga jam 4.00 dan 4.30 petang.

“Semua urus niaga ASM hendaklah dilakukan dengan wang tunai di pejabat cawangan ASNB dan semua ejen ASNB. Bank deraf hanya diterima di pejabat cawangan ASNB saja,” katanya sidang media di Kuala Lumpur, semalam.

ASM adalah sebuah dana ekuiti-pendapatan dan dilancarkan pada 2000 dengan matlamat memberikan peluang pelaburan jangka panjang kepada pemegang unit menerusi pengekalan modal di samping menjana pulangan berdaya saing dan berterusan menerusi portfolio pelaburan yang pelbagai.

Ia adalah saham amanah berharga tetap dan dibuka kepada seluruh rakyat Malaysia berusia enam bulan ke atas.

ASM dilancarkan dengan saiz dana berjumlah dua bilion unit, yang mana ia habis dilanggan dalam tempoh 21 hari.

Bagaimanapun, sejumlah 3.33 bilion unit tambahan ASM diumumkan Perdana Menteri, Datuk Seri Najib Tun Razak pada acara Minggu Saham Amanah Malaysia, yang mana buat pertama kali sistem kuota diperkenalkan bagi melanggan saham amanah itu.

Daripada 3.33 bilion unit tambahan itu, 999 juta unit diperuntukkan kepada kaum Cina dan 500 juta lagi kepada India, manakala 1.6 bilion untuk Bumiputera.

- BERITA HARIAN

Pelaburan emas

2009-07-15T03:09:00.000-07:00

ok, ni nak kongsi sedikit pasal pelaburan: emas.

apa yg terbayang di kepala tuan-tuan bila sebut emas? barang kemas ibu? isteri? akak?
sebenarnya kita boleh menjadi pelabur yg paling "play safe" as memilih emas sebagai medium pelaburan. "uhm?kenapa pulak pelabur emas ni play safe?" . yela , emas ni trend dia sentiasa meningkat setiap tahun. kalau jatuh pun , dia akan naik balik dengan cepat.

saya tidak akan bercerita terlalu detail on emas. tapi how to invest on emas. boleh?
p/s- info ini hanya berdasarkan apa yg saya tahu. so, kemungkinan besar, ada lagi cara untuk melabur dengan emas di dunia ini.

1) Beli barang kemas
yup. pergi kedai emas, beli lah gelang emas ka, cincin ka, rantai ka. pastu tunggu beberapa tahun bila harga emas semakin mahal, jual kat kedai emas jugak. tapi kaedah ini tidaklah digalakkan sebab, labor cost yg hanya merugikan anda. begini, beli gelang emas harga 1500 ringgit. pastu jual balik selepas 5 tahun harga 2000 ringgit. tahukah anda yg harga beli emas tu boleh di kurangkan lagi sampai 500 sahaja? kedai jual rm1500 sebab nak cover cost designer, cost sewa kedai dsbgnya.

2) Beli kijang emas
Kijang emas?? kejadahnya tu?kijang emas ni ialah syiling emas yang dikeluarkan oleh BANK NEGARA MALAYSIA. ya tuan-tuan. BNM. kijang emas mempunyai harga pasaran yg dikeluarkan oleh BNM sendiri berdasarkan harga emas dunia semasa. untuk memilikinya, sila googel sendiri. jangan malas. boleh didapati di cawangan MAYBANK tertentu sahaja.

3) Beli harga emas
Anda boleh beli emas, tanpa perlu memegang emas tersebut. bagaimana? beli harga emas . macam beli saham la. anda tak dapat pegang secara fizikal syarikat tu, tapi u own it. beli time murah. jual time harga emas naik. konsepnya sama saja. boleh dibeli di PUBLIC BANK dan MAYBANK . i chose this method sebab lagi selamat (tak payah simpan emas bawah bantal) dan sekarang tengah tunggu masa saja nak jual.

4) Beli saham syarikat lombong emas
yang ini extreme sikit. sama saja macam beli saham betul. pergi OSK, cari syarikat yg melombong emas. beli beberapa lot, dan tunggu harga pasaran melambung. usually gold mining company sentiasa panas di pasaran.

semakin kurang risiko, semakin kurang profit. kan? don't expect too much kalau invest emas ni. sebab cost mahal. macam ni, ibarat beli saham google. saham google mahal kan? oleh kerana kita ni tak la kaya sangat, kita mampu invest sikit saja. jadi unit yg kita dapat pun sikit jela kan? jadi bila jual pun, sikit saja yg kita dapat. faham? contohnya:

MEMBELI SAHAM GOOGLE YG KUKUH

harga seunit : RM2
duit yg kita ada: RM1000

selepas melabur, dapat la 500 unit.
harga seunit meningkat kepada RM2.50 kita pun jual..

500 x 0.5 = 250

untung kita hanya RM250

MEMBELI SAHAM CARI.NET YG TIDAK STABIL

harga seunit : RM1
duit yg kita ada: RM1000

selepas melabur, dapat la 1000 unit.
harga seunit meningkat kepada RM1.50 kita pun jual..

1000 x 0.5 = 500

untung RM500

tapi diingatkan, risiko nya lagi tinggi berbanding melabur dalam GOOGLE

begitulah perumpamaan melabur dalam emas berbanding jenis-jenis pelaburan yg lain. selamat mencuba!

Selepas 2 bulan | ikanstim dan bisnesharian

2009-07-15T02:50:00.000-07:00

salam. how do you do?

duh, dah 2 bulan tak update bisnesharian. i was planning to give up on bisnesharian as i am tired of thinking about money. haha. ya, its for real. memang rasa penat. tapi business man mana boleh berundur sebelum jadi jutawan kan? hehe

entri 2 bulan lepas yg ditulis pada 2nd may 2009 ada tertulis yg saya akan cerita lebih pasal saham kan? malas la nak cerita. kalau ada orang request baru saya cerita.

erm.. im thinking of transforming my bisnesharian blog to my personal thoughts on finance and money thingy. boleh kan? sebab this blog is more me than ikanstim blog. eventhough ikanstim is much much famous than bisnesharian. oh, belum pernah tengok ikanstim? klik

apa yg sebenarnya berlaku selepas 2 bulan? macam biasalah, urus-urus my public mutual business dan takaful malaysia.(my public mutual? haha. my father's laa) nah, baca entri ni .

i actually managed to earn 4-5 hundred (i wish it was k's) during my 1month semester break. "ceh, 4-5 ratus pun nak bising". haha. ekeleh, memang la sikit.. tapi itu kira gaji sebulan kerja kat kedai RM2 la.. lagipun im working on my own. im the boss. rilek je kerja. kol-kol orang, drive kereta sendiri than dapat duit. tak payah nak bangun pukul 9 balik pukul 5 petang.

oya, ada cerita pasal pelaburan emas. lepas ni akan diceritakan.

CIMB Dream Deposit Drive campaign

2009-05-02T09:50:00.000-07:00

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?

2009-04-22T12:01:00.000-07:00

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

2009-04-12T22:13:00.000-07:00

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

2009-03-17T19:27:00.000-07:00

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

2009-02-09T10:12:00.000-08:00

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?

2009-01-06T15:59:00.000-08:00

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?

2009-01-02T03:12:00.000-08:00

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

Make money while making friends

2008-12-29T18:47:00.000-08:00

ill update it later ok
kinda busy

Cameron johnson | The best business man ever!

2008-12-25T05:09:00.000-08:00

salam
peace be upon u

this is a malay post

kamu kenal cameron johnson?
kali ni sengaja aku tulis post dlm bhsa melayu supaya senang paham

kamu pernah terbayang jumpa donald trump x time umur 8 tahun?

ni qoute yg dia cipta sendiri

"True prosperity isn't something you take from the world: it's something you share with the world."

-Cameron Johnson, You Call the Shots

fyi, u call the shot tu tajuk buku yg dia tulis. aku nk beli nanti ni. xksh la 100 rgt pun.

cameron johnson ni sekarang berumur 23 tahun. tua 4 tahun dari aku, tp dia ada lebih 12 company yg berjaya.

dia start bisnes umur 6tahun! jual sayur dari rumah ke rumah. time tu belum la dia dpt income puluh2 ribu ni.. umur 9tahun, dia dihadiahkn komputer n printer utk xmas present oleh parents. dgn komputer n printer tu, dia buat bisnes printing pulak. umur 9 tahun tuuu! aku jual kacang time umur aku 9 tahun. kacang NIPS . tau?

umur dia 12 tahun, dia berniaga di ebay. time tu dia kata, ebay bru start. dia jual baenie babies.
jualan dia? 50k USD dlm masa setahun.

bayang kn budak drjah 6 buat bisnes kat ebay dpt buat jualan 50k!

macam na dia buat? aku malas nk type. hehe
panjang sgt.
tgk vid ni ok

kehebatan dia ni xterkata lah.
ni aku sedia kn links utk kamu baca

cameron johnson bios
official website

The end justifies the means

2008-12-22T17:44:00.000-08:00

salam, peace be upon u

business ethics are subjective matter to be discussed.
no one can put a standard on how ethical a business is. marketing department is unethical by hiding facts or manipulating advertisement to attract buyers/consumers

do u know all toothpaste ads are manipulating consumers?

u dont need that amount of toothpaste to brush ur teeth. the toothpaste company want u to finish the paste fast. thats y the ads are telling u to maximize the toothpaste usage.

how about hiding the actual terms and conditions or a small *terms and condition applies? hiding the T&C is not ethical. but small T&C is a marketing strategy. just like i said before, it is subjective. i would say its strategy but u labelled it as cheating. its subjective.

to get something by paying the authority is ethical?
yup. because the authority has the power, so they will say its an incentive not a BRIBE.
but im disagree with it. its an exploitation done by a sick government.

is it ethical to use the end justifies the means quote as a business strategy?
i would say it is how the idea of guerilla marketing exist.

Public Mutual masa gawat?

2008-12-20T17:08:00.000-08:00

klik for larger image

As usual , like what i do every time i update my blogs , ill take a look on my NUFFNANG status.
like u all know, my blog has the worst traffic of all time. 21-30 UV per day if there is no promotion.

what i want to share with u is what on my keywords list, which mean, what people type linked to my blog. one of the keyword is "Public Mutual masa gawat" in english : Public Mutual during recession.

Public mutual is the no1 Unit trus company in malaysia. ( u can google this company's info if u dont trust me )

there are a lot of unit trust company in Malaysia such as MAA Mutual, CIMB wealth advisor so on and so forth

do u know how to retire rich?
yeah, u are not working anymore but u have a lot of money

the answer is UNIT TRUST.
yaa, AMANAH SAHAM.

If u already working, u must have ur EPF account.
and u have 2 accounts in EPF right? account 1 & account 2

what can u do with ur account 2?
- home loans etc <-- im not sure what else can u do with the money in account 2 what can u do with ur account 1? - invest it in UNIT TRUST additional info = the money inside account 1 cant be withdraw untill u reached 55 y o

Why should i gamble my pension money for an UNIT TRUST investment?

1) u r not gambling
2) u need more money for ur retirement!
3) statistics show that malaysian finished using their pension money in account 1 for only 5-10 years ( if im not mistaken. pls correct me if im wrong.. i didnt remeber the exact figures) 4)the dividen is higher compare to what EPF can give u How about recent economy condition? is it ok to invest? -this is my 2nd time talking about investing during recession. u can read my previous post about it but the post is in malay lah.

During recession, stock prices fall down dramatically. which means, lower price.

logically, buy something during SALE is cheaper or buy something when there is no SALE is cheaper?

buy now, sell it later.

buy it 0.1 sen, sell it for 0.34 sen

its just a simple mathematic laah!

What will happen if the economy continuously falling down?
-that is why im talking about UNIT TRUST, not SHARE MARKET. u will never lost until u sell ur UNIT cheaper than the price when u first bought it.

This is a long term investment. u need to be patient to hit the JACK POT.
the last time i checked the FUND prices in Public Mutual funds, most of the FUND price fall 0.1-0.2 sen.

u buy now, u sell it 3-5 years later. i can guarantee u big bucks.
just like i said before, the world economy is like a spinning wheel. itll rotate whatever happened before. 97' recession is eventually stable after 2-3 years. for 08' recession, itll stable eventually.
none of the G20 leaders want to destroy their countries economy. fyi, G20 ,planned to fix this prob for 16month.

god's willing, itll be ok.

last but not least. be greedy while others afraid. which means, buy now or never! i mean, if u dont want to invest now, invest it on coming recession.

u have the money during recession, u have the power . however, u need to invest wise to be powerful after recession

more infos:
bisnesharian@gmail.com

Internet millionaires?

2008-12-19T22:57:00.000-08:00

Salam ( peace be upon you )
This is a malay post.

Ni lah kononnya rahsia buat duit online. setiap kali org tulis post yg bertajuk duit, online, mesti org akan kaitkan dgn jutawan dan jadi kaya.

stereotype kn? apa pun yg nk di kongsi ni bukanlah utk jadi jutawan. kalau aku jutawan, xla aku buat blog ni. mungkin aku buat blog personal utk crita khidupan seharian. tajuk blog : LIVING THE DREAM. cewah

sejujurnya, income yg MAMPU aku buat hanyalah dlm 100-300 sebulan melaui internet. yg offlne kita crita lain hari ok.

ok lets get started

apa yg sbnrnya aku buat?
jual BAJU N KASUT

medium yg digunakan di interntet ialah SOCIAL NETWORKING
bukan website.

sbb

1) aku xpndai buat website
2)xpndai cari traffik
3)malas nk kluar duit bli domain
4)aku mmg pemalas orgnya

kalau ada yg blum baca post aku mngenai MAKING MONEY WITH SOCIAL NETWORKING,
boleh bca post sebelum ni.

APA YG ONLINE NYA JUAL KASUT N BAJU?

1) promotion
2) payment
3) order

aku xpunya kedai utk jual kasut n baju2
aku hanya ada profile MYSPACE & FRIENDSTER
tula aku kata online business

jual kasut tu time dlu2 wktu hbs SPM.
skg dh xda supplier

ok, how things work?

Client view ms or fs -> order (dgn bg msg kat ms or fs) ->
bayar (aku confirm kn pmbayaran dgn cek akaun bank secara online MAYBANK2U, CIMBCLICKS) -> aku post baju yg di order kpd pembeli

utk yg nk order printing baju in bulk (design sendri)

Client view ms or fs -> email design yg nk di print -> aku bg quotation ->
client bayar deposit (aku confirm kn pmbayaran dgn cek akaun bank secara online MAYBANK2U, CIMBCLICKS) -> aku email tukang print design, kuantiti etc2 ->aku post baju yg di order kpd pembeli -> client byar baki

cool kn?

aku hnya perlu duduk dpn lptop kat hostel n tgk duit roll in masuk akaun
cek duit masuk pun pakai internet jgk

kasut pulak, aku guna tripod sja
website free

promo ckit2 guna friendster, org cek, pastu jmpa la pembeli.

time jual kasut ni, kasut sikit, jual pun skejp. so, xblh la crita pjg2.
tp, untung satu kasut smpai 50-150 SEPASANG

laaagi best. kn kn kn?

mungin ada yg ckp "ala, stakat sratus dua, apa la sgt.."

ya, aku sedar yg income aku sgt ckit. tp , siapa di dunia ni nk bg 100 free2 kat kita??
skg ni tgh brusaha nk buat 1k-2k tiap bulan

kalau ada sesiapa yg dh bjaya beniaga time study ni, kongsi la pglaman ok?

p/s- aku kurang berminat bisnes MLM, sebab aku xpndai bckp. kalau korg ajak aku msuk MLM, aku dh cipta MLM sendiri. drpada kmu msuk MLM org, baik kamu join MLM yg aku cipta
max untung 64k, modal permulaan 150, produk- baju. MLM paling senang blk modal.

oleh krana dah bosan dgr MLM, akhirnya aku cipta MLM sendiri.
MLM ni bukan pnipu, cuma tgk bakat seseorang tu la.. kalau dia boleh bckp n yakin kan org, join la. tp pilih la produk yg bermanfaat sikit.

sesiapa yg dh berjaya generate income guna internet ni, Pls kongsi tips @ crita!

nanti aku sambung crita import export culture = business

What i did and what i wrote

2008-12-18T04:41:00.000-08:00

Hello everyone.

this post is an english+malay post.

bisnes = business
harian = daily

Just so u know, my blog is all about business and money. I share my business ideas and hoping ull get something from it. even though im not a rich guy, i like to talk about money and everything relate to it. well, rich guy say less about money but make a lot of it.

i eventually realize that my readers are more interested with something that i do compare to what i write. i mean, what i do and then i write it. not what i know, and i write/share it.

my toughts on obama tees, pizza hut, didn't get much feedback compare to what i share with my readers about what i do . eg theTakaful Malaysia | Takaful Etiqa | Public Mutual | Nuffnang post.

i think its better to share with u my experience rather than my ideas right?

im going to share with u my online business experience for the next post.
it is my pocket money secret . (secret la sangat)
so don't miss it!

cheers,
Mr Farid

Barack Obama's | Change can happen | Britney Spears | Shit can happen

2008-12-17T14:18:00.000-08:00

"When you donate $30 or more, you'll receive a limited edition shirt to show your support for change."

hello guys. peace be upon u
for today's post, it actually has nothing to do with business but got something to do with money.

The idea of asking others to donate is somehow irrelevant unless, all people of the earth is so noble that they will donate whoever, whenever they were asked to. What Obama's team do to cover the campaign expenses is by asking the supporters to donate but in a creative way.
(referring to the pics above)

They also have tees, mugs, caps, posters and button badges for sell. all of these merch can be shop online from their online store. well, they need resources to do the obama as the white house residence campaign right? it is one of the way lah. there s nothing wrong with it.

but if u r creative, ull do something like this:

nice one eh? election season can be a profitable for those who know to exploit it. not only for the tshirt seller but also the tshirt printer, and the tshirt maker. most of printing shops earn a lot when it is the election season.

get ur obama tshirt now instead of buying something like this:

why shoud we save her?wth.

Import export culture | Foods

2008-12-16T17:52:00.000-08:00

For today's post, i would like to share to you how culture can be a business.

Before i elaborate more, i want u to know that i minimize the scope of culture definition to foods, musics and fashions.

Lets get started.

If u r a malaysian or living in the SEA, u must be familiar with PIZZA HUT, DOMINO'S PIZZA, SHAKEY'S PIZZA etc etc.

where the hell pizzas came from?
thailand? indonesia? or malaysia?

u know the answer already.

lets talk about malaysia. malaysian eat pizza. pizza came from italy.why does pizza hut brought pizza to malaysia?

because people want something different. that is why it can be a profitable business to sell italian food to malaysian. this is what i called IMPORTING culture@food is a business.

there are a lot more samples of malaysian bring the outsider foods or stuff to be sell here in malaysia but i chose pizza as it is the most well known brand in malaysia ( in restaurant franchise industry)

find something that is not available in malaysia, and bring it to the public. ull have the advantage from the competition aspect and substitution goods factor.

to be Continure.

Takaful Malaysia | Takaful Etiqa | Public Mutual | Nuffnang

2008-12-16T02:16:00.000-08:00

(This is a malay post)

Salam, napa byk sangat pkataan free money kat blog ni?
tu la yg aku nk share sikit dgn readers. i actually hoping that free money will be the words that will linked to my blog.
tp, ntah kenapa xda pun keyword free money bwk reader ke blog aku.

so from now on, ill stop using free money as my posts title.

baiklah, ni nak cerita sikit tentang bisnes yg sedang giat di usahakn.
sebagaimana yg anda tahu, blog ni tidak lg meng post post stiap hari di sbbkn oleh kesibukan menjalankan bisnes secara offline.

sbnrnya,CORPORATE AGENT Takaful Malaysia ,Malaysia's first takaful company is my father. aku ialah agent TAKAFUL ETIQA mcm parents ben. tp xda sales pun yg di buat.jadi cuti-cuti sem ni, tlg-tlg la mengurus Takaful Malaysia bos aku nih.

Napa pula smgt nk tolong?

sbb, bila bpk aku ada client, dia bg aku uruskn and komisen dia bg semua kat aku. tula berkobar-kobar nk buat full time cuti ni. stakat ni dlm ratus saja komisen. tmbah lg komisen PUBLIC MUTUAL, Malaysia's No1 Unit trust Company dpt la ratus2.. geram la xdpt ribu2 cuti ni!

apa yg ekceli aku urus?

CAR INSURANCE RENEWAL.
bila org nk renew road tax, WAJIB renew insurans
so org2 yg nk renew road tax akan cari aku.. n aku dpt la duit dari dorg.

dan jgk insuran yg lain-lain..

td bincang2 dgn manager restoren , dorg nk beli kn insuran kat pkerja dorg. tp ada mslah ckit psl xckup ahli (MINIMUM AHLI 25 ORG.DORG ADA 10 SHJ) untuk ambil TAKAFUL MAASYI . ( produk terbaru takaful malaysia utk group coverage) sgt bagus. sbb dia cover byk, tp byr ckit .

more info,
Farid (penulis) 0138988200
CNS Enterprise (Authorized Takaful malaysia Corporate Agent)

Hakikat buat bisnes TAKAFUL and UNIT TRUST.

For those yg interested nk buat bisnes insuran or jual-jual amanah saham, ada beberapa fakta yg kita xboleh nk elak. antaranya kematangan fizikal n the way u present urself to the clients.

well mybe i sound like a loser (sbb macam mmberi alasan knpa xbjya) ,tp klau boleh atasi masalah ni, bisnes mmg boleh pegi lebih jauh atau dlm kata lain, duit lg byk.

kalau muka budak-budak mcm diri ku ini, org agak susah nk pcaya apa yg kita kata. walaupun apa yg kta smpaikn tu mmg dari research sndri dan mmg fakta yg benar. ada jgk beberapa benda yg mmbantu utk yakin kn org antaranya (statistics, keratan akhbar etc)
tp lagi mudah kalau org tu org yg kita kenal.

ada org nk beli amanah saham dari org yg dress up mcmni?

apa yg dimaksudkn dgn presenting urself is, the way u dressed up. lbih matang pemakaian, lbih senang org nk pcya. lebih nmpak innocent pmakaian, lbih mudah org nk sign borang.

clients takut utk laburkn duit, smua org bgtu protective bila sebut pasal duit. lebih-lebih lg bila ekonomi tgh gawat. (mula rasa risau dgr2 psl ekonomi skg ni. dlu time 97' xrisau sgt sbb bru drjah 2) ekceli, time gawat ni, SEMUA ORG YG BERDUIT PERLU MELABUR. baik dari segi saham, ataupun asset.

BELI RUMAH! BELI TANAH! BELI SAHAM! sekarang!!!!

knapa pulak sibuk nk beli time ekonomi tgh down??
ish, sbb hrga bnda2 tu tgh murah la! ekonomi dah pulih nanti, jual smua nya! ull be a orang kaya baru in instant!

ekonomi dunia ni sntiasa berpusing2, dlm 10 thun msti ada gawat sekali. so bila dh gawat, jgn risau sgt, dia akan pulih eventually. kita hrp2 lah. amin ya rabb

agresif la pulak. minta maaf my dear readers

fyi, selain jual amanah saham dari PUBLIC MUTUAL BERHAD, aku sendiri pelabur amanah saham.

nmpak x fund nama: PUBLIC ISLAMIC OPTIMAL GROWTH FUND? itu la dana yg aku pilih utk labur 10,000. eh silap 1000 shj.dlu time aku beli, 2-3 bulan lps, hrga 0.2xxx sumthing2 lah.xingat. skg dh jatuh lg p 0.1854 .mnyesal beli awal2. time tu ekonomi baru nk start jatuh.skg dah semakin jatuh! bestnya beli amanah saham skg ni~( hrga psaran bertarikh 16/12/08 )

"Money is soo powerful when there is recession"

btw, sesiapa yg ada melabur kat AMANAH SAHAM BERHAD, congrats dpt dividen 8.8xx tahun ni :)

Free money | Join a competition

2008-12-14T06:23:00.000-08:00

At my father's study room, 15dec: Its been a while eh?

Do follow my blog because im not able to update it daily anymore. im quite busy lately.
im afraid ull get bored when there is no new post when u check bisnes harian daily.

Btw, if u want to make millions fast, this is not the place BUT if u want to make sure ur wallet always filled with money, i think, this is the place. I think lah~

ok, lets go!

Business Idea #5

Is it true, by making videos u can make ringgits?
yup!

Just like my previous posts, id love to share my own experience, thats why i said by making vid, u can make money. (ill share with u later) it doesnt matter la what competition do u participate, normally when there is a competition, there is a prize. the prize is what we aim for.

The prize is not suppose to be money. maybe some cool gadgetss like handphones, ipods, cameras etc etc and maybe something cooler like a million dollar.

If u have free time, do these profitable activities. if ur good in tennis, join the tennis tournament. if u r good at designing, compete with other designers in a competition.

well , this is what my friends and i do:

There is a short film comp , and my room mate want to give it a try.(it is for the UTP, village5 art fest event)
we won the third place only. luckily, there is still a prize for the third place. a 100bucks.

with that 100 ringgit, kami xpayah isi minyak selama seminggu. jimat ckit part minyak. boleh la smpan dlm bank duit minyak utk smggu tu.

so what r u waiting for?

if u have the time and eagerness to win, join a comp, and win!

our video hasnt uploaded in utube so i cant show u the result. but this is a video made by my brother in russia.but they only do it for fun. enjoy~

Free Money | Awards

2008-12-14T06:06:00.000-08:00

(this is a malay post)

Salam, tgh-tgh bz (bz la sgt) mengusahakn bisnes offline, smpat jgk la jenguk2 blog bisnes harian. Rasa terharu dan dihargai bila dpt award dari irsyad , rakan seUTP.

Perlu dibagi pada orang yang dirasa BEST GILA-GILA
Hanya terhad kepada 5 orang sahaja
Sesiapa dapat anugerah ini diwajibkan buat posting kat blog masing-masing.

xtau pulak nk bagi kat sapa award ni sbb nk list kan top5 tu bkn nya sng n xda masa baca-baca blog kwn-kwn lg.
minta maaf byk2, xdpt nk buat syarat yg kat atas tu.
mungkin akan buat kemudian
Thanks irsyad!

Free money | Holiday

2008-12-12T15:04:00.000-08:00

Im taking a vacation.
ill write more when i have free time ok?
cheers!

Free money | Clubs

2008-12-10T00:51:00.000-08:00

On my bed, 10th December: Such a busy day today. busy + bad day. u wanna know why? i got summoned because of illegal parking. never mind lah because im going picnic tomorrow at Sapi Island, kota kinabalu.

here we go,

Bisnes Idea #4

R u in the math club? or college debate team?

How can u earn xtra money from joining a club? Selecting a profitable club is soo important. profitable from what aspect? ur co curriculum achievement and finance. Join a club that will help u with ur resume' and the one that will fill ur wallet with $$ for being its member.

Still blur?
here some examples of me. lol

i joined the "keroncong" team in my university and we performed for our seniors convo. we r the one who escorting them with our so called melodic music when they r on the stage receiving their scroll. i play the electronic drum. and its sucks.haha. im not used to wired drum loh.btw, keroncong is a music genre from indonesia if im not mistaken. i dono much about music.

so where did i get the money from? ha, this is what i called joining a club that can gives u moneyy. the university management already have the commission budget for those who involved in the convo ceremony. all the musicians, the singers etc,etc .

above: a drummer's smile.

by playing drum for about 1hour non stop, and 2 weeks of practice, i got a RM100 food voucher, RM100 cash, and a certficate. plus, i got new friends, and maybe ill be playing for my Uni band which means, more money. haha. unfortunately, there is still n news on me as the band's drummer. never mind lah~

below:my 12 ringgit drum stick. bought it 2 days before convo.
(12rggt+ experience=RM200)

i think u r now understand what am i saying about club right?
if get it it , u can answer : how clubs can give u free money.

want more samples?
join a business based clubs!
there are a lot of money in that kind of club.
how to get the bucks from those clubs?

it is much easier bcos u dont need any specific talent to be one of them. usually, these type of clubs have monthly business project. by being the club member, ur name will automatically listed in certain team and u gonna help ur leader(or u r the leader)to do a business project. this is when ur wallet started to be filled with cash.

maybe ull be the head of logistics or the assistance or even worst, a regular committee member. but, no worries.. business based clubs usually will devide ur profit equally. no matter what ur positon is in the business project.

based on my experience, u can get 50-100 ringgit ( minimum ) by being one of the business project members. cool eh?

technorati tags:
clubs, pocket money,

Free money | Freebies

2008-12-09T02:48:00.000-08:00

On my desk, 9th Disember: Hi everyone, do u read books?
Books are expensive lately but thanks to the internet, we can just download it from the net and its cheaper and sometime, its FOC. I believe knowledge need to be shared.

As a token of appreciation to my readers, there will be always a post entitle "FREEBIES", which means im giving u guys free things. isnt it obvious? lol

For this time, im giving u ebooks! yeah. ebooks for free

make ur order according to this format ok?

NAME:
BLOG/WEBSITE URL:
BOOK TITLE:
EMAIL ADDRESS:

email to bisnesharian@gmail.com
OR
leave comment

ill email it to you ASAP. ( 1-2 days after u emailed me or faster)

Book List

Dale Carnegie - The Art of Public Speaking
Dale Carnegie - How To Win Friends And Influence People
Dale Carnegie - How To Stop Worrying And Start Living
Dan Brown - The Da Vinci Code
(Book 1) Harry Potter and the Sorcerer's Stone
(Book 2) Harry Potter and the Chamber of Secrets
(Book 3) Harry Potter and the Prisoner of Azkaban
(Book 4) Harry Potter and The Goblet of Fire
(Book 5) Harry Potter and The Order of the Phoenix
(Book 6) Harry Potter and the Half-Blood Prince
(Book 7) Harry Potter and The Deathly Hallows
Stephen Covey - The 7 Habits of Highly Effective People
Malaysia Today - Hikayat KhairyJamaluddin
Spencer Johnson - Who Moved My Cheese
Robert t.kiyosaki - Rich dad, Poor dad

Terms & Conditons

1) ONE email can only ask for ONE book
2) You'll read it!
3) Link my blog. jk!

technorati tags:
free ebooks, blogging,

Social Networking | Free money

2008-12-08T06:27:00.000-08:00

On my desk, 9th Disember: Is there such thing like free money? why am i putting "free money"all over the blog?

hehe. ill tell ya why when i got the result. im experimenting something with the google search engine system. however, there is such thing like free money.
Nuffnang pays me for blogging. its free. i only need to spend my time writing .

Bisnes idea #3

I know nothing about internet marketing so, im not writing about doing business online. i wanna share with my readers how internet cut the cost. marketing, advertising, shops costs can be cut down to 50-100% with internet.
like irfan khairi said: Internet rocks!

this article is only based on my reading and experience. pls leave ur comments ok.

About selling online , i cant say much because im also still learning on it. Getting visitor to ur shops without u facing them is possible with internet. u can even ask thme to visit ur store wout having a risk being embarrassed by standing in the middle of a shopping mall and distributing phamplets to people. u might been ignored by them. (well, its the worst part for me)

so how internet helps u promoting ur offline shop?
websites, blogs, social networking are the alternatives. u can sit in ur shop, surfing the net and attract people to visit ur store using ur lappy. ill focus on social networking because it gives a totally free traffic and its not a 1-100 visitor per day, its more than 1k per day unique visitor per day. im not saying website and blogs cant reach that number, its much easier using social networking.

why?

- u dont need to work on SEO
- u dont need a good keyword to get a place in the search engine search rank
- u dont need to pay google if u want to join the adword program

all u have to do is view others profile, and leave comments or just view it. they eventually visit ur profile back. its different with webs and blogs. some of social networking like friendster has the "who view me"button. it shows who viewed ur profile. that is why people will visit u if u visited their page. they want to know who is their new friend.

plus, social networking already have enormous traffic i can say. myspace itself has 70 millions visitor. if u can tackle only 100k visitor from it, at least 20k-45k visitor will come to ur profile and knew where is ur shop located. sample: RADIOACTIVE
they have their offline shops + online store. customer can buy it online and offline. if u dont want to sell it online, its okay. use social networking as ur marketing medium.

u can "force" them to visit ur profile so they know what do u sell, where is ur shop etc,etc by adding them as friends. 90% social networkers will view ones profile before approving ones friends request. isnt great!

o yeah, using social networking as ur marketing method can also improve ur CRM (customer relationship management) .why?
u be their friends and in the same time, offer products that u sell. than be a spammer. ( forwarding msgs about ur shop and giving hundreds of copy paste comments to the social networking community) itll decrese ur credibility.its hard to get back on track once u were labeled as a spammer, not a trader.

thats all for now. hapy reading!

technorati tags:
money, blogging, free money, tags, tag, friendster, blog marketing, britney, myspace

Free money | Selling your self

2008-12-07T07:24:00.000-08:00

On my bed, 8th Disember: How can we sell something, without capital and still earn thousands ringgit? the answer is easy -sell yourself. Girls, u can be an elite prostitute, paid 9k-10k ringgit for one night. serving men with ur body. boys, u can b a gigolo serving people with weird sexual desire.

im joking

Sufiah shilpa Lee does sell herself to make money. its easy, enjoyable and glamorous. Being a hooker changed her life once and for all. how about u? do want to be a prostitute? well, kindly call sufiah prostitution agency if u r interested.

This girl have the brain to be offered to people who need it. she can actually sell her expertise in math (As she is the math genius from malaysia who entered oxford on her 15th birthday) and earn money but she chose to sell her body instead. She got the money, but lost her dignity.

Bisnes idea #2

What is actually i meant by "selling ourself"?
im talking about selling ur expertise or talent or something u r good at. (so miss sufia is good at bed lah?lol)

Well, to make it easier i give examples of people who actually sell themself and earn bucks.

Ryan Sheckler, start skating since he was 18month old. crazy huh? he is a professional skater when he is 13. he own the collest range rover ive ever seen! he loves skating a lot, and he get paid by doing it. royalties form skate stuffs/mtv: reality tv, shoes, decks,trucks etc etc. aint it cool?!

hbu?
do u get paid by skating?

Do u know the girl in this pic? she is ashley qualls. a 17 years old millionaire!

what did she sells? nothing

she get paid by google through adsense program. her 1st paycheck is 2k++ usd. her web traffic has almost 7mil viewer per day if im not mistaken. her web provide girls with myspace layout made by herself. she gave it for free! she knows how to design and play with html codes. its her expertise and she use it to attract people to visit her web to download the myspace layout code and it means higher traffic.
She is actually not selling anything. somehow, she still earn 70k USD per month. she bought a 250k house cash and living with her mom n sister.

do u own a website?
does ur site gives u 70k USD every month?

what about her?
she's britney and she use her talent to sing and entertain to make thousands of dollar every month.
but i dont get it, if she really can sing, whats with her slut image lately?
dont mind that, we r talking about money here.

any ideas generated after reading those stories?

as for me, im pretty good using adobe photoshop and drawing. so i sell it. i mean my ability to use that software by selling designs and do custom design according to my customer description.
sadly i generate not more than 1k ringgit. argh!
at least , i still making money right?

these are my so called artwork that i sold to my customers. each design i can get 100++ . 5 order per month means 500++ rggit in my wallet.hehe
kindly visit my clothing myspace or friendster to order or window shop.

so, what r u waiting for? start selling the thing that u r good at now!

technorati tags:
money, blogging, free money, tags, tag, skateboard, ryan sheckler, britney, sexy sufiah

Free money | Get a Scholarship

2008-12-06T19:37:00.000-08:00

My bedroom, 7th Disember: Have u ever dream of having RM500 or more banked in into ur account every month without doing anything?

This post is especially for malaysian students that just finished their SPM.

Bisnes idea #1

Get a scholarship

This is based on my own experience as a student, sponsored by PETRONAS. Education is a business. If u have a lot of money, u may open a college and get thousands of ringgit every month. The question is, do u have that kinda money?

ill write in malay ok? u guys are malaysian, don't tell me u don't understand our language.

Habis saja SPM, ada yg plan nk kerja, berniaga atau menyertai kelas-kelas bahasa atau pun computer. Well, its a good plan. Congrats! tapi bila kita dah jadi mahasiswa/siswi, kta xkn ada masa utk kerja sbb kta akan komited 100% pada study. i emphasized on "kerja" sbb we r talking about pocket money aren't we?

There are a lot of pinjaman, biasiswa offered by banks, companies or government. i want to ask u something, suka x berhutang? well, if it's the last resort, mmg kena berhutang jgk la utk continue study kn? Kalau ada sesiapa pelajar tajaan MARA, JPA, Hong Leong, Shell etc read this post, kindly share how do ur sponsors take care of u ok?

PETRONAS give me RM500/month for my pocket money. They pay my tution fees, hostel fees etc etc. RM500 for foods, beli2 baju, hand phone baru etc etc. hehe. Bukan nk belagak. tp agak berduit la bila dah ada sponsor. Seriously, RM500 cash for u every month. mcm bergaji plak kn? skg ni dah xmntak duit ngan parents anymore. isi minyak pun isi sndri ( tp byar loan kreta ttp parents yg handle )

When u r officially PETRONAS scholar, kmu akan terikat dgn perjanjian. its a normal thing bila kita dah di taja. PETRONAS will "force" u to work with them after u graduate. brapa tahun perlu bekerja dgn dorang?

years of study x 2 = years of working

Means, klau study 4 thun, kena kerja 8 thun dgn PETRONAS. WAAJIB kerja at least 8 tahun.
tapi, its not easy. u need to maintain CGPA 2.8 at least to get an an interview offer from PETRONAS . below 2.8, u got nothing. u need to find job urself and need to pay PETRONAS. i dont remember how much u need to pay for not being PETRONAS staff after getting sponsored by them: refering to hassan merican the PETRONAS CEO and his regime. lol

Cukup tak RM500?
For me,it's more than enough. Bcos im not a bg spender . Lets calculate:

meal = RM5
2 times a day = RM10 for meal only
30 times a month = RM300
top up = RM30/Month

u'll be spending at least RM330 per month
balance = RM170

sikit nya!
haha
jgn risau, PETRONAS akan bg elaun buku dan alat tulis n COMPUTER!

elaun buku= RM400 / sem
alat tulis- RM75/sem
Computer= RM3500 /once

ikut pgalaman,beli bku xlbh RM200 pun. itu klau beli yg baru. klau beli yg 2nd hand? RM40 saja.

alat tulis? siapa la yg beli pen smpai 75rgt?
comp? lptop skg ada yg 2500 rgt tapi performnce tip top. printer xpyh beli. print kat lab saja

lets calculate again:

balance= RM170
BALANCE Books allownce = RM200
BALANCE Stationery = RM75
BALANCE computer = RM1000

TOTAL = RM1445.00

Itu la jumlah yg ada kat dlm akaun pada bulan pertama kmu sbgai petronas scholar. tp mmg perlu bijak urus duit lah. klau x, xda balance pun.

tp itu utk bulan pertama la. bulan strusnya, elaun buku and alat tulis and computer tidak diberikan. sbb its per sem. bukan per month.

eventually, education is still a business. u earn money now, u still can earn money when u work with the instituition that pay for ur study.

its a loooooooong term investment u know.
for form 4 students, its not ur honey moon year okay. strive for the best!
for SPMers, rajin-rajin kan diri cari scholarship yg ada .

Njoy the tips & selamat beramal~

technorati tags:
money, free money, pocket money, scholarship, education, high school, college,

Why bisnesharian?

2008-12-06T09:17:00.000-08:00

Peace be upon you,
helo
ni hao?

Maybe its kinda lame for me to write about business because there a lot of this kinda blog exist in the net but, this is what i like. so ill write about things that i like lah.

Why do i choose "bisnesharian" as my blog's url?
-it's a blog updated daily by me, sharing my business thoughts and ideas. that is why its called harian which means daily.

Why am i providing the viewer with my business idea?
-because most people want to start a business but they didn't know what type of business they can do. and im one of the human being alive on this earth thinking about money all the time 24/7. thats why i kept on generating new ideas

Why should readers use my ideas?
-u dont have to if u dont want to. readers can also submit their ideas to varies ideas in this blog

What is my main purpose creating this blog?
-I want to generate money form advertising
-I want ur opinion on my ideas
-I would like to see if my ideas can really make millions (when readers impliment my ideas)

Who am i?
-I am an IPTA student, blogging from my room and doing business all around SEA.

Am i a millionaire?
-I am not a millionaire

My favourite qoute
-Its simple but its not easy.
: doing business is simple, sell/give something, earn profit. it's simple but it's not easy right?