How your talent can be your pocket money

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

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

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

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

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.