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  #7931  
Old 05-07-2012, 02:33 PM
2bz4money 2bz4money is offline
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Quote:
Originally Posted by nazri proshopbowler View Post
Ooo..cmtu ceritanya. Maknanya bila nak terminate kitackena pastikan betul2 masa ygsesuai utk mengelakkan interest..
Bro Ikeda dah mengubah perspektif pelaburan ASB bukan hanya utk pelabur konservatif, malah juga sesuai kpd pelabur agresif dlm keadaan tertentu.

Namun kesesuaian strategi2 tu tertakluk kpd siapa diri anda. Manalah nak tahu, dlm perjalanan menuju destinasi terpaksa mengubah arah apabila tidak bersesuaian dgn profil diri dan matlamat kewangan. So, cubalah pegi KliniKewangan utk diagnos status kewangan anda..sumernya FOC dan DIY jer..

p/s: sila curi masa anda sendiri utk terima rawatan KliniKewangan..
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  #7932  
Old 05-07-2012, 04:16 PM
ikanpekasam ikanpekasam is offline
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kalau nak terminate loan ASB kena buat surat ke?
sebab lepas dpt bonus hujung tahun ni,ingat nak terminate loan RM30k tu.
usia loan tu hingga skrg baru 2tahun lebih.
dah tak mampu nak membayarnya.
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  #7933  
Old 05-07-2012, 08:31 PM
nsr7777 nsr7777 is offline
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Quote:
Originally Posted by 2bz4money View Post
Bro Ikeda dah mengubah perspektif pelaburan ASB bukan hanya utk pelabur konservatif, malah juga sesuai kpd pelabur agresif dlm keadaan tertentu.

Namun kesesuaian strategi2 tu tertakluk kpd siapa diri anda. Manalah nak tahu, dlm perjalanan menuju destinasi terpaksa mengubah arah apabila tidak bersesuaian dgn profil diri dan matlamat kewangan. So, cubalah pegi KliniKewangan utk diagnos status kewangan anda..sumernya FOC dan DIY jer..

p/s: sila curi masa anda sendiri utk terima rawatan KliniKewangan..
klinik tu kt ne bang...
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  #7934  
Old 05-07-2012, 09:01 PM
Kaneshiro Kaneshiro is offline
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Quote:
Originally Posted by ikanpekasam View Post
kalau nak terminate loan ASB kena buat surat ke?
sebab lepas dpt bonus hujung tahun ni,ingat nak terminate loan RM30k tu.
usia loan tu hingga skrg baru 2tahun lebih.
dah tak mampu nak membayarnya.
aik, dapat bonus kenapa pulak nak terminate loan tu tuan, sayang ler. Kalau terminate pun berapa jer dapat. Bayar jer lah installment untuk tahun 2013 guna Dividen yang bakal dapat bulan JAN nanti. Baik modalkan duit BONUS tuan untuk tambah lagi LASB lagi rm50K ker,insyaAllah berbaloi2...
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  #7935  
Old 06-07-2012, 09:01 AM
seindahmawar seindahmawar is offline
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salam.maaf tanya.newbie.ader tak buku yg menceritakan tentang kewangan,cara pengiraan.sumber rujakan,for dummies. saya nak beli.kadang istilah dalam ni saya tak paham.cara pengiraan pun saya tak paham.ader saper leh bantu

Last edited by seindahmawar; 06-07-2012 at 09:46 AM..
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  #7936  
Old 06-07-2012, 09:32 AM
IjanSmart IjanSmart is offline
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Quote:
Originally Posted by pertiwi View Post
Tanks atas penceraahan.maknanya kat sini,perlu kita pastikan jika .nak terminate lasbi harus pada awal bln..
Tidak semestinya juga,,kerana proses terminate adalah kerja bank yang tak ditetapkan masanya..adakalanya dari pengalaman saya seminggu dah selesai,,kadang2 dua minggu,3 minggu,sebulan,sebulan lebih..jadi bagi saya ia bergantung kepada pihak bank.
Kalau proses terminate selesai awal bulan kuranglah interest yg dikenakan berbanding hujung bulan..
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Last edited by IjanSmart; 06-07-2012 at 05:53 PM..
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  #7937  
Old 06-07-2012, 09:44 AM
ikeda ikeda is offline
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Quote:
Originally Posted by kentzige bruang View Post
salam, i'm back into forum. actually aku dh langgar rules forum n made 1 infraction. so, aku terpaksa la bermuhasabah dan berguru di tempat lain buat sementara waktu.

byk aku belajar dalam tempoh kena hukuman dari moderator cg ni. neway, forum ni tetap forum terbaik ever. proud 2 be ere. proud to know otai2 n rakan2 di sini.

dlm tempoh menyepi ni, aku fokus mantapkan blog yg aku buat untuk war2kan intipati thread ni, aku seringkali rujuk diorg ke forum ini untuk fahami sendiri dan sertai forum di sini.

yg pasti, sejak blog tu launch 9 jun 2012, 2312 views. rakan cg paling ramai view blog ni. rakan facebook yg kedua. tak kurang 50 org yg sudah ke bank untuk loan asb. tak kurang 10 orang sudah terus buat max. siap ada review investment method.

sy tak pandai nk ajar pelaburan tahap tinggi, jadi saya rujuk diorg terus ke sini. di sini bukan sekadar loan ASB sahaja yg dikongsi. yg penting, di sini kita diajar pelaburan berhemah dengan ilmu di dada.

thanx to all. n feel great to be back.
TQ for your support also..
Semoga thread ini dapat memberi manafaat kepada semua..
LASB hanyalah medium pelaburan yang dibincangkan,,asas asas seorang pelabur berhemah perlu di kukuhkan dgn mantap untuk menghadapi sebarang cabaran. Dan semestinya target kita adalah untuk Optimumkan segala peluang yang ada digunakan sebaik mungkin.

Dan juga kita sama sama belajar untuk menguatkan SHIELD kita terhadap persekitaran yang amat mencabar dan mencurigai kerana LANUN-LANUN dan LINTAH LINTAH darat yang menunggu saat anda LALAI dan ALPA dengan pelbagai skim/teknik/tawaran/perbandingan yang sungguh licik sekali..
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  #7938  
Old 06-07-2012, 10:07 AM
kudinabc kudinabc is offline
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teruja...sgt bek....
nak survey...bank yg tawarkan LASB yg paling bek...kawan2 yg ada infor gtau la kat sini yek...tq...
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  #7939  
Old 06-07-2012, 10:12 AM
Mestikaya2020 Mestikaya2020 is offline
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Quote:
Originally Posted by ikanpekasam View Post
kalau nak terminate loan ASB kena buat surat ke?
sebab lepas dpt bonus hujung tahun ni,ingat nak terminate loan RM30k tu.
usia loan tu hingga skrg baru 2tahun lebih.
dah tak mampu nak membayarnya.
Saya nasihatkan tuan boleh rujuk teknik 2 yg tn ikeda tunjukkan.. guna balik div utk serve loan. Boleh teruskan lg tuh utk mendapatkan ROI yg tinggi
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  #7940  
Old 06-07-2012, 10:17 AM
ikeda ikeda is offline
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Quote:
Originally Posted by zaini_uitm82 View Post
salam,

saya nak share tentang LASB + CA CC punyo kaedah..

just simple jer kaedah nya.. bayar minimum outstanding setiap bulan (mayb CCRIS record tak baik sgt).. dapat dividen bayar semua outstanding tu.. tahun ke 2 ikut cara yang sama..

dan time terminate loan tu.. and kalau nilai surrender yang bank bagi sama dengan kiraan amortization tu.. maka bulih dapat more than 70% ROI..

aper2 pun.. yang saya bagi ni hanyalah calculation semata2.. kalau ada salah.. harap dapat betulkan..

ps :- nilai minimum payment tu mungkin berbeza untuk setiap bank, sila rujuk CC bank masing2..

Tq

link ---> http://perjalananku.com/?p=2583
http://www.carigold.com/portal/forum...0#post12072690

rujuk page tersebut..+- 50 pages ke depan/kebelakang membincangkan teknik CC terhadap ASB or LASB...

Semoga ilmu tersebut memberi manafaat semua..
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