tag:blogger.com,1999:blog-645621097527767402024-03-21T08:49:15.247+08:00golden opportunities was never been this entertaining!"golden opportunities was never been this entertaining!"rocketeer999http://www.blogger.com/profile/08110586064727526462noreply@blogger.comBlogger27125tag:blogger.com,1999:blog-64562109752776740.post-13259857843225603062011-01-19T11:37:00.001+08:002011-01-19T11:39:19.116+08:00Ambank Refinance Wizardarini aku nk share satu lg website yg berinformative yg aku dpt ni. Tak kira la korg dh tau ke tak aku nk share jgk. Atleast, yg x tau tu jd tau. Btol?<br />
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Ok, penah x korg refinance kete? Penah x tertanye2 brape market value kete korg? Time tu korg check kt mane? Mudah.my? Motortrader? Well, aku pon penah gak cam korg until aku jumpe website ni<br />
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<div class="separator" style="clear: both; text-align: center;"><a href="http://www.ambg.com.my/"><img border="0" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg_wIy8s0vY507WOdd5AV6OQPwK10vcoGacF4ZLYRdoFyNB4mTvn_ykzt3wDnmhQSVle1xXkD-a1BwWKiqGYx8qIjl5ydO6ojyA_7Dh1C58qpOmYyDYsO5jWmyxrvXkSJV50WSNvtVH8A8/s640/ambg.PNG" width="516" /></a></div>caranye sng je, korg just klik kt gambar diatas atau taipkan aje <a href="http://www.ambg.com.my/">http://www.ambg.com.my/</a> pastu korg akan dibwk ke user interface die yg cmni.<br />
Pastu korg pegi pada tab <span class="Apple-style-span" style="color: yellow;">PERSONAL</span>, then g plak ke <span class="Apple-style-span" style="color: yellow;">LOANS</span><br />
<span class="Apple-style-span" style="color: yellow;"><br />
</span><br />
<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjdn_QAmynLJfmZvTEdSq8euq8QHhPLYIzEnPsE7dMYDcM8dZLIJdXMnTlTmTkXheOwbTr2w3EX0XsrBYtMb46gWuLenJtKNBd3xk3JPwNeS_7G4eQEK2J_3sui4_ghSwqCt63epIZRxQw/s1600/ambg2.PNG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjdn_QAmynLJfmZvTEdSq8euq8QHhPLYIzEnPsE7dMYDcM8dZLIJdXMnTlTmTkXheOwbTr2w3EX0XsrBYtMb46gWuLenJtKNBd3xk3JPwNeS_7G4eQEK2J_3sui4_ghSwqCt63epIZRxQw/s640/ambg2.PNG" width="448" /></a></div>Pastu, korg akan dibwk plak ke link yg seterusnye. Klik plak pada Vehicle Refinance Wizard.<br />
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<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhkyS5ybtLhwMX51eICFX4dvnYg32bFLBiLf7sUtHoitp8rBvRqkPlvvaywCW71gji51o5kaRHr7WtECq3oJdj-Oi5UPqyiTWPZJoiDhVx0AZGPCag-KnneY4-l7H2Sqtdc52DvBKKN7mU/s1600/ambg3.PNG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhkyS5ybtLhwMX51eICFX4dvnYg32bFLBiLf7sUtHoitp8rBvRqkPlvvaywCW71gji51o5kaRHr7WtECq3oJdj-Oi5UPqyiTWPZJoiDhVx0AZGPCag-KnneY4-l7H2Sqtdc52DvBKKN7mU/s640/ambg3.PNG" width="612" /></a></div>Haaaaaa, pastu ape lg? isikan je la tempat kosong mengikut spesifikasi kete korg. Mcm contoh yg aku letak kt atas adalah utk kete aku. Maksud die kt sini adalah:<br />
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Nilai kete aku adalah RM25,000. Tapi MOF 90% nye dpt la pinjaman sebyk RM21250. Pinjaman plak selama 7 thn maksimum & monthly installmentnye adalah RM345.94<br />
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Nampak tak column SETTLEMENT kt situ? Ha, ni maksudnye kalo kete korg ade utang lg, masukkan je figure bape byk utang kete tu....kalo positive, means korg refinance dpt duit lebeyyyyyyy.....tp kalo negative means korg kene top up laaa....<br />
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Contohnye kete aku, KIA RIO 1.3LS, 2005. Aku utang dgn bank lg 24 bulan. Monthly aku RM673. So, aku balance utang aku adalah RM16152. So, kt sini:<br />
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<ol><li>Kalo aku jual kete aku based on market value, aku still untung RM 5098</li>
<li>Kalo aku jual kete aku based on utang aku, aku xuntung pape. Tp, kalo si pembeli ni wat loan based on market value, die akan dpt la RM5098 tuuuuu....bijak x? </li>
</ol><br />
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<b><span class="Apple-style-span" style="color: yellow;">Benefit: </span></b><br />
<br />
<ol><li>Korg dpt la tau brape market value kete korg drp bank, bkn dr mulut2 org...haha!</li>
<li>Korg gak dpt tau bape yg bank offer. MOF, tenure & interest rate nye.</li>
<li>So, dr sini korg dah leh berkira2 cukup ke x bajet korg. </li>
<li>Risiko korg kene tipu or beli over market value dpt dikurangkan </li>
</ol><div><br />
</div><div><b><span class="Apple-style-span" style="color: yellow;">Disadvantage:</span></b></div><div><ol><li>Harga/financing hanyalah based on Ambank, x pasti kalo bank lain offer same ke dak. </li>
<li>Rate yg agak tinggi (5.25%) </li>
<li>Kalo xde dlm list tu aku x tau la. Tp kalo TAHUN nye xde, means kete korg dah xlayak utk refianance. Kene masuk credit...</li>
</ol><div><br />
</div></div><div>So, tu la die serba sikit info yg aku tau pasal website ni, terpulang la pada korg samada website ni beneficial pd korg ke dak.<br />
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<br />
<br />
</div><div><br />
</div><div style="text-align: center;"><span class="Apple-style-span" style="color: #cc0000; font-size: x-large;"><b>Oklah! Thats for sharing for today!</b></span></div><div><br />
</div><div><br />
</div>rocketeer999http://www.blogger.com/profile/08110586064727526462noreply@blogger.com0tag:blogger.com,1999:blog-64562109752776740.post-76095683713393467962011-01-17T20:41:00.001+08:002011-01-28T23:23:28.156+08:00Daily Pajak Gadai (Arrahnu/pawn broking) PriceSalam sumer,<br />
<br />
arini aku nk kongsi satu website yg baru aku jumpe. Well, actually x brape nk baru, tp aku baru nk update.<br />
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Website ni dpt membantu player2 Emas yg suke merempit emas mereka kt Arrahnu. Malangnye, dlu xde website utk player2 ni dan mereka terpaksa pergi ke Bank utk mengetahui daily price yg Bank tawarkan. Sekiranya melepasi tanggapan/target mereka, ok lah....tp kalo tak cmne?<br />
<br />
Kini ade penyelesaiannye! Memperkenalkan ......<br />
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<div class="separator" style="clear: both; text-align: center;"><a href="http://www.arrahnuxchange.com.my/index.php"><img border="0" height="102" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhWtzgc5K4CInjnU8oVnlzTG-uTKlXLWREU9HtMd_fAbrrbpbTcVk-bgH-reDaWGS7bcnLmhV-nn8MfiXH3rj8CvcZ_Niv6fbSZ2FnYmoVeQZk0MxU7Mk5Ek5IJgWwHUz-uESKkmvai1kQ/s400/arrahnuxchange2.PNG" width="400" /></a></div><br />
Mula2 klik pada gmbr atau link<a href="http://www.arrahnuxchange.com.my/index.php"> ini </a><br />
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<div class="separator" style="clear: both; text-align: center;"></div>Melalui link url ini, korg leh la semak harga harian yg ditawarkan oleh Bank Rakyat (refer pada anak panah)<br />
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Harga akan di update setiap pukul 8.30am<br />
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<br />
p/s: harga yg ditawarkan mungkin berbeza di setiap cawangan Bank Rakyat. Selamat Mencoba!<br />
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<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgKL-PstjqGkFVAb0dBYRR7zu1-Xz4ChP-ctxag97iLMAw7tAr44PRmQG932WlJc0d4S5guMJMVeoCZYUFe_zo5VHn-_ItjSJLt1lfd-E_OhBdE23LUxfl_URFaYFzKuWd-T81saO_lQIg/s1600/arrahnuxchange.PNG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="441" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgKL-PstjqGkFVAb0dBYRR7zu1-Xz4ChP-ctxag97iLMAw7tAr44PRmQG932WlJc0d4S5guMJMVeoCZYUFe_zo5VHn-_ItjSJLt1lfd-E_OhBdE23LUxfl_URFaYFzKuWd-T81saO_lQIg/s640/arrahnuxchange.PNG" width="640" /></a></div>rocketeer999http://www.blogger.com/profile/08110586064727526462noreply@blogger.com0tag:blogger.com,1999:blog-64562109752776740.post-4647788175122125892010-12-27T13:44:00.000+08:002010-12-27T13:44:34.466+08:00Soalan Pilihan Hari IniSalam sumer pembaca blog aku. Sori le sbb dah lame x update blog, bkn sbb dah xde idea tp agak bz ber TT & urusan2 lain yg perlu di settle.<br />
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Oklah, berbalik kpd tajuk di atas, sejak beberape hari ni, aku x dpt nk online sbb internet kt umah kene block. Jgn le tye sbb pe. Maleh nk citer. So, sorry le kalo xdpt menjawab soklan korg ontime. Lg 1 memandangkan sedare ni mintak penjelasan secara kalkulatif maka aku amik mase skit utk wat pencerahan. Ok, ni soklan die<br />
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh8GFfTd1m54A1cp808eLGnSm3g9UL7QnGN7nwcZse9d39Rbxxn2HW4pbbbmbqSbB0EvvRYvL5ki9jw5fFvJ5bl1coYIOCSfAYotPja2ivLdFdkjhtSeHfQztzMlO2Cmbv4FGBv_bm9_L4/s1600/soalan.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="265" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh8GFfTd1m54A1cp808eLGnSm3g9UL7QnGN7nwcZse9d39Rbxxn2HW4pbbbmbqSbB0EvvRYvL5ki9jw5fFvJ5bl1coYIOCSfAYotPja2ivLdFdkjhtSeHfQztzMlO2Cmbv4FGBv_bm9_L4/s400/soalan.JPG" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Sila klik utk beso kan. </td></tr>
</tbody></table>Berikut adalah soklan yg aku nk tujukan kpd sedare esazizi:<br />
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1) adekah sedare dah wat asbloan?<br />
2) mane dpt figure rm1127.28 tu? Drpd Bank or kiraan sendiri?<br />
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhZyU_gZrO44e3zigtve-ZfoLcFgC_a-isqSHYMAyLtqDZv1Xf_7cY_mX-3F1MgaAvsldg4SwvuClDbBG8y7NUJYeIJZberRugvzVC3zztWi-znKLV2N33NcbteBbluqwMYY5T7qI3ujY4/s1600/asbloan+001.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhZyU_gZrO44e3zigtve-ZfoLcFgC_a-isqSHYMAyLtqDZv1Xf_7cY_mX-3F1MgaAvsldg4SwvuClDbBG8y7NUJYeIJZberRugvzVC3zztWi-znKLV2N33NcbteBbluqwMYY5T7qI3ujY4/s640/asbloan+001.jpg" width="473" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">attachment A</td></tr>
</tbody></table>Utk soklan ke 2 (aku jwb soklan 2 dulu ye..) Di dalam attachment A yg aku sediakan, adalah offer drp Bank RHB yg mane ade sikit kelainan berbanding offer drp EasyRhb.<br />
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ASB5 yg dioffer drp RHB menyatakan bahawa <b><span class="Apple-style-span" style="color: yellow;">Interest</span></b> hanyalah dibyr dlm tempoh 3 thn sahaja. Bermakna, selepas 3 thn barulah korg byr principle (pokoknye).<br />
<br />
So, in short, utk 3 thn pertama peminjam hanye byr rm451 setiap bulan selama 3thn. Dan rm745/sbln utk thn ke 4 hinggalah ke thn yg ke 20. That's it! Tu je. Xde mazhab2 lain dah.<br />
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Utk soklan pertama plak. Brapekah hasil keuntungan kamu selepas 5 thn? Dan kamu nk terminate lepas tu? OK.<br />
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Ini kalo ko byr pakai duit sendiri atau PL.<br />
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg2t-PC_max6vNtvP2Uq05uIeLHh6buopF6_CKZZzyU_zqmm9I-JyzwAiYgzB_jXteFwcyPC-r5_epLLQb7o2_dzxOflomkFtPhl5chAote-jQd2KT2x6ZdQBM7LGheCQzqFFGkJFMJgZY/s1600/soalan2.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="175" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg2t-PC_max6vNtvP2Uq05uIeLHh6buopF6_CKZZzyU_zqmm9I-JyzwAiYgzB_jXteFwcyPC-r5_epLLQb7o2_dzxOflomkFtPhl5chAote-jQd2KT2x6ZdQBM7LGheCQzqFFGkJFMJgZY/s400/soalan2.JPG" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">klik image utk paparan lebih besar</td></tr>
</tbody></table>Berdasarkan <span class="Apple-style-span" style="color: yellow; font-weight: bold;">ANDAIAN </span><span class="Apple-style-span">dividend sebyk 7.5% & bonus sebyk 1.25% selama 5thn & sekiranye sedare x withdraw kan dividend sedare tu. Jumlah dividend terkumpul selama 5 thn adalah <span class="Apple-style-span" style="color: yellow; font-weight: bold;">RM 45,852.11. </span><span class="Apple-style-span">Penalti ataupun exit fees yg dikenakan adalah 1% drp pinjaman. Means, kalo korg amik 100k, exit fees korg adalah RM1,000 sahaje. So, in sum total keuntungan korg adalah <b><span class="Apple-style-span" style="color: yellow;">RM44,852.11</span></b>. </span></span><br />
<span class="Apple-style-span"><span class="Apple-style-span"><br />
</span></span><br />
Perlu diingatkan, jika korg apply melalui EasyRhb, locking period adalah 5 thn. Tp kalo korg apply dgn RHB Bank directly, locking period adalah 3 thn shj. Knp? Tanye lah bank sendiri...<br />
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Lg satu, IF korg terminate after locking period, korg x dikenakan Penalti @ exit fees. Means, kalo terminate pd thn ke 6, xde lah exit fees nye!<br />
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Ini plak kalo korg gunakan teknik yg aku citerkan dlm Part 4,<br />
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi5jB4Fey6HckmWoYddv25EdKV213HRpfaSUsiNVBbpMtTLlceeED-TLQ-gABO7yEB33WQVQzTDyapE_48wHih6q9zSUAb4v7NH7sl5c4kMeKzDH-xXlwszmYDoX5nxzNoKe6cbaAEUmO8/s1600/soalan3.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="175" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi5jB4Fey6HckmWoYddv25EdKV213HRpfaSUsiNVBbpMtTLlceeED-TLQ-gABO7yEB33WQVQzTDyapE_48wHih6q9zSUAb4v7NH7sl5c4kMeKzDH-xXlwszmYDoX5nxzNoKe6cbaAEUmO8/s400/soalan3.JPG" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">klik utk paparan lebih besar </td></tr>
</tbody></table>Melalui kaedah ini, keuntungan korg adalah sebyk <b><span class="Apple-style-span" style="color: yellow;">RM19,677.69</span></b> dlm mase 5 thn. Kalo tolak dgn exit fees, dpt le dlm <b><span class="Apple-style-span" style="color: yellow;">RM 18,677.69</span></b>! Keuntungan korg berkurangan sbb korang dah gunakan dividend td utk byrkan monthly pymt asbloan korg tu (byr utk lumpsum setahun)<br />
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<b>Summary:</b><br />
<br />
<br />
<ol><li>Perlu diingatkan, kiraan di atas adalah dgn andaian div 7.5% & bonus 1.25% selama 5 thn berturut. Aku bkn nujum yg boleh forecast brape div yg asb nk bg</li>
<li>Kiraan di atas jgk adalah dgn andaian monthly pymt TIDAK berubah. Ini adalah kerana, 3 @ 5 thn pertama td korg hanyalah membyr interest. Dan interest ini dikenakan berdasarkan <b><a href="http://en.wikipedia.org/wiki/Overnight_rate">OPR</a>. </b>Maknenye, ade bulan korg byr lebih, ade bulan korg byr kurang dr RM415 tu. </li>
<li>Bergantung kepada MATLAMAT pelaburan anda, ape target korg utk wat pelaburan melalui Asb ni. Agak2 meet tak TARGET korg kalo guna kaedah pertama & kedua?? </li>
<li>Kiraan di atas jgk hanyalah mengambil kira Asbloan Vs Dividend sahaje. Tak masuk plak untung @ kerugian korg yg lelain tu (cnth: monthly pymt PL korg, credit card dll...)</li>
</ol><div>Harap pencerahan & jawapan di atas dpt memuaskan hati bg yg bertanye. Kalo x caye jgk tanye lah Bank sendiri. Leh call Puan Azah, RHB Cawangan Shah Alam << ni salesperson yg aku dptkan info sumer2 ni</div><div><br />
</div><div><br />
</div><div>Selamat Beramal !</div><div><br />
</div><div><span class="Apple-style-span" style="color: red;">kredit to bebas-hutang.com for asb calculator </span></div>rocketeer999http://www.blogger.com/profile/08110586064727526462noreply@blogger.com0tag:blogger.com,1999:blog-64562109752776740.post-50413562971005375432010-12-21T16:01:00.000+08:002010-12-21T16:01:24.432+08:00Mari Semak Market Value Rumah Anda Disini !<div class="separator" style="clear: both; text-align: center;"><a href="http://allhouseprice.com/"><img border="0" height="95" src="http://allhouseprice.com/images/logo.png" width="400" /></a></div><br />
<br />
<br />
Pernah tak korang tgk2 rumah kt mudah.my ke iproperty ke?<br />
Korang tertanye2 tak brape market value umah tersebut?<br />
<br />
atau<br />
<br />
Pernah tak korang nk pergi membida umah2 lelong?<br />
Tapi takut nak pegi sbb takut terbida sehingga over <b><span class="Apple-style-span" style="color: yellow;">MARKET VALUE</span></b>?<br />
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Kini korang tak perlu risau lg, memperkenalkan allhouseprice (dot) my!<br />
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senang je:<br />
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<span class="Apple-style-span" style="color: yellow;"><b>Step 1</b></span>: Klik pada link yang aku dah sediakan atau taip allhouseprice.com<br />
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<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhoy9G2EVhYtaX6iPQnGW4HYMiC9xJpR7fSruc9bBN3wMNYhkX9Nm8xBuvaP7OZIR__GIspDs_kHkymUj2I5BWcrESxozVR5pinmw5K5C7i5MO-5lWJ83Z61ACTUgMcLOqanU-Y0sFSDaY/s1600/allhouseprice.my.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="247" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhoy9G2EVhYtaX6iPQnGW4HYMiC9xJpR7fSruc9bBN3wMNYhkX9Nm8xBuvaP7OZIR__GIspDs_kHkymUj2I5BWcrESxozVR5pinmw5K5C7i5MO-5lWJ83Z61ACTUgMcLOqanU-Y0sFSDaY/s400/allhouseprice.my.JPG" width="400" /></a></div><br />
<span class="Apple-style-span" style="color: yellow;"><b>Step 2</b></span>: Korang akan jumpe quick search<br />
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<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjZboll2lWa-GduuRFoBgLeLV1enM5i_amWT5CKmGg9OtXAkz1oPyk9c_7QoomheliKqVCu4piEqz6itMHGlPCxXk5lWslRZC8piINRf98kLLcdD1vesrkvaSMaTjsuy3s5GleiwW8ShVA/s1600/allhouseprice1.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="211" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjZboll2lWa-GduuRFoBgLeLV1enM5i_amWT5CKmGg9OtXAkz1oPyk9c_7QoomheliKqVCu4piEqz6itMHGlPCxXk5lWslRZC8piINRf98kLLcdD1vesrkvaSMaTjsuy3s5GleiwW8ShVA/s640/allhouseprice1.jpg" width="640" /></a></div><br />
atau boleh jugak korang pakai easy search, ikut la yg mane2 pon. Cuma easy search ni lg senang bg aku...<br />
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<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgk3WGFsSVZmt9Ss67Qqu4FC4zgXOSyyXuN00_QgV7T4HKAPNpM5zNfnrnShI8MfTmISXTkzuAmQeKeFSfDRI-z4XAIsJ6Gduzv8uj-QhjeV92Cdh8ps7YHVpjeGh9n1WFYprI6UtDBoBk/s1600/allhouseprice2.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="233" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgk3WGFsSVZmt9Ss67Qqu4FC4zgXOSyyXuN00_QgV7T4HKAPNpM5zNfnrnShI8MfTmISXTkzuAmQeKeFSfDRI-z4XAIsJ6Gduzv8uj-QhjeV92Cdh8ps7YHVpjeGh9n1WFYprI6UtDBoBk/s640/allhouseprice2.jpeg" width="640" /></a></div><br />
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<span class="Apple-style-span" style="color: yellow;"><b>Step 3</b></span>: Pilih kriteria umah yg korang cari tu. Just isikan tempat kosong. Tapi kene tau kawasan tu daerah mane. Kalo x ssh nak trace area mane property tu. Dah selesai, klik je SEARCH<br />
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<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiZDClNsbJ-KevFHf-MSEdvW-pd0ytVE1UlXVAqFDgK_oBUGDnLFI3WrlYHGVhj-OMWy2nKvvy919wEzwPdKcgqXpokdedu9n-GIPS-9bXekNAWE3FbCBpVq0klCQ__Qc3kr3UiOTK8ybE/s1600/allhouseprice3.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="377" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiZDClNsbJ-KevFHf-MSEdvW-pd0ytVE1UlXVAqFDgK_oBUGDnLFI3WrlYHGVhj-OMWy2nKvvy919wEzwPdKcgqXpokdedu9n-GIPS-9bXekNAWE3FbCBpVq0klCQ__Qc3kr3UiOTK8ybE/s640/allhouseprice3.jpeg" width="640" /></a></div><br />
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<b><span class="Apple-style-span" style="color: yellow;">Step 4</span></b>: Jeng3! There you go! Akan kuar Market Value yg korg carik tu! Selamat Mencuba!<br />
<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjVhtvxbiLeXH6DA-J7xkpdfZ_iFapd21bSSVMiYsDOEBSEoq1Uq3MAvjXSn_BapRAYMNS9lnznU0oplEVmCw9ZVr59Zl99TQ32zB0JA-wpemctGVLVmtFmL4kiv2tttJtE6Sq7X679_Lk/s1600/allhouseprice4.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="508" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjVhtvxbiLeXH6DA-J7xkpdfZ_iFapd21bSSVMiYsDOEBSEoq1Uq3MAvjXSn_BapRAYMNS9lnznU0oplEVmCw9ZVr59Zl99TQ32zB0JA-wpemctGVLVmtFmL4kiv2tttJtE6Sq7X679_Lk/s640/allhouseprice4.jpeg" width="640" /></a></div>rocketeer999http://www.blogger.com/profile/08110586064727526462noreply@blogger.com9tag:blogger.com,1999:blog-64562109752776740.post-4072865379515298212010-11-23T01:02:00.007+08:002010-11-29T12:29:17.911+08:00Promosi Minggu Ini<div class="separator" style="clear: both; text-align: center;"><a href="http://www.avianregistry.com/images/promotion.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="313" src="http://www.avianregistry.com/images/promotion.gif" width="320" /></a></div><h3 class="UIIntentionalStory_Message" data-ft="{"type":"msg"}" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;"><span class="UIStory_Message"><span class="Apple-style-span" style="font-size: large;"><span class="Apple-style-span" style="color: yellow; font-family: Verdana, sans-serif; font-weight: normal;"><br />
</span></span></span></h3><h3 class="UIIntentionalStory_Message" data-ft="{"type":"msg"}" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: center;"><span class="UIStory_Message"><span class="Apple-style-span" style="font-size: large;"><span class="Apple-style-span" style="color: yellow; font-family: Verdana, sans-serif; font-weight: normal;"><span class="Apple-style-span" style="color: black; font-family: 'Times New Roman'; font-size: 19px; font-weight: bold;"><u><span class="Apple-style-span" style="font-size: large;"><span class="Apple-style-span" style="color: yellow;"><span class="Apple-style-span" style="font-family: Verdana, sans-serif;">HARGA HARI INI (29/11/10): </span></span><span class="Apple-style-span" style="color: red;"><span class="Apple-style-span" style="font-family: Verdana, sans-serif;">RM 149.19/gm</span></span></span></u></span> </span></span></span></h3><h3 class="UIIntentionalStory_Message" data-ft="{"type":"msg"}" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;"><span class="UIStory_Message"><span class="Apple-style-span" style="font-size: large;"><span class="Apple-style-span" style="color: yellow; font-family: Verdana, sans-serif; font-weight: normal;"><br />
</span></span></span></h3><h3 class="UIIntentionalStory_Message" data-ft="{"type":"msg"}" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;"><span class="UIStory_Message"><span class="Apple-style-span" style="font-size: large;"><span class="Apple-style-span" style="color: yellow; font-family: Verdana, sans-serif; font-weight: normal;">Promosi Minggu Ini: Beli Brg Kemas dp goldentainment & dptkan diskaun utk setiap item berikut:</span><br />
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<span class="Apple-style-span" style="font-family: Verdana, sans-serif;"><span class="Apple-style-span" style="color: yellow; font-weight: normal;">1) Bwh 10gram-</span><span class="Apple-style-span" style="color: red;">less 1%</span><span class="Apple-style-span" style="color: yellow; font-weight: normal;"> drp Daily price!</span></span></span></span></h3><h3 class="UIIntentionalStory_Message" data-ft="{"type":"msg"}" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;"><span class="UIStory_Message"><span class="Apple-style-span" style="font-size: large;"><span class="Apple-style-span" style="font-family: Verdana, sans-serif;"><span class="Apple-style-span" style="color: yellow; font-weight: normal;">2) Bwh 20gram-</span><span class="Apple-style-span" style="color: red;">less 2%</span><span class="Apple-style-span" style="color: yellow; font-weight: normal;"> drp Daily Price!!</span></span></span></span></h3><h3 class="UIIntentionalStory_Message" data-ft="{"type":"msg"}" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;"><span class="UIStory_Message"><span class="Apple-style-span" style="font-size: large;"><span class="text_exposed_show" style="display: inline;"><span class="Apple-style-span" style="font-family: Verdana, sans-serif;"><span class="Apple-style-span" style="color: yellow; font-weight: normal;">3) 21gram ke atas- </span><span class="Apple-style-span" style="color: red;">less 3%</span><span class="Apple-style-span" style="color: yellow; font-weight: normal;"> drp Daily Price!!!</span></span><br />
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<span class="Apple-style-span" style="color: yellow; font-family: Verdana, sans-serif; font-weight: normal;">Cpt!!!!!!!!!!!!!!! Harga Kami Jauh Lebih Rendah drp Harga Kedai Emas Terkemuka!!! Minggu ni ajeeeeeeeeeeeeeeeeeeeeeeeeeeeee</span><br />
<span class="Apple-style-span" style="color: yellow; font-family: Verdana, sans-serif; font-weight: normal;">sila lawati:</span><br />
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<div style="text-align: center;"><span class="Apple-style-span" style="color: yellow;"><u><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;">>><a href="http://goldentainment.blogspot.com/2010/11/koleksi-intelek-emas-resources-bangle.html">Koleksi Bangle</a><<</span></u></span></div></span></span></span></h3><div><span class="UIStory_Message"><span class="Apple-style-span" style="font-size: large;"><span class="text_exposed_show" style="display: inline;"><br />
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<div style="text-align: center;"><span class="Apple-style-span" style="color: yellow; font-family: 'Trebuchet MS', sans-serif;"><u>>><a href="http://goldentainment.blogspot.com/2010/11/koleksi-intelek-emas-resources-necklace.html">Koleksi Necklace</a><<</u></span></div><span class="Apple-style-span" style="color: yellow; font-family: Verdana, sans-serif;"><span class="Apple-style-span" style="font-weight: normal;"><br />
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</span></span></span></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjB7jHne-UVi5H_n7uZy1BCs1iFO0psA6GOa2LY4YUZEZISpqhjuIoYzrOKCHjNofxtPfzyignSCONz31zn504zX3Q5DcVz71K6ExvkEZP8VGM9wyj3rDDoBB2lIpdtLphTMFv5IZypw7c/s1600/74548_160557163983429_100000874405907_293988_7267398_n.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="274" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjB7jHne-UVi5H_n7uZy1BCs1iFO0psA6GOa2LY4YUZEZISpqhjuIoYzrOKCHjNofxtPfzyignSCONz31zn504zX3Q5DcVz71K6ExvkEZP8VGM9wyj3rDDoBB2lIpdtLphTMFv5IZypw7c/s320/74548_160557163983429_100000874405907_293988_7267398_n.jpg" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><br />
</div><h3 class="UIIntentionalStory_Message" data-ft="{"type":"msg"}" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;"><span class="UIStory_Message"><span class="Apple-style-span" style="font-size: large;"><span class="text_exposed_show" style="display: inline;"><br />
<div style="text-align: center;"><span class="Apple-style-span" style="color: yellow; font-family: 'Trebuchet MS', sans-serif;"><u>>><a href="http://goldentainment.blogspot.com/2010/11/koleksi-intelek-emas-resources-cincin.html">Koleksi Cincin</a><<</u></span></div></span></span></span></h3><div><span class="UIStory_Message"><span class="Apple-style-span" style="font-size: large;"><span class="text_exposed_show" style="display: inline;"><br />
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</div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhNQL84Bg6KwizSs8VWaWGW9L8iixbqcW8ng7bPoF0McCqMYibas5mEGZiEvVR-so25r57O4DbRaEcjJ6FrFnHCs7iPuy86aF5bo0Dsthr0fcYoFLZh_jVNEwCgmad69lkGwwxI6ECMuvU/s320/76083_160574197315059_100000874405907_294096_2809450_n.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="86" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhNQL84Bg6KwizSs8VWaWGW9L8iixbqcW8ng7bPoF0McCqMYibas5mEGZiEvVR-so25r57O4DbRaEcjJ6FrFnHCs7iPuy86aF5bo0Dsthr0fcYoFLZh_jVNEwCgmad69lkGwwxI6ECMuvU/s400/76083_160574197315059_100000874405907_294096_2809450_n.jpg" width="400" /></a></div><h3 class="UIIntentionalStory_Message" data-ft="{"type":"msg"}" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;"><span class="UIStory_Message"><span class="text_exposed_show" style="display: inline;"><br />
<div style="text-align: center;"><div style="font-size: 5px;"><span class="Apple-style-span" style="color: yellow; font-family: 'Trebuchet MS', sans-serif;"><u>>><a href="http://goldentainment.blogspot.com/2010/11/koleksi-barang-kemas-intelek-emas-sila.html">Koleksi Rantai Tangan</a><<</u></span></div><div style="font-size: 5px;"><span class="Apple-style-span" style="color: yellow; font-family: 'Trebuchet MS', sans-serif;"><u><br />
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<span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><u><span class="Apple-style-span" style="-webkit-text-decorations-in-effect: none; font-family: 'lucida grande', tahoma, verdana, arial, sans-serif;"><span class="Apple-style-span" style="font-size: large;"><span class="Apple-style-span" style="color: yellow;">Harga Hari Ini (25/11/10): </span><span class="Apple-style-span" style="color: yellow;">RM 152.57/gm</span><br />
<span class="Apple-style-span" style="color: yellow;">Harga Semalam (24/11/10): RM152.51/gm</span><br />
<span class="Apple-style-span" style="color: yellow;">Harga Kelmarin (23/11/10): RM 148.92/gm</span><br />
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<span class="Apple-style-span" style="color: yellow;">Harga FGJAM (Harga yg ditetapkan utk Kedai2 Emas): RM157/gm</span></span></span></u></span></div></span></span></h3>rocketeer999http://www.blogger.com/profile/08110586064727526462noreply@blogger.com0tag:blogger.com,1999:blog-64562109752776740.post-74748492273204819412010-11-22T20:22:00.004+08:002011-01-28T23:24:00.744+08:00Investment Emas Pt 3: Bagaimana Utk Mengaut Keuntungan Dgn Emas Infiniti (never ends)<div class="separator" style="clear: both; text-align: center;"></div><br />
<div class="separator" style="clear: both; text-align: center;"><a href="http://t1.gstatic.com/images?q=tbn:ANd9GcSnAPuT20uF8uF3IzgIIqEau-DL8O7OPicOIfMTMzEKbpIGB1orgA" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="http://t1.gstatic.com/images?q=tbn:ANd9GcSnAPuT20uF8uF3IzgIIqEau-DL8O7OPicOIfMTMzEKbpIGB1orgA" width="400" /></a></div><br />
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Salam Aidil Adha pembaca sumer. Dah lame aku x menulis, asik dgn jualan emas & property je. So aku ingat nk citer pasal Manipulasi Pelaburan Emas plak. Kali ni, part 3.<br />
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Ok, spt mane yg korg tau, dlm Part 1 & Part 2, aku ade citer pasal konsep jangka pendek, jangka sederhana & jangka panjang. Well, yg ni adalah konsep jangka panjang, tp kalo nk buat jangka pendek pon leh jgk.<br />
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Sebelum kite teruskan, adelah penting utk aku tye korg, ape matlamat korg wat mende ni....dan adekah korg aware akan risiko2 pelaburan jenis ini??<br />
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Ini akan aku kupaskan satu per satu dlm posting kali ini. Kalo aku x, korg ingatkan aku kt komen dibwh. OK?<br />
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<u><b><span class="Apple-style-span" style="color: yellow;">Bahan-bahan Yang Diperlukan Adalah:</span></b></u><br />
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<ol><li><span class="Apple-style-span" style="color: yellow;">Sedikit Modal (utk membeli brg kemas-boleh gunakan teknik pajakan sekiranya modal terhad)</span></li>
<li><span class="Apple-style-span" style="color: yellow;">Customer</span></li>
<li><span class="Apple-style-span" style="color: yellow;">M2U, utk tujuan pembayaran</span></li>
<li><span class="Apple-style-span" style="color: yellow;">Syarikat yg berdaftar <b>(optional) </b></span></li>
<li><span class="Apple-style-span" style="color: yellow;">Ar rahnu <b>(ni pon optional)</b></span></li>
<li><span class="Apple-style-span" style="color: yellow;">Peti Simpanan di bank (leh pilih kt mane2, best place kt Sunway sbb die bukak smpi mlm)</span></li>
</ol><div><u><b>Cara-cara</b></u></div><div><ol><li>Selepas korg beli brg kemas td, juallah dgn harga yg korg rase berbaloi utk dijual. Ofcourse lah, biar untung sekurang2 nye 5% drp harga belian korg. Let say, korg beli 2850, jual pd harga rm3000</li>
<li>Offer kpd penjual utk byr secara ansuran. Kalo die nak, maka die kene topup lg 50 ~ 80 (one time) utk kos upah simpan. </li>
<li>Brg tu hanye pembeli akan dpt setelah ansuran habis dijelaskan. Let say korg wat ansuran selama 10 bln. So sebulan installmentnye rm300.</li>
<li>Dgn cara ini, korg akan mendpt <b><span class="Apple-style-span" style="color: yellow;">FIXED</span></b> income every month. Dan apabila dah cukup tenure, korg kuarkan brg kemas korg td drp Peti Simpanan dan serahkan kpd pemilik yg baru. </li>
<li>So utk menjd kan bisnes ni lebih dramatis, korg mintak customer korg bank in kan pymt tu every month. Kalo die byr CASH, korg bank in kan la sendiri.</li>
<li>Dgn cara ini, bank statement korg akan noted 1 income yg msk every month. Yg bestnye korg leh wat statement tu as SUPPORTIVE document bile korg wat loan ape2 nnt...loan rumah ke, PL ke dll lah</li>
</ol><div><u><b>Antara kaedah lain adalah:</b></u></div></div><div><div class="separator" style="clear: both; text-align: center;"><a href="http://t2.gstatic.com/images?q=tbn:ANd9GcT_FqJZ91V7A6Q41yTrqoN42KxR-2soIggrhI1PtBD7oTNJSgE&t=1&usg=__wljvrTkPNGtfk5gkhqrgmTFgDOI=" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="170" src="http://t2.gstatic.com/images?q=tbn:ANd9GcT_FqJZ91V7A6Q41yTrqoN42KxR-2soIggrhI1PtBD7oTNJSgE&t=1&usg=__wljvrTkPNGtfk5gkhqrgmTFgDOI=" width="200" /></a></div><ol><li>Once beli brg kemas td, pajak kan kt ar rahnu. So katekan brg tu berharga rm2850 korg akan dpt 65% ~ 70% drp nilai tersebut sbg pinjaman. For example, rm1852.50 (65%) </li>
<li>Dgn andaian emas korg naik 5% ~ 10% dlm tempoh 6 bln: Harga baru brg kemas korg adalah rm1845.43 (5%) atau rm2037.75 (10%) </li>
<li>Bile dah naik, g la ke ar rahnu korg td dan buatlah NILAIAN SEMULA. Basically, nilaian semula ni adalah harga baru - harga lama. Let say, kenaikan sebyk 10% (2037.75 - 1852.50 = <b><span class="Apple-style-span" style="color: yellow;">rm185.25</span></b>)</li>
<li>Akan tetapi jgn lupe, korg kene lunaskan upah simpan yg dikenakan bergantung kpd tempoh simpanan korg td. Dlm kes ni, 6 bln (1852.50/100 x 0.70 x 6 bulan = <b><span class="Apple-style-span" style="color: yellow;">rm77.80</span></b>). Thus, drp keuntungan korg yg rm185.25 td tolak dgn rm77.80 = <b><span class="Apple-style-span" style="color: yellow;">RM107.45</span></b>) </li>
<li>Kalo kite lihat kt sini, mcm untung. Tp sebenarnye blom untung. </li>
<ul><li>Korg kuarkan modal rm2850</li>
<li>Setelah dipajakkan dpt rm1852.50 (masih ade baki rm993, utk balik modal) </li>
<li>Dan setelah nilaian semula (993 - 107.45 = <b><span class="Apple-style-span" style="color: yellow;">RM 885.55</span></b> to go...)</li>
</ul><li>Korg hanye perlu wat nilaian semula setiap kali harga naik & bertahan bile harga rendah.</li>
<li>Ape maksud bertahan ni? Maksudnye, kalo harga masih rendah, sedangkan due date gadaian hampir tamat, korg akan hadapi mslh utk nilaian semula. So samada korg perlu HANYA byr upah simpan & continue lg 6 bulan atau tebus dgn cara mencari buyer utk membeli emas korg tu.</li>
</ol><div><div class="separator" style="clear: both; text-align: center;"><a href="http://t3.gstatic.com/images?q=tbn:ANd9GcQ4Afm_yBcqF1ii3kpo-1Aeexz1XwbDISaW79vAt77zTn47X4M&t=1&usg=__NscjRv8dUDM3_088tBecw4-Wyro=" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://t3.gstatic.com/images?q=tbn:ANd9GcQ4Afm_yBcqF1ii3kpo-1Aeexz1XwbDISaW79vAt77zTn47X4M&t=1&usg=__NscjRv8dUDM3_088tBecw4-Wyro=" /></a></div><br />
</div></div><div><u><b>Kebaikkan:</b></u></div><div><ol><li>Dgn cara mana2 diatas, korg akan mendpt (literally @ secara bahasenye)<b> <span class="Apple-style-span" style="color: yellow;">SETIAP</span></b> bulan duit sebagai pendapatan sampingan korg.</li>
<li>Korg membantu kwn2 kite yg ingin membeli brg kemas tp x mampu byr sekaligus rm3000 tu. </li>
<li>Dgn pembayaran setiap bulan td, korg leh jd kannye sbg statement bisnes korg & leh wat sbg supportive document setiap kali korg nk apply Loan (bisnes loan, Home loan etc)</li>
<li>Dan dgn pembyran bulanan ni jgk, korg leh beli emas lg utk dijual. Bygkan kalo ade 10 org yg byr rm300 tiap2 bulan? Tak ke dah rm3000 tu? Kt sini je korg dah leh beli brg baru lg!</li>
<li>Brg kemas yg dibeli oleh org td <b><span class="Apple-style-span" style="color: yellow;">SECURED</span> </b>(sbb simpan kt bank, xkira la arrahnu ke, safe deposit ke) kalo hilang pon diorg akan ganti. Suke utk aku ingatkan kt sini, bace dulu <b><span class="Apple-style-span" style="color: yellow;">TERMA & SYARAT</span></b> sebelum simpan kt mane2 bank</li>
<li>Kalo dgn teknik <b><span class="Apple-style-span" style="color: yellow;">NILAIAN SEMULA</span></b> plak, korg akan mkn duit tu smpi anak cicit pon bleh.</li>
</ol><div><div class="separator" style="clear: both; text-align: center;"><a href="http://t2.gstatic.com/images?q=tbn:ANd9GcR6tjGaEBKtXt-obBradQf4m5cHr3Ov6xZtln61ppPPSTomNXI&t=1&usg=__MUws832Wmbeuoy3khFDNGeS6j_E=" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://t2.gstatic.com/images?q=tbn:ANd9GcR6tjGaEBKtXt-obBradQf4m5cHr3Ov6xZtln61ppPPSTomNXI&t=1&usg=__MUws832Wmbeuoy3khFDNGeS6j_E=" /></a></div><br />
</div></div><div><u><b>Keburukkan:</b></u></div><div><ol><li>Risiko jika harga<b><span class="Apple-style-span" style="color: red;"> tak naik</span></b>. Emas akan dilelong kalo korg x tebus dlm tempoh mase yg ditetapkan. (bg konsep nilaian semula)</li>
<li>Upah Safe Deposit yg <span class="Apple-style-span" style="color: red;"><b>agak tinggi</b></span>. Minimum pon rm80 setahun. Bygkan kalo korg ade 10 peti? x ke rm800 dah tu? Kenapa aku ckp 10 peti? Sbb maximum insurance covered pon hanyelah rm10000 setiap peti, nk lebih tmbh sendiri. Takut nnt kalo brg korg tu ilang dlm bank, insurance cuma byr rn10K je, sdgkan nilai brg korg tu <b><span class="Apple-style-span" style="color: red;">jauh lebih mahal dr tu</span></b>!</li>
<li>Tempoh yg sgt panjang. Blom tentu korg akan balik modal dlm tempoh setahun dua! Ni sumer bergantung kepada <b><span class="Apple-style-span" style="color: red;">PASARAN EMAS</span></b> !</li>
<li>Ade arrahnu yg <b><span class="Apple-style-span" style="color: red;">TIDAK</span></b> membenarkan nilaian semula! Better check before hand sebelum memajak. X membenarkan disini bermaksud, korg kene byr dulu, pastu die bg balik duit korg dgn nilai yg baru. Kalo yg berduit xpe, yg x berduit??</li>
<li>Kalo Si Penjual <b><span class="Apple-style-span" style="color: red;">menaikkan Harga</span></b>. Kalo dah tamak tu, mcm2 leh jd...die tgk harga naik mencanak2 rase rugi plk jual murah awl2 dulu, pastu dan2 nk jual balik pd harga mahal! Paling teruk kalo dah byr habis tp xnk hand over barang! DEM!</li>
</ol><div><br />
</div></div><div><u><b>REMEDY:</b></u></div><div><ul><li>Sekiranya Harga emas tak naik sedangkan pajakkan dah due. Just byr upah simpan for the past 6 months. Dan smbg la lg utk 6 bulan seterusnya. </li>
<li>Tp, kalo dah xleh gak <span class="Apple-style-span" style="color: #999999;">(<i>ade sesetengah mazhab di bank boleh, ade yg x boleh...padahal sama Bank! bladiful.</i>.)</span> ape yg korg leh wat adalah mintak org len tebuskan sementara waktu. But the main idea is keluarkan drp arrahnu tersebut! & masuk balik beli harga tinggi</li>
<li>Last resort adalah jual saje pd org len dgn harga used gold. Korg still dpt balik duit korg <b><span class="Apple-style-span" style="color: cyan;">PLUS</span></b> sedikit keuntungan. </li>
<li>Utk mengelakkan berlaku penyelewengan, buat la agreement. But, remember, an agreement is not 100% strong!</li>
<li>Pastikan korg beli hanya drp <b><span class="Apple-style-span" style="color: cyan;">RELIABLE & REPUTABLE</span></b> seller only. Diorg akan jual dgn penuh etika utk jaga bisnes beb!</li>
<li>Tu je la kot, kalo ade lg yg aku ingat aku akan tmbh lg....</li>
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</div><div class="separator" style="clear: both; text-align: center;"><a href="http://t2.gstatic.com/images?q=tbn:ANd9GcTb9goUWxuiI0-N9tFHAzIvgbcy-ETSDJoKdD2WGla-56Tl6tzb" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://t2.gstatic.com/images?q=tbn:ANd9GcTb9goUWxuiI0-N9tFHAzIvgbcy-ETSDJoKdD2WGla-56Tl6tzb" /></a></div><div style="text-align: center;"><br />
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</div><div style="text-align: center;"><b><span class="Apple-style-span" style="font-size: x-large;"><span class="Apple-style-span" style="color: yellow;">Sharingan is Caringan...haha! </span></span></b></div><div style="text-align: center;"><b><span class="Apple-style-span" style="font-size: x-large;"><span class="Apple-style-span" style="color: yellow;">Selamat Mencoba!</span></span></b></div>rocketeer999http://www.blogger.com/profile/08110586064727526462noreply@blogger.com2tag:blogger.com,1999:blog-64562109752776740.post-66494293284538454002010-11-11T14:37:00.005+08:002011-01-28T23:24:30.469+08:00Investment Emas Pt 2<div class="separator" style="clear: both; text-align: center;"><a href="http://t2.gstatic.com/images?q=tbn:ANd9GcSlklCK0JmE4dytWELC_nNsmCVuMVpx8Rfb5GDeit8eLoZlU8k&t=1&usg=__rq3ZNfRGwerVW-5_PYUBJGe6m9Q=" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span class="Apple-style-span" style="color: white;"><img border="0" src="http://t2.gstatic.com/images?q=tbn:ANd9GcSlklCK0JmE4dytWELC_nNsmCVuMVpx8Rfb5GDeit8eLoZlU8k&t=1&usg=__rq3ZNfRGwerVW-5_PYUBJGe6m9Q=" /></span></a></div><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="color: white;">Arini aku nk citer pasal emas plak. Rehat jap pasal asb ni. Ramai yg memberikan ucapan terima kasih atas perkongsian ilmu ini, dan ramai jgk yg mempertikaikan bagaimana ianya boleh dilakukan sedangkan hutang sama dgn nilai asb. Jgn riso, aku ade jawapan tu. Leh tye pd org2 yg bg testomoni tu...tp kalo nk dptkan direct dr aku, silalah beli <a href="http://goldentainment.blogspot.com/2010/11/ebook-od-asb-cc.html">Ebook ASB + OD + CC</a>, hasil tulisan bro SMJ ni, sbb aku x reveal teknik ni. Dah di copy rightkan. Hehe..</span></span><br />
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<span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="color: white;">Okla, aku smbg balik cite asal aku, post ni adalah post yg ke 2 selepas <a href="http://goldentainment.blogspot.com/2010/11/investment-emas-pt-1.html">post yg pertama</a>. So, arini aku nk citer pasal teknik2 manipulasi emas ni berdasarkan pengalaman & knowledge yg aku tau. Sebarang penambahan, pembetulan adalah amat2 digalakkan. </span></span><br />
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<span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><u><b><span class="Apple-style-span" style="color: white;">Teknik Manipulasi Emas: Beli 1 dpt 2</span></b></u></span><br />
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<div class="separator" style="clear: both; text-align: center;"><a href="http://t2.gstatic.com/images?q=tbn:ANd9GcT_FqJZ91V7A6Q41yTrqoN42KxR-2soIggrhI1PtBD7oTNJSgE&t=1&usg=__wljvrTkPNGtfk5gkhqrgmTFgDOI=" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><span class="Apple-style-span" style="color: white;"><img border="0" src="http://t2.gstatic.com/images?q=tbn:ANd9GcT_FqJZ91V7A6Q41yTrqoN42KxR-2soIggrhI1PtBD7oTNJSgE&t=1&usg=__wljvrTkPNGtfk5gkhqrgmTFgDOI=" /></span></a></div><ol><li><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="color: white;">Teknik yg kebykkan player2 emas tau. Yg x tau pon bleh tau. Teknik ni sesuai utk mereka yg kekurangan modal. Tp nk beli byk. </span></span></li>
<li><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="color: white;">Teknik ni memerlukan korg utk memajak emas korg di Bank. X kisah la Bank mane. Bergantung kepada availability bank, jenis emas (kalo gold bar, coin BR dah hold) & rate bank.</span></span></li>
<li><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="color: white;">Katekan korg ade RM9200, nk beli 2 ketol 50gm PG. Sedangkan harga seketol dah rm7000 (andaian, utk rege sebenar <a href="http://www.publicgold.com.my/">refer sini</a>). 2 ketol kan dah RM 14,000? Ok cmni. mula2 korg beli dulu seketol. (better lock 2 ketol dgn harga yg sama, tp amik 1-1) </span></span></li>
<li><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="color: white;">Then, korg bwk la seketol tu ke bank, agro Bank bg 70% @ 0.70 per 100 nilai marhun utk upah simpan die. So, dgn ini, korg akan dpt pinjaman dr Bank sebyk RM 4900. </span></span></li>
<li><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="color: white;">Ingat x balance korg td? (9200 - 7000 = 2200) Dgn baki rm2,200 td + rm4900 (pinjaman) korg dah ade rm7100. See? Dah lepas seketol lg!! Yeah!! Siap ade balance lg tkt2 kalo rege naik & spare utk upah simpan</span></span></li>
<li><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="color: white;">So, dgn hati yg girang korg bwkla duit td & beli la dgn ejen korg td. Dgn ini korg dah ade seketol dahhhh...tp ingat, yg seketol ni, korg jgn pajak plak</span></span></li>
<li><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="color: white;">Ini adalah kerana, dgn seketol ni la, korg leh jaja@bisnes kt blog ke, time jumpe ke dll la. </span></span></li>
<li><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><i><span class="Apple-style-span" style="color: white;">"Ok, skng dah ade emas dlm tgn! Jom jumpe!"</span></i><span class="Apple-style-span" style="color: white;"> rilek dulu...pastikan emas yg korg beli td dijual melebihi harga yg korg beli. Set your own target. Jgn tamak. Let say, beli dgn harga RM 7,000 & target nk jual pada harga RM 7,500. </span></span></li>
<li><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><b><span class="Apple-style-span" style="color: white;">Additional Trick:</span></b><span class="Apple-style-span" style="color: white;"> bile harga naik, korg jual la below mrkt. Let say, market @ RM 7,600 jual la kt harge RM 7,500 or lower. Dgn cara ini, korg dah tarik perhatian pembeli2 emas yg sentiasa mahukan harga yg lebih murah....best kan??????</span></span></li>
<li><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="color: white;">So, bile dah jual yg seketol tu, tebus la yg seketol lg kt bank tu. "<i>Brape td? RM4900 ye?? nahhh! " </i> Amboi, langsinye...haha, korg lupe ke ade upah simpan? (7000/100 X 0.70 = RM49/sebulan) Jd, kalo korg amik pd bulan ke 6, korg kene tmbh la lg RM294</span></span></li>
<li><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><i><span class="Apple-style-span" style="color: white;">"Jdnye total sume skali RM5194 cek" </span></i><span class="Apple-style-span" style="color: white;">So, drp RM 7,500 korg dpt td (7500-5194 = 2306). Dpt la korg Gold Bar ke2 korg tu....& jual la ikut step2 di atas td. Let say korg jual dgn harga yg sama @ rm7500. Nk cover lost, up la dlm 100 ~ 200, as long as within or below mrkt price.</span></span></li>
<li><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="color: white;">In total : RM 7500 + RM2306 = RM 9806. Kt sini korg dah untung <b>Rm606!!!.</b> Modal (9200) - untung (9806) Wowwwwwwwwwwwwwww!</span></span></li>
<li><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="color: white;">Compare plak dgn korg just beli seketol je. <b>7500 - 7000 = 500<just 500="" beb!!<="" font=""></just></b></span></span></li>
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</span></b></u></span></span></div><div><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><u><b><span class="Apple-style-span" style="color: white;">Summary: Kebaikan</span></b></u></span></span></div><div><ol><li><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><b><span class="Apple-style-span" style="color: white;">Berjaya memaximakan Profit anda</span></b><span class="Apple-style-span" style="color: white;">. Wpon asalnye korg cuma leh beli seketol, tp dgn teknik ni korg bleh beli 2 ketol. Nak pulak kalo emas tu lg lama, mesti la lg mahal!</span></span></span></li>
<li><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><b><span class="Apple-style-span" style="color: white;">Secure: </span></b><span class="Apple-style-span" style="color: white;">Emas korg ada di dlm Jagaan Bank (selagi dlm pajakan la, itu pon jika value x lebih dr rm10k) Jika jd pape kt emas korg, korg leh amik tindakan kt bank! Lg seketol tu plak, dlm pegangan korg. Xde la mcm kt pegangan org lain mcm konsep Etika Emas suatu ketika dahulu tu! Bile dah ade kt tgn sendiri ni, nk bisnes pon sng bang! Orang tgk brg ade, lg yakin! </span></span></span></li>
</ol><div><div class="separator" style="clear: both; text-align: center;"><a href="http://t2.gstatic.com/images?q=tbn:ANd9GcR6tjGaEBKtXt-obBradQf4m5cHr3Ov6xZtln61ppPPSTomNXI&t=1&usg=__MUws832Wmbeuoy3khFDNGeS6j_E=" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span class="Apple-style-span" style="color: white;"><img border="0" src="http://t2.gstatic.com/images?q=tbn:ANd9GcR6tjGaEBKtXt-obBradQf4m5cHr3Ov6xZtln61ppPPSTomNXI&t=1&usg=__MUws832Wmbeuoy3khFDNGeS6j_E=" /></span></a></div><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></div></div><div><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><u><b><span class="Apple-style-span" style="color: white;">Summary: Keburukan</span></b></u></span></span></div><div><ol><li><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><b><span class="Apple-style-span" style="color: white;">Upah Simpan: </span></b><span class="Apple-style-span" style="color: white;">Kalo lg lame korg simpan, lg tinggi le upah simpannye. Nk plak kalo brg yg korg letak tu, value die tinggi! Upah simpan ni plak leh reducekan korg punye profit. Kalo x td dah sedap korg dpt <b>606 + 294 = 900 </b>! </span></span></span></li>
<li><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><b><span class="Apple-style-span" style="color: white;">Harga: </span></b><span class="Apple-style-span" style="color: white;">Kenaikan & Penurunan harga dlm pasaran emas amat penting! Sekiranya harga emas yg korg beli td tu jatuh & x naik2 dlm tempoh pajakan korg....korg akan ade mslh!! Xkan nk jual time rege rendah beb? X balik modal. Yezzaaaa, tu pemikiran Player Emas Kelas Ketiga, or Short Term Player...Long Term Playerz akan sentiasa pikir emas ni menguntungkan!</span></span></span></li>
</ol><div><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></div></div><div><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></div><div><div class="separator" style="clear: both; text-align: center;"><a href="http://thumbs.dreamstime.com/thumblarge_122/1171633495w0G6A0.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><span class="Apple-style-span" style="color: white;"><img border="0" height="200" src="http://thumbs.dreamstime.com/thumblarge_122/1171633495w0G6A0.jpg" width="200" /></span></a></div><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><b><u><span class="Apple-style-span" style="color: white;">Tips Tambahan!:</span></u></b></span></span></div><div><ol><li><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><b><span class="Apple-style-span" style="color: white;">Penawar yg paling sng adalah cash la beb!!!</span></b><span class="Apple-style-span" style="color: white;"> As I always said. Ni bukan mcm main game Mario ke ape ke, this is bisnes! U will always facing RISK! Bak kate omputih, lagi besar risiko, lagi besar la untungnye!! Cara ni adalah khas utk mereka yg kurang cash, & ofcourse la ade risknye... </span></span></span></li>
<li><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="color: white;">Antara cara utk meminimakan upah simpan yg paling mudah adalah <b>JANGAN SIMPAN LAMA2</b>! Haha..simple kan? Kadang2 x terpikir...bile korg dah ade seketol dlm tgn tu, jgn hold lame2 sgt..or sng cite, jgn la set target tiinggi2 sgt!! Dah untung skit, jual! Pastu, tebus! </span></span></span></li>
<li><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="color: white;">Let say harga x naik2...menurunnnn je...ape yg slalu aku buat, jual je, org lg suke time rege turun pon! Then,<b> LOCK SIAP2 DGN PG AT SAME PRICE</b>!! So, literally, korg x rugi pon. Korg jual murah, tp korg jgk dpt beli dgn harga yg murah. What comes around, comes around. Rege tu bounce je, nnt naik le tu.....lmbt dgn cepat je...</span></span></span></li>
</ol><div><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></div></div><div style="text-align: center;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></div><div style="text-align: center;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></div><div style="text-align: center;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></div><div style="text-align: center;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></div><div style="text-align: center;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></div><div style="text-align: center;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="font-size: x-large;"><b><span class="Apple-style-span" style="color: yellow;">thats my way, how 'bout yours ?</span></b><span class="Apple-style-span" style="color: yellow;"> </span></span></span></span></div><div style="text-align: center;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><br />
</span></span></div><div style="text-align: center;"><div style="text-align: center;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"></span></span></div></div>rocketeer999http://www.blogger.com/profile/08110586064727526462noreply@blogger.com0tag:blogger.com,1999:blog-64562109752776740.post-58979977367874429652010-11-08T15:10:00.007+08:002010-11-08T18:36:02.702+08:00Ebook OD + ASB + CC<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjt2L55_PhhqZVDA2cEVm3Q6SQa2nX0U89_zPv_hmXP3Sv0hRAXj7Xm6uRXCmqeVJQuqUBOzlanGRhUfVNc9fUmwy9In2nxBWDlan-lVV0hHmsNbZ8lTD4Fi0hOGHV97Qz5hfm4kX0ot74/s1600/ebookcover.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjt2L55_PhhqZVDA2cEVm3Q6SQa2nX0U89_zPv_hmXP3Sv0hRAXj7Xm6uRXCmqeVJQuqUBOzlanGRhUfVNc9fUmwy9In2nxBWDlan-lVV0hHmsNbZ8lTD4Fi0hOGHV97Qz5hfm4kX0ot74/s320/ebookcover.jpg" width="293" /></a></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjt2L55_PhhqZVDA2cEVm3Q6SQa2nX0U89_zPv_hmXP3Sv0hRAXj7Xm6uRXCmqeVJQuqUBOzlanGRhUfVNc9fUmwy9In2nxBWDlan-lVV0hHmsNbZ8lTD4Fi0hOGHV97Qz5hfm4kX0ot74/s1600/ebookcover.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><br />
</a></div><div class="separator" style="clear: both; text-align: center;"><span class="Apple-style-span" style="font-size: x-large;"><b><span class="Apple-style-span" style="color: orange;">Mahukah anda Sebuah Buku Yg Memuatkan Teknik-teknik </span><span class="Apple-style-span" style="color: cyan;">Menggandakan Wang??</span></b></span></div><div class="separator" style="clear: both; text-align: center;"><span class="Apple-style-span" style="color: orange;"><span class="Apple-style-span" style="font-size: x-large;"><b><br />
</b></span></span></div><div class="separator" style="clear: both; text-align: center;"><span class="Apple-style-span" style="color: orange;"><span class="Apple-style-span" style="font-size: x-large;"><b>Mahukah anda sebuah buku yg akan mengajar Teknik-teknik <span class="Apple-style-span" style="background-color: cyan;">Meminimakan Caj Kredit Kad</span> anda?</b></span></span></div><div class="separator" style="clear: both; text-align: center;"><span class="Apple-style-span" style="color: orange;"><span class="Apple-style-span" style="font-size: x-large;"><b><br />
</b></span></span></div><div class="separator" style="clear: both; text-align: center;"><span class="Apple-style-span" style="color: orange;"><span class="Apple-style-span" style="font-size: x-large;"><b>Tahukah anda Bagaimana Utk Menyimpan Setiap Bulan <span class="Apple-style-span" style="background-color: cyan;">Sebanyak RM 1000.00</span>? Dan Lebih dari itu Jika anda Mahu??</b></span></span></div><div class="separator" style="clear: both; text-align: center;"><span class="Apple-style-span" style="color: orange;"><span class="Apple-style-span" style="font-size: x-large;"><b><br />
</b></span></span></div><div class="separator" style="clear: both; text-align: center;"><span class="Apple-style-span" style="color: orange;"><span class="Apple-style-span" style="font-size: x-large;"><b>Tahukah anda dahulu saya Bayar rm970 setiap bulan utk ASB Loan saya, tp kini saya hanya <span class="Apple-style-span" style="background-color: cyan;">byr RM 100 shj</span>?? </b></span></span></div><div class="separator" style="clear: both; text-align: center;"><span class="Apple-style-span" style="color: orange;"><span class="Apple-style-span" style="font-size: x-large;"><b><br />
</b></span></span></div><div class="separator" style="clear: both; text-align: center;"><span class="Apple-style-span" style="color: orange;"><span class="Apple-style-span" style="font-size: x-large;"><b><br />
</b></span></span></div><div class="separator" style="clear: both; text-align: center;"><span class="Apple-style-span" style="color: orange;"><span class="Apple-style-span" style="font-size: x-large;"><b><br />
</b></span></span></div><div class="separator" style="clear: both; text-align: center;"><span class="Apple-style-span" style="color: orange;"><span class="Apple-style-span" style="font-size: x-large;"><b><br />
</b></span></span></div><div class="separator" style="clear: both; text-align: center;"><span class="Apple-style-span" style="color: orange;"><span class="Apple-style-span" style="font-size: x-large;"><b>Percayalah, kerana kami telah pun melakukannya!</b></span></span></div><div class="separator" style="clear: both; text-align: center;"><span class="Apple-style-span" style="color: orange;"><span class="Apple-style-span" style="font-size: x-large;"><b><br />
</b></span></span></div><div class="separator" style="clear: both; text-align: center;"></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjX8NCfyxphUz59YaI8W69mQZRhiUcpbOyKUAWUHTc68AaoKa3-VKY6QIE1n9RboCfD6p6_0-5QaTDsIXPPJ72o3r0EpLCtUG6XZFLblucL2hmdT88KYstOUZTTF9OHscGXOKJtm3SMpgo/s1600/SMJ.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em; text-align: left;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjX8NCfyxphUz59YaI8W69mQZRhiUcpbOyKUAWUHTc68AaoKa3-VKY6QIE1n9RboCfD6p6_0-5QaTDsIXPPJ72o3r0EpLCtUG6XZFLblucL2hmdT88KYstOUZTTF9OHscGXOKJtm3SMpgo/s1600/SMJ.JPG" /></a></div><div class="separator" style="clear: both; text-align: left;"><span class="Apple-style-span" style="color: orange;"><span class="Apple-style-span" style="font-size: x-large;"><b>Siapa Sedara Salihan Mohd Juri ni??</b></span></span></div><div class="separator" style="clear: both; text-align: left;"><span class="Apple-style-span" style="color: orange;"><span class="Apple-style-span" style="font-size: x-large;"><b>Admin & Creator kepada <a href="https://www.facebook.com/group.php?gid=116522485028306">Team Overdraft FB</a> @ dikenali sbg <a href="http://www.carigold.com/portal/forums/member.php?u=65534">bijakasb</a> dlm Forum CariGold</b></span></span></div><div class="separator" style="clear: both; text-align: center;"><span class="Apple-style-span" style="color: orange;"><span class="Apple-style-span" style="font-size: x-large;"><b><br />
</b></span></span></div><div class="separator" style="clear: both; text-align: center;"><span class="Apple-style-span" style="color: orange;"><span class="Apple-style-span" style="font-size: x-large;"><b><a href="https://www.facebook.com/photo.php?fbid=1383797008784&set=o.116522485028306">Testimoni Ebook</a></b></span></span></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgWWhLxKyjZhtFiUq7XNmF12MnTIrhyphenhyphenNxfiEL0sBLo5nBH-lhijal3Y0CPBTkk7pJxUEccCiL0ls0ZWb5YbX26VuZFNNnc21Lfn8TqFeTfbQV6-_IsgjqzzaWc_HmZt1r-H1VD4HQ2CkF0/s1600/testimoni+ebook.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgWWhLxKyjZhtFiUq7XNmF12MnTIrhyphenhyphenNxfiEL0sBLo5nBH-lhijal3Y0CPBTkk7pJxUEccCiL0ls0ZWb5YbX26VuZFNNnc21Lfn8TqFeTfbQV6-_IsgjqzzaWc_HmZt1r-H1VD4HQ2CkF0/s1600/testimoni+ebook.JPG" /></a></div><div class="separator" style="clear: both; text-align: center;"><span class="Apple-style-span" style="color: orange;"><span class="Apple-style-span" style="font-size: x-large;"><b><br />
</b></span></span></div><div class="separator" style="clear: both; text-align: center;"><span class="Apple-style-span" style="color: orange;"><span class="Apple-style-span" style="font-size: x-large;"><b><br />
</b></span></span></div><div class="separator" style="clear: both; text-align: center;"><span class="Apple-style-span" style="color: orange;"><span class="Apple-style-span" style="font-size: x-large;"><b>SEDIKIT PREVIEW</b></span></span></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhfdlwK8Q0S89rEFA3J-u14UGgzziR6PUkfjF5JjUBoFWM7mJ9cmc7WxE8TWcRcSbAHS9cyv5-wuICWR6NzWT68h6ZNAsMPojQUj139RttCd8uGCnmrQLny6r-uTE5CLDhWXEI13Tsu7bo/s1600/EBOOK+PREVIEW.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="250" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhfdlwK8Q0S89rEFA3J-u14UGgzziR6PUkfjF5JjUBoFWM7mJ9cmc7WxE8TWcRcSbAHS9cyv5-wuICWR6NzWT68h6ZNAsMPojQUj139RttCd8uGCnmrQLny6r-uTE5CLDhWXEI13Tsu7bo/s400/EBOOK+PREVIEW.JPG" width="400" /></a></div><div class="separator" style="clear: both; text-align: center;"><span class="Apple-style-span" style="color: orange;"><span class="Apple-style-span" style="font-size: x-large;"><b><br />
</b></span></span></div><div class="separator" style="clear: both; text-align: center;"><span class="Apple-style-span" style="color: orange;"><span class="Apple-style-span" style="font-size: x-large;"><b><br />
</b></span></span></div><div class="separator" style="clear: both; text-align: center;"><span class="Apple-style-span" style="color: orange;"><span class="Apple-style-span" style="font-size: x-large;"><b><br />
</b></span></span></div><div class="separator" style="clear: both; text-align: center;"><span class="Apple-style-span" style="color: orange;"><span class="Apple-style-span" style="font-size: x-large;"><b><br />
</b></span></span></div><div class="separator" style="clear: both; text-align: center;"><span class="Apple-style-span" style="color: orange;"><span class="Apple-style-span" style="font-size: x-large;"><b><br />
</b></span></span></div><div class="separator" style="clear: both; text-align: center;"><span class="Apple-style-span" style="color: orange;"><span class="Apple-style-span" style="font-size: x-large;"><b>Berapakah harga utk ilmu yg tak ternilai ini?? </b></span></span></div><div class="separator" style="clear: both; text-align: center;"><span class="Apple-style-span" style="color: orange;"><span class="Apple-style-span" style="font-size: x-large;"><b><br />
</b></span></span></div><div class="separator" style="clear: both; text-align: center;"><a href="http://t0.gstatic.com/images?q=tbn:ANd9GcTuIUH478Scs4uLDNbCUinXuprfCdgPNC4JXOXczX2rKOnODu0&t=1&usg=__SchJdbPG8AWi5ooMtKBtu5LXyEY=" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://t0.gstatic.com/images?q=tbn:ANd9GcTuIUH478Scs4uLDNbCUinXuprfCdgPNC4JXOXczX2rKOnODu0&t=1&usg=__SchJdbPG8AWi5ooMtKBtu5LXyEY=" /></a></div><div class="separator" style="clear: both; text-align: center;"><span class="Apple-style-span" style="color: orange;"><span class="Apple-style-span" style="font-size: x-large;"><b><br />
</b></span></span></div><div style="text-align: center;"><span class="Apple-style-span" style="font-size: x-large;"><span class="Apple-style-span" style="color: orange;">HANYA </span><span class="Apple-style-span" style="background-color: cyan;"><b><span class="Apple-style-span" style="color: red;">RM 80.00 SAHAJA!!</span><span class="Apple-style-span" style="color: orange;"> </span></b></span></span></div><div class="separator" style="clear: both; text-align: center;"><a href="http://upload.wikimedia.org/wikipedia/en/thumb/f/f1/Stop_hand_nuvola.svg/240px-Stop_hand_nuvola.svg.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://upload.wikimedia.org/wikipedia/en/thumb/f/f1/Stop_hand_nuvola.svg/240px-Stop_hand_nuvola.svg.png" /></a></div><div style="text-align: center;"><span class="Apple-style-span" style="color: orange;"><span class="Apple-style-span" style="font-size: x-large;">Tunggu~!!</span></span></div><div style="text-align: center;"><span class="Apple-style-span" style="color: orange;"><span class="Apple-style-span" style="font-size: x-large;"><br />
</span></span></div><div style="text-align: center;"><span class="Apple-style-span" style="color: orange;"><span class="Apple-style-span" style="font-size: x-large;"><br />
</span></span></div><div style="text-align: center;"><span class="Apple-style-span" style="color: orange;"><span class="Apple-style-span" style="font-size: x-large;">Jika anda beli dari saya, saya akan berikan Personal Coaching kepada Anda <span class="Apple-style-span" style="background-color: red;">Secara Percuma! </span></span></span></div><div style="text-align: center;"><span class="Apple-style-span" style="color: orange;"><span class="Apple-style-span" style="font-size: x-large;"><br />
</span></span></div><div style="text-align: center;"><span class="Apple-style-span" style="color: orange;"><span class="Apple-style-span" style="font-size: x-large;"><b>Utk tempoh masa tertentu shj! </b></span></span></div><div style="text-align: center;"><span class="Apple-style-span" style="color: orange;"><span class="Apple-style-span" style="font-size: x-large;"><b><br />
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</span></span></div>rocketeer999http://www.blogger.com/profile/08110586064727526462noreply@blogger.com1tag:blogger.com,1999:blog-64562109752776740.post-28638968603418280002010-11-06T04:01:00.004+08:002010-11-15T17:02:53.784+08:00Overdraft vs ASB Pt 5 (Advance Level)<div class="separator" style="clear: both; text-align: center;"><a href="http://t1.gstatic.com/images?q=tbn:ANd9GcTits_ZUuRAn6lufvEdiypo0KY0CThhhQw8JfRkRzFHUOkK0-c&t=1&usg=__yw_yFZGeAmuo6bzb8tDzOIoK6Ps=" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span class="Apple-style-span" style="color: white;"><img border="0" height="119" src="http://t1.gstatic.com/images?q=tbn:ANd9GcTits_ZUuRAn6lufvEdiypo0KY0CThhhQw8JfRkRzFHUOkK0-c&t=1&usg=__yw_yFZGeAmuo6bzb8tDzOIoK6Ps=" width="320" /></span></a></div><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;"><br />
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<div style="text-align: center;"><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="font-size: x-large;"><b><span class="Apple-style-span" style="color: white;">on</span></b></span></span></div><div class="separator" style="clear: both; text-align: center;"><a href="http://t1.gstatic.com/images?q=tbn:ANd9GcRERndnm4UXq33wzwgDI2gKC-_J0cvRYEH1SATNp9ZWHuuhXZg&t=1&usg=__CEhh36hZz3uIQagWV4sPELGVuZo=" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span class="Apple-style-span" style="color: white;"><img border="0" height="149" src="http://t1.gstatic.com/images?q=tbn:ANd9GcRERndnm4UXq33wzwgDI2gKC-_J0cvRYEH1SATNp9ZWHuuhXZg&t=1&usg=__CEhh36hZz3uIQagWV4sPELGVuZo=" width="200" /></span></a></div><div style="text-align: center;"><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="font-size: x-large;"><b><span class="Apple-style-span" style="color: white;"><br />
</span></b></span></span></div><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">Salam sumer pembaca blog aku yg aku hormati...baru2 ni aku telah pon reveal 1 teknik baru dlm Forum Carigold (<a href="http://www.carigold.com/portal/forums/showthread.php?t=153434&page=11">leh baca kt sini</a>) Sbnrnye aku plan utk reveal kt sini dulu tp xpelah, same je kan? Cume x tepat tajuk kt atas sbb x guna OD langsung! Aku rase ni la yg ramai org dok tgu2...jeng3!</span></span><br />
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<span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">Teknik yg aku ketengahkan ni memberi tumpuan kpd mereka yg xde OD tp ade kredit kad. Utk mengaplikasikan teknik korg perlukan 2 CC yg ber kredit limit atleast 3k setiap 1. Dan berpendapatan sekurang2 1500. </span></span><br />
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<div class="separator" style="clear: both; text-align: center;"><a href="http://t2.gstatic.com/images?q=tbn:SkLGoipSkVA24M:b" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><span class="Apple-style-span" style="color: white;"><img border="0" height="195" src="http://t2.gstatic.com/images?q=tbn:SkLGoipSkVA24M:b" width="200" /></span></a></div><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">Teknik ni aku wat simulasi utk saving sebulan rm100 kt ASB. So andai kate korg nk try wat lebih dari tu pon boleh. Xde mslh. Yg penting check & balance. Observe kemampuan korg jgk. </span></span><br />
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<span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">Ramai yg xtau yg dgn kredit kad kite juga bleh menyimpan. Sbb ramai yg hanya tau berbelanje pakai kredit kad. Utk pengetahuan korg, CC juga adalah salah satu tools utk saving, same gak mcm OD. Cuma character je yg berbeza. </span></span><br />
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<span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">Dlm aplikasi ni, akan menceritakan manipulation <span class="Apple-style-span" style="font-weight: bold;">20 days interest free period </span>dan juga <b>Credit Advance</b>. Dlm teknik ni jgk, aku akan explain mcmana utk eliminatekan CA kalo korg xnk. </span></span><br />
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<span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">Sbb aku x brape rajin, so aku amik je td post aku tu Forum tu. Here's how:</span></span><br />
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<blockquote><span class="Apple-style-span" style="color: white;">"bismillah, fuhhhhhhhhhhhhhh...............!</span></blockquote><blockquote style="-webkit-border-horizontal-spacing: 1px; -webkit-border-vertical-spacing: 1px;"><span class="Apple-style-span" style="color: white;"><br />
</span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 1px; -webkit-border-vertical-spacing: 1px;"><u><b><span class="Apple-style-span" style="color: white;">mula2 sediakan bhn 2 ye puan2:</span></b></u></span></span></blockquote><blockquote><span class="Apple-style-span" style="color: white;"><br />
</span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">1) duit gaji (cnth: rm2000)</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">2) Crdt kad A (limit min: 3K) - selepas ni disebut sbg CC 1</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">3) Crdt kad B (limit min: 3K) - selepas ni disebut sbg CC 2</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">4) optional: M2U utk transfer duit ke ASB, xyah beratur (kenalah bukak buku dulu) </span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">5) menyimpan sebulan rm100 (blh tkr amount simulasi ni sesedap rase..)</span></span></blockquote><blockquote><span class="Apple-style-span" style="color: white;"><br />
</span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">Bln 1:</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">gaji to asb: rm 100</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">CC 1 to gaji: rm 100 (cover balik, so gaji penuh)</span></span></blockquote><blockquote><span class="Apple-style-span" style="color: white;"><br />
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</span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">Bln 2: </span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">dpt gaji byr CC 1: rm 100</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">CC 2 to Asb: rm100</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">CC 2 to gaji: rm100</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">Summary - asb: rm200</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">CC 1: full </span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">CC 2: -200</span></span></blockquote><blockquote><span class="Apple-style-span" style="color: white;"><br />
</span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">Bln 3:</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">dpt gaji byr CC 2: rm 200</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">CC 1 to Asb: rm100</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">CC 1 to gaji: rm200</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">Summary - asb: rm300</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">CC 1: -300 </span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">CC 2: full</span></span></blockquote><blockquote><span class="Apple-style-span" style="color: white;"><br />
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</span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">Bln 4:</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">dpt gaji byr CC 1: rm 300</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">CC 2 to Asb: rm100</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">CC 2 to gaji: rm300</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">Summary - asb: rm400</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">CC 1: full </span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">CC 2: -400</span></span></blockquote><blockquote><span class="Apple-style-span" style="color: white;"><br />
</span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">Bln 5:</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">dpt gaji byr CC 2: rm 400</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">CC 1 to Asb: rm100</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">CC 1 to gaji: rm400</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">Summary - asb: rm500</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">CC 1: -500 </span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">CC 2: full</span></span></blockquote><blockquote><span class="Apple-style-span" style="color: white;"><br />
</span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">Bln 6:</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">dpt gaji byr CC 1: rm 500</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">CC 2 to Asb: rm100</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">CC 2 to gaji: rm500</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">Summary - asb: rm600</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">CC 1: -600 </span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">CC 2: full</span></span></blockquote><blockquote><span class="Apple-style-span" style="color: white;"><br />
</span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">Bln 7:</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">dpt gaji byr CC 2: rm 600</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">CC 1 to Asb: rm100</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">CC 1 to gaji: rm600</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">Summary - asb: rm700</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">CC 1: -700 </span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">CC 2: full</span></span></blockquote><blockquote><span class="Apple-style-span" style="color: white;"><br />
</span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">Bln 8:</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">dpt gaji byr CC 1: rm 700</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">CC 2 to Asb: rm100</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">CC 2 to gaji: rm700</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">Summary - asb: rm800</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">CC 1: full </span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">CC 2: -800</span></span></blockquote><blockquote><span class="Apple-style-span" style="color: white;"><br />
</span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">Bln 9:</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">dpt gaji byr CC 2: rm 800</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">CC 1 to Asb: rm100</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">CC 1 to gaji: rm800</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">Summary - asb: rm900</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">CC 1: -900 </span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">CC 2: full</span></span></blockquote><blockquote><span class="Apple-style-span" style="color: white;"><br />
</span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">Bln 10:</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">dpt gaji byr CC 1: rm 900</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">CC 2 to Asb: rm100</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">CC 2 to gaji: rm900</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">Summary - asb: rm1000</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">CC 1: full </span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">CC 2: -1000</span></span></blockquote><blockquote><span class="Apple-style-span" style="color: white;"><br />
</span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">Bln 11:</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">dpt gaji byr CC 2: rm 1000</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">CC 1 to Asb: rm100</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">CC 1 to gaji: rm1000</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">Summary - asb: rm1100</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">CC 1: -1100 </span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">CC 2: full</span></span></blockquote><blockquote><span class="Apple-style-span" style="color: white;"><br />
</span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">Bln 12:</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">dpt gaji byr CC 1: rm 1100</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">CC 2 to Asb: rm100</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">CC 2 to gaji: rm1100</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">Summary - asb: rm1200</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">CC 1: full </span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">CC 2: -1200</span></span></blockquote><blockquote><span class="Apple-style-span" style="color: white;"><br />
</span></blockquote><blockquote><div class="separator" style="clear: both; text-align: center;"><a href="http://t3.gstatic.com/images?q=tbn:ANd9GcQ4Afm_yBcqF1ii3kpo-1Aeexz1XwbDISaW79vAt77zTn47X4M&t=1&usg=__NscjRv8dUDM3_088tBecw4-Wyro=" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span class="Apple-style-span" style="color: white;"><img border="0" height="173" src="http://t3.gstatic.com/images?q=tbn:ANd9GcQ4Afm_yBcqF1ii3kpo-1Aeexz1XwbDISaW79vAt77zTn47X4M&t=1&usg=__NscjRv8dUDM3_088tBecw4-Wyro=" width="200" /></span></a></div><span class="Apple-style-span" style="color: white;"><br />
</span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><b><u><span class="Apple-style-span" style="color: white;">Kebaikan:</span></u></b></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">1) menyimpan tanpa meluakkan duit gaji anda </span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">2) sekiranya krdt limit anda lg tinggi, saving la lebih dr 100/month</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">3) korg leh teruskan smpi kredit dah limit, then cover balik dgn dividen*</span></span></blockquote><blockquote><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">4) cara merempit ni lebih sedap kalo ade kombinasi ASB Loan (100K) & Personal Loan (10K)**</span></span></blockquote><div class="separator" style="clear: both; text-align: center;"></div><div class="separator" style="clear: both; text-align: center;"><a href="http://t2.gstatic.com/images?q=tbn:ANd9GcR6tjGaEBKtXt-obBradQf4m5cHr3Ov6xZtln61ppPPSTomNXI&t=1&usg=__MUws832Wmbeuoy3khFDNGeS6j_E=" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span class="Apple-style-span" style="color: white;"><img border="0" src="http://t2.gstatic.com/images?q=tbn:ANd9GcR6tjGaEBKtXt-obBradQf4m5cHr3Ov6xZtln61ppPPSTomNXI&t=1&usg=__MUws832Wmbeuoy3khFDNGeS6j_E=" /></span></a></div><span class="Apple-style-span" style="color: white;"> <b><u> <span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;">Keburukan:</span></u></b></span><br />
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<ol><li><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">Bg mereka yg menggunakan CA CC, korg akan di charge mengikut charges CC anda, ade juga CC yg akan di charge Daily Interest based on Credit Advance (check interest kad kredit anda. <u>P/s: ada cara utk eliminate, truskan membaca</u>) </span></span></li>
<li><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">Sekiranya anda ade ASB Loan, mmg cantik (what ever amount), tp kalo xde, alangkah ruginye sbb anda hanya menyimpan rm100/sbln ~ setahun rm1200. Dividennye if 7% baru rm84.</span></span></li>
<li><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">Korg akan dpt additional interest bile korg x follow closely. Kelewatan pembayaran & partial pymt akan dikenakan interest! Hati2, especially for those yg slalu dpt gaji lmbt.</span></span></li>
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<div class="separator" style="clear: both; text-align: center;"><a href="http://thumbs.dreamstime.com/thumblarge_122/1171633495w0G6A0.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><span class="Apple-style-span" style="color: white;"><img border="0" height="200" src="http://thumbs.dreamstime.com/thumblarge_122/1171633495w0G6A0.jpg" width="200" /></span></a></div><span class="Apple-style-span" style="color: white;"><br />
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<span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 1px; -webkit-border-vertical-spacing: 1px;"><b><u><span class="Apple-style-span" style="color: white;">info tambahan, kalo nk elak kan CA Fees:</span></u></b></span></span><br />
<span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 1px; -webkit-border-vertical-spacing: 1px;"><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 1px; -webkit-border-vertical-spacing: 1px;"><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">1) utk elak kan cash advance, korg leh la swipe je utk penggunaan harian. cnth, kalo blnje petrol + blnje dapur + topup + rokok + dll (yg mane2 leh swipe la) dlm rm1000</span></span></span><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 1px; -webkit-border-vertical-spacing: 1px;"><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 1px; -webkit-border-vertical-spacing: 1px;"><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 1px; -webkit-border-vertical-spacing: 1px;"><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">2) dgn cara ni, korg x tak akan dikenakan interest</span></span></span><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 1px; -webkit-border-vertical-spacing: 1px;"><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;"> </span></span></span><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 1px; -webkit-border-vertical-spacing: 1px;"><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 1px; -webkit-border-vertical-spacing: 1px;"><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 1px; -webkit-border-vertical-spacing: 1px;"><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">3) cara yg ke 2: kalo ade memember yg ade kedai especially ade mesin kredit kad. leh la try swipe cash kt die..ni biase diorg wat secara underground, xnk bg bank tau. Cuma cam lbh kurang sbb bile swipe cash, merchant akan cas korg dlm beberape %, less than 5% lah.</span></span></span><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 1px; -webkit-border-vertical-spacing: 1px;"><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;"> </span></span></span><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 1px; -webkit-border-vertical-spacing: 1px;"><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span><br />
<span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 1px; -webkit-border-vertical-spacing: 1px;"><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;"><span class="Apple-style-span" style="color: white;">4) ok, utk dividen tu plak, x besar pon. Dlm 7% x 1200. So x besar kan? Ade cara nk bg besar, nnt aku cite lg..as I said, kene ade kombinasi PL & AsbLoan. </span></span></span><br />
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</span></span>rocketeer999http://www.blogger.com/profile/08110586064727526462noreply@blogger.com6tag:blogger.com,1999:blog-64562109752776740.post-89619146274419838722010-11-02T15:21:00.002+08:002010-11-15T20:09:43.433+08:00Article Pilihan: 9 Barangan Mewah drp Emas!<div style="font-family: 'Trebuchet MS', sans-serif; font-size: 10pt; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 5px; padding-left: 10px; padding-right: 10px; padding-top: 5px;"><span class="Apple-style-span" style="color: white;">Emas dari dulu sehingga kini adalah simbol kemewahan, simbol taraf sosial, simbol kekayaan seseorang.. jika dahulu firaun membina menara emas, Abu Jahal menjual patung emas, Qarun mempunyai Gudang Emas, kegilaan mereka tidak terkubur bersama fizikal mereka didalam tanah, kegilaan itu tetap diwariskan anak cucu moyang mereka di zaman serba canggih ini. Berikut adalah barang2 mewah yang dihasilkan dari kegilaan manusia pada emas sebagai lambang kemewahan dan taraf sosial.</span></div><div style="font-family: 'Trebuchet MS', sans-serif; font-size: 10pt; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 5px; padding-left: 10px; padding-right: 10px; padding-top: 5px;"><span class="Apple-style-span" style="color: white;">1. Posche 911 ini dimiliki oleh jutawan Rusia, bodinya dihasilkan dari 40 pound emas 24 karat, bahagian dalamnya dihasilkan menggunakan emas 22 karat, bodi, stering, rims, aci pintu juga dihasilkan menggunakan emas. Tempat paling selamat untuk parking kereta ini adalah di Bilik Kebal bank.</span></div><div class="separator" style="clear: both; text-align: center;"><a href="http://www.hargaemas.com.my/wp-content/uploads/2010/06/a96710_a464_porsche-copy.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span class="Apple-style-span" style="color: white;"><img border="0" height="320" src="http://www.hargaemas.com.my/wp-content/uploads/2010/06/a96710_a464_porsche-copy.jpg" width="301" /></span></a></div><div style="font-family: 'Trebuchet MS', sans-serif; font-size: 10pt; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 5px; padding-left: 10px; padding-right: 10px; padding-top: 5px;"><span class="Apple-style-span" style="color: white;">2. Nintendo wii ini dihasilkan dari emas 22karat dan berharga sekitar usd490k, sebelum ini ps3 dari emas pun turut dihasilkan dan dijua</span><br />
<a name='more'></a><span class="Apple-style-span" style="color: white;">l pada harga usd320k di amerika. </span></div><div class="separator" style="clear: both; text-align: center;"><a href="http://www.hargaemas.com.my/wp-content/uploads/2010/06/a96710_a464_golden-nintendo-wi.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span class="Apple-style-span" style="color: white;"><img border="0" height="258" src="http://www.hargaemas.com.my/wp-content/uploads/2010/06/a96710_a464_golden-nintendo-wi.jpg" width="320" /></span></a></div><div style="font-family: 'Trebuchet MS', sans-serif; font-size: 10pt; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 5px; padding-left: 10px; padding-right: 10px; padding-top: 5px;"><span class="Apple-style-span" style="color: white;">3. Basikal emas bersalut emas 22karat ini digunakan oleh James Bond dan dikenali sebagai Goldfixie</span></div><div class="separator" style="clear: both; text-align: center;"><a href="http://www.hargaemas.com.my/wp-content/uploads/2010/06/a96710_a464_bike-copy.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span class="Apple-style-span" style="color: white;"><img border="0" height="320" src="http://www.hargaemas.com.my/wp-content/uploads/2010/06/a96710_a464_bike-copy.jpg" width="232" /></span></a></div><div style="font-family: 'Trebuchet MS', sans-serif; font-size: 10pt; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 5px; padding-left: 10px; padding-right: 10px; padding-top: 5px;"><span class="Apple-style-span" style="color: white;">4. Gold Desert bertahtahkan emas ini dihasilkan oleh Stephen Bruce di Restoran miliknya Serendipity 3 atau lebih dikenali sebagai “Restaurant I Won’t Be Taking My Girlfriend to For Her Birthday” berharga sekitar usd25k, ia dihasilkan menggunakan emas 23karat, aiskrim dicelup emas 20karat, diamond dan truffle. (mengikut kajian, isotop emas boleh meningkatkan kesan kanser dalam darah)</span></div><div class="separator" style="clear: both; text-align: center;"><a href="http://www.hargaemas.com.my/wp-content/uploads/2010/06/a96710_a464_serendipity_frrrozen_ha.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span class="Apple-style-span" style="color: white;"><img border="0" height="214" src="http://www.hargaemas.com.my/wp-content/uploads/2010/06/a96710_a464_serendipity_frrrozen_ha.jpg" width="320" /></span></a></div><div style="font-family: 'Trebuchet MS', sans-serif; font-size: 10pt; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 5px; padding-left: 10px; padding-right: 10px; padding-top: 5px;"><span class="Apple-style-span" style="color: white;">5. Tandas termahal di dunia terletak di Hong Kong. Dibina pada tahun 2001, seluruh tandas ini dibina menggunakan sebanyak 380kg emas 24karat dan 6200 gemstones. semua bahagian tandas dari mangkuk, pam, baldi pun dihasilkan dari emas, ia berharga HK $ 38 juta ketika dibina dan sekarang bernilai HK $ 80 juta.</span></div><div class="separator" style="clear: both; text-align: center;"><a href="http://www.hargaemas.com.my/wp-content/uploads/2010/06/goldToilet.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span class="Apple-style-span" style="color: white;"><img border="0" height="213" src="http://www.hargaemas.com.my/wp-content/uploads/2010/06/goldToilet.jpg" width="320" /></span></a></div><div style="font-family: 'Trebuchet MS', sans-serif; font-size: 10pt; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 5px; padding-left: 10px; padding-right: 10px; padding-top: 5px;"><span class="Apple-style-span" style="color: white;">6. Kotak PC dihasilkan dari emas dan platinum ini dihasilkan oleh Zeus Computer berpangkalan di Tokyo. Kotak PC platinum (jupiter) berharga sekitar 80 juta yen (RM2.45m), manakala untuk kotak PC emas (Mars) berharga 60 juta yen (RM1.84m). Ia dilengkapi dengan 3Ghz Processor Core2 duo, GeForce 7200 dan 2G RAM.</span></div><div class="separator" style="clear: both; text-align: center;"><a href="http://www.hargaemas.com.my/wp-content/uploads/2010/06/zeus_computer.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span class="Apple-style-span" style="color: white;"><img border="0" height="131" src="http://www.hargaemas.com.my/wp-content/uploads/2010/06/zeus_computer.jpg" width="320" /></span></a></div><div style="font-family: 'Trebuchet MS', sans-serif; font-size: 10pt; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 5px; padding-left: 10px; padding-right: 10px; padding-top: 5px;"><span class="Apple-style-span" style="color: white;">7. Sstroller bayi bersalut emas ini dijual di Harrods dengan harga UK6000 (RM30k) ia dilengkapi dengan sistem bunyi dan kain baldu. Semua bahagian stroller termasuk roda, badan dan bumbung juga dihasilkan dari emas 24karat</span></div><div class="separator" style="clear: both; text-align: center;"><a href="http://www.hargaemas.com.my/wp-content/uploads/2010/06/a96710_a464_pram_gold_plated.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span class="Apple-style-span" style="color: white;"><img border="0" height="304" src="http://www.hargaemas.com.my/wp-content/uploads/2010/06/a96710_a464_pram_gold_plated.jpg" width="320" /></span></a></div><div style="font-family: 'Trebuchet MS', sans-serif; font-size: 10pt; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 5px; padding-left: 10px; padding-right: 10px; padding-top: 5px;"><span class="Apple-style-span" style="color: white;">8. Tobias Wong, seorang designer yang mesra dipanggil “man who turn everything into object” telah mencipta item emas berbentuk kapsul dari emas 24karat, Menurut beliau, kapsul ini digunakan untuk menaikkan harga diri kita, dengan menelan kapsul ini anda baru saja menaikkan harga diri anda sebanyak RM1400.00. Kapsul ini boleh dibeli di internet.</span></div><div class="separator" style="clear: both; text-align: center;"><a href="http://www.hargaemas.com.my/wp-content/uploads/2010/06/gold_leaf_capsules.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span class="Apple-style-span" style="color: white;"><img border="0" height="214" src="http://www.hargaemas.com.my/wp-content/uploads/2010/06/gold_leaf_capsules.jpg" width="320" /></span></a></div><div style="font-family: 'Trebuchet MS', sans-serif; font-size: 10pt; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 5px; padding-left: 10px; padding-right: 10px; padding-top: 5px;"><span class="Apple-style-span" style="color: white;">9. Jika anda penulis ebook terkaya, pakar forex, dan seorang yang mementingkan kemewahan, anda boleh order dari Sakura Kazo di Jepun sebuah keyboard bersalut emas pada harga USD275 (RM900), keyboard ini disadur dengan emas 24karat dan tidak memerlukan driver untuk diinstall pada komputer dan menggunakan ruang USB untuk disambungkan ke komputer peribadi anda.</span></div><div class="separator" style="clear: both; text-align: center;"><a href="http://www.hargaemas.com.my/wp-content/uploads/2010/06/gold-leaf-keyboard.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span class="Apple-style-span" style="color: white;"><img border="0" height="240" src="http://www.hargaemas.com.my/wp-content/uploads/2010/06/gold-leaf-keyboard.jpg" width="320" /></span></a></div><div style="font-family: 'Trebuchet MS', sans-serif; font-size: 10pt; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 5px; padding-left: 10px; padding-right: 10px; padding-top: 5px;"><span class="Apple-style-span" style="color: white;"><br />
</span></div><div style="font-family: 'Trebuchet MS', sans-serif; font-size: 10pt; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 5px; padding-left: 10px; padding-right: 10px; padding-top: 5px;"><span class="Apple-style-span" style="color: white;"><br />
</span></div><div style="font-family: 'Trebuchet MS', sans-serif; font-size: 10pt; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 5px; padding-left: 10px; padding-right: 10px; padding-top: 5px;"><span class="Apple-style-span" style="color: white;">kredit to Harga Emas, thx!</span></div>rocketeer999http://www.blogger.com/profile/08110586064727526462noreply@blogger.com0tag:blogger.com,1999:blog-64562109752776740.post-41627532318025284662010-11-01T21:16:00.003+08:002011-01-28T23:25:05.657+08:00Investment Emas Pt 1<div class="separator" style="clear: both; text-align: center;"><a href="http://t0.gstatic.com/images?q=tbn:ANd9GcRhb_n2q7T_LijclyeuT3cpjc2WqDMxhGPgw9ORpevzl0m7wxw&t=1&usg=__72DpClwNFossZWy554FUkRVxILA=" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span class="Apple-style-span" style="color: white;"><img border="0" height="156" src="http://t0.gstatic.com/images?q=tbn:ANd9GcRhb_n2q7T_LijclyeuT3cpjc2WqDMxhGPgw9ORpevzl0m7wxw&t=1&usg=__72DpClwNFossZWy554FUkRVxILA=" width="320" /></span></a></div><span class="Apple-style-span" style="color: white;">Emas atau name saintifiknye Aurum, dlm jadual berkala sudah kite sedia maklum. Emas yg unsur lembut, bertindak sebagai konduktor elektrik terbaik (byk digunakan dlm microprocessor, boards etc), digunakan dlm perubatan (pergigian, kosmetik, etc) dan juga industri2 lain. OK. Cukup pengenalan emas ni. Sbb ramai yg dah citer, so aku pon malas nk citer lg. Korg leh google sendiri la ye. Antara site2 yg aku suggest utk ilmu emas ni:</span><br />
<div class="separator" style="clear: both; text-align: center;"><a href="http://t2.gstatic.com/images?q=tbn:ANd9GcQeZz_tFKbKeIklDH_P_1Gmd0_1gK-t0Vl9eyCcaTlGf5_talo&t=1&usg=__cEfWPZdU0Tx4U2WG0hDkQSpKs9E=" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span class="Apple-style-span" style="color: white;"><img border="0" src="http://t2.gstatic.com/images?q=tbn:ANd9GcQeZz_tFKbKeIklDH_P_1Gmd0_1gK-t0Vl9eyCcaTlGf5_talo&t=1&usg=__cEfWPZdU0Tx4U2WG0hDkQSpKs9E=" /></span></a></div><span class="Apple-style-span" style="color: white;"><br />
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<span class="Apple-style-span" style="color: white;">1. <a href="http://jutawanemas.com/v1/">Jutawanemas</a></span><br />
<span class="Apple-style-span" style="color: white;">2. <a href="http://www.hargaemas.com.my/">HafizJewel</a></span><br />
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<span class="Apple-style-span" style="color: white;">Ok, so basically, aku just nk share ape yg aku dah practice je la. Yg kebykkannye dr hasil pembacaan aku ke blog2, experiences aku, experience org lain, table talk (TT) dll lah.</span><br />
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<span class="Apple-style-span" style="color: white;">Orait, utk post kali ini, kite akan menceritakan <b>Ape Itu Pelaburan Dlm Emas?</b></span><br />
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<ul><li><span class="Apple-style-span" style="color: white;">Emas adalah penyimpan kekayaan, sumer org tau. Tp ini adalah konsep yg sebetulnye. Just menyimpan kekayaan. Org2 dulu trading pakai emas sehinggalah wang kertas @ fiat diperkenalkan. So, diorg simpan duit dlm emas dulu. Part ni korg kene phm btl2, emas tu sendiri bkn pelaburan! Kenapa? Ok, aku jawab ye:</span></li>
<ul><a href="http://t0.gstatic.com/images?q=tbn:ANd9GcSjqSE-4zMYg-qdnZ9bzKPlzdSarSYxziIsKogfrILmwexznYw&t=1&h=167&w=167&usg=__rc4HS7-nNs20kPzorcjsct4Iq0I=" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><span class="Apple-style-span" style="color: white;"><img border="0" src="http://t0.gstatic.com/images?q=tbn:ANd9GcSjqSE-4zMYg-qdnZ9bzKPlzdSarSYxziIsKogfrILmwexznYw&t=1&h=167&w=167&usg=__rc4HS7-nNs20kPzorcjsct4Iq0I=" /></span></a>
<li><b><span class="Apple-style-span" style="color: white;">Emas xde dividen</span></b><span class="Apple-style-span" style="color: white;">: hanya nilai je yg naik mcm rumah jgk. So, bile ade 50gm yg bernilai rm2000, 5,6 thn akan dtg dah jd rm7400. Kalo jual abis la, kene beli lain. Time tu harga dah mahal, so beli ape yg ko untung. At the end, zero jgk btl x? </span></li>
<li><b><span class="Apple-style-span" style="color: white;">Emas sebagai Komoditi</span></b><span class="Apple-style-span" style="color: white;">: Komoditi bkn Kodomo Lion. Itu ubat gigi. Komoditi ni brg la. Bile brg, kene beli. Cnth brg siap emas adalah jewellery, microprocessor dll. Kalo dah beli utk pakai/guna, cmne nk invest? Mgkn kecuali terdesak la.</span></li>
<li><b><span class="Apple-style-span" style="color: white;">Emas sebagai Matawang/Currency</span></b><span class="Apple-style-span" style="color: white;">: Bahase mudah guna brg utk beli brg. Jd kalo convert duit korg kpd emas utk beli brg, ape ceritenye? Same je kan? Tmbh keje je la. Nk pulak emas ni terhad, makin lame makin payah nk dpt, mgkn sbb nilainye yg semakin tinggi & 1 lg sbb makin lame makin kite korek.</span></li>
</ul><li><span class="Apple-style-span" style="color: white;">Ok, cukup la tu, mesti korg pikir, so emas ni bknla pelaburan???? Jawapannye <b>YE & TIDAK</b>. Tidak kerana emas tu sendiri brg @ komoditi, YE plak kerana nilainya yg kite laburkan. Pening? haha..</span></li>
<li><span class="Apple-style-span" style="color: white;">So, konsep yg sebenar adalah Nilai Emas tu yg kite laburkan. Bkn emas tu. </span></li>
<li><span class="Apple-style-span" style="color: white;">Pelaburan Nilai Emas yg paling basic adalah, beli & simpan. Jual bile harga dah tinggi. So, nilainye yg kite main kt situ, kan?</span></li>
<li><span class="Apple-style-span" style="color: white;">Pelaburan Emas terbahagi kpd 3 iaitu <u><b>Pelaburan Jangka Pendek, Jangka Sederhana & Jangka Panjang</b></u></span></li>
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</span></u></b></div><div><b><u><span class="Apple-style-span" style="color: white;">Pelaburan Emas Jangka Pendek</span></u></b></div><div><ul><li><span class="Apple-style-span" style="color: white;">Selalunye dlm mase 3 ~ 6 bulan, 6 ~ 12 bulan </span></li>
<li><span class="Apple-style-span" style="color: white;">Sesuai utk org yg nk untung cepat (tp ingat, dlm pelaburan xde istilah shortcut)</span></li>
<li><span class="Apple-style-span" style="color: white;">Antara cara utk mendapatkan keuntungan dr emas jangka pendek adalah:</span></li>
<div class="separator" style="clear: both; text-align: center;"></div><div class="separator" style="clear: both; text-align: center;"><a href="http://t2.gstatic.com/images?q=tbn:ANd9GcR7O7yvDrLtkqvC1wnfkVMy5z_4hGtoiGyhqCMfKfbEoDnKRPw&t=1&usg=__lB55v63SKPdbGGbwe758pYomNFs=" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><span class="Apple-style-span" style="color: white;"><img border="0" src="http://t2.gstatic.com/images?q=tbn:ANd9GcR7O7yvDrLtkqvC1wnfkVMy5z_4hGtoiGyhqCMfKfbEoDnKRPw&t=1&usg=__lB55v63SKPdbGGbwe758pYomNFs=" /></span></a></div><ul><li><b><span class="Apple-style-span" style="color: white;">Main forex GOLD:</span></b><span class="Apple-style-span" style="color: white;"> kalo pandai main, setiap minggu bleh withdraw 4,5 angka</span></li>
<li><b><span class="Apple-style-span" style="color: white;">Beli, Simpan, Jual: </span></b><span class="Apple-style-span" style="color: white;">Dlm tempoh mase yg singkat </span></li>
<li><b><span class="Apple-style-span" style="color: white;">Pelaburan Emas Yg Menjanjikan Untung Setiap Bulan: </span></b><span class="Apple-style-span" style="color: white;">Ini paling bahaya. Sebaiknye jgn join, byk company2 spt Etika Emas, E-gold, Permata XXX (aku lupe), Afagold sume dah diserbu oleh KPDNKK & didapati bersalah kerana Mengambil Deposit dr Org Ramai</span></li>
</ul><li><span class="Apple-style-span" style="color: white;">Normally, korg akan dpt la untung dlm rm300/month - fix! kalo join yg no. 3 tu...yg lain bergantung kpd keadaan & waktu </span></li>
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</span></div></div><div><b><u><span class="Apple-style-span" style="color: white;">Pelaburan Emas Jangka Sederhana</span></u></b></div><div><ul><li><span class="Apple-style-span" style="color: white;">Tempoh mase: 1 thn ~ 3 thn</span></li>
<li><span class="Apple-style-span" style="color: white;">Sesuai utk org yg ade target tertentu spt nk kawin, nk wat deposit beli rumah ke, sesaje ke, yg penting nilai emas tu naik lebih drp nilai belian </span></li>
<li><span class="Apple-style-span" style="color: white;">Antara cara utk mendapatkan keuntungan dr jual beli emas jangka sederhana ialah:</span></li>
<ul><li><b><span class="Apple-style-span" style="color: white;">Jd ejen pemasaran: </span></b><span class="Apple-style-span" style="color: white;">Ni paling mudah la, modal pon x besar. Tgk pada company emas yg korg join tu la. Setiap company ade pakej pemasaran masing2. Leh la dpt untung tlg jualkan emas, ade yg offer 1.5% drp harga jualan, ade yg offer rm1/gm & mcm2 lg la. Dgn menjadi subdealer ni, ko akan juga berpeluang utk jd dealer ke, master dealer ke dll lah. Ade sale, ade la income everymonth, nk everyday pon boleyyy, beli kt kedai. Pilih je saiz AA ke, AAA ke hehehe...gurau2 je, jgn le marah</span></li>
<li><b><span class="Apple-style-span" style="color: white;">Beli, Simpan, Jual: </span></b><span class="Apple-style-span" style="color: white;">Dlm tempoh mase spt di atas la, ikut AIM korg. <a href="http://goldentainment.blogspot.com/2010/10/for-apple-b-for-boy-tu-dulu-boleh.html">Ingat lg citer pasal Aim?</a></span></li>
<li><b><span class="Apple-style-span" style="color: white;">Jual Emas & Dpt Duit Setiap Bulan: </span></b><span class="Apple-style-span" style="color: white;">Yg ni akan diceritakan dlm post yg berlainan</span></li>
<li><b><span class="Apple-style-span" style="color: white;">Merempit Emas: </span></b><span class="Apple-style-span" style="color: white;">Hoh! Emas pon ade rempit gak? Aritu ASB! Ade...ni pon aku akan citer dlm post yg berlainan. Mgkn korg kt luaar sane pon kebykannye dah tau. Xpe. </span></li>
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</span></div></div><div><b><u><span class="Apple-style-span" style="color: white;">Pelaburan Jangka Panjang</span></u></b></div><div><ul><li><span class="Apple-style-span" style="color: white;">Tempoh mase: Tidak terhad, 3thn ke atas </span></li>
<li><span class="Apple-style-span" style="color: white;">Sesuai bg mereka yg ade resources yg byk (duit, asset, capability, knowledge yg cukup, tools)</span></li>
<li><span class="Apple-style-span" style="color: white;">Dgn jangka masa panjang juga mereka boleh untung setiap bulan! Bahkan setiap hari!</span></li>
<li><span class="Apple-style-span" style="color: white;">Boleh juga dgn menggunakan kombinasi jangka pendek & sederhana! </span></li>
<li><span class="Apple-style-span" style="color: white;">Antara cara yg digunakan ialah:</span></li>
<div class="separator" style="clear: both; text-align: center;"><a href="http://t3.gstatic.com/images?q=tbn:ANd9GcSz-pYBFjuQ__ezR8XO3rArfNughTvRtFlRjnMGgO4qoq9FqZA&t=1&usg=__JgRqGtOHfaNl0tkyCVbnlfYR16s=" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><span class="Apple-style-span" style="color: white;"><img border="0" height="149" src="http://t3.gstatic.com/images?q=tbn:ANd9GcSz-pYBFjuQ__ezR8XO3rArfNughTvRtFlRjnMGgO4qoq9FqZA&t=1&usg=__JgRqGtOHfaNl0tkyCVbnlfYR16s=" width="320" /></span></a></div><ul><li><b><span class="Apple-style-span" style="color: white;">Merempit emas</span></b></li>
<li><b><span class="Apple-style-span" style="color: white;">Beli, Simpan, Jual:</span></b><span class="Apple-style-span" style="color: white;"> Dlm tempoh mase yg lame lah</span></li>
<li><b><span class="Apple-style-span" style="color: white;">Menjadi Ejen Jualan</span></b></li>
<li><b><span class="Apple-style-span" style="color: white;">Main Forex GOLD/XAU</span></b></li>
<li><b><span class="Apple-style-span" style="color: white;">Menjual Emas Keluaran Sendiri: </span></b><span class="Apple-style-span" style="color: white;">ni korg bygkan Habib Jewel, Public Gold ke, GCP ke...dan ade penah nmpk kedai emas bungkus? </span></li>
<li><b><span class="Apple-style-span" style="color: white;">Buat buku, ebook etc : </span></b><span class="Apple-style-span" style="color: white;">Dgn cara ni, bukan je duit (untung, royalti) korg dpt berterusan, tp pahala kerana ilmu yg kite share tu org manfaatkan & memberi kebaikan pd org lain secara berterusan.</span></li>
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</span></div></div><div><span class="Apple-style-span" style="color: white;">So, rumusannya:</span></div><div><div class="separator" style="clear: both; text-align: center;"><a href="http://t2.gstatic.com/images?q=tbn:ANd9GcSA0ZwE_Y8HxLs9pafF5hg3R_XW-t-cDaf0T1Oc87aeculVRYY&t=1&usg=__Tb38BwkO-d9J1bl1nOc2235tKs0=" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><span class="Apple-style-span" style="color: white;"><img border="0" src="http://t2.gstatic.com/images?q=tbn:ANd9GcSA0ZwE_Y8HxLs9pafF5hg3R_XW-t-cDaf0T1Oc87aeculVRYY&t=1&usg=__Tb38BwkO-d9J1bl1nOc2235tKs0=" /></span></a></div><ol><li><b><span class="Apple-style-span" style="color: white;">Tetapkan target sendiri dulu</span></b><span class="Apple-style-span" style="color: white;"> - samada korg lebih sesuai main jangka pendek ke, sederhana ke, panjang ke...</span></li>
<li><b><span class="Apple-style-span" style="color: white;">Check Ability anda</span></b><span class="Apple-style-span" style="color: white;"> - Ability ni kemampuan lah, samada ade modal kecik ke, modal beso ke, ilmu byk ke, ilmu sikit ke kan? Mase pon penting gak. Ade ke mase nk jual sane sini? Bleh ke spend mase ujung minggu jumpe customer sumer? Aku setuju cakap Sifu Shukor Jutawanemas mase aku mula2 beli emas dgn die dulu. Pelaburan yg paling untung adalah pelaburan ilmu. Tp untung yg sebenar adalah apebile kite buat & laksanakan. Kalo stakat beli, g seminar tp x buat xleh jgk</span></li>
<li><b><span class="Apple-style-span" style="color: white;">Jgn ikut org:</span></b><span class="Apple-style-span" style="color: white;"> Wat homework skit terhadap ape2 pelaburan yg korg minat, jgn main ikutttttt je. Esk salahkan org. Ade jgk aku jumpe cikgu2 emas ni, knowledge biase2 je, tp tarik org suruh beli, jd sub dealer die, beli ebook org & terbitkan semula mcm die la founder buku tu. Ade...bkn ade. Aku dah jumpe...</span></li>
<li><b><span class="Apple-style-span" style="color: white;">Network: </span></b><span class="Apple-style-span" style="color: white;">Ni penting. Mase aku keje sbg Markerting Agent kt Ambank dulu, ade 1 quote yg berbunyi <i>"The Power of Referral" </i>maksudnye Kuase Referral. Konsepnye mudah, dgn 1 referrance, leh dpt 2, dgn 2 leh dpt 4, dgn 4 leh dpt 16 dan seterusnya. Berkerja dlm kumpulan & bertukar2 info. Manfaatkan kelebihan team kite. Dlm team, ade yg pandai cakap, ade yg x pandai ckp tp cekap math, ade yg sumer x reti tp byk duit, mgkn jgk die ade kete so leh le korg carpool. So, dgn kwn2 ni td, kite akan dpt belajar bende2 baru, reference baru. </span></li>
</ol><div><span class="Apple-style-span" style="color: white;"><br />
</span></div></div><div><span class="Apple-style-span" style="color: white;">Utk berjaya, kite kene tolak tepi alasan. Ikut korg le nk berjaya dgn cara ape, MLM ke, jual insuran ke kerana ade org leh berjaya jgk. Pokok pangkalnye pade diri sendiri, manfaatkan ape yg ade dulu. Usia muda jgn siakan, setiap 1 jln yg kite amik, ade 10 selekoh lg menunggu. Persediaan tu penting. Risk is always there. Jgn tkt utk menimba ilmu & nilai ilmu td berguna @ tak. Jgn main cedok je..</span></div><div><span class="Apple-style-span" style="color: white;"><br />
</span></div><div><span class="Apple-style-span" style="color: white;">Tu je lah, aku pon bkn hustler sgt, like I said, just sharing my experiences, other experiences that i've observed & knowledge that i know. This blog is welcoming any comments, infos that can be shared by others. X rugi pon berkongsi ni. Untung lg ade la</span></div>rocketeer999http://www.blogger.com/profile/08110586064727526462noreply@blogger.com0tag:blogger.com,1999:blog-64562109752776740.post-56182051278506301202010-10-29T00:10:00.000+08:002010-10-29T00:10:08.278+08:00i-rich diserbu<object height="385" width="480"><param name="movie" value="http://www.youtube.com/v/EyMD6NmRfHo?fs=1&hl=en_US"></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="http://www.youtube.com/v/EyMD6NmRfHo?fs=1&hl=en_US" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="480" height="385"></embed></object><br />
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salam sumer, saje nk share info terkini yg baru aku dpt. <a href="http://carigold.com/portal/forums/showthread.php?t=123155">I-rich</a> telah diserbu. Sumer yg ditahan berumur antara 20~40.<br />
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Ape kesudahan agaknya company2 cmni ye? hmmmmm.....ape pon, bagi yg x masuk lg, bagus la. Yg dah join, mungkin bkn rezeki korg @ mgkn rezeki korg x lame. Tuhan nk tarik balik tu kejap je. Mgkn korg btol, mgkn salah. Apepon still dlm siasatan lg kan?<br />
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Well, wish u all the best. Bg aku, there is no short cut to be rich...peacerocketeer999http://www.blogger.com/profile/08110586064727526462noreply@blogger.com0tag:blogger.com,1999:blog-64562109752776740.post-53465929656695449062010-10-28T06:38:00.001+08:002010-11-15T20:11:09.025+08:00Article Pilihan: Rahsia sukses Org Jepon<span class="Apple-style-span" style="color: white;">Boring2 study utk exam sabtu ni, aku wat beberape carian ilmiah skit. So, jumpe la info yg agak leh kite share bersama. Utk manfaat bersama pun..Anyway, ade sesape ni pernah skolah kt Sek Men Teknik Klang? Kalo korg ingat balik, everyday ade morning exercise kan? Mula2 aku blaja exercise ni, nangis2 aku tahan gelak...hahaha...sesape yg keje company jepon tu tau laa..yg x tau layan je clip video ni....</span><br />
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<span class="Apple-style-span" style="color: white;">hahhhahhahahha....dah puas gelak? ok kite sambung cite kite pasal rahsia sukses org jepun ni ye...</span><br />
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<u><b><span class="Apple-style-span" style="color: yellow;">1. <span class="Apple-style-span" style="font-family: Arial, Verdana; font-size: 14px; line-height: 20px;">KERJA KERAS</span></span></b></u><br />
<div style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #474747; font-family: inherit; font-size: 14px; font-style: inherit; font-weight: inherit; line-height: 20px; margin-bottom: 10px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"></div><table cellpadding="0" cellspacing="0" class="tr-caption-container" style="color: #474747; float: right; font-family: Arial, Verdana; font-size: 14px; line-height: 20px; margin-left: 1em; text-align: right;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhZwQg83Lh6ZxwWGT8xRbw5qO0CndphZcBkI0dLiYMVSuU_k_EJsGCDHu95WVfeDIJqLPN6g01tSCzSQwiVKmLIGvUcuNTnJIhuJYTF1nYznJU1LOCsTBEtq1B5rWRxv5aQmjNcYGqadw/s320/Monta+Mino+Record.jpg" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhZwQg83Lh6ZxwWGT8xRbw5qO0CndphZcBkI0dLiYMVSuU_k_EJsGCDHu95WVfeDIJqLPN6g01tSCzSQwiVKmLIGvUcuNTnJIhuJYTF1nYznJU1LOCsTBEtq1B5rWRxv5aQmjNcYGqadw/s320/Monta+Mino+Record.jpg" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><a href="http://www.worldamazingrecords.com/2008/06/most-hours-on-live-tv-in-one-week.html">Rekod Dunia Manusia Paling Sibuk dipegang Oleh Monta Mino</a> </td></tr>
</tbody></table><div style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-family: inherit; font-size: 14px; font-style: inherit; font-weight: inherit; line-height: 20px; margin-bottom: 10px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span class="Apple-style-span" style="color: white;">Sudah menjadi rahasia umum bahwa bangsa Jepun adalah pekerja keras. Rata-rata jam kerja pegawai di Jepun adalah 2450 jam/tahun, sangat tinggi dibandingkan dengan Amerika (1957 jam/tahun), Inggris (1911 jam/tahun), Jerman (1870 jam/tahun), dan Perancis (1680 jam/tahun). Seorang pegawai di Jepun mampu menghasilkan sebuah kereta dalam 9 hari, sedangkan pegawai di negara lain memerlukan 47 hari untuk membuat kereta yang bernilai sama. Seorang pekerja Jepun boleh dikatakan mampu melakukan pekerjaan yang biasanya dikerjakan oleh 5-6 orang. Pulang cepat adalah sesuatu yang boleh dikatakan “agak memalukan” di Jepun, dan menandakan bahwa pegawai tersebut termasuk “yang tidak diperlukan” oleh perusahaan.</span></div><div style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #474747; font-family: inherit; font-size: 14px; font-style: inherit; font-weight: inherit; line-height: 20px; margin-bottom: 10px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><br />
</div><div style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-family: inherit; font-size: 14px; font-style: inherit; line-height: 20px; margin-bottom: 10px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><u><b><span class="Apple-style-span" style="color: yellow;">2. <span class="Apple-style-span" style="font-family: Arial, Verdana;">MALU</span></span></b></u></div><span class="Apple-style-span" style="color: #474747; font-family: Arial, Verdana; font-size: 14px; line-height: 20px;"></span><br />
<div style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-family: inherit; font-size: 14px; font-style: inherit; font-weight: inherit; margin-bottom: 10px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span class="Apple-style-span" style="font-family: Arial, Verdana; font-size: 14px; line-height: 20px;"><span class="Apple-style-span" style="color: white;">Malu adalah budaya leluhur dan turun temurun bangsa Jepun. Harakiri (bunuh diri dengan menusukkan pisau ke perut) menjadi ritual sejak era samurai, yaitu ketika mereka kalah dan pertempuran. Masuk ke dunia modern, wacananya sedikit berubah ke fenomena “mengundurkan diri” bagi para penjawat awam (menteri, politikus, dsb) yang terlibat masalah korupsi atau merasa gagal menjalankan tugasnya. Efek negatifnya mungkin adalah anak-anak sekolah rendah, sekolah menengah yang kadang bunuh diri, karena gagal peperiksaan atau tidak naik kelas. Karena malu jugalah, orang Jepun lebih senang memilih jalan memutar daripada mengganggu pengemudi di belakangnya dengan memotong jalur di tengah jalan. Mereka malu terhadap lingkungannya apabila mereka melanggar peraturan ataupun norma yang sudah menjadi kesepakatan umum.</span></span></div><div style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-family: inherit; font-size: 14px; font-style: inherit; font-weight: inherit; margin-bottom: 10px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span class="Apple-style-span" style="color: #474747; font-family: Arial, Verdana; font-size: 14px; line-height: 20px;"><br />
</span></div><div class="separator" style="clear: both; text-align: center;"><span class="Apple-style-span" style="color: #474747; font-family: Arial, Verdana; font-size: 14px; line-height: 20px;"><a href="http://shinchaneros.com/noticias/data/upimages/mujeres.png" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="http://shinchaneros.com/noticias/data/upimages/mujeres.png" /></a></span></div><div style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-family: inherit; font-size: 14px; font-style: inherit; margin-bottom: 10px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span class="Apple-style-span" style="font-family: Arial, Verdana; font-size: 14px; line-height: 20px;"><u><b><span class="Apple-style-span" style="color: yellow;">3. HIDUP BERJIMAT</span></b></u></span></div><span class="Apple-style-span" style="font-family: Arial, Verdana; font-size: 14px; line-height: 20px;"></span><br />
<div style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-family: inherit; font-size: 14px; font-style: inherit; font-weight: inherit; margin-bottom: 10px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span class="Apple-style-span" style="font-family: Arial, Verdana; font-size: 14px; line-height: 20px;"><span class="Apple-style-span" style="color: white;">Orang Jepun memiliki semangat hidup berjimat dalam keseharian. Sikap anti konsumerisme berlebihan ini nampak dalam berbagai bidang kehidupan. Di masa awal mulai kehidupan di Jepun, saya sempat terheran-heran dengan banyaknya orang Jepun ramai belanja di supermarket pada sekitar jam 19:30. Selidik punya selidik, ternyata sudah menjadi hal yang biasa bahwa supermarket di Jepun akan memotong harga sampai separuhnya pada waktu sekitar setengah jam sebelum tutup. Seperti diketahui bahwa Supermarket di Jepun rata-rata tutup pada pukul 20:00.</span></span></div><div style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #474747; font-family: inherit; font-size: 14px; font-style: inherit; font-weight: inherit; margin-bottom: 10px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span class="Apple-style-span" style="font-family: Arial, Verdana; font-size: 14px; line-height: 20px;"><br />
</span></div><div style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-family: inherit; font-size: 14px; font-style: inherit; margin-bottom: 10px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span class="Apple-style-span" style="font-family: Arial, Verdana; font-size: 14px; line-height: 20px;"><u><b><span class="Apple-style-span" style="color: yellow;">4. KESETIAN</span></b></u></span></div><span class="Apple-style-span" style="font-family: Arial, Verdana; font-size: 14px; line-height: 20px;"><div style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-family: inherit; font-size: 14px; font-style: inherit; font-weight: inherit; margin-bottom: 10px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span class="Apple-style-span" style="color: white;">Kesetian membuat sistem karier di sebuah perusahaan berjalan dan tertata dengan rapi. Sedikit berbeda dengan sistem di Amerika dan Eropa, sangat jarang orang Jepun yang berpindah-pindah pekerjaan. Mereka biasanya bertahan di satu atau dua perusahaan sampai pencen. Ini mungkin implikasi dari Industri di Jepun yang kebanyakan hanya mahu menerima fresh graduate, yang kemudian mereka latih dan didik sendiri sesuai dengan bidang garapan (core business) perusahaan.</span></div><div style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-family: inherit; font-size: 14px; font-style: inherit; font-weight: inherit; margin-bottom: 10px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><br />
</div><div class="separator" style="clear: both; color: #474747; text-align: center;"><a href="http://t0.gstatic.com/images?q=tbn:ANd9GcQT5MutZlGpFJch92yx--tmwA1WvBhn7MkS-h3sKWGvarQFl9U&t=1&usg=__9iv5VzUty1HGjl94vrq8MR1i4Tg=" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="http://t0.gstatic.com/images?q=tbn:ANd9GcQT5MutZlGpFJch92yx--tmwA1WvBhn7MkS-h3sKWGvarQFl9U&t=1&usg=__9iv5VzUty1HGjl94vrq8MR1i4Tg=" /></a></div><div style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-family: inherit; font-size: 14px; font-style: inherit; margin-bottom: 10px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><u><b><span class="Apple-style-span" style="color: yellow;">5. INOVASI</span></b></u></div></span><span class="Apple-style-span" style="font-family: Arial, Verdana; font-size: 14px; line-height: 20px;"><div style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-family: inherit; font-size: 14px; font-style: inherit; font-weight: inherit; margin-bottom: 10px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span class="Apple-style-span" style="color: white;">Jepun bukan bangsa penemu, tapi orang Jepun mempunyai kelebihan dalam meracik temuan orang dan kemudian memasarkannya dalam bentuk yang diminati oleh masyarakat. Menarik membaca kisah Akio Morita yang mengembangkan Sony Walkman yang melegenda itu. Cassete Tape tidak ditemukan oleh Sony, patennya dimiliki oleh perusahaan Phillip Electronics. Tapi yang berhasil mengembangkan dan membundling model portable sebagai sebuah produk yang booming selama puluhan tahun adalah Akio Morita, founder dan CEO Sony pada masa itu. Sampai tahun 1995, tercatat lebih dari 300 model walkman lahir dan jumlah total produksi mencapai 150 juta produk. Teknik perakitan kendaraan roda empat juga bukan diciptakan orang Jepun, patennya dimiliki orang Amerika. Tapi ternyata Jepun dengan inovasinya telah mengembangkan industri perakitan kendaraan yang lebih cepat dan murah.</span></div><div style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #474747; font-family: inherit; font-size: 14px; font-style: inherit; font-weight: inherit; margin-bottom: 10px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><br />
</div><div style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-family: inherit; font-size: 14px; font-style: inherit; margin-bottom: 10px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><u><b><span class="Apple-style-span" style="color: yellow;">6. PANTANG MENYERAH</span></b></u></div></span><span class="Apple-style-span" style="font-family: Arial, Verdana; font-size: 14px; line-height: 20px;"><div style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-family: inherit; font-size: 14px; font-style: inherit; font-weight: inherit; margin-bottom: 10px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span class="Apple-style-span" style="color: white;">Sejarah membuktikan bahwa Jepun termasuk bangsa yang tahan lasak dan pantang menyerah. Puluhan tahun dibawah kekaisaran Tokugawa yang menutup semua akses ke luar negeri, Jepun sangat tertinggal dalam teknologi. Ketika restorasi Meiji (meiji ishin) datang, bangsa Jepun cepat beradaptasi dan menjadi fast-learner. Kemiskinan sumber daya alam juga tidak membuat Jepun menyerah. Tidak hanya menjadi pengimpor minyak bumi, batubara, biji besi dan kayu, bahkan 85% sumber energi Jepun berasal dari negara lain termasuk Indonesia. Kabarnya kalau Indonesia menghentikan pasokan minyak bumi, maka 30% wilayah Jepun akan gelap gulita Rentetan bencana terjadi di tahun 1945, dimulai dari bom atom di Hiroshima dan Nagasaki, disusul dengan kalah perangnya Jepun, dan ditambahi dengan adanya gempa bumi besar di Tokyo. Ternyata Jepun tidak habis. Dalam beberapa tahun berikutnya Jepun sudah berhasil membangun industri otomotif dan bahkan juga keretapi laju (shinkansen) Mungkin cukup menakjubkan bagaimana Matsushita Konosuke yang usahanya hancur dan hampir tersingkir dari bisnis peralatan elektronik di tahun 1945 masih mampu merangkak, mulai dari nol untuk membangun industri sehingga menjadi kerajaan bisnis di era kekinian. Akio Morita juga awalnya menjadi tertawaan orang ketika menawarkan produk Cassete Tapenya yang mungil ke berbagai negara lain. Tapi akhirnya melegenda dengan Sony Walkman-nya. Yang juga cukup unik bahwa ilmu dan teori dimana orang harus belajar dari kegagalan ini mulai diformulasikan di Jepun dengan nama shippaigaku (ilmu kegagalan).</span></div><div style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #474747; font-family: inherit; font-size: 14px; font-style: inherit; font-weight: inherit; margin-bottom: 10px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><br />
</div><div class="separator" style="clear: both; color: #474747; text-align: center;"><a href="http://t2.gstatic.com/images?q=tbn:ANd9GcToM8bZPVK6Z3-L0AKvCP-89Uc1XKPl8pzWPgxI9mebtAnw-9E&t=1&usg=__QAKxoDD99PpP5f37nc_7imGzcjM=" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="http://t2.gstatic.com/images?q=tbn:ANd9GcToM8bZPVK6Z3-L0AKvCP-89Uc1XKPl8pzWPgxI9mebtAnw-9E&t=1&usg=__QAKxoDD99PpP5f37nc_7imGzcjM=" /></a></div><div style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-family: inherit; font-size: 14px; font-style: inherit; margin-bottom: 10px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><u><b><span class="Apple-style-span" style="color: yellow;">7. BUDAYA BACA</span></b></u></div></span><span class="Apple-style-span" style="font-family: Arial, Verdana; font-size: 14px; line-height: 20px;"><div style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-family: inherit; font-size: 14px; font-style: inherit; font-weight: inherit; margin-bottom: 10px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span class="Apple-style-span" style="color: white;">Jangan terkejut kalau anda datang ke Jepun dan masuk ke densha (keretapi lektrik), sebagian besar penumpangnya baik anak-anak maupun dewasa sedang membaca buku atau majalah. Tidak peduli duduk atau berdiri, banyak yang memanfaatkan waktu di densha untuk membaca. Banyak penerbit yang mulai membuat man-ga (komik bergambar) untuk materi-materi kurikulum sekolah baik dari peringkat sekolah rendah hingga menengah. Pelajaran Sejarah, Biologi, Bahasa, dsb disajikan dengan menarik yang membuat minat baca masyarakat semakin tinggi. Saya pernah membahas masalah komik pendidikan di blog ini. Budaya baca orang Jepun juga didukung oleh kecepatan dalam proses penerjemahan buku-buku asing (bahasa inggris, perancis, jerman, dsb). Konon kabarnya legenda penerjemahan buku-buku asing sudah dimulai pada tahun 1684, seiring dibangunnya institut penerjemahan dan terus berkembang sampai zaman modern. Biasanya terjemahan buku bahasa Jepun sudah tersedia dalam beberapa minggu sejak buku asingnya diterbitkan.</span></div><div style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #474747; font-family: inherit; font-size: 14px; font-style: inherit; font-weight: inherit; margin-bottom: 10px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><br />
</div><div style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-family: inherit; font-size: 14px; font-style: inherit; margin-bottom: 10px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><div class="separator" style="clear: both; color: #474747; font-weight: inherit; text-align: center;"><a href="http://muksinalfatah.files.wordpress.com/2010/04/teamworkteaser.gif?w=300&h=268" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="http://muksinalfatah.files.wordpress.com/2010/04/teamworkteaser.gif?w=300&h=268" /></a></div><u><b><span class="Apple-style-span" style="color: yellow;">8. KERJASAMA KELOMPOK</span></b></u></div></span><span class="Apple-style-span" style="font-family: Arial, Verdana; line-height: 20px;"><div style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-family: inherit; font-size: 14px; font-style: inherit; font-weight: inherit; margin-bottom: 10px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span class="Apple-style-span" style="color: white;">Budaya di Jepun tidak terlalu mengakomodasi kerja-kerja yang terlalu bersifat individualistik. Termasuk klaim hasil pekerjaan, biasanya ditujukan untuk team atau kelompok tersebut. Fenomena ini tidak hanya di dunia kerja, kondisi kampus dengan lab penelitiannya juga seperti itu, mengerjakan tugas mata kuliah biasanya juga dalam bentuk kelompok. Kerja dalam kelompok mungkin salah satu kekuatan terbesar orang Jepun. Ada anekdot bahwa “1 orang professor Jepun akan kalah dengan satu orang professor Amerika, hanya 10 orang professor Amerika tidak akan bisa mengalahkan 10 orang professor Jepun yang berkelompok”. Musyawarah muafakat atau sering disebut dengan “rin-gi” adalah ritual dalam kelompok. Keputusan strategis harus dibicarakan dalam “rin-gi”.</span></div><div style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #474747; font-family: inherit; font-size: 14px; font-style: inherit; font-weight: inherit; margin-bottom: 10px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><br />
</div><div style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-family: inherit; font-style: inherit; margin-bottom: 10px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><div style="font-size: 14px;"><u><b><span class="Apple-style-span" style="color: yellow;">9. MANDIRI</span></b></u></div><div style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-family: inherit; font-size: 14px; font-style: inherit; font-weight: inherit; margin-bottom: 10px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span class="Apple-style-span" style="color: white;">Sejak usia dini anak-anak dilatih untuk mandiri. Irsyad, anak saya yang paling besar sempat merasakan masuk TK (Yochien) di Jepun. Dia harus membawa 3 tas besar berisi pakaian ganti, bento (bungkusan makan siang), sepatu ganti, buku-buku, tuala dan sebotol besar minuman yang menggantung di lehernya. Di Yochien setiap anak dilatih untuk membawa perlengkapan sendiri, dan bertanggung jawab terhadap barang miliknya sendiri. Lepas sekolah menengah dan masuk bangku kuliah hampir sebagian besar tidak meminta biaya kepada orang tua. Teman-temen seangkatan saya dulu di Saitama University mengandalkan kerja part time untuk biaya sekolah dan kehidupan sehari-hari. Kalaupun kehabisan wang, mereka “meminjam” wang ke orang tua yang itu nanti mereka kembalikan di bulan berikutnya.</span></div><div style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #474747; font-family: inherit; font-size: 14px; font-style: inherit; font-weight: inherit; margin-bottom: 10px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><br />
</div><div class="separator" style="clear: both; font-size: 14px; text-align: center;"><a href="http://t3.gstatic.com/images?q=tbn:ANd9GcQtAaJpKFyyfufbDfhZdS3tOQgLliYiF61Jn9gyoWfr3bUD5fc&t=1&usg=__d7Q1puzz1-aSKNZW-M-IopcjVZw=" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="http://t3.gstatic.com/images?q=tbn:ANd9GcQtAaJpKFyyfufbDfhZdS3tOQgLliYiF61Jn9gyoWfr3bUD5fc&t=1&usg=__d7Q1puzz1-aSKNZW-M-IopcjVZw=" /></a></div><div style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-family: inherit; font-size: 14px; font-style: inherit; margin-bottom: 10px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><u><b><span class="Apple-style-span" style="color: yellow;">10. JAGA TRADISI</span></b></u></div><div style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-family: inherit; font-size: 14px; font-style: inherit; font-weight: inherit; margin-bottom: 10px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span class="Apple-style-span" style="color: white;">Perkembangan teknologi dan ekonomi, tidak membuat bangsa Jepun kehilangan tradisi dan budayanya. Budaya perempuan yang sudah menikah untuk tidak bekerja masih ada dan hidup sampai saat ini. Budaya minta maaf masih menjadi reflek orang Jepun. Kalau suatu hari anda naik basikal di Jepun dan menabrak pejalan kaki , maka jangan terkejut kalau yang kita tabrak malah yang minta maaf duluan. Sampai saat ini orang Jepun relatif menghindari berkata “tidak” untuk apabila mendapat tawaran dari orang lain. Jadi kita harus hati-hati dalam pergaulan dengan orang Jepun karena “hai” belum tentu “ya” bagi orang Jepun Pertanian merupakan tradisi leluhur dan aset penting di Jepun. Persaingan keras karena masuknya beras Thailand dan Amerika yang murah, tidak menyurutkan langkah pemerintah Jepun untuk melindungi para petaninya. Kabarnya tanah yang dijadikan lahan pertanian mendapatkan pengurangan cukai yang signifikan, termasuk beberapa insentif lain untuk orang-orang yang masih bertahan di dunia pertanian. Pertanian Jepun merupakan salah satu yang tertinggi didunia</span></div><div style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #474747; font-family: inherit; font-size: 14px; font-style: inherit; font-weight: inherit; margin-bottom: 10px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><br />
</div><div style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-family: inherit; font-style: inherit; margin-bottom: 10px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: center; vertical-align: baseline;"><span class="Apple-style-span" style="color: yellow;"><b><span class="Apple-style-span" style="font-size: x-large;">ok? dah motivated?</span></b></span></div></div></span>rocketeer999http://www.blogger.com/profile/08110586064727526462noreply@blogger.com0tag:blogger.com,1999:blog-64562109752776740.post-1832412454965219062010-10-27T19:45:00.003+08:002010-11-15T10:04:50.538+08:00Overdraft vs ASB Pt 4 (Advance Level)<span class="Apple-style-span" style="color: white;">salam sejahtera & assalamualaikum kpd pembaca2 blog aku yg tak seberape ni</span><br />
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<span class="Apple-style-span" style="color: white;">sebelum aku citer lebih lanjut tentang advance level yg ke 4 ni, ade baiknye kalo korg selak balik posting2 lame supaya korg dpt pemahaman yg lebih</span><br />
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<ol><li><a href="http://goldentainment.blogspot.com/2010/10/financial-mgt-odasb-pt-1-beginner-level.html"><span class="Apple-style-span" style="color: white;">Part 1</span></a></li>
<li><a href="http://goldentainment.blogspot.com/2010/10/financial-mgt-odasb-pt-2-advance-level.html"><span class="Apple-style-span" style="color: white;">Part 2</span></a></li>
<li><a href="http://goldentainment.blogspot.com/2010/10/overdraft-vs-asb-pt-3.html"><span class="Apple-style-span" style="color: white;">Part 3</span></a></li>
</ol><span class="Apple-style-span" style="color: white;">orait, kalo dah fhm, kite story skit pasal Part 4 ni, basically, teknik yg baru ni melibatkan penggunaan ASBloan. Dan, berita baik kpd sesape yg xde OD tu, korg pon leh apply teknik ni.</span><br />
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<span class="Apple-style-span" style="color: white;">Mungkin ramai yg dah tau, ramai jgk yg x tau. Dan aku menulis teknik ni bkn sbb aku baru je tau. Aku mmg dah draft utk jadikan die teknik yg ke 4. Teknik ni sgt sesuai utk mereka yg berhajat utk kawin ke, beli kete ke, dlm tempoh mase tertentulah, bergantung pada AIM korg td.</span><br />
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<u><span class="Apple-style-span" style="color: white;">Baik, Bahan2 yg diperlukan utk teknik <b>ASB-PL-ASBLoan </b>ni adalah:</span></u><br />
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<ol><li><span class="Apple-style-span" style="color: white;">Duit gaji </span></li>
<li><span class="Apple-style-span" style="color: white;">Dah bukak acct ASB </span></li>
<li><span class="Apple-style-span" style="color: white;">Personal Loan (rm10k ke atas)</span></li>
<li><span class="Apple-style-span" style="color: white;">ASB Loan (drp CIMB ke, RHB ke, Maybank ke...) berjumlah RM 100 K </span></li>
</ol><div style="text-align: center;"><table cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-bottom: 0.5em; margin-left: auto; margin-right: auto; padding-bottom: 6px; padding-left: 6px; padding-right: 6px; padding-top: 6px; text-align: center;"><tbody>
<tr><td style="text-align: center;"><div style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgGhFa38TqBM22Jal0QAF4l-VRbgZJOkGtpp3uw3uFhnh-QTvIHvsZgpvq284lG673I3IwL48ynpqawm87bilAcEkV_h6_DCFNbl_FvjvDd3KXh580vMxK5uBByYgQUh51VMmihaomIxBQ/s1600/untitled2.JPG" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><span class="Apple-style-span" style="color: white;"><img border="0" height="298" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgGhFa38TqBM22Jal0QAF4l-VRbgZJOkGtpp3uw3uFhnh-QTvIHvsZgpvq284lG673I3IwL48ynpqawm87bilAcEkV_h6_DCFNbl_FvjvDd3KXh580vMxK5uBByYgQUh51VMmihaomIxBQ/s400/untitled2.JPG" style="cursor: move;" width="400" /></span></a></div></td></tr>
<tr><td class="tr-caption" style="font-size: 13px; padding-top: 4px; text-align: center;"><div style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px;"><span class="Apple-style-span" style="color: white;">Table Easy Loan from Easy Rhb (click utk besarkan)</span></div><div><span class="Apple-style-span" style="color: white;"><br />
</span></div></td></tr>
</tbody></table></div><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgttrLbeEmuZqwUJgvLUifhOHZHYr7Jsw1KOnSEQ7-f_QUYrJN8YLc5zUICG9N-41WMxdEz-o26w-v1edTc-F9uzxDGCESxcEmjYKanybzAV5RUgh9A_78NKnuTvC_PUPxV43fFVSGCi0s/s1600/untitled1.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><span class="Apple-style-span" style="color: white;"><img border="0" height="290" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgttrLbeEmuZqwUJgvLUifhOHZHYr7Jsw1KOnSEQ7-f_QUYrJN8YLc5zUICG9N-41WMxdEz-o26w-v1edTc-F9uzxDGCESxcEmjYKanybzAV5RUgh9A_78NKnuTvC_PUPxV43fFVSGCi0s/s400/untitled1.JPG" width="400" /></span></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span class="Apple-style-span" style="color: white;">Table ASB Loan dr Easy Rhb (click utk besarkan)</span><br />
<span class="Apple-style-span" style="color: white;"><br />
</span></td></tr>
</tbody></table><div class="separator" style="clear: both; text-align: left;"><span class="Apple-style-span" style="color: white;">Cara-caranya:</span></div><div class="separator" style="clear: both; text-align: left;"></div><ul><li><span class="Apple-style-span" style="color: white;">Sekiranya korg amik Personal Loan (PL) drp Bank Rakyat sebyk rm20k, monthly korg sebyk rm209 selama 15 thn. Kalo rm10k plak. lebih kurang rm150 sebulan. Not sure, check dgn BR</span></li>
<li><span class="Apple-style-span" style="color: white;">Ok, Lepas korg dah cukup syarat2 ni td. Korg akan dapati:</span></li>
<ul><li><span class="Apple-style-span" style="color: white;">ASB Loan: monthly kene byr rm450.14</span></li>
<li><span class="Apple-style-span" style="color: white;">Personal Loan: rm288 (for rm10k from Easy RHB)</span></li>
</ul></ul><div><span class="Apple-style-span" style="color: white;">So, cmne plak skng? Ahhh...sudah nizam ni...jd 2 utang plak nk kene byr...rilekkk derrr..rilek.</span></div><div><div class="separator" style="clear: both; text-align: center;"><a href="http://t2.gstatic.com/images?q=tbn:ANd9GcR947UC_NkVT_VAQYgx01E2r0u649-bmWCvhKUABcMZHhqT4xQ&t=1&usg=__KKPDNQAn22D0Q7003Eb9r5nKGzU=" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span class="Apple-style-span" style="color: white;"><img border="0" height="400" src="http://t2.gstatic.com/images?q=tbn:ANd9GcR947UC_NkVT_VAQYgx01E2r0u649-bmWCvhKUABcMZHhqT4xQ&t=1&usg=__KKPDNQAn22D0Q7003Eb9r5nKGzU=" width="232" /></span></a></div><ol><li><span class="Apple-style-span" style="color: white;">Selepas korg dpt Personal Loan td (rm10k) <b>kuarkan sebyk rm6000, byr trus kpd RHB utk installment </b>ASB Loan selama setahun (rm450.14 x 12months = rm5,401.68) Byr lebih xpe, sbb intsllment ni ikut BLR, so die agak fluctuate</span></li>
<li><span class="Apple-style-span" style="color: white;">Selepas byr setahun ASB loan korg td, duduk la rilek je & tgu je dpt dividen ASB </span></li>
<li><span class="Apple-style-span" style="color: white;">Dgn andaian dividen sebyk 7%. Korg sepatutnya akan dpt rm7000. <b>Kuarkan rm6000 utk byr ASB pd thb yg ke 2</b></span></li>
<li><span class="Apple-style-span" style="color: white;">Rotate cara ni smpi thn yg kelima. Sbb Easy ASB ni korg hanya byr interests shj pd 5 TAHUN PERTAMA. <b>Pada thn ke 6, korg dah start byr principle nye iaitu rm677.14 sebulan</b>. Pada thn yg ke 6 korg bleh pilih samada nk terminate ke x nk, terpulang. Kalo terminate, korg just kene byr 1% drp ASB yg korg pinjam tu. <b>Kalo rm 100k x 1% = rm1000 je</b>.</span></li>
<li><span class="Apple-style-span" style="color: white;">Dgn cara ni, korg leh ringankan beban bulanan korg. Dah x pyh nk byr ASB loan lg. Thn pertama PL byr guna PL, thn ke 2 dan seterusnya rolling dividen ASB td. </span></li>
<li><span class="Apple-style-span" style="color: white;">Korg hanye perlu byr PL korg je bulan2. Tht is sebyk <b>rm 288 je</b>. </span></li>
</ol><div><span class="Apple-style-span" style="color: white;"><br />
</span></div></div><div><b><span class="Apple-style-span" style="color: white;">Kesimpulan:</span></b></div><div><ul><li><span class="Apple-style-span" style="color: white;">Utk mendapatkan RM 100K, korg perlukan lebihan. Lebihan dlm bentuk bantuan la sng citer. Kalo kite wat sorg2, mau terduduk nnt. So, lebihan ni membantu kite mencapai matlamat asal kite td.</span></li>
<li><span class="Apple-style-span" style="color: white;">Let say korg plan utk kawin, korg leh manfaatkan dividen asb td instead of korg wat PL saje. So kt sini, drp korg simpan je bulan2 rm288 x 12 bulan, korg cuma leh dpt rm3456 je. Tp dgn tools ASB Loan ni korg dpt lebih @ rm7000!! (kalo x wat rolling next year la)</span></li>
</ul></div><div><span class="Apple-style-span" style="color: white;"><br />
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</span><br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgmV0bUVPHuBpe23QP5Hzmg9A2XvsxqbX8akQd35YUDufpy9P5ZUCKjYJxxhMaCxvnyStDujjrCfAZX5dfCU17U6QptPFAWOOZsgOuiVNttFY6qaoO67tTLFi7hepU9NLrWuUv_GLJ-aeI/s1600/tn_leverage_pic.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><span class="Apple-style-span" style="color: white;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgmV0bUVPHuBpe23QP5Hzmg9A2XvsxqbX8akQd35YUDufpy9P5ZUCKjYJxxhMaCxvnyStDujjrCfAZX5dfCU17U6QptPFAWOOZsgOuiVNttFY6qaoO67tTLFi7hepU9NLrWuUv_GLJ-aeI/s1600/tn_leverage_pic.JPG" /></span></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span class="Apple-style-span" style="color: white;">Credit to JutawanEmas</span></td></tr>
</tbody></table><div class="separator" style="clear: both; text-align: left;"><b><u><span class="Apple-style-span" style="color: white;">Kebaikan:</span></u></b></div><div class="separator" style="clear: both; text-align: left;"></div><ol><li><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace; line-height: 15px;"><span class="Apple-style-span" style="color: white;">Berdasarkan jadual pulangan ASB diatas, didapati pulangan ASB mampu cover </span></span><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace; line-height: 15px;"><span class="Apple-style-span" style="color: white;">sebahagian besar duit loan ASB anda</span></span></li>
<li><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace; line-height: 15px;"><span class="Apple-style-span" style="color: white;">Dengan menggunakan strategi ASB + pelaburan emas, anda boleh menjana keuntungan tambahan untuk cover sebahagian lagi installment loan tersebut.</span></span></li>
<li><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace; line-height: 15px;"><span class="Apple-style-span" style="color: white;">Duit ASB nie boleh guna untuk cover pendidikan anak-anak, atau bayar hutang rumah sekali gus setelah 20 tahun</span></span></li>
<li><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace; line-height: 15px;"><span class="Apple-style-span" style="color: white;">Dengan menggunakan strategi personal loan sebagai leverage,anda boleh memiliki pelaburan ASB semaksimum RM200,000</span></span></li>
<li><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace; line-height: 15px;"><span class="Apple-style-span" style="color: white;">Kemudahan pinjaman ASB Islamik dan personal loan berkonsep Islam memudahkan orang Islam membuat pelaburan ini.</span></span></li>
<li><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace; line-height: 15px;"><span class="Apple-style-span" style="color: white;">Pinjaman ASB nie baik untuk memenuhi matlamat kewangan jangka panjang contohnya untuk pendidikan anak-anak, melangsaikan hutang rumah sekali gus.</span></span></li>
<li><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace; line-height: 15px;"><span class="Apple-style-span" style="color: white;">Dengan perlindungan insurans, amount yang dipinjam tidak perlu dibayar sekiranya terjadi apa-apa kejadian yang tidak diingini kepada peminjam contohnya kematian dan kecacatan kekal</span></span></li>
</ol><span class="Apple-style-span" style="color: white;"><br />
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<div class="separator" style="clear: both; text-align: left;"><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;"><span class="Apple-style-span" style="line-height: 15px;"><span class="Apple-style-span" style="color: white;"><br />
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</span></span></div><div class="separator" style="clear: both; text-align: left;"><span class="Apple-style-span" style="font-weight: bold;"><u><span class="Apple-style-span" style="color: white;">Keburukan:</span></u></span></div><div style="text-align: justify;"></div><div style="text-align: left;"><span class="Apple-style-span" style="color: white;"><br />
</span><br />
<ol><li><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;"><span class="Apple-style-span" style="color: white;">Membuat pinjaman untuk pelaburan adalah sesuatu yang berisiko. Tidak semua orang sesuai untuk mengambil risiko pinjaman untuk pelaburan. Ini adalah kerana BLR adalah berunah2, current BLR is 6.3%, mase time aku dlu 5.55%.</span></span></li>
<li><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;"><span class="Apple-style-span" style="color: white;">Prestasi ASB boleh berubah-ubah. Mungkin ada risiko pulangan rendah (refer table dividen ASB di atas)</span></span></li>
<li><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;"><span class="Apple-style-span" style="color: white;">Pinjaman ASB akan ditukar dalam bentuk sijil dan disimpan oleh pihak bank (so xkan dpt balik, unless korg abis byr nnt)</span></span></li>
<li><div style="text-align: left;"><div style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px;"><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;"><span class="Apple-style-span" style="color: white;">Jika gagal membayar installment, maka bank akan menjual sijil ASB (dlm tempoh mase 3 bulan)</span></span></div><div style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px;"><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;"><span class="Apple-style-span" style="color: white;"><br />
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</span></div></div></li>
</ol></div>rocketeer999http://www.blogger.com/profile/08110586064727526462noreply@blogger.com1tag:blogger.com,1999:blog-64562109752776740.post-46600130471162083982010-10-25T14:03:00.001+08:002010-11-15T10:09:22.477+08:00Aku, Kredit Kad & ...<div class="separator" style="clear: both; text-align: center;"><a href="http://t1.gstatic.com/images?q=tbn:ANd9GcTKYqc8SHItBV9-xMf2pQkHtFBtKzxHTMbQmkSBqT04wVX_XSw&t=1&h=201&w=139&usg=__AYE1wzNW1yYQC17WX4Zkdf3KBao=" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span class="Apple-style-span" style="color: white;"><img border="0" height="400" src="http://t1.gstatic.com/images?q=tbn:ANd9GcTKYqc8SHItBV9-xMf2pQkHtFBtKzxHTMbQmkSBqT04wVX_XSw&t=1&h=201&w=139&usg=__AYE1wzNW1yYQC17WX4Zkdf3KBao=" width="276" /></span></a></div><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="http://t2.gstatic.com/images?q=tbn:ANd9GcQgsLWGkdVVBvree0xGRnw4tyPB6BVuFI5a2HmGwlCiiZJnzrs&t=1&usg=__nYX-WxF2yiE3hZIqy9efW7KwvGI=" imageanchor="1" style="margin-left: auto; margin-right: auto;"><span class="Apple-style-span" style="color: white;"><img border="0" src="http://t2.gstatic.com/images?q=tbn:ANd9GcQgsLWGkdVVBvree0xGRnw4tyPB6BVuFI5a2HmGwlCiiZJnzrs&t=1&usg=__nYX-WxF2yiE3hZIqy9efW7KwvGI=" /></span></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span class="Apple-style-span" style="color: white;">(click article utk besarkan)</span><br />
<span class="Apple-style-span" style="color: white;"><br />
</span></td></tr>
</tbody></table><span class="Apple-style-span" style="color: white;">Rentetan drp article diatas...</span><br />
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<span class="Apple-style-span" style="color: white;">Masihku ingat kembali, saat2 aku apply kredit kad buat pertama kali, mcm2 yg dtg ckp kt aku.</span><br />
<span class="Apple-style-span" style="color: white;"><br />
</span><br />
<ul><li><i><span class="Apple-style-span" style="color: white;">kalo bleh jgn apply - payah nk bayo nnt</span></i></li>
<li><i><span class="Apple-style-span" style="color: white;">ko tak tau ke ramai dah muflis sbb kredit kad ni? muda2 lg dah muflis tau?</span></i></li>
<li><i><span class="Apple-style-span" style="color: white;">mampu ke ko nk byr nnt?</span></i></li>
<li><i><span class="Apple-style-span" style="color: white;">kau tau x? skng ni aku nk beli wat loan pape pon ssh, nk beli kete ssh, nk beli rumah ssh, sumer sbb kredit kad</span></i></li>
</ul><div><span class="Apple-style-span" style="color: white;">haha, kelakar..ade plak ko nk salahkan kad sekeping tu. Ceh! Ko yg salah manage, ko nk salahkan org bnde yg bernyawa plak....kalo kad tu bleh cakap, dah lame die menjwab tau..haha, ketawa aku lg..</span></div><div><span class="Apple-style-span" style="color: white;"><br />
</span></div><div><span class="Apple-style-span" style="color: white;">aku tekad utk apply jgk, haha..lg pon Rahsia Tanda Lahir aku mmg kate aku degil, mak bapak aku pon cakap aku degil..aku jenis org Try & Error. Besok dah sakit, padan la muke aku..</span></div><div><span class="Apple-style-span" style="color: white;"><br />
</span></div><div><span class="Apple-style-span" style="color: white;">Lalu aku scroll thread2 dlm <a href="http://www.carigold.com/">Forum Carigold</a>, mane tau ade yg leh offer kad2 besh2. dpt rebate bkn2 ke, payung ke ape ke..tp aku gagal...ramai yg dah x buat. Sbbnye? sbb skng diorg offer Balance Transfer plak..utk yg berkredit kad lah..hmmm</span></div><div><span class="Apple-style-span" style="color: white;"><br />
</span></div><div><span class="Apple-style-span" style="color: white;">Aku melangkah menuju ke bank2 berhampiran, mane tau ade Sales Person dtg offer aku, xde ropenye. Aku tanye sendiri sng. Aku capai form2 kredit kad lalu ku bawa pulang utk diisi. Setelah selesai, aku pulangkan kembali pada mana2 bank yg aku amik td.</span></div><div><span class="Apple-style-span" style="color: white;"><br />
</span></div><div><span class="Apple-style-span" style="color: white;">Kini, telah hampir genap setahun aku menggunakan kad kredit drp Bank Islam. Kad Klasik je pon, kredit limit pon x tinggi. Tp aku x kesah sbb aku byr penuh. Tak mcm member2 aku yg lelain, yg lg hebat & besar kredit limitnye. Tp byr minimum je.'' <i>Ceh! ''</i> rungutku.</span></div><div><span class="Apple-style-span" style="color: white;"><br />
</span></div><div><span class="Apple-style-span" style="color: white;">Aku penah menceritakan kepada sorg member aku, seorg pegawai bank. Kalo nk dikirakan ramai sebenarnye yg aku dah ceritakan mende2 yg aku tulis kt blog aku ni. Tp, apekan daya, bkn duit aku kan? So, again, biarla si luncai terjun dgn labu2 nye...</span></div><div><span class="Apple-style-span" style="color: white;"><br />
</span></div><div><span class="Apple-style-span" style="color: white;">ape yg aku citer? ok, truskan membaca Journal aku ni...</span></div><table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: right; margin-left: 1em; text-align: right;"><tbody>
<tr><td style="text-align: center;"><a href="http://t0.gstatic.com/images?q=tbn:ANd9GcReE5gQ7jRmhTW0UuewjGHRPNvqs3VzRxCzPDkR8vMyZVpqqik&t=1&usg=__PeaOZEn_PRs2-knPUEuAgG7q1Ew=" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><span class="Apple-style-span" style="color: white;"><img border="0" src="http://t0.gstatic.com/images?q=tbn:ANd9GcReE5gQ7jRmhTW0UuewjGHRPNvqs3VzRxCzPDkR8vMyZVpqqik&t=1&usg=__PeaOZEn_PRs2-knPUEuAgG7q1Ew=" /></span></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><a href="http://www.kosmo.com.my/kosmo/content.asp?y=2009&dt=0206&pub=Kosmo&sec=Pesona&pg=ps_06.htm"><span class="Apple-style-span" style="color: white;">Pengurusan Kad Kredit - Kosmo</span></a></td></tr>
</tbody></table><div><span class="Apple-style-span" style="color: white;"><br />
</span></div><div><span class="Apple-style-span" style="color: white;">lanjutan drp post aku yg <a href="http://goldentainment.blogspot.com/2010/10/overdraft-vs-asb-pt-3.html">lalu</a>, aku merempit ASB aku dgn teknik ni, kpd yg x phm tu, aku bknla merempit pakai moto ke bangunan PNB tu, tp memenuhkan ASB aku dgn teknik ni. So, bile aku citer kt member2 aku yg aku byr full amount kad kredit aku, diorg terkejut. Yela brpe sgt la gaji aku kan? Bleh byr penuh plak tu, diorg yg gaji lg byk pon x byr penuh. Aku tye diorg knp x byr penuh? Ini antara jawapan diorg:</span></div><div><span class="Apple-style-span" style="color: white;"><br />
</span></div><div><ol><li><i><span class="Apple-style-span" style="color: white;">Uish! Gile ngko! Aku swipe 2 ribu bulan lepas beli sepot rim! kalo aku bayo aku nk mkn ape?!</span></i></li>
<li><i><span class="Apple-style-span" style="color: white;">ala, minimum payment cuma rm200, aku byr rm400 trus! kadang2 ade duit lebih aku byr smpi rm600. tu yg bank syg kt aku, Offer aku kredit limit lebey...heheh. Nnt bile dpt bonus aku byr la abis!</span></i></li>
</ol><div><span class="Apple-style-span" style="color: white;">Bangga ke? siyes kalo korg tau brape gaji aku korg x caye aku byr up to rm3000 sebln. Iye, ramai yg terkejut. Well, im not surprised. Mgkn diorg x tau pengurusan wang secara bijak wpon diorg keje bank.</span></div></div><div><span class="Apple-style-span" style="color: white;"><br />
</span></div><div><span class="Apple-style-span" style="color: white;">Knp aku tekankan pembayaran penuh? Sbb kalo kite x byr penuh, baki pinjaman kite itu td akan di charge dr 2% ~ 5% sehari ! Sbb credit card ni daily rest. Skng ni plak bank2 dah impose minimum 1%. Lagi la masak...So, aku nk share cmne aku buat. Haha, dah pjg2 citer baru nk reveal kan?</span></div><div><span class="Apple-style-span" style="color: white;"><br />
</span></div><div><u><b><span class="Apple-style-span" style="color: white;">Bahan2 yg diperlukan:</span></b></u></div><div><ol><li><span class="Apple-style-span" style="color: white;">Kredit kad</span></li>
<li><span class="Apple-style-span" style="color: white;">Gaji </span></li>
<li><span class="Apple-style-span" style="color: white;">OD </span></li>
</ol><div class="separator" style="clear: both; text-align: center;"><a href="http://t2.gstatic.com/images?q=tbn:ANd9GcTmWr4Ziw69xx4f4bmGXX-GpEoUOiMXVuAMo2JiSil5hWquqI4&t=1&usg=__pgc3rHw1CbGl6xId9YiMQBuYi7Q=" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span class="Apple-style-span" style="color: white;"><img border="0" src="http://t2.gstatic.com/images?q=tbn:ANd9GcTmWr4Ziw69xx4f4bmGXX-GpEoUOiMXVuAMo2JiSil5hWquqI4&t=1&usg=__pgc3rHw1CbGl6xId9YiMQBuYi7Q=" /></span></a></div><div><span class="Apple-style-span" style="color: white;"><br />
</span></div></div><div><span class="Apple-style-span" style="color: white;">Chara-charanya:</span></div><div><ol><li><span class="Apple-style-span" style="color: white;">sumer gaji hanyalah utk tujuan pembayaran </span></li>
<li><span class="Apple-style-span" style="color: white;">Lebihan gaji jgn pakai, pakai hanya bile xleh swipe guna CC je</span></li>
<li><span class="Apple-style-span" style="color: white;">Segala perbelanjaan lain, pakai CC (isi minyak, mkn, beli brg dapur, dll) </span></li>
<li><span class="Apple-style-span" style="color: white;">Cash td simpan dulu (hold)</span></li>
</ol><div><span class="Apple-style-span" style="color: white;"><br />
</span></div></div><div><u><b><span class="Apple-style-span" style="color: white;">Bulan ke 2</span></b></u></div><div><ul><li><span class="Apple-style-span" style="color: white;">katekan korg dah swipe rm1000. </span></li>
<li><span class="Apple-style-span" style="color: white;">so drp gaji byr trus rm1000 tu, so duit gaji x cukuplah kan?</span></li>
<li><span class="Apple-style-span" style="color: white;">Amik rm1000 drp OD</span></li>
<li><span class="Apple-style-span" style="color: white;">belanje mcm biase, tp korg still pakai kad kredit jgk, let say dah pakai rm1000</span></li>
</ul><div><span class="Apple-style-span" style="color: white;"><br />
</span></div></div><div><b><span class="Apple-style-span" style="color: white;">Bulan Ke 3</span></b></div><div><ul><li><span class="Apple-style-span" style="color: white;">Summary utang: Utang CC: rm1000, utang OD:rm1000</span></li>
<li><span class="Apple-style-span" style="color: white;">byr kad krdit pakai duit gaji </span></li>
<li><span class="Apple-style-span" style="color: white;">bile krdt kad dah byr penuh, kuarkan (CA) drp kad td, rm1000 jgk </span></li>
<li><span class="Apple-style-span" style="color: white;">gunakan duit CA td, byr duit OD </span></li>
<li><span class="Apple-style-span" style="color: white;">bile perlu amik rm1000 drp OD td. </span></li>
<li><span class="Apple-style-span" style="color: white;">belanje mcm biase + belanje pakai CC jgk </span></li>
</ul><div><span class="Apple-style-span" style="color: white;"><br />
</span></div></div><div><span class="Apple-style-span" style="color: white;">Secara ringkas, penggunaan OD sgt sesuai utk manage kewangan kite, manipulate duit dgn application salary, CC & OD, lg camtek kalo korg invest/saving skit. </span></div><div><span class="Apple-style-span" style="color: white;"><br />
</span></div><div><span class="Apple-style-span" style="color: white;">So, ni lah yg aku praktik kan skrg, korg leh la wat calculation sendiri berdasarkan perbelanjaan korg. Ingat, pakai ape yg korg mampu je. cnth: kalo gaji 2k, jgn le pakai smpi 5k,6k sbln! payah nk pusing nnt weh!</span></div><div><span class="Apple-style-span" style="color: white;"><br />
</span></div><div><span class="Apple-style-span" style="color: white;">ok, tu je...enjoy reading</span></div>rocketeer999http://www.blogger.com/profile/08110586064727526462noreply@blogger.com1tag:blogger.com,1999:blog-64562109752776740.post-86685175282589872282010-10-25T08:27:00.002+08:002010-11-15T10:10:06.531+08:00<span class="Apple-style-span" style="color: white;"><object height="385" width="480"><param name="movie" value="http://www.youtube.com/v/4aqbx9rI8Fk?fs=1&hl=en_US"></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="http://www.youtube.com/v/4aqbx9rI8Fk?fs=1&hl=en_US" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="480" height="385"></embed></object></span><br />
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<span class="Apple-style-span" style="color: white;">25 October 2010, Monday.</span><br />
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<span class="Apple-style-span" style="color: white;">Asal isnin je ramai yg mengomel, merungut Monday Blues lah, malas nk keje lah, ape lah..knp eh?</span><br />
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<span class="Apple-style-span" style="color: white;">Adekah kerana kite dah seronok cuti Sabtu & Ahad? Kalo cmtu try tye kwn2 kite sesape yg dok area pantai timur or area utara sane. Diorg kan cuti Jumaat & Sabtu? Diorg alami x sickness ni? Ke nama lain plak? Sunday Blues? Ntah.</span><br />
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<span class="Apple-style-span" style="color: white;">Dulu mase time study, lecturer penah tye aku, nape x dtg smlm. Dgn selambe aku jwb, saye tido. Haha..sakit ati die agaknye. Die cakap</span><br />
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<blockquote><span class="Apple-style-span" style="font-size: x-large;"><i><span class="Apple-style-span" style="color: white;">"Zaman sye blaja dulu, sye suke dtg skolah, sbb nk jumpe kwn2, wpon sye x suke dtg kelas. So, drp kwn2 tu td, sye jd minat dtg kelas, minat blaja & smpi la sye jd lecturer arini!"</span></i></span></blockquote><span class="Apple-style-span" style="color: white;"><br />
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<span class="Apple-style-span" style="color: white;"> siyes, aku sendiri pon kekadang malas dtg kelas & keje. So, ingat nk share la dgn korg or anybody ape yg menyebabkan korg hari2 dtg keje dgn penuh <b>SEMANGAT.</b></span><br />
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</span><br />
<span class="Apple-style-span" style="color: white;">kebanyakkan kite rajin dtg disebabkan oleh:</span><br />
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<ol><li><span class="Apple-style-span" style="color: white;">awek/bf kt tmpt keje/kelas</span></li>
<li><span class="Apple-style-span" style="color: white;">cikgu tu cun/hensem</span></li>
<li><span class="Apple-style-span" style="color: white;">boring dok umah pon bkn buat ape</span></li>
<li><span class="Apple-style-span" style="color: white;">ske dgn nature keje aku - mmg korg enjoy keje korg la ni (etc: keje buat games ke, keje dgn bdk2 ke)</span></li>
<li><span class="Apple-style-span" style="color: white;">keje dr rumah - so hari2 punctual! </span></li>
<li><span class="Apple-style-span" style="color: white;">Ntah, sbb kene keje, kalo x keje sape nk bg mkn aku? Lain la kalo mak bapak aku millionnaire! haha!</span></li>
</ol><div><span class="Apple-style-span" style="color: white;"><br />
</span></div><div><span class="Apple-style-span" style="color: white;">Adekah kite tergolong dlm category diatas? Apepon saje aku share video Dr. Hj. Mohammad Fadilah Kamsah...semoga dpt manfaat bersama.. Enjoy</span></div>rocketeer999http://www.blogger.com/profile/08110586064727526462noreply@blogger.com0tag:blogger.com,1999:blog-64562109752776740.post-19703573031297859572010-10-25T03:43:00.004+08:002010-11-15T10:13:24.685+08:00Overdraft vs ASB Pt 3 (Advance Level)<div class="separator" style="clear: both; text-align: center;"><a href="http://t1.gstatic.com/images?q=tbn:ANd9GcTits_ZUuRAn6lufvEdiypo0KY0CThhhQw8JfRkRzFHUOkK0-c&t=1&usg=__yw_yFZGeAmuo6bzb8tDzOIoK6Ps=" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span class="Apple-style-span" style="color: white;"><img border="0" height="119" src="http://t1.gstatic.com/images?q=tbn:ANd9GcTits_ZUuRAn6lufvEdiypo0KY0CThhhQw8JfRkRzFHUOkK0-c&t=1&usg=__yw_yFZGeAmuo6bzb8tDzOIoK6Ps=" width="320" /></span></a></div><div class="separator" style="clear: both; text-align: center;"><span class="Apple-style-span" style="font-size: x-large;"><span class="Apple-style-span" style="color: white;">on</span></span></div><div class="separator" style="clear: both; text-align: center;"><a href="http://takafulsmartmedic.files.wordpress.com/2009/07/amanah-saham-bumiputera1.png?w=122&h=119" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span class="Apple-style-span" style="color: white;"><img border="0" src="http://takafulsmartmedic.files.wordpress.com/2009/07/amanah-saham-bumiputera1.png?w=122&h=119" /></span></a></div><span class="Apple-style-span" style="color: white;">oklah, ini lanjutan drp posting <a href="http://goldentainment.blogspot.com/2010/10/financial-mgt-odasb-pt-2-advance-level.html">Overdraft vs ASB Pt 2</a> yg mane aku telah pon menceritakan serba sedikit pasal jenis ODASB: Advance iaitu <b>OD-ASB-OD</b></span><br />
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<span class="Apple-style-span" style="color: white;">Untuk posting kali ni, aku akan menceritakan plk pasal ODASB Advance: OD-ASB-CC</span><br />
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<span class="Apple-style-span" style="color: white;">utk lebih memahami OD-ASB-CC, beberape terminology yg korg kene tau:</span><br />
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<ul><li><b><span class="Apple-style-span" style="color: white;">CC</span></b><span class="Apple-style-span" style="color: white;">: stands for Credit Card, ade mcm2 jenis kredit card di pasaran skng..tp aku sarankan korg amik samada drp Bank Islam, Bank Rakyat, Bank Al Rajhi & RHB (knp? nnt aku explain)</span></li>
<li><b><span class="Apple-style-span" style="color: white;">CA</span></b><span class="Apple-style-span" style="color: white;">: credit advance @ pengeluaran pendahuan, mcm mintak advance gaji awal la..</span></li>
<li><b><span class="Apple-style-span" style="color: white;">CL</span></b><span class="Apple-style-span" style="color: white;">: credit limit, bermaksud limit kad kredit korg </span></li>
<li><b><span class="Apple-style-span" style="color: white;">DD</span></b><span class="Apple-style-span" style="color: white;">: Due date, tarikh akhir byr kredit kad</span></li>
<li><b><span class="Apple-style-span" style="color: white;">SD</span></b><span class="Apple-style-span" style="color: white;">: statement date, tarikh statement dtg/dihantar ke rumah korg</span></li>
<li><b><span class="Apple-style-span" style="color: white;">interest free period/ lock in period/ cooling off period</span></b><span class="Apple-style-span" style="color: white;">: tempoh bg korg byr mengikut jumlah statement</span></li>
</ul><div class="separator" style="clear: both; text-align: center;"><a href="http://www.rhb.com.my/img/rhb_logo.gif" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"></a><a href="http://t0.gstatic.com/images?q=tbn:ANd9GcT4UtwNJWj6zlDMa36WsvwGksFPMmBm_BizuvwUmMgBebjPWVg&t=1&usg=__JgvzDpbeg4O8n25dvqbqEVlgW7Y=" imageanchor="1" style="clear: left; display: inline !important; margin-bottom: 1em; margin-right: 1em;"><span class="Apple-style-span" style="color: white;"><img border="0" src="http://t0.gstatic.com/images?q=tbn:ANd9GcT4UtwNJWj6zlDMa36WsvwGksFPMmBm_BizuvwUmMgBebjPWVg&t=1&usg=__JgvzDpbeg4O8n25dvqbqEVlgW7Y=" /></span></a></div><div><span class="Apple-style-span" style="color: white;"><br />
</span></div><div><span class="Apple-style-span" style="color: white;">bahan2 yg perlu disediakan: </span></div><div><ol><li><span class="Apple-style-span" style="color: white;">CL : rm3000 (min)</span></li>
<li><span class="Apple-style-span" style="color: white;">CA: rm1500 (min)</span></li>
<li><span class="Apple-style-span" style="color: white;">ODASB: min rm11000</span></li>
<li><span class="Apple-style-span" style="color: white;">Acct ASB: </span></li>
<li><span class="Apple-style-span" style="color: white;">(Optional) : M2U (utk menabung dlm asb secara online)</span></li>
<li><span class="Apple-style-span" style="color: white;">Salary: rm3000 (or what ever lah) </span></li>
</ol></div><div><span class="Apple-style-span" style="color: white;">ok, kalo dah fhm, mari kite teruskan sesi kite, fuhhh, bismillah...resipi adalah seperti berikut:</span></div><div><ul><li><span class="Apple-style-span" style="color: white;">utk menggunakan kaedah OD-ASB-CC ni, mula2 skali kene fhm, utk ape kite apply konsep ni. Sepertimane yg aku penah citer dlm Part 1 & 2, ini adalah konsep Advance yg mane, lebih kpd Passive Investor (maximize kan dividend ASB)</span></li>
<li><span class="Apple-style-span" style="color: white;">so, 1st skali set kan matlamat brape korg nk/larat/sanggup menyimpan dlm asb (let say rm100/mnth)</span></li>
<li><span class="Apple-style-span" style="color: white;">dgn menganggap duit gaji korg habis, of course la xleh nk simpan rm100/sbln ye dak? time ni la gunakan CC td </span></li>
<li><span class="Apple-style-span" style="color: white;">dgn mengganggap korg x usik CC korg selain drp menyimpan: mula2 korg kuarkan rm100 drp CC korg td. Caranya dgn CA kan CC. Tak tau? Sng je, cucuk kuar drp atm mechine. Korg akan di charge sebyk (2% ~ 5%:bergantung pd CC masing2) </span></li>
<li><span class="Apple-style-span" style="color: white;">dan kuarkan masukkan pulak dlm ASB</span></li>
<li><span class="Apple-style-span" style="color: white;">leceh? ok, nk sng bile korg dpt gaji (if melalui MBB lah) deduct siap2 rm100 tu trus ke ASB</span></li>
<li><span class="Apple-style-span" style="color: white;">so dgn ini, perbelanjaan korg dah short rm100 kan? Amiklah blk melalui kaedah CA td</span></li>
<li><span class="Apple-style-span" style="color: white;">end of month, gaji akan masuk seperti biase (rm2000 ke, 3000 ke..) dah korg dah ade komitment baru, hutang CC sebyk rm100</span></li>
<li><span class="Apple-style-span" style="color: white;">dgn OD, korg kuarkan rm100 td, byr CC korg (kuarkan lbh sbb korg kene byr CA fee td)</span></li>
<li><span class="Apple-style-span" style="color: white;">bile CC dah abis byr, kuarkan balik rm100 dr CC td dan simpan dlm ASB</span></li>
<li><span class="Apple-style-span" style="color: white;">so, korg blnje seprti biase, korg dpt menyimpan tanpa usik duit gaji korg</span></li>
<li><span class="Apple-style-span" style="color: white;">end of month summary: expenses still same(pakai duit gaji), simpanan asb: rm100/sbln, CA: rm100, OD: rm100 - so kt sini dah ade 2 liability tmbhan</span></li>
<li><span class="Apple-style-span" style="color: white;">tamat sesi bulan pertama </span></li>
</ul><div><span class="Apple-style-span" style="color: white;"><br />
</span></div><div><span class="Apple-style-span" style="color: white;">Sesi Bulan Ke2</span></div></div><div><ul><li><span class="Apple-style-span" style="color: white;">Korg akan dpt gaji spt biase, tp skng ni ade 2 komitment, OD & CC</span></li>
<li><span class="Apple-style-span" style="color: white;">dpt gaji td, byr CC dulu. rm 100</span></li>
<li><span class="Apple-style-span" style="color: white;">dgn gaji jgk, simpan dlm asb. pon rm100 gak</span></li>
<li><span class="Apple-style-span" style="color: white;">korg dah short rm200 dr gaji, alamak!</span></li>
<li><span class="Apple-style-span" style="color: white;">jgn lupe CC dah penuh, kuarkan rm300</span></li>
<li><span class="Apple-style-span" style="color: white;">drp rm300 td, byr OD rm100 yg korg dah pakai bulan lepas</span></li>
<li><span class="Apple-style-span" style="color: white;">summary: duit bnje x kurg, masih dpt menyimpan rm100 dlm asb, OD still penuh, CC hutang rm300</span></li>
</ul><div><span class="Apple-style-span" style="color: white;"><br />
</span></div></div><div><span class="Apple-style-span" style="color: white;">Sesi Bulan ke 3</span></div><div><ul><li><span class="Apple-style-span" style="color: white;">summary dr bulan ke 2, korg dah ade hutang CC sebyk rm300</span></li>
<li><span class="Apple-style-span" style="color: white;">dpt gaji td, byr trus CC korg rm300</span></li>
<li><span class="Apple-style-span" style="color: white;">drp gaji jgk, transferkan rm100 ke ASB </span></li>
<li><span class="Apple-style-span" style="color: white;">so, gaji dah kurg rm400</span></li>
<li><span class="Apple-style-span" style="color: white;">ape ade hal, amik le drp OD korg rm400</span></li>
<li><span class="Apple-style-span" style="color: white;">summary: blnje still same, utang dgn OD: rm400</span></li>
</ul><div><span class="Apple-style-span" style="color: white;"><br />
</span></div></div><div><span class="Apple-style-span" style="color: white;">Sesi Bulan ke 4</span></div><div><ul><li><span class="Apple-style-span" style="color: white;">dpt gaji transfer rm100 ke ASB</span></li>
<li><span class="Apple-style-span" style="color: white;">drp CC, CA kan sebyk rm500</span></li>
<li><span class="Apple-style-span" style="color: white;">drp CA td, rm400 byr OD, rm100 top up blnje korg </span></li>
<li><span class="Apple-style-span" style="color: white;">summary: blnje still same, utang dgn OD: xde, utang dgn CC: rm500</span></li>
</ul><div><span class="Apple-style-span" style="color: white;"><br />
</span></div></div><div><span class="Apple-style-span" style="color: white;">Sesi Bulan ke 5</span></div><div><ul><li><span class="Apple-style-span" style="color: white;">dpt gaji byr CC rm500</span></li>
<li><span class="Apple-style-span" style="color: white;">drp gji jgk transfer rm100 ke ASB</span></li>
<li><span class="Apple-style-span" style="color: white;">amik drp OD rm600, wat blnje </span></li>
<li><span class="Apple-style-span" style="color: white;">Summary: utang OD: rm600, yg lain, mcm biase </span></li>
</ul><div><span class="Apple-style-span" style="color: white;"><br />
</span></div></div><div><span class="Apple-style-span" style="color: white;">Sesi Bulan Ke 6 </span></div><div><ul><li><span class="Apple-style-span" style="color: white;">dpt gaji transfer ASB rm100</span></li>
<li><span class="Apple-style-span" style="color: white;">drp gaji jgk, transfer rm600 ke OD </span></li>
<li><span class="Apple-style-span" style="color: white;">amik rm700 drp CA korg</span></li>
<li><span class="Apple-style-span" style="color: white;">Summary, utang CC: rm700 la plak</span></li>
</ul><div><span class="Apple-style-span" style="color: white;"><br />
</span></div></div><div><span class="Apple-style-span" style="color: white;">Sesi Bulan ke 7 </span></div><div><ul><li><span class="Apple-style-span" style="color: white;">dpt gaji transfer rm100 ke ASB</span></li>
<li><span class="Apple-style-span" style="color: white;">drp gaji jgk, byr CC korg rm700</span></li>
<li><span class="Apple-style-span" style="color: white;">amik duit drp OD rm800</span></li>
<li><span class="Apple-style-span" style="color: white;">summary: utang OD rm800</span></li>
</ul><div><span class="Apple-style-span" style="color: white;"><br />
</span></div><div><span class="Apple-style-span" style="color: white;">Sesi Bulan ke 8</span></div></div><div><ul><li><span class="Apple-style-span" style="color: white;">dpt gaji transfer ke ASB rm100</span></li>
<li><span class="Apple-style-span" style="color: white;">drp gaji jgk, byr OD rm800</span></li>
<li><span class="Apple-style-span" style="color: white;">amik duit dgn teknik CA CC, sebyk rm900</span></li>
<li><span class="Apple-style-span" style="color: white;">summary: utang CC sebyk rm900</span></li>
</ul><div><span class="Apple-style-span" style="color: white;"><br />
</span></div></div><div><span class="Apple-style-span" style="color: white;">Sesi Bulan Ke 9 </span></div><div><ul><li><span class="Apple-style-span" style="color: white;">dpt gaji transfer ke ASB rm100</span></li>
<li><span class="Apple-style-span" style="color: white;">drp gaji byr utang CC rm900</span></li>
<li><span class="Apple-style-span" style="color: white;">amik drp OD rm1000</span></li>
<li><span class="Apple-style-span" style="color: white;">summary: utang OD sebyk rm1000</span></li>
</ul><div><span class="Apple-style-span" style="color: white;"><br />
</span></div></div><div><span class="Apple-style-span" style="color: white;">Sesi Bulan ke 10</span></div><div><ul><li><span class="Apple-style-span" style="color: white;">dpt gaji transfer ke ASB sebyk rm100</span></li>
<li><span class="Apple-style-span" style="color: white;">drp gaji byr utang OD sebyk rm1000</span></li>
<li><span class="Apple-style-span" style="color: white;">amik drp CA CC sebyk rm1100</span></li>
<li><span class="Apple-style-span" style="color: white;">Summary: utang CC sebyk rm1100</span></li>
</ul><div><span class="Apple-style-span" style="color: white;"><br />
</span></div></div><div><span class="Apple-style-span" style="color: white;">Sesi bulan ke 11</span></div><div><ul><li><span class="Apple-style-span" style="color: white;">dpt gaji transfer ke ASB rm100</span></li>
<li><span class="Apple-style-span" style="color: white;">drp gaji byr utang CC rm1100</span></li>
<li><span class="Apple-style-span" style="color: white;">amik rm1200 drp OD</span></li>
<li><span class="Apple-style-span" style="color: white;">summary: utang rm1200 drp OD</span></li>
</ul><div><span class="Apple-style-span" style="color: white;"><br />
</span></div></div><div><span class="Apple-style-span" style="color: white;">Sesi bulan ke 12</span></div><div><ul><li><span class="Apple-style-span" style="color: white;">dpt gaji transfer ke ASB rm100</span></li>
<li><span class="Apple-style-span" style="color: white;">drp gaji byr utang OD rm1200</span></li>
<li><span class="Apple-style-span" style="color: white;">amik rm1300 drp CA CC utk belanje harian </span></li>
<li><span class="Apple-style-span" style="color: white;">summary: utang CC sebyk rm1300</span></li>
</ul><div><span class="Apple-style-span" style="color: white;"><br />
</span></div></div><div><span class="Apple-style-span" style="color: white;">End Year Summary:</span></div><div><ul><li><span class="Apple-style-span" style="color: white;">utang CC sebyk rm1300</span></li>
<li><span class="Apple-style-span" style="color: white;">dah menyimpan sebyk rm100 x 12 bln dlm ASB =rm1200 (plus duit OD, let say rm30K = rm31200)</span></li>
<li><span class="Apple-style-span" style="color: white;">OD masih penuh </span></li>
<li><span class="Apple-style-span" style="color: white;">dividen drp ASB, kalo 7% dah dpt rm2184 (7% x rm31200)</span></li>
<li><span class="Apple-style-span" style="color: white;">gunakan duit dividend td byr CC (rm2184 - rm1300 = rm884), yg ni optional, nk buat blh, xnk buat pn xpe. </span></li>
<li><span class="Apple-style-span" style="color: white;">kalo x combine dgn OD, cuma dpt rm84 je (7% x rm1200)</span></li>
</ul><div class="separator" style="clear: both; text-align: center;"><a href="http://t3.gstatic.com/images?q=tbn:ANd9GcQ4Afm_yBcqF1ii3kpo-1Aeexz1XwbDISaW79vAt77zTn47X4M&t=1&usg=__NscjRv8dUDM3_088tBecw4-Wyro=" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span class="Apple-style-span" style="color: white;"><img border="0" height="173" src="http://t3.gstatic.com/images?q=tbn:ANd9GcQ4Afm_yBcqF1ii3kpo-1Aeexz1XwbDISaW79vAt77zTn47X4M&t=1&usg=__NscjRv8dUDM3_088tBecw4-Wyro=" width="200" /></span></a></div><div><span class="Apple-style-span" style="color: white;"><br />
</span></div></div><div><b><u><span class="Apple-style-span" style="color: white;">KEBAIKAN</span></u></b><span class="Apple-style-span" style="color: white;"> </span></div><div><ol><li><span class="Apple-style-span" style="color: white;">drp x dpt menabung, dah leh menabung dah skng..</span></li>
<li><span class="Apple-style-span" style="color: white;">duit bnje ttp same, kalo dulu dpt gaji 3k, habis. Skng dah leh simpan! x luak pon!</span></li>
<li><span class="Apple-style-span" style="color: white;">lg byk simpan, lg byk untung! </span></li>
</ol><div class="separator" style="clear: both; text-align: center;"><a href="http://t2.gstatic.com/images?q=tbn:ANd9GcR6tjGaEBKtXt-obBradQf4m5cHr3Ov6xZtln61ppPPSTomNXI&t=1&usg=__MUws832Wmbeuoy3khFDNGeS6j_E=" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span class="Apple-style-span" style="color: white;"><img border="0" src="http://t2.gstatic.com/images?q=tbn:ANd9GcR6tjGaEBKtXt-obBradQf4m5cHr3Ov6xZtln61ppPPSTomNXI&t=1&usg=__MUws832Wmbeuoy3khFDNGeS6j_E=" /></span></a></div><div><span class="Apple-style-span" style="color: white;"><br />
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</span></div><div><u><b><span class="Apple-style-span" style="color: white;">KEBURUKAN</span></b></u></div><div><ol><li><b><span class="Apple-style-span" style="color: white;">Masa</span></b><span class="Apple-style-span" style="color: white;"> - thats why aku letakkan application M2U ASB, selain tu korg kene g atm machine utk CA. kalo malas, wat online payment je sumer!</span></li>
<li><b><span class="Apple-style-span" style="color: white;">Interest</span></b><span class="Apple-style-span" style="color: white;"> - charge pengeluaran CA (2% ~ 5% -bergantung pd bank) Yg ni korg kene kira skali. Dgn ini, korg kene byr lebih</span></li>
</ol><div class="separator" style="clear: both; text-align: center;"></div><div class="separator" style="clear: both; text-align: center;"><a href="http://t1.gstatic.com/images?q=tbn:ANd9GcRGuE3a5CDLQ5HTO_6A_Mj_FTa2nNMik5IzajI8B-KjEe33juM&t=1&usg=__XGtSbCCq5idWBm5Dqnl570P_cc8=" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span class="Apple-style-span" style="color: white;"><img border="0" src="http://t1.gstatic.com/images?q=tbn:ANd9GcRGuE3a5CDLQ5HTO_6A_Mj_FTa2nNMik5IzajI8B-KjEe33juM&t=1&usg=__XGtSbCCq5idWBm5Dqnl570P_cc8=" /></span></a></div><div><span class="Apple-style-span" style="color: white;"><br />
</span></div></div><div style="text-align: center;"><div style="text-align: left;"><b><u><span class="Apple-style-span" style="color: white;">RISIKO</span></u></b></div></div><div><div class="separator" style="clear: both; text-align: center;"></div><ol><li><b><span class="Apple-style-span" style="color: white;">Control</span></b><span class="Apple-style-span" style="color: white;"> - Kene pandai kawal perbelanjaan, jgn lebih drp gaji. Kawal nafsu supaya tak terpakai OD, CC drp tujuan yg x sepatutnya</span></li>
<li><b><span class="Apple-style-span" style="color: white;">BLR - </span></b><span class="Apple-style-span" style="color: white;">kalo BNM kate naik, interest charge ke atas penggunaan OD korg pon turut naik </span></li>
<li><b><span class="Apple-style-span" style="color: white;">20 days Interest Free Period</span></b><span class="Apple-style-span" style="color: white;"> - kalo korg x byr CC seblm DD, korg akan di charge min 1% drp baki pinjaman korg</span></li>
<li><b><span class="Apple-style-span" style="color: white;">Dividend - </span></b><span class="Apple-style-span" style="color: white;">kalo dividend yg PNB declare jatuh drp benchmark 7%, korg akan mengalami mslh utk rolling </span></li>
</ol><div class="separator" style="clear: both; text-align: center;"><a href="http://t1.gstatic.com/images?q=tbn:ANd9GcRTit11sVVNs0TBfyI585u6eG-ecjaN20hkY0VVUnkFeMyJeuk&t=1&usg=__lSm48aYDkecwz9v6JelcxypS_pI=" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><span class="Apple-style-span" style="color: white;"><img border="0" height="192" src="http://t1.gstatic.com/images?q=tbn:ANd9GcRTit11sVVNs0TBfyI585u6eG-ecjaN20hkY0VVUnkFeMyJeuk&t=1&usg=__lSm48aYDkecwz9v6JelcxypS_pI=" width="200" /></span></a><a href="http://t2.gstatic.com/images?q=tbn:ANd9GcR947UC_NkVT_VAQYgx01E2r0u649-bmWCvhKUABcMZHhqT4xQ&t=1&usg=__KKPDNQAn22D0Q7003Eb9r5nKGzU=" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span class="Apple-style-span" style="color: white;"><img border="0" src="http://t2.gstatic.com/images?q=tbn:ANd9GcR947UC_NkVT_VAQYgx01E2r0u649-bmWCvhKUABcMZHhqT4xQ&t=1&usg=__KKPDNQAn22D0Q7003Eb9r5nKGzU=" /></span></a></div><div><span class="Apple-style-span" style="color: white;"><br />
</span></div></div><div><span class="Apple-style-span" style="color: white;">So, tamat la sudah sesi kelas <b>OD-ASB-CC</b> ni. Ingat, OD & kredit kad hanyalah sebagai <b>TOOLS </b>dan bukannye asset korg yg korg leh bebelanje sesuke ati. </span></div><div class="separator" style="clear: both; text-align: center;"><a href="http://t3.gstatic.com/images?q=tbn:ANd9GcSZCYzV9GFkFcilOJ-Aj0LNRxga703ROuVVHLVkBS4fS7zpZ9Q&t=1&usg=__dQ7R26ZAGkHuKA1jMo9kEZJf3ZY=" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><span class="Apple-style-span" style="color: white;"><img border="0" src="http://t3.gstatic.com/images?q=tbn:ANd9GcSZCYzV9GFkFcilOJ-Aj0LNRxga703ROuVVHLVkBS4fS7zpZ9Q&t=1&usg=__dQ7R26ZAGkHuKA1jMo9kEZJf3ZY=" /></span></a></div><div><span class="Apple-style-span" style="color: white;"><br />
</span></div><div><span class="Apple-style-span" style="color: white;">It is important to know the <b>RISKS </b>involve and to know how to minimize the damage. Try to compare konsep ni dgn OD-ASB-OD dlm Part 2. Ade pros & cons nye. Bergantung kpd tahap kewangan masing2. Kalo x phm, drop je soklan2 korg kt comment tu, kalo nk TT lg sng nk story the mory...</span></div><div><span class="Apple-style-span" style="color: white;"><br />
</span></div><div><span class="Apple-style-span" style="color: white;">orait, esok nk keje daa...berjumpe lg dlm sesi yg berikutnye bersama Abg Naz (haha..) dlm Managing Overdraft on ASB...salam</span></div>rocketeer999http://www.blogger.com/profile/08110586064727526462noreply@blogger.com1tag:blogger.com,1999:blog-64562109752776740.post-24440041796582711872010-10-25T00:24:00.001+08:002010-11-15T10:16:16.681+08:00Strategy Wang by Abang Abu. Pt 3<span class="Apple-style-span" style="color: white;"><object height="225" width="400"><param name="allowfullscreen" value="true" /><param name="allowscriptaccess" value="always" /><param name="movie" value="http://vimeo.com/moogaloop.swf?clip_id=15975592&server=vimeo.com&show_title=1&show_byline=1&show_portrait=1&color=&fullscreen=1&autoplay=0&loop=0" /><embed src="http://vimeo.com/moogaloop.swf?clip_id=15975592&server=vimeo.com&show_title=1&show_byline=1&show_portrait=1&color=&fullscreen=1&autoplay=0&loop=0" type="application/x-shockwave-flash" allowfullscreen="true" allowscriptaccess="always" width="400" height="225"></embed></object></span><br />
<a href="http://vimeo.com/15975592"><span class="Apple-style-span" style="color: white;">Video #3 - 10 Tips Untuk Kaya dan Berjaya dari Jutawan</span></a><span class="Apple-style-span" style="color: white;"> from <a href="http://vimeo.com/user3547882">Ammar Zahar</a> on <a href="http://vimeo.com/">Vimeo</a>.</span><br />
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<span class="Apple-style-span" style="color: white;">enjoy...</span>rocketeer999http://www.blogger.com/profile/08110586064727526462noreply@blogger.com0tag:blogger.com,1999:blog-64562109752776740.post-48008378664249050662010-10-23T17:18:00.000+08:002010-10-23T17:18:18.969+08:00OD vs Property Pt.1<div class="separator" style="clear: both; text-align: center;"><a href="http://t1.gstatic.com/images?q=tbn:ANd9GcTits_ZUuRAn6lufvEdiypo0KY0CThhhQw8JfRkRzFHUOkK0-c&t=1&usg=__yw_yFZGeAmuo6bzb8tDzOIoK6Ps=" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="119" src="http://t1.gstatic.com/images?q=tbn:ANd9GcTits_ZUuRAn6lufvEdiypo0KY0CThhhQw8JfRkRzFHUOkK0-c&t=1&usg=__yw_yFZGeAmuo6bzb8tDzOIoK6Ps=" width="320" /></a></div><br />
<div style="text-align: center;"><span class="Apple-style-span" style="font-size: xx-large;">ON</span></div><div style="text-align: center;"><span class="Apple-style-span" style="font-size: xx-large;"><br />
</span></div><div class="separator" style="clear: both; text-align: center;"><a href="http://t1.gstatic.com/images?q=tbn:ANd9GcSIrBwnwXhhJ1KJ2Ee6wnNQlyuHd4NnJaCOP63AksTeJ_HltdE&t=1&usg=__4LgfOmK1VgyRAeG-Cm85BjeTvlE=" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://t1.gstatic.com/images?q=tbn:ANd9GcSIrBwnwXhhJ1KJ2Ee6wnNQlyuHd4NnJaCOP63AksTeJ_HltdE&t=1&usg=__4LgfOmK1VgyRAeG-Cm85BjeTvlE=" /></a></div><br />
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Selamat Hari Sabtu atau Hari2 lain yg korg sambut hari ni (besday ke, anniversary ke, wateber lah ye..?)<br />
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ok lah, kite rehat dlu dr citer pasal ODASB, memandangkan dah byk sesgt blog2 FP (Financial Planner) dan citer pasal mende ni ye dak?<br />
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oklah untuk posting kali ni, aku nk intro skit pasal Overdraft bercagarkan Property. Xpenah dgr? Xpe, ni xyah dgr, bace je..hehe<br />
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Oklah kalo korg ingat balik, mase <a href="http://goldentainment.blogspot.com/2010/10/financial-mgt-odasb-pt-1-beginner-level.html">posting pertama aku pasal OD ni</a> aku ade huraikan ape kebendenye OD ni. So, aku xyah la nk citer lg ye, korg bace2 sendiri la basic nye kt situ...kalo ade soklan leh drop kt comment.<br />
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<div class="separator" style="clear: both; text-align: center;"></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEikGYQjxjCobjh9hbSYpb413WdMEAAVPlHeJx3EtzBuTUf8Vyc9-VoRQqol4kX_Lp6LvhK1e9BKwXNlYcBWNL1xoPUX9nioay02-P8Ihd4vF5YiTWBUb_RjqHon3poTzYCLpQYBh9hmvxI/s1600/BIZLOAN+CIMB2.JPG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEikGYQjxjCobjh9hbSYpb413WdMEAAVPlHeJx3EtzBuTUf8Vyc9-VoRQqol4kX_Lp6LvhK1e9BKwXNlYcBWNL1xoPUX9nioay02-P8Ihd4vF5YiTWBUb_RjqHon3poTzYCLpQYBh9hmvxI/s640/BIZLOAN+CIMB2.JPG" width="512" /></a></div><div style="text-align: center;"><br />
</div><div class="separator" style="clear: both; text-align: center;"></div><div class="separator" style="clear: both; text-align: center;"></div><div style="text-align: center;"><a href="http://www.cimbbank.com.my/index.php?ch=cb_per_hf&pg=cb_per_hf_buy&tpt=cimb_bank">details refer sini</a></div><div style="text-align: left;">ok, mcm yg korang leh nmpk kt atas ni, cnth aku amik dr CIMB Bank BizLoan, Features nye:</div><div style="text-align: left;"><br />
</div><blockquote><i><span class="Apple-style-span" style="font-size: x-large;">"Mempunyai combinasi drp 50% Term Loan & 50% Overdraft. "</span></i></blockquote><div style="text-align: left;"></div><div>so, bile korg apply pakej ni, korg akan diberi Term Loan (atau bhse mudah Personal Loan lah..) & Overdraft. </div><div>-andaikan pinjaman korg rm100k, korg cuma perlu byr 50% shj drp total pinjaman ni td</div><div>-ini adalah kerana 50% lg drp pinjaman korg tlh pon dibiayai oleh bank </div><div>-so, pendek kate korg tlh pon membyr separuh drp pinjaman tersebut lah kan? </div><div>-maka dgn ini, andai kate korg nk pakai duit nnt (utk investment ke, kawin ke dll..) korg bleh la kuarkan duit OD yg 50% ni td (bergantung pd syarat2 bank lah.) </div><div>-utk maklumat lanjut korg leh la refer bank2 yg menawarkan facility OD ni</div><div><br />
</div><div class="separator" style="clear: both; text-align: center;"><a href="http://www.cimbbank.com.my/images/bank/header/cimb_bank-logo.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://www.cimbbank.com.my/images/bank/header/cimb_bank-logo.gif" /></a></div><div style="text-align: center;"><a href="http://www.cimbbank.com.my/images/bank/header/cimb_bank-logo.gif">CIMB Bank</a></div><div style="text-align: center;"><br />
</div><div class="separator" style="clear: both; text-align: center;"><a href="http://www.hsbc.com.my/1/themes/html/hsbc_my_personal_left_menu/images/logo.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://www.hsbc.com.my/1/themes/html/hsbc_my_personal_left_menu/images/logo.gif" /></a></div><div style="text-align: center;"><a href="http://www.hsbc.com.my/1/2/personal-banking/home-loans/buying-your-first-home">Home Loan HSBC</a></div><div style="text-align: center;"><br />
</div><div class="separator" style="clear: both; text-align: center;"><a href="http://www.standardchartered.com.my/personal-banking/loans/home-loans/en/_images/banner.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="49" src="http://www.standardchartered.com.my/personal-banking/loans/home-loans/en/_images/banner.jpg" width="320" /></a></div><div style="text-align: center;"><a href="http://www.standardchartered.com.my/personal-banking/loans/home-loans/mortgageone/en/">Mortgage One </a></div><div style="text-align: left;"><br />
</div><div style="text-align: left;">Kebaikan:</div><div style="text-align: left;"><ol><li>Dgn ODProperty ni, korg leh memberanakkan duit korg kt tmpt lain </li>
<li>Korg leh jual/refinance asset utk memdptkan size OD yg lebih besar </li>
<li>Instalment bulanan yg tidak membebankan</li>
<li>Aplikasi yg same mcm OD, service OD ni dgn duit gaji, Bonus, duit extra yg lain utk mengurangkan interest </li>
</ol><div>Keburukkan:</div><div><ol><li>Hanya terhad pada sesetengah jenis hartanah (Business Property: shoplot, office lot - ini kalo Bizloan CIMB lah) </li>
<li>bile korg withdraw duit OD tu nnt, secara automatik monthly installment korg akan naik </li>
</ol><div>itu je lah setakat ni aku nk share, kalo ade komentar membena dipersilakan, especially drp org2 yg penah wat homeloan dgn bank2 yg aku nyatakan di atas..</div></div><div><br />
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</div></div>rocketeer999http://www.blogger.com/profile/08110586064727526462noreply@blogger.com0tag:blogger.com,1999:blog-64562109752776740.post-11844807756611530562010-10-20T02:06:00.003+08:002010-10-20T02:38:49.363+08:00A for Apple! B for Boy! Tu dulu boleh laaaaaaa <object height="225" width="400"><param name="allowfullscreen" value="true" /><param name="allowscriptaccess" value="always" /><param name="movie" value="http://vimeo.com/moogaloop.swf?clip_id=15701367&server=vimeo.com&show_title=1&show_byline=1&show_portrait=1&color=&fullscreen=1&autoplay=0&loop=0" /><embed src="http://vimeo.com/moogaloop.swf?clip_id=15701367&server=vimeo.com&show_title=1&show_byline=1&show_portrait=1&color=&fullscreen=1&autoplay=0&loop=0" type="application/x-shockwave-flash" allowfullscreen="true" allowscriptaccess="always" width="400" height="225"></embed></object><br />
<a href="http://vimeo.com/15701367">Video #1 Strategi Wang - Formula dan Rahsia Jutawan</a> from <a href="http://vimeo.com/user3547882">Ammar Zahar</a> on <a href="http://vimeo.com/">Vimeo</a>.<br />
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Sharing is Caring, aku x tau sape yg mula2 quote ayat ni, tp ayat ni sgt popular di kalangan forumer, blogger & yg sama waktu dgnnye...haha, sbb nye ni adalah posting ke 4 dlm mase 1 hari....byk yg aku nk share, makne nye aku caring le pade korg ye dak? iye kot...haha<br />
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orait~! posting yg ke 4 utk arini ni aku nk citer pasal sorg Singaporean Millionnaire yg lebih manje di panggil Abang Abu. Tak kenal? xpe, mula2 aku pon cmtu gak. So, aku intro la pasal die skit yeee<br />
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<ul><li><span class="Apple-style-span" style="font-family: arial, sans-serif; font-size: 16px;"><span title="">pengasas dan CEO of Now Asia. </span></span><span class="Apple-style-span" style="font-family: arial, sans-serif; font-size: 16px;"><span title="">Dia memiliki komitmen yang mendalam terhadap kejayaan orang muda dalam keusahawanan dan kecerdasan kewangan.</span></span></li>
<li><span class="Apple-style-span" style="font-family: arial, sans-serif; font-size: 16px;"><span title="">kepala Usahawan Muda Club, Naib Presiden Pengusaha Muda Rangkaian (YEN) dari Kamar Dagang Melayu Singapura & Industri</span></span></li>
<li><span class="Apple-style-span" style="font-family: arial, sans-serif; font-size: 16px;"><span title="">Toastmaster berkualiti dan merupakan bekas presiden kelab <a href="http://lengkeetmc.blogspot.com/">Toastmaster's Leng Kee</a></span></span></li>
<li><span class="Apple-style-span" style="font-family: arial, sans-serif; font-size: 16px;"><span title=""><span title="">Pengalamannya merangkumi mulai 6 perniagaan yang termasuk retail, F & B, dan money changer. </span><span style="color: black;" title=""><span class="Apple-style-span" style="background-color: yellow;">Sebagai seorang pelabur, dia saat ini mempunyai sejumlah hotel dan telah tersenarai dalam pasaran saham sejak usia 19 thn! (pergh~!)</span></span></span></span></li>
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</span></div><div><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;">ok, so what? ramai lg org Malaysia background cmni ye dak? mesti korg pon pikir die ni anak org kaye..korg silap. Bace sejarah hitam die kt </span><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;"><a href="http://jom-jimat.blogspot.com/2009/04/mentor-jutawan-permulaan-tragis-abang.html">sini</a></span></div><div><br />
</div><div><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;">ape yg aku nk kongsi ni Konsep Bagaimana Utk Berjaya yg die rangka,korg pon bleh tgk kt video tu. Sape2 yg xdpt ape yg die ckp tu, aku summary kan kt sini + bonus! (nak tau kne bace smpi abis)</span></div><div><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;"><br />
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</span></div><div><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;"><u><b>Formula A,B,C & D</b></u></span></div><div><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;"><b>A for Aim: </b>Simple, nk berjaya kene la ade matlamat. Hidup ni pon kene ade matlamat beb. Nak kawin, nak beli kete, rumah, nk ade bisnes sendiri. Sume ade matlamat. Sentiase tanye pd diri sendiri ape yg korang nk! jgn plak ikut2 atau tanye org lain ape yg korg nk! (nk ikut blh, tp biar dgn org yg btl!)</span></div><div><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;"><br />
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</b></span></div><div><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;"><b>B for Believe: </b>Believe in ur self, believe that u can! Biaq pi la ape org lain kate, kadang2 yg cakap tu pon x penah lalui...saje racun korg dgn ayat2 "ko bleh buat ke?" & mcm2 lg lah... lg 1, kadang org lain x racun pon, tp diri kite sendiri yg x yakin &pikir mcm2. Mcmane nk tingkatkan keyakinan diri? nk tingkatkan kepercayaan dlm sesuatu perbuatan? Buat homework, kaji dlu latar blkg, bykkan bertanya, dgr pendpt dr sudut berbeza, paling sng post je kt mane2 forum (aku suggest <a href="http://www.carigold.com/portal/modules/Jig/index.php">Carigold</a>) atau kt wall FB korg....mesti ade je yg menjwb</span></div><div><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;"><br />
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</span></div><div><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;"><b>C for Courage: </b>kalo korg bace background Abang Abu sblm die kaye, korg akan tau knp die jd kaye. Bkn sbb die main stock market, tp sbb kegagahan die. Die tau kalo die x buat die x mkn, adik2 die x mkn. Dan bile die buat, die buat btl2, bkn cuma nk untung sehari dua, tp cmne nk generate lg & lg! Knp? arini mgkn die berdua je dgn bini die, esk lusa? anak lg, xkan baru time tu nk buat bisnes balik? </span></div><div><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;"><br />
</span></div><div><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;">Courage: keberanian, kegagahan. Kalo korg nk Aim nk generate 20K dlm mase 1 thn,sanggup ke keje 4 part time sehari? Sanggup ke carik tin2, besi buruk utk jual? Sanggup ke wat loan & byr bulan2 sebyk rm400 ~ rm500? Bg yg bergaji besar xpe kot, tp yg tidak? Kalo rase x mampu cmne? Kene buat jgk beb!! Kalo korg x pakse diri korg sendiri, sape lg?</span></div><div><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;"><br />
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</b></span></div><div><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;"><b>D for DO: </b>Do as you plan! Do it until you can! Cannot ah? bg sampai bole maaaaa! Dah kalo korg mmg ade niat nk buat duit utk Aim korg. Rancang & Laksanakan. Do & Act. Dan sentiasa ade BACKUP PLAN. Thats why Abang Abu kate, Do it until you can..analyze kne plan gagal, kaji balik kt mane silap & start all over again. </span></div><div><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;"><br />
</span></div><div style="text-align: center;"><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;">"<i>Orang yg gagal adalah org yg berhenti mencuba" - Sarif Adam, bapak aku. </i></span></div><div><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;"><br />
</span></div><div><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;">Mmg bapak aku ckp cmtu, wpon die bkn someone famous arini, tp aku kagum. Sbb dgn gaji bersih dlm rm600/sbln. Die bleh sara kami & kos perubatan arwah mak aku, dr thn 1994 ~ smpi arwah meninggal thn 1997. </span></div><div><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;"><br />
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</span></div><div><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;"><u><b>Formula P+H+D </b></u></span></div><div><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;"><b>P for Passion: </b>Ade sesape penah untung bsr main forex kt sini? Dpt bonus 12, 13 bulan sbb prestasi korg memberangsangkan? Score 4 Flat every semester bkn sbb bwk toyol msk exam hall tp sbb study gile babeng siang mlm? Untung niaga bazar ramadan 20k ~30k???</span></div><div><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;"><br />
</span></div><div><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;">ape korg rase? Puas x? Kepuasan tu lah yg menjadikan kite teruskan ape yg kite buat tu. Keseronokkan pengalaman korg tu yg menjadikan korg ingin trus berjaya. Keghairahan korg, kegilaan korg dlm membuat 1-1 pekerjaan & akhirnya membuahkan hasil. </span></div><div><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;"><br />
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</span></div><div><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;">Bg yg x penah cuba, mgkn korg x rase lg cmne. Mgkn korg masih lg xde Courage utk alami sume ni. Korg hanye memujuk diri sendiri dgn berkata dlm hati <i>"ala, nasib je"</i> atau <i>"nak buat cmne..die blh la" </i>itu sume x membantu langsung! So start arini, cuba rase nikmatnye bile kite buat kerja dgn PASSION!</span></div><div><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;"><br />
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</span></div><div><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;"><i></i><b>H for Hunger:</b>hoh! mende lak ni? nk berjaya kene ikat perut ke? Bkn cmtu sedare, Hunger kt sini maksudnye keinginan utk mengecapi kepuasan tu lg & lg! Cnth kalo kite untung niaga pasar mlm jual ayam, kite mesti nk carik lg cmne nk generate lg byk keuntungan bkn saje dr ayam, sayur, daging malah kalo bijak leh beli rumah & sewakan! </span></div><div><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;"><br />
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</span></div><div><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;"><b>D for Desire:</b>aaa, ni penting. sbb dgn desire lah wujudnye Aim. katekan nk beli rumah, so korg aim la nk beli rumah. Plan cmne nk dptkan. Desire utk menjadi sorg jutawan. So Aim la jd jutawan. tetapkan matlamat & laksanakan sepertimana yg korg plan.</span></div><div><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;"><br />
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</span></div><div><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;">So tu lah pengalaman sorg yg penah gagal, byk hutang sana-sini. Tp bangkit & trus berdiri, berjalan lalu berlari. Hari ni mgkn dah x berlari lg. Mungkin terbang. Terbang bersama impian yg telah dikecapi olehnye. </span></div><div><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;"><br />
</span></div><div><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;">Jgn jadikan mslh kite sebagai 1 alasan. Tp jdkan mslh tu sebagai 1 pemangkin utk kite selesaikan! Huh!</span></div><div><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;"><br />
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<span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;">akhir kate dr Bob the Builder:</span></div><div><div class="separator" style="clear: both; text-align: center;"><a href="http://t0.gstatic.com/images?q=tbn:ANd9GcTxCz-N6qDyTtNHvTNJXaOqmCYbuhIrNV9z_Po08J4NqXaOFrA&t=1&usg=__fxL90GIR5vXeBEI7BK4D3bHjokQ=" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://t0.gstatic.com/images?q=tbn:ANd9GcTxCz-N6qDyTtNHvTNJXaOqmCYbuhIrNV9z_Po08J4NqXaOFrA&t=1&usg=__fxL90GIR5vXeBEI7BK4D3bHjokQ=" /></a></div><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;"> </span></div><div><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;"><br />
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<div style="text-align: center;"><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;">Aim utk kawin? </span></div><div style="text-align: center;"><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;"><a href="http://www.asaffiliatecentral.com/r/rocketeer99/69396dc3.html" target="_top"><img alt="" height="125" src="http://www.asaffiliatecentral.com/affiliate/accounts/default1/banners/125-x-125--3.gif" title="" width="125" /></a><img alt="" height="1" src="http://asaffiliatecentral.com/affiliate/scripts/imp.php?a_aid=rocketeer99&a_bid=69396dc3" style="border: 0;" width="1" /></span></div></div>rocketeer999http://www.blogger.com/profile/08110586064727526462noreply@blogger.com0tag:blogger.com,1999:blog-64562109752776740.post-5400780181960112012010-10-19T18:08:00.006+08:002010-10-19T19:35:23.362+08:00Financial Mgt: OD/ASB PT 2 (Advance Level)<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://t1.gstatic.com/images?q=tbn:ANd9GcTits_ZUuRAn6lufvEdiypo0KY0CThhhQw8JfRkRzFHUOkK0-c&t=1&usg=__yw_yFZGeAmuo6bzb8tDzOIoK6Ps="><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 368px; height: 137px;" src="http://t1.gstatic.com/images?q=tbn:ANd9GcTits_ZUuRAn6lufvEdiypo0KY0CThhhQw8JfRkRzFHUOkK0-c&t=1&usg=__yw_yFZGeAmuo6bzb8tDzOIoK6Ps=" border="0" alt="" /></a><br /><div style="text-align: center;"><span class="Apple-style-span" style="font-size: x-large;"><span class="Apple-style-span"><b>ON</b></span></span></div><div style="text-align: center;"><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="data:image/jpg;base64,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"><br 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border="0" alt="" /></a></div><br />Haha..boring kot, ssb tu rajin plak aku tulis blog arini (padahal keje x siap lg ni..haha, pdn muke aku) <div><br /></div><div>oklah, lanjutan dr post <a href="http://goldentainment.blogspot.com/2010/10/financial-mgt-odasb-pt-1-beginner-level.html">ODASB Part 1</a> aku kini meneruskan penulisan ilmu2 manipulasi OD ni. </div><div><br /></div><div>Seperti mana yg aku dah bgtau dlm part 1, ade dua (2) jenis investor or OD player </div><div><br /></div><div>a) Passive </div><div>b) Aggressive </div><div><br /></div><div><br /></div><div>- passive ni x byk cerita dlm game ODASB ni, selalu nye dirempit dgn 2 cara: </div><div><br /></div><div>1) simpan balik dgn kombinasi CC </div><div>2) simpan balik dgn meng-OD kan OD td (haha...) </div><div><br /></div><div><u><b>OD-ASB-OD</b></u></div><div><ul><li>asas kpd OD-ASB-OD adalah mudah, masukkan balik duit OD yg pertama td ke dlm ASB, dan ODkan die lg.</li><li>Dgn cara ini, ASB korg akan cpt penuh dgn keadaan luar biasa pantas nye</li><li>Dividen yg korg dpt pon of course la lg byk kan? Padahal korg kuarkan modal skit je (sekali) </li></ul><div>Comment:</div></div><div><ul><li>sesape saje yg menggunakan duit OD, akan dikenakan daily rest interest (rujuk current bank rate, fyi RHB: BLR - 1% where BLR as at 6.3%)</li><li>OD ni mcm kredit kad, korg byr ape yg korg pakai, x mcm Personal Loan, x pakai duit loan pon kene gak byr bln2 kan?</li><li>In short, setiap ringgit yg korg kuarkan tu akan di charge berdasarkan interest (mcm kredit card jgk la) </li><li>So, bile mane korg kuarkan duit OD td utk msk dlm ASB & ODkan balik, secara zahirnye korg dah menghalalkan diri korg dibelenggu oleh hutang OD (x phm? xpe, aku tunjuk contoh kt bwh) </li></ul><div style="text-align: center;"><span class="Apple-style-span" >click utk besarkan (kredit to bebas-hutang)</span></div></div><div><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEicfh6gM7PldjV5nwaDJBY5IIt3VbSKWgfd3Jib-4rXl3LkV26purVb2CwPgScV7j6Errd2p98pwzmI9nlOp-3SGXijTqpW6ETwNAXmMfruuBmAian4tkMyFUA-Yf64cYTNyuMHraCyrio/s1600/images+(3).jpg"><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEicfh6gM7PldjV5nwaDJBY5IIt3VbSKWgfd3Jib-4rXl3LkV26purVb2CwPgScV7j6Errd2p98pwzmI9nlOp-3SGXijTqpW6ETwNAXmMfruuBmAian4tkMyFUA-Yf64cYTNyuMHraCyrio/s320/images+(3).jpg" border="0" alt="" id="BLOGGER_PHOTO_ID_5529705712735496418" style="display: block; margin-top: 0px; margin-right: auto; margin-bottom: 10px; margin-left: auto; text-align: center; cursor: pointer; width: 320px; height: 194px; " /></a></div><div><ul><li>seperti contoh di atas, sekiranya korg pakai rm1000 dr OD korg, dan byr balik bile dpt gaji, korang akan di charge rm3.58 (mase ni BLR: 5.55% ) </li><li>akan tetapi, sesetgh bank dan ttpkan minimum charge utk OD sebln adalah rm5.00, walaupon korg pakai charge nye cume rm3.58 je</li><li>so, barang siapa yg meng-ODkan ODnye, akan dikenakan interest berdasarkan jumlah OD yg korg OD kan td! Byk tu!! Simulasi 1000 je dah rm3.58, bayangkan kalo rm50,000??</li><li>sekiranya korg x service OD td dlm tempoh 3 bln, pihak bank berhak utk menarik balik facility OD ni td. </li><li>Interest dpt dikurangkan dgn 'parking' gaji, side income, bonus, duit terpijak, etc korg & kuarkan balik hanya bile korg perlukan je, jgn kuarkan sumer sekaligus! kuar 1-1</li><li>Secara ringkas jika:</li><li><span class="Apple-tab-span" style="white-space:pre"> </span>1st OD: korg adalah 95% dr 100k = 95k</li><li><span class="Apple-tab-span" style="white-space:pre"> </span>2nd OD: 95% drp 95k = 90,250</li><li><br /></li><li>total ASB korg: 100k + 95k = 195k! , jika dividen setahun 7% = rm13,650! </li><li>bandingkan jika korg buat skali je: rm100k x 7% = rm7,000 je (kenaikan sebyk 48.72% !!)</li></ul><div><u><b>Keburukkan</b></u></div></div><div><ul><li>korg kne menanggung interest bulanan yg tinggi: rm 351.37/bln!, setahun: rm4,216.44!!</li><li>so, cuba kite kira balik untung bersih: rm13,650 - rm4,216.44 = <span class="Apple-style-span"><b><u>rm9,433.56</u></b></span></li><li>masih untung lbh skit drp tabungan biase (rm7,000) : beza sebyk rm2,433.56 (25.8%)</li><li>proses kelulusan OD yg lmbt, sedangkan korg dah menanggung hutang OD </li><li>anda dlm keadaan bahaya sekiranya bank rate naik (cnth kt atas tu cuma: 5.55% je)</li><li>So lg byk lah interest bln2 yg korg kne cover (lg teruk kalo korg buat 1st OD td pakai Personal Loan, kne byr bln2 + OD lg + kete lg + rumah + tu + ini (+ _+) mati ooo</li></ul><div><a href="http://t0.gstatic.com/images?q=tbn:ANd9GcQFJMblsrxG7DSx46gorRC5wgXWGKb5pCfB8izcadY7q-_Nras&t=1&usg=__KeqoWqNS_R8WJqh5eEZn8HCaOiA="><img src="http://t0.gstatic.com/images?q=tbn:ANd9GcQFJMblsrxG7DSx46gorRC5wgXWGKb5pCfB8izcadY7q-_Nras&t=1&usg=__KeqoWqNS_R8WJqh5eEZn8HCaOiA=" border="0" alt="" style="display: block; margin-top: 0px; margin-right: auto; margin-bottom: 10px; margin-left: auto; text-align: center; cursor: pointer; width: 256px; height: 192px; " /></a></div></div><div><br /></div>rocketeer999http://www.blogger.com/profile/08110586064727526462noreply@blogger.com2tag:blogger.com,1999:blog-64562109752776740.post-71731393592890572862010-10-19T15:36:00.008+08:002010-10-19T21:12:45.130+08:00Financial Mgt: OD/ASB PT 1 (Beginner Level)<div style="text-align: center;"><span class="Apple-style-span"><u><br /></u></span></div><br /><div style="text-align: center;"><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://takafulsmartmedic.files.wordpress.com/2009/07/amanah-saham-bumiputera1.png?w=122&h=119"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 122px; height: 119px;" src="http://takafulsmartmedic.files.wordpress.com/2009/07/amanah-saham-bumiputera1.png?w=122&h=119" border="0" alt="" /></a></div><div><br /></div>arini aku rajin skit, so aku ingat nk citer pasal OD, ramai yg dah tau, ramai jgk yg x tau. Aku anggapkan ramai yg x tau. <div><br /></div><div>OD atau overdraft adalah pinjaman yg diberikan oleh bank2 bercagarkan ASSET yg kite ada. </div><div><br /></div><div>Antara bende yg boleh dicagarkan adalah </div><div><br /></div><div>1) Fixed Deposit </div><div>2) Unit Trust aka Unit Amanah</div><div>3) Rumah </div><div>4) Emas</div><div><br /></div><div><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiOzC6ghiRGSb2vEWW-ZS50XHe64qkl5KiZmavpnjJQ0ZGEHFsUZkjWUWd8EAC-Y9mGiLc-33TwXIFezXBG6g4orXXqV4laopOU3ZHUIvIOnF1j37fisoPZmWI8JHrCzM-5emnnIFev6Ts/s1600/images+22.JPG"><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiOzC6ghiRGSb2vEWW-ZS50XHe64qkl5KiZmavpnjJQ0ZGEHFsUZkjWUWd8EAC-Y9mGiLc-33TwXIFezXBG6g4orXXqV4laopOU3ZHUIvIOnF1j37fisoPZmWI8JHrCzM-5emnnIFev6Ts/s320/images+22.JPG" border="0" alt="" id="BLOGGER_PHOTO_ID_5529670761014412626" style="display: block; margin-top: 0px; margin-right: auto; margin-bottom: 10px; margin-left: auto; text-align: center; cursor: pointer; width: 320px; height: 97px; " /></a></div><div><br /></div><div style="text-align: center;"><br /></div><div>utk post kali ni aku citer pasal Unit Trust aka Unit Amanah (sbb ni paling femes..haha)</div><div><br /></div><div>ASB adalah slh 1 asset yg blh dicagarkan, simple je </div><div><br /></div><div>a) bwk duit cash ke caw PNB yg terdekat (at least 11k ke atas, knp? nnt aku citer) </div><div>b) convertkan unit2 saham korg td kpd sijil</div><div><br /></div><div><a href="http://t0.gstatic.com/images?q=tbn:ANd9GcStJYpPLjBc7Z19AO_9RtppSCpXJkbZDbAxYME02Xl4Ri9_xdM&t=1&usg=__205q8S3CsahmB9IMMBQt8jWdQpk="><img src="http://t0.gstatic.com/images?q=tbn:ANd9GcStJYpPLjBc7Z19AO_9RtppSCpXJkbZDbAxYME02Xl4Ri9_xdM&t=1&usg=__205q8S3CsahmB9IMMBQt8jWdQpk=" border="0" alt="" style="cursor: pointer; width: 225px; height: 224px; " /></a></div><div><br /></div><div>c) bwk sijil korg tu ke bank yg offer OD vs ASB ni:</div><div><br /></div><div>- RHB: offer 95% payout, unlimited tenure</div><div>- CIMB: offer 90% payout, limit till age of 65</div><div>- Maybank: offer 90% payout, limit till age of 65</div><div><br /></div><div>d) pastu bank akan proses dlm lbh krg 2bulan kot</div><div>e) dah dpt nnt diorg bank akan bg debit card, cheque book, current acct </div><div><br /></div><div>p/s: utk makluman korg sumer permohonan OD telah pon diketatkan oleh PNB baru2 ni, antara syarat2 yg korg kne penuhi adalah:</div><div><br /></div><div><span class="Apple-style-span" style="font-family: 'lucida grande', tahoma, verdana, arial, sans-serif; "><span class="Apple-style-span" style="font-size: medium;"><i><blockquote>1)syarikat milikan tunggal</blockquote><blockquote><br />2)sijil2/lesen yang berkaitan spt PKK bg kontraktor,MoF klu berkaitan dgn kerja2membekal, (lampirkan sekali)</blockquote><blockquote><br />3)klu tak de dokumen diatas. .cukuplah sekadar SSM sahaja (mesti ada 3 helai)<br /><span class="Apple-tab-span" style="white-space:pre"> </span>a)borang D<br /><span class="Apple-tab-span" style="white-space:pre"> </span>b)maklumat pemilik<br /><span class="Apple-tab-span" style="white-space:pre"> </span>c)maklumat perniagaan</blockquote></i></span></span></div><div><br /></div><div>so, there you have it, sng je nk buat OD ni kan? lambat dgn cpt je bezanye...</div><div><br /></div><div>but, sampai la part yg paling penting dlm ODASB, yg slalu aku tye bile aku wat table talk @ advise</div><div><br /></div><div style="text-align: center;"><span class="Apple-style-span" style="font-size: x-large;"><span class="Apple-style-span">"ape yg korang nk buat dgn OD tersebut?"</span></span></div><div style="text-align: left;"><span class="Apple-style-span"><span class="Apple-style-span" style="font-size: medium;"><br /></span></span></div><div style="text-align: left;"><span class="Apple-style-span" style="font-size: medium;">"ahhh, ermmm..."</span></div><div style="text-align: left;"><span class="Apple-style-span" style="font-size: medium;">"aku ingat aku nk beli ____, ____ (isi tmpt kosong)"</span></div><div style="text-align: left;"><span class="Apple-style-span" style="font-size: medium;"><br /></span></div><div style="text-align: left;"><span class="Apple-style-span" style="font-size: medium;">adalah antara jawapan2 yg aku kerap dpt, tp biase aku bg jawapan utk diorg</span></div><div style="text-align: left;"><span class="Apple-style-span" style="font-size: medium;"><br /></span></div><div style="text-align: center;"><span class="Apple-style-span" style="font-size: medium;">"</span><span class="Apple-style-span" style="font-size: x-large;"><span class="Apple-style-span">ko nk buat pelaburan? ko nk jenis aggresive ke, pasif?"</span></span></div><div style="text-align: center;"><span class="Apple-style-span" style="font-size: x-large;"><span class="Apple-style-span"><br /></span></span></div><div style="text-align: left;"><span class="Apple-style-span" style="font-size: medium;">dan ramai jgk yg jwb aggresive, wpon die xtau apebende nye..haha, sorry... ok aku cite skit</span></div><div style="text-align: left;"><span class="Apple-style-span" style="font-size: medium;"><br /></span></div><div style="text-align: left;"><u><b><span class="Apple-style-span" style="font-size: large;">Passive Investor</span></b></u></div><div style="text-align: left;"><span class="Apple-style-span" style="font-size: medium;">-adalah mereka yg x byk mase utk manage kewangan sendiri </span></div><div style="text-align: left;"><span class="Apple-style-span" style="font-size: medium;">-ske wat keje sng</span></div><div style="text-align: left;"><span class="Apple-style-span" style="font-size: medium;">-senang citer simpan je balik dlm ASB (ni paling senang, tp ade byk cara utk simpan balik..nnt aku citer lg)</span></div><div style="text-align: left;"><span class="Apple-style-span" style="font-size: medium;"><br /></span></div><div style="text-align: left;"><u><b><span class="Apple-style-span" style="font-size: large;">Aggressive Investor</span></b></u></div><div style="text-align: left;"><span class="Apple-style-span" style="font-size: medium;">- adalah mereka yg merempit (bkn moto) dgn duit OD tersebut</span></div><div style="text-align: left;"><span class="Apple-style-span" style="font-size: medium;">- caranya? ok aku list down skit:</span></div><div style="text-align: left;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-tab-span" style="white-space:pre"> </span>i) Buat byr deposit beli rumah, pastu rumah tu sewakan </span></div><div style="text-align: left;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-tab-span" style="white-space:pre"> </span>ii) Beli emas, simpan & jual bile harga menjulang, target la dlm setahun (ni paling sng, ade byk cara nk main emas) </span></div><div style="text-align: left;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-tab-span" style="white-space:pre"> </span>iii) Buat bisnes: burger ke, kedai mkn ke, jual kerongsang ke, ape ke. Janji leh dpt untung..jgn jual dadah sudaaa</span></div><div style="text-align: left;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-tab-span" style="white-space:pre"> </span>iv) Wat pelaburan lain: masuk Asb lg ke, join Takaful ke, Public Mutual ke</span></div><div style="text-align: left;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-tab-span" style="white-space:pre"> </span>v) Ni paling Otai: <u><b><span class="Apple-style-span">KOMBINASI</span></b></u> Kesemua Diatas!</span></div><div style="text-align: left;"><span class="Apple-style-span" style="font-size: medium;"><br /></span></div><div style="text-align: left;"><span class="Apple-style-span" style="font-size: medium;"><br /></span></div><div style="text-align: left;"><span class="Apple-style-span" style="font-size: medium;"><br /></span></div><div style="text-align: left;"><span class="Apple-style-span" style="font-size: medium;"><br /></span></div><div style="text-align: left;"><span class="Apple-style-span" style="font-size: medium;">so bile aku terangkan pd diorg, lg byk persoalan yg dikemukakan...hehe, td main jwb je ye? Percaya x kebanyakkan org yg aku jumpe adalah org2 yg main ikut2 je, jd mangsa upline2 la..(ade MLM buat mende ni as diorg pye product buat duit), tersesat barat la, OD sakit la mcm2 lg lah....</span></div><div style="text-align: left;"><span class="Apple-style-span" style="font-size: medium;"><br /></span></div><div style="text-align: left;"><span class="Apple-style-span" style="font-size: medium;">paling kesian aku jumpe, ade sorg pakcik ni (actually bapak member aku) join seminar sorg otai ni, pastu byr rm400..tp? hampeh..xde follow up, xde monitoring dll. 2 kes aku jumpe, sorg lg member aku mase kt asrama Yayasan Sbk Bernam dlu (skng ni OD die dah sehat balik, bgs la) </span></div><div style="text-align: left;"><span class="Apple-style-span" style="font-size: medium;"><br /></span></div><div style="text-align: left;"><span class="Apple-style-span" style="font-size: medium;"><br /></span></div><div style="text-align: left;"><span class="Apple-style-span" style="font-size: medium;">bg aku, aku nk wat free financial assistant dlu..yelah, sape je la aku ni kan? setakat <a href="https://www.facebook.com/group.php?gid=116522485028306&v=info&ref=ts">Officer Team Overdraft</a> yg cabuk je...haha.. cuma aku bleh bg idea cmne nk perang je..senjatanye korg kene sediakan jgk, strategi nye kite citer bile korg dah ade senjata2 tu td.</span></div><div style="text-align: left;"><span class="Apple-style-span" style="font-size: medium;"><br /></span></div><div style="text-align: left;"><span class="Apple-style-span" style="font-size: medium;"><br /></span></div><div style="text-align: left;"><span class="Apple-style-span" style="font-size: medium;">p/s: utk posting ni aku x buat calculation utk korg, just bg raw idea je cmne ropenye OD/ASB tu, kang penuh figure2 kt sini, korg nk bace pon semak kan?</span></div><div style="text-align: left;"><span class="Apple-style-span" style="font-size: medium;"><br /></span></div><div style="text-align: left;"><span class="Apple-style-span" style="font-size: medium;">dah dpt dah apekebendenye OD tu? Good, next kite pegi ke <a href="http://goldentainment.blogspot.com/2010/10/financial-mgt-odasb-pt-2-advance-level.html">Part 2: Advance Level </a></span></div><div style="text-align: left;"><br /></div><div style="text-align: left;"><br /></div>rocketeer999http://www.blogger.com/profile/08110586064727526462noreply@blogger.com2tag:blogger.com,1999:blog-64562109752776740.post-27331075672552846272010-10-19T10:06:00.012+08:002010-11-15T16:36:55.336+08:00Promosi Kad Kahwin Baekk Punye!<div style="text-align: center;"><span class="Apple-style-span"><u><span class="Apple-style-span" style="color: white;"><br />
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</span></div><span class="Apple-style-span" style="color: white;">Promosi Kad Kahwin!</span><br />
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</span></div><div><span class="Apple-style-span" style="color: white;">Baru2 ni aku agak bz skit dgn projek2 rumah sewa aku, assignment keje & assignment blaja aku. time management yg sesgt tiiight. aku byk dpt call utk TT <a href="http://goldentainment.blogspot.com/2010/09/mesin-kad-kredit-pengenalan-pt-1.html">mesin credit card</a>, beli brg kemas dll..thx guys for all your support....sorry aku xdpt nk penuhi sumer undangan2 korg sumer. </span></div><div><span class="Apple-style-span" style="color: white;"><br />
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</span></div><div><span class="Apple-style-span" style="color: white;">Oklah, utk update kali ni, aku nk share 1 promosi baek pye khas utk pasangan2 yg plan utk kahwin dlm mase terdekat ni...best partnye, korg leh buat duit drp ni jgk...hehe</span></div><div style="text-align: center;"><span class="Apple-style-span" style="color: white;"><br />
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</span></div><div><img alt="" border="0" src="http://www.hotkadkahwin.com/images/gambar/produk/Magnolia/200x117/MG-2.gif" style="cursor: hand; cursor: pointer; display: block; height: 117px; margin: 0px auto 10px; text-align: center; width: 200px;" /></div><div><span class="Apple-style-span" style="color: white;">Sedikit pengenalan utk hotkadkahwin</span></div><div><span class="Apple-style-span" style="color: white;"><br />
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</span></div><div><span class="Apple-style-span" style="color: white;">1) <u><b>100% online</b></u>: drp ordering, payment, design, nk hantar map dll (delivery je la x online..haha)</span></div><div><span class="Apple-style-span" style="color: white;"><br />
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</span></div><div><span class="Apple-style-span" style="color: white;">2) <u><b>jimat mase</b></u>: kalo korg jenis bz, x sempat nk jln2 kt bride fair ke, kedai2 kad kawin ke, aku cadangkan order je dr diorg ni, mmg reliable..tgk je la testimoni <a href="http://www.hotkadkahwin.com/Semakan.html">kt sini</a> (as of 19hb Okt 2010)</span></div><div><span class="Apple-style-span" style="color: white;"><br />
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</span></div><div><span class="Apple-style-span" style="color: white;">3) <u><b>jimat $$$</b></u> : part ni yg paling best </span></div><div><span class="Apple-style-span" style="color: white;"><br />
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</span></div><div><span class="Apple-style-span" style="color: white;">semurah rm0.39 sen/pc je beb!! (kalo korg order 2000 lah...) bg yg nk saving bajet tu, aku mmg sarankan korg amik la dgn diorg ni</span></div><div><span class="Apple-style-span" style="color: white;"><br />
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</span></div><div><span class="Apple-style-span" style="color: white;">4) <u><b>Blh semak dulu</b></u>: korg bleg donlod design yg dah siap, so andai kate design tu dah ok, blh trus proceed dgn penghantaran.</span></div><div><span class="Apple-style-span" style="color: white;"><br />
</span></div><div><span class="Apple-style-span" style="color: white;"><br />
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</span></div><div><span class="Apple-style-span" style="color: white;"><br />
</span></div><div><span class="Apple-style-span" style="color: white;"><br />
</span></div><div><span class="Apple-style-span"><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; border-collapse: collapse; font-size: medium; line-height: 24px;"><span class="Apple-style-span"><span class="Apple-style-span" style="line-height: normal;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></span></span></div><div><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; border-collapse: collapse; font-family: Verdana; font-size: medium; line-height: 24px;"><span class="Apple-style-span" style="color: white;">5) <u><b>All in One center</b></u>: korg bleh order bunting, banner, sampul bercetak, kad terima kasih, bekas cenderahati. sumer korg leh buat kt sini</span></span></div><div><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; border-collapse: collapse; font-family: Verdana; font-size: medium; line-height: 24px;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></div><div><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; border-collapse: collapse; font-family: Verdana; font-size: medium; line-height: 24px;"><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 0px; -webkit-border-vertical-spacing: 0px; border-collapse: separate; font-family: Georgia, serif; font-size: 16px; line-height: normal;"><a href="http://www.hotkadkahwin.com/images/gambar/Front%20Page/Bunting.gif"><img alt="" border="0" src="http://www.hotkadkahwin.com/images/gambar/Front%20Page/Bunting.gif" style="cursor: pointer; float: left; height: 117px; margin-bottom: 10px; margin-left: 0px; margin-right: 10px; margin-top: 0px; width: 200px;" /></a></span></span></div><div><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; border-collapse: collapse; font-family: Verdana; font-size: medium; line-height: 24px;"><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 0px; -webkit-border-vertical-spacing: 0px; border-collapse: separate; font-family: Georgia, serif; font-size: 16px; line-height: normal;"><a href="http://www.hotkadkahwin.com/images/gambar/Front%20Page/Banner.gif"><img alt="" border="0" src="http://www.hotkadkahwin.com/images/gambar/Front%20Page/Banner.gif" style="cursor: pointer; float: left; height: 117px; margin-bottom: 10px; margin-left: 0px; margin-right: 10px; margin-top: 0px; width: 200px;" /></a></span></span></div><div><a href="http://www.hotkadkahwin.com/images/gambar/Front%20Page/box-frontpage.gif"><img alt="" border="0" src="http://www.hotkadkahwin.com/images/gambar/Front%20Page/box-frontpage.gif" style="cursor: pointer; float: left; height: 117px; margin-bottom: 10px; margin-left: 0px; margin-right: 10px; margin-top: 0px; width: 200px;" /></a></div><div><a href="http://www.hotkadkahwin.com/images/gambar/Front%20Page/Envelope-Bercetak.gif"><img alt="" border="0" src="http://www.hotkadkahwin.com/images/gambar/Front%20Page/Envelope-Bercetak.gif" style="cursor: pointer; float: left; height: 117px; margin-bottom: 10px; margin-left: 0px; margin-right: 10px; margin-top: 0px; width: 200px;" /></a></div><div><span class="Apple-style-span" style="color: white;"><br />
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<div><span class="Apple-style-span"><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; border-collapse: collapse; font-size: medium; line-height: 24px;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></div><div><span class="Apple-style-span"><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; border-collapse: collapse; font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></div><div><span class="Apple-style-span"><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; border-collapse: collapse; font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></div><div><span class="Apple-style-span"><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; border-collapse: collapse; font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></div><div><span class="Apple-style-span"><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; border-collapse: collapse; font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></div><div><span class="Apple-style-span"><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; border-collapse: collapse; font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></div><div><span class="Apple-style-span"><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; border-collapse: collapse; font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></div><div><span class="Apple-style-span"><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; border-collapse: collapse; font-size: medium; line-height: 24px;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></div><div><span class="Apple-style-span"><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; border-collapse: collapse; font-size: medium; line-height: 24px;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></div><div style="text-align: center;"><span class="Apple-style-span"><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; border-collapse: collapse; font-size: medium; line-height: 24px;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></div><div style="text-align: center;"><span class="Apple-style-span"><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; border-collapse: collapse; font-size: medium; line-height: 24px;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></div><div style="text-align: center;"><span class="Apple-style-span"><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; border-collapse: collapse; font-size: medium; line-height: 24px;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></div><div style="text-align: center;"><span class="Apple-style-span"><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; border-collapse: collapse; font-size: medium; line-height: 24px;"><span class="Apple-style-span" style="color: white;">tempahan klik pd link dibawah</span></span></span></div><div style="text-align: center;"><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; border-collapse: collapse; font-size: medium; line-height: 24px;"><a href="http://www.asaffiliatecentral.com/r/rocketeer99/77ba3a15.html" target="_top"><span class="Apple-style-span" style="color: white;"><img alt="" height="60" src="http://www.asaffiliatecentral.com/affiliate/accounts/default1/banners/180-x-60-1.gif" title="" width="180" /></span></a><span class="Apple-style-span" style="color: white;"><img alt="" height="1" src="http://asaffiliatecentral.com/affiliate/scripts/imp.php?a_aid=rocketeer99&a_bid=77ba3a15" style="border: 0;" width="1" /></span></span></div><div><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; border-collapse: collapse; font-size: medium; line-height: 24px;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></div><div><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; border-collapse: collapse; font-size: medium; line-height: 24px;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></div><div><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; border-collapse: collapse; font-size: medium; line-height: 24px;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></div><div><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; border-collapse: collapse; font-size: medium; line-height: 24px;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></div><div><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; border-collapse: collapse; font-size: medium; line-height: 24px;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></div><div><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; border-collapse: collapse; font-size: medium; line-height: 24px;"><span class="Apple-style-span" style="color: white;"><br />
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</span></span></div><div><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; border-collapse: collapse; font-size: medium; line-height: 24px;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></div><div><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; border-collapse: collapse; font-size: medium; line-height: 24px;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></div><div><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; border-collapse: collapse; font-size: medium; line-height: 24px;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></div><div><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; border-collapse: collapse; font-size: medium; line-height: 24px;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></div><div><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; border-collapse: collapse; font-size: medium; line-height: 24px;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></div><div><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; border-collapse: collapse; font-size: medium; line-height: 24px;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></div><div><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; border-collapse: collapse; font-size: medium; line-height: 24px;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></div><div><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; border-collapse: collapse; font-size: medium; line-height: 24px;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></div><div><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; border-collapse: collapse; font-size: medium; line-height: 24px;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></div><div style="text-align: center;"><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; border-collapse: collapse; line-height: 24px;"><span class="Apple-style-span" style="font-size: x-large;"><span class="Apple-style-span" style="color: white;">nanti dulu~!!</span></span></span></div><div><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; border-collapse: collapse; font-size: medium; line-height: 24px;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></div><div><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; border-collapse: collapse; font-size: medium; line-height: 24px;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></div><div><div style="text-align: center;"><span class="Apple-style-span"><u><span class="Apple-style-span" style="-webkit-text-decorations-in-effect: none;"><a href="http://upload.wikimedia.org/wikipedia/en/thumb/f/f1/Stop_hand_nuvola.svg/240px-Stop_hand_nuvola.svg.png"><img alt="" border="0" src="http://upload.wikimedia.org/wikipedia/en/thumb/f/f1/Stop_hand_nuvola.svg/240px-Stop_hand_nuvola.svg.png" style="cursor: pointer; display: block; height: 240px; margin-bottom: 10px; margin-left: auto; margin-right: auto; margin-top: 0px; text-align: center; width: 240px;" /></a></span></u></span></div><div><span class="Apple-style-span"><u><span class="Apple-style-span" style="color: white;"><br />
</span></u></span></div><span class="Apple-style-span" style="color: white;"><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; border-collapse: collapse; font-family: Verdana; font-size: medium; line-height: 24px;"></span></span><br />
<div style="text-align: center;"><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; border-collapse: collapse; font-family: Verdana; font-size: medium; line-height: 24px;"><i><span class="Apple-style-span" style="font-size: x-large;"><span class="Apple-style-span" style="color: white;">"Khas buat bakal-bakal pengantin yang akan melangsungkan perkahwinan pada hujung tahun ini (2010), bermula daripada 15 September 2010 hingga 31 Disember 2010, setiap tempahan kad pada kuantiti </span></span></i><u><b><i><span class="Apple-style-span" style="font-size: x-large;"><span class="Apple-style-span" style="color: white;">500pcs dan ke atas</span></span></i></b></u><i><span class="Apple-style-span" style="font-size: x-large;"><span class="Apple-style-span" style="color: white;"> akan menerima </span></span></i><u><b><i><span class="Apple-style-span" style="font-size: x-large;"><span class="Apple-style-span" style="color: white;">sampul bercetak secara PERCUMA mengikut bilangan kad yang ditempah</span></span></i></b></u><i><span class="Apple-style-span" style="font-size: x-large;"><span class="Apple-style-span" style="color: white;">...Ayuh buat tempahan sekarang!!!</span></span><span class="Apple-style-span" style="color: white;">"</span></i></span></div></div>rocketeer999http://www.blogger.com/profile/08110586064727526462noreply@blogger.com0tag:blogger.com,1999:blog-64562109752776740.post-50459494320777402992010-09-01T16:41:00.018+08:002010-11-15T16:33:21.101+08:00Mesin Kad Kredit: Pengenalan (Pt 1)<div style="text-align: center;"><u><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></u></div><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span><br />
<div style="text-align: center;"><u><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></u></div><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span><br />
<div style="text-align: center;"><u><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></u></div><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">salam ramadhan & salam merdeka, </span></span></span><br />
<div><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></div><div><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">rase nye dah lame x update blog hambe yg sempoi lg ntah ape2 ni...</span></span></span></div><div><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></div><div><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">oklah utk posting kali ni, aku nk citer pasal terminal credit card, </span></span></span></div><div><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></div><div><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></div><div><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><b><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></b></span></span></div><div><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><b><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">Ape Mende Mesin Kad Kredit ni??</span></span></b><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></span></div><div><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">Mesin Kad Kredit @ Merchant Terminal @ Credit Card Terminal @ Terminal Swipe @ Card Credit Machine </span></span></span></span><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">merupakan satu medium perantara untuk transaksi pembayaran di antara pemilik kad kredit, peniaga (ANDA) dan pihak bank.</span></span></span></span><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"> </span></span></span><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"> </span></span></span><br />
<div style="font-family: 'Times New Roman'; text-align: justify;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><span class="Apple-style-span" style="font-family: verdana;"></span></span></span><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">Terminal tersebut digunakan bagi memudahkan ANDA sebagai peniaga memberi kemudahan pembayaran kepada pemilik-pemilik kad kredit melakukan belian barangan atau perkhidmatan di premis anda.</span></span></span></span></div></div><div style="font-family: 'Times New Roman'; text-align: justify;"><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></span></div><div style="font-family: 'Times New Roman'; text-align: justify;"><span style="font-family: Calibri, sans-serif; line-height: 17px;"><span class="Apple-style-span" style="color: white;"><span class="Apple-style-span" style="font-size: medium;"></span></span></span><br />
<div style="font-family: 'Times New Roman'; font-size: medium; line-height: normal; text-align: justify;"><span style="font-family: Calibri, sans-serif; line-height: 17px;"><span class="Apple-style-span" style="font-size: medium;"><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></span></span></span></div><div style="font-family: 'Times New Roman'; font-size: medium; line-height: normal; text-align: justify;"><span style="font-family: Calibri, sans-serif; line-height: 17px;"><span class="Apple-style-span" style="font-size: medium;"><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></span></span></span></div><div style="font-family: 'Times New Roman'; font-size: medium; line-height: normal; text-align: justify;"><span style="font-family: Calibri, sans-serif; line-height: 17px;"><span class="Apple-style-span" style="font-size: medium;"><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><b><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></b></span></span></span></span></div><div style="font-family: 'Times New Roman'; font-size: medium; line-height: normal; text-align: justify;"><span style="font-family: Calibri, sans-serif; line-height: 17px;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="font-family: verdana; line-height: 17px;"><b><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">Kenapa PERLU untuk memiliki Mesin Kad Kredit?</span></span></b></span></span></span></div><div style="font-family: 'Times New Roman'; font-size: medium; line-height: normal; text-align: justify;"><span style="font-family: Calibri, sans-serif; line-height: 17px;"><span class="Apple-style-span" style="font-size: medium;"><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></span><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></span></span></span></div><div style="font-family: 'Times New Roman'; font-size: medium; line-height: normal; text-align: justify;"><span style="font-family: Calibri, sans-serif; line-height: 17px;"><span class="Apple-style-span" style="font-size: medium;"><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></span></span></span></div><div style="font-family: 'Times New Roman'; font-size: medium; line-height: normal; text-align: justify;"><span style="font-family: Calibri, sans-serif; line-height: 17px;"><span class="Apple-style-span" style="font-size: medium;"><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></span></span></span></div><div style="font-family: 'Times New Roman'; font-size: medium; line-height: normal; text-align: justify;"><span style="font-family: Calibri, sans-serif; line-height: 17px;"><span class="Apple-style-span" style="font-size: medium;"><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">Mesin Kad Kredit </span></span></span></span><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">amat diperlukan bagi setiap premis perniagaan yang berhasrat untuk menawarkan kaedah pembayaran alternatif kepada pelanggan mereka.</span></span></span></span></span></span></div><span style="font-family: Calibri, sans-serif; line-height: 17px;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="line-height: normal;"><small><small><small><small><small><small><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></small></small></small></small></small></small></span><div style="font-family: 'Times New Roman'; font-size: medium; line-height: normal; text-align: justify;"><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">Jualan perniagaan ANDA tidak sepatutnya hanya bergantung kepada TUNAI sahaja, malahan ianya boleh dipertingkatkan melalui penggunaan KAD juga.</span></span></span></span></div><span class="Apple-style-span" style="line-height: normal;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></span><div style="font-family: 'Times New Roman'; font-size: medium; line-height: normal; text-align: justify;"><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">Bezanya, wang jualan tersebut akan anda terima dalam tempoh 2 hingga 5 hari bekerja, dan ianya terus di</span></span></span><i><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"> bank-in</span></span></span></i><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"> ke akaun bank perniagaan anda.</span></span></span></span></div><div style="font-family: 'Times New Roman'; font-size: medium; line-height: normal; text-align: justify;"><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></span></div><div style="font-family: 'Times New Roman'; font-size: medium; line-height: normal; text-align: justify;"><span class="Apple-style-span" style="color: white;"><span style="font-family: Calibri, sans-serif; font-size: 11pt; line-height: 17px;"></span></span><br />
<div style="font-family: Tahoma; font-size: medium; line-height: normal; text-align: left;"><span style="font-family: Calibri, sans-serif; font-size: 11pt; line-height: 17px;"><small><small><small><small><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></small></small></small></small></span></div><div style="font-family: Tahoma; font-size: medium; line-height: normal; text-align: left;"><span style="font-family: Calibri, sans-serif; font-size: 11pt; line-height: 17px;"><small><small><small><small><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></small></small></small></small></span></div><div style="font-family: Tahoma; font-size: medium; line-height: normal; text-align: left;"><span style="font-family: Calibri, sans-serif; font-size: 11pt; line-height: 17px;"><small><small><small><small><span class="Apple-style-span" style="font-family: verdana;"><b><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">Apa aplikasi yang terdapat di dalam Mesin Kad Kredit?</span></span></b></span></small></small></small></small></span></div><span style="font-family: Calibri, sans-serif; font-size: 11pt; line-height: 17px;"><span class="Apple-style-span" style="line-height: normal;"><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">Selain menerima pembayaran kad kredit, mesin ini turut menerima pembayaran bagi 2 jenis kad yang lain iaitu </span></span></span><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">KAD DEBIT</span></span></span><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"> dan </span></span></span><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">KAD BANK</span></span></span><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"> (ATM - 12 bank). Di samping itu juga, mesin ini turut dilengkapi aplikasiprogram </span></span></span><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">Easy Payment 0% </span></span></span><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">(ditawar oleh bank) dan untuk</span></span></span></span></span><span class="Apple-style-span" style="line-height: normal;"><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"> </span></span></span></span></span><span class="Apple-style-span" style="line-height: normal;"><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">PENDAFTARAN</span></span></span></span></span><span class="Apple-style-span" style="line-height: normal;"><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"> kad prepaid bank.</span></span></span></span></span><div style="font-family: 'Times New Roman'; font-size: medium; line-height: normal; text-align: justify;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><span class="Apple-style-span" style="font-family: verdana;"></span></span></span><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">Oleh yang demikian, </span></span></span></span><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">peniaga </span></span></span></span><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">yang memohon mesin ini, akan menerima 5 aplikasi di dalam satu mesin.</span></span></span></span></div><div style="font-family: 'Times New Roman'; font-size: medium; line-height: normal; text-align: justify;"><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></span></div><div style="font-family: 'Times New Roman'; font-size: medium; line-height: normal; text-align: justify;"><span class="Apple-style-span" style="color: white;"><span style="font-family: Calibri, sans-serif; font-size: 11pt; line-height: 17px;"></span></span><br />
<div style="font-family: 'Times New Roman'; font-size: medium; line-height: normal; text-align: left;"><span style="font-family: Calibri, sans-serif; font-size: 11pt; line-height: 17px;"><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></span></span></div><div style="font-family: 'Times New Roman'; font-size: medium; line-height: normal; text-align: left;"><span style="font-family: Calibri, sans-serif; font-size: 11pt; line-height: 17px;"><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></span></span></div><div style="font-family: 'Times New Roman'; font-size: medium; line-height: normal; text-align: left;"><span style="font-family: Calibri, sans-serif; font-size: 11pt; line-height: 17px;"><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></span></span></div><div style="font-family: 'Times New Roman'; font-size: medium; line-height: normal; text-align: left;"><span style="font-family: Calibri, sans-serif; font-size: 11pt; line-height: 17px;"><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></span></span></div><div style="font-family: 'Times New Roman'; font-size: medium; line-height: normal; text-align: left;"><span style="font-family: Calibri, sans-serif; font-size: 11pt; line-height: 17px;"><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><b><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">B</span></span></b></span></span><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><b><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">agaimana untuk memiliki Mesin Kad Kredit</span></span></b></span></span><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><b><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">?</span></span></b></span></span></span></div><div style="font-family: Tahoma; font-size: medium; line-height: normal; text-align: justify;"><span style="font-family: Calibri, sans-serif; font-size: 11pt; line-height: 17px;"><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">Untuk memiliki sebuah</span></span></span><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"> Mesin Kad Kredit</span></span></span><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">,</span></span></span><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"> </span></span></span><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">anda perlu memohon dengan pihak bank. Ia semakin mudah melalui ejen perantara, memandangkan ejen lebih memahami berkaitan prosedur permohonan</span></span></span></span><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">.<br />
</span></span></span></span></div><div style="font-family: 'Times New Roman'; font-size: medium; line-height: normal; text-align: justify;"><span style="font-family: Calibri, sans-serif; font-size: 11pt; line-height: 17px;"><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">Terdapat beberapa dokumen (yang tak mungkin didapati di bank) perlu dilengkapkan. Contohnya, '</span></span></span><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">Merchant Agreement</span></span></span><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">'</span></span></span></span><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">.</span></span></span><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></span></div><span style="font-family: Calibri, sans-serif; font-size: 11pt; line-height: 17px;"><span class="Apple-style-span" style="line-height: normal;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></span><div style="font-family: 'Times New Roman'; font-size: medium; line-height: normal; text-align: justify;"><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">Maklumat</span></span></span></span><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"> </span></span></span></span><span style="line-height: 17px;"><a href="file:///D:/%5CRIDUAN%20Creatives%5CMesinKadKredit.com%5CWeb%20Baru%5Cborang.html" style="text-decoration: none;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">borang permohonan</span></span></span></a><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"> </span></span></span></span><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">perlu diisi. Seterusnya, ejen kami akan membantu anda isi set borang 'Merchant Agreement' tersebut.</span></span></span></span></div><div style="font-family: 'Times New Roman'; font-size: medium; line-height: normal; text-align: justify;"><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></span></div><div style="font-family: 'Times New Roman'; font-size: medium; line-height: normal; text-align: justify;"><span class="Apple-style-span" style="color: white;"><span style="line-height: 17px;"></span></span><br />
<div style="font-family: Tahoma; font-size: medium; line-height: normal;"><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></span></div><div style="font-family: Tahoma; font-size: medium; line-height: normal;"><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></span></div><div style="font-family: Tahoma; font-size: medium; line-height: normal;"><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><b><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">J</span></span></b></span><span class="Apple-style-span" style="font-family: verdana;"><b><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">enis Terminal</span></span></b></span></span></div><div style="line-height: normal;"><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></span></div><div class="MsoNormal" style="font-family: 'Times New Roman'; font-size: medium; line-height: normal;"><span style="line-height: 17px;"><span style="line-height: 18px;"><small><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">Terdapat 2 jenis terminal yg digunakan sebagai medium menerima pembayaran kad kredit iaitu:-</span></span></span><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
<br />
</span></span></span><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">1) </span></span></span><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">EDC </span></span></span></small></span><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">(Electronic Draft Capture) </span></span></span><span style="line-height: 18px;"><small><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">Terminal</span></span></span><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"> - terminal disambung ke talian tetap telefon @ faks kedai.</span></span></span><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
<br />
</span></span><span class="Apple-style-span" style="font-family: Calibri, sans-serif;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">2) </span></span></span><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">GPRS Terminal</span></span></span><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"> - terminal tanpa wayar yg menggunakan kad sim.</span></span></span></span></span></small></span></span></div><div class="MsoNormal" style="font-family: 'Times New Roman'; font-size: medium; line-height: normal;"><span style="line-height: 17px;"><span style="line-height: 18px;"><small><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="line-height: 17px;"><b><span class="Apple-style-span"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">EDC TERMINAL</span></span></span></b></span></span></small></span></span></div><span style="line-height: 17px;"><span class="Apple-style-span" style="line-height: normal;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><img border="0" src="http://photos-819.friendster.com/e1/photos/91/86/41136819/1_436656337l.jpg" /></span></span></span></span><span class="Apple-style-span" style="line-height: normal;"><span class="Apple-style-span" style="font-family: verdana;"><b><span class="Apple-style-span" style="font-weight: normal; line-height: 17px;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></b></span></span></span></div><div style="font-family: 'Times New Roman'; font-size: medium; line-height: normal; text-align: justify;"><span style="line-height: 17px;"><span class="Apple-style-span" style="line-height: normal;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="line-height: 17px;"><b><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">GPRS TERMINAL</span></span></b></span></span></span></span></div><div style="font-family: 'Times New Roman'; font-size: medium; line-height: normal; text-align: justify;"><span style="line-height: 17px;"><span class="Apple-style-span" style="line-height: normal;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><b></b></span></span><span class="Apple-style-span" style="line-height: 17px;"><b><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></b></span></span></span><span class="Apple-style-span" style="line-height: normal;"><small><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><img border="0" src="http://photos-819.friendster.com/e1/photos/91/86/41136819/1_560237886l.jpg" /><br />
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</span></span></span></small></span><span class="Apple-style-span" style="line-height: normal;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
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</span></span></span></span><span class="Apple-style-span" style="font-family: verdana;"><b><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></b></span></span></div><div style="font-family: 'Times New Roman'; font-size: medium; line-height: normal; text-align: justify;"><span style="line-height: 17px;"><span class="Apple-style-span" style="line-height: normal;"><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></span></span></span></div><div style="font-family: 'Times New Roman'; font-size: medium; line-height: normal; text-align: justify;"><span style="line-height: 17px;"><span class="Apple-style-span" style="line-height: normal;"><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></span></span></span></div><div style="font-family: 'Times New Roman'; font-size: medium; line-height: normal; text-align: justify;"><span style="line-height: 17px;"><span class="Apple-style-span" style="line-height: normal;"><b><span style="line-height: 17px;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="color: white;"><span class="Apple-style-span" style="font-family: 'Times New Roman'; font-size: medium; font-weight: normal; line-height: normal;"></span></span></span></span></span></b></span></span><br />
<div class="MsoNormal" style="margin-left: 0.25in; text-align: left;"><span style="line-height: 17px;"><span class="Apple-style-span" style="line-height: normal;"><b><span style="line-height: 17px;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-family: 'Times New Roman'; font-size: medium; font-weight: normal; line-height: normal;"><span style="font-family: Calibri, sans-serif; line-height: 14px;"><b><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">Terdapat 2 cara untuk memohon sebuah mesin kad kredit iaitu :-</span></span></b></span></span></span></span></span></b></span></span></div><div class="MsoNormal" style="margin-left: 0.25in; text-align: left;"><span style="line-height: 17px;"><span class="Apple-style-span" style="line-height: normal;"><b><span style="line-height: 17px;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-family: 'Times New Roman'; font-size: medium; font-weight: normal; line-height: normal;"><span style="font-family: Calibri, sans-serif; line-height: 14px;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">1. Memohon terus dengan bank.<br />
2. Memohon dengan ejen</span></span></span><span style="font-family: Calibri, sans-serif; line-height: 14px;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">.</span></span></span></span></span></span></span></b></span></span></div><div class="MsoNormal" style="margin-left: 0.25in; text-align: left;"><span style="line-height: 17px;"><span class="Apple-style-span" style="line-height: normal;"><b><span style="line-height: 17px;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-family: 'Times New Roman'; font-size: medium; font-weight: normal; line-height: normal;"><span style="font-family: Calibri, sans-serif; line-height: 14px;"><b><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">Kelemahan memohon terus dengan pihak bank :-</span></span></b></span></span></span></span></span></b></span></span></div><div class="MsoNormal" style="margin-left: 0.25in; text-align: left;"><span style="line-height: 17px;"><span class="Apple-style-span" style="line-height: normal;"><b><span style="line-height: 17px;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-family: 'Times New Roman'; font-size: medium; font-weight: normal; line-height: normal;"><span style="font-family: Calibri, sans-serif; line-height: 14px;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">1. Bank menetapkan target penggunaan kad bulanan (>RM20k). </span></span></span><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span><span style="font-family: Calibri, sans-serif; line-height: 14px;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">2.</span></span></span><span style="font-family: Calibri, sans-serif; line-height: 14px;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"> Kadar sewa terminal yang tinggi (>RM100 sebulan). </span></span></span><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span><span style="font-family: Calibri, sans-serif; line-height: 14px;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">3</span></span></span><span style="font-family: Calibri, sans-serif; line-height: 14px;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">. Tempoh proses permohonan yang panjang (hampir 2 bulan)</span></span><i><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"> </span></span></i></span><span style="font-family: Calibri, sans-serif; line-height: 14px;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">- tiada</span></span><i><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">follow-up </span></span></i></span><span style="font-family: Calibri, sans-serif; line-height: 14px;"><i><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">. </span></span></i></span><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span><span style="font-family: Calibri, sans-serif; line-height: 14px;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">4. Kemungkinan peniaga kecil tidak dilayan oleh pegawai bank (</span></span><span style="font-style: italic;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">account manager, merchant unit</span></span></span><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">) atas faktor bukan target pelanggan yang digemari. </span></span></span><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span><span style="font-family: Calibri, sans-serif; line-height: 14px;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">5. Pegawai bank </span></span></span><span style="font-family: Calibri, sans-serif; line-height: 14px;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">(</span></span><span style="font-style: italic;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">account manager, merchant unit</span></span></span><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">) </span></span></span><span style="font-family: Calibri, sans-serif; line-height: 14px;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">lebih berminat dengan peniaga besar & banyak rangkaian untuk capai target jualan peribadi.</span></span></span></span></span></span></span></b></span></span></div><div class="MsoNormal" style="margin-left: 0.25in; text-align: left;"><span style="line-height: 17px;"><span class="Apple-style-span" style="line-height: normal;"><b><span style="line-height: 17px;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-family: 'Times New Roman'; font-size: medium; font-weight: normal; line-height: normal;"><span style="font-family: Calibri, sans-serif; line-height: 14px;"><b><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">Kelebihan memohon dengan kami :-</span></span></b></span></span></span></span></span></b></span></span></div><div class="MsoNormal" style="margin-left: 0.25in; text-align: left;"><span style="line-height: 17px;"><span class="Apple-style-span" style="line-height: normal;"><b><span style="line-height: 17px;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-family: 'Times New Roman'; font-size: medium; font-weight: normal; line-height: normal;"><span style="font-family: Calibri, sans-serif; line-height: 14px;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">1. TIADA target jualan bulanan. </span></span></span><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span><span style="font-family: Calibri, sans-serif; line-height: 14px;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">2.</span></span></span><span style="font-family: Calibri, sans-serif; line-height: 14px;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"> Kadar sewa terminal yang boleh runding (ada diskaun). </span></span></span><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span><span style="font-family: Calibri, sans-serif; line-height: 14px;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">3</span></span></span><span style="font-family: Calibri, sans-serif; line-height: 14px;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">. Tempoh proses permohonan yang lebih singkat (<>. </span></span></span><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span><span style="font-family: Calibri, sans-serif; line-height: 14px;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">4. Kemungkinan peniaga kecil tidak dilayan oleh bank? - Tiada. Kami yang uruskan & jawab </span></span><span style="font-style: italic;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">query</span></span></span><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"> bagi pihak peniaga. </span></span></span><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span><span style="font-family: Calibri, sans-serif; line-height: 14px;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">5. Kami menyediakan borang penilaian (</span></span><span style="font-style: italic;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">evaluation form</span></span></span><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">) & analisis kewangan (</span></span><span style="font-style: italic;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">financial analysis</span></span></span><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">) bagi rujukan utama pihak bank - Tiada diskriminasi.</span></span></span></span></span></span></span></b></span></span></div><div class="MsoNormal" style="margin-left: 0.25in; text-align: center;"><span style="line-height: 17px;"><span class="Apple-style-span" style="line-height: normal;"><b><span style="line-height: 17px;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-family: 'Times New Roman'; font-size: medium; font-weight: normal; line-height: normal;"><span style="font-family: Calibri, sans-serif; line-height: 14px;"><span class="Apple-style-span" style="line-height: normal;"><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><span class="Apple-style-span" style="font-family: 'Times New Roman'; line-height: normal;"></span></span></span></span></span></span></span></span></span></span></span></b></span></span></div><span style="line-height: 17px;"><span class="Apple-style-span" style="line-height: normal;"><b><span style="line-height: 17px;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-family: 'Times New Roman'; font-size: medium; font-weight: normal; line-height: normal;"><span style="font-family: Calibri, sans-serif; line-height: 14px;"><span style="line-height: 17px;"><span class="Apple-style-span" style="font-family: verdana;"><span class="Apple-style-span" style="font-family: 'Times New Roman'; line-height: normal;"><div style="text-align: center;"><span style="font-family: Calibri, sans-serif; line-height: 14px;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></div><div style="text-align: center;"><span style="font-family: Calibri, sans-serif; line-height: 14px;"><b><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;">klik utk besarkan</span></span></b></span></div></span></span></span></span><div class="MsoNormal" style="margin-left: 0.25in; text-align: left;"><span style="font-family: Calibri, sans-serif; line-height: 14px;"><span class="Apple-style-span" style="font-family: Georgia, serif; line-height: normal;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjG11DTR5AbVBfW-2Xm3_1a20b9xvJUh4zik80zSnh1Fi2_0Et4x7tDw-PGhzOtSHccQFxKW9KquMORnvDmd-G_jYICo-9aIv7hVNIb7zzZiTJqKmi4JX5syY1X435ajI1I7PhwVn1Miqo/s1600/iklaneka.gif"><img alt="" border="0" id="BLOGGER_PHOTO_ID_5511884012791907410" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjG11DTR5AbVBfW-2Xm3_1a20b9xvJUh4zik80zSnh1Fi2_0Et4x7tDw-PGhzOtSHccQFxKW9KquMORnvDmd-G_jYICo-9aIv7hVNIb7zzZiTJqKmi4JX5syY1X435ajI1I7PhwVn1Miqo/s320/iklaneka.gif" style="cursor: pointer; display: block; height: 320px; margin-bottom: 10px; margin-left: auto; margin-right: auto; margin-top: 0px; text-align: center; width: 236px;" /></a></span></span></div><div style="text-align: center;"><span class="Apple-style-span" style="font-family: Calibri, sans-serif;"><span class="Apple-style-span" style="line-height: 14px;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span></span></span></span></div><div class="MsoNormal" style="margin-left: 0.25in; text-align: left;"><span style="font-family: Calibri, sans-serif; font-size: 10pt; line-height: 14px;"><span class="Apple-style-span" style="-webkit-border-horizontal-spacing: 15px; -webkit-border-vertical-spacing: 15px; font-family: 'Times New Roman'; font-size: medium; line-height: normal;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="color: white;"><br />
</span> </span><br />
</span></span></div></span></span></span></span></b></span></span><div style="color: black;"></div></div></span><div style="color: black;"></div></div></span><div style="color: black;"></div></div></span></span></div>rocketeer999http://www.blogger.com/profile/08110586064727526462noreply@blogger.com0tag:blogger.com,1999:blog-64562109752776740.post-76951751342928950262010-02-14T17:37:00.001+08:002010-11-15T16:31:27.137+08:00Skyline? Fairlady? ahhh!<span class="Apple-style-span" style="color: white;">baru2 ni ade la mber2 aku ajak kuar lepak2..ingatkan dah lame x jumpe ade saje la nk ajak lepak, tp firasat aku betol....die nk jual produk die...Eumora..</span><br />
<div><span class="Apple-style-span" style="color: white;"><br />
</span></div><div><span class="Apple-style-span" style="color: white;">dlm die dok sebok citer pasal brg die tu, ade org lak tepon die. aku ingatkan ade la mamat mane nk minat nk join mende ni....alih2 die byk geng laaaaa....ai, ramai btol nk persuade aku join MLM ni...xpe2 lek dlu</span></div><div><span class="Apple-style-span" style="color: white;"><br />
</span></div><div><span class="Apple-style-span" style="color: white;">dlm ramai2 tu ade la sorg pakcik ni. diorg panggil coach. die tye aku watpe skng. aku pon jwb la aku wat property investment, gold trading....akan dtg live stock trading. die tye lg, </span></div><div><span class="Apple-style-span" style="color: white;"><br />
</span></div><div><span class="Apple-style-span" style="color: white;">"u<i> xnk ke join mende ni...leh dpt monthly rm40k, drp u tgu 5 thn baru dpt rm40k?"</i></span></div><div><i><span class="Apple-style-span" style="color: white;">"kite dah ramai hasilkan millionnaire, yg umo 20 thn pon dah leh pakai Fairlady, u xnk ke cmtu??"</span></i></div><div><i><span class="Apple-style-span" style="color: white;"><br />
</span></i></div><div><span class="Apple-style-span" style="color: white;">tetiba aku jd panas, lantak ko la nk pakai fairlady ke, skyline ke, ape kete2 tu leh redah jem ke? xyah isi minyak ke? elo...aku earn 40k xpyh jual pape pon...ni nk maintain sales plak utk dptkan 40k? xpyh laaa....bkn aku org nye cr la org len </span></div><div><span class="Apple-style-span" style="color: white;"><br />
</span></div><div><span class="Apple-style-span" style="color: white;">pade yg dah join tu, truskan la...aku x halang. mcm robert kiyosaki kate "which part are u? are u employee (mkn gaji) , self employed (keje sendiri), boss (bisnes owner) or Investor (pelabur) ? korang sendiri kt mane? </span></div><div><span class="Apple-style-span" style="color: white;"><br />
</span></div><div><span class="Apple-style-span" style="color: white;">pade aku, bile nk buat bisnes, kne pikir....ape produk kite, sape market kite, pastu price kite...kalo produk bagus mesti leh jual sape2 je, tp kalo market kte cume yg ade mslh kesihatan je cmne? plak tu bkn kite sorg je yg buat. ramai lg...harge plak, masuk akal ke tak? jgn la nk untung cpt, set brape korg nye profit margin % dlu! ni tak, maen ikut je....</span></div><div><span class="Apple-style-span" style="color: white;"><br />
</span></div><div><span class="Apple-style-span" style="color: white;">aku pon baru lg, so slh silap mintak mahap la...aku lbh ske invest mende yg mesti leh jual, kalo soap bar aku x abeh jual aku nk watpe? mkn? tp kalo gold bar? time harge tinggi xde org nk beli, aku leh pajak, leh convert jd barang kemas, rumah2 sewa aku xde org sewa aku jual la. xde buyer aku refinance. leh wat modal kambing aku plak, leh penuhkan asb aku...</span></div><div><span class="Apple-style-span" style="color: white;"><br />
</span></div><div><span class="Apple-style-span" style="color: white;">High risk high return. sumer org tau, tp cmne nk minimizekan risk tu? ape tools yg diperlukan? kalo korg blajo account, mesti tau yg liquidity tu penting, kne tau aset mane yg paling senang & cepat dicairkan. kalo stock sabun tu? Lu pikir la sendiri....</span></div><div><span class="Apple-style-span" style="color: white;"><br />
</span></div><div><span class="Apple-style-span" style="color: white;">kalo aku ade salah ckp ke ape ke mintak mahap la ye? dah name pon discussion, ade pro & cons. aku highlight cons je...heheh...tu ape yg aku pikir la. korang plak cmne? </span></div>rocketeer999http://www.blogger.com/profile/08110586064727526462noreply@blogger.com0