Credit Card vs Charge Card

Here's a quick and short information sharing.

1) Credit card - Use now, pay later. Can pay minimum payment, not necessarily paid in full

2) Charge Card - Use now, pay later. Must pay in full before due date. If failed, the card cannot be use until the full amount is settle.

to those ASB OD lover, i must say. go for charge card but please also consider this:
1) Annual fees
2) Convenient in making payment (in case the charge card is different from bank from your OD bank)

Charge card to consider:
From my favorite masculine bank......





This is what i copy-paste from their masculine website

Al Rajhi Charge Card-i offers:

• Up to 55 days of cost-free funds
• 24-hour ATM access at Al Rajhi Bank ATMs and ATMs displaying Visa PLUS signs
• Acceptance at millions of Visa outlets worldwide
• A Visa Wave feature for faster, secure and contactless transactions
• Monthly statements to track your spending
• Is in Compliance with Al Rajhi Bank (Malaysia) Shariah Standard

Thank you for reading

Panduan Mudah Teknik ASB OD ASB

Aku dpt sms, dari pembaca blog aku, soalannya berbunyi begini: 'Salam. Leh x ajar aku cara pengiraan dividen asb n interest OD?'

Mula2 mari kita fahamkan dahulu apa itu overdraft. Mengikut pemahaman aku, Ovedraft (biasanya org sebut OD) ialah jumlah wang yg diberi pinjam berdasarkan benda yang kita cagarkan. Benda yang biasanya dicagarkan ialah Sijil simpanan dan Hartanah. Kadar kemudahan OD ni berbeze ikut bank dan tgk benda yg dicagarkan Katakanlah kita mempunyai rumah bernilai rm100k, Mungkin bank akan meberikan margin 90 percent dari nilai rumah terbabit, tp katakanlah anda memiliki Sijil ASB, ada bank yang menawarkan sehingga 95% dari jumlah sijil ASB tersebut. Kita bleh lah gunakan duit tu sesedap rasa

Sebaliknya bank akan mengenakan charge interest tertentu (cth, 5%, 6%) berdasarkan amount yg kita pakai, dan sekiranya samapai ke satu tahap tak berbayar, bank berhak mengambil sijil/hartanah terbabit.

Beralih kepada konsep ASB – OD – ASB, Konsep ni adalah dimana asalnya duit kita ada dalam ASB -> kita jadikan sijil ->buat OD dgn bank gunakan sijil tadi --> Masukkan duit dari kemudahan OD td semula kedalam ASB

Matlamat: Maksimakan simpanan dlm asb dan seterusnya Maksimakan pulangan dividen

Kelebihan: Duit dlm ASB tu boleh pakai disaat-saat memerlukan, tp dividen dah x jadi maksimum ler kalau pakai

Tips berguna: kalau takde simpanan dlm ASB, anda tak boleh buat OD

Mari buat simulasi

Bagi memudahkan pemahaman. Aku letak perkataan INTEREST untuk refer kepada apa yang perlu dibayar, Manakala DIVIDEN refer kepada duit yg kita dapat.

Contoh:

Asal duit dlm ASB = 50k

Jadikan sijil 50k, Buat OD, Margin bank bagi 90%, maka duit OD yg boleh dipakai ialah = 45k

Masukkan semula dalam ASB = 43k

Why 43k? rm2k tu buat spare in-case nk guna time sesak or bayar interest bulan itu sendiri

Pendapatan dari asal rm50k yang ada kt asb x diceritakan kt sini. tak buat OD pun stilll dpt DIVIDEN. Kita nak kira apa yg leh dpt dr OD yg kita buat

Selepas 12bulan, dari simpanan rm43k di ASB. INTEREST OD ialah 5% manakala DIVIDEN ASB ialah 8%.

Kena bayar interest bank = rm43k*5% = rm2150

Dapat duit divident = rm43*8% = rm3440

Free2 jer untung = rm3440-rm2150 = rm1290

Ni real case (aku punya akaun OD ler).

Tgk gambar kt bawah, aku dh keluarkan dalam rm16000 dari akaun OD masukkan dlm ASB,

Tgk kt row 30 Sept (rm45.54), 31 Oct (rm49.64), itulah interest OD.

Katakan untuk 1 tahun INTEREST yg aku bayar ialah roughly rm50*12 bulan = RM600

ASB pulak announce DIVIDEN 8%, so aku dpt 16000*8% = RM1280

Margin DIVIDEN - INTEREST = RM680

Free2 jer kita dapat rm680 dgn hanya memindahkan duit ke akaun asb. Nampak mcm tak byk, tp memang berbaloilah dgn kerja mudah kita. Kalau nk lagi banyak, bleh la invest kt property, tp byk kerja dan byk kene mau sabar.

Demikianlah jawapan panjang terhadap SMS dia atas.

Jawapan pendek menggunakan khidmat pesanan ringkas adalah seperti dibawah: 'Exact pengiraan bergantung dgn interest rate od dgn dividen asb. Contoh, 10k dr akaun od masukkan dlm asb. Lepas 1 thn interest od katakan 6% dan dividen asb 8%. Ko bayar interest OD rm600, ko dpt dividen asb rm800. Ko untung rm200 free2 je. Gitu la concept dia.'

Kalau anda berminat nk tau lanjut pasal OD meggunakan sijil asb, anda boleh tgk posting saya disini

Sebarang persoalan boleh email kt azizul_mmu99@yahoo.com, tanya kt bahagian comment pun boleh. sms pun bleh 0193857600

Sharing is caring – Berkongsi bermakna prihatin

Satu Malaya dah tahu, lelaki melayu paling maskulin ialah.....

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Pakcik Rosham Nor

Persoalannya, Bank mana paling maskulin di Malaysia?

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Tanpa was-was lagi: Al Rajhi Bank

Kenapa ek? Ni aku kasi zoom kt logo dia

Last but not least, thank you for reading

Bukan Aku Sorang Saja Penentu Hidup Aku

The title of my blog when i start this blog is 'Akulah Penentu Hidupku' or 'I'm in-charge of my own life'
But later, a week ago, i change my blog title to 'Bukan Aku Sorang Saja Penentu Hidup Aku' or 'I'm not fully in-charge of my own life'

Here is why:
1) If i want a child, i need my wife
2) I cannot take control on when my daughter is going to sick or get well
3) My tire punctured
4) If i want a better benefit or promotion, i need my bosses recommendation
5) I can't stay healthy all the time and i still need the medication to recover
6) My PC is slow (used to)
7) I cannot say 'no' to extra work that is assign to me
8) I couldn't find someone who are willing to rent my house at rm1000 per month
9) My wife still unsuccessful in a mission to transfer to another school which is closer to my home after 3rd try
10) I still haven't get my 50% discount of deed of assignment for the house that i bought in auction last march. how slow :(

So much of 'poyo tak sedar diri' & show-off putting the title 'I'm in charge of my own life'
Off course i need everyone/everything/every system around me to make my life happen.
Anyway, we live together but die alone!

Thank you for reading this post

Story of a guy

Alkisah ni aku nak ceritakan laa coz pada aku kisah ni menarik. Mamat ni schoolmate aku jugak. Ye btul dia org yg dtg umah aku aritue dan aku dgr cerita ni time dia dtg umah jgk.
Dalam skulmate aku yg abis form 5 tahun 98 dia lelaki pertama kawen dan aku memang ada mai malis kawen dia. So posting ni berkaitan dgn camner mamat ni dpt kawen awal

Mamat ni aku panggil achim, dia kenal bini dia kt UTM, time dekat2 nk abis belajar baru Achim ni confident declare yang dia minat kt bini dia sekarang. Bini dia pun terima. Achim bgtau kalau dia dpt kerja dan dpt jer gaji pertama, dia akan masuk merisik terus. Kata itu kota, dpt keje dia masuk merisik dan dh rancang nk kawen. Lupa nk mention yg dia ni anak sulung dlm keluarga dan ayah dia dh xde. Bila mcm tu situasi dia, pakcik2 semua bagi nasihat typical (yang mana aku sendiri penah bagi statement ni bila berhadapan dgn situasi yang sama)

”Keje laa dulu barang 2-3 tahun kumpul duit, bantu adik2 belajar dan mak puas merasa gaji kita baru la kawen”

Ni dia mamat ni punya reply atas nasihat tue:

”Dalam 2 -3 tahun tue kami tetap akan berjumpa, mungkin dh berani pegang tangan pastu mungkin buat maksiat yang lebih teruk lagi. Pakcik boleh bersumpah tak dosa yang mungkin akan berlaku tu pakcik yang tanggung bagi pihak saya”

Apa lagi, pck dia tak sanggup laa dan menyokong perkahwinan itu.

Nak pendekkn story, dia guna duit tinggalan arwah bapak dia bahagian dia, dia pinjam duit pakcik dia, pinjam duit adik dia (duit tinggalan arwah bapak dia bahagian adik dia), selamatlah diijabkabulkn. Dh stable keje, diat buat personal loan bayar semua hutang lump sum

Dia cerita kt aku time dia dtg merisik kt umah bini dua tu, bakal bapak mertua tue siap tepuk baru, respect dgn keberanian dan kesungguhan dia utk kahwin dan elak dari maksiat dan dosa.Laa ni dh lama dh steady, dpt 2 org baby boy dan dah ada rumah sendiri.

Sekian saja cerita ini. Sapa yg nk menikah tu bleh laa guna ayat kt atas tu. Tapi make sure bila dpt kawen, kalau berhuang tu bayar laa hutang, kalau adik perlukan duit utk study, support la dan bagi jugak mak merasa duit ngko kerja bagus. Kawin bukan benda seberangan, pikir betul2 dulu sebelum kahwin, especially pasal org yg kita nk kawen tu.

Apa pendapat korang??

Ni dia muka mamat tu.





Dan muka aku skali :(

Weekend Guess

This happen 2 weeks ago (23 & 24 Oct to be exact) where my home welcoming a guest. It’s not like everyday people coming to your house. Last weekend I have an honour to have my schoolmate coming to my house on Friday night and my Pak Lang on Saturday.

I have 4 guess (? ? ? ?) on Friday night which consist 3 of our schoolmate and another one is his wife(did I mention before that my wife is actually my secondary schoolmate). My wife prepare Fried Mee and teh 'O' lipton tea. My friend Achim love that Fried Mee so much. We talk a lot, bringing back past memories and laugh out laud. They stay until 12am, still a lot to talk about, when everyone is outside and ready to go, we talk and laugh for almost 20 minutes before our guest say goodbye for real. I think I should apologize to our neighbour the next morning. Here’s the picture of them. It’s really awesome to have you guys coming.

The next day, Saturday night, Pak Lang family is coming over. This is the first time they visit my new house, there are 5 of them. Actually they come over to KL to accompany their son at KLIA who return to Egypt. My nephew currently on the second year of 5 years medical degree course in Egypt University. Applying two birds with one stone concept, they come over to my house. This time my wife prepares Fried beehoon and again tea 'O' Lipton tea. We also received of belated house warming gift which is 4 set of Tupperware. They are beautiful. Check out our guest and the gift.

I would like to take the opportunity to thank our guest for coming over (especially when you guy praise our house is beautiful and spacious). Please2 come again, let us know early so that I can prepare lunch. I’ll cook Senangin Fish Curry,

Happy Anniversary Matjoe

Last last Monday, I’m celebrating my third wedding anniversary on 26^th Oct 2009. Happy anniversary to me. We does not exchange gift because we agree that it took a lot of time plus headache to think on what to buy and afraid we might end up buying unnecessary stuff. One more thing that I’m afraid is I end up buying cheap gift while my wife buy expensive one.

We decided to go on a buffet dinner at the 5 star hotel. We went to Royale Chulan hotel somewhere near Pavilion. The hotel is nice, you can check out www.theroyalechulan.com.my. The buffet cost rm85++ per pax. Price after tax goes up to RM97.75. We bring along our cute but active Hasanah. Below are picture on the dinner. Not much of a picture on the food because I’m afraid I might kene sound with hotel worker I'm busy filling my stomach with delicious food. Foods are meant to be eaten, why take their picture.

A food to remember in this dinner would be the fried squid in oatmeal. The grilled lamb also nice. I also enjoy the sushi counter. Overall the food is nice and a lots of variety to choose from.

Accident happen to Hasanah, she crash on transparent door while she actively running around the hotel lobby. I manage to take her picture crying. She cry for a while then start to play again. Anyay, if it’s her mistake, she won’t cry for long, but if it is us who make her cry, then she’ll cry non stop.

Actually we don’t have to pay rm97.75 x 2 because we have this:

Yes, we eat for free. My bother in-law who attend the Annual Congress of M'sian thoracic win this complementary buffet dinner from the lucky draw. Thanks to kak long and abang long.

The only thing that I need to pay is this:

Rm12 for parking, anyhow I already anticipate that. If I'm so calculative, I might add up rm2 for toll and rm10 for gas.

With this, I take this opportunity to thanks my wife who are willing to spend her life with me, to be the mother of our child and willing to support our family. Mmuah, I love you so much.

Aku terlupa Nak Jalani Kehidupan ini

Buat yang pandai bahasa orang putih, korang bleh terus click gambar kt bawah dan baca

Tapi dgn rajin nyer aku cuba jadi penterjemah:

Harap2 beroleh manfaat.

mula2nya aku tak sabar2 nk abiskn belajaq kt sekolah menengah sebab aku nak masuk u,

bila dh masuk u, aku tak sabaq2 nk habiskn belajaq sebab aku nak mula keje,

Kemudian, aku gatai nk menikah, dan nk ada anak,

bila dh ada anak, aku tak sabar nk tgk anak aku besar, dewasa dan boleh berdikari dan aku boleh lebih fokus dengan kerjaya,

kemudian aku tak sabar2 nk bersara,

laa ni pulak aku dah nak mampuih,

kemudian aku sedar,

aku terlupa utk hidup

jangan jadi macam aku,

hargai setiap situasi dan bergembiralah dgn hari yg ada

....rakan korang yg dah tua

nak buat duit smpi lupa soal kesihatan

bila sakit, nk sihat kene pakai balik duit yang kita dh buat

kita lalui idup ni macam kita takkan mati

bila kita nk mati kita rasa mcm kita tak pernah hidup

amacam? bleh keje jd penterjemah.