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Thursday, 2 June 2016
Salam sejahtera
第 一 课
你 好
D*y% k7
Nǐ hǎo
Salam sejahtera
Fokus Pembelajaran :
Memberi salam
Bertanya khabar
Bertanya nama
Mengucapkan terima kasih
Mengenal pasti seseorang
Kandungan Bab Satu
你 好
N& h2o
Salam sejahtera
Dialog (1)
Du*hu3 (1)
你 好 吗？
N& h2o ma?
Apa khabar?
Dialog (2)
Du*hu3 (2)
他 是 谁？
T` sh* sh5i?
Siapakah dia?
Dialog (3)
Du*hu3 (3)
2
Kosa Kata Dialog（1）
Sila sebut setiap perkataan selepas lǎoshī
你 好
n& h2o
salam sejahtera
你（代）
n&
awak (kg)
叫（动）
jiào
dipanggil dengan (kk)
什 么（代）
sh5nme
apa (kg)
名 字（名）
m^ngzi
nama (kn)
我（代）
w0
saya (kg)
呢（助）
ne
partikel (kb)
Dialog
法利：
你 好！
Salam sejahtera!
Fǎlì :
N& h2o !
李丽莲：
你 好！
Salam sejahtera!
Lǐ Lìlián:
N& h2o !
法利：
你 叫 什么 名字？
Siapa nama awak?
Fǎlì :
N& ji3o sh5nme m^ngzi?
李丽莲：
我 叫 李丽莲。你 呢？
Nama saya Li Lilian, awak pula?
Lǐ Lìlián:
W0 ji3o Lǐ L*li1n. N& ne?
法利：
我 叫法利。
Nama saya Farid.
Fǎlì :
W0 ji3o Fǎl* .
会话(一) Hu*hu3 (1)
3
Kosa Kata Dialog（2）
Sila sebut setiap perkataan selepas lǎoshī
王（专）
W1ng
Wang (knk), nama keluarga
先 生（名）
xi`nsheng
encik (kn)
好久不见
hǎo jiǔ b{ ji3n
sudah lama tidak berjumpa
好（形）
h2o
baik (adj)
吗（助）
ma
partikel soal ("kah”) (kb)
很（副）
h6n
sangat (adv)
谢 谢（动）
xi7xie
terima kasih (kk)
也（副）
y6
juga (adv)
莉雅：
王先生，好久不见，你好吗？
Encik Wang, sudah lama tak berjumpa, apa khabar?
Lìyǎ :
W1ng xiānsheng, hǎo jiǔ b{ ji3n, nǐ hǎo ma?
王明达：
我 很 好， 谢谢。你 呢？
Khabar baik, terima kasih.
Awak pula?
Wáng Míngdá:
W0 h6n h2o, xi7xie.N& ne?
莉雅：
我 也 很 好。
Saya pun khabar baik.
Lìyǎ :
Wǒ yě hěn hǎo.
会话(二) Hu*hu3 (2)
4
Kosa Kata Dialog（3）
Sila sebut setiap perkataan selepas lǎoshī
早 上 好
z2oshang h2o
selamat pagi
刘（专）
Li{
Liu (knk), nama keluarga
小姐（名）
xiǎojie
Cik (kn)
他（代）
t`
dia (kg)
是（动）
sh*
ialah (kk)
谁（代）
sh5i
siapa (kg)
的（助）
de
partikel (punya) (kb)
朋 友 (名)
p5ngyou
kawan (kn)
女朋友（名）
nǚ p5ngyou
teman wanita (kn)
不是（动）
b{sh*
bukan (kk)
好朋友（名）
hǎo p5ngyou
kawan baik (kn)
刘美燕：
陆曼 先生， 早上好。
Encik Lokman, selamat pagi.
Liú Měiyàn :
Lùmàn xiānsheng, zǎoshang hǎo.
陆曼：
刘 小姐， 早上好。
Cik Liu, selamat pagi.
Lùmàn:
Liú xiǎojie, zǎoshang hǎo.
刘美燕：
她 是 谁？
Siapakah dia?
Liú Měiyàn :
Tā shì shéi?
陆曼：
她 是 我的 朋友 李丽莲。
Dia ialah kawan saya Li Lilian.
Lùmàn:
Tā shì wǒ de péngyou Lǐ Lìlián.
会话(三) Hu*hu3 (3)
5
刘美燕：
她 是 你的 女朋友 吗？
Adakah dia teman wanita awak?
Liú Měiyàn :
Tā shì nǐ de nǚ péngyou ma?
陆曼：
不是，她 不是 我的 女朋友， 她 是 我的 好朋友。
Bukan, dia bukan teman wanita saya, dia ialah kawan baik saya.
Lùmàn:
Búshì, tā búshì wǒ de nǚ péngyou, tā shì wǒ de hǎo péngyou.
Penguasaan Pembentukan Ayat
Pola Ayat I (Bertanya nama seseorang)
你 叫 什么 名字？
Siapa nama awak?
N& ji3o sh5nme m^ngzi?
他 叫 什么 名字？
Siapa nama dia?
T` ji3o sh5nme m^ngzi?
你 的爸爸 叫 什么 名字？
Siapa nama ayah awak?
N& de b3ba ji3o sh5nme m^ngzi?
你 的 妈妈 叫 什么 名字？
Siapa nama ibu awak?
N& de m`ma ji3o sh5nme m^ngzi?
你 的 老师 叫 什么 名字？
Siapa nama cikgu awak?
N& de l2osh% ji3o sh5nme m^ngzi?
Pola Ayat II (Memberitahu seseorang siapa nama awak)
我 叫 法利。
Nama saya Farid.
W0 ji3o Fǎlì
我 叫 陆曼。
Nama saya Lokman.
6
W0 ji3o Lùmàn.
我 叫 莉雅。
Nama saya Liya.
W0 ji3o Lìyǎ.
我 叫 哈娜。
Nama saya Hana.
W0 ji3o Hānà.
我 叫 刘 美燕。
Nama saya Liu Meiyan.
W0 ji3o Liú Měiyàn.
我 叫 王 明达。
Nama saya Huang Mingda.
W0 ji3o Wáng Míngdá.
Pola Ayat III (Bertanya khabar)
你 好 吗？
Apa khabar (awak)?
N& h2o ma?
你们 好 吗？
Apa khabar (kamu semua)?
N&men h2o ma?
他 好 吗？
Apa khabar (dia)?
T` h2o ma?
他 们 好 吗？
Apa khabar (mereka)?
T`men h2o ma?
法利 先生 好 吗？
Apa khabar Encik Farid?
Fǎl* xi`nsheng h2o ma?
刘 小姐 好 吗？
Apa khabar Cik Liu?
Li{ xi2ojie h2o ma?
7
Pola Ayat IV (Mengenal pasti seseorang)
他 是 谁？
Siapakah dia?
T` sh* sh5i?
你 的 老师 是 谁？
Siapakah cikgu awak?
N& de l2osh% sh* sh5i?
你 的 男 朋 友 是 谁？
Siapakah teman lelaki awak?
N& de n1n p5ngyou sh* sh5i?
你 的 女 朋友 是 谁？
Siapakah teman wanita awak?
N& de n| p5ngyou sh* sh5i?
你 的 好 朋 友 是 谁？
Siapakah kawan baik awak?
N& de hǎo p5ngyou sh* sh5i?
Pola Ayat V (menggunakan kata penghubung ialah atau bukan)
他 是 法利，不是 陆曼。
Dia ialah farid, bukan Lokman.
T` sh* Fǎlì, búshì Lùmàn.
他 是 哈娜，不是 莉雅。
Dia ialah Hana, bukan Liya.
T` sh* Hǎnà, búshì Lǐyà.
他 是 美燕， 不是 丽莲。
Dia ialah Meiyan, bukan Lilian.
T` sh* Měiyàn, búshì Lìlián.
她 是 明达，不是立康。
Dia ialah Mingda, bukan Likang.
T` sh* Míngdá, búshì Lìkāng.
他 是 我 的好朋友，不是我的 男朋友。
Dia ialah kawan baik saya, bukan teman lelaki saya.
T` sh* w0 de hǎo p5ngyou, b{sh* w0 de n1n p5ngyou.
8
Kosa Kata Tambahan
我 们（代）
w0men
kami; kita (kg)
你 们（代）
n&men
kamu semua (kg)
他；她；它（代）
t`
dia; ia (kg)
他 们（代）
t`men
mereka (kg)
爸 爸（名）
b3ba
bapa; ayah (kn)
妈 妈（名）
m`ma
ibu; emak (kn)
老 师（名）
l2osh%
cikgu (kn)
学生（名）
xu5sheng
pelajar (kn)
男朋友（名）
n1n p5ngyou
teman lelaki (kn)
下午好
xi3wǔ hǎo
selamat petang
晚上好
wǎnshang hǎo
selamat malam (ketika berjumpa)
晚安
wǎn’ān
selamat malam (ketika berpisah)
再见
z3iji3n
jumpa lagi; selamat tinggal
Catatan & Penerangan
1.
“N& h2o”. “Salam sejahtera”.
Sapaan ini sering digunakan dan boleh digunakan pada bila-bila masa apabila bertemu seseorang pada kali pertama atau kepada sesiapa yang telah anda kenal. Sapaan balasnya ialah “n& h2o” juga.
2.
“ N& h2o ma?” “Apa khabar?”
Sapaan ini sering digunakan untuk bertanya khabar kepada seseorang yang sudah lama tidak berjumpa. Jawapan balasnya ialah “w0 h6n h2o”
3.
“N& ne?” “Awak pula?”
Partikel “ne” digunakan untuk menunjukkan nada tanya. Dalam sesetengah konteks, kata nama dan ganti nama boleh diletak di hadapan ayat untuk menjadikannya soalan elipsis. Contohnya: “W0 ji3o Lǐy2, n& ne?”, “….., n& ne?” bermakna ‘Siapa nama awak?’.
4.
Ayat yang menggunakan kata kerja “shì” dengan perkataan atau frasa lain yang membentuk predikat ayat tersebut dikenali sebagai ayat “shì”. Struktur ayat yang paling asas ialah “A shì B” Ayat nafinya adalah dengan menambahkan adverba “b]” di hadapan perkataan “shì”.
5.
“Sh5i” digunakan untuk bertanya soalan dan diletakkan di tempat jawapan yang dijangka.
Contohnya:
T` sh* sh5i?
Sh5i sh* l2osh%?
Tuesday, 19 April 2016
Pinjaman ASB Loan VS Simpan Sendiri.
Pinjaman ASB Loan VS Simpan Sendiri.
Ambil sebahagian duit dari duit gaji tiap-tiap bulan untuk dimasukkan ke dalam akaun ASB anda
Buat Pinjaman ASB (loan ASB) dengan Bank-bank seperti Maybank, CIMB, RHB dan sebagainya.
Dan kalau diikutkan dengan situasi sekarang, rasanya ramai di antara kita memilih cara ke-2 seperti di atas untuk menyimpan duit dalam ASB. Pastinya anda paling tidak pun, pernah terjumpa dengan pelan ke-2 ini tadi iaitu pinjaman ASB loan.
Namun di sini, kami akan tunjukkan kepada anda, mana satu cara yang sebenarnya lebih baik dan yang mempunyai kelebihan dalam jangka masa panjang. Pastinya kalau anda lihat di antara ke dua-dua cara itu tadi, ramai yang memilih pelan yang ke-2 iaitupinjaman ASB loan.. Antara alasannya :
Lebih mudah, hanya potong gaji sahaja bulan-bulan.
Tak perlu menunggu lama untuk memenuhkan akaun ASB anda
Dapat dividen juga
Baiklah, kami ambil satu situasi di mana Encik Ahmad, ingin membuatpinjaman ASB loan. sebanyak RM 30,000 dengan bayaran bulanan sebanyak RM 171 selama 25 tahun. Bersama-sama ini kami lampirkan di sini jadual dari website Maybank berkaitan dengan Bayaran Bulanan untuk pinjaman ASB atau loan ASB ini.
Perhatikan pada bahagian bawah sekali jadual ini, ada tertulis kadar pinjaman adalah 6.30%.
http://www.maybank2u.com.my/WebBank/asb_repymntable130710.pdf
Jadi sekarang, katakan dah cukup setahun dari tarikh kita buat loan ASB ini, PNB mengumumkan peratus dividen adalah 8.75 peratus. Maka, kita ambil semula jumlah RM 30,000 tadi dan darabkan dengan peratus dividen.
RM 30,000 x 8.75 Peratus = RM 2625
Nampak macam banyak bukan? Tapi jangan lupa pasal bayaran bulanan anda RM 171 itu tadi, maka darabkan dengan dengan 12 bulan.
RM 171 x 12 bulan = RM 2052
Jadi, keuntungan sebenar anda hanyalah :
RM 2625 – RM 2052 = RM 573
Melalui ini, sedikit sebanyak kami nak tarik perhatian anda semua, untuk mengira berapa sebenarnya yang anda dah bayar kepada bank setiap bulan selama 25 tahun sebagai modal pinjaman ASB loan anda. Dari kadar tahunan bayaran bulanan yang telah pun kita kira sebentar tadi iaitu RM 2052, kita darabkan pula dengan 25 tahun.
RM 2052 x 25 tahun = RM 51300
Namun sebelum itu, adalah baik sekiranya kami kirakan juga kirakan jumlah dividen yang anda bakal perolehi termasuklah dengan pinjaman matang anda sebanyak RM 30,000 itu tadi selama 25 tahun. Pengiraan ini adalah menggunakan formula “Compound Interest” di mana, hasil dividen tadi pada setiap akhir tahun, akan ditambah semula dengan pinjaman principal anda sebanyak RM 30,000 untuk dikirakan kembali pada tahun ke- 2 dan seterusnya.
Formula compound interest adalah:
A=P(1+r/n)nt
Di mana:
A=Jumlah wang yang diakumulasi
P= Amaun pinjaman
r=kadar interest
t=jumlah berapa tahun pinjaman atau deposit anda
n= berapa kali setahun dividen anda dikira dalam kes ini
Hhasilnya adalah seperti di bawah:
A= 30,000(1+0.0875/1)1*25 dan hasilnya pada 25 tahun akan datang adalah:
RM 244,260.31!
Wah, Nampak macam banyak bukan. Dalam masa 25 tahun sahaja, jumlah terkumpul anda dalam masa 25 tahun adalah RM 244,260.31. Namun itu belum ditolak dengan jumlah bayaran bulanan anda selama 25 tahun yang berjumlah RM 51,300. Jadi, keuntungan anda sebenar adalah :
RM 244,260.31 – RM 51300 = RM 192,960.31
Jadi, inilah keuntungan yang anda buat setelah 25 tahun memberikan komitmen bulanan kepada bank. Namun ini diandaikan sekiranya anda tidak mengambil dividen tersebut setiap hujung tahun untuk kegunaan anda. Sekiranya anda mengmbilnya setiap hujung tahun, maka jumlah seperti di atas ini, tidak akan tercapai.
Ada juga yang menggunakan teknik hanya membayar komitmen selama setahun sahaja dengan bank, dan kemudian untuk tahun kedua, mereka akan gunakan duit dividen pada tahun pertama tadi untuk membayar bayaran bulanan untuk tahun ke-2 dan begitulah seterusnya.
Namun yang perlu di ingat di sini adalah tentang 2 perkara.Iaitu:
Kadar Base Lending Rate (BLR)
Kadar Dividen ASB
Kedua-dua kadar ini sentiasa berubah-ubah. Tidak semestinya BLR tahun ini rendah, maka tahun depan juga rendah. Begitu juga dengan Kadar Dividen ASB. Tahun ini 8.75 peratus, tahun depan belum tentu sama. Mungkin lebih tinggi daripada tahun ini (yang ini akan membuatkan ramai tersenyum lebar) tetapi mungkin akan merosot berbanding kadar dividen tahun ini. Buatnya kalau BLR dah tinggi, tambah pulak dengan kadar pinjaman dah jadi 8 peratus, dividen ASB diumumkan hanya 7.25 peratus.
Jadi…risiko tetap ada. Akhirnya anda perlu menambah pula di bank.
Baiklah, sekarang cerita pasal simpan duit sendiri pulak. Katakan kita simpan duit sendiri sebanyak RM 200 sebulan dalam ASB, selama 25 tahun. Ambik kadar rata dividen ASB adalah 8.75 Peratus. Jadi, berapakah jumlah terkumpul yang boleh kita dapat dalam masa 25 tahun tersebut?
Sekali lagi formula “Compound Interest” memainkan peranannya. Hasilnya bagi jumlah terkumpul selama 25 tahun adalah sebanyak RM 232,576.79!. Nampak kurang sedikit daripada kaedah membuat pinjaman ASB (loan ASB) bukan? Namun apa yang positifnya di sini adalah, anda tidak perlu membayar bayaran bulanan anda. Maka tak ada apa yang perlu anda tolak
Jelas di sini, menyimpan sendiri adalah lebih baik pada jangka masa panjang. Namun kami juga tidak mengatakan bahawa kaedah pinjaman ASB loan juga tidak bagus. Namun, sebenarnya, bank lebih banyak mengambil duit dari anda. Sekiranya anda bersedia membayar komitmen bulanan kepada bank untuk pinjaman ASB loan, maka kami andaikan bahawa anda juga boleh beri komitmen untuk bayar sendiri bulan-bulan ke dalam akaun anda.
Jadi, di sini kami sediakan PRO dan KONTRA bagi pelaburan ASB di antara buat Pinjaman ASB (loan VS Simpan Sendiri.
1) Pinjaman ASB (loan ASB)
Pro:
Dapat prinsipal amaun lebih besar dan seterusnya, dividen lebih banyak dan lebih cepat.
Bank akan telefon anda setiap hujung bulan tentang bayaran bulanan. Jadi, perkataan “terlupa” tak boleh dijadikan alasan. Atau anda juga boleh memilih untuk melakukan pembayaran secara automatik melalui perbankan yang dipilih oleh anda.
Anda akan lebih berdisplin sebab kena buat bayaran bulanan.
Pinjaman anda di insuranskan
Kontra:
Anda tidak dapat memanfaatkan sepenuhnya Future Value pinjaman anda
Bank ambik untung dari pelaburan anda tadi.
Nilai sebenar yang anda dapat sebenarnya kurang dari anda menyimpan sendiri.
Sekiranya dividen kurang dari BLR. Maka anda terpaksa topup kepada bank yang anda pinjam.
2) Simpan Sendiri
Pro:
Future Value yang lebih banyak
Tak kena charge bank
Tiada risiko pada BLR sekiranya dividen diberikan kurang.Anda tetap untung.
Kontra:
Masalah disiplin dalam menyimpan.
Boleh jadi hangat-hangat tahi ayam kalau tak mulakan
Maka, dari pemerhatian kami, kedua-dua cara ini ada kelebihan dan kekurangan. Masalah utama bagi penyimpan sendiri adalah masalah disiplin nak menyimpan sebenarnya. Namun pada zaman ini, alasan ini sudah tidak relevan lagi. Kalau dulu, mungkin alasan malas nak beratur di bank boleh dijadikan penyebab anda masalah untuk melakukan pelaburan ASB contohnya.
Namun dalam zaman internet ini, semuanya di hujung jari. Anda kini boleh melakukan pembayaran secara Maybank 2u (CIMB Clicks hanya membenarkan akaun konvensional sahaja, akaun Islamic tidak dibenarkan) untuk menyimpan duit anda akaun ASB sendiri. Jadi, tidak ada masalah bukan?
Apa-apa pun, kedua-dua cara ini adalah yang terbaik sekiranya anda ingin menyimpan wang dan juga anda tidak mengeluarkan dividen di dalamnya. Sekiranya tangan anda gatal setiap kali hujung tahun untuk mengeluar dan menggunakannya, maka sampai ke tualah duit dalam tu tidak beranak-pinak.
Ambil sebahagian duit dari duit gaji tiap-tiap bulan untuk dimasukkan ke dalam akaun ASB anda
Buat Pinjaman ASB (loan ASB) dengan Bank-bank seperti Maybank, CIMB, RHB dan sebagainya.
Dan kalau diikutkan dengan situasi sekarang, rasanya ramai di antara kita memilih cara ke-2 seperti di atas untuk menyimpan duit dalam ASB. Pastinya anda paling tidak pun, pernah terjumpa dengan pelan ke-2 ini tadi iaitu pinjaman ASB loan.
Namun di sini, kami akan tunjukkan kepada anda, mana satu cara yang sebenarnya lebih baik dan yang mempunyai kelebihan dalam jangka masa panjang. Pastinya kalau anda lihat di antara ke dua-dua cara itu tadi, ramai yang memilih pelan yang ke-2 iaitupinjaman ASB loan.. Antara alasannya :
Lebih mudah, hanya potong gaji sahaja bulan-bulan.
Tak perlu menunggu lama untuk memenuhkan akaun ASB anda
Dapat dividen juga
Baiklah, kami ambil satu situasi di mana Encik Ahmad, ingin membuatpinjaman ASB loan. sebanyak RM 30,000 dengan bayaran bulanan sebanyak RM 171 selama 25 tahun. Bersama-sama ini kami lampirkan di sini jadual dari website Maybank berkaitan dengan Bayaran Bulanan untuk pinjaman ASB atau loan ASB ini.
Perhatikan pada bahagian bawah sekali jadual ini, ada tertulis kadar pinjaman adalah 6.30%.
http://www.maybank2u.com.my/WebBank/asb_repymntable130710.pdf
Jadi sekarang, katakan dah cukup setahun dari tarikh kita buat loan ASB ini, PNB mengumumkan peratus dividen adalah 8.75 peratus. Maka, kita ambil semula jumlah RM 30,000 tadi dan darabkan dengan peratus dividen.
RM 30,000 x 8.75 Peratus = RM 2625
Nampak macam banyak bukan? Tapi jangan lupa pasal bayaran bulanan anda RM 171 itu tadi, maka darabkan dengan dengan 12 bulan.
RM 171 x 12 bulan = RM 2052
Jadi, keuntungan sebenar anda hanyalah :
RM 2625 – RM 2052 = RM 573
Melalui ini, sedikit sebanyak kami nak tarik perhatian anda semua, untuk mengira berapa sebenarnya yang anda dah bayar kepada bank setiap bulan selama 25 tahun sebagai modal pinjaman ASB loan anda. Dari kadar tahunan bayaran bulanan yang telah pun kita kira sebentar tadi iaitu RM 2052, kita darabkan pula dengan 25 tahun.
RM 2052 x 25 tahun = RM 51300
Namun sebelum itu, adalah baik sekiranya kami kirakan juga kirakan jumlah dividen yang anda bakal perolehi termasuklah dengan pinjaman matang anda sebanyak RM 30,000 itu tadi selama 25 tahun. Pengiraan ini adalah menggunakan formula “Compound Interest” di mana, hasil dividen tadi pada setiap akhir tahun, akan ditambah semula dengan pinjaman principal anda sebanyak RM 30,000 untuk dikirakan kembali pada tahun ke- 2 dan seterusnya.
Formula compound interest adalah:
A=P(1+r/n)nt
Di mana:
A=Jumlah wang yang diakumulasi
P= Amaun pinjaman
r=kadar interest
t=jumlah berapa tahun pinjaman atau deposit anda
n= berapa kali setahun dividen anda dikira dalam kes ini
Hhasilnya adalah seperti di bawah:
A= 30,000(1+0.0875/1)1*25 dan hasilnya pada 25 tahun akan datang adalah:
RM 244,260.31!
Wah, Nampak macam banyak bukan. Dalam masa 25 tahun sahaja, jumlah terkumpul anda dalam masa 25 tahun adalah RM 244,260.31. Namun itu belum ditolak dengan jumlah bayaran bulanan anda selama 25 tahun yang berjumlah RM 51,300. Jadi, keuntungan anda sebenar adalah :
RM 244,260.31 – RM 51300 = RM 192,960.31
Jadi, inilah keuntungan yang anda buat setelah 25 tahun memberikan komitmen bulanan kepada bank. Namun ini diandaikan sekiranya anda tidak mengambil dividen tersebut setiap hujung tahun untuk kegunaan anda. Sekiranya anda mengmbilnya setiap hujung tahun, maka jumlah seperti di atas ini, tidak akan tercapai.
Ada juga yang menggunakan teknik hanya membayar komitmen selama setahun sahaja dengan bank, dan kemudian untuk tahun kedua, mereka akan gunakan duit dividen pada tahun pertama tadi untuk membayar bayaran bulanan untuk tahun ke-2 dan begitulah seterusnya.
Namun yang perlu di ingat di sini adalah tentang 2 perkara.Iaitu:
Kadar Base Lending Rate (BLR)
Kadar Dividen ASB
Kedua-dua kadar ini sentiasa berubah-ubah. Tidak semestinya BLR tahun ini rendah, maka tahun depan juga rendah. Begitu juga dengan Kadar Dividen ASB. Tahun ini 8.75 peratus, tahun depan belum tentu sama. Mungkin lebih tinggi daripada tahun ini (yang ini akan membuatkan ramai tersenyum lebar) tetapi mungkin akan merosot berbanding kadar dividen tahun ini. Buatnya kalau BLR dah tinggi, tambah pulak dengan kadar pinjaman dah jadi 8 peratus, dividen ASB diumumkan hanya 7.25 peratus.
Jadi…risiko tetap ada. Akhirnya anda perlu menambah pula di bank.
Baiklah, sekarang cerita pasal simpan duit sendiri pulak. Katakan kita simpan duit sendiri sebanyak RM 200 sebulan dalam ASB, selama 25 tahun. Ambik kadar rata dividen ASB adalah 8.75 Peratus. Jadi, berapakah jumlah terkumpul yang boleh kita dapat dalam masa 25 tahun tersebut?
Sekali lagi formula “Compound Interest” memainkan peranannya. Hasilnya bagi jumlah terkumpul selama 25 tahun adalah sebanyak RM 232,576.79!. Nampak kurang sedikit daripada kaedah membuat pinjaman ASB (loan ASB) bukan? Namun apa yang positifnya di sini adalah, anda tidak perlu membayar bayaran bulanan anda. Maka tak ada apa yang perlu anda tolak
Jelas di sini, menyimpan sendiri adalah lebih baik pada jangka masa panjang. Namun kami juga tidak mengatakan bahawa kaedah pinjaman ASB loan juga tidak bagus. Namun, sebenarnya, bank lebih banyak mengambil duit dari anda. Sekiranya anda bersedia membayar komitmen bulanan kepada bank untuk pinjaman ASB loan, maka kami andaikan bahawa anda juga boleh beri komitmen untuk bayar sendiri bulan-bulan ke dalam akaun anda.
Jadi, di sini kami sediakan PRO dan KONTRA bagi pelaburan ASB di antara buat Pinjaman ASB (loan VS Simpan Sendiri.
1) Pinjaman ASB (loan ASB)
Pro:
Dapat prinsipal amaun lebih besar dan seterusnya, dividen lebih banyak dan lebih cepat.
Bank akan telefon anda setiap hujung bulan tentang bayaran bulanan. Jadi, perkataan “terlupa” tak boleh dijadikan alasan. Atau anda juga boleh memilih untuk melakukan pembayaran secara automatik melalui perbankan yang dipilih oleh anda.
Anda akan lebih berdisplin sebab kena buat bayaran bulanan.
Pinjaman anda di insuranskan
Kontra:
Anda tidak dapat memanfaatkan sepenuhnya Future Value pinjaman anda
Bank ambik untung dari pelaburan anda tadi.
Nilai sebenar yang anda dapat sebenarnya kurang dari anda menyimpan sendiri.
Sekiranya dividen kurang dari BLR. Maka anda terpaksa topup kepada bank yang anda pinjam.
2) Simpan Sendiri
Pro:
Future Value yang lebih banyak
Tak kena charge bank
Tiada risiko pada BLR sekiranya dividen diberikan kurang.Anda tetap untung.
Kontra:
Masalah disiplin dalam menyimpan.
Boleh jadi hangat-hangat tahi ayam kalau tak mulakan
Maka, dari pemerhatian kami, kedua-dua cara ini ada kelebihan dan kekurangan. Masalah utama bagi penyimpan sendiri adalah masalah disiplin nak menyimpan sebenarnya. Namun pada zaman ini, alasan ini sudah tidak relevan lagi. Kalau dulu, mungkin alasan malas nak beratur di bank boleh dijadikan penyebab anda masalah untuk melakukan pelaburan ASB contohnya.
Namun dalam zaman internet ini, semuanya di hujung jari. Anda kini boleh melakukan pembayaran secara Maybank 2u (CIMB Clicks hanya membenarkan akaun konvensional sahaja, akaun Islamic tidak dibenarkan) untuk menyimpan duit anda akaun ASB sendiri. Jadi, tidak ada masalah bukan?
Apa-apa pun, kedua-dua cara ini adalah yang terbaik sekiranya anda ingin menyimpan wang dan juga anda tidak mengeluarkan dividen di dalamnya. Sekiranya tangan anda gatal setiap kali hujung tahun untuk mengeluar dan menggunakannya, maka sampai ke tualah duit dalam tu tidak beranak-pinak.
ASB Financing-i
ASB Financing-i
ASB Financing-i is another form of term financing to purchase ASB unit trust based on Shariah principles of Murabahah via Tawarruq or Commodity Murabahah arrangement
Eligibility
Individuals who are between the ages of 18 and 65 years old
Bumiputera
Financing Amount
Min financing amount : RM10,000
Max financing amount : Up to RM200,000 per Customer, at any one time including the balance outstanding of the existing ASB Financing (if any), or up to the maximum investment amount allowed by ASNB, whichever lower
Margin of Financing
For financing amount up to RM200,000
Up to 100% of nominal value of ASB units
Up to 105%, inclusive of the PRTT
Financing Tenure
Up to 25 years OR
Up to age 65, whichever is earlier
Pricing
Selling Price Rate/Ceiling Rate fixed at
IBR + 7.65% or 10%, whichever is higher
* Competitive effective profit rates as per ASB Loan Conventional interest rates, provided it should not exceed the fixed selling price rate
Pricing
Financing below 30,000
IBR + 2.30% (1st 3 years)
IBR + 2.35% (thereafter)
Financing RM30,000 & above
IBR + 2.00% (throughout financing tenure)
View the monthly instalment payment schedule
Payment Frequency
Monthly
Payment Option
Single installment only
Mode of Installment Payment
Variable Standing Instruction (VSI)
ASB Income Distribution & Bonus Earned
Automatically credited into the respective ASB unit holder's account
ASB financial year ends December 31
Required Documents
Application form
Photocopy of Identity Card
Photocopy of latest 3 months pay slip/other proof of income e.g : Bank account statement
For further details, visit your nearest branch today!
* Please call during office hours (Mon to Thurs: 9.00am - 5.45pm, Fri: 9.00am - 4.45pm). Terms & Conditions apply.
IMPORTANT NOTE:
The Master Prospectus of the unit trust funds of ASNB dated 30 June 2015, has been registered with the Securities Commission Malaysia, and are available at any office of ASNB and its agents. Units will be issued upon receipt of the registration form referred to in and accompanying the prospectus. Before investing, please read and understand the content of the prospectus. Total return on the investments may go down as well as up. Investments in the funds are exposed to fund management risk, inflation risk and purchasing power risk. Past performances of the unit trust funds of ASNB are not guarantees of future performances. Before investing, kindly consider the fees and charges involved.
Investors who wish to know the key features of a specific unit trust fund of ASNB may request the Product Highlights Sheet issued by ASNB at any office of ASNB and its agents.
ASB Financing-i is another form of term financing to purchase ASB unit trust based on Shariah principles of Murabahah via Tawarruq or Commodity Murabahah arrangement
Eligibility
Individuals who are between the ages of 18 and 65 years old
Bumiputera
Financing Amount
Min financing amount : RM10,000
Max financing amount : Up to RM200,000 per Customer, at any one time including the balance outstanding of the existing ASB Financing (if any), or up to the maximum investment amount allowed by ASNB, whichever lower
Margin of Financing
For financing amount up to RM200,000
Up to 100% of nominal value of ASB units
Up to 105%, inclusive of the PRTT
Financing Tenure
Up to 25 years OR
Up to age 65, whichever is earlier
Pricing
Selling Price Rate/Ceiling Rate fixed at
IBR + 7.65% or 10%, whichever is higher
* Competitive effective profit rates as per ASB Loan Conventional interest rates, provided it should not exceed the fixed selling price rate
Pricing
Financing below 30,000
IBR + 2.30% (1st 3 years)
IBR + 2.35% (thereafter)
Financing RM30,000 & above
IBR + 2.00% (throughout financing tenure)
View the monthly instalment payment schedule
Payment Frequency
Monthly
Payment Option
Single installment only
Mode of Installment Payment
Variable Standing Instruction (VSI)
ASB Income Distribution & Bonus Earned
Automatically credited into the respective ASB unit holder's account
ASB financial year ends December 31
Required Documents
Application form
Photocopy of Identity Card
Photocopy of latest 3 months pay slip/other proof of income e.g : Bank account statement
For further details, visit your nearest branch today!
* Please call during office hours (Mon to Thurs: 9.00am - 5.45pm, Fri: 9.00am - 4.45pm). Terms & Conditions apply.
IMPORTANT NOTE:
The Master Prospectus of the unit trust funds of ASNB dated 30 June 2015, has been registered with the Securities Commission Malaysia, and are available at any office of ASNB and its agents. Units will be issued upon receipt of the registration form referred to in and accompanying the prospectus. Before investing, please read and understand the content of the prospectus. Total return on the investments may go down as well as up. Investments in the funds are exposed to fund management risk, inflation risk and purchasing power risk. Past performances of the unit trust funds of ASNB are not guarantees of future performances. Before investing, kindly consider the fees and charges involved.
Investors who wish to know the key features of a specific unit trust fund of ASNB may request the Product Highlights Sheet issued by ASNB at any office of ASNB and its agents.
Thursday, 25 February 2016
akuvskanser: "Hasil daripada BIOPSY, kami dapati terdapat sel k...
Story about my cousin :-
akuvskanser: "Hasil daripada BIOPSY, kami dapati terdapat sel k...: "Hasil daripada BIOPSY, kami dapati terdapat sel kanser pada..... " KENAPA AKU ?! WHY ME ?! APA DOSA AKU ?! Soalan yan...
akuvskanser: "Hasil daripada BIOPSY, kami dapati terdapat sel k...: "Hasil daripada BIOPSY, kami dapati terdapat sel kanser pada..... " KENAPA AKU ?! WHY ME ?! APA DOSA AKU ?! Soalan yan...
Tuesday, 23 February 2016
Itinerary 5 Hari 4 Malam (Backpackers)
Itinerary 5 Hari 4 Malam (Backpackers)
Destinasi - Seoul, Korea
Tempoh 5 hari 4 Malam Konsep Backpacker
Hari Pertama [Kuala Lumpur – Seoul]
•Berkumpul di KLIA 2 & sesi taklimat ringkas
•Tiba di Lapangan Terbang Antarabangsa Incheon
•Bergerak ke Guest House
•Berjalan di sekitar Bandar Seoul
•Melawat Muzium Trick Eye *Pilihan (15,000 KRW)
Hari Ke-2 [Seoul]
•Melawat Istana Gyeongbokgung(Kostum Tradisi masyarakat Korea)
•Melalui Dataran Gwanghwamun & Melawati Muzium King Sejong
•Insadong Traditional Street (terkenal dengan hasil kraf)
•Melawat Perkampungan Namsangol Hanok
•Seoul Central Mosque (solat)
Hari Ke-3 [Seoul – Pulau Nami]
•Nami Island (Lokasi penggambaran filem Winter Sonata)
Hari Ke-4 [Seoul]
•Namsan Park (Pad Lock Bridge)
•Namsan Tower *Pilihan (9,000 KRW)
•Myeongdong Street City Centre
•Beli-belah cenderahati di Namdaemun Market
Hari Ke-5 [Seoul – Kuala Lumpur]
•Checkout dari Guest House
•Berlepas dari Incheon ke Kuala Lumpur
Thursday, 18 February 2016
Being rich
There are many definitions of what it means to be rich.
Being rich is more of a state of mind than a dollar amount. Truthfully, the rich can be poor and the poor can be rich. For example, being rich could be a family of five who lovingly share their small piece of bread in a third-world country. Conversely, another family of five may live in a 12-bedroom home and still have strife over an unlimited first-class feast!
Moreover, being rich is really about having it all. It would be ideal to have a combination of the aforementioned situations: the happy family enjoying a delectable meal in the big house — and it is possible. However, to achieve this kind of wealth, along with financial freedom, personal peace and happiness, you must get committed to it.
You must also be able to enjoy your wealth. Some people put in a hundred hours per week with work but completely neglect their families in the process. Others focus on their family so much that they never really get busy at work because of their obligations. Obviously, achieving a sense of balance will allow you to possess true wealth and also be able to enjoy it.
Being rich is more of a state of mind than a dollar amount. Truthfully, the rich can be poor and the poor can be rich. For example, being rich could be a family of five who lovingly share their small piece of bread in a third-world country. Conversely, another family of five may live in a 12-bedroom home and still have strife over an unlimited first-class feast!
Moreover, being rich is really about having it all. It would be ideal to have a combination of the aforementioned situations: the happy family enjoying a delectable meal in the big house — and it is possible. However, to achieve this kind of wealth, along with financial freedom, personal peace and happiness, you must get committed to it.
You must also be able to enjoy your wealth. Some people put in a hundred hours per week with work but completely neglect their families in the process. Others focus on their family so much that they never really get busy at work because of their obligations. Obviously, achieving a sense of balance will allow you to possess true wealth and also be able to enjoy it.
Wednesday, 27 January 2016
Remain Competitive
To remain competitive, businesses must boost operational efficiency wherever possible. It's particularly important for SMBs to operate efficiently, because they often have more limited resources than larger enterprises.
To remain competitive in an increasingly competitive world, businesses must boost operational efficiency wherever possible. "Sooner or later, any company not operating efficiently will be out of business," says Laurie McCabe, vice president of small and medium-sized business (SMB) insights and solutions for research firm AMI-Partners. It's particularly important for SMBs to operate efficiently, McCabe adds, because they often have more limited resources than larger enterprises.
The following are 10 tips for using network technology to help your business increase operational efficiency, reduce costs, improve customer satisfaction, and stay ahead of the competition.
Provide employees with secure, consistent access to information. One advantage of being an SMB is the ability to react more quickly than larger competitors. But if your company network is frequently down, sluggish, or unsecured, that competitive advantage is eroded. A secure, reliable, self-defending network based on intelligent routers and switches provides your business with maximum agility by providing reliable, secure access to business intelligence. What's more, a secure, reliable network infrastructure provides the necessary foundation for a number of efficiency-enhancing technologies and solutions, such as IP communications.
Deliver anytime, anywhere access to mobile employees. SMB employees are typically more mobile than those in larger enterprises, says Jan Dawson, research director of Ovum Research. "Ubiquitous access to people and information is particularly important for SMBs," in order to be productive while on the go, he adds. Technologies enabling ubiquitous access include virtual private networks (VPNs), which securely connect remote workers to the company network, and pervasive wireless networks, which enable workers to stay connected to the network while roaming about an office building or campus.
Create effective business processes with partners. Some large enterprises make efficient, secure business processes a prerequisite for doing business with them. To develop efficient business processes that meet the requirements of your partners, your business needs a secure, reliable network infrastructure.
Make it easy to collaborate. Effective, interactive collaboration between employees, partners, suppliers, and customers is a sure-fire way to boost efficiency while also reducing costs. Integrated voice, video, and data and wireless provides the kind of interactive calendaring, videoconferencing, IP communications, and other technologies your business needs to foster seamless, easy collaboration.
Enable employees to take their phone systems wherever they go. Missed calls create any number of business challenges, including operational inefficiencies (from trying to reach absent colleagues), project delays, missed opportunities and lost revenues. An IP communications solution enables your workforce to have one phone number that simultaneously rings on multiple devices, greatly increasing the chances of being reached on the first try. Workers can access their entire communications system wherever they go and can check e-mail, voice mail, fax and pages all in one inbox, among other benefits.
Streamline communications with customers. Interacting with customers efficiently and knowledgeably helps keep them satisfied—and few things are as important to your bottom line as satisfied customers. Linking an IP communications system to a customer relationship management (CRM) solution is one way to enhance customer communications. When a customer calls, a pop-up window of the customer contact record appears on an employee's IP phone screen, computer screen, or both. Before the second ring, the employee answering the call has access to information about the customer calling, such as orders pending and recent returns.
Reduce unproductive travel time. Any time spent traveling, particularly by airplane, can dramatically reduce operational efficiency. An IP communications solution that offers rich-media conferencing, such as videoconferencing, helps reduce the need to travel to offsite meetings and training sessions. The time saved from traveling can be better spent on more productive pursuits. Also, reducing travel saves money.
Outsource IT tasks. Is it the best use of an employee's time to manage your network security or IP communications system? Often, a more efficient option is to outsource such tasks to a managed service provider. A service provider has the expertise that your business needs but may lack, without the need to spend time or money developing that expertise in house.
Also, outsourcing enables your employees to stay focused on productive activities related to your business's core competencies. And that helps keep your business competitive.
Outsourcing tasks can help improve customer satisfaction and your competitiveness. "A lot of small businesses think it's cheaper to do everything themselves," says AMI-Partner's McCabe. "But employees can get overloaded, and they may not be in a good mood when interacting with your customers." McCabe adds that SMBs often don't do as good a job at an IT task, such as IP communications, as a managed service provider would do for them. "And if you're not doing a good job at something, your competition probably is," she adds.
Improve employee retention and satisfaction. When your business has inefficient processes, such as antiquated phone systems or a sluggish network, employees can get frustrated, because they can't get their jobs done with the tools provided. Customers may perceive that frustration and lose confidence in your business. Even worse, valued employees can become burned out and decide to move on. Not only have you lost a productive worker, you must spend time and money hiring a replacement. To help ensure employees are productive and satisfied, your business needs, at a minimum, a secure, reliable, always-available network.
Develop a long-term technology plan. Whenever you replace hardware that has become obsolete or ineffective, it's disruptive to workers—and that results in low productivity. You can minimize or eliminate such disruptions by carefully determining short- and long-term business objectives and the carefully mapping technology solutions to those objectives.
"Every year, you should try to determine how well your technology solutions map to your business objectives," McCabe advises. Ask your value-added reseller, network provider, or other trusted adviser for help, she says. "The companies who have a plan and keep it updated are most likely to streamline their operations—and outperform their competition."
To remain competitive in an increasingly competitive world, businesses must boost operational efficiency wherever possible. "Sooner or later, any company not operating efficiently will be out of business," says Laurie McCabe, vice president of small and medium-sized business (SMB) insights and solutions for research firm AMI-Partners. It's particularly important for SMBs to operate efficiently, McCabe adds, because they often have more limited resources than larger enterprises.
The following are 10 tips for using network technology to help your business increase operational efficiency, reduce costs, improve customer satisfaction, and stay ahead of the competition.
Provide employees with secure, consistent access to information. One advantage of being an SMB is the ability to react more quickly than larger competitors. But if your company network is frequently down, sluggish, or unsecured, that competitive advantage is eroded. A secure, reliable, self-defending network based on intelligent routers and switches provides your business with maximum agility by providing reliable, secure access to business intelligence. What's more, a secure, reliable network infrastructure provides the necessary foundation for a number of efficiency-enhancing technologies and solutions, such as IP communications.
Deliver anytime, anywhere access to mobile employees. SMB employees are typically more mobile than those in larger enterprises, says Jan Dawson, research director of Ovum Research. "Ubiquitous access to people and information is particularly important for SMBs," in order to be productive while on the go, he adds. Technologies enabling ubiquitous access include virtual private networks (VPNs), which securely connect remote workers to the company network, and pervasive wireless networks, which enable workers to stay connected to the network while roaming about an office building or campus.
Create effective business processes with partners. Some large enterprises make efficient, secure business processes a prerequisite for doing business with them. To develop efficient business processes that meet the requirements of your partners, your business needs a secure, reliable network infrastructure.
Make it easy to collaborate. Effective, interactive collaboration between employees, partners, suppliers, and customers is a sure-fire way to boost efficiency while also reducing costs. Integrated voice, video, and data and wireless provides the kind of interactive calendaring, videoconferencing, IP communications, and other technologies your business needs to foster seamless, easy collaboration.
Enable employees to take their phone systems wherever they go. Missed calls create any number of business challenges, including operational inefficiencies (from trying to reach absent colleagues), project delays, missed opportunities and lost revenues. An IP communications solution enables your workforce to have one phone number that simultaneously rings on multiple devices, greatly increasing the chances of being reached on the first try. Workers can access their entire communications system wherever they go and can check e-mail, voice mail, fax and pages all in one inbox, among other benefits.
Streamline communications with customers. Interacting with customers efficiently and knowledgeably helps keep them satisfied—and few things are as important to your bottom line as satisfied customers. Linking an IP communications system to a customer relationship management (CRM) solution is one way to enhance customer communications. When a customer calls, a pop-up window of the customer contact record appears on an employee's IP phone screen, computer screen, or both. Before the second ring, the employee answering the call has access to information about the customer calling, such as orders pending and recent returns.
Reduce unproductive travel time. Any time spent traveling, particularly by airplane, can dramatically reduce operational efficiency. An IP communications solution that offers rich-media conferencing, such as videoconferencing, helps reduce the need to travel to offsite meetings and training sessions. The time saved from traveling can be better spent on more productive pursuits. Also, reducing travel saves money.
Outsource IT tasks. Is it the best use of an employee's time to manage your network security or IP communications system? Often, a more efficient option is to outsource such tasks to a managed service provider. A service provider has the expertise that your business needs but may lack, without the need to spend time or money developing that expertise in house.
Also, outsourcing enables your employees to stay focused on productive activities related to your business's core competencies. And that helps keep your business competitive.
Outsourcing tasks can help improve customer satisfaction and your competitiveness. "A lot of small businesses think it's cheaper to do everything themselves," says AMI-Partner's McCabe. "But employees can get overloaded, and they may not be in a good mood when interacting with your customers." McCabe adds that SMBs often don't do as good a job at an IT task, such as IP communications, as a managed service provider would do for them. "And if you're not doing a good job at something, your competition probably is," she adds.
Improve employee retention and satisfaction. When your business has inefficient processes, such as antiquated phone systems or a sluggish network, employees can get frustrated, because they can't get their jobs done with the tools provided. Customers may perceive that frustration and lose confidence in your business. Even worse, valued employees can become burned out and decide to move on. Not only have you lost a productive worker, you must spend time and money hiring a replacement. To help ensure employees are productive and satisfied, your business needs, at a minimum, a secure, reliable, always-available network.
Develop a long-term technology plan. Whenever you replace hardware that has become obsolete or ineffective, it's disruptive to workers—and that results in low productivity. You can minimize or eliminate such disruptions by carefully determining short- and long-term business objectives and the carefully mapping technology solutions to those objectives.
"Every year, you should try to determine how well your technology solutions map to your business objectives," McCabe advises. Ask your value-added reseller, network provider, or other trusted adviser for help, she says. "The companies who have a plan and keep it updated are most likely to streamline their operations—and outperform their competition."
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Lazada Ramadhan
