Tip Memiliki Rumah Idaman

Dapatkan  pakej pinjaman rumah yang terbaik
Bercakap dengan seorang penasihat kewangan yang berpengalaman atau perunding yang mendengar keperluan anda dan mampu untuk menawarkan pendapat yang tidak berat sebelah pada pakej pinjaman rumah yang sedia ada, dan menentukan pakej pinjaman perumahan yang paling sesuai untuk anda.

Sediakan diri anda dari segi kewangan
Ke meja rundingan yang disediakan mendapatkan kewangan anda diselesaikan pertama. Pastikan anda mendapat sokongan kewangan yang anda perlukan dan mampu membayar bayaran gadai janji bulanan. Pastikan kamu menyatakan semua yuran yang terlibat dalam pembelian : kenderaan, peguam cara, setem , juru ukur, dan Ejen Harta (jika berkenaan) dan lain-lain bayaran
 
Kawalan emosi anda
Membeli harta adalah seperti bermain permainan poker. anda perlu meletakkan muka dan menyembunyikan emosi anda. Jangan lebih bertindak balas atau mempamerkan bahawa anda sangat berminat untuk harta itu, di hadapan sama ada penjual atau Ejen Harta . Kedua-dua orang ini mempunyai satu persamaan : mereka mahu mendapatkan sebanyak daripada anda yang mungkin. Jika anda bertindak terlalu berminat , anda pasti akan mendapatkan sebut harga yang lebih tinggi daripada yang diperlukan.

Bersabar
Membeli rumah adalah komitmen kewangan yang berubah untuk kewangan anda. Dengan pinjaman rumah akan menentukan bagaimana anda menguruskan kewangan peribadi anda untuk sebahagian besar dalam hidup anda. Jangan tergesa-gesa membuat perjanjian , buat semakan dan pengiraan anda dengan teliti sebelum anda melakukan diri anda . Satu keputusan terburu-buru mungkin bermakna wang ke dalam longkang. Jangan berputus asa walaupun anda kalah pada perjanjian itu , akan ada ciri-ciri lain di pasaran.

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Quote of the Day

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• Life is not measured by the number of breaths we take, but by the moments that take our breath away. –Maya Angelou
• Happiness is not something readymade.  It comes from your own actions. –Dalai Lama
• If you’re offered a seat on a rocket ship, don’t ask what seat! Just get on. –Sheryl Sandberg
• First, have a definite, clear practical ideal; a goal, an objective. Second, have the necessary means to achieve your ends; wisdom, money, materials, and methods. Third, adjust all your means to that end. –Aristotle
• If the wind will not serve, take to the oars. –Latin Proverb
• You can’t fall if you don’t climb.  But there’s no joy in living your whole life on the ground. –Unknown
• We must believe that we are gifted for something, and that this thing, at whatever cost, must be attained. –Marie Curie
• Too many of us are not living our dreams because we are living our fears. –Les Brown
• Challenges are what make life interesting and overcoming them is what makes life meaningful. –Joshua J. Marine
• If you want to lift yourself up, lift up someone else. –Booker T. Washington
• I have been impressed with the urgency of doing. Knowing is not enough; we must apply. Being willing is not enough; we must do. –Leonardo da Vinci
• Limitations live only in our minds.  But if we use our imaginations, our possibilities become limitless. –Jamie Paolinetti
• You take your life in your own hands, and what happens? A terrible thing, no one to blame. –Erica Jong
• What’s money? A man is a success if he gets up in the morning and goes to bed at night and in between does what he wants to do. –Bob Dylan
• I didn’t fail the test. I just found 100 ways to do it wrong. –Benjamin Franklin
• In order to succeed, your desire for success should be greater than your fear of failure. –Bill Cosby
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• A person who never made a mistake never tried anything new. – Albert Einstein

• The person who says it cannot be done should not interrupt the person who is doing it. –Chinese Proverb
• There are no traffic jams along the extra mile. –Roger Staubach
• It is never too late to be what you might have been. –George Eliot
• A truly rich man is one whose children run into his arms when his hands are empty. –Unknown
• It is not what you do for your children, but what you have taught them to do for themselves, that will make them successful human beings.  –Ann Landers
• If you want your children to turn out well, spend twice as much time with them, and half as much money. –Abigail Van Buren
• Build your own dreams, or someone else will hire you to build theirs. –Farrah Gray
• The battles that count aren’t the ones for gold medals. The struggles within yourself–the invisible battles inside all of us–that’s where it’s at. –Jesse Owens
• Education costs money.  But then so does ignorance. –Sir Claus Moser
• I have learned over the years that when one’s mind is made up, this diminishes fear. –Rosa Parks
• It does not matter how slowly you go as long as you do not stop. –Confucius
• If you look at what you have in life, you’ll always have more. If you look at what you don’t have in life, you’ll never have enough. –Oprah Winfrey
• Remember that not getting what you want is sometimes a wonderful stroke of luck. –Dalai Lama
• You can’t use up creativity.  The more you use, the more you have. –Maya Angelou
• Dream big and dare to fail. –Norman Vaughan
• Our lives begin to end the day we become silent about things that matter. –Martin Luther King Jr.
• Do what you can, where you are, with what you have. –Teddy Roosevelt
• If you do what you’ve always done, you’ll get what you’ve always gotten. –Tony Robbins
• Dreaming, after all, is a form of planning. –Gloria Steinem
• It’s your place in the world; it’s your life. Go on and do all you can with it, and make it the life you want to live. –Mae Jemison
• You may be disappointed if you fail, but you are doomed if you don’t try. –Beverly Sills
• Remember no one can make you feel inferior without your consent. –Eleanor Roosevelt
• Life is what we make it, always has been, always will be. –Grandma Moses
• The question isn’t who is going to let me; it’s who is going to stop me. –Ayn Rand
• When everything seems to be going against you, remember that the airplane takes off   against the wind, not with it. –Henry Ford
  

   

  


• It’s not the years in your life that count. It’s the life in your years. –Abraham Lincoln
• Change your thoughts and you change your world. –Norman Vincent Peale
• Either write something worth reading or do something worth writing. –Benjamin Franklin
• Nothing is impossible, the word itself says, “I’m possible!” –Audrey Hepburn
• The only way to do great work is to love what you do. –Steve Jobs
• If you can dream it, you can achieve it. –Zig Ziglar

Quote of the Day

Life

•  Whatever the mind of man can conceive and believe, it can achieve. –Napoleon Hill
• Strive not to be a success, but rather to be of value. –Albert Einstein
• Two roads diverged in a wood, and I—I took the one less traveled by, And that has made all the difference.  –Robert Frost
• I attribute my success to this: I never gave or took any excuse. –Florence Nightingale
• You miss 100% of the shots you don’t take. –Wayne Gretzky
• I’ve missed more than 9000 shots in my career. I’ve lost almost 300 games. 26 times I’ve been trusted to take the game winning shot and missed. I’ve failed over and over and over again in my life. And that is why I succeed. –Michael Jordan
• The most difficult thing is the decision to act, the rest is merely tenacity. –Amelia Earhart
• Every strike brings me closer to the next home run. –Babe Ruth
• Definiteness of purpose is the starting point of all achievement. –W. Clement Stone
• We must balance conspicuous consumption with conscious capitalism. –Kevin Kruse
• Life is what happens to you while you’re busy making other plans. –John Lennon
• We become what we think about. –Earl Nightingale
• Twenty years from now you will be more disappointed by the things that you didn’t do than by the ones you did do, so throw off the bowlines, sail away from safe harbor, catch the trade winds in your sails.  Explore, Dream, Discover. –Mark Twain
• The most common way people give up their power is by thinking they don’t have any. –Alice Walker

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• The best time to plant a tree was 20 years ago. The second best time is now. –Chinese Proverb
• An unexamined life is not worth living. –Socrates
• Eighty percent of success is showing up. –Woody Allen
• Your time is limited, so don’t waste it living someone else’s life. –Steve Jobs
• Winning isn’t everything, but wanting to win is. –Vince Lombardi
• I am not a product of my circumstances. I am a product of my decisions. –Stephen Covey
• Every child is an artist.The problem is how to remain an artist once he grows up. –Pablo Picasso
• You can never cross the ocean until you have the courage to lose sight of the shore. –Christopher Columbus
• I’ve learned that people will forget what you said, people will forget what you did, but people will never forget how you made them feel. –Maya Angelou
• Either you run the day, or the day runs you. –Jim Rohn
• Whether you think you can or you think you can’t, you’re right. –Henry Ford
• The two most important days in your life are the day you are born and the day you find out why. –Mark Twain
• Whatever you can do, or dream you can, begin it.  Boldness has genius, power and magic in it. –Johann Wolfgang von Goethe
• The best revenge is massive success. –Frank Sinatra
• People often say that motivation doesn’t last. Well, neither does bathing.  That’s why we recommend it daily. –Zig Ziglar

• If you hear a voice within you say “you cannot paint,” then by all means paint and that voice will be silenced. –Vincent Van Gogh
• There is only one way to avoid criticism: do nothing, say nothing, and be nothing. –Aristotle

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• The only person you are destined to become is the person you decide to be. –Ralph Waldo Emerson
• Go confidently in the direction of your dreams.  Live the life you have imagined. –Henry David Thoreau
• When I stand before God at the end of my life, I would hope that I would not have a single bit of talent left and could say, I used everything you gave me. –Erma Bombeck
• Few things can help an individual more than to place responsibility on him, and to let him know that you trust him.  –Booker T. Washington
• Certain things catch your eye, but pursue only those that capture the heart. – Ancient Indian Proverb
• Believe you can and you’re halfway there. –Theodore Roosevelt
• Everything you’ve ever wanted is on the other side of fear. –George Addair
• We can easily forgive a child who is afraid of the dark; the real tragedy of life is when men are afraid of the light. –Plato
• Teach thy tongue to say, “I do not know,” and those shalt progress. –Maimonides
• Start where you are. Use what you have.  Do what you can. –Arthur Ashe
• When I was 5 years old, my mother always told me that happiness was the key to life.  When I went to school, they asked me what I wanted to be when I grew up.  I wrote down ‘happy’.  They told me I didn’t understand the assignment, and I told them they didn’t understand life. –John Lennon
• Fall seven times and stand up eight. –Japanese Proverb
• When one door of happiness closes, another opens, but often we look so long at the closed door that we do not see the one that has been opened for us. –Helen Keller
• Everything has beauty, but not everyone can see. –Confucius
• How wonderful it is that nobody need wait a single moment before starting to improve the world. –Anne Frank
• When I let go of what I am, I become what I might be. –Lao Tzu

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The Millionaire's Retirement Plan.

The Millionaire's Retirement Plan.

If you're just entering the workforce, retirement probably seems like a lifetime away. A million dollars by retirement? That's someone else's dream, right? It doesn't have to be. Here is the millionaire's retirement plan. For these calculations, assume an average annual return of 8%, adjusted for inflation at 3% - a reasonable estimate of average market returns.

Age 25: A Good Beginning
You're 25 and landed that first job on your career ladder - congratulations! Before you start living to your new paycheck's standards, budget your retirement savings. If you have a KWSP plan that matches your contributions, use it! These matching dollars are like a guaranteed return on investment. If you don't have a matching KWSP, look for a mutual fund through an investment firm with low fees; many now offer target funds, which allocate your investment risk with your targeted retirement year in mind - great for a beginning investor.
Plan to start by saving about RM200 a month to reach your millionaire goal; increasing this monthly amount by RM10 annually as you get a raise or promotion will only speed up your saving.

Age 35: Rolling Along
By now you have saved about RM45,000 and you've grown in your career with a bigger paycheck, but often, family commitments like children and a mortgage will seem more pressing than saving for your golden years. Don't make the mistake of slowing down your retirement savings. By now, you should ramp up your contributions to about RM400 a month - remember that a matching KWSP will help you in attaining this amount.
If you have kids and worry about saving for their college, look at it this way: the best way to help them in the future is by ensuring you're financially sound in retirement. Make saving for retirement a priority.

Age 45: Holding Steady
You're mid-career, and things are looking good in your retirement portfolio. Your savings have grown to about RM160,000 - not bad, but it still isn't quite time to slow down. Increase your retirement contributions to about RM450 a month or more, and you'll be rolling your way to millionaire status by 65.

Age 55: Close to the Finish Line
By age 55, your retirement portfolio should be at RM400,000 or so. You can start to see the finish line, but begin to wonder about risk. If you've been investing in a target fund, your portfolio has been adjusting its allocation for you; otherwise, look at adjusting some of your investments to reflect a lower risk tolerance. And remember: your income at, say, age 70 won't be withdrawn for another 15 years - plenty of time to ride out market fluctuations.

At age 55, expect to really ramp up your retirement contributions, to roughly RM600 a month, and more if you can manage it. The more you save, the sooner you can leave the nine-to-five behind.

Age 65: Prudent Asset Management
You're at the finish line: a millionaire at 65! Since you have no way to add to your savings now that you're out of the workplace, prudent asset management is vital. Keep a close eye on your portfolio so you can make your nest egg last. Protect yourself against inflation as well as market risk, and you'll be enjoying your golden years without financial worries.

With steady savings and smart financial habits, you can retire a millionaire - maybe even before you're 65.

The Millionaire's Retirement Plan
Fleur Bradley

7 Amanat Syed Mokhtar Al-Bukhary kepada usahawan

1. Fokus sebelum mempelbagaikan cabang perniagaan.

Usahawan perlu fokus kepada sesuatu perniagaan sehingga stabil dan kukuh sebelum mempelbagaikan perniagaan.

2. Perniagaan perlukan masa dan usaha.

 Usahawan muda jangan terlalu cepat ingin Berjaya.Setiap usaha memerlukan fasa kesusahan, cabaran dan sebagainya.

3. jangan mudah berputus asa.

Setiap perniagaan sama ada kecil atau besar akan ada masalah, cabaran dan kerenah yang tersendiri. oleh itu usahawan tidak boleh mudah berputus asa dan mengalah pada pada cabaran.

4. Jangan sering mengharap untuk dibantu.

• Para usahawan tidak boleh sekadar berharap untuk dibantu, tetapi perlu bersedia daripada segi fizikal dan mental sebelum sebelum menceburi bidang keusahawanan.

5. Yakin dengan kemampuan dan kelebihan diri sendiri.

•     Usahawan perlu yakin dengan diri sendiri dan apa yang sedang diusahakan.Ramai usahawan Bumiputera tidak berjaya bukan kerana idea mereka tidak bagus, tetapi tidak yakin dengan kemampuan sendiri.

6. Berniaga bukan untuk siri sendiri.

•      Usahawan perlu kembali menyumbang kepada masyarakat. Jangan menjual perniagaan kepada orang lain kerana perlu memikirkan tentang nasib para pekerja yang selama ini bergantung rezeki dengan perniagaan yang diusahakan.

7. Usahawan Islam ada akhirat.

•      Setiap usahawan Islam tidak sama dengan usahawan bukan islam dan perlu memikirkan tentang manfaat di dunia dan akhirat.

   

Quote of the Day : Life

Life

In three words I can sum up everything I've learned about life: it goes on.
Robert Frost

Believe that life is worth living and your belief will help create the fact.

William James

 

Life is really simple, but we insist on making it complicated.

Confucius

 

Change is the law of life. And those who look only to the past or present are certain to miss the future.

John F. Kennedy

 

You will never be happy if you continue to search for what happiness consists of. You will never live if you are looking for the meaning of life.

Albert Camus

 

All life is an experiment. The more experiments you make the better.

Ralph Waldo Emerson

 

How far you go in life depends on your being tender with the young, compassionate with the aged, sympathetic with the striving and tolerant of the weak and strong. Because someday in your life you will have been all of these.

George Washington Carver

 

Only a life lived for others is a life worthwhile.

Albert Einstein

 

The most important thing is to enjoy your life - to be happy - it's all that matters.

Audrey Hepburn

 

Change your life today. Don't gamble on the future, act now, without delay.

Simone de Beauvoir

 

Quote of the Day : Leadership

Quote of the Day 

Leadership

If you think you can do a thing or think you can't do a thing, you're right.

Henry Ford

 

A leader is best when people barely know he exists, when his work is done, his aim fulfilled, they will say: we did it ourselves.

Lao Tzu

Effective leadership is not about making speeches or being liked; leadership is defined by results not attributes.

Peter Drucker

 

Be a yardstick of quality. Some people aren't used to an environment where excellence is expected.

Steve Jobs

 

I suppose leadership at one time meant muscles; but today it means getting along with people.

Mahatma Gandhi

If your actions inspire others to dream more, learn more, do more and become more, you are a leader.

John Quincy Adams

 

Be careful the environment you choose for it will shape you; be careful the friends you choose for you will become like them.

W. Clement Stone

 

When you can't make them see the light, make them feel the heat.

Ronald Reagan

 

A leader is one who knows the way, goes the way, and shows the way.

John C. Maxwell

 

Management is doing things right; leadership is doing the right things.

Peter Drucker

 

People ask the difference between a leader and a boss. The leader leads, and the boss drives.

Theodore Roosevelt

 

Leadership is the art of getting someone else to do something you want done because he wants to do it.

Dwight D. Eisenhower

 

When the best leader's work is done the people say, 'We did it ourselves.'

Lao Tzu

Speak softly and carry a big stick; you will go far.

Theodore Roosevelt

Be the chief but never the lord.

Lao Tzu