akpk pengurusan kewangan berhemah dewan bahasa & pustaka 21/1/2010

AKPKPengurusan Kewangan

Berhemah

Dewan Bahasa & Pustaka21/1/2010

PengenalanAKPK adalah sebuah agensi yang ditubuhkan oleh

BNM pada 17 April 2006 dan memberikan

perkhidmatan seperti:

• Pendidikan Kewangan

• Kaunseling Kredit

• Program Pengurusan Kewangan (PPK)

Untuk individu Sahaja

Cabaran Kewangan Semasa

Perbelanjaan Pendapatan

Gaji tak naik!!!

Susah cari wang!!!

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http://rds.yahoo.com/_ylt=A9G_bHNm1cRIi0kBMNmJzbkF;_ylu=X3oDMTBxNGFtOGxpBHBvcwMxBHNlYwNzcgR2dGlkA0kwODZfMTA4/SIG=1hqu49b1n/EXP=1220945638/**http%3A/images.search.yahoo.com/images/view%3Fback=http%253A%252F%252Fimages.search.yahoo.com%252Fsearch%252Fimages%253Fp%253DDollar%252Bsign%2526fr%253Dyfp-t-501%2526ei%253Dutf-8%2526x%253Dwrt%26w=125%26h=125%26imgurl=www.buyerschoicerealty.com%252Ffsbo%252Fassets%252Fimages%252Fgreen_dollar_sign.gif%26rurl=http%253A%252F%252Fwww.buyerschoicerealty.com%252Ffsbo%252Fhtml%252Ftips.html%26size=3.5kB%26name=green_dollar_sign.gif%26p=Dollar%2Bsign%26type=gif%26oid=a64cafaf6c324960%26no=1%26tt=19,521%26sigr=11lcp38ak%26sigi=123b4ojc1%26sigb=12mit8vj2

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http://images.google.com.my/imgres?imgurl=http://www.quarrygirl.com/wp-content/2008/07/mee-goreng.jpg&imgrefurl=http://www.quarrygirl.com/tag/mee-goreng/&usg=___uGKblqJyRTXDGJd3Z60YFh6uB0=&h=305&w=480&sz=60&hl=en&start=8&tbnid=JjoCeHZbwHKTaM:&tbnh=82&tbnw=129&prev=/images%3Fq%3Dmee%2Bgorent%26gbv%3D2%26hl%3Den

Agihan Pendapatan - Malaysia>RM 5,000 9.8%

RM 4,001 – RM5,000 5.5%

RM 3,001 – RM 4,000 9.6%

RM 2,001 – RM3,000 17.4%

RM 1,001 – RM 2,000 32.7%

RM 501 – RM 1,000 20%

< RM500 5%

Sumber : 8th M’sia Plan

70%

Kenapa Pegurusan Kewangan Penting?

• Panduan Mencapai Matlamat Hidup

• Melindungi Diri dan Orang Tersayang

• Mengelakkan Masalah Kewangan

Six Basic Steps

‘Nobody plans to fail, many, however, fail to plan.’William A.

Ward

Bagaimana Kita Hidup Di dalam Kemampuan?

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Apa & Bagaimana?

Langkah-

Langlah

Tindakan Do’s Don'ts

1 Tahu akan kemampuan sendiri

Mulakan dengan pendapatan bersih

Jangan campurkan jumlah kredit dari kad Kredit

http://images.google.com.my/imgres?imgurl=http://69.90.174.246/photos/display_pic_with_logo/96467/96467,1181672575,1.jpg&imgrefurl=http://www.shutterstock.com/pic-3509983.html&usg=__XxmoVaR_za7JpbH9lF-G0h9Qvbg=&h=470&w=449&sz=37&hl=en&start=84&tbnid=sGBiP8FPmJiKiM:&tbnh=129&tbnw=123&prev=/images%3Fq%3Dtick%2Bsymbol%26gbv%3D2%26ndsp%3D21%26hl%3Den%26sa%3DN%26start%3D63

http://images.google.com.my/imgres?imgurl=http://www.istockphoto.com/file_thumbview_approve/1150390/2/istockphoto_1150390_beads_wrong_x_mark.jpg&imgrefurl=http://www.istockphoto.com/file_closeup/life/recreation/games/1150390_beads_wrong_x_mark.php%3Fid%3D1150390&usg=__a9sT9HyGDCThsWQDYPiqPMtZ1Po=&h=380&w=333&sz=53&hl=en&start=1&tbnid=YyxRE0PTQkwysM:&tbnh=123&tbnw=108&prev=/images%3Fq%3Dwrong%2Bmark%26gbv%3D2%26hl%3Den

http://images.google.com.my/imgres?imgurl=http://moneymentors.us/db5/00460/moneymentors.us/_uimages/MPj038533800001.jpg&imgrefurl=http://moneymentors.us/_wsn/page3.html&usg=__6sVnrNUAkAydv4BKdlTyPy6Ii_I=&h=750&w=1050&sz=89&hl=en&start=57&tbnid=CU862ajtaKPy2M:&tbnh=107&tbnw=150&prev=/images%3Fq%3Dfinancial%2Bstanding%26gbv%3D2%26ndsp%3D21%26hl%3Den%26sa%3DN%26start%3D42

http://images.google.com.my/imgres?imgurl=http://mycreditcardsolution.com/wp-content/uploads/credit-card-03.jpg&imgrefurl=http://mycreditcardsolution.com/shopping-for-a-credit-card/&usg=__4RQjnert-552DCqqi0h1g7wyHKk=&h=304&w=454&sz=29&hl=en&start=3&tbnid=te2E6L4xUz7dCM:&tbnh=86&tbnw=128&prev=/images%3Fq%3Dmalaysia%2Bcredit%2Bcard%26gbv%3D2%26hl%3Den

Simpanan Bagi kebanyakan orang:

Pendapatan Bersih Tolak

Perbelanjaan =SIMPANAN

‘ Choose to be different from most people TODAY!!!!.’

Simpanan bagi orang yang bijak:

Pendapatan Bersih tolak

SIMPANAN =Perbelanjaan

‘Starting NOW, be smart.’

Penyata Gaji 1

Gaji Kasar 2,500 Tolak:EPF 275 11%SOCSO 15Net Salary 2,210

SIMPANAN 220 10%

Perbelanjaan 1,990

RM

Penyata Gaji 2

Gaji kasar 2,500 Less:EPF 275 11%SOCSO 15Housing Loan 600Vehicle Loan 450 46%*Co-operative Loan 100 1,060

SIMPANAN 220 10%

Perbelanjaan 840* > 33% gross income – 2nd job, wife work, rent out room, or cut down expenditure or combination

RM

Kuasa Menyimpan RM1.00

1511 2009498 Tahun

RM1.00

RM35.7BCompounded @ 5.0% p.a

US$10.2B

http://rds.yahoo.com/_ylt=A0S020tXM8dJJvQAJoyJzbkF;_ylu=X3oDMTBpZm5udGl1BHBvcwM1BHNlYwNzcgR2dGlkAw--/SIG=1m22uh1cg/EXP=1237877975/**http%3A/images.search.yahoo.com/images/view%3Fback=http%253A%252F%252Fimages.search.yahoo.com%252Fsearch%252Fimages%253Fp%253Dportuguese%252Bin%252Bmalacca%2526fr%253Dyfp-t-501%2526ei%253Dutf-8%2526x%253Dwrt%26w=500%26h=332%26imgurl=static.flickr.com%252F2265%252F2532936809_170f5cbb7c.jpg%26rurl=http%253A%252F%252Fwww.flickr.com%252Fphotos%252Fkinfriend%252F2532936809%252F%26size=176.2kB%26name=Malacca%2BA%2527Famosa%26p=portuguese%2Bin%2Bmalacca%26type=JPG%26oid=80ec45f48f80d552%26fusr=kinfriend%26tit=Malacca%2BA%2527Famosa%26hurl=http%253A%252F%252Fwww.flickr.com%252Fphotos%252Fkinfriend%252F%26no=5%26tt=4,798%26sigr=11iivg33j%26sigi=11gtqmo7u%26sigb=130bnltne%26sigh=117ogc195

http://en.wikipedia.org/wiki/File:Afonso_de_Albuquerque.jpg

Contohi Mereka:

Individu Anggaran Kekayaan*

1 Robert Kuok US$10 B

2 Ananda Krishnan US$7.2 B

3 Lee Shin Cheng US$5.5 B

4 Teh Hong Piow US$3.5 B

5 Lee Kim Hua US$3.4 B

6 Quek Leng Chan US$2.4 B

US$10.2B

* Per Forbes Magazine 2008

Tabung kecemasan- Emergency Buffer Fund [EBF]

Belanja Tetap RM

1. Sewa/ Pinjaman Perumahan 800

2. Pinjaman Sewabeli 600

3. Orang Gaji 400

4. Belanja Runcit 600

5. Bas sekolah/ Pengangkutan 200

6. Tuisyen etc 200

Sub-total 2,800

VARIABLE EXPENSES1. Utiliti 200

2. Pakaian 200

3. Hiburan etc 100

Sub-total 500

TOTAL 3,300

EBF:RM3,300 x 6 bulan = RM 19,800

• Rakyat Malaysia belum bersedia dari segi kewangan jika berlaku kehilangan punca pendapatan kerana kurang menabung

• 2/5 individu (39%) yang menabung

• <1/3 individu (28%) buat bajet & patuhi

• 21% mampu bertahan 4 minggu sahaja

FAKTA

Apa & Bagaimana?

Langkah-

Langkah


2 Tetapkan Matlamat Kewangan

Sepakat Bersama Ahli Keluarga

Jangan buat keputusan sendiri



http://images.google.com.my/imgres?imgurl=http://www.sarahsneed.com/images/purestock_1574r-01528b.medium.jpg&imgrefurl=http://www.sarahsneed.com/&usg=__B4Mwqd1Cja2ZGxguE0tLOh95Bys=&h=300&w=450&sz=103&hl=en&start=5&tbnid=SxChu8sXKYsJNM:&tbnh=85&tbnw=127&prev=/images%3Fq%3Dharmony%2Bfamily%26gbv%3D2%26hl%3Den

http://images.google.com.my/imgres?imgurl=http://www.colouredfeelingsuniverse.com/blog/wp-content/uploads/2008/11/couple-argue-back-to-back2.jpg&imgrefurl=http://www.colouredfeelingsuniverse.com/blog/&usg=__Bpu7ZHKFMWdqy8ND6_vBoE2AZK4=&h=282&w=425&sz=133&hl=en&start=4&tbnid=JB0tmGWeGYR0nM:&tbnh=84&tbnw=126&prev=/images%3Fq%3Dargue%26gbv%3D2%26hl%3Den

Belanjawan– Belanja ikut kemampuan– Simpan sebahagian sebagai

Tabungan

Rujuk kepada Matlamat Anda!!– Matlamat peribadi– Matlamat Kewangan

“A BUDGET WILL WORK IF YOU FOLLOW IT”

http://images.google.com.my/imgres?imgurl=http://i.ehow.com/images/GlobalPhoto/Articles/4541597/SavingMoney-main_Full.jpg&imgrefurl=http://www.ehow.com/how_2000781_save-money-everyday.html&usg=__-eMa6pZicAmXxLwPTeQzfVdbNhs=&h=401&w=600&sz=31&hl=en&start=22&tbnid=bh2dtLbmB75D8M:&tbnh=90&tbnw=135&prev=/images%3Fq%3Dsaving%26gbv%3D2%26ndsp%3D20%26hl%3Den%26sa%3DN%26start%3D20

Bagaimana hendak Menetapkan Matlamat?

Matlamat kewangan Saya

Short Term< 3 year

Medium Term3-5 years

Long term> 5 years

Deposit

http://images.google.com/imgres?imgurl=http://weblogs.cltv.com/news/local/chicago/Money%2520stacks.jpg&imgrefurl=http://weblogs.cltv.com/news/local/chicago/2008/04/&usg=__w9PvaOHOTy0LHUvBjpyk-p4f2UE=&h=309&w=339&sz=15&hl=en&start=16&tbnid=8kRIkifjsVYtYM:&tbnh=108&tbnw=119&prev=/images%3Fq%3Dmoney%26gbv%3D2%26hl%3Den%26sa%3DG

http://images.google.com/imgres?imgurl=http://weblogs.cltv.com/news/local/chicago/Money%2520stacks.jpg&imgrefurl=http://weblogs.cltv.com/news/local/chicago/2008/04/&usg=__w9PvaOHOTy0LHUvBjpyk-p4f2UE=&h=309&w=339&sz=15&hl=en&start=16&tbnid=8kRIkifjsVYtYM:&tbnh=108&tbnw=119&prev=/images%3Fq%3Dmoney%26gbv%3D2%26hl%3Den%26sa%3DG

http://jeffreyleow.files.wordpress.com/2007/10/emergency.jpg

http://images.google.com/imgres?imgurl=http://www.azcitygroup.com/wordpress/wp-content/uploads/2008/12/kancil_8501a.jpg&imgrefurl=http://www.azcitygroup.com/v1/&usg=__AlBSJwAYG8t9gjMEMr9ItB9QmMY=&h=333&w=500&sz=82&hl=en&start=1&tbnid=YoYhltjH085JGM:&tbnh=87&tbnw=130&prev=/images%3Fq%3Dkancil%26gbv%3D2%26hl%3Den%26sa%3DG

http://images.google.com.my/imgres?imgurl=http://novaadila.files.wordpress.com/2008/11/air-asia-airline.jpg&imgrefurl=http://novaadila.wordpress.com/2008/11/&usg=__tNodc7or4Oq2Pfrs_5Mo3zaCLSY=&h=287&w=500&sz=51&hl=en&start=5&tbnid=bKz9S2BMNL_EFM:&tbnh=75&tbnw=130&prev=/images%3Fq%3Dair%2Basia%26gbv%3D2%26hl%3Den

http://images.google.com.my/imgres?imgurl=http://www.portraitworkshop.com/images_caricatures_portraits/Q-Digital_caricatures/Q-Digital%2520Caricatures%2520%2520-Chinese%2520Wedding.jpg&imgrefurl=http://www.portraitworkshop.com/rates_caricatures.php&usg=__oGGByvTLK7sq7eP3gd__4Wsvhec=&h=245&w=367&sz=168&hl=en&start=10&tbnid=E9yZjLR5wxv8MM:&tbnh=81&tbnw=122&prev=/images%3Fq%3Dchinese%2Bwedding%26gbv%3D2%26hl%3Den

http://images.google.com.my/imgres?imgurl=http://www.globusjourneys.com/Common/Images/Destinations/china-great-wall-2.jpg&imgrefurl=http://www.globusjourneys.com/Product.aspx%3Ftrip%3D0OL%26source%3DGL_Asia&usg=__KG7AvXO2EJ8iJJaW97CZQB2S-X8=&h=300&w=300&sz=82&hl=en&start=12&tbnid=faQhS-hrNGCB5M:&tbnh=116&tbnw=116&prev=/images%3Fq%3Dchina%2Bgreat%2Bwall%26gbv%3D2%26hl%3Den

http://images.google.com.my/imgres?imgurl=http://www.uoregon.edu/~cstein/cute-chinese-baby.jpg&imgrefurl=http://savannahred.blogspot.com/2008/06/at-least-we-have-chinese-beat-in-one.html&usg=__icf74mxE7X2hC7n77vytGorPp5Y=&h=384&w=284&sz=14&hl=en&start=22&tbnid=mqkVc4tTa8xuRM:&tbnh=123&tbnw=91&prev=/images%3Fq%3Dchina%2Bbaby%26gbv%3D2%26ndsp%3D20%26hl%3Den%26sa%3DN%26start%3D20

http://images.google.com.my/imgres?imgurl=http://www.hyperrealiti.com/Drupal2/files/UDA.jpg&imgrefurl=http://www.hyperrealiti.com/Drupal2/blog/4&usg=__MUr94PzQB9i1yyoFEtnTtORSVe0=&h=667&w=1000&sz=127&hl=en&start=16&tbnid=PZTV-wxIgf1k2M:&tbnh=99&tbnw=149&prev=/images%3Fq%3Dterrace%2Bhouse%26gbv%3D2%26hl%3Den

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http://images.google.com.my/imgres?imgurl=http://www.gizoo.co.uk/Products/HomeGarden/Home/CoinSavingJar/Additional/lrg-5-coingSavingJar.jpg&imgrefurl=http://www.gizoo.co.uk/Products/HomeGarden/Home/CoinSavingJar.htm&usg=__wQ7dHdemb_auRLo8ltnVjn4dP98=&h=1000&w=1000&sz=191&hl=en&start=41&tbnid=bc6EoW1Mi3kOWM:&tbnh=149&tbnw=149&prev=/images%3Fq%3Dsaving%26gbv%3D2%26ndsp%3D20%26hl%3Den%26sa%3DN%26start%3D40

Budget membantu anda untuk merancang kewangan yang lebih baik

• Tulis pendapatan bulanan anda• Senaraikan perbelanjaan bulanan• Peruntukan dana untuk kecemasan dan

perbelanjaan bermusim

Kalau tiada baki untuk simpanan,• Kaji semula perbelanjaan • Kurangkan perbelanjaan yang tidak perlu

BAJET PERBELANJAAN SEBENAR

MASUKPENDAPATAN

Gaji & Elaun

Kerja sambilan

Jumlah Masuk A

PERBELANJAAN

KELUAR

Makanan dan Minuman

Pengangkutan/Kenderaan

Pelajaran

Tempat tinggal

Pakaian

Persendirian

Simpanan

Hiburan

Lain-Lain

Jumlah Keluar B

LEBIHAN/ KURANGAN

Apa & Bagaimana?

Langkah-

Langkah


3 Berhati-hati Berbelanja

Rekodkan perbelanjaan harian bagi mengelakkan kejutan

Mengikut hawa nafsu



http://images.google.com.my/imgres?imgurl=http://www.mediatinker.com/blog/images/journal.jpg&imgrefurl=http://www.mediatinker.com/blog/archives/cat_creativity.html&usg=__dvaXBYbuxZ8v4Lsq8ed5j4qbMtM=&h=268&w=319&sz=22&hl=en&start=3&tbnid=-lpM_TEPou0kRM:&tbnh=99&tbnw=118&prev=/images%3Fq%3Djournal%26gbv%3D2%26hl%3Den

http://images.google.com.my/imgres?imgurl=http://4.bp.blogspot.com/_rRA4Q_P3_EI/SZ71YlZ19MI/AAAAAAAAABA/mbBErBNnrls/s320/debt_consolidation.jpg&imgrefurl=http://financelearning.blogspot.com/&usg=__jMQwkjS7eqokltWzTi9URQH5cX0=&h=318&w=300&sz=15&hl=en&start=41&tbnid=xliIHyRv6eKCyM:&tbnh=118&tbnw=111&prev=/images%3Fq%3Ddebt%26gbv%3D2%26ndsp%3D21%26hl%3Den%26sa%3DN%26start%3D21

Cara Berjimat Cermat

• Makan di rumah;• Bawa bekalan untuk sarapan & Makan tengahari;• Gunakan Kemudahan yang ditawarkan oleh Majikan

e.g. Minuman dan makanan ringan yang tersedia daripada berbelanja diluar;

• Berpakat dengan saudara dan rakan dengan membuat pembelian didalam kuantiti besar dan murah;

http://images.google.com.my/imgres?imgurl=http://blogs.hgtv.com/hgtv/etips/lunch%2520jar.jpg&imgrefurl=http://blog.hgtv.com/etips/category/green/&usg=__64sY1gM591pId_HMvl78of6oed4=&h=280&w=280&sz=14&hl=en&start=11&tbnid=XBWBZwnlhE5R2M:&tbnh=114&tbnw=114&prev=/images%3Fq%3Dpack%2Bfood%26gbv%3D2%26ndsp%3D21%26hl%3Den%26sa%3DN

http://images.google.com.my/imgres?imgurl=http://www.refreshmentshop.co.uk/images/single_serve_portion/469898.jpg&imgrefurl=http://www.refreshmentshop.co.uk/index.php%3Fmain_page%3Dproduct_info%26products_id%3D54&usg=__8dWaz_mhcIZ9lMdwv89X-Fz_Us0=&h=300&w=300&sz=32&hl=en&start=29&tbnid=gVXoHSqzaaQrXM:&tbnh=116&tbnw=116&prev=/images%3Fq%3Dnescafe%2Bvending%2Bmachine%26gbv%3D2%26ndsp%3D21%26hl%3Den%26sa%3DN%26start%3D21


• Gunakan Pengangkutan Awam;• Berkongsi Kereta;• Cari peluang bekerja dirumah;• Rancang perjalanan – optimakan perjalanan– singgah

semua tempat dalam satu trip – hadkan trip ke pasar/supermarket;

http://images.google.com.my/imgres?imgurl=http://www.petertan.com/images2/rapidkl-wimg9318.jpg&imgrefurl=http://www.petertan.com/blog/2007/07/06/rapidkl-fails-to-launch-accessible-buses/&usg=__pny175vfKS-mHVHpnBV5gqzrpqY=&h=480&w=640&sz=40&hl=en&start=9&tbnid=BIS3cYh_qYKTCM:&tbnh=103&tbnw=137&prev=/images%3Fq%3Dbus%2Bmalaysia%26gbv%3D2%26hl%3Den

http://images.google.com.my/imgres?imgurl=http://i4.photobucket.com/albums/y112/arezeo/Misc/malaysia_star_lrt.jpg&imgrefurl=http://arezeo.blogspot.com/2008/02/mundur-sekali-kereta-api-indonesia.html&usg=__MgNKn6kuUp7dTmOTHZNUOrnDnDg=&h=350&w=640&sz=189&hl=en&start=2&tbnid=29La6AcTCvgN0M:&tbnh=75&tbnw=137&prev=/images%3Fq%3DLRT%2Bmalaysia%26gbv%3D2%26hl%3Den

http://images.google.com.my/imgres?imgurl=http://www.thecarpool.com.au/site/images/logo.gif&imgrefurl=http://www.thecarpool.com.au/site/index.cfm%3Ffuseaction%3Ds.showCorporateHome&usg=__gh7FPkgT6yJSyTUX5dVWMYwcDrQ=&h=203&w=177&sz=14&hl=en&start=26&tbnid=Gh72-aEdPqpyUM:&tbnh=105&tbnw=92&prev=/images%3Fq%3Dcar%2Bpool%26gbv%3D2%26ndsp%3D21%26hl%3Den%26sa%3DN%26start%3D21


• Baca berita melalui internet;• Kurangkan saluran TV;• Kurangkan penggunaan elektrik, air telefon;• Gunakan air hujan untuk kegunaan luaran

rumah;• Tonton DVD dan kurangkan ke Panggung

wayang;• Amalkan perbankan internet;

http://images.google.com.my/imgres?imgurl=http://www.microsoft.com/library/media/1033/windowsxp/images/using/moviemaker/create/68860-insert-dvd.jpg&imgrefurl=http://www.microsoft.com/windowsxp/using/moviemaker/create/savetodvd.mspx&usg=__WJT0JSMaNYrHUVOmcikPBL9nhgU=&h=353&w=530&sz=19&hl=en&start=1&tbnid=YeMa4BISUTk5KM:&tbnh=88&tbnw=132&prev=/images%3Fq%3DDVD%26gbv%3D2%26hl%3Den

http://images.google.com.my/imgres?imgurl=http://www.theaccidentalpm.com/wp-content/uploads/2009/01/online-banking.jpg&imgrefurl=http://www.theaccidentalpm.com/tag/product-design&usg=__qvPq5u9hBTT4OaNkefEp1ekLJiM=&h=506&w=337&sz=55&hl=en&start=1&tbnid=SwPAeJ0CL6o40M:&tbnh=131&tbnw=87&prev=/images%3Fq%3Dinternet%2Bbanking%26gbv%3D2%26ndsp%3D21%26hl%3Den%26sa%3DN


• Makan Angin di dalam negeri;• Berhenti/kurangkan merokok, berhibur etc;• Bersenam di kawasan awam dari menyertai kelab2

kesihatan.

http://images.google.com.my/imgres?imgurl=http://www.wired-destinations.com/images/guides/malaysia/New%2520Photos/Malaysia/Sunset%2520Malaysia.jpg&imgrefurl=http://wired-destinations.com/hotels/Malaysia/Malaysia_travel_guide_beaches.htm&usg=__OwHXShIbsaVBk03Q24pzCrwPazM=&h=503&w=364&sz=27&hl=en&start=12&tbnid=jxowQj4AY-jjsM:&tbnh=130&tbnw=94&prev=/images%3Fq%3Dmalaysia%2Bbeach%26gbv%3D2%26hl%3Den

http://images.google.com.my/imgres?imgurl=http://stockholmthemusical.com/blog/wp-content/uploads/2007/03/clubbing.jpg&imgrefurl=http://stockholmthemusical.com/blog/clubbing/&usg=__pp0fMXaY0HY9E8p5OdZZtCOsQq0=&h=531&w=468&sz=106&hl=en&start=16&tbnid=v1U-aaUJOAQdMM:&tbnh=132&tbnw=116&prev=/images%3Fq%3Dclubbing%26gbv%3D2%26hl%3Den%26sa%3DG

http://images.google.com.my/imgres?imgurl=http://saopaulo.grand.hyatt.com/hyatt/images/hotels/saogh/spa_fitness_masthead.jpg&imgrefurl=http://saopaulo.grand.hyatt.com/hyatt/hotels/activities/fitness/index.jsp&usg=__wb7VyOopyLmAPf-3cvFiwIzB7tA=&h=519&w=525&sz=244&hl=en&start=19&tbnid=GJbbnFCiqRw7tM:&tbnh=130&tbnw=132&prev=/images%3Fq%3Dfitness%26gbv%3D2%26hl%3Den

Apa & Bagaimana?

Langkah -

Langkah


4 Bezakan Kehendak dan Keperluan

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RM3 RM 24

Keperluan vs KehendakX 8



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Hidup didalam Kemampuan kitaSpending wisely

Delaying gratification

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http://images.google.com.my/imgres?imgurl=http://practice.fpas.org.sg/images/after_retirement.jpg&imgrefurl=http://practice.fpas.org.sg/planning_for_retirement.html&usg=__B3IYvCpHaCVmn5lBhysdfqF8pFQ=&h=374&w=300&sz=35&hl=en&start=12&tbnid=Fbq2aP8ToMD9AM:&tbnh=122&tbnw=98&prev=/images%3Fq%3Dleisure%2Bretirement%26gbv%3D2%26ndsp%3D18%26hl%3Den%26safe%3Doff%26sa%3DN

http://upload.wikimedia.org/wikipedia/commons/a/aa/Nissan_Fairlady_Z_Version_Nismo_02.JPG

http://img2.tradeget.com/kukkujewellers/SG9XA9WW1diamond-jewelry1.JPG

Penyelengaraan bulanan sebuah Kancil

# Fixed Cost RM Remarks

1 Installment 330 RM 22k @ 3.7% for 7 years

2 Insurance 67 RM 800/12

3 Road Tax 2 RM20/12

Sub - total 399

Variable Cost

1 Petrol 200

2 Service etc 50 RM 600/123 Parking/Toll etc 30

Sub - total 280

TOTAL 679

http://images.google.com.my/imgres?imgurl=http://www.bajawang.com/images/KANCIL2.jpg&imgrefurl=http://www.bajawang.com/bonus.asp&usg=__9BEv-NAjLkGxxNmF3aWV5-ID1ho=&h=316&w=468&sz=16&hl=en&start=12&tbnid=qVHhXaS2YeWMXM:&tbnh=86&tbnw=128&prev=/images%3Fq%3Dkancil%26gbv%3D2%26hl%3Den

Apa & Bagaimana?Langkah

- Langkah


5 Menguruskan Hutang dengan Bijak

• Kalau boleh elakkan• Bayar segera

Menganggap kenudahan kredit sebagai sumber pendapatan



http://howtogetoutofdebts.com/images/debt_free/debt_free_250x251.jpg

http://images.google.com.my/imgres?imgurl=http://www.consumerwarningnetwork.com/wp-content/uploads/2008/07/pd_credit_card_070429_ms.jpg&imgrefurl=http://www.consumerwarningnetwork.com/2008/07/24/whats-that-doing-on-my-credit-card-bill/&usg=__GbEl1SxU3uUjGQVFKp6Ct02BFIk=&h=310&w=413&sz=30&hl=en&start=14&tbnid=YT645w6QQ3KVOM:&tbnh=94&tbnw=125&prev=/images%3Fq%3Dcredit%2Bcard%26gbv%3D2%26hl%3Den

Produk & Perkhidmatan KewanganProduk2 &

Perkhidmatan2

Peminjam tidak berlesen

http://rds.yahoo.com/_ylt=A0S020kj._pHwz8BncSJzbkF;_ylu=X3oDMTBxODdpNXY0BHBvcwMzNgRzZWMDc3IEdnRpZANJOTk4XzY4/SIG=1kv080qck/EXP=1207717027/**http:/images.search.yahoo.com/images/view?back=http://images.search.yahoo.com/search/images?_adv_prop=image&va=loan+shark&fr=yfp-t-501&xargs=0&pstart=1&b=19&ni=18&w=380&h=344&imgurl=static.flickr.com/103/273371488_3fbcc4c321.jpg&rurl=http://www.flickr.com/photos/62779569@N00/273371488/&size=55.8kB&name=Loan%20Shark%20%5BSuper%20Fun%20Tip!%5D&p=loan%20shark&type=JPG&oid=3d70750e726ea252&fusr=chuntise&tit=Loan%20Shark%20%5BSuper%20Fun%20Tip!%5D&hurl=http:/www.flickr.com/photos/62779569@N00/&no=36&tt=645

http://rds.yahoo.com/_ylt=A0S0203Q._pHAHoAFiiJzbkF;_ylu=X3oDMTBwN3AyanI3BHBvcwMyBHNlYwNzcgR2dGlkA0k5OThfNjg-/SIG=1k7qdgqqe/EXP=1207717200/**http:/images.search.yahoo.com/images/view?back=http://images.search.yahoo.com/search/images?_adv_prop=image&ni=18&va=loan+shark&fr=yfp-t-501&xargs=0&pstart=1&b=1&w=500&h=375&imgurl=static.flickr.com/33/41467221_4ffaca2a01.jpg&rurl=http://www.flickr.com/photos/andanteener/41467221/&size=59.6kB&name=Politician%20vs.%20Loan%20Shark&p=loan%20shark&type=JPG&oid=15804fba847a68b8&fusr=andanteener&tit=Politician%20vs.%20Loan%20Shark&hurl=http:/www.flickr.com/photos/andanteener/&no=2&tt=653

http://rds.yahoo.com/_ylt=A9G_bDtMXANIf2cBDtCJzbkF;_ylu=X3oDMTBqNzNhb3I1BHBvcwMyMQRzZWMDc3IEdnRpZAM-/SIG=1h082ln3j/EXP=1208266188/**http%3A/images.search.yahoo.com/images/view%3Fback=http%253A%252F%252Fimages.search.yahoo.com%252Fsearch%252Fimages%253F_adv_prop%253Dimage%2526va%253Dsplatter%252Bred%252Bpaint%2526fr%253Dyfp-t-501%2526xargs%253D0%2526pstart%253D1%2526b%253D21%2526ni%253D20%26w=193%26h=140%26imgurl=www.deletetheweb.com%252Funstuck%252Fblot-v-sm.jpg%26rurl=http%253A%252F%252Fwww.deletetheweb.com%252Funstuck%252Farchives%252F000346.html%26size=7.5kB%26name=blot-v-sm.jpg%26p=splatter%20red%20paint%26type=JPG%26oid=c41c855974660e7c%26no=21&tt=26

Asas PinjamanPinjaman & Kredit

Jenis2 Pinjaman

Kadar Nominal & efektif

Penjamin?

‘Loans are tools for us to use, please use them wisely.’

http://rds.yahoo.com/_ylt=A0S0202gHd9HvGEA2dqJzbkF;_ylu=X3oDMTBwbjN0ZmY3BHBvcwM1BHNlYwNzcgR2dGlkA0k5OThfNjg-/SIG=1fc8kg2c9/EXP=1205890848/**http:/images.search.yahoo.com/images/view?back=http://images.search.yahoo.com/search/images?_adv_prop=image&fr=yfp-t-501&va=education&sz=all&w=260&h=195&imgurl=www.cpf.gov.sg/cpf_info/Publication/image/education1.jpg&rurl=http://www.cpf.gov.sg/cpf_info/Publication/education.asp&size=11.7kB&name=education1.jpg&p=education&type=JPG&oid=1ac3923836f2b3c0&no=5&tt=8806690

http://rds.yahoo.com/_ylt=A0S020vXHd9HL6UAud.JzbkF;_ylu=X3oDMTBxZjUwOGxoBHBvcwMxNQRzZWMDc3IEdnRpZANJOTk4XzY4/SIG=1jpp5f6qj/EXP=1205890903/**http:/images.search.yahoo.com/images/view?back=http://images.search.yahoo.com/search/images?p=vehicle+image&fr=yfp-t-501&ei=utf-8&js=1&x=wrt&w=500&h=316&imgurl=static.flickr.com/55/152629377_cfad69cb1e.jpg&rurl=http://www.flickr.com/photos/gmblogs/152629377/&size=56.3kB&name=2006%20Chevrolet%20Camaro%20Concept%20Vehicle&p=vehicle%20image&type=JPG&oid=59ef8bbdf4b77d68&fusr=gm_blogs&tit=2006%20Chevrolet%20Camaro%20Concept%20Vehicle&hurl=http:/www.flickr.com/photos/gmblogs/&no=15&tt=427512

http://rds.yahoo.com/_ylt=A0S020n.Hd9Hv0YAEBOJzbkF;_ylu=X3oDMTBxcWpua3Q2BHBvcwMxNARzZWMDc3IEdnRpZANJOTk4XzY4/SIG=1cus4kg17/EXP=1205890942/**http:/images.search.yahoo.com/images/view?back=http://images.search.yahoo.com/search/images?p=houseimage&fr=yfp-t-501&ei=utf-8&js=1&x=wrt&w=147&h=214&imgurl=rtdassoc.com/houseimage.jpg&rurl=http://rtdassoc.com/&size=10.9kB&name=houseimage.jpg&p=houseimage&type=JPG&oid=9c03c0cea410444c&no=14&tt=438

http://rds.yahoo.com/_ylt=A0S0201rHt9H1F8AJqqJzbkF;_ylu=X3oDMTBxYjFuODVnBHBvcwMxNwRzZWMDc3IEdnRpZANJOTk4XzY4/SIG=1h0o208dq/EXP=1205891051/**http:/images.search.yahoo.com/images/view?back=http://images.search.yahoo.com/search/images?p=restaurant+pics&y=Search&fr=yfp-t-501&ei=utf-8&js=1&x=wrt&w=320&h=200&imgurl=www.defence-force.org/computing/oric/dbug/stniccc_2000/pics/dbug_restaurant.jpg&rurl=http://www.defence-force.org/sitemap.htm&size=20.7kB&name=dbug_restaurant.jpg&p=restaurant%20pics&type=JPG&oid=fbf698e674f1a87a&no=17&tt=22175

Jenis2 Pinjaman

Kad Kredit / Kad Caj / Kad Debit

Pinjaman Peribadi

Pinjaman Perumahan / Sewabeli

Pinjaman Perniagaan / Microkredit

Pinjaman Pelajaran

http://images.google.com.my/imgres?imgurl=http://www.webfinanceguru.com/wp-content/uploads/2009/07/cc4.jpg&imgrefurl=http://www.webfinanceguru.com/&usg=__cSIo3b_Ort9EJwUW-Gca3GEUDKc=&h=300&w=450&sz=21&hl=en&start=5&tbnid=8Dpez-Xkf4s1mM:&tbnh=85&tbnw=127&prev=/images%3Fq%3Dcredit%2Bcards%26gbv%3D2%26hl%3Den%26sa%3DG

http://images.google.com.my/imgres?imgurl=http://ihatemyjob123.files.wordpress.com/2009/01/012503_real_home_loan.jpg&imgrefurl=http://ihatemyjob123.wordpress.com/2009/01/30/bad-philippine-housing-loan-system/&usg=__8b2OSs-a6KaxWoucTa6WEquSOxc=&h=288&w=288&sz=20&hl=en&start=8&tbnid=uRCcX6YsiXoLGM:&tbnh=115&tbnw=115&prev=/images%3Fq%3Dhousing%2Bloan%26gbv%3D2%26hl%3Den%26sa%3DG

http://images.google.com.my/imgres?imgurl=http://www.merchantaccountguide.com/merchant-account-news/images/business-loan.jpg&imgrefurl=http://www.merchantaccountguide.com/merchant-account-news/business-credit-score-paydex-1270.php&usg=__5ewgyD3wjvrEjYoWzhe4xEBM59E=&h=268&w=202&sz=12&hl=en&start=19&tbnid=jXEbJ0PgWXSNwM:&tbnh=113&tbnw=85&prev=/images%3Fq%3Dbusiness%2Bloan%26gbv%3D2%26hl%3Den

http://affordablestudentloan.net/images/student_loan/student_loan_250x251.jpg

http://images.google.com.my/imgres?imgurl=http://www.loansguide.org/images/loansguide/loans%2520guide%2520personal%2520loan.jpg&imgrefurl=http://www.loansguide.org/&usg=__Li2AbbLnp-dn6P9ptzj7HaDuZeA=&h=250&w=250&sz=32&hl=en&start=3&tbnid=i6QHsrJrGm8lEM:&tbnh=111&tbnw=111&prev=/images%3Fq%3Dpersonal%2Bloan%26gbv%3D2%26hl%3Den

Pengiraan FaedahJumlah Pinjaman: RM100KJ/Masa: 7 years (84 mths)Kadar Faedah: 6%pa

HL - instalmen: RM1,460.86pm Jumlah pembayaran: RM122,712

HP - instalmen: RM1,690 (x 83) + RM1,730 (x 1) jumlah faedah: RM6K x 7 = RM42K jumlah pembayaran: RM142K (>RM19K)

Kadar Efektif HP HP Rate

%3

Tahun%

5Tahun

%

7Tahun

%

9Tahun

%

1.98 3.85 3.84 3.82 3.78

2.80 5.44 5.41 5.35 5.28

3.50 6.8 6.74 6.64 6.53

5.00 9.72 9.58 9.34 9.14

10.00 19.47 18.71 17.99 17.36

HP Tenor

Kuasa Penggandaan

Jumlah Hari ini 10 Tahun 20 Tahun 30 Tahun

Pelaburan RM RM RM RM

FD/ASN – 5%

10,000

16,470

27,126 44,677

ASB - 9%

20,000

49,027

120,183

294,611

TOTAL

30,000 65,497 147,309 339,288

Sekiranya Menyimpan

Kuasa Penggandaan

Jumlah Hari Ini 10 Tahun 20 Tahun 30 Tahun

Pinjaman RM'k RM'k RM'k RM'k

Perumahan - 7% 200 403 811 1,600

Kad Kredit - 18% 20 121 731 4,400

TOTAL 220 524 1,542 6,000

Sekiranya Meminjam

Menggunakan kad Kredit

http://rds.yahoo.com/_ylt=A0S020rkH99HekEATxuJzbkF;_ylu=X3oDMTBwN3AyanI3BHBvcwMyBHNlYwNzcgR2dGlkA0k5OThfNjg-/SIG=1emoj31tl/EXP=1205891428/**http:/images.search.yahoo.com/images/view?back=http://images.search.yahoo.com/search/images?_adv_prop=image&fr=yfp-t-501&va=visa+card&sz=all&w=1240&h=826&imgurl=www.hkbea.com/whp_images/whp_servhk/whp_accd.jpg&rurl=http://www.hkbea.com/whp_servhk/whp_acc.html&size=179.6kB&name=whp_accd.jpg&p=visa%20card&type=JPG&oid=4597a1aaf36befee&no=2&tt=93162

Apa?

• Duit ‘Plastik’

http://rds.yahoo.com/_ylt=A0S020rkH99HekEATxuJzbkF;_ylu=X3oDMTBwN3AyanI3BHBvcwMyBHNlYwNzcgR2dGlkA0k5OThfNjg-/SIG=1emoj31tl/EXP=1205891428/**http:/images.search.yahoo.com/images/view?back=http://images.search.yahoo.com/search/images?_adv_prop=image&fr=yfp-t-501&va=visa+card&sz=all&w=1240&h=826&imgurl=www.hkbea.com/whp_images/whp_servhk/whp_accd.jpg&rurl=http://www.hkbea.com/whp_servhk/whp_acc.html&size=179.6kB&name=whp_accd.jpg&p=visa%20card&type=JPG&oid=4597a1aaf36befee&no=2&tt=93162

Siapa Layak?

• > 21 tahun

• >RM1,500 pendapatan

• Rekod yang baik

Kenapa?

• Menyenangkan

• Pengiktirafan

• Penerimaan diseluruh dunia

Tip?• Max 2 kad

• Berbelanja dengan bijak

• Bayara Segera

• Buat pilihan yang terbaik

• “Potong kad” jika hilang kawalan

• Jangan buat “Cash Advance”

• Semak transaksi untuk mengelakkan penipuan

Interest Free Period

BillingDate10/08

20 days

NextBillingDate10/09

PaymentDate30/08

NextPayment

Date30/09

Purchase“Big Ticket”

Items. 50 days

20 days 20 days10 days

Keburukan Kad Kredit

• Hilang kawalan

• Caj yang mahal kalau tidak membayar penuh

• 1.5% caj ke atas pengeluaran tunai

• “Cash advance” – Yuran 1% atau RM 50 (yang mana lebih tinggi)

20 Hari J/Masa Kredit

Berkuatkuasa 1 Julai 2008, pemegang Kad

Kredit yang membayar minimum 5% atau

membayar sebahagian tidak lagi

menikmati kadar percuma 20 hari J/Masa

kredit untuk urusniaga komersial

RM500

RM10KRM20K

RM9,500

5% Bayaranminimumsebulan

RM1,000

RM2,000

RM4,000

RM40KRM80K

RM19,000

RM38,000

RM76,000

Baki Hutang95%

Statistik• 8 pemegang kad

• Purata 3.17 kad seorang

• 16% mempunyai > 3 kad

• 60% bayar tepat pada waktunya

• NPL < 5%

• 57% permohonan ke AKPK adalah melibatkan kad kredit

Membina KekayaanHarta Bersih

Tabiat Menabung

Tingkatkan Harta Bersih

Awas Skim Cepat Kaya

http://rds.yahoo.com/_ylt=A9G_bI_C1tlHodcA12iJzbkF;_ylu=X3oDMTBwZjZqM2hiBHBvcwMxBHNlYwNzcgR2dGlkA0k5OThfNjg-/SIG=1frl74kvs/EXP=1205545026/**http:/images.search.yahoo.com/images/view?back=http://images.search.yahoo.com/search/images?_adv_prop=image&ni=18&va=savings&fr=yfp-t-501&xargs=0&pstart=1&b=1&w=200&h=285&imgurl=www.glacebaycentralcreditunion.com/images/savings.jpg&rurl=http://www.glacebaycentralcreditunion.com/savings.php&size=14.8kB&name=savings.jpg&p=savings&type=JPG&oid=4e13e9f0508670fc&no=1&tt=737237

KUASA WANG

http://images.google.com.my/imgres?imgurl=http://www.waikonglim.com/blogfile/myHouse1.JPG&imgrefurl=http://www.waikonglim.com/2007/07/my-first-house-0.html&usg=__umuqjffXSKq-Q_U7U3ZqwC5L6yU=&h=1704&w=2272&sz=848&hl=en&start=16&tbnid=6RVmR5DMXtJATM:&tbnh=112&tbnw=150&prev=/images%3Fq%3DHOUSE%26gbv%3D2%26hl%3Den%26sa%3DG

http://www.netgenium.com/en/Images/Certificate.jpg

http://www.101modifiedcars.com/modified-cars-pictures/toyota/toyota-vios/toyota-vios-s-belta-2nd-generation-front-bumper-bodykit.jpg

Kewangan yang Teguh = Potfolio Aset yang seimbang

= Cukup Tunai Di tangan

Mampunyai Harta Bersih Yang Banyak

≠ Masalah Kewangan

Pinjaman > Harta = Negatif

Panduan Membuat Pelaburan

6 bulan perbelanjaan

E.B.FSimpanan FD

FD, ASB, ASN and/or

Unit Trust

Hartanah

Saham

Exotics Forex/Commo

Tahap Risiko/Selera

Investment

Instruments

%

3-5

10-15

20-40

50-70

20-30

http://rds.yahoo.com/_ylt=A0S020lZ9tpHPh0BcZ6JzbkF;_ylu=X3oDMTBpdnJhMHUzBHBvcwMxBHNlYwNzcgR2dGlkAw--/SIG=1gofqekqa/EXP=1205618649/**http:/images.search.yahoo.com/images/view?back=http://images.search.yahoo.com/search/images?_adv_prop=image&fr=yfp-t-501&va=safety+net&sz=all&w=200&h=163&imgurl=www.northernsafety.com/images/webphotos/P17000/P0017394.jpg&rurl=http://www.northernsafety.com/cart/cart.cfm?PROD_NUM=165-8403&Action=01&size=11.9kB&name=P0017394.jpg&p=safety%20net&type=JPG&oid=89228bfbec648614&no=1&tt=57375

http://rds.yahoo.com/_ylt=A0S0207P_NpH5wYBbr2JzbkF;_ylu=X3oDMTBpc2VvdmQ2BHBvcwM3BHNlYwNzcgR2dGlkAw--/SIG=1hkjthddc/EXP=1205620303/**http:/images.search.yahoo.com/images/view?back=http://images.search.yahoo.com/search/images?_adv_prop=image&fr=yfp-t-501&va=fixed+deposit&sz=all&w=648&h=135&imgurl=www.hsbc.co.in/1/PA_1_1_S5/content/website/images/accounts/main_fixed_online.jpg&rurl=http://www.hsbc.co.in/1/2/personal/bank-accounts/fixed-deposits&size=47.1kB&name=main_fixed_online.jpg&p=fixed%20deposit&type=JPG&oid=f02109c9db86699a&no=7&tt=597

http://rds.yahoo.com/_ylt=A0S020vP_dpHTdwAPWSJzbkF;_ylu=X3oDMTBpc2VvdmQ2BHBvcwM3BHNlYwNzcgR2dGlkAw--/SIG=1isvddftb/EXP=1205620559/**http:/images.search.yahoo.com/images/view?back=http://images.search.yahoo.com/search/images?p=property+pics&y=Search&fr=yfp-t-501&ei=utf-8&js=1&x=wrt&w=100&h=75&imgurl=www.premierapartmentsbg.com/upl/sbulgaria_property_20050826170030_pics_1-Trinity_web-11.jpg&rurl=http://www.premierapartmentsbg.com/bulgaria_property_other_info_26.html&size=2.4kB&name=sbulgaria_property_20050826170030_pics_1-Trinity_web-11.jpg&p=property%20pics&type=JPG&oid=bf031191170080b6&no=7&tt=16131

http://rds.yahoo.com/_ylt=A0S020wX_tpHnU0AyiWJzbkF;_ylu=X3oDMTBpY2Y5NXNiBHBvcwM2BHNlYwNzcgR2dGlkAw--/SIG=1f0kkshth/EXP=1205620631/**http:/images.search.yahoo.com/images/view?back=http://images.search.yahoo.com/search/images?p=shares+pics&y=Search&fr=yfp-t-501&ei=utf-8&js=1&x=wrt&w=200&h=150&imgurl=www.landis-media.co.uk/images/shares_title_pics.jpg&rurl=http://www.landismedia.co.uk/&size=24kB&name=shares_title_pics.jpg&p=shares%20pics&type=JPG&oid=e13323261531463a&no=6&tt=386

http://rds.yahoo.com/_ylt=A0S020vN_tpH3toA5muJzbkF;_ylu=X3oDMTBpdnJhMHUzBHBvcwMxBHNlYwNzcgR2dGlkAw--/SIG=1i4bur724/EXP=1205620813/**http:/images.search.yahoo.com/images/view?back=http://images.search.yahoo.com/search/images?p=commodity+prices+&y=Search&fr=yfp-t-501&ei=utf-8&js=1&x=wrt&w=400&h=243&imgurl=bigpicture.typepad.com/comments/images/us_commodity_prices_cpi_adj.jpg&rurl=http://bigpicture.typepad.com/comments/2005/09/are_real_commod.html&size=26.3kB&name=us_commodity_prices_cpi_adj.jpg&p=commodity%20prices&type=JPG&oid=ef26e78383f08662&no=1&tt=10923

Melindungi Aset

Melindungi Aset dengan:

1. Mengelakkan

2. Menghadkan

3. Pelbagaikan

4. Menginsurankan

Apa & Bagaimana?

Langkah-

Langkah


6 Peka pada faktor Persikataran

Faktor• Economi • Umur

Terlalu optimistik. i.e. belanja sblm ‘bonus’ diisytiharkan



http://images.google.com.my/imgres?imgurl=http://www.scottishsocialistparty.org/economic-crisis/images/crisis_440.jpg&imgrefurl=http://www.scottishsocialistparty.org/economic-crisis/&usg=__qAclOuwm8dFvwp29vO1-lOdZ6k0=&h=267&w=440&sz=84&hl=en&start=11&tbnid=AFstwO799dM3tM:&tbnh=77&tbnw=127&prev=/images%3Fq%3Deconomic%2Bcrisis%26gbv%3D2%26hl%3Den%26sa%3DX

http://images.google.com.my/imgres?imgurl=http://media.lifehacker.com.au/mt/Overspend.jpg&imgrefurl=http://www.lifehacker.com.au/2009/01/is_too_much_of_your_budget_being_spent_on_tech/&usg=__kwOowlUJ19ZtF-4wYj4uS5PISus=&h=284&w=422&sz=155&hl=en&start=12&tbnid=hayvxOKahGxNnM:&tbnh=85&tbnw=126&prev=/images%3Fq%3Doverspend%26gbv%3D2%26hl%3Den%26sa%3DG

Kitaran Hayat

Lahun 18 55 70

Pengumpulantahun

Awal PersaraanTahun

Lewat Persaraan Tahun

Tahun Membesar

X

PersaraanTahun

Pengumoulan Harta Perbelanjaan

• Umur Panjang

• EPF/Gratuity mungkin tidak cukup

• Cenderung berbelanja mengikut keadaan semasa

• Kenaikan Kadar perceraian

• Inflasi

Sebab Perlunya Merancang Persaraan

Tip-tip Merancang Persaraan

No Tip

1 Rancang masa hadapan

2 Pilih Umur Persaraan

3 Mulakan Hari ini

4 Anggarkan Usia kita

5 Jadikan tabungan satu amalan

6 Maksimakan pelaburan didalam Unit Trust,ASB, ASN, BNM Bond etc

7 Ambil kira faktor inflasi

8 Pelbagaikan Pelaburan

9 Hidup penuh kesederhanaan

10 Latih diri untuk berdisiplin

Kenapa perlu melabur awal?

1 - 8 years

RM1,000 each year

9 - 40 years

RM1,000 each year

Total : RM8,000

1 - 8 years

RM 0 each yearTotal : RM0 Total : RM32,000

RM265k

9 - 40 years

RM0 each year

Total : RM0

RM221K

STMRT

START

RELAX

RELAX

X 8 years

X 32 years

Age20

Age60

Kenapa perlu melabur awal?

1 - 8 years

RM1,000 + RM1,000 each year

9 - 40 years

RM1,000 each year

Total : RM16,000

1 - 8 years

RM 0 each yearTotal : RM0 Total : RM32,000

RM531k

9 - 40 years

RM0 each year

Total : RM0

RM221K

START

START

RELAX

RELAX

X 8 years

X 32 years

Age20

Age60

Elakkan Masalah Kewangan

Mengelak Dari Masalah Kewangan

Tanda2 mengalami masalah kewangan

Penyelesaian

Prayer helps, but one must first decide to help onerself.

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• Sering Bergaduh Kerana Wang

• Gaji bulanan tidak mencukupi

• Bayar Min kad Kredit

• Membuat “Cash advances” untuk menampung perbelanjaan

• Tiada simpanan untuk Kecemasan

• Pemungut Hutang Menelefon

• Surat Peguam/mahkamah

Tanda2 Mengalami Masalah Kewangan

1. Notis Undang22. Saman & Penyata Tuntutan3. Sebutan4. Penghakiman5. Penghukuman

• Writ Sita & Jual (WSS)• Waran (JDS)• Bankrap

Kegagalan Menguruskan Hutang

Penyelesaian

1. Jangan Panik2. Bertindak3. Dapatkan khidmat - AKPK4. ‘Bankrap’ adalah salah satu

pilihan5. Bankrap bukan bermakna

segala2nya sudah berakhir?

‘To get out of the well, we must first stop digging.’

HUBUNGI AKPK Toll Free No

1 800 88 2575

Website

www.akpk.org.my

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AKPK• Ipoh

Unit B2-1, Greentown SquareJalan Dato Seri Ahmad Said30450 Ipoh PerakTel: 05-2428319

• Johor Bahru Bangunan Bank Negara Malaysia Jalan Bukit Timbalan 80720 Johor Bahru Tel: 07-2210533

• Kota Kinabalu Bangunan Bank Negara Malaysia Jalan Dato' Chong Thain Voon 88813 Kota Kinabalu Tel: 088-538355

• Kuala Terengganu Bangunan Bank Negara Malaysia Jalan Sultan Mohamad 20990 Kuala Terengganu Tel: 09-6312797

• Kuantan

G-02 Mahkota SquareJalan Mahkota25000 KuantanTel: 09-5133190

• Kuching Bangunan Bank Negara Malaysia Jalan Satok 93720 Kuching Tel: 082-414910

• Malacca

No 179 Bangunan Munshi AbdullahJalan Munshi Abdullah75100 MelakaTel: 06-2921238

• Pulau Pinang

Bangunan Bank Negara Malaysia 27 Corner Light/Pitt Street 10200 Pulau Pinang Tel: 04-2612246

• Ibu Pejabat Kuala Lumpur

Aras 8, Maju Junction Mall1001, Jalan Sultan Ismail 50250 Kuala LumpurToll free : 1 800 88 2575

Alor Setar & Kota Bharu

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akpk pengurusan kewangan berhemah dewan bahasa & pustaka 21/1/2010

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