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 Personal financial management, V2

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felixmask
post Apr 4 2013, 04:18 PM

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QUOTE(Pink Spider @ Apr 4 2013, 03:50 PM)
*gimme five* icon_rolleyes.gif
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Why worry cant find gal? younger one is HOT and SeXY when we are old.
felixmask
post Apr 4 2013, 04:21 PM

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QUOTE(Pink Spider @ Apr 4 2013, 04:19 PM)
I asked Jason to gimme five bcos I'm similar to his situation, not that I worry biggrin.gif
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oic
felixmask
post Apr 5 2013, 09:42 AM

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QUOTE(leonhart88 @ Apr 5 2013, 09:06 AM)
this is scary man..when you look at top there will be many people richer than you then how?
Should I cut loss now in my r/s to prevent more losses in the future? haha..
I saw her didn't care about my money..always me spend money on meals..
she expects guy should pay everything and she initiate to eat in expensive restaurant.
Once more she expects luxury wedding. all of my cash gone liao
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This is Personal Financial management not BF GF topic.
I juz highligh your money in your pocket when come to spending on relatioship.

As yourself Spending for relationship or Saving for Marrriage ?
Hv to see how much $$$ in your pocket for the relationship before marriage?

talk to your partner - marriage is not 1 person jobs.

As i said alot man with $$$ can replace you.
How strong is her love her when you are worthless one day ?

Marriage is not two person - you also marry their parent.
And she must accept who are you and your family financial background.
felixmask
post Apr 5 2013, 01:57 PM

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QUOTE(SKY 1809 @ Apr 5 2013, 01:44 PM)
So getting a super rich spouse would instantly solve all your financial problems.

A good financial tool , one hardly can deny that. hmm.gif
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rich spouse require HIGH CAPEX, no YIELD.

everyday go dating the CASH Flow negative, require borrow Short Term Liability.

Asset are worthless , give to recycle als no Value.

This post has been edited by felixmask: Apr 5 2013, 02:01 PM
felixmask
post Apr 5 2013, 02:00 PM

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QUOTE(SKY 1809 @ Apr 5 2013, 01:53 PM)
Well, u have to perform up to the expectations lor.

Tell me where to get a 10K job in KL , and do not to work so hard one. hmm.gif
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my Big Boss
felixmask
post Apr 6 2013, 10:06 AM

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QUOTE(wongmunkeong @ Jan 9 2013, 11:15 AM)
I aM POSSIBLE tongue.gif
2 hard boiled eggs + 2 fruits + 4 slices of bread tah pau-ed from home for lunch daily  (kiamsiap + health concious)
My cost? definitely lower than $3 - all sourced from Tesco, on a 5% cash back credit card + 1% Tesco points sweat.gif

Guess how much per month my working lunch cost? laugh.gif
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Happy weekend wongmunkeong,


Let me guess smewhere arnd rm 6 -rm 10 max.
felixmask
post Apr 8 2013, 01:49 PM

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hi leonhart88 ,


You well verse indonesia property.Are you indonesian or every year go indonesia vacation ?
felixmask
post Apr 8 2013, 09:10 PM

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juz sharing, proverbs help to reduce wastage.


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felixmask
post Apr 8 2013, 10:00 PM

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QUOTE(leonhart88 @ Apr 8 2013, 09:30 PM)
my gf is indonesian. coz of that high maintenance lor.. even her mother said many Indonesian guys buy gf iphone4, prada,hermes or even Honda Jazz as valentine/birthday gift.  sweat.gif
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indonesian doctor? Your future mother hv alot high expectation on you.
My few proverbs share for you.
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felixmask
post Apr 8 2013, 10:17 PM

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QUOTE(gark @ Apr 8 2013, 09:56 PM)
Chinese indonesians? If yes then you die lor.... what you say above very true......make sure you have enough $$$
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uncle gark,

dont so obvious use "die" but "broke" , later young man miss understanding.

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felixmask
post Apr 9 2013, 09:09 AM

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QUOTE(WintersuN @ Apr 9 2013, 08:44 AM)
SO many indonesian ppl here? lol..

Y all so rich 1
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rm330 = 1million rupiah, can be millionaire
felixmask
post Apr 13 2013, 01:17 PM

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QUOTE(Pink Spider @ Apr 13 2013, 12:31 PM)
Maybe u do a simulation, see how much can u save IF u have to support ur parents.

I only got my dad left, pocket money alone already RM700. Then household bills, telephone bills, his car service bills...easily RM1,000 a month. In other words, if I don't have to support my dad, I also can save RM2,000 a month like u! laugh.gif
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You inherit 1/2 house. Not many children inherit such thing. One of them is me.
felixmask
post Apr 13 2013, 02:37 PM

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QUOTE(SKY 1809 @ Apr 13 2013, 02:31 PM)
But if your parent did not support you, he could  be easily a millionaire now without your bantuan hmm.gif

At least,  his investment starts to bear some fruits .......congratulation goes to him.
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sky gor,

you got children ?
Sorry off topic.
felixmask
post Apr 13 2013, 02:43 PM

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QUOTE(SKY 1809 @ Apr 13 2013, 02:38 PM)
nod.gif
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1 child - 1million spend on them until 22 year old.

how many child you hv then how million you hv spend on them already.

Going to bill them back? must hv resit one.
felixmask
post Apr 13 2013, 09:30 PM

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QUOTE(leonhart88 @ Apr 13 2013, 07:07 PM)
don't think 1 child=1 million maybe less maybe more.
my gf from elementary school till JC got scholarship.

my parents even support his brother..
how about someone has dogs?
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that is old day. Present and future will cost 1millon for a child.
felixmask
post Apr 14 2013, 03:43 PM

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QUOTE(AskChong @ Apr 14 2013, 02:35 PM)
I have two, so I need RM2m??

Don't worry about the number, just do it accordingly.

No point to worry too much on the future, just work harder and smarter for improving the earnings and manage your money accordingly.
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rclxms.gif rclxms.gif
felixmask
post Apr 15 2013, 08:40 AM

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QUOTE(nitznit @ Apr 14 2013, 10:21 PM)
hi..maybe you can think if investing in unit trust which could give you higher returns than normal savings account or even FD. If interested kindly contact me at nitznit@yahoo.com

Furthermore, if you interested in getting tax redemption up to RM3k, you can consider investing in Private retirement Scheme (PRS).

regards
nitz
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Which fund house you from ? Share your investment plan how your UT better than FD?
Can share.
felixmask
post Apr 15 2013, 03:19 PM

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QUOTE(cwhong @ Apr 15 2013, 03:13 PM)
I hope u were wrong in ur predictions imagine how much needed to eat a plate of mix rice if 1 mil per child.....to raise.... At the meantime vote wisely and determine our future without blood sucker...... Mosquitoes.......  brows.gif
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Babe to degree tutition fee..then maybe downpayment for house and condo...that another 20 year later.

Im not a father yet - anyone can calculate how much to raise a child from baby until finish degree.

This post has been edited by felixmask: Apr 15 2013, 03:20 PM
felixmask
post Apr 23 2013, 09:32 PM

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QUOTE(WiLeKiyO @ Apr 23 2013, 05:04 PM)
I have a question,

Does all Company using Hong Leong Bank for salary purpose ?

My company wants me to open a Heong Leong bank, my 2 fresh graduated friends' company also want them to open Heong Leong bank account.

3 of us do not know what kind of account should open.
http://www.hlb.com.my/pfs/dep/depbsa_f.jsp?flag=depbsa_f

Anyone can guild us ?
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to keep saving your money is the best, you hv disciplined of saving or put aside to a bank account that you not able withdraw easily.
felixmask
post May 2 2013, 08:28 AM

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QUOTE(pinksapphire @ May 2 2013, 12:34 AM)
Hi guys. Does anyone have any recommendation on how to go about with tracking personal finances (expenses, incomes, etc.)?
For eg., keep track of your investments and its profit/loss, incomes from savings such as FDs, and your misc. expenses.
I'm looking more at a software or excel spreadsheet.
Also, what's your experience for those currently already practising keeping tabs on your portfolios?

Thanks.
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personal finances tracking in excel - i personally keep track for 1-3 month then giveup keying. http://www.spreadsheet123.com/ExcelTemplat...-statement.html

For stock- monitoring everyday.
http://klse.i3investor.com/jsp/pf.jsp
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