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Personal financial management, V2
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cwhong
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 Apr 10 2012, 06:30 PM
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QUOTE(va1kyr13 @ Apr 10 2012, 04:52 PM) Im doing what the development company does. Invest in the land that spare for the future developement. As much as i concern, the land currently are in phase 2 which mean in the next 4 or 5 years in gonna be develope to residential. This is not in Malaysia. The land are not for own possesion but we shared to make business. Which mean we are the land owner and we are the one who make decission to exit. As simple as that. On the other wise. its much more like a long term FD. But we gave you a land to hold on. Buying RAW land --> Rezone and apply for concept plan approval --> Develop 3 Stages of Program. This is what it all about.  if you really confident on it why share with us the profit since our capital maybe smaller and many ppl have to gather while decision making is kinda complicated. ...... if i were you i will pawn all my assets, equities, gold (physically or paper gold), vehicle and borrow form financial institute will be a better choice right? if above also dun have can ask ur immediate family, relatives friends to sailang and do it ..... no need to share with the unknown ..... and there is SHARKS around or u the ONE?  |
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cwhong
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Apr 13 2012, 11:12 PM
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QUOTE(instagirl.net @ Apr 13 2012, 01:56 PM) 20% cash, 20% in fixed deposit, 30% in share market and 30% in property. sorry OT a bit i think ur siggy is oversize more than 15 lines approved ...... |
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cwhong
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Jul 12 2012, 09:42 PM
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QUOTE(edministrator @ Jul 12 2012, 11:52 AM) hmm.. me too.. having spare cash of 1.2k per month. now have cash of 15k in savings acc. plan to move 10k to FD. Shld i consider investing in REITs? first thing first, every investments (gold, trusts, reits, shares, bonds, properties) have their own risks one ..... just have to select which more suited to urself (risks taking) well i i were you got consistent 1.2k of cash after all commintment be it car or property or daily usage ..... i will spare 6 months of my monthly expenses (must used fund) other than that put it on the type of your choice ..... i will choose put in reits...... consistent divvy but only the price is volatile, more for buy and forget type of investments no need monitor ........ |
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cwhong
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Jul 13 2012, 12:44 AM
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QUOTE(Kaka23 @ Jul 12 2012, 10:40 PM) Is reit dividend same as unit trust? means from left pocket to right pocket... not much meaning if unit trust give dividend.. reits is like buying a bunch of properties and rented it out to collect income .... indirectly u own the properties and in returned they will distribute the income as dividend after decucted the admin costs ..... the yields is based on the buying price .... meaning that the lower the price u buy the higher the yields will be ...... excpect 5-8% for reits at current price ...... unit trust i never study so cannot comments on it .....  |
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cwhong
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Jan 30 2013, 10:02 PM
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A bit religous but nice to share, Buddha once said the most expensive wealth is HEALTH bcoz money cant buy. But if i have another options to live happily i'll choose live in totally financial freedom without debts. Enjoying life is always in my wish, but need longer time to succeed only....
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cwhong
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Apr 13 2013, 12:39 AM
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QUOTE(gark @ Apr 8 2013, 10:04 AM) Price is crazy, jumped over 200% within 3 years. All pure speculation as you see all the houses, condo apartment are all empty. Bound to crash soon as the average salary of uni educated executive (freshies) Indonesian in in the median of RM 800-RM 1,200 per month. AND house loan is 9%-12% p.a. My friend bought the 1000+ sq ft condo at Central Park, at Rp 1.5 Milyar a few years ago, now the selling price is Rp 3.5-4 Milyar.  1 Milyar = 1 billion Rupiah.  = 310k RM Indeed buying price more expansive than malaysia props...... Not to sais the subsales.....  |
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cwhong
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Apr 15 2013, 03:13 PM
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QUOTE(felixmask @ Apr 13 2013, 09:30 PM) that is old day. Present and future will cost 1millon for a child. 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.......  |
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cwhong
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Jun 8 2013, 11:14 AM
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QUOTE(lucifah @ Jun 7 2013, 06:13 PM) meaning to say it is guaranteed at least 8%? Unit trust cannot be guaranteed, unit trust mainly invest on shares market if in economic crisis time how can we expect the shares market still holding strong? Meaning shares kaboom, the unit trusts cannot give a positive results and means there is lesser or even negative value so no GUARANTEED is given ......... Just for sharing |
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cwhong
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Jun 8 2013, 11:14 AM
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Sorry duplicate post.......  This post has been edited by cwhong: Jun 8 2013, 11:14 AM |
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cwhong
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Jun 9 2013, 12:38 AM
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QUOTE(locno_123 @ Jun 8 2013, 01:36 PM) Dear Forumer, I'm 35 years old and I will be losing my job next month due to company down sizing. My current assets are 1. Cash - 300K (90% on FD) 2. Stock - 50K 3. A house fully paid up recently Liabilities 1. Car - 12k My monthly commitment is minimum 5.5K. This is because I'm married with a child and I'm fully taking care both of my aging parents. My wife not working to fully take care of my child. For the last 1.5 year I have been partnering in a business which generate 4K/month on the average. I work on the business on a part time basis or remotely as I travel alot. Should I take more risk by investing more money and time in expanding my business or look for another stable job? Current economic outlook is quite grim and don't think I can get my previous pay scale as I've gone through multiple job interviews. My uncertainties on my future really stresses me out. Anyone can offer some word of advice? U got more asset than liability even with average monthly 4k income u only need to find another 1.5k to breakeven ur expenses. average interest from ur FD about 700 monthly means ur are very comfortable with ur financial ability..... Well any jobs with 4-5k will give u a very comfortable life, why not lower ur expectation for ur new job? Side note why 90% cash for FD not thinking to diversified into sukuk or gov bond with fixed 5% or more interest rate ( note bonds are with longer maturity date, some is quite flexible can whihdraw if past few months) |
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