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Personal financial management, V2
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yiivei
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 Oct 23 2011, 11:34 AM
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QUOTE(bursalchemy @ Oct 21 2011, 03:23 PM) if u disposed within 2yrs, rpgt is 30%, 3yrs, 20%, 4th years, 15%, after 5th years is 5%. better invest for long term n less tax charge.  Hey bro, u provide him with the old rates le... @ khinfai: The current RPGT is 5% for the first five years. As announced on the recent budget, the RPGT for year 2012 will be 10% for the first two years, then 5% for Yr 3 to 5, and 0% thereafter. And RPGT will only be imposed on the gain on disposal. |
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yiivei
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Jan 8 2012, 12:10 PM
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» Click to show Spoiler - click again to hide... « QUOTE(potemkin @ Jan 7 2012, 04:57 PM) Hey guys , I'm 30 this year and to be honest, i haven't really consider planning my financials properly until i made some financial mistakes that set me back. I'm thinking on how could i plan and invest with my current situation: Pay (plus allowances) - 6600 After deduction of EPF + Taxes - Rm5000 (5k + but round it down) Bills that i gotta pay : Study loan - 400 (ending in 2014) Mom - 10% so 600 Car - 860 ending 2017 (one of my many errors) Insurance - 250 Totalling - 2110 Petrol/Tolls/Food hits me at rm1500 (lower most of the time but i take my max ) Minus entertainment and everything i have a surplus of RM1000 monthly. I'm thinking of getting a house but the current market doesn't leave me with much choices. Other than that , what would you do with the extra surplus ? Have you build up your emergency funds (6 months)? Before you consider bout property, i would suggest you build up your EF first, and control your spending. Besides, i think you forgo some expenses like car maintenance, car insurance, your personal insurance and etc? |
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yiivei
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Mar 23 2012, 12:39 PM
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QUOTE(va1kyr13 @ Mar 23 2012, 12:16 PM) your mom are right. You must know the nature of what you invest in. I admit it way to ridiculous and a bit unsecured if you not know well what the program is. That is why im here to help you to know what am i doin. and how does it work. how long it goes. If you are really interested what im gonna tell you, i invite you to my company for you to judge. I`m just messenger from my company to tell you this is an opportunity. I not forcing anyone. Just to share with everyone. The capital are RM35,000. The return about 15-17%. The period about 5 years - 7 years (depends on the project). So again, if anyone interested, you can pm me, i explain more on it. "The best investment on earth, is earth!" 15% p.a? or 5 - 7 years return is 15%? |
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