其实我不想曝光，以免不必要的麻烦。这次算例外。。。
这是我在 CARI 的身份。。。单看我发表的文法，应该就可以猜到吧。。。 这是其次，最重要是分享我的看法，让想投资这个计划的朋友三思。
http://cforum2.cari.com.my/viewthread.php?tid=1392027&extra=&page=1
Tuesday, February 24, 2009
(129) Credit Card - Helping you or killing you?
最近开始忙了，也懒得汉语拼音。就来秀秀我的半桶水的英格厉势吧。
I came acrossed a lot of articles in different forum. Mostly talking negatively about credit card.
To me, I totally disagreed.
No doubt the flexibility provided by CC has very strong influences to encourage one to spend more, especially a lot of promotion with zero interest installment plan. Obviously, this is a trap for those who are poor in their financial control & planning. If you are one of them, the best way is not to hold any CC. Cash is your solution.
To me, CC is a very good financial tools. Some cards provide Cash Rebate, some can collect points to exchange free gift.
More importantly, the 30 days + 20 days, a total of 50 days free interest financial leveraging!
If you have been suffering from house loan interest, car loan interest, you should already learned from this experience to manage how to leverage the 50 days free interest from CC. If you don, pity you...
Of course, there is no way to enjoy full 50 days free interest. Because it's not possible that you can plan your monthly budget and spend all in 1st day of each monthly billing cycle. So, just take an average of 25 days will do. This is enuf to show you how powerfull is this 25 days effect, thru the power of compaunding!
Thanks to the competition among banking industry. The recent flexi-loan home loan product has help us a lot (if you still not enjoying this, soli...).
The basic of this product is, put your excess $$$ in current/saving account that link to your house loan acc, and it will auto off-set for balance outstanding interest calculation.
So, what does it related to Credit Card?
My monthly fixed spending (insur, Digi, TNB, etc) is about 2500. Variable spending is another 2500. Total is around 5K per month. I love to use CC wherever possible, even for a very small amount.
Take an average of 25 days free interest period (normally I only issue cheque to pay on last 3 days, fully utilise).
That 25 days is actually a REAL saving to me, benefit thru my housing loan! WHY?
CC give me 25 days, means that 5K still remain in my current/saving acc for 25 days. What can this brings to you?
My current house rate is BLR-1.55%, net at 4.45%.
RM5000 x 4.45% / 365 x 25 days = RM15.23
Means by using CC, every month it helps me to save RM15.23 or RM183 a year indirectly!
Sounds small amount? How about over 30 yrs repayment period? That is RM5490 saving!
Don forget, the BLR just start to drop recently. If based on previous rate, I actually save more.
Apart from this, I also getting cash rebate about RM37.50/month, or RM540 a yr. And the beauty of it is, I am leveraging bank's resources for those items that is a "MUST" spending for daily life, not for something that I "desired" for.
I came acrossed a lot of articles in different forum. Mostly talking negatively about credit card.
To me, I totally disagreed.
No doubt the flexibility provided by CC has very strong influences to encourage one to spend more, especially a lot of promotion with zero interest installment plan. Obviously, this is a trap for those who are poor in their financial control & planning. If you are one of them, the best way is not to hold any CC. Cash is your solution.
To me, CC is a very good financial tools. Some cards provide Cash Rebate, some can collect points to exchange free gift.
More importantly, the 30 days + 20 days, a total of 50 days free interest financial leveraging!
If you have been suffering from house loan interest, car loan interest, you should already learned from this experience to manage how to leverage the 50 days free interest from CC. If you don, pity you...
Of course, there is no way to enjoy full 50 days free interest. Because it's not possible that you can plan your monthly budget and spend all in 1st day of each monthly billing cycle. So, just take an average of 25 days will do. This is enuf to show you how powerfull is this 25 days effect, thru the power of compaunding!
Thanks to the competition among banking industry. The recent flexi-loan home loan product has help us a lot (if you still not enjoying this, soli...).
The basic of this product is, put your excess $$$ in current/saving account that link to your house loan acc, and it will auto off-set for balance outstanding interest calculation.
So, what does it related to Credit Card?
My monthly fixed spending (insur, Digi, TNB, etc) is about 2500. Variable spending is another 2500. Total is around 5K per month. I love to use CC wherever possible, even for a very small amount.
Take an average of 25 days free interest period (normally I only issue cheque to pay on last 3 days, fully utilise).
That 25 days is actually a REAL saving to me, benefit thru my housing loan! WHY?
CC give me 25 days, means that 5K still remain in my current/saving acc for 25 days. What can this brings to you?
My current house rate is BLR-1.55%, net at 4.45%.
RM5000 x 4.45% / 365 x 25 days = RM15.23
Means by using CC, every month it helps me to save RM15.23 or RM183 a year indirectly!
Sounds small amount? How about over 30 yrs repayment period? That is RM5490 saving!
Don forget, the BLR just start to drop recently. If based on previous rate, I actually save more.
Apart from this, I also getting cash rebate about RM37.50/month, or RM540 a yr. And the beauty of it is, I am leveraging bank's resources for those items that is a "MUST" spending for daily life, not for something that I "desired" for.
Friday, January 2, 2009
(128) 物色房地产
最近和几位网友讨论过房地产。开始越来越有兴趣。
我物色到了一些地点，出租率高，租价也高。
有一间 Condo, 开价 200千，租金 1850，已经有 tenant. Tenant 期从 1-2 年不等。
如果借 30 年的 loan 来算，如果租金市场保持，那么这是真的很不错的投资。
这里的屋子，由于租金收入高，很少人放盘。
供期加其他的杂费，也不过 1200-1300。 每月还有 600 左右的现金流。
这样算来，其实是很好的投资了。
Agent 会 mark-up 价钱。借 loan 就高一点。这样，头期钱只要 10千左右就解决了。
考虑，考虑。。。。
我物色到了一些地点，出租率高，租价也高。
有一间 Condo, 开价 200千，租金 1850，已经有 tenant. Tenant 期从 1-2 年不等。
如果借 30 年的 loan 来算，如果租金市场保持，那么这是真的很不错的投资。
这里的屋子，由于租金收入高，很少人放盘。
供期加其他的杂费，也不过 1200-1300。 每月还有 600 左右的现金流。
这样算来，其实是很好的投资了。
Agent 会 mark-up 价钱。借 loan 就高一点。这样，头期钱只要 10千左右就解决了。
考虑，考虑。。。。
Friday, December 19, 2008
(127) 断章取义
很多时候，不知是否有些有心人想要出货，就会断章取义，引用一些有利的资料，却又不完全的报道。。
y-o-y 是好，但 q-o-q 的情况就不一样了。如果是经济风暴前，这样的成绩就糟糕了。但现在的情形，应该可以另当别论吧。。。总之，不可以净看表面。。。。
Wednesday, December 17, 2008
(126) 另一盘新生意即将诞生。。。
最近退伤好了，回去了那个属于我的运动世界。
才赫然发现，一年半的时间里头，很多看似不起眼的东西，价格已经涨得太夸张了。
更有网友比喻，这个普通的运动，消费越来越接近 Golf 了。
就这样，令我萌生了另一盘生意的可能性。
于是，我联络了外国的厂家，运输公司，再结合志同道和的朋友，就这样一步步的开始了。。。
供应有了，销售网络有了。
接下来就是要坚定品质和价格的可行性。 这个。。。应该很快的，希望最迟在一月中，就可以决定。再来，就是用回我另一间公司伙伴教我的方法 〉〉〉商标注册！
虽然感觉有点对不起原本的伙伴。但是他们对这运动完全没热诚。也是很难搞起来的。
最理想的就是，将娱乐，兴趣，化为生意的动力。这样，我相信什么都有可能！
才赫然发现，一年半的时间里头，很多看似不起眼的东西，价格已经涨得太夸张了。
更有网友比喻，这个普通的运动，消费越来越接近 Golf 了。
就这样，令我萌生了另一盘生意的可能性。
于是，我联络了外国的厂家，运输公司，再结合志同道和的朋友，就这样一步步的开始了。。。
供应有了，销售网络有了。
接下来就是要坚定品质和价格的可行性。 这个。。。应该很快的，希望最迟在一月中，就可以决定。再来，就是用回我另一间公司伙伴教我的方法 〉〉〉商标注册！
虽然感觉有点对不起原本的伙伴。但是他们对这运动完全没热诚。也是很难搞起来的。
最理想的就是，将娱乐，兴趣，化为生意的动力。这样，我相信什么都有可能！
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