Friday, August 13, 2010

理財的“五個一”工程


1、一生恪守量入為出

拳王泰森從20歲開始打拳,到40歲時掙了將近4億美元,但他花錢無度,別墅有100多個房間,幾十輛跑車,養老虎當寵物,結果到2004年底,他破產的時候還欠了國家稅務局1000萬美元。如果你不是含著金鑰匙出生,享受應該是40歲以後的事,年輕時必須付出、拚搏,老來窮才是最苦的事情。

2、不要夢想一夜暴富

天上沒有餡餅,天上有甚麼?雨、雪、沙塵暴,偶爾會掉下一個花盆甚麼的,一定不會有餡餅掉下,中國有句俗話“財不進急門”。

一年40至50%賺利機會不可信,要想想別人的動機,聽起來過於完美的東西往往不是真的。很多中了彩票頭獎的人10年後還是貧困,因為買大房子、買車,鑽出幾十個窮親戚。

當別人給你貌似很好的投資機會時,問自己六個問題:
1、誰在賣我東西,對方的信譽如何?
2、我的錢用甚麼去了?
3、我賺的是甚麼錢,盈利模式。
4、收益率合理嗎?年收益1至5%低,5至8%中等,8%以上高。
5、如果我不投資了,賣得出去嗎?
6、如果賣不出去,可以自用嗎?

六個問題如果有兩個以上有疑問,就不大可信。

3、不要讓債務纏住一生

房奴、車奴、卡奴。月還款應該在收入的30%以下,50%會非常難受。想好你是否具備財務能力再買房,沒能力買房就是房奴。

車奴更甚,車子是持續消費。日本富翁每天拎著飯盒坐公共交通。信用卡是財務鴉片。

改變生活要從小錢開始還,還卡--還車--還房--存錢--投資。

你永遠算不過銀行,擺脫財務要還本而不是還息

4、一夫一妻一個孩

結婚不是最大的財就是最大的債。所以不要輕易結婚與輕易離婚。

5、專心一項投資

中國有一句老話叫一招鮮,吃遍天,一生做好一件投資你就會過上美滿和幸福的生活,不是去賭。不熟不做,不懂不投,不要從眾。有些錢不是你的。

Reference:
星洲日報/投資致富‧財富教室‧2010.08.08

Tuesday, August 10, 2010

6步驟防信用卡盜用


信用卡遭盜用將讓你遭到巨大損失。信用卡發行機構對此事件非常警惕,並採取安全措施保護消費者買免受詐騙。

不過,你也需採取必要步驟以將遭盜用風險減至最低。

保障你的信用卡

1. 一旦收到信用卡立即簽名

2. 將信用卡放置在錢包的固定位置,一旦遺失或被偷,你即可馬上發現

3. 將信用卡給他人

4. 不随便向他人提供你的信用卡資料(信用卡號碼及截止日期),他們可能透過電話、郵件及網絡購物

5. 記住密碼且不寫在信用卡上或向任何人紕漏

6. 記下信用卡發行機構電話號碼,一旦信用卡遺失、遭偷竊或未經授權交易,你可立即向此機構呈報。

確保你收到新信用卡後,將舊信用卡剪斷

◆簽名或確認交易前,請詳察付費授權單細節。

◆妥當收藏付費授權單,並在收到每月賬單時立即檢查。

◆一旦發現可能出現未經授權交易,馬上通知信用卡發行機構並儘快以書面通知。

◆在丟掉付費授權單前銷毀它。

Reference:
星洲日報/投資致富‧銀行知多少‧2010.08.08

Wednesday, August 4, 2010

5 Reasons Why You Feel You Don’t Need A Will




Reason 1: IGNORANCE
Many people are unsure of the function of a Will and importance of having one to protect the future of their loved ones.

Reason 2: SUPERSTITION
Throughout history, people have felt that if they write a document pertaining to death, it is a sure-fire way to hasten their demise. Death is obviously a subject we do not want to think or talk about and we generally associate death with older generations.

Reason 3: AGE
So many young people do not have a Will simply because they feel too young ~ nobody is too young to make a Will. In fact, a Will has nothing to do with age or death, but to protect your loved one when you are no longer around. One is never too young, It can only be too late.

Reason 4: MISCONCEPTION
It is believed that only the wealthy need to write a Will, for they have many possessions. The truth is, writing a Will has little to do with your net worth and everything to do with leaving a legacy of love and care. We all have something to leave - maybe EPF, a low cost flats, a small car, insurance given by credit cards company, banks, handphone service providers or other even those long forgotten Savings Accounts you've had for years.

Reason 5: PROCRASTINATION
People think a Will is a complicated and time consuming document and best left to write when older, instead of wasting time in the prime of life. According to statistics, today only Seven out of ten people who need to make a will die without having done so. This often creates serious problems for their families and others whom they would wish to benefit. Many people make the mistake of thinking that their possessions will automatically go to their spouses, children, or relatives but this is not necessarily so. If you do not make a Will your property and possessions will be disposed of according to Government rules (Distribution Act 1958), which may not be as you would wish!


Every individual over the age of 18 should have a will, whether they are rich or poor, male or female, single or married. Without a Will, the law will decide and certain people who are dependent on you or your loved ones may not received anything.


"If You Do Nothing,

The Law Will Do It For You!"


Source:
Malaysian Will

Monday, August 2, 2010

Distribution Act 1958

DISTUTION ACT 1958 (as amended by the Distribution (Amendment) Act 1997

INTESTATE LEAVING SURVIVING

ENTITLEMENT

Spouse only ( no parent(s)/issue )
- Spouse - whole estate
Spouse and Parent(s) only (no issue)
- Spouse - 1/2
- Parent(s) - 1/2
Issue only ( no Spouse/Parent(s) )
- Issue - whole estate
Parent(s) only ( no Spouse/issue )
- Parent(s) - whole estate
Spouse and issue ( no Parent(s))
- Spouse - 1/3
- Issue - 2/3
Issue and Parent(s) ( no Spouse )
- Issue - 2/3
- Parent(s) - 1/3
Spouse and Issue and Parent(s)
- Spouse - 1/4
- Issue - 1/2
- Parent(s) - 1/4

Note : This Act only applies to West Malaysia and Sarawak. It does not apply to Muslims.

In the case when and intestate dies without leaving a surviving spouse, child or parent, the following person(s) are entitled to the estate in accordance to priority :-
1. brothers and sisters
2. grandparents
3. uncles and aunts
4. great grandparents
5. great uncles and aunts
6. Government

Source:
AmanahRaya