你们有理财吗？

ccw85

http://www.businessinsider.com/t ... uy-2014-6?IR=T&

6 Things You Should Never Borrow Money To Buy

Generally speaking, borrowing for a house, your education, or perhaps even a vehicle can be beneficial.

Meanwhile, there are some items that you should never borrow money to purchase. Despite the apparent urgency that surrounds a few of these purchases, learning to wait or lower your expectations will undoubtedly save you money, and likely many headaches, in the long run.

Never borrow money for the following purchases:

1. A boat

Spending summer on the lake is a lot of fun for the entire family. Soda, swimsuits, and wakeboarding make for a great afternoon. However, borrowing for a boat can put you back a significant amount — especially once you add the cost of registering, insuring, storing, and launching the boat.

There are many options that can prevent you from needing to borrow to purchase your vessel. If waiting until you have enough money doesn’t sound appealing, considering buying a used boat, buying a boat with friends, renting, or borrowing for your days on the water. Although these options may not seem as exciting as buying new, it will certainly save you money over time.

2. An ATV

Similarly, ATVs, dirt bikes, and other big toys should only be purchased once enough money has been saved up to pay-in-full for the purchase. It can be difficult to wait patiently for something that you really want, but it can be amazing how much more enjoyable something is when you save up for it. Furthermore, while a $5 spontaneous purchase may have little effect on your finances, a $5,000 purchase certainly can. By saving up for a large purchase, you don’t make it until you are absolutely confident that the purchase is the right decision.

3. A wedding

It’s becoming more frequent for brides, grooms, and parents to take out huge loans to pay for extravagant weddings. If you think about it, however, the last way you want to start off your married life is with a mountain of debt. Find creative ways to reduce the cost of your wedding and use your credit to purchase a house. Twenty years down the road you will certainly be happy with your decision to invest in your future rather than in a show that cost you an arm and a leg. Of course, you should make your wedding beautiful — but there are many ways to do this without breaking the bank.

4. An engagement ring

Even worse than borrowing for a wedding is borrowing for an engagement ring! If your girlfriend will only marry you if you spend $10,000 on a ring, then maybe you better take a moment to rethink if she is the girl for you. Love shouldn’t have a price tag — and if it has one from the beginning, you may be in for a lot of trouble. You certainly don’t want to find yourself, five years from now, still paying off an engagement ring for a woman who left you because she found someone with a bigger bank account.

5. A vacation

The need to take the family out to enjoy the summer may make it tempting to borrow for that “perfect” vacation. However, this is a very poor financial decision. Rather than borrowing for this summer’s vacation, keep it simple and start saving the would-be payments for next year’s vacation. You will actually end up with more money for next summer’s vacation, and all future vacations, then you would have if you borrowed for every trip and paid the additional interest fees.

6. Furniture or appliances

Unfortunately, there are many stores that offer financing for everything from couches, to HDTV’s, to washers and dryers. Although the pleasure of immediate gratification can make these purchases tempting, in the long run, most of these purchases will result in a tighter financial position. The only purchase that may be worthwhile would be for a washer and dryer — eliminating the need to spend money at a Laundromat.

Managing your finances can require a lot of discipline. However, learning to patiently save will result in a more secure and comfortable financial future.


Read more: http://blog.smartcredit.com/2014 ... hase/#ixzz34Brxx600

ccw85

Most of us know that we need to save money.

But … why?

Over on Quora, a 21-year-old earning an “average salary” explained that he’s spending every cent on buying himself a nice life, and asked the community if he should be saving as well. The overwhelming response was yes, he absolutely should.

If you don’t save in your 20s, users explained, you could be sabotaging yourself in the following ways:

1. You’re giving up the interest you would earn.

“When it comes to saving for the future or for retirement, all of the money you earn in interest is made in the early years of your life, not the final ones, and you can never make up for that later. … Every single thing you do today is preparing you for the life you will live tomorrow.” —Jay Bazzinotti

2. You’ll be unable to cope should you lose your job.

“… My employer laid off half the staff in my division. I was young, fresh out of school and my work experience was limited. I had very little saved. Over the course of the next year, I struggled to find steady work … The bills piled up, many went to collections. I started getting phone calls from debt collectors. My life became very stressful.” —Jason Ewing

3. You’ll take the risk of going backwards in life.

“I am going to give you one simple rule that my mom gave to me and it has made all the difference in the world to me: ‘Don’t ever go backwards in life.’ … I used to spend a lot more money when I was younger and on foolish things, but as I have grown older, I realize my mom was right. Focus on keeping the money you earn and keep your expenses at a level where you will not have to move to a crappier home or beat up jalopy when you are middle aged.” —Sanjay Sabnani

4. You’ll be putting unwarranted faith in your future earning power.

“Forty years from now you might still have food on your table, a shirt on your back, a roof over your head, plus much more. But your body and strength will no longer be as good as it is now. The same goes to your ability to ‘earn an average salary.’ You’ll probably fall to a serious illness, for which you’ll spend what little you have saved. Then you’ll live for 40 more years. In poverty.” —Kit Monisit

5. You won’t be investing in yourself.

“What I wish that I had done more of when I was 21 was invest in myself. Rather than blowing money on eating every meal out, I should have put it into buying a condo. I wish that I had put more money into savings for rainy days. I wish that I had taken more courses just because they interested me and that I could afford them.” —Mark Milotay

6. You could get stuck in a job you hate.

“You should think about what you can do if you start hating your job. If you are spending every cent you are making, and the boss pulls out whips and chains, then you are going to have to keep with the beatings. If you have a cash reserve at home, then you are in a better position to tell your boss to shove it.” —Joseph Wang

7. You won’t be able to afford your future goals.

“Is it possible that one day you might want to buy a house? Get married? Have children? Buy a nice car? Take an extended family vacation? Send your kids off to college? At your age, some of these things may not be on your mind right now, but very likely, they will be someday. You’ll need money to pay for these things — lots of it.” —Garrick Saito

8. You’ll regret it later.

“I don’t think you’ll find a single person who looks back on their life and says ‘I wish I’d spent more money on frivolous things.’” —Shelby Buttimer

9. You’ll be accelerating your consumption curve.

“Obviously, as you make more money over time, there will be more things you can afford, and trust me that once you have them — even though some of them don’t remotely seem like ‘needs’ now — you will begin to think you can’t live without those things as well. So, my advice is to slow that curve as much as you can. If you can cut back now and really decide what is actually a need versus what is just a ‘want,’ and get in the habit of that, you will a) save money, and b) be happier over the long haul.” —Brad Newberg

http://www.businessinsider.my/wh ... buffer#.U5kAvxtZo6g

jackytan77

凡是投资，都一定有损失的风险，如果我今天有100万，我拿去放fd，每年最少也有3% ～6%的利息，也就是没年会有30k到60k给我花。平均1个月有2500 ～ 5000。对我来说，比什么投资都来的好。:lol

cysjason

凡是投资，都一定有损失的风险, 我认同，但是要用多余钱来投资。

ccw85

jackytan77 发表于 12-6-2014 09:38 AM
凡是投资，都一定有损失的风险，如果我今天有100万，我拿去放fd，每年最少也有3% ～6%的利息，也就是没年会 ...

风险是绝对有的，high risk high return 所以要是有人和你讲包赚时就要知道这很大可能是骗你的。定期是很好可是你的购买力会因为贬值而不断下降。比如说2007年时stutong一带很多260到280千的双层排屋，现在这些屋子有的卖到450千。7年时间屋子价钱翻了一番。没有在那时候买的朋友包括我自己只能现在出高价还是买到远远的地方而且新屋子也小了很多。

cat_fish

jackytan77 发表于 12-6-2014 09:38 AM
凡是投资，都一定有损失的风险，如果我今天有100万，我拿去放fd，每年最少也有3% ～6%的利息，也就是没年会 ...

如果我有1m,我也会放银行吃利息。等一天金融风暴来袭，才慢慢的买进股票和基金。这才是好方法。每个月定期买进不是不好，是定力文题。

ccw85

cat_fish 发表于 12-6-2014 02:41 PM
如果我有1m,我也会放银行吃利息。等一天金融风暴来袭，才慢慢的买进股票和基金。这才是好方法。每个月定期 ...

我也是想这么做，可是等啊等不知道等到什么时候。不过讲真的，去了几个seminar都讲股市已经超过以前的平均pe了。现在买进股票还是股票基金会有一定的风险。

jackytan77

cat_fish 发表于 12-6-2014 02:41 PM
如果我有1m,我也会放银行吃利息。等一天金融风暴来袭，才慢慢的买进股票和基金。这才是好方法。每个月定期 ...

我這個人比較心急, 投資最好馬上能創造現金流.
定期定額太過保守, 我比較喜歡集中火力.
而且現在Sarawak的城市物品的通澎太過厲害, 如果想要對抗通膨, 只有房地產才能蓋過.
基金對我來說是一個上不得, 下不能的投資工具.

jackytan77

還有一個是6%消費稅問題,
這6%代表的是甚麼?
我認為是6%的通膨!
通膨6%耶, 不厲害嗎?
所以今天我們投資的ROI沒有高過6%, 那都不是好投資.

jackytan77

從中國歷史中我們可以學到, 許多朝代末年, 都會出現許多苛捐雜稅, 搞的民不聊生, 最後人民只好起義.
現在的馬來西亞, 也出現越來越多, 各種各樣的稅收.
當政府與民爭利, 情勢將會越來越惡劣.
消費稅, 我覺得不適合Sarawak, 因為它是一種變相的全民征稅, 而Sarawak普遍薪水低.
以前, 退休人士, 未成年的人, 不需要繳稅. 因為他們沒有收入. 或者可以說低收入戶, 都是免稅的.
但消費稅卻使得每一個人一消費, 就需要繳稅, 非常不妥, 會傷害消費力.
我覺得消費稅是一個懲罰窮人的稅制.
因為對富人來說, 6%根本不痛不癢; 但對窮人來說, 6%將會使他們更加要勒緊褲帶.

ccw85

jackytan77 发表于 13-6-2014 07:02 AM
還有一個是6%消費稅問題,
這6%代表的是甚麼?
我認為是6%的通膨!

是咯，我们的钱明年四月一号后就会贬值6%。他们讲东西会变便宜真的是睁眼说瞎话。可是最近我问了几个在samarahan的房地产价钱发现涨价没有以前快了。而且报纸也开始看到很多房地产广告，这代表现在房地产也开始难卖了。

lmei0812

10x protection, exceed fixed deposit interest made you get more,
Guaranteed in three years take a year dividend,
Total premium return back...
If interested can contact me...

10倍保障，超越定期存款令您获得更多，
保证三年拿一年红利，
满期拿回母钱...
有意者可以联络我...

ccw85

lmei0812 发表于 13-6-2014 02:38 PM
10x protection, exceed fixed deposit interest made you get more,
Guaranteed in three years take a ...

return how many percent? Can guarantee?保障什么？

jackytan77

lmei0812 发表于 13-6-2014 02:38 PM
10x protection, exceed fixed deposit interest made you get more,
Guaranteed in three years take a ...

真正好東西就敢敢的，清清楚楚講出來。^_^

ccw85

有兴趣理财又不知道如何可以多念念这边 http://www.nanyang.com/taxonomy/term/698。

leoksting81

jackytan77 发表于 13-6-2014 07:20 AM
從中國歷史中我們可以學到, 許多朝代末年, 都會出現許多苛捐雜稅, 搞的民不聊生, 最後人民只好起義.
現在的 ...

6% 消费税是超级通膨。
好像吃一盘面， 就不是只涨6%。

黄面 6%
煤汽 6%
肉 6%
洋葱 6%
油 6%
酱油 6%
租金 6%
综合了全部的用料，一盘面可以轻易涨个20%。

明年就知道了。
然后呢， 在1/4/2015之前，
很多消费品会短缺。

ccw85

在invest talk看了一句很有意思和大家分享：“如果理财投资一直追求金钱，到头来只是个数目字。理财不是吝啬刻薄自己，过着非人生活，而是舍弃不必要的花费，用最少的金钱得到最大的满足，该花的就要花。”

cynniechiu

我是选epf和股票还有房地产咯。自己鉴定自己管理，不必假手于人。

蓝蓝2012

其实理财的第一步,就是先省下不必要的开销,开源节流.我们没有办法同时做很多工作,但少吃外食,别老是跟风买新颖的手机总行吧!要存到钱才有资格去理财,活在非常物质生活的年代,年轻人是很难存到钱的,杂费太多薪水却只有一份,可悲!