mengapa anda perlu beli kereta?
Adakah ia sebagai satu kemahuan, keperluan atau kemampuan?
Daripada persoalan di atas maka timbul lagi persoalan, kriteria yang macam mana kenderaan yang harus dibeli?
Adakah kereta tersebut perlu berjenama?Adakah kereta tersebut berkeadaan mewah?Kereta tempatan ataupun import?Pentingkah kereta tersebut berkuasa tinggi atau sekadar memenuhi ruang untuk keluarga?Beli baru atau sekadar yang terpakai?
Hah!!!! Tepuk dahi Tanya hati….
Cuba renungkan cadangan di bawah ini…
Sekiranya kereta tersebut merupakan factor keperluan, ia perlu merangkumi faktor-faktor berikut:
1. Sebagai kegunaan di mana kereta tersebut:- digunakan sebagai pengangkutan harian ketempat kerja.- digunakan untuk berniaga- untuk balik kampong- untuk pergi bercuti- aktiviti social seperti ziarah
2. Bilangan ahli keluarga:- Suami dan isteri- Anak-anak- Orang tua kita jika ada
3. Ketiadaan kemudahan pengangkutan awam yang sempurna di kawasan kita:- Di mana kenderaan ini perlu digunakan sekiranya berlaku kecemasan.
Sekiranya kereta tersebut merupakan factor kemampuan, pastikan:
Pendapatan bulanan mempunyai baki bersih yang memberikan margin untuk kecemasan.Buat senarai dan kira-kira tentang perbelanjaan bulanan seperti:- Sewa rumah- Makan minum- Utiliti- Perubatan- Pakaian- Pendidikan- Perlindungan takaful- Pelaburan dan tabungan- Zakat
Formula yang harus digunakan adalah seperti berikut:
Keperluan + Kemampuan = Kenderaan
Kenderaan yang mana meliputi:
-harganya
-keadaan baru atau terpakai
-jenisnya samada sedan, van atau MPV
-kos penyelengaraan
Nisbah Kemampuan: Ukurlah baju di badan sendiri di mana untuk membeli sesuatu perlu mengikut kemampuan kita…. Jangan sesekali guna pakai “biar papa asal bergaya” alamat merana kemudian hari.
Langkah Pertama,Perlu kira Nisbah Hutang yang ada. Bagaimana?
Iaitu,
Nisbah Hutang = (Jumlah hutang / Gaji atau pendapatan ) x 100%
Sebagai Contoh ikuti kes berikut;
Jumlah kesemua hutang sebanyak RM2500, manakala pendapatan adalah sebanyak RM5000.
Jadi, Nisbah Hutang:= (2500/5000) x 100%= 50%
Rumusan di sini, sebanyak 50% daripada hasil gaji dan pendapatan digunakan untuk membayar hutang sahaja. Tidak termasuk makan minum, pakaian, kecemasan dan lain-lain lagi.
….. Aaaha! Jangan hanya sekadar pertimbangkan kadar bayaran ansuran bulanan sahaja…
Pertimbangan lain yang perlu diambil kira sebelum membeli kereta, juga termasuk:
- Kos pembaikan dan penyelenggaraan
- Kadar ketetapan cukai jalan
- Kos insuran yang perlu dijelaskan
Tempoh Pinjaman:
- Tempoh yang panjang dapat mengurangkan jumlah bayaran bulanan kepada yang lebih kecil.
-Cuba elakkan tempoh bayaran yang terlalu lama. Tempoh yang optimum adalah 5 tahun.
- Lebih lama tempoh berhutang, maka lebih banyak kita menyumbang kekayaan kepada pihak bank kerana kiraan faedah adalah berkadar tahun.
tahukah anda sekiranya jumlah pinjaman sebanyak RM30K, dengan caj 3% setahun selama 5 tahun, kita telah menyumbang RM4,500 kepada pihak bank. Jika 9 tahun, jadi nilai sumbangan kita kepada bank adalah sebanyak RM8,100. Itu baru pinjaman RM30K, apa kata kalau nilai kereta berjumlah RM100K ke atas?
Jadi, semak contoh Pengiraan pembelian kereta barikut:
Harga Kereta berjumlah = RM30,000.00
Tempoh pembiayaan = 5 tahun
Kadar Caj/keuntungan= 3%
Pendahuluan (10%) = RM3,000.00
Jadi, Pembiayaan RM30,000 – RM3,000 = RM27,000.00
Manakala, ansuran Bulanan selama 5 thn (5 x 12)= RM27,000.00 + (RM27,000 x 3% x 5)= RM517.00 sebulan
Dengan kadar bayaran RM517 sebulan, apakah kereta yang sesuai yang harus dibeli untuk keperluan kita?
Fikir-fikirkanlah, jangan bertindak mengikut nafsu mengapa anda perlu beli kereta?Adakah ia sebagai satu kemahuan, keperluan atau kemampuan?Daripada persoalan di atas maka timbul lagi persoalan, kriteria yang macam mana kenderaan yang harus dibeli?Adakah kereta tersebut perlu berjenama?Adakah kereta tersebut berkeadaan mewah?Kereta tempatan ataupun import?Pentingkah kereta tersebut berkuasa tinggi atau sekadar memenuhi ruang untuk keluarga?Beli baru atau sekadar yang terpakai?Hah!!!! Tepuk dahi Tanya hati….
Cuba renungkan cadangan di bawah ini :
Sekiranya kereta tersebut merupakan factor keperluan, ia perlu merangkumi faktor-faktor berikut:
1. Sebagai kegunaan di mana kereta tersebut:- digunakan sebagai pengangkutan harian ketempat kerja.- digunakan untuk berniaga- untuk balik kampong- untuk pergi bercuti- aktiviti social seperti ziarah
2. Bilangan ahli keluarga:- Suami dan isteri- Anak-anak, Orang tua kita jika ada
3. Ketiadaan kemudahan pengangkutan awam yang sempurna di kawasan kita. Di mana kenderaan ini perlu digunakan sekiranya berlaku kecemasan.Sekiranya kereta tersebut merupakan factor kemampuan, pastikan:Pendapatan bulanan mempunyai baki bersih yang memberikan margin untuk kecemasan.Buat senarai dan kira-kira tentang perbelanjaan bulanan seperti Sewa rumah, Makan minum, Utiliti, Perubatan, Pakaian, Pendidikan, Perlindungan takaful, Pelaburan dan tabungan, Zakat.
Formula yang harus digunakan adalah seperti berikut:
Keperluan + Kemampuan = KenderaanKenderaan yang mana meliputi:
-harganya
-keadaan baru atau terpakai
-jenisnya samada sedan, van atau MPV
-kos penyelengaraan
-bilangan kereta yang perlu
Nisbah Kemampuan, Ukurlah baju di badan sendiri di mana untuk membeli sesuatu perlu mengikut kemampuan kita…. Jangan sesekali guna pakai “biar papa asal bergaya” alamat merana kemudian hari.
Langkah Pertama, Perlu kira Nisbah Hutang yang ada. Bagaimana? Iaitu,Nisbah Hutang = (Jumlah hutang / Gaji atau pendapatan ) x 100%
Sebagai Contoh ikuti kes berikut :
-Jumlah kesemua hutang sebanyak RM2500, manakala pendapatan adalah sebanyak RM5000.
Jadi, Nisbah Hutang:= (2500/5000) x 100%= 50%
Rumusan di sini, sebanyak 50% daripada hasil gaji dan pendapatan digunakan untuk membayar hutang sahaja. Tidak termasuk makan minum, pakaian, kecemasan dan lain-lain lagi.….. Aaaha! Jangan hanya sekadar pertimbangkan kadar bayaran ansuran bulanan sahaja…Pertimbangan lain yang perlu diambil kira sebelum membeli kereta, juga termasuk:
Kos pembaikan dan penyelenggaraan :
-Kadar ketetapan cukai jalan
- Kos insuran yang perlu dijelaskan
-Tempoh Pinjaman -Tempoh yang panjang dapat mengurangkan jumlah bayaran bulanan kepada yang lebih kecil. Cuba elakkan tempoh bayaran yang terlalu lama. Tempoh yang optimum adalah 5 tahun.Lebih lama tempoh berhutang, maka lebih banyak kita menyumbang kekayaan kepada pihak bank kerana kiraan faedah adalah berkadar tahun.
Kenapa saya berkata begitu, tahukah anda sekiranya jumlah pinjaman sebanyak RM30K, dengan caj 3% setahun selama 5 tahun, kita telah menyumbang RM4,500 kepada pihak bank. Jika 9 tahun, jadi nilai sumbangan kita kepada bank adalah sebanyak RM8,100. Itu baru pinjaman RM30K, apa kata kalau nilai kereta berjumlah RM100K ke atas?
Jadi, semak contoh Pengiraan pembelian kereta barikut :
Harga Kereta berjumlah = RM30,000.00
Tempoh pembiayaan = 5 tahun
Kadar Caj/keuntungan= 3%
Pendahuluan (10%) = RM3,000.00
Jadi, PembiayaanRM30,000 – RM3,000 = RM27,000.00
Manakala, ansuran Bulanan selama 5 thn (5 x 12)= RM27,000.00 + (RM27,000 x 3% x 5)= RM517.00
sebulan.
Dengan kadar bayaran RM517 sebulan, apakah kereta yang sesuai yang harus dibeli untuk keperluan kita?Fikir-fikirkanlah, jangan bertindak mengikut nafsu
SELAMAT DATANG
~selamat datang ~
21/05/11
Gambar tanah runtuh di Ulu Langat -terkini
Gempar!
"Saya dengar bunyi dentuman kuat, tiba-tiba tanah kejar saya," kata Ketua Warden Rumah Anak Yatim Al-Takwa, FELCRA Semungkis, Mohamad Hambali Ismail, 34, ketika ditemuramah wartawan Berita Harian Online, sebentar tadi.
Katanya, ketika kejadian 2.15 petang itu, seramai 23 penghuni sedang membuat persiapan untuk menyambut ketibaan rombongan FINAS yang dijadualkan makan tengah dan beramah mesra dengan anak yatim.
"Ketika sedang sibuk membuat persiapan, saya terdengar dentuman kuat. Saya tidak dapat berbuat apa-apa dan terpaksa lari menyelamatkan diri," katanya.
Beliau berkata, sementara menunggu rombongan FINAS, anak yatim terbabit sebahagiannya berlatih kompang dan nasyid.
Ketika kejadian, 23 orang berada di bawah khemah untuk majlis makan tengah hari itu.
Rumah anak yatim berkenaan mempunyai 34 penghuni, semuanya lelaki.
Setakat ini, dua penghuni maut dan enam pula cedera parah.
Sementara itu, seorang penghuni rumah anak yatim berkenaan, Mohd Faizal Isni, 17, berkata, ketika kejadian dia ke tandas dan tiba-tiba kejadian berkenaan berlaku.
"Saya nampak kawan-kawan yang berada bawah khemah sudah tertimbus, cuma nampak tangan dan kepala mereka. Semuanya terkambus.
"Masa yang sama, ketika saya menoleh ke belakang ternampak tanah runtuh seperti mengejar saya," katanya. -BH
"Saya dengar bunyi dentuman kuat, tiba-tiba tanah kejar saya," kata Ketua Warden Rumah Anak Yatim Al-Takwa, FELCRA Semungkis, Mohamad Hambali Ismail, 34, ketika ditemuramah wartawan Berita Harian Online, sebentar tadi.
Katanya, ketika kejadian 2.15 petang itu, seramai 23 penghuni sedang membuat persiapan untuk menyambut ketibaan rombongan FINAS yang dijadualkan makan tengah dan beramah mesra dengan anak yatim.
"Ketika sedang sibuk membuat persiapan, saya terdengar dentuman kuat. Saya tidak dapat berbuat apa-apa dan terpaksa lari menyelamatkan diri," katanya.
Beliau berkata, sementara menunggu rombongan FINAS, anak yatim terbabit sebahagiannya berlatih kompang dan nasyid.
Ketika kejadian, 23 orang berada di bawah khemah untuk majlis makan tengah hari itu.
Rumah anak yatim berkenaan mempunyai 34 penghuni, semuanya lelaki.
Setakat ini, dua penghuni maut dan enam pula cedera parah.
Sementara itu, seorang penghuni rumah anak yatim berkenaan, Mohd Faizal Isni, 17, berkata, ketika kejadian dia ke tandas dan tiba-tiba kejadian berkenaan berlaku.
"Saya nampak kawan-kawan yang berada bawah khemah sudah tertimbus, cuma nampak tangan dan kepala mereka. Semuanya terkambus.
"Masa yang sama, ketika saya menoleh ke belakang ternampak tanah runtuh seperti mengejar saya," katanya. -BH
19/05/11
IKLAN KOMERSIAL TERBAIK-Pantene Commercial
Hayatilah...pasti terkesan di hati . Saya suka iklan ni sebab banyak pengajarannya...tentang keazaman seorang budak perempuan serba kekurangan tetapi kaya semangat dan kesungguhan. Baik sebagai tontonan remaja.
18/05/11
Butter Golden Churn disahkan TIDAK HALAL
Bahagian Penyelidikan Jabatan Agama Johor dalam MEMO mereka dah sahkan bahawa Butter daripada New Zealand dikesan terdapat DNA Babi, dan Butter itu ialah Golden Churn Creamy Butter.
14/05/11
the most expensive cellphone in the world
1. GOLDSTRIKER IPHONE 3GS SUPREME: $3.2 MILLION
This luxury gadgets is coming from the designer Stuart Hughes. It’s the world’s most expensive cell phone unveiled in 2009. Goldstriker iPhone is encrusted with 271 grams of 22 carat pure solid gold. More than 200 diamonds added on the cell phone. Apple logo on the back features 53 gems and home button is covered with a single 7.1 carat diamond. The iPhone 3GS Supreme decorated as well in a chest carved from granite and Kashmir gold along with a lining made from top Nubuck grain leather
2. GOLDVISH LE MILLION: $1.3 MILLION
Goldvish LeMillion is designed by Emmanuel Gueit. The uniquness of this cell phone is certified by Guinness World Records in 2008. The cell phones use a VVS1 (only microscopically flawed) diamonds with 18 Carat of white gold. The features of the cell phone is pretty standard with 2 GB storage, FM radio, digital camera, MP3 playback and bluetooth are the internal features of the cell phone. This cell phone just available by individual order.
3. DIAMOND CRYPTO SMARTPHONE: $1.3 MILLION
This cell phone is produced by JSC Ancort that originally designed by luxury accecories designer Peter Aloisson. This expensive smart phone is encased with a platinum base and has 50 diamonds and 8 of them is a rare blue diamonds. The navigation key and the Ancort logo are of 18 Carat of rose gold. This cell phone was built on Windows CE.
4. VERTU SIGNATURE COBRA: $310,000
This cell phone is produced by Boucheron, a French jeweler. Vertu Cobra phone is a limited edition cell phone that so far only 8 ever made. this cell phone is featuring ne carat round diamond, two carat pear cut diamond, two emerald eyes and 439 rubies that used to give a cobra look of the phone. Totally this cell phone is using 21 carats of diamond and rubies
5. VIPN BLACK DIAMOND SMARTPHONE: $300,000
The body of this cell phone is made from titan and polycarbonate and spots a cutting edge mirror that finish cladding, adorned with diamonds. It’s designed by Jaren Goh. The cell phone itself is using an intel 400 Mhz processor, 4 mega pixel with 256 TFT screen. This cell phone was designed by Jaren Goh.
6. IPHONE PRINCESS PLUS: $176,400
Another design of Peter Aloisson. The name is coming from the princess shaped diamond cut that studded all over the casing. 138 diamonds out of 318 shaped in this style. The others is shaped in brilliant-cut pattern. This cell phone totally use 17.75 carats of diamonds and 18 Carats of white gold. This version of iPhone are sold for $176,400
7. VERTU DIAMOND: $88,000
Vertu diamond cell phone is featuring tiny diamond dotted all over the body and the keypad that carries eight carat of diamond. The body is created from finest platinum and underpinned with ruby bearings. It’s also equipped with similar ceramic originally intended for space shuttle. You have to provide $88,000 to own this cell phone. 200 cell phones of this model have sold worldwide.
8. MOTOROLA V220 SPECIAL EDITION: $51,800
This luxury cell phone is coming from Motorola cell phone producer. THe Motorolla Special v220 edition. It’s tagged for $51,800 and was designed by Peter Aloisson, Austrian designer. It’s pretty much feminine in looks. All features are standard except that this cell phone is studded with 1200 diamonds on the front panel as well as 18 carat gold is laid in the keyboard.
9. GOLD EDITION NOKIA 8800: $2,700
This cell phone is just like standard of Nokia 8800. Just the outlook casing of the cell phone is encased with gold. This casing will capture attention from the people around of course. It’s has a standard of a smart phone. Such as 62,000 color TFT (208 x 208) display screen along with a SVGA .5 MP camera. MMS, SMS, USB, Java, WAP, Infrared, Bluetooth and Edge connectivity are present. Other standard features like FM Radio, Mp3 Player, 64 polyphonic and Video Recording are also present.
10. NOKIA LAMBORGHINI 8800 SIROCCO: PRICE IS NOT PUBLISHED
This Lamborghini 8800 Sirocco cell phone has 3 bands GSM coverage so that it can be used in 5 continents. It’s just like usual mobile phone that it has internal memory, TFT display color and the camera. This cell phone is protected by scratch-resistant sapphire coated glass. I guess the things that made it expensive is the Lamborghini tag attached to this phone. It has a wallpapers, screensaver and ringtones and documentary video about Lamborghini
This luxury gadgets is coming from the designer Stuart Hughes. It’s the world’s most expensive cell phone unveiled in 2009. Goldstriker iPhone is encrusted with 271 grams of 22 carat pure solid gold. More than 200 diamonds added on the cell phone. Apple logo on the back features 53 gems and home button is covered with a single 7.1 carat diamond. The iPhone 3GS Supreme decorated as well in a chest carved from granite and Kashmir gold along with a lining made from top Nubuck grain leather
2. GOLDVISH LE MILLION: $1.3 MILLION
Goldvish LeMillion is designed by Emmanuel Gueit. The uniquness of this cell phone is certified by Guinness World Records in 2008. The cell phones use a VVS1 (only microscopically flawed) diamonds with 18 Carat of white gold. The features of the cell phone is pretty standard with 2 GB storage, FM radio, digital camera, MP3 playback and bluetooth are the internal features of the cell phone. This cell phone just available by individual order.
3. DIAMOND CRYPTO SMARTPHONE: $1.3 MILLION
This cell phone is produced by JSC Ancort that originally designed by luxury accecories designer Peter Aloisson. This expensive smart phone is encased with a platinum base and has 50 diamonds and 8 of them is a rare blue diamonds. The navigation key and the Ancort logo are of 18 Carat of rose gold. This cell phone was built on Windows CE.
4. VERTU SIGNATURE COBRA: $310,000
This cell phone is produced by Boucheron, a French jeweler. Vertu Cobra phone is a limited edition cell phone that so far only 8 ever made. this cell phone is featuring ne carat round diamond, two carat pear cut diamond, two emerald eyes and 439 rubies that used to give a cobra look of the phone. Totally this cell phone is using 21 carats of diamond and rubies
5. VIPN BLACK DIAMOND SMARTPHONE: $300,000
The body of this cell phone is made from titan and polycarbonate and spots a cutting edge mirror that finish cladding, adorned with diamonds. It’s designed by Jaren Goh. The cell phone itself is using an intel 400 Mhz processor, 4 mega pixel with 256 TFT screen. This cell phone was designed by Jaren Goh.
6. IPHONE PRINCESS PLUS: $176,400
Another design of Peter Aloisson. The name is coming from the princess shaped diamond cut that studded all over the casing. 138 diamonds out of 318 shaped in this style. The others is shaped in brilliant-cut pattern. This cell phone totally use 17.75 carats of diamonds and 18 Carats of white gold. This version of iPhone are sold for $176,400
7. VERTU DIAMOND: $88,000
Vertu diamond cell phone is featuring tiny diamond dotted all over the body and the keypad that carries eight carat of diamond. The body is created from finest platinum and underpinned with ruby bearings. It’s also equipped with similar ceramic originally intended for space shuttle. You have to provide $88,000 to own this cell phone. 200 cell phones of this model have sold worldwide.
8. MOTOROLA V220 SPECIAL EDITION: $51,800
This luxury cell phone is coming from Motorola cell phone producer. THe Motorolla Special v220 edition. It’s tagged for $51,800 and was designed by Peter Aloisson, Austrian designer. It’s pretty much feminine in looks. All features are standard except that this cell phone is studded with 1200 diamonds on the front panel as well as 18 carat gold is laid in the keyboard.
9. GOLD EDITION NOKIA 8800: $2,700
This cell phone is just like standard of Nokia 8800. Just the outlook casing of the cell phone is encased with gold. This casing will capture attention from the people around of course. It’s has a standard of a smart phone. Such as 62,000 color TFT (208 x 208) display screen along with a SVGA .5 MP camera. MMS, SMS, USB, Java, WAP, Infrared, Bluetooth and Edge connectivity are present. Other standard features like FM Radio, Mp3 Player, 64 polyphonic and Video Recording are also present.
10. NOKIA LAMBORGHINI 8800 SIROCCO: PRICE IS NOT PUBLISHED
This Lamborghini 8800 Sirocco cell phone has 3 bands GSM coverage so that it can be used in 5 continents. It’s just like usual mobile phone that it has internal memory, TFT display color and the camera. This cell phone is protected by scratch-resistant sapphire coated glass. I guess the things that made it expensive is the Lamborghini tag attached to this phone. It has a wallpapers, screensaver and ringtones and documentary video about Lamborghini
13/05/11
THE WORLD MOST EXTREAM RACE EVER
Tough Guy claims to be the world’s most demanding one-day survival ordeal.
First staged in 1986, the Tough Guy Challenge is held on a 600-acre (2.42 square km) farm in Perton, Staffordshire, near Wolverhampton, England, and is organised by Billy Wilson (using the pseudonym “Mr Mouse”). It has been widely described as “the toughest race in the world”, with up to one-third of the starters failing to finish in a typical year. After 24 stagings of the winter event, Wilson still claimed nobody had ever finished all the course according to his extremely demanding rules.
Enjoy watching! Just smile
First staged in 1986, the Tough Guy Challenge is held on a 600-acre (2.42 square km) farm in Perton, Staffordshire, near Wolverhampton, England, and is organised by Billy Wilson (using the pseudonym “Mr Mouse”). It has been widely described as “the toughest race in the world”, with up to one-third of the starters failing to finish in a typical year. After 24 stagings of the winter event, Wilson still claimed nobody had ever finished all the course according to his extremely demanding rules.
Enjoy watching! Just smile
Langgan:
Catatan (Atom)