akpk-money $ense.pdf

7/24/2019 AKPK-Money $ense.pdf

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Money $ense

Getting Smart with Your Money

AKPKAgensi Kaunseling dan PengurusanKredit

Kenapa perlu Perancangan Kewangan (PK)?


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Ketua Kumpulan, sila pinjam buku ini di Pusat KoK

pada hari Isnin, 8-12-2014


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5 steps in financial planning

Nilai diri anda sekarang

Tetapkan matlamat

Buat Pelan kewangan

Laksana pelan K

Pantau pelan K dan nilai semula


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Peringkat umurkeperluan wang berlainan

Time Value of Moneymoney grow with time

Save 10K, for 10years, 5% --- RM16,289 Power of compounding interest


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Bab 2

Set your financial goal

Write down your goalbuy car after grad

Break goal into ST, MT and LT goal Calculate your Net Worth (NW)

NW=Asset-Liabilities

Track your spending Living within means


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Chapter 3: Financial Products and

Sevices

Banking: SA, CA,

PIDM insures your deposit up to 250K

FMBsettle disputes bet you and your financialprovider

Islamic Banking

Internet Banking


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Chapter 4: Building Wealth

Saving habit-automatic

Increase your NW

Risk and return Dont put your egg in one basket

Types of investments: Cash, shares, unit trust

funds, property, bond


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Financial Scams

Ponzi Scheme: Pyramid money scheme

Nigerian Scheme

Not easy to get moneyno easy money


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Chapte 5-insurance

Protection for something bad that can happen

How does insurance works?

Types of insurance: life, term life, endownment(protection+saving), medical and health

General Insurancemotor, house, travel dan

property


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Takafulshariah principles, aqad

Before buying insurance:

Know the diff types

Coverage

Conditions (Syarat-syarat)

Premium

Claim procedurepolice report


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Chapter 6: borrowing basics

Credit card-ask: do you need it?

Money lenders-licensed, along

PTPTN Personal loan

Car loan: Hire Purchase

Housing loan CCRIS-central credit reference info system


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Chapter 7: Living your life

Your student loan

Income taxIRB

Buying car Buying houselocation

Mariages

Retirement Balanced lifemoney is not everythings!


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Chapter 8: Getting out of financial

trouble

Sign of financial troubles:

Credit cardpay the minimum balance, over credit

limit, take cash advance

Loanstake another loan to cover first loans

Savingno saving, or use it all

Expensesdepend on part time job, or always

asking when is the payday Ignorancedont want to discuss with people


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Where to find help?

Go to AKPK

Financial education

Financial counselling Debt Management Programme (DMP)

www.akpk.org.my


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Appendixes

Pg 129invest now, 15K, at 55 you will have

300K (at 10% interestamanah saham)

akpk-money $ense.pdf

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