JUST Islamic Financial Consultant

20/12/2024

Siapa yang kaya didunia ini ?
If kira guna duit here are their faces & what they are worth.

Obviously, Musk continue scented as wealthiest (now almost USD400 billion) especially when dia seolah-olah the tink tank for Trump.

Trump targets higher tariff, tax cuts, taller walls (migration)… theme for 2025 and beyond.

20/12/2024

Bank Negara's plan to abolish Rule of 78 may lead to wider financial reforms…
https://theedgemalaysia.com/node/738126

Instalment tetap sama tiap2 bulan tetapi setiap instalment ada bahagiam principle dan bahagian interest / financing cost. Diawal-awal tempoh financing, bank ambil bahagian mereka dulu dan sedikit sangat bahagian akan ditolak dari principle.

Sumber :

https://loanstreet.com.my/learning-centre/how-banks-fooled-you-with-the-rule-of-78

20/12/2024

What this means ?
Ini langkah sangat bagus untuk percepatkan kita bayar hutang bank…

Bank selama ini akan “makan interest upfront”.

The proposed abolition of the Rule of 78 by Bank Negara Malaysia could “pave the way” for similar reforms in other financing products, including hire purchases, having a larger impact on the banking sector, according to Phillip Capital.

04/07/2024

Memang kita sayang anak kita, tetapi we have to draw a line setakat mana kita sanggup assist them financially.

Bila terpaksa rela belanja RM750,000 and finito in 7 years for reasons disclosed, cam mana nak teruskan kehidupan ?

Personally, pernah ada a mother (cancer) with 3 daughters jumpa saya di pejabar Cheras. Rasa macam nak cekik perilaku anak-anak akak ini sebab dok rebut nak duit kwsp akak (ibu mereka) while disregarding health condition ibu mereka.
Bapa (chronic asthma) tak mampu buat apa-apa. Dok diam perhati perangai anak- anak.

Kak Jas dah naik suara and reminded the girls :
1/ ini duit your mom
2/ your mom is seriously unwell
3/ you all dah dewasa and must learn to be independent & responsible adults.

Frustration saya (with the girls) kisah 10 tahun dahulu masih terasa sampai hari ini)

https://newswav.com/article/house-renovation-daughters-weddings-retired-m-sian-man-finishes-his-rm750k-A2406_hllxT2?utm_source=Tiktok

01/07/2024

Small holdings yang dikatakan beli dari open market, memang ya we cannot control.

Tetapi bila negotiation sampai 30%, do we still have control ?

01/07/2024

Boleh terima ke jawapan sebegini ?

KUALA LUMPUR, June 27 — Malaysia will face significant negative impacts if BlackRock Inc withdraws its investments from the country, Minister of Investment, Trade and Industry...

08/06/2024

Salam Zulhijjah,

Limited time only !
Accumulate our saham akhirat.
Lets do more good these 10 days.

07/06/2024

Nowadays banyak fake videos of celebrities promoting scheme pelik2..
Kita tengok the video pun nampak mulut & words not in sync. Poor quality.

So hati-hati.
Guna akal & logik.
Nasihat family kita esoecially our elders.

07/06/2024

Kat mana silap ?
Maybe tak buat due diligence & homework untuk selidik latar belakang pelaburan - sah atau tidak sah.

Pedih ulu hati baca..
“…wanita berkenaan melaporkan melihat iklan pelaburan di laman Facebook berkenaan pelaburan saham pada pertengahan Mac lalu.

"Selepas melihat peningkatan peratusan keuntungan yang diperoleh dalam pelaburan berkenaan, mangsa tertarik seterusnya membuka akaun dengan FDI Hub dan membuat 42 transaksi berjumlah keseluruhan RM 4,749,214.

"Setelah keuntungan mencapai sebanyak RM11.3 juta, pengadu mahu membuat pengeluaran wang daripada sistem terbabit namun mendapati tiada sebarang kemasukan wang ke akaun bank miliknya," katanya dalam kenyataan hari ini.

https://www.hmetro.com.my/utama/2024/06/1097937/hilang-rm4-juta-sekelip-mata

05/06/2024

Kos besarkan anak di Malaysia from
Imur 0-18 dianggarkan RM400,000.

Rata2 global trend, couples are having lesser children. On average 2 anak per c”family. Maybe sebab cost yang mahal ? Maybe sebab parents perlu balance career & family ? Many more reasons.

Di Malaysia, Trengganu, Kelantan, Pahang most productive at above 2 anak per family.

05/06/2024

Let’s start the ascend !

FBMKLCI (largest 30 saham syarikat terbesar di Malaysia)

Reach high of 1629 @ 23 May 2024
(Last seen @ March 2021)

Sebab apa momentum @ rebound ?
Maybe better 2nd half ?

1/ Foreign funds inflow still low.. encouraging fdi flow (sectors @ rally - prop, tech, construction, healthcare)
2/ Institutional buying vis-a-vis retailers selling
3/ healthy correction (kebiasaannya mesti ada sikit turun untuk naik lebih tinggi)
4/ positive market sentiment - stable government (rakyat dah “terbiasa”), manufacturing data improving dsb
5/ continue upward trend due to undemanding (tak mahal) valuation of 16x PE vs historical 17.3 pe
6/ growing corporate earnings

Backdrop klci : All time high @ 1900 points Apr 2018