Kerjaya Perunding Unit Amanah Public Mutual

  • Home
    • Percuma Panduan Asas Unit Amanah
    • Percuma Panduan Asas Perunding Unit Amanah
    • Agent Public Mutual Negeri Johor
    • Skim Persaraan Swasta (Private Retirement Scheme)
    • Ceramah Kewangan dan Pelaburan Bijak
    • Agent Unit Trust Consultant
    • About My Self
  • Pendidikan
    • Kebaikan Unit Amanah
    • Perancangan Kewangan
    • Pelaburan Berasaskan Syariah
    • Cara Buat Pelaburan Unit Amanah
    • Fee Unit Amanah
    • Kenali Skim Cepat Kaya
    • Apa Dia Inflasi
    • Sejarah Unit Amanah
    • Panduan Simpan Untuk Persaraan
  • Blog
    • Economy News and Tips
    • Cute Exam Unit Amanah
    • Skim Pelaburan Kwsp
    • Ingin Buat Pelaburan Unit Amanah
    • Kerjaya Perunding Unit Amanah
  • Testimoni Agen
    • Testimonial JPlatinum Agency Unit Amanah
    • Sembang-Sembang Agen Unit Amanah
    • Nak Jadi Agen Unit Amanah
  • My Agency
    • Agency Members Access
    • Agency Members
    • Group Aktiviti
    • Agency Supports
    • Business Opportunity Preview - Unit Amanah
    • Join To Be Agent
  • Ask Me
    • Soal Jawab Pelaburan Unit Amanah
    • Soal Jawab Kerjaya Perunding Unit Amanah
  • Jom Jadi Agent Public Mutual
  • Contact Us
    • Hubungi Agen Unit Trust Kami
 
Cara Nak Jadi Agen Unit Amanah Public Mutual

10 Langkah Kejayaan Perancangan kewangan

3/3/2012

0 Comments

 
Picture

















You don't have to make a fortune to create one. With smart financial planning and investing you can save a modest amount month after month, and end up with enough money to retire comfortably in 30 years or less. Here are the 10 steps to financial success:

1. Don't spend money you don't have.

The number one mistake people make is spending money they don't have. If you're borrowing money you're going to have to pay interest on it. Not only does that interest take more of your hard earned money, but it's money you've earned that you're unable to invest for your future. Would you prefer to pay interest to your credit card company, or have it multiply for your retirement? You can still buy things you need, but wait until you have the money rather than putting it on a credit card or getting a loan. Home mortgages and business investments can be exceptions to this rule as these are appreciating assets, growing in value over time.

2. Get insurance to prevent financial collapse due to medical emergencies or disasters.

Bad stuff happens. Medical emergencies and natural disasters can lead to absolute financial collapse. Get quality health, auto, and home insurance to prevent catastrophic losses should you find yourself in such an emergency. If you can't afford quality insurance, you should consider renting rather than buying and using alternative means of transport.

3. Create an emergency fund.

Save enough money to pay all your bills for 6 months, and keep that money available as cash in the bank. If you lose your job or find yourself with a large unforeseen expense you don't want to go into debt or withdraw money from your investments. Some people may feel comfortable with a 3 month emergency fund and others with 3 years, depending on your work and family situation.

4. Maximize your earnings.

This is a big one, and something you have more control of than you may think. Put 110% into everything you do, and always be on the lookout for opportunities that will increase your income. Everyone can move up the financial ladder, even if you're starting at the bottom rung. A dish washer at McDonald's with little education can move up to grilling burgers, cashier, store manager, and more. Don't sell yourself short!

5. If you have bad debt, pay it off as quickly as possible.

Bad debt is the cause of most financial problems. The astronomical interest rates charged by credit card companies, payday loans, and the like will keep you a debt slave forever if you allow them to. If you have bad debt, pay it off as quickly as possible. You may need to consolidate your debts into a single lower interest loan or use an accelerated payoff method. Be very careful not to get taken advantage of by so called debt management companies. See our section on debt management for more information.

6. Only use credit cards if you can pay them off at the end of each month.

Credit card debt is some of the worst kind due to the incredibly high interest rates and fees. Do not buy anything on your credit card if you're not going to pay it off in the same month, period. If you already have credit card debt, paying it off as quickly as possible should be your top priority. See our section on credit cards for more information.

7. Create goals and a financial plan to achieve them.

This is a simple but important step that most people neglect. You need to know what you want in order to get it. Think about where you want to be in the future and what it will take to get there, and make a financial plan. Write it down on paper, and stick to it.

8. Save a set percentage of every paycheck for investing.

Part of planning to achieve your financial goals will involve saving money. Plan on putting a set percentage of every check into savings, and never deviate from the plan. A small amount of money can become a serious fortune over time, but the key is to start early and save as much as you can. If your income increases you should strongly consider increasing the percentage of money you save from each paycheck.

9. Invest in a diverse portfolio for the long term, and minimize fees.

The key to smart investing is diversity and a long term outlook. To minimize your risks and maximize your gains, you should invest in a diverse portfolio including stocks, commodities, real estate, emerging markets, and CDs. You don't want all your eggs in one basket. You also shouldn't attempt to time the market. Invest wisely and start early. See our section on investing for much more information.

10. Enjoy yourself.

While money will provide safety and security, and you definitely need a minimum amount to be happy, money itself doesn't make you happy. When you create your financial goals remember that you only live once. You never know when your time is up, so enjoy yourself while you know you can!
This is your new blog post. Click here and start typing, or drag in elements from the top bar.
Percuma Panduan Agen Unit Amanah Public Mutual
0 Comments



Leave a Reply.

    Subscribe
    Picture
    Picture


    Disclaimer

    PicturePERCUMA Panduan Agen Unit Amanah

    Picture
    PERCUMA Panduan Unit Amanah
    Semua kandungan dalam blog ini tiada kaitan dengan mana-mana pihak.  Ia hanya berdasarkan pengalaman dan pengetahuan penulis sahaja.  Kandungan tidak dijamin tepat.  Pihak penulis tidak bertanggungjawab ke atas sebarang komen yang dibuat oleh pembaca lain.



    Other Links

    Testimoni Agen
    Ingin Jadi Agen Unit Amanah
    Ingin Melabur U. Amanah!
    Percuma Panduan Pelaburan

    Percuma Panduan Perunding Unit Amanah
    My Agency Profile
    Blog Sembang2 Agen Unit Amanah
    Tanya Saya
    Hubungi Saya !



    RSS Feed

Follow uson Google+
Home
Ingin Jadi Perunding Unit Amanah

Ingin Melabur Unit Amanah
Percuma Panduan Perunding Unit Amanah
Percuma Panduan Pelaburan Unit Amanah
Testimoni Agen Unit Amanah
Skim Persaraan Swasta (PRS)

Terus Hubungi JPlatinum Agency (Top 10 Agency in Pub.Mutual)

Tanya Soalan terus Agen Public Mutual;



Picture

Nak Jadi Agen Pub Mutual? Click Ebook..

Picture
Minat Nak Melabur Atau Jadi Agen ? Isi Form..
Hantar

PUBLIC MUTUAL SHAH ALAM

Disclaimer/Penafian

Laman web/blog ini bukan laman web/blog mengenai pelaburan tetapi lebih kepada perkongsian kerjaya sebagai Perunding Unit Amanah. Semua maklumat, data, image dan informasi dalam web ini tiada hubung kait dengan mana-mana organisasi. Ia merupakan satu perkongsian Penulis kepada pembaca tentang pengalaman dan pengetahuan Penulis sepanjang berkecimpung dalam kerjaya Perunding Unit Amanah. Pembaca dinasihatkan mendapatkan maklumat berkaitan dengan pihak-pihak tertenu sebelum membuat sebarang keputusan. Penulis juga tidak bertanggungjawab atau menjamin di atas kemungkinan ketidaktepatan info yang ditulis.  Apa yang tercatat bukan satu nasihat untuk anda melabur, membeli atau menjual saham amanah anda.  Disclaimer ini terpakai untuk semua kanduangan dalam semua page dan blog web site ini.  Laman web ini (unitamanah.net) tidak bertanggungjawap di atas semua komen dan pandangan pembaca.