Roti canai di sini boleh tahan juga
Setelah semua urusan negara dibereskan, saya pun pandu kereta ke RHB Bank di Jitra untuk mengemaskini buku ASB. Sebenarnya, saya sudah pun buat anggaran dividen/bonus yang akan diterima sebaik saja pengumuman dibuat pada pertengahan Disember 2011. Kebiasaannya, lari +/- RM2-3K saja. Memang betul pun, angka saya kurang RM2K saja. Boleh tahan juga pengiraan mejar pencen ni. He...He...He.
Serius sikit. Sepertimana yang saya coretkan di bawah label 'Financial Management', saya sungguh sedih apabila membaca kepahitan kehidupan yang terpaksa dilalui oleh segelintir veteran ATM. Saya pasti ramai para pembaca yang dah cemuih membaca tentang perancangan kewangan. Tapi saya tak kisah. Malah, untuk makluman, saya telah menulis surat kepada bos PNB menawarkan diri saya untuk memberi ceramah kepada para warga ATM ketika mereka (PNB) membuat kempen di kalangan tentera. Pada pandangan saya, ramai lagi warga tentera akan melabur sekiranya mereka di'sedar'kan oleh seseorang yang bercakap dalam 'lingo' mereka. Mudahkan cerita...saya ni dijadikan sebagai 'role model'. Syukur alhamdulillah, sehingga kini walaupun pesara sepenuh masa, saya tiada sebarang hutang....tiada hutang rumah, kereta, kad kredit, dll. Hidup tanpa hutang....gambarkanlah sendiri!! Semuanya kerana saya telah merancang dengan melabur apabila ASB mula dilancarkan pada 1990 lagi. (Klik untuk membaca). Seperti yang sudah dijangka, pengesahan penerimaan surat tersebut pun tiada!!!Kepada mereka yang berminat, sekali lagi saya turunkan peluang yang menanti di luar sana....
Andainya anda meminjam RM100K selama 25 tahun, dividen/bonus ~8% dan buku di'ghaib'kan sepanjang tempuh itu.
25 tahun kemudian, apabila buku dikemaskinikan, jumlah yang tercetak adalah...
FV=RM10 0000(6.8485)=RM684850!!
Nota: Jumlah ini setelah sijil RM100K yang dipegang oleh bank sebagai cagaran, ditukar dalam bentuk buku setelah semua pembayaran dijelaskan.
Anda hanya membayar - RM588x12x25tahun=RM176400!!
Tapi mesti diingati....Sesiapa pun tidak boleh meramal apa akan jadi di masa hadapan. Kita dikehendaki untuk merancang dan berusaha. Selepas itu berserahlah kepadaNya untuk menentukan. Wallahualam.
3 ulasan:
Salam Tn Mejar Nor,
A very good deed and a sensible thoughtful suggestion - a gentle reminder to your comrades. No harm in doing so Tn Mejar Nor ibrahim.
Well, one of the hardest things to do when we have some excess liquidity, is not to spend it. The trap is easy: after breaking our back working, committing time and sacrificing many things, it is just logical to wish to indulge ourselves by travelling, eating in restaurants, buying clothes or doing whatever it is we like. Thinking of saving may be seen as somehow sacrificing that prize that we earned after having to endure so much in the race. It is really tough. But spending is one of the traps of money: it enslaves people and makes them dependent for life on a salary and the will of a boss. Because, of course, expenses need to be paid, and to pay them we need to work. And when those expenses turn into debt, we have to do whatever is required so that our source of income may allow we remain afloat, whatever the cost.
This is how dependence on a salary is generated, which forces us to work, most of the times in something we do not like. Along with this comes frustration, conformity and, eventually, mediocrity. There comes the time when we are not happy in our job, we feel we are wasting our life, but how to leave the source of income that allows us to cover all the expenses we have to pay? Life gets into a vicious circle that eventually leads us to lose self respect. It takes conviction to invest rather than to spend. It requires us to have it clear that we invest to avoid such bondage because, although investing is more than anything an effort, or waiving a prize, in the end it has a more lasting goal: financial independence. Investing is what makes the difference between those who own their lives and those who become slaves of their salary.
Again, this is not about choosing the shortest or the easiest way, Both paths require a great deal of effort and sacrifice. But only one of them allows us to get somewhere. It is up to us to take that road and start to harvest fruits, or keep on struggling without getting anywhere, because of the vain illusion offered by spending. A solid financial education allows us to enjoy that time a lot more freely. And it is important to understand that the biggest part of being financially educated is not only to have a better lifestyle, but to be responsible and human enough to reach out to others who are struggling and share our knowledge. So Tn Mejar Nor Ibrahim, you actually did what you have to do and its true perhaps about the ‘lingo’ of and to your comrades for their future betterment. In the hope, insyaallah, they’ll listen…and start investing…not later but now...
p/s Every day that passes is time that we can't get back; and when investing over the long haul, time is our greatest ally. Educate ourselves, develop a plan and implement it not only for ourselves, but also for our family's future financial security. Well, as the old saying goes, better late than never. Btw; unless we were born with a silver spoon in our mouth, we absolutely need to begin investing to protect ourselves and our family in our retirement years. The proof was before our very eyes (refer the data given by Tn Nor Ibrahim) : long-term investing for retirement works very well, and it needn't be ultra-risky to provide good returns.
*** almost every country is on a flat currency and when gold and silver readjust it’s going to blow people’s minds!!
***my heartfelt apologies Tn Mejar Nor Ibrahim for this long comments cum entry. It’s my fingers-typing diarrhoea…;-D...at times!!!
Nur-emynda 12,
An excellent and very informative write up of not only how to manage our saving but about the temptation to enjoy it while we can. As they say you cannot take it with you. If not now, then when! It goes on to give the readers almost a lesson on life. Being a bit slow I had to read it a couple of times to get the full gist of it and have taken the liberty to print it out and keep it amongst my best reads.
Thank you Nur
Saudari nur_emyinda12,
Thank you for your comments. Nothing to apologise about. My view is that the first priority is to allocate a certain amount as savings. Then settle the liabilities. Only after that, by all means, pamper/enjoy yourself.
I received an e-mail from a young lady (30+). Excerpt '...After reading your blog, I'm very tempted to try the RM100K loan... (greedy!! hahaha..).' At this age, she stays in her own bungalow (outside Klang Valley), ASB >RM60K & not 'born with a silver spoon' in her mouth. By the time she retires, her ASB alone would be >RM1 million, Insya-Allah. I salute you, young lady, well done.
How appropriate this adage '...BUKAN SUSAH NAK JADI SUSAH, BUKAN SENANG NAK JADI SENANG'.
Saudara Gengis Khan,
Thank you.
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