menafkahi keperluan?

asas dasar kapitalis ialah mencipta keperluan.. dan asas dasar ekonomi ialah semakin byk keperluan manusia, maka semakin byk peluang perniagaan terbuka, semakin besar pulalah keuntungan kepada peniaga..disambut pula pendapat pakar ekonomi, bahawa pembangunan...

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Koperasi HPA umum dividen 14%

"Dividen empat peratus lebih tinggiberbanding tahun modal saham berakhir 30 Jun 2007" Pengumuman ketika Mesyuarat Agung Perwakilan Tahunan Kali ke-3 pada 20 Jun lalu di Hotel De Palma Ampang, Selangor. Dipetik dari DuniaHerbaHPA.com[origin : Am I wrong?...

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What is your net worth position?

below are the median net worth of American family by group..based on 2004 statistic by Federal Reservedbut still interesting to be use as a benchmark..are you in right tra...

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How to calculate net worth?

net worth = income - liabilitiesstep 1: list all your assetsexample:cash : in-hand and bank accountshares : including asb and unit-trust navretirement account : epf and suchtakaful : current cash valuereal estate : current value of house, land and buildingpersonal property : car, antiques, jewelry, etc.step 2: list all your liabilitiesexample:bank...

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How to do financial assessment?

prepare financial statement before going planning..cashflow statementcurrent cashflow accoutingwhich show financial health and habitnet worth statementbalance sheet of asset vs liabilitieswhich show financial position...

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How sahabah makes their wealth?

this is only several example..Umar Al-Khattab ra• inherited 70.000 properties (farm) value at 160 million dinarUtsman ‘Affan ra• cash = 151,000 dinar + 1,000 dirham• inherited properties along Aris dan Khaibar• water supplies worth 200,000 dinarZubair Awwam ra• cash = 50,000 dinar• 1,000 horses for jihad• 1,000 slavesAmr Al-Ash ra• cash = 300,000 dinarAbdurrahman...

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Estate Planning example: man with 2 wives scenario

the scenario:the mother still alive and the father has passed away.first wife, with 1 son and 1 daughter.second wife, with 1 daughter.the estate:first house : RM 350,000second house : RM 250,000takaful : RM 200,000epf : RM 145,000shares : RM 55,000total...

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Why we need to save?

the basic of economy planning in Quran..The King of Egypt had a dream that Allah the Exalted made a reason for Yusuf's release from prison, with his honor and reputation preserved. When the king had this dream, he was astonished and fearful and sought...

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Where should i save my money?

savings must have a balance of three elements:1) accessibility so that we can easily get it when we need to use it.2) security the peace of knowing we wouldn't lose it.3) growth at least not to be depreciated by inflation.sealed the savings target with...

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How to do estate settlement?

* wisoyah is an Islamic will document.** in the current practice, the gross value higher than RM 600,000 will be transfer to High Court. however, the law has been passed to increase the value to RM 2 million but not yet endorsed by the governme...

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What happen when we die?

we are not planning to die.we don't do death planning.but we are expecting all the unexpected.because we don't want to inherit the fitna to our hei...

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Which investment suits me?

decision is a process.each investment tool represent your wealth positioning.the higher it goes mean the return is also higher.higher return also mean higher risk.know your risk level mean..understanding how much you can afford to lo...

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What is zakat / tax planning?

first step of the planning is..to understand all the element that can be used for planning.knowledge is a refining informati...

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What is the difference between takaful and insurance?

in the 80s, theres already a fatwa haram on insurance which initiate the Takaful Act 1984. the haram status based on element of gharar (uncertainty), gambling and riba (usury), which has been identify in conventional insurance practice. in addition...

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Why we need takaful?

in order to protect ourself from risk,we need to understand what is our risk?so, is it true that takaful only good when we d...

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How much should we spend?

above illustration is the ideal income distribution. its not a must-follow and only to be use as a benchmark to understand our income vs expenses distribution. different people may have their own budget depending on their own need and target.budget planning...

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What is Financial Planning?

Element of Financial Planning:# Cashflow management : analysing expenses and budget planning# Debt management : re-evaluating existing debt# Takaful/Risk management : understanding the need for protection# Investment planning : the art of accumulating...

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awal bismillah

In the name of Allah swt,the Most Beneficient,the Most Merciful.All praise belongs to Allah swt.Salawah and peace be upon the prophet Muhammad saw,and his family.Amma ba'du..May peace be upon y...

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