Last Day In September

Today is Monday. Last night, l had dinner with my family at The Johnny's Restaurant which specialized in steamboat cooking and other normal dinner. So much crowds and i have to wait for almost 3 minutes to be served. If i have business like this, for sure i will laughing all the way to bank every months. Food business is a good business in Malaysia but you food must be very delicious, tasty with fast and good services.  That the key to success in business.

Today is last day in September and we have 3 more months to conclude this year  2013. So far what are we achieved in reaching our goal. For me, i already fulfilled and some in the process to achieve my goal.

1. To clear house loan - achieved
2. To finish car loan - in the process
3. To clear all the credit card debts - in the process
4. To limit my budget - in the process
5. To  terminate P1 broadband - done
6. To terminate - Astro (Not yet)

Actually not many i achieved so far. But can be done slowly. When we create the goals, we have to try and struggle to achieve that. Sometimes, it is not easy. Plan easy but to make a plan as a success is NOT that easy.

Saturday....still working

Today, as usual I'm working from morning till 6pm. My plan is to work only from Mon till Friday only in the future. Less work means less income. More work more income from
overtime.  That the problem when we not saving from younger day. Now we have to work for money and not the money works for us.

Tonight I will go shopping. So another spending..haha..what to do we have to buy foods for living. Lucky we have hypermarket that can sell cheaper goods. So let's go for shopping
.

Finally P1 terminated.

Finally, I can save some fund from P1 subscribing monthly fee. I planned for so long but today only I can make it. Great achievement !! Haha. It is not easy to find time to go to Jalan Templer PJ to make the termination.  But Friday is always my free day. But today is a bit easy going for me.

I have subscribed to P1 broadband for almost 3 years. So far the experience using p1 as mentioned below. I use package 149 per month with 30GB with speed max 4 megabytes per second. Also come with portable USB modem.

1. Speed . - B
2. Service - B
3. Price - B
4. Easy to use : B+

Overall ok but Unifi much better in term of speed and no limit. Also can watch TV.  Free phone call to any TM line. That the reason I want to cut off  P1.  I have subscribed to Unifi since March this year. If I'm not mistaken. So the  P1 I plan to cut from March but waiting waiting till today.  Haha.. Normal people..not serious..

Next in the plan is to cut off Astro Beyond. Suck our money every month with the programme that we can watch free from internet. Further more with busy working and no time to watch, it's better only use computer or just watch from Unifi TV programme. From there I can save about 90 ringgit per month. One year almost RM 1000 can save.  I have another Astro but basic package and I  keep it in kitchen. 

Our market today, I don't know because I don't see today... Maybe I look into it next week. Rest first. 

EPF House Loan withdrawal approved

My house loan has been cleared by EPF with my own money. So my saving in EPF now down 100k. I have to use the available balance allocated forhouse loan can be used for investment. I plan to buy a quality and good stock for long term investment. No more buying speculative or junk stock like what i did last time. So i can sleep well and no need to monitor stock everyday.

The other option stock is dividen stock. So i have to seach and make some study which is the best.

Gold also a good investment. Maybe buying gold saving account. lets study first before buying because the gold price is related with USD. For easy to understand, if the gold price Increase but USD VS MYR lower then the selling price to bank still low. The other thing to look for is the spread between selling and buying roughly aboud RM 6 pergram.

Missed deadline for car loan !

This is what happen when your monthly commitment is more than your income. Furthermore, extra money from OT hasn't been remitted yet. So I have to get the money from other source to cover from this  shortage. Borrow from my family...very unlikely. So borrow again from bank... Haha. That the main cause for deeper hole. You dig there to cover the hole here..


Managing money is not easy as what we see because we don't know the future. Sometimes, our car breakdown, some time electricity got problem and have to fit it. Minor repair, we can DIY. If big we have to call technician. So much money involve.

So far I have to services  2 car loans. One for myself and the other one for my wife. Haha....that's the  Problem. The cost about RM 2600 already. Electricity and water bill about RM 200 to 300. Credit card is the most one RM8000. House loan about RM 1200. Lucky buy cheap and small house. If the cost price more than 300k maybe I have to pay RM 3 k per month.

Other thing is buying thing under 0% installment.. Under credit card but I count as separate thing.


Overall I need RM15k per month if I want so settle all within one to two years. Then become free from debts. Financial free!!!!!

Gold from USD1300 to 1370

There is a lot of opportunity to make money in this world if you have money. Because money will make more money if you know how to grow it. Lets see the gold price yesterday, the price increased from 1300 to 1370 in just one day. So imagine how much profit if we invest in this commodity.. What a miss???

Withdraw EPF Account 2 to settle house loan.

My plan to clear my house loan has been done last week at EPF office and just waiting for approval. So I can release some my cash commitment every month fir about RM 1200. Maybe can approve by another 1 month. Apart from that, the extra money can be used to settle credit card.

My next plan is to terminate my P1 wimax and astro under my wife name. So, I can save about *RM 230 permonth. I have planned so long ago but still I cannot terminate it.

Share market is still in bullish mode and not I expected..The war in Syria is no more an issue at this moment. So the market less worry about uncertainty. The gold market has more bearish with the price slowly down toward USD1300. The price look is very attractive to keep some some gold for long term investment.

Operation day

Today is my daughter operation day to repair her gum problem. She just 8 year old and she so scared to face this op. I have to take one day off to be with her. Sometimes, our child too much pampered and everything they want just by crying only.. So as parents we have to be patient.

I have plan so many thing today
1. To make balance transfer
2. To clean my room
3. To pay some outstanding credit card
4. To cut my hair
Etc.......


I hope i can do all.  Djia closed with significant number last night and i expected our market will follow to close in positive. What stock to invest now??? Im not very clear.. Maybe certain stock only moving.

Market will be correction again

The news is USA still considering to attack Syria with his partners.  When the strike will begin, i dont know. So the market will react with  selling the stock and buying other instruments. last night, Djia was open very positive but closed lower due to worry of possible strike i n Syria. 

During this period the best stock to buy is penny stock due to speculative in nature and easy to manipulate by the shark. Fundamental stock is the best stock to accumulate when s pushing lower and wait for recovery