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Originally posted by mder at 16-11-2008 01:14 PM 
nak apply ptptn ni, berapa minimum gaji yg layak nak apply.......kalau gaji 20K, layak apply lagi ker?
for me, memang dah start saving from day 1..... rasa agak perit, tapi redho jer la....... ...
ko nieee ...ptptn tu bukan ke pinjaman, maksudnye ko kena bayar balik kalo dah pinjam
be it lah gaji ko 40k sebulan pun....buat malu ekkk, gaji byk masih buat loan utk anak2 belajar...hihihihi
aku duk pikir, kalo anak masuk local u...IPTA or IPTS, kita org tak ambik mana2 loan kot tapi kalo uni kat luar....ambiklah kalo masih tak mampu...
pasal sholarship nie...cam pengiktirafan gak kelayakkan anak2 kita....kalo dapat bagus itupun kalo suit the course u apply cam kata kak arasham tapi PERINGATAN gaklah for us....duit kena ada kalo anak2 nak lepaskan diri dia nanti....boleh bayar balik apa yg dia dah guna....
maklumlah kekadang belajar bagai nak rak, kena jaga plant...jenuhh unless if the kids fit the boots |
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Originally posted by AmMiNafeesa at 15-11-2008 07:42 PM
kalau gini gayanya..harus terima kalau di sponsor...
tak pun pilih local U saje!!
no offence ya amni....
i pun baru dpt tahu my adik punya loan dlm rm76k utk 3 thn kat IPTS dlm negara...
kalo IPTA murahlah kot sket....nanti i carik info pasal yuran nie dlm public mutual punya website, bagi gambaran pd kita semua.... |
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adik ipar aku ...... dah duduk USM satu semester.......scholar JPA tapi tak minat ngan coz yg dia amik......so my in-law gamble bagi dia masuk IPTS buat pharmacy......fees sajer 100K.... FIL pencen inspector kesihatan, MIL baru jer nak pencen staff nurse..........so bayar sendiri.......my wife pun tolong chip in.....nasib baik masa 2nd yr baru dapat loan mara......tu pun dia cover 75K jer.......for the remaining 3 yrs.......
i told my wife......my MIL berani sebab kalau terdesak sangat, she will gamble duit gratuity masa pencen........ things, that parent willing to do...... |
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Originally posted by my-alja at 16-11-2008 07:00 PM
ko nieee ...ptptn tu bukan ke pinjaman, maksudnye ko kena bayar balik kalo dah pinjam
be it lah gaji ko 40k sebulan pun....buat malu ekkk, gaji byk masih buat loan utk anak2 belajar...hihi ...
pinjam pun ok aper....esok anak aku yg nak kena bayaq balik...... |
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bab ni gorg nak kongsi cerita lama...
ni kisah classmate... cikgu bagi borng duit zkat utk byr yuran spm
esoknya dia bawa semula borang kosong...
katanya -- ayah tak mau isi...sbb kita tak layak utk terima zakat...
--------------------------------------
klu laaa2 semua ayah ibu mcm ni...
byk la peluang utk org2 yg kurang mampu....
ni tak...
yg kaya makin kaya...
yg miskin makin miskin |
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Originally posted by mder at 16-11-2008 10:07 PM
pinjam pun ok aper....esok anak aku yg nak kena bayaq balik......
sian kat anak.....tak ke?
dah laa baru habis belajar...dah nak bayar hutang
for me ...tu tanggungan kami sebagai parents lah kot |
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Originally posted by my-alja at 16-11-2008 07:02 PM
no offence ya amni....
i pun baru dpt tahu my adik punya loan dlm rm76k utk 3 thn kat IPTS dlm negara...
kalo IPTA murahlah kot sket....nanti i carik info pasal yuran nie dlm public mu ...
waaa....sebanyak tu untuk IPTS...
kenapalah ku tak pernah terbayang IPTS untuk anak anakku..sebab tu tanya 40k tu cukup ker??
hhh....kalau gitu amountnya....harus!! |
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Reply #1 my-alja's post
to me, if my sons dapat opportunity to sambung belajar at top universities, with scholarships obtained on their OWN academic MERIT, why not?
kalau layak dapat scholarship tuh, tak kira lah anak saper... children should be encouraged to compete for the best anyways, so why nak take away their personal sense of achievement kalau dorang betul2 berhak to get the scholarship?
itu pendapat aku jer... based on experience aku, ramai anak tan sri2, datuk2 yang sama batch dengan aku layak dapat scholarship yang dorang terima to study abroad based on pencapaian akademik dorang... |
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Reply #49 kikilalat's post
i pun ada fikir benda yg sama kiki...thanks for ur insight
tapi kalo dah guna scholarship, hendaknya budak tu serve balik apa yg patut laaa....yg i jumpa nie, syok2 saja lari keje dgn co. mak/pak sendiri tanpa segan silu....
if those people plan to provide a job for their kids in the future why using our money as tax payer....dun u think so?... |
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Originally posted by AmMiNafeesa at 17-11-2008 10:48 AM
waaa....sebanyak tu untuk IPTS...
kenapalah ku tak pernah terbayang IPTS untuk anak anakku..sebab tu tanya 40k tu cukup ker??
hhh....kalau gitu amountnya....harus!!
ye amni...antara benda yg i nak suruh mak/ayah dlm nie fikir
memang btul kita ambik insurans pendidikan kat anak2...
tapi munasabah tak dgn belanja pendidikan mereka nanti...
ambik calculator, cuba congak2 balik...katalah kita simpan rm100 sebulan dr anak umur 2 hari
cukup tak dgn angan2 kita nanti...
cam SSPN tu utk org pendapatan rendah, memang kena buat....demi anak2 |
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klu mampu pakai duit sendiri..buat apa nak sponsor sponsor..pakai kabel??tak yah lah..klu dah anak kita ditakdirkan tuhan tak pandai takat tu jewk tak yah nak kabel kabel.masuk u memana pun lum tentu boleh lulus last last bungkus...from my observation |
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my chines fren buat loan utk adik dia yg further study kat local u. dia kata dia nak ajar adik dia responsibility to pay loan bila dah habis belajar. now ni dia serve interest je until adik dia finish the course. and she's hoping adik dia boleh dapat scholarship bila further masters nanti..dulu dia cam tu gak, mak dia buat bank loan masa dia further kat UK. now dia slowly bayar and nak habis pun. tapi dia tak complen cara mak dia sbb dia sedar mak dia tak mampu nak bayar cash..kdg kdg kita kena ajar children to be responsible jgn ingat nak senang and duit tu turun dari langit.. |
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Originally posted by my-alja at 14-11-2008 09:16 PM 
ironik yeekk aji kalo kaum bapak claimed gaji dia besar sampai mampu berbini 2....
kalo setakat makan gajilah....
anak 3 org, kalo edu. insurans rm300 sorang...pluss another saving, h ...
if u read magazine Personal Money..parents other races simpan duit RM500 to RM1000 for child education..suprising kan??and not for all child but each child..klu lah kita boleh buat camtu..i salute them.. |
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Originally posted by iddine at 17-11-2008 11:33 AM
if u read magazine Personal Money..parents other races simpan duit RM500 to RM1000 for child education..suprising kan??and not for all child but each child..klu lah kita boleh buat camtu..i s ...
tu lah pasal idd.....
i kekadang sembang dgn mak2 yg kata dia simpan edu.insurans....bagusslah drp takde lansung
tapi amount tu logik tak....
i ada sorang kawan untie cina nie....dia keje masa muda2 dan beli rumah 3bijik utk setiap anak, masa anak tu nak gi US sambung belajar dia jual sebijik demi sebijik....i kagum tgk semangat dia dan kita pun tak terkilan kalo anak tu tak balik sini utk bekerja...fair enuf laa |
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Originally posted by my-alja at 14-11-2008 10:57 AM 
sebab keciklah kena fikir....
ramai kawan2 hubby fikir bila anak dah lepas UPSR...masa nie cam kena gantung diri dahh, tak sempat buat saving apa2 kalo nak berdikit-dikit cam i...
lain ...
hehehehe...bukan la tak fikir langsung...cuma la ni langkah pertama buka akaun SSPN utk anak2 ...
ntah laa...kalau mampu maybe biaya sendiri kot...senang sikit supaya tak susah anak2 nak bayar balik duit biasiswa |
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Originally posted by iddine at 17-11-2008 11:30 AM
my chines fren buat loan utk adik dia yg further study kat local u. dia kata dia nak ajar adik dia responsibility to pay loan bila dah habis belajar. now ni dia serve interest je until adik dia f ...
i kalo mampu kann idd...i akan sponsor setakat anak2 belajar sampai degree sajalah...pas tu pepandailah dia buat loan nak further master ke....
kalo nak suruh anak2 bayar sendiri loan pendidikan dia, cam kesian plak unless kita bebetul tak mampu cam mak/ayah i dedulu.....sebab for me, bila kita nak ada anak...benda tu semua dah masuk dlm perkiraan mampu atau tidak...
cuma kalo depa nak kahwin tu...tak tahu lagi nak taja atau takk? |
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Originally posted by singgahjer at 17-11-2008 11:49 AM
hehehehe...bukan la tak fikir langsung...cuma la ni langkah pertama buka akaun SSPN utk anak2 ...
ntah laa...kalau mampu maybe biaya sendiri kot...senang sikit supaya tak susah anak2 nak bay ...
kalo namanya loan...tetap akan dibayarkan, takde beza sgt pun i rasa...asalkan berbayar |
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Originally posted by iddine at 17-11-2008 11:33 AM
if u read magazine Personal Money..parents other races simpan duit RM500 to RM1000 for child education..suprising kan??and not for all child but each child..klu lah kita boleh buat camtu..i s ...
if u save on average RM500, conservative ( based on simpan on tabung haji/insurance) ....your kid can have roughly around RM150K...............memang perit, especially kalau anak 2-3 orang......... tapi as parent kena usaha jugak......kalau tak cukup gak.......terpaksa la amik loan...... |
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Author
Post time 16-11-2008 09:57 PM
), Adik2 aku semua atas loan- dah kerja diorg dok bayo ler..Abang aku pakai duit sendiri...
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