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Author: green~tea

Persiapan utk Retirement

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 Author| Post time 17-7-2020 01:19 AM From the mobile phone | Show all posts
NurAlia14 replied at 17-7-2020 12:03 AM
My plan for retirement is duit sewa rumah, duit epf, duit pencen, divident asb th etc..hopefully cuk ...

nnti bulan 10 ni utk buleh riki2 mana hartanah yy strategic yang jatuh tergolek golek ya.. make full use of the opportunity thats coming.... be careful with property investment coz u might get urself into 20-30 yrs commitment..

My husband and i tengah selling our residential properties, skang mmg tinggal satu rumah kasi sewa, satu rumah kitorg duduk... both of us have sold 5 residential properties for the past few years... simply because kitorg dah menyampah nak manage tenant perangai macam2....

Seriously, managing residential properties mmg menguji kesabaran, memakan masa.. and u always kena ada plumbing, or tukang rumah utk fix or repair any kerosakan...

One tips i can give u is.. never ever cari rumah yang kasi sewa below rm900.... because usually mereka yang sewa rumah murah2 ni usually mindset PPRT ya... rosak rumah sewa u nnti
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Post time 17-7-2020 06:00 AM From the mobile phone | Show all posts
green~tea replied at 16-7-2020 10:51 AM
back in 2013, when i'm starting to have stable fund, i invested my savings, bonuses utk bina resort  ...

Ruginya jual.. kalo saya.. saya tak jual..
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Post time 17-7-2020 06:02 AM From the mobile phone | Show all posts
green~tea replied at 16-7-2020 11:46 AM
bagus buat plan tu.... persiapan apa u dah mulakan utk achieve tu?
1. beli tanah?
2. pergi kurs ...

Kursus semua tuu brp rm sis.. cmn tau kursus kuss ni.. satu lg ade tak kusus yg buat pesen baju baju cantik
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Post time 17-7-2020 07:59 AM From the mobile phone | Show all posts
green~tea replied at 17-7-2020 01:19 AM
nnti bulan 10 ni utk buleh riki2 mana hartanah yy strategic yang jatuh tergolek golek ya.. make fu ...

Rumah i beli murah je n i sewakn pn mur mur je sbb xnk kasi penyewa lari...sbb so far i dpt penyewa yg bagus rumah stkt ni xpnh rosak..ade 2 buah rumah sewa cukup la kot utk tampung retirement...bnyk2 sgt leceh jgk kn...sbnrnye utk semua bnde kte kne besederhana je kn...
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Post time 17-7-2020 08:02 AM From the mobile phone | Show all posts
And actually i suke berckp psl ni..sbb tgk org sekeliling i my uncle auntie even my grandma, xberingat masa muda..tau nk enjoy je...sudahnye umur dh 40 masih xde ape2 for retirement..umur 40 masih menyewa
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 Author| Post time 17-7-2020 08:24 AM From the mobile phone | Show all posts
Buritan replied at 17-7-2020 06:00 AM
Ruginya jual.. kalo saya.. saya tak jual..

Ada banyak sebab weols jual....

1. Properties weols beli tu dah lama... usia more than 10 yrs.. ada yang lebih 15 yrs.... so property dah lama ni makin byk maintenance fee nak kena fork out..

2. Dah cukup margin value rumah dah naik vs harga beli, and nak boost cash savings utk investment lain

3. Harga rumah makin menurun sekarang.. properties yang weols beli 2008-2011 and dpt jual awal2 2016-2018, margin byk... cth market value 2 apartment yang area sama yg beli rm130k tahun 2009, satu apt jual 2018 rm280k, lg satu jual tahun ni dah jatuh jadi rm205k... nasib baik PM umum RPGT free, ok lah, tahan laa sikit..  
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 Author| Post time 17-7-2020 08:26 AM From the mobile phone | Show all posts
Buritan replied at 17-7-2020 06:02 AM
Kursus semua tuu brp rm sis.. cmn tau kursus kuss ni.. satu lg ade tak kusus yg buat pesen baju ba ...

u kena mula2 register dekat FB agensi2 kerajaan.... situ diorg iklankan tsrikh kursus... biasa fee rm100-200 je kalo kursus perniagaan yg gomen anjurkan... try follow INSKEN FB.... i ada nampak kursus bisnes jahitan, dobi, spa, bengkel etc
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 Author| Post time 17-7-2020 08:29 AM From the mobile phone | Show all posts
Buritan replied at 17-7-2020 06:02 AM
Kursus semua tuu brp rm sis.. cmn tau kursus kuss ni.. satu lg ade tak kusus yg buat pesen baju ba ...

kursus jahitan and skill2 ni u kena berguru.. sbb utk maximize untung kan... cara potong kain... not only about design jahit cantik... sbb nak bisnes, u krna maximize margin untung...

Btw i sendiri tak pandai menjahit..
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 Author| Post time 17-7-2020 08:30 AM From the mobile phone | Show all posts
NurAlia14 replied at 17-7-2020 07:59 AM
Rumah i beli murah je n i sewakn pn mur mur je sbb xnk kasi penyewa lari...sbb so far i dpt penyew ...

kalo penyewa baik ok la u.. tp selama mana dia nak sewa rumah kita... and weols suka kasi sewa kat staff gomen, diorg byr on time hahaha
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 Author| Post time 17-7-2020 09:02 AM From the mobile phone | Show all posts
NurAlia14 replied at 17-7-2020 08:02 AM
And actually i suke berckp psl ni..sbb tgk org sekeliling i my uncle auntie even my grandma, xbering ...

I have auntie yg kaya raya masa muda.... masa retire she has 6 houses dalam city (5kids, satu rumah, satu anak dia budget, all takde hutang)... and dia mmg dpt lumpsum EPF millions...

Tp within 3 years, all her cash savings habis.... and then one by one dia tpaksa jual rumah2 tu..i wish thy managed their lump sum cash money better.. leverage kan.. ini ASB pun taknak masuk.... diorg tau pakai duit tu je  
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Post time 17-7-2020 09:44 AM From the mobile phone | Show all posts
green~tea replied at 17-7-2020 09:02 AM
I have auntie yg kaya raya masa muda.... masa retire she has 6 houses dalam city (5kids, satu ruma ...

Adakah salah satu sbbnye anak2 menghimpit duit beliau?
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 Author| Post time 17-7-2020 09:46 AM | Show all posts
NurAlia14 replied at 17-7-2020 09:44 AM
Adakah salah satu sbbnye anak2 menghimpit duit beliau?

failure to tone down lifestyle after retirement, health tak jaga, as well as a few anak2 dah jadi spoiled brats, almaklum theyols super kaya ye masa tu
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 Author| Post time 17-7-2020 09:48 AM | Show all posts
Buritan replied at 17-7-2020 06:00 AM
Ruginya jual.. kalo saya.. saya tak jual..

some properties... rugi simpan... we evaluate our portfolio as per their individual standalone econs la.... be alert dengan current issues, latest initiatives by government.. selalu2 laa jenguk brikz.my utk tengok transactions price of your surrounding property value...

one of the landed house kitorg kat ampang, we managed to sell before the land slide news... fuh, alhamdulillah
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Post time 17-7-2020 10:22 AM From the mobile phone | Show all posts
green~tea replied at 17-7-2020 08:26 AM
u kena mula2 register dekat FB agensi2 kerajaan.... situ diorg iklankan tsrikh kursus... biasa fee ...

I pandai menjahit.. tp baju biasa biasa.. saya nak learn baju yg pesen.. like coat ke.. yg more advance lg
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Post time 17-7-2020 10:23 AM From the mobile phone | Show all posts
green~tea replied at 17-7-2020 08:29 AM
kursus jahitan and skill2 ni u kena berguru.. sbb utk maximize untung kan... cara potong kain... n ...

Satu lg i ade product tp jualan agak sendu.. jd nak learn cmn nak bg canak sale
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 Author| Post time 17-7-2020 10:25 AM | Show all posts
Buritan replied at 17-7-2020 10:22 AM
I pandai menjahit.. tp baju biasa biasa.. saya nak learn baju yg pesen.. like coat ke.. yg more ad ...

kalo kursus skill menjahit tu... u kena enroll design academy la kot... my close family members zaman2 dulu sama2 belajar kat annie wong academy skali dato bernard chandran... tp i rasa situ mahal..
cuba u riki2 kursus jahitan lain2.. sbb nak rolling duit utk bisnes kan mende2 camni nak kena consider la dulu

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Post time 17-7-2020 10:26 AM From the mobile phone | Show all posts
green~tea replied at 17-7-2020 10:25 AM
kalo kursus skill menjahit tu... u kena enroll design academy la kot... my close family members za ...

Mak oii bernard chandran tak mampu laaa..
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 Author| Post time 17-7-2020 10:27 AM | Show all posts
Edited by green~tea at 17-7-2020 10:30 AM
Buritan replied at 17-7-2020 10:26 AM
Mak oii bernard chandran tak mampu laaa..

bukan under bernard chandran uols.. i mean dato bernard chandran pun attend academy jahitan sebelum naik popular....
attend kursus ni penting...

sama juga dengan gubahan hantaran, doorgift, hamper, baking classes, kelas buat kuih tradisional... semua bisnes2 gitu, kena attend course... tp u takleh amek bulat2 ape yang cikgu ajar. u kena tweak sikit utk optimize rasa, optimize margin, depend pada target customer u...

i'm not a succesfull businesswoman yet, sbb i takde masa nak buat bisnes full time.. tp i sukaaaa sangat borak2 dengan geng2 bisnes... amek motivasi dan idea
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Post time 17-7-2020 10:29 AM From the mobile phone | Show all posts
green~tea replied at 17-7-2020 10:27 AM
bukan under bernard chandran uols.. i mean dato bernard chandran pun attend academy jahitan sebelu ...

Oiccc.. ingat bernard.. i la  ni amik kursus under kemas tp jahit baju biasajela.. bkn fesyen
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 Author| Post time 17-7-2020 10:31 AM | Show all posts
Buritan replied at 17-7-2020 10:29 AM
Oiccc.. ingat bernard.. i la  ni amik kursus under kemas tp jahit baju biasajela.. bkn fesyen

i rasa kalo dah spesifik fashion tu u kena belajar dekat private classes laa yg ajar teknik2...
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