LIABILITI vs ASET
Setahun aku menghilang, ada rancangan kembali menulis blog tetapi apakan daya, sibuk melanda.
Apapun, Selamat Tahun Baru 2017!
Kali ini, saya ingin membawa sebuah topik yang biasanya KEBANYAKKAN orang muda tidak tahu, atau buat-buat tidak tahu atau tidak peduli.
Ya LIABILITI vs ASET.
Apa Liabiliti?
Paling mudah, liabiliti ialah sesuatu yang memerlukan kita mengeluarkan wang. Contohnya kereta idaman. Setiap bulan kita membayar semula pinjaman bank tetapi nilai kereta tersebut akan surut. Maksudnya ia adalah tanggungan hutang yang perlu dijelaskan. Nanti kita bincangkan lebih lanjut.
Apa pula Aset?
Aset ialah harta yang bernilai kepada kita, contohnya sebuah rumah idaman. Harga rumah tersebut akan meningkat pada masa akan datang, tetapi apabila sudah habis bayar ia menjadi aset yang termahal kita akan punyai.
Ya, liabiliti dan aset sebenarnya agak subjektif.
Kereta jika kita beli dan gunakannya untuk mengaut keuntungan contohnya disewakan akan menjadikan kereta tersebut sebagai aset kita.
Rumah pula, menjadi liabiliti kerana kita tetap membayarnya pinjaman bank setiap bulan tetapi oleh kerana nilainya pada masa akan datang semakin meningkat maka ia menjadi aset.
Jadi, anak-anak muda, apabila kita mahu "membuang" wang, fikirkan bahawa aset lebih penting daripada liabiliti. Sebelum mencurahkan wang anda ke dalam keseronokan, baik fikirkan masa depan anda. Invest lebih banyak dalam pemerolehan aset berbanding tukar kereta setiap 3 tahun..tapi ini hanya contoh ya.
Walaubagaimanapun, saya ingin kongsikan sedikit pengalaman berkaitan dengan aset dan liabiliti ini. Mungkin tidaklah dapat membantu banyak tapi diharapkan perkongsian ini dapat memberi sedikit sebanyak idea dan menyumbang dalam perancangan kewangan anda.
Saya mempunyai sebuah kereta yang kecil. Setiap bulan saya perlu membayar sebanyak RM490 kepada bank. Semasa baru memikirkan untuk memiliki sebuah kenderaan, saya tidak pernah fikir akan keperluan-keperluan yang akan datang. Saya hanya menginginkan sebuah kereta untuk memenuhi keperluan dan...ianya baru, dapatlah 'show off' sedikit (padahal cuma kereta kecil pun haha). Seiring berjalannya waktu, saya mendapati bahawa terdapat beberapa keperluan yang perlu dipertimbangkan iaitu:
1. Bayaran bulan kereta (RM490 /bulan)
2. Bayaran servis (RM50 ~ RM200 /3 bulan)
3. Penggantian tayar (RM380 /tahun)
4. Penggantian brek (RM60 ~ RM100 /tahun)
5. Kerosakan lain; estimate dalam RM300 ~ RM1000
Jadi, dalam jangka waktu ini, saya harus mempunyai sekurang-kurangnya RM1000 wang kecemasan untuk kenderaan sahaja. Kereta ini menjadi keperluan dan liabiliti jangka masa panjang (bayaran kepada bank dalam tempoh 9 tahun), kenapa bukan aset? Sebab saya tidak menggunakan kenderaan ini untuk mencari wang.
Saya dan isteri juga mempunyai sebuah rumah condo. Setiap bulan kami perlu membayar sebanyak RM1300. Bulan pertama kami tidak terfikir akan bayaran lain sehinggalah bil lain datang menjenguk. Tapi bil tersebut sebenarnya ada disentuh dalam S&P, cuma kami lupa.
Bayaran-bayaran ini jika dikira semua dalam +-RM200 sebulan.
Memang pada mulanya agak membebankan tetapi jika difikirkan dengan baik, rumah ini nanti nilainya akan semakin meningkat, tetapi kereta pula semakin susut, tambahan pada masa akan datang mungkin banyak yang perlu diganti dan sebagainya.
Daripada kami menyiakan wang kami kepada kereta yang besar dan sebagainya (yang tidak akan mendatangkan keuntungan pada waktu akan datang), lebih baik kami 'invest' kepada property kan.
Jadi, sekian sahaja perkongsian saya.
Friday, January 6, 2017
Monday, March 23, 2015
The PATH of being successfull
I remember watching and reading those rich guys profile, admiring them because of their rich-ness, or successful band or people I know became a professional in what they are doing..I thought to myself, I want to be like them! But it is not as easy as it may seems to be..
Few days ago I watched the DREAMTHEATER 20 years anniversary. In the documentary, they talk about how they persistently chasing their dreams to express their music to people. Now, not only they perform to show their music, but they achieve greatness pass their dream. See, amazing right? Become successful in something..but less that I know how they walk their steps towards this amazing-ness.
First, there were two good friends that lived in the neighborhood. They shared the same music taste and jammed along very well, John Petrucci & John Myung. They went to Berklee College and met Mike Portnoy. They jammed along together, they even drop out from their study to pursue or focus their band. In the documentary, they said they would jamm after work, every day, every night. They have to move to several places. In 1985 they formed a band called Majesty. They filled concerts and record demo in 1986 - 1987. There was also this group called Majesty in Las Vegas and threatened to take legal actions for intellectual property. In 1988 Dream Theater became their new band name and stuck until now. They keep continue doing what they love to do. You see, through the years they performed in concerts and making album, their have several ups and downs including searching for vocalist that suit their preferences, keyboardist that got fired and left until they finally have permanent keyboardist - Jordan Rudess. All the things that could stop them did not stop them at all!
And then there's this Young Businessman - Azri. You can read the here http://www.thestar.com.my/News/Nation/2015/03/22/Meet-the-material-guy/.
What interest me is that he took every opportunity he have to do a business. It seems like he used almost all of his time to think of a new plan, new business thingy and all. He finally became 'rich' at the age of 26 (owning a BMW makes him rich though). The thing is, he also have a lots of ups and downs. He built chalets but then flood struck down - but it's now under renovation. He join a competition and did not successful but then he tried again and then he was successful.
As I read through and place myself in their foot, I might have gave up. Being successful is not always about having the good thing on your side but also learning from mistakes and downfall.
Then there's this thing happened to me this morning when I'm having my breakfast..a person called Harris asked me if I want to join a business (good business he said, and as always not mentioning what company or what business) which I am quite fade up with because of the past experiences and that I have to do thing I dislike (or maybe I'm not into that kind of business eh?). Still thinking/considering whether should I meet him tonight or not.
Good day & God Bless!
Few days ago I watched the DREAMTHEATER 20 years anniversary. In the documentary, they talk about how they persistently chasing their dreams to express their music to people. Now, not only they perform to show their music, but they achieve greatness pass their dream. See, amazing right? Become successful in something..but less that I know how they walk their steps towards this amazing-ness.
First, there were two good friends that lived in the neighborhood. They shared the same music taste and jammed along very well, John Petrucci & John Myung. They went to Berklee College and met Mike Portnoy. They jammed along together, they even drop out from their study to pursue or focus their band. In the documentary, they said they would jamm after work, every day, every night. They have to move to several places. In 1985 they formed a band called Majesty. They filled concerts and record demo in 1986 - 1987. There was also this group called Majesty in Las Vegas and threatened to take legal actions for intellectual property. In 1988 Dream Theater became their new band name and stuck until now. They keep continue doing what they love to do. You see, through the years they performed in concerts and making album, their have several ups and downs including searching for vocalist that suit their preferences, keyboardist that got fired and left until they finally have permanent keyboardist - Jordan Rudess. All the things that could stop them did not stop them at all!
And then there's this Young Businessman - Azri. You can read the here http://www.thestar.com.my/News/Nation/2015/03/22/Meet-the-material-guy/.
What interest me is that he took every opportunity he have to do a business. It seems like he used almost all of his time to think of a new plan, new business thingy and all. He finally became 'rich' at the age of 26 (owning a BMW makes him rich though). The thing is, he also have a lots of ups and downs. He built chalets but then flood struck down - but it's now under renovation. He join a competition and did not successful but then he tried again and then he was successful.
As I read through and place myself in their foot, I might have gave up. Being successful is not always about having the good thing on your side but also learning from mistakes and downfall.
Then there's this thing happened to me this morning when I'm having my breakfast..a person called Harris asked me if I want to join a business (good business he said, and as always not mentioning what company or what business) which I am quite fade up with because of the past experiences and that I have to do thing I dislike (or maybe I'm not into that kind of business eh?). Still thinking/considering whether should I meet him tonight or not.
Good day & God Bless!
Tuesday, April 15, 2014
a brother's note
As time forward, there are many things I wish I can change, many things I wish I can save and many things I wish I can redo. But times never know the meaning of rewind. All that ever happened around me many years ago cannot be changed anymore.
Dear sisters, I wish I can save you from your dark past. It kills me everytime I remember. I wish I know the things going on during that time and I wish I can free you from the hurting. Now, I can only sit here and think how much it hurts me too.
Dear sister, I wish I did not go mad when waiting for you to go to school. I wish we can walk side by side and teach you the lesson i learnt as a brother. I wish I helped you to grow mature.
In most of the cases, I failed to be your good brother. I failed to show how much I love you all. I failed to show what love supposed to be as siblings.
Time goes by, you both grow up. What have happened cannot be changed, I know and I regrets some of it.
I realized, now is the only time I can show you how much I love you all. Now is the time that I should make you proud to have me as a brother. Now is the time I can show what wonderful life is about to our little brother. And I hope I will not dissapoint you guys for the second time. God bless.
Dear sisters, I wish I can save you from your dark past. It kills me everytime I remember. I wish I know the things going on during that time and I wish I can free you from the hurting. Now, I can only sit here and think how much it hurts me too.
Dear sister, I wish I did not go mad when waiting for you to go to school. I wish we can walk side by side and teach you the lesson i learnt as a brother. I wish I helped you to grow mature.
In most of the cases, I failed to be your good brother. I failed to show how much I love you all. I failed to show what love supposed to be as siblings.
Time goes by, you both grow up. What have happened cannot be changed, I know and I regrets some of it.
I realized, now is the only time I can show you how much I love you all. Now is the time that I should make you proud to have me as a brother. Now is the time I can show what wonderful life is about to our little brother. And I hope I will not dissapoint you guys for the second time. God bless.
Monday, January 20, 2014
L.O.V.E
We love because HE first loved us.
For many years ago when I was younger, I remember back then when we have this very annoying neighbor. But when I think back again, I just don't find the reason to hate them so much like we did years ago.
While I was driving this afternoon, suddenly I reminded of this event that eventually make me felt guilty. I'm about to cry and I said my simple prayer, "Lord, forgive us for what we've done..".
You know, that neighbor sell a cookies (kue pisang etc.). No matter how mad we are towards them, they always go in front of gate and yell "Kueee..mau beli kuee?"..that's what break my heart so much. T.T
Now that we are away from the place we used to stay, they are no longer visible from us, they taught me a lessons.
A man more than 2000 years ago did the same. HE loved us that HE became the greatest sacrifice, died on the cross to save us. HE open a new way for us so that we no longer have to walk in vain, alone.
We loved because HE first loved us, we must love our neighbor, friends and families in order to become few percent like HIM.
1 Korintus 13:13 Demikianlah tinggal ketiga hal ini, yaitu iman, pengharapan dan kasih, dan yang paling besar di antaranya ialah kasih.
For many years ago when I was younger, I remember back then when we have this very annoying neighbor. But when I think back again, I just don't find the reason to hate them so much like we did years ago.
While I was driving this afternoon, suddenly I reminded of this event that eventually make me felt guilty. I'm about to cry and I said my simple prayer, "Lord, forgive us for what we've done..".
You know, that neighbor sell a cookies (kue pisang etc.). No matter how mad we are towards them, they always go in front of gate and yell "Kueee..mau beli kuee?"..that's what break my heart so much. T.T
Now that we are away from the place we used to stay, they are no longer visible from us, they taught me a lessons.
A man more than 2000 years ago did the same. HE loved us that HE became the greatest sacrifice, died on the cross to save us. HE open a new way for us so that we no longer have to walk in vain, alone.
We loved because HE first loved us, we must love our neighbor, friends and families in order to become few percent like HIM.
1 Korintus 13:13 Demikianlah tinggal ketiga hal ini, yaitu iman, pengharapan dan kasih, dan yang paling besar di antaranya ialah kasih.
Tuesday, October 8, 2013
Mazmur 23
Selamat po..lama tidak menaip2 di sini..hehe
Apapun, ada satu lagu yg berkumandang di dlm diri ini saat mensyukuri hari yang baru diberikan kepadaku..
TUHAN ADALAH GEMBALAKU
TAK'KAN KEKURANGAN AKU
IA MEMBARINGKAN AKU
DI PADANG YANG BERUMPUT HIJAU
IA MEMBIMBINGKU KE AIR YANG TENANG
IA MENYEGARKAN JIWAKU
IA MENUNTUNKU KE JALAN YANG BENAR
OLEH KER'NA NAMANYA
SEKALIPUN AKU BERJALAN
DALAM LEMBAH KEKELAMAN
AKU TIDAK TAKUT BAHAYA
KER'NA ENGKAU BESERTAKU
GADAMU DAN TONGKATMU
ITULAH YANG MENGHIBUR AKU
Apapun, ada satu lagu yg berkumandang di dlm diri ini saat mensyukuri hari yang baru diberikan kepadaku..
TUHAN ADALAH GEMBALAKU
TAK'KAN KEKURANGAN AKU
IA MEMBARINGKAN AKU
DI PADANG YANG BERUMPUT HIJAU
IA MEMBIMBINGKU KE AIR YANG TENANG
IA MENYEGARKAN JIWAKU
IA MENUNTUNKU KE JALAN YANG BENAR
OLEH KER'NA NAMANYA
SEKALIPUN AKU BERJALAN
DALAM LEMBAH KEKELAMAN
AKU TIDAK TAKUT BAHAYA
KER'NA ENGKAU BESERTAKU
GADAMU DAN TONGKATMU
ITULAH YANG MENGHIBUR AKU
Saturday, June 29, 2013
"Terima Kasih"
Seorang anak bertengkar dengan ibunya dan meninggalkan rumah.
Anak tersebut berjalan terus tanpa tujuan dan tiba-tiba menyedari bahawa dia tidak membawa wang.
Anak tersebut pun melewati sebuah kedai mee.
Anak itu sangat lapar dan inginkan semangkuk mee.
Pemilik kedai tersebut melihat anak itu berdiri cukup lama di depan kedai lalu bertanya,
"Nak, adakah engkau ingin memesan mee?"
"Ya, tetapi aku tidak mempunyai wang" jawab anak tersebut malu-malu.
"Tidak apa, aku memberikanmu dengan percuma" kata pemilik kedai.
Anak itu pun segera makan. Kemudian terlihat air mata mulai berlinang.
"Ada apa nak?" tanya pemilik kedai.
"Tidak ada apa-apa, aku cuma terharu kerana seorang pemilik kedai yang baru ku kenal memberi aku semangkuk mee tanpa bayaran sedangkan ibuku sendiri telah mengusir aku keluar dari rumah. Kau seorang yang baru ku kenal tetapi begitu peduli kepadaku."
Pemilik kedai itu lalu berkata, "Nak, mengapa kau berfikir sedemikian? Renungkan hal ini, aku hanya memberikan kamu semangkuk mee dan kau begitu terharu. Ibumu telah memasak mee, nasi dan lain-lain selama dia menjagamu sehingga kamu dewasa."
Anak itu tergamam seketika mendengar hal tersebut.
"Mengapa aku tidak berfikir sedemikian tentang hal tersebut?"
"Untuk semangkuk mee dari orang yang baru ku kenal, aku begitu berterima kasih..
tetapi kepada ibuku yang telah memasak untukku selama bertahun-tahun, aku tidak pernah berterima kasih"
Anak itu pun segera menghabiskan meenya dan pulang.
Begitu setibanya anak tersebut di depan pintu, dia melihat wajah ibunya cemas.
Ketika ibu melihat anaknya, kalimat yang pertama keluar adalah:
"Nak, kau sudah pulang, cepatlah masuk, aku telah menyiapkan makan malam."
Mendengar hal itu, si anak tidak dapat menahan lagi tangisnya lalu dia menangis di hadapan ibunya.
Terkadang satu kesalahan membuat kita begitu mudah melupakan kebaikan yang telah kita nikmati setiap hari.
Sekali waktu kita mungkin akan sangat berterima kasih kepada orang lain untuk suatu pertolongan kecil yang kita terima.
Namun kepada orang yang sangat dekat kepada kita khususnya orang tua, suami/isteri....kita sering lupa berterima kasih.
Berterima kasihlah!!!!!
TUHAN mengasihi, memberkati dan menyertai kita selalu!! Amen!
Anak tersebut berjalan terus tanpa tujuan dan tiba-tiba menyedari bahawa dia tidak membawa wang.
Anak tersebut pun melewati sebuah kedai mee.
Anak itu sangat lapar dan inginkan semangkuk mee.
Pemilik kedai tersebut melihat anak itu berdiri cukup lama di depan kedai lalu bertanya,
"Nak, adakah engkau ingin memesan mee?"
"Ya, tetapi aku tidak mempunyai wang" jawab anak tersebut malu-malu.
"Tidak apa, aku memberikanmu dengan percuma" kata pemilik kedai.
Anak itu pun segera makan. Kemudian terlihat air mata mulai berlinang.
"Ada apa nak?" tanya pemilik kedai.
"Tidak ada apa-apa, aku cuma terharu kerana seorang pemilik kedai yang baru ku kenal memberi aku semangkuk mee tanpa bayaran sedangkan ibuku sendiri telah mengusir aku keluar dari rumah. Kau seorang yang baru ku kenal tetapi begitu peduli kepadaku."
Pemilik kedai itu lalu berkata, "Nak, mengapa kau berfikir sedemikian? Renungkan hal ini, aku hanya memberikan kamu semangkuk mee dan kau begitu terharu. Ibumu telah memasak mee, nasi dan lain-lain selama dia menjagamu sehingga kamu dewasa."
Anak itu tergamam seketika mendengar hal tersebut.
"Mengapa aku tidak berfikir sedemikian tentang hal tersebut?"
"Untuk semangkuk mee dari orang yang baru ku kenal, aku begitu berterima kasih..
tetapi kepada ibuku yang telah memasak untukku selama bertahun-tahun, aku tidak pernah berterima kasih"
Anak itu pun segera menghabiskan meenya dan pulang.
Begitu setibanya anak tersebut di depan pintu, dia melihat wajah ibunya cemas.
Ketika ibu melihat anaknya, kalimat yang pertama keluar adalah:
"Nak, kau sudah pulang, cepatlah masuk, aku telah menyiapkan makan malam."
Mendengar hal itu, si anak tidak dapat menahan lagi tangisnya lalu dia menangis di hadapan ibunya.
Terkadang satu kesalahan membuat kita begitu mudah melupakan kebaikan yang telah kita nikmati setiap hari.
Sekali waktu kita mungkin akan sangat berterima kasih kepada orang lain untuk suatu pertolongan kecil yang kita terima.
Namun kepada orang yang sangat dekat kepada kita khususnya orang tua, suami/isteri....kita sering lupa berterima kasih.
Berterima kasihlah!!!!!
TUHAN mengasihi, memberkati dan menyertai kita selalu!! Amen!
Friday, June 28, 2013
God Is Good
"For I know the plans I have for you. Plans to prosper you and not to harm you, plans to give you hope and future" - Jeremiah 29:11
God is good all the time and all the time God is good!
I may not understand God's way in my life but I put my whole trust in HIM because I know that HIS will is better in my life than my will.
My future, I give it all to HIM. I truly believe that HE is my provider. My hope is all in HIM.
I have discussed some agenda with my Pastor back in March 2013 (I don't remember the date), it was about my calling. I asked my Pastor how to know that the calling is from God. Then he gave these tips:
1. Fast and pray so that I will be able to listen to HIS voice.
2. List down why I felt that calling.
3. Be sensitive on my surrounding happening.
I have sort out the item #2 which I found out quite surprising that even until today people I don't really know suddenly called me 'Pastor'..aha..maybe because I know how to p...r...e..a...c...h? I don't really know, but anyways I would be grateful if I have the talent! =))
I am still clinging to HIS will. Let YOURS be done in my life LORD, and not mine.
God is good all the time and all the time God is good!
I may not understand God's way in my life but I put my whole trust in HIM because I know that HIS will is better in my life than my will.
My future, I give it all to HIM. I truly believe that HE is my provider. My hope is all in HIM.
I have discussed some agenda with my Pastor back in March 2013 (I don't remember the date), it was about my calling. I asked my Pastor how to know that the calling is from God. Then he gave these tips:
1. Fast and pray so that I will be able to listen to HIS voice.
2. List down why I felt that calling.
3. Be sensitive on my surrounding happening.
I have sort out the item #2 which I found out quite surprising that even until today people I don't really know suddenly called me 'Pastor'..aha..maybe because I know how to p...r...e..a...c...h? I don't really know, but anyways I would be grateful if I have the talent! =))
I am still clinging to HIS will. Let YOURS be done in my life LORD, and not mine.
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