Bir Halal?

Baru-baru ni kita di Malaysia diperkenalkan dengan BIR HALAL di pameran Halal Antarabangsa 2009 (Mihas 2009. Apa yg menghairankan aku adalah bila dah nama bir confirm la ada alkohol. Kalau tak ada alkohol tu bukan bir namanya. Lebih baik jangan guna nama bir. Guna je nama air buah ka, jus ka, air bergas ka atau apa2 aja. Tapi RUT BIR mcm mn plak. hmmm.. Nanti ramai orang Islam kat Malaysia ni keliru. Pasti ada yg melenting dan tak setuju. Setahu aku kalau air kosong jika kita anggap arak hukumnya haram dan berdosa bila kita minum. Tu ustaz aku ajar masa kat sekolah dulu la. Kalau salah tolong betulkan aku.



Bir yg depa kata halal tu jenamanya ISTAK didatangkan dr IRAN. Ada yg kata rasa mcm bir tp tak mabuk. Mcm-mcm org perkatakan tentang bir ni. Tp yg pasti ini akan jd 1 trend baru masyarakat kita nanti. Mcm zaman org duk sibuk minum tongkat ali, abu dan sebagainya..

Untuk pengetahuan bir Istak ni didatangkan dengan 10 warna yang mewakili perisa minuman malt yang berbeza. Minuman ini telah memperoleh sijil halal daripada kerajaan Iran sejak 10 tahun lalu dan seperti mana kita tahu republik Islam itu mempunyai syarat halal dan taibah yang ketat termasuk melibatkan produk untuk dieskport. Itu kata Malaysian Iranian Corporation Sdn. Bhd. (MICSB).

Bir itu didakwa baik untuk kesihatan termasuk mampu mengelakkan sakit buah pinggang,, mengurangkan tekanan, membina tenaga dan mampu mengurangkan kolesterol.

Tinggalkan komen anda!

How to accumulate enough money for retirement

Personal Investing - By Ooi Kok Hwa

Wealth for retirement, How to earn 30-year investment returns with different savings amounts and rates

ON Jan 28, we have written an article on We all need to become millionaires. That article explained that we need to have cash reserves of about RM1mil to be able to maintain our current lifestyle 20 years after retirement.
Some readers responded and would like to know more on how to accumulate enough money for their retirement.

In this article, we will look into 30-year investment returns with different savings amounts and rate of returns. Our computation is based on the assumption that we start investing at the age of 25 and intend to retire at 55.

•Based on how much rate of returns you can achieve
The table shows that if we save RM100 per month and invest the money into fixed deposits (FD), assuming the FD can provide about 3% return over the next 30 years, our investment portfolio will reach RM58,274 when we reach 55.However, if we can generate 5%, 7% and 10% returns, our investment portfolio will achieve RM83,226, RM121,997 and RM226,049 respectively.

The EPF may be able to provide us about 5% whereas unit trust investments may be able to give us 7% to 10% returns over a very long-term period.Assuming that we treat the 3% FD return as our risk-free rate, any extra returns above this rate will be the risk premium for the additional risk that we are prepared to face.

Therefore, we need to understand our risk tolerance level before considering any type of risky investment.We should ask ourselves whether we are willing to accept the uncertainty of return that is inherent in those investments.Besides, we need to understand whether we can afford to have our savings tied up for a long period before we can achieve our investment targets.

•Based on how much you save and not how much you earn
We agree that when you earn more money, you should have more money for your investments. Unfortunately, some investors are unable to save even though they earn high salaries.


From the table, we can see that if we are able to save RM500 per month in FD, assuming a 3% return per annum, our investment portfolio will reach RM291,368 when we retire at age 55, five times higher than the savings of RM100 per month.Hence, if we can cut down on our expenses and live below our means, we should have more money to save.

We should always ask ourselves whether we want to spend money on unnecessary luxury items to keep up with the Jones or be more frugal and spend less to achieve financial freedom earlier.

The question on how to generate high returns is frequently asked by readers. Unfortunately, there is no straight-forward answer to this.We can equip ourselves with strong financial and investing knowledge which helps us in making better investment decision that will eventually translate into better returns.

To do so, we need to be interested in the economic and business activities around us.For those who are beginning to learn about investing, you can go to any bookstore to look for investment books that you can comprehend to build up the foundation.

Remember that there is no point in buying books written by top investment gurus in the world if you cannot understand what it is trying to tell.Once you have built up your knowledge, you should be able to digest the financial information and do your own research in investment.

We all need to become millionaires

PERSONAL INVESTING
By OOI KOK HWA

One must have cash reserves of about RM1mil to be able to maintain one’s current lifestyle 20 years after retirement. WE need to become millionaires when we retire! A lot of people have misconceptions about being millionaires. To them, being a millionaire means they should own total assets – by adding up their total cash, house, Employees’ Provident Fund (EPF) contribution and car – that are worth RM1mil and above.

They believe that once they achieve one million cash, they should enjoy themselves by driving big luxury cars and staying in bungalows. In reality, all of us need to become millionaires when we retire at age 55. Based on our computation, we need to own total cash, including all money in savings, fixed deposits and EPF, which have total value of more than RM1mil.

The key principle here is we need to have cash reserves of more than RM1mil to be able to maintain our current lifestyle 20 years after retirement from age 55 to age 75. This is on the assumption that we can live up to 75 (the average lifespan of Malaysians).


Based on our computation (see table), if you are now 35 years old and your current monthly expenses are RM3,000 per month, assuming you are only able to generate a return of 3% (the return from fixed deposits) on all of your savings and the RM3,000 will grow by the average historical inflation rate of 3.5% per annum, you would need RM1.6mil when you retire at age 55.This amount will be enough to maintain your current lifestyle for the next 20 years after your retirement at 55. However, if you need to spend RM5,000, RM7,000 or RM10,000 per month, then you need RM2.6mil, RM3.7mil and RM5.3mil respectively at your retirement age of 55.

In short, you need to become a millionaire when you retire even if you only maintain a simple lifestyle after your retirement. You will not be able to use this money to buy a big luxury car or a bungalow, as you really need the money for the next 20 years.

Thomas J. Stanley and William D. Danko have conducted research on the reasons why some Americans become wealthy. They discovered that a lot of them live well below their means.Unfortunately, we notice that some Malaysians do not have enough money when they retire. Some of them may not be aware that they really need to accumulate that amount of money when they retire. Some may be aware, but they may have used up all their savings to support their children’s education. As a result, they need to find a job after retirement. Some may have difficulties finding a job. A lot of companies may prefer to employ a young graduate rather than a retiree unless the latter is willing to accept a lower pay.

We also believe that a lot of investors are quite worried about having enough money for retirement. They are also concerned that their money may not be enough to protect them against inflation. Hence, besides controlling our expenses, we also need to know how to grow our money.

Looking at the table, different minimum achievable annual target returns can provide different required amounts for retirement.For the current monthly expenses of RM3,000, if you are only able to generate a 3% return per annum, then you need to have RM1.6mil for retirement whereas you only need about RM900,000 if you are able to generate a return of 10%.

However, higher returns come with higher risks. We need to understand our risk tolerance level. We need to equip ourselves with adequate investing knowledge if we intend to generate higher returns.

6 steps for burning DESIRE to become millionaire

The method by which DESIRE for riches can be transmuted into its financial equivalent, consists of six definite, practical steps,:

 

First. Fix in your mind the exact amount of money you desire. It is not sufficient merely to say "I want plenty of money." Be definite as to the amount.

 

Second. Determine exactly what you intend to give in return for the money you desire. (There is no such reality as "something for nothing.)

 

Third. Establish a definite date when you intend to possess the money you desire.

 

Fourth. Create a definite plan for carrying out your desire, and begin at once, whether you are ready or not, to put this plan into action.

 

Fifth. Write out a clear, concise statement of the amount of money you intend to acquire, name the time limit for its acquisition, state what you intend to give in return for the money, and describe clearly the plan through which you intend to accumulate it.

 

Sixth. Read your written statement aloud, twice daily, once just before retiring at night, and once after arising in the morning. AS YOU READ--SEE AND FEEL AND BELIEVE YOURSELF ALREADY IN POSSESSION OF THE MONEY.

 

It is important that you follow the instructions described in these six steps. It is especially important that you observe, and follow the instructions in the sixth paragraph. You may complain that it is impossible for you to "see yourself in possession of money" before you actually have it. Here is where a BURNING DESIRE will come to your aid. If you truly DESIRE money so keenly that your desire is an obsession, you will have no difficulty in convincing yourself that you will acquire it. The object is to want money, and to become so determined to have it that you CONVINCE yourself you will have it.

 

Only those who become "money conscious" ever accumulate great riches. "Money consciousness" means that the mind has become so thoroughly saturated with the DESIRE for money, that one can see one's self already in possession of it.

 

You may as well know, right here, that you can never have riches in great quantities, UNLESS you can work yourself into a white heat of DESIRE for money, and actually BELIEVE you will possess it.

 

There is a difference between WISHING for a thing and being READY to receive it. No one is ready for a thing, until he believes he can acquire it. The state of mind must be BELIEF, not mere hope or wish. Open mindedness is essential for belief. Closed minds do not inspire faith, courage, and belief.

Boikot dan Terus Boikot

Pastikan anda menjalankan kewajipan anda sebagai Islam dan terus memperjuangkan Islam dan Palestine dengan memboikot barang-banrang Israel dan Amerika. Sedekahkan Al-Fatihah untuk pejuang mati syahid kita di Palestine. Amin.