Wednesday, September 17, 2014

Family Financial Agreement oh Family Financial Agreement

I think this is very important in a family or those who plan to get marry soon.

HUSBAND AND WIFE should pull together their financial strength, not always just depend on HUSBAND.

WIFE have their own expectation, HUSBAND have their own expectation.

Example: 

Expectation (MYTHs): I don't expect my Wife to buy LUXURY goods, example: LV bags
FACTS: My wife do buy LV bags, alamak (grin)

EACH of the MARRY Counseling Session should include FINANCIAL course in it and at least include this FINANCIAL AGREEMENT.

But Hor, if an agreement can not be follow, also useless.

美满家庭财务协议书

“协议书”给人的第一印象就是刻板、现实、律法主义、不近人情的感觉;而“美满家庭”给人的印象则是浪漫、温馨和充满人情味。
要把美满家庭与协议书凑在一起,似乎是风马牛不相及之事。尤其是讲到钱,一般人都认为结婚后“我的钱就是你的钱,你的钱就是我的钱”,若是真心相爱的话,还有什么好计较?用得着什么协议书?
许多人就以此“理所当然”的想法进入婚姻。做丈夫的“以为”自己的妻子会贤良淑德、精打细算,务必将家中的日常开支安排得井井有条。
同时也信心满满地“以为”妻子就是会和他一起分担车贷、房贷及家里的一却大事小事等等。
做妻子的则“以为”丈夫精明能干,不管大事小事都不必自己操心,连老家的老父母,尽都放心交托!就这样你以为我、我以为你的,没有任何正式的协议和沟通。
直到日后东窗事发,才发觉到,我“以为”你“应该”知道的这些“可能”会发生的事,和你“认为”我“大概”会了解到我“心想”要做的事一概都没有发生。
在这怒火中烧的情况下,夫妻俩开始争吵起来,就在最激烈的时刻,忽然间眼前一黑……这时候才猛然想起,拖欠多时的电费竟然无人处理。
钱在作怪
如果你的家庭也有类似的经历也不足为奇,因为我和配偶也是因为在发生了严重的婚姻危机后,为了寻求解决方案,参加许多婚姻课程时,才了解到沟通与协商在维系美满家庭是何等的重要。
当然你也不必等到有问题才上课。
同时我也发现到,许多婚姻与家庭问题的导火线,其实都是钱在作怪。原本只是一些微不足道的金钱与价值观的差异,因为没有善加处理,最终也可能导致双方分道扬镳。
家庭财务协议书 增强夫妻同理心
一直以来,MonQ的课程在解决夫妻间的财务纠纷、引领家庭财务规划都非常有效,我想最主要是因为我们已拿捏到家庭财务协议的重要。
因此,在课程中,我们非常强调夫妻俩在心平气和的氛围下,开诚布公地把整个家庭所涉及的财务事项敞开、商讨、达成协议、再重新出发。
更神奇的是,当一个家庭的财务问题解决后,因为夫妇俩已掌握了协商的精神,更可以看到,接下来无论在他们的夫妻关系、亲子关系也会有很大的改善!
设立协议书的主要用意,是透过白纸黑字列明并加强双方对事情的想法,彼此才有交流的机会,进而增强各自的同理心及改善家庭财务的信念。
右边就是一份家庭财务协议书的样本供各位参考。
协议书的用意,并非在于限制家庭开支自由,而是让双方有个明确的收支引导。夫妻可依据此样本自行调整,做一份适合的协议书。
以此作为家庭财务基础,婚姻生活才会朝向更美满、更和谐、更稳健的方向发展,迈向大家理想中“美满家庭”。
美满家庭财务协议书
 
宗旨:共同协商家庭理财原则以达至和谐,有系统和目标导向的家庭财务规划。
我们愿意共同协商以谋求下列的家庭理财协议
—————————————————————————
我们的协议:
1.我们同意金钱永远不会比我们的关系重要,无论面对任何问题,我们都愿意共同谋求圆满的解决方案。
2.我们愿意将所有的个人收入,纳入为家庭收入以共同分担家庭的财务,并同意以MonQ2116“先分配,后花费”的方案来管理家庭的财务事项。
收入分配建议
20%经济独立(长期的退休投资)
10%孩子教育基金
10%保险规划
60%日常生活开销(包括衣食住行、娱乐、孩子与父母家用、捐款等)
我们愿意遵守以上的方案,绝不在没有获得对方的同意下透过任何方式,例如信用卡、举债透支。
注:个家庭也要预备至少3至6个月的后备现金以备不时之需。还没有子女的夫妇,可选择性将10%的孩子教育基金,用于日常生活开销。
3.我们愿意根据本身的能力各尽其职,分别执行家庭财务决策(夫妻俩可以在此例明由谁负责什么事项)。在执行时,把被委托的财务事项尽善管理并负起全部的责任。
4.我们同意向对方公开目前的资产与负债,并谋求如何共同分担/分享。
5.我们愿意定期评审家庭的财务状况,如有任何不尽善之处,将会在家庭会议中检讨并做出调整。
6.我们同意在家庭财务管理上,持有持续学习的态度,并在有需要时寻求专业的意见。
我同意遵守此家庭财务协议,因我爱你尊重你。并且这协议是维持我们婚姻关系最佳状态的保证。
男方签名: 日期:
女方签名: 日期:
文:黄凯顺 (MonQ 财商教育家) 
转载自(南洋网 – 财经周刊

Online Survey Tools oh Online Survey Tools

This tools is very helpful if you plan to get some feedback.

I will explore LIMESURVEY which can LINK to SPSS.

Source: http://www.idealware.org/articles/fgt_online_surveys.php

Basic Survey Tools

A number of low cost online tools provide easy interfaces for building surveys and viewing reports online. These packages can be a great fit for smaller surveys where  advanced question types, survey logic and results analysis are not required.
SurveyMonkey (www.surveymonkey.com)
SurveyMonkey offers a popular online hosted survey tool that works well for basic surveys. The free version might be useful for very small and informal surveys, but allows very little customization of the look of the survey, no downloads of reports or data, and can only collect 10 questions and 100 responses per survey. The Select version ($16.99/month, or $199/year) offers unlimited questions and responses, customizability, skip logic and the ability to export Excel and PDF files. The package’s folder structure and “search by title” feature makes it easy to navigate through many surveys. Reports are minimal, but they allow you to export results to another application to do more serious analysis. Higher end Gold and Platinum versions ($24.99/month and $64.99/month) offer advanced logic features like question and answer piping, randomization, text analysis for open responses, and integration with IBM’s SPSS statistical software.

Zoomerang (www.zoomerang.com)
Zoomerang is similar to SurveyMonkey in many respects, but offers in general a somewhat more powerful package for somewhat more money. Like SurveyMonkey, there’s a very limited free package; the more useful Pro package is offered to nonprofits for $149/year for unlimited surveys, questions and respondents, and a Premium package ($449/year for nonprofits) includes mobile surveys, comparison reports, multi-user survey sharing and collaboration, and statistical analysis. The survey building tools are not quite as intuitive as SurveyMonkey’s, and it can be more difficult to learn. However, Zoomerang offers more extensive reporting, with a flexible cross-tabulation report tool that lets survey administrators see the data relationships across any set of questions. 

SurveyGizmo (www.surveygizmo.com)
SurveyGizmo offers a low-cost ($19/month) solution with some advanced features—it supports 1,000 responses per month, and basic logic—as well as a range of more advanced packages from $49/month to $160/month. At all levels, SurveyGizmo offers basic piping, fully customizable survey look and feel, and the ability to embed images and videos hosted on your own website. More advanced levels offer many randomization options (question options, questions per survey page, and pages themselves), skip logic,  and more.  SurveyGizmo offers an API for integrating survey functionality into websites, blogs and other applications, including integration with Salesforce.com.

PollDaddy (www.polldaddy.com)
PollDaddy offers surveys and polls that can be easily embedded into external websites and applications. The free package offers a maximum of 10 questions per survey and 100 responses per month, plus basic reporting. More advanced versions cost between $200/year and $900/year. Survey features are more limited than some of the other options in this category, with no skip logic or piping, but survey administrators have a lot of flexibility over the look of the survey, by selecting from pre-designed templates, or fully customizing the template by editing stylesheet code. Surveys can be delivered in pop-up windows, and results can be tracked via RSS feed.

Lower Cost Integrated Solutions
There are a number of inexpensive solutions that bundle in additional features outside of surveys and polls. These can be quite useful if you find that your survey needs often overlap with others—for instance, the need to send emails. However, the survey functionality within these integrated tools tends be fairly basic, and they’re unlikely to meet the needs of those looking for advanced survey logic or analysis features.  
Constant Contact (www.constantcontact.com): 
Although known primarily as an email marketing tool, Constant Contact offers “Listen-Up,” a hosted survey tool with some interesting benefits. There’s no free option, but fee-based packages are competitive with other lower-cost options, ranging from about $10/month to $150/month, depending on the number of respondents who will be answering surveys. Constant Contact offers more than 40 predesigned templates with some ability to customize. Surveys can include skip logic, and can be scheduled in advance. The tool also offers a variety of emailing and email management services, including contact importing, list segmentation and basic contact management. Reports are quite basic, but data can be exported for analysis in another tool.

FormSite (www.formsite.com):
FormSite offers a tool for building website forms—everything from simple “contact us” forms to evaluation forms. Although the focus is forms for feedback and test-taking, FormSite offers a basic set of survey features, and may be useful to those looking to collect a lot of different types of information via web-forms. Features include multiple page surveys, question randomization, basic skip logic and piping. Surveys can be customized to match your website by someone familiar with HTML. They offer a variety of prices, including a limited free account, and packages ranging from $10/month to $100/month.

Moodle (www.moodle.org):
Moodle is a powerful open source course management software package primarily targeted at schools and universities. It integrates website content management and online course management with survey and test-taking solutions. The survey tools are geared toward those gathering feedback from students to assess teaching methods, and several verified survey instruments are provided for this purpose. Moodle may be appropriate for nonprofits running training programs or schools seeking an all-in-one website, course and survey management solution for their programs. The package is free to download, but will require substantial technical knowledge to install, configure, customize and support.

More Advanced Survey Packages
If you are looking to conduct larger-scale research, marketing and feedback analysis projects, a more powerful survey package could provide welcome functionality. These tools offer significantly more advanced question formats, survey logic and data analysis.  The more complex functionality makes them more difficult to use without training, especially for those without prior survey design expertise.
Qualtrics (www.qualtrics.com):
Qualtrics provides advanced survey logic and analysis targeted at research surveys, with a focus on academic institutions. The Qualtrics Research Suite provides data analysis support for cross-tabulation, conjoint analysis, subgroup analysis, time series analysis, and more.

QuestionPro (www.questionpro.com):
QuestionPro packages range from limited free versions to more advanced $15-$99/month options. The free package lets you re-use questions from one survey to the next, or pull questions from a standard survey template library. The more advanced packages offer unlimited surveys, questions and responses with skip logic, piping, randomization and even more complex survey logic, as well as multimedia and multilingual support. QuestionPro also offers an API to exchange survey data with outside applications, including a module for Salesforce.com integration.

LimeSurvey (www.limesurvey.org):
This is a powerful, free and open source survey package appropriate for nonprofits looking for advanced survey logic and analysis features and who have substantial technology support. Its range of features includes full customization of survey look and feel, support for 40 different languages, piping, skip logic, a library of available survey questions and blast emailing. The tool has a large support community and is under active development. This is an open source package that can be downloaded for free, installed on your own web server, and customized to your needs by a developer with knowledge of PHP/ MySQL. Although the tool itself is free, be prepared to bear the costs for your own web hosting, and the time it takes to properly install, configure, customize and support this product on your own.

Key Survey (www.keysurvey.com):
This is the most robust of the advanced survey tools covered in this article. Prices range from $1,950 to $5,950/year for single-user subscriptions. It offers a full set of features, including several unusually advanced ones such as LDAP integration to allow single-sign-on models for large organizations, role based permissions, support for “teacher/student” surveys, multimedia questions and much more. Key Survey also offers an API to exchange survey data with outside applications, with a module for Salesforce.com integration.

Monday, September 15, 2014

Proton Iriz Price oh Proton Iriz Price

Maybe will consider this one, after so many comment on proton saga FLX.


Sunday, September 14, 2014

T Harver makeover system oh T Harver makeover system

This is a good program which help you makeover the below 8 categories.

WHAT YOU WANT in YOUR LIFE???


They will guide you step by step and change to a DOABLE action.


STEP 1: WHAT DO YOU WANT?

STEP 2: WHY DO YOU WANT TO DO THIS?

STEP 3: WHY NOT? WHY DON't YOU ALREADY HAVE IT??

STEP 4: PLAN/ STRATEGY

STEP 5: FIRST ACTION


Friday, September 12, 2014

Stocks To Watch Aeon Co, Globaltec, IHH, Benalec, Melewar, and water-related stocks

This AEON sipeh creative, open a FURNITURE SHOP, I can't wait to go to IOI MALL and see.

This is the LINK of JV company, something like IKEA.

http://www.indexlivingmall.com/product/list.php?L1=192&L2=201

I am shareholder of IOIProperties.

Now looking at AEON.


Business & Markets 2014
Written by Charlotte Chong of theedgemalaysia.com  
Friday, 12 September 2014 21:41


A + A - Reset
KUALA LUMPUR (Sept 12): Based on news flow and corporate announcements today, the stocks that may be in focus on Monday (Sept 15) could include the following: Aeon Co (M) Bhd, Globaltec Formation Bhd, IHH Healthcare Bhd, Benalec Holdings Bhd, Melewar Industrial Group Bhd, and water-related stocks.

Department store-cum-supermarket operator Aeon Co (M) Bhd is venturing into the furniture retail market, with the opening of its first home and interior furnishing store in IOI City Mall, Putrajaya, in November.

Dubbed “AEON Index Living Mall”, AEON Malaysia managing director Nur Qamarina Chew said the new home and interior furnishing outlet, measuring 6,800 sq m, will be the group’s flagship store.

The new store will be run by AEON Index Living Sdn Bhd, which is a 70:30 joint venture with Index Living Mall Co Ltd — a Thai furniture company.

Aeon climbed 0.79% to end at RM3.84 today, resulting in a market capitalisation of RM5.4 billion.

Meanwhile, Globaltec Formation Bhd has acquired a 49% stake in Empangan Sejati Sdn Bhd (ESSB) in its bid to venture into the hydro-electric generation sector.

ESSB owns an indirect 50% stake in Manifest Frontier Sdn Bhd (MFSB), which is a joint venture set up with Perak Hydro Renewable Energy Corporation Sdn Bhd to develop, build and operate a small a small hydroelectric power plant, with an installed capacity of 15 MW at Sungai Perak, Lenggong.

The stock gained 0.5 sen to close at 10.5 sen today, with a market capitalisation of RM565 million.

Over at IHH Healthcare Bhd, the healthcare group has proposed to fully acquire Singapore-based Radlink-Asia Pte Ltd (Radlink) for S$137 million (RM346.5 million), from Fortis Healthcare Singapore Pte Ltd.

RadLink is engaged in providing healthcare services including outpatient diagnostic and molecular imaging services in Singapore.

IHH fell 0.2% to close at RM4.98 today, translating to a market capitalisation of RM40.73 billion.

Meanwhile, Benalec Holdings Bhd is proposing to issue a seven-year convertible secured bond (CB), with a nominal value of up to RM200 million. Most of the proceeds — about RM146.5 million — will be used for its reclamation works.

Benalec said the interest rate will be based on a fixed rate, to be determined prior to the issuance.

Its share price dropped 0.54% to 92.5 sen at 5pm today, with 1.92 million shares done, giving it a market capitalisation of RM739.5 million.

Melewar Industrial Group Bhd has proposed to divest its wholly-owned steel unit, Melewar Steel Sdn Bhd (MST), to Mycron Steel Bhd for RM70 million.

In a filing to Bursa Malaysia, Melewar said the consideration would be paid via 104.5 million new shares from Mycron at 44 sen per share for a total of RM46 million, and the novation of a RM24 million debt owned by Melewar to Mycron.

“The proposed disposal of MST will not result in any gain or loss to the Melewar group,” the company said in its filing.

Melewar fell 4% to close at an intraday low of 48 sen, with 7.26 million shares changing hands. Its market capitalisation was at RM108.3 million.

Water-related stocks Kumpulan Perangsang Selangor Bhd (KPS), Puncak Niaga Holdings Bhd, Gamuda Bhd, pipemakers Engtex Group Bhd, YLI Holdings Bhd and JAKS Resources Bhd, as well as Langat 2 water treatment plant contractors Salcon Bhd, Ahmad Zaki Resources Bhd, MMC Corp Bhd, could attract interests on Monday, following the signing of a master agreement today between the Federal government and the Selangor state government, on the Klang Valley water restructuring exercise.

In a joint statement today, Energy, Green Technology and Water Minister Datuk Seri Dr Maximus Ongkili and Selangor Menteri Besar Tan Sri Abdul Khalid Ibrahim said the master agreement was signed by Treasury secretary-general Tan Sri Mohd Irwan Serigar Abdullah, Selangor state secretary Datuk Mohammed Khusrin Munawi, Water Asset Management Co (PAAB) chief executive officer (CEO) Datuk Ahmad Faisal Abdul Rahman, and Pengurusan Air Selangor Sdn Bhd (PASSB) CEO Suhaimi Kamaralsaman.

“The share sale agreement between PASSB and the respective parties will be signed soon, which will complete the process of acquiring the Selangor water concession companies, and thus finalise the process of the water industry restructuring,” read the statement.

 

Copyright @ 2013 KLSE malaysia.