{"id":7728,"date":"2024-05-18T12:37:00","date_gmt":"2024-05-18T12:37:00","guid":{"rendered":"https:\/\/people.utm.my\/nizamray\/?p=7728"},"modified":"2024-07-03T01:12:14","modified_gmt":"2024-07-03T01:12:14","slug":"benda-ni-bukan-kita-minta","status":"publish","type":"post","link":"https:\/\/people.utm.my\/nizamray\/2024\/05\/18\/benda-ni-bukan-kita-minta\/","title":{"rendered":"*Benda ni bukan kita minta*"},"content":{"rendered":"\n
\"\"<\/figure>\n\n\n\n

Simpan emas bukan sebab kita kaya<\/p>\n\n\n\n

Sebab kita bukan orang kaya la kita kena beringat. KENA ADA SIMPANAN. Andai tiba waktu kecemasan tak lah kita menggagau nak cari duit kat mana. Kalau ada orang nak payungkan time tu, alhamdulillah rezeki la tu. Tapi kalau takde?. Tak kan nak paksa!<\/p>\n\n\n\n

Kita sama-sama beringat.<\/p>\n\n\n\n

Kata pakar-pakar kewangan, setiap dari kita perlu ada simpanan dana kecemasan. Ada yang kata 3 bulan gaji dan lebih baik jika ada 6 bulan gaji.<\/p>\n\n\n\n

Tapi bagi saya, kalau ada lebih banyak adalah lebih baik sebab ianya boleh buatkan kita bertahan lebih lama ketika kecemasan (gawat).<\/p>\n\n\n\n

Cuba bayangkan jika kita tiada simpanan dana kecemasan? Kita perlu hidup selama itu tanpa pendapatan. Mana nak bayar hutang rumah, kereta dan keperluan hidup?<\/p>\n\n\n\n

Mana nak membiayai kehidupan anak-anak, isteri dan ibu bapa? Boleh pening kita dibuatnya dengan hidup dalam tekanan yang amat berat.<\/p>\n\n\n\n

Memang duit bukan segalanya. Tapi zaman sekarang segalanya perlukan duit. Semua perkara buruk yang terjadi ni bukan kita mintak.<\/p>\n\n\n\n

Sebab tu lah masa kita senang, pakar menyarankan kita buat simpanan at least 10% dari pendapatan.<\/p>\n\n\n\n

Buatlah secara konsisten sehingga jumlah simpanan mencapai jumlah 3 atau 6 bulan gaji.<\/p>\n\n\n\n

\ud835\udde0\ud835\uddf2\ud835\uddfa\ud835\uddee\ud835\uddfb\ud835\uddf4 \ud835\uddf1\ud835\ude02\ud835\uddf6\ud835\ude01 \ud835\ude00\ud835\uddf6\ud835\uddf3\ud835\uddee\ud835\ude01\ud835\uddfb\ud835\ude06\ud835\uddee \ud835\uddfd\ud835\uddee\ud835\ude06\ud835\uddee\ud835\uddf5 \ud835\uddf8\ud835\uddf6\ud835\ude01\ud835\uddee \ud835\uddfb\ud835\uddee\ud835\uddf8 \ud835\ude00\ud835\uddf6\ud835\uddfa\ud835\uddfd\ud835\uddee\ud835\uddfb. \ud835\uddd7\ud835\ude02\ud835\uddf6\ud835\ude01 \ud835\uddfb\ud835\uddf6 \ud835\uddef\ud835\uddf2\ud835\ude00\ud835\ude01\ud835\uddfb\ud835\ude06\ud835\uddee \ud835\uddf8\ud835\uddf6\ud835\ude01\ud835\uddee \ud835\uddfd\ud835\uddf2\ud835\uddff\ud835\uddee\ud835\uddef\ud835\uddf6\ud835\uddf5 \ud835\uddef\ud835\ude02\ud835\uddee\ud835\ude01 \ud835\uddf2\ud835\uddfb\ud835\uddf7\ud835\uddfc\ud835\ude06.<\/p>\n\n\n\n

Benda ni pulak fakta yer. Sebab tu kita perlu bijak cari jalan penyelesaian.<\/p>\n\n\n\n

Dari apa yang saya belajar dan ada ilmu sikit ni, kita boleh tukarkan simpanan duit jadikan simpanan emas.<\/p>\n\n\n\n

Ini adalah kerana sifat emas bertentangan dengan sifat duit. Emas ni bestnya kita simpan, simpan dan terus menyimpan.<\/p>\n\n\n\n

Jangan kita lupa yang emas juga adalah alat kewangan. Emas itu adalah aset dan boleh menjadi duit tunai segera bila keadaan memerlukan.<\/p>\n\n\n\n

Jika kita boleh berdisilpin menyimpan duit sekali pun, kita perlu simpan emas kerana sifat nilai duit makin lama makin jatuh. Sebaliknya nilai aset emas makin lama makin naik.<\/p>\n\n\n\n

Kebanyakan orang memang tak berminat apa yang saya katakan ini (simpan emas), Bila keadaan terdesak, baru anda akan sedar.<\/p>\n\n\n\n

Begitulah..
1gram Emas 1bulan 1keluarga<\/p>\n","protected":false},"excerpt":{"rendered":"

Simpan emas bukan sebab kita kaya Sebab kita bukan orang kaya la kita kena beringat. KENA ADA SIMPANAN. Andai tiba waktu kecemasan tak lah kita menggagau nak cari duit kat mana. Kalau ada orang nak payungkan time tu, alhamdulillah rezeki la tu. Tapi kalau takde?. Tak kan nak paksa! Kita sama-sama beringat. Kata pakar-pakar kewangan, […]<\/p>\n","protected":false},"author":663,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-7728","post","type-post","status-publish","format-standard","hentry","category-emas","entry"],"_links":{"self":[{"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/posts\/7728","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/users\/663"}],"replies":[{"embeddable":true,"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/comments?post=7728"}],"version-history":[{"count":1,"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/posts\/7728\/revisions"}],"predecessor-version":[{"id":7730,"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/posts\/7728\/revisions\/7730"}],"wp:attachment":[{"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/media?parent=7728"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/categories?post=7728"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/tags?post=7728"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}