Engku Diana

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[Engku Diana @DianaEngku]

Nak wedding taraf kayangan ke biasa, anak nanti nak sekolah mcm mana. Semua ni expectation, kalau tak communicate mmg takkan tahu.

[Engku Diana @DianaEngku]

Bukan hanya benda yang nampak mcm status, income atau pendidikan sahaja, tapi family values. Ada family mmg tak heran pun birthday anak tak pernah buat party, hadiah pun takde cuma keluar makan2. Ada family tiap2 tahun kena buat birthday party anak kat sekolah.

[Engku Diana @DianaEngku]

Ada yang tanya saya, berapa income yang kira level have2?  Jawapan saya, have2 untuk si A maybe gaji rm20k tapi have2 untuk si B gaji 100k. 

Bila kahwin pentingnya ada discussion on financial.

[Engku Diana @DianaEngku]

What is financial expectation in marriage? Ada quote William Shakespear yg cakap ‘Expectation is the root of all heartache’. 

Dalam Islam ada sebut pasal sekufu. Kita semua datang dari latar belakang berbeza.

[Engku Diana @DianaEngku]

Then client cakap, tapi kalau tukar nama dan anak angkat tu pendek umur, semua akan jadi harta pusaka anak. Family asal anak yg ada dapat hak faraid. Tak pernah terpikir sejauh tu sebelum ni. Disinilah perlunya perbincangan apa yang terbaik dan realistik utk setiap keluarga.

[Engku Diana @DianaEngku]

Salah satu concern yang biasa ada bila berbincang dengan client tentang perancangan harta pusaka adalah bila client ada anak angkat. Kes ni anak angkat umur lebih 18 tahun. Client ckp ramai yang suggest nak senang tukar lah nama property yang ada siap-siap pada anak angkat.

[Engku Diana @DianaEngku]

Duit pun boleh letak je dalam akaun anak terus. Biasanya, kalau suggestion macam ni akan terus terpikir, kalau hati anak berubah mcm mana? Rumah, duit semua dah atas nama dia. Bukan kes anak angkat je tapi anak kandung pun. Jangan sampai mak ayah pulak merempat di hari tua.

[Engku Diana @DianaEngku]

Memang byk jawapan kat post tu, share quotation masing2 yang cheaper. Tapi is it what the client need and sesuai dgn keadaan kewangan dia? 

Sebab tu lah social media bukan la tempat sesuai untuk kita tanya soalan financial specific pada diri kita.

[Engku Diana @DianaEngku]

Nampak satu post semalam tanya pasal plan takaful yg dia ambik. Soalan dia, umur saya XX adakah plan takaful saya bayar RMxxx terlalu mahal untuk saya. 

Ada 2 benda yg kena tau kat sini:

[Engku Diana @DianaEngku]

1)Details of the plan - plan jenis apa, cover apa, coverage berapa, sampai umur brp etc 
2)Information on the person - gaji berapa, expenses berapa, hutang berapa, tanggungan berapa etc

[Engku Diana @DianaEngku]

Kalau boleh i nak dia duduk jauh dan tak rasa obligated untuk continue to provide for his sibling. That’s something yg dia rasa dia kena buat for his family. Hanya the parents tau apa strugglenya, apa yg kam i boleh bantu is to make sure dia achieve it financially.

[Engku Diana @DianaEngku]

Sharing from a colleague on her experience meeting client with OKU child. Parents want to prepare for the kid in case they are no longer around, can their child survive on his own. His kid can make his own decision, boleh communicate but limited.

[Engku Diana @DianaEngku]

One of the parent’s main concern if anak dia tak boleh bekerja, is to make sure anak ni ada sustainable income sepanjang hayat. Bila tanya, takde adik beradik lain ke? Jawapan ayah dia, ada tapi i tak nak this become a burden to him.

[Engku Diana @DianaEngku]

I need to understand more on apa intention dia, situation sekarang macam mana, apa concern dia. There no one solution fits all. Setiap orang lain2 keperluan dan situasi. 

Do book my time via Calendly if you need to have a chat on making your own financial decision making.

[Engku Diana @DianaEngku]

Goal is to get the best possible (dunia akhirat) with the money that we have. We dont need to be a megabillionaire to have that life. We just have to have wise money management.

[Engku Diana @DianaEngku]

Met a prospect recently on her concerns about estate planning. Dia ckp you’re different. She shared, sebelum ni dah jumpa org lain, rasa macam kena harrassed untuk ambik produk dia. 
I just asked her a lot of questions.

[Engku Diana @DianaEngku]

Why renting can be a better option for a lot of younger generations nowadays

[The Futurizts @TheFuturizts]

An average apartment in Malaysia costs about RM582,000.

At 4% financing, the monthly mortgage payment is RM2,779 across 30 years.

By budgeting, your payments should not exceed a third of your monthly income.

So, your salary should be RM8,300 or above.

But only 16% of the formal workforce earns more than this figure.