Cash book very Important for a business:

Cash book:
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Cash book is the final record of all money that come into and goes out of your business .We can see the cash flow frow the cash book.It is a important for a business.


How to prepare it:

1. You sohuld prepare a long book and seprate to few categori.
2. You should collect all the receipt ,bank statement, copy of your invoice ,copy of Delivery order,supplier invoice,copy of your own invoice ,all the copy of the payment made or receive.
3. THen you can seprate to two section in you cash book :Payment and receive
4. FIll in the data accordding the receipt or copy of payment and your income.
5. According wheather is by Cash ,bank or credit card.
6. At last day of the month calculate the balance.
7. Remenber income put in debit side(left hand side), payment put at kredit side(right hand side) and remember record the detail with the amount.

Advantage to prepare a cash book:

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• You can eassily know where is you cash flow
• You can check back where your money come and where you money go
• You can take to referrece the monthly bank statement .See which cheque is cancelled or..................
• You also can reference the debt balance with cash book.
• Cash book is important to make one accaunt for your business.

WIthout cash book we cannot monitor our business and can't calculate our nett profit and asset .Are you already prepare cash book for your business?

Breaking news!!!!!!!!!!!!!!!

16/10/2007---------***Today breaking news***

CRUOIL Price:-------us dolar87.7 +1.60=RM295.54

The cruoil price reach the highest price yester day in US market,it effect almost whole world share market drop.I think it will raise until 90$us dolar in short term Should me decide to sell my car and take bus .^^

KLSE today was dropped about 2point.Althought not so many, but it will bring a bad economy in the future addon the secondary house loan in US start to become bad,many US people cannot pay the house loan and become bankrupt ,this will make the bank increase their bad debt .

My conclusion is the world finiancial criss comming soon,now not a good time to invest,lets keep the money to FD(fix deposit).

tHIS IS A AGENCY THAT PROVIDE BY GOVEMENT TO HELP ...

This is a agency that provide by govement to help the people in finiancial problem:
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Today i open news paper ,I seek this advertisement,It may be help ful to everyone in Malaysia, AKPK is an agency set up by Bank Negara Malaysia to provide

• money management
• credit counselling education
• loan restructuring services to individuals

Their services is offered free of charge.

Requitment and condition:

People that :

• Not an undischarged bankrupt
  
• Individuals unable to manage their own debts
  
• Must have positive net income
  
• Not under advanced legal action
  
• No advanced litigation taken by non-financial institution
  
• No loans taken from institutions not regulated by Bank Negara
  
• Loan exposure of less than RM2million

Application Form condition:

• Photocopies of your salary slips for last 3 months
• income and expense statements if self employed
• Photocopy of your BE Form and EA statement
• Credit card statements for last 3 months
  
• Application forms can be obtained from
  AKPK office branches of financial services providers
  branches of Bank Negara Malaysia .
  

USEFUL LINK :http://www.akpk.org.my/contact.htm

Saving$$

***SAVING***
====================================
Saving is good for our future,we can get many benefit when we have this attitude .The profesional say: we should prepare about 6 month salary for our saving .What benefit when we saving?

• We can use it when something emergency happen
• We can make our hope become truth.Example:Travel around the world,build a dream house or a dream car
• We also can invest our saving money to make more money.Example : unit trust,small business and share market.
• We also can use that money for our education or our child education
• With saving, can control us without spend our money maksimum.
  

Saving can make our life better and make us no to face for the finiancial problem, so saving is important for a individul,a family ,even a country.How to saving???

1. We can control ourself saving minimum Rm1 per day
2. We can put the saving money into a bank with open a saving account .
3. When you have a certain amount of saving you can put in Fix deposit to get more higher interest with low risk.
4. Beside this you also can invest a medium risk unit trust ,it maybe give u dividen that higher then fix deposit.
5. Share market is that higher risk finiance product, but it can give u a great return but also can make u loss all your saving.
6. Another idea is buy some prenium,it can be saving/investment and also give u a protection for your life.

My suggest is your can make your saving to few investment 40%for fix deposit /saving account, 30%for your unit trust because the risk not so high but can get more dividen,20%for your prenium that can protect us in life and also can be a investment product ,and lastly 10 %for share market because it is the most high risk investment product.Remind ,Don't try to invest share market without any knowledge ,you should get more knowledge before invest share ,If you invest share without knowledge,you will get another thing, that is experience,but this thing will make you pay(loss) fee for this knowledge.SO be prepare before involve in this market.

*******INVESTMENT ALWAYS GOT RISK , SO BETTER DON'T PUT ALL YOUR SAVING FOR INVESTMENT**********

Why no money?

Why people always say no money?Because their do not plan for their own finiancial properly.When your spend more than your income and without saving in a month.That mean there is a problem in your individu finiancial.

When you face this problem, don't want nervous and try to get more money from the illegal or legal Finiance Agency to slove this money problem(not enough money to spend).This will make more problem for you monthly finiancial .Example:credit card,personal loan.......

Those Finiance Agency product will make you more spend in future.EXample :

• PAY THE INTEREST
• PAY THE CAJ BANK

Those fee will make you future more worst.THen how to solve this problem:

• SPEND LESS
• SPEND WITH SMART
• FIND OTHER WAY TO INCREASE THE INCOME
• TRY TO DECREASE OTHER EXTRA SPEND BESIDE BASIC LIVING NEED

How to that:

1. We can list out our nett income
2. We can list out our spend
3. We try to control our desire
4. We can try to live a simple life with basic living need(small house,small car or motor,eat lightly..........)
5. After that, we only try to increase our income (working part time,find some MLM ,try to earn commision, invest some low risk investment, find some job provide living place and other benefit )but don' try to invest share market,because it is a HIGH risk market.
6. When you keep this life style longer, you will find many benefit to you,when you have extra money must remember to SAVING.

**********Why Saving...................................(to be continue ^^ I gtg bye)***********

international reserve

International Reserves of BNM as at 28 September 2007

The international reserves of Bank Negara Malaysia amounted to= RM335.4 billion (equivalent to USD98.2 billion)

The reserves level as at 28 September 2007 has taken into account the quarterly revaluation gain, following the strengthening of the major currencies against ringgit during the third quarter.

The reserves position is sufficient to finance: 8.8 months of retained imports and is 7.1 times the short-term external debt.

USEFUL LINK: http://www.bnm.gov.my/

HAPPY Birthday to someone 生日快乐

Wish someone HAPPY BIRTHDAY in 2 oktober be happy forever ........

<<<< Do you like this mini cake ^^

What is your wish plz said it here ________________^^
WHat present you want plz say it here______________^^


*** HAPPY BIRTHDAY***

***生日快乐***

*** Selamat hari jadi***

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WISH YOU BE SMILE ALWAYS :

**************祝你笑容满脸****************