DOCTORS, SHOW ME D MONEY HAHA

New doctors need money to buy houses cars etc.. =)
plan and spend ur money wisely.

1)your income per month? newcomers, you are in the UD41 slot okey.other slots are provided for your future reference..

PENGIRAAN EMOLUMEN DAN ELAUN PEGAWAI PERUBATAN/PAKAR

Emolumen	Gred
	UD41	UD43/44	UD47/48	UD51/52	UD53/54
Base salary (MINIMUM)	RM2,458.39	RM3,028.90	RM4,431.54	RM4,992.31	RM5,258.09
Public service allowance	RM 300.00	-	-	-	-
Entertainment allowance	-	RM 400.00	RM 550.00	RM 600.00	RM 800.00
COLA	RM50-150	RM100-300
Housing allowance	RM 210.00	RM 400.00	RM 700.00	RM 700.00	RM 900.00
Critical allowance	RM 750.00
Specialist allowance	-	RM1,900.00	RM2,200.00	RM2,300.00	RM2,900.00
TOTAL W/O SPECIALIST ALLOWANCE	-	RM4,678.90	RM6,531.54	RM7,142.31	RM7,808.09
TOTAL	RM3,768.39 (MINIMUM)	RM6,578.90	RM8,731.54	RM9,442.31	RM10,708.09

 

PENGIRAAN EMOLUMEN DAN ELAUN PEGAWAI PERUBATAN

(KELULUSAN SARJANA / DIPLOMA KESIHATAN AWAM)

Emolumen	Gred
	UD41	UD43/44	UD47/48	UD51/52	UD53/54
Base salary (MINIMUM)	RM2,458.39	RM3,028.90	RM4,431.54	RM4,992.31	RM5,258.09
Public service allowance	RM 300.00	RM 400.00	RM 550.00	RM 600.00	RM 800.00
COLA	RM50-150	RM100-300
Housing allowance	RM 210.00	RM 400.00	RM 700.00	RM 700.00	RM 900.00
Critical allowance	RM 750.00
Public Health allowance	RM1,040.00	RM1,120.00	RM1,360.00	RM1,440.00	RM1,760.00
TOTAL	RM4,808.39 (MINIMUM)	RM5,798.90	RM7,891.54	RM8,582.31	RM9,568.09

 

PENGIRAAN EMOLUMEN DAN ELAUN PEGAWAI PERUBATAN

(KELULUSAN SARJANA/DIPLOMA PENTADBIRAN HOSPITAL)

Emolumen	Gred
	UD41	UD43/44	UD47/48	UD51/52	UD53/54
Base salary (MINIMUM)	RM2,458.39	RM3,028.90	RM4,431.54	RM4,992.31	RM5,258.09
Public service allowance	RM 300.00	RM 400.00	RM 550.00	RM 600.00	RM 800.00
COLA	RM50-150	RM100-300
Housing allowance	RM 210.00	RM 400.00	RM 700.00	RM 700.00	RM 900.00
Critical allowance	RM 750.00
Public Health allowance	RM 910.00	RM 980.00	RM1,190.00	RM1,260.00	RM1,540.00
TOTAL	RM4,678.39 (MINIMUM)	RM5,758.90	RM7,721.54	RM8,402.31	RM9,348.09

 

EMOLUMEN DAN ELAUN PAKAR PERUBATAN

GRED KHAS C, B & A

Emolumen	Gred
	C	B	A
Base Salary	RM6,595.99	RM7,064.26	RM7,766.66
Entertainment allowance	RM2,150.00	RM2,650.00	RM3,300.00
Housing allowance	RM1,300.00	RM1,600.00	RM2,000.00
Specialist allowance	RM2,900.00
Special Incentive allowance	RM400.00	RM600.00	RM1,000.00
Maid Allowance	RM500.00
Fixed Allowance for Special grade and JUSA post	RM810.00	RM1,200.00	RM2,000.00
House repair allowance ( yearly payment )	RM166.67
TOTAL	RM15,822.66	RM16,680.93	RM19,633.33

 

PENGIRAAN EMOLUMEN DAN ELAUN PEGAWAI PERUBATAN

GRED ( KHAS ) JUSA C, B & A.

Emolumen	Gred
	C	B	A
Base Salary	RM6,595.99	RM7,064.26	RM7,766.66
Entertainment allowance	RM2,500.00	RM3,050.00	RM4,000.00
Housing allowance	RM1,300.00	RM1,600.00	RM2,000.00
Special Incentive allowance	RM500.00	RM750.00	RM1,250.00
Maid Allowance	RM500.00
Fixed Allowance for Special grade and JUSA post	RM1,000.00	RM1,500.00	RM2,500.00
House repair allowance ( yearly payment )	RM166.67
TOTAL	RM12,562.66	RM14,630.92	RM18,183.32

Reference : PEMBANGUNAN KERJAYA KKM


2) now i want to buy a house lah. a new home ownership scheme was launched by the Gov few months ago for young workers ... for us!!

 

Skim Rumah Pertamaku (SRP) - My First Home Scheme

105% loan.

the scheme will enable young adults to enjoy a 100% home loan. And if you are not satisfied with just 100%, there is an allowance of additional 5% to finance the purchase of your mortgage insurance.very2 good rite?

Eligibility criteria:

1. You are a Malaysian.
2. You are young. (age 36 or less by next birthday)
3. You are buying your FIRST house.
4. You earn less than RM3,000 per month. (GROSS salary)
5. You are a confirmed employee who have worked for at least 6 months.
6. You are NOT self employed (young entrepreneurs, too bad).

All the criteria above checked?

Good, next;

If you are planning to have a joint applicant:

1. Make sure he/she meets all the criteria above.
2. Boyfriend / Girlfriend? Cannot. Go get your ROM done first.
3. Spouse / siblings only. Uncle's wife's cousin's sister-in-law is not a sibling.
4. His/her income cannot be more than RM3,000 per month also.

Still eligible?

Good. Now, you can start looking for a property.

Property criteria:

1. Priced from RM100,000 to RM220,000
2. Residential property only

What about repayment criteria?

1. You must have savings equivalent to 3 TIMES the amount of installment in your bank.
2. The combined income must be 3 times your monthly commitments.
3. OR, combined income is 2 times your monthly commitments.

Example:

• Price of property: RM200,000.00
• Monthly installment: RM950.00

Other existing loans held by applicant:

Car loan: RM500 per month

Personal loan: RM150 per month

Total monthly commitments = RM950 + RM500 + RM150 = RM1,600.

1) You must have at least RM950 x 3 = RM2,850 in your bank savings.

2) Your combined salary must be also be at least RM1,600 x 3 = RM4,800.

3) IF your combined salary is only RM1,600 x 2 = RM3,200 , you can still apply for the loan but you will have to obtain Cagamas SRP's approval prior to the submission of the loan.

Still eligible for the loan? Congratulations!

Here are the features of the loan:

1. Installments are deducted directly from your pay or standing instruction.
2. Non-redrawable facility only. Not eligible for flexi-loan plans.
3. Loan tenure to be 30 years or less.
4. Legal fees / stamp duty / valuation fees to be paid by cash.
5. 5% additional loan to finance mortgage insurance (MRTA).
6. Property must be owner occupied. So please do not stamp any tenancy agreement!

Want to apply right away?

Just go to the following participating banks:

1. Affin Bank Bhd / Affin Islamic Bank Bhd
2. Alliance Bank Malaysia Bhd / Alliance Islamic Bank Malaysia Bhd
3. AmBank Bhd / AmIslamic Bank Bhd
4. Bank Islam Malaysia Bhd
5. Bank Muamalat Malaysia Bhd
6. CIMB Bank Bhd / CIMB Islamic Bank Bhd
7. EON Bank Bhd / EONCAP Islamic Bank Bhd
8. Hong Leong Bank Bhd / Hong Leong Islamic Bank Bhd
9. Maybank Bhd / Maybank Islamic Bank Bhd
10. OCBC Bank Malaysia Bhd / OCBC Al Amin Bhd
11. Public Bank Bhd / Public Islamic Bank Bhd
12. RHB Bank Bhd / RHB Islamic Bank Bhd
13. United Overseas Bank Malaysia Bhd
14. Standard Chartered Bank Malaysia Bhd / Standard Chartered Saadiq
15. Cagamas Bhd

3) owh the  hospital is NOT next to my house. i need a nice car =)
any good offer available on market?

dont worry.the gov can do it for us...again.hehe.read this

yeah inspira maybe?..haha



4) need extra money? of course u must keep extra money for your future..they say dont work for money ,let the money works for u hehe


A) ASB

Amanah Saham Bumiputera (ASB) is a must have for all Bumiputras in Malaysia.
. The reason? Units Trusts which are low risk, capital guaranteed, and only cost RM1 per unit are hard to come by. Especially those who return 7% p.a.it is a good divident p.a. man..
The Basics
Amanah saham is simply the Malay word for unit trust. The term is widely associated with unit trust schemes managed by Permodalan Nasional Berhad (PNB).
ASB was launched on May 1989 and may be the most popular unit trust scheme of PNB thanks to its open-ended structure and many benefits. Here more info on the ASB scheme and why it is so interesting:

1. Low-Risk
2. Capital guaranteed
3. Price per unit is RM1.00
4. Dividends are exempt of tax
5. No sales or redemption charge
6. Dividends are computed monthly, but are calculated annually
7. Open to Malaysian Bumiputras aged 18 and above. A Trust can be set up for those aged between 12 and 18
8. You can only invest up to RM200,000, but your balance can be higher thanks to compounding growth

All this sounds pretty solid by itself. But what really sets this fund apart is its Bumiputra specificity. Thanks to it, PNB will always strive meet Bumiputera’s interest by directing most of its profits to ASB.  This explains why ASB has consistently out-performed other PNB Schemes (ASN, ASN 2, ASW 2020, ASM etc.) and why the following performance are so good.
Fund Performance

	2006	2007	2008
Net distribution per unit (sen)	7.30	8.00	7.00
Bonus per unit (sen)	1.25	1.00	1.75

As you can see, the returns are pretty juicy for such a safe scheme.waaa..unbelievable.. =P
ASB returns and flexibility offer a great venue for Malays to start investing and build up their equity. After all, such schemes were set up for just this purpose (A little history on Amanah Saham Nasional and PNB), and everybody should take up this low hanging apple and have some ASB in their portfolio mix.!! so what are u waiting for? go get it now !! hehe


B) MUTUAL FUNDS eg Public Mutual fund

read this carefully:  info regarding unit trust and its prospect

choose the best product .of course it should be a shariah oriented fund : funds



the last but not least, jangan boros
bye =)