Maintain a comfortable lifestyle well into the future.
Young people nowadays are more concerned with living life luxuriously in the present than saving for their future needs.
However, the unexpected can happen at any time. Our jobs, families, and even physical health can present us with problems that we are not financially prepared for. That is when we will need to rely on our savings.
Everyone has to plan their budget and save at different stages of their lives. Savings can be used for a rainy day, tiding through times of illnesses, getting married, or even for the bigger things in life like tending to our children’s education needs, buying new home, and retirement.
According to recent survey, only 34% of Malaysians are putting aside money regularly for their retirement funds, much less their other future needs. *They seek material satisfaction instead of deferring their spending and fail to plan for wealth accumulation. Such a lifestyle will leave people ill-prepared for inflation and rising medical costs.
Inflation itself can be another intimidating factor. Today, three meals will cost someone RM20 a day, but in 20 years’ time, with inflation rate of 6% a year, those same three meals can cost up to RM64.** While this figure is suggested by our government to be 3,2% to 4.8%, wealth advisors have found that the figure can go up to 6% in urban areas.
EPF alone is not enough to tide most through retirement years.
In a recent EPF finding, it is reported that 60% of those withdrew all their contributions at 55 spent all of it within 3 years, leaving them destitute. With the life expectancy of men being 71 and women being 76, the average man now can go through the last 16 years of his life without income.***
But what can we do to avoid such a fate? The solution is simple: Start saving early. It is possible to plan our lifestyles in such a way where we can have what we want and still strengthen the bank account. From daily efforts like cutting back on our expenditure, and paying attention to our unnecessary splurging, we can plan our financial futures.
What Is Your Plan For Managing Your Finances?
Don’t put it off. The earlier you start, the more you stand to gain.
Sources:
* The Star, August 9th, 2007
** The Star, May 27th, 2007
*** The Borneo Post, Sunday, January 20th, 2008
Are Your Savings Enough To Last A Lifetime?
on Friday, June 10, 2011I'm back
on Thursday, September 3, 2009Hoho.. Peace upon all my friends... Hello everyone.. I'm back... Stay back for more update...
男人女人到底谁比较专一
on Thursday, June 4, 2009不同年齡男女的需求(我非常同意）
不同年齡男女的需求
【0 - 5 歲的時候】
女→媽媽。
男→媽媽。
【6 - 10 歲的時候】
女→不是討厭的男孩子就可以了！
男→可以陪我欺負女孩子的男孩。
【11 - 15 歲的時候】
女→十五六七八歲的大哥哥，千萬不要同年紀那班野蠻人！
男→足球，籃球，網球，乒乓球......
【16 - 20 歲的時候】
女→我要十七八歲差不多年紀大家都說讚的「大帥哥」！
男→女人，女人就可以了！
【21 - 25 歲的時候】
女→25-29歲的成熟男人，要有事業基礎，有品味，才華......
男→20-24歲漂亮又有身材的女人。
【26 - 30 歲的時候】
女→仍是堅持要比自己年紀大的男人。
男→20-24歲漂亮又有身材的女人。
【30 - 40 歲的時候】
女→心靈契合的好男人。
男→20-24歲漂亮又有身材的女人
【40 - 50 歲的時候】
女→男人。
男→20-24歲漂亮又有身材的女人
【50 - 60 歲的時候】
女→可與他終老的男人。
男→20-24歲漂亮又有身材的女人。
【60 - 80 歲的時候】
女→五六十歲時找到的那個男人，最好不需要自己照顧的。
男→20-24歲漂亮又有身材的女人。
【80 - 90 歲的時候】
女→比自己遲死的男人。
男→雖然我已經老花眼，看不清楚......但是我還是希望是20-24歲......
總結：男人打從20歲後...對女人的需求就十分專一。 所以男人比較專一
Kaka
on Wednesday, June 3, 2009
Kaká was born in Brasilia to Simone Cristina Santos Leite and Bosco Izecson Pereira Leite (a civil engineer). Although most Brazilian footballers come from poor families, there are exceptions and Kaká is one of them as he was born in a relatively rich family that encouraged him to focus on both school and football at the same time. His younger brother, Rodrigo (known as Digão), is also a professional footballer.
When he was seven, his family moved to São Paulo. His school had arranged him in a local youth club called "Alphaville," who qualified to the final in a local tournament. There he was discovered by Brazilian side São Paulo, who offered an assignment.
At the age of fifteen, Kaká suffered a career-threatening and possibly paralysis-inducing spinal fracture as a result of a swimming pool accident , but remarkably made a full recovery. He attributes his recovery to God and has since tithed his income to his church.
Kaká is a member of the organization Atletas de Cristo ("Athletes of Christ"). His goal celebration consists of him pointing to the sky as a gesture of thanks to God. Kaká's favourite music is gospel, and his favourite book is the Bible. Since November 2004, he has served as an Ambassador Against Hunger for the United Nations' World Food Programme, the youngest to do so at the time of his appointment.
Kaká was sworn in as an Italian citizen on 12 February 2007. He features prominently in Adidas advertising and also has a modeling contract with Armani, the latter preventing him from appearing in a photo collection alongside his Milan teammates that was published by Dolce & Gabbana in early 2007.
He married his childhood sweetheart Caroline Celico on 23 December 2005 at the evangelical Reborn in Christ Church in São Paulo. Their first child, Luca Celico Leite, was born in São Paulo on June 10, 2008.
Haha.. and according to Kaka.. after retire, he may consider to become a Pastor in Brazil! Glory to God!
26 Hour 30 Minute to go...
on Friday, May 15, 2009
Back to Man Utd!!! After the match against Arsenal, you will becoming the best club in England together with Liverpool!!! Hahaha... Hopefully 19th will be coming next year...
13th May
on Wednesday, May 13, 2009This is the day senior citizens of Malaysia will always remember in their heart... Don't ask me why this day is so significant... Hahahaha... If u are a true Malaysian, then u should have knew it...
Okok... Then what is this date so special or significant to me?
Hohohoho... Actually nothing la... Just that the weather for today is damn hot and humid... As hot as the 3am English Premier League match between defending EPL Champions Manchester United away to Wigan Athletic later in the early morning (Thursay morning)... Can't wait to watch this match later... and and... I really wish the broadcaster can show live picture on the faces of the Liverpool fans when Manchester United defeated Wigan Athletic... Hohoho.. Sure very interesting...
Ok... back to the weather... I wan't to condemn those leaders from big developed nations and those developing countries who very stuborn with the global warming issue... The scientists have warned you and us... the signals are very clear out there... and yet you assume nothing is going to happen... I can only say "YOU ARE VERY STUBBORN AND STUPID WHEN COME TO THE GLOBAL WARMING ISSUE!!!" because of your stubborn!!! we have to suffer!!! So 13th May should be remember as a day to condemn these leaders!!!
Yeah! After I have comdemned all these useless leaders.. I feel a bit cooler now... Hohoho...
洞悉人生讲座会（如场免费）
on Tuesday, May 12, 2009什么是豬流感（H1N1)？
on Tuesday, April 28, 2009‧是一種奇特的混合體
‧包含人流感病毒、禽流感病毒和豬流感病毒的基因片段
‧染病者最初出現類似普通流感症狀，包括發燒、咳嗽、喉嚨痛、氣促、肌肉和關節疼痛，在5天內會惡化成嚴重呼吸道疾病
‧主要受感染者是年輕人
‧暫時不清楚病毒為何會人傳人，專家呼吁民眾儘量避免到人多地方；切勿與人握手、親嘴或搭地鐵
‧美國CDC證實特敏福及樂感清可有效對抗病毒。不過，由於H1N1人流感對特敏福的抗藥性很高，若新病毒與人類或豬隻混合，可能會對特敏福產生抗藥性
‧目前仍未能確定流感疫苗能否抵禦這種新豬流感病毒，須再作進一步研究，但當局強調吃豬肉製品不會感染豬流感
What is swine influenza?
It is a respiratory disease of pigs caused by type A strains of the influenza virus. It regularly causes high flu outbreaks in pigs but with low death rates. There are four main sub-types of the virus, but the most recent isolated influenza viruses from pigs have been H1N1 viruses.
How does it spread?
Swine flu viruses do not typically infect humans though they do occur through close proximity or contact with infected pigs or contaminated areas. Cases of human-to-human spread have been documented.
What are the symptoms?
The symptoms are similar to those of regular flu:
- Fever
- Lethargy
- Runny nose
- Cough
- Sore throat
- Lack of appetite
- Vomiting and diarrhoea in some cases.
How common is swine flu infection in humans?
In the past reports of about one human swine flu virus infection had been received every one to two years in the United States. From December 2005 till February 2009, 12 cases have been reported.
Has this strain of flu been seen before?
No. Flu mutates constantly, so it is common for new strains to emerge. Pigs can also be infected with both human and avian influenza, and the current circulating swine flu strain appears to contain genetic elements from all three.
Can swine flu be treated with antiviral drugs and flu vaccine?
The swine flu is resistant to two common drugs – Amantadine and Rimantadine. The H1N1 swine flu viruses are very different from human H1N1 viruses. Therefore, vaccines for human seasonal flu would not provide protection. However, a “seed vaccine” has been specifically tailored to this swine flu and will be manufactured if officials deem it necessary.
Can people catch swine flu by eating pork?
No. Swine influenza viruses are not transmitted by food. Eating properly handled and cooked pork and pork products is safe. Cooking pork to an internal temperature of 70ºC and above kills the swine flu virus.
How long is someone with swine flu considered contagious?
People with swine influenza virus infection should be considered potentially contagious as long as they are symptomatic; possibly for up to seven days following the onset of the illness. Children, especially younger children, might potentially be contagious for longer periods.
What can I do to protect myself from the swine flu?
There is no vaccine available right now to protect against the swine flu.
However, you can help prevent the spread of germs that cause respiratory illnesses like influenza by:
- Covering your nose and mouth with a disposable tissue or handkerchief when you cough or sneeze. Throw the tissue in the waste basket after you use it.
- Wash your hands often with soap and water, especially after you cough or sneeze. Alcohol-based hand cleaners are also helpful
- Try to avoid close contact with sick people. - If you get sick with influenza, stay at home and limit contact with others to keep from infecting them.
- Avoid touching your eyes, nose or mouth.
- Consult your nearest healthcare facility if you think you have any of the symptoms.
Which countries have had cases of the swine flu?
The World Health Organisation (WHO) has confirmed human cases of swine flu in Mexico, the United States, Canada and Spain. Only Mexico has reported deaths from the new strain.
Are there any travel restrictions or advisories for Malaysians?
The Health Ministry on April 27 advised Malaysians against travelling to certain places in the United States, Mexico and Canada which have been affected by the swine flu.
What precautions are in place in Malaysia?
- The Health Ministry’s operations room in Putrajaya has started a 24-hour monitoring of the situation. The public can call 03-8881 0200/300 for enquiries.
- Those returning from Latin American countries and found to have flu-like symptoms will be quarantined.
- Health Ministry officials are conducting health screenings on passengers arriving from the United States.
- Thermal scanners will be placed at international airports to speed up the screening process for swine flu.
- Public and private medical practitioners have been instructed to report to the district health office any patient with influenza-like illnesses or severe pneumonia symptoms and who had travelled to the affected countries after April 17.
- Owners of the 797 pig farms nationwide have been ordered to immediately contact the nearest Veterinary Services Department office or the Animal Disease Control Centre if their workers or animals show symptoms linked to the swine flu.
Where can I get more information?
For more information, go to the Health Ministry (www.moh.gov.my) or call the Ministry's hotline at (03) 8881-0200/300.
Useful Links:
World Health Organization: www.who.int
Centers for Disease Control and Prevention: www.cdc.gov
Homeland Security Department: www.dhs.gov
WHO swine flu page: http://www.who.int/csr/disease/swineflu/en/index.html
Shout To The LORD
on Tuesday, March 24, 2009
My Jesus, my Saviour
Lord there is none like You
All of my days I want to praise
The wonders of Your mighty love
My comfort, my shelter
Tower of refuge and strength
Let every breath, all that I am
Never cease to worship You
Shout to the Lord
All the Earth, let us sing
Power and majesty
Praise to the King
Mountains bow down
And the seas will roar
At the sound of Your name
I sing for joy at the work
Of Your hand
Forever I'll love You
Forever I'll stand
Nothing compares
To the promise I have
In You
Kuching 30-Hour Famine 2009
on Monday, March 23, 2009
Simulator game challenge...
Quizzes time with Malaysia Idol Winner, Danell Lee
Talented kid performing 'face changing' skill
All the performing artist singing the 30-Hour Famine Official Song
My group members...
My group members during the last few hours of the camp...
Closing ceremony and countdown to the end of 30-Hour Famine by singing the official song
Posing after the closing ceremony with our certs...
This is our foods to break fast..I've got the power!!!
That's sum up my participation in last Saturday and Sunday 30-Hour Famine held in Kuching for the first time... My participation in this meaningful charity and awareness event has shown that I've got the ability, strength (physically and mentally)and desire to complete the requirement in this event. That is to fast for 30 hours which in fact I have fasted for 32 hours because of my last meal which was 2 hours before the official fasting time begun.
During the 30 hours fasting... I have been arranged to experience the hunger experience by the peoples in war zone, natural disaster, poverty countries in a well designed activities that really brought us to the real situation... the activities for first day included ice breaking to bring me to better know my group members, introduction to World Vision, simulator game challenge, quizzes, concert. Then the next day, second day, the activities included yoga exercise (shocking), sunday worship (conducted by District Pastor, Rev Ting and his Ching Kwong Methodist Church's brothers and sisters), introduction to Kuching's local charity organizations (Breakthrough, Habitats and can't remember the 3rd organization), simulator game challenge 2, watching an Iraqian-Iranian's award winning movie (Turtle Can Fly), drama presentation, sharing by World Vision's volunteers, and lastly closing ceremony and countdown to the end of 30-Hour Famine.
There were many activities were designed for me and those participants to involve in, but those really caught my attention were activities such as simulator games challenge 1 and 2, the movie, the Sunday Service, and of course the process of the whole event la... but i will only describe the simulator games coz it was really the highlight of the events cause it brought us into the real situation in those poverty affected places and countries.
The simulator game challenge 1 is to put us into a real situation after a 7 richter scale earthquake strike us. The whole game really brought us into the real post-earthquake situation. First, my family need to bring all the family members to a government temporary setup relieve centre to register names to the government and to get US$10 aid, the situation is very tense cause everyone rushing to the place. Pushing and pulling is unavoidable and we have to make sure our family members don't break-up during the pushing and pulling situation. If not, we are not allow to register and get the government US$10. After registered my family members and get the US$10,we need to build to house to accommodate 7 family members. We use newspaper and chair to build our 2 houses. We also need to make sure each house has at least 1 family member to stay inside and take care of the house from destroyed by the enforcement officer which is police. Haha, my family to eager to earn money and getting injection and food till our houses were destroyed by the police. Because we are building house illegally. At the same time, we also need to make sure everyone get an injection to prevent us from contacting with diseases and also to get free food from the government. The queue is very very long. We also need to raise some money in order to survive in this very difficult condition. As a result, apart from the clean and legal businesses and employment opportunities, many illegal businesses existed like drug trafficking, prostitution, child labour... so in order to raise money to feed all the family members, some peoples decided to use the shortest way just for survivor... So the whole game really expose us to experience the real life of a disaster places all over the world trying to survive that we can see from newspaper and TV but never able to really feel and experience it.
As for simulator game challenge 2, the game's objective is to bring us into a real situation in Calcutta, India to really experiencing how difficult it is to earn money to feed our family members in order for survival. The game need us to produce stars and then sold to the businesses and our earning will have to depend on the economic's theory of demand-supply. The price might go up if demand over supply or the price might come down if demand less than supply... and the price is keep fluctuating.. and then sometime when the business owners change their requirement on the size of the stars, it can be very frustrating because of the hardworks put on the stars became useless and need to produce the new stars according to the requirement by the market... the whole game really exposed us to the poverty peoples in the world on how they were very weak and have to allow the market to control their earning by the big and rich business owners...
In the end, the games really allow us to get into the real life of those poverty affected peoples all over the world... I have to say, we are very very lucky to be living in where are now.. we have many things which many poverty affected peoples don't have and yet we never satisfy with it but complain a lot. We really have to feel satisfy to what we have and to thanks God for what we have. At the same time, we must always remember those in needs, those unlucky peoples all over the world by helping in the we can help such as through donation, go to there to help them, telling and spreading love to everyone, touching and influencing our friends and anyone to come out and help those in needs.
So if there is another 30-Hour Famine in Kuching next year or next time... Grab the opportunity to participate the event.. Coz We've Got the Power!!!
I'm OFF again for 30-Hour Famine
on Friday, March 20, 2009Tomorrow Saturday 12pm til Sunday 6pm, I am going to disconnect myself from the world of Internet again...
This time, I am going to participate in a camp called "30-Hour Famine"... So... I will set to face another important test with Father in Heaven will be greatly helping me go through the whole activities of 30 hours with foods...
Don't worry, i will pass the test without much problem except donno how to sleep.. Hahaha... coz i don have thin mattress to bring... maybe just sleep on the floor...
So.. do remember me in the prayers... til then... cya!!!
柠檬水 & Lemon Peng 是不相同
on Monday, March 16, 2009哈罗！我会来了。。
上星期六我去到了诗巫。。今天中午才会到家。。
在那三天的时间里，我的任务首先是要先做一些的礼貌拜访，然后是到一个地方做宣言。。剩余时间便用在街上走走，吃吃一些当地著名的食物。。当然也会叫一些的饮料。。那么，LEMON PENG @ 柠檬水是我其中的最爱。。可是呢，偏偏就是这LEMON PENG @ 柠檬水出了一些的状况，什么状况呢？
原来，在这地方，当你叫一杯的LEMON PENG的话，你其实是在叫ICE LEMON TEA。。哈哈哈。。更好笑的是，当我的另外一位朋友叫ICE LEMON TEA时，他的确得的就是ICE LEMON TEA！我不服气，所以，我接下来在其他的咖啡店还是叫一杯的LEMON PENG两次。。结果不用多说。。一直到了昨天下午，其中一位的弟兄就一华语叫了柠檬水。。WOW！WHAT A SHOCK！他既然叫的就是我们在古晋所叫的LEMON PENG！！！
那时，在我的脑海里就作了我人生的一个定论！LEMON PENG 和 柠檬水是不同的。。我也得到另外一个定论，这定论只在诗巫成立而已！
所以，我能如何呢？就是哈哈哈喽！！！
我被应诺-埃及公主点到。。。哈哈
第一: 被点者请在自己的 Blog 里写下答案
第二: 请传另外十位的人
第三: 传阅人"请在于这十位当中斗留言版" 告知他(她)被点名了
第四: 这当中的十位的人‘不得拒绝’
第五: 被点者"请注明被谁点了"在哪接到 "在传给下十位"
第六: 这些 "被点名者" 你们被点会得到祝福, 并且 "愿望会实现" ,也会得到 "幸福套餐" 开始咯!!
幸福套餐 NO.1
01 你的绰号 : 猴子王，爱兄，VIN
02 年龄 : 28岁
03 生日 ：09、09、1980
05 兴趣 : 听歌，半夜看球赛，上网，看人谈天
专长 : 讲冷笑话，让人欺负
幸福套餐 NO.2
01 你有没有喜欢的人?: 好像有但也好像没有
02 是否在交往?: 那你说说有没有？
03 现在幸福吗?:
04 如果上天给你勇气，最想做什么事?: 想到埃及把埃及的公主枪出来，还有到马六甲动物园把RED PANDA救出来… 哈哈哈…
05 如果有天,你爱的人跟你告白的话?: 回去看看圣灵如何向我感动，然后在决定
幸福套餐 NO.3
01 最爱的节目: 足球赛现场传播
02 最爱的音乐:诗歌，90年代的歌
03 最爱的季节: 秋天
04 最爱的卡通: Doraemon, Tom & Jerry, Pink Panther
05 最爱的人: 家人，朋友
06 最爱的颜色: 红，白，蓝
07 最爱的国家: 马来西亚，英国
08 最爱的天气: 阴天
幸福套餐 NO.4
01 如果上天给你三个愿望: 1）把所有认识的人的灵名的救 2) 主恩堂的圣堂早日建好 3) 去英国
02 你是很专一的人吗?: 很想是
03 最深刻的回忆?: 念大学时的生活
04 你是个很有信心的人吗?: 最近是！因为有一位在天上的在带领我
05 你很爱微笑吗?: 不懂
06 如果你要放弃你现在的生活，你愿意吗?: 很难啊！
07 妄想什么样的生活?: 不知道
08 是否横刀夺爱才是爱?: 原始人的看法
调卷到此结束 "点人者请至于被点者的留言版" 告知被点名了!请列出于十位被点者:
黄旭，Eileen, 嘉丽，可月，KINO，JASON，可晴，ARWEN，EMILY
Shutdown Notice
on Friday, March 13, 2009
Hello Hello...
Hahahaha... Am I look happy? Yape, I am! Coz i am nervous...
Well whatever with my present condition, I just want to inform all my friends and readers that I am goin to Shutdown myself from Internet. I will be off for 50 hours beginning tomorrow (Saturday, 14-March-2009) 1030am onward. Should be the longest shutdown period for ONEVIN in year 2009.
So to Princess of Egypt, Cherry, Kiip, Siew Ling, Joshua, Leen, Emily Ting, Moon & Jni (if u read it) and anyone who know me please remember me in your prayers. I am off to Sibu for my little presentation on this coming Sunday (morning to evening i guess, coz most of the churches there got 3 sessions) on behalf of my church in the new church building fund raising mission there.
To Cherry, Moon & Jni, I will try my best to bring back the very anticipated Sibu's very owned Kongpia back to Kuching. Hahahaha...
Til then, God Bless All of U and Sayonara!
Best regards,
ONEVIN
骊歌
on Wednesday, March 11, 2009I found this song... My primary school time's song... Very nice and meaningful...
[ti:骊歌]
[ar:小虎队]
[al:再见
骊歌歌手:小虎队
词:李子恒
曲:陈秀男
编曲:ricky ho
南风又轻轻的吹送
相聚的光阴匆匆
亲爱的朋友请不要难过
离别以后要彼此珍重
绽放最绚烂的笑容
给明天更美的梦
亲爱的朋友请握一握手
从今以后要各奔西东
不管未来有多遥远
成长的路上有你有我
不管相逢在什么时候
我们是永远的朋友
凤凰花吐露着艳红
在祝福你我的梦
当我们飞向那海阔天空
不要彷徨也不要停留
不管岁月有多长久
请珍惜相聚的每一刻
不管多少个春夏秋冬
我们是永远的朋友
我们是永远的朋友
Malacca Zoo and Wedges...
on Tuesday, March 10, 2009This story was happened somewhere over the Stapok area...
Which Witch, Wished Which, Wicked Wish?
on Thursday, March 5, 2009
THEN... Cherry...
(Hope the 3 girls above won't get angry la... Laughter is the best medicine ma.. can cure ppl's sickness is the greatest job on Earth! God will sure bless all 3 of you! =))
诗巫十大卫理教会(1)
on Monday, March 2, 2009平均有450人崇拜人的教会呢？在诗巫是排第九或第十的也就是我那将要去拜访和筹款的教会。
这450崇拜人数的教会名字呢？别问我。我也不知道。因为太多名字，一时记不起来。
我只知道上帝安排一个按照上帝旨意当中认为最适合我去筹款的教会。可能是我对天父的信心才让我可以去十大排行榜中最小的教会。真是感谢我的天父。
有人欢喜，当然也有人愁！哈哈哈。。。因为很多弟兄姐妹也有参与的也想去那在名单里最小的一间。我还记得昨晚我说我要去最小的一间，他们的反应是“哪里可以？”但是，刚才就有人就告诉我，我被送去十大最小的一间。那时的感觉是“感谢天父！”。
To be continue...
A Christian
on Tuesday, February 24, 2009
Watch your character; it becomes your destiny.
I'm glad a friend forwarded this to me as a reminder. So, I choose to forward it to you - my friend. God bless you; I hope you are having a wonderful day!