Are Your Savings Enough To Last A Lifetime?

on Friday, June 10, 2011

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

I'm back

on Thursday, September 3, 2009

Hoho.. 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




Kaka? Who is him?






Haha.. Presently, Kaka is one of the best footballer in the world together with Christiano Ronaldo and Lionel Messi. However in my perceptions and opinions, he is the best simply with one reason. He is a very devoted Christian! He always let everyone know he is the son of God through many ways during and just after a football matches in the stadium. Most of the matches are telecasted to almost every part of the world. The saddess part is he is still not a Manchester United's player which I hope he is.






Below are description on Kaka relationship with the real and creator of this universe, Heavenly Father which I quote from wikipedia.






Kaka






Ricardo Izecson dos Santos Leite (Portuguese pronunciation: [xiˈkaɾdʊ iˈzɛksõᵑ dʊs‿ˈsɐ̃ᵑtʊs ˈleɪ̯t͡ʃɪ]; born April 22, 1982), known as Kaká, is a Brazilian footballer who plays as forward and midfielder for Italian Serie A club Milan and the Brazilian national team. He was the recipient of both the Ballon d'Or and FIFA World Player of the Year awards in 2007, and was named in the 2008 Time 100. As of February 2009, Kaká along with Internazionale's Zlatan Ibrahimović are the highest salaried football players in the world.






Early life




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.






Personal Life and Religion






A devout evangelical Christian, Kaká became engrossed in religion at twelve: "I learnt that it is faith that decides whether something will happen or not." He removed his jersey to reveal an "I Belong to Jesus" T-shirt and openly engaged in prayer moments after the final whistle of Brazil's 2002 World Cup, and Milan's 2004 Scudetto and 2007 Champions League triumphs. He also had the same phrase, along with "God Is Faithful" stitched onto the tongues of his boots. During the postmatch celebration following Brazil's 4–1 win over Argentina in the 2005 FIFA Confederations Cup final, he and several of his teammates wore T-shirts that read "Jesus Loves You" in various languages.







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


Time is just running too slow... Can't wait to see this celebration from Man Utd... This time it would be more special and meaningful than previous 17 top flight league titles... Coz Man Utd will be equaling the 18 most top flight league titles currently holding by Man Utd's arch rival Liverpool...
Liverpool has been holding this record for 19 years... And I am strongly believe tomorrow Man Utd will share the record with them... Benitez, Captain Gerrard and co will becoming Liverpool first ever manager and players to see Man Utd equalling their long and proud record... What a shame that this has to happen on Steven Gerrard!!!

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...
Too bad, I am going to miss the celebration but then I will be looking forward to Liverpool's game on Sunday... I would love to see the faces of the Scousers!!! Sure very funny and exciting...
26 Hour 30 Minute to go...
and...
MANCHESTER UNITED CHAMPIONS AGAIN!!!
.:[ 18 ]:.

13th May

on Wednesday, May 13, 2009

This 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

古晋卫理公会主恩堂(石角)


主办


洞悉人生讲座会


讲题:动荡世界,人生何从?

讲员:萧招和牧师

日期:2009年5月14日(星期四)

时间:7:30晚上
地点:MJC主恩堂(Maybank楼上)
会后有茶点招待!