Things You Shouldn't Do During a Recession

1. Becoming a Cosigner
Cosigning a loan can be a very risky thing to do even in flush economic times. After all, if the individual taking the loan doesn't make the scheduled payments, the cosigner could well be asked to make them.
However, during an economic downturn the risks associated with cosigning a note could be even greater as the person may be at greater risk of losing his or her job and the means to pay down the loan. Also, the cosigner is more likely to land in the unemployment line as well.
With all that in mind, there are times when you may find it necessary to cosign for a family member or close friend regardless of what's happening in the economy. In such cases, it pays to have some money set aside as a cushion.

2. Getting Into an Adjustable-Rate Mortgage
When purchasing a home, some individuals may choose to take out an adjustable rate mortgage (ARM). In some cases, this move might make sense. After all, as long as interest rates are low, the monthly payment will be low as well.
However, what if the individual were to be laid off and interest rates were to rise as the recession or slowdown started to abate? As rates rise, the monthly payment may go up. In such a case, the homeowner may find it extremely difficult to come up with the money to make the payments. Keep in mind that late payments or non-payment can have an adverse impact on the individual's credit rating, which can in turn make it more difficult for them to obtain a loan at a future date.

3. Adding Debt
Taking on new debt (such as a car loan, home loan or similar obligation) may not be a problem in good times if the individual makes enough money to cover the monthly payments and still has extra funds to live on and to save for retirement. However, what happens if the individual's livelihood is adversely affected in the midst of the economic turmoil? What happens if the borrower is laid off?
In many cases, recently laid off individuals may have to take jobs that pay less than their previous salaries just to make ends meet and to keep money coming in the door. Unfortunately, the new income may not be anywhere near the amount they had previously earned. When this happens, savings can quickly dwindle away.
In short, if you're considering adding monthly payments/debts to your financial equation, understand that this could complicate your financial situation if you are laid off or have your income cut for some reason. Taking on new debt in a recessionary environment is risky, and should be approached with caution.
Remember, over leveraging yourself at any point can lead to financial setbacks. This can prevent you from achieving your longer-term financial objectives. In a worst-case scenario, it could even contribute to bankruptcy.

4. Taking Your Job for Granted
During an economic slowdown, it's important to understand that corporations, even large ones, may be under financial pressure. And when that happens, many companies will try to reduce expenses any way they can. In some instances, that may mean scaling back on company functions such as holiday parties, but in other cases, companies may cut the dividends they pay, and sometimes companies will cut jobs as a means of saving money.
Job cuts are targeted by many companies that are struggling because the cost of keeping an employee on board can be huge. Think about it. Sometimes in addition to salary, the employer may also have to contribute to healthcare costs and/or make retirement contributions.
Because the employment situation during a recession may be so fragile, employees should generally try to do all they can to make sure their employer has a favorable opinion of them. This may mean coming to work early, staying late and of course doing top-notch work at all times. While there is no guarantee this will save your job, it could make you important enough to your company to ensure you're kept on the payroll.

5. Taking Risks With Investments
Business owners should always be thinking about the future. They should always be thinking about new and exciting ways to grow their businesses. However, an economic slowdown may not be the best time to make risky bets.
For example, taking on a new loan to add physical floor space or to increase inventory, or otherwise add to the business may sound good. But what if the business was to slow down? Would the business owner or owners have enough left over at the end of the month to pay interest and principal back to the lender on time? Would they have enough left to live on? When making any sort of investment, it is important to be cognizant of the potential risks and rewards associated. This particularly true during a slowdown or a recession.

Bottom Line
Individuals may not need to live a monk's existence during an economic slowdown, but they should pay extra attention to their spending and budgeting, and be wary of taking any unnecessary risks.

by Glenn Curtis

New collection - IPHONE

How lovely, spending money again in order to get this IPHONE.

Why I need to buy ?

1. Just for fun
2. Follow the market trends
3. Try being an updated person with latest technology
4. Just want to waste the money
5. Want to show off
6. Thinking of practicality of having IPHONE is equivalent to carry small laptop
7. Easy accessing internet as and when is needed??????
8. .........................you reader!!!!! ......please think for me.

I got one already regardless what is the main purpose, just buy it first and do the thinking later (sound like real a typical woman "talk first think later"). The impression of having IPHONE is that I m proud of myself I m carrying latest technology with me. I m still finding the extra benefits that I could get by having an IPHONE.

Oh yesssss....about money- pssst.....the money will grow like a tree if we know how to plant it!!!!!


Till now. Happy reading.

20 Ways to Waste Your Money

How to waste your money

1. Buy new instead of used.

2. Carry a credit-card balance.

3. Buy on impulse

4. Pay to use an ATM.

5. Dine out frequently

6. Let your money wallow

7. Pay an upfront fee for a mutual fund

8. Pay too much in taxes on investments

9. Buy brand-name instead of generic

10. Waste electricity

11. Pay banking fees

12. Buy things you don't use

13. Own an extra car

14. Ignore your local dollar store

15. Keep unhealthy habits.

16. Be complacent about insurance.

17. Give Uncle Sam an interest-free loan.

18. Pay for something you can get for free.

Copyrighted, Kiplinger Washington Editors, Inc.

Dies is not our decision

I m not very into film industry line or like to talk about it. But my friend does. I like to read her blog in tangisanbulanmadu.blogspot.com. From there, I familirized few names that play important roles in film industry. I just got a news last night the the award winning director died at 11:25pm at the Damansara Specialist Hospital after collapsing from a stroke on Thursday (news copied from STAR via sms).

She gone just like that. I learned and we must learn from this incident. Leaving this world or dies is a totally Allah's decision. We cannot delay it or postpone it to later date or time and the most we dont know when is our time.

I m afraid if I leave this world with full of hatred, full of sins and far from Allah blessing. Every day we make things beyond our control and without sincererity therefore we must pray everyday that we won't end up with unforgiven things.

From now onward we must :

1. Monitor our attitude.
2. Check our balance sheet of our sin account.
3. Check our debts either with banks or peoples
4. Monitor our health and do routine check up if possible.
last but not least be good to peoples surrouding us including family, friend, best friend and etc....regardless who they are.

Life is so sweet so make it sweet. Your decision now is important than the next second.


To Arwah Yasmin Ahmad, we pray Alfatihah for arwah. Semoga arwah ditempatkan di kalangan orang-orang yang beriman. Amin....

Till now. Happy reading

Healthy Guide - Correct way of eating fruits

EATING FRUIT - Guide

We all think eating fruits means just buying fruits, cutting it and just popping it into our mouths. It's not as easy as you think It's important to know how and when to eat..

What is the correct way of eating fruits?

IT MEANS NOT EATING FRUITS AFTER YOUR MEALS!

- FRUITS SHOULD BE EATEN ON AN EMPTY STOMACH.

If you eat fruit on an empty stomach, it will play a major role to detoxify your system, supplying you with a great deal of energy for weight loss and other life activities.

FRUIT IS THE MOST IMPORTANT FOOD - Let's say you eat two slices of bread and then a slice of fruit.. The slice of fruit is ready to go straight through the stomach into the intestines, but it is prevented from doing so.In the meantime the whole meal rots and ferments and turns to acid.. The minute the fruit comes into contact with the food in the stomach and digestive juices, the entire mass of food begins to spoil.So please eat your fruits on an empty stomach or before your meals! You have heard people complaining - every time I eat water-melon I burp, when I eat durian (fruit from Asia with a foul smell yet delicious flavor) my stomach bloats up, when I eat a banana I feel like running to the toilet etc. - actually all this will not arise if you eat the fruit on an empty stomach. The fruit mixes with the putrefying other food and produces gas and hence you will bloat!Graying hair, balding, nervous outburst, and dark circles under the eyes - all these will not happen if you take fruits on an empty stomach.There is no such thing as some fruits, like orange and lemon are acidic, because all fruits become alkaline in our body, according to Dr. Herbert Shelton who did research on this matter. If you have mastered the correct way of eating fruits, you have the Secret of beauty, longevity, health, energy, happiness and normal weight.When you need to drink fruit juice - drink only fresh fruit juice, NOT from the cans.. Don't even drink juice that has been heated up. Don't eat cooked fruits because you don't get the nutrients at all. You only get to taste.Cooking destroys all the vitamins.But eating a whole fruit is better than drinking the juice. If you should drink the juice, drink it mouthful by mouthful slowly, because you must let it mix with your saliva before swallowing it.You can go on a 3-day fruit fast to cleanse your body. Just eat fruits and drink fruit juice throughout the 3 days and you will be surprised when your friends tell you how radiant you look!

KIWI: Tiny but mighty. This is a good source of potassium, magnesium, vitamin E & fiber. Its vitamin C content is twice that of an orange.


APPLE: An apple a day keeps the doctor away? Although an apple has a low vitamin C content, it has antioxidants & flavonoid which enhances the activity of vitamin C thereby helping to lower the risks of colon cancer, heart attack & stroke.


STRAWBERRY: Protective Fruit. Strawberries have the highest total antioxidant power among major fruits & protect the body from cancer-causing, blood vessel-clogging free radicals.



ORANGE: Sweetest medicine, eating 2 to 4 oranges a day may help keep colds away, lower cholesterol, prevent & dissolve kidney stones as well as lessens the risk of colon cancer.




WATERMELON: Coolest thirst quencher. Composed of 92% water, it is also packed with a giant dose of glutathione, which helps boost our immune system. They are also a key source of lycopene - the cancer fighting oxidant. Other nutrients found in watermelon are vitamin C & Potassium.




GUAVA & PAPAYA: Top awards for vitamin C. They are the clear winners for their high vitamin C content. Guava is also rich in fiber, which helps prevent constipation. Papaya is rich in carotene; this is good for your eyes.

Drinking Cold water after a meal = Cancer! Can you believe this??For those who like to drink cold water, this article is applicable to you.It is nice to have a cup of cold drink after a meal. However, the cold water will solidify the oily stuff that you have just consumed. It will slow down the digestion.. Once this 'sludge' reacts with the acid, it will break down and be absorbed by the intestine faster than the solid food. It will line the intestine. Very soon, this will turn into fats and lead to cancer. It is best to drink hot soup or warm water after a meal.

What I am going to be in 5 years time.

In 5 years time, I want to be a good and the best employee of MESB. I want to secure at least RM 50 m projects. I want to build a good rapport with my contacts and clients.

In 5 years time, I want to drive a good car, to have a superb monthly income there fore I could spend according to my want and the needs.

In 5 years time, I hope I could save RM250K in form of saving or investment. I hope I can perform haj or umrah with family and friends.

In 5 years time I want to visit europe and countries nearby. I want also to visit USA and country nearby.

In 5 years time also I love to be a good superior to a group of staff and manage a big project with excellent.

In 5 years time, I hope I can live comfortably and easy life with luxury stuff.

In 5 years time, I want to establish close relationship with family, relatives, friends, collegues, best friends, buddy and people surrounding.


Till now.. happy reading.

Health knowledge - cancer

20 Cancer Symptoms Women Are Most Likely to Ignore
By Melanie Haiken, Caring.com senior editor

Routine tests like pap smears and mammograms are important, but don't rely on tests alone to protect you from cancer. It's just as important to listen to your body and notice anything that's different, odd, or unexplainable. You don't want to join the ranks of cancer patients who realize too late that symptoms they'd noticed for a long time could have sounded the alarm earlier, when cancer was easier to cure.
Here, some signs that are commonly overlooked:

1. Wheezing or shortness of breath One of the first signs lung cancer patients remember noticing when they look back is the inability to catch their breath. "I couldn't even walk across the yard without wheezing; I thought I had asthma, but how come I didn't have it before?" is how one woman described it.

2. Chronic cough or chest painSeveral types of cancer, including leukemia and lung tumors, can cause symptoms that mimic a bad cough or bronchitis. One way to tell the difference: The problems persist, or go away and come back again in a repeating cycle. Some lung cancer patients report chest pain that extends up into the shoulder or down the arm.

3. Frequent fevers or infections These can be signs of leukemia, a cancer of the blood cells that starts in the bone marrow. Leukemia causes the marrow to produce abnormal white blood cells, which crowd out healthy white cells, sapping the body's infection-fighting capabilities. Often, doctors finally catch leukemia in older adults after the patient has been in a number of times complaining of fever, achiness, and flu-like symptoms over an extended period of time.

4. Difficulty swallowingMost commonly associated with esophageal or throat cancer, having trouble swallowing is sometimes one of the first signs of lung cancer, too.

5. Swollen lymph nodes or lumps on the neck, underarm, or groin Enlarged lymph nodes indicate changes in the lymphatic system, which can be a sign of cancer. For example, a lump or an enlarged lymph node under the arm is sometimes a sign of breast cancer. A painless lump on the neck, underarm, or groin can be an early sign of leukemia.

6. Excessive bruising or bleeding that doesn't stopThis symptom usually suggests something abnormal happening with the platelets and red blood cells, which can be a sign of leukemia. One woman with leukemia described bruising in strange places, such as on her fingers and hands, as well as red spots on her face, neck, and chest. Another noticed bleeding gums. The explanation: Over time, leukemia cells crowd out red blood cells and platelets, impairing the blood's ability to carry oxygen and clot.

7. Weakness and fatigue "I kept having to sit down at work, and one night I was too tired to drive home," said one woman in describing the fatigue that led her to discover she had leukemia. Generalized fatigue and weakness is a symptom of so many different kinds of cancer that you'll need to look at it in combination with other symptoms. But any time you feel exhausted without explanation and it doesn't respond to getting more sleep, talk to your doctor.

8. Bloating or abdominal weight gain—the "my jeans don't fit" syndrome While this might sound too common a phenomenon to be considered a cancer symptom, consider this: Women diagnosed with ovarian cancer overwhelmingly report that unexplained abdominal bloating that came on fairly suddenly and continued on and off over a long period of time (as opposed to for a few days each month with PMS) is one of the main ways they knew something was wrong.

9. Feeling full and unable to eatThis is another tip-off to ovarian cancer; women say they have no appetite and can't eat, even when they haven't eaten for some time. Any woman who experiences noticeable bloating or weight gain numerous times (the diagnostic criteria is more than 13 times over the period of a month)—especially if it's accompanied by pelvic pain or feeling overly full—should call her doctor and ask for a pelvic ultrasound.

10. Pelvic or abdominal painTaken by itself, pelvic pain can mean a lot of things. In fact, because it's a common symptom of fibroids, ovarian cysts, and other reproductive tract disorders, doctors don't always think of cancer when you describe pelvic pain. Make sure your doctor looks at all possible explanations and does a full exam, since pain and cramping in the pelvis and abdomen can go hand in hand with the bloating that often signals ovarian cancer. Leukemia can also cause abdominal pain resulting from an enlarged spleen.

11. Rectal bleeding or blood in stool"I thought it was hemorrhoids" is one of the most common things doctors hear when diagnosing colorectal cancer. Blood in the toilet alone is reason to call your doctor and schedule a colonoscopy.

12. Unexplained weight lossIf you notice the pounds coming off and you haven't made changes to your diet or exercise regime, you need to ask why. Weight loss is an early sign of colon and other digestive cancers; it's also a sign of cancer that's spread to the liver, affecting your appetite and the ability of your body to rid itself of wastes.

13. Upset stomach or stomachacheAs simple as it sounds, a good old-fashioned bellyache is what tipped off a number of lucky folks, whose doctors ordered ultrasounds and discovered early that they had tumors on their livers. Stomach cramps or frequent upset stomachs may indicate colorectal cancer; many cancer patients say their doctors thought they had ulcers.

14. A red, sore, or swollen breastEveryone knows to check for lumps in the breasts, but too often overlooked are symptoms closer to the surface, which can indicate inflammatory breast cancer. Some women described noticing cellulite-like dimpled skin on an area of the breast. Others noticed that a breast felt swollen, hot, or irritated. Red or purplish discoloration is also cause for concern. Call your doctor about any unexplained changes to your breasts.

15. Nipple changesOne of the most common changes women remember noticing before being diagnosed with breast cancer is a nipple that began to appear flattened, inverted, or turned sideways. "My nipple started looking like it was turned inside out," said one woman. In addition, inflammatory breast cancer also causes nipple problems, such as itchy, scaly, or crusty skin on the nipple— so take any nipple changes seriously.

16. Unusually heavy or painful periods or bleeding between periodsMany women reported this as the tip-off to endometrial or uterine cancer. Unfortunately, many women also said their doctors weren't responsive, overlooking or misdiagnosing their complaints as normal perimenopause. Ask for a transvaginal ultrasound if you suspect something more than routine heavy periods.

17. Swelling of facial featuresSome patients with lung cancer report noticing puffiness, swelling, or redness in the face. The explanation for this is that small cell lung tumors commonly block blood vessels in the chest, preventing blood from flowing freely from the head and face.

18. A sore or skin lump that doesn't heal, becomes crusty, or bleeds easilyMost of us know to watch moles for changes that might indicate skin cancer. But other signs, such as small waxy lumps or dry scaly patches, are easier to miss. Familiarize yourself with the different types of skin cancer—melanoma, basal cell carcinoma, and squamous cell carcinoma—and be vigilant about checking skin all over the body for odd-looking growths or spots.

19. Changes in nailsUnexplained changes to the fingernails can be a sign of several types of cancer. A brown or black streak or dot under the nail can indicate skin cancer, while newly discovered "clubbing"— enlargement of the ends of the fingers, with nails that curve down over the tips—can be a sign of lung cancer. Pale or white nails can be an indication that your liver is not functioning properly, sometimes a sign of liver cancer.

20. Pain in the back or lower right sideAs vague as this sounds, many cancer patients say this was the first sign of liver cancer, known as one of the "silent killers" (another is ovarian cancer). Breast cancer is also often diagnosed via back pain, which can occur when a breast tumor presses backward into the chest, or when the cancer spreads to the spine or ribs.

Monthly obligation

Every month when this number 30 or 31st day reach the point, these are obligations that we need to bear as below :

1. House rental.

2. Cars loan repayment

3. Electric bill

4. Water bill

5. Credit cards bill

6. Personal loan repayment

7. Astro bill

8. Jaring bill

9. Mum's allowance

10. Personal expenses

11. Groceries

A long list that will never be deleted as long as we want to live up our life. But I hope by next year I could reduce the credit cards bill and pay off the personal loan once and for all.

With the long list obligations, I think that I am not able to invest in property sector therefore I might build just a nice home in my hometown instead of buy a house with high interest housing loan.

Till then. Happy reading

Credit Card Reform: Good for Your Wallet?

President Obama has signed sweeping credit card reforms into law. The reforms are designed to protect cardholders from certain interest rate hikes, unfair fees, issuing, and billing practices, and generally require greater transparency and accountability from card issuers. While most consumer rights groups applaud the reforms as long overdue restrictions on deceptive and predatory practices, some serious points of concern were raised this week in the econo-blogosphere.First, Odysseas Papadimitriou provides a helpful overview of the bill's main features and how they'll likely impact your wallet, and concludes: "The credit card legislation will significantly change the way credit card companies conduct business... consumers will see smaller credit lines, higher interest rates, higher membership fees, and fewer 0 percent offers. Rewards offers will likely stay the same... While the effects of the legislation... may seem wholly negative, we strongly believe that the long-term effects will result in a net benefit for consumers."But Andrew Martin in the 'New York Times' Monday raised concern among those who pay their credit card balances in full each month and enjoy rewards programs with no annual fees. Martin certainly pleased the American Banker Association by presenting its quasi-threat "to look at reviving annual fees, curtailing cash-back and other rewards programs, and charging interest immediately on a purchase instead of allowing a grace period of weeks."Francis Cianfrocca falls in line: "The credit card industry will have no choice but to start raising fees on the people who do what your mother always told you to do: pay off your debts on time and avoid high-rate balances."But Bryan Caplan says the ABA's claims that responsible, low-risk card holders will suffer are just 'wrong, wrong, wrong... [Martin's 'NYT'] article is as crazy as a story about the minimum wage claiming that highly skilled workers suffer the most because employers need to 'make up the difference somewhere.' The correct retort, of course, is 'Yea, they make up the difference by buying less of the labor that now costs more.'"Tom Petruno also doesn't buy it: "If [card-issuing banks] really want to aggravate their best customers, they may have to factor in the risk that Congress could come back and hit them even harder. Better to count your bailout money and dim the rhetoric, boys."Former Dallas Fed president Bob McTeer notes this isn't the first time lawmakers have called bankers' bluff on credit card regulation, and acknowledges that "I will probably be one victim of the legislation," since he pays his balance in full each month to obtain frequent flyer miles. "Many of the credit card issuers brought this on themselves by some of their egregious actions and lack of proper communication with their customers... The economics of the situation and my gut are pulling in opposite directions."Barbara Kiviat doesn't accept that banks don't profit from cardholders like her who pay the balance in full each month. Reminding us of exchange fees card issuers charge, Kiviat asks, "Why would credit card companies, in the aggregate, do business with the 42 percent of American households that pay off their balance each month?"Likewise Ryan Avent: "If credit card companies could have been making more money on quality borrowers all along, why didn't they?... What seems more probable is that high-quality borrowers used to have more credit options available to them, and so credit card companies had to work harder to get their business. Now, in the midst of recession with many borrowing options -- including home equity lines -- no longer available, credit card lenders can squeeze more out their customers. They're the only game in town and can price accordingly."Felix Salmon concurs with Kiviat and Avent that high-quality borrowers were always profitable for card issuers, and adds: "The cost to society of having millions of individuals carrying large credit card balances with very high interest rates is vastly greater than the benefit to [no-balance cardholders] of having a reasonably convenient way of paying for goods in shops."Ezra Klein adds a worthwhile point: "There's a good reason for credit card companies to want lots of users who aren't very profitable. Imagine a world in which 42 percent of households pay their bills and 58 percent miss the occasional payment. Now imagine that the credit card companies lose a bit of money on the 42 percent and make a lot of money on the 58 percent. They still need that 42 percent. The credit industry works best when everyone has a credit card. That only happens when most places take credit cards. And that requires not only huge volume, but also credit card penetration across different segments of society. Credit cards have to be the norm everywhere if everyone is going to have credit cards and that 58 percent is going to contain the maximum number of people."Michael Hiltzik acknowledges that card companies "have been guilty of genuinely sleazy behavior," but he's compelled to stick up for them on some fundamentals: "Certain purported sins, such as raising rates and cutting credit limits for some borrowers, merely ratchet back the loose standards that helped lead us to economic perdition. For years we cursed the banks for showering Americans with easy credit. Now we curse them for tightening up."Dear John Thain is "worried that legislators have managed to put restrictions and requirements on credit card companies without taking the last step: making them ineligible to be waived in boiler-plate language." Salmon responds.Oh, by the way, Republicans managed to tack a completely unrelated gun rights measure onto the Credit Cardholders' Bill of Rights Act of 2009. This left Joshua Morgan Brown irate: "How much easier this economic environment would be on us all if only we could walk into National Parks with LOADED weapons. I mean, yeah, I guess it's pretty cool to be able to visit Jellystone Park with an empty gun, but loaded? Now that’s stimulus."Personal finance corner: While you wait for the reforms to kick in, Consumer Reports has some suggestions for how to immediately negotiate better terms if you feel your card issuer has unfairly changed your rate terms.And finally, don't miss Colbert's take on the bill -- his credit card just got pre-approved for its own credit card!

My next trip to Medan & Lake Toba

Yahooooooo, I m going to travel again this year to Medan, Lake Toba & Brastagi. This time all paid for by company. I only need to bring shopping money only.

The itinerary as below :-

Day 01 : Airport - Parapat (L,D)

- Meet & greet. Proceed to Parapat via Permatang Siantar. Lunch at local restaurant. On arrival check in Hotel Niagara ****. Dinner at hotel.

Day 02 : Parapat - Samosir Island - Brastagi (BLD)

- Breakfast at the hotel. Followed by Samosir island tour by boat visit Tomok and Ambarita village. Lunch at local restaurant Parapat. After lunch proceed to Brastagi via siposo-poso waterfall. On arrival check in and dinner at Hotel Grand Mutiara*****.

Day 03 : Brastagi - Medan (BLD)

- Breakfast at the hotel. Visit Gundaling HIll to see the magnificent view of 2 active valcanoes, Sibayak & Sinabung, Fruit's market before proceed to Medan. On arrival, city tour and shopping visit Maimun Palace, Kesawan Square and Medan Mall. Check in Hotel Garuda Plaza***. Lunch and dinner at local restaurant.

Day 04- : Medan - Airport (B)

- Breakfast at the hotel. Free and easy till transfer out to the Airport.

Again this trip is borne by company.

Till now. Enjoy your reading....

Saving

All about saving money. When we old, of course nobody will taking care of us except kind hearted children that may be would contribute to us.

That's why we need to do planning for our retirement age. At least we must have at least RM 500K on the age of 55 years old, if not we are just like ordinary old people who unable to enjoy the golden age moment before we leave this world.

The most important now....

For me I have retirement plans are like

Saving from EPF : RM 100,198.00 as of today, I got another 15 years to accumulate the figure with approximate dividend of 4-8 percent annually.

Investment in Unit Trust (ASB) : RM 80,300.00 also as of today, I have another 15 years to accumulate with the dividend and bonus of 7-9 percent annually.

Saving from Life Insurance (Great Eastern) by the age of 65, I will receive a saving of RM 36,500.00 and

Investment in pension scheme with MCIS - Zurich Insurance for the amount of RM 38,375.00. By the age of 55 will be getting pension approximate amount of RM 750.00 monthly and throughout my life.

AND now I need to do some saving for my Tabung Haji account to perform haj. At the moment I only have about very minimum, that is RM 600.00. May be if I get some bonus from company I would increase the figure, InsyaAllah.

My vision and mission that is I hope another 15 years will manage to collect RM 500K for my golden age and I want to travel all over the world if possible.

That's it for the day. Happy reading...

Saving money for good

Where to start:
Save on gas by walking, biking, carpooling, or taking public transit.
Ditch expensive bottled water and drink tap water.
Substitute at least one vegetarian meal for meat each week.
Fix leaky faucets to save on your water bill.
Get a home-energy audit to see where you can reduce your power bill.
Start an organic garden to grow your own veggies and fruits.
Find books, CDs, and DVDs at your local library for free entertainment.
Borrow and swap for new-to-you things, and reuse stuff instead of shopping

The said that became a phrase

"All good books are alike in that they are truer than if they really happened and after you are finished reading one you will feel that all that happened to you afterwards it all belongs to you ; the good and the bad, the ecstasy, the remorse and sorrow, the people and the places and how the weather was" - Ernest Hemingway

My lovely pets that I have

She is Marry the golden retriever
This one is Chai the hybrid Sherpherd with Rotweiller
and this one Kecik @ mummy the hybrid sherpherd and rotweiller
The three stuggest that I have at the moment
Chai is the most pampered one and most playful

I have few dogs at home as a guard and pet dog as well.

The above pictures shown the current that I keep at home. The gold color Retriever I got from a chinese who wanted to let her go and the Chai, I bought from a breeder and kecik I got for free from one malay.

How come I can keep a dog eventhough I m a muslim?

First question what is Islam ?

How to be a good muslim?

Why muslim can't keep dog?

How to perform prayer with dog at home?

The answer is

We can keep dogs if the dog to protect us from intruder. An riwayat said even Rasullullah s.a.w feed dogs and let the dog to give birth in his house till the dog out from his house itself.

The Malaikat won't be entering a house with dog, picture and so forth?

Yes the Malaikat is kind of allergic to dog but please do keep the dog outside the house if you are a muslim. Build it home outside from your home. Their duties is to give us a protection.

Do you know that, some syaitan allergic to dogs too. Therefore if someone try to harm you with spirit way, it wont be successful.

For everybody information, most richest group in Malaysia keep guard dogs example the late Datuk Zakaria had two guard dogs even the king faisal of Egypt also has dogs. Those muslim in Afghanistan keep dog for protection. Their army using dogs services to trace enemies.

To perform prayer we must "samak" with soil water one times and 6 times with taps water. Nowdays not so difficult we have Taharah soap to perform "samak". Life is so easy why make it difficult...

So what do you think ?

Me.... I m glad I have them.

They are the best friend to human

till now...happy reading.

Today is SUNDAY @ weekend-very interesting

I woke up early at 7:30 am eventhough SUNDAY. I dont like to spend most of my time in bed because time is short so I'll make sure every single second is worthwhile.

Usually every morning I give my lovely pets breakfast , bread and milk.

After that I make breakfast for us.

Weekend normally started my day with washing, cleaning or sweeping floor (instead of exercise I do houseworks)

But today is different, the agenda slightly different. I have to fetch my niece who starts her job as sales assistant on partime basis at Alamanda. She is on holiday for two months. So I advised her to work and gain some money and experience.

After sent her and her friend to Alamanda, I stopped by at Harven for manicure and pedicure. Its cost me RM 75.

Earlier wanted to go to TERIMEE for facial but I dont feel like going for facial this Sunday because I just done it at Salinaz Beauty at Alamanda last week.

After did the manicure and pedicure, I went to visit the lovely lace where my niece and her friend rendered their services until 10 pm tonight.

On the way to car park, I stopped by at Big Apple for 6 donuts for RM 11.50. I love duran flavour then went home.

Tonight at 10 pm, I am going to fetch them from Alamanda and send them to Taman Saujana Impian.

Hopefully by tomorrow I could get a place for my niece and her friend to stay in Presint 9 or 11 so that I no need to fetch them anymore.

Tomorrow also I am going to give them some monies for opening of AMBANK account for their salary to be credited.

Thanks God the opening the account that not so expensive like other bank. Just as low as RM 20 for basic saving account.

Eventhough the activities this weekend quite boring but I feel satisfied that I helped people in need. So hopefully, she would treat the same to others or to ME, the second aunty in the family.

Till then...

Healthy products with healthy lifestyles

Recently I went to Alamanda, a salesman approached me with a mystery gift. Once I opened it. I got RM 100 rebate with free gift that is 15 pcs stainless steel cookware for a value of RM 2999.

I got shocked awhile and not managed to escape as they are too persuasive on the "extra" price that I got. By buying one of their product I can get the "extra". Somehow or rather, I also feel so excited about the gift and agreed to buy their vacuum for the amount of RM 2699.00. Then after I agreed to buy another offer. I got multicooker and a warmpot thermos(to keep foods warm all the time).

And then, another offer that is if I choose something else I will get extra 50% discount. oooo my God......I was trapped with their marketing strategies!

Felt fasinated but I managed to refuse to buy somemore.

Before I left they gave me a platinum member card which if I buy anything in future I got 20% and If I bring friends, theres another mystery gift.

When I got home and straight away I opened up the vaccum. I m quite like the vaccum. Of course, it is an expensive vacuum that I ever bought. I do like the 15pcs stainless steel cookware and multicooker also warmpot thermos.

Anyone who like to browse their website, please feel free to click at http://www.frico.com.my/

Good items, good quality, value for the money.

After all the above happened, I felt a bit regret because I bought something that unnecessary (as I have already a vacuum) but good things I am a member of frico so I could get extra service from them...mmmmm

P.S : I m going to buy the energy water system filter in the near future. Not now, because no money already.

Till then. See ya

A lady named Maria Soraya

Maria Soraya was born ages ago.

She was born at a place on the earth that called a "countryside"

She has had been experiencing life and has been and keep on learning about the meaning of life from the scratch to the almost top but not there yet.

Her dreams to achieve whatever her dreams are.

Back in during schooling day, she was very popular.

She's very smart, fastlearner, goal-getter, a quick decision maker and also clumpsy

She like travelling most and has had been travelled most of her country and neighbourhood regions.

Now as she is growing older and older, her wishes is want to be the best of the best to every life creature in this world.

One day, when the time comes for her to leave this world, she would love to leave with dignity, love and proud.

Every life creatures in this world would miss her......

MARIA SORAYA hope whoever outthere, please be kind to any life creatures. We don't know what they were going thru before we met them.

Till then.....

Investment of ASB

I have put RM 80K in the ASB and annually I 'll collecting about RM 7-8 K.

Return investment calculation will be

1st year = RM 7 K (roughly estimation for the dividend and bonus)
2nd year = RM 7K + RM 7K + RM 600 = RM 14,600.00
3rd year = RM 7K + RM 14,600 + RM 1200 = 22,800.00

Just imagine if I put in there for 15 years?

How much would it be?

How much the value of me in 15 years?

Am I going to retire with comfortable life?

Am I going to be a traveller during golden age?

Am I ?

Me and new handphone

On last friday, I bought new handphone model express music 5800 to replace the old one but not that old about 9 months ago.

I found that the old one having some technical errors. So I decided this one with my new CIMB master card. ps : I could pay monthly :)


Please see below the old one model

Although its quite new but trouble some for me to use. I sold to someone for RM 250. Cheap is it? mmmm it is cheap. Lucky him. Got it cheap.

And I have to pay RM 1380 for a new one. That's expensive!!!!

I am a big spender. How to throw the habit? I dont know?????

My Profile Playlist by The traveller on MySpace Music - listen to songs & purchase MP3s

My Profile Playlist by The traveller on MySpace Music - listen to songs & purchase MP3s

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