Unplanned event, don't know when to occur in our life.....

Road accidents are common in Malaysia and around the globe... i found the video from youtube.... if you are interested to watch it... Just click Here

"Be Carefull, Accident Happens"... Click Here

Read more...

save now, save later, but save something for retirement

"It is possible to make 50 trips around the sun and still go nowhere toward planning for retirement. Seems hard to believe, but it happens all the time.


Financial advisers report that many of their middle-aged clients have failed to set aside sufficient money to assure a comfortable life, or anything close to it, after their work is done.

"It's very common, especially among the middle class, because they're torn between paying for life today and saving for retirement," said Susan Hirshman, managing director of JPMorgan Asset Management in New York."

This is very interesting article, for more information, please read here

Read more...

Save Now or Pay Later to Avoid Poor Retirement Years

I found out this simple article regarding the retirement days that will come sooner or later for everyone of us who are working in this world.....

"Most retirement experts say you need 70 percent to 80 percent of your pre-retirement income to maintain your lifestyle in retirement." By Mary Deibel, Scripps Howard News, June 12, 2005.

For more info, please read more the article here

That's what the retirement experts say-which means, if we fail to have 70 percent to 80 percent of our pre-retirement income, then we will be in trouble to maintain our lifestyle like before the retirement. Fail to plan for financial planning, especially for retirement is not an option. And the only option is we have to plan and save now or pay later to avoid poor retirement years. "years"could 10 or 1 or 20 or maybe 30 years life after we completely retired from service at governments or private sectors.

If we don't have enough money to maintain our lifestyle, then life is meaningless and nothing muchwe can do, as we are getting older, weak, always get illness, or worst no home to live with....... is that what kind of life that we want?

Read more...

Hanya 36% rancang persaraan

"KUALA LUMPUR 19 Okt. – Hanya 36 peratus daripada pekerja di negara ini membuat perancangan awal bagi menghadapi persaraan mereka.


Sementara 84 peratus lagi gagal merancang masa depan selepas persaraan termasuk tidak berupaya menguruskan wang caruman dalam Kumpulan Wang Simpanan Pekerja (KWSP) dengan baik hingga menyebabkan ada antara mereka hidup miskin.

Menurut kajian yang dilakukan oleh sebuah syarikat insurans punca utama pekerja gagal berbuat demikian kerana menganggap tempoh persaraan masih jauh lagi.

Ketua Pegawai Eksekutif AXA Affin Life Insurance Berhad, Vincent Kwo berkata, akibatnya sebahagian besar pekerja terpaksa bergantung sepenuhnya kepada caruman tetap ke dalam Kumpulan Wang Simpanan Pekerja (KWSP) yang dipotong setiap bulan."

baca berita selanjutnya di SINI
 
Kita bukan merancang untuk gagal, namun kita gagal untuk merancang kewangan kita sebelum bersara. andai kata ia berlaku, tiada apa lagi yg mampu kita lakukan selain terus bergantung harap dengan bantuan khas, bantuan kebajikan dari kerajaan, atau bergantung dengan belas ehsan saudara mara yg berkemampuan untuk membantu kita setiap masa. Tapi sampai bila kita harus bergantung kepada mereka? kerna sampai masanya, mereka (saudara mara) juga akan pergi dari dunia ini.
 
Kehidupan selepas bersara seharusnya lebih indah seperti yg diimpikan hanya jika kita sebagai pekerja merancang kewangan dari awal tanpa perlu berlengah-lengah. masa itu emas,kita akan kerugian jika ia tidak digunakan dengan sepenuhnya...  takkan perlu bekerja lagi sepanjang masa bersara seperti ketika usia muda, lagipun tidak ramai majikan yg mahu memberi peluang pekerjaan kepada mereka yg sudah bersara, kecuali dalam bidang-bidang professional seperti doktor, menteri dan sebagainya.....
 
Biar merancang kewangan dari awal, agar gaya hidup seperti bersara adalah sama atau tetap seperti ketika sebelum bersara. Kegagalan bukanlah pilihan dalam hal ini, kerna kita tiada teknologi yg mampu membawa kita ke masa lepas bagi memperbaiki kesilapan lampau, iaitu gagal merancang kewangan dengan baik dan teratur.....
 
bertindak sekarang dan nikmati kehidupan yg diimpikan ketika bersara.... jika anda sudah merancang pun, tahniah!, namun sentiasa hubungi perancang kewangan anda yg terdekat bagi review perancangan kewangan anda setiap tahun bagi memastikan perancangan kewangan itu sentiasa berada di landasan yg betul dan selari dengan matlamat kewangan yang diperlukan....
 

Read more...