I am Old But No Savings In Bank Account

This phrase always being said and heard. Like the old man in the picture is one of the Beca owner in Kuala Terengganu. In his mind he might been thinking about his future. No surprise that he managed to give the proper education for his kids and none of them is a college dropped out.

Believe in the Power Of Compounding

Albert Einstein always the great inventor and he came out with this quotation :

Compounding interest is man’s greatest invention

So learn from that quote can make you richer than now. Do you believe in this quote? Let do some simple math :

Age : 20

Monthly Saving : $100

Time Span : 120 months

Interest Gain Annually/Year : 10%

So after ten years; 30 years old the money will become : $21,037.40

Compare with this :

 Age : 25

Monthly Saving : $200

Time Span : 60 months

Interest Gain Annually/Year : 10%

So after ten years; 30 years old the money will become : $16,117.46

See the difference when you start with a minimum amount but longer period?

Start Saving On Early Age

This compounding rules will become effective when you start to save on early age. Compounding will take years to matured. So just imagine how great is the compounding effect. “Time” is the only secret of compounding.

Some people tend to force themselves to take insurance with the saving package. My personal thought is, saving link insurance did not perform better on the long term. Just imagine how much the insurance can give back the return in within a year?

Do calculate it in percentage, not the amount

We made mistakes by calculating the return amount by numbers not by percentage. Yes it’s true that you will earn more money investing in saving plan insurance but do you know the fact that it’s better for you to invest in another higher percentage in return compared to the insurance.

The insurance agent is the most sweet talker person in town. Don’t fall for that trap. Most of the insurance company can’t provide you with the best number if compared to the unit trust such as ASB, ASN, ASW, or Public Mutual or CIMB Wealth Advisor. A lot of better fund for you to start to invest.

5 Check List Before You Start To Invest

1. Prepare savings at least 6 months of your monthly income - In case you lose your job
2. Find the agent who invest their money in the same fund - This is the right person to give advice
3. Invest with the amount that you can afford to lose -Are you ready to lose?
4. Prepare for the worst case scenario - Anything can happen to your investment
5. Register your beneficiary -In case you die

*Picture Courtesy of : Wedding Photographer Malaysia

• 1 Comment

Coco Mengintai Langit Mp3

Setiap hariku tulis
Yang Ku telah jatuh cinta
Tapi ku rasa bersalah
Tidak ku nyatakan … padamu….
Adakah engkau merasa
Apa yang sedang kurasa
Kepada tancap asmara
Harapnya kau dah terima

Chorus.

Maafkan aku kerna menyintamu
Maaf jikaku tak padan denganmu
Tapi ku berjanji
Kau juita hati
Akan ku jaga hingga akhir nanti

Maafkan aku terus memujamu
Maaf aku yang terlanjur merindu
Didalam hujan renyai
Aku mengintai langit
Mengharap engkau akan setuju
Menyintai aku….

 

Menyanyi dan bisikkanlah sayang
Baiknya kau dalam jiwa
Tak tahan rasanya menanggung kasmara
Agar dapatku lelapkan mata…
Mengkhayalkanmu, bermimpikanmu sepanjang malamku..

Download Link Click Read More Ok !!

Read the rest of this entry »

• 0 Comments

I would love to discuss about what happened this week. Start with this xBrain’s blog. Four posts being written by xBrain:

1. Busby SEO Challenge
2. Anwar Ibrahim Is A Gay?
3. What type of Billionaire Will You Be
4. Wedding Photographer Malaysia 

Busby Seo Challenge contest is offering the $5,000 as the first prize. Anwar Ibrahim being accused for sodomy charge. Billionaire type test website and the best wedding photographer in Malaysia.

I would love to express my sympathy on Anwar Ibrahim. Currently as the article being written, DSAI is in the IPK KL. I am afraid that other country especially westerner take the advantadge to interfere the Malaysian government. So far through the resources from multiple site, Anwar did not allowed or refused to the DNA test.

By the name of Allah, I hope my brother Anwar will success in the mission of getting a place in Parliament. We need such a good person rather than the stupid joker in the cabinet.

Pas chariman and Tuan Guru had some disagreement on some issues as being told by Harakah Daily. Now is the time to move on and not the time to quarell and shows the weaknesses of the party. While Che Det still stressed out about the MV Agusta being sold to other company with a value of one Euro. KJ is making money with a big smile - WTF.

Other than political issues what I can see the destruction of Malaysia as opposed to the article being written by DR Israel Shamir. He is the writer from Israel and I would love to urge the readers to see what was his opinion on Malaysia. I quoted some of the paragraph:

Malaysia is an example to emulate. Let us follow the Malaysian way, erase partition, restore broken unity, return refugees home and live together happily ever after. Wealthy and privileged minorities can impose their will for a while, but in the long run, only agreement and fair sharing a la Malaysia will work.

He saw what we can’t see and realized. Even a Jewish built the stronghold in Singapore, that did not lead to any instability in Malaysia. The question that you should ask yourself, after the 50 years of independence, this year is the worst. This is the punishment by Allah to the people who against Him.

The latest and shocking news, Raja Petra (Malaysia-Today) had been arrested under Section 500 of the Penal Code for criminal defamation. This shows that Malaysian are in dangerous and I do expect something worst will come all the way until the PKR rules this country. Some resources which like to be anonymous, Malaysian Army are in the standby mode if Darurat being declared by Agong. Hmm..I’m sad while writing this.

What do you think Malaysian?

• 9 Comments

Wedding Photographer is not a very easy job to do. It’s demand patience and a lot of imagination. Most of the photography students nowadays tend to become a photographer easily especially when it’s involving wedding occasion. They learn how to snap and how to capture the photo but do they know what is the best time to click on the shutter?

This will makes the major difference between a photographer with another. It will take a couple of thousand throw to dustbin photos before you can select the best photos. Anyway art is subjective.

A Picture With A Thousand Words

This shot taken using the black and white film and using the Canon camera. The image being process using the university black room. Again, this picture is the Grand Prize Winner for the year of 2002 in the picture.com site. The saddest part was she can’t afford to buy the book that published the art work back in the year of 2002. The prize was not collected at the :

3600 Crondall Lane
Suite 101-3111
Owings Mills, MD 21117

Wedding Photographer In Malaysia

You can view the port folio of her, Anis Ahmad at her own fotopages. I can bet you that her price is affordable with a customize package can be selected.

A part from wedding and solemnization, she is available for the birthday bash and sports event. Her current port folio for event are for the Danone World Cup 2008 which held at the Bangi, Maybank Sports Center.

A lot Wedding photographer in Malaysia and it’s up to you to choose. If you can afford to choose SaifulNang or Bazuki then you can always proceed but if you can’t, a lot of other choices that you have opted.

By the way, if you like to have her as your wedding photographer then proceed to contact her at :

Anis Ahmad : 019-2177 052

Portfolio : http://aqeen80.fotopages.com

Company : Black Ant Studio

Payment Term : 50% UpFront and 50% After Delivering Material or Credit Card Payment Using Paypal.

• 7 Comments