Sunday, August 1, 2010

Comparison between Unit Trust, EPF & Fixed Deposit

How much Unit trust, EPF & Fixed Deposit pay you return? Below table shown the difference among 3 types of saving.

For table below show you monthly save for RM200 then how much you will get in particulars years.

Years Unit trust ( 8-15% ) EPF ( 4-5% ) Fixed Deposit ( 2-3% )
5
17,640
15,360
13,920
8
35,520
28,416
24,384
10
51,840
39,120
32,160
20
223,680
127,200
86,880
35
1,242,360
463,680
236,040
Which of the above you will choose?

Distribution FYE 31 July 2010

Fund                       G.Distribution (sen)
------------------------------------------
PISBF                            5
PFEPRF                       0.5
PIIF                              3.5
PGF                               5
PIOF                            2.5
PISEF                          1.25
PBond                           5

Wednesday, June 30, 2010

Next Stop Yogyakarta

I have plan to there ard March 2011. I wish can visit there!!

MAS fare
RM300+ (Return)

very cheap,right?? HAHA :P

Tuesday, June 22, 2010

Bali Trip 2010

 
Bali  itinerary

17 Jun 2010
0850hrs Depart from KLIA
1150hrs Arrive Denpasar Airport
1305hrs Check in Masa Inn (rph 375k)
1330hrs Lunch at Bamboo Corner (rph25k)
1410hrs Start our journey
GWK (rph 50k)
Uluwatu temple (rph 3k)
Padang Beach
Dreamland main entrance (passby)
Dinner at Jimbaran (rph 300k+)

18 Jun 2010
0910hrs Check out and on the way to Ubud
Barong Dance Performance (traditional legend rph80k)
Coffee Plantation (Lemon Honey rph35k)
Kintamani (rph15k)
Mt. Batur (rph6k)
Buffet Lunch at Mt.Batur (rph 165k)
Tirta Empul (rph15k)
Tegalalang
On the way shop at tegalalang art street (quite cheap)
Dinner at Bebek Bengkil (rph162k)
Unlucky that the hotel I book Hibiscus Inn (Hibiscus Cottage) fully booked
check in Puri Garden Hotel (rph468k/usd 52_deluxe)

19 Jun 2010
0930hrs check out and transfer to opposite hotel Greenfield
1005hrs check in Greenfield (rph 250k)
On the way visit painting shop
Tanah Lot (rph 10k)
Shop at local Souvenir Center (Very cheap)
Lunch at Strawberry Stop (rph33k)
Pura/Lake Beratan (rph10k)
Time is too late so just give up to Tmn Ayun/Gao Gajah
Dinner at Pizza Bagus (rph 62k)

20 Jun 2010
0920hrs Shop at Ubud Market (Very expensive)
1050hrs check out hotel
1145hrs Massage at Kuta area (rph100k/1hr_Not that cheap)
1355hrs Arrive Airport (Unlucky that flight reschedule to 1920hrs, wait for 5hrs)
2210hrs Arrive KLIA

Total Expense RM2000+ included Transport, Accommodation, Entrance fee, Food & Souvenir. (For 2person)
Transport MAS fare RM250 (return), Local tour rph500k+,Airport transfer KLIA-HOME RM100+
Accommodation at Masa Inn quite near Kuta beach and bamboo corner, Puri Garden Hotel force to stay cos is too late we reach the cottage I booked,  cos the price quite expensive to me but luckily the service is good enough and at the strategy place to anywhere nearby ubud . Hibiscus Inn/Cottage I booked early Mar/Apr, I have email and call for reserve but when I reach, she say not in her record, too bad experience cos that night have long-lasting raining and force to stay Puri Garden Hotel. Hibiscus Cottage is quite far from main road cos need to walk 5min to go in homestay. The environment quite good cos is surrounded by green field. Next day morning shift to Greenfield. Greenfield only cost rph250k, quite cheap cos just opposite Puri Garden hotel and next to Tegal Sari. They have provide free shuttle within Ubud area.
Interest Place GWK not worth to visit cos the entrance fee is too expensive and nothing to see inside. Coffee plantation also nothing to see, just you can taste the difference type of coffee, chocolate and lemon tea. The coffee is not any special. Strawberry stop strawberry juice very nice and the weather is cool.(Bring sweater cos the place is like Cameron Highland. On the way to Strawberry stop, pls eat some food cos take quite long time to reach the place. There have a place in tegalalang the way back to Ubud supply local art product, quite cheap. Barong dance performance also quite expensive cost rph80k, if you are not interested can skip it.
Our driver quite good just too quiet, cos the place he bring us are consider cheap, like jimbaran dinner, Mt. batur buffet lunch and local souvenir shop (Ole-ole is Indo souvenir shop).

Here are some my bali trip memorial picture to share..

Day 1


















































  GWK (Garuda Wisnu Kencana) **nothing to see cos only have few stone decoration & entrance fee rph50k (expensive)










 Jimbaran beach (having romantic dinner cos have a group of musical player will sing during having your seafood dinner) :)


Day 2















 TegalalangDay 3






























Remark: Pls bring some food or take food before you on the way to Lake Beratan cos it takes few hours to reach













Tuesday, May 4, 2010

Do you think enough $ for you after retirement on aged 55?

According to EPF statistics, members have an average savings of RM132,539.78 at age 55. Given that an individual can live for about 20 years after retiring, this only leaves him with a mere RM552 per month to live on.Furthermore, Malaysians, generally do not do much financial planning for retirement. HOW ABOUT YOU?

Wednesday, April 7, 2010

期望

什么是期望?

你期望些什么?物质上享受还是变成有钱人?我想每个人都期望得到越多越好。只因人永远不会满足所以才会期盼将来得到更多。那是一件好事还是坏事?其实,期望可以让一个人更加积极地面对当前或将来事与物。期望得到一所梦寐以求的房屋,一架高贵房车,一举成名。。。还有更多。期望得到一些东西让你的人生有了梦想及目标。那你就会朝着这个方向前进,不断地求进步及吸收更多的知识。以便在不久的将来能够成为一位成功人士。

Wednesday, March 17, 2010

你选择"人赚钱"或"钱赚钱"

每个父母都希望自己的孩子努力读书,考进大学,然后进入社会找份好工作。
这种想法无可厚非,但是,如果换一个角度来看,这就等于说,每个父母都希望自己的孩子将来帮人家打工,安分的做个上班族。说的更清楚一点,那就等于说,每个父母都希望自己的孩子将来是员工,不是老板。员工和老板有什么分别?分别可大了,最大的分别是,员工是“人赚钱”,老板是“钱赚钱”。员工要朝九晚五的去上班,靠人力赚钱,这就是所谓的“人赚钱”。

而老板付出金钱,请员工帮他赚钱,这就是所谓的“钱赚钱”。
员工的“人赚钱”是有限的,因为他只有两只手,能做的就这么多,而且手停口就停,要永远的做下去,一直到退休的年龄。终其一生,员工的时间是被老板支配,无奈,这就是
“人赚钱”应该付出的代价。
而老板的“钱赚钱”是无限的,十个员工不够用,还可以继续的聘请,要上百,上千都可以。生意越做越大,员工越请越多,老板赚点钱就越多,最重要的是,老板的时间是掌握在自己的
手上,只要可以找到好的员工帮他料理生意,他要去云游四海都可以。

显而易见,做老板是比做员工好很多,但是,很少有父母会勉励自己的孩子,努力的读书,将来好做个老板。是不是很奇怪?天下的父母都是一样的,他们只希望自己的孩子将来是做员工,
不是做老板。

为什么会这样?那是因为多数的父母都只懂得“人赚钱”,所以孩子们也跳不出这框框。父母从小就灌输孩子将来要做个好员工,这种思维根深蒂固,对孩子的影响肯定很大,怪不得这世上,
穷人永远比富人多,因为员工的人数肯定是比老板多。