EmPay

New EmPay membership effective 1st February- Rm168.

Why Not Empay

When I was first introduced to this plan, I was again, sceptical about it. To me it's just another scheme, no different than others. But after seing the real money coming in, I repeat "the real money", I say again ah "the reallll money", repeat after me, "the real money", my thought changed & I never see myself so excited before. I started to spread the news around to close friends & relatives. Well, initially they had the same feeling, 'sceptical'. But after few months, they begin to feel excited too. Hmmm, comes to think of it, no one had thank me yet. Hmph! After seing money, forgotten me as a friend already! Nevermind! Of course, there are some who still hesitant or refuse to go for it, it's ok, not my problem if you do not want money.

Anyway, here's a great link, which spelled out very cleary about the loyalty plan. Check it out !


Why you should get EmPay.

1. It's just Rm138 for now. The new price will be announced soon.
It's not in USD or not like you have to fork out Rm500 or Rm1K.

2. For just Rm138, you could be getting a bonus of Rm60K.
Think about it. Rm60K is alot of money. What can you use for Rm60K? Better living, kids education, insurance, changing car , paying off credit cards, etc.

3. If you spent Rm138 today, will you be getting the Rm138 back in few months time ?
Rm138 used to buy food, goes into your stomach. That's it. It ends there.

4. How much interest the bank will be giving you if you deposit Rm138 into your savings account?
For Rm138 in bank, monthly, u be getting only few cents.

5. This is the only loyalty program out there that gives bonus without the need to get any sponsor. This is call "Plan B".
Hmmm, means all you need to do is shake leg & wait to collect bonus monthly.

6. But of course, if you want to fast track your bonus, "Plan A" is available.
You can start recruiting.

7. The only loyalty program to gives you the ability to work with both Plans.

8. No product to sell.
No worry of keep stocks.

9. No target to meet.
No worry of persuading & selling.

10. Ever heard the saying 'save for rainy days'?
Now with the stable income of yours, which is use to pay off loans, insurance, taxes, bills, foods, clothings, do you still have balance to save for rainy days?
Empay could be your answer.

11. Now tell me, why shouldn't you be getting Empay? What do you got to lose for just Rm138?

Loyalty Plan That Works

I've been approached by many colleagues & friends before, pestering me to join various kinds of direct sales. One will be darn motivated once they attended the talk by the top people in the direct sales or any multi level marketing company. But once when you are back home, I bet your motivation level will drop to zero. Why?

Here are they whys :-

• You have to called up your untie, uncle, cousin, niece, nephew, friends, colleagues & beg them to join under you.
  
  
• What if you don't have the skill to sell? How you going to persuade people to join? Point a gun at their head ah ?! Siao !
  
  
• You have to meet the monthly target in order to get the amount of bonus. Means you going to spent more money buying more expensive products in order to get the bonus. Just doesn't make sense right? The products is much more expensive than the bonus !!!
  
  
• Every month have to buy something in order for membership to stay active ? Errr, what if during a month, my budget is very tight ?
  
  
• If you do buy something every month, in a year, your home will be flooded by products.
  
  
• The monthly bonus does not accumulate. Means you start all over from scratch again when you entered another month. Or if you are good in selling, make sure your relatives and friends buy from you every month lor.
  
  
• What??!!!! Have to pay yearly membership renewal fees !!! They must be thinking we shake tree money fell down.
  
  
• If it's just one time membership, have to pay more than 500 ?! In USD somemore ! Nuts! That USD can buy my darling years of flowers supply.

I still remember there was once a guy wasted 45 minutes of my time talking non stop, making a big circle & going through roundabout & around the bushes & finally telling me, he wants me to join Amway! Makes me laugh everytime thinking of it.

All that has changed! You don't have to do described above to get bonus. Will tell you in my next post.

Train Set Display

The train set display was for a good course. Found in a hotel lobby about a month ago. Very creative indeed. All sorts of train set are displayed; the modern and as well as the locomotive type. The carriages has companies names imprinted on them. Donation collected use for good course.

Koi

Now where can you find these Koi ?



















.

Driving Pleasure

I just love the view while driving up North. Clear blue sky, greens along the way, hills which are visible even though kilometres away. So refreshing.

Flowers

Hmm.... who's the lucky one that got this huh? ;)

Gloomy Day

Hmmm.... looks gloomy

Busy Day

Busy day....

Karen Singing?

Karen likes to sing, and whenever she begins, her husband heads outside.

"Darling ? Don’t you like my singing?”.

“Of course, Dear,” he replied. “I just want to make sure the neighbours know I’m not beating you.”

Future

I got this article emailed to me from a friend. Will like to share it with you.

___________________________________________________


Future wellbeing
By: (Jul 16, 2004)


GROWING old is never easy; what more if you don't have the financial resources to fall back on.

Below are some advice given by financial experts on initiating saving schemes for old age for different age groups.

In your 20s-30s

You may not have a lot of money since you're just starting out, but you have time on your side.

The temptation to spend is great but keep the end in mind. Do you want to retire to a reasonably comfortable lifestyle? Then, put away as much as you can into a designated retirement fund and make the money work for you.

Financial planner Teng Luen Foong illustrates the efficacy of compounding interest over time. He explains that at 25, with 30 years to retirement, you will need to save RM479 every month to get RM236,324 at 55, based on an interest rate of 2% a year, compounded every month.

If you start at 30, you need to put away RM607 a month. At 40, it is RM1,126 a month. At this age, you can afford to take more risks with your investments as you won't need the money until years later.

Invest in blue chips and do consider small cap stocks. Don't make the mistake of being overly conservative; let youth work to your advantage.

In your 40s-50s

You are at the peak of your career -- the peak of your earning potential. Be careful not to fall into the trap of extravagance, living up to the nines.

You still need to save for your children's education, your own retirement and perhaps pay for your parents' living and medical expenses.

Teng's advice is to manage children and parents' expectations well as there can be tremendous contention between accumulating funds for your children's education, your own retirement as well as supporting your parents.

Take note of your own medical needs in retirement too: consider medical insurance. It is also time to think about the lifestyle you want in retirement -- where to live, perhaps downsize to a smaller house, the hobbies you wish to pick up, and so on.

Review your retirement funds: are you on track?

Financial planner Robert Foo says you should have accumulated at least 80% of your required retirement funds by the time you hit 50.

As for your investments, take fewer risks: reduce your exposure to small-cap stocks and increase holdings of large-cap blue-chip stocks.

At 55 and above

By now you should be debt-free and any major purchases should have been taken care of. Now that you are no longer working, make sure you have sufficient medical cover, otherwise any medical costs will eat into your retirement fund.

Any retirement income you have should be used to maintain your lifestyle. With lump sum payments from the EPF coming into your hands, avoid impulse buys. You have the option of keeping your money with the EPF.

You may also continue contributing to the fund if you are still employed. You may also consider an annuity plan (unfortunately, annuity plans are few in Malaysia) to supplement your retirement income.

Or withdraw the cash value in your life insurance to tide you over the winter years, if you have no dependants. At retirement, you should not have more than 50% in equities, says Teng.

Take note of market conditions and move to safer asset classes such as bonds and cash. As you advance in age, gradually lower your exposure to equities to no more than 25%.


What you can do now

Does planning finances for your retirement seem daunting? Here are some practical ways to start.

Save more
If you can save half of your income during your working years, you can be sure that you will be able to live on that amount, or less, in retirement. Live modestly now, spread out your riches to cater for your retirement years.

Don't succumb to peer pressure
You may be pressured to live a lifestyle beyond your means, accumulating debt along the way. Well, don't. Take a good look at your financial position and live within your means.

Start saving small amounts
For those who have difficulties saving, start saving whatever you can, even if it is only 1% of your salary. Gradually increase the percentage as you adjust your lifestyle and saving habits.

Put your savings to work
Don't just save blindly. After saving enough for an emergency fund and other required purchases, put aside some to invest. Equities carry the highest risk but over time, give better returns over fixed income instruments.

The further you are from retirement, the more risks you can afford.

Put a financial plan in place
Set out a plan along with realistic goals and adopt time-tested strategies. Customise an asset allocation strategy you can live with.

If you don't have access to a financial planner, read up on financial planning and investing. Review your plan every year.

Pick up a skill
Acquire a skill that you can use to produce income. Invest in yourself to improve your earning capacity. Another option is to take on another job. Stick to something you are good at.


This article is courtesy of Personal Money, The Edge magazine on managing your finances.

--- end ---

--- Article Information ---
This article was emailed from Welcome to Sun2Surf.
Article's URL: http://www.sun2surf.com/article.cfm?id=4067

Money Money Money

If you are desperate for money, till what extend will you go or do to get it ?

Will you kill for it ?

Resort to Extortion ?

What will a politician do ? Check this out

Roti Kaboom

Fren : have u tried roti cheese ?

Me : huh! i know got roti planta lah. Got roti cheese meh?

Fren : so outdated lah u

Me : have u tried roti kaboom ?

Fren : no, how it looks like ?

Me : i donno, i simply say only !

Fren : !@#$%^&

Bad Ass Driver

An example of a bad ass driver.

The dunggu driver only put a total stopped to the lorry just inches before it almost kiss the vehicle infront of him.

I'm puzzle as to why, certain drivers likes to be so close & almost kiss someone's else butt. Or only heavy vehicle drivers are like that ?

Grab the free antivirus

GRISOFT who gives away free antivirus software has released a new version of AVG. Version 7.5.432. Go grab it here . . .

Protect your computer from bad ass viruses !

Lucky Escape

My swthrt always advise me to keep a distance from another vehicle while driving [wonder whether she does that as well :) ] Well, that advise proof useful yesterday. A dunggu driving a trailer cut into a lorry's path [I was behind this lorry] in a dangerous manner, prompting the lorry to hit on the brake. I managed to braked on time, just few inches from the lorry rear. Can hear tires screeching sound from behind. I immediately looked at the rear mirror. Another lorry behind managed to break on time. I'm consider very lucky of not being 'burger' in between the two lorries.

So you all, stay alert & keep your distance from vehicle infront !

No Hike ?

No fuel price increase this year? You hear it right & you can read it here ...

Won't be surprised if it does overnight.

Don't expect the price to down either. What ever goes up, won't come down la.

Helping Hand

A bank recently announced, in its effort to ease the burden of its customer effected by the flash flood, they will waived off penalty & interest for one of its package.

Hey! One is better than none. That's very considerate of them. Was wondering whether the utilities companies are playing their part to help the unfortunate one.

New Year New Begining

I had a long holiday. It was a great one, even though only 12 days. Looking forward for more of these, spending great quality & quiet moment with love one.

Was surprised though, 1st Jan2007 no petrol hike!

Am busy though, lots of work follow up & new resolution.

Phew!