ATM Balance Picture

Recently, on my facebook page, there lots of "spams" of "if you want to earn extra money, pm me, or email me" which always picture of money inserted.

Well, no doubt, now days, people want to earn extra or more without actually putting extra effort. That is great that people is actually wanting to have something more, but without putting extra work?
Come on. You know when you go to the toilet would extra work too..

And copy-ing picture and upload to status update, even my grandmother would be able to do it if i teach her.
And the one who actually pm that person who advertise, join him/her, and when things not working out, they blame it on other people.

Well, there are legal way to earn extra income, bind by law, and give more return that what's in the picture. Only thing holding us back is the MIND.

Those who are looking, can drop me an email, or comment.

Retirement Scheme

Save + Invest = RETIRE + Enjoy

what an interesting happen today. i actually attended a retirement scheme talk organize by my company finance department on the topic of retirement fund.

it talks about the scheme that if you want to retire, you must have at least have 2/3 of your current income per month being available after retire kept somewhere. And that fund ideally should last you for about 20years(malaysian retire at 60 years old). 

If you are getting paid 3k, by retirement, you should have at least (RM2000 * 12 mth) * 20 years, which come to about RM480000.

The scheme appear to be guarded by one of the commissioner that suppose to overlook where our money being invest in.

And the best part was that the speaker(not sure his name as i entered late) says that he could retire, but he chooses to work. and here he was, standing in front of a group of people, saying "in your retirement days, you should enjoy with the fund you have saved". 

not to down the guest speaker, but don't you think what he is saying kinda contradict of what he is "selling"?

Oh well, i knew people that are earning more than RM2k/m and more on their retirement "scheme" and they do not have to work till the age of 60 years old.

it was a fund day too.. gotta to "curi ayam".. :-D

oh and how about this equation

Time + Money = FREEDOM