Forever.

After a long thought,

#FForever

Brunei is family

Postponed entry: August 2018

We celebrated our raya haji this year (read: last year) in Brunei! My sister is going to UK this September. Thus, we desperately need one last vacation while everyone is here. We listed one long list -which Brunei is not included, but then the cheapest ticket was to Brunei at the moment....... so there we go!

We actually have family in Brunei. My aunt (My father's little sister) lives there. I can't recall when was the last time she comes back to Malaysia for raya, so this time we are bringing raya to them (My mother brings all good food from Malaysia. Know what, she even brought lemang & kerutuk daging. amazing. I want to be my mother one day. She brings happiness to everyone).

Raya morning with Malaysia families in Brunei

Surprise! Another aunt joins the trip too. My another aunt with her two daughters arrive in Brunei on the first day of raya. So, three out of eight in Brunei. Can we start the hashtag #teamrayaBrunei now?

When the girls team up. Full house!

****

To be continued, later.

I deserve better.

Last year, I had a major heartbreak. The man I planned to marry - has gone. It was too private to talk. We both ended it regardless of who ultimately pulled the trigger. After all, none of it matters. I am all good now.

My parents are the most affected by this event. They were frustrated. Plus, they were worried about me too -They might think I 'll end up not married for the whole life. I had nothing to say to my parents. During that time, what I did was trying to analyze all the past mistakes among us. I accepted one job offer in KL (The best thing I could do at the moment. I believed). 

I moved on.

Eventually, I came up with realizations that helped me to make up with myself. Both of us liked each other honestly -But like alone is not enough. If I were married to him last year, I won't come out from Kelantan. I won't be staying with my sisters (This is one of our childhood dreams). I won't be living my dreams now.

Gradually, things got better. I started to understand what my friends and family had been saying all along: "You deserve better"...

Update:

I won't be meeting my man today.

Retirement is expensive.

I am a financial advisor, specialized in providing financial planning, investment management, and life management services for people across Malaysia ----- I am very sure that I've told everyone, but I never write anything regarding this here. 

Does anyone tell you this?

Retirement is EXPENSIVE.

Example: My monthly commitment is RM3,000 / month (exclude debts). Assume after including the inflation rate, in 2034 I need two times higher to fulfil my commitment (RM6,000). And I also assume the life-span of people is 75 years.

Now, let's calculate :

75 - 55 = 20 years (w/o any income)

20 x 12 = 240 months (w/o any income)

240 x 6,000 = RM1,440,000 (total money that I suppose to have after my retirement. which. I can't imagine how can I have that one million. with my cashflow condition now. omg)

Nope. this is not meant to create fear. It is just something to ponder. Picture yourself as a retiree in the next 10 - 20 years? These are two things for you to consider:

1. Have you diversified your income & investing for growth?

It is always a good idea you know, to diversify your income. If you want to enjoy financial independence, this should be on the top of your list. Most important, you have to know and understand where to diversify your money? (Current account / Fixed deposit / Unit trust / etc). I heard about this once. An investment plan is like a job description. Once you know the job you need your money to do for you it becomes easier to make the right hire (select the most appropriate investments). In need of further explanation? Roger me.

2. Have you ever calculated your likely retirement income?

Yes? No. You should try this because it actually helps you to see how long your money will last. Just play around the retirement date, the rate of return & inflation and see how these things may affect your retirement income. Need help about this? Roger me.

If retirement is something you look forward to, start preparing for it today. If you’d like to find additional resources on managing your students loans, debts or your retirement savings, just roger me.

______________________________________________________________________________

It is never too late to get started

Source : google

Roger me.
017-9248099