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.

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It is never too late to get started

Source : google

Roger me.
017-9248099

Moving on.

*Postponed entry*

I am in Malacca now. Another week to go to finish the course before I get to know where I 'll be attached after this (I 'm rooting for Kelantan, of course. haha). It was a nice program, so far. I enjoy meeting all the people.. it feels like, back to college again :)

I have no friend in Malacca.. not until one of my friends married to a Malacca guy. Well, there you go! Now I have more than three Malacca friends. And at least one that I click on. hihi. Thanks to him, I get to eat a lot of good Malacca food :D 

If you are wondering where to eat in Malacca, here are some of my recommendations!

1) Pak Putra Tandoori & Nan

Source : google

Surprisingly, the naan cheese & tandoori chicken was as gooood as in Penang! However, do expect the service is a bit slow as there are a lot of people. Other than that, everything is so good. Nora bagi empat bintang!

2) Daily Fix Cafe

Source: google

This is my most favourite place, so far. Located in the jonker street, this cafe is hidden behind a souvenir shop (KK sdn bhd). Passing through the shop, as you enter the cafe..... it feels like you are entering into another world. Regarding the food... I swear their carbonara is the best in the world! (I am not a fan of dessert. hihi).

3) Satay Kg. Jawa

 Source: google

Source: google

We came here for breakfast! And, too bad didn't manage to try the satay (The satay is served after 12 p.m, we were there at 10. huhu). People say their satay is always a hit and everyone is willing to line up for it. I had mee rebus, it was ok la. haha. But, the location is crazily beautiful!! I love it.

4) Coconut Shake Batu Berendam

Source: google

Malacca is so hot! So, coconut shake ftw! 

Got to go now, I 'll update more later. Insya Allah

Unit trust

Postponed entry : January 2018

After one month, I'm still alive! Haha. I am so grateful that I still can pay for my car on my own, despite of not having any official job last month. My pudding business works so well. I have big dream about this business. I want to expand it to other states, but for now, alhamdulillah.

Unit trust industry - A rising industry

I've never dreamed about this.

I think long and hard about it, since I never thought I would end up in the sales job. Well, no one has ever explained about career opportunities in sales before this until...... I meet my lecturer (who is now one of my good friends). She invites me to join her team under Public Mutual. I read one article that keeps saying those who work in this industry are all people who can't make a living elsewhere. This is so not true. Most of us are educated enough to pursue a traditional career, but it 's just..... not our choice.

As for me, I want to try.

I am so attracted on how Kak Su & Abg Mie (The agency that I joined) trained their team. They did a really good job of training their employees from scratch that have no selling experience and whatsoever. All you need to prove is you want to learn!

In need of financial advice?

Whatsapp (+6)017-9248099

I 'm ready to help!

Stage of life

This post is written in January 2018 (I was stressed about my job, in the meantime, happy that I'll be moving to another stage of my life). But, who knows? We plan. Allah also plans. Things have been toppled down.

I think for a million times before deciding to post this entry, but one thing that I know is I can't run from the reality. As if I don't post this entry, parts of my life diary 'll be incomplete. huhu

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I really want this to work out

That's my plan. earlier. 

After six months, I stuck -__- Working in the manufacturing industry is so tiring (physical & mental). I don't know, I might be exaggerating here, but I think I can't tolerate it already.

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Good news.

A & I have started to plan for the next phase of life.

Before this, I've always been a bit of sceptical when it comes to marriage. huhu. I don't know, I am just curious. How can I possibly agree to spend my life with this one person?

But, as the time goes, I know he is the one. We have been friends for nearly 8 years and things have started to become serious since last three years (kot?). He is with me. All the time (even virtually).

Alhamdulillah. His family has come to my house and after all the dung dang dung dang about date & whatever, all have been decided. I believe my parents are the happiest now. Pray for me. Insya Allah.

OK

I need a new job. Desperately.

A teacher

(April 2017's post)

 I was on my way to deliver butterscotch puddings to my customers when I received the job offer. I had never dreamed that I 'd be ended as a school teacher since I was graduated from business school. Knowing that in today's world, experience comes first before certificate, I guess I should not be fussy. Just follow the flow, let's try with this one first.

Since I had no experience of classroom teaching, I was more than a little worried. But now, I began to really enjoy it. I still remember last two weeks when I walked into the first class, I just introduced myself, asked each one of them to do a brief introduction, and directly got down to business (just like robot. haha). So far, everything is ok. All I had to do was some preparations on the worksheets; so that I know what to teach in the class.

Now, we are in the middle of busy handling summer camp. Most of the participants are from Thailand and I 'm responsible to teach the junior transition class (JTC). So challenging. They don't know most of the English words (They only talk Thai. haha). Ah, well at least I know one word now.

When they start talking in Thai with each other, I 'll scream out loud..

MEKOCHAAI!
(I don't understand)