Friday, December 19, 2014

5 Reasons Why Women Need To Be Financially Independent

I would say, among the people I respect and admire most are those working mums with young family members. These amazing working mums are working hard to manage their full-time job, caring for the young family members and at the same time taking care of the long list of household chores. I salute these women and I support what they are practicing. Though maybe some women prefer to take some years off their busy schedule to concentrate on their young family members and return to the workforce later.

As a woman myself, I know all these are not easy, but we women should really continue working and most importantly be financially independent. I have the reasons below on why women need to be financially independent:

1) Women more prone to health issue
Compare to men, women are more prone to health issue. This is because our body organ is far more complex and complicated, for example our reproductive system. More organ involved and higher possibilities of serious health issue. We should invest in a good health protection insurance product. We should also have emergency savings in case we need to take long leave from work, or to support us when we are not able to work.

2) Women have longer life span
Based on Malaysia statistics, the average life span for Malaysian man is 72.6 and for Malaysian woman is 77.2. This shows that on average, Malaysian woman life is 4.6 years longer than Malaysian man. So, woman need to be more prepared for a longer life span.

3) To ensure continuous financial support for our children
I believe all mother want the best for her children. And most mothers also understand her children's needs better. Especially during younger years, most mother would like to give the best for her children - the best childcare center, the newest and coolest toy, the best school, and many more. All these need money. If the father can provide basic needs, then with the salary earned, the mother can provide additional special support for this children.

4) To avoid financial havoc if there is major marital problem
We know, it is always something out of our expectation. It has been too often, we hear who and who in the divorce process. Many are couples with children, but they still find the best solution for their marital problem is divorce. Many were once very loving couples but still, they had to choose to divorce. If a woman is financially stable and independent, at least, she can still support herself and her children. Pity those woman who fully depend on her husband for full financial support. It would be tough for her to go on her life smoothly, at least for certain period of time.

5) To provide financial support for our parents, family members or loved ones
I am sure we all face the situation where our parents or family member in emergency and needed some financial support. Though our family didn't request for our financial help, but I believe automatically, we would will extend our helping hands because they are our family members. If we have our own income, it would not be a problem for us to help our family members when they are in needs. If we have to ask our partners for the financial support, maybe he would be happy to help or maybe he would be a bit reluctant to help.

I am a woman myself and I wish every woman to be financially independent because we are special species.

photo credit: Tax Credits via photopin cc

Sunday, December 14, 2014

Investing in Indonesian Fund

Recently I switched a small amount of my investment to Indonesian Fund. 

The reasons I switched a portion of my investment to Indonesian fund as below:

1) I wish to diversify my portfolio. In investment, among the famous golden rules would be 'do not put all your eggs in one basket'. Thus, I am putting some of my eggs in a new basket;
2) A hope for better Indonesia and more stable economy under new leadership and new management, President Jokowi;
3) High population. Indonesia is among the world top countries with highest populations. With populations keep growing and most of the populations are young generations, I foresee huge economic growth will be created by these youngsters. 
4) Low entry offered by the fund unit

I look forward to brighter Indonesia market outlook in next year and in years to come.

photo credit: JasonParis via photopin cc

Wednesday, December 3, 2014

How To Make Full PTPTN Study Loan Settlement

One of my target this year is to settle my PTPTN study loan. And I am so happy to announce that today I had made full PTPTN repayment and had settled my PTPTN study loan. If I follow my PTPTN loan repayment schedule, I still have another 5  more months to go. But, I decided to settle my PTPTN study loan earlier.

So, what is the process to make full PTPTN study loan settlement? When I first made my PTPTN repayment may years ago, I paid through direct debit from my monthly salary (Potongan Gaji), then I paid by sending monthly cheque to PTPTN HQ. After I have my ebanking, I found it is much more convenient to pay through ebanking, though there is RM1 processing fee for each transaction. Earlier this month, I logged on to my PTPTN online statement and printed out my latest PTPTN statement. Today, I brought along my PTPTN online statement to my local PTPTN office in Kuching. And of course, I brought along my cash as well. The process to make full PTPTN repayment as below:

1) Got a ticketing number from the entrance to see the officer at the counter. I told her that I wish to make full PTPTN repayment. She told me she will need to check from her online system for the rough figure of my PTPTN balance. Upon her checking, the figure is similar with my online PTPTN statement.
2) Then, I was instructed to fill a form. This form is something like an application to know the actual balance for my PTPTN (after deduction/interest fee/whatever other charges). The officer at the counter brought the form to her officer/superior inside her office so that this officer/superior can contact PTPTN HQ to verify my actual PTPTN balance (after discount/interest charges/misc).
3) After waited for 10mins, she got back go me and passed me a document indicating  my actual 'confirmed balance' which I need to pay. I am happy to see a 20% discount* as well :)
4) Then, I filled in the payment slip and waited for my turn to make the full payment at the payment collection counter.
5) Upon made the full payment, I was given an official receipt. The officer said PTPTN will email me a statement to confirm I had made the full payment.

The process is simple and quick. I think I spent about 30mins at the PTPTN Kuching Office, even though the PTPTN office is packed with many customers. The officers are very helpful, nice and friendly.

Just a note to any of you who wish to make full PTPTN study loan repayment, please go to your nearest PTPTN branch and get the actual full outstanding amount. Or, at least email or contact PTPTN HQ to get the figure. This is to avoid any wrong figure. This is also the main reason why I went to the PTPTN Kuching instead of pay my full payment through ebanking. To me, the official receipt is very important.

Finally, for those of you who are looking for the location of PTPTN Kuching Office, the address as below:

Pejabat PTPTN Negeri Sarawak
Lot 519, No. 15-I, Section 6
Al-Idrus Commercial Centre
Jalan Kulas, 93400 Kuching, Sarawak
No Tel : 082 - 234 608
No Faks : 082 - 239 315 

*There is a 20% discount for PTPTN borrowers if they pay their study loan in full from 10 Oct 2014 till 31 Mar 2015. You can read the news here and here. So, why not grab this opportunity?

Monday, December 1, 2014

Majority of Malaysians with Zero Savings?

Reading the article on MSN last week, I was quite surprised that majority of Malaysian are with zero savings. A few days later, followed by another 2 more related article here and here. The savings mentioned in these articles excludes forced savings such as KWSP@EPF, because according to the researchers, household do not have access to forced savings during emergencies.

As a rakyat biasa (ordinary people), I do believe that many Malaysians are having difficulty to save a portion of their income for emergency purposes. With rising cost of living, stagnant or low salary increment, it is getting tough for most Malaysian to earn enough to have a surplus after taking care of their basic needs. Another factor could be poor financial management among fellow Malaysians. I strongly believe that, proper financial literacy will provide guidelines for all Malaysians to better manage their personal finances.

Let's better equipped our fellow Malaysians, especially the young Malaysian, with proper financial literacy so that we can improve on our 'money saving skills'.

photo credit: wajakemek | rashdanothman via photopin cc

Saturday, November 15, 2014

Coupon, Discount and Voucher Codes in Malaysia

Many years back, when I read financial blogs from the western world (US, UK, Europe), they always mentioned about coupons or discounts where they can enjoy more savings when they shop online. Since 2011, when I slide through those beautiful fashion bloggers on my Instagram, these beautiful fashion bloggers always has a special 'check-out code' so that her followers will enjoy certain discount when they purchase these clothes. Unfortunately during that time, these coupons or discounts were not available locally.

And recently I came across iPrice Coupons, just like what I've read from the western financial blogs and what I've saw from my Instagram, we now can shop online and enjoy better savings locally in Malaysia! It is 'mouth-watering' to see online stores such as Zalora and Lazada with huge discounts and so many special deals. With this, we can have a smarter online shopping experience.

Something which I like about iPrice Coupons, they only post free coupons and free vouchers. No membership required. Meaning, you can just click on the 'Get The Code' to get the special code and use it while you check-out your online store.

If you are a frequent online shoppers, you should check out the coupons, discounts and voucher on iPrice Coupon.

photo credit: alles-schlumpf via photopin cc

Friday, November 7, 2014

It Is Time To Pay Your PTPTN Study Loan

One of the hot news in local newspapers this week is Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN) had to reduce the total financing starting 1 November this year due to limited funds. And the related news is that these limited funds was caused by a huge number of graduates did not start to pay their study loan as agreed. In my opinion, it is really unfair for students enrolling for public and private institution of higher learning been punished for what these PTPTN loan defaulters had done.

To those who had never made any PTPTN loan repayment, it is time for you to start to make your first payment. Take the first step to make the payment. If you have difficulty, contact PTPTN directly. In the  PTPTN agreement, you had agreed to settle the study loan right? So, since PTPTN had helped you to have your diploma or degree or PhD, it is time for your to pay back to PTPTN and to the society.

I am sure you have younger siblings, or your niece/nephew/cousins, your extended family's son/daughter, or your colleague/neighbor's son/daughter. Imagine any of them - your younger brother/sister/niece/nephew/friend's son not able to go through his or her tertiary education because of limited PTPTN loan. Or, perhaps your future son or daughter who need PTPTN study loan, will have difficulty to get one too. You should know the importance of sufficient financial support in tertiary education.

Let's face it. The whole society is interconnected. Keep your promise to settle your PTPTN study loan. 

Tuesday, October 28, 2014

Money Management Made Simple

For some of us, money management seems like a scary, complex and complicated stuff. Thus, we avoid it until one day, something serious happened and we have no ways but were forced to face it. Well, don't wait till your money matter become that bad. Money management only require some simple arithmetic skills and most importantly is being consistent.

Here, I share 5 simple money management skills:

1) Spend Less Than You Earn
We all know this is the most basic part of money management. If what you spend is less that what you earn, then you're in the safe zone. If you want to challenge yourself, try to overspend for one or two months, then you'll know how difficult  it is to pay for the overspent amount. You will know it will be painful to find that extra money to pay for the overspent amount. So, make sure what you spend is less than what you earn.

2) Pay Your Self First
Make sure you pay yourself about 10% of your monthly income. Deposit this 10% in a different account so that you can save it aside. Promise yourself that you will not touch this savings unless it is emergency. Make a short term / long term plan for this savings - such as down payment for a car, a house, wedding, retirement, etc. You have to pay yourself first, otherwise, after you settle your monthly utilities, credit card, and other invoices, you will have nothing left. If you pay yourself first, then you'll have to adjust the expenses with the remaining 90% of your salary.

3) Avoid Bad Debts
Bad debts are like credit card debts. I know it's hard to overcome the temptation to spend using credit card. But, you must remember - if you spend the future money by swiping your credit cards, it will take you at least twice the effort to pay it back. If you've started the swiping the credit card habit,  you will find that it's hard to control that habit. So, use the credit card wisely.

4) Grow Your Money
Once you've got some savings, learn to grow the money. Try with some investment products such as unit trust. Do not invest all in one go, but do it step by step to test the water. When you feel more comfortable and confident with your investment strategy, you can top up or diversity your investment. Do not expect your money to grow overnight, but do allow for a few years before you can see the result.

5) Protect Yourself and Your Wealth
You should know that all cars on the road must have insurance coverage. You are much more important than your car. So, make sure you have enough insurance coverage. This is even more important if you have family - a wife, kids, other dependent. It's now too common to hear serious sickness. With a good coverage, at least it can lessen the family burden during difficult time.

Actually, money management is not that complex. It is much simpler than handling a bankruptcy situation. Learn to know more about financial literacy and tackle the skills step by step, one at a time. Over the long run, you will be able to see the result.

photo credit: via photopin cc

Tuesday, October 21, 2014

The Tough Side of Doing SALES

In my earlier post in July this year, I shared about '7 Reasons Why You Should Consider Sales Profession'. I think it will be unfair if I only share the good part and exclude the tough part of doing sales. So, in this post, I share my thought on the tough side of doing sales:

1) Meeting Sales Target
I guess this is the part that drive most people away from sales profession. The pressure of achieving the sales target no matter what's the situation. This is also one of the aspect that make sales profession different from other profession. Because of this target, those in sale profession had to crack their brains to find ways to achieve their sales target. Along the way, they learn new things too.

2) Thick-Skinned
In sales line, one must have some level of 'thick skin' because it is common to expect more than 50% of rejections in sales (first approach). One must take initiative to start the conversation and be approachable. One must be able to take and handle criticism professionally. Among the attitude of a successful salesperson would be someone who take rejections positively.

3) The 'Sandwich' Situation
As sales personnel, one become the representative of the company. Once the deal is successful, the sales personnel become the middle person between the company and the customer. If everything is smooth, then there is not much problem. But, when problem happened (which in most cases, problems do happened), then the sales personnel is in a 'sandwich' situation. Sales personnel must be smart to handle both situation smartly as both are equally important.

4) Be Prepared for Multi-Tasking
In one day, a salesperson must be prepared to make cold calls, arrange appointments, meet up with prospects, receiving complaints/inquiries either by phone/email/fax/SMS and attending to all these complaints and inquiries. At the same time, he must be prepared to have meeting with his colleagues, his superior and other team members to solve his clients' complaints and inquiries. Not forgetting, to be responsible for his client's payment records and his daily/weekly/quarterly/yearly reports as well. One of my bosses said, being a sales person means that we're a 'small boss' taking care of our own 'small business' :)

5) Overcoming the bad-label of a typical salesperson
In some office doors, you will see 'No Salesman Allow' signboard. This show that, most people still have negative thought about salesperson. Perhaps they have had bad experience with some sweet talking salesman. So, I find that it is quite challenging to change the prospects perceptions towards salesperson. It's not easy. Prospects always have this feeling that salesperson always give empty promises or over-promise. So, in order to overcome this, a good sales person will always think for the benefits of her clients and at the same time the company is 'happy' with the benefits. In other way, win-win situation for both - company and clients.

The above are my thought on some of the tough side of sales profession. Perhaps it is different from one company to another and it also depends on the industry you're working with. If you have more to share, feel free to comment below.

photo credit: inertia_tw via photopin cc

Sunday, October 12, 2014

Will RM2,500 Suffice For Fresh Graduates in Kuching?

Reading from The Star Online earlier this week on whether RM2,500 will suffice for fresh graduates , I think it's interesting to see the sample of a fresh graduate budget. This is a sample of a monthly budget for a fresh graduate in Kuching with a monthly salary of RM2,500:  

EPF contributions (11%): RM325
Daily pocket money and food allowances (RM20x30days) : RM600
Car loan installment (Myvi @ 9 years): RM450
Accommodation (inclusive of water and electricity): RM300
Petrol/Fuel: RM250
Phone/Internet Connection: RM100
Study loan (PTPTN): RM150
Insurance: RM100
Clothing, body care, hair care and other miscs: RM125
Savings: RM100
Total: RM2500
(Note: the figure is based on my observation and some assumptions)

The above has not add in other spending such as movies, special outing, dining, cool gadgets, emergency needs, medication and others. RM2,500 seems to be quite a lot but after taking care of the basic needs, not much left. Perhaps fresh graduates can choose to stay with parents or family members to save on accommodation. Also, have to adjust on food allowance for more cash to be spent on others. It seems like a big portion of the monthly salary spend on transportation (RM400 + RM250 = RM650). Other alternatives to reduce on transportation cost will be change to motorbike or car pool or share a family car or perhaps getting a smaller or second hand car with much lower monthly installment. In Kuching, we can't rely on the public transport, so the idea of using public transportation to go around is not a solution for fresh graduates.

The budget above still looks OK because there's savings of RM100 per month and there's a basic insurance coverage. I believe most of the fresh graduates had neglected the insurance part.

With some adjustments and 'temporarily sacrifice', it looks like RM2,500 seems to be sufficient for fresh graduates in Kuching. For fresh graduates in bigger cities such as KL, Penang, JB and other major towns where the cost of living (room rental, toll charges, food allowances) is higher, with monthly salary of RM2,500, it's quite hard to survive. Seems like they need to make more sacrifice and adjustment.

photo credit: Shawn | Shiyang Huang via photopin cc

Thursday, October 9, 2014

How To Check Your PTPTN Statement or PTPTN Balance?

I started to pay to study loan from Perbadanan Tabung Tinggi Pendidikan Nasional (PTPTN) since I received the first letter from PTPTN to inform me to start paying my study loan (about fews months after my graduation). I was considered lucky as I got employed right after I graduated. So, there's no problem for me to start my PTPTN loan repayment.

Along the way, I lost track of my PTPTN loan repayment records. At the same time, I also need to check whether my loan repayment was updated according or if there's any payment missed out. After done some reading and searching on PTPTN main website, I later found out that I can easily check my PTPTN statement from PTPTN epay (This is for Pinjaman Pendidikan Konventional (3%) only). You will need to key-in your IC number (12 digits without space, eg: 800412135522) and your study loan number (Nombor Pinjaman). If you forgot your study loan number, you may call, email or SMS PTPTN and the details is on the PTPTN epay website. Once log in, you will be able to see the complete statement of PTPTN loan repayment records. You will also be able to see the balance left.

For those who opted for the Ujrah (1%), you may check the PTPTN statement here. Honestly, I have never log in to the Ujrah statement. In case you've successfully log in, perhaps can share your experience here.

Update 3 Nov 2017:
1) You may download the complete instruction on how to to check your PTPTN statement for Pinjaman Pendidikan Konventional (3%) or Ujrah (1%) here.
2) You may call PTPTN Hotline at 03-20804455 or you may use 'Aduan Online' to get your pin number. Else, you may use the SMS service (Type PTPTN NOPIN[JARAK]NOKP and send to 33199. The SMS charge is RM0.50/SMS and the service is available 24/7.

photo credit: LendingMemo via photopin cc

Monday, October 6, 2014

Can We Rely on KWSP @ EPF Savings to Fund for Our Retirement Years?

Reading from Yahoo News yesterday, it is sad to know that almost 70% of active KWSP @ EPF contributors at age 54 have less than RM50,000 in their accounts. These group of contributors only have about  6 more years to increase their savings in their KWSP @ EPF accounts. Retirement age for private sector employees had been increased to 60 years old since July last year. But, it seems like many companies are still practicing the 55-year old retirement age.

With inflation and increasing cost of living, it will be hard for retiree to enjoy their retirement years. 

With the minimum wage of RM900 for West Malaysia and RM800 for East Malaysia, how much can we expect from our KWSP @ EPF savings when we retire? Even though, the total savings of monthly EPF is 24% (11 percent from employee and 13 percent from employer, 12 percent from employer for those earning more than RM5000 per month), it is still not enough to support our retirement years.

We can't rely on KWSP @ EPF savings for our retirement years.

First, we must find alternative to increase our income. Second, we must save a big portion of our monthly income. Third, we must invest our savings so that we can grow our hard earned money. Forth, we must be careful with our money related matters especially nearing or after retirement. I understand you need to help your children through their college year, but they have unlimited alternative nowadays - the most common one is PTPTN. I understand you need to help to get a car for your children when they start working, but they can opt public transport for the first few months until they save enough to buy a car. I strongly disagree if you wish to pay for your child's wedding or down payment / monthly installment for their home. Your retirement savings is for you during your retirement years. Your children still have plenty times to earn their income.

I would like to repeat again, we can't rely on our KWSP @ EPF savings for our retirement years. It's never too late to take a good look at your retirement savings and start to plan from there. Stop blaming the situation but take action and be responsible for our own decision.

photo credit: 401(K) 2013 via photopin cc

Friday, September 26, 2014

Financial Problems - Among The Reasons for Divorce in Malaysia

Reading the article Serving Matrimonial Ties from The Star Online today, I am quite shocked to know that the Syariah court in Jalan Duta is handling an average of 210 divorce cases in a day which is about 30,000 to 50,000 cases in a year. That is quite a huge figure.

Towards the end of the article, it mentioned that the primary cause of the divorce cases in Malaysia is financial problems, followed by drug abuse, and mental and physical abuse. So, financial matter does really play an important role in today's marriage. 

It is better to understand your partner's financial habits before tying the knots. And please do no hide your financial problems from your partner because you won't be able to hide it forever from your partner. It is best to have a proper discussion about financial matter before entering the marriage phase - among others: who pay what,  spending habits, whether to have join finances, existing debts, to have or not to have children,  and many more. Maybe it won't assure zero financial problems after marriage but I believe it does help to provide a guideline and some expectations when the couple got married. Once married, when financial problem, it is important for both partners to 'communicate properly' to reduce the financial strain. 

Let's hope that couples in Malaysia will be able to tackle financial problem smartly. Let us use money to make our marriage stronger...

photo credit: DrJohnBullas via photopin cc

Tuesday, September 16, 2014

Why SOSCO@PERKESO Is Important for Malaysian Employee

Other than EPF@KWSP, Malaysian employers are required to register and contribute to SOSCO@PERKESO on monthly basis. You can click here for the rate of SOSCO@PERKESO contributions, based on your monthly wage. Maybe the monthly contribution which is deducted from our monthly payslip is not significant (the highest contribution by employee is RM14.75 - for monthly wage RM2,900 and above), but it is very important for us to contribute to SOSCO@PERKESO.

SOSCO@PERKESO is just like 'an insurance at work', where the workers are protected when they are at work. It can be accidents while traveling to / from work, accidents at work, accidents during emergency at work or illness caused by working condition (employment injuries or occupational diseases). I am amazed by the list of benefits provided by SOSCO@PERKESO. You can refer to the full list here.

So, all employers and employee must take SOSCO@PERKESO seriously. At least, when something happened while we are at work, we have SOSCO@PERKESO for the medical benefits including temporarily / permanent disability, dependants' benefit or funeral benefits.

For all employers out there, please ensure all your employees are registered with SOSCO@PERKESO and most importantly, must pay the monthly contribution accordingly. If something happened to your employee while she/he is at work, at least some of the medical expenses can be covered by SOSCO@PERKESO. For employees, please check your monthly payslip for the SOSCO@PERKESO contributions.

Sunday, September 14, 2014

(Local) Places of Interest To Visit In Kuching, Sarawak

This post is dedicated to those who are planning to visit Kuching, Sarawak. Occasionally, I do have friends or relatives visiting Kuching for the first time. Usually, they will request to visit places of local interest. Sometimes, they will request to experience the life of local Kuching people. I guess, if it's me, I would prefer to visit and experience the life of the local place as well, rather than just follow the itinerary provided by tour agencies. So, here I listed down 8 places of interest with some 'Kuching feels'.

1) Sarawak Muzeum
Based on the name, you already roughly have an idea about this place. Located within Kuching city centre. A visit to Sarawak Muzeum will enhance your knowledge about the life of the local people, their culture and its history.

2) Ewe Hai Street
I usually see a lot of tourist along Ewe Hwai Street. You can easily locate Ewe Hai Street or Jalan Ewe Hai from Google Maps. Along Ewe Hai Street, you will see many Bed & Breakfast, Lodge, eateries, cafe and other local shops. You will be able to find the tourist-famous local coffee cafe, Black Bean Coffee & Tea Company. You will be able to smell the freshly brew coffee from far away :) Black Bean Coffee & Tea is famous for its Sarawak gourmet coffee. These coffee beans are planted by the local Bidayuh and it's organic. I would say, the coffee has a very special taste and my bro-in-law from Taiwan loves this coffee very much. If you're a coffee lover, I would strongly encourage you to give our local coffee a try.

3) India Street
This is a very busy street located within Kuching city centre. It's famous for its textile and spices. Other than that, there are many other shops as well. You will experience many different layer of Kuching people here.

4) The Pasar Tani MJC, Batu Kawah (MJC's Farmer's Market)
Whenever I have the chance, I would visit Pasar (Local language for 'market') Tani ('Farmer) MJC (a local town in Kuching developed by MudaJaya Corp). I love to see the fresh produce from the local farmers, the different walks of life of Kuching people and the many local foods only available in Kuching. So far, I don't see many tourist visiting this place. But, I would strongly suggest you pay a visit to this place. It's located about 20mins drive from Kuching town. Take note, it only open on Thursday and Friday, 1pm-10pm. It is better to visit on Thursday as there're more traders on Thursday compare to Friday.

5) Jong's Crocodile Farm
Jong's Crocodile Farm is a famous place of interest among the local as well. Located along Kuching/Serian Highway, you will need about 40mins drive from Kuching city centre. Most travel agency will arrange for its tour for a visit to Jong's Crocodile Farm. You will not only expect to be entertained by the crocodile show but also have the chance to see  many other unique animals as well. I would strongly suggest you visit during crocodile feeding time, 11am and 3pm daily. There are entry fees applied.

6) MBKS (Council of the City of Kuching South)
This is the administration centre of Kuching City South. But, I am not suggesting you to visit the administration office :) Late in the evening, between 5pm-7pm, I would suggest you have an evening walk at MBKS. You will see many local Kuching people from all walks of life also taking the opportunity to jog, have an evening walk, bringing their kids to the playground and some old folks chit chatting at the garden along MBKS buildings. You will be entertained by the local flora and other plants as well.

7) Semenggok Orangutan Rehabilation Centre
This is another famous tourist attraction, located about 25mins from Kuching city centre. I myself have been here a few times. If you are lucky, maybe you will be able to have a wefie with the orangutans. Open from Mon-Fri only, 8am-5pm. Remember to visit during feeding time, 9am and 3pm.

8) Local Pottery Shops along Jalan Penrrisen
Along the journey to Jong's Crocodile Farm and Semenggok Orangutan Rehabilation Centre, you will passed by a number of pottery shops along Jalan Penrissen. I would strongly suggest you drop by these local pottery shops to see the different design of Sarawak pottery. You will be able to find local Sarawak souvenir at very reasonable price too. 

These are among the local places of interest which I think will be able to give you the 'Kuching feel'. I hope you will enjoy your stay in Kuching. Feel free to drop me a message if you would like to know more about these places.

Monday, September 8, 2014

It Is Not How Much You MAKE but How Much You SAVE Matter

Would you agree when I said that it's not how much you make matter, but it is how much you save that matter most? You can have monthly income of RM10K but, if you spend all your income of RM10K, you have nothing left. Maybe my monthly income is only RM2K, but if I manage to save 10% of my monthly income, in one year, I will save RM2400. And if I continue to save 10% and invest my savings, in a few years time, I will see quite a substantial amount in my saving. And for your case, even if your monthly salary increased to RM20K, but somehow you still can't control your spending habit and spend all RM20K, then you will have RM0 savings. I know there are cases, whereby a person make RM10K per month, he spend it all and worse, he still borrow his future money to spend (credit cards, personal loans).

Of course, the perfect situation would be, one able to earn big income and at the same time, consistently save a portion from his income.

Nowadays, I understand that it's not easy to save a certain portion of our monthly income. But, it still can be done. With strong determination and proper self discipline, you will be able to do it. Do not be too hard on yourself, start by saving a small percentage and when you feel more comfortable, slowly increase the percentage of savings. In a few months time, you will be amazed with the amount saved.

In financial planning, it's not how much that we make matter, but how much we save matter most.

photo credit: ota_photos via photopin cc

Thursday, September 4, 2014

A Mini Retirement

Reading this article from MSN Money, I would really love a mini retirement. Well, just before the actual retirement in our golden ages, wouldn't it be nice if we can take a long break from work and do the things we love to do? What I meant by a long break is probably a few months or maybe a year or two :) To have the time to enjoy little things in life, like spend more time with our loved ones, finding new hobbies, go visiting to other places or maybe just chilling at home. Or perhaps just taking a stop from the everyday busy life, well you know... the kind of robotic life (wake up, go to work, lunch, work some more, go back home, dinner, sleep, wake up again and the circle continues), and spend some time thinking on the next direction of our life? We all know, we only live once and time is limited.

Are you thinking of a mini retirement too?

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Monday, September 1, 2014

A Recommended Eye Specialist Clinic in Kuching

On the early morning of 15 July 2014, I was shocked when I looked at my right eye in the mirror. The white part of the corner of my right eye was very red and it seems like there's traces of blood inside. At first I thought it was due to shampoo but it doesn't look exactly like that. I quickly get my hubby to check on my right eye. Hubby said looks like something wrong with my right eye. But, there's no pain, just slightly uncomfortable for my right eye. I told hubby I will wait till noon, if the redness still there, then I will go to see a doctor.

When I arrived at office, my colleague was shocked when she noticed my very red right eye. Actually, I think my eye looked scary. She told me to see a doctor immediately. Around noon time, I decided to see Tiong Eye Specialist Clinic. When I arrived, the clinic was quite full. The receptionist is very friendly. When she looked at me, she roughly know my eye problem. She said not a serious problem, but the redness will expand within 24 hours. While waiting for my turn, I chit chat with 2 aunties who's also waiting for their turn. One of them was doing a follow up after a cataract surgery. Her eyes are looking great. The other one was accompanying her husband for eye boils removal. I asked them about the services provided by the clinic, both of them said the service was good but some time have to wait for quite long due to long queue.

When it was my turn, the first nurse asked me about my eye problem and some questions. She checked both of my eyes. Then, another nurse checked both of my eyes. Then, finally the specialist, Dr Tiong checked my eyes. He thoroughly checked my right eyes using some tools and told me there's no big problem. My eye problem is called 'bleeding eyes' or Hyphema in its medical term. Knowing that, I feel relief. But, Dr Tiong said there're possibilities that the redness will get worse within 24 hours.When I asked him, what had cause my 'bleeding eyes', he said it was caused by broken eye capillaries. Just like bruises on our skin. There's no specific reason why it happened. Maybe due to heavy stretching. Or it could be I accidentally 'hit' my right eyes when I was asleep. He said the redness will be gone in a week time and it will not spread to the other eye or to other people. He prescribed a small bottle of eye lotion to remove the uncomfortable feeling in my right eye.  Total bill is RM60.00 (RM50 for specialist fee and RM10 for the eye lotion).

The redness spread slightly in that evening but slowly disappear. Within one week, it's totally gone.  

I am pleased with the service provided by Tiong Eye Specialist Clinic. The receptionist, the nurse/assistant and the specialist himself are very professional and friendly. I can tell, they are a group of people with good teamwork and with very good experience. As for the charges, it is very reasonable. For those from Kuching and if you are looking for an eye specialist, I highly recommend Tiong Eye Specialist Clinic, located at Timberland Medical Centre, Kuching. The contact number is 082-425322. Clinic hours from Mon-Sat: 8am-1pm. Mon-Thurs:1pm-5pm (Surgery).

photo credit: Michele Catania via photopin cc

Wednesday, August 27, 2014

How To Check LHDN @ IRB Travel Blacklist

Yesterday, I read from The Star Online here and here that Lembaga Hasil Dalam Negeri (LHDN) @ Inland Revenue Board (IRB) is barring tax evaders from leaving the country at Immigration counter or airport auto-gate. It looks like now, the IRB has engaged the support from Immigration Department to enforce travel 'blacklist' for those who didn't settle their tax accordingly. I can't imagine the trouble of being stopped at immigration counter or auto-gate when we are ready to board the flight somewhere for a nice vacation which we had been waiting for so long. Can't imagine had to tear off the boarding pass :(

So, if you suspect you are one of the the tax evaders, it's better to check whether you're in the LHDN @ IRB Travel Blacklist or not, before you proceed with your travel arrangement. You can check for LHDN @ IRB Travel blacklist here. Just key-in your 12 digits Malaysian Identity Card (IC) Number will do. From the reply, you will know whether you're valid to travel or had been restricted to do so. If you're restricted to do so, there're possibilities that you're blacklisted and you must contact Immigration Department for further information.

Paying taxes is part of our duties as Malaysian citizen. Just make sure you file your yearly tax accordingly, to avoid being blacklisted by LHDN @ IRB.

photo credit: Walt Jabsco via photopin cc

Friday, August 22, 2014

How To Reduce Your Blood Sugar / Glucose Level By Using Natural Way

(photo credit: USDAgov via photopin cc)
Today, I am sharing something not so related to finance. It's related to health. Yes, it's about how to reduce blood sugar level naturally or using the natural way. Last month, during a general health screening, hubby found out that his blood sugar level has increased and it's slightly more than the normal acceptable range. He's quite worried. The reading as below:

Date: 11 July 2014
Glucose / Blood Sugar Level: 5.6 mmol/L (result with fasting. normal range is 3.9 - 5.5 mmol/L)

So, hubby went to a few pharmacies and drugstores, asking these professional if there are ways to reduce blood sugar level. Some of the advice are to reduce the carbohydrate intake, to limit consumption of fruits like banana, exercise more and of course to avoids sugary products such as cakes, sweets and biscuits. A few days later, hubby went to a local drugstore and asked the owner if there is any natural food to reduce blood sugar level. The drugstore owner get hubby to buy a small packet of 'Sky Fruit Seeds' (also know as Mahogany King Seeds - refer to above picture for the physical look of the seeds). It cost him RM15 for about 50g. The seeds are very light. There is about a few hundreds seeds in that small packet. He said there're quite a number of good testimonials from these Sky Fruits Seeds. Since this is a natural food, so hubby thought there's no harm to try. Before this, we're informed by my parents that these Sky Fruit Seeds is good for reducing cholesterol level. It does work magic on my father's cholesterol level. The drugstore owner told hubby to take 2 small seeds every morning (empty stomach) with a glass of filtered water. So, for the first one week, hubby took 2 small seeds every morning. Then, on the second week, hubby reduced to only 1 seed every morning because hubby said he feel a bit weaker. I noticed that hubby's tummy become flat. The third week onward, hubby reduced to only a half of the seed every morning.

Yesterday early morning, hubby went for another blood test for his blood sugar level. In the afternoon, hubby was a bit surprised to see his result as below:

Date: 21 Aug 2014
Glucose / Blood Sugar Level: 4.6 mmol/L (result with fasting. normal range is 3.9 - 5.5 mmol/L)

Amazingly, these Sky Fruit Seeds really help hubby to reduce his blood sugar level to the normal range. Actually, we didn't expect much from this seeds. So, now, hubby still continue taking these seeds every morning. In addition to these Sky Fruit Seeds, after the earlier blood test, hubby also reduce his carbohydrate intake. Perhaps, these combination really work for hubby to reduce his blood sugar level.

At the moment of writing, hubby and me were not being informed and unaware of any side effect of these magic seeds. Really hope that there will be more research done on these wonderful seeds. Since this seeds has helped my husband to reduce his glucose level, I am hoping that this will help others too.

Some additional info:
-In Kuching, these Sky Fruit Seeds are easily available at Chinese drug store. 
-These Sky Fruit Seeds taste really bitter. The first time I took this, the bitterness stay there for half a day. But, as you get use to it, the bitterness become less and less significant.
-Must chew the seeds thoroughly before swallow with a glass of water. I am not sure if swallowing the seeds without chewing will produce the same result.

Updated on 25 Aug 2014:
We are glad to share the blood test result as below:
(Date: 11 Jul 2014 - Before Taking Sky Fruit Seeds and Before Reducing Daily Carbohydrate Intake)

(Date: 21 Aug 2014 - After Taking Sky Fruits Seeds and Some Adjustment in Daily Carbohydrate Intake)
Note: This is just for sharing purposes. It works on my hubby but it might not works on everyone. Feel free to leave your comments.

Monday, August 18, 2014

Why Many Malaysian Are Still Without Insurance Policy @ Uninsured?

How many of us have more than one insurance policy? I think not many. In fact, there are many Malaysian who is currently without any insurance coverage. This is a very sad situation.

I think, among the reasons why there are many uninsured Malaysian is because of low financial literacy. Because they are not aware of the importance of insurance in their financial planning, so, insurance is always not in their list. Until something such as a serious health problem or an accident happened to a family member or a friend, then they realised the importance of getting an insurance policy. An improved financial literacy will be able to guide these people to get insurance policy as early as possible, not to wait till something happened, which by that time, it might be a little bit too late.

The second reason I can think of is inadequate fund. Life as an average Malaysian can be quite tough (financially). After taking care of the housing loan, car loan, monthly utilities bills, daily necessities and other basic needs, most of the time, not much money left. So, insurance is always left behind. By right, they have to reallocate their budget or spending plan. Try to adjust somewhere so that they can squeeze in a basic policy especially for the bread earner of the family.

The third reason why many Malaysian are still uninsured is bad experience with insurance agent. My own brother had a bad experience with his previous insurance agent. He was told that he only need to pay his  insurance premium for a number of years, and then his policy will be active and he will be protected. Many years later, he found out his cash value is not sufficient to cover for his monthly premium anymore. He was quite angry and try to contact his insurance agent. But he was informed the agent is no longer an active agent. I told my brother that partial of the problem come from him because he didn't try to understand the policy that he signed, and he rely too much on the insurance agent. The other part of the problem is because of unreliable insurance agent providing misleading information. In short, these insurance agents are only interested to close the sale and thinking of their monthly commission.

The last reason which I can think of is also related to insurance agent. Some of the insurance agents are not proposing the policy according to the needs of their clients but instead based on their own needs, resulting the clients cannot afford to sign for a policy. Some may wish to get a policy but not able to pay the high monthly premium. A good insurance agent will try to understand his clients situation and needs before submit his proposals. He should propose a policy with the lowest premium but highest protection. I believe there's always a good policy which is suitable for each person accordingly to his age, lifestyle and his financial needs. So, try to get a good and reliable insurance agent.

Note: At the time of writing, I am not an insurance agent. I just feel that I need to share my views and hopefully I can open the minds of those who has not been insured, to start gathering more information about different policy and try to get an insurance coverage for themselves and for their families. Also, I hope that there will be more professional and reliable insurance agents out there to better serve all Malaysians.

photo credit: h.koppdelaney via photopin cc

Wednesday, August 13, 2014

Why I invested in Private Retirement Scheme (PRS)?

If you've read my earlier post here, you will know that I had made my first Private Retirement Scheme (PRS) investment in December last year. I read from The Star Online that, as at 31 August 2013, there were 36,663 PRS contributors. Seems like not so many are interested to invest in PRS. Or maybe the figures had significantly increase by now?

Personally, there are 2 reasons why I invested in PRS:

1) Individual Income Tax Relief
This is the main attraction. Tax relief of up to RM3,000 per year for taxable income for the first 10 years starting from assessment year 2012. I've missed out assessment year 2012. So, I have about 8 more years to go.

2) To Compliment my KWSP@EPF Savings
One thing I am very sure is that I cannot rely on my KWSP@EPF savings alone for my retirement planning. I am definitely sure, my KWSP@EPF savings will not be sufficient to support me and my lifestyle in my golden years. So, this PRS investment is an add on to my existing investment portfolio. It is also a force savings for me. Hopefully, over the years, my PRS investment will grow into a significant amount.

photo credit: 401(K) 2013 via photopin cc

Monday, August 11, 2014

Do You Hire A Personal Financial Adviser @ Consultant?

I read about this articles on The Star Online today. I believe there are quite a number of people out there who are 'financial phobia' :) Well, people who had sweats all over when talk about money managing.

What the writer said is very true. Everyone must devote some time to manage our financial matter rather than to avoid it. After all, it is our responsibility to do so. We cannot expect our spouse or another family member to manage our finances for us. We must learn to take up the responsibility.

This article leads me to wonder whether you hired a personal financial adviser or consultant to manage your financial matter. Personally, I did not hire a personal financial adviser or consultant to take care of my financial matter, but I do invest with unit trust consultants. Why I didn't hire one? Because I think, at the moment, I still can manage my finances on my own. Even if I hire a personal financial consultant in the future, I still think I will not let him take full charge of my financial matter. I will prefer to get some advice and at the same time learn from him on how to better manage my finances rather than let him manage my finances. Why? Because I strongly believe that I myself know my financial situation better. And I cannot rely on him 100% because he has to take care of his other clients too.

So, do you hire a personal financial adviser or financial consultant consultant to help out with your financial matter?

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Sunday, August 3, 2014

An Update On My Public Mutual - Public Dividend Select Fund

One of the many things that make me happy is when I received my statements from my unit trust investments. Recently I received the final distribution statement for my Public Dividend Select Fund (PDSF) for financial year ended 31 May 2014. This PDSF was my first investment which I made in 2005 with RM1000 only. The distribution amount which I received for financial year ended 31 May 2014 is RM181.49. It is quite impressive. So, as at 31 July 2014, from my RM1000 investment which I made in 2005, it is now turning into RM2,575.60. I am thankful for this and I hope to receive more good news for my PDSF.

photo credit: Alan Cleaver via photopin cc

Monday, July 21, 2014

7 Reasons Why You Should Consider Sales Profession?

The other day, I was asking my teenage nephew about his plan after finished his study. He asked me back about my suggestions. When I suggest to involve in sales profession, he quickly said 'no.. no.. not for me' Then I asked him ‘why not?’. He said he does not want to be 'rejected' (means not successful in selling to prospects).

But, based on my own experience, a person should give himself or herself a chance to be in sales profession. I share below on 7 reasons why you should consider sales profession:

1) Meeting new people
You will get to meet many people from all works of life. From the receptionist to the clerk to the manager to the managing director and to the CEO as well. Along your way, you will find that these people will be able to assist you and helping your in building your own network. 

2) Exposure to the ‘outside world’
When I said ‘outside world’ it means the environment other than your own working place. You got to see different offices with different environment. You got to be exposed to different field and expertise. From here, you will have more diversified experience.

3) Building your own network
If you have many years of working experience, you will find out that networking play a very important role in all business. Your existing network might bring you new sales opportunity. It might affect your future too. Because, through this network, you might be offered another new opportunity or your dream job.

4) A training ground 
Sales career is a tough career. Along the way, there is a lot of self planning and self training involved. It also needs a brave heart and very positive attitude to keep the momentum going. It is good especially for those who just join the workforce to be involved in tough situation to build up his confidence. When the person look back, I am sure he will appreciate the opportunity given.

5) Recession proof profession
Sales person is needed everywhere in every organization. Even during recession, a company still need to hire sales person. If a company is downsizing, sales staff are seldom affected. Simply because the company still can operate without an admin staff but without a sales person, it is rather hard to run the business. Sales staff are needed to bring in sales/revenue for the company so that the company still can stay afloat and business is still running.

6) Potential of Good Income
Usually the salary package for sales profession is attractive because it involves commission. Other than the basic pay, a big portion of the salary come from sales commission. That's why it not unusual to see five figures salary for a top sales person. And usually, this big fat paycheque is the reason why many are into sales profession.

7) Flexibility in your working hours
As most of the time, the sales person are not station in the office, he can find flexibility to move around. Depending on the company policy, some companies are very lenient to their sales team by giving them full control on their own office hour provided their sales are coming in. Comparing to a typical 9 to 5 cubicle work, it is great to be able to have your own freedom and plan your own schedule.

Personally, I would strongly encourage fresh graduates to at least give oneself a chance in sales profession. This profession will definitely bring many benefits for their future career path.

photo credit: thinkpanama via photopin cc

Wednesday, July 9, 2014

How Long Can We Expect Tax Refund from Inland Revenue Board (IRB) @ Lembaga Hasil Dalam Negeri (LHDN)?

I read from The Star Online that Inland Revenue Board (IRB) @ Lembaga Hasil Dalam  Negeri (LHDN) stated that all tax refund are processes within 30 days from the e-filing submission.

I submitted my 2013 income tax through e-filing on 17 June 2014. I have tax paid in excess due to my monthly tax deduction through PCB (Potongan Cukai Bulanan). Yesterday (8 July 2014), I received the overpaid tax through direct transfer to my bank account. So, what do you think about the time frame of the tax refund? I would say IRB@LHDN had done a great job to keep their promise. Their efficiency had made many Malaysian smiles. Keep up the good work! 

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Monday, June 30, 2014

How A 'Calculator' Can Help You Better Manage Your Finance?

I found a wonderful website where I can use the calculator to calculate the value of my future savings. Well, for example, if currently you have 100K in your EPF @ KWSP savings, are you curious to know the amount during your retirement in 20 years? Or, you can compare the return of investment from fixed deposit placement versus unit trust investment. Of course, it will be hard to know the exact figure but the calculator will roughly provide a figure for our reference. Because the return of investment in unit trust does not promise a fixed percentage.

One thing which I realized is that the time frame really play a super important role in our investment planning. The longer the time frame, the better the performance of our savings. The compounded interest bring charm to the investment plan. There is a huge difference of the same initial amount invested over 10 years and 20 years.

If time frame is a limitation, then we have to play around with the interest rate or return of investment. Instead of putting our money to a slow growth investment, why not learn to take some risk and place our money in an investment with better return?

With the technology today, I know there are also many other websites with financial calculator and there many available apps too. Let's learn something from this smart calculator :)

Note: Feel free to click here for the website. This website not only offer for financial calculator but also other calculators including unit conversion and health calculator.

Image courtesy of adamr /

Thursday, June 26, 2014

A Good Nursing Home @ Old Folks Home in Kuching

Recently, my husband and me visited a friend at a new nursing home in Kuching, Kenneth Care Home. Surprisingly the new nursing home is really like a home. The only difference is that there is too many pairs of shoe at the entrance :) And also, there are more beds compare to a normal home :) 

Most of the residents are senior citizens. Some are those who has been discharged from hospital but need 24 hours care such as stroke patients. We've also heard that some are temporarily residents who need additional support and care while they are recovering from sickness.

We chit chat with the nurses at the nursing home. They (the nurses) seems to be quite nice and are quite professional at their work. They take turn to stay overnight at the nursing home so that they are able to provide 24 hours care for the residents. They also provide day care services for the elderly.

The nursing home (the 5th branch) which already started its operation about 6 months ago is very spacious, clean, hygiene and properly taken care of. It is just like a big home. 

In term of the fees, I think it is quite reasonable with the services provided.

Personally I think this is a good quality nursing home. I have to admit that nowadays, a nursing home is a need in most developing cities including Kuching. Just like child care centre where we send our young kids while we are at work, similarly we also need a good place for our parents or parents-in-law to be well taken care of while we are at work. Mainly because our lives has changed so much since the past 10 to 20 years ago where usually there is a stay-at-home spouse to take care of the young and elderly.

For those of you who are interested to now more about this nursing home, please visit their website here.

Note: This is my personal experience and I am not being paid to advertise for their services. My main purpose is to share with fellow Kuchingites in case they are looking for nursing home for their loved ones in Kuching. I understand how tough it is to find a reliable place for our loved ones during difficult time. Let us spend more time and show more appreciation while we still have the chance.

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Wednesday, June 11, 2014

Can We Really Make Money from Blogging?

Can we really make money from blogging? I am sure most of us (especially bloggers) had asked this question before. Well, the answer is a definitely a 'YES'. But, to make a lot of money, it takes a lot (I meant really a lot) of effort, sacrifice and most importantly, being persistent. 

I would love to share a blog which I came across a few months back while reading some articles from international living. This wonderful blog is 'Pinch of Yum' by Lindsay and her husband, Bjork. I remembered the first time I landed on 'Pinch of Yum', the beautiful food graphics taken by Lindsay caught my attention. I started to read some of their posts, and I enjoy most of them.

One typical post which caught my attention is their monthly income report from their blog 'Pinch of Yum'. Every month, Bjork will be writing a very detail post on their monthly income (expenses, income sources). He also shared some tips or new things they learn to improve their blog's performance. Seeing their income growing month after month, I am really happy and proud of them. This is a proof that we can really make money from blogging. For Lindsay and Bjork, I must say I admire their work. A visit to their blog will tell you how much time, energy and effort they've put into it. And of course, the best part is their hard work really paid off. They proved that we can really make money from blogging.

photo credit: Kris Olin via photopin cc

Wednesday, June 4, 2014

Do You Feel The Pinch of Rising Cost of Living in Malaysia?

I have heard it many times this year. I heard it from my family, my friends, my colleagues, my customers and the media as well. Goods increased in price. Services increased in price. A simple breakfast which consist of a bowl of noodle and a hot drink used to cost about RM4 but now in most eateries, it is between RM5 to RM6. For a simple lunch which consist of a plate of nasi campur (rice with vege and meat) and a drink used to cost about RM5 is not between RM6 to RM7. Added up, for breakfast and lunch only, one would need to spend between RM220 to RM260. This is for a very basic and simple meal.

It is the same for household and groceries shopping. If last year RM200 is enough for a week of grocery consumption for a family of 4, but now one might need to increase to RM250. For a car tyre which cost me about RM130 last year, is now RM170. I especially feel a huge price different when shopping for clothes. Two years ago, I can get a very good quality blouse for RM80. But now, I will need to pay between RM120 to RM150 for a good quality blouse! Sometimes, I wonder whether there is something wrong with the pricetag!

I do really the pinch of rising cost. How about you?

Note: Read here, here and here for some articles on rising of cost of living in Malaysia.

photo credit: Asian Development Bank via photopin cc

Wednesday, May 7, 2014

How To Achieve Your New Year Resolutions?

It is now May. Almost half of the year gone. Do you still remember those new year resolutions you've made earlier this year? Are you on track? Or, you've totally forgotten about these resolutions? I would say only some still remember those new year resolutions (without referring to the written resolution list) and only a few would be those on track. The rest might be repeating the same resolutions again next year. It is easy to list down our new year resolutions, but to achieve these resolutions, it's really not easy. It takes a lot more effort and most importantly, persistency.

So, how to achieve our new year resolutions successfully?

We take example, one of the most common new year resolutions would be 'save money'. The term 'save money' is too common and not specific enough. To help ourselves to achieve this resolution, we should be more specific. For example, instead of 'save money', we should write down 'save RM6000 towards the end of the year'. From there, we can breakdown the resolution to a 'smaller resolution'. For example, 'save RM500 at the end of every month'. Now, that looks more achievable right? It is funny how our minds work, but somehow it's tough when we see the figure RM6000. But, with RM500, it looks achievable. Then, make sure we execute the plan properly. And not forgetting to review the achievement from time to time. Try out with something achievable. Don't be too hard on yourself. Once you have had that small achievement, I believe you are ready and will be more enthusiastic for more challenging new year resolutions.

Apply and practice the same method for your other new year resolutions:
1) Be specific (what? when?);
2) Break down the one year resolution to a smaller resolution (monthly or weekly resolution);
3) Execute persistently;
4) Review weekly or monthly until the end of the year

I wish you all the best in your new year resolutions. You still have about half a year to go :)

photo credit: Lester Public Library via photopin cc

Tuesday, April 22, 2014

How To Check Salary Report In Malaysia?

Have you ever wondered if your current salary is what you should be getting? Or, you are underpaid or overpaid? You can check the salary report in Malaysia on This tools provide a useful information based on real data entered by users. Additional information includes qualification, location, industry, age and the years of experience of the user. This report provide a guideline for those who wish to know if their salary are within the normal range. This report also can help fresh graduates to plan their expectation of their first paycheck.

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Wednesday, April 16, 2014

How To Check SOSCO @ PERKESO Number?

Other than Employee Provident Fund (EPF @ KWSP), all employee and employer in Malaysia are required to contribute to Social Security Organization (SOSCO) or also known as Pertubuhan Keselamatan Social (PERKESO). SOSCO provides protection to its member in term of medical and cash benefits, which include work related injuries, illness and disabilities, accidents and death at work place. This site provide a details description of SOSCO.

For your information, our SOSCO @ PERKESO number is our IC number (12 digits, without dash). For example, 790812135512. If you still want to confirm your Pertubuhan Keselamatan Social (PERKESO) @ Social Security Organization (SOSCO) number, you may:1) Call to SOSCO @ PERKESO customer service number 03-4257 5755 (Monday-Friday, 7:45am-5:15pm). I've tried this. The friendly customer service gave me my SOCSO number in less than 1 minute :)
2)  Check online for your SOSCO @ PERKESO number. Key in your IC number, and you will be shown your name and IC number (which is your SOSCO number)
Hope the above helps :)
But, first of all, you must be a registered SOSCO @ PERKESO member.