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.

photo credit: sparkle glowplug via photopin cc

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