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RM1 Juta tak cukup selepas bersara

Just want to share this with my readers. 

RM1 juta tidak cukup selepas bersara

Rakyat Malaysia daripada golongan sederhana memerlukan sekurang-kurangnya RM1 
juta ketika bersara sekiranya mahu mengekalkan gaya hidup semasa.

Pengurus Negara ESG Direct Asia Pte. Ltd. bagi Malaysia, K. Sasitharan berkata, bagaimanapun jumlah itu sebenarnya hanya sekadar 'cukup makan' jika diambil kira kos perubatan dalam tempoh berkenaan.

Beliau berkata, berdasarkan tinjauan yang dijalankan mendapati hanya 10 peratus rakyat Malaysia yang memiliki simpanan yang baik untuk menghadapi zaman persaraan mereka nanti.

''Namun, simpanan tersebut bukan hasil daripada tabiat menabung tetapi sebaliknya disebabkan mendapat gaji besar sehingga menyebabkan simpanan dalam Kumpulan Wang Simpanan Pekerja mencukupi," katanya selepas mengadakan Seminar Khas Perancangan Kewangan sempena Minggu Saham Amanah Malaysia 2009 di sini.
Beliau berkata, sejumlah 10 peratus didapati menjadikan amalan menyimpan untuk menghadapi persaraan manakala 80 peratus lagi tidak bersedia langsung dan terpaksa bergantung kepada anak-anak.

   -Ada juga artikel yg menyatakan

Kumpulan Wang Simpanan Pekerja (KWSP) mempunyai caruman terkumpul berjumlah RM224 bilion sehingga Disember 2006 namun secara purata simpanan seorang pencarumnya yang mencapai usia 55 tahun cuma RM114,000. 
Dengan simpanan sebanyak itu, seseorang pencarum KWSP yangbersara hanya mampu membelanjakan RM475 setiap bulan bagi membolehkannya menampung hidup sehingga usia 75 tahun. 
Perbelanjaan RM475 sebulan akan meletakkan pesara berkenaan dalam kategori golongan berpendapatan di bawah paras kemiskinan. 
Pendapatan orang yang dikategorikan miskin di Semenanjung kini ditetapkan RM530 sebulan, Sarawak (RM585) dan Sabah (RM685). 

Sudahkah kita bersedia?

Kalau kita guna kalkulator yg ini, kalau saya ada 10K sekarang, dan saya mendisiplinkan diri simpan RM250 sebulan, selama 10 tahun (dengan harapan dan impian nak benti keje by the age of 40) dengan kadar dividen 5% (bley bayangkan la simpan kat mana ni kan), lepas tu tak kuar2kan duit tu selama 30 tahun, pada usia 60 tahun, saya cuma ada RM149,983.68.. 
mmg la tak masuk duit KWSP berbagai.. tp, TETAP tak sampai sejuta.. ha ha ha..


Mari kita berpindah kepada 
kalkulator yg ini pula..

Let say saya nak ada sejuta ketika usia saya 60 tahun, dan sementara saya keje dalam 10 tahun lagi (sbb masih berangan nak keje sampai umur 40 tahun saja), dengan kadar dividen 5%, saya harus membuat simpanan secara lumpsum sebanyak RM223,826.60 ATAU simpan bulan2 sebanyak RM2,374.03.. 4 figure tu ye kawan2.. jauh bebenar dari RM250 yg saya letak awal2 tadi.. 

Ok therefore i think kalau kita nak makan gaji semata2 memang takkan cukup especially for those bergaji RM2000-RM3000. Boleh nak tampung hidup. Tapi sekadar cukup makan sahaja. Leisure and luxury mungkin sekali sekala. 

What I'm trying to say here, korang nak tak "financial freedom" ? masuk kedai boleh beli ape2 without terpikir2 ur budget for this month, cukup ke makan minum itu ni.

This business is like a great platform for everyone esp me since the company offer so many things like carfund, holiday trips 3 times a year FOC (alhamdullilah saya dah qualify hong kong), bonus 5 figure isn't impossible!, etc. 

if anyone interested blh call saya ye Sha : 0122151541



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RM1 Juta tak cukup selepas bersara

Just Follow the Leader

Hi semuaaa...yeaayyy arini aku half day & esok cuti :) bulan ni mmg terasa bz luar biase sket la sbb pakej trip Hong Kong Disneyland akan berakhir lg 10 hari je lagi..so mmg struggle membantu bisnes partners untuk sama2 qualify ke Hong Kong...Alhamdulillah so far 3 org bizz partner confirm diterbangkan ke Hong Kong Disneyland yang lain2 tu suma dh sebelah kaki je lg..insyaAllah dgn Doa, Usaha, Istiqamah & Tawakal semua blh jadi kenyataan :)

Me during diamond nite amik anugerah DSM :)

Bila diingat blk bila aku start this bisnes mmg rasa tak caya, ye la dulu dgn tak yakin, takut-takut, tak reti ckp, xde kawan haihhh tu la antara alasan yang bermain di fikiran aku ni..tapi tanpa langkah permulaan pastinya aku takde di tmpt skrg ni..syukur sgt!! sbb bisnes ni tips nye mudah je JUST FOLLOW THE LEADER.... ape yg pemimpin kita ajar buat je bulat-bulat. Dah follow leader yang berjaya pasti kita pon berjaya jugak :)



Hanis dgn koleksi2 handbag & kasut :)
Harini my beloved leader masuk Berita Harian uuu.. hehe bangga gitu sbb bukti yg kumpulan kami mmg berjaya :)

WANNA KNOW MORE?

CALL ME 0122151541
I will guide you all the way, just follow my leads. :)



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Just Follow the Leader

Beralih arah :)

Malam diamond nite aritu, syarikat ade bg La Praise trial sets as a free gift. Pastu aku try la pki...mmg besttt sgt product ni..tak melekit & pipi tak rasa tegang..besst ar yang pastinya...terus beralih arah ke product ni sbb shu uemura pon taleh lawan ;)malahan bukan aku je kata best. tanya2 org lain pon kata best gak..kawan i merangkap my biz partner syida pki La Praise ni kesan plg ketara dia dpt ialah Jerawat makin kurang..

So, skrg dh start bli yg complete sets...hehe best2 ...Meh sini cite sket psl product ni..if korang berminat meh roger ai k...

Soothing Cleansing Gel - 50 ml 
Younger looking skin begins from your daily routine by using the cleanser formulated with plant stem cells and antioxidants. It helps to remove the impurities from your skin, leaving you with a fresh, smooth and radiant complextion each time after use.






Soothing Toner - 50 ml
A truly beneficial toner with added licorice, chamomilla and botanical extracts that helps your skin to find its own balance point for hydration and nourishment. It boosts the skin ability to stay hydrate at all times.
p/s toner dia sgt best..mmg rasa fresh je lepas disapu dimuka...








Sun Protector SPF 30 PA +++ - 15ml
SPF protection 30 PA +++ shields skin from harmful darkening effects of UV rays. The addition of rice germ oil and squalane (olive) keep your skin hydrated throughout the day.
p/s yg ni mmg A++++.. muka anda tidak akan melekit bestt..dan sgt sesuai utk org yang jenis kulit berminyak..maybe sbb tu la kulit tak naik jerawat..






Night Renewal - 15 ml
Nourish your skin at night with specially formulated gel from marine collagen, betaglucan and antioxidants to moisturize and help in fading the signs og aging. Consistent usage gives you youthful looking skin and radiant complexion
p/s aku mmg sgt pemalas nk pki cream mlm2..tp sejak pki night renewal ni mmg best. x melekit dan juga x berminyak..pastu feeling2 muda je ...haha bley??




Eye Lifting Gel - 15 ml
Special developed to target the fine lines, eye bags and dark circles around the eye area. Added ascorbic acid (vitamin C) rejuvenates, strengthens and moisturizes the skin surrounding the eye.
 p/s yg ni den tak try lg..tp kalo yg lain tu superb so pastinya yg ni pon superb :)









Selain dari guna la praise tu, aku pon guna Bio Ever ni gak. Sebab boleh memontokkan bahagian2 di badan yang tidak montok..haha...aku guna utk cheek bone..kt tmpt2 lain nak letak pon ok..cthnye kat *re*st..

Uniqueness of Bio~Ever™


Bio-Ever™ employs nano liposome technology by delivering the goodness of nano-sized ingredients directly to the blood stream via application on the skin.


Nano Liposome Technology
Active ingredients of Bio~Ever™ are filled in liposomes (tiny and hollow spheres of lipids) and carried to the places where the body needs them.

The smaller size of liposomes enable the active ingredients to be delivered with great accuracy into the body and release precisely as needed.



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Beralih arah :)

Test drive ;)

Idaman hati ku ;)




Dah pegi test drive kat premium selection..waa mmg sgt menakjubkan..haha ye arr selama ni bwk viva & latio je ni sport car so mmg like flying..



Feeling2 jap..




Alhamdulillah dgn bisnes ni dpt tabung kereta dan dpt 5 figures income..syukur sgt2..bak kata abg lan rezeki anak2 dah tersedia cuma tinggal usahakan shj..


InsyaAllah xde aral melintang before raya nak sambar keta ni..
Ameennn


- Posted using BlogPress from sha's iPhone



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Test drive ;)

KL-Ipoh-KL

Kalo x buat bisnes x merasa la nak travel camni..blk ari plak tu.. sonok sgt sbb aku ni mmg kaki jln..so arini blk ipoh umah MIL sempat lg share bisnes dgn ex-skolmate hubby..terus join..Alhamdulillah nak melebarkan empayar kt ipoh plak..insyaAllah :)




Muka selebet dah..otw back to kl..


- Posted using BlogPress from sha's iPhone



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KL-Ipoh-KL

Calling for IPOH's people

Hi olss...

Saya akan berada di Ipoh hari sabtu ni 12/03/2011..kepada sesiapa nak tau about this business dan gain side income up to 4k everymonth blh call/sms me yeahh Sha 012-2151541

Cepat jangan lambat coz rebat akan berakhir bln March ni...







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Calling for IPOH's people

Dah lama x shopping ;)

Sementara menunggu seseorg di OU, sempat la merayap jap & cuci2 mata..so terhasil laaaa













From Dorothy Perkin wit luv ;)

- Posted using BlogPress from sha's iPhone



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Dah lama x shopping ;)

Special Promotion for Pregnant Ladies & Brides-To-Be

(This is a sticky post, please scroll down for latest updates)

Dear Ladies,


I am having a special promotion for pregnant ladies and brides-to-be.


Premium Beautiful with discounted price & a special gift until 6 March 2011.


For those expecting babies, and inspire to have the beautiful body back after delivery, PB is so suitable to be used as 'bengkung'.



And those ladies expecting to look beautiful 'atas pelamin', PB will absolutely do the magic for you. ;)


 Please contact me, Sha 012-2151541 or e-mail to kebayalabuh@gmail.com.

CASH, Credit Card, RHB Easy Installment Plan & Monthly Installment Accepted.. 



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Special Promotion for Pregnant Ladies & Brides-To-Be

A night to remember :)

Malam yang mmg taleh dilupakan & yang mmg aku tunggu2..rasa sgt la terharu, berdebar, excited dan gembira tu tayah ckp la..hehe kiranya penat lelah selama lebih kurang 4 bulan buat bisnes ni berbayar. Mmg dah berbayar dengan bonus tiap2 bulan. Tapi feel amik award naik stage ni mmg luar biase auranye.

The new me ;)

Nak cite sket la, sepjg aku buat bisnes aku rasa mmg sgt2 bermotivasi, sgt2 positif dan hopefully sikap ni kekal smpi bila2..dengan bisnes ni juga aku belajar menjd seorg yg independent. Alhamdulillah mmg betol2 ubah attitude aku..mmg aku ade impian yg besar dlm bisnes ni sbb dgn bisnes ni Alhamdulillah ape yg dulunya aku impikan sikit2 dah jd kenyataan..

K.nida, Me, Hanis & Ain

ececeh..
amik award

besstt!!
My group with CDM Hanis
Doc Faridah

Me, Syida & Nida

Wif Fazi tgh beratur nak naik stage

tgh membebel hehe

buruk gile bunga colorful kat leher tu..huh

Group CDM Hanis..havoccc!!

Charlie's Angle..hehe

Red carpet :)


Last but not least Thank you so much to Hanis sbb buka minda sha & share peluang bisnes ni :)




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A night to remember :)

Wajah Baru...

Plan nak tukar template blog..dok google2, byk gak yang menarik..tp yg ni cam cantek...tgk mood la..kalo rasa tak ske..then esok tukar plak template lain..muahha ..sungguh takde kojeee..



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Wajah Baru...