LIRIK LAGU NEGERI PERAK

Dilanjutkan Allah Usianya Sultan
Adil dan Murah Memerintah Watan
Ditaati Rakyat Kiri dan Kanan
Iman Yang Soleh Allah Kurniakan
Allah Berkati Perak Ridzuan
Allah Selamatkan Negeri dan Sultan

LIRIK LAGU NEGERI PERLIS

Amin amin ya Rabaljalil
Doa hamba yang sangat zalil

Kekalkan daulat serta adil
Bagi perintah Jamalullail

LIRIK LAGU NEGERI PULAU PINANG

Selamat Tuhan kurniakan,

Selamat Pulau Pinang,

Negeriku yang mulia,

Kutaat dan setia,

Aman dan bahagia,

Majulah jayalah,

Negeriku yang ku cinta,

Bersatu dan bersama,

Untuk negeri kita.

LIRIK LAGU NEGERI KEDAH

Allah selamat Sultan Mahkota
Berpanjangan usia di atas Takhta,
Memelihara ugama Nabi kita,
Negeri Kedah serata-rata

LIRIK LAGU NEGERI KELANTAN

Lanjutkan Usia Al-Sultan Kami
Sultan Kelantan Raja Ikrami
Aman Sentosa Tuhan Sirami
Kekal Memerintah Kami
Kasih Dan Taat Setia Disembahkan
Keriangan Diucapkan
Segala Kebesaran Allah Cucurkan
Bertambah Kemuliaan

LIRIK LAGU NEGERI TERENGGANU

Allah daulatkan Tuanku Sultan
Terengganu Darul Iman
Allah peliharakan Tuanku Sultan
Sejahtera sepanjang zaman
Allah rahmatkan Tuanku Sultan
Memerintah rakyat aman

LIRIK LAGU NEGERI SELANGOR

Duli Yang Maha Mulia
Selamat di atas takhta

Allah lanjutkan usia Tuanku
Rakyat mohon restu

Bawah Duli Tuanku
Bahagia selama-lamanya

Aman dan sentosa
Duli Yang Maha Mulia

LIRIK LAGU NEGERI SEMBILAN

Berkatlah Yang di-Pertuan Besar di Negeri Sembilan
Kurniai Sihat Dan Makmur
Kasihi Rakyat Lanjutkan Umur
Akan Berkati Sekalian Yang Setia
Musuhnya Habis Binasa
Berkatlah Yang di-pertuan Besar Di Negeri Sembilan

LIRIK LAGU NEGERI PAHANG

Ya Allah Yang Maha Kuasa
Lanjutkan usia Duli Yang Maha Mulia
Dirgahayu Darul Makmur
Aman dan bahagia sentiasa
Ya Allah selamatkan Duli Tuanku Raja kami.

LIRIK LAGU NEGERI MELAKA

Melaka Negeri Bersejarah
Tempat Tumpah Darah Kita
Dijunjung Dengan Sepenuh Jiwa
Untuk Maju Dan Jaya
Rakyat Melaka Sudah Bersatu Padu
Berikrar Taat Setia
Jujur Berkhidmat Setiap Masa
Melaka Maju Jaya

LIRIK LAGU NEGERI JOHOR

Allah jadikan Sultan

'Nugerahkan dia
segala kehormatan
sihat dan ria
kekal dan makmur
luaskan kuasa
naungkan kami
rakyat dipimpini
berzaman lagi
dengan merdeka bersatu hati
Allah berkati Johor

Allah selamatkan Sultan.

LIRIK LAGU NEGERI SARAWAK

Sarawak Tanah Air Ku
Negeri Ku Tanah Air Ku Sarawak
Engkaulah Tanah Pusaka Ku
Tanah Tumpah Darah Ku
Ibu Pertiwi Ku

Rakyat Hidup Mesra Dan Bahagia
Damai Muhibbah Sentiasa
Bersatu Berusaha Berbakti
Untuk Sarawak Ku Cintai

Sarawak Dalam Malaysia
Aman Makmur Rahmat Tuhan Maha Esa
Kekallah Sarawak Bertuah
Teras Perjuangan Rakyat
Berjaya Berdaulat

LIRIK LAGU NEGERI SABAH

Sabah tanahair ku
Negeri kita yang tercinta

Pemuda pemudi
semua marilah
bangunlah bersatu semua

Marilah bersama serta maju jaya
Merdeka sepanjang masa

Bersatu segala bangsa sentosa

Sabah negeri merdeka

SETEM-SETEM TERMAHAL DI DUNIA

1. The Three-Skilling Yellow

 The Three-Skilling Yellow, adalah setem salah cetak terbitan kerajaan Sweden iaitu cetakan pertamanya tahun 1855. Dimana setem normalnya saja (yang seharusnya berwarna biru-hijau) juga termasuk setem awal. Three-Skilling Yellow adalah salah satu setem langka dan hanya satu-satunya yang tertinggal. Pada tahun 1984 setem ini terjual seharga 977.500 Switzerland Francs oleh David Feldman. kemudian pada tahun 1990 jualan mencapai angka satu juta dolar US tahun 1996 terjual seharga $ 2.3 juta. Dan setiap kali terjual ianya mencetak rekod angka tertinggi sebagai sebuah setem termahal di dunia.



2. The first two Mauritius

The first two Mauritius stamps (1847) adalah dua siri setem yang pertama kali diterbitkan kerajaan kolonial Inggeris. Hanya tinggal satu buah setem pertama dengan keadaan yg tidak digunakan begitu juga tiga buah setem kedua. Tahun 1993 David Feldman melelong setem Mauritius milik Hiroyuki Kanai yang menghasilkan rekod yang tertinggi. Setem pertama yang berwarna jingga terjual seharga $ 1,072,260 dan yang kedua seharga $ 1,148,850.



3. The Inverted Jenny

The inverted Jenny adalah setem Amerika pada tahun 1918 bergambar pesawat Curtiss JN-4 dan secara tidak sengaja dicetak terbalik. Ini mungkin adalah salah cetak paling terkenal di dunia Filateli Amerika. Hanya 100 setem salah cetak yang tertinggal, membuatnya menjadi salah satu setem salah cetak paling berharga. Satu blok penuh setem Inverted Jenny terjual pada lelongan Robert A. Siegel pada bulan Oktober 2005 dengan harga US $2.7 juta. Dan bulan November 2007 sebuah setem inverted Jenny terjual seharga US $977,500. Pada Disember 2007 sebuah setem mint (belum terpakai) dengan keadaan baik sekali dijual kepada seorang eksekutif Wall Street seharga US $825,000.



4. British Guiana One Cent Black on Magenta

British Guiana One Cent Black on Magenta (1856) adalah termasuk setem terawal dan termahal. Setem ini dicetak di atas kertas tinggi rendah berwarna magenta dengan tinta hitam dalam keadaan kecemasan. Diketahui hanya ada satu buah yang tertinggal di seluruh dunia, jadi setem ini unik dan tidak ada yang lain lagi yang pernah ditemui. Tahun 1980 telah dilelong kepada John Dupont seharga US $935,000.



5. U.S. Franklin Z-Grill

Setem U.S. Franklin Z-Grill yg dihasilkan pada 1867 adalah setem terawal dari semua setem Amerika Syarikat, hanya ditemui 2 buah yang masih tinggal. Pada tahun 1988 sebuah setem "Z-Grill" 1 cent tahun 1868 terjual seharga US $930,000.



6. Hawaiian Missionaries

Hawaiian Missionaries, 1851 adalah setem pertama dari Hawaii kerana ianya dicetak secara kasar dengan kertas yang tipis dan berkualiti rendah, hanya beberapa setem sahaja yang berjaya diselamatkan dan merupakan setem antara yang terawal. Nominal terendah iaitu 2 cent tahun 1851 adalah yang paling awal dari keseluruhan siri, dan hanya tinggal 16 buah sahaja. Sebuah setem Missionary 2 cent dengan keadaan mint (belum terpakai) seharga US $760,000 dan keadaan used seharga US $225,000.


7. The Penny Black

The Penny Black, adalah setem rasmi pertama di dunia, diterbitkan Kerajaan Inggeris tarikh 1 Mei 1840 dan mula digunakan tarikh 6 Mei. The Penny Black sebenarnya bukanlah setem yang paling awal tetapi termasuk setem termahal. Jumlah cetakan 286,700 lembaran cetaknya dengan 68,808,000 juta buah setem. Sebuah setem Penny Black yang belum dipakai menurut katalog Scott tahun 2001 seharga US $3,000 dan sudah terpakai dengan harga US $180.

SYAIR JENAKA

Syair Jenaka

Dengar adik syair jenaka,
Sekadar untuk bersuka-suka,
Buat menghibur hati yang luka,
Serta mengubat masam di muka.

Puyuh berlari di celah rumput,
Nenek mengejar nafasnya semput,
Puyuh tak dapat nenek menghamput,
Songelnya jatuh tinggal sejemput.

Beruk datuk memanjat kelapa,
Duduk berehat bagai terlupa,
Datuk di bawah terkapa-kapa,
Tali direntap putus sedepa.

Ayam Pak Kaduk lawan menyabung,
Ditaji lawan sampai melambung,
Dibawa pulang perutnya kembung,
Dimasak gulai bercampur rebung.

Tengah hari menahan pukat,
Sampai ke petang ikan tak lekat,
Angkara memerang hendak disekat,
Pak Kaduk malu terlondeh pelikat.

Seronok sungguh kerbau berkubang,
Lembu melihat hidungnya kembang,
Kambing nak dekat berasa bimbang,
Biawak ketawa lidah bercabang.

Angin menderu nyamannya petang,
Beruk tertidur di atas batang,
Mulut terbuka matanya buntang,
Tupai tergelak berguling gantang.

Itik berlenggang pulang petang,
Ayam bertelur suaranya lantang,
Kucing malas tidur terlentang,
Dipijak tuan naiklah bintang.

Ayam berkokok tekak tersumbat,
Habis sekampung bangun terlambat,
Kebulur sudah kerbau tertambat,
Bulu sendiri habis disebat.

Singa mengaum giginya patah,
Tak boleh makan daging yang mentah,
Minta daun gajah meratah,
Termakan jelatang termuntah-muntah.

Kerengga ramping jangan diiri,
Dahulu gemuk seperti bebiri,
Menahan gelak tidak terperi,
Melihat babi terlanggar lori.

Karangan ini ilham sasterawan,
Buat menghibur hati yang rawan,
Bukan menghina kawan dan lawan,
Kalau tersinggung maaflah kawan.

PANTUN JENAKA

Pantun Jenaka

Lebuhraya kota bersegi
Tempat temasya dara teruna
Hodohnya ketawa orang tak bergigi
Ibarat kota tiada kubunya


Api terang banyak kelkatu
Masuk ke kamar bersesak-sesak
Alangkah geli rasa hatiku
Melihat nenek bergincu berbedak


Ditiup angin bunga semalu
Kuncup daun bila berlaga
Bercakap Melayu kononnya malu
Belacan setongkol dibedal juga


Orang Rengat menanam betik
Betik disiram air berlinang
Hilang semangat penghulu itik
Melihat ayam lumba berenang


Tanam jerangau di bukit tinggi
Mati dipijak anak badak
Melihat sang bangau sakit gigi
Gelak terbahak penghulu katak


Singapura dilanggar todak
Kapal karam di Tanjung Peringin
Orang tua beristerikan budak
Macam beruk mendapat cermin


Bapa gergasi menebar jala
Pegang tali melintuk-liuk
Masakan pengerusi tak garu kepala
Melihat ahli semua mengantuk


Gemuruh tabuh bukan kepalang
Diasah lembing berkilat-kilat
Gementar tubuh harimau belang
Nampak kambing pandai bersilat


Buah salak di rumah Tok Imam
Sirih sekapur pergi menjala
Anjing menyalak harimau demam
Kucing di dapur pening kepala


Anak cina menggali cacing
Mari diisi dalam tempurung
Penjual sendiri tak kenal dacing
Alamat dagangan habis diborong


Biduk buluh bermuat tulang
Anak Siam pulang berbaris
Duduk mengeluh panglima helang
Melihat ayam bercengkang keris


Buah jering dari Jawa
Naik sigai ke atas atap
Ikan kering lagi ketawa
Dengar tupai baca kitab


Pohon manggis di tepi rawa
Tempat datuk tidur beradu
Sedang menangis nenek tertawa
Melihat datuk bermain gundu


Ceduk air di dalam perigi
Timbanya bertangkaikan suasa
Jikalau kucing tak bergigi
Alamat tikus berjoget berdansa


Anak dara Datuk Tinggi
Buat gulai ikan tilan
Datuk tua tak ada gigi
Bila makan kunyah telan

Berderak-derak sangkutan dacing
Bagaikan putus diimpit lumpang
Bergerak-gerak kumis kucing
Melihat tikus bawa senapang


Pokok pinang patanya condong
Dipukul ribut berhari-hari
Kucing berenang tikus berdayung
Ikan di laut berdiam diri


Tanam pinang di atas kubur
Tanam bayam jauh ke tepi
Walaupun musang sedang tidur
Mengira ayam di dalam mimpi


Anak bakau di rumpun salak
Patah taruknya ditimpa genta
Riuh kerbau tergelak-gelak
Melihat beruk berkaca mata


Orang menganyam sambil duduk
Kalau sudah bawa ke balai
Melihat ayam memakai tanduk
Datang musang meminta damai


Hilir lorong mudik lorong
Bertongkat batang temberau
Bukan saya berkata bohong
Katak memikul paha kerbau


Di kedai Yahya berjual surat
Di kedai kami berjual sisir
Sang buaya melompat ke darat
Melihat kambing terjun ke air


Jikalau lengang dalam negeri
Marilah kita pergi ke kota
Hairan tercengang kucing berdiri
Melihat tikus naik kereta


Senangis letak di timbangan
Pemulut kumbang pagi-pagi
Menangis katak di kubangan
Melihat belut terbang tinggi


Anak Hindu beli petola
Beli pangkur dua-dua
Mendengar kucing berbiola
Duduk termenung tikus tua


Punggur berdaun di atas kota
Jarak sejengkal dua jari
Musang rabun, helang pun buta
Baru ayam suka hati


Ketika perang dinegeri Jerman
Ramai askarnya mati mengamuk
Rangup gunung dikunyah kuman
Lautan kering dihirup nyamuk


Jual betik dengan kandil
Kandil buatan orang Inggeris
Melihat buaya menyandang bedil
Lembu dan kerbau tegak berbaris


Jemur bijan dengan kulitnya
Jemur di atas pohon lembayung
Hari hujan sangat lebatnya
Lamun Si Pandir mengepit payung


Elok rupa pohon belimbing
Tumbuh dekat limau lungga
Elok berbini orang sumbing
Walau marah ketawa juga


Rumah besar berdinding tidak
Beratapkan daun palas
Badan besar beristeri tidak
Itu tandanya orang pemalas


Adik nama Comat
Suka beri salam
Budak ketawa kuat
Suka kecing malam


Dari Ambun hendak ke Perak
Singgah di Jeram Mengkuang
Si Awang Kenit mencuri kerak
Hidung berbelang terpalit arang


Biduk lalu kiambang bertaut
Nakhoda Kasap duduk termenung
Gila latah ikan di laut
Melihat umpan di kaki gunung


Pakai seluar labuh ke bawah
Ikut permatang jalan melenggang
Nampak zahir memang mewah
Tapi hutang keliling pinggang


Orang Sibu menunggang kuda
Kuda ditunggang patah pinggang
Masih mahu mengaku muda
Padahal cucu keliling pinggang


Tahankan jerat gunakan tali
Pacak kuat biar melekap
Kalau bini suka membeli
Hutang berbaris suami ke lokap


Tuan puteri memasang panjut
Dayang tolong menghalau lalat
Kucing tidur bangkit terkejut
Melihat tikus pandai bersilat

CREDIT CARD FRAUD !!

Protect yourself against fraud

While credit card fraud is a problem, here are a few simple steps you can take to greatly reduce the risk of becoming a victim.

Tips:

• Sign new cards immediately. When you receive your new or replacement card in the mail, sign it, in ink, right away. If it is a replacement card, destroy the old card by cutting it into many small pieces.
  
  
• Shred old credit card receipts. You can purchase an inexpensive paper shredder at an office supply store. All old receipts with your credit card number and any unneeded documents with your social insurance number or other sensitive personal information should be shredded before disposal. This prevents the common practice of criminals going through the trash to find receipts and stealing your identity. If you don't have a personal shredder, choose a trusted document shredder service to destroy credit card receipts.
  
  
• Never fax your credit card number. Your credit card number can lie for hours in the fax basket at the other end. Anyone passing by can record your number and begin to use your card number fraudulently. It is even possible for criminals to intercept your credit card number while the fax is in transmission.
  
  
• Use caution when giving your credit card number out on the phone or on the Internet. Only give out your credit card number on telephone calls you initiate to business or organizations you trust. Never give your number out to callers who call unannounced, no matter how legitimate the call sounds.
  
  
• On the Internet, look for an Internet address that begins https:\\. The “s” indicates that it is a secure connection and a small padlock symbol should appear in the bottom right hand corner of your screen, indicating it is safe to transmit your credit card number.
  
  
• Call your credit card company instantly if you suspect trouble. All credit card companies have 24 hour lost and stolen help lines. If you lose your wallet or purse or have it stolen, call without delay! Much fraud happens within the first hour or two, before the victim realizes the cards are missing. Your credit card company will block your cards from being used and stop you from being responsible for any charges thieves incur.
  
  
• Take advantage of any security features your card offers. Many newer cards have the option of including your photograph on the card. This is excellent protection and is highly recommended.

SAVE MONEY ON UTILITIES

Many don't realize that our basic utility bills provide the perfect money saving opportunity for practically every household!

• Especially with today's energy crisis so prevalent throughout many of the states, you've probably heard this term - conservation.
• Guess what, conservation really means "using less". Using less energy, means you are spending less money. Inevitably, conservation goes hand in hand with saving money.
• We sometimes lose sight of the fact that the water, gas and electricity we use in our homes, always comes back to us in the form of a lovely bill. Use the tips below and you may be surprised to find yourself saving $1000 or more every year.

Electric:

• Fans can really cool a house in warmer months if set up properly. Ideally, you want to set up fans to draw in cool air (shady side of house) and circulate into the warmer areas.
• Get in the habit of turning off ALL lights and appliances that are not being used. You'll be surprised at how quickly the energy savings will add up.
• TURN THE TV OFF! Did you know that leaving the television on is the number one electricity waster in the world? When everyone is finished watching television, especially before going to sleep, turn it off.
• Replace all "non-reading" lights with lower wattage light bulbs or possibly the new "energy plus" bulbs for even more savings over time.
• Get in the habit of hanging your clothes to dry, possibly on a clothesline in a bathroom.
• Insulate! Insulate! Insulate! Our number one money saving tip! Check the weather stripping around doors and windows. Caulk or foam insulate any place where outside air has a chance to get in. Don't forget to insulate your attic floor with either "roll" or "loose-fill" insulation.
• Long Term - Install ceiling fans throughout the house. You can then start decrease A/C usage and during winter months, the fans will help circulate warm air throughout the house.
• Long Term - Plant tall shrubs and brushes. Not only will this beautify your property, but also shade your home causing less need for the A/C in summer months and help block out harsh winds in colder months.

Water:

• Check to make sure none of the faucets & spigots in your household are leaking/dripping. A slow dripping faucet can accumulate over two gallons per hour.
• When watering the garden, set a schedule and try to water in the early morning hours to help minimize evaporation (between 6am-8am)
• Avoid taking baths and long showers.
• Leave the faucet OFF when you are brushing your teeth or shaving. Only turn it on when needed.
• If you must wash your car at home, only turn on the hose when you're rinsing.

Gas:

• During winter months, light a fire for warmth instead of using the central heating unit. Wood is still cheaper than gas.
• Check and make sure fireplace is working properly.
• Wear seasonal appropriate clothing around the house. Get used to wearing sweaters and pants during winter months. You'll find that you won't need to turn the heat up as high.
• Lower the temperature on your gas water heater. You really don't need water heated up to 180 degrees. Lower it a bit and save.
• Turn off stove and oven a few minutes before time is up. Residual heat will finish the job perfectly.

Phone:

• Compare the prices of various long distance providers and ask the representative which plan provides you the greatest savings based on your calling history. With all the long distance companies on the market, don't be afraid to change to one that's more appropriate for you.
• Get used to email and the Internet! It costs little to nothing to use, and now with instant chatting services like Yahoo Messenger, here's the perfect money saving opportunity.
• Find a good reason to have people call you. You can even come up with a good excuse for them to "call you back".

DISCIPLINED WITH THE SAVINGS

How to Stay Disciplined with Your Savings

• Just do it!  Pay yourself first! 
• Gather all important financially-related documents and receipts to a central location.  File them so you will be able to easily find the items you need in the future.  Consider a computer based financial program so you can keep track of every dime you spend – financial control is a special form of power! 
• Spending every dime and more?  Start by cutting back on a few items per week and putting away that money.  Pay yourself first.  Just say no to spending more than you have. 
• Ask for direct deposit at work if they offer it – you’re saving money, and you don’t even see it.  A savings plan at work that pays you a “matching contribution” is the fastest way to save.  Pay yourself first! 
• Do not use credit cards.  Force yourself to pay cash so that you can track the dimes.  You will never have a late payment (now as much as $75) and you will never pay interest to others at the very high rates credit cards charge. 
• Financial freedom will be worth everything you put into it.  Don’t want to work forever – choosetosave®!

Top Saving Mistakes

• Not modifying your spending habits and committing to save money. 
• Not taking advantage of your company’s match in a 401 (k) plan, or getting involved in a defined contribution plan. 
• Not appropriately/correctly allocating your assets to meet a specific goal or time horizon (diversification is important). 
• Not setting a specific dollar target or financial goal. 
• Not knowing how much you have, where you are spending your money, and how much you need to save for the future (failure to plan for retirement). 
• Cashing out your retirement plan – should roll over to an IRA or your new company’s retirement plan.

COUPLES

Financial Tips for Couples

Believe it or not, many couples find it very difficult to talk openly about their finances.  Money problems can literally cause a lot of heartache between people, so here are some ways couples can come together to get their financial house in order:

• Get organized: Gather all important financially-related documents to a central location that is equally accessible to both partners. 
• Track your spending and pay yourself first: Write down where you are spending your money.  Re-route some of your spending to a savings account: pay yourself first for a secure financial future. 
• Plan to save: Start a savings account to cover expenses like clothes, Christmas/holidays, and insurance.  Plan for future expenses throughout the year.  
• Build an emergency fund: You never know when you will need additional cash so try to have two to three months of living expenses in a readily accessible savings account or money market account. 
• Don’t Go Into Debt, and if you are, Get out of debt: Avoid Credit CARDS.  If you must use them, control your credit card spending and try to pay off any debts you have (e.g., car, credit card, student loan, etc.).  Pay more than the minimum monthly payment.  Once you have paid off your debts/credit cards, take the money and put it towards savings or some other debt.  If possible, the goal is to simultaneously pay off your debt while still putting some amount into savings.  Remember, you are loaned money so that you will pay interest and late charges and make other people money. 
• Set goals: Decide what you want to do with your money.  Do you want to pay off debts/student loans? Buy a house? Save for a new car or additional education?  Write down your goals and your strategy for achieving these goals.  Write a budget. 
• Review your insurance coverage: Every year, review your health, life, disability, renter/homeowners, auto, and personal liability policies to make sure you are both adequately covered. To learn more about insurance go to the National Association of Insurance commissioners Insure U web page. 
• How much should you save and/or invest? Save at least 15% of every dime you earn beginning with your first job.  The older you are the higher the percentage has to go unless you think you can work forever!

WEALTH MANAGEMENT

So you want a shot at being in management?  Maybe you think that you can do a better job than your boss.  You see them for their faults, and see yourself for your strengths.  Well, I can’t tell you how to get promoted, but maybe I can help you with your humility and show you ways to save money and manage your wealth.

Many people struggle with wealth management.  They just can’t seem to figure out how to save and grow their money.  Why is so much easier to spend money than save it?  Most people are lazy.  They take the easiest path that life offers them.  So, why don’t they just put their money in savings and leave it there?  It actually takes effort to spend money.  Still, lazy people spend it until it’s all gone.      

Wealth management takes good managing skills.  A good manager knows how to keep tabs on the people they’re in charge of.  You are in charge of your money.  Sure, you make agreements that decide how some of your money is going to get spent.  You get a mortgage, you sign a lease, or you get a car loan.  All of these things will take your money away, but you decided to get them.  You are still the manager of your money.  Just because you signed a sheet of paper doesn’t mean you’re somebody else’s slave.  You are always the manager of your money.

Step one to good wealth management is realizing that you are in charge of your money.  The next step is making good choices.  You lose money every time you spend it.  That sounds pretty simple, but so many people seem to not realize it.  When you buy something, your money is gone.  Depending on what you bought, you may never see that money again.  If you bought something that is immediately not worth anything after you buy, then you have probably wasted your money.  To be a good wealth manager, you need to figure out how to spend your money right.

There are some things that you can buy that will actually help your money grow.  Some things are wise investments.  Going out to eat everyday is not a wise investment.  That is a waste of money. So, put yourself in charge of your money.  Up until now you have always made the decisions for how to spend your money.  If you don’t pay attention to what you are doing with your money then you will probably waste your money.

Think of someone you admire.  Why do you admire them?  They probably did something great.  They probably took charge of some situation.  People should admire how you spend your money.  You should take charge of your financial situation.  Wealth management should be your priority.

Maybe you won’t be the manager of your company anytime soon.  Until then, you can learn how to manage the money you have.  Then, when you accumulate more money, you will already know how to manage it.  One day you are going to retire.  At that time you will hope that you have been good at wealth management.

BECOME A SUPER CONSUMER

Most kids have some idea of what they want to be when the grow-up. Unfortunately, landing a position as a pirate or princess isn’t always easy. On the other hand, one thing that we all get to be when we grow up—whether we like it or not—is a consumer. While being a consumer isn’t as glamorous as being a Superhero, it is important and does require a lot of training. Learning to be a good consumer is important as it offers a basis for financial success. Fortunately, there are four very basic tips for wise money management:

1.       Live beneath your means. Learn the difference between needs and wants; experts agree that one key to happiness to be happy with what you already have.

2.       Expect the unexpected. No one plans to lose a job or suffer from illness. Being prepared for life’s setbacks will give you peace of mind and help you to survive financially if the worst should happen.

3.       Plan for tomorrow. Make it a habit to pay yourself first. The earlier you start the better—as they say, the eighth wonder of the world is compound interest.

4.       Keep credit under control. The average household owes more than RM8,000 in credit card debt. Smart consumers use credit as a tool of convenience, rather than an extension of their income.

Finally, know when to seek help.  After all, even the Batman couldn’t do his job without his trusty sidekick.

FINANCIAL : PEACE OF MIND

Financial can be a peace of mind..If, you know the way..

and the way can be a peace of cake!!

It's up to you..

NO.1 

Ditch your credit card if it has an annual fee attached, but first, make sure you are      eligible for new credit. Issuers have tightened their lending standards, and you don’t want to be left without access to any credit.

NO.2
Don’t use an ATM if it charges you a fee.

NO.3

Bank where free checking is offered.

NO.4

Put your money where it earns the most by finding the best rates available for savings and CDs. You can compare rates at CreditCards.com and Bankrate.com.

NO.5

Buy generic groceries which are estimated to be 27 percent cheaper than their name-brand counterparts, and are often made by the same company.

NO.6

Get back to the basics and start cutting coupons.

NO.7

Utilize any savings plans at work. If your company offers a Flexible Spending Account (FSA), but you’ve never bothered to investigate it, now’s the time. Taking advantage of the savings allowed by earmarking expenses to be paid through an FSA can result in real savings.

NO.8

Consider cutting back on contributions to your retirement plan at work. When you’re trying to find extra money, this is a much better option than dipping into your actual retirement account. Just remember to play catch-up when your finances turn the corner.

NO.9

Make sure you’ve taken advantage of every tax credit and/or deduction available to you.