Imagine this...if you were a guy and you saw a interesting woman.You went up to her and started a conversation. Before you know it, time flies and its the time to bid each other goodbye. Then u have this kind of feeling like you would like to know her better. you want to ask her for her number but u are too scared as u may think that she will turn u down and you will lose face. You were contemplating if you should ask her for her number. You think and think. you know that u do not have much time n the end you end up with nothing..Well, why think so hard? Let me share a formula that you can play with her so that in the end you will still get the number
1st rule that this only applies to mobile numbers with 7 digits which means the front 3 prefix, you need ask her. But u still can do that after u got the 7 digits. You will just need a calculator for this and just follow the following steps. Steps
1) ask her to key-in the first 3 digits of her mobile number into the calculator (e.g. 016-2150340 key in 215) 2) multiply by 80 3) add 1 4) multiply by 250 5) plus last four digits of phone number 6) plus last four digits of phone number again 7) minus 250 8) divide by 2 at last
Ask her..."Is it your mobile number????" There u have it. u got her number and you still managed to save your ego just in case she turned you down if you asked directly. Useful tips rite? who came up with the formula must be a smart guy...or could be a girl..
In view of the rise in all products in the country lately, here i would like to share with all of you how you all can save your cash.We are humans and its a fact that we eat everyday. And when we eat, it will definitely cost us. If we know how to manage our eating patterns, you will be able to see the extra cash at the end of the month. Tips are as below.. 1.Cook at Home Cut that habit of eating out regularly. We know that the raw material price are increasing and when this happens, the sellers will be forced to increase their price as well to maintain profit to their business. Change your lifestyle by cooking your food at home so you don't have to spend the extra cash to buy food and drinks sold outside. You can easily save 20% to 30% of cash when you practice this method. It works more better if you are from a large family because when a larger family eats out, the price can easily reach RM200-Rm300 per meal when you can fill your tummies for less than that if the food was made from home. 2.Lunch Instead of Dinner OK~ now we know that eating home cooked food from home is a good way to save money but as we all are humans, we need to have something different sometimes. So when the urge to taste something outside comes, its not necessary that we need to spend extra money. We still can get to taste good food at an affordable price if you know the right place to look. Choose lunch over dinner. Why this is so u may ask? This is because many restaurants will have cheaper lunch sets on discounted prices instead of dinner. This move is to draw the mass crowd where discounts can be up to be 50%.WoW! thats half the price.Dinner sets are usually priced more higher for their ala carte meals but u still can find some good promotions at certain restaurants. 3.Pack from Home This point is a killer. if you follow this method, its confirmed you will save more than ever. Pack your meals at home and bring it to work. If there are leftovers from yesterdays dinner, put it in the fridge. Bring it to work the next morning and heat it up again for lunch. Or you can pick up cheap economy sets to bring to work. This will really save your pockets especially if you are working in an uptown neighborhood where prices of foods are high. Avoid buying water bottles and start to bring your own water from home. Buying Rm1 priced water bottle at convenience stores will eat into your pocket slowly. 4.Pick Your Places Have any idea what it means? Pick your place means you as a customer have the right to choose and compare which place to dine. To be a smart and saving consumer, avoid places which imposes service charge. 10% service charge is a lot if your bill is high. You can get an extra serving if you minus out the amount.
Came across this very interesting piece of video which explains about Financial Independence. i think we should all work towards this as no one wants to be working and tied up all their life right?
Financial Independence
What is 'financial independence'?
Financial independence is really the pot at the end of the rainbow. It's the mother load of personal finance. I sometimes am afraid to say "financial independence" because people, if they've watched any late night TV and heard "Get rich quick - no money down real estate - become financially independent", are turned off from financial independence. I define financial independence as being able to afford the lifestyle that you desire, without having to work. There are two pieces to that definition that are really important. One: the lifestyle that you desire - whatever that lifestyle may be - it might be right where you are today, or you might have some dreams and goals about where you want it to be. It's coming up with what kind of life you want. The second part of financial independence - and this is the cool part - is being able to afford that without having to work.
Why is financial independence important?
Financial independence, in a word, gives you freedom. It gives you flexibility, being able to afford the lifestyle that you desire without having to work. That's a beautiful thing. Financial independence just gives you choices. It gives you the ability to do whatever you want and not have to worry, "Am I going to be downsized? Am I going to lose my job? Am I going to be able to afford my next mortgage payment?" Financial independence just gives you the freedom and the security that people really, really need.
What is 'earned income'?
Earned income is the sound of your alarm clock going off in the morning. Earned income is when you wake up at five in the morning, it's still dark out, and you go into the shower and you're half asleep. Earned income is basically the income that someone earns by going to work every day. You're trading your time for money. Whether you have your own company, you have your own business, or you work for the man, it's earned income either way.
What is 'passive income'?
Passive income is money that you earn that doesn't require your day to day activity. To earn passive income you don't need an alarm clock. Basically, you earn the money but you don't have to be that involved in the active work. A few examples are if you have rental real estate, so you get a check every month from the renter you don't really have to do that much, or if you have investments and they're earning interest or paying dividends, you don't have to do anything for that. It just come to you passively so that's why it's passive income.
What role does passive income play in financial independence?
Financial independence is all about passive income. The definition of financial independence is being able to afford the lifestyle you desire without having to work. The without having to work part: that is where passive income comes into play.
How does financial independence differ from being 'rich'?
There's a huge difference. There's financial independence and then there's being rich. Let's take a look at two couples. Let's say one couple earns $600,000 a year and the other couple earns $100,000 a year. Which couple would you rather be? Which couple is financially independent? The obvious answer would be, of course, the couple who makes $600,000 a year. That's got to be financial independence. Actually, that only looks at one piece of the equation. Financial independence looks at how much money you are earning, but also, more importantly, how much you are spending. The couple who earns $600,000 but they're spending $700,000 a year do not have financial independence. They are going into debt. The couple who earns $100,000 a year, if they are spending $90,000, well, guess what, that's financial independence.
How does financial independence differ from retirement?
Retirement is inevitable. Retirement comes when you basically aren't able to work or just don't want to work anymore. Usually, retirement happens at about age 60, 65, maybe 70; it's basically when you just stop working. Retirement differs from financial independence because with financial independence, you can be 35 and be financially independent, you can 45 and be financially independent. Just because you retire, doesn't mean that you can afford the lifestyle you desire without having to work, but financial independence does.
What is my 'financial independence factor'?
Your financial independence factor really focuses on financial independence. It's looking at: "How many days each month can my passive income pay my bills?" There's a really fairly simple formula - it looks kind of complicated, but it's actually pretty simple - that will tell you how many days each month your passive income can support your lifestyle. Basically, you start off by putting down your passive income - sources like rental income, Social Security, maybe you have a pension, royalties (if you wrote a song and get money every month). That's included in passive income. The next piece of income to look at are your investments. Total all of your investments - your CDs, your IRAs, your 401(k)s, your taxable accounts. Whatever they are, wherever they are, add them up, put that here, and multiply it by .33%. Why .33%? It seems kind of arbitrary. What that means is over the course of a year, it's about a 4% return, a 4% withdrawal rate. If you have a million bucks and you earn 4% per year, you can conservatively take out about $40,000 a year without dipping into the principal. You would put that here. You would then total what is the total monthly income that you get from passive income and from your investments. You then look at your monthly expenses. Add them all up; put it here. You divide your income by your expenses, and you multiply it by 31. And the result is the number of days per month your income will pay your expenses.
How can I increase my financial independence factor?
There are two ways to increase your financial independence factor. One is to increase your income so there are a couple of things you can do there. You can increase your true passive income, which would be rental income, social security, things like that. You can increase your investments, because the larger your investment account is, the more income that it'll produce every single month. The second one is you can reduce your expenses. So by doing either of those things, you can increase your financial independence factor.
What does financial independence not guarantee?
Financial independence doesn't guarantee that you are going to be happy, unfortunately. I don't think anyone has actually ever been able to come up with a formula for what makes people happy, but we know for sure that just having money alone isn't enough to do it. But, having said that, I'd rather be rich and unhappy than poor and unhappy.
With the recent price increase on rice and petrol, i believe that everyone will feel the pinch especially the middle to lower income group. Both of the above categories are essential for everyone as we need to eat and we need petrol as means of traveling either for work or leisure. I had heard that many people will complain on the government not capable by allowing all these price increase.
Its true that the government should help the public by lessening the public burden but they can't be blamed for all these increase because its a global issue which other nations are also facing. Hence, instead of blaming and finding faults, its better that we seek solutions to counter all these problems.
So stated below are some tips to save some cash on your shopping bill. Tip 1.Grow your own food. Before i say more on this, we do not necessary need to have a farm to grow your food. The meaning of growing your own food is things such as spices and other small foods such as spices.
Tip 2.Get better value per unit This means that we go for larger quantity as the more bigger the quantity, the cheaper the price. An example can be viewed when see the price difference of 1.5 liter juice price as compared to 250mlX6 juice. Overall the price of the 1.5 liter bottle will be cheaper compared to 250mlX6 bottles.
Tip 3.Buy generic or house brands House brand items.Have you heard of all these? Don't have a idea what it is? House brand means local brand from the hypermarket themselves. Some of the examples are brands such as tesco value, tesco choice, giant, carefour and many more. The reason why these brands are more cheaper compared to other leading brands are not because they lack of quality but because of the cost of advertising which had been saved being rewarded back to consumers. Other leading brands spend a lot of cost on advertising their products which explains the higher price to cover up their cost. House brands on the other hand do not require advertising which brings a lower selling price.
Tip 4.Look at the big total Always look at the bigger picture. Be careful of promotion such as "Buy 1 get 1 free" as this promotion sometimes will have a higher price for the item u purchase but the free gift is very less in value. This trick had been used by almost all retailers to entice customers who doesn't look at the big total.
Tip 5.time your purchases Buy only during SALE period. When i say time your purchase, i really mean buy only during promotions are on. I believe that if you really time your purchase and buy at the right time, you will really see the effect in your pocket. During a sale, prices can be slashed from as low as 10% till 80%
Tip 6.plan your shopping According to a local study in the US, almost 12% of the total groceries bought were never consumed and were contributed to wastage. By this fact, we can sum up that we over purchase when we are shopping. Why should we spend excessively on things that we never use? its like throwing ur cash away just like that.So before you buy the thing, think again will it be used or go straight into the trash can.
Tip 7.alternative be flexible This tip imposes that we not be too choosy on the things that we eat and buy. Rather than buying the same old brand which has a higher price tag, we may consider buying another item which is cheaper. For instance, instead of buying a bottle of dettol hand wash which causes RM8.00, we can consider buying other brands which are lower in terms of price. The main idea here is to be opened and not just stick on one particular thing.
Tip 8.Be Organised This mean that you need to make a list of the things that you wish to buy before making your way to the shopping mall. You should also take note of the prices of items that you normally buy. Why you ask? of course to keep track of the prices and make sure that what ur buying are really reasonable. As u know now not all items are on promo every week. Compare with other brands quality, price and the amount that ur willing to spend.
Tip 9.Save more from the cards in ur wallet I like this tip. Ok, we all now use many kind of loyalty cards and credit cards to pay for our shopping right? So make use of both cards to the max to make ur purchase and redeem for cash vouchers and rebates that are being offered by your credit card company for being loyal to them. Some till the extent also offers attractive prizes when you use more than a certain amount.
Tip 10.Buy overruns or used items Did you know that now you can still find some items that are in good conditions in 2nd hand shops? If you still have the mind conception that 2nd hand shops only sell cheap, dull and worn out stuff, please think again. Now even the wealthy and higher class individuals will go there and look for good conditions items. it may be hard to find but the price there sure will save ur wallet from getting burnt.
One day i was happily coming back from work, went to my room and turn on the PC. I was about to do the normal stuff i do online when suddenly i heard a faint voice calling me from downstairs. The voice was my mum calling my name over and over again. So fine, I went down to see what did she want. When i was there, guess what? The electric bill was in her hand and she started to preach about my usage. I didn't recall using so much of electricity since most of the time i will be at work or out with my friends for "yam cha", shopping, movies, gym and many more. Other times i will be asleep. Its true sometimes when i was asleep, i will leave the PC on for downloading stuffs but then again, it was never that much. Basically i only use my house electric to online, air conditioner and charge my mobile.Then i was like "ok, thats it, i'm gonna find out what was actually causing so much". After the lecture, i went to my PC and quickly find the tips on how to conserve electricity. How to Conserve Electricity
1. Turn off electrical appliance when not in use. 2. Use energy saving light bulbs which consumes less energy and last longer. 3. Use natural light when possible. 4. Close all curtains and binds to avoid direct sunlight which will bring up the temperature. 5. Clean air conditioner frequently coz dirty filters will result in the air conditioner working harder which consumes more power. 6. Set the temperature between 22 to 26 degrees for optimum usage. 7. Clean fan blades to ensure it works efficiently. 8. Stock your refrigerator appropriately coz over overload refrigerator use up more energy. 9. Let food cool before putting in the refrigerator. 10. Place refrigerator at least 4 inches away from the wall to avoid overworking the motor. 11. Open refrigerator when necessary. 12. Boil only required amount of water. 13. Wash with your washing machine only when you have a full load but avoid overloading. 14. Select a model that suits the family needs. 15. Before making an electrical appliance, get the retailers to explain on the energy consuption of the appliance. 16. Whenever possible, use more energy efficient appliances. By the way, the current tariff for a domestic household usage according to TNB are as below.
First 200 kWh (1 - 200 kWh) per month sen/kWh 21.80 Next 800 kWh (201 - 1,000 kWh) per month sen/kWh 28.90 Over 1,000 kWh (1,001 kWh onwards) per month sen/kWh 31.20
The recent price hike of rice and petrol will put a hole in everyones pocket. Our salary does not rise as fast as those items, what can we do to earn that extra cash to pay the difference in price hike? Conserve is the rite word for it. What can you conserve? Way 1. Turn off all electrical appliances When you are not using the computer, television or radio, you can act to turn off those electrical appliance to conserve more energy which will put less burden on your electrical bill at the end of the month. When i said turn off means to completely switch off the main plug or pull out the cable. Why i say this is because most electrical appliances still drain small amounts of energy when the plugs are still plugged in the socket. According to people who practiced this method, they managed to save around 25% of their bill. If your electric bill would be RM100, you will only pay RM75 only. Save rite? Way 2.Plan your trips Plan your trips means avoiding going the same routes twice and try to synchronize your task so you will only need to travel once and get the task done. Example is when you want to buy your groceries and the shop is located on the way to your working place, you can always stop by and do your shopping when you are on the way to work instead of choosing to go out just to do your shopping on a weekend when you are not working. I have a friend who have 2 cars and he will use the smaller car to run errands and only use the bigger car when he has passengers to drive around and want them to be comfortable. Using small car to run errands save a lot since there is no need to drive a high fuel consumption car just to run small errands. Way 3.Go electronic Welcome to the digital era where everything can be done via electronic method. Electronic billing, electronic mail and many more are ways to save on fuel, paper, postages because when a physical bill is being sent to you, there is transportation involved. Check with the merchants to see if you can get discounts if you use the electronic method coz there are many that offers them. Example is you can save around RM3 if you do not subscribe to physical bill from Digi. U can use their website to obtain your bill and it is FOC. Way 4.Recycle Yes the classic word which everyone once heard of.Recycling can bring many benefits and save your pocket from being burnt so much. 1st start to look around for unwanted stuff and put your brain to use by asking yourself is there anything else that u can use it for. There is bound to be 2nd uses for the item whether it is just old clothes,containers, bottles and others. If the items are really out of use, stock it up and bring it to the nearest recycling center to earn some extra cash. It may not be much, but if accumulated, it can be a decent amount.
A dog is man's best friend. I trust that many people like dogs as their pets. Dogs are very smart and based on studies dogs are considered an intelligent animal. They can be thought tricks, run a daily errand like fetching the newspaper, guiding blind people and to the extreme, saving humans life. So to those who have or planing to have a dog as a companion, i would like to share with u all an article i came across on how to teach your dog to high five. To those who don't have a dog but want to try the tips below on other pets, pls do so and let me know the results. Who knows if there are other pets which can do this trick?
Start by having dog shake. if it doesn't shake, just touch the back of her paw and say shake. Once your dog starts to offer paw, turn your hand up so your hand is facing your dog
Start saying "high 5" while holding ur hand up. When ur dog hits your hand with her paw, quickly say good dog and reward with a treat.
When ur dog hits your hand with her paw, start to slightly raise your hand higher and higher
Keep raising ur hand until you can stand and ur dog jumps up to a high 5 your hand. The you should reward your dog for her achievement.
So basically dogs like rewards. Keep on giving them rewards and they will continue to do the same thing. Come to think of it, we humans are like that as well right? We like rewards and we do a task to get it.
Ah..presentations. When was the last time that we did this? As far as i can remembered, the 1st presentation that i did was during school days. The feeling of standing in front of the whole class and delivering what was i assigned to research can still be recalled clearly in my mind. Public speaking skills, courage to talk in front of everyone and knowledge are some of the skills needed to effectively deliver presentations.
We do presentations in schools and universities through projects assigned to us by our teachers.During our working life, we are not sparred as well coz we need to present to our bosses, customers and others which means presentation skills are a must. For those who are not comfortable doing presentations, fear not as there are simple tips that we can follow to make things easier. Since that presentations are unavoidable in life, lets review some tips below. 1st tip. Start by answering the audience basic questions which is "Why should i care about all this?". In other words, explain to the audience whats is in for them for listening on what you want to deliver. Tell them, how your information will change their life or will benefit them. You can also tell them how much they will lose if they do not have the information that you will about to deliver. This will make them more interested in the content you are about to deliver.
2nd tip. Use stories. People like to hear stories. Instead of delivering fully information, blend in some stories which may relate to your content of delivery. This will allow your audience to synchronize with your presentation and feel more relaxed. More than any showy visuals, people will remember what they "see" in their minds while they are listening.
3rd tip.Use technology to support the message not vice versa. An over reliance on the flashy effects can even negate the message. Many presenters over use the technology like flashy videos and audios to cover up their content of delivery which makes the point of presentation failed. People will be too dazzled with the over effects than remembers the content that you deliver.
What did you do to the shirt that you do not wear anymore? What happened to the pair of jeans that did not fit your size anymore? What was the fate of that pair of dress which was out of fashion which you hardly wore?
Many of use will just put it aside and it ends up in the dustbin after a few years during spring cleaning. Well, i know that there are some of them who passed clothes to their younger sister and brother, donation to salvation army or the needy and some even put them on Ebay to resell.
Instead of doing all of the above, we can actually consider to reuse old clothes and here i will show you how you can do so. 1st tip.Depending on the piece of clothing, you can cut them into strips or squares which you can use them as rags.
2nd tip.. Cut some of the pieces which looks best to be made into a blanket
3rd tip..For those jeans, if you can save the top part and sew into a reusable grocery bag.
4th tip. If you have kids, using old clothing scraps to make doll clothes is a creative way to bond with your child.
With the steps shown above, now you have more options to do with your old clothes. Isn't it great to reuse old clothes? We get to save more and we benefit from it. Btw, i think step number 3 is kinda weird. using the top part of jeans which is formerly for the "u know where" for grocery items.
Have you been involved in a car accident before? If you had been in one before, how bad was it? Were you injured? Were you aware on what happened or did you went black out? Accidents are events that we try our best to avoid but no one knows when will it happen.
We can pray all we want to avoid the accidents but there is no guarantee that it will not happen.The question now is "Are you ready when this kind of things happen?"
Its best for us to know at least some tips to stay safe or take the best course of action when we come face to face in this situation.So i decided to share some tips over here. How to stay safe in a car accident? 1st step is the very basic which is to "Stay Calm".The key here is not to panic. ur already shaken up due to the accident so u must control ur emotions foremost
2nd step. If no one is hurt and the car is drivable, drive off the roadway. The logic is to avoid other cars from crashing into you which will create more damage for you and others.
3rd step. If ur car cant be driven, on your emergency light to inform others who see them to slow down therefore minimizing risk of others joining in the party.
4th step.Look around and be aware of on coming and passing cars. When safe, get out of the car, stay out of the street and set out cones to warn others.
5th step.Exchange information with other drivers. The situation is very messed up, hence its best to gather information to put the pieces of puzzle together.
6th step.When all information were exchanged and cars can be driven, watch out for traffic and re-enter the roadway.Drive to the nearest police station to make a report.
7th step.This is not the time to blame or to find fault. Likewise, this is not the time to settle the accident.Do not accept payment on the spot for damages.
The most important is to get the contact, IC details and car plate registration number. Damages and payment can be settled with those info above.
Steps
