thanks for coming^^

hmmmmmmmmmmm..........
thanks...
.for  coming.....:)
for be  by my side when i need u...
for being so caring and thoughtful...

it wasn't like what i say previously...
"that we arent going to meet each other when i need u"
again miracle...:)
i want u to be happy when i m...
but i dont wan u to be unhappy when i m...
cuz i just wanna see u smile....:D


u look so sweet when u SMILE..

i just need "care"

is it really that "happy" to have someone by ur side???
what if d two of u didnt have time to accompany each other??
is good to have someone..
but its just feel "bitter"
when u need"him/her" by ur side just for one hug...
and u cant get it..
bcuz u two arent going to meet each other...
everytime..
when i feel "stress","sad"..
i hope that i can c u...
can get a warm hug from u...
but its just not that easy....
anyway its sweetz to hav someone u love by ur side..
even u two are busy in work..
struggling for "MONEY"
its just worth ..
when it comes to an end..
i appreciated what u had done...
and try to make me happy...
 i hope that u r happy:)~♥
thats enough.....

plan for ur child future:)

Examples of education costs in top universities around the world :

Harvard University, US
	RM
Tuition Fees Per Year :	105,000
Other Expenses Per Year :	33,000
Total Per Year :	138,000
Total for 4 Years :	552,000

---

University of Cambridge, UK
	RM
Tuition Fees Per Year :	64,000
Other Expenses Per Year :	42,000
Total Per Year :	106,000
Total for 4 Years :	424,000

---

Monash University, Australia
	RM
Tuition Fees Per Year :	54,000
Other Expenses Per Year :	25,000
Total Per Year :	79,000
Total for 4 Years :	316,000

---

University Malaya, Malaysia
	RM
Tuition Fees Per Year :	1,200
Other Expenses Per Year :	10,000
Total Per Year :	11,200
Total for 4 Years :	44,800

---

Next to buying a home, funding for a child's education is the largest expenditure most parents will make. The following are some factors that you need to take into consideration when making education planning for your children: 1. Number of children you have. 2. Whether you want your child to attend a local or an overseas university. 3. Number of years you have before your child attends university. 4. Type of course that your child may be pursuing. 5. Current tuition fees and other type of expenses. 6. Currency exchange rate of the country your child wants to study in. 7. Expected rate of increase in education cost. 8. Your current and possible future income. 9. Investment that can be put aside for your child's university education. 10. Expected rate of return from your investment. Key Expenses Tuition fees for universities abroad are normally higher than that of local universities and may vary according to programme or course. Furthermore, you need to consider the rise in tuition fees when making education planning because they can increase quite significantly. Besides that you also have to take into account the following: - Medical fees - Course materials (such as text books and lecture notes) - Transportation (including air fares if studying overseas) - Room and board (if studying overseas or staying in dormitory) - Student activity fees (such as for sports and recreation) - Course-related expenses (such as laboratory fees, library fees, and exam fees) The Key is to Start Early Although it is never too late to start planning for your child's education, it is always best to start as early as possible to ensure you have sufficient funds by the time your child is ready to enroll in a university. Through the effects of compounding, a small sum of money put aside each month can grow into a significant amount.   Ronald has a 4-year-old daughter, whom he would like to send to the University of Cambridge when she is 19. He plans to invest a lump sum figure to kick start her education fund while saving a fixed amount each month to make up for the balance. The first thing he needs to do is to determine the amount he requires by factoring in the inflation rate. Currently, a 4-year course in the University of Cambridge would cost about RM424.000. Assuming an inflation rate of 5 percent, the expense would have increased to RM881.920 by the time Ronald's daughter becomes 19.  Current Expenses = RM424,000  Future Expenses = RM424,000 x 2.08  (15 years later) with inflation (5% per annum) = RM881,920  Ronald invests RM40.000 into an equity unit trust fund which he expects will give him annual returns of8 percent*. Using Table A, replacing inflation rate with compounding rate of returns, he can calculate how much his investment will grow to and what is his shortfall.  Lump sum investment = RM40,000  Total after 15 years = RM40,000 x 3.17(with 8% annual returns) = RM126,800  Shortfall (after lump = RM881,920 - RM126,800sum investment) = RM755,120  To fund for his shortfall, Ronald plans to invest in a portfolio of stocks and unit trusts. Using Table B, he can determine how much he needs to save each month. Assuming he can get 8 percent annual returns* from his portfolio, he will need to invest RM2.190 every month in order to get RM755,120 when his daughter is ready for university.   Amount needed = RM755,120   Monthly investment (with 8% = RM755,120 x 0.0029 annual returns for 15 years) = RM2,190

(copy from website)

我觉得很苦。。

所做的一切。。。
对错我不知道。。。
人家说blog是让人把内心话说出来的地方。。
但我不认为是这样。。
有谁真正了解我。。。
没有。。
人为什么要有感情。。
冷血。。
或许好一点。。
我不知道。。
好乱。。
我应该怎样。。？？

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Smart Early PAyout CRitical CAre

Smart Early Payout CriticalCare

The first plan in Malaysia that pays at the early stages of critical illness. With continuous medical advances and emphasis on periodic health screening, early detection of a critical illness is promising and may save your life. But will your finances be there to see you through the early treatment of a critical illness? Smart Early Payout CriticalCare is designed with you in mind. It’s a unique investment-linked insurance rider, which pays upon early diagnosis of a critical illness, not when the illness has become more severe as with most insurance plans.

Early Payout, Finances Saved When your life threatens to come to a halt, you need to bounce back fast. With early payouts to provide for early treatments, you won’t have to put off your other life plans should a critical illness occur. More importantly, you do not have to be financially burdened. The lump sum paid may be used at your discretion choose to use it for medical treatments or therapy, medication or even to settle financial commitments. With the advantage of early financial support from Smart Early Payout CriticalCare, you can focus solely on treatment and recovery so that you can get back on your feet again. Multiple Claims Across Multiple Critical Illnesses The most thoughtful thing is, Smart Early Payout CriticalCare allows for multiple claims for different critical illnesses or across severity levels within the same critical illness. Furthermore, you will not have to wait in between submission of claims should your condition deteriorate to a more advanced stage. There are no limits to the number of critical illness conditions that you can claim against, as long as the pre-defined conditions are fulfilled and the sum of claim payouts are within the rider’s sum assured limit.

maximising saving .....???

WITH longer life expectancy, escalating medical and education costs, most people’s Employees Provident Fund (EPF) savings will diminish over time.72% of the members who withdraw their savings at age 55 tend to spend all the money within three years..

Depending on a person’s risk appetite, investment time horizon and income, one can opt to invest in, among others, properties, equities, unit trusts and investment-linked insurance plans.

 Regular investing and saving is an effective and convenient way to help one reach his retirement goal.

Even a little money saved regularly can grow to a tidy sum over time.
The easiest way to reach your financial goals is to start investing through a regular savings plan.(copy and paste from the star online)

u can start with a simple saving plan now...
great eastern provided various type of saving plan..
multi cash , great income enhancer, elite buider..
think for urself,think for ur family....:)

If the Government is serious about providing ways for Malaysians to fund their retirement, they should allow EPF contributors to invest into offshore funds for greater choice and diversification.