Newpaper highlight that global ecomony is going downturn and we will having a recession soon. As a normal people live in the world, what we can do about it. With inflation going on now, goods price rise, RM currency not stable and many more. Not much we can do expect protect our money. But if we kept our money without make it grow, we still having the same issue.
What we can do now, in fact long time ago, is to manage our money in a SMART way. S=SECURE, M=MEASURABLE, A=ACHIVEABLE, R=REALISTIC, T=TIME (resource from B.M.W). To be able to be SMART, there are a few ways, either we invest our money in unit trust, ASB, stock, buying insurance or any other things that can growth our money. However, not every investment is SMART. We have to know which one is suitable for us and choose the correct one.
If we have 1 million in our hand but we did growth the money, the inflation will eat up the value of your money. Maybe what you have today, let say 100 thousand can be only 50 thousand in value after 10 years. So, we have to do something to overcome the inflation.
There is one kind of investment which can give you high return with lower risk and not related to market flactuated. This investment is related to land. We know that land will never depreciate in value and land value will go against the inflation. This investment is consider as a SMART because it is low correlated to market, high return and hassel free. It is mid to long term investment with minimum 20% p.a for the return.
So, be SMART when dealing with your heart of money and make a wise decision before put your money somewhere.
Friday, October 24, 2008
Monday, July 14, 2008
Road Block at Jalan Parlimen
1. This afternoon I was on my way to KL. Right after Jalan Duta toll, there are a several policeman doing a road block. I though it was normal but when I reached the junction to exit to Jalan Parlimen, there is another road block. Hmm.. something was not right here. So I switch to an alternatif route which I'm not familiar. At last I saw another junction to Jalan Parlimen. Once again the road is closed. So I have to take a left turn. Only God knows where I'm heading to. Then I meet again with another road block. Hey, what happened here.
2. When I reached my office, my colleague told me that they might be some demonstration going to happen at Parlimen so that's why they are proactively doing a road block. Aiyoo.. make our life much much more difficult. Some more with oil price hike and public transport not enough, I have no choice. I have to travel to KL since my home is far from the town. I could not afford to buy a house in KL. Too expensive. The easiest way for me is to drive to KL if I want to reach there early. Some more this afternoon the rain is quiet heavy. Doesn't it we wasted our car fuel because we need to take long cut and stuck in a jammed? People like me where I have to travel to do my work is really a burden since the oil price has increase.
3. I understand that the oil price are base on global market demand. Nothing much we can do to reduce it. Maybe what the goverment can do to help us is to upgrade our public transport, encourage the commercial industries or commercial transport to use the hybrid engine or find alternatif for using oil as main energy resouce. This is the root couse of all others goods increase. The transportation cost to move goods to the consumer increase is impacting the goods final price. Maybe our government should study this and analyse the effect.
2. When I reached my office, my colleague told me that they might be some demonstration going to happen at Parlimen so that's why they are proactively doing a road block. Aiyoo.. make our life much much more difficult. Some more with oil price hike and public transport not enough, I have no choice. I have to travel to KL since my home is far from the town. I could not afford to buy a house in KL. Too expensive. The easiest way for me is to drive to KL if I want to reach there early. Some more this afternoon the rain is quiet heavy. Doesn't it we wasted our car fuel because we need to take long cut and stuck in a jammed? People like me where I have to travel to do my work is really a burden since the oil price has increase.
3. I understand that the oil price are base on global market demand. Nothing much we can do to reduce it. Maybe what the goverment can do to help us is to upgrade our public transport, encourage the commercial industries or commercial transport to use the hybrid engine or find alternatif for using oil as main energy resouce. This is the root couse of all others goods increase. The transportation cost to move goods to the consumer increase is impacting the goods final price. Maybe our government should study this and analyse the effect.
Monday, June 23, 2008
Pergi kerja naik basikal
Baru-baru ni ada cadangan supaya kita pergi kerja naik basikal. Okay, memang cadangan yang baik. Tetapi hanya sesuai untuk orang-orang yang tinggal tak jauh dari tempat kerja. Kalo orang dari PJ yang kerja kat KL nak naik basikal pergi kerja, alamat kene masuk keje pukul 10 la gitu.. naik basikal tu sendiri dah dekat 1 jam nak sampai tempatkerja. Memang la bole nak contoh macam Jepun ke, Korea ke, China ke tapi kene la ada infrastruktur ready utk org nak berbasikal.Ni jalan untuk motosikal pun tak semua jalan ada,ini kan pulak basikal. So how?. Berbaloi tak utk berbasikal kalo duk kat PJ keje kat KL? Dan rasanya utk org yg kerja dekat2 dgn office tu, harga minyak naik tak terasa sgt kan..baru tekan minyak sikit dah sampai pintu opis. Lain la kalo org yg duduk jauh dari tempat kerja. Kalo public transport ok tak pe, ni paham je la.. kene byk kali transit baru sampai tmpt keje.
Subscribe to:
Posts (Atom)
