100 Ways to Help You Succeed Make Money

The secrets to success in business and life are revealed in business icon and management guru Tom Peters' 100 Ways to Succeed/Make Money.

Delivered in Peters' singularly irreverent voice, these tidbits—which originally appeared on Peters's blog—will transform your way of looking at business while also giving you the swift verbal kick in the, er, behind that will motivate you to put these ideas into action.

With a tip a day from Tom Peters delivered by DailyLit, you can take up Peters' call to "Wow...Now! (No bull. This is doable)." Doable indeed.

One of my ebook collection!

Your Home Business insights,strategies and start-up advice for aspiring entrepreneurs

working from home is the smart career move of the 2000s.

Are you looking for a change? Why not join the one million Australians and 200 000 New Zealanders who have already escaped the grind of the daily commute and corporate life to set up their own successful businesses at home.
Photographers and web designers, plumbers, artists, artisans and architects, writers, caterers, gardeners, consultants-whatever your calling, you can be your own boss and work from home.
Read about the experiences of other home business operators to learn all the inside information on starting and running your own business from home, including:
- getting started in your business with minimal cost
- setting up a work environment
- keeping work and home life apart
- marketing and promotions
- using the internet to advertise and promote your home-based business
- and much more!
This invaluable book will help you begin your promising new life today as a successful home-based entrepreneur!

A proven investment strategy from a proven winner

A PROVEN INVESTMENT STRATEGY FROM A PROVEN WINNER

"Buffett is much praised, but seldom replicated. Now with Warren Boroson's
J.K. Lasser's Pick Stocks Like Warren Buffett investors have a
template for both identifying fund managers who pick stocks like
the master and for improving their own techniques for identifying
great stock market values."

-Don Phillips, Managing Director, Morningstar, Inc.

Warren Buffett's investment strategy of buying and holding good stocks at good prices has proved profitable for thousands of investors. Now, with J.K. Lasser's Pick Stocks Like Warren Buffett you will learn how to use Buffett's proven techniques to find and research value stocks just like the master. You will also meet several top mutual fund managers who subscribe to the Buffett philosophy and have become experts in their own right. Take the advice of Buffett to successfully invest on your own or let the value investment experts do it for you.

Critical coverage will help you:

* Understand and use the value investment strategies behind Buffett's phenomenally successful stock-picking career
* Identify the strategies of other value investors such as Martin J. Whitman
of Third Avenue Funds, Christopher Browne of Tweedy, Browne Co., and many others
* Set Buffett-like criteria when looking to buy value stocks

Wealth U - Seven Sacred Wealth & Wisdom Lessons

'Wealthy U' counters negative money attitudes, beliefs and emotions with inspirational stories of financial success. From earliest recorded time, people have told stories to illuminate, teach and give hope. 'Wealthy U' tells the moving stories of real people transforming their financial lives by using the seven agreements (personal contracts) to change their relationship to themselves and their money. This book is filled with stories of awesome breakthroughs and hope.

Each chapter is one of the agreements detailed and outlined including the underlying principle that supports the agreement. The self-discoveries exercises at the end of each chapter gets the reader involved and keep them engaged in the book.

The goal is to raise awareness and change negative money beliefs and attitudes into increasing wealth. The purpose of this book is to inspire and give hope to millions of people who have not achieved their wealth potential, but have a passion and desire to live a rich, purposeful and joyous lifestyle.

The intended audience is small business owners and sales professional who has control of their own financial destiny. It's designed to help them overcome their own fears regarding money (fears of success) so they are more powerful in the market place, closing bigger deals. Direct sales (MLM) people need this book as they are constantly told they can succeed, but don't know what is holding them back. Sales skyrocket as people blow out hidden negative attitudes and misconceptions about rich people. A secondary audience is the growing self-help market - people who are seeking and searching for a better life.

Unlike get-rich quick books, my book provides a foundation of wisdom with which to use money well and enjoy. The reader receives a strategic action plan on which to build a solid foundation for wealth.

One of my ebook collections!

Financial Health Check

I was surfing AIA website since I have to change my credit card auto debit. I surprised to see the ads about Financial health check. People used to go for health check but most of us doesn't really go and evaluate their financial health check These are the questionaires for the financial health check: 1. I have drafted a will to distribute my estate to my loved ones.       2. I have started building my retirement fund at least 10 times my gross annual income.     3. I have started to plan for my children's university education.     4. I have emergency funds (i.e. cash/cash equivalents) to provide for expenses for at least 6 months.       5. I have critical illness insurance coverage of at least twice my gross annual income.     6. I have hospitalization and surgical insurance coverage that can provide for my hospital bills without any out-of-pocket expenses.     7. My house will be full paid-up in the event of my death and disability.     8. I have life insurance and disability insurance coverage of at least 10 times my gross annual income.   Have you done all those items above?

Financial Planning for the Utterly Confused, 6th Edition

Author: Joel Lerner When it comes to financial planning, it's easy to become befuddled. But with the Sixth Edition of Financial Planning for the Utterly Confused (over 100,000 copies sold!), you'll find guidance on planning for every contingency, from saving for a child's education to making decisions about retirement, insurance, and real estate. To make the right decisions about your financial future, it's important to understand the wide array of investment options available. From Roths and 401(k)s to social security benefits and Medicare to mortgage and life insurance, you'll have a helpful, easy-to-understand guide that takes the confusion out of financial planning. From this book, you'll also learn: • Investment and financial planning strategies especially suited to women and singles • The right healthcare funds for seniors • The ins and outs of the latest mutual funds • Effective methods to save for college tuition One of my ebook collection!

52 Simple Ways to Manage Your Money

Author: Judith Martindale, Mary J. Moses Finally, a book that reveals easy-to-use methods for evalutating and controlling your finances! Make financial control painless. Through a better understanding of your feelings and attitudes toward money, you can gain financial freedom. Learn how your feelings about money can prevent you from reaching your goals. Each two-part chapter describes an investment or common financial problem. After providing tips and techniques for success, the book invites you to explore whatever is preventing you from moving ahead. Chapters include tips on how to raise your consciousness about money, goal setting and budgeting, and guidance when selecting a financial advisor or buying life insurance. 52 Simple Ways to Manage Your Money is a practical, systematic workbook that motivates readers to take steps necessary to ensure a sound financial future. You've worked hard for your money. It's time to let your money work hard for you. One of my ebook collection!

Kalau takut dilambung ombak, jangan berumah ditepi pantai

That's the idiom that we used to hear every time.

But usually this apply into our daily lives but many people do not apply into their financial terms.

I would quote it this way: "Kalau tak pandai bayar hutang, tak payah ler berhutang!"

It is relevant because many people are afraid of debt but still making debts. If they are a good paymaster, I guess it should be alright but they didn't.

Our society is still lacking of financial intelligent.. that's why.

So think about it.

chow!!

Sukuk is now open for depositers

Do you know Sukuk Simpanan Rakyat 2009 will give 5% annual return with pay quarterly.

Have you heard about Sukuk Simpanan Rakyat (SSR) ?

Sukuk Simpanan Rakyat (SSR) 2009 is an RM5 billions national Islamic savings bond issued by government of Malaysia and offerred to Malaysian citizens aged 21 or above. It is part of the Malaysian RM60 billions economic stimulus package announced in March 2009.

Bank Negara will issue the SSR in 2 phases. The issuance of SSR 01/2009 amounting to RM2.5 billion is on 14 May 2009 and will be offered to the public from 14 April to 13 May 2009 on a first-come-first-served basis and subjected to terms and conditions specified.

http://www.bnm.gov.my/index.php?ch=226&pg=731&ac=671

Tax Relief for Malaysian

* Save for your children's education with Skim Pendidikan Nasional (Up to RM3,000 in tax relief)
* Ask your employer to increase your EPF contribution in lieu of income (up to RM6,000 tax relief - shared with life insurance)
* Change your cash remuneration to cash reimbursement (for benefit-in-kinds that are not entitled to tax exemption)
* Ask for a company car (part of remuneration repackaging)
* Make charitable contributions (individuals get rebates of up 7% of their aggregate income)
* Take up postgraduate studies (tax relief of up to RM5,000)
* Read, read, read (tax relief of up to RM1,000 for reading material purchases)
* Get Sporty (tax relief of up to RM300 for purchase of sports equipment)
* Buy life insurance (tax relief of up to RM6,000 - shared with your EPF contribution)
* Take up a medical insurance shared together with education policy (tax relief of up to RM5,000)
* Pay your parents' medical bills (tax relief of up to RM5,000)
* Do a medical check up (tax relief of up to RM500 for yourself, spouse or children) and medical bills for serious illnesses tax relief of up to RM5000 (combined with medical check up should not exceed RM5,000)
* Pay zakat for muslim (rebate of up to 2.5% of your aggregate income)
* Buy a computer (tax relief of up to RM3,000 every 3 years)
* Buy propery at or below RM250,000 (50% stamp duty exemption, extended to loan agreements under budget 2009)
* Buy similar property (if similar properties are group together, you can reduce the taxable profit made from one property with the loss, if any, incurred from the others)

(Excerpt from Personal Money April 2009 issues)

How to calculate ASB Dividend and Bonus

I have been told that ASB Dividend and Bonus are calculated as follows:

Dividend

Formula : (total minimum monthly balance) x dividend /12

Let’s say you invest $200 every month from 0, and dividend for that year is 7% (last year 2008 dividen), your dividend will be…

(200+400+600+800+1000+1200+1400+1600+1800+2000+2200+2400) x 0.07 / 12 = RM91

Bonus

Formula : (total minimum monthly balance) x bonus / 120

Let’s say you invest $100 every month from 0, and bonus for that year is 1%, your bonus will be…

(200+400+600+800+1000+1200+1400+1600+1800+2000+2200+2400) x 0.01 / 120= RM1.3

I'm not it is correct either.

Deposit ASB via Maybank2u

Now, I saw the new payment for Maybank2u users where you can make payment or transfer to ASNB Unit Trust called ASB from Maybank2u.

It is easier now to transfer any excess money monthly to ASB. You can do monthly at the end of each month to get the minimum amount on that particular month.

10 years history of ASB payout and BLR

Here is the summary of ASB payout vs BLR from 1990 to 2008

You have to be at least a millionaire when you retire

You need to have cash reserves of more than RM1mil to be able to maintain your current lifestyle 20 years after retirement from age 55 to age 75. This is on the assumption that we can live up to 75 (the average lifespan of Malaysians).



This amount will be enough to maintain your current lifestyle for the next 20 years after your retirement at 55.

However, if you need to spend RM5,000, RM7,000 or RM10,000 per month, then you need RM2.6mil, RM3.7mil and RM5.3mil respectively at your retirement age of 55.

How bad is the economy out there

Malaysian Bank Swift Code

Affin Bank Berhad = PHBMMYKL Alliance Bank Berhad = MFBBMYKL Ambank Berhad = ARBKMYKL Bank Simpanan Nasional = BSNAMYKL CIMB Bank Berhad = CIBBMYKL Citibank Berhad Malaysia = CITIMYKL Hong Kong Bank Malaysia Berhad = HBMBMYKL Hong Leong Bank Berhad = HLBBMYKL Malayan Banking Berhad = MBBEMYKL OCBC Bank Berhad = OCBCMYKL Public Bank Berhad = PBBEMYKL RHB Bank Berhad = RHBBMYKL Standard Chartered Bank Malaysia Berhad = SCBLMYKL United Overseas Bank Berhad = UOVBMYKL