;D

First step is to spread them out wide.. Admire & laugh if you like.. Then start putting it in.. Add some action to it.. Take it out if you must.. Remember to follow rhythm & sequence.. And lastly, make sure you end it with a bang.!

And that's how you make a photo montage with PowerPoint.. ;)

Budget Review

I did a budget review yesterday. Results not good. In deficit after savings. Haiizz. How to start off my investing liddat. Need to tighten the belt now. And best-source for my purchases.

Anyways, back to the the budgeting. Next step is to list out all your expenses. All your monthly bills, transport, makan, subscriptions, insurance & $$$ for your love ones; all the monthly expenses. For those with monthly loans for housing after cpf deduction, do include them. If you don't have an exact amount, have a habit to keep track of your expenses. I use a mobile app for this. U can use an excel sheet which you must key in at the end of the day or a small notebook which you can write down. Personally, a mobile app is the easiest. Since February, I have been keeping track of all my expenses. :D Now just need to maintain it.

That's all for expenses. This I think this is the tough part. The rest onwards should be easy.

Income

Ok, how did i start this. Of course first, if possible, attend any financial courses, talks and seminars your workplace sent you. Its a good start. Not to forget CPF talks and seminars too. Reading books helps too. I usually get books from local authors so I can relate to the stories or scenarios. Our excellent public libraries are world class. Do visit them and of course clear any debts u have with them. : ) The internet is also a great source of info. Blogs, wiki, even FB posts are sometimes quite informative.

The first part of FP was budgetting. The start of budgeting was quite an eye opener for me. I get to see all my expenses, my debts and liabilities and of course, my savings. Yes, I do save at that time tho not regularly. To start, you need to do the following:

- Find out your income
List down your monthly income. Your take home pay. You may want to include any sideline business or recurring income you might have. For bonuses, you can put it in too but for my case, I normally shove a nice round number to my savings account. The rest I will keep for spending. Like the new Galaxy S3 if have been eyeing all year long. :D

http://www.youtube.com/watch?v=D683O1YeozY&feature=share

I nak!

What's the difference between shares and stocks?

In today's financial markets, the distinction between stocks and shares has been somewhat blurred. Generally, these words are used interchangeably to refer to the pieces of paper that denote ownership in a particular company, called stock certificates. However, the difference between the two words comes from the context in which they are used.

For example, "stock" is a general term used to describe the ownership certificates of any company, in general, and "shares" refers to a the ownership certificates of a particular company. So, if investors say they own stocks, they are generally referring to their overall ownership in one or more companies. Technically, if someone says that they own shares - the question then becomes - shares in what company?

Bottom line, stocks and shares are the same thing. The minor distinction between stocks and shares is usually overlooked, and it has more to do with syntax than financial or legal accuracy

Read more: http://www.investopedia.com/ask/answers/140.asp#ixzz1tV6FdquV
Taken from INVESTOPEDIA

Page Refreshed

Ok, did a refresh on my webby. Removed the old shoutmix as it is no longer free and added a Malairen shoutbox.. Free one.. :D You can get it here.. Dun worry, not as busuk as u think.. haha..

Removed my MP3z and set is as a post.. Coz i find it too showoffish.. You can get it here.. Do read my plea there eh.. ;P Also removed the built-in MP3, so less annoying now..

Changed some UI, theme, layout.. To keep it simple.. Yup, like these guys..

Mr Simple - Super Junior

*For the record, NO, i am not a K-Pop fan.. I juz like the hand swish x2 motion these guys do when say, "Simple, simple, simple.." Hahaha..

Testing on multiple pics

Testing Blogger-droid multiple pics..
Here's no. 1..

Go see where the QR code brings you..
Here's the second pic..

Published with Blogger-droid v2.0.4

Financial Planning

Ok, after the 2 days course, I am gonna commit myself to the financial planning(FP) steps. Enuf wife the delays, the procrastination. Its time for action. Execution time. Do it. Do it.

I have done the first few parts of the plan but after yesterday's course, I need to readjust some. The thing about FP is that u need to relook into it say once every year or whenever u have new commitment or priorities. Half a day's work or less.

In addition, as part of FP , I'm gonna have a new hobby. That is to make money enuf for my retirement. Yup, make ka-ching as a hobby. Invest, save, open/buy business, take action. Why, u say.. Coz of the picture. That's my financial goal to retire.

Published with Blogger-droid v2.0.4

MASSIVE JAM TOWARDS BKE

OMG I'M SO FUCKING PISSED!!!

Good Stuffz Muz Share...

As mai bradders frm Poly would say...
Good stuffz muz share... (wink2..)
Therefore here it iz...


== BREAK ==
Lemme hijack this.

This post was supposed to be showing a preview of Spiderman 3 trailer budden i never had the chance to post it up.(maybe i did, hell who cares) So. instead I will put up my MP3z page. Coz its looking dumb showing it off.(even tho' i sound good.. heh)

So to all recording studios, IDOL searchers, X-factor judges and the Voice, please listen to my MP3z and do contact me if i made it.. (Y)!

Right Here Waitin'

I Live My Life For You

Hands Down

Bintang Di Surga

Seloka Hari Raya

Pieces

You're Beautiful

Kasih Tak Sampai

Ku Juga Mencintaimu

Berhenti Berharap

Crazy For This Girl

Happie Burfdae(guitar)

Jujur

Landing In London

Miss You Like Crazy

Semua Tentang Kita(guitar)

Tak Bisakah

Tulus

Fall For You

** Basha Buildin'

**crappy stuffz

Lemme post this as 1 Jan 2012