MONEY MASTER

Nowadays, people are slowly aware of the importance and benefits of keeping a body fit. Women choose to lose weight, so that they have better body shape that can indirectly attract attention of men, while many others lose weight to have a healthy living. If there is a need for you to lose weight, you could opt for a smarter and more economical way, the HCG diet . It only cost about 69USD in comparison to those who go for injection or slimming programs that might requires you to dig deep. The effect of HCG treatment is as good as those who go for injection. There will not be any fear of pain as well. If you are not sure about the effectiveness of HCG , here are some basic facts that you should know. HCG is a natural hormone or protein substance that helps burn off unneeded excess fat. It also alter your diet and preference of food in a healthy manner. For those of you who are afraid of side effects, the HCG drops are homeopathic, so they are safe and have virtually no side effects. If y...

Well, guess what....the long awaited EPF dividend annoucement for most Malaysians is finally over. EPF declares 5.8% dividend in a year. Read more for the explanation from the EPF. I will blog a post that will again compare EPF vs KLCI maybe by end of this week. PETALING JAYA: The Employees Provident Fund (EPF) has declared a dividend of 5.8% for 2010, up from 5.65% declared the year before. It will pay out a total of RM21.61bil to members, an increase from the 2009 dividend payout of RM19.37bil. EPF declared that the rate, which was approved by the Finance Minister, was the “highest dividend payout amount ever”. EPF’s total investment assets stood at RM440.52bil as at Dec 31 last year while its gross investment income was RM24.06bil. “The dividend rate underscores an impressive year in which gross investment income reached a historical high of RM24.06bil, reflecting a 39.76% increase over the RM17.22bil recorded in 2009,” EPF chairman Tan Sri Samsudin Osman said in a statement yester...

As I was browsing through some Financial articles, I came across this one .... How the Middle Class Became the Underclass. I am sharing the article because I feel that the article really fits the blog theme, in which we are talking on the Realm of Wealth. The article simply reflects the truth of the rich will get richer. Below is the full content of the article which you can also get it from Yahoo Finance. ******* Are you better off than your parents? Probably not if you're in the middle class. Incomes for 90% of Americans have been stuck in neutral, and it's not just because of the Great Recession. Middle-class incomes have been stagnant for at least a generation, while the wealthiest tier has surged ahead at lighting speed. In 1988, the income of an average American taxpayer was $33,400, adjusted for inflation. Fast forward 20 years, and not much had changed: The average income was still just $33,000 in 2008, according to IRS data. Meanwhile, the richest 1% of Americans -- t...

Starting a family means a whole lot of commitment. One of the major commitment is the house. To have a comfortable life, one should have a comfortable home, equipped with everything that a house will need to have ranging from bed to kitchen appliances. A lot of new couple neglect knife sets , but having complete knife sets mean that the couple can prepare dish and cook at home.

Most of us at one point of time or another might suffer from credit crunch due to a lot of unforeseen circumstances such as accidents, house broken in and many more. This is not to say that we never have a proper budget to cover when bad things happen, it is just that sometimes bad things happen so drastically until we might stumble upon credit crunch. Of course, a good way to avoid temporarily credit crunch is to save up to six or even a year of salary, but what if we run into credit crunch situation when just started to work? How are we going to have six months of salary in our savings? Not possible. During the credit crunch situation, first of all, it is best to get financial help from family and friends, who can provide financial assistance without charging interest. By doing this, we can repay the debt to them in the following month when we have our first paycheck. However, sometimes, the financial situation is so bad that even with the financial assistance from family and friends...

As we are still in the Chinese New Year mood, let's look into what the Feng Shui master said about the overall market sentiment for the Rabbit Year. I even have a post on Investing With the help of CLSA Feng Shui Index last year, so this year we can even review some of the prediction to see whether any of the prediction comes true. The following is the excerpt from CLSA website on the 17th CLSA Feng Shui Index:- 17th CLSA Feng Shui Index: Watch the Metal Rabbit bounce Hong Kong - Wednesday, 19 January 2011 - CLSA Asia-Pacific Markets (“CLSA”), Asia’s leading independent brokerage and investment group, publishes the 17th CLSA Feng Shui Index (‘CLSA FSI’) report today with a tongue-in-cheek look at what 2011 holds for equities, commodities, property, celebrities, and the zodiac signs in the year ahead. The year of the Metal Rabbit promises plenty of luck and material gain for investors, with many signs favouring the accumulation of indirect wealth. But, with a continuation of last ...

Wishing everyone a Happy Chinese New Year :D. Hopefully everyone will be healthy and prosperous in this year of this Rabbit year.