the famous Haslam Restaurant

Last Saturday, I was doing my Public Mutual thing &
meet up with potential investor at Haslam Restaurant.
I guess I should share my experience having a "Sup Tulang" there.


entrance to Haslam Restaurant


entrance to Haslam Restaurant


Air-Cond section of Haslam Restaurant


Cashier counter of Haslam Restaurant, check it out, the cashier with a butt on his finger???


a bowl of Sup Tulang

pic 2- a bowl of Sup Tulang

the taste of the soup is ok, boleh diterima
but the meat.. wa keras tu, jenuh nak makan.
at the end i tapau the soup only.
so i ate only nasi putih, telur dadar & sup.
After my appointment, i drop by to a burger stall & to fullfill my stomach.
meaning to say perut lapar lagi.. after the Haslam experience.


a plate of nasi putih

Look at yourself and think "Are You Negative?"

Did u know dat over 80% of the conversation u hear around u is negative?
i.e
complaining, mostly those who work in office know this lingo.
whining, or so called reverse psychology
traffic, d best excuse for late appointment.
illness, arggh I need 2 c d panel Doctor.
weather, u can’t blame on global impact as we never recycle.
the "news," talk of the town Anwar Ibrahim.
gossip, I can’t list all, u name it…
sarcasm, d boss loor.
self-deprecation, dangerous too, get a frens, facebook a lot.

Most people don't talk about d past in order 2 learn from it,
dey simply rehash it 4 d sake of easy conversation.
But d past is negative.
Why?
Because unless u are talking about d past 4 d purpose of learning from it,
it is entirely unproductive.

When u have goals as big & audacious as d goals u have,
u do not have time 2 b unproductive.
btw,
being positive doesn't mean happy, happy, joy, joy.

My Positive Conversation Starters:

• What are u most looking forward 2 in d next week?
• What will u do differently next month 2 increase yr success?
• What do u do 4 fun?What would yr ideal vacation look like?
• What conversation would u like 2 have w your child? yr spouse?
  When do u plan 2 have it?
  
  
  Max Steingart's Daily Motivation has inspired, uplifted and raised the motivation level of everyone receiving them to new heights since 1997. These insightful messages have encouraged people to: start new careers and end others. begin new relationships and abandon others.create greater goals and work harder to attain them and so much more.
  Copyright 2008 www.yourdailymotivation.com Reproduce freely but maintain Copyright notice.
  

the talk of the Town
Latest Anwar Ibrahim video.

What you need to know when investing in Unit Trusts using EPF savings.

EPF
1. EPF funds are basically an alternative savings plan conservatively managed to generate stable and moderate returns that at least maintain the purchasing power of our retirement savings by keeping pace with the prevailing inflation rate.
2. EPF dividen rate can't be use as a benchmark of investment performance for unit trusts.

Unit Trust Funds
1. The performance should be evaluated against their respective benchmarks over a medium-term horizon of three to five years.
ie. an equity fund evaluated if it beats KLCI. (Kuala Lumpur Composite Index)

But what are the criteria for me to invest?
EPF has set up certain rules for your investment
Only 20 % from your entitlement in Accout 1

Table of minimum amount listed below:

To Summarize:
It pays to invest early in your working life and using a portion of your EPF savings to enhance your overall returns is a wise way to start.
To apply DCA (Dollar Cost Averaging), you can withdraw a fixed amount regularly every 3 months or every year to invest in equity unit trusts,

However,
those who have low tolerance of risk and nearing retirement, they are encouraged to maintain their savings in EPF accounts.

Author is a certified Unit Trust Consultant (click here to view profile)

What is Dollar Cost Averaging?

Today, we talk about Dollar Cost Averaging but What is It?
Instead of investing assets in a lump sum, the investor works his way into a position by slowly buying smaller amounts over a longer period of time.
This spreads the cost basis out over several years, providing insulation against changes in market price.

So i've listed 3 simple senario:
A- The Ever Increasing Pattern
B- The Down & Up Pattern
C- The Decline And Pattern to Original Price Pattern

Setting Up Your Own Dollar Cost Averaging PlanIn order to begin a dollar cost averaging plan, you must do three things:

1. Decide exactly how much money you can invest each month. Make certain that you are financially capable of keeping the amount consistent; otherwise the plan will not be as effective.

Select an investment (index funds are particularly appropriate, but we will get to that in a moment) that you want to hold for the long term, preferably five to ten years or longer.

At regular intervals (weekly, monthly or quarterly works best), invest that money into the security you’ve chosen. If your broker offers it, set up an automatic withdrawal plan so the process becomes automated.

The Benefits of Dollar Cost Averaging

Author is a certified Unit Trust Consultant (click here to view profile)