Jangan Tunggu Lama-lama, Nanti Lama-lama, Dia Diambil Orang
Terbang tinggi burung merpati
Hinggap sebentar di sarang kedidi
Kalau sudah berkenan di hati
Awak nak tunggu apa lagi?
Hinggap sebentar di sarang kedidi
Kalau sudah berkenan di hati
Awak nak tunggu apa lagi?
Nak cari calon isteri jangan letakkan kriteria utama yang berdahi licin saja. Pastikan yang mempunyai asas agama kriteria yang pertama.
Tapi zaman dah berubah bro.
Adalah penting untuk kita masukkan lagi kriteria tambahan seperti di bawah. Kalau dalam DNA calon isteri kita ada 7 sifat ini, laju-laju masuk meminang. Ajak kahwin terus lagi bagus.
Antaranya :
1. Minat Menyimpan
Dia jenis yang minat simpan duit. Tak suka membazir kepada perkara yang bukan-bukan. Kalau kita nak belikan hadiah dia akan terus keluar ayat standard, “Tak payahlah B, membazir je”, “Tak payahlah lah sayang, simpan la duit tu”.
Bukannya jenis yang setiap kali keluar dating, asyik perabis duit kita suruh belanja air Starducks atau MekDonal.
2. Tak Apa Kalau Ajak Makan Kedai Biasa-biasa
Kalau kita ajak dia makan kedai biasa atau dekat warung, dia tak kisah. Asalkan makanan sedap dan boleh masuk perut. Bukannya jenis makwe yang konon dah penat berhias pakai tudung lilit, tak ada kelas makan kedai murah. Paling kurang pun MekDonal.
3. Naik Kereta Secondhand Kita Pun Dia Tak Segan
Dia jenis tak kisah pun kita pakai kereta apa. Tak malu pun dengan keluarga dan kawan-kawan. Kalau ajak naik MRT pun dia selamba. Bukannya jenis makwe yang setiap hari pressure kita suruh tukar Honda!. Nak nampak ‘class’ kononnya.
4. Tak Minta Hadiah Mahal
Setiap kali hari jadi dia tak minta barang yang ratus-ratu, ribu-ribu harganya. Contohnya tak minta beg tangan LV, jam tangan DKNY, make up SKII atau iPhone. Kalau dapat jenis yang happy asalkan kita ingat untuk wish hari jadi pun dah dikira tip top.
5. Nak Buat Kenduri Kahwin Biasa-biasa Saja
Dia jenis nak buat kenduri kahwin setakat yang mampu. Tak impikan nak buat wedding of the year bagai sampai kena buat pinjaman peribadi. Kalau boleh nak nikah dengan kenduri buat dekat masjid, lebih jimat dan berkat. Hantaran pun tak letak tinggi. Jenis ini akan berlapang dada kata Ijazah adalah untuk minta kerja, bukan sebagai justifikasi untuk minta hantaran RM30 ribu serba satu!
6. Tak Minta Nak Bercuti Sana Sini Sebelum Kahwin
Dia bukan jenis nak ajak pergi bercuti sana sini sebelum kahwin. Nak cipta sweet moment kononnya. Amboi…Ciptalah sweet moment tu selepas kahwin.
7. Tak Kisah Gaji Kita Sikit
Dia tak kisah pun kalau gaji kita lebih rendah daripada dia. Dia terima kita seadanya. Janji sumber pendapatan kita tu halalan taiyiban. Spesis jenis ni memang susah dah nak jumpa di zaman moden ni, jadi kalau terserempak, jangan lepaskan!
Manusia itu tak sempurna. Kalau masa bercinta dan pasangan kita tiada 7 ciri-ciri di atas, janganlah pula tinggalkan dia. Kita bimbinglah supaya dia lebih bijak menguruskan kewangan. Lengkapkan kekurangan, barulah kehidupan akan lebih bahagia.
Sama-sama belajar ke arah kebaikan. Duit bukan segala-galanya. Tetapi semua benda nak pakai duit. Kalau jenis suka membazir benda bukan-bukan, mungkin kedudukan kewangan masa depan kita akan turut terjejas.
Kalau rasa perkongsian ilmu kali ini cukup bermanfaat, rajin-rajinlah follow Taufiq Hidayat
Sumber : majalahlabur.com
a HOW TO INVEST The Importance of Financial Investments
If you're just starting out, beginning an investment program may be something that hasn't been on your radar. You may be more concerned with how to pay for items like food and gasoline. However, if you can scrape together even a small amount of money for investment purposes, you'll be on your way to creating a much rosier financial picture in the years to come.
Beating InflationIn addition to making for uncomfortable sleeping, stuffing your money under a mattress does little to mitigate the impact of inflation over time. Putting your money in a regular bank savings account won't help much either because of the typically minuscule interest rates. While placing your money in investment vehicles, such as stocks and mutual funds, introduces an element of risk, you stand a much better chance of outpacing the inflation rate throughout a period of years.
Saving for Retirement
Depending solely on social security benefits as your source of retirement income probably won't cut it unless you plan to subsist on a diet of rice and water. Unless your company offers a sizable pension plan, you will probably need to start an investment program as early as possible to ensure a comfortable retirement. IRAs offer an easy way to invest for retirement and also provide certain tax benefits. If your employer offers a 401k plan, you can benefit from the matching funds that many companies will deposit in your account on your behalf.
Putting Your Money to Work
If you have a job, you're undoubtedly familiar with the concept of working for your money. Investing allows you to turn the tide by making your money work for you. Through the magic of compound interest, for example, your accumulated interest actually earns additional money without you having to lift a finger. Consequently, your original investment can multiply greatly over time. For example, if you invested $1,000 at an interest rate of 7 percent compounded annually, your investment would grow to $7,612.26 after 30 years.
Financial Resource
Some investments can fulfill more than one financial purpose and serve as a valuable resource. For instance, when you purchase a home, it may appreciate in value and yield a handsome profit when you sell it. Additionally, as you make your monthly mortgage payments you build up equity, which is the amount of your ownership stake in the property. You can borrow against your accumulated equity by taking out a home equity loan or home equity line of credit to help you more immediate financial needs.
HOW TO INVEST Five Key Points to Consider Before Investing
So you and your special someone are thinking about beginning an investment program. That's a wise move because the earlier you start investing the more time your nest egg has to grow. Invest only $250 a month for 20 years at 5 percent interest and you'll have $102,758. Increase the rate of return to 8 percent and the total jumps to $147,255.
Financial Fitness
Before you start socking away money in an investment account do a fitness check on your finances. Your savings account should total from three to six months of living expenses before you start playing the stock market. It doesn't make sense to invest money until you've paid off your credit card balances. The average credit card interest rate on new credit cards as of June 8, 2012, is 14.9 percent according to FoxBusiness.com.
Risk Tolerance
Different types of investments have different levels of risk. A savings account has very little risk, but then the rate of return is low as well. Money markets are rather safe. Mutual funds spread the risk because a number of companies make up the mutual fund's portfolio. Investing in individual companies can pay off handsomely or help you lose money. If you get butterflies at the mere thought of losing any of your investment then consider a low risk investment strategy.
Goals
Determine your goals. Sit down with each other and your favorite beverage and hash out why you want to invest, how much you plan on investing each month and what you hope your investment portfolio will total at the end of one year, two years, five years and 10 years. Consider that as your life changes your goals may change. While your current goal may be to save enough for a down payment on a home, in 15 years you may be looking at funding your kids' college education.
Diversification
All your eggs in one basket is a bad investment strategy. In other words don't put all your money in tech stocks, gold or your cousin's Vinny's pizza parlor. Diversify your investment portfolio, so that if one investment tanks, the others won't be affected. That includes any investing in your employer's stock. If your employer goes bankrupt, not only have you lost your job, you've lost your investments. Consider liquidity as well as risk. Getting cash out of your money market takes place nearly instantaneously. Artwork, collectibles and antiques may take weeks to sell and depending on the market, may not yield as much as you hoped.
Time and Knowledge
Getting up to speed on what to invest in takes time and knowledge. If that doesn't appeal to either of you, consider a financial planner or adviser. Planners are paid on a commission based on what you invest in or a flat fee based on how much time he spends with you.
