Thursday 1 October 2015
HAPUSKAN SAWANG
Wednesday 30 April 2014
I love so much
Photograph
i willing to spend my money just to buy DSLR. i have a friend that also intersesting on this activities. We always outing together and snap a picture. I also sometimes join seminar on photography.
Jogging
jogging can save your body from getting serious sick.
twice a week i will jog around Sport Centre UUM.
ok..Thats all from me.
tq spend your day on reading my entry..
BYEEE..!!!!
Gateway To University.
Tuesday 29 April 2014
Program Translead Maklum
my group..(NAGA)
SELFIE WITH KM
i hope that our relationship will goes forever..
happy knowing you all..
How to manage your money wisely.
Your 20s
Develop your financial intelligence. Your 20s are the time to get your act together, says Hunt. Figure out where your money’s going, come up with a plan for spending and saving it, and regularly monitor your execution of that plan.
Start an emergency fund. Begin putting aside money in a risk-free savings account that you’ll be able to easily access in case something happens, such as a serious illness or job loss. Hunt suggests setting a goal of six months of living expenses.
Open a retirement savings account. Join your company’s 401k plan, and invest at least to the match, which is typically 3% of your income. Hunt also suggests opening and contributing to a Roth IRA. She advises starting by setting aside 5% of your annual income, which would be split between both accounts, and steadily raising the percentage with each salary increase you get.
In Your 30s
Fully fund your 401k and a Roth IRA. Now that your career’s on course, Hunt advises funding your retirement accounts to the maximum. Set up automatic deposits so you don’t have to think about it.
Buy a home. Since you’ve been saving through your 20s, you should be able to use some of that money for a solid down payment. However, Hunt recommends that you don’t buy the house you can afford, and instead she suggests purchasing a home about half that price. Then pay it down as quickly as possible, with a goal of owning it outright.
Don’t succumb to consumer debt. Your 30s are typically the time when you’re having children and settling into a home, which can mean a lot of spending and racking up debt. Beware of lifestyle creep, and stay focused on keeping your debts down.
Set a goal for college savings. If you want to contribute to your children’s college education, Hunt recommends beginning to save as soon as they’re born. She says a state-sponsored 529 plan is usually the best way to go.
In Your 40s
Make retirement savings your main goal. In this decade, even though your kids are nearing college age, Hunt warns against prioritizing saving for their education over your retirement goals.
Adjust college savings. Now’s the time to check tuition costs and make sure your savings are on track for your children’s college. You may need to adjust those savings or have a conversation with your kids about how much you can afford to help and which schools are realistic for them to attend, she says.
Invest in an index fund portfolio. If you have savings beyond what you need to cover emergencies, Hunt recommends you aggressively build an index fund portfolio at a company like Vanguard or Fidelity. She says your best bet is to set up an automatic purchase plan that steadily adds more shares to your account, and then forget about it.
Sunday 27 April 2014
My New Friend
she was born on 17th july 1993 at
hospital usm, kubang kerian, kota bharu, Kelantan,
She from Pengkalan Chepa, Kelantan but she lived in Terengganu.
She is doing bachelor of public management in
semester 2.
She had completed her STPM at SMK Tengku Ibarahim.
Coming to her family.
She has 8 members in her family.
Her father is a engineer and her mother is a
housewife.
She has 6 siblings. She has three sister and a two
brother and she is the fourth from them.
Now talking about her strength and weakness.
Myher strength is self motivated and she is a good listener.
Another more good qualities that she has a patient level.
Her weakness is that she believe people easily.
Coming to her hobbies.
She like sports, skatting, Listening music.
Coming to her goals.
Her short term goal is to be a excellent student
and make her parents proud of her.
Her long term goal to be a great muslim in the
world. Insyaallah.
that all about my new friend.
this is her Instagram anf Facebook.. all of you may follow her..
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