Child Money Management

Keyword:
Debt, Debt Management, bankruptcy, credit card debt, financial planner,budgetting, credit counselling, money management, children money management

Nowaday we can notice that pretty of youngsters trapped into debt and subsequently end with bankruptcy especially in credit card debt or loansharp loan. Thus, child money management is vital to enable this younggeneration to get rid from debt. This is the question of the month fromPersonal Money. "What is the most important money management lesson youwould tell your children".

As a parent, firstly I think responsible to educate our generation in value ofmoney is important. We need to tell them the hardship money we earn and secondly,Show good example in spending while shopping period. List the items we wanted for daily use and allow them to choice for us. Open saving accout for our child isfirst step to enable them to appreciate the money we give to them. Encourage our baby to save even 10 cents per day because end of the day. They will accumatedwealth for them. Joint-venture investment. Guild them in investment where they areable to see the return of the investment such as property.

New Bike

Last week, Danish's mum asked me that since raya is around the corner. Can we use danish raya money for his new "bike". In fact, we have been conducted a survey for our first baby "bike" since few months ago.

Initially, I am worried about Danish safety. He just learn walking after he celebrated his 1st year birthday on september. However, this boy have a good attitude in learning progress. His mum told me that Danish trained himself daily from the time he wake up until he tired. Really "hardworking" my boy. Due to his good attitude and brave in trying new environment, thus we as a parent should reward him.

"ho...le..., I have new bike"

Danish is riding his new "bike" and you can see him so happy.

This naughy guy show his bike to his mum


"wow....I can't come down...help....mummy....help"

I want to come down

Monitor market Engine

Keyword : Money market, money market rates, money market accounts, money market account, money market funds, money market fund, forex markat, investing, finance

Past two days, I found above share market monitoring engine where this tool helps us to monitor our share. What we need to do is enter the share you have purchased. In this program we need to enter a few data such as purchase date, price of the share when we purchased and the quantity of share. The powerful program also able to give alert to you when we are going to sell the share with percentage earn such as L&G share I bought where I earned 150% from the actual price. This software is created by The Star. What we need to do is just register and it will inform the registration by email. Easy and simple. I can say that this is a powerful share market program I even seen. Please kindly visit this website http://biz.thestar.com.my/?status=0 to learn more regarding the program. It really assist share market investor.

Website Value Calculator

Today I found this above website http://www.cwire.org/website-value-calculator/. By enter your website, this tool able to tell you the potential of income, traffic and important how to improve your website income. let me try first before I can tell more regarding the website.

Thesis

One of my Australia’s friend is seeking an idea for his thesis. What is thesis? Thesis is an idea from a university student after study for the whole course. Normally, thesis carried out on the final year of the course. After we have learned the theory and practical during the course and we considered as a ‘master’ for a particular subject unless you are no doing well in the course.

Mentor

In the course, you have studied many subjects. Thus, you need to select a subject that you interested. After that, you need a lecture or mentor to guide you during the thesis. My advice is choice a person that he or she can support you if you face problem during the thesis. Bear in mind that you need to present the thesis and panel will ‘shoot’ you. So, ensure you have somebody that can protect you while you do the presentation. If the lecture you selected has a few students under him, you had better look for other lecture because I can tell you; he will have enough time for you.


Real project

Thesis usually is idea from a university student either you do in degree, master or Phd. Before you are able to get you certificate, university need to test you whether this student are able to face the real world. So, the best solution to get an idea for thesis is look for real project in outside of campus. I can say that there are many problems facing in outside there.


Timing

Please remember that data is vital in thesis project. Ensure that you have data before you propose the topic. Timing is important. If you fail in data collection then you have to postpone your thesis. Think twice before you propose the thesis topic.


Contribution

Please bear in mind that the thesis written by you will be recognized by University and if the idea is fantastic. University wills automatic offered you to continue your study until Phd because university needs contribution from knowledgeable student. Your website proposal was rejected maybe due to too general. “contribution” is main keyword in thesis.

Metronicity.blogspot.com

This is Les Miserable where I found her on couple weeks ago. She is sexy and intelligent. Recently she wrote a article regarding Wanna Poll Position on Google? . It is an interesting topic.

Here's a list of some article directories -
http://www.goarticles.com
http://www.ezinearticles.com
http://www.articlecity.com/
http://www.certificate.net/wwio/
http://www.amazines.com/
http://www.articledashboard.com/
http://www.article-rectory.net/
http://www.submityourarticle.com/articles/
http://www.magportal.com/
http://www.isnare.com/
http://pubs.acs.org/hotartcl/

Happy Birthday

Last weekend, my naughty danish had been celebrated his 1 year birthday. His grandmum had been organised a family dinner to celebrate his first grandson birthday. " Happy birthday to you, danish".

"Good taste......"

"Let me cut the cake for your all................."

"Wah.....big cake..I want to eat"

"Happy birthday to you....happy birthday to you....happy birthday to danish".

"See here.....danish...." all the family member call him but he just ignored.

Danish's autie prepared a "big" cake for him.

Google Keyword metric tools

Today I found above website http://www.welcometowallyworld.com and it talk regarding keyword. It is free and very useful tool for blogger want to earn income through adsense program. Please kindly click this website http://www.technobloggie.com/keyword-tool/keyword-report.php to find out more regarding keyword.

Vision

“Plan, plan, plan” This is the question usually posted by my General Manager when I was a junior Planter in estate. He used to tell us this phrase “No vision, no commitment then no success”. Everybody wants to become a millionaire but no just dream it. Money would not drop from sky without the plan. Let me tell you how I plan to become millionaire.

Treat your career as your business where it can generate a monthly income to you. We need to work hard to earn “hard income”, thus well planning in monthly expense is vital before we further discussion to become a Millionaire. Keep the extra income for investment where it can generate passive income. This passive income can be in many forms such as invest in property, bond, and share. Lastly, my advice to become a millionaire is set the vision in your mind and commit to it.

How do you plan to become a millionair?

Dear my blog friends,

Are you enjoy writing? If yes, you are offered to write above title in less than 100 words. You will be given a cuopon cost about RM200 to get a blanded cloth. Is it simple? React fast and submit your short article to this email polls@bizedge.com before 14 September 2007.

Please kindly type “Question of the month” in the subject header and before you ended your article, please included you full name, address, contract number and pseudonym.

Thank you.

Education VS Talent

When a person frustrated, his mindset also will be interupted. As my blog friend "Mcbudu" mentioned in his post recently.

Poor is the phrase that most people try to avoid especially in Malaysia. Nobody want to be in this category . Malaysia is going to celebrate it’s 50 years anniversary Independant day. But there are still many poor people around the country. Why this situation can be occured? Malaysia is a well developed country where free from war as happened in most of the nations.

Yesterday I read a article from a magazine regarding the PHD programme. Nowadays, employer seeks for high education background for promotion or holding high position in the company. Nowadays, master degree is a common certificate and there is no value for a diploma holder.

We can not deny that education is important but when come to a real work. We need experience and skill worker to carry out the duty. Theory and practical should be balanced out to ensure the work are able to run smoothly.

As a employer, training programme is vital to all the employees. A company can not growth if we work alone. Similar to our fingers, can we use one finger to type? The answer is yes but slow. Why we do not fully utilise the ten fingers as given by Him. Talent labour is an asset to a company. Instead of using 2 “un-skilled” workers to carry out a job, I prefer using a talent labour to work for me. Understand the work and function is important. Time is money, this phrase should always bear in mind. Cheap thing always give bad result.

Annual appraisal come to the picture. As an employer, we need to justify the quality of worker before any increment is given. We can not simply cease any person from develop himself because when one day he realise that he has been foolished or being used without appreciate him. Then he will be ignored and hurt. This incident happenned to one of my labour.

Internet secret

For those Malaysian interest in internet bussiness, please kindly visit http://www.rahsiainternet.org/blog/. I think this guy is a great person and we should take a view in this blog to see how he make huge amount from adsense.

Enjoy writing and earn income through Helium

http://www.helium.com is a place for those enjoy writing and want to earn extra income. Have a nice day.

Marriage anniversary

Travelling is a normal routine work for a Land Surveyor. Today is middle of August 2007. For the past 2 weeks,I was fully occupied with work programme. My wife also start complaining that I always work on Saturday. What I can do. This is no due to customer request but pressure from Land Surveyor Department and Land Office. Last Monday,I was called to Land Office in Jasin, Melaka because of backlog work. Luckily, I have managed to submit the work on May 2007 and their data no update yet.

Yesterday was the second years anniversary of my marriage. Early in the morning after I reach my office, my handphone's reminder alerted me to wish my lovely wife and cause her prepared a great dinner for me. Thank you mummy. I felt thatI am a happy man in this world even full with job pressure and when I look at my family (my wife and Danish). They are able to "refresh" my mind. Yesterday night while Danish slept, we were discussed about this naughty boy. I told his mum :" Look,next time do not look for "nasty" man as husband then you will get this kind of "nasty" boy-Danish".

My wife told me that she did not like "good" man and she felt that "bad" man are more agreative and blave. I do not know whyshe selected me. I am a "good" man...........ok....continue later...have to solve the problematic software first. Happy anniversary my great mum.

Fear

I could not sleep well for the past few days because this “thing” has been disturbing my mind and subsequently to my work. It create an unhappinesss to my living style. It is an sensitive issue especially when we talk about religion. I think blog is the best way to express my problem and hopefully somebody can give me some guildline.

No doubt that believe to God is important because human is a created by Him. “We need to obey Him and love Him before He can able to love us” where my boss used to mention this sentences very regularly when he talk to me.

There are many religions in this world such as Islam, Buddha, christian, Hindu, and etc. All the religion has only one direction. Pray and obey to Him.

I really do not understand why people want to force or influence other people to believe one religion. We can not say Islam or Christian is a bad religion because religion never ask His follower to say like that.

Forcing people to get into a religion. What you can earn? If we do not like the religion, there is no point that particular person in that religion. Believe in God or religion is no a “Direct Selling” business. No people can give warrantly you can go to heaven if you are in that religion.

Please think....I do not hurt people because of religion matter and cause a break between the family. What is family? What is the meaning of happiness? Why we need to show off? Why we need to threated other? Look at ourselve. Are we perfect?

In a happiness family, we can have many religion such as Malaysia. There are many races such as Malay, chinese, india and etc and we still can live in peaceful. The secret is “respect people”.

I still remember my former Operation Director told me that “Lai, earn people respect before people respect you.”

Divided Stock

I reach home early after submitted the documents to Land Office. My wife told me that share market index has been toughing 1300 points as shown on TV. She asked me is it a good timing to enter this bull market?

I have been involved in Malaysia Share market since from year 2003 and I can not say I am expert in this field but here I would like to share some experience to my wife and those whom interested in share market.

I still remember in year 2003, the index during that period was around 600 points and market can be considered bear; no people did the trading due to scare. I was influent by my general manager and senior manager. They used to discuss share market while during quarterly visit and subsequently, I also “enter” the game. Initially, I start with small capital and invest some shares which have been discussed by my 2 bosses. I did not know whether there was rumor and tips. But I really made money from them. Perhaps I was luckily during that period. Money can be easily earned within 3-4 days and I gained a handsome income from share market even market was down.

Good time has their limit. Year 2005, I just realized that my entire shares are dropping and some even drop until 50% from the actual price. After that incident, I ceased for a while and monitor the market. I read a lot of financial books and magazines and hopefully, I can recover back. From the reading, I noticed that all the while, I am doing gambling and the term their used is trading. We can deny that share market is a place where trading is occurred daily and share market similar in a huge ocean. Person like me is a “small” fish where easily can be eaten by giant fish. Greedy the main keyword if you want make money from share market. Avoid greedy behavior, set the percentage before you enter and more important when to “escape” from tsunami (market drop).

Education in financial is vital after that bad investment. I can conclude that whether the market is bullish or bearish, we also can benefit a handsome income with a condition-Plan. If you do not have plan, I personally advise that please do not follow this slogan “I jump, you jump”.

Even market is bull, I still prefer divided stock where this stock able to generate steady income to you without having heart attach (this is no a joking. It happens). Please do not fall in love with you stock and always in mind that stock is a leverage to generate income for you. Thus, before you able to invest for a stock, please investigate the company. You must know what the company background, their cash flow and account statements. Share market is a gambling game. You need to read a lot of financial books and magazine rather just heard from rumor if you really want in share market.

The reason I bought divided stock because I can sleep well without worry the price drop or increase. Ok…Below are some good divided companies.
Berjaya sports Toto
Public Bank
Maybank
Digi

As Warrent Buffatt mention in his book, you are buying business and no the share. Please bear in mind….my dear investor.

The Power of Words

This whole week I was in office for processing the survey data. Boss told me that he will do his retina operation on this Thursday but his sugar level in a bit high. Thus, I advised him to take a rest in house.

We still discussed some of the work progress before he took the rest. Suddenly, he mentioned about “The power of words”. He told me that we live in this world need a peace. If you are very rich but you do not have peace in mind. There is no meaning we as a human live in this world.

There is a slogan in Melaka recently. It sounds as this “My home, my paradise”.
This is a healthy slogan I even heard before. If you justified youself, you work hard from morning to everning. But when you step in the house, your wife start complaning this and that or your children fighting each other. Are you in the peace?

This is the message my boss pass to me. He told me that if you wife nag...nag...while you are sleeping. Can you fall in love with her again? Sure..no. I better look for other..(hahaaha..joking only). However, this is nitty-gritty. We form a family similar like a business. We as a husband need to work together with our wife. I really agree with him and if we do wrong. As a man, I think we should apology to her and subsequently this family will always in happiness.

However, the most vital message in that morning is “The power of word”. He quite concern about my danish health because this naughty boy quite often fewer and these fews days he also cough. He told me that as a father or a mother. We need to think before we talk to our baby especailly like danish. Baby like a “Scanner”, he observe what his mummy or pappy do and say. After that he will practise the same action. I agree with my boss. I realise that Danish observation is very sharp. Once we do something, he likes to follow. Thus, boss finalised the topic like this. If you told good word to your baby then hopefully one day he will be become a good man. If you always fight or nag among husband and wife then one day this baby also will follow this bad habit.

So, my dear blog friend........we should be gladful to god because He only give us a mouth for taking and eat. Are we fully understand the function of our mouth. I used to see parents quarrel and this form a bad impression to their children. This bad “seed” has been planted into their mind and during their growing duration. He maybe will be become a hot temper.

Back to slogan “My home, my paradise”. Are you home is a paradise? Please justified youself. Spend more time with your family and your work will be more effectiveness.
Let me tell you all when I reach in front of gate, my little danish know his papa is back and he will immediate go to the door for his papa hug. So, even though I am tired during the day but there is inner power to refresh me when I see this little raise his both hand for hug. So, form a health family rather than destroy it.
Thank you.

Land Surveyor Blog

Last week when I attemp to search my http://melakasurveyor.blogspot.com/ in yahoo search. I just realise that this blog is on the top of 297,000 from the search engine.....Wah...I never imaging my surveyor blog will be in the first.

This is great achievement since I invloved in blog world. Anyway, thank to all my friends whom used to visit my blog daily. I will work hard for it and share information to you all. Thank you for your support.

Sky Juice

Today if you ask for Sky Juice in Malaysia, you will easily be charged minimum 50 cents and some is worse will cost until 50 cents. A glass of pain water cost you 50 cents and I think you will prefer to other drink material even though cost more than one ringgit.

Recently, Malaysia government has been revised the government servant salary until 30% and subsequently, the businessman take this advantage to increase the price including the sky juice.

What is sky juice? This is no the water mineral and it is just boiled pipe water. How much a ton of gas? At the moment, the gas is around RM25 and the businessman can boil how many little of water by a ton of gas. But we as a consumer, is it faith to pay 50 cents per glass of water?

I do not know how about my blog oversee friends. Do you need to pay for sky juice over your country?

We need to voice out rather than just being take advantage by immoral businessman. Thus, I refer to eat in house rather than outside. First, I am able to have meal with my family. Secondly, the food cooked by my wife is 100% clean, fresh and important I able to add additional plate of rice…..because her food is delicious.

Similar to last Saturday, Andy and I stop at one of the shop for coconut drink. This businessman really slotted us. A glass of coconut cost RM1.00 and we are not able to taste even a small piece of coconut. So, do you think we will drop by in future?

Thus, a lot of businessmen fail to go further because of this small item. No because we stingy but is it worth for the price.

I fine....thank you

Danish is OK. Thank you for your concern.