Salam Ramadhan 1435H / 2014

Malam ni jangan lupa berniat...

Dan juga..bangun sahur ye :)

Sabda Rasulullah saw bermaksud:

”Bersahurlah kamu kerana pada sahur itu ada keberkatan”

(Riwayat Bukhari)

Assalamualaikum...

RETIREMENT - why do we need to worry?

Salam...

Something to share with you... semoga menjadi pembuka mata dan minda kita :)

Not Saving Enough & Spending Savings Early

There are 46% of Malaysians say they have saved for retirement, but they

have accumulated only very small amount.

We recommend that individuals save 11% - 15% of income over an

entire working career, If you start later, that is going to be higher.

Spending Savings Early

Retirement fund is not compulsory and many of them

forgo the long-term advantages for short-term

gains. Most of the individuals tend to face self-control

problem and thus, cash out their retirement savings in

advance and either spent the money or used it to pay

down debt. At times, they essentially delay joining the

retirement funds because they want to spend the money

now.

Rising Cost of Living

Saving for retirement is often put on hold as a lot of individuals

struggle to pay for current expenses. Day-to-day cost of living is a

major reason they do not contribute (or contribute more) to their

retirement plan. In fact, putting off saving for retirement will make

the problem of financing retirement even worse.

Too much debt

It’s extremely difficult to save for the future when an individual is still

striving to pay off past costs, especially for those who indicate their

current level of debt is higher than it was 5 years ago.

No Emergency Fund

An emergency fund is an important tool that allows you to avoid

dipping into your retirement saving for a sudden expense.

However, there is only a minority who is able to come up with an extra

amount of money if an unexpected need arose within the next month.

Don’t Know How Much To Save

Most individuals set lofty retirement savings goals for themselves. To

achieve a financially secure retirement, many of them would need to

save between 20% - 30% of their income or more! However, when

asked for the value they would need to retire well, many of them may

have not tried to do a systematic retirement needs calculation.

The fact is, by doing the calculation, it may definitely help to increase

an individual’s savings rate.

Unpredictable Health Care Costs

There is a great number of individuals doubt their ability to afford

retirement medical expenses and especially long-term care costs.

Some individuals may be waking up to the realization of just how much

money is needed to secure a comfortable retirement instead of including

the retirement healthcare costs.

False Expectations

Many people aspect they will be able to spend less money in retirement

than they do now. But not everyone is able to cut costs, and one may

encounter new expenses in retirement which make him or her

experiences an increase in spending.

Unexpected Retirement

Delaying retirement gives you more time to save and reduces the

number of years your savings needs to last. But few retirees actually

manage to delay retirement. Individuals should plan for the fact that

they won’t be able to work in retirement. However, there is a great

number of retirees often say they retired unexpectedly, often due to

health problems or disabilities, a downsizing or business

closure, or having to care for a spouse or other family member.

Source: The Star Online & US News.com

Enquiries?

hanitahamzah@gmail.com

012-4700240 / 012-6768747

Club Med Cherating

I was here... 26-28 May. 

Tapi bukan holiday, pegi on biz trip.

Dalam 3 hari tu, ni je gambar yang sempat di ambil.  

Haha, sedap giler kopok lekor... 

Kesimpulan nya, tempat ni memang best, tapi meaningless if pergi sebab kerja. 

Anyway, tq to my company for the opportunity. 

Dapat jugak merasa jejak kaki ke Club Med. 

Nak pergi sendiri cost per person je dah ribu ribu, so memang takkan lah..

Ta... :D

Sunday-story

Cerita semalam..

Pagi pagi dah keluar ke Subang Parade.

Me and my 4 kids jer coz mr Hubby tak dapat join. Bizi dah dia semenjak dua menjak ni. Alhamdulillah rezeki tu :)

Ingat nak tengok movie tapi takde cerita yang menarik @ sesuai untuk kanak kanak.

Last last lepak kejap kat McDonald, pastu balik rumah.

Hanna pun elok je sampai Subang Parade tu terus dia start pening dan nak muntah. Mild food poisoning kot.

So memang takleh lama pun kat luar.

Dah sampai rumah, mula lah akal panjang. Gian nak membaking. Padahal weekend lepas pun dah bake dah.

So, ni lah hasil kerja me and daughters semalam.

At the end, we did spent quality time together .. :D

Kehebatan Premium Beautiful di bulan Puasa

Salam...

Tinggal sebulan lebih je kita nak melangkah masuk ke bulan Ramadhan al Mubarak.

Macam macam jenis persediaan kita nak buat dan dah buat. Sekarang kita dah mula buat checklist kan. Persediaan dari segi qadha puasa dan habis ke belum, persediaan tempah Baju raya (tailor dah tutup tempahan dah pun by now ;p) , bersedia dengan 30-days menu untuk sahur dan iftar untuk keluarga, supaya tak lah pening hari hari balik kerja nak kena fikir apa nak masak. 

Satu lagi bentuk persediaan yang mungkin ramai yang terlepas pandang. Rugi tak ambil kesempatan ni tau. I've gone thru the superb experience during last year ramadhan and I want to share with you so that kita sama sama dapat kebaikan nya.

I started to wear Premium Beautiful last year, seminggu sebelum start bulan puasa. Ok for the first week, honest to say, memang rasa kurang selesa pakai PB tu. Rasa ketat lah, susah nak bernafas lah, pening, rasa loya kadang kadang pun ada jugak. Tapi sebab dah ada ilmu pasal produk ni sebelum mula pakai, I continued wearing it. Semua rasa kurang selesa ni hanya sementara saja, 1-2 weeks, dan ianya disebabkan penyesuaian PB dan keadaan dalaman badan kita. This situation is called 'healing crisis'. Tempoh penyesuaian ni simptom nya berbeza pada setiap orang. Depend samada kita banyak internal health problem atau sikit. But don't worry, after 2 weeks the most, kita akan rasa tiba tiba sedap dan selesanya pakai PB ni. Sampai kan bila tak pakai tu rasa macam something missing pulak :).

So, masuk bulan puasa, I was wearing my Premium Beautiful. Sangat amazing! Setiap hari, dari pagi sampai petang badan rasa bertenaga macam bukan tengah puasa je. Haus tu biasa lah kan. Tapi tak letih, lesu dan lembik yang keterlaluan macam yang selalu kita rasa especially bila dah masuk pukul 4pm ke atas. Seriously! Rasa seronok sangat, malam nak bertarawih pun still rasa cergas. 

Itu benefit dari segi tenaga.

Benefit dari segi slimming dan shaping pulak, itu dah semestinya lah. Dah Premium Beautiful ni kan antara fungsi utama dia for slimming dan shaping. Far-Infra-Red dalam Premium Beautiful ni membakar lemak dan menukarkannya jadi tenaga. Maksudnya, lemak akan semakin berkurangan. Dan shape dan struktur korset Premium Beautiful tu pulak akan membantu badan kita dalam proses reshaping. So previously if ada parts yang dah macam lari sikit 'alignment', progressively akan terbentuk semula. 

By the end of Ramadhan, you will be surprised and super happy with the result. Memang terasa puas dan berbaloi sangat investment kecil yang dibuat. Premium Beautiful helps to restore our health and beauty, in fact ada yang lepas pakai Premium Beautiful ni consistently, shape dia dah mengalahkan time anak dara :D 

Tak lama, sebulan je untuk nampak result yang ketara.

Ambil kesempatan di bulan puasa ni untuk alami sendiri 'the accelerated process of slimming and shaping' , besides feeling extra energetic. 

I'm very sure especially mothers will really appreciate these experience sebab kita yang dah jadi ibu ni, kena kuatkan diri untuk jaga keluarga. 

So if we can apply 1 method that will give us the 3 benefit, WHY NOT KAN!!

  

Hubungi saya segera!

Hanita

012-4700240 (sms/whatsapp/wechat)

hanitahamzah@gmail.com (email)

Method of payment:

CASH (special price!)

Instalment with zero interest (normal price, limited set)

AEON Easy payment from RM 85 monthly

My favourite drink..

Wanna guess?

Mesti lah coffee..  >__< 

Actually I have more than 8 reasons why I love coffee..

Tapi perlu ke nak justify kenapa suka kopi? Takyah kot..

I love coffee. Coffee make me feel alive. Simply love the taste. Loving the smell even more.

Once in a while i will try out new coffee drinks yang bermacam macam jenis kat Coffee Bean la, Starbucks la, etc etc.

But the one that I really fell in love.. The one and only MINERAL COFFEE..

Wajib ada ready stocks kat rumah dan juga kat ofis. 

Sedap, ada khasiat garam buluh, instant energy, cepat hilang ngantuk, handy dan senang bawa ke mana mana, senang bancuh tak payah tambah gula dan susu lagi. 

Especially I travel outstation a lot nowadays, Mineral Coffee memang tak tinggal. 

Can't live without it...

:D

I'm back!

Assalamualaikum beloved reader and friend ... :)

How's it going? 

Lama betul rasanya tak datang sini.

Semenjak dua menjak bertukar kerja, dah lebih kerap kena outstation. 

Masa ada di rumah dah jadi sangat limited, jadi terpaksa ikut priority list. 

Cerita pun mostly pasal kerja ja. Dah kat ofis sibuk buat kerja takkan la nak blog pasal kerja jugak. Pengsan camni, 24 hours topic kerja je dalam kepala heheh..

Kisah minggu lepas, weols satu family pergi Melaka. 

Ikut hubby, ada kerja kat sana. 

Dah ada hotel accomodation free, apatah lagi kena time weekend, so weols pun follow lah instead of kena tinggal kat rumah. 

Short trip Sabtu Ahad, tak banyak tempat yang dapat pergi pun. 

Sekejap je dah time nak checkout hotel. 

Tapi not bad lah,  consider a short vacation for family. 

For me, dapat lupa sikit kesibukan dan ke'stress'an kerja.

Anak anak pun dapat enjoy kat dalam bilik hotel (tv ada 2 pulak tu, layan jerr), mandi swimming pool, enjoy buffet food, quick tour around bandar Melaka (walaupun just sightseeing dari dalam kereta je). 

Cuma tak sempat nak buat pitstop bawak kids tengok tempat tempat bersejarah.

Makanya... haruslah ada repeat visit ke sini :D

Managed to snap some pics, pakai I fon jer. 
Cita2 nak beli dslr bila ada duit lebih >__<


Coconut Shake kat Pantai Klebang.

Our acomodation.

Buat macam rumah sendiri je. Bersepah! 

Hubby attending company Dinner

Me tumpang sekaki ikut gi Dinner jugak :)

Breakfast and Mandi time

Sekitar Banda Hilir