Smart Shopper?

Smart Shopper allowed us to have more saving while doing both offline and online purchase at selected merchants :)

By clicking the link above (CLICK at I want to be a Smart Shopper!), we can simply get both cash points & rewards points for every purchase we made! So we can save more for travel HURRAY ^_^

Simply use our IC/ MYKAD number as username & password while register for the first time and when we LOGIN via the apps! :)

We can track our points via MSS Discover apps (available at both Apple & Android) and there are lots of links inside the apps that we can explore.

Tuesday, February 2, 2016

Wealth Management: Way to Start

Assalamua'laikum wbt & Good Day,
It is good that today's youngsters have better financial insight as compared to previous generations. Most of them who are mostly Muslims have registered their account at Tabung Haji (TH), one of the boards in Malaysia that responsible in assisting the Muslim citizens to perform their pilgrimage. As of the date this post was drafted, the minimum amount that must be deposited into TH account is 1300 MYR in order to book our queue for pilgrimage with the most basic assistance.
However, there are many news keep on viral today whereby TH fund reserve bank is currently is at negative level. In a simple word, it indicates that TH might not be able to pay the dividends to millions of its depositors like previous years. However, there is still no concrete statement from any official parties who supposedly accountable to manage all the funds inside TH.
Sultan Omar Ali Saifuddin Mosque, Brunei Darussalam
Frankly speaking, I was deeply frustrated when I first read about this rumours. However, knowing that we cannot trust rumours so much although our instincts believe otherwise could be the best way to divert our attention in order to mitigate the risks associated with our savings.
On top of this, the government just release the new 2016's budget whereby the employees now have the options to either opt for 8% or 11% contribution to their Employee Provident Fund (EPF). I will not touch on these options as I believed that different people will definitely has different needs. But as for myself, I still stick to the current 11% deduction for the sake of tax benefits.
Sultan Omar Ali Saifuddin Mosque, Brunei Darussalam
Whenever any issues like these arise, having a solid financial planning is extremely important. Or else, we tend to base our judgment by following the majority preference without considering the pros and cons with our own current financial states and needs.
I would love to share the books that I have read in order to strengthen my basis while doing my own financial planning. My suggestions may not fit into everyone, but I believe you may consider to have these books in order to enrich your knowledge on financial planning.
1. The Millionaire in Me by Azizi Ali
This book teach us on way to manage our money but still become an employee.
2. Rich Dad Poor Dad by Robert T Kiyosaki
This book has opened my eyes that being highly educated in formal education system may not bring us to financial freedom; but financial knowledge do.
3. Cashflow Quadrants by Robert T Kiyosaki
This book told us about four types of individual based on the way they earn their money and ways to make money works for us instead of the other way around.
Brunei International Airport, Brunei Darussalam
4. Believe in Your Dreams and Grow Rich by George Leong
This book taught us a practical ways in managing our earnings or incomes and the necessity of having a good financial planning since early age.
And for Muslims, I would suggest you to read Mukmin Professional written by Ustaz Pahrol Mohd Juoi before you read any of books mentioned above in order to strengthen your basis on why we as a Muslim must strive to be the best in anything that we do, whereby in this case, it is by being a good rich Muslim.
Have a nice day :)

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