Thursday, May 8, 2014

Financial Intelligence for You and Your Kids



Luck? Maybe….but it is partly due to Financial Intelligence.

You may be the smartest in your class but the average student who has a better financial knowledge will be richer than you when you compete in the real world out there.


Read On

Financial Education & Knowledge Never Thought in Schools


Our school system does a good job in teaching us math, writing and reading, but they do awful preparing people to work with money. Most people who graduate in the school system are financially uneducated. If you have plenty, should have a high level of financial The good news is that you can learn financial education. It takes effort, much study, and controlled testing of trial and error. But the result is worth the effort.

1. The Difference Between Assets & Liabilities
Many people assume that know what an asset is.

For example: you probably think your house is an asset but it is not. Actually there are basically two definitions for an asset. A definition used by some accountants, which requires a lot of understanding complex accounting terms. Then uses this definition produces financial statements of individuals or companies that reflect something better than it actually is. 

Instead, the rich use another definition much more practical and simple. 

"Assets are things that put money in your pocket and 
Liabilities are things that take money out of your pocket."

10 Simple Saving Money Lessons for Kids



Good financial habits should begin encouraged from age, so that kids get used to manage their money properly.

These financial foundations will help them maintain a good relationship with your wallet as they grow up.

Once you’ve decided to talk with your kids about personal finance questions immediately arise:


How should I do? And where do I start?
1.               You have to teach them the difference between needs and wants, and establish boundaries between what we really need and what they want to buy.
2.               You know the value and the price of things. For example, in the supermarket is appropriate to give examples and purchase prices and margins savings to buy a product.
3.               If you usually give your children money weekly share with them ideas to learn how to save it and manage it.

Monday, December 17, 2012

House for Rent - Bandar Botanic (Kiara Precint)

HOUSE FOR RENT
2-STOREY HOUSE IN BANDAR BOTANIC


Living Hall
Monthly Rental : RM 1,500.00
Bedrooms / Bathrooms : 4 /3

5 minutes walk to lake & playgrounds
2 minutes to AEON Jusco
10 minutes to Tesco & Giant Hypermarkets

 = = Not Available Now = = 
 

View from Dining Area
Living Hall furnished with: 
Lights & Remote Controlled Ceiling Fan
Astro Cables & Outdoor Dish
Curtain Rails

View from Kitchen
Dining Area

Stairways
Kitchen
Kitchen furnished with: 
Cooking Stove & Kitchen Hood
Buil
t-In Cabinets with Dish Drying Racks

Study Room with attached Bathroom (View 1)

Study Room with attached Bathroom (View 2)

View of Attached Bathroom from Kitchen

Master Bedroom

Master Bedroom furnished with: 
Air-Con & Remote Controlled Ceiling Fan
Buil
t-In Wardrobes
Curtain Railings
Bathroom with Water Heater 



Bathroom Attached to Master Bedroom (View 1)

Bathroom Attached to Master Bedroom (View 2)

Wardrobe

Bedroom 1
Bedroom 1 furnished with: 
Air-Con & Remote Controlled Ceiling Fan 
Wardrobe & Curtain Railings
Attached Bathroom with Water Heater 
Wardrobe in Berdroom 1

Bedroom 2

View from Bedroom 2
  Monthly Rental : RM 1,500.00
Bedrooms / Bathrooms : 4 /3












 = = Not Available Now = = 

Friday, March 9, 2012

How to Encourage Your Children to Read


When is the perfect time to start your children to get into a habit of reading? The answer – there is no perfect time for this. Start as early as possible. Babies may not be able to speak, but by reading to them - the action has been "stored" into their mind as a fun activity.

I remembered that reading was always one of the hobbies for many children years ago. However, the reading culture is slowly dying with the existence of televisions and computers, also known as the Idiot Boxes. Children need to be encouraged and motivated to get into the reading habit.

Here are some ways to boost your child's interest in reading:

Set Examples
Children treat their parents as role models. If you wish to imbibe a certain habit in your child, the most practical way to achieve this goal is to inculcate the habit within yourself. If you project on your child that reading is one of your favorite and most fun activities, then your child is likely to try it out on his own. This might take some time but it works.

Books as Special Presents
Presenting a good informative book to your child on a special occasion will generate excitement and curiosity in your child's mind, If your child absolutely despises reading, then pick a book on the subject that he loves the most. For instance, if your child loves baseball, then you can present him with a book about cartoons that he watches on television, or sports that he enjoys.

Get Ideas from Books to Start a Hobby
Books are an excellent way to help children develop their interest in a new extracurricular activity such as gardening. Get together with your little one and try out some great gardening tips from a self-help gardening book. Ask for your children's help every now and then, encouraging them to come up with their own ideas based on what they have read in a particular book.


Bedtime Stories
This is my all-time favourite. I love reading before going to sleep. And when I became a parent, I started reading to my children during bedtime. Reading out bedtime stories has been a major part of a parent-child relationship. Rekindle this activity by reading together with your children.

This activity will drive away any intimidating fears or repulsion from reading activities that your child might have picked up at school over the recent years.

Book Club / Story Reading
Encourage your child to join a book club. Or take them to story reading time which are usually organized by bookstores or libraries. Interacting with other children and sharing their reading interests will boost your children's social skills, confidence, and encourage him to make new friends. You can enlist your child in a school-based book club or perhaps, join other parents and put up an online bookclub.

Online Reading Classes
If you want someone to focus on your child's reading habits, then hire an online reading tutor who can read with and help your child to develop good reading skills. Getting an online tutor is advisable to busy moms who want to supervise their child's learning, as an online tutor can accommodate to your tight schedule. You are also assured that your child has a safe and comfortable learning environment, as the tutoring can be done in your own home, as long as you have an internet connection.

Cultivate the reading habit into your children. 

"BOOKS, ARE THE CHILDREN OF THE BRAIN"

Monday, September 12, 2011

Be The Best Neighbour in Your Neighbourhood




Being on bad terms with your neighbours can make your life frustrating, day after day. On the other hand, taking time to establish good terms with them has numerous benefits.


For example you may have heard complaints about noisy neighbours in the past, but how many of us are guilty of the same?

If you have lived in an apartment, dorm room or terraced house, chances are we have "disturbed" our neighbours at some point in time. So what can you do to be a good neighbour?

Why not start by abiding to a few simple house rules like not talking on the stairwell, taking your shoes off at the door, setting your washing machine to start in the morning before going to work, and shutting your front door quietly if it is early in the morning or late at night.

Solutions for Short Term Memory Problems

If there is something you do routinely, write down that routine. It could be as basic as the order in which you prefer to get ready for work or school in the morning, or it could be as intricate as the procedure for getting a part of your job done.

If you have ever arrived at the bottom of the stairs not knowing why you went down at all, you have a short term memory problem. Whether your short-term memory problems are due to medical problems or simple absent-mindedness, there are strategies to cope.

1. Pay Attention.
Many short-term memory problems can be attributed not so much to the ability of the brain, but the ability of the person to focus on a single task. If you have already forgotten the name of the nice gentleman who was just introduced to you five minutes ago, it might not be only a memory problem.

Were you really listening when you were introduced, or were you thinking ahead to what to say next?

Make a conscious, active effort to pay attention whenever you know you are likely to forget something.