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To talk health, happiness, and prosperity to every person I meet.
To make all my friends feel that there is something worthwhile in them.
To look at the sunny side of everything and make my optimism come true.
To think only of the best, to work only for the best and to expect only the best.
To be just as enthusiastic about the success of others as I am about my own.
To forget the mistakes of the past and press on to the greater achievements of the future.
To wear a cheerful expression at all times and give a smile to every living creature I meet.
To give so much time to improving myself that I have no time to criticize others.
To be too large for worry, too noble for anger, too strong for fear, and too happy to permit the presence of trouble.
To think well of myself and to proclaim this fact to the world, not in loud words, but in great deeds.
To live in the faith that the whole world is on my side, so long as I am true to the best that is in me.
We were greeted with failures on the way,disheartened at
times,some were the brink giving up,but the thing that kept we going on,was the killer in instinct to succeed.We were all highly
motivated people,with a commitment to excellence and an
obsessive drive to win.
A journey of thousand miles starts with a single step.
Without pain,there cannot be a gain.Success does not come before work,except in dictionaries!Destiny is what you make
of it,and you become what u think you are.So,get going,success is yours,you will soon see the light at the end of the tunnel...
Reach for the moon,even if you miss,you will still be among the stars!
i promise myself...
To be so strong that nothing can disturb my peace of mind.To talk health, happiness, and prosperity to every person I meet.
To make all my friends feel that there is something worthwhile in them.
To look at the sunny side of everything and make my optimism come true.
To think only of the best, to work only for the best and to expect only the best.
To be just as enthusiastic about the success of others as I am about my own.
To forget the mistakes of the past and press on to the greater achievements of the future.
To wear a cheerful expression at all times and give a smile to every living creature I meet.
To give so much time to improving myself that I have no time to criticize others.
To be too large for worry, too noble for anger, too strong for fear, and too happy to permit the presence of trouble.
To think well of myself and to proclaim this fact to the world, not in loud words, but in great deeds.
To live in the faith that the whole world is on my side, so long as I am true to the best that is in me.
CAN YOU RETIRE...WITH PEACE OF MIND....???
.people are living longer-life expectancy for women is 76 years and men 72
.they are marrying and having children later.at retirement age, the children are still in school or university.
.70% of retirees use up all their epf money within three years after retiring.
LIVING COSTS AND INFLATION
.inflation is 6% in urban areas
.3 meals a day at rm20 now may cost rm64 in 20 years
.rm500'000 in your epf or bank account at retirement may have the purchasing power of rm145'053 in 20 years
.medical inflation is 15% each years
CASE STUDY
.if a family in Kuala Lumpur with two kids and two cars needs rm5000 today , at retirement, expenses should go down to rm3500 or 70% of one's current lifestyle.one would need rm747,000 if one were to live for 25 years, but the average contributor has only rm106,000 in his epf account when he retires.
CAN YOU RETIRE...WITH PEACE OF MIND....???
.they are marrying and having children later.at retirement age, the children are still in school or university.
.70% of retirees use up all their epf money within three years after retiring.
LIVING COSTS AND INFLATION
.inflation is 6% in urban areas
.3 meals a day at rm20 now may cost rm64 in 20 years
.rm500'000 in your epf or bank account at retirement may have the purchasing power of rm145'053 in 20 years
.medical inflation is 15% each years
CASE STUDY
.if a family in Kuala Lumpur with two kids and two cars needs rm5000 today , at retirement, expenses should go down to rm3500 or 70% of one's current lifestyle.one would need rm747,000 if one were to live for 25 years, but the average contributor has only rm106,000 in his epf account when he retires.
CAN YOU RETIRE...WITH PEACE OF MIND....???
We were greeted with failures on the way,disheartened at
times,some were the brink giving up,but the thing that kept we going on,was the killer in instinct to succeed.We were all highly
motivated people,with a commitment to excellence and an
obsessive drive to win.
A journey of thousand miles starts with a single step.
Without pain,there cannot be a gain.Success does not come before work,except in dictionaries!Destiny is what you make
of it,and you become what u think you are.So,get going,success is yours,you will soon see the light at the end of the tunnel...
Reach for the moon,even if you miss,you will still be among the stars!