Saturday, November 26, 2016

Do you have enough savings for your retirement needs?

  1. The average lifespan of Malaysians is 75 years. This means you need savings to sustain yourself for at least 20 years.
  2. Each senior citizen (who retires at 55 years old) needs RM228,000).
  3. 65% of EPF members - at age 54 - have savings of less than RM50,000.
  4. That would be RM950 a month for expenses till you are 75 to finance your basic retirement needs.
  5. With the effect of compounding, you will be surprised at what you can save in the long run.
  6. The earlier you start saving, the more money you accumulate when you retire.
  7. The amount needed for retirement depends on your needs and requirements, health condition and lifestyle.
  8. With an average of life expectancy of 75 years, the Malaysian population is expected to experience health problems in the last eight to 10 years of their lives.
  9. Have more than one source of income so that you will not depend on your EPF savings alone to support you through your retirement years.

Source : EPF / STAR

Friday, November 25, 2016

Difficulties In Life? *Watch This* ᴴᴰ | Mufti Menk

Praise your wife | Funny | Sh. Mufti Ismail Menk

Tips 2 : Hapuskan Fobia Berucap

  • Fobia berucap termasuk perasaan gemuruh adalah perkara biasa yang dialami oleh sesiapa sahaja.
  • Buat persediaan awal secukupnya dari aspek isi kandungan atau bahan pengucapan.
  • Jalinkan interaksi awal dengan audiens sebelum bermula majlis (jika berpeluang berbuat demikian).
  • Kawal pernafasan anda. Amalkan pernafasan menerusi hidung kerana isipadu udara yang disedut akan lebih teratur dan menepati keperluan oksigen dalam tubuh.
  • Bina saranan kendiri bahawa anda mampu berucap dengan baik.
  • Buat tinjauan awal terhadap tempat berucap, audiens dan isi ucapan anda.
  • Praktikkan teknik visualisasi dengan membayangkan kejayaan pengucapan anda. Lakukan berulang-ulang kali untuk mengekalkannya di minda bawah sedar.
  • Perasaan gemuruh tidak akan diketahui oleh sesiapa pun. Dalam kata lain, anda tidak perlu risau langsung bahawa audiens dapat menghidu rasa gementar anda.
  • Tukarkan pemikiran negatif kepada positif. Lakukan berulang-ulang untuk mengekalkannya di minda bawah sedar.
  • Berucaplah kerana Allah bukan kerana manusia. Fokus kepada manfaat yang bakal diperolehi audiens daripada ucapan anda.
  • Amalkan teknik 'paksa diri' kerana fobia berucap hanya boleh diatasi dengan terus mencuba untuk berucap.

Sumber : 10 Tips Mudah Berucap Di Khalayak Ramai / Mohamad Azrin Bin Hassan
                 / Asa Mesra Printer