Points to Ponder Before Retiring

01.  RETIREMENT GOAL SETTING

02.  know your net worth value

03.  BUDGETING AND COMMITMENTS

04.  clear or reduce your debts

05.  REVIEW YOUR HEALTHCARE AND 

       LIFE INSURANCE OR FAMILY

       TAKAFUL

06.  asset preservation for sustainability

07.  CREATE OR UPDATE YOUR 

       ESTATE PLANNING

08.  use your EPF, gratuity or pension 

       wisely

09.  ESTABLISH PASSIVE INCOME

10.  fail to plan, plan to fail for retirement

..... A retirement plan should be done earlier for a comfortable retirement. Investment portfolios should be frequently reviewed to identify and rectify any forthcoming shortfalls. Planning your retirement is not just about accumulating wealth and having substantial net worth. It is also about how you can gain the best from it, inspire others and live your life to the fullest.

Source : Calibre / Public Mutual

a simple way to reduce stress

• gardening helps to relieve stress and "attention fatigue"
• gardeners are more likely than non-gardeners to report being "happy" and satisfied with their lives
• many gardeners start out gardening because they want to sample some homegrown food but end up sticking with gardening because of how it feeds their mind and soul

Source : Calibre / Public Mutual 

8 QUICK TIPS : HOW TO BE HAPPY IN THE NEXT 30 MINUTES

1. GET UP AND GET MOVING
2. get outdoors
3. REACH OUT TO OTHERS
4. complete a task you've been avoiding
5. ORGANIZE AND DE-CLUTTER
6. do a good deed
7. SMILE
8. learn something new

Source : Calibre / Public Mutual 

Muhasabah diri .........

AL-FATIHAH