The Worst Things That Can Happen After Retirement
This content might offend those with an un-open mind, please make sure u are 18 above! and mind the language coz it’s Nizam post.
1. NOT ENOUGH MONEY
Bayangkan u dah 55 yrs old. U dah pencen. U dah kerja keras selama 30 tahun. Skarang u nak rilek. U dah fedap tgk ofis u, u dah fedap tgk muka bos u, u dah fedap tgk ofis boy hantar kertas bertimbun kat meja u. Skarang u nak enjoy life, berkebun, main ngan cucu dll.Lepas ofis mates buat farewell party for u, u dah officially resign sumer…. u pegila KWSP nak bawak kuar duit EPF. U tgk dlm akaun ade RM200,000. “Wow! Banyaknyer duit”, kata u.
Itu pon dah kira bagus.Latest stats indicate that the average amount yg ade dlm EPF org M’sia at retirement age is around RM114,000. Only 4,700/11,000,000 pencarum EPF ade total accumulation of over RM1 million.Ok, skarang jom kiter buat matematik skit. Average lifespan skarang abt 70yrs. So kiter nak bertahan from 55 to 70 is 15 yrs. Maknanyee, duit RM200,000 kiter tuh kene bertahan 15thn.
RM200,000/15 tahun/12 bulan = RM1111.11
Katakanlah kiter amik RM200,000 tuh letak kat ASB teros, hoping dpt annual dividend+bonus 8% a year ( i doubt 15 years along the road boley bertahan 8%).So kalau kira pakai ASB calculator, boleyla gagah buat withdrawal RM2,000 sbln. Not bad kan?
KAMON LAH WEI!! realistik skit. Jgn menipu. Duit bonus RM5,000 dpt bulan Jun, Bulan Julai dah abih belanja. Bonus RM10,000 dpt bulan Disember, bulan Januari dah burn. Betol ka tarak betol ka?
Penah ke u jumpe org dpt duit bonus, bahagi 12, gune sama rata sepanjang tahun? HELL NO!!
Even though u seorang yg cermat, able to plan ur spending, jgn lupa org lain di keliling u. Sebelum kiter cash out KWSP, anak kiter dah tau dah baper byk kiter dpt. Pastu, startlah….manja-manja.
69% retirees deplete thier EPF within first 3 years of retirement….. Most finish EPF within 10 years. (source:The Star- June 18, 2007)
Selalunya yg menghabiskan duit tuh bukan pesara tuh sendiri, but the ppl around them. ~~anak-anak/laki/bini.Cth: anak kantoi belajar, nak buat downpayment kereta@rumah/ nak beli iphone/ nak pegi slimming centre.. dll. Hmmmm…scary kan? so, what to do? I nih bukan lah seorang pakar kewangan/ekonomi/finance lagi, tapi setakat apa ilmu yg ada di dada nih, ada 2 solution.
1-Pertama, bukak multiple retirement funds. save money urself sementara muda ni. tak kisahla ASB ke, Tabung Haji ke, unit trust ke, insurance/takaful ke…lagi byk lagi bagos.
2-Kedua, learn abt investment vehicles that can generate steady and regular cashflow, plan thoroughly and execute.
2. NO HEALTH COVERAGE
Answer me this. Manusia lagi senang jatuh sakit masa muda ke masa tua? Huh?…yup….ok…
So why doesn’t anybody think its funny that the companies that you work for, only provide health coverage when ur young and productive and forget u ever existed once u retire?
retirement calculator
too early to think abt retirement? think again. we work hard for what then? mestilah pikir utk anak-anak kan…tapi on top of that, utk hari tua betul tak. we buy properties-rumah, rumah sewa, unit trusts, insurance policy, semua tu actually persediaan utk hari when we can finally lay back & rest after work hard our whole ‘zaman muda’!
well, no harm to try this out. how much you actually need when you are abt to retire. at least boleh la start pikir-pikir dari sekarang camna nak make money, then how to make the money work for you.(this part you can ask a financial planner – saya la tu, insya allah 2 3 yrs lagi) how to know what’s your number / how much money you need for retiring accordingly to your dreamsss…
1. bukak website whatsyournumber
2. click on Interactive Retirement Activities -> Retirement Calculator
3. try put on numbers which u might spend during that age, then next, and next, and next! remember that our inflation is between 3-4% now, so 20 yrs from now is likely 6-7%.
YEY!~ there is your number. My Retirement Number is RM7,506,860. huhuhuhu.
now, barulah boleh pikir, mana nak carik 7Million. betul tak? see, bila buat ni baru lah tahu that i need 7Million in order to retire as I wish.
dont worry, I still have 28yrs to gambaru accumulate 7M. wohoo~~
what’s your number?
pics lama-lama
this past few weeks, jumpa balik kawan lama from CBN, and mrsm. natsukashi~~
and tonite, i’m in the state of emosional, looking back to those time. some memories are still vividly playing in my mind, others samar-samar, but the emotion is still there.
besnya zaman sekolah.dulu masa kat sekolah, nak cepat-cepat besar. nak cepat kerja so boleh ada duit sendiri. haa~~
Tapi, we still can keep in touch with friends through friendster, facebook or wateva. but how about our Japanese friends?? ohoo~~ never thought i’m gonna miss them, but i do now! huwaaaaa~~mana lah aku nak cari deorang ni?? dah lah terhilang the phone numbers, minah-minah jepun ni pulak tak IT sungguh, tak de email add, lagikla friendster.
gambar lama2 pon taktau letak mana. if not boleh post here, mana tahu those yg kat okayama tu boleh tolong cari kan kan?
rindunyaaaaaaaaa kat okayamaaa!! kalau ada duit, malam ni gak naik flight pegi balik kat skolah, mintak no telefon Yama-san kat Nara Sensei!
ara~~kan aku boleh cari email add sensei kat okayama uni website? uhuuuuuu~~
saja nak letak balik gambar lama-lama. natsukashi ne~~
[youtube=http://www.youtube.com/watch?v=Bj_QZ-Giudw&rel=1]
p/s: tried to find pics of aida, norat, chein, isma & ain together masa ryoko..nai na. sapa ada pass sini ok.
semuanya baru…
susah nak update ne, saikin . gomenne minna~actuaalllly (gaya hitz), seminggu dua ni bisnes berjalan lancar. we have er, er..let me count jap, 1..2….14 cases closed. means, we bring in 14 new business. alhamdulillah. murah rezeki kami bulan ni. berkat doa semua, toche toche~~!
new cases means rezeki for us, but it means a lot more to the client. They have the peace of mind. hope we could help more people, and before it is too late. we have client who already had a few penyakit, ada yg dah teruk dan yg masih ok to be accepted by underwriter (orang yg tentukan boleh tak client be insured or not).
tapi tu lah masalahnya kan, ramai yg sedar to have policy AFTER deorang sakit, masa sihat ni tak rasa perlu lagi. the thing is, insurance company will ONLY insured those who are healthy…..
so work work work , apa latest update eh? hmmm…..cant think of any other than work. arghh~~
oh ada, semalam sempat gak gi shopping beli new pants, baju…bag for nizam..banyak gak aaa seminggu dua ni asik shoping jer. sebenarnya nak beli bag for laptop je, sekali..haa~~amik kau. teroverrr budget plak. hehehe.
mana boleh beli for haceben je, bini nak gak!! but if beli for wife, not necessarily beli for him ! hehe. bijak bijakkk (kan?) the last time kat MNG macam tu gak, i promise to only look for my sister’s birthday present. Mana boleh, rugi tu beli satu, alang-alang tambah la satu lagi for me. hehehehe.
ala, guys if pakai baju yg sama je asik dok ulang, korang perasan ke? tak kan. TAPI pompuan kalau asik dok pakai baju sama je…….haaa…jaga-jaga. ramai yg dok kutuk kat belakang, cakap kedekut , asik dok pakai baju sama je. at least aku rasa kalau kerja kat kilang cam tu lah, zura kan? tempat lain tatau la..camtu gak ke?
can’t wait
~~eh why nobody posted up your birthday. aiyo~~ letak aja la deyy!~~
anyone came accross the news in Star that Prudential give away the BlackBerry to their 1500 agents?
yahoo..can’t wait to get it, BlackBerry Curve 8310.not mine, nizam punya. tapi kompem la jadi harta gue juga kan kan. gempak woo, terus boleh buat quotation thru BlackBerry. and etc etc yg aku pon tatau apa kemendanya.
tapi mana aci, takkan aku nak terus pakai handphone yg murah & cikai ni? (bini memang akan selalu tak puas hati hubby dia lebih kan? heh. perempuan)
maka, aku telah mendemand Motorola Kyu-Kyu-Ech (Q9H). tu sebutan ala-ala jepun.
huhu~~~bila nak dapat entah. kat kl pon belom start jual.takpe, cita-cita mesti ada!
GO KL GO!!
p/s : Go KL Go adalah motto group kami nak capai target tahun ni.
bz weekend, and triple celebration
hari ahad, ada event back to back. pagi start at 9 ada ‘Family Day’ agency LT1. then kol 12 kena pegi Majlis Merisik my cousin.will upload the pic, lama nye tak letak gambar, almaklum kureng self esteem skit sebab dah tembam hehehe. dun mind dun mind =)
oh, lepas habis smua tu nak pegi MNG plak belikan hadiah birthday my sis. arini birthday najmi, esok birthday nonoe. tapi untuk budak laki takyah kasik hadiah, kan kan? :p
i was so bz i missed my besfren aida’s birthday. sori aida, masa tu naf kat janda baik dakke? nak carik hadiah aida skali la…..
to my other friends,please let me know your birthday (post it as comment pls), now that i have decent organizer i wanted to keep track on the birthdays so i wont missed any, again!
money money money (no hanashi)
what are days for?
everyone of us, we face new challenge everyday. we might think the challenge came to us is small, as in routine, but others take it as a serious matter. setengah perasan they are facing a new challenge, others might just think of it as part of the life.
ambik satu contoh, on payday and a week after payday, we spent the money, pay off debts, bagi mak, belanja adik, have a luxury dinner feeding the greedy us.we are happy in those days when the account figures is still 4 digits. but when it comes to hujung bulan, we come accross a bit of challenging situation , macam kena tahan air liur lalu kat food area the curve where got Marche, sushi, Big apple donuts etc. but then as this things happen occasionally, we get used to it.
So for certain people, they got too used of it, they dont mind living the days as the month before, and before. No need to rush changing the life. They believe the life will be change naturally. but, truly, will they change without we putting effort to change it?
I have the same situation, since i’ve been start working. The-not-enough-money state of mind happens every month, and i hate it. so i just keep quite when people asked me why do i quit working, and joined insurance. They will never understand me. Mungkin sebab deorang tak pernah alami susah hati rasa gusar cukup ke tak duit till hujung bulan ni.
some are lucky enough to marry a wealthy man, or in rich family. it is their faith, but not mine.I just have to work it of my own way, and I know i am in right path. paling menyenangkan hati, i dont mind keluar rumah pukul 9 pagi, pastu balik pukul 9 coz this is my own business. this is my dreams.
now dont get me wrong ok, i dont say working cant give you peace of mind,just make sure u love the job lah~
orang melayu kita…
semalam (ahad), prudential opened a booth at the Curve. actually we have booths all over malaysia on the same time for new promotion what’s your number?
the product is still not officially launch yet, so takleh la cerita panjang .
apaaaaa yang sama mahu share ialah : my observation masa opened booth were,
(1) orang melayu kita susah sangat nak berenti (bukan semua) kasik cooperation for survey. it is just a survery goddammit , siap kitaorang kasik free gift 2 in 1 pen (pen & highlighter). siap ada luckly draw lagik! siap ada free hot drinks of milo/nescafe/nestea..boleh duduk kat sofa minum2 , merehatkan kaki yang lenguh berjalan-jalan.
aiyoo~~on the other hand, chinese rajin (ada gak yg mcm melayu) kasik cooperation.
one touching moment that changed our perception towards them was
agent : ” hai sir, do you have 1 min for survery?”
customer: ” oh 1 min only? ok sure, no problem!”
wahh~~sangat kandou. if korang on our situation yesterday, those words really touched the heart, i could cry! huhuhuhu
lagi satu, sumhow i have a feeling that, if sesama melayu yg tegur, deorg malaaass nak layan, but if chinese yg tegur, biasanya deorg kasik muka lagi laa…i think laa
(2) the name of any insurance company will scare people to death. “oh, prudential aaa, takyah laaa~~” “oh insurance aa? no need laa..” “oh i dah ada insurans….”
kadang2 tu baru je tengok muka, eye to eye contact, belum bukak mulut lagi, deorg dah lari jauh2. hahahaa. siot jer.
on the other hand aku perasan, kalau booth credit card, senang gila, takyah approach susah2 biasanya orang akan pergi sendri. kalau booth jual tongkat ali lagi la..mmg kompem ramai gila orang beli. hehehehe
(3) I am not talented in approaching people face-to-face. cold calls are easier! =)
p/s: to zaza, i saw your sis there. if i didnt know you have a sister, i would taught it was you! lebih kurang sebijik jugak laa….. =)
