How I Earn My Money

Applied EPF

noreply@blogger.com (Jamais) — Wed, 29 Jun 2011 07:09:00 +0000

I applied EPF(Employees Provident Fund) before I was 18 years old. Perhaps not all of the workers will take note of this but this matter is really important.

EPF Official Website

Benefits to EPF Members

As a member of the EPF, I stand to gain more than just an assured savings that will be available to me upon my retirement.

Dividend
My contributions kept in the EPF will accumulate and draw dividends every year. Thus, my savings will increase from year to year until I retire and withdraw all my savings.

Tax Incentive
My share of contributions to the EPF is tax deductible up to RM6,000 (inclusive of life insurance premiums). In addition, the savings that I withdraw under the various withdrawal schemes are also exempted from income tax.

Retirement Benefit
My EPF savings are meant for my retirement. When I contribute 11 percent of my monthly pay to the EPF, my employer will contribute (at least) another 12 percent to my EPF savings. If I do not contribute, i do not get that additional retirement benefit provided by my employer.

Death And Incapacitation Benefits
As an organisation that looks after the interests of Members after their retirement, EPF also provides compensations should certain unfortunate events befall onto its Members. In this regard, the EPF provides Incapacitation Benefit to the member and Death Benefit payable to the member's dependent.

These benefits are additional payments for Incapacitation Withdrawal and Death Withdrawal as a compassionate gesture. The payments are made using EPF's own income, and are not part of Member's savings:

Incapacitation Benefit

An amount of RM5,000 is payable to me if I am eligible to withdraw all my savings on being incapacitated. The payment will be made to me after I have received the payment for withdrawal of my savings.

Death Benefit

This benefit amounting up to RM2,500 is payable to my dependent in the event of my death. This benefit will be paid to my dependent, subject to consideration by EPF.

EPF Wiki Page

Online Money Making

noreply@blogger.com (Jamais) — Wed, 29 Jun 2011 06:37:00 +0000

Online money making is getting common in the worldwide. Many people earn money at home. To be an efficient online money maker you must stay smart. Not everyone is able to perform well in online money making. Hmm...It most probably depends on luck. Once you are lucky enough you earn a lot!

Don't Give Them Money

Nowadays a lot of websites offer people methods to get easy income. However most of them in the first place will ask for your money. It would be something like "No Money No Memberships". This is what we called CHEATS!!! Please don't even go for it! Don't be stupid! Think properly before you make any decisions. Make sure your decision is wise enough otherwise don't ever do that! Don't give them money no matter what they promise you. No such silly business before you earn you have to give! It's totally nonsense!

Free Then You Go

Yes for your information there is really got free memberships for certain websites. Once it free then you go for it! However please make sure that you do not provide any information regarding your credit card or ATM card. Otherwise your money may being stolen and then you will lose anything that you are owned right now! Please be careful and take note!

Online Surveys

Online surveys require little effort and time put you in direct correlation with the amount of money you make. You may get paid $ 30-80 per survey. A typical survey takes about 15 minutes of time and pays about $ 3 Hmm ... This may seem little but if you sit watching television surveys completed, while you would not do anything else that money could actually increase. For example, fills in three studies, each paying $ 3 a day, and it is $ 3 x 3 x 365 = $ 3,285. You can go to a pleasant holiday with the money you make online.

Internet Marketing

Internet marketing is the most profitable way to make money online but this is free to focus on creating and promoting websites. While no experience is required, it will take time and get a little start-up costs of marketing. You can try to create websites and get paid for advertising space on your sites. This is something that if you spend enough time and effort, you can quit your job and become a full-time marketer. To get to this point you have to do much research, but eventually managed to see six-digit income from 10 to 20 hours per week.

Making Money Online By Blogging

To make money online, blogging is a middle ground between the most fun ways to make money online while having the ability to make a good income if you do it right. Blogging is the continuous process of short articles to your subscribers on the specific site called "Web Log", abbreviated blog. Making money online can be fun when you are a blogger, because you prefer to write about, that you enjoy and are knowledgeable in blogs are very popular marketing to expand your empire.

Enjoy What You Do

The most important part of making money online is to enjoy what you do, so it becomes a hobby that makes money instead post. I recommend you start by taking some free surveys and eventually work your way up in blogs or large-scale Internet marketing. There are a lot of money to be online to surprise your preconceptions and give it a shot!

Make money online!

Every Little Makes A Mickle

noreply@blogger.com (Jamais) — Tue, 28 Jun 2011 05:46:00 +0000

Yes I am not yet earned a lot like millions, billions or trillions. I looked for money like an ordinary person. I worked. However I believed that every little makes a mickle. That's me.

So "What The Hell"

After I finished my SPM (Sijil Peperiksaan Malaysia) 2008 examination, I had my very first job. I worked as a coordinator in the customer service department of a shopping centre. There was special computer system provided for the customer redemption program. Well that was pretty cool. Luckily I am a fast learner so I played it smoothly. Anyway I met some ridiculous cases while I was working. Customers tended to shout at you like mad while they didn't get their problems solved immediately. Moreover I had to go up and down to get the signatures and stamps. To get their redemption done, those requirement must be fulfilled. Frankly it was just so "what the hell"! I learned a lot of things although the salary was very low indeed. However it ended up in only 1 month time.

Freaking Fun And Exciting

Okay then I worked as a cashier in a computer shop. Hmmm...I had a wonderful time there. First time I went for a trip with collegues but not family and friends. It was freaking fun and exciting. In spite of that I attended the company's annual dinner as an official staff. Yea it was so unbelievable. I won a Microsoft bag which worthed more than hundred ringgit in the lucky draw event. My big boss enjoyed himself to bully me but my small boss kept me like his daughter. I played around with all those collegues while I was working at the same time. I learned a lot from my boss and some of my collegues. They gave me hints and advices in order to let me have a better life. They changed me into a better person. I spent 5 months plus working there. It was just so unforgetable and meaningful.

Money Is Not Everything

After that I got back to the secondary school to start my STPM (Sijil Tinggi Peperiksaan Malaysia) studies. Oh well I studied freaking hard and took a lot of tuitions like crazy. Finally the result was out and it's not so bad. After a short rest I worked as a waitress in a steamboat shop for few days. Oh my god this is the worst job I ever had. I kept all those plates and cleaned the table within a few minutes. Customers kept coming and won't wait for me there. But the paid is not high enough for such energy consuming job. So I left the shop as soon as possible because I knew that I will die for nothing after long term suffering. No matter what the boss offered me I rejected politely. Money is not everything yet for young ones. Health is far more important than wealth. Every little makes a mickle. No worries for not earning a lot instantly.

Work, Work, And Work

Then I worked for my elder cousin in a trading company. Once I entered the wholesale market, it was all about work, work and work. I took good care of all those new stocks. I took all of them from boxes, differentiated them accordingly, tagged them with stickers and placed them neatly. At times I went to shops to handle customers. My main targets were all those foreigners. Luckily I could communicate well in different languages. It was a great advantage for me. The job was damn tiring however the paid was good enough. However my cousin obsessed to smoke and he kept smoking in his office. Although he stopped to smoke after he realised that I couldn't take it but I decided to quit anyway.

What A Tough Decision

So I shifted to a Singapore telecomunication company and worked as an operator. Oh well I had been trained for 1 month and I only worked for another 1 month and then I quited. Why was it so? This was because those singaporeans made me extremely sick. My life sucked just because I had to talk to them everyday. They thought that they were very high class people so they were kings and queens. After training session I had shifts to follow and I had to work till middle of night at times. My parents were unhappy about this. They advised me to change to a new job. I thought for quite a long time and still not able to decide. What a tough decision! Until I stressed up totally and finally I made up my mind to write official resign letter and said bye.

They Were Just Jealous

Never mind it's okay because at the same time I worked for a adverstising company as a sampling promoter. I loved this job so much because the salary they offered me was very impressive. I just need to work every Saturdays and Sundays. The job suited me very well. I disliked to stay at a same place all the time. Oh my god it would be so lame and meaningless. I travelled to different shopping malls to promote different products. However I met a lot of ridiculous collegues. Oh no they should be called "aunties". These aunties were from different companies but unfortunately we worked in same shop. They played those dirty tricks and spreaded rumours to finish off people. It's just a very small matter anyway. I had no needs to bother all these funny fella right? And yet they were just jealous. I just wanted to get myself paid for my hardwork, that's all.

That's Enough

Afterwards I took one more job. I worked as typist in an international insurance company. My job was clearing all those backlogs. Again I saw those unpleasant faces but this was the reality of life. I choked or slapped them to death also useless what. So why not I just ignore those ugly looks and leave them alone? There were some kind people too. I appreciated their existance very much. Once backlogs cleared I was being kicked out of the door. This job ended in one and half months. For very first time I was being fired. I got such "memorable" offical letter for once and didn't wish to get another one for my entire life. That's enough for me to get a lesson. Never become a temporary staff unless you accept the truth to be fired soon.


Make money by remembering "every little makes a mickle"