Get Your Car Insured

I believe that buying automobile insurance is never a waste of money. In fact, it is a form of investment to protect your savings from depleting in the event of any unfortunate accidents on the road like car damage, etc. The insurance company will then have to foot the bill for you when your car is insured.

As for me I have bought an automobile insurance to insure my new car since 3 years ago. The process is simple. My dad just call up his church friend to come and collect the cheque and by the next day, I get my car insurance done already.

I can also buy automobile insurance through the web site which is slightly cheaper but this is so much faster and I don't have to pay for additional postage fees for the insurance to be delivered right to my house. Besides car insurance, I also buy living policy from Prudential and RM150 is deducted from my credit card monthly.

Been Paid Today

Today, as I check my email, I was happy to see money coming in from my online venture via my blogs. It was paid through Paypal in US20.00 dollars. The amount is not that much compared to the good old days in 2007, but to me, something is better than nothing at all. My efforts to maintain several blogs did not go to waste. And my hobby to blog also brings in cash at times like this. Today is a public holiday - Wesak Day and my youngest sister has gone to Ipoh and then to KL over the weekend with her 3 other friends.

Counting My Blessings

I thank for my blessings every day and never take my employment for granted even though I work from home. And I have been gainfully employed to work at a home office since February 2004 until now. As an aside, you might like to know about http://www.oxis.com which is engaged in the research, development and sale of products that counteract the harmful effects of “oxidative stress.” Their products include therapeutic nutraceutical products, cosmeceutical products and proprietary formulations and clinical products.

For more information, you can check out the links to Oxis on Twitter and also Oxis on facebook. I am also growing older but wiser each day when I start seeing more white hairs.

I guess my Heavenly Father has been merciful and gracious to me for this unmerited favor to get a dream job to work at home comfortable where the office is just to turn on the computer and log in to the internet downstairs and rest time is upstairs where I can turn on the air con and nap under my comforters.

Cannot Get a Job

My mother's church friend's son who studies in UK and graduated with a Master's degree could not pass any interview and has not been working since graduation. What a waste! He is about the same age as my youngest sister. I guess he is just not blessed to hold a job. Perhaps he has very high expectations and salary during the job interview that they could not afford him. Being the only son, his parents did not pressure him to take up lower paying job like working in Mac Donald's. I guess he is lucky that his parents love him regardless of the situation and still support him when they are still alive.

Domain Name Investing: The Easiest Way to Make Money Online?

Everyone seems to be looking for the easiest way to make money online. Sadly, despite the breathless sales pitches of the latest “guru” products, automated systems rarely work, and there is no way to make money while sitting on a tropical beach sipping a pina colada (unless you put in a lot of hard work first!).

With the “pushbutton” online money making scams crossed off the list, I like to focus instead on methods that are “easy” in the sense that they have a high likelihood of success. A good method for making money online should require you to master only one or two new skills. This makes success with blogging difficult for most people as standing out from the bloggerati crowd these days requires not only excellent writing ability, but design talent, salesmanship, and ideally a healthy appetite for community building. That’s a lot for one person to master!

Buy Gold Bullion

If I have the money, I will surely buy gold bullion as a form of investment to hedge against inflation which is at about 4% per year. Keeping money in the Fixed Deposits is not enough to counter inflation since the rate is only a meager 2.5%. Using the rule of 72, your money will decrease to half in 18 years using 4% rate by dividing 72 to 4. So, $1 million saved now will become $500,000 in 18 years time assuming the inflation rate is 4%. Hence buying gold and property at the right place and time will offset this reduction caused by inflation. You might also want to consider keeping blue chip stocks that pays good dividends every time consistently.

Not Everyone is Employable

I have seen with my own eyes many people keep job hopping and are not confirmed in their jobs. Hence, not everyone is employable. Some of these people may have team work problems or cannot get along with their superiors. These people range from sales supervisors to lawyers and engineers or just about any other professions. When you are no longer employable, you cannot maintain your job and therefore cannot bring food to the table. You will have to eventually depend on your family or friends to help support you month by month. For the lucky ones, they are employed by their relatives out of sympathy. This way, they are unlikely to be sacked and can continue to earn an income regardless of the amount they get.

Tomorrow is Pay Day

Tomorrow is pay day! Yipee! More money to my savings account and though it may not be much, a little at a time will build up to be a mountain. "Sedikit sedikit, lama lama jadi bukit" - there goes the Malay proverb. Money is a very sensitive issue to most people, even in churches like the one I attend. Instead of preaching more on grace and the goodness of God, they go back to the Old Testament and preach about law, obedience, works, etc. And the senior pastor keep harping on being RM6 million short to build the new church building. They already have RM4 million in their coffers already and the new building cost RM10M. I am just a small fry to make any significant contribution, but I hope some big developers like some of the church members will make up for the needed amount.