Planning for our Retirement

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When we retire, hopefully our retirement years will be golden and not woeful having to beg from children or worse still, beg in the streets. We will have abundance with more than enough to last a lifetime and with some leftover for our next-of-kin. Therefore, the important question is this: Are you planning to retire soon?

According to StatisticsBrain, only 18% of American adults are confident they will have enough money to retire. In 2013, an estimated 24% of working American adults postponed their retirement. This means that many will not have the luxury to retire at the appointed age, but have to continue working way into their twilight years. The key here is to be prepared and not be caught off guard in planning for your retirement.

You can check out Top 10 Ways to Prepare for Retirement for more articles and also Plan for your Retirement.

As for me, I will have many more fruitful years of working productively in a home office before I call it a day and retire down the road. This is when I can look back and be satisfied that I have planned early for my retirement and started saving up as much as I can for a life of peace, quiet and abundance. Your retirement has to be planned early and not do it at the last minute.

If you have children, then good for you! They could be an asset provided they contribute financially for your upkeep and take care of you in return. However, most parents won't burden their children with monthly allowance to be given to them and rather strike it out on their own. They will continue to work hard as long as they are able to keep up with the pace and momentum.

More Opportunities

Today I have 4 more opportunities to blog for revenue. Now busy with blogging and writing as I take up those opps. You have to be really diligent and determine to see through that the opportunities are taken up and work at them for your monthly income. Google loves fresh content and will rank any page or website higher if they are frequently updated with new unique content. Earning money is never easy peasy, otherwise everyone on the streets will be carrying a genuine Prada handbag and have lots of money in their bank accounts. You have to plan and work at it day by day and look for opportunities as they come. You can milk the internet and use it as your cash cow.

Cavalier King Charles Spaniel

I love pets, especially small dogs like pomeranians, dachshund, poodles, chihuahua, and the like. Small toy dogs are easy to keep and they make good pets. I used to spend eons of time at my aunt's house and playing with her 2 dogs. She has a big garden for the dogs to run around and exercise their limbs.

Don't you just love Cavalier King Charles Spaniel puppies at Cavoodle Puppies for Sale? The ubiquitous brown and white fur of these dogs are so fluffy and they are adorable looking pets. Makes a good companion for a lonely soul or singles with busy lives. It helps to de-stress when one keeps a close pet for comfort and as a companion. As I am born in the year of the dog, hence, I love all things related to dogs.

On the other hand, if you need home loans, just check out Home Loans Christchurch. For the record, I just got my home loan approved last month after 1+ months of waiting and frequent correspondences with the banks. Nowadays, it is very difficult to get a home loan and banks are much stricter at this period due to defaulting, bad loans and bankruptcy cases which are on the rise.



I almost gave up applying for a home loan when I found out that it was so difficult locally here, but persisted as I just refused to put all my money in the bank for low fixed deposit interests rates. Hence, to hedge against inflation, I decided to buy a property for rental income later on and also for investment. The condo should be ready by 2018 and by then I will own 2 properties close by.

If you love to travel just like me, you can also check out Holiday Homes Auckland. By end of this year in December, I will be traveling to Europe during winter with my youngest sister and meet up with second sister before touring 7 nations by coach, namely United Kingdom, France, Belgium, Switzerland, Austria and Italy.

Most probably will spend Christmas in Vatican city and have lunch there. This is the most expensive tour package that I have booked and just hope it justifies my expenditure. I really hope to have a good time there, visiting places of interests. Also, it might be the last time I spend trips overseas with my sisters as I have to save up some money for my rental property, to be completed in a couple of years later. This is the motivation of working hard for my money, offering virtual assistance on the sideline besides a full time income as an IT executive in a home office.

I also travel frequently in my job, shuttling between Penang and Kuala Lumpur by car with my colleague. Hence, it is better not to have children for the freedom to do the things that I love. In the meantime, you can also browse high view apartments in New Zealand.

Going to KL

I shall be going to KL this Wednesday for business again. Will follow my colleague who will drive down for the journey. It will most probably be at night when the weather is not too hot unlike the afternoon sun with sweltering heat during the day. I love to have the opportunity to work at home with CPF and SOCSO benefits. My boss is nice most of the time, working hard and helming the company to support so many people, including his relatives, family and workers. It is not easy to find another person like him, who is selfless, generous and think of others first.

Everyone has to Work

Yes, work cannot fill the void – which can only be replaced by Jesus. But all of us need to work to support ourselves. Many people are unable to work or maintain their jobs, having to job hop from one place to another. This does not auger well for the future. Many women have to depend on their husbands for financial support and cannot work themselves, with no qualifications. Unless, of course their take up job as a McDonald’s service crew at $5 per hour. But how many are will to slave so much for such little income, unless you are a student and not a tai tai, traveling overseas all the time and spending other people’s money?

Withdraw over $400 from my Paypal

I got paid in Euro 100.00 to my paypal for a German client for work done last month. This is more than RM400 in my local currency and I promptly withdrew the amount yesterday to my Public bank. Since August 2006, I have earned RM 45,500 for blogging and virtual assistance work to date. And this is done on a part time basis. This averages to RM 542 per month earning money in my own capacity. Much better than working in retail where the hours a long and boring with a meager income. I hope to save enough for my retirement down the road as I don't have pension like dad or allowances from children like mum.

Flying Down with Air Asia

I will be flying down with Air Asia to Johor Bahru for an interview for a sports court project with IJM. The cost of airfare is RM706.00 for 2 persons on board with air port tax and choosing of seats. Then we will rent a car for RM 165 from Hertz which has already been booked earlier. The plane departs at 7:15am in the morning, arriving at 8:25am and on the same day depart at 5:30pm, arriving in Penang 1 hour 15 minutes later. After the interview, I hope to visit Johor Premium Outlets selling well known brands for the retail at 25% to 65% discount. In my line of work, frequent travelling is required to accompany my colleague who helms the small business.