budget 2012

RM200+RM10+RM200+RM440+RM525+RM70...=R1445

okayla..unless my salary in tis year very useful for payment my yuran driving license. :) ALHAMDULILLAH..settle dh...tunggu yg 'P' ya jak gik.....lom confirm gik okay. Wish me good luck. ;D

Conquer my saving.

Your savings accounts are the foundation of your financial future. Say that out loud. LV Bootcamp is letting you in on a big secret: watching your money grow in a savings account isn’t magic—it’s just math! Do the math.

Learn:
There are three main types of saving accounts, including basic savings, CDs, and Money Market Accounts. In general, ignore the different names, they all help your money grow. Whichever you choose, you must look for:

•No monthly fees for having the account
•A low minimum balance (or none at all)
•FDIC insurance coverage
•The highest possible interest rate

Obviously, a high interest rate sounds like a good thing. To really grasp how your savings account grows your money, though, you have to understand APY and compounding interest.

APY (Annual Percentage Yield) is the yield (AKA, amount) your deposit will earn over the course of a year. The APY takes compounding into account.

Compounding is interest you’re earning on the interest your investment has already earned. When the gains you make on your investment start to earn money and those returns start to earn money, and so on, your money grows exponentially.

Savings were calculated assuming regular monthly deposits earning an 5% return, compounded monthly. Source: Bankrate - Simple Savings Calculator

Figure out the current status of your savings. Do you have one or more savings accounts? What kind of savings accounts are they (CDs, Money Market Accounts, etc.)? How much interest are they earning? Know exactly how much you have in savings to date. Action Time: 5 minutes Make sure that your savings account offers the above four things. Make “no fees, high interest!” your new mantra. Action Time: 2 minutes Ensure that you have a savings account that only you control. If you don’t, open one now! It’s important to have an account that isn’t tied to your parents, your boyfriend, your husband, or anyone else, so that you have a safety net all to yourself. If you don’t have a good savings account or a savings account all to yourself, open one now. NOW! Simply pick your bank of choice from the LearnVest Approved Accounts (We’ve vetted the accounts that meet the above criteria). For step-by-step help on opening an account, see the LearnVest checklist, “I Need a Savings Account,” we’ll hold your hand! Action Time: 13 minutes

Happy Mother's day comin soon..

Mum I’m grown up now
It’s a brand new day
I’d like to put a smile on your face every day
Mum I’m grown up now
And it’s not too late
I’d like to put a smile on your face every day

bout Beach boys drama...

lately...my fav drama..wtching time on9..huhu.,Beach Boys.. :)

Takashi Sorimachi n Yutaka Takenouchi.

owh..my fav song ost drama nie...h0ho..suma nice..

sing a love song for me. :)



now we're here together..

forever your love... :)

mean a long distance for me..

Distance doesnt ruin a relationship, doubts do...

it's so true...but girls..Don’t think too much. coz you probably will create a problem that wasn’t even there in the first place :)

in fact.....Distance is a test of love. many will fail for those who can't withstand it. But,for those who can,there's only one answer.... 


TRUE LOVE

aiyerrr..pandai jiwang mode indah tonite..sole2 mena..hahaha..

owh2..wanna share d other one of pic.. :)

tata~