30 Pieces of Financial Knowledge That Women Should Know By 30

1. A woman can make it on her own financially, even if she doesn't have to.
   
2. You need to keep your finger on your finances, even if you have a significant other who handles them.
   
3. How you can deal with a personal financial crisis, like suddenly losing your job.
   
4. How to make a budget and how to stick to it.
   
5. How to set up an emergency fund and how to keep it full.
   
6. How to read a bank statement and how to complain when something on it is wrong.
   
7. How long it will take you to pay down any credit cards you have paying only the minimum balance.
   
8. How debt collection and bankruptcy work, even if you're in a good financial place
9. How to get your taxes done every year without going crazy.
   
10. How to establish credit in your own name, even if you also share credit cards with a spouse.
    
11. How much risk you're prepared to tolerate in terms of investments.
    
12. That you're going to need money for retirement at some point and you'll need strategies to save for it.
    
13. How you're going to make up for any time you spend out of the work force, at least in terms of retirement.
    
14. How much having a family costs, even if kids aren't in the cards.
    
15. What legal protections are
out there specifically for women, like whether your state has laws guaranteeing you maternity leave.
16. How to negotiate a raise, even if it feels like you shouldn't ask for more money.
    
17. How to leave a job you hate, preferably with another one lined up.
    
18. How to get a copy of your credit report and how to dispute incorrect information on it.
    
19. What cosigning a loan means - and when to refuse to do it.
    
20. How to recognize the signs of identity theft and how to address them.
    
21. What the pros and cons of owning a house versus renting an apartment.
    
22. What your parents' retirement plans are and whether you're going to need to help them.
    
23. Who is responsible for you and your finances if something makes you incapable of taking care of yourself.
24. How to reach a lawyer, an accountant and an insurance agent, even if you don't routinely need their help.
    
25. How to negotiate a big purchase (like a car or a house), even when the other side underestimates you.
    
26. How to sell something you don't need any longer
27. What it would take for you to start your own business, even if you're not ready to make the leap.
    
28. What your options for health insurance are and how to make the most of them, even when they're bad.
29. Where to get financial information and advice that you trust.
    
30. What your financial priorities are and what's the next step you need to take to reach them. 

p/s: so...please start saving now, after paying all the debts and place a bit sum of RM for shopping!

Antara KoLeJ YaYasaN SaaD & AsMa

Tetba ja memori kembali menggamit, ni semua pasai anak kpd cousin mat reza dpt sambung study form1 kat Kolej Yayasan Saad Melaka (KYSM)...hmmm...bila tgk gambaq2 dia pi U.S sbb masuk petandingan robotik kat sana, kira dia and few lg student wakil dr M'sia la...duh gempaqqq seh...and teselit jgk la rs seribu kekesalan sbb rejek offer KYSM dulu...

Meh nk story siket pasai skool neh...
Kolej Yayasan Saad Melaka (dikenali sebagai KYSM) ialah sebuah sekolah / kolej swasta berasrama penuh yang dibina di sebidang tanah perdana yang terletak di Ayer Keroh, Melaka. KYSM merupakan sebuah kolej yang diiktiraf dan diperakui dalam melahirkan generasi muda yang cemerlang, berilmu pengetahuan, dan berketrampilan. Harapan dibina setinggi-tingginya oleh tenaga pengajar KYSM untuk sentiasa melahirkan generasi muda yang hebat di masa yang akan datang.

Penubuhan...

Kolej Yayasan Saad was established in 1995 by Tan Sri Halim Saad, a successful entrepreneur. It began with his personal conviction to build a school to provide quality secondary education for the potentially quality Bumiputera students of diverse backgrounds.

Besides, the establishment of KYS is also a way for Tan Sri to pay tribute to his late father and a goodwill gesture for the government. With his personal revenues lay ready to hand, a 131 acres piece of land at Ayer Keroh, Melaka was purchased and developed to be what we see today, the KYS campus.

Pada tahun 1995, pembinaan kampus Kolej Yayasan Saad bermula di sebidang tanah perdana yang terletak di Ayer Keroh, Melaka. Upacara pecah tanah kompleks kolej tersebut telah dirasmikan oleh Timbalan Perdana Menteri Malaysia, Datuk Seri Anwar Ibrahim ketika itu pada 19 Januari 1995.
Pengarah Pusat Pendidikan Renong, Encik Rozalli Noordin, telah diberi amanah untuk melaksanakan tanggungjawabnya dalam memerhati dan mengawal proses pembinaan kampus kolej tersebut.

Pada pembukaan awalnya, pejabat pentadbiran KYSM telah dibina di Pusat Pendidikan Renong di Faber Towers, Jalan Kelang Lama, Kuala Lumpur. Pekerja perintis yang terdiri daripada 7 staf akademik dan 5 kakitangan pentadbiran kemudian dipindah di kampus KYSM di Ayer Keroh pada 2 Mei 1995 apabila pembinaan kompleks kolej tersebut siap sepenuhnya.
Pengambilan pertama terdiri daripada 60 pelajar tingkatan 1 (40 lelaki dan 20 perempuan) yang mendaftar di Kolej Yayasan Saad Melaka pada 25 Jun 1995.

tawaran...
hmm...bila tgk latar belakang crita KYSM neh, aku antara student pompuan yg dpt offer masuk kat sana...bila result UPSR keluaq tahun 1995, kira aku akan join KYSM form 1, batch 1996. Masa dpt offer pon, aku tak penah dgq nama skool ni, trus refer dgn pacik aku yg masa tu jd cikgu (da arwah dah lani)...


even dlm offer letter pon dah bgtau, memndangkan aku ni anak ibu tunggal dan skolah pon kira luaq bandaq (sk mergong), batch aku yang dpt straight A's dalm UPSR cuma 16 org kalo compare dgn skolah aku sebelom tu di Taman Uda, bepuluh student dpt 4A, so tak heran la kan...aku kira yg betuah dpt offer sbb skool fees di sponsor 100%...dgn kelas nya air-cond, dlm kelas limit student rs dlm 20 org saja...uniform pon cantek...facilities skool pon mcm2, dr swimming pool, tennis & badminton court, semuanya ada...tapi...lokasi nya? Di Ayer Keroh, Melaka....dan aku di Aloq Staq...tumpuan KYSM jgk bkn setakat akademik, tapi semua aspect, sport, debate & public speaking and so on...

total rejection
aku pon br 13 tahun, so mak aku tak lps aku pi sana, dia kataskolah mana pon sama, janji study betoi2...so masa tu aku tak bapa la kesah...cuma story2 lepas tu aku dpt agak bg aku kesai...most student yg dpt pi sana dpt futher study kt oversea...maybe rezeki aku tadak kot...


finally...

jadi, akhirnya offer Sultanah Asma lah yg jd pilihan...sbb di Aloq Staq...dan lani skolah ni pon dh taraf elit...nk masuk form 1 pon ada minggu student baru, seminggu kena stay di hostel dan dijaga oleh kakak2 senior yg mostly nya prefect...nk penentuan kelas pon kna amek test...fuh...aku pon dh tak hengat result nya tapi aku manage masuk kelas yg ke-3 (kelas Negeri)...cuma bila skolah ni, fokus nya 100% akademic, and aku mmg tak minat sports...hehe...

HappY 57th Birthday, MaMa!

Your mother bore you For 9 months ,
She watched her feet Swell, she struggled to Climb stairs,

She got breathless quick, She bore excruciating pain,
She suffered many sleepless Nights,

She became your nurse, your Chef, your teacher, your Cleaner, your launderette your Friend.

She struggled for you, but not
Did she see it as a struggle,

Not once did she develop
Regrets after all this …
How dare you say even
“uff” to her …

I love my mother beyond limits

Do you … ? ? ?

Range Rovers Posh Edition

Fashion icon Victoria Beckham and SUV manufacturer Land Rover recently

unveiled the Range Rover Evoque Victoria Beckham Special Edition at an

exclusive launch event in Beijing, China.

The event, which took take place at The Central Academy of Fine Arts (CAFA)

on the eve of the Beijing Motor Show, saw the Special Edition vehicle revealed

for the first time to a wild fanfare.

Among the Posh offerings you can find in this Limited Edition Evoque include sleek black 20-inch wheels with rose-gold accents painted onto the wheels, “vintage tan” semi-aniline leathers, exclusive Mohair Carpets similar to those found in her father’s Rolls-Royce and - get this; a bespoke four-piece luggage set.

HiDuP

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