Financial Planning

Yesterday on my way to Bangi, I saw an ambulance with 2-3 clear heads at the back side of the ambulance. Suddenly my heart was pounding hard. Afraid of death maybe. I could not imagine what will happen if I am the one who is lying inside the ambulance or I am the one who stay beside to the patient. Maybe the patient is the one I love. I don't know how's my life could be after that. Can I cope with it? I don't have a gut to imagine even a second...

Last night driving was horrible. I almost 'tup tup' and tergelincir to the side of the road. Actually that was my fault because I did not focus on my driving. Busy, tiring and not enough sleep during the last weekend. To make matter worse, my head was spinning around on that time. As a result, I could not see the jalan clearly due to heavy rain. I was lucky enough because there was no car during that moment going through that road. As long as I remember,there were also a few times I hit the traffic light sign without realize that I made mistake until I heard the car horn from the concern driver. Fortunately I bumped with the road users/drivers who are very good to act in emergency time. Alhamdulillah. Nothing happened..I should not let myself to drive when there a lot of things play inside my mind. Never take a risk to jeopardize your worthless life. But who's gonna be my driver instead?

Am I ready for the next life? Only myself knows the answer...Just an introduction which is not related at all with what I would like to discuss.


Anyway, today I would like to share about Financial Planning.

Interesting and popular topic but for me it is very hard to do. I really need to discipline myself if I would like to get attach with the financial planning. Nowadays, it is really important to sort out my monthly spending. From my experience, I always over spending my monthly income. I don't have a proper planning regarding this matter.

Yesterday, gold price dropped about 20%. For those who are interested and have more money to spend on, for sure they will buy the gold either in term of buying gold at the bank by investment or buy the gold as a material and keep it personally or at the bank for the safety purpose. Actually I am interested to do some gold investment at Maybank but only in a small proportion. If I am not mistaken, there are 2 other banks in Malaysia which also provide this service. They are CIMB and Public Bank. Usually the Public Bank offers better price but still I rather to go to the Maybank. Why? A reason is obviously known. No need to mention. The gold investment at CIMB still new compared to Maybank.

A lot of things need to be considered before deciding to do it. As a lay man who always waiting for the end of the month to get the pay from my employer, I don't want to waste my money for nothing. Bukan macam Heidi Klum yang boleh insurance kaki sebalah RM6 juta, sebelah lagi RM7 juta...Hohoho.. Ada kena mengena ke? Have a courage and willing to take risk. Dare to face loss. Usually the profit will be after the long term investment. Try to gain experience then I'll know. I need to read and do more research on this issue. How was the gold price pattern for the past years. What about the prediction in the future. So that I can estimate when the price will drop so that I can prepare some money to buy it. Currently I am in the learning process how to read graph. Laughing.Hahaha... Macam pandai.I have found this website http://www.kitco.com/. Boleh lah...

Dare to fall to feel the pain...