Score A i-Teacher

• Expenditure is more than income - 
• How many of us are in debts? Car Loan, Home Loan, Courts Mammoth loan, Study Loan, Personal Loan, Advance Loan from the company, electricity bill, water bill, handphone bill, streamyx bill, maxis/digi/celcom broadband bill, astro bill,  car service bill, house repair bill, my list can go on like yours
• Debts are not paid in full each month

• More and more people are now in debt and burden with credit card problems
• Worry about the future of the family in the event of a disaster? 
• Worry about Job Security?
• No job in this world is secured......FACE THE FACT
• Want to increase income but do not know how 
• How many of us given automatic increment every year? You think RM400 increment is enough every year? How bout Bonus, are you guaranteed of Bonus? 
• Worry there is not enough savings or are vague about the source of income after retirement 
• When its time to pay zakat and do jariah but has yet to do so 

 
• Statistics show an average savings from the EPF was a Malaysian, aged between 51 to 55 years only had RM34, 000 (Source of annual fuss EPF in 2002) 
• The analysis showed that no matter how much a person has savings in the EPF, 70% of the potential to spend money from their EPF savings within three years after retirement
• 12-month average returns of fixed deposits only 4 per cent (source: Bank Negara Malaysia in 2000-2002) 
• The average inflation rate was 2.96% per annum (source: Department of Statistics 1991-2001) 
• The expenses for the second year of study in Malaysia is RM43, 000 (the cost of college is RM24, 000 and living costs RM19, 000) 
• But if you intend to send your children to study outside the country like the United States, it would cost RM53, 200 for tuition and fees of RM38, 000 for living expenses

How will you be able to get the cash within 3, 5, 10 to 20 years? It can be done if you start saving now, whether to invest or save the financial institutions that are recognized?