DISQUS

Kevin,

U save in the bank and get bank interest? You mean the normal savings account that give you back less than 2% interest when the inflation rate is >7%? I hope not!!

I read that the only way to earn money is relate to WORK and SAVE. WORK and SAVE more. No secret, no other ways, no free lunches.

Must ACTION.
To SAVE more:-
Do track how much you spend, you have phone bills, electric bills, handphone bills - you can track them as there are records. What about your other bigger bills - entertainment, food, clothes - yes, every Ringgit must be tracked so you know where it goes.

To EARN more:-
Those employed, work hard, work for OT, for allowance, for increment/promotion! No pain, no gain!
Those self-employed, must be positive thinking, "be fearful when people are greedy, be greedy when people are fearful!" No self-pity, no complains - just DO IT!

Hi Yow Chuan,

THis is a very useful and informative booklet, suitable for those who doesnt really able to keep up with the skyrocketing price of the treatment for all the illnesses.

Just another suggestion for your next edition... :). It is also very useful if you can include how many malaysians actually diagnosed with each of the illness and rank them based on Malaysia's survey.

Hi yow chuan,

what about insurance agencies - what is your opinion comparing MLM with Insurance companies?