FRUGAL TO STAY AFLOAT IN TRYING TIMES

Peer pressure are some of the deterrent factor for us to exercise prudent spending. Since childhood we have been told by our parent to leave within our means.

To stay connected with our peers we buy things which often bring our status to be on par with our colleague to find out later that it was not a necessity to us.

It is because of such choices that resulted younger people get entangle with bankruptcy action within early career life despite acquiring high academic qualification.

In this respect, excellence in academic qualification is not a full proof defence to overcome from being overwhelm with debts.

It is reported that significant number of defaulters resulted from personal loans, hire purchase and credit cards. On closer look, this are considered as short term loans tempting to resolve short term interest but have great future consequences if repayment capacity remain unstable or at worst income stop flowing due to loss of job.

Borrower in this case is being misled to believe that they have the means to sufficiently cover their repayment since financial institution approved their loans. However, they fail to comprehend that the benchmark administered by the bank in the financial assessment where loans repayment remain below 30% of gross income earned, considered as acceptable borrower.

Matters can easily get out of hand when borrower, fail to account their true expenses and other financial obligation, let alone maintain savings as cushion on rough times.

So, being prudent is actually exercising frugal spending even when you are not facing stretch in your income.

As the saying goes, a pound saved is a pound earned.

GET MORE FOR LESS

You have moment where things are not right and the unexpected happens. You have a punctured tyre just as when your husband is away on business trip.

 Your kids anxiously look in your face as they look forward having a weekend outing with you at the park.

The thoughts of manually jacking the car and unscrewing the tyre may have shattered your confidence of having a good time with your kids.

Yes, this maybe the case of those days where technology have limited capability.

You will cherish now there is a technology that able to effortlessly doing the jacking unscrewing and screwing your tyre by just utilizing your cigarette lighters in your car.

You will be amazed when viewing the video demonstrating  replacement of punctured tyre, minus the perspiration.

Follow this link :

http://www.youtube.com/watch?v=vZObQyzclRw

All this uncomplicated equipment and user friendly gadget will be all yours for a discounted price of less 20% from RM 420 to RM 336.00

As a husband, your small investment is a reflection of your caring and love for her, your sweet wife.

Likewise, as a parent, this equipment would be a priceless gift for your lovely daughter or for your elderly parent.

The gift is not just a thought but a symbol of your appreciation for your love ones.

Drop your contact details now via email to aminjoe62@gmail.com

OLD AGE WITHOUT FEAR

It is very much depend on what your age now for you to ever imagine the magnitude of living after retirement.


For someone just reaching the age of early twenties, coming out from tertiary education, the thought of retirement never cross the mind. It is a normal phenomenon for every human being.


For those of you at the brink of of retirement, where your personal savings and investment is sufficient, less likely will you ever think that investment issue get much attention when personal wealth ambassador knocks your door.


Yes, you normally feel contented when you are seemingly far away from disaster or misgivings but that is the time, you are actually vulnerable.


In actual fact those of you with lesser income just coming out at early career ladder, there are ways to tailor your investment based on your affordability. It may not be giving you the comfort of early retirement but it can be an affordable step to take. Why would you want to secure your comfortable future by risking your current financial obligation which will end up unfulfilled.


On the second scenario, those of you that fully equipped yourself with good investment judgement in your early working life, you will rarely consider the situation of your own family members, especially your son and daughter. Rather than just leaving behind a chunk of money, it's equally important for you to inculcate prudent investment to enable your descendant establish financial independence instead of depending on you.


The last thing you would want is to call on representative of personal wealth that is eager to propose higher future savings & benefits but overlook your affordability. (just because they want to reap maximum commission out of your case.


We can assure you that won't be the case for us.


Ideally, when you email us your inquiry, please indicate your age,marital status, career in which industry, your dependency & estimated yearly income.



The above-mentioned information would certainly helps us to formulate some range of package that would be suitable for you during our personal presentation.



Write to us at aminjoe62@gmail.com

HAPPY GRADUATION

Against time

People may have no problem in multi tasking The most dreaded aspect is getting things done at specified time and at cheaper cost. In this case, getting a graduation robe, less in volume but at an affordable price.

For specialized apparel with no ready made, your best bet is to work with the producer itself. If you are looking for one for this coming graduation occasion  either, for kindergarten, primary school, secondary school or college, reach me now.

Plan ahead to gain

The price of acquiring customized graduation robe is well much cheaper if can be done during off season. Earn more than 40% percent from normal affordable price between Jan to May. All it needs is little planning and a reliable producer. 

Great deal attract smile

Leave out your frowned face and put back the smile. Yes, if graduation robe is your nightmare, reach us with your details. Be surprise with price as low as RM 80 to RM 160 per set inclusive of mortarboards cap. We cater producing graduate robe for kindergarten, primary & secondary school and the college.

Nice but cheap

Graduation robe either using koshibo or viscose fabrics has its own benefits. The former is slightly cheaper but appear luxurious whilst the later appear like a silk but feels like cotton. Whatever your choice, it's worth the value with accompanying workmanship. 

Do for less for less quantity

Many will have hard time getting low quantity of 20 pieces of graduation robe and if possible will cost more. But not for us. You be surprise of our affordable price package.

Reward and happy moment

Every graduation is a moment that instill inspiration as well as a sense of fulfillment to any student regardless of age be it at kindergarten, primary and secondary school or college. Hence, they will appreciate their achievement more with a fine graduation robe. The appearance must be good but should not necessarily be expensive. 

Leave your contact details in your email to me : aminjoe62@gmail.com