Money Money Money - ABBA

I work all night, I work all day, to pay the bills I have to pay
Ain't it sad
And still there never seems to be a single penny left for me
That's too bad
In my dreams I have a plan
If I got me a wealthy man
I wouldn't have to work at all, I'd fool around and have a ball

Money, money, money
Must be funny
In the rich man's world
Money, money, money
Always sunny
In the rich man's world
Aha-ahaa
All the things I could do
If I had a little money
It's a rich man's world
It's a rich man's world

A man like that is hard to find but I can't get him off my mind
Ain't it sad
And if he happens to be free I bet he wouldn't fancy me
That's too bad
So I must leave, I'll have to go
To Las Vegas or Monaco
And win a fortune in a game, my life will never be the same

Money, money, money
Must be funny
In the rich man's world
Money, money, money
Always sunny
In the rich man's world
Aha-ahaa
All the things I could do
If I had a little money
It's a rich man's world

Money, money, money
Must be funny
In the rich man's world
Money, money, money
Always sunny
In the rich man's world
Aha-ahaa
All the things I could do
If I had a little money
It's a rich man's world
It's a rich man's world

How She Makes a Million

Datin Clara Chee, 67, founder and chairperson of Clara International Beauty Group featured in Personal Money magazine November 2008 to share her succsess story. Her mother is one of her inspiration. Her mother used to say, 'Don't just be a homemaker like me. Look at your successful cousins and be professional like them'. Chee was inspired by her father's work in sundry shop too. She invested in education, pursued medicinal and cosmetic product technology education in UK.

In 1997, she set up her first beauty salon with RM20,000 loan she and her spouse managed to get from Credit Guarantee Corporation. She set up a beauty academy in 1979. She said: "Our business succeeded because we have scientific evidence to back up our case studies. We understand what products we are using and what methods can be used to treat certain skins problem. Word-of-mouth help spread the result we achieved."

Today, Clara International Beauty Group has more than 50 beauty centres in the country and overseas, including China and India. "My whole life is about education. Without it, it's impossible to win the hearts of others," she says.

Cosmetic Millionaire Murdered

Malaysian cosmetic founder millionaire, Datuk Sosilawati Lawiya was reported missing by her family on August 31, 2010. Sosilawati, 47, leaves her house in Gombak for Banting to discuss a land deal worth RM1.4mil. She had told one of her daughters that she would be in Banting for three days. But three days have passed and there are no signs of Sosilawati, her driver Kamaruddin Shamsuddin, 44, lawyer Ahmad Kamil Karim, 32, and financial adviser Noorhisham Mohammad, 38.

Luxury cars belonging to Sosilawati and her lawyer are found in Subang Jaya on September 6. Suspects arrested three days later. Police later found that the millionaire and her three assistant have been murdered and their bodies burnt before the ashes were strewn in a river near Ladang Gadong in Tanjung Sepat, near Morib.

Is it risky for being a millionaire? 

How to Cut Your Grocery Store Costs

Here are 14 ways to buy what you need while spending less. Highlighted from Nancy Dunnan's book Recession Proof Your Financial Life.

Before Leaving Home

1. MAKE A LIST. Jot down what you really needs helps you reduce expensive impulse purchases. Check your list again against your inventory, so there is nothing miss out.

2. HAVE A MEAL OR AT LEAST A SNACK. If you are hungry, you are automatically buy more than you need.

3. ARRANGE YOUR FAMILY TIME SO THAT YOU CAN SHOP ALONE. Or shop without the children in tow. Kids are great in talking their parents into buying something unnecessary.

4. PUT A CALCULATOR IN YOUR PURSE OR POCKET to keep running tally of the items in your cart.

On the Way to the Store

5. GET CASH. Using credit cards automatically makes it easier to spend more. Put the amount you have budgeted for groceries in an envelope or a special section of your wallet.

 

At the Store

6. PICK THE RIGHT STORE. Check out food warehouses as well as supermarkets.

7. STUDY THE STORE'S LAYOUT. Typically milk, ice cream and other dairy products and also meat are at the rear of the store. This is intentional because it means that you must walk by a lot of other items before you get to your destination.

8. RESIST BOTTLED WATER. Most cities and towns have decent tap water. Buy a filter, if for some reason you don't care for your local water.

9. GO FOR SOFT DRINKS IN LARGE BOTTLES because it is much cheaper.

10. SKIP THE P'S - prepared, precut, peeled. Do your own slicing and dicing. Mixed cubes of watermelon, cantaloupe, pineapple and strawbery in a plastic container are priced to include the cost of labor.

11. SKIP THE G'S - grated items. Grate your own carrots, cheese and potatoes.

12. BEND YOUR KNEES. Higher-priced items tend to be at eye level. Lower-priced groceries are often on the bottom shelf.

13. WATCH THE BILL. Make sure your amount match on the scanner.

14. LOOK THE OTHER WAY AT CHECKOUT. Do you really need those magazines, recipe booklets, candy bars and gadgets?

Start Late, Finish Rich

Start Late, Finish Rich: A No-Fail Plan for Achieving Financial Freedom at Any Age (Finish Rich Book Series)

In the opening of this book, David Bach motivate readers that whether you are in your 30s, 40s, 50s or beyond, it's never too late for every one to start and finish rich. Anyway, action on what you learn is what will change people's life, not the book.

Earlier in this book, David Bach introduce his Latte Factor concept which refering to the amount of money you are wasting on little extravagances, like a cup of coffee, and how rich you could become if, instead of wasting all dollars, you put them to more productive uses. Regardless how big or small your paycheck is, the Latte Factor can make a real difference in your life. In this book, David Bach shows how Latte Factor works and a few people share their Latte Factor success to help you understand this in a clearer picture. If you are starting late, then you are going to find your Double Latte Factor.

David Bach start with credit card debts, which many people are financially hold back. Most people find that settle  their credit card debt is impossible because they focus on the debt instead of the real enemy, the interest. You will learn the secret in credit card industry and how to cut the card interest when you read further.

The art of 'paying yourself first' comes next. And there is a simple math to elaborate this topic. Then, what will you do with the money you save? Toss out the budget and make it automatic. Investment is another way to start late and finish rich, only if you make a strategic plan. Buy real estate, buy stocks, or buy bonds. Buying a home is also a good investment. You cannot get rich being a renter. The fact that buying can cost you less than renting is the reason why you have to buy a home now and it has to be your goal. In Chapter 12, you will coach on how to buy a home and pay it off early.

But we haven't complete yet. There's another secret that rich people know.

The 5 Must Know Credit Tips for Students

Building and maintaining good credit is more important today than ever. Whether we realize it or not, so many parts of our daily financial lives revolve around our credit scores. But don't fret - abide by these five must know credit tips for students and you shouldn't have any problems at all.

1. Start a Credit History
The best way to start your credit history off on the right foot is to keep it natural and realistic. Go ahead and open up savings and checking accounts - you'll need them. Next, try starting off with a student credit card. Use it only to make purchases that you'd make anyway and then pay it off in full and on time each month with the funds from your checking account. Your credit worthiness will gradually begin to grow just by conducting everyday transactions.

STUDENT PLUS Click Here! to check it out.

2. Stick to One Credit Card
If you're using your credit card only to make planned purchases and paying it off each month, chances are, having one credit card is all you'll ever need. Sure, the limits start off fairly low, but they will rise as you make purchases and pay the bills on time. Know that having more than one credit card as a college student statistically has a history of leading to credit troubles.

3. Live On a Budget
This is probably one of the most important credit tips for students there is. Write down all of your monthly expenses at the beginning of every month in the order of what you'll need to pay first. Use your income to pay the items according to priority and be sure not to spend any money at all outside of these categories until all expenses are paid first. Actually writing everything down helps reinforce your understanding of your own individual financial picture and does help prevent unnecessary impulse buys that often snowball and cause credit problems later.

4. Financial Responsibility Counts
Yes, you have to make that credit card payment on time! Paying bills isn't quite as fun as spending money in the first place, but your credit will be badly damaged for many years to come if bills are paid late or not at all. It's always better to pay a week early than one second late. Just as important as paying the credit card bill on time is keeping well within the confines of your credit card's limit.

5. Check Your Credit Reports Often
Just because you're a student and probably only have just begun your credit history recently doesn't mean that you're not a target for identity thieves. Seeing your financial picture from all perspectives is essential to building a lifetime of good credit. Everyone is eligible to check copies of their credit report for free each year. Try checking one of the major three credit bureaus (Experian, Equifax, and Trans Union) once every four months to make sure there's no funny business happening at your expense.

Damaged credit will severely hinder everything from the purchase of a home later on in life to the amount you'll pay for car insurance. Credit affects practically everything these days, so control your credit score by actually taking advantage of these credit tips for students instead of letting your credit rating control you!

By Scott Stadler - CollegeStudentCreditCards.net

How to Get Student Travel Discounts

We all thought that senior citizens were the only class of citizens that got these types of discounts but we're wrong. Students can save a lot of money when it comes to travelling the world and it's actually not that hard to save. All it requires is a little bit of your time and research and you'll have a deal in no time.


1. Student Travel ID Cards

Student discount cards like the ISIC can save you on discounts from places around the world. A simple flash of the card can get you discounts at places like the movies, restaurants, and many other places. Applying for the card couldn't be easier! Remember that when you do apply for the card that you ask around everywhere you go, you'll be surprised on how many places actually accept the card. Visit Myisic to look at the many places you can save at.

Related manual: THE TRAVEL SECRET GUIDE Click Here to check it out.

2. Airfare
The next time you fly, make sure you don't purchase tickets at a regular price. Instead, check out websites for the student sections. There are countless websites online that cater to students and flying the great blue skies. When it comes to flying, students can sometimes save more than fifty percent.


3. Trains
If your college campus is near a train station or you plan on riding a train in the near future, once again, make sure that you plan on looking for a student discount before you purchase your train ticket. Just like the airlines, you can save a load of money just for being a college student.


4. Bus

By now, I've probably listed every method of transportation out there but hopefully you get the clue by now. No matter what you use to get around the world, there are student discounts. So, if you're paying full price for any ticket out there and you're a student, you really need to look into student discounts around the internet. There are so many ways to save on travel.

Click Here for travel guide.

So the next time you're looking to book that trip around the globe, make sure you get that discount because if you don't, you're blowing money you shouldn't.

10 Ways To Survive Life On A Student Budget

Of the hundreds of tactics students are using to make uni-life easier on their pocket, here are the 10 most popular in no particular order:

1. Look for part-time work.
It may seem obvious but a surprising number of students don't supplement their loans with a wage. Now, nobody needs to tell you about benefits working in a bar or supermarket can bring to your social life! However, it can also bring benefits to your pocket because your wages will pay for all those uni-nights out, takeaways and parties. Getting a part-time job is also a great way to meet local people outside of the traditional uni-scene.

2. Have all your fun for nothing.
It doesn't have to cost the earth to enjoy yourself at university. There are countless companies and organisations willing to give you bucket-loads of free stuff. All you have to do is look for them online.

3. Live large but spend small.
If you love to party, then there are loads of ways to have more fun for less money. There are plenty of websites out there that provide money-off vouchers for bars, pubs and clubs such as Jongluers.

4. Eat out for less.
A treat on the taste buds it may be, but eating out can leave a you feeling sick when the bill arrives. So, don't pay the full amount? There are hundreds of discount deals online including everything from Pizza Hut to your local Indian.

5. Sell books and buy cheaper ones second-hand.
The trouble with university textbooks is that once you've read them and learnt from them, they just end up on the bookshelf gathering dust. Earn yourself a few extra quid by selling them to other students. Or save yourself money by buying them second-hand.

6. Get your electricity, gas and water cheaper.
Shopping around for good deals on essentials such as utilities and car insurance can save you hundreds of pounds each year. There are plenty of price comparison websites out there to help you switch to a cheaper utility supplier, but here's the only one exclusively for students.

7. Look and smell good for less.
We're in a recession. So fashion and health & beauty retailers are giving discounts on a wide variety of product including everything from ski wear to fake tans. You can find loads of discounts on health & beauty and fashion by searching for voucher codes online.

8. Reduce the cost of your weekly supermarket shop.
Have you noticed how expensive your supermarket shop is these days? So, take advantage of all those money-off vouchers supermarkets offer and bring the cost of your weekly food shop down. Supermarkets try to undercut each other all the time. So shop around online for deals before you go out shopping.

9. Get your gadgets and broadband for less.
If you love gadgets such as iPods and mobile phones or just need to get a laptop to write your assignments on, you can save pounds on electrical goodies. That's because broadband providers, PC makers and mobile phone networks operate in a highly competitive market. To get your business, they've got shed-loads of promotions. Take a look at what deals they've got to tempt you by going on the internet.

10. Blow less cash on entertainment.
Overspending on the stuff that's the most fun; it's easily done. You can snap up great nights out and in deals at a snip of the price by looking online.
By Mandy Collins, http://www.unitown.co.uk

How to Pay Off Your Student Loans Faster

Student loans don't have to be a financial burden for you after college life There are ways for you to reduce your study debts and pay them off faster.

One of the best solutions is consolidating your student debts. You can consolidate all your study loans during the grace period right after your graduation. You should start searching for the potential lenders in the market who can consolidate your student loans. Choose the financial institution which can offer you the lowest interest rate.  

Most students take student loans to further their study in college or university. The It is advised that when you are in college or university, you should not spend all your loans but to save as much as possible. You should take up a part time job to earn some money to pay off your study loan when you are still studying. You can also save the allowance that you earn from internship to pay off your study debt bit by bit.  

It is an important to bear in mind that you should not apply for any credit card once you graduate. Even if you have secured a job after the completion of your study. You better not to possess a credit card. Just focus on paying off your student debt. By this, you will be getting debt free faster and it will ease you from having stress too.

How Can Water Treatment Equipment Save You Money and Keep You Healthy

Three-fourths of the world we live in is made up of water, it is only understandable that proper precautions must be taken to assure the continued availability of our vastest and most precious natural resource. In this regard, many companies are now in the business of selling water treatment equipment designed to purify water and make it safe to use in any whole house water treatment.

When the word "equipment" comes up, most people immediately associate it with cost and instantly think it must be expensive. Water treatment equipment is no exception. Many companies acknowledge the fact that equipment for the treatment of water can indeed be a little over what many consider reasonably priced. However, this doesn't mean outright that a whole house water treatment is nothing but a scam to make opportunists filthy rich. The truth of the matter is that water treatment equipment can actually help you save more money than you think, especially in the long run. More importantly, it can keep you healthy and greatly improve your quality of life.

With a whole house water treatment, you can make sure that the water that runs through your entire house is clean. This is because the water treatment equipment you use has the ability to conduct a purification process that transforms dirty water into clean water. More than clean, your water actually becomes highly potable. In this case, you don't have to buy bottled water for drinking purposes. With a water filter or water softener, whichever you choose, you can drink your water straight up without having to worry about having an upset stomach afterwards because the whole house water treatment of your choice takes care of all the bacteria, viruses, fungi, algae, chemicals, and other contaminants that are harmful to your health. You can use the money - think hundreds of dollars in a year - meant to buy bottled water for other more practical and necessary expenses.

10 Dont's To Save Money For Wedding

Wedding Hall of my friend wedding, Melissa

1. Corporate sponsoring - Try incorporating the sponsors, using product placement, and advertising in your wedding vows. It's real easy and can earn you some big bucks. Try it now: "Samantha, I've loved you ever since the day we met at Mc Donald's, enjoying their new tasty Angus Burgers, on sale now for a limited time, only $2.99 if you use the coupons inside page 3 of your wedding programs."

2. Hint the Bride to Selling Her Wedding Dress or, for the more experienced grooms, sell the dress and never mention it. Hey, why do you even want to keep it? You're never going to get married again, are or you?

3. Pot luck - In this wedding saving money tip we challenge you to channel the spirit of your guests. Share in the conglomerate dishes of over 20 kinds of Mac and Cheese and endless varieties of Shake and Bake creations.

How To Save Money on Travel

Breeze taking at Simpang Mengayau "Tip of Borneo" , Kudat, Sabah MALAYSIA

Vacation to Bangkok, THAILAND 

Traveling for fun is a way to escape from all the crazy things happening in our life. What so ever the reason, be it travelling to relax, or to see something new, try out exotic dishes or meet new people, it costs a lot of money, especially international travel. Thus, travel have to be planned thoroughly. Here are some useful points to take into account when trying to travel on a budget:

1. Book early and save
Airlines usually offer low price for their seats during off-peak hours. One helpful tip to remember