Thursday, January 29, 2009

Happy Lunar New Year

Wishing you and family a Happy, Prosperous , Wealthy & Healthy lunar new year of the ox 2009. This year and next will be a very challenging year . Hard work and work smart will persevere throughout the year. Think of sometime do to that can added value to you. Maybe further study to upgrade yourself or take up a part time job to earn extra.

Tough times never last and good times won't be forever. Everything will follow a cycle. I been through all these times and I feel if you have done your long term planning and budgeting you will know what to do. Most of the financial planner will advise you to save 6 to 9 months of your salary for emergency. Every month if you can save 25% of your pay for retirement will be good.

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