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Showing posts from February, 2022

Studying Hard vs Financial Planning

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I recently had a conversation with a university friend whom I hadn't met in 25 years. During our conversation, my friend, who has two children, mentioned an intriguing question asked by one of their children: "Why should we study so hard when the government approves a minimum wage starting at RM 1,500 per month?" My friend was stunned by this question, and I couldn't help but smile. Determining Your Future Salary The real question to ask is, "How much will be your last drawn salary if you start with RM 1,500 per month now?" Let's assume you begin working at age 20 and plan to retire at age 60, giving you 40 years of working life. For the sake of simplicity, we'll assume a permanent annual salary increase of 4%. The answer is that your last drawn salary upon retirement at age 60 will be RM 7,201.50 per month! In contrast, considering an article that suggests a fresh graduate's starting salary will be RM 2,500, and assuming a permanent increase of

从10仙开始年存逾万

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从10仙开始年存逾万。储蓄是开始容易坚持难。到时总是有些事情需要救急。你们是先储蓄后花钱,还是先花钱后储蓄?

Increase your engagement rate using #throwback or Memories

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If you facing a low engagement rate on your social media account, you need to finish reading this. Once upon a time, when we have social media and people just start posting everything. From short text Twitter to check-in location Foursquare. Then come Facebook with photos, video, text, poll, everything. Finally, Instagram. It become quiet for a while when Snapchat came with many colour filters and finally is TikTok. Sooner or later, the platform (user) will run out of content to post and the next step is "To Share". But that does not create extra engagement to your own content. The solution is to use #throwback The origin of #throwback is actually #ThrowbackThursday which in the short form now #tbt You can read more about it on  VOX . When you are running on a tight schedule (for your personal life) but you still want to constantly post on your social media account to gain followers and engagement rate, one of the free and smart ways is to use throwback and the Memories from

Do you really need Cloud Storage vs Local Storage or Hybrid Storage?

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Well, you took videos, photos, never clear WhatsApp messages for the past...1 year? Your smartphone is running out of storage because there are thousands of photos and videos. There are a few solutions for you. No. 1 is that you upgrade to higher storage smartphone. At the moment, iPhone does offer 1TB storage and Samsung also offer the highest 512GB of internal storage too. All the best if you still have any kidneys left to sell.  No. 2 is to purchase cloud storage. iCloud from Apple does offer 50GB, 500GB and 2TB. But still, you need to make sure you still have enough storage on the cloud and in your smartphone. 50GB cloud storage including all your mobile application data. If you have 5GB of WhatsApp message history, then it will reduce your cloud storage.  No. 3 is alternative local storage or hybrid storage. You can purchase local storage and plug it into your home wifi network. With a few simple configurations, you can create your own "backup" solution and backup everyt

How to start create content?

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A Content creator is one of the hot jobs or most wanted careers for the new generation. When compared to my time, the most common career when asked by the teacher is doctor, lawyer, teacher, businessman. Here is a simple 3 steps to start your content creation journey. 1. Find out what is your interest a.k.a hobby a.k.a passion? Content creation is one of the extreme brain drain processes (for me). If you do not have any obvious interest, hobby or passion; this will be even more difficult. Creativity juice flows the best when we are in a relaxed and happy mood. By forcing it, it will not work so well. Just do what you like to do and be happy about it (and earn some passive income) 2. Find the same people on social media platforms whether is on Facebook, Instagram, YoutTube or even the latest and greatest TikTok and observe their best practice. Luckily, there are pioneers in this area. We do not need to re-invent the wheel and start again. Content creation format is something that will c