Retired ! .. Bersara ! ….

Planning our retirement ahead of the actual time is equally hard as trying to save extra money from our norm. It would be much difficult to actually adjusting our life to that of new retirement environment should we chose to ignore it now. As the old saying goes that one who laughs first will laugh last. Let me share few important tips that I had from a seminar that I have attended prior to my retirement.

First, getting started what about planning to free out of your existing debt?. I got cornered by the remaining amount of debts I had on the day of my retirement. No matter how small the balances is it is still burdensome to the retirement. My housing loan, my new car financing and some balances in my three credit cards. Three of my five children were still in college studying. Anyway, stop worrying as every problem has it own solution.

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Good retirement life takes a good planning. I started with a small trading company and later a retail business of my own in a small town before moving on to a more strategic demanding location. Thanks God I managed to stay healthy within that critical period without having to leave aside my normal routine exercises, diets and religious practice. Seems to be an enjoying moments, not really, as doing business is much more complex than I earlier thought. My only strength was using my own funds with no fear of loan repayment. Imagine if it does?.

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Making money is an on-going process. I have my small business company registered and running one year after my retirement. I knew nothing about the internet business otherwise, it would be an ideal opening as we are actually doing it at home free from interferences and what is more it is at our own pace of time?.

I retired from office at the age of fifty-five that is the legal retirement age in the private sector in Malaysia. (more…)

My travelings, readings and writings have actually opened up my mind, widen my knowledge and broaden my experiences with more important essence that it leads me to appreciate my life more than ever before.

When things get bored my other favorites gardening and photographing appears to smoothen my times cheerfully. What I see, what I feel and what I wanted to do seems to be disappointing at times. Believe it or not such hobbies helps to cheer up the life and ease some doubts . Flowers I planted most are roses and hibiscus that is a common tropical plant with large bright-colored flowers. As roses are colorful so are our lives as sixties are as beautiful as the thirties …. (more…)