'I TAKE PHOTOGRAPH'

” Teluk Intan(安順)is a town located in the state of Perak in Malaysia. It is the largest town in Hilir Perak district and third largest town in the state of Perak with an estimated population of around 120,000, about half of Hilir Perak district’s total population (232,900). Teluk Intan is the district capital of Hilir Perak district. – Wikipedia. For more information about Teluk Intan, please visit : http://en.wikipedia.org/wiki/Teluk_Intan 

That is the general information about it, let’s get back to my title, 4 AM. How many of you have ever think what is happening in your town at 4 AM in the morning? Which i believe most of us will be sleeping soundly, except those football fans who are still awake for the Euro 2012.

Being here for 25 years, i have never thought of what is going on out there at this time? Like my sister…

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A couple of weeks ago I went to spend a few days in Istanbul. The city really lives up to its reputation and it would be an understatement to say that I wasn’t disappointed: Istanbul is simply grand, magnificent, full of art and history, amazing by its architecture, lovely and full of inspiration in its quieter neighborhoods. In one word – gorgeous.

What I particularly liked about Istanbul is its situation by the sea, in-between two continents. The city is so expanded, it’s incredible to contemplate. But it is almost always freshened up by the ocean’s breeze. Obviously, besides the pure and salty marine air, the great thing about it is that one can find countless striking views of the Golden Horn. Uskudar, on the Asian side, provides a great promenade by the sea with fishermen, seagulls, wooden houses and children taking a swim. For other lovely marinas, look at…

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FRESH TRAIN CO. | BLOG

Complex Magazine posted their list of 25 Best Rappers 25 And Under a few days ago, and since you could easily visit their website for the complete list, I have decided to share with you my top 5 picks. Enjoy!

5. The 16 year-old rookie Chief Keef, best known for his track “I Don’t Like,” which features Kanye West and G.O.O.D. Music, is sitting in my number 5 spot.

4. The 24 year-old rapper Kendrick Lamar is taking the rap game head on with his tight flows and “on-point lyricism.” We’ll only be hearing more about him by the day as Lamar is currently working on his major label debut, Good Kid in a Mad City.

3. Meek Mill recently dropped Dreamchasers 2, which currently holds the spot as one of the hardest mixtapes of the year thus far. There is no doubt that the 25 year-old Philadelphia…

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Business Advice

Business Advice

Retirement may be a long way off for you – or it might be right around the corner. No matter how near or far it is, you’ve absolutely got to start saving for it now. However, saving for retirement isn’t what it used to be with the increase in cost of living and the instability of social security. You have to invest for your retirement, as opposed to saving for it!

Let’s start by taking a look at the retirement plan offered by your company. Once upon a time, these plans were quite sound. However, after the Enron upset and all that followed, people aren’t as secure in their company retirement plans anymore. If you choose not to invest in your company’s retirement plan, you do have other options.

First, you can invest in stocks, bonds, mutual funds, certificates of deposit, and money market accounts. You do not have to state to anybody that the returns on these investments are to be used for retirement. Just simply let your money grow overtime, and when certain investments reach their maturity, reinvest them and continue to let your money grow.

You can also open an Individual Retirement Account (IRA). IRA’s are quite popular because the money is not taxed until you withdraw the funds. You may also be able to deduct your IRA contributions from the taxes that you owe. An IRA can be opened at most banks. A ROTH IRA is a newer type of retirement account. With a Roth, you pay taxes on the money that you are investing in your account, but when you cash out, no federal taxes are owed. Roth IRA’s can also be opened at a financial institution.

Another popular type of retirement account is the 401(k). 401(k’s) are typically offered through employers, but you may be able to open a 401(k) on your own. You should speak with a financial planner or accountant to help you with this. The Keogh plan is another type of IRA that is suitable for self employed people. Self-employed small business owners may also be interested in Simplified Employee Pension Plans (SEP). This is another type of Keogh plan that people typically find easier to administer than a regular Keogh plan.

Whichever retirement investment you choose, just make sure you choose one! Again, do not depend on social security, company retirement plans, or even an inheritance that may or may not come through! Take care of your financial future by investing in it today.

Investing for Retirement

Retirement may be a long way off for you – or it might be right around the corner. No matter how near or far it is, you’ve absolutely got to start saving for it now. However, saving for retirement isn’t what it used to be with the increase in cost of living and the instability of social security. You have to invest for your retirement, as opposed to saving for it!

Let’s start by taking a look at the retirement plan offered by your company. Once upon a time, these plans were quite sound. However, after the Enron upset and all that followed, people aren’t as secure in their company retirement plans anymore. If you choose not to invest in your company’s retirement plan, you do have other options.

First, you can invest in stocks, bonds, mutual funds, certificates of deposit, and money market accounts. You do not have to state to anybody that the returns on these investments are to be used for retirement. Just simply let your money grow overtime, and when certain investments reach their maturity, reinvest them and continue to let your money grow.

You can also open an Individual Retirement Account (IRA). IRA’s are quite popular because the money is not taxed until you withdraw the funds. You may also be able to deduct your IRA contributions from the taxes that you owe. An IRA can be opened at most banks. A ROTH IRA is a newer type of retirement account. With a Roth, you pay taxes on the money that you are investing in your account, but when you cash out, no federal taxes are owed. Roth IRA’s can also be opened at a financial institution.

Another popular type of retirement account is the 401(k). 401(k’s) are typically offered through employers, but you may be able to open a 401(k) on your own. You should speak with a financial planner or accountant to help you with this. The Keogh plan is another type of IRA that is suitable for self employed people. Self-employed small business owners may also be interested in Simplified Employee Pension Plans (SEP). This is another type of Keogh plan that people typically find easier to administer than a regular Keogh plan.

Whichever retirement investment you choose, just make sure you choose one! Again, do not depend on social security, company retirement plans, or even an inheritance that may or may not come through! Take care of your financial future by investing in it today.