7 Way To Gear Up Yourself!
1. Look street-smart
Stash: Skin-tight clothing that restricts breathing.
Try: Comfortable and practical fashion that don't require you to be a size two or a fashion victim. Utilitarian chic breathes anew with cargo shorts and big pockets and all around comfort wear.
Gear Up For: The arrival for Spanish label called Pull & Bear, known for creating smart streetwear that looks good and feels even better.
2. Crop a pixie
Stash: Wearing your hair the same way since school-days. Time for a change - you're in your 20s now!
Try: A daring 'do, like a pixie cut. It's flattering for most face shapes - heart, oval or square - and looks especially amazing on those with prominent eyes or cheekbones.
Gear Up For: Hair texturisers such as the Redken Urban Experiment line which adds depth to hair. Accentuate the piece-y look with a fantastic colour. Look out for browns and reds like Redken's Runaway Reds which will make a huge comeback.
3. Online Notoriety
Stash: Friendster. If a fast and easy way to gain Internet presence is what you want, this won't cut it.
Try: MySpace, a social networking website that's similar to Friendster but the difference is the cool factor. It's launched many aspiring artistes' career, such as the Arctic Monkeys and you get access to you fave pop band via e-mail. Check it out at MySpace.
Gear Up For: YouTube. Here you can film yourself doing the most inane thing and someone out there will watch it.
4. Cash Smart
Stash: Credit card debt. If it exceeds two months' worth of your pay - your finances are in dire straits.
Try: A second income stream. If you've got extra time on your hands or a unique talent, why not exploit it to earn some extra cash? There are many work-from-home opportunities involving data entry, handicraft and direct mailing - find something that suits you and you'll be able to progress towards financial freedom much faster.
Gear Up For: AmBank's NexG Prepaid Card or EON FREEDOM Prepaid Mastercard - same convenience minus the risk. This pre-paid card is the way to go for today's smart spender who doesn't want to chalk up debt. Top up your card's balance online or at any AmBank/EON branch and use it wherever MasterCard is accepted. Plus, you get bonus points, discounts plus other privileges via m-coupons.
5. Drive a Cool Compact
Stash: The need to beg a ride from your man all the time. A girl's got to have her own wheels to get ahead!
Try: Perodua's MyVi - this hot-selling car is the natural choice for every cost-conscious girl. Think about it: Every time the price of petrol goes up, the MyVi becomes that much more practical in terms of savings from fuel consumption. Besides which, its low cc also means you pay less road tax. And, because it's so affordable, you also save on insurance premiums - value-for-money all around!
Gear Up For: SMART fortwo. The SMART fortwo not only saves you money, but it also helps the environment. The new model due out this year apparently consumes a thrifty 3-4 litres of diesel per 100km, which should mean travelling from Kuala Lumpur to Penang for less than RM20 worth of petrol. There us even a gear shift indicator that tells you the most economical gear to select. True, it can only sear two people... but it's just you and your man anyway!
6. Investing in Your Future
Stash: Your savings account ATM card. To make savings plan work, you need two accounts: One for emergencies and another for savings. Keep the ATM card for the emergency account and ditch the ATM card for savings account, make it difficult to withdraw from it and forcing you to save.
Try: Investing your EPF money in a trust fund. The returns have proven very attractive, although there is associated risk. By using your EPF savings, you can invest a decent sum and potentially get better returns (2% of RM20,000 is a lot more than 2% of RM2,000!). First, decide which trust fund you'd like to invest in (view a list at http://www.fmutm.com.my/). Then, visit EPF and fill up form 9F(AHL) and nominate the fund you've decided on. The fund manager will get in touch with you to organise the details.
Gear Up For: Real Estate Investment Trusts (REITs). Similar to conventional trust fund, REITs essentially aggregate the pooled resources of thousands of small investors. But, instead of investing this money in shares, REITs buy properties. It's very new in Malaysia, but has proven its worth in other countries.
7. Personalise Your Photos
Stash: Soft copy versions of your photos. It's time to take them out of your thumb drives and PC - get them printed already!
Try: Printing on the go. Hewlett Packard's Photosmart A516 compact photo printer is ultra-light and portable. It's cute and lets you print all your photos almost anywhere imaginable - parties, reunions, sporting events, family gatherings or even on vacation. Get your photo album ready!
Gear Up For: Pixart Photobooks. Pixart will take your digital photos and turn them into professionally-made photo books for less than RM100. With a few clicks of a mouse and using the free-to-download software, you can create your own coffee table photo book or pocket book masterpiece from shared moments and give it away as a great present that beats any expensive gift idea!
About The Author:
Elsa Samuel, Ng Li Fern, Stephanie Sharon Koh, Zurien Onn and Adrian Christopher.
Technorati Tags: 7 Way To Gear Up Yourself! , Gear Up Yourself! , Gear Up Yourself
Stash: Skin-tight clothing that restricts breathing.
Try: Comfortable and practical fashion that don't require you to be a size two or a fashion victim. Utilitarian chic breathes anew with cargo shorts and big pockets and all around comfort wear.
Gear Up For: The arrival for Spanish label called Pull & Bear, known for creating smart streetwear that looks good and feels even better.
2. Crop a pixie
Stash: Wearing your hair the same way since school-days. Time for a change - you're in your 20s now!
Try: A daring 'do, like a pixie cut. It's flattering for most face shapes - heart, oval or square - and looks especially amazing on those with prominent eyes or cheekbones.
Gear Up For: Hair texturisers such as the Redken Urban Experiment line which adds depth to hair. Accentuate the piece-y look with a fantastic colour. Look out for browns and reds like Redken's Runaway Reds which will make a huge comeback.
3. Online NotorietyStash: Friendster. If a fast and easy way to gain Internet presence is what you want, this won't cut it.
Try: MySpace, a social networking website that's similar to Friendster but the difference is the cool factor. It's launched many aspiring artistes' career, such as the Arctic Monkeys and you get access to you fave pop band via e-mail. Check it out at MySpace.
Gear Up For: YouTube. Here you can film yourself doing the most inane thing and someone out there will watch it.
4. Cash Smart
Stash: Credit card debt. If it exceeds two months' worth of your pay - your finances are in dire straits.
Try: A second income stream. If you've got extra time on your hands or a unique talent, why not exploit it to earn some extra cash? There are many work-from-home opportunities involving data entry, handicraft and direct mailing - find something that suits you and you'll be able to progress towards financial freedom much faster.
Gear Up For: AmBank's NexG Prepaid Card or EON FREEDOM Prepaid Mastercard - same convenience minus the risk. This pre-paid card is the way to go for today's smart spender who doesn't want to chalk up debt. Top up your card's balance online or at any AmBank/EON branch and use it wherever MasterCard is accepted. Plus, you get bonus points, discounts plus other privileges via m-coupons.
5. Drive a Cool Compact
Stash: The need to beg a ride from your man all the time. A girl's got to have her own wheels to get ahead!
Try: Perodua's MyVi - this hot-selling car is the natural choice for every cost-conscious girl. Think about it: Every time the price of petrol goes up, the MyVi becomes that much more practical in terms of savings from fuel consumption. Besides which, its low cc also means you pay less road tax. And, because it's so affordable, you also save on insurance premiums - value-for-money all around!
Gear Up For: SMART fortwo. The SMART fortwo not only saves you money, but it also helps the environment. The new model due out this year apparently consumes a thrifty 3-4 litres of diesel per 100km, which should mean travelling from Kuala Lumpur to Penang for less than RM20 worth of petrol. There us even a gear shift indicator that tells you the most economical gear to select. True, it can only sear two people... but it's just you and your man anyway!
6. Investing in Your Future
Stash: Your savings account ATM card. To make savings plan work, you need two accounts: One for emergencies and another for savings. Keep the ATM card for the emergency account and ditch the ATM card for savings account, make it difficult to withdraw from it and forcing you to save.
Try: Investing your EPF money in a trust fund. The returns have proven very attractive, although there is associated risk. By using your EPF savings, you can invest a decent sum and potentially get better returns (2% of RM20,000 is a lot more than 2% of RM2,000!). First, decide which trust fund you'd like to invest in (view a list at http://www.fmutm.com.my/). Then, visit EPF and fill up form 9F(AHL) and nominate the fund you've decided on. The fund manager will get in touch with you to organise the details.
Gear Up For: Real Estate Investment Trusts (REITs). Similar to conventional trust fund, REITs essentially aggregate the pooled resources of thousands of small investors. But, instead of investing this money in shares, REITs buy properties. It's very new in Malaysia, but has proven its worth in other countries.
7. Personalise Your Photos
Stash: Soft copy versions of your photos. It's time to take them out of your thumb drives and PC - get them printed already!
Try: Printing on the go. Hewlett Packard's Photosmart A516 compact photo printer is ultra-light and portable. It's cute and lets you print all your photos almost anywhere imaginable - parties, reunions, sporting events, family gatherings or even on vacation. Get your photo album ready!
Gear Up For: Pixart Photobooks. Pixart will take your digital photos and turn them into professionally-made photo books for less than RM100. With a few clicks of a mouse and using the free-to-download software, you can create your own coffee table photo book or pocket book masterpiece from shared moments and give it away as a great present that beats any expensive gift idea!
About The Author:
Elsa Samuel, Ng Li Fern, Stephanie Sharon Koh, Zurien Onn and Adrian Christopher.
Technorati Tags: 7 Way To Gear Up Yourself! , Gear Up Yourself! , Gear Up Yourself
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