Thursday, June 17, 2010

Prevention before It Happens.

I have some questions to ask among all bloggers.
It is a survey between workers and bosses.
Please help me and give me your valuable answers.

Please choose either one: Worker Boss



I understand some of the bloggers are housewife,
Do you think about this if your hubby cannot work?

Just to do some survey see how many people realizes this problems.
Please leave a comment.
I need your advice as well.


P/S: Don't worry i am not any kind of agent! Just want to understand more :)

41 comments:

Merryn said...

I'll choose worker - Why? Worker gets fixed salary month in month out.

Boss has to scratch head if no money to pay at the end of the month... and worry bout the expenditure, overhead and at times, ONE MAN SHOW! Work like idiot to pay the workers :P

Got choice? be a housewife :)

Merryn said...

Be a blogger that earns money shiok jugak! Happy happy shiok shiok... money in da bank :) Cheers

ChloeRuoyi said...

I choose worker. I like my job to be predictable, routined and comes with a fixed salary.

I don't mind being a boss at home though :)

wendyywy @ Table for 2 or more..... said...

I'm a worker and savings ah..
got ah, but soon all gone to my new house.
But NVM
I got pension mah!!!

manglish said...

can i be half half ar? hahahahhahaha.....see tat is why i want to be single...if kena chao yao yu oso tak takut....hahhahhahha....but seriously, unless i have something very secured plan B i wont resign and sit around waiting for job, only will resign if i oredi hv a new job waiting....or if i am a boss, no choice if businesss is really bad then chap lap lor and go find a job, but b4 chap lap oso must have work waiting oredi :)

suituapui said...

1. Your saving account more than 6 months of your salary? YES
2. If something bad happen and you cannot work anymore, what can you do?
I HAVE MY SAVINGS AND MY INSURANCE POLICIES.
3. What prevention you will do before it happens?
ALREADY. SCRIMPED & SAVED and BOUGHT LIFE & ACCIDENT INSURANCE.

suituapui said...

P.S. Btw, I'm a worker...not a boss.

Donna said...

har... i am worker..
buy insurans lo.. =.=

Donna said...

like sui tua pui said... buy insurans.. life insurans, accident, sickness and etc... =.=

Tekkaus said...

But insurance....put aside as much savings as possible. :p

uLi.佑莉 said...

I am worker also. All the while, I support woman to have their own career ge wor....and also be financially independent!

CH Voon said...

Merryn: yes, it is good to wait every end of month. But, if boss want to fire you suddenly? Boss has big responsible but he earn more money. for blogging, if you damn popular then income is good too but if not.... susah.

CH Voon said...

ChloeRuoyii agree some workers have same thinking like you. it is true but if you want more money, it is hard. I want to be home boss too.

CH Voon said...

Wendy: hehe buy new house is good but it is a commitment as well. if you not income suddenly, how u pay for the house loan? what is the solution you prepare for.

CH Voon said...

manglish: you always play safe. i guess this is apply to most of workers and bosses. as a boss, i dont think they willing to work for others after he be a boss before.

CH Voon said...

suituapui:You are great teacher and able to answer the question correctly! This is the answer for me too. This is the only way?

CH Voon said...

Donna: same apply to me. I think most of people will do this...

CH Voon said...

Tekkaus: insurance... nowadays, i realizes almost most of people not very anti insurance like before. Maybe, i need to change my job to be insurance agent gua hahaha

CH Voon said...

uLi: agree, it is better because every month not need get money from hubby.

Cynthia said...

oh... I just have to answer this... coz I have been a worker, and something 'good' happen that I have to stop work for a year.. the answer to your questions..

1. Your saving account more than 6 months of your salary? NO

2. If something bad happen and you cannot work anymore, what can you do? if I am not cripped, I can still work from home (I can bake)muahah.. if I am cripped, then my insurance is enough to survive me...

3. What prevention you will do before it happens? Hmmm... savings, insurance and continue to generate income and investment from the money you get from the insurance.. :D

CH Voon said...

Thank you Cynthia!

I will take your answer as one of my refer. But, i need to do something rather than bake :P Most of people, they bought insurance to cover them self. It is a good start, i feel lucky i did it as well.

Ghosty Nana said...

Don't put all eggs in one basket. Saving enough to survive 6 months without working, I have. If buying a house, remember to buy loan insurance too. If get fired, can just do any work while looking for suitable work.

CH Voon said...

Ghosy Nana: Agree with ur opinion. but one things we never think about it... if our ages getting old, it is very difficult to find a job...

gus said...

I'm a worker.

But my saving hasn't come to that much.

Something bad is covered with my life/saving policy and epf, fingers crossed.

Preventive measure = always stay safe and healthy, good HSE policy.

CH Voon said...

gus: i always be told to have this saving more secure. if you have family, i think epf and saving policy enough for this?

mmm not easy to stay safe and healthy boh... i know someone really care of their health but end up attack by cancer.

BoeyJoey said...

i'm a worker lo...

1. Your saving account more than 6 months of your salary? Yes

2. If something bad happen and you cannot work anymore, what can you do? if i am still able to work, i'll stay at home and sew to sell online! (my dream actualy). if i am no more able to work, i'll have to depend on my insurance & kwsp. for my kids, they have their eduplan to support their studies to some extent.

3. What prevention you will do before it happens? save more! make sure well insured. in case tai kat lai si, we already have a will to name my kids' guardian. think that's all we can do, other times take precautions/ be careful when able to... now life is more valuable when have family & kids :-).

CH Voon said...

BoeyJoey:wah... look like you are good financial mummy! I guess ur jobs scope is accountant right :p

You give me good advice! Need to figure out what is the prevention i have to do...

Thank you very much for ur advice.

~Mrs.Bee~ said...

I`m a worker..
1. Your saving account more than 6 months of your salary? Nope :(
2. If something bad happen and you cannot work anymore, what can you do? Doing own business..start money-blogging...
3. What prevention you will do before it happens? I`m planning to open my online shop soon..so if kena fired, got back-up lor.. :D

Mommy Ling said...

I a m worker.
My accounts have more than 6 mths salary.
If one day, i kenot work, i have EPF and socso to compensate.

Prevent? I guess the only thing i have is the insurance policy for myself and kids that's y i m damn pokai now!

If i dont work, where the heck i got money to buy insurance leh?

CH Voon said...

Mrs Bee: mmm look like you not prepare yet - same case same with me hehehe paiseh. Are you well prepare for it?

CH Voon said...

Mommy Ling: well, your salary more than 6 months goo! Have a good plan. Agree with you most of our money pay to insurance... same apply to me... pokai now kekeke

Kelvin said...

I can't help u...i am not working nor a boss~

Actually money is easy to earn...just tat ppl just can't be bother to use their brains. Who says u need to study and get a good job to lead a good life?

CH Voon said...

Kelvin: er... u are student? i thought you are working in Sg.

Gratitude said...

Boss, coz I;m tired of working for lousy weirdo enslavering bosses. Prevention, hmmmmm to make sure we hv enough initial capital to sustain for a long period, and to calculate every risky move. Plus, there is no shortcut to making $$$...hard work! ;)
+Ant+

Mummy Gwen said...

I'm a housewife. :P My husband is a worker.

1. Yes on husband's behalf.

2. We've been thinking to have our own business one day.

3. Insurance, savings and investment.

vialentino said...

hey bro...if wife earn more than hubby...of course ask wife to work and we become houseman....i got friends like this...is normal

CH Voon said...

Gratitude: Good spirit! Hope to you become boss soon :) sure not easy things come with great outcome.

CH Voon said...

Mummy Gwen: Good to hear that your hubby know to manage his finance. wish your dream come true. almost all the people will buy insurance!

CH Voon said...

Via: hehehe i feel not confortable if my wife work outside and i be a houseman wakakaka

Bananazஇ said...

Worker or Bozz still you need reserves to last you at least more than 6 months. Life is so uncertain, worker may lose a job and bozz's biz may bungkus. Buy sufficient insurance, save heavily or invest wisely. Mama used to say 'store enough firewood for rainy days'. To retire comfortably one need at least a million RM and its scary to know not many has even reached half the amount before retirement..tQ.

Mei Teng said...

Is this a trick question? :) Hehe..

Both have their own sets of advantages and disadvantages.