Issue link: https://maltatoday.uberflip.com/i/534048
Events 45 maltatoday, Sunday, 28 June 2015 The latest in the line of Chance fragrances, Chance Eau Vive is the first interpretation created by perfumer Olivier Polge with the Chanel Fragrance Laboratory. A creation that gives momen- tum, like the intense energy that drives those born under a lucky star. A vitality that is not fleeting, but rather a source of boundless dynamism. Chance Eau Vive is a concentra- tion of energy that overflows from the very first second. Grapefruit, already found in the first Chance fragrance, brings a surprising touch of bitterness. Habitually short-lived, here it settles on the skin and seems to pulse with a grapefruit-blood orange accord. Citrus fruits immediately set the fragrance's fresh and energetic tone. Gradually, one discovers jasmine and white musks, which play a key role in the Chance family, before the scent of fresh vetiver takes hold of a cedar-iris accord, like a distant echo of the grapefruit. Chance Eau Vive sweeps you up in a burst, re- vitalizes and sparks desire. For if chance won't come to you, then you must simply go find your chance... Chanel is exclusively dis- tributed by Alfred Gera & Sons Ltd Why you need to start saving now KTM, the fastest growing mo- torcycle brand in the world for the past three years, has recently become a powerful player in the bicycle industry. KTM Bike In- dustries was founded in 1964 and has been providing a wide variety of bikes with the most advanced technology and most innovative design ever since. The Chicago 27 M-Disc is a ver- satile and comfortable Hardtail Mountain Bike that was developed for beginner athletes who cannot do without the comfort and prefer a more natural position and more ergonomic driving. The frame geometry has been optimized as a leisure bike with high quality parameters and components aimed at giving you maximum longevity and durabil- ity. Featuring some of KTM's top of the line designs, the Chicago M-Disc 27 brings precision to its comfortable driving. Featuring a 27" wheel frame, this bike stands out from the crowd while being able to overcome any terrain. KTM Bike Industries develops bicycles that can comprehensively and effectively proclaim them- selves in any competition. Only components that make the bicycle lighter, better and faster become part of a KTM. Whether it is speed or comfort you are going for, the Chicago M- Disc 27 will deliver, in style. For more information on the Chicago M-Disc 27 or for local enquiries please call 2339 3102, visit our showroom at FAPI Motors, Mdina Road, Attard, or email us at info@ fapimotors.com. GO is Best TV Provider says Best Buy GO has won a Best Buy Award for offering the best value for money digital television service for both local and international tv chan- nels in Malta. The award was based on an independent survey on a representative sample of the Maltese population carried out by Swiss organisation Icertias. ICERTIAS (International Cer- tification Association), meas- ures consumers' experience and satisfaction regarding the price- quality ratio of marketed prod- ucts and services. The questions in the Best Buy Award research were open-ended and results therefore represent the personal experience and perception of consumers. Kurt Camilleri, Chief Commer- cial Officer at GO, said, "There has never been a better time to join Malta's best TV provider. GO continues to invest in both content and technology to offer the best in sports, movies and TV drama. At the same time, we de- liver a range of unique interactive services including TV Anywhere that gives customers the oppor- tunity to watch their favourite programmes from their mobile devices. Through our innovative Limitless Home Pack bundles, GO is also able to offer all of this at a reasonable price." GO's interactive TV service, offering record, pause, rewind, catch-up and restart services, is available to existing GO Home Pack customers for an additional €5 monthly. TV packages for new GO customers start from €21.99 a month. More information is available at https://www.go.com.mt/per- sonal/tv. For more information on the Best Buy Award, please, visit www.bestbuyaward.org. Chanel Chance Eau Vive – An energizing sensation First job, first paycheck – you're likely to think about how to spend the money, rather than save it. When you do put some money aside, it's probably towards a holi- day, a new car or a boat. At some point, you might think about sav- ing up to buy your own home. Sometime later, you might actual- ly do so. Further down the list, if it appears there at all, is saving for a comfortable retirement. That's not usually a priority for most starting a career, but it's something every- one should think about. Even though it seems light years away from now, there'll be a day when you stop working and will need to live on your savings and pension. Your income and the size of your savings pot at that stage will make a big difference to your quality of life. The sooner you start to invest in your own retirement, the easier it gets and the more you can put aside over the long term. Saving for retirement should ideally start from your first day in your first job. Treating it as a recurring expense means that it won't affect the amount of dis- posable income you get used to, so you can still do the things you enjoy today. There are also good reasons to start saving something immediately. Saving a little at a time but often and for longer can make a huge difference later in life. The sooner you start, the more you will have saved up when you finally retire – a day that will come sooner than you think. But what happens to the value of your money in the meantime, you might ask? Year on year the real value of money will usually fall due to inflation. Think about what a few euros can buy today and what you could get for the same amount 10 years ago. Over several decades, that shift will be magnified, which means you can buy less with the same amount of money. It might seem pointless to save rather than spend if your money's going to be worth less in the long run, but there are ways of hedging against the depreciation in the val- ue of your savings by putting your money into insurance savings or investment schemes rather than simply depositing it in a bank. When you spread savings over a longer term, rather than rushing to catch up when you're older, you can put aside a small amount at a time without reducing the overall size of your retirement pot. You can also adjust the amount you put aside regularly as your in- come and expenses change. These schemes can be set up to suit your own needs and objectives and are designed to enable small, regular savings over the long term, which reduces the financial impact on your disposable income. So without too much effort, if you start saving early, you can look forward to a pot of cash to help keep you comfortable when you retire. Yes, it really is that simple. A recent study by a Bachelor of Commerce student at the Univer- sity of Malta of 1002 of respond- ents aged 18 to 39 shows that 80% of people with an income save some money most months. Al- most 60% put aside at least €100 each month. MSV Life recom- mends starting saving as soon as possible and where possible see if your employer will help. It is pos- sible to set up a workplace savings scheme where a percentage of your salary is paid directly into your re- tirement scheme. Employers need not contribute to the scheme un- less they wish to do so. This is be- lieved to be a good incentive to re- tain staff by contributing to their long term financial wellbeing. The online calculator is available at www.msvlife.com/myfuture. For more information or person- alized planning call us on freep- hone 80072220 or send an e-mail at retirement@msvlife.com. MSV Life p.l.c. is authorised by the Malta Financial Services Au- thority to carry on Long Term Business under the Insurance Business Act, 1998. The Chicago M-Disc - a KTM bicycle for everyone