Monday Blues

Salam kepada semua... dah lama bercuti kena ler mula bekerja semula... Tapi hari ni nak mula start engine tu lambat lah sikit..maklum ler dah lama bercuti tambah pula "Monday Blues"... hehehehe... Rasanya masih tidak terlambat lagi untuk mengucapkan Selamat Hari Raya Aidilfitri Maaf Zahir & Batin kepada semua saudara mara, sahabat handai dan sesiapa yang mengenali diri ini... Ceeewaaahhh macam dalam tv ler pulak buat ucapan..

Baru-baru ni ada terbaca satu article yang rasany bagus jugak untuk dikongsi bersama dengan yang lain. harapnya kita dapat mengambil iktibar dari article tersebut agar dapat ler ilmu cara pengurusan kewangan kita dengan lebih baik...

A Blog Post by Singapore 's Youngest Millionaire

By Adam Khoo In Money |

Some of you may already know that I travel around the region pretty frequently, having to visit and conduct seminars at my offices in Malaysia , Indonesia , Thailand and Suzhou ( China ). I am in the airport almost every other week so I get to bump into many people who have attended my seminars or have read my books.

Recently, someone came up to me on a plane to KL and looked rather shocked. He asked, 'How come a millionaire like you is travelling economy?' My reply was, 'That's why I am a millionaire.' He still looked pretty confused. This again confirms that greatest lie ever told about wealth (which I wrote about in my latest book 'Secrets of Self Made Millionaires'). Many people have been brainwashed to think that millionaires have to wear Gucci, Hugo Boss, Rolex, and sit on first class in air travel. This is why so many people never become rich because the moment that earn more money, they think that it is only natural that they spend more, putting them back to square one.

The truth is that most self-made millionaires are frugal and only spend on what is necessary and of value. That is why they are able to accumulate and multiply their wealth so much faster. Over the last 7 years, I have saved about 80% of my income while today I save only about 60% (because I have my wife, mother in law, 2 maids, 2 kids, etc. to support). Still, it is way above most people who save 10% of their income (if they are lucky). I refuse to buy a first class ticket or to buy a $300 shirt because I think that it is a complete waste of money. However, I happily pay $1,300 to send my 2-year old daughter to Julia Gabriel Speech and Drama without thinking twice.

When I joined the YEO (Young Entrepreneur's Organization) a few years back (YEO is an exclusive club open to those who are under 40 and make over $1m a year in their own business) I discovered that those who were self-made thought like me. Many of them with net worths well over $5m, travelled economy class and some even drove Toyota 's and Nissans (not Audis, Mercs, BMWs).

I noticed that it was only those who never had to work hard to build their own wealth (there were also a few ministers' and tycoons' sons in the club) who spent like there was no tomorrow. Somehow, when you did not have to build everything from scratch, you do not really value money. This is precisely the reason why a family's wealth (no matter how much) rarely lasts past the third generation. Thank God my rich dad (oh no! I sound like Kiyosaki) foresaw this terrible possibility and refused to give me a cent to start my business.

Then some people ask me, 'What is the point in making so much money if you don't enjoy it?' The thing is that I don't really find happiness in buying branded clothes, jewellery or sitting first class. Even if buying something makes me happy it is only for a while, it does not last. Material happiness never lasts, it just give you a quick fix. After a while you feel lousy again and have to buy the next thing which you think will make you happy. I always think that if you need material things to make you happy, then you live a pretty sad and unfulfilled life.

Instead, what make ME happy is when I see my children laughing and playing and learning so fast. What makes me happy is when I see by companies and trainers reaching more and more people every year in so many more countries. What makes me really happy is when I read all the emails about how my books and seminars have touched and inspired someone's life. What makes me really happy is reading all your wonderful posts about how this BLOG is inspiring you. This happiness makes me feel really good for a long time, much much more than what a Rolex would do for me.

I think the point I want to put across is that happiness must come from doing your life's work (be in teaching, building homes, designing, trading, winning tournaments etc.) and the money that comes is only a by-product. If you hate what you are doing and rely on the money you earn to make you happy by buying stuff, then I think that you are living a life of meaningless .

Bertatih sebelum berlari

Assalamualaikum…dan salam sejahtera kepada semua.. Moga hari ini kita berada di bawah lindungan dan rahmat NYA. Hmm raya pun dah nak dekat sangat ..tinggal beberapa hari ajer lagi..semangat raya pun dah berkobar-kobar niee..

Sekarang ni tak banyak sangat aktiviti..maklumer bulan puasa tk boleh ler ligat sangat..lagi pun buat masa sekarang saya tengah menambah ilmu…study skit…KENAPA?? Mesti ramai yang tanyer …study sebab exam dah dekat ker..atau study untuk masuk kelas lepas ni…Teeeetttttt….. jawapanyer semua tu salah.. saya tengah study dan mengumpul maklumat bagaimana untuk menjana pendapatan tambahan dengan nama lainyer membuat pelaburan yang berisiko rendah untuk mendapatkan pulangan yang maksimum…

Waaahhhh…menarik gak tu…Saper nak tau… angkat tangan!!! Hehehehe . Saya tengah study dan mengumpul ilmu untuk memulakan pelaburan dalam emas... emas fizikal dan emas maya.. HMM...bila baca blog jutawanemas yang ditulis oleh sifu emas En Syukor dan blog pokli.. (dua blog ni sebagai rujukan utama ) betapaler ruginyer sebab tk jumpa blog ni dulu-dulu..kalau dulu lagi tau pasal pelaburan emas ni sure REMPIT...!!! beli emas ni waktu murah.. tapi sebenarnya beli emas ni tak rugi pun walaupun pada masa sekarang ni...simpan untuk long term..dan simpan untuk waktu kecemasan.

Kalau kawan-kawan nak tau pasal pelaburan emas ni boleh ler melawat blog-blog yang dinyatakan di atas..cari ilmu dulu sebelum amalkan....sebab BERILMU TANPA BERAMAL ITU SIA-SIA dan BERAMAL TANPA BERILMU ITU GILA!!! So... jangan ler jadi org yang hidup sia-sia dan gila.... Saya akan cuba berkongsi ilmu dengan kawan-kawan semua didalam blog ini...isyaallah...doakan yang terbaik...

Raya ni dah planing untuk jumpa POKLI nak mintak tunjuk ajar pasal ilmu emas ni..isyaallah nanti bila ada waktu dengan sifu En Syukor plak...dan sekarang ni juga tengah mengumpul modal untuk memulakan pelaburan dan simpanan dalam emas ni....doakan saya..agar cepat-cepat dapat kumpul modal, cepat cepat dapat beli emas..cepat-cepat dapat buat eset..disamping itu dapat berbakti kepada orang lain....amin...

Di manakah kita saat ini?

Assalamualaikum semua..

Hari ni dah masuk 24 hari umat Islam berpuasa... Minggu lepas bila PM umumkan bahawa tahun ni tak ada bonus raya..ramai ler kengkawan yang tarik muka masam.. pening kepala gamaknyer bonus tak da untuk raya jadi perbelanjaan raya limited skit ler... Sebenarnya tak payah nak risau kalau kita bersyukur dan redha mesti hati kita tenang tak ler serabut dalam kepala ni..cuma yang penting mesti planing betul-betul apa yang perlu di beli... kena ler bezakan antara kehendak dan keperluan baruler tak "over budget"

Dalam kita dok sebok buat persiapan nak raya ni pernahkah kita terfikir adakah mungkin ini ramadhan terakhir buat kita...kalau benar.. apa tindakan kita?? Dah cukup kah bekalan dan persediaan kita untuk ke sana adakah sehebat persediaan kita untuk sambut hari raya yang bakal menjelang beberapa hari lagi...???? LU PIKIR LAH SENDIRI!!!

Tapi....harus di ingat tinggal beberapa hari ajer lagi bulan ramadhan..jangan lupa pulak bayar zakat fitrah...dan berbanyakan sedekah moga-moga amal ibadah kita diterima ALLAH.. amin....Sampai jumpa lagi..take care semua...