Fear and Greed

In the previous entry.. we shared about the steps to become a successful trader. If you don't read it before.. read it first..

The most important aspect of successful trading is to overcome the psychology involved. Trading is 85% mental and 15% method. Fear and greed are always emotions to overcome which if not controlled will interfere with success.

Fear

Types of fear traders experience..

Fear of losing
Fear of taking a trade
Fear of not taking enough trades and missing out
Fear of being wrong in trading decision
Fear of having to make a decision
Fear of can't control the market
Fear of can't control themselves

Fear reduces the ability to focus on objectivity. Sweaty palm and rapid heartbeat doesn't help the process of trading. These fears will sabotage the trading decision and execution process.. resulting in undesirable outcomes such as missing a trade altogether.. entering the trade late.. etc.

Greed

This is the other evil emotion of trading. What happens to a trader is that the exits after entering trade are based on greed. There is an urge of wanting to maximize the profit for every trade. Every successful trader must have a mindset of being consistently profitable which means take the profits when they are there. Nobody however good sell the top or buy the bottom of every move. Profitability will come from consistency in following trading plan and keep emotions under control. Trading is a business not Las Vegas or a roulette wheel.

Selamat Hari Merdeka

Selamat menyambut hari kemerdekaan negara yang ke-50 untuk semua..

Merdeka.. merdeka.. merdeka!!

Tag Merdeka

Blog ini telah di tag oleh Enaku. Pertama kali di tag tetapi malangnya tak dapat nak disempurnakan.. mohon maaf ye =)

Type AYA Y 6 and SMS to 36828

Vote for Muhtar Suhaili.. shortlisted nominees for Most Outstanding Youth of the Year 2007. Why you should vote for him? Because I know him.. he is my senior.. hoho :p

He was the President of SRC IIUM 2003/2004.. he also a student of Mechatronics Engineering and now he works as a Control and Automation Engineer at Shell.

"His parents were illiterate and he grew up in poverty. Now this young engineer is helping others to do well. He believes that everybody has a potential to succeed.. provided they have a 'can do' spirit. He works closely with young people including secondary school students through his motivational and inspirational talks. Indeed.. his life itself is exemplary to many who know him."

For more information.. visit these sites..

AYA Dream Malaysia Awards
Muhtar Suhaili As-Sarawaki

Real Estate Investment

In this entry.. we shared about 3 different types of income. Now.. we will discuss more on passive income.

Passive income is payments that you receive from the assets you have created. These payments usually come monthly and require little or no work for you to receive them. Passive income is what makes a person rich. If you have more than enough passive income to cover your expenses.. you are rich.

Real estate is the major source of passive income. You buy a house.. rent it.. then you will receive passive income every month. Sounds easy.. right? But it's not easy as you thought.

If you want to be success in whatever you do.. you must invest in yourself first. To be a successful real estate investor.. you need to know the real technique behind the successful investors. How? Learn from them.. ask them everything you need to know.

One of millionaire real estate investor in Malaysia will share with you his real key of success. Are you ready? Read these out..

Rule of Investing No 5
Millionaire real estate investor

Siapa Guru Terbaik?

Kita semua belajar sejak dari kecil lagi. Mungkin sejak dari dalam kandungan lagi. Kita diajar pelbagai perkara dengan harapan kita akan menjadi insan yang berguna. Sepanjang proses pembelajaran.. ramai guru yang telah menabur jasa. Antara semua.. kehidupan adalah guru yang terbaik kepada kita.

Kehidupan tidak mengajar kita seperti guru-guru di sekolah.. bercakap dan berkata-kata sepanjang masa. Jika kita melakukan kesalahan.. kita akan dihukum. Kita hanya diberi ganjaran jika kita melakukan perkara yang betul.

Berlainan dengan kehidupan.. kebanyakan masa kehidupan tidak berkata-kata. Kehidupan hanya menekan kita dari segenap ruang yang ada. Kehidupan memaksa kita melakukan kesilapan. Kehidupan mengajar kita untuk mencipta kejayaan melalui kegagalan. Setiap tekanan yang kita hadapi adalah kata-kata daripada kehidupan. Terpulanglah samaada kita memahaminya ataupun tidak.

Apabila berhadapan dengan tekanan.. ada yang mengalah.. ada yang melawan tetapi hanya sedikit yang mengambil pengajaran dan memperbaiki kelemahan lalu melakukan perubahan.

Jika tiada kekuatan.. pasti anda akan mengalah kepada tekanan. Sebenarnya anda memilih kehidupan yang selamat. Anda berusaha melakukan semua perkara dengan betul. Anda sentiasa menjauhkan diri dari sebarang masalah. Kebenarannya anda menyerah kepada keadaan. Anda membiarkan kehidupan mengawal. Jauh di sudut hati.. anda sebenarnya takut mengambil risiko. Anda ingin berjaya tetapi perasan takut dengan kegagalan mengatasi keinginan untuk berjaya. Akhirnya.. inilah jalan yang anda pilih.. terus bekerja dengan bersungguh-sungguh walaupun sedar hasilnya tidak mencukupi dan masalah kewangan menanti.

Sebaliknya.. jika anda bertindak melawan.. anda sebenarnya hanya menyalahkan orang lain dan mahu mengubahnya. Apabila menghadapi masalah kewangan.. anda mula menyalahkan gaji tidak mencukupi.. majikan kedekut.. kerajaan cekik darah dan sebagainya. Anda hanya nampak kesalahan pihak lain tanpa melihat kelemahan sendiri. Jika anda tidak mengubah pandangan anda.. inilah kehidupan yang anda lalui.. sentiasa mengejar pekerjaan yang menjanjikan pendapatan yang lebih lumayan walaupun hakikatnya masalah kewangan tetap berterusan.

Hakikatnya kehidupan akan sentiasa menekan kita semua. Cara yang terbaik biarkan saja. Jangan elakkan diri kita dari tekanan atau cuba melawannya. Apabila tekanan melanda.. sebenarnya kehidupan sedang mengajar kita. Jadi.. kita perlu memahaminya dan mengambil pengajaran darinya. Rasai dan fahami tekanan di sisi.. dalami dan perbaiki kelemahan sendiri.. pasti kejayaan bakal dikecapi dan dinikmati.

"Feel the force around you.."

"May the force be with you.."

- Master Yoda -

Unlimited Power (Part 2)

Success is not an accident. There are consistent.. logical patterns of action.. specific pathways to excellence that are within the reach of us all. We can unleash the magic within us. We simply must learn how to turn on and use our minds and bodies in the most powerful and advantageous ways.

There are seven fundamental character traits that have to be cultivated within ourself. These are the seven basic triggering mechanisms that can ensure success.

1. Passion
Passion is a reason.. a consuming.. energizing.. almost obsessive purpose that drives people to do.. to grow and to be more. It is a fuel that powers someone's success train and causes them to tap their true potential.

2. Belief
People who succeed on a major scale differ greatly in their beliefs from those who fail. Our beliefs about what we are and what we can be precisely determine what we will be.

Many people are passionate but because of their limiting beliefs about who they are and what they can do.. they never take the actions that could make their dream a reality. Passion and belief help to provide the fuel.. the propulsion toward excellence. But it is not enough.. we need..

3. Strategy
A strategy is a way of organizing resources. One must use all the resources in the most effective way possible that most likely could bring them to the desired result.

4. Clarify the Value
Values are specific belief systems we have about what is right and wrong for our lives. Great successful people always have a clear fundamental sense about what really matters.

5. Energy
Great success is inseparable from the physical.. intellectual and spiritual energy that allows us to make the most of what we have.

6. Bonding Power
Bonding power means the ability to bond with others.. the ability to connect with and develop rapport with people from a variety of backgrounds and beliefs. In other word.. you have a pleasing personality that could make you easy to work with others.

7. Mastery of Communication
Communication here is divided into two ways which are internal communication and external communication. Internal communication is the way we communicate with ourself while external communication means the way we communicate with others. The mastery of communication will ultimately determine the quality of our lives.

These seven factors or character traits link and interact with each other and these are the critical ingredient that makes the difference between the achievements of the ordinary and extra-ordinary people.

Monolog Sendiri

Perjalanan hidup ini sangat panjang
Bagaikan kembara yang tiada hujungnya
Di sini ku berdiri di persimpangan
Jauh pandangan yang kini ku renung

Perjalanan hidup ini yang mencabar
Menguji segala kekuatan
Dalam Kembara yang penuh debar
Ku berpegang jalan Mu oh Tuhan

Fikir dengan Mendalam.. Pandang Jauh ke Hadapan..

"Mampukah apa yang kita bina hari ini membawa kita ke hadapan?"

"Can what we build today take us into tomorrow?"

Saya baru tengok iklan ni malam tadi dan saya sangat sukakannya. Hari ni saya terus cari kat Youtube and share with you guys. Ini adalah iklan kemerdakaan negera yang ke-50 dari Petronas. Iklan-iklan Petronas memang sentiasa bagus dan sentiasa memberi makna yang mendalam kepada kita semua.

Dalam apa juga keputusan atau tindakan yang anda ambil.. fikirlah dengan mendalam dan lihatlah jauh ke hadapan. Jangan ambil mudah dan pandang enteng apa juga perkara yang anda hadapi. Mungkin untuk jangka masa pendek.. ianya mampu menyelesaikan masalah anda tapi bagaimana pula untuk jangka masa panjang? Fikir-fikirkanlah..

Apa pengajaran yang anda dapat dari iklan ni? Pendapat setiap orang mungkin berbeza.. lets share together..

Lose Money First.. Make Money Later..

Sedar tak sedar dah lebih setahun sejak saya mula terlibat sebagai 'futures trader'. Walaupun ada beberapa bulan yang saya tak aktif atas sebab-sebab tertentu.. kira setahun juga la since my first order ;)

A journey to become a successful trader is a long journey. Throughout the journey.. you will face a lot of difficulties and obstacles. Always remember this..

"The first step.. no shortcuts.. learn to lose money first."

Many would be market wizards set out with too high expectations. They want to become the wizard overnight. They want success NOW.. they want to make a great living trading. The reality is that trading is a multi-step process and success comes from painstaking hard work through all the steps. The steps are..

Knowing oneself
Creating the trading plan
Testing the trading plan
Making big losses (possibly wiping out whole accounts)
Making losses (tuition money)
Making smaller losses
Breaking even
Making a profit
Making a living
Making a good living
Making a great living

Hurm.. right now I'm in step no. __ hoho.. guest by your own ;p

I'm still in a learning process.. still new in trading. Ada banyak benda lagi nak kena belajar. Jom belajar sama-sama.. jom klik kat sini ;)

Biar Jasa Jadi Kenangan

UPDATE: Kedah Juara Liga Super.. menang ke atas Brunei DPMM 1-0 hasil jaringan K. Soley.

Ini adalah 'post' suka-suka demi negeri Kedah tercinta.. hijau kuning.. hoho :p

Malam ini malam penentu.. mampukah Sang Kenari terus terbang tinggi.. menjulang kemenangan kedua.. Juara Liga Super.. selepas Piala FA kita miliki..

Pulun Kedah pulun!!! Pak Long.. chaiyo chaiyo ;p

Suka sangat lagu ni.. jom nyanyi sama-sama :D

Unlimited Power (Part 1)

I have been off-line for almost 2 days due to a problem with my laptop. The technician came here yesterday afternoon and replaced the motherboard. Sounds serious right? Hoho.. I have no idea what is the problem.

Okey.. lets go back to the business..

Since I'm in a critical situation right now.. I have been advised to read Anthony Robbin's book.. Unlimited Power. Actually I already read this book before but I'm not really get it because I don't like his writing style. So.. I need to read it again and this time I kinda like it ;)

Now.. let us share the content together..

Do you know what is the common between all those successful person? Yah.. I know they are successful.. other than that please. The answer is they have POWER. Yes.. once again POWER. In this case.. power doesn't means conquering people or imposing something.

Power is the ability to change your life.. to shape your perceptions.. to make things work for you and not against you and the ultimate power is the ability to produce results you desire most and create value for others in the process. Those who have power are not just fulfill their needs but also the needs of people they care about because real power is shared not imposed.

You should realize that power is a constant in the world. You shape your perceptions or someone shapes them for you.. you do what you want to do or you respond to someone's else plan for you. So.. if you want to be successful person.. you must have power. You must direct your own personal kingdom.. your own thought processes.. your own behavior. Then.. you will produce the precise results you desire. It all coming back to you.. you decide..

There are more to be shared about this book later ;)

Three Different Ways

Kebanyakan daripada kita tidak tahu atau tidak mahu ambil tahu tentang pelbagai jenis cara untuk menjana pendapatan. Biasanya selepas tamat pengajian.. kita akan bersungguh-sungguh mendapatkan pekerjaan. Mungkin disebabkan inilah proses yang telah dimomokkan kepada kita selama ini. "Blajar rajin2.. nanti leh masuk universiti.. pastu dapat keja besar."

Tahukah anda apa yang anda kejarkan itu dipanggil 'active income'.. sumber pendapatan yang memerlukan kudrat dan keringat anda secara berterusan. Contohnya gaji atau komisyen yang anda perolehi secara bulanan.. mingguan atau mungkin harian. Tidak kisahlah samada anda adalah CEO TM atau hanya seorang kerani di TM.. hakikatnya anda tetap perlu bertungkus-lumus untuk mendapatkan pendapatan. Jika anda tidak berusaha dan ingin berehat panjang.. pasti susut pendapatan anda.

Adakah itu satu pekerjaan yang salah? Perlukah anda berhenti kerja sekarang juga? Tidak.. apa yang anda lakukan itu tidak salah dan anda tidak perlu berhenti kerja. Orang yang makan gaji juga boleh berjaya dan kaya-raya. Yang penting anda perlu sedar anda tidak akan ke mana jika anda hanya mengejar 'active income' semata-mata. Anda perlu sedar anda sekarang bekerja menambah kekayaan untuk orang lain bukannya untuk diri anda sendiri. Anda juga perlu tahu bagaimana cara untuk menggunakan 'active income' anda bagi menjana jenis pendapatan yang lain. Anda perlu mula berusaha menambah kekayaan untuk diri anda sendiri.

'Portfolio income' adalah pendapatan hasil daripada 'paper asset' seperti shares.. futures.. ASB.. mutual fund.. etc. 'Passive income' pula adalah pendapatan yang diperolehi hanya dengan bergoyang kaki. Contohnya hasil daripada asset yang anda miliki samada bisnes atau hartanah. Pendapatan ini hanya memerlukan anda bekerja untuk satu jangka waktu dan selepas itu anda hanya perlu menikmati hasilnya. Asset yang anda bina itu akan menjana pendapatan dan menambah kekayaan untuk anda. Inilah yang dikatakan "money works for you."

Sekarang anda tahu ada 3 jenis pendapatan yang berlainan. Jika anda baru menamatkan pengajian atau mungkin bakal menamatkan pengajian.. ingat.. anda ada pilihan.. bukan hanya satu jalan. Fikir-fikirkanlah jalan mana yang akan anda pilih sebagai permulaan.

Bagi anda yang telah memulakan perjalanan.. tidak kisahlah laluan mana yang anda pilih sebagai permulaan.. yang penting anda tahu bagaimana untuk mengatur perjalanan kewangan anda bagi mencapai peringkat di mana "money works you" ;)

Northern Corridor Economic Region

Today.. the Prime Minister.. Datuk Seri Abdullah Ahmad Badawi will launch the Northern Corridor Economic Region (NCER) at my hometown. Semalam.. saya dah lalu kat MADA Ampang Jajar tu masa hantar adik kat Shahab Perdana. Nampak dari luar pun macam menarik je. I definitely will go ;)

For more information.. read these..

Utusan Malaysia Online
The New Straits Times Online
The Star Online

What You Give You Get Back

Apa yang anda beri.. itu yang akan anda terima. Ini adalah konsep yang perlu kita sematkan dalam diri kita. Konsepnya sentiasa sama.. tak pernah berubah.. cuma aplikasinya sahaja yang pelbagai.

Sebagai seorang pelanggan.. jika anda hanya mengeluarkan wang sebanyak RM80 untuk menghadiri mana-mana seminar atau bengkel.. jangan bermimpi anda akan terus dapat lunaskan hutang sebanyak RM80,000.

Saya pergi 'preview FI Trader Course' pun kena bayar RM50. It just a preview.. an introduction and general briefing about F1 Trader Course. Saya sedar dan tahu tentang kandungan 'preview' tu. Jadi.. saya tak melenting atau marah walaupun apa yang saya dapat hanya sedikit. Jika saya berminat untuk tahu dengan lebih lanjut.. Saya kena la keluarkan bayaran sebanyak RM6,800. See.. this is how they set their standard. In return.. they get a very high standard customer. If you are an organizer.. you see what is the difference? ;)

Kebanyakan daripada kita hendak sesuatu yang cepat.. tepat dan mudah dengan bayaran yang rendah. In reality and legally.. you won't get that. No wonder there are a lot of people who get involved in all those 'Skim Cepat Kaya'. This is the attitude that we must change. If you want a good advice.. you must willing to pay more. So.. jangan setakat merajinkan diri membaca blog-blog percuma ni je.. rajin-rajin la berkunjung ke Kinokuniya atau MPH untuk mendapatkn bahan-bahan bacaan berbayar ;p

Secret of Rich People

Agak lama saya tak menulis. Saja nak bagi kesempatan untuk anda betul-betul 'khatam' bab 'saving' tu.. hoho ;p

Saving is very important. Sebelum anda terfikir untuk melaburkan wang anda.. anda perlu menyimpan terlebih dahulu. Sebagai manusia biasa.. memang agak susah untuk kita mendisiplinkan diri kita untuk melakukan 'regular saving'. Jadi.. jika anda tak mampu menyimpan secara sukarela.. anda perlu memaksa diri anda untuk menyimpan. Hendak seribu daya.. tak hendak seribu dalih ;)

Do you want to know the secret of rich people? It is very simple.. they know the difference between spending money and using money. So.. they know which one should be minimized and which one should be maximized. Do you know what is the difference? Please don't spell.. I know how to spell the word :p

Spending money means you give away your money. Anda membelanjakan wang anda untuk sesuatu yang menyebabkan wang anda makin sikit.. makin susut.. makin berkurang. Ayat mudahnya.. all the expenses.. doodads.. liabilities.. semua tu la.

On the other hand.. using money means you invest your money. Anda menggunakan wang anda untuk sesuatu yang menyebabkan wang anda makin banyak.. makin bercambah.. makin bertambah. In other word.. all the assets.. investments.. etc.

Soalan cepu emas.. kalau anda membelanjakan wang anda untuk membeli buku-buku Rich dad collection.. spending money or using money? ;)

Now you already know the secret. So.. you must control and try to minimize all your expenses and say no to all doodads and liabilities. Use your money wisely for increasing your assets and investments.

Gaya macam mudah je kan? Mudah kalau kita tahu rahsia dan caranya ;) So.. rasa bersemangat nak menggunakan wang anda untuk memulakan pelaburan pertama? Nak tahu apa pelaburan yang terbaik sebagai permulaan? Kita berhenti dulu.. will be continued in the next entry ;p

Wajah Baru

Blog saya berwajah baru. Penghargaan untuk 'designer' merangkap kawan lama saya.. Amni =)

Amni.. thanks a lot. Nanti pekena laksa SPU ek ;p

Kebetulan bukan satu perancangan.. wajah baru.. mudah-mudahan memberi satu momentum baru.. suntikan baru.. moga-moga saya mampu ;)

"The world is round and the place which may seem like the end may also be the beginning." - Ivy Baker Priest

Tergoda??

Malaysia Mega Sale Carnival 2007 is back started from 16th June until 2nd September. Are you shopaholic? Check this out.. 'dasatnye'..

Want to buy your children clothes and baby stuffs? looking for a new furniture for your house? Lets find out here..

Want to know more? Visit this website..

So.. how? tergoda tak? ;p

Macam menakutkan je tengok their spending habit. Saja je post entry ni.. nak test you guys tahan godaan ke tak. Luckily I'm staying at a small village.. kurang sikit godaan.. hoho ;)

We will talk about using and spending money later in the next entry.

Define.. Set Up.. Believe.. Action!!

Do you want to be rich?
Yes, I want to!
Of course I want to be rich!
Absolutely, everybody want to be rich!

Do you believe you could be rich?
I guest not.
I'm not so sure.
Emmmmmmmmmm.. maybe I could.

How do you want to be rich?
Marry a rich guy.
I don't know.
Never think about that.

Everybody want to be rich but they don't believe they could be rich and they don't know how to be rich. I'm not a rich woman but I have a dream by 20** I will be rich and I deeply believe that I could make my dream comes true. I'm also a 'never graduated' student of financial freedom school of thought.

First you must know the definition of wealth or being rich because every person has their own interpretation about this topic. Ask everyone around you how they define wealth or being rich. These answers may come along.. having RM 1 million.. owning big house and expensive car.. traveling all over the world.. etc.

According to Robert Kiyosaki.. being rich is not just about owning 1 million dollars or a piece of real estate. It is more than just that. It is about cashflow.. incoming and outflowing of money. He defined wealth or being rich as the number of days which you can survive without working. Thus.. as long as you can survive without working and able to get out of bed when you finished sleeping.. you are being rich!

Once you have clear understanding about wealth or being rich.. you may start thinking about your financial goals. Take your time and think deeply what you want to achieve in the future in term of financial aspect.

"Dream what you dare to dream. Go where you want to go. Be what you want to be. You can if you believe you can. Believe in yourself and others will too."

You must believe in whatever you dream and whatever you want to be because you are what you think you are. Lets take a look at our national football team. Everybody who are related to the team such as FAM.. manager.. coach.. players.. etc always say that we are at ranking 149.. other teams are much better than us.. we can't bet them.. we are not at the same par as them. No wonder we were thrashed by China and Uzbekistan and became the first host eliminated from the Asian Cup!

Now you already understood the meaning of wealth or being rich.. you have also set up your financial goals and you are strongly believe that you could achieve your goals. Finally.. it is time for you to learn how you could be rich and put that law of momentum into action!

"Greatness is not in where we stand.. but in what direction we are moving. We must sail sometimes with the wind and sometimes against it.. but sail we must and not drift.. nor lie at anchor." - Oliver Wendell Holmes

You won't go anywhere if you don't take action. It doesn't matter whether the action is right or wrong. If you are right you will step forward. If you are wrong you could learn from the mistake and keep moving. Sometimes you up sometimes you down. That the process that you have to face throughout the journey in pursuing your dream.

Every journey begin with the first step. If we don't take the first step.. the journey can't be started. So.. lets take our first step here..

Which One is Yours?

Hari ini saya nak bagi ‘assignment’ untuk anda semua. Saya nak anda tulis sebuah karangan bertajuk “Diari Hidupku di Bulan Januari.” Kenapa? Tak percaya? Tulis je la. Banyak tanya la pula.. Hello.. apa tunggu lagi.. mula la menulis ;)

Pada 1hb Januari.. bla bla bla..
………
………
………
………
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Pada 31hb Januari.. bla bla bla..

Dah siap? Cepatnya.. Bahasa Melayu penulisan dapat berapa masa SPM? :p

Okey.. sekarang tulis pula karangan kedua bertajuk “Diari Hidupku di bulan Februari.” Hah? Banyak? Apa pula banyak.. baru dua karangan. Nak hadiah ke tak? Nak? Pergi minta dekat orang lain :p

Pada 1hb Februari.. bla bla bla..
………
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Pada 28hb Februari.. bla bla bla..

Amboi.. ni lagi cepat siap. Senang? Senang sangat ek? Okey la.. dah senang sangat.. tulis lagi karangan tajuk yang sama untuk bulan Mac sampai Disember. Hah.. baru tahu.. tadi kata senang.. pergi la tulis.. membebel pula :p

Alhamdulillah.. dah siap semua 12 karangan. Rasa-rasa anda apa isi semua karangan tu? Apa rumusan yang boleh dibuat dari bulan Januari sehingga Disember?

Dalam proses menambah ilmu pengetahuan berguna. Bagus! Teruskan!

Sedang meneroka pelbagai cabang baru yang mampu mengubah taraf kehidupan. Mantap! Semoga berjaya!

Peningkatan perjalanan hidup yang ketara dari bulan pertama hingga akhir. ‘Superb!’ Noktah!

Hah! Sama je? Tak ada apa-apa yang menarik? Dapat gaji senyum nampak gusi.. bayar duit kereta.. rumah.. Court Mammort.. bil api air Astro.. PTPTN.. belanja makan minum.. duit sekolah anak.. bla bla bla.. poket kering hati runsing. Hmm.. no komen! :p

Sedar atau tidak inilah perjalanan hidup kebanyakan orang di sekeliling kita.. saudara-mara.. jiran tetangga.. kawan-kawan dan sebagainya. Tak kisah la samada dia seorang pegawai besar di syarikat ternama mahupun hanya seorang kuli di sebuah kedai kopi. Hakikatnya mereka tetap berlegar dalam pusingan yang sama. Bagaimana pula dengan anda? Adakah anda juga berada dalam kelompok yang sama? Tepuk dada.. baca karangan anda ;p

Sekarang zaman informasi.. dunia berlegar di hujung jari.. hanya sebilangan insan menyedari.. yang lain terus terperangkap di zaman industri. Tak salah mengaku hakikat diri.. lebih baik sekarang disedari.. daripada dibiar melarat di kemudian hari.

Ayuh.. tekadkan impian.. pasakkan keazaman.. berusaha dan berjuanglah untuk memperbaiki taraf kehidupan anda. Bukan semata-mata untuk diri anda dan keluarga sahaja tetapi untuk nikmat sekalian ummah. Bukankah lagi banyak kita miliki.. lagi banyak boleh diberi. Ingat hidup ini bukan hanya tentang dia dan anda tetapi tentang kita semua ;)

Ingin memulakan langkah pertama? Jawapannya ada di sini..

Sharing

Since I'm still new in writing.. I do need some guidances and advices from those who are master in this area. A few days back.. I asked Pakdi how did he got an idea to write something in his website and he gave me this Arabic word which has been translated into malay..

"Sesiapa yang tidak ada sesuatu tidak boleh memberi sesuatu."

I do agree with that statement. Then.. I keep wondering and asking myself whether I have something to give away. I realize that I'm not somebody who has a lot of knowledge about anything. I just an ordinary woman who has gut in sharing a few knowledge that I know will all friends out there.

Most of my friends are professionals. They are engineers.. lawyers.. programmers.. lecturers.. etc. I know that they are very busy with their daily works and they have no time to explore a new thing which might help them improve their life. Thus.. as a friend who has been given some extra time and knowledge by God.. I feel responsible to help them through my own way. Although it just a short info that need less than 5 minutes to read.. it is worthy if it could light up someone's life. Remember this word.. sharing is caring ;)

Pay Yourself First

Semalam saya berbual dengan seorang kawan yang baru 2 bulan bekerja. Bekerja di ibu kota sebagai seorang 'engineer' yang pastinya sebulan paling kurang RM2k berada dalam tangan. Tambahan pula dia masih bujang dan tinggal bersama keluarga. Tak perlu mengeluarkan duit untuk membayar sewa rumah.. tak perlu menghabiskan duit menjamu selera di luar.. tak perlu memeningkan kepala memikirkan perbelanjaan tanggungan. Tapi dia tetap juga bertanya sesuatu yang selalu ditanya. "Nape ek duit saya tak penah cukup? Hujung bulan je abes." Adakah anda juga mengalami senario yang sama seperti dia? Tepuk dada.. 'check' akaun anda ;p

Penyelesaiannya amat mudah tapi terlalu sukar untuk diaplikasi. Jika tiada keazaman hati dan disiplin diri yang tinggi.. berilah apa juga bentuk cadangan dan panduan.. pasti semuanya hanya akan tinggal angan-angan.

Ingin saya berkongsi dengan kawan saya dan juga anda semua suatu konsep yang boleh membantu meringankan bebanan kewangan anda. Konsep ini sudah popular dan mungkin anda sudah menjumpainya di mana-mana. Namun persoalannya di sini.. sudahkah anda sebatikannya dalam perjalanan hidup anda? Sekali lagi tepuk dada.. 'check' akaun anda ;p

Konsep 'pay yourself first' adalah konsep yang mengajar anda untuk menyimpan. Konsep ini sudah kita pelajari sejak kita kecil lagi. Masih ingat dulu semasa zaman kanak-kanak.. setiap kali hari raya kita sibuk menziarah seluruh pelusuk kampung dengan harapan mendapat duit raya yang banyak. Duit itu nanti bolehlah kita simpan dalam tabung. Kemudian kita boleh masukkan ke dalam bank. Kita mempunyai disiplin yang sangat tinggi pada masa itu. Kita terlalu sayang untuk membelanjakan duit simpanan kita. Mungkin kerana duit itu hasil dari titik peluh kita sendiri.. lantas kita berfikir panjang untuk menghabiskannya dengan sewenang-wenang. Kadang-kadang untuk mengembirakan hati.. kita hanya mampu mengoyangkan tabung mendengar bunyi duit bergeseran. Saat itu merupakan saat yang amat berharga. Dalam hati terdetik.. "wah.. banyak juga duit aku ni." :p

Tapi sekarang kenapa kita tidak mampu melakukan semua itu? Kita sudah dewasa.. kita bukan lagi kanak-kanak. Sepatutnya pencapaian kita perlu lebih bagus dan cemerlang. Setiap hari kita bekerja dari pagi hingga petang dan kadang-kadang perlu teruskan sehingga lewat malam. Banyak kudrat dan tenaga telah kita curahkan. Jadi.. hargailah diri anda. Berilah hadiah dan ganjaran yang sepatutnya untuk anda.

Setiap kali anda menerima gaji bulanan.. andalah orang pertama yang berhak ke atasnya. Bukannya pihak bank.. peniaga tepi jalan atau pasaraya besar.. Court Mammort dan sebagainya. Hanya anda yang paling layak memilikinya kerana anda yang bekerja keras untuk mendapatkannya. Justeru.. ambillah paling kurang 10% daripada keseluruhan gaji dan tempatkannya di dalam 'saving account' anda. Sudah pasti tiada siapa yang dapat mengusiknya melainkan anda. Jangan pula anda menyentuhnya dan mengeluarkannya sesuka hati. Biarlah duit itu terus beranak-pinak dan berkembang. Bayangkan jumlah yang akan anda miliki selepas 10 tahun.. 20 tahun dari saat anda mula menyimpan ;) Jika anda mampu melakukan langkah ini.. letakkan tangan anda di bahu.. kemudian tepuk bahu anda dan ucaplah.. "congratulation.. you have done an excellent move in your life."

Sangat mudah bukan? Takkan itu pun tak mampu anda lakukan? Malulah dengan kanak-kanak yang sentiasa mampu melakukannya ;) Secara ringkasnya.. inilah konsep yang sepatutnya anda sebatikan dalam kehidupan anda. Ingat-ingat ini selalu..

EXPENSES = INCOME - SAVING

Bukannya..

SAVING = INCOME - EXPENSES

Jangan pula..

EXPENSES = INCOME

Dan lebih membahayakan..

EXPENSES > INCOME

Selamat mencuba semua.. moga-moga konsep yang saya kongsikan di sini boleh memberi sedikit sinar baru dalam pengurusan kewangan anda dan mudah-mudahan kita sentiasa dilindungiNya dan sentiasa diberkatiNya..

True Friends

~ TRUE FRIENDS ~

As we walk our path of life
We meet people everyday
Most are simply met by chance
But, some are sent our way

These become special friends
Whose bond we can't explain
The ones who understand us
And share our joy and pain

Their love contains no boundaries
So, even we are apart
Their presence enhances us
With a warmth felt in the heart

This love becomes a passageway
When even the miles disappear
And so, these friends, God sends our way
Remain forever near

I dedicated this special poem to my best friends.. Kcik and Knjang. I'm very thankful to have you guys as true friends. I really miss both of you so much.. always love you *hugs*

Today I'm very upset with those who called themselves as friends but act the other way around. To those people.. I want you to realize that friend is not just someone who you will find when you need something. Friend is not just someone who you will sms when you want something. Friend is not just someone who you will email when you hope for something. After that.. you act as a stranger when she is no longer needed by you. You treat her seem you didn't know her before. You pretend like she never exist in your life. You try to deny her appearance in your history.

When she need you.. you give a lot of excuses. But she never count on that. She always be there for you. She always support and comfort you in whatever you do. When you are in pain and difficulty.. she come and give a hand. She help you all the way with or without your knowledge. She never hope and dream for a return in everything she did for you. It is just an honour if you could appreciate her as a friend. It is priceless if you could remember her as a friend.

I'm deeply sad and hurt right now. I hope that I never know those people. Perhaps my life will be better. I'm feel so bad. I shouldn't think that way. To those guys.. always remember that friend is more than what you have comprehended before. Friend is one of the most valuable thing in life. Hopefully you will discover it later. I wish for your success and happiness. This is a truly prayer from a friend to all friends.

Memory

K.Cik - Geng kitaorang yang masih ada di UIA.. sambung master. (rindu kt nt.. bln 8 br leh jumpa. nnt mai umah ana dok lama2 sket ek ;p)

K.Njang - Tengah chambering kat Sungai Petani. Rumah kitaorang dekat je.. selalu leh jumpa dia. (cane keja? boss garang la ke? ;p)

K.Ngah - Sambung master kat UIA. Bakal menamatkan zaman bujang. (jumpa nt bln 8 ni ek.. jom sume kita reunion kt parit buntar!)

K.Teh - PTD yang baru melangsungkan perkahwinan. (moga nt bahagia hingga ke sana =))

Pakdi - Well known already right? (dipak.. chaiyok chaiyok =))

Rosyid@Pipit - Seangkatan dengan orang di atas.. Kawan lama dari matrik. (all d best ye..)

Abg Long - Pengawai JAKIM kat Putrajaya.. (bila nk antar kad jemputan? ;p)

Bgude - Tengah chambering kat KL.. (kenduri k.teh tak sempat jumpa.. kita jumpa ms kenduri k.ngah ek..)

Deqsu - Bakal melangkah bendul.. (nk langkah bendul tu cam besa ar.. serba satu utk akak2 awk ni ;p)

Abg Ngah - Jauh kat Sabah sekarang.. pegawai JAKIM gak. (bila nk jd ayah? ;p)

Abg Cik - Ni pun kat seberang laut gak.. kat Sarawak. (awk pn nk ikut jejak langkah deqsu ek? ;p)

Kawar - Adik yang ceria sentiasa.. (bila nk jumpa? asyik comment kt friendster je ;p)

Abg Chaq - Sama negeri tapi tak pernah jumpa pun. (apesal senyap je?)

Faisal - Tak tahu la apa dia buat sekarang.. (ni sorang lg senyap gak..)

Silence

"We will remember not the words of our enemies.. but the silence of our friends." - Martin Luther King, Jr.

I almost forget that I have a blog.. maybe because I'm not really enjoy writing.. hoho ;p Writing is a new thing that I'm exploring right now and to be honest.. I do like it ;)

By the way.. I'm still new in this area and I have a lot things to be learned and improved. So.. please give me sometimes..

Rebound

“You need time to learn. You need time to make mistakes. You need time to learn from mistake. You need time to rebound back. You need time to grow.” - Pakdi

Setelah hampir 2 bulan berhibernisasi.. alhamdulillah akhirnya saya berjaya keluar dari zon merbahaya. Inilah pengalaman yang tak akan saya lupakan. Pengalaman yang mengajar saya sesuatu yang sangat bernilai. Pengalaman yang membuatkan saya lebih mengenali diri dan menghargai setiap peluang yang diberikan.

Masa untuk anda bangun dari kesilapan adalah tempoh yang paling sukar. Ia memerlukan kenyakinan diri dan keteguhan hati yang tinggi. Saat inilah yang menentukan samaada anda berjaya atau gagal dalam perjuangan yang anda tempuhi. Jika anda berada di situasi sebegini.. tekadkan keazaman diri.. mantapkan kecekalan hati.. bangun dan teruskan langkah menuju destinasi yang diimpi. Mudah-mudahan kita semua berjaya mengharungi segala onak dan duri.. Moga-moga kita semua sentiasa diberkati Ilahi..

Takdir

My favorite song always change depends on my mood and situation. Now.. I love listening to this song.. Takdir by Opick and Melly Goeslaw. The reason is because I'm in a bad and confusing situation. My mind and my heart are having a serious confrontation. I'm so sad.. Lets just feel the song..

~ TAKDIR ~

Dihempas gelombang dilemparkan angin
Sekisah ku bersedih ku bahagia
Diindah dunia yang berakhir sunyi
Langkah kaki di dalam rencananya

Semua berjalan dalam kehendaknya
Nafas hidup cinta dan segalanya

Dan tertakdir menjalani segala kehendakmu ya Rabbi
Ku berserah ku berpasrah hanya padamu ya Rabbi
Dan tertakdir menjalani segala kehendakmu ya Rabbi
Ku berserah ku berpasrah hanya padamu ya Rabbi

Bila mungkin ada luka cuba tersenyumlah
Bila mungkin tawa cuba bersabarlah
Kerana air mata tak abadi
Akan hilang dan berganti

Bila mungkin hidup hampa dirasa
Mungkinkan hati merindukan Dia
Kerana hanya denganNya hati tenang
Damai jiwa dan raga

Failure Trap

A - your starting point or current performance
B - your reference or stage that you want to achieve
T - your target period
C - your performance or achievement over time T
Grey zone - failure trap

I got this theory from TV show at NTV7. I can't recall the name of that show. Basically.. the show is a documentary of several successful CEOs in Malaysia.

I have no idea how to explain this theory. Could you understand failure trap by just looking at the above graph and the simple notes? Hmm.. I guest not right?

Ok.. I give you an example. Eddie is a a golf player and his current performance is at point A. He has a dream to become a professional golf player likes Tiger Wood who successfully performed at stage B. So.. he sets a target that 10 years from now.. he will be the next Tiger Wood and that means he aims to be at point C.

In real life.. there is no short cut or straight line. Eddie can't simply move along the straight line from point A to C but he will follow the parabolic line. Why? Because in order to be at the same stage as Tiger Wood.. Eddie needs to learn everything about Tiger Wood. How he plays.. how he exercises.. what he eats.. etc. So.. at the beginning.. Eddie will face a difficulty in trying to adopt with the new life style and for sure his performance will slightly drop before he begins to improve and finally achieves his target.

If you are down while pursuing your dream.. don't give up because that is a failure trap. It's trying to make you fail. So.. remember.. only those who can overcome the failure trap will reach their final destination successfully.

Pilihan

Jika kita hendak menuju ke suatu tempat.. ada banyak laluan yang boleh kita gunakan. Tak kisahlah apa juga laluan yang kita pilih.. yang penting kita sampai di tempat yang ingin dituju.

Sekarang saya berada di persimpangan. Saya berada di simpang tiga dan saya perlu memilih laluan mana yang akan saya lalui. Setiap laluan mempunyai pemandangan yang berbeza dan saya pasti akan mengalami pengalaman yang berbeza sepanjang perjalanan. Tapi semua laluan tersebut menuju ke arah destinasi akhir yang sama.

Saya tak pasti laluan mana yang perlu saya pilih. Saya betul-betul tak pasti dan tak kisah perlu melalui laluan yang mana. Yang penting bagi saya.. saya berjaya sampai ke destinasi akhir yang ingin saya tuju.

Justeru.. saya hanya berserah kerana saya tak tahu apa yang terbaik untuk diri saya. Saya redha dengan apa juga ketetapan yang telah ditakdirkan untuk saya. Saya hanya mampu berusaha dan menyiapkan diri dengan persediaan yang sepatutnya untuk memulakan perjalanan. Biarlah Dia yang menentukan.. kerana hanya Dia yang tahu segalanya yang terbaik untuk saya..

Doakan yang terbaik untuk saya..

"It is possible that you hate something which is good for you.. and you love something which is bad for you. Allah know and you don't know." - al-Baqarah (216)

Stress

Now.. I'm in a very stressful situation and I'm thinking to just give up. I'm seriously down right now. But I know I can't give up. This is just another obstacle that I have to face along my journey. I remember words from Dato' Maznah and I'm trying to apply her advice..

"I am transforming stress into energy" - al_qamaru

Stress is considered as a negative force. It can make our life miserable. So.. we must control our stress in a smart way. How? By transforming the stress from a negative into positive force which is energy. Lets try..

Resistance

Newton Third Law states that to every action there is an equal and opposite reaction. If you want to move forward.. there will be a resistance trying to force you backward. This is a nature of life. More resistances and difficulties come.. you are closer to your dream..

"Difficulties increase the nearer we get to the goal." - Goethe

So.. whenever you face a difficulty.. always be calm and remember that this is a part of success.

"Anyone who proposes to do good must not expect people to roll stones out of his way but must accept his lot calmly if they even roll a few more upon it." - Albert Schweitzer

My Celebrity Look-alikes

http://www.myheritage.com

Just for fun..

Dream

"I look forward confidently to the day when all who work for a living will be one with no thought to their separateness as Negroes.. Jews.. Italians or any other distinctions. This will be the day when we bring into full realization the American dream.. a dream yet unfulfilled. A dream of equality of opportunity.. of privilege and property widely distributed.. a dream of a land where men will not take necessities from the many to give luxuries to the few.. a dream of a land where men will not argue that the color of a man's skin determines the content of his character.. a dream of a nation where all our gifts and resources are held not for ourselves alone.. but as instruments of service for the rest of humanity.. the dream of a country where every man will respect the dignity and worth of the human personality." - Martin Luther King, Jr.

Everybody must have a dream. I have a dream. Do you have a dream? If the answer is no.. take your time and think deeply what you want to achieve in your life. What you want to be or what you want to have in 1 year.. 5 years and even 10 years from now. Make sure you dream is clear and specific. Plan your dream and write it down. Keep it in a place where you can always see it.. in your room.. in your wallet.. etc. share it with your loved one.. your family.. your friends.. everybody. If you already have a dream.. protect your dream.. pursuit your dream..

"To accomplish great things.. we must not only act.. but also dream. Not only plan.. but also believe.." - Anatole France

My New World

I'm a dependent person. I always need someone by my side at all times. But now I have to change because I have a dream. My dream bring me into a new world.. a lonely world. So.. I create this personal blog.. My Journal as my inspiration.. my motivation.. throughout the journey in pursuing my dream.

"It takes a lot of courage to release the familiar and seemingly secure.. to embrace the new. But there is no real security in what is no longer meaningful. There is more security in the adventurous and exciting.. for in movement there is life.. and in change there is power." - Alan Cohen

Welcome to my world.. Wish me luck.. Pray for my success..