Friday, March 7, 2008

It's Never TOO LATE!

Tak kisahla kita ambil masa berapa lama pun; 2 tahun maupun 20 tahun, kita tak penah terlambat selagi mau BERTINDAK! Berubahlah selagi mampu, selagi perlu, kerana kemampuanlah keperluan sentiasa mencukupi, tapi kemahuan tak selalu dipenuhi. Jadi buat apa tunggu-tunggu lagi?? Nak tunggu boleh jugak, tanya mak, tanya bini, tanya suami, tanya anak, tanya kawan, tanyala siapa pun yang boleh tanya - Dah tau jawapannya: JANGAN! TIDAK! TAK PAYAH! BETUL KE? BOLEH PERCAYA KE?

p/s: Buatla apa bisnes pun, asalkan sungguh-sungguh buat sampai jadi!

Pastikan anda klik link ini ~ Program KelabUE

Friday, February 15, 2008

Thursday, February 14, 2008

Ten Traits That Make You Filthy Rich

Saving money isn't all about whether or not you know how to score screaming bargains.

It has more to do with your attitude toward money.

Just think of those who don't fit the filthy-rich stereotype. People like Warren Buffett.

As explained in the book The Millionaire Next Door by Thomas J. Stanley and William D. Danko, personal finance has as much to do with people's traits as it does with money. Many millionaires, in fact, have frugal ways.

Understanding how personal traits can influence your finances is an essential ingredient for building wealth.

Here are 10 key traits:

1. Patience

Patience is one of the most important traits when it comes to saving money.

This means waiting until the first wave of product hype has passed, keeping a car for an extra few years before getting another one and waiting until something you want fits into your budget instead of putting it on credit.

Patience is often the difference between creating savings and being in debt. Having the patience to wait until you find a good deal is a cornerstone of good finances.

2. Satisfaction

When you're satisfied, there is no reason to spend money on nonessentials. The sole purpose of commercials is to make you believe that buying a product or service will make you happier, wealthier, better looking or improve whatever isn't bringing you satisfaction.

People spend because they want to capture the excitement shown in advertisements. When you are satisfied with what you have and your life (not trying to live like those on TV), your finances will be in a lot better shape.

3. Organization

Being organized can make you more productive and ensure that all the many issues pertaining to personal finances are addressed.

It means not paying late fees, not buying two of everything, knowing deadlines that can affect your finances and getting more done in less time. All these can greatly benefit your finances.

4. Discipline

You need the discipline to continue to save money for specific, long-term goals every month.

Personal finance isn't a way to get rich quick, but is a disciplined execution of your lifetime plans.

5. Reflectiveness

It's important to be able to look at your financial decisions and reflect on their results.

You're going to make financial mistakes. Everyone does.

The key is to learn from those mistakes so you don't make them again, or recognize if you keep repeating them.

6. Creativity

The economy and our earnings don't always match our expectations.

Unexpected developments wreak havoc to elaborate financial plans. When this happens, changes are needed to deal with the new circumstances. Creativity is essential to accomplish this.

Creativity allows you to make something last longer rather than purchasing it when you don't have the money. It means juggling money to stay out of debt rather than simply paying with a credit card. It means finding a cheaper alternative when money is tight.

In these ways, creativity plays a large role in keeping finances in order.

7. Curiosity

Having curiosity helps you learn, study and improve yourself.

The curiosity of wanting to know more, to take the time to study and then take what is learned and put into practice is an important process that is driven by curiosity.

8. Risk-Taking

To build wealth, one needs to be willing to take risks. This doesn't mean uncalculated risks. It means weighing all the options and taking calculated risks when appropriate.

The stock market has risks involved, but over the long term, history shows that it provides good returns on money that is invested wisely. Those who fear risk altogether end up saving money in accounts that likely lose money to inflation in the long run.

9. Goal-Oriented

The importance of setting and working toward goals is obvious. If you don't know where you are going, it's difficult to get there. It helps your personal finances immensely if you have money goals and are motivated to reach the goals that you have set for yourself.

Those who lack goals don't have a road map to take them to the financial destination they want.

10. Hard- and Smart-Working

Creating wealth and staying out of debt rarely comes about without a lot of hard work.

Many people might hope that the lottery will solve all their financial problems. The true path to financial freedom, however, is to work hard to earn money while educating yourself to continue to have more value and increase your salary.

You may not possess all of the above traits. But knowing them can help you make changes so that you nourish the ones that you have and obtain the ones you're missing.

Ultimately they will help you with your personal finances and create a plan to accumulate the wealth you desire.

Pastikan anda klik link ini ~ Program KelabUE

Wednesday, February 13, 2008

Entrepreneurs vs Employees

Ingat lagi tips extra saya bulan lalu, mengenai pentingnya
berbahasa inggeris.. Sebabnya kalini saya nak post 1 artikel
oleh Robert T. Kiyosaki yang saya ambil dari internet.. Saya
pun bukannya pandai sangat speaking ni, tapi takpela kita
skipping perlahan-lahan..

In 1983, the Harvard Business School published "A Perspective
on Entrepreneurship," a paper that defined the differences
between entrepreneurs and employees. This paper, written by
Professor Howard H. Stevenson, is one of the most articulate
articles on this particular subject that I have read. While many
differences were examined, I found two in particular to be
especially insightful.

The first difference between entrepreneurs and employees is:

1. Employees are resource-oriented. Entrepreneurs
are opportunity-oriented.

A person with an employee mindset might say, "I would start
my own business but I don't have the money." Or "I'd love to
invest in that piece of real estate, but I don't have the down
payment." In both of these examples the person focuses on
their resources--in this case their lack of money, rather than
the opportunity.

In a similar situation, a person with an entrepreneur's mindset
might say, "Let's start the business and we can finance the
business from the cash flow." Or "Tie up the property and we'll
find the money later."

My poor dad was a man who saw many opportunities, but failed
to act on them simply because he was resource-oriented. Instead
of taking action, he often said, "I wish I could do it, but I can't
afford it." Or "I would go into business for myself, but I need a
steady job. I have a mortgage and you kids to feed."

My rich dad (my best friend's father, an entrepreneur who taught
me a lot about how the rich think about money) was a man who
started with nothing, but eventually became one of the richest
men in Hawaii. Today, when you look at Waikiki Beach, you see
some of the biggest hotels along the ocean on land his family owns.
He said, "If you do not have resources, you need to become
resourceful." That is why he forbade his son and me from saying
the words "I can't afford it." He said, "Poor people say 'I can't afford
it.' That's why they're poor." Instead he insisted we learn to say,
"How can I afford it?" He believed that when we said, "I can't afford it"
our minds were turned off and went to sleep. When we asked
ourselves, "How can I afford it?" our minds, our greatest resource
of all, were turned on and put to work.

The second difference between entrepreneurs and employees is:

2. Employees prefer to manage via hierarchical structures.
Entrepreneurs manage via networks, utilizing the resources of other
people and organizations.

This means that employee-type leaders would rather hire people
and bring their talent "in-house." Rather than have an outside firm
do their creative work, an employee-type leader would prefer to
hire the talent and have them under their control. While there are
economic reasons for doing this, the report stated that the primary
reason is control. This is because employees gravitate to a leadership
style that is more suited to a military command-and-control type of

My poor dad was successful in the hierarchical structure of the
government, eventually rising to the top of the educational system
as Superintendent of Education and running for Lieutenant
Governor for the State of Hawaii. After losing that race--and his
position as Superintendent of Education--he tried his hand at
entrepreneurship. He purchased a national ice cream franchise
that failed in less than a year. Why? While the reasons were many,
one reason was his leadership and management style. When he said,
"Jump"... no one jumped.

Instead of the military's command-and-control leadership style,
my rich dad used a more cooperative and collaborative style of
leadership. He encouraged his son and me to learn to lead and
manage people who are not required to follow our orders--people
who did not need to jump when they heard the word "Jump." Rather
than hire people and bring them in-house, rich dad networked with
other people and organizations, which tended to reduce his costs and
at the same time increase his resources and influence in the marketplace.

Today, The Rich Dad Company follows my rich dad's advice. Instead
of becoming a stand-alone publishing house, we choose to cooperate
via a joint venture agreement with The Time Warner Book Group, as
well as licensed publishers around the world who offer our books in
43 languages. In this way, we keep our core staff small, yet we utilize
the thousands of employees of publishers around the world.

But leveraging the assets and resources of partners is not enough. It's
important to choose the right partners--ones who are aligned with
your goals and values. Choosing the right partners can make the
difference between success and failure--as I've learned the hard way.

As The Rich Dad Company has grown, we have worked with partners
who have opened doors to opportunities that were much greater
than what we could have been able to pursue on our own. In an
entrepreneurial spirit, we formed alliances with major media
organizations and international promotion firms that leveraged the
Rich Dad brand with their worldwide networks.

In doing so, we--as entrepreneurs--stay small, yet increase market
share by cooperating rather than competing... by networking rather
than hiring employees and bringing work "in-house."

In 1989 the world changed. That's when the Berlin Wall came down
and the World Wide Web went up. Instead of a world of walls, we
became a world of webs... networks of people working cooperatively
rather than competitively. It is a special honor for me to be
recognized by, a pioneer in the brave new world of the
web, founded by a great entrepreneur, Jeff Bezos. We at The Rich Dad
Company join in celebrating Amazon's successes and salute your
leadership in this world of webs rather than walls.

There are key, fundamental differences between the mindset of an
employee and the mindset of an entrepreneur. One of the great
things about this world of webs is that the world is now open for
business to billions of people who choose to think as entrepreneurs--
rather than employees.

Pastikan anda klik link ini ~ Program KelabUE

Tuesday, February 5, 2008

Tips bulan ini: Jangan takut kepada KEGAGALAN!

Sering kali kita dengar kisah mengenai kejayaan. Bulan ini,
saya hendak ubah haluan sedikit - saya akan ceritakan kisah


Kegagalan jarang sekali ditekankan dalam motivasi, walhal,
terdapat lebih ramai mereka yang gagal berbanding dengan
mereka yang berjaya!

Namun begitu, tahukah anda, 98% daripada self-made millionaires
hari ini pernah gagal? Ya! Kegagalan adalah sebahagian daripada

Punca utama seseorang tidak mencapai kejayaan adalah kerana

Fahami betul-betul ayat saya di atas. "Takut kepada kegagalan"
adalah sebab utama seseorang tidak mencapai kejayaan. Bukannya
"Gagal adalah punca utama tidak mencapai kejayaan"

Apabila anda takut kepada kegagalan, anda akan menghalang diri
anda mengambil langkah pertama. Langkah utama dalam
mencapai apa-apa kejayaan. Sekiranya anda berada dalam keadaan
"Takut kepada kegagalan" ketahui bahawa itu adalah benteng utama anda.

Bagaimana hendak melepasi benteng tersebut? Ikut kata-kata NIKE,
just do it! Kalau nak DUIT, anda perlu DO-IT!

Terlalu banyak kisah-kisah kegagalan mereka yang berjaya boleh
dikongsikan. Antara kegemaran saya adalah kisah seorang pemain
baseball di Amerika Syarikat pada tahun 70-an. Namanya adalah

Babe Ruth

Babe Ruth ketika itu merupakan pemain yang paling banyak sekali
membuat home-run (larian dengan markah tertinggi di dalam
baseball) ketika
itu. Tiada siapa boleh menandingi rekod Babe Ruth
yang membuat home-run.

Namun begitu, Babe Ruth juga merupakan pemain base-ball yang
paling banyak sekali struck-out (terpaksa keluar oleh kerana
pukulan tidak mengena bola!) - lebih daripada 1,300 kali!

Setiap kali Babe Ruth tidak mengena bola, beliau akan senyum
sahaja. Apabila ditanya wartawan sukan kepada
Babe Ruth,
mengapa beliau senyum setiap kali tidak mengena bola, jawabnya
"Setiap kali hayunan saya gagal mengena bola, ia bermakna makin
hampir hayunan saya akan mengena bola dan akan mendapat
home-run untuk pasukan saya tidak lama lagi!"

Pemikiran Babe Ruth adalah, lagi banyak kali beliau mencuba
walaupun gagal, lagi hampir dirinya akan mencapai kejayaan
dalam mendapatkan home-run!

Fikiran beginilah yang perlu ada oleh semua dalam mencapai
kejayaan. Kegagalan bukan bererti anda yang gagal secara peribadi,
tetapi, ia bermaksud makin hampir anda akan mencapai kejayaan.

Fikirkan kisah-kisah ini pula:

-Genius Albert Einstein, hanya boleh bercakap apabila umurnya 4

-Saintis Isaac Newton sering gagal ketika sekolah dan diberi
gelaran oleh guru-guru sebagai murid yang "tiada harapan"!

-F.W Woolworth ketika berumur 21 tahun bekerja dikedai runcit
sering dimarahi oleh pemilik kedai sebagai "seorang yang tidak
pandai menjual!". Kini, Woolworth adalah antara rangkaian
pasaraya terbesar di
United Kingdom!

-Pengasas Disneyland, Mr Walt Disney ketika bekerja di syarikat
akhbar pernah dimarahi oleh editornya oleh kerana "Tidak
mempunyai imaginasi dan tidak pernah mempunyai idea yang bernas"!

-Michael Jordan, pemain basketball terulung pernah dikeluarkan
dari pasukan basketball ketika di sekolah menengah!

-Thomas Edison, pencipta lampu mentol pula ketika sekolah sering
dimarahi oleh gurunya dengan "Seorang murid yang terlalu bodoh
untuk pelajari apa sahaja"!

Tidak habis lagi kisah Thomas Edison, tahukah anda Thomas Edison
juga gagal dalam lebih 1,000 eksperimen dalam mencipta lampu
mentol sebelum menjumpa formula sebenar cara menyalakan
lampu mentol!

Adakah ikon-ikon di atas pernah mengalah dan berhenti daripada
melakukan apa yang mereka percaya? Sudah tentunya tidak.

Kegagalan adalah sesuatu yang pasti dilalui oleh setiap insan
dalam mencapai kejayaan. Apa yang membezakan mereka yang
berjaya kini dan mereka yang tidak adalah, mereka yang berjaya
melihat kegagalan sebagai peluang untuk belajar supaya kegagalan

tersebut tidak diulangi. Apabila jatuh, mereka akan bangun semula!

Pastikan anda klik link ini ~ Program KelabUE

Saturday, January 19, 2008

Tips (extra) bulan ini: Pentingnya berbahasa Inggeris

Dalam perniagaan zaman sekarang ni, kemahiran berbahasa
Inggeris memang penting. Dulu lain, sekarang lain. Dulu kita
boleh get away kalau tak fasih English. Zaman sekarang tak boleh...

Khas untuk mereka yang kurang sikit dalam bahasa Inggeris, tak
boleh guna lagi alasan... "Mendiang Lim Goh Tong tak pandai
berbahasa Inggeris pun boleh berjaya dalam perniagaan sampai
jadi billionaire!"

perhatikan anak-anak Lim Goh Tong yang menerajui Genting
kini... adakah mereka juga tidak pandai berbahasa Inggeris? Sudah

tentunya tidak!

Zaman ini, zaman ICT, bagi mereka fasih berbahasa Inggeris,
memang mempunyai banyak peluang perniagaan berbanding
dengan mereka yang tidak fasih. Lihat sahaja keliling.

Sekiranya anda tak berapa pandai "speaking", satu latihan yang
anda boleh mula dari sekarang adalah, ambik buku yang menarik
minat anda berbahasa Inggeris (tak kira, nak guna buku motivasi
ke, buku perniagaan ke... komik pun boleh), bila membaca, baca

Bukan maksud saya baca kuat sampai jiran rumah sebelah boleh
dengar. Baca "bersuara" lah katakan... perlahan pun tak mengapa
asalkan suara keluar.

Cara ini adalah untuk menjadikan mulut & suara kita lebih fasih
apabila bertutur dalam English. Kalau kita baca dalam hati sahaja,
bibir & mulut kita tidak "exercise" sama. Tetapi, kalau baca
bersuara, ia akan melatihkan mulut anda untuk lebih lancar
berbahasa Inggeris... secara automatik grammar dan sebagainya
akan sebati dalam pertuturan anda.

Belum cuba belum tahu! tak pandai skipping takpe... jangan tak
pandai speaking pula... :) perlahan-lahan dalam berlatih, lepas

ni boleh ganti Ryan Seacrest!

Pastikan anda klik link ini ~ Program KelabUE