Rich Vs Poor

1. Rich people believe “I create my life.” Poor people believe, “Life happens to me.”
2. Rich people play the money game to win. Poor people play the money game to not lose.
3. Rich people are committed to being rich. Poor people want to be rich.
4. Rich people think big. Poor people think small.
5. Rich people focus on opportunities. Poor people focus on obstacles.
6. Rich people admire other rich and successful people. Poor people resent rich and successful people.
7. Rich people associate with positive, successful people. Poor people associate with negative or unsuccessful people.
8. Rich people are willing to promote themselves and their value. Poor people think negatively about selling and promotion.
9. Rich people are bigger than their problems. Poor people are smaller than their problems.
10. Rich people are excellent receivers. Poor people are poor receivers.
11. Rich people choose to get paid based on results. Poor people choose to get paid based on time.
12. Rich people think “both.” Poor people think “either/or.”
13. Rich people focus on their net worth. Poor people focus on their working income.
14. Rich people manage their money well. Poor people mismanage their money well.
15. Rich people have their money work hard for them. Poor people work hard for their money.
16. Rich people act in spite of fear. Poor people let fear stop them.
17. Rich people constantly learn and grow. Poor people think they already know.

Start Right Now!

These three words can revolutionize your life:

START RIGHT NOW

and change your life...

The tendency is to NOT do things.
The tendency is to procrastinate.
The tendency is to stay in our comfortable ruts.
How has staying in your rut been working for you so far?

The road to financial freedom are easy. BUT, it’s easier to NOT do them.
If you do NOTHING different, where will you be in 1 year? 5 years? 10 years?
If you continue on the path you are on right now, will you be better off or worse off?
Think back 5 years. It doesn't seem too long ago, does it?
The next 5 years are coming, whether you do anything to improve your life or not.

Ask Yourself These Important Questions...

If I don't change anything, if I don't do something to take control of my financial future...
How will my life be different in 5 years?

5 years from now, do you want to be like you are now, or do you want to be further down the financial freedom? Successful people are successful because they do the things that others don’t do or won’t do. Learn from the success of others.

Revolutionize your life.

You CAN do this.

Changing personal finance habits leading to financial freedom is a process, not and event.
However... it takes a decision to begin down that trail.

Start Right Now!

Wassalam.

Free Suze Orman's 2009 Action Plan

Sorry I’m late posting this but there’s still time left. Download Suze Orman’s new book for free from Oprah.com. You have only today (15 Jan)until 11:59pm US time.

Wassalam.

Tercipta Untukku

This song by Unggu is dedicated to my beloved wife... who will always standby me.. up or down. U know who u are... not even death can do us part. I love U!

If I can rearrange the A,B,C... i will definitely bring I next to U.
A B C D E F G H J K L M N O P Q R S T I U V W X Y Z

Menatap indahnya senyuman di wajahmu
Membuatku terdiam dan terpaku
Mengerti akan hadirnya cerita terindah
Di saat kau peluk mesra tubuhku
Banyak kata yang tak mampu
Ku ucapkan kepada dirimu

Aku ingin engkau selalu
Hadir dan temani aku
Di setiap langkah
Yang meyakiniku
Kau tercipta untukku
Sepanjang hidupku

Meski waktu akan mampu
Memanggil seluruh jiwa ragaku
Kuingin kau tahu ku slalu milikmu
Yang mencintaimu sepanjang hidupku

8 Steps To Become A Millionaire

You don’t have to own the company or be a CEO. Here’s how to build a rich nest egg one paycheck at a time.

By Kiplinger’s Personal Finance Magazine

A number of the people profiled in “Millionaires tell how they did it” made their millions as entrepreneurs. But working for the Man doesn’t mean you have to be a wage slave or resort to buying lottery tickets to strike it rich. The trick is to maximize your income on the job (and know when to move on), make the most of your employee benefits and tax breaks and use that extra money to start investing.

1. Keep your eyes peeled for better ways to do your job. Streamline a procedure, shave costs, create a new profit center, become an expert on a specific topic, volunteer for a company committee — anything that will make you stand out as a prime candidate for a promotion or a pay boost.

2. Don’t be afraid to negotiate. In a study of master’s degree graduates from her university, Carnegie Mellon economics professor Linda Babcock found that those who negotiated their first salary boosted their pay by 7.4% compared with those who didn’t bargain.

3. Get your ducks in a row and your numbers on paper. If possible, quantify how much your efforts add to the company’s bottom line. If that’s not feasible, spotlight your value with comparable salaries for workers in your position from a Web site, such as Salary.com, or from a professional association.

4. Plot your strategy when it’s time to move on. Create a professional-looking page on Facebook that tells prospective employers why you’re an exceptional candidate, recommends John Challenger of the outplacement firm Challenger, Gray & Christmas. And don’t neglect more conventional networking: Join a professional association or show up at school reunions toting business cards.

Invest like crazy

5. Don’t delay. The quicker you get a jump on putting money aside, the easier it will be to stuff a seven-figure cushion. If you start at age 25, for example, investing $286 per month will get you $1 million by age 65, assuming you earn 8% annually.

6. Invest automatically, either through your employer’s retirement plan or by setting up a regular deposit to a mutual fund or broker. You’ll never miss the money, and you’ll avoid two big mistakes: buying too much when stock prices are high and not buying at all when prices fall.

7. Watch for fund fees. The more you pay, the tougher it is to earn an above-average return. The typical hedge fund, for example, takes 20% of any gains, a huge hurdle to overcome. A better bet: no-load mutual funds with expense ratios of 1% or less. If you trade individual stocks, watch those commissions.

8. Keep it simple. Be wary of get-rich-quick schemes or sales pitches for complex investments, such as oil-and-gas partnerships, that trade on the millionaire cachet to lure investors into buying high-fee products they don’t understand. Most millionaire households accumulate their wealth over the long term by sticking to a regular investing plan in a balanced portfolio.

Wassalam

Income Tax Calculator

Dah tiba masa yg dinanti, masa yg ditungggu.. setiap tahun, anda akan terima borang cukai drp LHDN. How do feel? Malas, leceh... bla bla!

A lot of people never budgeted the income tax payment, because we thought PCB is enough to cover the tax by year end. But in reality, we often have to top up. Utk menyenangkan pengiraan cukai, u all boleh guna Income Tax Calculator 2008 ni... saya terjumpa kat blog AttaHun. Special thanks to him for sharing this spreadsheet.

Wassalam.

10 useful tips to reduce household expenses

• Use household products instead of commercial cleaners. Vinegar, baking soda, toothpaste, lemons and household ammonia are excellent substitutes for cleaning kitchen and bathroom surfaces.
• Buy in bulk.
• Choose “reusable” rather than “disposable”.
• Lower the power bill by reducing energy wastage. Replace incandescent bulbs with compact fluorescent lights.
• Use washing machines for full loads only. They consume as much energy running a small load as a full load.
• Ironing several items of clothing in one session is more cost effective than ironing them individually at different times.
• Lower the water bill by reducing water wastage. Use water-saving faucets, showerheads and toilet tank. Water the lawn at night or early in the morning to minimize loss from evaporation. Rain harvesting is another good method to reduce water bill.
• Invest in energy efficient appliances.
• Keep dirt out to minimize cleaning and related expenses. Close windows on windy days to minimize dust, lay doormat to catch dirt from outside.
• Use tints, shades, blinds or drapes to reduce transfer of heat through glass windows. Hence, minimize cooling cost.

Wassalam.