Quote Hari Ini

 " Kita Bagi Job Kat Dia, Sebab Dia Memang Layak Dan Bagus, Bukan Sebab Kasihan Kat Dia"

Selalunya kita tolong orang ni , sebab kita kasihan kat dia, nak bagi dia kerja, bantu dia sebab nampak dia macam orang susah, tolong sebab dia sebangsa dengan kita, sebab sedara mara ipar duai kita..

Jawapannya SALAH!!

Sebab - 

Pengalaman 1 - Tolong sebab sedara mara nak sewa rumah kita, kurangkan harga sewa akhirnya kita tanggung rugi installment bulan2 sebab dia duduk sampai ke sudah.. Xde arah la..

Pengalaman 2 - Tolong sebab nampak member kita susah, gi rumah dia sofa pun takde, kita ajar dia pandai dan tahu, akhirnya dia jadikan kita pesaing dia. Pulak tu Claim Sifoo Masta.. Haiyya..

Pengalaman 3 - Tolong sebab sama bangsa kita, suh dia wayering, akhirnya wayering delay 2 bulan - Dia gi kempen politik. Habis kerja dia baru dia buat kerja kita.. mampuih

Pengalaman 4 - Tolong member sebab nak bantu dia kerja REN, tau dia kurang job kita suh handle jual rumah kita, akhirnya dia mark up tanpa pengetahuan kita. Dah kantoi baru nak mengaku. Siap bagi dan tukar kunci rumah kat owner baru walaupun urusan jual beli belum siap. Adehh..

Pengalaman 5 - Tolong sebab sama bangsa buat rumah, akhirnya tiga bulan baru siap, Dia gi buat rumah orang lain 3, 4 buah sekaligus. Rumah kita last bila dia siapkan rumah orang lain dulu.. harga bayar sama.. choii

Kesimpulannya, kalau nak lantik tu pastikan memang track rekod dia bagus....

10 Tips Orang Berjaya

10 HABITS OF VERY SUCCESSFUL PEOPLE

- Habit 1: Speed Reading

Way to start?

Begin by training yourself to read 15 pages of a book every day, and you'll notice quick changes.

- Habit 2: Imagination

Way to start?

Read books like "Psycho-Cybernetics" by Maxwell Maltz, "Think and Grow Rich" by Napoleon Hill, and "As a Man Thinketh" by James Allen.

- Habit 3: Prioritization

Way to start?

Identify one important task for yourself today and do it immediately. Don't forget to set time limits for your goals. Limitation will drive you to act quickly to accomplish them.

- Habit 4: Money Management

Way to start?

Read classic financial management books like "The Richest Man in Babylon" and "The Millionaire Fastlane" by MJ DeMarco.

- Habit 5: Early Rising

Way to start?

Wake up one hour earlier every day, and you'll gain an extra 365 hours in a year – that's over 2 weeks! So, what are you waiting for? Set your alarm clock.

- Habit 6: Goal Setting

Way to start?

Write down your goals. Write them all out and follow them every day. Those who write down their goals tend to earn double compared to those who only think about them.

- Habit 7: Exercise & Diet

Way to start?

Make sure to exercise every day, and it's best to do it in the morning.

- Habit 8: Self-awareness

Way to start?

Always ask yourself why you're happy, sad, or what the real causes are. Resolve negative emotions from the root and maintain or create positive ones.

- Habit 9: Networking

Way to start?

Connect with people who share your mindset. Read books on basic social skills like "How to Win Friends and Influence People" by Dale Carnegie and master excellent communication skills.

- Habit 10: Virtues

Way to start?

Establish strict rules for yourself. Success will come when you follow them. Read these rules every morning when you wake up and live by these ideals.

20 Never For Life...

20 Things to never do in life

1. Never neglect your health.

2. Never get married for sex.

3. Never quit your dreams.

4. Never spend more than you earn.

5. Never ignore your parents.

6. Never be pessimistic.

7. Never forget who helped you in tough times.

8. Never please people.

9. Never put work over family.

10. Never let anyone control your life.

11. Never spend a day without a to-do list.

12. Never repeat a mistake.

13. Never discuss your secrets with anyone.

14. Never spend money spontaneously.

15. Never hesitate to ask.

16. Never text anyone back to back.

17. Never idealize celebrities.

18. Never remain friends with your Ex.

19. Never have high-interest debt.

20. NEVER GIVE UP.

5 Tips Dave Ramsey

5 Keys to Building Wealth

1. Live on a budget.

- If you want to build wealth, you have to plan for it.

2. Get out (and stay out) of debt.

- Your most powerful wealth-building tool is your income.

3. Live on less than you make.

- Do you want to act rich or actually become rich?

4. Save for retirement.

- Invest 15% of your gross income into retirement accounts.

5. Be outrageously generous.

- True financial peace is living and giving like no one else.

Rumah Mesra Rakyat

Rumah Mesra Rakyat (RMR) 2024

Harga – RM75K

Subsidi kerajaan – RM20K

Yang perlu dibayar – RM55K

Kalau buat loan 16 tahun – Anggaran RM300 sahaja tiap bulan

Cara-cara apply bantuan rumah mesra rakyat

1. Wajib ada tanah sendiri

2. Pergi SPNB

3. Ambil borang dan isi.

4. Masa mohon di SPNB, beritahu nak reka bentuk rumah yang mana satu. (Kalau nak cetak gambar ni silakan)

Kalau nak tahu cara mohon boleh rujuk sini –> https://www.blogrojak.com/rumah-mesra-rakyat-2024/

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FIRE

Financial Independence Retire Early

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Buku ni adalah buku yang sedang aku baca..

Buku berkenaan Money Matter...

Tentang prinsip kewangan..

Cuma tak taulah aku tak rasa buku ni satu buku yang dapat menarik perhatian aku..

Sebab kebanyakan isi dalam ni lebih kepada motivasi dan perkongsian maklumat dari luar..

Maksudnya bukan dari pengalaman sebenar penulis.. 

Kalau korang baca buku kat luar tu kebanyakannya sama je isinya..

Pada aku, aku lebih suka kalau isi buku ni datang dari pengalaman penulis...

Kerana setiap kita melalui pengalaman hidup yang berbeza..

Jadi, memang kebanyakan kita suka nak tahu kisah hidup atau kejayaan orang lain...

So, itu pada pendapat aku secara peribadi..

Kalau nak menambahkan lagi ilmu pengetahuan dalam bidang kewangan..

Buku ni korang must read..

Tambahan ilmu kewangan...

Semoga ada clue kalau korang tengah mencari review buku ni..

Mindset Kewangan

Menjadi hamba dalam tak sedar...

Apa yang ada di fikiran sekarang..

Kenapa ko ikut sahaja apa yang ditentukan oleh majikan ko...

Sebab hamba kewangan...

Mesti kerja 9-5...

Weekdays...

Sampai bila...

Pencen...

Ko tak nak rasa ke...

Travel ke luar negara...

Bebas buat apa yg nak dibuat...

Dalam masa yang sama..

Financial freedom..

Time freedom..

Free anxiety..

Mind freedom...

Bebas apa nak buat..

So, mesti kena ada plan...

So.. Fikir2kan plan anda..

Semoga berjaya...

Plan and Execute...