我变得积极正面，
我变得毫不随便，
我变得细心甚言，
我变得不再狡辩...
我真的，渴望蜕变
对过去不再眷恋
不抗拒艰难磨练，
将生命细心体验，
只为了美好经验...
蜕变的历练，苦不堪言...
我不会后悔, 不曾埋怨.
但愿你能陪伴我转变，
不对我感到心烦讨厌，
细心聆听我心中景愿，
让我陪你...陪你到永远。
2008年11月12日星期三
2008年8月31日星期日
2008年3月29日星期六
The Secret Paths to Financially Independence
During my time as a journalist with both Oriental Daily and The Star , I had many opportunities to meet people from different background, ranging from those stucked in twilight zones and those tycoons and multimillionaires who are enjoying a noble life.
"What makes them so different", i muttered to myself, and it took years before I finally found the convincing answers, and something that I would dubbed as the secret paths to financially independence.
Regardless of when you begin, it is better to be late than never. The following are some practical methods for ones to achieve financial success. Well, just keep in mind that this secret path has been invented by no one but merely the experiences from those who had already made it to their desired financial status.
A banker once told me that the reason why 90% of the people fail to achieve the financial success because they didn't bother save money for their future. Some of these people are too naive to believe that they could build their financial empire overnight, while others are simple didn't know a proper savings method. Always put aside at least 20% of your paycheck for savings before you finished them up, this is a often a perimeter that will determine your to have either an enjoyable or miserable life in the future.
5. Secure Your Earning Power
"What makes them so different", i muttered to myself, and it took years before I finally found the convincing answers, and something that I would dubbed as the secret paths to financially independence.
Regardless of when you begin, it is better to be late than never. The following are some practical methods for ones to achieve financial success. Well, just keep in mind that this secret path has been invented by no one but merely the experiences from those who had already made it to their desired financial status.
1. Spend Less Than What You are Earning
No matter how much you are earning, you can never achieve financial freedom if you keep on getting yourself in debts. For instance, I have a client who are earning over RM 100K monthly, but guess what, 60% of his income will go to his debtors account, from various types of loans and other personal debts. Just remember that being overspent even a few hundreds Ringgit a month can have a cumulative impact over the course of your daily life.
2. Set a Monthly Savings GoalA banker once told me that the reason why 90% of the people fail to achieve the financial success because they didn't bother save money for their future. Some of these people are too naive to believe that they could build their financial empire overnight, while others are simple didn't know a proper savings method. Always put aside at least 20% of your paycheck for savings before you finished them up, this is a often a perimeter that will determine your to have either an enjoyable or miserable life in the future.
3. Pay Off Credit Card Debt
Credit card debt is the number one obstacle to getting ahead financially. Those little pieces of plastic are so easy to use, and it's so easy to forget that it's real money we're dealing with when we whip them out to pay for a purchase, large or small. Despite our good resolves to pay the balance off quickly, the reality is that we often don't, and end up paying far more for things than we would have paid if we had used cash. Contact us for advice if you have problems with paying your credit card debts.
5. Secure Your Earning Power
Too many people are talked into making more money for a decent life, whether it is by investment or laboring work. However, it's also important that you have enough insurance to protect your dependents and your income in the case of death or disability. Guess who will pay for the bills when we are lying on bed?
6. Update Your Will
80% of Malaysians don't have a will, or, in other words, don't bother to have one. This explains why over RM 40 billions of private assets in Malaysia are leave to no one after the owners had passed away. So, If you have dependents, no matter how little or how much you own, you need a will. If your situation isn't too complicated, you can also contact us for will writing services.
Protect your loved ones. Write a will.
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