Monday, April 27, 2009

Blink...blink

Saya "salin" daripada blog pemikirkaya. (untuk difikir-fikirkan)


Salam pembaca blog pemikirkaya!

“Wang sebenarnya jahat!”, tegas seorang kenalan kepada saya ketika kami berdua sedang berbual sambil dia menghirup kopi powerroot panas (mungkin beliau berharap untuk menjadi jutawan dalam contest ‘You Can Bea Millionaire 2‘ nanti)

Saya yang ketika itu sedang membasahi anak tekak dengan air suam, terkedu mendengarnya!

“Apa maksud awak?” soal saya dengan penuh kehairanan…

“Yalah, cuba kau tengok ‘paper’, tiap-tiap hari ada berita rompak, pecah amanah, rasuah, penyelewangan, penipuan, skim cepat kaya, sehinggalah kisah kebankrapan!” jelasnya dengan bersungguh-sungguh.

“Ya, saya faham maksud awak, kerana punca semua itu adalah wang! Tapi harus diingat, bahawa wang itu hanyalah sekeping kertas yang sah diperlakukan berdasarkan nilai yang tertera di atasnya!” jelas saya ingin membetulkan keadaan.

“Apa maksud awak, wahai saudara Thinkerich?”

“Maksud saya, wang itu tiada apa-apa hanya kertas! Apa yang menyebabkan seseorang itu menjadi sedemikian rupa adalah kerana mereka membiarkan diri mereka dikuasai wang!” terang saya lagi tak ubah seperti seorang psikologis.

“Ooooooooooo…betul juga”, jawab kenalan saya dengan mulut yang sedikit terlopong!



p/s: En.H pernah bercerita bagaimana dia pernah melihat seseorang yg membakar sekeping duit RM50 dihadapan matanya demi menyatakan bahawa duit itu hanyalah sekeping kertas yg tiada makna bila tiada sebarang emosi yg dilekatkan kepadanya.

Nak cuba? :)

Thursday, April 16, 2009

Beautiful advice

I got this from my financial sifoo aka mr.huzaimy.For me,if it's a good financial advice, it's Worth reading.




Buy at its value, not at its cheap price


The other day a friend of mine approached me excitedly, saying, “I found the house of my dreams. It’s in foreclosure and the bank will sell it to me for a great price.”

“How good is the price?” I asked.
“Just before the real estate market crashed, the seller was asking $780,000 for the property. Today, I can buy it from the bank for $215,000. What do you think?” she asked.
“How would I know?” I replied. “All you’ve given me is the price.”
“Yes!” she squealed. “Now my husband and I can afford it.”
“Only cheap people buy on price,” I replied. “Just because something is cheap doesn’t mean it’s worth the cost.”

I then explained to her one of my most basic money principles: I buy value. I will pay more for value. If I don’t like the price, I simply pass. If the seller wants to sell, he will come back with a better price. I let him tell me what he will accept. I know some people love to haggle; personally, I don’t. If a person wants to sell, they will sell. If I feel what I am buying is of value, I’ll pay the price. Value rather than price has made me rich.

Against my advice, my friend sought financing for her “dream” home.

Fortunately, the bank turned her down. The house was on a busy street in a deteriorating neighborhood. The high school four blocks away was one of the most dangerous schools in the city. Her son and daughter would either have to go to private school or take karate lessons. She is now looking for a cheaper house to buy and has asked her father, who is retired, for help with the down payment. If her past is a crystal ball to her future, she will likely always be cheap and poor, even though she is a good, kind, educated, hard-working person.


My Point of View

What follows are some thoughts on why my friend will probably never get ahead financially — especially in this market.

1. She and her husband have college degrees but zero financial education. Even worse, neither plans to attend any investment classes. Choosing to remain financially uneducated has caused them to miss out on the greatest bull and bear markets in history. As my rich dad often said, “What you don’t know keeps you poor.”

2. She is too emotional. In the world of money and investing, you must learn to control your emotions. When you think about it, three of our biggest financial decisions in life are made at times of peak emotional excitement: deciding to get married, buying a home, and having kids.
My dad often said, “High emotions, low intelligence.” To be rich, you need to see the good and the bad, the short- and long-term consequences of your decisions. Obviously, this is easier said than done, but it’s key to building wealth.

3. She doesn’t know the difference between advice from rich people and advice from sales people. Most people get their financial advice from the latter — people who profit even if you lose. One reason why financial education is so important is because it helps you know the difference between good and bad advice.

As the current crisis demonstrates, our schools teach very little about money management. Millions of people are living in fear because they followed conventional wisdom: Go to school, get a job, work hard, save money, buy a house, get out of debt, and invest for the long term in a well-diversified portfolio of mutual funds. Many people who followed this financial prescription are not sleeping at night. They need a new plan. Had they sought out a little financial education, they might not be entangled in this mess.


A Thank You to Jon Stewart

Speaking of finance experts, I personally want to thank Jon Stewart of ‘The Daily Show’ for taking on Jim Cramer and CNBC. Jon Stewart did an incredible job of representing the millions of people all over the world who have lost their savings in the market. He was right in saying he thought it “disingenuous” to advise people to invest for the long term through their retirement plans while knowing full well that traders could steal Americans’ retirement money by trading in and out of the market. Most traders like Cramer realize that investing in mutual funds for the long term is financial suicide. Cramer should have spoken up, but we all know why CNBC won’t let him tell the truth. If he did, the station’s advertisers would leave.

While I applaud Cramer for going on ‘The Daily Show’ and facing the music, I’m afraid he was marginalized by Stewart — certainly outgunned — and he has lost his credibility. He may pay an even bigger price if the SEC decides to dig deeper.

Jim Cramer is a very smart man. I watch his show. I just do not follow his advice.

In closing, I will say what I have said for years: We need financial education in our schools. Without it, we cannot tell the good advice from the bad.

Friday, April 10, 2009

Si Dia no 2

Assalamualaikum

Ooooo la la...... saya tak kira...saya nak hebahkan juga yang saya dah muat balik pakai baju kawin saya yang kebaya color purple menawan tu.Saya ulang ----> baju kebaya tau!.Hihihi :P

Korang tak tau betapa bestnya perasaan tu.Tak dapat diucapkan tau.

Yelah...lepas lahirkan nathifa dulu tak muat2x baju tu.But this time alhamdulillah badan dah comey sikit.Hihihi.Jangan termuntahlah pulak baca ni ek.Semangatlah lagi nak turunkan sikit lagi berat ni.Kasi ideal sikit kan.

Anyway kene muah muah byk2x kat budak ni ler pasal dia yang turunkan berat badan ibu ni 'tanpa disedari' :P

Abaikan adegan menghisap dgn bersungguh-sungguh ni ! :P

Tinggi dah 67 cm
Berat dia semalam timbang 7 kg
Last week mengamuk 1 minggu,tgk2x gusi dah bagi laluan kat gigi nak keluar!
Semalam pergi klinik utk 2nd jab,siap sengih masa kene cucuk
Owh! lupa pulak kepala En.Irfan Fahri dah botak sekarang (pic later kay)
Mengancam you!!! :P

Budak sekolah



Baju kawan kasi pinjam ---->uniform sepasang,baju pj sepasang
Bangun tido jam 7.00 am ----->Pergi sekolah naik van dgn nenek jam 7.30 am
Pergi sekolah dalam beg ada pencil case ngan color je,
Balik sekolah ada tambahan buku dgn flash card, pernah ada sticker cartoon lg
(entah sapelah punye,bila tanya dia kata kawan kasi ---> ye laa tu agaknya)

Tapi mmg dia happy sungguh pergi sekolah
Macam 'sekolah ni aku yang punye' :P -----> dah nenek dia cikgu kat situ :P

Thursday, April 9, 2009

Si Dia saya

Assalamualaikum

Saje nak letak gambar2x anak dara saya yang sungguh pandai melawa (baca : cekak ada 2,spec hitam satu,pandai pakai celak kat kening and lipstick of course!) sekarang.

Kejadian dalam gambar adalah sebelum kami bertolak ke kuantan 2 minggu yg lepas.Next entry saya nak tunjuk pulak gambar si dia ni pergi sekolah TBK ikut nenek dia.Siap pinjam baju sekolah member.

Owh, btw gaya2x semasa bergambar bukan arahan camerawomen okey! :P





bukti kami dah sampai kuantan nih!

Wednesday, April 8, 2009

Melangkah ke depan

Assalamualaikum

Well...lama jugak saya tak menulis dgn pjg lebar dalam blog ni.Reasonnya agak kukuh jugakla sbb saya dikampung hampir 2 minggu.Internet tu ada tapi dial-up lama2x punya tu,maklum je la lajunya mcm mana.Sempat baca je,itu pun nak tunggu loading alahai (bab loading ni si kakak tifa sampai mengamuk sakan sbb tunggu 'super why' dia tak keluar2x. :P).

So,apa kabar kawan2x?Saya? alhamdulillah, rezeki mencurah-mencurah.Cuma busy sikitlah sekarang dengan projek kerjasama saya dgn my beloved mom. (yang ni bila dah rasmi betul2x baru boleh dikabar-kabarkan ye..saya siap tepek gambar sekali nanti,doakan saya berjaya ya!).

En.H lagik busy dari saya dengan bisnesnya sekarang ------> http://www.huzaimy.com/bio-fuel/ (semangat kuat ye bang :)).Tapi inilah decision kitaorang untuk keluar dari 'comfort zone' kami dan meluaskan 'wealth zone' kami.InsyaALLAH.Kan 9/10 rezeki ALLAH tu datangnya drpd bisnes.

Memang betullah kata2x org motivasi tu 'anda akan menjadi apa yang anda fikirkan'.Dari dulu lagi saya selalu fikir and bayangkan saya mempunyai bisnes sendiri tapi dalam waktu yang sama saya tak perlu tinggalkan anak2x saya dengan orang lain utk menjalankan bisnes tu.Well,eventho macam2x cara yang saya lalui untuk ke arah tu,but in the end itu jugalah yang saya perolehi sekarang.Syukur sangat2x.Memang 'law of attraction' tu sangat-sangat betul dan terjadi samaada kita sedari atau tak plus doa harian kita yang tak putus2x memohon kepada yg maha kaya ALLAH.

Hemm...cerita pasal motivasi ni saya nak kongsi ayat-ayat positif drpd somebody yang sudah sangat2x berjaya sekarang.Tapi ayat2x ni hanya tinggal ayat je la kalau tak dipraktikkan tiap hari,tiap masa.Pagi2x bila dah bersiap depan cermin tu,cuba2xlah berkata-kata dgn diri sendiri menggunakan ayat2x ni.Semoga tiap hari kita bersemangat untuk keluar beribadah mencari rezki yang halal dibumi ALLAH ini.

Aku hidup,Aku terbaik,Aku pasti berjaya!
Aku boleh,sememangnya boleh!
Aku mahu cuba,Aku mahu buktikan!
Aku ada peluang untuk berjaya!
Aku tak mahu tangguh,Aku mahu buat sekarang!

Selamat berjaya!

p/s: nak promosi sikit pada sape2x yg nak cuba jimatkan petrol kereta/motor/lori , harga produk murah je RM 15 sebotol tapi sangat berkesan jimatkan minyak dan juga duit kita.Cubalah dulu baru tau kan.

Nak cuba sebotol? 2 botol? boleh klik kat sini http://www.huzaimy.com/bio-fuel/

Monday, April 6, 2009

Tag pasal blog

Ditag oleh puan farra.Enjoy!


1) Apakah nama blog anda sekarang dan kenapa anda memilih nama itu?

Theredcheek
Reason - sempena nama humaira masa tu...kan maksud nama tu is "berpipi merah".So pipi=cheek merah=red.Dapatlah theredcheek.Punyelah struggle nak namakan blog.hehehe

2) Apakah link blog anda sekarang dan bagaimana boleh timbul idea untuk menamakannya seperti itu?

http://theredcheek.blogspot.com
Idea ntahler...kalau redcheek tu from nama anaklah.Yang blogspot tu dh mmg servive google utk berblog.Guna je. :)

3) Apakah 'method' penulisan dalam blog anda?

takde method2x pun.Hentam saje.Masa awal2x berblog malu2x lagi pasal dok perasan nanti org baca tak best pulak.(negative sungguhla).Sekarang mungkinlah saya berblog untuk tambah ilmu,tambah kawan dan networking.

4) Pernah terasa nak hapuskan blog anda? Sebabnya?

mana ada maaa. (sayang banget dgn blog ni :P)

5) Apakah pendapat anda mengenai blog kepada pemilik blog yang tag anda ni?

farra? Saya tak berapa kenal rapat sangat dgn dia sebenarnya.Tapi yg pastinya dia ni mmg kepala bisneslah.Aktif.Sweet pun ye :)

6) Senaraikan 5 orang yang akan anda tag.

3 orang cukuplah yek......

1.http://littlemishkah.blogspot.com/
2.http://jibunnoyume.blogspot.com/
3.http://zazawani.blogspot.com/