29 Oktober 2009
22 Oktober 2009
Latest photo of Hannah
Anak-anak Cik Lah memang semua pantang nampak kamera...mula lah bergaya... (rasanya mak dia dolu-dolu tak macam tu pun...hehheheh)..
Power Of Money
Dear All,
An article worth reading, take a little of your time to read this, I found it so meaningful..
(received this from Nafisah Hani)
POWER OF MONEY By Adam Khoo - Singapore's youngest millionaire at 26 yrs.
I travel around the region pretty frequently, having to visit and conduct seminars at my offices in Malaysia, Indonesia, Thailand and Suzhou (China).
I am in the airport almost every other week so I get to bump into many people who have attended my seminars or have read my books.
Recently, someone came up to me on a plane to KL and looked rather shocked. He asked, 'How come a millionaire like you is traveling economy?' My reply was, 'That's why I am a millionaire. ' He still looked pretty confused.
This again confirms that greatest lie ever told about wealth (which I wrote about in my latest book 'Secrets of Self-Made Millionaires' ). Many people have been brainwashed to think that millionaires have to wear Gucci, Hugo Boss, Rolex, and sit on first class in air travel. This is why so many people never become rich because the moment that earn more money, they think that it is only natural that they spend more, putting them back to square one.
The truth is that most self-made millionaires are frugal and only spend on what is necessary and of value. That is why they are able to accumulate and multiply their wealth so much faster.
Over the last 7 years, I have saved about 80% of my income while today I save only about 60% (because I have my wife and 2 kids, mother in law, 2 maids etc. to support). Still, it is way above most people who save 10% of their income (if! they are lucky).
I refuse to buy a first class ticket or to buy a $300 shirt because I think that it is a complete waste of money. When I joined the YEO (Young Entrepreneur' s Orgn)a few years back (YEO is an exclusive club open to those who are under 40 and make over $1m a year in their own business) I discovered that those who were self-made thought like me. Many of them with net worth well over $5m, travelled economy class and some even drove Toyota's and Nissans,not Audis, Mercs, BMWs.
I noticed that it was only those who never had to work hard to build their own wealth (there were also a few ministers' and tycoons' sons in the club) who spent like there was no tomorrow. Somehow, when you did not have to build everything from scratch, you do not really value money. This is precisely the reason why a family's wealth (no matter how much) rarely lasts past the third generation.
Thank God my rich dad foresaw this terrible possibility and refused to give me a cent to start my business. Then some people ask me, 'What is the point in making so much money if you don't enjoy it?'
The thing is that I don't really find happiness in buying branded clothes, jewellery or sitting first class. Even if buying something makes me happy it is only for a while, it does not last.
Material happiness never lasts, it just give you a quick fix. After a while you feel lousy again and have to buy the next thing which you think will make you happy. I always think that if you need material things to make you happy, then you live a pretty sad and unfulfilled life..
Instead, what makes me happy is when I see my children laughing and playing and learning ! so fast. What makes me happy is when I see my companies and trainers reaching more and more people every year in so many more countries.
What makes me really happy is when I read all the emails about how my books and seminars have touched and inspired someone's life.
What makes me really happy is reading all your wonderful posts about how this blog is inspiring you. This happiness makes me feel really good for a long time, much much more than what a Rolex would do for me.
I think the point I want to put across is that happiness must come from doing your life's work(be it teaching, building homes, designing, trading, winning tournaments etc.) and the money that comes is only a by-product.
If you hate what you are doing and rely on the money you earn to make you happy by buying stuff, then I think that you are living a life of meaninglessness.
An article worth reading, take a little of your time to read this, I found it so meaningful..
(received this from Nafisah Hani)
POWER OF MONEY By Adam Khoo - Singapore's youngest millionaire at 26 yrs.
I travel around the region pretty frequently, having to visit and conduct seminars at my offices in Malaysia, Indonesia, Thailand and Suzhou (China).
I am in the airport almost every other week so I get to bump into many people who have attended my seminars or have read my books.
Recently, someone came up to me on a plane to KL and looked rather shocked. He asked, 'How come a millionaire like you is traveling economy?' My reply was, 'That's why I am a millionaire. ' He still looked pretty confused.
This again confirms that greatest lie ever told about wealth (which I wrote about in my latest book 'Secrets of Self-Made Millionaires' ). Many people have been brainwashed to think that millionaires have to wear Gucci, Hugo Boss, Rolex, and sit on first class in air travel. This is why so many people never become rich because the moment that earn more money, they think that it is only natural that they spend more, putting them back to square one.
The truth is that most self-made millionaires are frugal and only spend on what is necessary and of value. That is why they are able to accumulate and multiply their wealth so much faster.
Over the last 7 years, I have saved about 80% of my income while today I save only about 60% (because I have my wife and 2 kids, mother in law, 2 maids etc. to support). Still, it is way above most people who save 10% of their income (if! they are lucky).
I refuse to buy a first class ticket or to buy a $300 shirt because I think that it is a complete waste of money. When I joined the YEO (Young Entrepreneur' s Orgn)a few years back (YEO is an exclusive club open to those who are under 40 and make over $1m a year in their own business) I discovered that those who were self-made thought like me. Many of them with net worth well over $5m, travelled economy class and some even drove Toyota's and Nissans,not Audis, Mercs, BMWs.
I noticed that it was only those who never had to work hard to build their own wealth (there were also a few ministers' and tycoons' sons in the club) who spent like there was no tomorrow. Somehow, when you did not have to build everything from scratch, you do not really value money. This is precisely the reason why a family's wealth (no matter how much) rarely lasts past the third generation.
Thank God my rich dad foresaw this terrible possibility and refused to give me a cent to start my business. Then some people ask me, 'What is the point in making so much money if you don't enjoy it?'
The thing is that I don't really find happiness in buying branded clothes, jewellery or sitting first class. Even if buying something makes me happy it is only for a while, it does not last.
Material happiness never lasts, it just give you a quick fix. After a while you feel lousy again and have to buy the next thing which you think will make you happy. I always think that if you need material things to make you happy, then you live a pretty sad and unfulfilled life..
Instead, what makes me happy is when I see my children laughing and playing and learning ! so fast. What makes me happy is when I see my companies and trainers reaching more and more people every year in so many more countries.
What makes me really happy is when I read all the emails about how my books and seminars have touched and inspired someone's life.
What makes me really happy is reading all your wonderful posts about how this blog is inspiring you. This happiness makes me feel really good for a long time, much much more than what a Rolex would do for me.
I think the point I want to put across is that happiness must come from doing your life's work(be it teaching, building homes, designing, trading, winning tournaments etc.) and the money that comes is only a by-product.
If you hate what you are doing and rely on the money you earn to make you happy by buying stuff, then I think that you are living a life of meaninglessness.
21 Oktober 2009
Lost Temper - peristiwa ketiga
Peristiwa ketiga
Cik Lah pergi beli baju untuk majlis reunion hari Jumaat 23/10/09. Theme kali ini pink..Seumur hidup tak pernah pakai pink...jadi takdelah baju pink, terpaksalah pergi beli baru. Selepas merayau-rayau, membelek-belek..jumpalah baju yang berkenan di hati..tapi Cik Lah tak terus beli...Cik Lah pusing shopping complex tu sekali lagi...
Bila dah sahih cuma baju tu je yang ok, Cik Lah pun pergi semula kedai tu...ambil, bayar dan balik rumah.. Tiba di rumah dengan gembiranya memperagakan baju baru di depan maid... "Ibu..apa benda yang melekat kat baju ibu tu..." Haaaa...rupanya sales girl tu tak buka safety button kat baju tu...(tapi apasal masa keluar tadi tak berbunya pun???). Haru betul...nasib baik belum hari Jumaat lagi..sempat pergi kedai tu semula..
Tadi Cik Lah dah pergi semula ke kedai itu.. "Minta maaf puan..betul2 minta maaf..saya terlupa buka..." haaa... nasib baik mood hari ni ok...kalau tak kena khutbah juga sales girl tu...
- Moral of the story...lain kali kita sebagai pembeli kena check juga barang sebelum keluar dari kedai..jangan sebab suka terus ambil barang dan balik...hehheeh..
- Yang sedihnya..Cik Sham cakap jangan pakai baju tu (sebab color pink) kalau jalan ngan dia..nanti orang nampak Cik Lah je..hehhehe.. Sebenarnya dalam wardobe Cik Lah cuma ada color dark blue, black, brown, grey dan white.. Baju kurung pun tone color yang sama juga...
Cik Lah pergi beli baju untuk majlis reunion hari Jumaat 23/10/09. Theme kali ini pink..Seumur hidup tak pernah pakai pink...jadi takdelah baju pink, terpaksalah pergi beli baru. Selepas merayau-rayau, membelek-belek..jumpalah baju yang berkenan di hati..tapi Cik Lah tak terus beli...Cik Lah pusing shopping complex tu sekali lagi...
Bila dah sahih cuma baju tu je yang ok, Cik Lah pun pergi semula kedai tu...ambil, bayar dan balik rumah.. Tiba di rumah dengan gembiranya memperagakan baju baru di depan maid... "Ibu..apa benda yang melekat kat baju ibu tu..." Haaaa...rupanya sales girl tu tak buka safety button kat baju tu...(tapi apasal masa keluar tadi tak berbunya pun???). Haru betul...nasib baik belum hari Jumaat lagi..sempat pergi kedai tu semula..
Tadi Cik Lah dah pergi semula ke kedai itu.. "Minta maaf puan..betul2 minta maaf..saya terlupa buka..." haaa... nasib baik mood hari ni ok...kalau tak kena khutbah juga sales girl tu...
- Moral of the story...lain kali kita sebagai pembeli kena check juga barang sebelum keluar dari kedai..jangan sebab suka terus ambil barang dan balik...hehheeh..
- Yang sedihnya..Cik Sham cakap jangan pakai baju tu (sebab color pink) kalau jalan ngan dia..nanti orang nampak Cik Lah je..hehhehe.. Sebenarnya dalam wardobe Cik Lah cuma ada color dark blue, black, brown, grey dan white.. Baju kurung pun tone color yang sama juga...
Lost Temper - peristiwa kedua
Peristiwa kedua
Cik Lah tengah drive..jalan raya ada 3 lane. Cik Lah drive kat lane tengah. Lane kiri banyak lori..lane tengah kira ok la. Lane kanan tu takkan lah korang tak tahu kut- lane tu sepatutnya hanya untuk memotong je. Bukan potong buah, potong baju or potong kek!!! "Sila gunakan lorong kanan untuk memotong sahaja". Malangnya bukan semua pengguna faham bahasa..mungkin tak sekolah memandu kut...ataupun paling teruk lesen beli je..
Depan Cik Lah ada pemandu bawa slow, jadi Cik Lah masuklah kanan nak potong...malangnya sebelah kanan tu mamat ni bawa kereta lagi slow dari kereta yang kat lane tengah tu...!! Paling baran kereta itu pakai 'make-up' punya cantik dan ekzos besar lak tu...biawak yang banyak kat kolam ikan depan rumah Cik Lah ni pun boleh sembunyi kat dalam tu...tapi bawa slow!!!
Cuba bayangkan kalau yang bawa kereta itu perempuan, dah pasti kena horn dengan pemandu lain...dan cuba bayangkan yang nak memotong tu pemandu lelaki, sure dah bingit telinga kena horn...ponnnnnnnnn.. Cik Lah malas nak bising, lagi pun Cik Lah bawa Livina hari tu, horn dia tak sedap (bunyi kecik, badan besar), kalau bawa keta Jazz Cik Sham dah lama mamat tu kena horn....mau terkezut dia...
Jadi pendek cerita Cik Lah masuk lane kiri, potong keta lane tengah pastu masuk lane kanan untuk potong keta lagi satu... Mamat slow motion tu leh marah kat Cik Lah..siap horn lagi sebab potong dia...
- Moral of the story..buat anak2 buat Cik Lah- berbudi bahasa lah di jalanraya. Ikut peraturan. Jalanraya tu bukan kita punya sorang je. Kalau rasa bawa slow ikutlah lane kiri, kalau rasa bawa sederhana laju ikutlah lane tengah dan kalau nak potong ikutlah lane kanan. Lane kanan tu bukan lane untuk bawa laju ataupun lane untuk kita bawa keta sorang2....
Cik Lah tengah drive..jalan raya ada 3 lane. Cik Lah drive kat lane tengah. Lane kiri banyak lori..lane tengah kira ok la. Lane kanan tu takkan lah korang tak tahu kut- lane tu sepatutnya hanya untuk memotong je. Bukan potong buah, potong baju or potong kek!!! "Sila gunakan lorong kanan untuk memotong sahaja". Malangnya bukan semua pengguna faham bahasa..mungkin tak sekolah memandu kut...ataupun paling teruk lesen beli je..
Depan Cik Lah ada pemandu bawa slow, jadi Cik Lah masuklah kanan nak potong...malangnya sebelah kanan tu mamat ni bawa kereta lagi slow dari kereta yang kat lane tengah tu...!! Paling baran kereta itu pakai 'make-up' punya cantik dan ekzos besar lak tu...biawak yang banyak kat kolam ikan depan rumah Cik Lah ni pun boleh sembunyi kat dalam tu...tapi bawa slow!!!
Cuba bayangkan kalau yang bawa kereta itu perempuan, dah pasti kena horn dengan pemandu lain...dan cuba bayangkan yang nak memotong tu pemandu lelaki, sure dah bingit telinga kena horn...ponnnnnnnnn.. Cik Lah malas nak bising, lagi pun Cik Lah bawa Livina hari tu, horn dia tak sedap (bunyi kecik, badan besar), kalau bawa keta Jazz Cik Sham dah lama mamat tu kena horn....mau terkezut dia...
Jadi pendek cerita Cik Lah masuk lane kiri, potong keta lane tengah pastu masuk lane kanan untuk potong keta lagi satu... Mamat slow motion tu leh marah kat Cik Lah..siap horn lagi sebab potong dia...
- Moral of the story..buat anak2 buat Cik Lah- berbudi bahasa lah di jalanraya. Ikut peraturan. Jalanraya tu bukan kita punya sorang je. Kalau rasa bawa slow ikutlah lane kiri, kalau rasa bawa sederhana laju ikutlah lane tengah dan kalau nak potong ikutlah lane kanan. Lane kanan tu bukan lane untuk bawa laju ataupun lane untuk kita bawa keta sorang2....
Lost Temper - peristiwa pertama
Ada 3 perkara buat Cik Lah 'lost temper' minggu ni....
Peristiwa pertama...
Pergi bank..dekat info kaunter, Cik Lah tanya prosedure yang patut dibuat untuk ganti kad ATM yang dah patah. Cik Lah dikehendaki isi borang, selepas isi borang dan diperiksa oleh mamat kat kaunter tu; dia arahkan Cik Lah pergi ke kaunter lain untuk pengesahan kad pengenalan dan buku akaun.
Selepas semua selesai, borang Cik Lah diperiksa semula, dan kemudian diarahkan menunggu sehingga nama di panggil..tunggu punya tunggu..selepas hampir sejam barulah nama Cik Lah dipanggil.
Dengan gembira (dihati) dan muka keletihan menunggu Cik Lah pun pergi ke kaunter. Cik Lah duduk dan menunggu pegawai bank tu membelek borang yang dah 2x diperiksa tu...
"Cik, borang ni tak lengkap. Cik perluka tandangan penama akaun yang lagi sorang. Dia ada kat sini tak?" dengan muka manis nya bank officer tuberkata ".... "HAAAA! APA? DAH 2 KALI BORANG NI DIPAST KE SANA KE SINI..DAH DICHECK..DAH TUNGGU HAMPIR SEJAM...BARU CAKAP TAK BOLEH DIPROSES!!!! APASAL MASA AWAL2 TADI TAK CAKAP? APASAL MASA KAT INFO KAUNTER TADI TAK DIBAGITAU...." Maka tak pasal-pasal pegawai bank tu kena hambur...kena tembak macam machine gun....pengpengpeng...
Apa yang buat Cik Lah marah...
1) Masa di info kaunter, sebelum ambil form, buku bank disemak dah Cik Lah dah bagitau itu akaun bersama (joint account ngan Cik Sham)....sepatutnya masa itu dah diberitahu yang Cik Sham patut sain form tu.
2) Selepas ambil form dan isi form, di kaunter ke dua, form, buku akaun dan kad pengenalan telah disemak..masa ni juga sepatutnya diberitahu form tak lengkap bukan hanya selepas 50minit menunggu!!
3) Semasa menunggu, ada yang telah dilayan dahulu sedangkan datang kemudian. Cik Lah peratikan yang dilayan istimewa itu berpakaian kemas/pejabat. Hanya Cik Lah dan seorang lagi mamat yang datang awal sebelum Cik Lah kena tunggu lama. Cik Lah memang agak selekeh hari tu, cuma pakai seluar jeans dan t-shirt lusuh, tapi mereka takda hak layan pelanggan berlandaskan pakaian. Mamat sorang tu lagi la selekeh...macam kerja kat pasar borong.
Pantang Cik Lah bila orang pandang sebelah mata hanya seseorang itu pakai baju brand pasar malam or selekeh. Apa hak kita untuk menilai orang lain??? Pada Cik Lah 'biar selekeh asalkan kaya...' bukan 'biar papa asalkan bergaya'. Ex-boss Cik Lah dulu pernah mengalami peristiwa yang sama (masa itu tahun 80an)..dia pergi bank dengan berkarung duit untuk buka akaun, tapi tak dilayan hanya sebab dia pakai selipar jepun, seluar pendek dan t-shirt dan broken english (contractor lah katakan)..Cik Lah menangis bila dia ceritakan betapa susahnya dia berurusan dengan bank disebabkan sikap double standard yang masih diamalkan hingga sekarang..dan Cik Lah selalu juga mengalami perkara yang sama.
- Buat anak-anak buah Cik Lah; jika kerjaya kita mengkehendaki kita berurusan dengan orang ramai; jangan sesekali mengamalkan sikap double standard. Jangan cepat menilai seseorang itu hanya dari rupa paras ataupun pakaian. Cuba fahami keadaan orang yang menunggu dengan sabar perkhidmatan kita...ingat kerjaya kita adalah salah satu amalan kita yang ALLAH akan timbang kelak...
Peristiwa pertama...
Pergi bank..dekat info kaunter, Cik Lah tanya prosedure yang patut dibuat untuk ganti kad ATM yang dah patah. Cik Lah dikehendaki isi borang, selepas isi borang dan diperiksa oleh mamat kat kaunter tu; dia arahkan Cik Lah pergi ke kaunter lain untuk pengesahan kad pengenalan dan buku akaun.
Selepas semua selesai, borang Cik Lah diperiksa semula, dan kemudian diarahkan menunggu sehingga nama di panggil..tunggu punya tunggu..selepas hampir sejam barulah nama Cik Lah dipanggil.
Dengan gembira (dihati) dan muka keletihan menunggu Cik Lah pun pergi ke kaunter. Cik Lah duduk dan menunggu pegawai bank tu membelek borang yang dah 2x diperiksa tu...
"Cik, borang ni tak lengkap. Cik perluka tandangan penama akaun yang lagi sorang. Dia ada kat sini tak?" dengan muka manis nya bank officer tuberkata ".... "HAAAA! APA? DAH 2 KALI BORANG NI DIPAST KE SANA KE SINI..DAH DICHECK..DAH TUNGGU HAMPIR SEJAM...BARU CAKAP TAK BOLEH DIPROSES!!!! APASAL MASA AWAL2 TADI TAK CAKAP? APASAL MASA KAT INFO KAUNTER TADI TAK DIBAGITAU...." Maka tak pasal-pasal pegawai bank tu kena hambur...kena tembak macam machine gun....pengpengpeng...
Apa yang buat Cik Lah marah...
1) Masa di info kaunter, sebelum ambil form, buku bank disemak dah Cik Lah dah bagitau itu akaun bersama (joint account ngan Cik Sham)....sepatutnya masa itu dah diberitahu yang Cik Sham patut sain form tu.
2) Selepas ambil form dan isi form, di kaunter ke dua, form, buku akaun dan kad pengenalan telah disemak..masa ni juga sepatutnya diberitahu form tak lengkap bukan hanya selepas 50minit menunggu!!
3) Semasa menunggu, ada yang telah dilayan dahulu sedangkan datang kemudian. Cik Lah peratikan yang dilayan istimewa itu berpakaian kemas/pejabat. Hanya Cik Lah dan seorang lagi mamat yang datang awal sebelum Cik Lah kena tunggu lama. Cik Lah memang agak selekeh hari tu, cuma pakai seluar jeans dan t-shirt lusuh, tapi mereka takda hak layan pelanggan berlandaskan pakaian. Mamat sorang tu lagi la selekeh...macam kerja kat pasar borong.
Pantang Cik Lah bila orang pandang sebelah mata hanya seseorang itu pakai baju brand pasar malam or selekeh. Apa hak kita untuk menilai orang lain??? Pada Cik Lah 'biar selekeh asalkan kaya...' bukan 'biar papa asalkan bergaya'. Ex-boss Cik Lah dulu pernah mengalami peristiwa yang sama (masa itu tahun 80an)..dia pergi bank dengan berkarung duit untuk buka akaun, tapi tak dilayan hanya sebab dia pakai selipar jepun, seluar pendek dan t-shirt dan broken english (contractor lah katakan)..Cik Lah menangis bila dia ceritakan betapa susahnya dia berurusan dengan bank disebabkan sikap double standard yang masih diamalkan hingga sekarang..dan Cik Lah selalu juga mengalami perkara yang sama.
- Buat anak-anak buah Cik Lah; jika kerjaya kita mengkehendaki kita berurusan dengan orang ramai; jangan sesekali mengamalkan sikap double standard. Jangan cepat menilai seseorang itu hanya dari rupa paras ataupun pakaian. Cuba fahami keadaan orang yang menunggu dengan sabar perkhidmatan kita...ingat kerjaya kita adalah salah satu amalan kita yang ALLAH akan timbang kelak...
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