Sometimes I'm just too ambitious

It has been playing in my head for quite some times.
The idea of opening up a small business.
Yet, I'm not sure how am I going to accomplish this.
I'm just a weakling with many limitations.
I just cant afford to be doing so many things at one time.
At one end, I'm an educator.... and on the other end, I'm a part-time Unit Trust Consultant. Now, to feed my youthful eagerness, I'm dreaming of having a business of my own (which is almost impossible coz I'm going to be a government servant soon).

Well, to do it or not to do it.... let me just lay out my current idea.
Lately, I've been doing some research on "Carwash" business.
It may sound weird, but believe me, I myself am amazed of how much effort I've put into this matter.
How much have I been looking into this carwashing thingy? Well, I'd gone to the extent of outlining the risks and benefits of this ridiculous endeavor.
Why do I like this business the most? simple, because it is a service-based business which does not involve products (less risk).
In order to establish it, I may only need to look for die-hardworking workers, finding the most feng shui location, strategic marketing and recruiting a trustworthy manager.
But doing all these, may take the sweat out of me if I were to do it alone.

Besides, when I started to think about the risks, plenty has come for me to ponder.
I may say that having a trustworthy manager is the key to this business... but how am I going to ensure that?
Moreover, many have said that local workers working rate is awfully unproductive, and that foreign workers are the best solution, how on earth would I bring them to Malaysia and place them in Terengganu if the business is allocated there?
Many would say, "dude, all you need to do is to put some effort into it. No business is easy maa". Yes indeed, I agree.
But, with my times divided into so many obligations (teaching and UTC), opening this business would seem impossible.

For short term journey, it might be very hard for me to achieve.
However, what may come in the future I dont know. Hopefully, I will find a way to do this. InsyaAllah.

Kenapa...oh kenapa?

1. Aku merancang awal bukan kerana aku tamak.
2. Aku merancang awal bukan kerana aku seorang kapitalis.
3. Aku merancang awal bukan kerana aku hendakkan status.
   
4. Aku merancang awal bukan kerana aku ingin hidup sebagai seorang yang kaya

TETAPI

1. Aku merancang awal supaya aku tidak kesal dikemudian hari.
2. Aku merancang awal supaya aku dapat menyempurnakan tanggungjawabku sebagai seorang lelaki.
3. Aku merancang awal supaya aku tidak tergolong dikalangan mereka yang kufur nikmat.
4. Aku merancang awal supaya aku dapat menenangkan fikiran dikemudian hari

Dibawah naungan dan rahmat Ilahi... semoga aku tidak terpesong daripada pendirianku ini

UNIT AMANAH - PELBAGAI IMPIAN, 1 PELABURAN

Pelaburan Unit Amanah direkabentuk untuk mengatasi hampir semua cabaran dalam ekonomi dan kewangan.
Antara cabaran yang mampu diatasi dengan pelaburan unit amanah ialah:
1. Inflasi/kenaikan harga atau penyusutan nilai wang;
2. Pulangan daripada simpanan/deposit yang rendah;
3. Wang untuk kehidupan selepas bersara yang tidak mencukupi;
4. Wang untuk pengajian tinggi anak-anak yang tidak mencukupi; dan
5. Kekurangan wang untuk memulakan pemilikan harta tanah.

Untuk itu, unit amanah dapat membantu kita melaburkan sebahagian daripada wang/modal secara lebih profesional dan agresif untuk memenuhi hampir semua impian masa depan kita.
Antara impian/tujuan kewangan masa depan yang boleh dicapai menerusi pelaburan unit amanah ialah:
1. Mengatasi inflasi di masa depan - kemampuan/kuasa membeli kita lebih tinggi berbanding kenaikan harga barang setiap tahun;
2. Menikmati pulangan yang lebih tinggi 2 hingga 5 kali ganda berbanding simpanan biasa;
3. Menyediakan wang sara hidup yang mencukupi untuk tempoh lebih 30 tahun selepas bersara tanpa perlu merendahkan/mengurangkan gaya hidup/biaya bulanan;
4. Mengumpul kekayaan lebih pantas;
5. Menyediakan wang biaya hidup dan yuran pendidikan tinggi yang mencukupi untuk sepanjang tempoh pengajian anak-anak;
6. Menyediakan modal pemilikan rumah dan harta tanah;
7. Menyediakan modal asas atau pengembangan perniagaan;
8. Memperolehi semula wang bayaran pinjaman perumahan;
9. Menyediakan wang menunaikan umrah/haji 2 kali lebih banyak;
10. Menyediakan wang pelancongan/ziarah yang selesa;
11. dan pelabagai tujuan kewangan masa depan.

Unit amanah menyediakan semua kategori pelaburan yang sesuai untuk semua jenis profil pelabur seperti berikut:
1. Dana KONSERVATIF (purata pulangan setahun 2% - 6%)
2. Dana SEDERHANA (purata pulangan setahun 6% - 12%)
3. Dana AGRESIF (purata pulangan setahun 12% - 15%)

Jika anda berminat untuk mengatasi semua cabaran ekonomi, menikmati pulangan pelaburan yang lebih baik serta mencapai segala impian kewangan masa depan anda, sila hubungi perunding-perunding kami. Perundingan dan nasihat adalah percuma. Kami akan membantu anda merancang dan memulakan pelaburan secara tepat untuk mencapai impian jangka sederhana dan jangka panjang (5 tahun ke atas) anda.


Disunting dari http://danamanah.blogspot.com/

Investment

Argh, I should have thought about this thing a long time ago.
Nevertheless, I still feel grateful for having understood on this matter before it is too late.

After my return from kangaroo land, I met this guy (Azahari Khuzaifah) who opened my eyes really wide on the reality of life.

Since I'm now legible to vote, I guess I can categorize myself as an adult.

He told me all sorts of responsibility that I would undertake in the future.

Life insurance is just one of many...... but, investment is the main idea that he wanted me to understand.

He assured me that life is not like walking in a flower garden with beautiful pavement guiding our path and colourful rainbow over your head.

It's as hell as you can imagine if you dont anticipate it early.
Although I may straight away be hired as a government servant, but with lack of knowledge in financial management, it may prove to revoke me from attaining a wonderful life.

Well, enough of the story. Let me just tell you that our financial stability is in direct correlation with our health. As we get older, our fitness and health decrease. Same goes with our labour production. We cant be thinking of generating the same income or salary as much as we do while we are still young. For say, some of my friends right now might be going off from one place to another to do their MLM's business a part from their full-time job. Well, as the saying goes, the more you earn, the better lifestyle you have. They do extra work so that they can buy the "unnecessary" things that they want. For instance, branded clothing and latest techno gadget. But, would they be able to maintain this as they grow older with many liabilities to handle at the same time? Will they have the same strength as they were before? Are they going to regret for not having any consideration of investing the money that they spent unwisely for their future security?

So, as he enlightened me with this true fact, he told me ways of investing some of my money for future security. Its about UNIT TRUST or in Malay we call it "Unit Amanah".
Unlike ASB or Tabung Haji, this investment scheme has slighter risk than normal savings. But, it gives far greater benefit than any other savings in the long run.
To explain about unit trust, I guess I'll update it later.....

TO BE CONTINUED....

Perjuangan aku...

Skarang aku dah hampir menamatkan 16 tahun belajar. Starting at the age of 6 up until today, my lives have nothing more but studying and learning.

Ke mana arah tuju aku lepas nih? apa sumbangan aku kepada agama aku?

I have yet to contribute anything to Islam. Nonetheless, I even couldnt keep myself in following the TRUE path of a Muslim. Why am I so weak???

At least this initial thought really matters. I hope it will lead me to become better person in the eyes of Allah.

Apa yang aku rasa....

kembali lagi aku ke blog nih. sekali dalam setahun agaknyer aku singgah tuk bercerita tentang sesuatu yg terpendam lama dalam ati aku nih.

aku terdetik untuk berfikir mengenai keadaan manusia yg berada disekeliling aku. Alhamdulillah, dengan keindahan ukhuwwah, aku dapat melihat pelbagai jenis manusia yg mempunyai pelbagai ragam dan perangai. Ntah ah, dalam variasi kehidupan nih, xbukan n xlain tp untuk menguji diri aku sebagai hamba Allah S.W.T.

Dalam tempoh terdekat, aku rasa kurang senang bila rapat ngan kaum hawa. Atas apa yg aku dah lalui, mereka nih mmg x stabil, emosional n payah nak ditenangkan ngan logik akal. Aku agak benci tgk cara idup diorang yg aku rasa, kurang productive........ andai mereka memperkatakan "tegakkanlah kalimah Allah dengan Jihad", aku xnampak apa yg mereka sedang usahakan.... indah kata dari rupa.

Dengan dunia sekarang, perempuan dah makin liberal n rasa diri diorang setinggi lelaki dari sudut kerjaya mahupun kepimpinan. mmg pada pandangan aku, xsalah untuk mereka bekerja n etc seperti lelaki. Tapi, terhakisnya rasa hormat diorang kat lelaki sebagai ketua, apatah lagi suami btol2 membuatkan aku geram. Aku bukanlah seorang yg pandai menggunakan hadith dalam blog, tp aku tau apa yg haq dan yg batil.

Xpe lah, aku malas nak kata apa2 pasal diorang. Biarkan....... andai apa yg diorang perjuangkan tuh benar, Alhamdulillah..... moga2 Allah permudahkan perjalanan diorang. Tp, andai diorang berpura-pura, aku mendoakan Allah supaya menyedarkan mereka.

Dah ah, aku membebel panjang2 pn bukannyer ada guna sgt. Sekadar nak lepas perasaan jer tempat nih. Aku mitak maaf bnyk2 kalo ada kaum hawa yg terbaca apa yg aku tulis nih. Nih laaa yg aku rasa skarang.

Maaf dipinta...

Tergerak Untuk Berkata-kata

OK, aku kembali sekali lg, sort of like once in a blue moon tul aku meng"UPDATE" blog aku nih.

Well, It's been awhile since I last reveal my current condition.
Right now, I'm truly interested in getting myself into business.
I've made contact again with my old buddy. He has already began his journey to the Millionnaire paradise.

p/s: both of us are opposed to direct selling since we were in secondary school because this kind of business activity contains syubhah (doubts) on its source of finance.

Pok Long, or so call Khairul, is now trading high quality silk (which he bought cheaply from his hometown) to well-established shops around Kuala Lumpur.
His experience is undoubtedly great as he had already understood the ups and downs of doing business. He knows how to do deal, negotiate for the best price, getting the right tender and even get the right investor into his venture.
With 3k networth monthly as a student, that's something to be proud of. tambah2 plak, this guy will soon be working under Petronas..... UTP students laaa katakan. So, basic salary dier sure banyak giler. haih.....
But, what about me? Why am I still paralyze and not doing anything?
Hmmmmm.... (looking for personal motivation).
I guess I'm not into this kind of business. My desire tells me that I need to do something more reassuring. Less risks.....

Duk koya2 kat Brisbane nih, I finally get myself working with a great property investor. His lifestyle btol2 motivate me to be just like him. Imagine, he only needs to worry about his houses of not getting any tenants to occupy them. Other than that, it's all about his family, 24/7. He spends all of his time at home, and only waits for his houses to generate income (monthly rental). Cool eh?
As for this, my eyes are now set on properties. Buying lands, houses, apartments, you name them....
Mak pon dah memang ajar suruh buat bender2 nih since I was in secondary school.
That's what I'm going to do in the next 25 years or maybe more.
With some of the experience gained from my boss wisdoms (working part-time job), knowledge from books written by well-known property author... I guess I'm set and ready to have a try.
Skarang, I'm just waiting to go back home... Malaysia. Sampai2 jer, aku akan terus accelerate myself in getting my first property. That would be an apartment or a house.

I'm working on my downpayment at the moment and collecting it through my part-time job salary. Travel tetap travel, tp x sehebat kawan2 aku yg lain. Kena tahan nafsu.... xpe kut, itu satu pengorbanan untuk masa depan yg cerah. InsyaAllah. All I need to do now is to pray that my determination doesnt fade away.