Picisan Marhaen9: Maggi oh Maggi

Pernah nampak tak gambar kat atas tu? All time faveret kan?
Maggi kari? Tak kira la sape, bujang ke, student ke, warden ke, budak asrama ke,  kompem mesti ade bande ni kat dalam locker and kalau lapar2 boleh makan

Bagi anak bujang yang tengah kumpul duit nak kahwin, "makan maggi senang jimat" antara ayat yang selalu je kita dengar.

10 tahun lepas memang la kita boleh cakap macam tu. Tapi sekarang, sebungkus maggi tu pun Rm1.20. 100% lagi mahal dari 8 tahun lepas. Jimat ke? Kalau satu pack maggi tomyam dah RM5. Seminggu RM5 utk maggi je? Mcm mana? Baik beli ayam ke ikan sekor lagi sihat, and ade protein.Tapi nak beli ayam sekilo RM6. Lari budget plak. Haish.

Ini maggi. Harga barang lain? Kuasa membeli kita semakin jatuh. Yang kaya semakin kaya, yang papa terus tiada, yang di tengah2 terus dihimpit.Harga barang 100% naik, macam mana gaji plak? Sepadan tak naik tu?

Maggi oh Maggi

-when marhaen speaks-

Picisan Marhaen8: Employees are never rich

Recommended Reading for those who are very interested to get to know about our economy and how does it relate to our life.

Dream to be rich?

I believe most of the people out there have been dreaming, fantasizing to have a better life, own a house, big car. But things will never come that easy especially in this recent years.

This is worth to read.

Thanks to the writer who shares his thoughts:)

Picisan Marhaen7: Classifications of People

Here I would like to share with you my understanding and views about people in our life.

After all, it is up to you to define which category you belong to.

Similar to matrix right, the inter-relation would work pretty effective.

Graph shown is "TIME" on the horizontal axis, and "Money Earned" on the vertical axis

I view people in my surrounding in four categories

A) This is the category where average and normal who have just started their life. They spend most of their time at office, workstations, more than 8 hours /day, even come to the office during weekends. However, due to lack of experience and start as freshie they dont get paid handsomely. I shall classify this as "Limited (No) Time, Limited (No) Money". Money hunter, not passive earner

B)"No Money but Have Time" is best describe to those who in a phase or transition to looking for a new job or changing jobs. They have plenty of times, yet their source of money is limited because no fixed income coming every month

C) "Have Money but No Time". This, I shall say, best to be fit to those Chiefs or Top Management in the company. Yes, its not arguable that they get pretty handsome pay, averagely their pay is equivalent to annual income for those in A. Their high responsible keeps them to stay back and sometime they don't really have time for their family.

D) "Have time, Have Money".  This can be referred to those successful businessman. They have time to think and think and try to develop new business to generate more cash. They definitely be their own boss. They are free to come to work whenever they want. This state is what we shall call "financial freedom"

In term of inter-relation, if you can see. those in B can jump into D because B and D are similar as they have ample time to run and start new business. They have time to think do research, try and errors.In fact, from B to D, it would not really take few years.

Unlike from A to C, it might take couple of decades to be in the top management lines. After all, the freedom of doing thing is still not ours.

Can't you see how time can transform ideas into money?

Again, the freedom is all ours?

So what group are we in?

-when marhaen speaks-

Picisan Marhaen6: Value The Sweats

Several weeks ago, I was having a short discussion after a futsal session with my fellow collegians.

Most of us are among mid 20's. Most of us have just started new life, new working life, and trying to be independent and see the world from our own eyes.

Me:  Hows your working man? Where are u at now? 

My Friend: Huh, Had I known working life is like this man, I would have not wanted to even start looking for a job 

Me: Why, what happened? Arent you happy with your works? 

My Friend: I am fine with my works, I have been learning alot like doing Excel, Presentation, Access and alot of communication skills. The one that I hate the most is "7 is the new 5" now in my life. When I got home, its already 9.30pm. So, when is the time to socialize? To get myself exercise. 

Me: I believe we are on the same page man.

 I bet most of you have that kind of conversation. You talk about life, you talk about how you could manage your funds, income, balancing your asset, trying to collect and turn liabilities into asset. You put yourself into the good debts. Sometime, bad debts coming to you uninvited.

Here's the point. Without realizing it, either we agree or not, we have become the slave of our own frameworks. We get up, we wake up, we suit up, we walk down, drive up, and stay 8 hours at least in the office. We even think about works at home. That is a sign that you are too caught up with your works. Avoid stressful life.

Sometime, have you ever thought that your paycheck is worth your effort?

Does the money you get compensate your pack and unhealthy schedules?

Don't let your sweats go to waste. Spare it with something that you like.

Think about it. Your life's candle keeps burning, its getting shorter, but does the light has given enough?

-when marhein speaks-

Picisan Marhaen5: Meet the Money 2

Bulan lepas, saya membaca suatu blog berkenaan dengan penjualan barangan di ebay

Ramai yang perlu tahu bahawa ebay merupakan salah satu platform untuk kita membuka peluang perniagaan.

Ini kerana default currency dalam ebay adalah USD, yang mana satu USD bersamaan RM3 duit Malaysia.

Tapi persoalan pertama, apa product yang nak dijualkan di ebay? Seterusnya, minda akan terus bertanya, dari manakah nak dapat supplier murah jadi margin profit adalah besar bagi setiap barang yang dijual?

Yang paling penting, adakah demand bagi product tersebut? Ini kerana semestinya kita tidak ingin menyimpan inventory yang banyak sebab nnt sekiranya kurang mendapat sambutan, rolling capital tiada. Susah untuk maintainkan bisness. Tetapi selepas saya menemui satu artikel di online di mana membuat duit melalui penjualan mainan. Sangat Simple bukan? Saya mencuba untuk menjualnya dan margin agak memuaskan. Yang penting kita kene tahu selok belok strategy. Di sini saya ingin berkongsi maklumat berkenaan strategy penjualan tersebut.Yang paling penting, ilmu tidak akan datang bergolek, usaha dan pengorbanan itu diperlukan.

Picisan Marhaen4: Meet the Gold 1

Pelaburan Emas Ramai yang sedia maklum, emas merupakan pelaburan yang selamat, low risky investment sebab volatility tak tinggi. Tetapi baru- baru ini digemparkan dengan issue investment emas yang tidak dibenarkan oleh BNM.

Setelah melakukan kajian dan penyelidikan, 10 Taun lepas nilai emas jauh lebih murah berbanding sekarang. Seutas gelang berharga di sekita bawah RM100. Cuba anda pergi ke Poh Kong dan lihat berapa harga emas sekarang.

Bagi pelaburan emas perlu la berhati2 kerana company yang kita ingin invest tu pastikan asset nya mampu untuk membayar segala liabiliti dan equity. Bak pepatah account,

Asset= Liability +Equity.

Jika asset tiada, bagaimana company tersebut ingin membayar return kepada pelabur?
Saya sudah cuba membuat bacaan berkenaan pelaburan ini. Emas memang stabil, boleh digunakan di masa susah.Saya tertarik kepada satu artikel tentang bagaimana nak buat duit menggunakan Emas, Saya rasa anda patut untuk membacanya. Rahsia Pendapatan 30k Sebulan - Lombong Emas
Rezeki tidak datang bergolek. Ilmu mesti dicari.
Sudah ramai yang berjaya mengikuti nya. Saya ingin berkongsi bende yang baik and berguna kepada anda semua.
Kini masa anda pula.

Jika bukan kita, siapa lagi yang mampu mengubah hidup kita:)

Picisan Marhaen3: Meet The Property 1

Property? Rumah? Property Booming? Sounds familiar kan? Itulah yang sedang berlaku di Malaysia. Kajian menunjukkan bahawa sepanjang satu tahun lepas average harga property naik adalah lebih kurang 30%. Bayangkan dalam setahun, rumah yang anda beli dengan harga Rm100,000 sudah bernilai RM130,000.

 Itu bagi yang mampu beli rumah? Tetapi bagaimana pula pihak yang tiada kemampuan? Mereka akan terus dihimpit.

Di Kuala Lumpur, jika dilihat, masih ramai yang tidur di balik2 jambatan, di celah2 bangunan, di sekitar masjid. Mengapa ini semua berlaku? Disebabkan kos sara hidup yang tinggi? Rumah yang bersaiz kurang daripada 1000sq feet mampu mencecah harga RM250,000 average.

 Pihak kerajaan juga ingin membantu golongan2 yang baru memulakan kerja, baru mencuba nasib sebagai seorang penjawat swasta mahupun awam. Tapi apakah daya, gaji average bagi fresh grad RM3000. Rumah harga RM300,000. 100X ganda. Semakin lama semakin rancak developer buat rumah. Rakyat marhaein semakin terpinggir. Sardin satu tin pun seolah seminggu gaji.

 Disebabkan dengan pencarian rumah ini, saya terjumpa beberapa tips and panduan daripada yang pakar dalam bisness property. Ada tips dan strategy yang kita boleh ikut. Walaupun gaji rendah, rumah mampu kita miliki. Mula2 nya, saya pun skeptical, tapi tips dan teori yang ditulis benar dan make sense. Lihat sudah berapa ramai org yang mampu utk memiliki umah sendiri. Saya cuma ingin berkongsi kepada sesiapa yang berminat. Saufi Karim's tips sangat membantu.

Ebook Pelaburan Hartanah Tanpa Modal
Jika kita tidak merubah hidup kita, siapa lagi?


 Ramai yang sudah berjaya memilik rumah? Jika masih ragu Anda boleh berjumpa sendiri dengan SK bagi mendapatkan lebih infomasi di seminar-seminar di Seminar Pelaburan Hartanah Tanpa Modal 2013

Picisan Marhaen2: Meet the Money 1

Be your own boss? Looking for passive income that could give you money when you sleep, when you eat, If you dont want to make a change, who else will? This is to help those who have the interest to success and at least get more bucks per month
Still Doubt? Try would not bring you any harm? Then why wait?