Category Archives: Book Review

Begging and Asking

Allah wants us to learn something

We were created not just to survive but to thrive

Strength in sadness is make our heart is firm.

Look at what beggar do?
We don’t like beggars, but Allah does. When we humble, elevate ourselves

More need Allah, more Allah makes us rich.

Hands” dua is begging.

Begging Allah to die in lailah (syahadah).

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Motivasi Positif Prof Muhaya

Hampir setiap hari di tempat kerja akan menghadap komputer hari-hari, boleh tertidur kalau tak dengar apa-apa.

While doing my work, I listen to Prof muhaya motivational talk. At least, feel inspired and learn something to improvise our life.

1. Orang yang banyak takut dalam kehidupan, orang itu banyak buat salah.

Rasa kurang yakin dengan Allah sebab dia kurang kenal Allah. Allahu alam.

Hanya orang bermasalah, cari masalah. Sepatutnya terus cari penyelesaian.

Kehidupan
(-)ve
a. Merungut
b. Mengumpat
c. Mengeluh
d. Menyesal
* Kalau orang kata negatif, suruh dia doakan kita “tolong doakan saya ya”

Gantikan
a. Menghargai
b. Positif
c. Beri tujuan
d. Melihat kebaikan

Jadi orang proaktif iaitu brtanggungjawab dan buat keputusan program apa yang kita hendak

Setiap pagi,  cakap dengan diri, ” hari ini saya ingin lihat dengan kebaikan

2. Hormati semua orang sebab

Orang tak tengok baju cantik sebagai pengukur.
Kalau orang lemah lembut, orang tertarik sebab hatinya lemah lembut juga.

3. Kita menjadi magnet diri kita.

Kena ada tujuan, fokus, tahu apa yang kita hendak.

Jangan orang luar mempengaruhi kita, kawal emosi kita.

Sibukkan diri sampai tiada masa cari keburukan orang. Cari perkara kebaikan kita boleh buat banyak2.

Orang yang berjaya, boleh mengawal Minda dan fikiran.

Membuat matlamat dan capaian matlamat yang sudah dicapai

70% orang banyak membebankan diri dengan mengingati, mengeluh kisah lalu. Orang proaktif banyak berfikir jadi apa yang saya boleh buat sekarang.

Ubah perkataan:
Saya nak cepat, takut terlambat
tapi
Saya nak cepat, nak cepat masa

4. Kalau hendak tengok masa depan seseorang, tengok cara dia bercakap. Banyak positive atau sebaliknya. Sebab ia akan merujuk cara berfikir dan tindakan.

Contoh: orang yang mencari ilmu sekarang, lihat dia pada 20 tahun akan datang.

5. Reset Minda Pekerja

Niat kerana ingin memenuhi tujuan hidup. Kalau keperluan hidup nampak dunia. Btulkan Niat.

3 budaya kerja
a. Ubudiyah (kehambaan)
Hamba Allah & pengikut bos
b. Masuklah (brtanggungjwb)
c. Itqan(kerja berkualiti)

6. Hidayah

Duit kita cari, Hidayah kita banyak persoalkan tak nak cari.

Kita kena banyak berdoa supaya berjumpa dengan orang yang baik.

Rich Dad Poor Dad Lesson Overcoming Obstacles

The five reasons are:

1. Fear.

2. Cynicism.

3. Laziness.

4. Bad habits.

5. Arrogance.

 

  1. I have never met a rich person who has never lost money. But I have met a lot of poor people who have never lost a dime. . .investing, that is.
  2. The primary difference between a rich person and a poor person is how they handle that fear.
  3. When I see blood, I don’t run. I pass out. My rich dad understood phobias about money. “Some people are terrified of snakes. Some people are terrified about losing money. Both are phobias,” he would say. So his solution to the phobia of losing money was this little rhyme: “If you hate risk and worry. . .start early.” That’s why banks recommend savings as a habit when you’re young. J If you start young, it’s easy to be rich. I won’t go into it here, but there is a large difference between a person who starts saving at age 20 versus age 30. A staggering difference.
  4. So for most people, the reason they don’t win financially is because the pain of losing money is far greater than the joy of being rich. Another saying in Texas is, “Everyone wants to go to Heaven, but no one wants to die.” Most people dream of being rich, but are terrified of losing money. So they never get to Heaven.
  5. But if you have dreams of freedom-of getting out of the rat race- the first question to ask yourself is, “How do I respond to failure?” If failure inspires you to win, maybe you should go for it.
  6. It takes guts, patience and a great attitude toward failure. Losers avoid failing. And failure turns losers into winners.
  7. Cynics criticize, and winners analyze
  8. Rich dad explained that criticism blinded while analysis opened -< eyes.
  9. So whenever you find yourself avoiding something you know you should be doing, then the only thing to ask yourself is “What’s in it for me?” Be a little greedy. It’s the best cure for laziness. Too much greed, however, as anything in excess can be, is not good. But just remember what Michael Douglas said in the movie Wall Street. “Greed is good.” Rich dad said it differently: “Guilt is worse than greed.
  10. Forcing myself to think about how to make extra money is like going to the gym and working out with weights. The more I work my mental money muscles out, the stronger I get.
  11. When you know you are ignorant in a subject, start educating yourself by finding an expert in the field or find a book on the subject.
  12. Finding a good deal, the right business, the right people, the right investors, or whatever is just like dating.
  13. You must go to the market and talk to a lot of people, make a lot of offers, counteroffers, negotiate, reject and accept.
  14. Education and wisdom about money are important. Start early. Buy a book. Go to a seminar. Practice. Start small.

 

 

Rich Dad Poor Dad Lesson 4

Lesson Four: The History of and The Power of Corporation

  1. The real reality is that the rich are not taxed. It’s the middle class who pays for the poor, especially the educated upper-income middle class.
  2. He explained that the idea of taxes was made popular, and accepted by the majority, by telling the poor and the middle class that taxes were created only to punish the rich. This is how the masses voted for the law, and it became constitutionally legal. Although it was intended to punish the rich, in reality it wound up punishing the very people who voted for it, the poor and middle class.
  3. within my organization, the fewer people I hire and the less money I spend, the more I am respected by my investors.
  4. If you work for money, you give the power up to your employer. If your money works for you, you keep and control the power.
  5. Paid so much for smart tax accountants and attorneys. It was less expensive to pay them than pay the government
  6. Focusing on my own business, developing assets, made me a better employee. I now had a purpose.
  7. Each dollar in my asset column was a great employee, working hard to make more employees and buy the boss a new Porsche with before-tax dollars.

  1. No. 1 is assets. 
  2. No. 2 is investing. What I call the science of money making money. This involves strategies and formulas. This is the right brain side, or the creative side.
  3. No. 3 is understanding markets. The science of supply and demand. There is a need to know the “technical” aspects of the market, which is emotion driven; the Tickle Me Elmo doll during Christmas 1996 is a case of a technical or emotion-driven market.
  4. No. 4 is the law. For instance, utilizing a corporation wrapped around the technical skills of accounting, investing and markets can aid explosive growth.

An individual with the knowledge of the tax advantages and protection provided by                  a corporation can get rich so much faster than someone who is an employee or a                      small-business sole proprietor. It’s like the difference between someone walking                    and someone flying. The difference is profound when it comes to longterm wealth.

1. Tax advantages: A corporation can do so many things that an individual cannot. Like pay for expenses before it pays taxes. That is a whole area of expertise that is so exciting, but not necessary to get into unless you have sizable assets or a business.

2. Protection from lawsuits. We live in a litigious society. Everybody wants a piece of your action. The rich hide much of their wealth using vehicles such as corporations and trusts to protect their assets from creditors. When someone sues a wealthy individual they are often met with layers of legal protection, and often find that the wealthy person actually owns nothing. They control everything, but own nothing. The poor and middle class try to own everything and lose it to the government or to fellow citizens who like to sue the rich. They learned it from the Robin Hood story. Take from the rich, give to the poor. It is not the purpose of this book to go into the specifics of owning a corporation.

The Rich People With Corporations

  • . Earn
  •   Earn
  •   Spend

The People Who Work for Corporations

  •  Pay Taxes
  • Pay Taxes
  •  Spend

 

Rich Dad Poor Dad Lesson 3

Lesson Three: Mind Your Own Business

  1. Keith said it was one of the most important lessons in his life. Today, Keith owns car washes, but his business is the real estate under those car washes.
  2. There is a big difference between your profession and your business. Often I ask people, “What is your business?” And they will say, “Oh I’m a banker.” Then I ask them if they own the bank? And they usually respond. “No, I work there.”
  3. To become financially secure, a person needs to mind their own business.
  4. The odds are against success: Nine out of 10 companies fail in five years. Of those that survive the first five years, nine out of every 10 of those eventually fail, as well.

 

So what kind of assets am I suggesting that you or your children acquire? In my world, real assets fall into several different categories:

1. Businesses that do not require my presence. I own them, but they are managed or run by other people.  If I have to work there, it’s not a business. It becomes my job.

2. Stocks.

3. Bonds.

4. Mutual funds.

5. Income-generating real estate.

6. Notes (lOUs).

7. Royalties from intellectual property such as music, scripts, patents.

8. And anything else that has value, produces income or appreciates and has a ready market.

 

 

 

 

Rich Dad Poor Dad Lesson 2

Lesson Two:Why Teach Financial Literacy?

  1. We can work or not work, and our wealth grows automatically, staying way ahead of inflation. I guess it means freedom. The assets are large enough to grow by themselves. It’s like planting a tree. You water it for years and then one day it doesn’t need you anymore. It’s roots have gone down deep enough. Then, the tree provides shade for your enjoyment.
  2. Intelligence solves problems and produces money. Money without financial intelligence is money soon gone.
  3. Rule One. Buy assets. Rich people acquire assets.
  4. What is missing from their education is not how to make money, but how to spend money-what to do after you make it.
  5. More money seldom solves someone’s money problems. Intelligence solves problems
  6. When I want a bigger house, I first buy assets that will generate the cash flow to pay for the house.
  7.         Why the Rich Get Richer Income -> Assets -> More Income Expenses are low,                                                              Liabilities are low
  8.         Why the Middle Class Struggle Income goes up, Expenses go up Assets do not                                                                    increase, Liabilities do increase
  9. Concentrate your efforts on only buying income-generating assets.

Rich Dad Poor Dad Lesson 1

Lesson One: The Rich Don’t Work For Money

Rich Dad Poor Dad Review

  1. The most important thing is that you did something.
  2. Opportunities come and go. Being able to know when to make quick
    decisions is an important skill.
  3. Life does not talk to you. It just sort of pushes you around. “If you learn life’s lessons, you will do well. If not, life will just
    continue to push you around.
  4. “If you learn this lesson, you will grow into a wise, wealthy and happy young
    man. If you don’t, you will spend your life blaming a job, low pay or your boss
    for your problems. You’ll live life hoping for that big break that will solve
    all your money problems.”
  5. You really wanted to win, but the fear of losing was greater than the excitement
    of winning.
  6. “The poor and the middle class work for money.” “The rich have money work
    for them.”
  7. You see, true learning takes energy, passion, a burning desire.
  8. It’s fear that keeps most people working at a job. The fear of not paying their bills. The fear of being fired. The fear of not having enough money.
  9. study of money will continue over my lifetime,  lack of financial education that is the problem
  10. “The pattern of get up, go to work, pay bills, get up, go to work, pay
    bills… Their lives are then run forever by two emotions, fear and greed. Offer
    them more money, and they continue the cycle by also increasing their spending.
    This is what I call the Rat Race. They feel the fear of not having money.
  11. A job is really a short-term solution to a long-term problem.
  12. “Learn to use your emotions to think, not think with your emotions.
  13. “Keep working boys, but the sooner you forget about needing a paycheck, the easier your adult life will be. Keep using your brain, work for free, and soon your mind will show you ways of making money far beyond what I could ever pay you.