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Monday, May 24, 2010

# 28 - MIND improvement - To Live & Die a Rich Man

It Is Our Right to Live & Die a RICH MAN !


I'm not trying to be a Human Rights proponent here when I say that it is our right to be rich!

That's not my intention at all. And I'm not going to use the Basic Human Rights argument just to make a point....

What I mean by our right is that, whatever we become today is a result of what we planned and envisioned long time ago. So, if today I'm not rich...that's my right!

I deserved it! I'm not rich because I'd NEVER, I repeat NEVER dreamed of being RICH ! It sounds silly, but that's TRUE. No shame in admitting that.

But now, things are about to change. Now I WANT TO BE RICH. Even better, I must say that I AM ALREADY RICH and I WANT TO BE RICHER !

I'm also already acting like I am rich, because You BE--> You DO--> You HAVE....... and not the other way round.....i.e don't wait until you HAVE something then you want to do and act like you already have it. When you're used to acting like you already own it, then one day YOU WILL OWN it ! Simple example, the car that I've been driving the last 7 years is not mine, it's still the bank's but I acted like it's mine. I take care of it, love it, treasure it, thus it's mine one day! And if I really need a smartphone, I should just get it first, and work like hell to pay for it ! Because if I keep on saying that I must save the money first, most likely I will never get it !
Therefore, to be rich, I must act like I'm already rich.

At this point in time, I must make it clear that the definition of RICH is very subjective. You can ask 100 different people and yet every single one of them will give a different definition of what they perceive as RICH. So it is a matter of perception.

In general, you define RICH in the form of material possessions, like the house you live in, the car you drive and the salary you bring home or the position you hold in a small/big organisation. And you normally give an example of a rich man you know in order to define RICH. For example you see the richest man in your kampung as rich, or the richest man in the country as rich.

Nothing is wrong with all the above definitions and examples, but they're not accurate ! Why? because once you see only the richest people as rich, you limit your own chance of being rich!
After doing some reading on How To Live & Die Rich....I can summarise it as follows :







De-fine - what YOU mean as RICH
Sa-ve - Spend only on Needs, not Wants
In-vest - Make $ works for you
D-egree - or education --> can earn more
H-ealth - look after yourself --> spend less
Ma-rry - 2 heads & pockets better than 1
ENJOY - yr life (that's the aim of being RICH)

So, who wants to be RICH like me? Come join my group.....I Want to Live & Die Rich...check it out at my FB...



signed,

Amir DeSa InDaH

Thursday, May 13, 2010

# 27 - SOCIAL Improvement - Treasure Your Friends & Memories !

Old Memories Are Very Sweet Eventhough The Memory Itself Was Bitter !

The past couple of weeks had been busy for me. Busy with getting reconnected with a group of long lost friends from my early childhood times in general. i.e specifically my primary school's era.

Mala, Epa, Zainia, Kamarulzaman, Marhani, Hasyimy, Zura....are some of the names which had contributed to my early childhood memories at SKS. And now after some 24 years later, these friends of mine have re-lighted my candles of memories by sharing their stories during those most memorable and most wonderful period in my childhood....

So how can those old stories improve my life TODAY?

For me those old memories are the only things which can hold us together as friends. And only those who appreciate friendships will know the importance of memories and the emotions attached to it (i.e. happy feelings) when our friends remember us for who we were....and be ready to accept us as who we are today.

And the most beautiful part is that, even though what our friends or we ourselves remember about us was bitter when we experienced it once upon a time ago, it still becomes a very Sweet Memory for us TODAY !!!!

For example....one friend reiterated his experience of being whacked with a rattan by a teacher due to his failure to memorise the Sifir (multiplication table) - which I also KENA ! I'm sure he didn't like it (so was I) when it happened then, but now we can tell the story in laughter and in good humour....The bad memory was an important event which turned us into humans as we are today !

Some people might not like to talk about the past so much because they say it will hinder them from moving forward. In a sense this kind of attitude is true but why do we have to take the negative part of an event when we can create many positive outcomes from it. It actually depends on our own creativity and intentions (NAWAITU).

For example, it's much easier to befriend a long lost friend compared to trying to befriend a total stranger! And this old friend of us can immediately become our best friend whilst a stranger will will take a few months or even years for us to become close to them.....

And why do we need friends or close friends?

Do I need to answer this question? I think everyone knows the answer...which generally are....to fulfill our socialisation needs, our spiritual needs or even to expand our business ! The more friends you have the more colourful your life will be.....and so on....

So, I'm very glad that my long lost friends are mainly very sporting, friendly and positive towards my attempt to rekindle our relationships. And let's hope the best for the future my dear friends.....Let us be friends FOREVER......

I LOVE YOU ALL, my dear friends.......no matter if you're from KSU, SKS, Maxwell, Alam Shah, KFC Pertama, IPM, Binary, PPPITM Subang, Tonbridge, EDU, UMIST, Maybank, HSBC, KKUM or any where our paths of life had crossed......



I want to be Your Close Friend, Do You?




A Great Friend In The Making,
Amir Hamdzan


Monday, May 3, 2010

# 26 - PARENTING improvement - Teach Kids To Save Money

And Before You Teach, You Must D-I-Y !

Whatever we want other people to do, most of the times we MUST do it ourselves first !

So in our attempt to teach our kids to save money, we must first of all save money for them, since the day our children were born ! It doesn't have to be a lot.....a mere RM 1 per day would be sufficient. In fact, anybody and I mean ANYBODY (rich and poor) should be able to save at least RM 1 per day for the future of their children.

So, from the first day of your child for example,

On his/her 1st birthday, your contribution = RM 365.00
Money from friends/families (BabyGifts) = RM 320.00
Collection during Hari Raya open houses = RM 315.00
-------------------------
TOTAL = RM 1,000.00
==================

Therefore, after 1 year your baby should have at least RM 1k in his/her account. That's the ideal situation, for parents who are forward-looking and have the discipline to save RM 1/day for their children's future !

In my own case, I always had the vision to save certain amount of money for my children but never had the discipline to do it ! And most of the time I was just planning to save, but never did it !

The sad thing is I KNEW it was important to save for my children. And I KNEW a better way to save, better than putting away RM 1/day in a Tabung, but I didn't do it !

Why that happened? Partly because of life's dificulties and hardships (excuses!!!!)

And partly because I tried to do everything alone. I never get my wife and kids involved in what I was trying to do, thus it was doomed to fail since it first started. For example, I did try to save RM 1/day for my first kid, but it failed halfway. The monies never reached the bank !

So, after learning from all the mistakes and in the spirit of continuous improvement, it's time to make things right in this area of SAVINGS FOR THE FUTURE !

This time around :
i) I involve my wife and my kids - let the wife know and get the kids to start savings money in a nice Tabung (bought from the souvenir shop, i.e investment this is!)
ii) I took the kids along, together with their Tabungs, straight to the bank with what we have - and Maybank's Yippie is the answer
iii) And next week I'll start a new way to ensure their future (will talk about this later).

So, till next week...BYE !