Life Is A Gift

Today before you think of saying an unkind word– think of someone who can’t speak.

Before you complain about the taste of your food– think of someone who has nothing to eat.

Before you complain about your husband or wife– think of someone who is crying out to God for a companion.

Today before you complain about life– think of someone who went too early to heaven.

Before you complain about your children– think of someone who desires children but they’re barren.

Before you argue about your dirty house, someone didn’t clean or sweep– think of the people who are living in the streets.

Before whining about the distance you drive– think of someone who walks the same distance with their feet.

And when you are tired and complain about your job– think of the unemployed, the disabled and those who wished they had your job.

But before you think of pointing the finger or condemning another– remember that not one of us are without sin and we all answer to one maker.

And when depressing thoughts seem to get you down– put a smile on your face and thank God you’re alive and still around.
Life is a gift – Live it, Enjoy it, Celebrate it, and Fulfill it.

BENGKEL PENGURUSAN KEWANGAN

2 hari menjalani bengkel pengurusan kewangan yang kini dijadikan sebagai kursus wajib untuk semua pelatih IPG dan sememangnya saya bersetuju untuk diwajibkan memandangkan salah satu masalah penjawat awam terutamanya golongan baru bekerja adalah masalah pengurusan kewangan. Yealah kadangkala kesusahan semasa belajar menyebabkan sebilangan nak membalas dendam dan berbelanja lebih, segelintir lagi tidak didedahkan dengan pengurusan kewangan yang betul dan segelintir lagi memang tak kisah. Situasi semasa iaitu 4 rakyat Malaysia muflis setiap hari adalah satu statistic yang begitu membahayakan apatah lagi golongan muflis ini kebanyakannya adalah golongan baru bekerja terutamanya bumiputera dan melayu. Maka saya sokong 100% bengkel seperti ini diwajibkan.

Maka 2 hari berkursus, dan apa saya dapat??

Sejujurnya tak banyak sebab sejak 3 tahun lepas saya dah berusaha menimba ilmu pengurusan kewangan ini. Yang saya buat ialah:

1. Beli panduan cashflow daripada Pak Di
2. Beli 4 buku Robert Kiyosaki.
3. Beli buku What school never teach you about money. (Ini memang terbaik)
4. Beli buku Money Rule. (Agak hebat)

Gabungan semua ilmu ini membolehkan saya mengamalkan hidup sderhana dan menyimpan >10K daripada elaun selama 4 tahun.

Dalam bengkel ini, dibahagikan kepada 3 skop utama yang dilihat paling dekat dengan penjawat awam iaitu Pengurusan Cashflow, Insuran, Kad Kredit. Dengan pengetahuan yang diperoleh, saya rasakan untuk yang tidak sempat mengikuti bengkel, beberapa sumber yang saya baca dan mampu membantu adalah:

• Untuk pengurusan cashflow, untuk lebih memahami saya lebih syorkan baca dan fahami ebook panduan cashflow daripada PakDi dan money Rule.
• Untuk insuran, saya lebih suka tengok pandangan daripada Robert kiyosaki dan buku what school never teach you about money.
• Untuk pengurusan kad kredit saya lebih suka pandangan daripada Panduan Cashflow dan sedikit daripada buku WTF: 23 Property by 30. Sebab keduanya membahaskan kad kredit dari sudut berbeza. 

Semoga semuanya mendapat manfaat bengkel hari ini

The best 10 Motivational Quotes for my soul today

10 Motivational Quotes that motivate me again today.

1. Your time is limited, so don’t waste it living someone else’s life. –Steve Jobs
2. Two roads diverged in a wood, and I took the one less traveled by, and that has made all the difference.  –Robert Frost
3. You miss 100% of the shots you don’t take. –Wayne Gretzky
4. We become what we think about. –Earl Nightingale
5. Twenty years from now you will be more disappointed by the things that you didn’t do than by the ones you did do, so throw off the bowlines, sail away from safe harbor, catch the trade winds in your sails.  Explore, Dream, Discover. –Mark Twain
6. The best time to plant a tree was 20 years ago. The second best time is now. –Chinese Proverb
7. Don’t wait. The time will never be just right. –Napoleon Hil 
8. Whether you think you can or you think you can’t, you’re right. –Henry Ford
9. There is only one way to avoid criticism: do nothing, say nothing, and be nothing. –Aristotle
10. When I was 5 years old, my mother always told me that happiness was the key to life.  When I went to school, they asked me what I wanted to be when I grew up.  I wrote down ‘happy’.  They told me I didn’t understand the assignment, and I told them they didn’t understand life. –John Lennon

Simple advise.

Only 2 sentences and it give me so much things to think. Thanks. :)

" Jangan biarkan orang lain membunuh impian anda. Maju terus, hadapi semua rintangan dan raih impian anda. "

Hari baru dengan cerita ini.. :)

Suatu hari, dua orang sahabat menghampiri sebuah lapak untuk membeli buku dan majalah. Penjualnya ternyata melayani dengan buruk. Mukanya pun cemberut. Orang pertama jelas jengkel menerima layanan seperti itu. Yang mengherankan, orang kedua tetap enjoy, bahkan bersikap sopan kepada penjual itu. Lantas orang pertama itu bertanya kepada sahabatnya, “Hei. Kenapa kamu bersikap sopan kepada penjual yang menyebalkan itu?”

Sahabatnya menjawab, “Kenapa aku harus mengizinkan dia menentukan caraku dalam bertindak? Kitalah sang penentu atas kehidupan kita, bukan orang lain.”

“Tapi dia melayani kita dengan buruk sekali,” bantah orang pertama. Ia masih merasa jengkel.
“Ya, itu masalah dia. Dia mau bad mood, tidak sopan, melayani dengan buruk, dan lainnya, toh itu enggak ada kaitannya dengan kita. Kalau kita sampai terpengaruh, berarti kita membiarkan dia mengatur dan mempengaruhi hidup kita. Padahal kitalah yang bertanggung jawab atas diri sendiri.”

Sahabat, Tindakan kita kerap dipengaruhi oleh tindakan orang lain kepada kita. Kalau mereka melakukan hal yang buruk, kita akan membalasnya dengan hal yang lebih buruk lagi. Kalau mereka tidak sopan, kita akan lebih tidak sopan lagi. Kalau orang lain pelit terhadap kita, kita yang semula pemurah tiba-tiba jadi sedemikian pelit kalau harus berurusan dengan orang itu.

Mengapa tindakan kita harus dipengaruhi oleh orang lain? Mengapa untuk berbuat baik saja, kita harus menunggu diperlakukan dengan baik oleh orang lain dulu? Jaga suasana hati. Jangan biarkan sikap buruk orang lain kepada kita menentukan cara kita bertindak! Pilih untuk tetap berbuat baik, sekalipun menerima hal yang tidak baik.

“Pemenang kehidupan” adalah orang yang tetap sejuk di tempat yang panas, yang tetap manis di tempat yang sangat pahit, yang tetap merasa kecil meskipun telah menjadi besar, serta tetap tenang di tengah badai yang paling hebat.

Diambil dari SINI.

MONEY, HAPPINESS AND LIFE

This is what people said...

1. Some people say that money is the root of evil but Robert Kiyosaki told me that no money is the root of evil.
2. People always say that money is not everything but somebody show me that nowadays, everything need money.
3. People say that money can’t bring happiness, but the richer show that, what they have is one of source of happiness.
4. People say that money can’t buy happiness, but nowadays, I don’t see poor people much happy than the richer.
5. People say that if you have too much money you will be obsesses with money, but what I see is those who have money not obsesses to money, those poor and no money is the one that obsesses.
6. People think that money can make your family broke, but what I see is family without enough money can’t manage their family well.
7. People say that too much money will make you far from god, lack of faith, I’ve seen that those who don’t have enough money can’t manage their time to be with god and help the others.

WHEN I LOOK BACK, THOSE WHO SAID THE NEGATIVE THINGS ABOUT MONEY IS THOSE WHO DON’T HAVE ENOUGH MONEY YET AND I DON’T KNOW HOW THEY CAN SAY SO EVEN THOUG THEY NEVER GO THERE(as rich person).

I always trying to be positive and for me, it’s not the money that change anything. It’s you. Money is just money, if you don’t change, nothing happen.

So, if you want to be rich and wealthy, I think we should never stop, but just never forget who are you.

THEIR REACTION

When I share something big event yesterday, some reaction of people around was different. Some show interest, some show bad and react as it’s no need, some react like’s it’s not in our circle, some react nothing and I just think something and learn.

My experience teach me that in this life there’s always three types of people around you, the stopper, encourager and the other types is don’t care. Where ever you are, this three types will always there and it’s not you job to run or just be with the encourager. You job is to do your own responsibility. Your life is yours and nobody can take it from you.

I always have no courage to share and to tell what is my dream, what I want to do, what I get and what I’m going to get in my personal life. It’s because I always afraid about rejection, discouragement, and so on that may stop me from go on with my dream. However, I still believe that one day I will have enough courage and I’ll tell everything when needed.

Important things in life

A philosophy professor stood before his class with some items on the table in front of him. When the class began, wordlessly he picked up a very large and empty mayonnaise jar and proceeded to fill it with rocks, about 2 inches in diameter.

He then asked the students if the jar was full. They agreed that it was.

So the professor then picked up a box of pebbles and poured them into the jar. He shook the jar lightly. The pebbles, of course, rolled into the open areas between the rocks.

He then asked the students again if the jar was full. They agreed it was.

The professor picked up a box of sand and poured it into the jar. Of course, the sand filled up the remaining open areas of the jar.

He then asked once more if the jar was full. The students responded with a unanimous “Yes.”

“Now,” said the professor, “I want you to recognize that this jar represents your life. The rocks are the important things – your family, your partner, your health, your children – things that if everything else was lost and only they remained, your life would still be full. The pebbles are the other things that matter – like your job, your house, your car. The sand is everything else, the small stuff.”

“If you put the sand into the jar first,” he continued, “there is no room for the pebbles or the rocks. The same goes for your life. If you spend all your time and energy on the small stuff, you will never have room for the things that are important to you. Pay attention to the things that are critical to your happiness. Play with your children. Take your partner out dancing. There will always be time to go to work, clean the house, give a dinner party, or fix the disposal.”

“Take care of the rocks first – the things that really matter. Set your priorities. The rest is just sand.”

I'VE READ THIS STORY A FEW TIMES AND IT'S ALWAYS AS BEFORE, ALWAYS MADE ME THINKING WHETHER I PUT THE RIGHT OR WRONG THINGS IN MY OWN LIFE.

2013 Wishes?

Its been 2^nd day in November. Means just in two month, 2013 will be last and move on. So, did you get what you wish to have, to be this year? I hope it’s been achieved or at least almost achieved. There’s still two month to keep going, so check again what did you wish 10 month ago. 

About my wishes this year, so far everything good, just 3 ongoing thing that not yet achieved, but the other 17 thing have been achieved. So, I’m just get ready to set new revolution for next year. And I remind myself that next year will be the real life where’s I’m not a student anymore. So I have to get ready mentally, emotionally, physically, spiritually and socially. 

Don’t start something bad habit.

Bad behavior is easily becoming a habit for someone, while bad behavior was not so easily to  be. So, before decide to do something, try to think about this:

1. Never quit or it will be you habit.
2. Don’t try smoking or it will be your habit.
3. Don’t be lazy or you will be lazy forever.
4. Don’t give up for something good or you will be a loser forever.
5. Don’t stop trying or you will never succeed.
6. And so on…

As long you want to be and give the best in your life, move ahead and never try something that you know it’s bad. Have a nice day. :)