Monday, February 24, 2014

Financial Statement 101

Welcome to Financial Statement
based on the "Rich Dad Poor Dad" by Robert T. Kiyosaki

Everybody, I repeat, everybody have their own financial statement monthly.
From financial statement, we can see the cash flow of the individual.
And just based from the cash flow, the individual can either be POOR, or RICH

The Financial Statement

First of all, I will proceed with definition (in my own simple words)

Income : Money entering your wallet
Expense : Money leaving your wallet
Asset : Anything that you have (tangible or intangible) that makes you MORE money.
Liabilities: Anything that you have (tangible or intangible) that makes you LOSE money.

Capishe? Good.

How is the cash flow of a middle class/ordinary people?

Financial Statement of Middle Class

JOB gives you earned income which enters your wallet (income).
For most of the people, the income goes straight to Liabilities (car loans, mobile plan, credit cards).
Liabilities generates expenses (car loan payment, mobile plan payment, credit cards payment)
Only after all that, the remainder goes into savings (if there's any)

What really happened?
Middle class do not focus on building their assets. As the result, after years, they still do not have any assets.
So, let's say the world facing global economy crisis similar to 1997; people losing their jobs, their earned income is gone. BUT, the liabilities is still there, and expenses is still there too. Problems?

So, how do the RICH do it? 

Earned income from their jobs, the rich go straight to building their ASSETS (real estate, gold, businesses).
Since most of their money is spent on assets, they have to limit their LIABILITIES, which in turn reducing their EXPENSES.
So, after years, their assets GROW, and generating PASSIVE income, which contribute back to their income and assets. 
In economic crisis, even though the rich might lose their job, they still have their passive income working for them.

AND when their passive income monthly is more than their monthly expenses, they reached FINANCIAL FREEDOM. 

To wrap things up, I only have 1 question. Which financial statement do you want to follow?

Thanks for reading! Any questions, do contact me personally. I'll try my best to help.

If you like it, do share!

Saturday, February 22, 2014


Tried multiple facial products and ended up disappointed?
Skin problem affecting your confidence?

Most of the people focusing on external factor when handling with skin issues; facial products/sessions.
The internal factor; nutrients, hormones, healthy cells, are often ignored.

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·         GLA Complex; regulates estrogen (PMS) and testosterone, delays menopause, improves skin inflammation, repairs dry/fall hair (MYR 91.25)
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Phone/SMS/Whatsapp : Anis Izzuddin @ 014 8905082 for supplement consultation and purchases


Tuesday, February 18, 2014


it is in everyone, believe in yourself


Our deepest fear is not that we are inadequate, our deepest fear is that we are powerful beyond measure, beyond measure.

Ima show you, how great I am.

Last night I cut the light off in my bedroom, hit the switch, and was in the bed before the room was dark.

Ima show you, how great I am.

Only last week, I murdered a rock, injured a stone, hospitalized a brick, Im so mean I make medicine sick.

Ima show you, how great I am.

This kids gonna be the best kid in the world.
This kids gonna be somebody better than anybody I ever knew.

Ima show you, how great I am.

I have wrastled with an alligator, I done tussled with a whale, I done handcuffed lightnin, thrown thunder in jail.

Ima show you, how great I am.

All you chumps are gonna bow when I whoop him, all of you, I know you got him, I know youve got him picked, but the mans in trouble, Ima show you how great I am.

But somewhere along the line you changed, you stopped being you.
You let people stick a finger in your face and tell you youre no good, and when things got hard, you started looking for something to blame, like a big shadow.
Let me tell you something you already know, the world aint all sunshine and rainbows, its a very mean and nasty place and I dont care how tough you are, it will beat you to your knees and keep you there permanently if you let it.
You, me, or nobody, is gonna hit as hard as life; but it aint about how hard you hit, its about how hard you can get hit and keep moving forward, how much you can take and keep moving forward.
Thats how winning is done.

Cause if youre willin to go through all the battling you gotta go through to get to where you wanna get, whos got the right to stop you.
I mean maybe some of you guys got something you never finished, something you really want to do, something you never said to somebody, something.
And youre told no even after you pay your dues, whos got the right to tell you that, who? Nobody.
Its your right to listen to your gut, it aint nobodys right to say no, after you earn the right to be where you want to be and do what you want to do.

Now if you know what youre worth, then go out and get what youre worth.
But youve gotta be willing to take the hits.
And not pointing fingers saying you aint where you wanna be because of him, or her, or anybody.
Cowards do that and that aint you!
Youre better than that!

Our deepest fear is not that we are inadequate, our deepest fear is that we are powerful beyond measure.

It is our light, not our darkness that most frightens us.

Our deepest fear is not that we are inadequate.
Our deepest fear is that we are powerful beyond measure.
It is our light, not our darkness that most frightens us.
Your playing small does not serve the world.
There is nothing enlightened about shrinking so that other people won't feel insecure around you.
We are all meant to shine, as children do.
It's not just in some of us; it's in everyone.
And as we let our own light shine, we unconsciously give other people permission to do the same.
As we are liberated from our own fear, our presence automatically liberates others.

Our deepest fear is not that we are inadequate, our deepest fear is that we are powerful beyond measure.

Sunday, February 2, 2014

Why you need to pay your credit cards full every month?

For those of you who do not have 3 minutes and 25 seconds to watch this video (or a slow internet connection, I feel you bro), let me summarise it for you. If you only pay the minimum amount monthly, you are basically only paying the interest.

And it will take you a whopping 36 years to clear off your credit card debt,.. and that provided you don't swipe your credit card on next purchases.

Share with me your thought and comments!

for more on financial tips:


Saturday, July 16, 2011

@Lata Kinjang

 Normal Combo Water Slide

 Combo Water Slide GONE WRONG!

Sunday, January 23, 2011

bila creative + terrorism

antara mainan faveret aku time kecik2 dulu adalah lego. aku rasa lego adalah mainan ultimate sebab flexible, takkan rosak, mudah utk dimain, macam2 outcome bleh buat. tapi lepas men aku salu malas nak kemas, akibatnya koleksi lego aku slalu kn rampas. rampas pastu kn sembunyi sampai skang tak jumpa2. mmg hebat hideout itu.

mcm2 benda creative yg org dah buat zaman skang. dari kereta mini bodoh2 sampai statue manusia. sungguh awesome. tp bila mainan lego dikaitkan ngan terrorism,..

Awesome and Dangerous Lego Weapons (17 pics + 2 videos)

Awesome and Dangerous Lego Weapons (17 pics + 2 videos)

Awesome and Dangerous Lego Weapons (17 pics + 2 videos)
 Awesome and Dangerous Lego Weapons (17 pics + 2 videos)

awesome babeng!

more legoweapon


cuaca kat utp, tronoh ni secara averagenya mmg panas. lebih hot daripada biasa! lam seminggu tu kadang2 takde hujan. aku takleh imagine camner keadaan kat jelebu, tempat paling kering kat malaysia ni. mungkin penduduk kat situ sumer layan tanam pokok kaktus. mungkin.

cuaca kat tronoh ni aku agak2 macam gunung berapi kra-ka-tau. aku tak sure camner ejaan gunung berapi tu yg sebenarnya tp bunyi lebih2 kurang sama. cincai2 la kata org. gunung berapi ni tak akan meletus utk beratus/berpuluh tahun, tp skali dia meletus, memang tak alang2. kaw2 dia bagi.

sembang pasal gunung berapi ni, aku teringat cikgu geografi aku dulu, cikgu ho. cikgu ho ni sangat awesome sampai dia bleh tulis kat blackboard sambil tgk student. ya, menulis tanpa melihat tanpa salah. awesome bukan? cikgu ho ttp dalam kenangan.

oh aku dah menyimpang jauh. apa2 pun, semalam sedang aku tgh drive kat ipoh, hujan turun kaw2. mengejut lak tu. mungkin sebab tu ramai yg jatuh sakit kat utp ni. nak dipendekkan citer, kat jalan byk la air betakung dan kete aku mengalami hydroplane. bahasa tak cool utk hydroplane = tayar keta meluncur di atas takungan air kat jalan raya dan menyebabkan hilang kawalan.

so next time aku ingat
  • baca doa sebelum mula pejalanan.
  • jangan langgar lopak air. sebelum ni aku mengaku aku agak bodoh kerana menyangka lopak air tu boleh membersih bahagian bawah keta kalo dilanggar. aku tahu korang pun penah follow teori ni. jgn tipu, nanti berdosa.
  • jangan bawa laju2 time hujan. better safe than sorry bebeh.
  • ucap Alhamdulillah sebab dipanjangkan umur n tak eksiden. sikit lagi kot. cuak bai.
ingatlah org tesayang. renung2 kan, selamat beramal