Assalamualaikum wbt,
Semalam (16/1/10), saya telah menghadiri satu seminar bersama Azizi Ali selama 1/2 hari yang bertajuk “The Gold Rush Mini Workshop“.
Kepada sesiapa yang tidak mengenali Azizi Ali, beliau merupakan seorang financial speaker, penulis dan trainer. Beliau telah menulis lebih daripada 30 buku berkaitan pengurusan kewangan. Antara buku2 nya adalah seperti Millionaires are from Different Planet, [...]

Assalamualaikum wbt
Terdapat beberapa teknik untuk menjana serta memaksimumkan keuntungan melalui emas fizikal. Namun pada entri kali ini, saya merancang untuk lebih menekankan mengenai teknik “Pajak-Beli-Pajak” sahaja.
Pada 1/12/09 yang lalu, saya telah gadaikan hampir kesemua emas (kecuali syiling emas 1 dinar) yang saya telah beli pada 11/11/09 (sila rujuk entri Emas: Satu Permulaan) di Ar-Rahnu Bank [...]

Assalamualaikum wbt
Di Malaysia, terdapat beberapa institusi pengeluar emas fizikal yang sah seperti:
1. Maybank - Syiling Kijang Emas
2. UOB Bank - Syiling emas dan Jongkong emas
3. Dinar Emas Kelantan - Dinar emas
4. Kedai emas Poh Kong, Habib Jewel dan sebagainya - Jongkong emas
5. Public Fine Gold International Sdn. Bhd. - Syiling emas, jongkong emas dan dinar [...]

Assalamualaikum wbt
Sudah lama saya mencari-cari investment yang sesuai dengan diri saya. Walaupun macam2 pilihan ada di luar sana, namun tidak banyak yg saya minat dan yakin. Namun kini, saya sudah berjumpa dengan yang berkenan di hati. Antara portfolio yang saya berminat untuk kembangkan ialah emas. Dan saya merancang untuk kembangkan portfolio emas ini untuk [...]

(picture taken from www.southdacola.com)
Assalamualaikum wbt
Pernahkah anda mendapat email seperti di bawah ini?

“Brand” is the catchword of this decade. In the 1990s, if I remember well, brands are just logos that companies slap on their products. Now, the idea of “brand” is permeating everywhere, like a bean fart. Political parties talk about “rebranding” to attract voters. Old companies do “rebranding” for the “new market” (you changed the [...]

Assalamualaikum wbt

Kenapa pula geraN = geraM? Hehe…baiklah. Saya akan terangkan.
Sebenarnya, ramai di kalangan kita yang sangat berminat untuk menjadi usahawan. Namun, kebiasaannya, alasan utama yang menjadi penghalang bagi mereka ialah kekurangan modal permulaan. Ditambah lagi dengan mentaliti yang inginkan sekuriti dalam pendapatan berbanding mendapat bayaran setimpal dengan hasil kerja, maka ramai yang terus kekal menjadi [...]

Which one is preferable, to be street smart or book smart?
I am a bookish person, with a decent education background, so I admit this question is a no-brainer for me. There are many reasons why being book smart is way more preferable for survival than simply being “street smart”. In business, it is more so. [...]

Minggu lepas saya berjaya menang rumah lelong.
Unit tu sebuah unit kondominium 3 bilik di Puchong. Market price dalam RM140k max. Saya dapat harga RM85k. Kondo tu dah siap dibina lama dah. Tapi unit yang saya menang tu fresh lagi, masih suci murni, takde sape pernah dudok kat unit tu lagi.
Seperti biasa, proses lelong yg saya pergi tu [...]

Running a small business is all about making cash.
Accounts receivable is not cash. Investment in mutual fund is not cash. Letter of intent is not cash. Promise from your high school friend to talk to his rich uncle to invest in your new venture is not cash.
What is cash? Cash is what you can buy [...]

Assalamualaikum
Why bootstrap? You have to bootstrap if you have little amount of money to start a business. I’ll be honest with you that bootstrapping is not glamorous, it doesn’t feel nice, it’s very tough and worse, there’s a big chance to fail. You might break. You can imagine being Rambo while you’re bootstrapping. But to [...]

If your business doesn’t make money, you fail in business.
People who just started a business often get sidetracked early on. The first thing they do is making their business looks good. They print custom envelopes, custom letterheads, custom forms, custom business cards, custom store signs, custom this and that. All of these unnecessary and a [...]

Hello class.
Welcome to Professor Bal’s business class. Here, our motto is “cut the crap”.
Since this is our first class, let me start first by introducing myself. I was born in the year nineteen eighty-…ah, let’s cut the crap. Let’s move on to Lesson One, shall we?
Lesson One is “What is a Business Plan?”. Before you [...]

“Learning by experience” is just another name for “failing”. People who fail make up a lot of excuses. They (people who fail) spew forth meaningless platitudes, as if failing is the greatest thing that ever happened to them. The most common is along the lines of “failure is a lesson you cannot learn in school” [...]

Assalamualaikum…
As I promised in my previous post; The Typical Malay Entrepreneurs
I am not a book smart. I don’t deserve to be in that group. I believe it would be an insult for the book smarts if I say I am one of them. But I’m not sure whether I’m a street smart either. [...]

Last weekend I had the chance to play Cashflow 101. It was not my first time, but I learned something new.
So what the hell is Cashflow 101? It’s actually a board game created by Robert Kiyosaki, the famous writer of the Rich Dad Poor Dad series. In his books, Robert Kiyosaki stresses on his Cashflow [...]

Selagi ada orang yang mahu jadi kaya, selagi itulah akan ada skim cepat kaya. Menjual produk kecantikan, menjual laman web portal, melabur dalam emas, menjual e-book dan senarai ini tidak penah putus. Kesemua skim ini mempunyai beberape persamaan. Ia cenderung mempunyai nada yang sama (”anda adalah bos anda sendiri”, “kebebasan kewangan”, “lihatlah bmw 3 series [...]

Assalamualaikum…
I am constantly worried about the typical mindset of many Malay entrepreneurs. Seriously, if you get a peek of their companies’ profiles, it’s like they have the best vision and mission statements in the whole world. But when it comes to the business model….hmmm…it’s like they’re heading down south although they want to go to [...]

I am a firm believer in free market. What is a free market? Stripped of all technicalities, it means that anyone can buy and sell any legal products or services, and enter into transaction that both sides (seller and buyer) agree, with none or minimal oversight from the entities of power.