Dekad semasa yang menunjukkan potensi masalah kewangan.

Carta Yearly Element Strategy 2020 ciptaan Dato Eddy Rosyadie dan dilakarkan pada 2019 lalu menunjukkan elemen WOOD antaranya Pendidikan berada dalam fasa CAUTION pada Oct - December 2020. Berita Oktober 2020 ini menunjukkan fenomena tersebut.

Tahun 2020 ini kitaran tahun 6 iaitu rezeki.

Pengiktirafan Parameswara sebagai Raja Melaka ada pola 38 tentang kesultanan.

Dalam petak tarikh lahir, kedua2 pasangan ini ada pola usahawan. Dan apabila dilihat dari keempat2 jenis kiraan petak di atas ada satu persamaan iaitu "suka bekerja keras siang dan malam". Fenomena ini tentunya boleh melonjakkan seseorang / pasangan untuk teruskan usaha untuk maju di dalam perniagaan.

Petak tarikh lahir ada potensi perihal paru-paru dan tahun 2020 ini beliau dalam kitaran 5 halangan.

Petak Tarikh lahir ada potensi tentang makanan malah daripada keturunan juga. Jika kena dengan pola potensi maka kehidupan capai kejayaan dan kekayaan.

Dapatkan pola potensi dan kerjaya anda daripada Dato Eddy Rosyadie;
017 769 7946
016 624 9666

Apabila perjalanan kehidupan berubah mengikut dekad 10 tahun. Semasa mula2 membina syarikat ini pada tahun 2001 lalu, beliau ini berada dalam Dekad tengah mata angin 6 (Rezeki Masuk) dalam masa 1 tahun sahaja boleh melangsaikan hutang syarikat terdahulu dalam RM40Juta dengan mudah. Namun apabila masuk ke Dekad 10 tahun tekanan dan duit keluar ini,  kebetulan kerana pandemik terpaksa mengecilkan operasi malah dikatakan meminjam RM2.5 bilion lagi. Begitulah perjalanan kehidupan yang dilakarkan oleh Graf Dekad 10 tahun (ciptaan Dato Eddy Rosyadie).

Jadi, kepada SEMUA USAHAWAN, sepatutnya dapatkan Graf Dekad 10 tahun ini untuk menganalisa perjalanan kehidupan dan perniagaan. Perniagaan yang maju dan menguntungkan tak semestinya bertahan berterusan begitu pula perniagaan yang kurang maju tak semestinya begitu selamanya. Dekad berubah dan perjalanan hidup kita berubah. Tentunya, kita perlu tahu sama ada kita berada dalam dekad yang menguntungkan atau tidak.

Dato Eddy Rosyadie:
017 769 7946
​016 624 9666

Petak tarikh lahir individu ini menjelaskan perjalanan potensi kehidupannya yang TELAH dilalui. Jadi, berdasarkan kepada kajian pernomboran sebegini daripada orang2 terdahulu, maka pola2 pernomboran dijadikan panduan kepada mereka2 yang tercari2 potensi diri.

Mark Cuban’s top 5 pieces of financial advice
Published Mon, Sep 14 2020
Taylor Locke

Before Mark Cuban became a billionaire, he spent his 20s struggling to make ends meet – Cuban frequently came home to his lights turned off, he had his credit cards cut and he worked a number of odd jobs to stay afloat.

It wasn’t until Cuban sold his start-up, MicroSolutions, for $6 million in 1990 that he finally felt financially secure, he told Men’s Health in an interview published Sept. 1.

But through the rough times, Cuban learned a few money lessons, and as a result, he has five key pieces of financial advice he shares.

“The secret to financial wellness is a couple things,” Cuban told Men’s Health. 

Try not to accumulate credit card debt
Cuban has long advised against racking up credit card debt. So, he says, if you are going to use credit cards, pay the full balance on time.

“It’s OK to use credit to buy a house – mortgage rates are so low and houses can appreciate in value, but you don’t want to have a credit card that you don’t pay off every month,” Cuban told Men’s Health. “The worst investment in the world is credit card interest.” 

Cuban learned this lesson the hard way in his 20s when the interest on the money he owed on his credit cards quickly accumulated.

“The hardest lesson I learned was getting my credit cards ripped up,” he told Money in 2017. “I would charge something and think I would be able to pay it off and then not be able to. I can’t tell you how many credit cards I had ripped up.”

He understands it is extreme to avoid using credit cards all together, but insists it’s important to pay off any balance.

“Using a credit card is okay if you pay it off at the end of the month,” Cuban said in 2017. “Just recognize that the 18% or 20% or 30% you’re paying in credit card debt is going to cost you a lot more than you could ever earn anywhere else.” 

(According to recent Federal Reserve data released in September, the average interest rate for all credit card accounts is 14.87%. Among accounts assessed interest, or accounts with outstanding finance charges, the average interest rate rises to 16.88%. But for consumers with credit scores below 670, interest rates can near 30%, CNBC Select reports.)

All in all, “paying off your credit cards after 30 days, or not even using credit cards, is the smartest investment you can make or not make,” he said.

Don’t buy things you can’t afford
The “Shark Tank” investor’s second tip is to “live like a student,” he told Men’s Health. That means avoid overspending and spending on things you can live without.

“You don’t need to buy all this stuff, particularly when you cannot afford it,” Cuban said. “The more money you can put in the bank, the better position you’re going to be if something goes wrong.”

Cuban learned the idea of “living like a student” from a book he read when he was just starting out: “Cashing in on the American Dream: How to Retire at 35″ by Paul Terhorst, he told Money in 2017. The book encourages readers to live below their means.

“The whole premise of the book was that if you could save up $1 million and live like a student, you could retire,” Cuban said of the book, which was published in 1988. “But you would have to have the discipline of saving. I believed heavily in that book. It was a big motivator for me.”

Save enough for a year’s expenses, then invest
Before the pandemic, Cuban typically recommended saving enough money to cover six months worth of expenses, he told Men’s Health. But in today’s climate, he recommends saving enough to cover your expenses for a year.

“Once you’re able to save [for] a year of expenses, then you can start investing and putting it into something that can appreciate, like a low cost mutual fund or the Standard and Poor’s Index,” he said. (The S&P 500 index holds 500 of the largest U.S. companies.)

Indeed, experts often recommend the S&P 500 because it provides diversity at a low cost and generally delivers good long-term returns. (Warren Buffett told CNBC in 2017 that buying an S&P 500 low-cost index fund is “the thing that makes the most sense practically all of the time.”)

Learn to negotiate 
People do not realize the power of negotiation, Cuban told Men’s Health. ”[N]egotiate the price down for things that you buy,” Cuban said, (and you can even try negotiating your bills). 

Cuban says using cash can be a powerful negotiation tool: “I tell people all the time, if you’re out — you’re going to take a yoga class and they want to charge you $30, say: ‘Look, I’ve got 20 [dollars].’ You know what, they’re going to take it. Negotiating with cash is a far better way to get a return on your investment,” he told Vanity Fair in 2017.

The self-made billionaire often negotiated when he was young and broke.

“I don’t do that so much now,” Cuban told Men’s Health, as “people see me and the price goes up. But for the longest time, that’s how I survived.”

Buy in bulk
“Take advantage of deals on Amazon and other places where you can buy in bulk,” Cuban told Men’s Health, “because if it’s money you’re going to absolutely spend no matter what, and you can save 20%, 30%, 40%, that’s the best investment you can make.”

And it is easier to be a “smart shopper” than to invest in the stock market, he said.

“It’s really hard to pick the right stock, or the right index fund, or the right mutual fund,” Cuban said. “But if you, over the course of a year, typically spend $2,000 on all the consumables you use in your house, [like] your toothpaste, your toilet paper, shampoo, and you can save 40% on those by buying it [in bulk] and sticking it under your bed if you need to, that’s $800 in savings.”

“Sometimes, the best investment you can make is being a smart shopper,” he told Men’s Health.

https://www.cnbc.com/2020/09/14/mark-cubans-top-financial-advice.html

 It does not matter where you come from, where you live, or how much money you have, one thing that we all have in common is dreams! We all have aspirations and goals for a better tomorrow. The trouble is that there are a lot of hurdles and barriers that stand in the way when it comes to making our dreams a reality.  

Every great dream begins with a dreamer. Always remember, you have within you the strength, the patience, and the passion to reach for the stars to change the world.
Harriet Tubman

World Dream Day has been established for the purpose of encouraging individuals, communities, businesses, schools, and families to take some time to concentrate on their dreams and make an effort to turn them into a reality. You will find a lot of exciting resources and inspirational tools online to empower people to embark on the journey to make their dreams more than just a figment of their imagination. It’s time to go out there and get what we really want in our lives!

Dream Day is a vital day in terms of honoring the role that dreams play in all of our lives. Even more importantly, it is a day whereby we all inspire one and other, helping our loved ones, peers, and even strangers to put a plan in action to make positive changes in their lives and the wider world.  

There are a number of different things that we can all do in order to put the wheels in motion and start achieving our dreams. The first step is finding something you want to believe in and being inspired. You may feel lost at the moment. You may not know what your dreams are. This is okay. Don’t put pressure on yourself. Dreams don’t have to be about glory or fame to be considered significant. It is all about what matters to you. What gives you a sense of purpose? What do you want from your life? You need to look deep inside and figure out what fulfills you. Be honest with yourself. Don’t feel like you need to pick a certain dream for the sake of someone else. This is personal to you. 

One thing that tends to stop most people from achieving their dreams is fear. They are scared of the challenges that lie ahead. They are worried that they will fail on their quest to achieve their goals. It is important to try and adopt a healthy mindset when it comes to embracing the unknown, rather than simply running away from it. 

Once you have decided on your goals and you feel focused, you should pursue your passions actively and take action. Do not allow your visions and dreams to exist passively as mere ideas. You need to concentrate and take action. One step at a time! In order to make big things happen, you do not need to make large decisions. Instead, you can divide this up into smaller goals, which can be just as fulfilling. Also, don’t be disheartened if you lose your way a little bit. The path to success is not always easy. Things may go off track and you may make mistakes along the way. You know what they say; the things worth having in life do not come easy. So, you need to persevere, and if you find yourself struggling, take a deep breath and even have a little break! Don’t be so hard on yourself. 

History of Dream Day
It is time to sit back and relax and enjoy Dream Day!

But do not use it as an excuse to slip back into bed – Dream Day was set up by an instructor at Columbia University in 2012 as a way of helping us all achieve our dreams and to make the world a better place. The creator of the day is Ozioma Egwuonwu; a transformational strategist and educator. It was her aim to create a day that would help to heal and inspire humanity. 

After all, a lot of things in our world have started out as a dream. Think about all of the different inventions that have occurred over the years. They usually start off as a dream. The same goes for all of the different books and songs that have been written over the years. Of course, there are dreams that have had a huge impact around the world in terms of civil rights. Martin Luther King. Jr made one of the most famous speeches of all time, which began with the words “I have a dream.” You can read the speed in full online, and we definitely recommend that you do so. Martin Luther King. Jr dreamed of an end to racism. He worked hard and dedicated his life to making this dream a reality. 

How to celebrate Dream Day
“A dream does not become reality through magic; it takes sweat, determination, and hard work.” – Colin Powell 

You can organise a special dream event, where a gang of you get together and talk about your dreams, or you can stay at home and dream of what you most want from life. We are talking more about ‘achieve my full potential’ and ‘end world hunger’ here, not ‘lose 10lbs’ or ‘get revenge on my boss’!

Come up with an inspiring dream, then work out an action plan to make it happen, and to help everyone else achieve their dreams too. You can brainstorm different ideas and put together an action plan on how you are going to realize your goals. 

As mentioned, you are going to find a lot of exciting and inspirational content on the Internet that can be used to help you achieve your goals and objectives. This includes funding opportunities, downloadable documents, and online seminars. Make the most of these resources to help you achieve your goals. 

We also encourage people to spread the word about Dream Day. It is important to give everyone the gentle nudge that they need to achieve their dreams. There are a lot of people all around the world with so much potential, yet they never realize this because they are scared or they do not believe in themselves. Sometimes all it takes is for one person to believe in them, and this gives them the strength and courage to achieve their goals. Wouldn’t it be great if you were the person to help someone do that? Thanks to the Internet, it is easier than it ever has been to spread the message and share inspirational content with your friends, family members, and followers. 

It is so simple, and there lies its beauty: All you have to do is… dream!

https://www.daysoftheyear.com/days/dream-day/

Tahun 2020 ini tahun yang stress. Antaranya terlibat dalam kemalangan.

Tahun 2020 merupakan tahun 6 untuk penyanyi ini yang mendatangkan hasil rezeki yang begitu baik kepada dirinya.

Money Lessons From Successful Millennials
You may want to take some notes from these guys if you don’t want your money to wave goodbye.

​By: HELLO WRITER
WEDNESDAY, 2 SEPTEMBER 2020

Shout out to all the millennials who are still surviving this tempting, deceiving, unfair, and competitive world!
 
Yeah, you heard us. In the current time we live in, everyone all over the world is striving to become successful and wealthy or at least earn a decent amount of cash for their monthly wages.
 
We all know this for sure that the big dollar sign in our heads never fails to show up every day of our lives. However, when the dollars do appear into our hands, we just tend to follow its lead (you know like shopping and stuff). In no time our money just waves goodbye.

Unlike the limited necessities back in the day, we now have tons of places, products and services to spend our money on and on top of that, most of us today have a stagnant income that doesn’t compensate with the accumulated debts like loans and an overwhelming bunch of other commitments to pay on a long-term basis.
 
So, do you think that we millennials are the worst in managing our finances? Well, no! In fact, this may seem like a rare occasion but there is a group of money-savvy millennials who could give us some pointers about the do's and don'ts of finances. Let’s check them out.

1. Save up your earnings for a future investment.

“Half of the income will be used to start my own F&B business in the future.” - Ahmad Akid

This young man seized an opportunity by making viral quirky videos on TikTok that led him to earn an income of up to RM10,000 per month. As a social media influencer, Ahmad Akid Zulkiflee manages his income accordingly to support his family and makes sure half of his income is saved to open up his dream F&B business in the future.
 
So, if you think you’ve walked down a different path, make the best of it by turning the current source of income into your dream come true.

2. No such thing as fast money.

“There is no magic trick here and there is no such thing as instant success or fast money or big breaks overnight.” - Christy Ng

Ahhhh! We bet some of you ladies are shrieking at those gorgeous shoes!!!
 
Christy Ng had a passion for shoe designing and like many successful entrepreneurs, they all had humble beginnings. She started making shoe designs that are accustomed to each pair of shoes in its own unique style. Now, with the spirit of ‘never giving up’, hard work and dedication over the years, she is able to establish her very own store that is very much on demand.
 
So, lesson learned. There’s no shortcut in making money and becoming a millionaire overnight.

3. Start your financial journey with a journal.

“I wasn’t using the journal to write down what I wanted, I was using the journal process to write down how to get what I want.” - Patrick Grove
 
This is one of the most successful businessmen of our time!
 
Being the chairman and co-founder of at least 5 businesses, Patrick Grove is never more meticulous with his finances. In his journey, he faced many failures but also learned to appreciate each one because it led him closer and closer to getting what he wants.

Patrick believes in writing down his goals in a journal not just about what he wants, but also the steps to take to get it. By having a finance journal, he is able to stay focused and be persistent in his way of investing and profiting money.
 
So, tip number three…start creating your financial entries.

4. Offer people something that is worth big bucks.

“If you want to get to such a big figure, especially if you’re just starting out, you need to have a product or service to go ahead and serve the people.” - Jack Bloomfield
 
Unlike other schoolboys who hangout after school, this guy spends all the time he gets in generating an income. For such a young lad, he seems to know a lot about e-commerce! This ambitious guy believes in a fair deal of give and take. Other than that, we could learn that setting a big figure to achieve is possible.
 
Have you ever wondered what is the best deal you can give people and still make a profit?

5. Money is more valuable when it is shared.

“Money and good donation is something that I do regularly no matter how busy my schedule gets.” - Tanya Mittal
 
OMG, she’s MISS ASIA 2018!
 
Well, here’s something more she does than to just look pretty. She is a SELF-MADE MILLIONAIRE entrepreneur who has set up her Handicraft Business at the age of 19.

Guys, she had zero investment in her business, but she became a millionaire in just 2 years. Isn’t that dope? A valuable act of love that she practices is that money is worth sharing to the less fortunate. At times, we can have soooooo much, loaded with cash and still feel like a total loser. If we want to add more value to our money, SHARE it.

6. Debt is not an option.

“I saved 50% of every pay cheque I received through my various jobs so I could graduate college with a healthy nest egg” - Erin Lowry
 
Erin Lowry is known for her best-selling book Broke Millennial. Financial management has never been more important to her and her family. She says her success is owed in large part to the critical foundation her parents laid for her and how she learned to think about money. Erin Lowry’s parents only paid half of her college tuition fees so she would learn the value of money and how to generate them to pay the remaining fees. Guess what guys, she graduated debt-free.
 
Debt is always crouching at our doors so let us not make it an option unless you know it’s something you can get rid of as soon as possible.
 
7. Expand your network for multiple channels of income.

“Those who insert themselves into as many channels as possible look set to capture the most value.” - Pete Cashmore

This is the CEO and founder of the top blog, Mashable! Having a net worth of $95 million today, at 19, Pete Cashmore was known to be famous for the news and gossip he brought to people about the entertainment world. He found his passion for sharing how web tools and social networks were transforming human interactions and reshaping cultures. Mashable came about and he was recognized as the Young Global Leader by The World Economic Forum.
 
Hey, if you have something worth the money, share it to a bigger audience.

So guys, there are many more aspiring millennials out there who are working towards becoming the best at financial management and here’s an obvious fact…they are just normal people like us who are just trying to make it in life. Let’s get hold of our finances and not let it hold us back. 

https://rojakdaily.com/lifestyle/article/10450/money-lessons-from-successful-millennials

Dalam posting Instagram datoeddyrosyadie, ada satu posting tentang barangan warisan yang Dato Eddy Rosyadie perolehi. Dan ada individu yang dapat merasa energi daripada gambar posting itu. Gambar je kan tapi itulah tentang energi walaupun dalam bentuk gambar. Sama seperti Dato Eddy Rosyadie transfer/ pindahkan energi kepada gambar premis, gambar emas, gambar buku bank dsbnya.

Fenomena yang kena dengan pola potensi tarikh lahir. Fenomena usahawan dan fenomena bisnes yang kena dengan elemen. Juga fenomena orang kenamaan VIP.