Petak tarikh lahir ada pola 769 kekayaan walaupun milik kerajaan tetapi individu pola 769 ada perihal2 yang membawa kepada kekayaan yang luar biasa.

Tips: untuk syarikat anda, lantik seorang Board of Directors atau Business Development Manager yang punyai pola 769 kekayaan yang boleh membawa kekayaan kepada syarikat.

Anak Dato Eddy Rosyadie sebagai  salah seorang panelist untuk satu program  kepimpinan untuk belia.

On December 14-15, we have a Total New Moon Solar Eclipse in the sign of Sagittarius. Solar Eclipses are like potent New Moons and unlock a door to a new portal of energy.

There is so much fresh energy on offer for us under this Eclipse. It brings the promise of brand new beginnings, fresh starts, and the opportunity to set wheels into motion.

The strong, abundant energy flowing around this Eclipse may also bring some gifts and rewards our way. This will be extra amplified by Saturn, who a few days later on December 17, will leave Capricorn where it has been for the last 2.5 years, for the sign of Aquarius. It is said that whenever Saturn leaves one zodiac sign for another, we are gifted and rewarded for all of the hard work we have achieved.

The energy of the Solar Eclipse has the power to amplify these gifts and rewards, so think about where you have felt most challenged and where you have done the most growth, and then stay open to any gifts and rewards that may be illuminated for you under this energy.

https://foreverconscious.com/intuitive-astrology-sagittarius-new-moon-solar-eclipse-december-2020

Tarikh lahir ada pola potensi makanan. Akhirnya terjebak dalam dunia makanan begitulah potensi pola tarikh lahir kita. Potensi makanan tidak semestinya kena memasak.

Pay Yourself First to Pay it Forward
Have you ever heard the saying, “the rich get richer?”

Well it’s true. Anyone can be wealthy with discipline and patience. By paying yourself first you can compound your savings and see compounding returns at work for you faster then someone saving less income. Some people save nothing and that is the worst bad habit of all. You’ve probably heard the saying, “It’s not what you make, it’s what you spend or keep.” Also true, once you hit a certain amount of investments, compound interest or compounding investment returns takeover and begin to snowball. You would be surprised how many fortunes were built on saving a lot of a little income.

“Can anybody remember when the times were not hard and money not scarce.”
- Ralph Waldo Emerson.

No matter what, always pay yourself a portion of what you make in both good times and bad. John Templeton use to save 50% of his income so he would always be able to take advantage of buying opportunities. That is an extreme number, but achievable with the right mind set. 20% is considered a great number but the main thing is to start with something, (ie.5%). If your employer matches a percentage of your income take full advantage of the matching amount. Whatever your amount is that you decide to put away, you must stick to it in both good times and bad. The laws of compounding can punish even one missed contribution and you need to keep them going. Don’t think of it as what you can afford to put away, think of it as paying your favorite bill, your freedom bill. After all, once you have reached a point with your investments you will have freedom.

There are people who make high incomes and still become broke because they do not pay themselves first and simply spend. That’s why there are many examples of celebrities and professional athletes broke. Many people depend on their job as their primary income. Warren Buffet say’s you should never depend on a single income and you should diversify your savings into investments to create additional income.

Even if you are a low-income earner, you can still get ahead with the power of compound savings and interest/investment returns. Why do you think people who inherit businesses and assets keep getting richer? It’s the power of compounding return’s — and the fact they got a head start. They inherited an asset or business from someone who new the benefit of just getting started and the power of compounding. If you have nothing and don’t expect to inherit anything, you can still get started and build a legacy for yourself and the next generation.

An example I heard recently was about Theodore Johnson. His first job was for a new company called United Parcel Service in 1924 at the time. He never made more than $14,000 per year in the company and worked there his whole career. He saved 20% of every pay check and Christmas bonus and put it into the company stock. Over time and with good old-fashioned patience, Theodore Johnson saw the value of his UPS stock soar to over $70 million by the time he was 90 years old. The key to success like Theodore Johnson is to make your savings automatic.

Now understand a scenario of two twin brothers:
William and James with investment strategies completely different. Both twins have just turned 65. William got a jump start on his brother, investing $4000 per year at the age of 20 for 20 years. At 40 he stopped funding the account but left the money to grow in a tax-sheltered environment at the rate of 10% per year. James on the other hand didn’t start saving for retirement until the age of 40. Like his brother James invested $4000 annually with a 10% return, but kept at it until age 65, or 25 years in total.

William the early starter, invested a total of $80,000 ($4000 per year x 20 years), while James the late bloomer, invested $100,000 ($4000 per year x 25 years). The power of time and compounding is shown with this example and William, the brother who started early and stopped saving before his brother even started ends up with almost $2.5 million. James who saved all the way to 65 but started later has less than $400,000. That’s a difference of more than $2 million! The lesson… just like the best time to plant a tree was 30 years ago, or longer, the second-best time is today!

Often a good way to save is when you don’t see the money in the first place. i.e. Directly off your cheque or debited out of your account on each payday. Once you don’t even see that money coming in, you’ll be surprised how you will adjust your spending. Pay yourself first and set it up today. Most people associate savings with, “losing something.” (i.e. your money). However, it is a deposit on your future and you will need to change that association to something that makes you happy to save and invest. Or you will avoid it and miss out on the power of compounding savings and returns. Compound Interest is such a powerful tool that Albert Einstein once called it “The most important invention in all of human history.”

“The core concept of successful investing is simple: Grow your savings to a point at which the interest from your investments will generate enough income to support your lifestyle with out having to work.” -Tony Robbins.

“To have conventional success, you can’t be guided by conventional wisdom” – David Swenson.

“You have to make the shift from being a consumer in the economy to becoming an owner-and you do it by becoming an investor.”

“It is not realistic to finance a 30-year retirement with 30 years of work. You can’t expect to put 10% of your income aside and then finance a retirement that’s just as long.”

"Once you have built up your investments to a critical mass where you have enough to be financially free, you will need to turn your nest egg into an income stream."

https://www.deedsgroup.com/post/pay-yourself-first-to-pay-it-forward

Kiraan tarikh nikah yang baik namun apabila digabung dengan tarikh lahir ada potensi tekanan. Sesuatu tarikh itu adalah untuk SEMUA ORANG. Jadi tarikh nikah yang selama ini orang tua2 dulu kira adalah tidak tepat kerana ianya adalah tarikh umum. Kita kena ambilkira apakah kesan sesuatu tarikh itu kepada diri kita (tarikh lahir kita).

Tarikh lahir berpola 38 Kesultanan. Juga potensi sebagai tentera ada dalam petak tarikh lahir tersebut.

Petak tarikh lahir ada pola 769 kekayaan.

Tahun 2020 adalah kitaran 7 tahun kehilangan sepertimana Malaysia 31+8+2020=7. Juga ada potensi halangan menyebabkan kehamilan tidak menjadi pada tahun 2020 ini.

Petak tarikh lahir ada potensi "berselingkuh" (curang). Adakah anda ada pattern (pola) sebegini dan bagaimana untuk mengatasinya? Bagaimana pula anda seorang wanita yang mahu memilih pasangan yang ada pola sebegini nak teruskan ke? Bagaimana cara untuk atasinya?

Maklumbalas peserta ikhtiar energi. Apabila diperiksa daripada tarikh lahir dan waktu lahir didapati tahap energi diri yang sangat rendah. Jadi, pelbagai dugaan dihadapinya. Kita ikhtiarkan tingkatkan energi diri dengan ikhtiar jana energi positif melalui kaedah ikhtiar energi.

Posting slide ini telah dibuat pada Oktober 2020 lalu yang mana Dato Eddy Rosyadie menjangkakan berlaku kesulitan di Malaysia pada November 2020 kerana Graf Prestasi Bulanan Malaysia November 2020 adalah pada point 5 (halangan) dan energi hayat untuk negara Malaysia pada November 2020 adalah Vacuum + Terminating + Blocking. Jangkaan itu betul dengan peningkatan kes pandemik 4 angka, perlaksanaan PKPD hampir 2/3 Malaysia, PKPB di banyak tempat, perniagaan terjejas, pemandu2 bas sekolah dan ekspress serta industri pelancongan terjejas teruk dsbnya.

Graf2 ini bukan baru dibuat tapi telah tersedia ada kiraannya sejak dulu lagi. Berbeza dengan graf2 statistik ekonomi dsbnya yang mengambil data2 dan membuat analisa setelah ianya berlaku, graf2 sebegini boleh menjangkakan kesulitan dsbnya lebih awal. Maka kita gunakanlah kaedah graf pernomboran dan graf hayat sebagai panduan kita untuk membuat persiapan awal.

Petak tarikh lahir ada potensi kemurungan. Tidak mengira profesion atau kemasyhuran apatah lagi yang tak popular sekalipun potensi itu boleh berlaku. Jadi, secara logiknya, kita perlu sentiasa berada dalam situasi dan energi yang positif, terutama bagi yang ada pola (pattern) sebegini.

Tarikh daftar syarikat berpotensi tekanan (8) dan pada tahun 2020 ini adalah 5 halangan pula. 

Petak tarikh lahir dah betul bisnes plumbing tetapi ada potensi masalah kewangan menyebabkan berhutang. Tahun 2015 dapat funder kerana tahun 6 rezeki tapi tahun 2016 pula kerugian kerana berada dalam tahun 7 tahun kerugian.

7 ways to improve your cash flow
Helwa Sofni Md Isa -October 11, 2020

Personal cash flow is one way to measure financial health. It is the most important element in wealth management.

Cash flow consists of income and expenses. It is about how much inflow is generated (income) and how much outflow (expenses) takes place. It is usually measured on a monthly or yearly basis.

Surplus or positive cash flow is when income is more than expenses: The surplus can be saved for an emergency fund or to invest.
​
Deficit or negative cash flow is when expenses are more than income: This means the individual is likely to fall into debt.

The 2019 Malaysian Financial Literacy Survey by financial comparison portal, RinggitPlus, showed that 43% of Malaysians spend more than or exactly what they earn.

Some 53% of the 8,000 surveyed did not have enough savings to support themselves for more than three months.

Here are some tips to improve cash flow and create a surplus.

1. Understand your current income streams

For those who are employed and receiving a fixed wage every month, it is easy to work out.

Keep track of payday and pay off all financial commitments immediately. Keep track of the mandatory deductions such as Employees Provident Fund, Socso and income tax.

For those who are self-employed, your income is likely to vary each month. It is important to understand the inflow pattern to meet financial commitments on time.

In addition, business owners must not mix business income with personal income. They should pay themselves a monthly wage and work out how much to pay out in yearly dividends without disrupting the business cycle.

Whether employed or self-employed, investors could also enjoy passive income from their investments.

2. Keep track of expenses

People need to understand how much they spend on frequent and less frequent expenses.

Frequent expenses would be groceries, fuel, loan repayments and car servicing. Less frequent expenses include annual quit rent on a property, renewal of road tax and insurance premium payments.

Having an emergency fund is important for unexpected expenses such as medical bills.

Expenses can be tracked with paper and pen, on a computer with a spreadsheet or with one of many expense trackers available as mobile phone apps.

Make sure the tracking tallies with the bank account to have a reliable record.

3. Identify the types of outflow

Once the expenses have been tracked, categorise the outflow. For example:

Savings outflow: This includes mandatory or voluntary savings and premiums for insurance or takaful plans.
Financial commitment outflow: Payment of loans or commitments to financial institutions.
Expenses outflow: Home and living expenses, transport, education, entertainment, subscriptions and so on.
This helps in visualising where the money is going and with setting priorities. If the entire outflow is on items deemed necessary and it is higher than the inflow, a debt management review is advisable.

Re-evaluate the true needs – do you really need that expensive cup of premium coffee or would a cup made at home do instead?

4. Eliminate unimportant expenses

After tracking expenses and categorising outflow, a pattern should emerge. Use these data points to reflect on spending choices.

Re-evaluate the true needs and wants by asking these questions:

Is it really necessary to spend on these items? What is the return on investment?
Are there suitable, cheaper alternatives?
Can one afford to continue with this spending pattern? Would it be better to use the money for savings and investments?
This is easier said than done. Everyone wants a nice lifestyle and for some shopping is a hobby. People must take charge of their lives and their spending choices.

5. Increase the income

If the cash flow is in deficit, in addition to trimming outflow, increasing the income, either passively or actively, is an option.

Passive income would be dividends received from investments or rental income. This method is more suitable for the long term, a retirement fund, for example. Learn about investment options that match one’s risk profile.

A salary is an example of active income. Consider asking for a raise or take on side gigs to generate active income.

Perhaps an additional certification or licence might bring in more money. But always remember to track the side income.

6. Sit down and plan expected cash flow

Having a plan helps in making better and faster decisions. Here are some tips to make a good one:

Set a budget: This will keep spending on track, but be realistic.
Plan meals: Planning meals in advance means one knows what can be bought in bulk (money savings) and which to buy less of (less wastage). An additional benefit is that the quality of the food intake is generally better.
Sign up for loyalty programmes: Take advantage of the discounts and special offers on groceries, household supplies or even petrol.
Plan shopping trips: Apart from saving time, it can reduce travel expenses.
Plan payments for loans statutory obligations: This helps in setting aside the required sum. Timely payments avoid additional interest or penalties as well.
Continue tracking expenses and review the numbers regularly. How does the plan match up with actual spending? What needs to change?

A financial planner can help keep one on track and motivated. 

7. Working with an expert

Everyone has financial goals – to be debt-free, have a comfortable retirement or to provide a good life for the family.

A licensed financial planner can give a better understanding of how to reach these goals, which financial decisions to prioritise and how far away the goal is.

They can also guide and motivate one. Even if one takes a wrong turn, they will be there to show the way back.

Conclusion

The key to financial freedom starts with a healthy cash flow. Managing the cash flow well will put that hard-earned cash to work for a better future.

https://www.freemalaysiatoday.com/category/leisure/money/2020/10/11/7-ways-to-improve-your-cash-flow/