ENTREPRENEURS
4 Strategic Business Lessons From Entrepreneurs Who Run Their Business Completely Online
As an entrepreneur, you will have to constantly reframe your understanding of what's happening in the business world and be willing to adapt

Mervik Haums
Entrepreneur and founder Startup Fortune
November 27, 2020 

The ongoing COVID-19 pandemic has already brought enormous change in the way we do business. Millions of people are forced to run their business completely online, working from home. Of course change is inevitable in business, things change in time; but the pandemic made it compulsory to adapt to a new reality, to survive. Even after several months, the future still looks uncertain; the only thing we can be sure of at the moment is, doing business online.

Right now, for any entrepreneur, the main emphasis should be on sharpening the digital business strategies. Here, four entrepreneurs from different countries and different sectors share their experience and a lesson they’ve learned while running their completely online businesses.

Build your business based on what you’re good at, and learn from your experience: Angelo Raguso

Angelo Raguso is an Italian social media strategist, who embraced digital entrepreneurship after having a successful music career for years. “I’ve devoted myself to music for almost ten years. Having the experience of working with major worldwide labels as a DJ, producer, ghost producer and record label manager, helped me learn the importance of social media presence to become successful.”

Today, Raguso is taking care of social media branding for hundreds of businesses and entrepreneurs from around the world. “Your experience and knowledge gives you confidence. I’ve created thousands of marketing and branding campaigns to help people stand out on Instagram, Facebook, Tiktok, etc. You can deliver the results your clients are hoping for only if you know what you are doing and good at it. For me, that’s the most important thing in business.”

Allow yourself to be focused: Truls Aandal, Founder of Your Marketing Partner (YMP)

Managing a business from home can go from great success to total failure in no time. Waking up, and working from the comfort of your bed may seem like a dream. The key to success for myself was to wake up and work where I was most inspired. Whether that be on the porch, in the library, living room or bedroom.

Crafting creative and innovative ideas, and finding ways to put them into reality requires peace of mind and focus. You need to place yourself in an environment that really allows you to focus. My business, founded in 2020 on the train, today serves roughly 450 high-level clients across the world. And we’re just getting started—from the comfort of my home.

Fun fact: My business came to life on the train.

Boost Workplace Satisfaction: Veerakeswaran Ganapathi, Founder and CEO of Aggrandize

Veerakeswaran Ganapathi is a marketing specialist and branding strategist who’s known for his extensive experience in content creation and social media marketing. He founded Aggrandize Digital Solutions in 2016 and quickly positioned the company as a leader in brand marketing, helping clients boost brand recognition and generate more customers by increasing their online visibility and reach.

As the CEO, Ganapathi’s fingerprints are found throughout the company’s operations. He says that while Aggrandize’s success is driven by their high-quality services, the contribution of his team members shouldn’t be understated. After running a successful online business for 4 years, Ganapathi highlights the importance of creating an efficient communication system that enables each member to stay on the same page and make collaboration smooth and easy. Ganapathi also emphasizes the importance of valuing not just your clients, but your team members who work tirelessly behind the scenes. He strives to make Aggrandize the best place to work in, creating a healthy atmosphere that fosters camaraderie, celebrates accomplishments, and reminds everyone to have fun.

Make Sure You Choose a Brandable name and go for the dotcom domain: 
“I learned that branding is one of the most important aspects of your business and has a significant impact on your success. It’s vital to make sure to choose a name that is easy to pronounce and pass the radio-test.”

“You need to check for the name that has the .com domain available for registration before deciding to go with that name because the .com extension is the most popular and known by people. When people hear your company name and want to learn more about it, they will add “.com” to your name thinking it will go to your website. It is important not to delay the purchase of the .com domain because later on, when the company is established, it’s possible someone else might have registered it already and it will be very hard to obtain it.”

As an entrepreneur, you will have to constantly reframe your understanding of what’s happening in the business world and be willing to adapt. That's the only way to move forward, and achieve success.

https://www.entrepreneur.com/article/360502​

Petak tarikh daftar syarikat ada pola 769 kekayaan. Kaedah tarikh lahir ini bukan sekadar tarikh lahir tetapi juga tarikh daftar. 

Pada 18 Jan 2021, secara umumnya tarikh daftar syarikat yang baik ada pola 769 kekayaan dan 20 tahun rezeki (bermula 18 Jan 2021 hingga 18 Jan 2040).

Tarikh lahir pandemik tak dapat dipastikan. Cuma kes pertama pandemik yang berlaku pada 2019 lalu bertarikh 8 tekanan.

Sesi personal consult secara Whatsapp bersama Dato Eddy Rosyadie. Tarikh nikah 5 halangan dan perjalanan tarikh nikah adalah 5 halangan untuk 30 tahun. Walaupun hati isteri dah tawar tetapi suami takkan ceraikan namun suami berada berjauhan bersama isteri kedua. Satu situasi yang rumit untuk teruskan pahit untuk putuskan susah.

Tips: tarikh nikah dan perjalanan tarikh nikah sebaiknya adalah dikirakan dengan tarikh yang baik sebagai ikhtiar perjalanan perkahwinan adalah baik sentiasa.

Petak tarikh lahir ada potensi dunia tekstil dan fabrik termasuk aksesori pakaian dan fesyen. Satu nama yang begitu ikonik dalam bidang fesyen.

Plet kereta 769.

5 tips to kick-start your 2021 financial resolutions
Nurul Khairiah Yusuf -December 26, 2020 7:40 AM

It’s that time of year again. Time to make resolutions for the New Year and decide how you are going to stick to them.

Your finances are no different. Do you want to increase your savings or diversify your investment portfolio? Do you want to be free of student loans or property debt?

Or do you simply want more income streams to build wealth?

To accomplish any (or all) of these, you need to set goals that can help you prioritise the essential and non-essential things in life.

Here are some to consider:

Basic life and money goals
Buy a home
Remodel or repair your house
Paying down debt, such as loans and credit cards
Find a new job
Buy a car for your growing family
Build an emergency fund
Donate some of your fortune to charity
Set a career goal: start a new business, expand a current one

Family-related goals
Getting married
Having children
Saving college fees for children
Leave the workforce (to raise a family, pursue a college education, help elderly parents)
Helping newly graduated children with expenses
Leaving an inheritance for loved ones.
Retirement-related goals

Increase your retirement contribution
Retire from working full-time or retire early
Moving to different place (lower cost of living, closer to family)
Pay your mortgage before you retire
Setting goals is one thing, but transforming those into reality is quite another.

Here are five ways to get started on your 2021 financial resolutions.

1. Join a support group

A support group, or finding your tribe, can be a great way to reach any goal. People can share information on personal finances to strengthen connections and build a community around shared financial goals.

MyPF’s My Personal Finances Facebook group, for example, allows members to share and discuss the latest updates on personal finances and investing.

Members can also ask questions on financial issues and healthy discussion is encouraged among members in a safe environment.

There are other options as well, including podcasts focused on personal finance.

Even if you aren’t having a direct dialogue, listening to experts discuss money can help keep you focused on your finances — and you may learn something along the way.

2. Understand your goals

If you do not understand how your financial goals work, you may not be able to achieve them.

Say you want to pay off your student loans, do you know how your plan will work?

Do you know the benefits of paying off the loan earlier and what to do with the money that is freed up? You could spend more on leisure or increase your retirement savings.

A solid understanding of how your financial strategies work can help in making smarter decisions. Read up on your loan to understand how it works.

3. Note your credit record and score

Review your credit score and check the scores from the Central Credit Reference Information System (CCRIS) report if you want to buy a new car or property.

A stronger score means a better chance your loan will be approved. You may need a credit report when looking for a new job or applying for insurance.

Individuals can request their credit information from the Credit Bureau. In the case of a business entity or deceased individual, the request can be made by the person authorised by the entity (for a business) or by the court (deceased).

The report can be obtained via eCCRIS, an online platform for users to access their CCRIS score or by visiting the CCRIS kiosk at Bank Negara Malaysia offices and the Credit Counselling and Debt Management Agency (AKPK).

Check for any incorrect information that could be a warning someone is misusing your account. Also check your scoring, on-time payment history and the amounts you owe, or your credit utilisation.

Your credit score also looks at how long your line of credit has been open, how much new credit you have been seeking and the different types of credit you use.

To build a good credit score requires discipline, and many have probably been financially affected by the pandemic.

Many would have taken advantage of the loan repayment moratorium and other facilities offered by banking institutions.

4. Keep track of each goal: Priority, needs or wants

Prioritise your financial goals, so you know which to tackle first. Divide them into critical, need or want.

A short-term goal to build up your emergency fund would fall under the critical category.

Allocate your income and manage your cash flow to ensure you have enough for other priorities after saving for the emergency fund. Replacing a car that is still running well is a want, and can wait.

5. Engage with a licensed financial planner

So, you have goals in mind but don’t know how to get started. Other than reading about personal finance tips on the internet, which may be inaccurate or really bad advice, consider consulting an expert.

A licensed financial planner can take a look at your current financial situation and devise better strategies to eliminate financial risk and build your wealth in the long run.

https://www.freemalaysiatoday.com/category/leisure/money/2020/12/26/5-tips-to-kick-start-your-2021-financial-resolutions/

Banyak angka 4 dalam petak tarikh daftar syarikat. Dalam kaedah pernomboran, angka 4 adalah ilmu .

Tahun 2021 tentunya akan membuka lebaran dan halaman baru tetapi masih lagi berkisar perihal pandemik Covid 19. Di akhir Disember 2020 ini berlaku mutasi2, kes pandemik makin naik seluruh dunia dsbnya. Tahun 2021=5 halangan akan membawa kita banyak cabaran yang menguji/ mengajar kita tentang erti MENGHARAP. Antara perkara negatif tentang 5 halangan adalah PUTUS HARAP/ ASA. Semoga kita kuat lagi semangat dalam mengharap perkara2 yang baik dan positif. Juga menjana energi positif yang berterusan di kala banyak cabaran dan halangan ini.

Dalam Dekad 2019-2028 fasa 5 halangan. Bagaimana sesuatu perniagaan membuat perubahan/ transformasi kepada kebaikan/ keuntungan?

SELAMAT TAHUN BARU 2021. Pakej Pakej 1 Bulan Januari 2021 telah dibuka untuk pendaftaran. Boleh daftar dahulu sebelum 3 Jan 2021 untuk program 7X bermula. Seperti biasa ada tarikh2 energi berpola 769 kekayaan dan juga TMA (tengah mata angin) 6 rezeki masuk. Untuk menjana energi di permulaan tahun supaya 12 bulan seterusnya  sebagai bekalan dalam energi yang baik2. Tahun 2021 dijangka lebih mencabar jiwa dan tenaga jadi kita ikhtiarkan penjanaan/ pemulihan energi diri bagi bulan Januari 2021.

December 22, 2020 Astrology calendar
Moon (Aries) Trine Venus (Sagittarius):
In terms of love and marriage, that's a unique aspect. Our feeling of love is reliable; we are adaptable and courteous. We are feeling in cheerful mood, we care for the family, and avoid arguments and conflicts.

​https://www.astrosofa.com/horoscope/aspects/2020/12/22

Tarikh daftar syarikat ada pola 769 kekayaan; tiada had kekayaan bergantung kepada kaedah untuk mencapainya.

Dalam petak tarikh lahir ada potensi dunia makanan. Tak semestinya kena masak. Siapa sangka bekas Menteri yang muda ini terlibat dalam dunia makanan pula. Memang itu potensi tarikh lahir.

Tarikh pernikahan yang ada potensi konflik.

5 money myths that could cost you
Anna V Haotanto -December 13, 2020 7:40 AM

Conscious and unconscious beliefs about money can and do affect your financial status. The very things that you have been taught about money as you grew up may be the ones keeping you broke.

That is why it is important to stop for a moment and take a look back. Remember, getting rich is not just about what you do; your state of mind also matters.

Here are the five beliefs about money that can cost you. If one of these rings a bell, it’s time for a change.

1. Money is there to be spent

The media, corporations and businesses implicitly teach us this in order to sell more products. In other words, they capitalise on views like this. And they get rich while you lose and lose more.

No matter how good it makes you feel, do not be fooled into spending your earnings on unnecessary and expensive things.

Believing that money is there to be spent makes you more prone to give in to temptation, and save less money.

Instead of thinking that money should be spent, why not think that every ringgit you do not spend is a step to getting rich?

2. I’m just not that good with money

Believing you are not good with money is not only demotivating, but it also implies that you are giving up even before you have tried. Financial skills are not innate, they are taught and, therefore, can be learnt.

Put time into researching and reading about proper budgeting, saving and managing money in general and apply what you learn.

You can start small if you find it too difficult. Start a routine and stick to it without any excuses. Instead of giving in to temptation, think of the bigger picture and your bigger goal.

Buying that bag you saw in the mall would make you happy for a day, but saving and investing will make you happier for a much longer time in the future.

3. Money is not all there is to life

While money is not all that there is in life, it is a necessity we should be concerned about. It might not be money that gives that sense of fulfillment, but you need money to provide for yourself and your family.

You need to make money a goal and you need to work towards it, because it won’t just come knocking on your door.

4. Rich people are dishonest and greedy

The belief that rich people are dishonest and greedy may have started with someone who wanted to discourage others from being rich, or from people who were trying to make themselves feel better for not having money.

However, not everything that makes you feel good is right and helpful in the end. Being good does not have anything to do with being rich, and vice versa. And if you do make it big eventually, it is entirely up to you which kind of rich person you will be.

5. Money is the root of all evil

Money doesn’t make you evil; what you do makes you evil. (Freedom Sprout pic)
That money is the root of all evil is one of the most common beliefs, especially if you come from a religious family or a family used to scarcity. People tend to equate being poor with goodness and being rich with evil.

But it is the excessive love for money that is the root of evil. It is people who make use of money in the wrong way that is evil, not money itself.

Money is incapable of having some sort of morality, so it can neither be good nor evil. It can be a tool or a weapon, but it does not have the ability to choose which it will be.

What is wrong is wanting more and more money even if it means stepping on the rights of others. No, money is not the root of all evil. Greed is.

https://www.freemalaysiatoday.com/category/leisure/money/2020/12/13/5-money-myths-that-could-cost-you/

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/

Petak tarikh daftar syarikat ada pola 769 kekayaan dan kesultanan pola 38. Lagipun 20 tahun pola 769 kekayaan. Setakat ini IPO terbesar di dunia dengan RM12 TRILLION! 

Petak tarikh lahir bukan sahaja ada pola kekayaan 769 tetapi juga 38. Sama ada beliau keturunan kesultanan atau tidak itu tidak menjadi penting apabila berada di tahap kekayaan, pemimpin, pengaruh, networking. Punyai pola potensi yang betul  untuk bisnes / kerjaya.

Petak tarikh lahir ada potensi bidang pengangkutan. Namun tahun 2020 adalah kitaran tahun halangan.

Tarikh ziarah Sultan Agung Mataram ke makam Sunan Bayat di Klaten ada pola 38.

Antara individu yang melalui kitaran tahun 7 pada tahun 2020 kitaran ujian, kehilangan dan kerugian.

Sejak pandemik berlaku dan menimbulkan tekanan, masyarkat dunia mula mencari kembali aktiviti2  ketenangan jiwa dan kesihatan emosi. Apapun nama aktiviti2 itu nombor 2 yang penting adalah mendapatkan ketenangan jiwa dan kesihatan emosi. Pinterest punyai 400 juta pengikutnya dan mereka dapati satu trend/ pattern masa kini tahun 2020 masyarakat mencari2 aktiviti2 sedemikian. Apapun kita sebenarnya juga mencari2 aktiviti2 ketenangan jiwa dan kesihatan emosi. Berterusanlah berjuang bina energi diri.

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.

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/