Cikgu, tq ye. Alhamdulillah, doa da makbul... Jd ketua jabatan. Keja sy mmg dikelilingi oleh VIP2 & org2 yg berprofil tinggi.
Salam…akak wt wk2 brdoa kekayaan swk2 akak sbok msk utk ctrin…syukur Alhamdulillah… bz siang malam…dn tnghari smlm GM klang 2 pnggl akak msuk office… offer kantin kt akak…subhanallah…bsrnya keagugnganMU yaAllah
Salam…akak wt wk2 brdoa kekayaan swk2 akak sbok msk utk ctrin…syukur Alhamdulillah… bz siang malam…dn tnghari smlm GM klang 2 pnggl akak msuk office… offer kantin kt akak…subhanallah…bsrnya keagugnganMU yaAllah
Bacaan inspirasi dan motivasi - dapatkan hari ini!
KEAJAIBAN REZEKI KEAJAIBAN OTAK KANAN
HARGA RM40 senaskah
Percuma 1 keluaran MAJALAH POTENSI
Penghantaran Percuma.
MENGAPA ANDA MESTI MEMILIKI "Masterpiece" Ini:
Mempercepatkan Rezeki Dalamasa 40 hari
Dibahas secara islami, buku ini menunjukkan percepatan-percepatan rezeki...
Menguasai wang, dan kesihatan dalam hitungan minit
Meningkatkan motivasi dan produktiviti sehingga 3x ganda
Menjadikan kerja dan usaha sebagai satu ibadah tertinggi
Membongkar warisan Nabi & keuntungan
Membongkar Fakta tersembunyi tentang SEDEKAH
ISI KANDUNGAN TAJUK UTAMA
1. MEMBONGKAR WARISAN NABI - DUA ORANG KAYA
2. PELABURAN AJAIB & 8 FAEDAH
3. SYILING KEUNTUNGAN & KOMODITI TERMAHAL
**3 AMALAN - RAHSIA KEKAYAAN NABI DAN SAHABAT.
Untuk Tempahan/ belian:
1. Bank in ke akaun RQ BEST EVOS - CIMB 0109-0000086-105
2. SMS taip kod berikut: BUKU AD<>nama anda<>alamat anda - hantar ke 012 769 3807
juga SMS maklumat bank in untuk pengesahan.
KEAJAIBAN REZEKI KEAJAIBAN OTAK KANAN
HARGA RM40 senaskah
Percuma 1 keluaran MAJALAH POTENSI
Penghantaran Percuma.
MENGAPA ANDA MESTI MEMILIKI "Masterpiece" Ini:
Mempercepatkan Rezeki Dalamasa 40 hari
Dibahas secara islami, buku ini menunjukkan percepatan-percepatan rezeki...
Menguasai wang, dan kesihatan dalam hitungan minit
Meningkatkan motivasi dan produktiviti sehingga 3x ganda
Menjadikan kerja dan usaha sebagai satu ibadah tertinggi
Membongkar warisan Nabi & keuntungan
Membongkar Fakta tersembunyi tentang SEDEKAH
ISI KANDUNGAN TAJUK UTAMA
1. MEMBONGKAR WARISAN NABI - DUA ORANG KAYA
2. PELABURAN AJAIB & 8 FAEDAH
3. SYILING KEUNTUNGAN & KOMODITI TERMAHAL
**3 AMALAN - RAHSIA KEKAYAAN NABI DAN SAHABAT.
Untuk Tempahan/ belian:
1. Bank in ke akaun RQ BEST EVOS - CIMB 0109-0000086-105
2. SMS taip kod berikut: BUKU AD<>nama anda<>alamat anda - hantar ke 012 769 3807
juga SMS maklumat bank in untuk pengesahan.
PESERTA DOA KEKAYAAN DI MUAR 11 MAC 2012...
.... Saya mmg dapati byk perubahan dlm karier saya selepas sesi berdoa tu... Alhamdulillah…Sekarang saya telah menjadi branch manager di sebuah syarikat baru. Jadi saya perlukan nasihat2 dr cikgu utk terus melakar kejayaan...Lagipun saya masih lagi berada dlm vacuum star ..
Ulasan: Inilah dinamakan ikhtiar, satu caranya ialah berdoa kekayaan. Walaupun sepatutnya dalam Vacuum Star hidup kena susah tetapi boleh pula meningkat berjaya.. kita berikhtiar sebab Yang Maha Kuasa dah beri kita peluang dan pilihan untuk buat perubahan.. teruskan ikhtiar dengan tambah ilmu, usaha, tawakal dan berdoa berterusan.
Pengajian:
- Teknik Tenaga Diri Al-Fatihah 7.
- Teknik Pola 38 - Tahap 1, 2 & 3.
- Majlis Berdoa Kekayaan.
.... Saya mmg dapati byk perubahan dlm karier saya selepas sesi berdoa tu... Alhamdulillah…Sekarang saya telah menjadi branch manager di sebuah syarikat baru. Jadi saya perlukan nasihat2 dr cikgu utk terus melakar kejayaan...Lagipun saya masih lagi berada dlm vacuum star ..
Ulasan: Inilah dinamakan ikhtiar, satu caranya ialah berdoa kekayaan. Walaupun sepatutnya dalam Vacuum Star hidup kena susah tetapi boleh pula meningkat berjaya.. kita berikhtiar sebab Yang Maha Kuasa dah beri kita peluang dan pilihan untuk buat perubahan.. teruskan ikhtiar dengan tambah ilmu, usaha, tawakal dan berdoa berterusan.
Pengajian:
- Teknik Tenaga Diri Al-Fatihah 7.
- Teknik Pola 38 - Tahap 1, 2 & 3.
- Majlis Berdoa Kekayaan.
Salm... slps sy sertai prgrm pada 1st raya, tngan sy 2hari kebas2, menyucuk2, pjam ja mata nampk jlur ems... dn hpne msh alirkn elektrik smasa pegang hdphne w.pun dah cabut dari charger... apa y t'lnts d hati akn wujud...
Ulasan: Apabila tenaga gelombang jalur emas "dimasukkan" kepada seseorang ditambah dengan doa kekayaan, ada individu yang menerima tenaga tersebut dalam bentuk yang fizikal seperti aliran elektrik dalam badan, juga bertambah keupayaan deria yang lain termasuk deria keenam (sixth sense) - seumpama Transformers Optimus Prime mendapat kuasa dari the Matrix. Ini adalah satu kelebihan yang Tuhan berikan maka gunakan ia secara positif. Hubungi Master Kasyfullah (017 5049786) atau Cikgu A-D untuk pelajari bagaimana untuk menggunakan energi tersebut dengan berkesan.
Pengajian:
- Teknik Tenaga Diri Al-Fatihah 7.
- Teknik Pola 38 - Tahap 1, 2 & 3.
- Majlis Berdoa Kekayaan.
Ulasan: Apabila tenaga gelombang jalur emas "dimasukkan" kepada seseorang ditambah dengan doa kekayaan, ada individu yang menerima tenaga tersebut dalam bentuk yang fizikal seperti aliran elektrik dalam badan, juga bertambah keupayaan deria yang lain termasuk deria keenam (sixth sense) - seumpama Transformers Optimus Prime mendapat kuasa dari the Matrix. Ini adalah satu kelebihan yang Tuhan berikan maka gunakan ia secara positif. Hubungi Master Kasyfullah (017 5049786) atau Cikgu A-D untuk pelajari bagaimana untuk menggunakan energi tersebut dengan berkesan.
Pengajian:
- Teknik Tenaga Diri Al-Fatihah 7.
- Teknik Pola 38 - Tahap 1, 2 & 3.
- Majlis Berdoa Kekayaan.
Akhbar menyatakan saham syarikat tersebut jatuh dua hari berturut-turut. Menggunakan kaedah Graf Prestasi Harian (ciptaan cikgu A-D) mendapati memang prestasi syarikat adalah rendah dan menurun pada kedua-dua hari tersebut.
Pengajian:
- Kaedah Graf Prestasi Bulanan, Harian & Jam.
- Software MS Excel (pengiraan otomatik) Graf Prestasi Bulanan atau Harian atau Jam - setiap satu dijual RM150 seunit (diskaun dalam seminar RM100 sahaja). Email ke [email protected] untuk pertanyaan/ tempahan.
Pengajian:
- Kaedah Graf Prestasi Bulanan, Harian & Jam.
- Software MS Excel (pengiraan otomatik) Graf Prestasi Bulanan atau Harian atau Jam - setiap satu dijual RM150 seunit (diskaun dalam seminar RM100 sahaja). Email ke [email protected] untuk pertanyaan/ tempahan.
Cikgu A-D mencipta kaedah Petak Motif Hayat pada tahun 2010 yang lalu dan kali pertama semenjak itu cikgu A-D bertemu dengan seseorang yang melalui kitaran tahun dekad angka 8 untuk 2 petak bersambung iaitu dengan kata lain beliau ini terpaksa melalui 20 tahun hidup yang tertekan!
Apabila beliau dalam keadaan tertekan dan pada masa yang sama tidak mengetahui apa yang dilakukan selama ini betul atau tidak, maka beliau jadi tidak tenang dan panik. Setelah mengikuti kelas dan sesi konsultansi barulah beliau mengerti bahawa tekanan beliau itu sekadar tekanan biasa bukannya tekanan serius dan banyak strategi dapat dipelajari dan akan diamalkan supaya hidup lebih tenang dan berkesan.
Pengajian:
- Petak Motif Hayat: Strategi Perjalanan Hidup Yang Berkesan.
Apabila beliau dalam keadaan tertekan dan pada masa yang sama tidak mengetahui apa yang dilakukan selama ini betul atau tidak, maka beliau jadi tidak tenang dan panik. Setelah mengikuti kelas dan sesi konsultansi barulah beliau mengerti bahawa tekanan beliau itu sekadar tekanan biasa bukannya tekanan serius dan banyak strategi dapat dipelajari dan akan diamalkan supaya hidup lebih tenang dan berkesan.
Pengajian:
- Petak Motif Hayat: Strategi Perjalanan Hidup Yang Berkesan.
Seperti yang cikgu A-D pesan sebelum ini kan... tahun 2013 tahun pendidikan...
Bajet 2013: Guru menganggur dapat perhatian
Nilai: Nasib 10,200 graduan Ijazah Sarjana Muda Pendidikan yang sehingga kini masih belum ditawarkan pekerjaan sebagai guru akan diketahui pada pembentangan Bajet 2013, 28 September ini. Menteri Pengajian Tinggi, Datuk Seri Mohamed Khaled Nordin, berkata Perdana Menteri, Datuk Seri Najib Razak dijangka mengumumkan sesuatu yang akan mengubah nasib mereka.
Bajet 2013: Guru menganggur dapat perhatian
Nilai: Nasib 10,200 graduan Ijazah Sarjana Muda Pendidikan yang sehingga kini masih belum ditawarkan pekerjaan sebagai guru akan diketahui pada pembentangan Bajet 2013, 28 September ini. Menteri Pengajian Tinggi, Datuk Seri Mohamed Khaled Nordin, berkata Perdana Menteri, Datuk Seri Najib Razak dijangka mengumumkan sesuatu yang akan mengubah nasib mereka.
Khamis malam Jumaat, satu malam yang indah waktu untuk beribadat... juga malam indah untuk suami isteri "beribadat" :) .... tapi yang belum ada ikatan sah tu jangan le "berlipat" di bawah pokok pisang di tasik shah alam nanti datang pencegah maksiat! Jom, kita bersama berdoa untuk ikhtiar mewujudkan hubungan yang sejuk mendamaikan. Lakukan sendiri atau boleh berdoa bersama pasangan (lagi best)- waktu diberikan percuma di sini. Tentunya untuk individu yang berkahwin tetapi boleh juga untuk individu yang sedang mahu bercinta - yang penting doakan hubungan adalah harmoni, mudah-mudahan.
Pada hari dan waktu tersebut eloklah berdoa - dilarang untuk gunakan sebagai waktu nikah seumpamanya - hanya untuk berdoa untuk keharmonian sahaja. Gunakanlah doa-doa yang berkaitan kasih sayang seperti Surah Ali -Imran ayat 103 dsbnya. Manakala kepada non-muslim gunakan doa cara anda.
Juga, boleh juga untuk berdoa dalam kes-kes bermasalah seperti berikut;
- seorang lelaki/ wanita nak mengurat pasangan... jangan mengurat suami/ isteri orang dahlah!
- kekasih lama tak berjumpa/ terputus hubungan sebelum ini kerana perselisihan faham... jadi sebelum nak mula contact "rujuk" semula.
- suami atau isteri / kekasih merajuk nak dipujuk / rujuk.
- suami isteri dalam proses mahkamah supaya masing-masing boleh selesai dengan baik dan lancar.
- suami mengharmonikan madu-madunya? Cubalah... :)
Jika anda memerlukan pihak kami untuk membantu mendoakan dan/atau memasukkan energi gelombang asmara secara jarak jauh kepada anda dan pasangan, sila gunakan langkah-langkah bank in dan SMS seperti dibawah ini - pakej A (kod KA) atau pakej B (kod KB).
Pada hari dan waktu tersebut eloklah berdoa - dilarang untuk gunakan sebagai waktu nikah seumpamanya - hanya untuk berdoa untuk keharmonian sahaja. Gunakanlah doa-doa yang berkaitan kasih sayang seperti Surah Ali -Imran ayat 103 dsbnya. Manakala kepada non-muslim gunakan doa cara anda.
Juga, boleh juga untuk berdoa dalam kes-kes bermasalah seperti berikut;
- seorang lelaki/ wanita nak mengurat pasangan... jangan mengurat suami/ isteri orang dahlah!
- kekasih lama tak berjumpa/ terputus hubungan sebelum ini kerana perselisihan faham... jadi sebelum nak mula contact "rujuk" semula.
- suami atau isteri / kekasih merajuk nak dipujuk / rujuk.
- suami isteri dalam proses mahkamah supaya masing-masing boleh selesai dengan baik dan lancar.
- suami mengharmonikan madu-madunya? Cubalah... :)
Jika anda memerlukan pihak kami untuk membantu mendoakan dan/atau memasukkan energi gelombang asmara secara jarak jauh kepada anda dan pasangan, sila gunakan langkah-langkah bank in dan SMS seperti dibawah ini - pakej A (kod KA) atau pakej B (kod KB).
Why are you still single?
By Camille Perkins, The Women's Insider
Ladies, have you been wondering why your friends have an easy time dating and maintaining their relationships but somehow you have difficulty maintaining your romances? Have you been noticing a trend in the way that your relationships end? If you answered yes, it may be time to consider that the problem may be YOU. Admitting that we may be the problem is never easy, but if you're doing the same things and reaping the same results, it's time for some self-reflection.
As a Love Coach, I've coached many single women on forming and maintaining healthy, successful relationships. Over time I've noticed several recurring themes that prevent women from doing just that. I'm going to share these behaviors with you.
1. HAVING SEX TOO SOON: Many women feel pressure to have sex with a man because they feel that this will keep the man's attention. Having sex with a man who is not emotionally connected with you will keep his attention-but only for the short run.
Solution: Resist the urge to sleep with a man before you're ready. Also, do not have sex with a man before there is a mutual emotional connection. Think: If you had sex with the guy you're seeing now and you got pregnant, would he be there for you, or would he run for the hills?
2. NEGATIVE ATTITUDE: If you have the attitude that all men are dogs, all men cheat, all men are pigs, this attitude will definitely repel men. Even if you do not vocalize these thoughts, it will be evident in your actions.
Solution: Be positive. Be present. Smile with every man that you meet.
3. WASTING TIME: Too often women stay in dead-end relationships or put up with being the booty call / friends with benefits girl. Settling to be in a dead-end relationship or the booty call girl will only waste your time and prevent you from meeting the right guy.
Solution: Look at your relationship. Where is it going? Is it what you want? If not, you are missing out on meeting the right guy. Don't settle.
4. LOW SELF-WORTH: Having low self-worth is never a good thing. It can prevent you from realizing when you are in a bad relationship. Usually when a woman has low self-worth, she will only attract negative men.
Solution: You are beautiful and you deserve to be with a great guy. For the next two months, take note of all the compliments that you receive from family and friends. Make a list of the compliments you receive and write down the name of the person next to each compliment. Each night, read the list of compliments. In no time your confidence will be boosted and you will agree that you are amazing!
5. TOO PICKY: You will not date a man if he does not match your long list of requirements.
Solution: Make a list of three non-negotiables. Take 10 minutes to write down traits that you must have in a man, then prioritize your list and select the top three things that you ABSOLUTELY must have in a man.
6. LOSING YOURSELF: Something that I see very often is that once a woman starts dating a guy that she's interested in, she forgets her friends and the life she had before meeting him. For example, have you ever had plans with your girlfriends, but immediately dropped your girlfriends because your new guy invited you out on a date? Men (and people in general) are attracted to people who have a well-rounded life full and are more appreciative of you and your time when you fit them into your schedule.
Solution: Don't make your life revolve around his life. Don't be afraid to have a life of your own.
7. BEING OVERLY AGGRESSIVE: Typically, men do not respond very well to what they view as pushy women. Generally speaking, men enjoy the chase and want to be the one to pursue you. If you try to push for a relationship or marriage with a man before he is ready, it will only push him away.
Solution: Keep your cool. You're amazing. Allow the man to court you.
By Camille Perkins, The Women's Insider
Ladies, have you been wondering why your friends have an easy time dating and maintaining their relationships but somehow you have difficulty maintaining your romances? Have you been noticing a trend in the way that your relationships end? If you answered yes, it may be time to consider that the problem may be YOU. Admitting that we may be the problem is never easy, but if you're doing the same things and reaping the same results, it's time for some self-reflection.
As a Love Coach, I've coached many single women on forming and maintaining healthy, successful relationships. Over time I've noticed several recurring themes that prevent women from doing just that. I'm going to share these behaviors with you.
1. HAVING SEX TOO SOON: Many women feel pressure to have sex with a man because they feel that this will keep the man's attention. Having sex with a man who is not emotionally connected with you will keep his attention-but only for the short run.
Solution: Resist the urge to sleep with a man before you're ready. Also, do not have sex with a man before there is a mutual emotional connection. Think: If you had sex with the guy you're seeing now and you got pregnant, would he be there for you, or would he run for the hills?
2. NEGATIVE ATTITUDE: If you have the attitude that all men are dogs, all men cheat, all men are pigs, this attitude will definitely repel men. Even if you do not vocalize these thoughts, it will be evident in your actions.
Solution: Be positive. Be present. Smile with every man that you meet.
3. WASTING TIME: Too often women stay in dead-end relationships or put up with being the booty call / friends with benefits girl. Settling to be in a dead-end relationship or the booty call girl will only waste your time and prevent you from meeting the right guy.
Solution: Look at your relationship. Where is it going? Is it what you want? If not, you are missing out on meeting the right guy. Don't settle.
4. LOW SELF-WORTH: Having low self-worth is never a good thing. It can prevent you from realizing when you are in a bad relationship. Usually when a woman has low self-worth, she will only attract negative men.
Solution: You are beautiful and you deserve to be with a great guy. For the next two months, take note of all the compliments that you receive from family and friends. Make a list of the compliments you receive and write down the name of the person next to each compliment. Each night, read the list of compliments. In no time your confidence will be boosted and you will agree that you are amazing!
5. TOO PICKY: You will not date a man if he does not match your long list of requirements.
Solution: Make a list of three non-negotiables. Take 10 minutes to write down traits that you must have in a man, then prioritize your list and select the top three things that you ABSOLUTELY must have in a man.
6. LOSING YOURSELF: Something that I see very often is that once a woman starts dating a guy that she's interested in, she forgets her friends and the life she had before meeting him. For example, have you ever had plans with your girlfriends, but immediately dropped your girlfriends because your new guy invited you out on a date? Men (and people in general) are attracted to people who have a well-rounded life full and are more appreciative of you and your time when you fit them into your schedule.
Solution: Don't make your life revolve around his life. Don't be afraid to have a life of your own.
7. BEING OVERLY AGGRESSIVE: Typically, men do not respond very well to what they view as pushy women. Generally speaking, men enjoy the chase and want to be the one to pursue you. If you try to push for a relationship or marriage with a man before he is ready, it will only push him away.
Solution: Keep your cool. You're amazing. Allow the man to court you.
salam...cikgu eddy.. trima kasih doa kejayaan pada 9.9.12 bari ni, berkat doa cikgu dan sy turut berdoa dan solat hjat, baru2 ni sy dpt offer transfer tmpt keje ke perak... sy keje di KL manakala suami di perak...1thn sy mintk tukar tmpt keje ke perak skrag tgh tunggu surat pngesahan prtukaran dr HR...
Menggunakan kaedah Petak Motif Hayat (ciptaan cikgu A-D) menunjukkan bahawa selebriti ini berada dalam tempoh gemilang yang ramai network dan banyak rezeki.
Juga, selebriti ini mempunyai banyak angka 7 iaitu sebanyak 5 kali di bahagian statik sahaja! Jadi memang banyak tarikan... maka sesuai untuk "sales" / "marketing".
Jika anda dalam dunia sales / marketing (jualan & pemasaran), bagaimana dengan potensi pola 7 anda?
Juga, selebriti ini mempunyai banyak angka 7 iaitu sebanyak 5 kali di bahagian statik sahaja! Jadi memang banyak tarikan... maka sesuai untuk "sales" / "marketing".
Jika anda dalam dunia sales / marketing (jualan & pemasaran), bagaimana dengan potensi pola 7 anda?
Dalam satu sesi konsultansi, usahawan ini mengadu masalah kedai makan beliau yang kurang mendapat pelanggan padahal kedai-kedai makan yang lain walaupun kurang selesa tetapi ramai pula orangnya.
Adalah penting untuk pola "sales: dan "marketing" perlu ada pada usahawan... atau jika tiada padanya maka ada cara lain untuk mendapatkannya.
Pelajarilah Teknik Pola 729 Jualan menggunakan arah, dsbnya untuk meningkatkan jualan anda.
BONUS: Pelajari bagaimana mengenali prospek atau klien anda menggunakan NOMBOR HANDPHONE serta bagaimana mengenali cara jualan anda yang berbeza dengan penerimaan pemahaman prospek atau klien anda menyebabkan anda susah untuk "close sale". Ini adalah ilmu tambahan jika anda telah pelajari kaedah Sales NLP atau Hypnotic Sales sebelum ini - ianya membantu dan memudahkan anda mengenali prospek/ klien dengan cara yang lebih berkesan.
Adalah penting untuk pola "sales: dan "marketing" perlu ada pada usahawan... atau jika tiada padanya maka ada cara lain untuk mendapatkannya.
Pelajarilah Teknik Pola 729 Jualan menggunakan arah, dsbnya untuk meningkatkan jualan anda.
BONUS: Pelajari bagaimana mengenali prospek atau klien anda menggunakan NOMBOR HANDPHONE serta bagaimana mengenali cara jualan anda yang berbeza dengan penerimaan pemahaman prospek atau klien anda menyebabkan anda susah untuk "close sale". Ini adalah ilmu tambahan jika anda telah pelajari kaedah Sales NLP atau Hypnotic Sales sebelum ini - ianya membantu dan memudahkan anda mengenali prospek/ klien dengan cara yang lebih berkesan.
SINTOK - Mulai sekarang, Petunjuk Prestasi Utama (KPI) naib canselor institusi pengajian tinggi awam (IPTA) akan diukur berdasarkan kejayaan mereka melaksanakan program akademik yang melahirkan mahasiswa berciri keusahawanan. Menteri Pengajian Tinggi, Datuk Seri Mohamed Khaled Nordin berkata, pelaksanaan KPI itu selaras dengan kejayaan sesebuah universiti yang diukur melalui penghasilan modal insan kreatif, inovatif dan memiliki kemahiran yang diperlukan majikan untuk memenuhi keperluan abad ke-21. Katanya, KPI itu bagaimanapun dilaksanakan berperingkat-peringkat supaya adil kepada semua naib canselor IPTA kerana ada universiti tidak menumpukan banyak program pendidikannya kepada bidang keusahawanan.
Ulasan: pihak kaedah pernomboran telah melahirkan ramai usahawan yang berjaya dan kaya semenjak tahun 2006 lagi. Jika ada pihak institusi yang berminat untuk menggunakan model dan modul pembelajaran kaedah pernomboran dengan usahasama dengan pihak kami, sila hubungi [email protected].
Ulasan: pihak kaedah pernomboran telah melahirkan ramai usahawan yang berjaya dan kaya semenjak tahun 2006 lagi. Jika ada pihak institusi yang berminat untuk menggunakan model dan modul pembelajaran kaedah pernomboran dengan usahasama dengan pihak kami, sila hubungi [email protected].
Seperti yang cikgu A-D beritahu sebelum ini tahun 2013 adalah tahun pendidikan, kebetulan bermulanya Pelan Pembangunan Pendidikan Malaysia 2013-2025.
Eloklah ada perubahan (kan tahun 2012 tahun perubahan) dalam pendidikan di negara kita ini supaya pendidikan itu lebih relevan dengan kehendak di zaman terkini.
Eloklah ada perubahan (kan tahun 2012 tahun perubahan) dalam pendidikan di negara kita ini supaya pendidikan itu lebih relevan dengan kehendak di zaman terkini.
Tahukah anda Barack Obama ada pola dunia pendidikan dan beliau mendapat royalti lebih kurang USD1 juta untuk karya beliau?
Jika anda ada sesuatu pola, gunakanlah semaksima yang boleh untuk meningkatkan kejayaan dan kekayaan anda.
Jika anda ada sesuatu pola, gunakanlah semaksima yang boleh untuk meningkatkan kejayaan dan kekayaan anda.
Sepertimana cikgu A-D dah berpesan bahawa tahun 2012 adalah tahun jiwa kacau, jadi janganlah korbankan jiwa anda walau sekacau mana kehidupan yang di alami. Hidup ini penuh dengan ujian dan cabaran untuk mendewasakan kita Carilah kekuatan dan jawapan supaya hidup lebih berkesan. Ditambah pula dah mula bertembung dengan tempias tahun 2013 tahun berselisih faham, maka bertambah parah situasi sekarang terutamanya anak-anak muda yang bakal menjadi pemimpin kita nanti.
Menurut satu kitab lama tahun 1960an dari Kota Bharu menyatakan untuk tahun 2013 yang menjadi mangsa adalah kanak-kanak dan wanita. Jadi, jangan jadikan diri anda sebagai statistik sebegitu.
Menurut satu kitab lama tahun 1960an dari Kota Bharu menyatakan untuk tahun 2013 yang menjadi mangsa adalah kanak-kanak dan wanita. Jadi, jangan jadikan diri anda sebagai statistik sebegitu.
Petak untuk membuat pengiraan tarikh lahir adalah gubahan cikgu A-D, jadi ianya ekslusif bagi team cikgu A-D. Cara pengiraannya ada di dalam sebuah buku dari Amerika Syarikat tulisan Hal A. Lingermann - buku tersebut ada dijual di kedai buku Kinokuniya, Suria KLCC. Pihak yang bukan team cikgu A-D gunakanlah bentuk lain untuk mengelakkan dari kekeliruan dengan team cikgu A-D kerana petak ini bukan diniatkan untuk digunakan secara terbuka oleh individu yang bukan team cikgu A-D.
China has a new richest man (and he only spends $20 a day) according to the Bloomberg Billionaires Index. ... Zong Qinghou, head of China's third-largest beverage maker, is the country's richest man after unveiling that his stake in closely held Hangzhou Wahaha Group Co... Zong's net worth to $21.6 billion, according to the Bloomberg Billionaires Index. He is now $13.4 billion wealthier than Robin Li , founder of the nation's biggest search engine”
MUAR – Misteri kehilangan wang tabung di Masjid Sultan Ibrahim di sini, terjawab dengan tertangkapnya seorang lelaki berusia 21 tahun, 3 September lalu. Ketua Polis Daerah Muar, Asisten Komisioner Mohamad Nasir Ramli berkata, suspek sangat dikehendaki kerana begitu licik menjalankan kegiatan tersebut dengan berpura-pura bermusafir dan menumpang tidur di masjid berkenaan pada waktu malam. Menurutnya, tetapi sebenarnya suspek mempunyai muslihat dengan menggunakan taktik itu untuk mencuri wang tabung masjid
(hmm... masjid muar yang mana lagi kan? banyak2 masjid apahal masjid tu yang jadi mangsa, agaknya cahaya kekayaan dek asyik berdoa kekayaan je di sana?)
(hmm... masjid muar yang mana lagi kan? banyak2 masjid apahal masjid tu yang jadi mangsa, agaknya cahaya kekayaan dek asyik berdoa kekayaan je di sana?)
kwn sya.. minta sy bgtau ckgu yg dia mimpi laut, ada bnyk ikan besar2 n salah seekor ikan tu gigit dia... dia pn spt sya, rasa mengantuk sgt lps berdoa tu.
Salam... saya baru ja dpt kdai balik stlh 4 bln diarah keluar ole owner kdai lama.. berkat doa jarak jauh..
salam cikgu..saya pernah mintak advise dari cikgu untuk company lama sy dan saya.. selepas tukar nama..saya tgk mmg ada perubahan sikit pada syarikat saya..nampak maju sikit..
Salam... saya baru ja dpt kdai balik stlh 4 bln diarah keluar ole owner kdai lama.. berkat doa jarak jauh..
salam cikgu..saya pernah mintak advise dari cikgu untuk company lama sy dan saya.. selepas tukar nama..saya tgk mmg ada perubahan sikit pada syarikat saya..nampak maju sikit..
Pengumuman: Mulai hari ini, cikgu A-D telah memadam akaun Facebook di bawah nama "Eddy Rosyadie". Dengan ini, cikgu A-D tidak ada lagi akaun Facebook. Jika ada mana-mana page Facebook yang berkaitan dengan cikgu A-D maka ianya bukan dari cikgu A-D. Sebelum ini beberapa tahun lepas, cikgu A-D pernah sign-up Facebook kerana mahu link dengan seorang rakan tapi tidak pernah buat sebarang page tetapi kini menyedari kesilapan yang telah dibuat dan akaun tersebut telah dipadamkan.
Kursus yang julung kali diadakan untuk anda pelajari lebih dekat perihal teknik tenaga dalaman / gelombang berkaitan pemulihan diri secara alternatif seperti aura, Chakra dsbnya. Memahami teknik alternatif ini dengan lebih mendalam seperti gelombang Delta Kaabah oleh Master Kasyfullah yang telah mengerjakan umrah dan sempat mengalirkan gelombang Kaabah di dalam kaedah rawatannya. Kali ini digabungkan dengan pembelajaran teknik Al-Fatihah 7 yang pertama seumpamanya di adakan... jangan lepaskan peluang berharga ini daftar segera.
Tempat: Pejabat Aritida Beauty, Seksyen 7, Shah Alam - belakang JAKEL Shah Alam.
Tempat: Pejabat Aritida Beauty, Seksyen 7, Shah Alam - belakang JAKEL Shah Alam.
Atas permintaan ramai yang terlepas program 9 Sept di Muar lalu, Seminar Pola 336 & 696 Tahap 1 + Tahun 2013 dirancang dianjurkan sekali lagi. Sila hubungi atau SMS ke Encik Nizam 012 769 3807 nyatakan pilihan bandar.
Pelajari bagaimana untuk menggunakan kaedah pernomboran bagi meningkatkan jualan atau prestasi jualan anda/ organisasi anda berdasarkan arah yang betul, jenis pasaran yang betul serta taktik jualan yang betul. Ramai usahawan atau jualan mengalami masalah kerana mereka membuat jualan/ perniagaan di arah yang salah, jenis pasaran yang salah serta taktik yang salah.. jadi anda betulkanlah strategi jualan anda supaya lebih cemerlang.
Tempat: pejabat cikgu A-D di Pekan Meru, Klang (atas BSN Pekan Meru). SMS taip kod KD dan nama anda supaya pihak kami tahu jumlah kuantiti nota yang diperlukan dalam kelas nanti.
Tempat: pejabat cikgu A-D di Pekan Meru, Klang (atas BSN Pekan Meru). SMS taip kod KD dan nama anda supaya pihak kami tahu jumlah kuantiti nota yang diperlukan dalam kelas nanti.
Foto program 9 Sept 2012 di Masjid Jamek Sultan Ibrahim, Muar, Johor
Program Seminar Pola 336 & 696 + Tahun 2013 dan seterusnya Majlis Berdoa Kekayaan.
Program Seminar Pola 336 & 696 + Tahun 2013 dan seterusnya Majlis Berdoa Kekayaan.
Di Majlis Berdoa Kekayaan - foto bersama pelajar Cikgu A-D iaitu Sdra Noredie (SCM Avail Johor) Alphard Vellfire JNR7272 dan Sdra Faeez Mazlan (Public Gold Master Dealer Johor) Lexus JNK769 - kedua-duanya dibeli pada tahun ini... nombor plet mesti hebat... Tq kehadiran mereka yang komited untuk berjaya kaya berterusan dengan ikhtiar berdoa bersama-sama dalam komuniti kami dalam perjuangan kekayaan & kejayaan.
Di majlis berdoa tersebut, sdra Noredie memberikan nasihat bahawa berhutang dengan manusia dan melambat-lambatkan membayar hutang dengan manusia merupakan perkara yang menjejaskan kejayaan seseorang. Walaupun sebelum ini beliau pernah melalui hidup tempoh sukar (2008 yang lalu yang mana kereta ditarik, rumah nak dilelong, makan cuma 2 keping roti canai setiap hari) beliau berusaha dan berjaya melunaskan hutang sebanyak RM120 ribu dalam masa 6 bulan dan kini hidup bebas hutang... jadi cubalah kita ikhtiar untuk hidup tanpa perlu berhutang, jikalaupun kita perlu berhutang pastikan ianya boleh kita kawal.
Di majlis berdoa tersebut, sdra Noredie memberikan nasihat bahawa berhutang dengan manusia dan melambat-lambatkan membayar hutang dengan manusia merupakan perkara yang menjejaskan kejayaan seseorang. Walaupun sebelum ini beliau pernah melalui hidup tempoh sukar (2008 yang lalu yang mana kereta ditarik, rumah nak dilelong, makan cuma 2 keping roti canai setiap hari) beliau berusaha dan berjaya melunaskan hutang sebanyak RM120 ribu dalam masa 6 bulan dan kini hidup bebas hutang... jadi cubalah kita ikhtiar untuk hidup tanpa perlu berhutang, jikalaupun kita perlu berhutang pastikan ianya boleh kita kawal.
Every man - like every woman - is different, but this may explain what's going on next time you find him analyzing his fantasy team like his life depends on it. Not included: why he's taking so long in the bathroom. After all, some things should remain mysteries. By Holly Corbett, REDBOOK.
Husbands need to feel needed
"For husbands, not being able to impress your wife from time to time is like Kryptonite for Superman," says Lois Barth, a relationship and career coach based in New York City. "Just think of the movies most men love to watch: lone hero in the town against the bad guys saving the day. That hero chip is hardwired into most men - as long as we let them be." Don't rush to do the jobs you dread just to tick another item off on your to-do list - asking for help can bring you closer.
Husbands show their love through actions rather than words
Men aren't as direct in expressing their love as women, and they aren't mind readers. They want to know what women like and then give it to them. The more directly you tell him what you crave ("It makes me happy when you surprise me with dinner") the more likely you are to get it. And when he does show you a bit of what you're looking for, such as bringing you flowers, making a big deal out of it will help pave the way for repeat behavior in the future. Sure, woman appreciate romantic gestures, but being there when you need him - whether that's when your car breaks down or your aunt passes away - sometimes says more than blatant declarations of love. After all, a sweet-talking romantic is great, but a husband who doesn't bail in an emergency is even better.
Husbands care about fashion -- a little
Most guys aren't as concerned with their appearance as women are, yet would secretly appreciate some guidance in the fashion department. But if you try to change his entire wardrobe, he'll get the message that you don't like his look, and may become resentful. To work with him on his style, frame new stuff as additions to his wardrobe rather than replacements. Take the lead, but include him by asking what types of styles and stores he likes best. Even offer to arrange a day of shopping that's all about him, and set a goal - finding two shirts and two pairs of pants, for example - so he's not worried that he'll never escape the sales floor.
Husbands do best with clear, concise messages
"Many men may act like they are not listening (yes, sometimes they really aren't), but if you make a simple request or share a feeling, just let it sit rather than going into too much detail," says Barth. "Chances are that your husband will process what you're saying better if you don't bombard him with information. Believe it or not, a man's cave time isn't just about loafing in front of the TV, but processing your message so it can really sink in."
Husbands can learn to fulfill your desires
Nobody's perfect (wives included!), but you can teach your husband to give you more of what you crave. Think about the thing you'd most like to tweak, such as getting him to show more affection. Wait until he gives you a glimmer of the behavior you desire. It may be by accident, such as grabbing your arm to keep you from walking into the street. Take that inch a mile by letting him know you like it. Say: "One of the things I love about you is how affectionate you are." You're not only making him aware of how you want him to behave, but pointing out that he already has this ability. The beauty of this tactic is that you're not nagging him to change, but training yourself to notice the good. Keep reinforcing his good behavior, but stop doing it every single time. Otherwise, you risk sounding repetitive and the praise will lose its effectiveness.
Husbands get insecure too
Whether it's a potbelly, bald spot, or back hair, husbands also have body hang-ups. And husbands of today may be spending more time grooming than previous generations. Case in point: "I've seen a surge in men coming in for waxing by at least 25 percent in just the last year," says Lidia Tivichi, a clinical esthetician specializing in men's grooming and founder of Maris Dusan Spa in New York City. "Popular areas for guys include feet and toes, butt, back, and chest." While doing a little manscaping may be good for your husband's confidence -- and your libido -- remember to let him know you think he's sexy just the way he is.
Husbands need some alone time
Unlike girl-time, guy-time doesn't involve a lot of gabbing. Instead, it's about doing activities together. If his hoop-shooting or guitar-playing marathon sessions really bug you, try the "best friend test": If your friend was behaving the same way, would you get mad? You'd probably accept his or her habit as part of her personality and even admire the fact that she gets excited about something. Look at your husband's pastime as an opportunity to do something you enjoy (catching up on your stack of magazines and laughing about your husbands' quirks with friends over cocktails) rather than taking it personally.
Husbands do more housework than you think
Studies show wives underestimate the amount of time their hubbies spend on housework and overestimate their own contribution. Still, women shoulder 61 percent of the load, according to theJournal of Marriage and Family. To get closer to 50-50, sit down with your honey and create a master plan. Decide which chores must get done, and divide them according to who likes doing what and how much time and effort each requires. If you despise taking out the trash and he's indifferent, put that on his list.
Husbands like competition
You may not understand why your husband has to be in four different fantasy football leagues, bowls every Tuesday night, and is constantly plugged in to his favorite team on ESPN. "Little did I know before we got married that baseball happens nine months out of the year," says Sara Preville, 32, married for almost four years. "It used to bother me that sports would take precedence over planning everything from the baby's birthday party to what time we would eat Thanksgiving dinner. But then I realized that sports are a competitive outlet for my husband, and that not nagging him about his hobby makes him more relaxed in other important areas -- like our relationship."
Husbands have selective hearing
Studies show men and women tend to have very different interests when it comes to conversations. Women love to talk about people and relationships, while men are more apt to talk about things. So if you're chatting with your honey after a party, try not to get upset if he's oblivious that the hostess was bickering with her husband. It's simply not where his focus was. Save the gossip for those who will appreciate it (a.k.a. your girlfriends).
Husbands need to feel needed
"For husbands, not being able to impress your wife from time to time is like Kryptonite for Superman," says Lois Barth, a relationship and career coach based in New York City. "Just think of the movies most men love to watch: lone hero in the town against the bad guys saving the day. That hero chip is hardwired into most men - as long as we let them be." Don't rush to do the jobs you dread just to tick another item off on your to-do list - asking for help can bring you closer.
Husbands show their love through actions rather than words
Men aren't as direct in expressing their love as women, and they aren't mind readers. They want to know what women like and then give it to them. The more directly you tell him what you crave ("It makes me happy when you surprise me with dinner") the more likely you are to get it. And when he does show you a bit of what you're looking for, such as bringing you flowers, making a big deal out of it will help pave the way for repeat behavior in the future. Sure, woman appreciate romantic gestures, but being there when you need him - whether that's when your car breaks down or your aunt passes away - sometimes says more than blatant declarations of love. After all, a sweet-talking romantic is great, but a husband who doesn't bail in an emergency is even better.
Husbands care about fashion -- a little
Most guys aren't as concerned with their appearance as women are, yet would secretly appreciate some guidance in the fashion department. But if you try to change his entire wardrobe, he'll get the message that you don't like his look, and may become resentful. To work with him on his style, frame new stuff as additions to his wardrobe rather than replacements. Take the lead, but include him by asking what types of styles and stores he likes best. Even offer to arrange a day of shopping that's all about him, and set a goal - finding two shirts and two pairs of pants, for example - so he's not worried that he'll never escape the sales floor.
Husbands do best with clear, concise messages
"Many men may act like they are not listening (yes, sometimes they really aren't), but if you make a simple request or share a feeling, just let it sit rather than going into too much detail," says Barth. "Chances are that your husband will process what you're saying better if you don't bombard him with information. Believe it or not, a man's cave time isn't just about loafing in front of the TV, but processing your message so it can really sink in."
Husbands can learn to fulfill your desires
Nobody's perfect (wives included!), but you can teach your husband to give you more of what you crave. Think about the thing you'd most like to tweak, such as getting him to show more affection. Wait until he gives you a glimmer of the behavior you desire. It may be by accident, such as grabbing your arm to keep you from walking into the street. Take that inch a mile by letting him know you like it. Say: "One of the things I love about you is how affectionate you are." You're not only making him aware of how you want him to behave, but pointing out that he already has this ability. The beauty of this tactic is that you're not nagging him to change, but training yourself to notice the good. Keep reinforcing his good behavior, but stop doing it every single time. Otherwise, you risk sounding repetitive and the praise will lose its effectiveness.
Husbands get insecure too
Whether it's a potbelly, bald spot, or back hair, husbands also have body hang-ups. And husbands of today may be spending more time grooming than previous generations. Case in point: "I've seen a surge in men coming in for waxing by at least 25 percent in just the last year," says Lidia Tivichi, a clinical esthetician specializing in men's grooming and founder of Maris Dusan Spa in New York City. "Popular areas for guys include feet and toes, butt, back, and chest." While doing a little manscaping may be good for your husband's confidence -- and your libido -- remember to let him know you think he's sexy just the way he is.
Husbands need some alone time
Unlike girl-time, guy-time doesn't involve a lot of gabbing. Instead, it's about doing activities together. If his hoop-shooting or guitar-playing marathon sessions really bug you, try the "best friend test": If your friend was behaving the same way, would you get mad? You'd probably accept his or her habit as part of her personality and even admire the fact that she gets excited about something. Look at your husband's pastime as an opportunity to do something you enjoy (catching up on your stack of magazines and laughing about your husbands' quirks with friends over cocktails) rather than taking it personally.
Husbands do more housework than you think
Studies show wives underestimate the amount of time their hubbies spend on housework and overestimate their own contribution. Still, women shoulder 61 percent of the load, according to theJournal of Marriage and Family. To get closer to 50-50, sit down with your honey and create a master plan. Decide which chores must get done, and divide them according to who likes doing what and how much time and effort each requires. If you despise taking out the trash and he's indifferent, put that on his list.
Husbands like competition
You may not understand why your husband has to be in four different fantasy football leagues, bowls every Tuesday night, and is constantly plugged in to his favorite team on ESPN. "Little did I know before we got married that baseball happens nine months out of the year," says Sara Preville, 32, married for almost four years. "It used to bother me that sports would take precedence over planning everything from the baby's birthday party to what time we would eat Thanksgiving dinner. But then I realized that sports are a competitive outlet for my husband, and that not nagging him about his hobby makes him more relaxed in other important areas -- like our relationship."
Husbands have selective hearing
Studies show men and women tend to have very different interests when it comes to conversations. Women love to talk about people and relationships, while men are more apt to talk about things. So if you're chatting with your honey after a party, try not to get upset if he's oblivious that the hostess was bickering with her husband. It's simply not where his focus was. Save the gossip for those who will appreciate it (a.k.a. your girlfriends).
Ini adalah satu contoh lagi tentang kajian pola. Kali ini pola yang dikenali sebagai "pola banyak besi" atau "pola askar" "pola polis" seumpamanya. Apabila menyelidik tentang potensi, ada potensi yang memang tersembunyi yang anda tidak ketahui. Anda ingat itu bukan potensi anda tetapi itulah ruang dan peluang potensi anda. Kadang kala potensi anda dibongkar dan anda merasakan ianya tidak tepat atau menggelikan jiwa anda tetapi hakikatnya anda belum mendalami potensi anda itu dengan sebaiknya.
Cuba lihat contoh individu-individu di bawah ini dan tentunya kaitan dengan pola tersebut.. siapa sangka mereka ada pola sebegitu dan terlibat dalam potensi pola tersebut. Anda bagaimana? Gunakan pola bukan sahaja untuk kenali diri tetapi untuk jenis pasaran perniagaan, kerjaya, jodoh dsbnya.
Pelajarilah kaedah pola-pola potensi dari kami:
- Kursus WhoAmI (kursus Asas) Tahap 1, 2 dan 3.
- Kursus Arah dan Jenis Pasaran Perniagaan dan Jualan.
Cuba lihat contoh individu-individu di bawah ini dan tentunya kaitan dengan pola tersebut.. siapa sangka mereka ada pola sebegitu dan terlibat dalam potensi pola tersebut. Anda bagaimana? Gunakan pola bukan sahaja untuk kenali diri tetapi untuk jenis pasaran perniagaan, kerjaya, jodoh dsbnya.
Pelajarilah kaedah pola-pola potensi dari kami:
- Kursus WhoAmI (kursus Asas) Tahap 1, 2 dan 3.
- Kursus Arah dan Jenis Pasaran Perniagaan dan Jualan.
6 Months To A Better Budget
By Andrew Beattie | Investopedia
Can you have perfect abs in just six minutes a day? It's hard to say for sure, but you can have a solid budget in six months. One of the challenges with proper budgeting is that it has to become habitualin order to be effective. You can survive without knowing how to budget if you manage to keep more money coming in rather than flowing out or have credit cards to cover the gap, but this won't last forever. People often resort to budgeting after they've already been dealing with expenses and income in a back-of-the-envelope kind of way.
Emergency Fund
The crux of this six-month plan is the emergency fund. In general, traditional budgeting starts with tracking expenses, eliminating debt and, once the budget is balanced, building an emergency fund. To speed up the process, we are going to start by building a partial emergency fund. Ideally, everyone should have a minimum of a few months' wages sitting in a liquid account for any unpleasant surprises. This emergency fund acts as a buffer as the rest of the budget is put in place, and should replace the use of credit cards for emergency situations.
You will want to build your emergency fund as quickly as possible. For someone who lives in a rented home and has only a modest amount of debt, an emergency fund of $600 may work fine. If you own a house, a car and other things that can unexpectedly require cash infusions, then your emergency fund will need to be bigger. The key is to build the fund at regular intervals, consistently devoting a certain percentage of each paycheck toward it and, if possible, putting in whatever you can spare on top. This will speed up the process and get you to think about your spending.
What's an Emergency?
Here's where it can get a little trickier. You should only use the emergency money for true emergencies: like when you drive to work but your muffler stays at home, or your water heater starts to hiss and spit green bile like Linda Blair in The Exorcist. Covering regular purchases like clothes and food do not count, even if you used your credit card to buy them. It may help to keep the account at another bank or, better yet, a online savings account, where you can't access the money as easily and where it will get higher interest than a normal savings account.
While it's true that you would save money if you used your emergency fund to eliminate credit card debt, the purpose of the fund is to prevent you from having to use your credit card for paying for the ugly things that life throws at you. With a proper emergency fund, you will not need your credit card to float you when something goes wrong.
Downsize and Substitute
Now that you have a buffer between you and more high-interest debt, it is time to start the process of downsizing. It is odd that the natural solution to "not enough money" seems to be increasing income rather than decreasing spending, but this backwards approach is very familiar to debt counselors. The more space you can create between your expenses and your income, the more income you will have to pay down debt and invest.
This can be a process of substitution as much as elimination. For example, if you have a $60 per month gym membership, cancel it and use half of the money you save to invest or pay down debt and save the other half to begin building a home gym in your basement. If you buy coffee from a fancy coffee shop every morning, you could just as easily purchase a coffee maker with a grinder and make your own, saving more money over the long term. Although eliminating expenses entirely is the fastest way to a solid budget, substitution tends to have more lasting effects. People often cut too deep and end up making a budget that they can't keep because it feels like they are giving up everything. Substitution, in contrast, keeps the basics while cutting down the costs.
Focus on Rewards
Another trick that will help your budget come together faster is to focus on the rewards. If you are constantly looking at what you have to cut and give up, the very act of budgeting will become distasteful. A mixture of long- and short-term goals will help keep you motivated. This can be as simple as saving for a small luxury, or even something bigger like buying a car with cash. Some of your long-term rewards may just be benchmarks on the way to your overall goals. For example, you may want to sock away $10,000 in a retirement account before you are 30 or be debt-free in five years. Watching these goals slowly but surely become a reality can be very satisfying and provide further motivation to work harder at your budget.
Find New Sources of Income
Why isn't this the first step? If you simply increase your income without a budget to handle the extra cash properly, the gains tend to slip through the cracks and vanish. Once you have your budget in place and have more money coming in than going out (along with the buffer of an emergency fund), you can start investing to create more income. It is better to have no debt before you begin investing. If you are young, however, the rewards of investing higher-risk, high-returnvehicles like stocks can outweigh most low-interest debt over time.
Conclusion
Much like the disclaimers that come with exercise tapes promising to make you look like a body builder in just six minutes a day, it is possible that it will take you more than six months to get your budget balanced out. This all depends on your situation, including how much or what kind of debt you have. On the upside, just like people who begin exercising for the first time tend to see results sooner than regulars, you may find that your improved budget has immediate benefits for you. Even if it does take you longer than six months to get your budget turned around, it is time well spent.
By Andrew Beattie | Investopedia
Can you have perfect abs in just six minutes a day? It's hard to say for sure, but you can have a solid budget in six months. One of the challenges with proper budgeting is that it has to become habitualin order to be effective. You can survive without knowing how to budget if you manage to keep more money coming in rather than flowing out or have credit cards to cover the gap, but this won't last forever. People often resort to budgeting after they've already been dealing with expenses and income in a back-of-the-envelope kind of way.
Emergency Fund
The crux of this six-month plan is the emergency fund. In general, traditional budgeting starts with tracking expenses, eliminating debt and, once the budget is balanced, building an emergency fund. To speed up the process, we are going to start by building a partial emergency fund. Ideally, everyone should have a minimum of a few months' wages sitting in a liquid account for any unpleasant surprises. This emergency fund acts as a buffer as the rest of the budget is put in place, and should replace the use of credit cards for emergency situations.
You will want to build your emergency fund as quickly as possible. For someone who lives in a rented home and has only a modest amount of debt, an emergency fund of $600 may work fine. If you own a house, a car and other things that can unexpectedly require cash infusions, then your emergency fund will need to be bigger. The key is to build the fund at regular intervals, consistently devoting a certain percentage of each paycheck toward it and, if possible, putting in whatever you can spare on top. This will speed up the process and get you to think about your spending.
What's an Emergency?
Here's where it can get a little trickier. You should only use the emergency money for true emergencies: like when you drive to work but your muffler stays at home, or your water heater starts to hiss and spit green bile like Linda Blair in The Exorcist. Covering regular purchases like clothes and food do not count, even if you used your credit card to buy them. It may help to keep the account at another bank or, better yet, a online savings account, where you can't access the money as easily and where it will get higher interest than a normal savings account.
While it's true that you would save money if you used your emergency fund to eliminate credit card debt, the purpose of the fund is to prevent you from having to use your credit card for paying for the ugly things that life throws at you. With a proper emergency fund, you will not need your credit card to float you when something goes wrong.
Downsize and Substitute
Now that you have a buffer between you and more high-interest debt, it is time to start the process of downsizing. It is odd that the natural solution to "not enough money" seems to be increasing income rather than decreasing spending, but this backwards approach is very familiar to debt counselors. The more space you can create between your expenses and your income, the more income you will have to pay down debt and invest.
This can be a process of substitution as much as elimination. For example, if you have a $60 per month gym membership, cancel it and use half of the money you save to invest or pay down debt and save the other half to begin building a home gym in your basement. If you buy coffee from a fancy coffee shop every morning, you could just as easily purchase a coffee maker with a grinder and make your own, saving more money over the long term. Although eliminating expenses entirely is the fastest way to a solid budget, substitution tends to have more lasting effects. People often cut too deep and end up making a budget that they can't keep because it feels like they are giving up everything. Substitution, in contrast, keeps the basics while cutting down the costs.
Focus on Rewards
Another trick that will help your budget come together faster is to focus on the rewards. If you are constantly looking at what you have to cut and give up, the very act of budgeting will become distasteful. A mixture of long- and short-term goals will help keep you motivated. This can be as simple as saving for a small luxury, or even something bigger like buying a car with cash. Some of your long-term rewards may just be benchmarks on the way to your overall goals. For example, you may want to sock away $10,000 in a retirement account before you are 30 or be debt-free in five years. Watching these goals slowly but surely become a reality can be very satisfying and provide further motivation to work harder at your budget.
Find New Sources of Income
Why isn't this the first step? If you simply increase your income without a budget to handle the extra cash properly, the gains tend to slip through the cracks and vanish. Once you have your budget in place and have more money coming in than going out (along with the buffer of an emergency fund), you can start investing to create more income. It is better to have no debt before you begin investing. If you are young, however, the rewards of investing higher-risk, high-returnvehicles like stocks can outweigh most low-interest debt over time.
Conclusion
Much like the disclaimers that come with exercise tapes promising to make you look like a body builder in just six minutes a day, it is possible that it will take you more than six months to get your budget balanced out. This all depends on your situation, including how much or what kind of debt you have. On the upside, just like people who begin exercising for the first time tend to see results sooner than regulars, you may find that your improved budget has immediate benefits for you. Even if it does take you longer than six months to get your budget turned around, it is time well spent.
RSS Feed