Which are you? And who are you going to be in next 5 or 10 years from now?

Always have a plan. Always make plan.

1. Life Plan.

2. Financial Plan.

3. Safe and Security Plan (Contingency Plan).

4. Business Plan.

5. Investment Plan.

6. Education Plan.

and anything related to the plan that planned out your life!

BAHTERA. Apa yang saya pelajari dari BAHTERA.

What I have learnt from ‪#‎BAHTERA‬ event and talk:

AZIZAN OSMAN'S Billionaire's Formula:

1. Always have BURNING DESIRE. (have desire or drive ; MONEY, CAR,etc)
2. BE TOUGH. (never give up, too easily)
3. Have a CLEAR TARGET (market research and segmentation)
4. LEVERAGE ON TECHNOLOGY (media social, web hosting, marketing)
5. Build 'A'-TEAM (team of specialists, experts and professionals)
6.TIMING IS EVERYTHING (anticipate on time, time is opportunity)
7. TURNOVER/FINANCE (you have to learn to read and good with numbers)
8. TENACITY
9. TRACKING (always know how much is your profit and losses, asset and liabilities)
10. BE TRANSPARENT
11. BUSINESS MASTERY (human resources, accounting, finance, sales, marketing, operation)
12. KEEP GROWING, KEEP LEARNING! (always read, always attend seminars, always be positive and teachable)
13. FOCUS ON RESULT

Azizan Osman

ROZETA TAJUDDIN's founder of FIKRYSZ SDN. BHD.

1. Register MATRADE
2. Learn e-commerce (make alibaba.com account and start do online biz)
3. Target Market
4. Market Research
5. USP (Unique Selling Point) - your product/services uniqueness.

Director of MU'IMIN toothpase

1. Learn how to export products (with reach target customers of more than 70 billion person worldwide)
2. Do International Business.
3. example ; TRADEWIND.
4. Always know, WHERE, WHY and HOW to expand.

Irfan Khairi 3P Formula :

1. PRODUK (jual apa barang pun ok, as long tau akan pasaran barangan itu)
2. PLATFORM (facebook, web hosting, blogspot, instagram, twitter, etc)
3. PROMOSI

selain itu:

1. sertai program affliate seperti AMAZON AFFILIATES, ZALORA AFFILIATES, TOYSRUS AFFILIATES (untung komisyen 10-12% daripada barangan yang kita hanya tolong promote kan di web kita tanpa sebarang kos, untung atas angin, senang kan?)

2. sebelum nak jual satu produk, always cari apa barang yang sedang DEMAND, WANT and NEED. Contoh:

pergi ke AMAZON, LAZADA, EBAY and ZALORA, pergi search "BESTSELLER LIST." untuk tahu produk apa yang sedang hangat di pasaran sekarang.

sekian.

Life Lessons part 9.

When life turns you down, get yourself an ice-cream!

And say to yourself, "hey buddy, it's okay."

Maybe you're not good enough for that someone, for the company or any related events in life. But you're still alive! That mean you still have A LOT of opportunities of life can offer!

Get up, chin up, look on the bright-side and go for it!

Yes, it's hard to start something new to us, but you have endure it, make mistakes and learn from it. Whatever you do and wanted in this life, always MAKE A PLAN!

And having contingency plan (plan b/ backup plan/ emergency plan) IS A MUST.

-SHAFIQ BUANG.

Positivity and Plans.

Positivity and Positivism is the key. Key for crystal clear successes in life. Again, it comes with strategic and logic plans that already smartly assumed the potential risks, profits, advantages and disadvantages.

Robert T. Kiyosaki quote part 4.

"In the world of education, the more mistakes a person makes, the less intelligent that person is thought to be."

- ROBERT T. KIYOSAKI.

But again, it's just 'thought to be'. Obviously, there's always another potential and opportunity that came from his or her talents and relentless efforts.

"Dalam dunia pelajaran (akademik), seseorang itu dianggap kurang bijak jika melakukan kesilapan dengan banyak."

Persoalannya, ianya hanya 'dianggap'. Sudah tentu ada lagi peluang yang datangnya dari bakat dan kesungguhan usahanya.

Life Lessons part 8.

There is two problems with money.

1. Not having enough money.
2. Too much money.

Not having enough money will pressured you up and make you desperate to earn it any ways either right or wrong.

Meanwhile, having too much money but lack of financial education, investing guide, market research,and personal experiences will lead the excess cash to waste.

Shafiq Buang's educational quote part 1.

"You're what you've read. It's on how many books you've read, type of books, authors, and how clarified you're with the books. And how that books affect your mentality and personality. Read right books for right reasons to achieve the right mindsetting."

-SHAFIQ BUANG.

Robert T. Kiyosaki quote part 3.

"I recommend people start in the B quadrant before proceeding to the I quadrant. Regardless of whether the investment is in real estate, a business, stocks, or bonds, there is an underlying comprehensive business sense that is essential to being a sound investor. Some people have this comprehensive sense, but many do not, primarily because school trains us to be highly specialized, not comprehensively trained."

-Robert T. Kiyosaki's CASHFLOW Quadrant page 272.


The 4 Quadrants:

E - Employee
S - Self-employed (small business)
B - Business Owner with employees.
I  - Investor.

What are you looking for? What are you trying to prove?

" In average, most of us are less than three paychecks away from bankruptcy."

Example:

1. Your monthly salary is RM 4000. And your total expenses from liabilities monthly and yearly is RM 2000.

Your remaining is RM 2000.
It take 6 months with that remaining money monthly to get RM 12000.

(because your salary before is RM 4000 without subtracting all those expenses and savings)

RM 4000 x 3 months = RM 12000
RM 2000 (remaining) x 6 months = RM 12000

What I want tell you guys is that most of us are likely to spend high when their incomes are high.

So basically, high salary minus high expenses equals to indebted.

Most of us are and will be in this situation because of protecting their 'image' and 'status', by buying unneccessary wants (doodads). And not prioritizing their needs.

Eg. Expensive houses, cars, and etc which make them lured to a 10,20,30,40 or 100 years of debts!

Again, my question is.

"What are you looking for?"
"What are you trying to prove of?"

Life Lessons part 7.

If your salary around RM 2000.
It takes 41 years and 6 months,
to make RM 1 million.

And if your salary is RM 4000.
It still takes 20 years and 8 months,
to make RM 1 million.

And yes, all that numbers are not yet include the amount of expenses, bills, and liabilities that you need to pay constantly.

The question is,

" Do you enjoy living in rat race?"

" Do you actually love the traditional ways by studying after secondary school to advanced degrees, masters or doctorate just to specialize on one course/profession/career while your time, money and energy already being used or 'wasted' a lot back then?"

" Do you really think that your purpose of life is to work 8 hours everyday for 5 days or 6 days in a week like some kind of puppets?"

" Do you want to have more time with your family and loved ones? Vacations? More time for your hobbies? Of course, most of us want and need it, obviously."

My point is, I want you to think hard and take control of your time, energy and money.

Find your own creative way to become rich and debts free.

It's not easy, but it's not impossible.
It's not that simple, but it's not that hard.

I have few essentials ways and guides for you to develop rich people's mindset :

1. Read a lot of RIGHT finance, business, investing and marketing books.

(eg. Rich Dad Poor Dad, Donald Trump, Warren Buffet, Think and Grow Rich by Napoleon Hill, and etc)

2. Go to money making seminars and courses.

3. Have your own professional coach and mentor who are already success or he/she is a millionaire himself/herself.

4. Mind your own businesses and investments.

p/s: Stop wasting time. Be smart. Think big. Always look and know the opportunities.
And be financial literate. You MUST force yourself to love numbers. It make you wiser.

Robert Kiyosaki quote part. 2

" The only difference between a rich person and a poor person is what they do in their spare time."

- Rich Dad.

p/s: I personally recommend to all of you who want to become rich and achieve financial freedom, get Rich Dad's ,Donald Trump, or Mary Buffet books.

Start reading. Be financially literate and wise. Save your paychecks and incomes. Then invest some of it. Manage the risks. Smart predict the potential profits.

Life Lessons part 6

When you're young, you have to worry a lot, you have to stress yourself a lot, you have to make plans for your retirement days.

Always have 10-20 years ahead of planning.
Keep your savings and incomes that at least will cover your daily expenses and other expenses for a year.

Start thinking hard right now!
Plan your attainable and realistic goals now.
Set up the millionaire's mindsets right now.

If you said "you're still young and still have time."

I challenge you to said that statement again in 20 years from now.

That day when you're in debts of personal expenses, wife, family, children, house, house decorations, furnitures, cars, gadgets, foods, clothing and so on!

Think big and make strategic plans now.
Because if you don't, then have fun working hard to pay your debts, expenses and bills every months and years until next generations!

Robert Kiyosaki quote part 1.

"Financial intelligence is all about how much money you make, how much money you keep, how hard that money works for you, and how many generations you can keep it."

- Robert T. Kiyosaki.

Life Biggest Secret

I tell you one of the biggest secret to become rich and successful in whatever areas and fields or wherever you are.

The biggest ultimate secret is :

" It's not about how much you know, it's all about how many people you know, and how many people know you."

let say, you're doctor or a chef and you're running you're own clinic or a restaurant.

you can make excellent and effective medical treatment to the patients.
you can cook a tasty and magnificent food.

but the situation is, you don't know enough people and people don't know you either,
when you knows no one, and no one know you, it can be conclude that,
you will have lesser or no revenues/incomes at all.

that's just simple scenario.
obviously, you can think bigger pictures out of it and other real life examples.

the conclusion is,

" Don't just work hard and let your brain go empty. Think hard, work extra harder for start-ups, and plan it smart, and have a joy in life even before your retirement age! "

-SHAFIQ BUANG.

Life Lessons part 5

Question that most of us in this earth struggled to answer and unsure.

"What is your goal in life?"

So I forward to all of you with a simple answer from a Vietnamese monk,
Thich Naht Hahn:

"The path is the goal."

In other words,finding your path in life is your goal in life. Your path is not your profession, how much money you make, your title, or your successes and failures.

Finding your path means finding out what you were put here on this earth to do.
What is your life's purpose?
Why were you given this gift called life?
And what is the gift you give back to life?

Thats is your life purposes.
Its subjective and varies with each person.

Discover yourself.
Find your own paths.
Achieve your goals.

Life Lessons part 4

Freedom may be free, but it has a price.
And it's only can be achieve by those who are willingly to pay the price.

Sacrifice your comfort zone.
Suffer now and flourish later.

To be rich, middle-class, or poor is your choice.

You may have a mountain of money right now, but it's 'right now'.

What about tomorrow? Next month? Next year? Next decade?

Your parent may be rich, but the problem is, it's your parent money, not yours.

One day they may leave you, the money will decreasing from time to time and eventually left you nothing.

How are you going to sustain?
The secret is.

Transform your active incomes into passive incomes and portfolio incomes.

Passive incomes are roughly from monthly cashflow of your assets columns.

Portfolio incomes are income from your dividents, benefits or profits from your stocks, bonds, unit trusts, fixed deposits and so on.

Always have a mindset of "how am I going to have or achieve that? "

Instead of " I cant do that, I cant afford that, I cant make it."

in a nutshell :

" Positive mind is like a magnet that attract positive people, potential opportunities, and of course money will come to you."

Be brave, be bold, take the risk, enjoy failure, dare to lose, and the profits will be your sweetest victory!

Shafiq Buang financial quote part 1

"We study hard and working hard just for the sake of money. Why waste time on study to work for money, when you can study about making money working for you instead."
-SHAFIQ BUANG.

Life Lessons part 3

It's what is in your head that determines what is in your hands.

Be smart. Think big.
Work hard is okay.
But working hard solely without thinking far is insanity.

Utilize any advantages you've right now.
Make profit out of it.
Spark an idea.
Make it happen.
It's now or never.

Life Lessons part 2

Education and wisdom about money are important.
Start early.
Buy a book.
Go to a seminar.
Practice.
Start small.
Enjoy your financial freedom.

Life Lesson part. 1

A female beggar begging in McD. People donated to her some money. With that money, she dining in McD. Eating fries, burgers and drink.

Why must we be so skeptical, judgemental and stingy misers when we have plenty or enough money.

Be generous and charitable.
No one in this world born to be beggar or love by being it so.

"Give, and you shall receive."
Be a giver, and your heart is at peace.
The unpredicted help will come when you're in trouble.

Life it's all about rotations and reflections.
It's like a bouncing mirror.

How you see it, determine it.
How you act against it, resulting it.
Choose your life.
Choose your ending.

You're in control.