personal finance + self-esteem

Eidul Mubarak 1429H!

2008-09-25T23:41:00.000-07:00

Salam to all,

Wishing all of you eidul mubarak 1429H.
Seek parents' blessings during eidul fitri is the most precious moment in life.Cheerish it. Do not take it for granted.This is one of the part of getting more wealth and reward both in this world and in the hereafter.

Sorry for everything.
Thanks for reading my articles although it has been long time l have not updated my blog due to unforeseen circumstances.Feel free to drop any news as long as it is not seditious as l am not going to allow it at any cost!

Well, keep in touch and be careful on the road.
Do not forget to do your revision!

Take care.

Anda mampu mengubahnya!

Cash is king!

2008-08-26T22:49:00.000-07:00

Salam to all,

Early August, l went to Sarawak to present paper at Malaysian Studies international Conference on social issue. I was there for 4 (four) days. The weather was extremely hot in the morning but rainy on the afternoon. Upun my arrival to KL, l was caught with fever and flu for almoat a week! I did not even touch my laptop for not being comfortable and not feeling very well. I spent time on reading and searhing for my additional resources for my phd research.

Last week, went to Melaka attending legal research and writing courses for 2 days. Followed with 2 days spent time at IIUM library and MU library for the books. I am very happy to see my old studying place (IIUM) which is closed to my heart.

During my college days, every time l went to Jaya Jusco or Carrefour, l would check my budget and expenses. Those days, we paid everything by cash. When we start working, we have the pelasure of using the plastic ( credit card). But, trust me, the latter cannot beat the satisfaction of paying based on your existing cash flow as you will not end up making debt day after day.

So, make sure you have marked three (3) categories in your cash flow : one third is your expenses, 1/3 will be your saving and 1/3 will be your investment / give it to your parents. Remember , the monwy that we give to our parents gives more blessings and peace of mind in our life.

Till then, pay as you go. If you cannot afford it in the first place, save your money
for a few months until you can afford it and pay by cash!If we practise it, we will reach independence by having debt free and peace of mind. That's one aspect of being financially independence.

Happy independence day and welcome Ramadan 1429H.

Best wishes!

2008-07-18T23:06:00.000-07:00

Salam dear all,

Thank you for the comments given. I appreciate it. Although l did not have specific time to update my blog as l wish l could, l will try my best to find some little time to reply and share my thought.

Last 2 months were among the hectic schedule in which l was not feeling very week for quite some time. I went to Shah Alam to attend faculty meetings and taught business law during last semester break and had a limited time for marking 58 answer scripts.

Still, in between, l managed to meet my future phd supervisor and a great time discussing some grey areas. I have an urgent task to prepare for my phd proposal.

I hope you will appreciate your free time. Do not let it wasted without any preparation.

Best wishes for the new semester!

Take care.

Aloha Malaysia!

2008-05-29T21:20:00.000-07:00

Salam to dear all,

l am back from Korea airport to KLIA on 28/5/08.

Truly happy for enjoying the trip to Hawaii and satisfied for the pleasure of being able to have presented my two (2) papers at such a prestigious international conference on Business at Waikiki, Honolulu, USA for almost a week!

Having said that, l also miss my two lovely kids at home, waiting patiently for my return with my beloved and sporting hubby! He has always been for me, thanks for his and family fully supports and encouragement.

Not forgetting, my mum's countless prayes on my safely return from oversea's trip. She also has been my supporter since l was born! Syukran ya ummi!

Well, l has an important tasks to continue spreading the message of the benefits of paper presentation, writing of articles, books and short stories, well why not!

Keep on reading and l will keep on writing.

Still remember Mrs. Clinton's powerful campaign that she used this sentence...inter alia " Never giving up and never giving in!" Me too!

regards,
Salam from KL

2008-05-18T06:25:00.001-07:00

Regarding the talk that Puan give last night,i have some questions to ask Puan. I don`t know where actually to ask,so here it is ;
i)If a company `gulung tikar ( insolvent)`,then for some time,the owner wants to start it up again,can he re-use the previous company name?
ii)I myself not a diploma n degree holder,can i open up a business? I have no knowledge about business. Where should i go?

Before doing freelance marketing with AmAssurance(AmBank Group),i used to sell cars,work as sales assistant with Jaya Jusco,7-11. All have to do with sales.

My answers to student :

(1) If the company is wound up, provided he has settled all the company debts owed to the receiver managers ( Official Assignee) . Then, the OA can lift the company’s bankruptcy status and the said owner can reuse his previous company’s name;
(2) Increase your knowledge first , Then, work with someone first to gain experience. Obrserve with your heart and mind. Be passionate about becoming a businessman. Otherwise, just forget about it. Business means a lifetime commitment. If you cannot stand just a day be becoming a businessman, so it is not meant for you! Have a people skill is also important. Be independent your own. Know basic things on accounting.
(3) Your previous experience can be taken as marketing and sales experience. That’s good!Use it and sharp your ability. Improve your communication skill. It shows that you have some proper networking to begin with. Follow up with the previous employers can be a good step to go further into the business field.

Well done & wishing you all the very best that life can offer to you.

Regards!

2008-05-16T03:57:00.000-07:00

Salam to dear all,

It has been such a long time since, l have the opportunity to update my blog!
Due to enormous dateline, preparation for paper presentation at 8th Annual International Conference on Business at Honolulu, Waikiki, USA from 22-25/5/08. I will be departing from KLIA from 20/5 onwards and will return to Msia on 28/5/08.

Last night, l gave entreprenuer talk for two (2) hours to students.
Really enjoyed giving talk to them...

Best of luck and Mahalo! (Thank you)

regards

Time wait for no one!

2008-03-22T09:09:00.001-07:00

Salam to all,

We have 24 hours a day. Every hour is precious. One of the way to be successful is to manage proper schedule and follow it without fail.

I notice some of students use to start the assignment task a few days before the submission day!What happened to previous few weeks?

Let start cracking. You are at your own peril to waste it before you realize how bad it is to procastinate task and start to panic!

No excuse and no NO answer!

Best wishes!

Saving is a useful tool to enjoy debt free!

2008-03-20T13:07:00.000-07:00

Salam to all,

Dear all, l have always reminded my students saving from the moment you have a ringgit in your pocket! Especially, when your loan has been credited into your saving account. Allocate at least 10% of the balance for the saving, just for emergency and when it is useful when you are about to start making a repayment,ehem ehem..!

Well, the sad fact is that being a student you have incurred liability upon your study loan. No one is in the better position to settle it except YOU!

Do not be tempted to have credit card, it it better not to have it.We cannot trust our own desire!

Another good way about money is learn not to know how to spend it!Do not buy top up just to vote your ideal singer. You make their life richer and NOT you!They do not even recognize you unless they are your relative or friend. Other than saying thank you you hear on tv or read in the magazines, do not believe their words! That's will make your mind focus to excel in your career and ingore unnessary matters.

Remember, debt free is the most happinest life in this world. We owe to no one including the banks!

Till then, best wishes!

Achievement is an accomplishment!

2008-03-15T08:23:00.000-07:00

Salam to all,

Last Staurday night, on 2nd March 2008, l received an award for the best female lecturer for the year 2007 during Academic Excellent Night which was attended by the top students who obtained the dean's lists.

I am truly honoured. I consider this as an amanah and trust for me to be the best and dedicated to my journey of seeking and sharing knowledge .

It has been quite some time l have been 'rest' on writing tsk. Now, l am driven to write more and research for my phd study.

This is just an initial. At least better have something rather than none!

Thank you for the management that gives the freedom on me to excel and do what l am good at , yet to be polished -writing and research tasks!

Adios!

Get rid of unneccesary debts

2008-02-29T07:03:00.000-08:00

Salam to all,

Are you good at spending? Yes what kind of question l posed!
Are you good of saving? Er....well depends!

It is our nature to have been attracted to the short term excitement through shopping and spending as if there is no tommorrow.

The fact is, personal finance at the price of is never been taught at schools or even colleges/universities. Only a few that taught entrepreneurship program but that has nothing to do with how to manage our own personal finance.

One of the good advice is not to have credit card at all when you start working. Believe me, once you have used it, it is like a drug addict! You will use it as it is so easy not to give the money and yet we shall have whatever we want.

There are cases whereby somemone , a fresh young graduate has been declared bankrupt at the very young age for having debt to the bank up to RM30K due to the high interest of 18% per annum.

Imagine,when you purchase an item or clothes at the price of RM500, normally you will pay RM50 to be settled within 10 months. But due to the interest, you will end up paying more than 20 months due to additional interests.

Do not get attracted with campaign from the credit card companies for you to have their faciilties. they make your life miserable if you use the card more than what you earn or afford to buy.

If your basic income is RM2000, your expenses should be less than 1500 and 500 is for saving. However, due to the desire to have what we want without saving, we end up buying items which are beyond our affordability.

Say for example, you want to have a laptop at the price of RM3500. Instead of using the card, why not you save RM500 a month for 7 months without fail. And then, you proceed with confidence to buy it for cash.

You pay as you go.

So do not stop for a second when you are approached by any card promoters as they are the one who will introduce you on how to make the bank richer and you losing the money by accepting the term of interest.

"I am not interested, qould you please get out of my way!"

Another thing is to increase your knowledge on personal finance management. Read a very good book for a start by Hajah Rohani Datuk Hj Mohd Shahir entitled "Cukup Wang Hati Tenang" and another book entitled "Hidup tenang walaupun berhutang" by Shamsuddin Abdul Kadir. Very cheap book and yet valuable tips and wisdom.

I do not want you to get problem. It is fine to earn a small income but we are DEBT FREE.To be in that kind of stage is the fullest freedom and the most happiness in the world. It is fine to drive a small car, still rent a house as long as the car is ours and we have no debts whatsoever to the bank as compared to our friend who earn more than us but he has 4 credit cards' debts to pay to the bank and high monthly installment forn his huge car and expensive maintenance!His salary is only to settle bills and no room for saving.To have this personal freedom for having debt free is to no fear to the phone call and numerous bank letters and reminders which an make us look older due to the stress!

Having said that, except acceptable and good debt such as housing loan is acceptable. But that only within your affordability by taking into account your liability and another commitment such as car loan and education loan.

Best wishes and live within your means!

Empower yourself from within

2008-01-27T05:53:00.000-08:00

Salam to all,

It is such a wonderful feeling to feel good when we think positive about ourselves. If we have found difficulty, do not worry. Search for an assistance. You might be suprised there are many people out there who willing to help and give second opinion.

Each day will determine which level you are in terms of competency and proficiency. For instance, tough subjects must be revised the first day the lecture started.

Do not forget to have fun in between so that our mental strenghth is not exhausted.
We can be ambitious but do not put too much pressure on ourself.

Read as many book as you can will increase our confidence level.Mingle with someone who can share his/her field of expertise will make you deserve nothing but the best!

Happy New Year!

2008-01-08T06:10:00.000-08:00

Salam to all,

It is good to be back here again! What more, I am so happy to receive good news about my ex student. He posted his comment in my previous article and his whereabouts. Thank you for still remembering me. Truly appreciate the thought that he has. To him, if you happen to read my article, start a new chapter of your life with positive attitude and lots of discipline please. In fact, l went to his blog and enjoyed reading some of the articles.You are very lucky to have another opportunity. There is a blessing in disguise...So do not waste it any more! Be more focus in your studies. Thank you for your comment as well. Keep in touch!

About my ebook on personal finance, well l will tell the world when it is completed! Phew, so hard to sit down and start writing for two pages on a daily basis! Once it is on the book shelves or ebook, do not forget to buy one!

So, to all my students, revise your subjects from the beginning. Your time is precious to be wasted. Studying is another step to move forward. Knowledge is gained through reading and writing. Meeting people is another good way to exchange ideas. One more thing, please participate in our discussion during tutorial.

This Thursday, we will be celebrating Maal Hijrah 1429. SO, let's us recite doa for the new year of Hijrah and ask for the forgiveness.

Till, then,cheers!

Commercialize your ideas!

2007-11-25T20:11:00.000-08:00

Salam to all,

What is your passion? If writing is your valuable skill, create and furnish it.

If you have great ideas at home, like writing a short story, why not send to Reader's Digest? You will get paid for it, US$100 for RM400, not a vary bad idea. Or if you have not submitted any slogan to enter TM Millionaire Contest, well during this time with no assignment, no tests/quizes or lectures/tutorials, why not spend your afternoon time, with a good cup of tea ( mine nescafe!) and start writing.No need to bother about grammatical mistake or spelling error. Better to use computer or hand writing is fine too.

You yourself is an asset. Create one. Make sure you get the payment. Have a log book.Have a desire to excel in whatever you do, even in a simple job but you do it often passionately.

Another thing is to turn our hobby into a second income that can make money.I heard a story about a young man who offered his neighbours to beautify the landskap by using his own items. When everyone knew that his 'touch up' really works, he had no time for himself during weekends. Now, he opened his own consultant using his expertise without relying on his parents' money at the age of 19! So,at the very young age, he make full use of his hobby to turn into his profession.

So, start cracking and believe me, you will get excited and more income means more happiness and more enjoyment that can be fulfilled!

Best of luck!

Do some housekeeping!

2007-11-12T19:42:00.001-08:00

Salam to all,

Now the exam is over, what a relief! It is high time to watch your budget and sometimes, it is fine to spend things which you desire like shopping for the godd reason! Make sure not to over spend it.

Check your current saving account. How much do you have? Have you updated your account book? Have you perused some of your items which are left unattended?

The point here is : When we peruse or do some 'spot check' on our receipts and things that we bought, if there are so many items which are 'unsupervised' or 'maintained', it is time to show that we are spending too much for the items which are not very useful or last. Calculate how much you spend on it and total it! If it is more than RM100, it shows that we have wasted RM100 for the said items.

So, learn from the history. Do not forget to read a lot on money management. Read something about saving, investment, job opportunity, security and not for 'discount', " Sales", "While stocks last!", "Buy one Free one" etc.

Till then, spend a good time at home is a good way to save money...Do not forget to help your folks too!

Best wishes and take care.

Best wishes for your examination!

2007-10-25T22:02:00.000-07:00

Salam dear all,

Thank you for reading my articles. I have been not in touch with the internet due to my modem in which l bought a new one. Thanks to the advice given by someone who knows very well about IT gadget.

Anyway, l am sure you are still burn the midnight oil for your final preparation for your finals. Good luck but do not forget to take meals, have adequate good night sleeps ( in which it is hard to do for those who have the last minute study!) and pray hard.

I spotted those who were sleeping while they were in the exam hall. To me, they choose to sleep at the wrong time and place! It is better to have a good night sleep the night before your examination day. Our mind cannot work 24 hours non stop.

Make sure you eat proper meals like healthy food and not nasi lemak 1 (one) hour before your examination.You need lots of stamina and energy to answer within two (2) to three (3) hours.

Gotto go...need to mark papers now.

All the best for your next coming papers.

Salam Aidilfitri 1428H

2007-10-10T18:24:00.000-07:00

Salam to all,

Best wishes for your examination which will be held after Eidul Fitri celebration.
May Allah bless your efforts.
I have problem with my modem. So, it has been long time since l surfed the internet. Truly regret for not being able to update my article recently.

Anyway, will try to fix it upon returning from eidulfitri celebration.

Gotto go....have a safe journey.

Warm Regards...Ramadan is coming!

2007-09-11T03:11:00.000-07:00

Salam to all,

It has been a long time since my last article. My time was so occupied with attending lectures, marking papers, reading books and numerous notes for my patent agent examination until l did not have time to check my email, not even my blog! 1001 apologies if you happen to be an avid reader but frustrated when l did not update my article as usual.The time was so precious for me to spend time on studying ad the subjects are heavy and limited time to spare.

Now, as the exam in over, l can simply do what l love the most, writing!Any ideas l will share with you. Just keep reading and you will enjoy it.

Keep in touch...Gotto go.

Next issue is how to survive during Ramadan! You can make money, if time permits and enjoy the spirit of Ramadhan.

What do you think?

Money & You!

2007-08-18T00:15:00.000-07:00

Salam to all,

Felt great after spending long hours in studying patent law. It is quite tedious to jungle between work and study. After all, since almost two weeks l did not check my current emails and of course delayed in updating my articles.

Nevertheless,the thought is count.Today, as l browsed through the comments, l am glad there are people who are still interested to read and give comments. Thank you for being a loyal reader!I truly appreciate it.

Based on my observation, young people (not all) they overlooked the importance of saving. Money cannot buy everything especially love!Start from one (1) ringgit, once a week. Put it in a sealed place in which later you transmit it into your bank account.

Do not withdraw as much as you want for the whole month! Just withdraw it whenever it deems necessary, once a week. Make sure you keep the resit.

Organise your financial expenses by ahving a chart flow of your daily meals-groceries-clothes and stationery etc. Have an emergency account such as medical expenses and tuition fees.

On top of that, once we have identified how much we spend every week or month. The next thing, is to set aside small portion of money for saving and investment. Do it now and please be consistent!

Having said that, there will always be temptations and lucrative 'invitation to treat' for you to spend your money such as Karnival Mega Sale! Of course you still can do some shopping, have a good bargain for a quality products. Do not be cheated by your own desire to be like others, dress to kill and expensive it gadgets to match!

Set your priority and you will be safe.

Till then, check after we have spent our money on shopping can make us sometimes feel regret after spending it! If you are luckly, you are entitled to ask for an exchange of items, within its prescribed limitation. Observe that. Make a price comparison can teach us to appreciate money value.

Now, time for me to start cracking on patent law subjects!

What do you think? Have a nice day.

Patent your invention!

2007-07-25T19:00:00.000-07:00

Salam to all,

Are you creative? You can be like Leonardo Da Vinci , Alexander Graham Bell and young inventor like Jeanie Law who was granted US patent for her "Folding step for cabinet doors" invention at the age of 11! So, anyone has an equal opportunity to be an inventor.He or she must apply for a patent that is an official document given to an inventor by a government in which it gives inventors the right to stop anyone else from copying, using, distributing or selling the invention without their permission.

An invention is a new product or process that solves a technical problem. a discovery is something that already existed but had not been found.

In order to invent, an inventor must identify a need or problem. Then, he will think of a creative way to solve the problem and work hard to make that solution possible.

Inventions improve our lives in many ways they make our tasks easier and improve our knowledge and even save lives.

If you are creative, you can actually obtain patents by submitting a patent application in which it must fulfills the conditions of novelty-new as compared to the prior arts, inventive steps (non obviousness) and industrial applicability (Utility).

Why l discuss this heavy topic? because sometimes we need to expand our horizons and able to think as creative as we can that can money in a different way, although it is different from our course taken.

Do not limit yourself. As for me, l am in the middle of taking another professional course i.e. Patent Agent Examination which will be held in early September this year.

Good luck to all!

Improve your english!

2007-07-18T03:18:00.000-07:00

Salam to all,

So good to see new faces in the class. You are lucky especially when you have been credited your ptptn loan! Make sure you allocate at least 10-20% just for the saving. Do not spend unnecessarily except on book, food,transportation and other basic needs.

I noticed that many students really like to spend on expensive IT gadgets such as handphone with built in camera. It is not among the basic necessity. A very good and afforadble handphone just to make a call and sms can be within 100-200 bucks.Beware, you have to spend at least RM20-50 just to top up the credit! Better think twice before you commit.

One thing that you must invest is good english book or buy newspaper (perhaps juts read in the library!) that can improve your english. Please take golden opportunity in the class to speak in english. it does not matter if your english is broken, still it can be fixed through persistence and commitment.
Do not speak in Malay. it defeats the purpose of the whole purpose is to be fluent in english especially when you are accounting or business students.

Money is hard to get but easy to spend!
So, appreciate little thing is indeed a noble thing to do.
What do you think!

Know your right!

2007-06-25T19:23:00.000-07:00

Salam to all,

So good to spend money during sale recently launched!

Bear in mind,as consumer, do you read the label before your buy any product from the shelf? have you ever thought of knowing your right when and how to claim for a refund if you are not happy with the product i.e. defective or not up to what you expect?

This is all about getting the right information to safeguard your interests. Some of us have experienced as unsatisfied customers who have purchased a product but it is not workable.

First thing first, check in detail the external layout and its internal specifications. Bring along your friends who have technical expertise when you purchase electrical items or even a hand phone. Check the authentication of its manufacturer.

Second,buy when your stomach is full! Right, when we are not in a hurry and we have the best peace of mind, we can make the right judgment on whether to buy or not.

Third, observe surroundings especially when you bring some cash or even credit card. One man was reportedly has lost RM10k for being absent mindedness when he left his credit card at the ATM machine. Nowadays, signature is no longer required which is l believe not good as open more space for any unscrupulous people to steal and use it the soonest they obtain the card.

Fourth, purchase according to your need not what you want! This is important when you wish to save more money for your investment and emergency. Plan your shopping list and mark as whether it is very urgent to buy or you can skip it and live without it.

Fifth, ask for any reliable second opinions is good in order to ensure that whatever stuffs that we buy is indeed of a good quality and we will not regret for buying it.

Finally, before purchasing any item, check and read carefully the warranty and its conditions. make sure you post the warranty to its manufacturer's address.

Good luck & have fun !

Find ways to earn money

2007-06-24T01:28:00.000-07:00

Salam to all,

Nowadays there are many contests in conjunction with Merdaka Day celebration.If you win, there are you will get car or even house! At least, few thousand ringgit will make you smile thoughout the day!

This is one of the ways of earning income effortlessly.Of course, you need creative mind to create the best slogan and send many entries as many as you can.

Imagine you are announced as the winner! Will that be great! AT least, will cover few months ahead while waiting for your loan been credited!

Make sure to save at least 10% for saving.

Best wishes...

Learn more about yourself !

2007-06-19T17:54:00.000-07:00

Salam to all,

I scolded my son last week due to his active behaviour . I regret it.Mrs. Jamiah Samion reminded that it is better to not be angry. Instead, we should take a deep breath and explain nicely ( easy said than done!)To be angry to kids will lower their self esteem. Gosh, how l did such a terrible thing. Of course, he cried. Usually, he likes attention and always jealous of his sister.

Moral of the story : We must train ourself to control our anger and not be carried away. It is a good lesson for me to exercise freedom of speech upon my son. Let him do what he wishes provided it is within the norms. Guidance is necessary with adequade explanantion according to his age.

Learning to tackle the right situation at the right timing is not that easy. In life, we are going to face so many chapters in life such as attending interviews, meeting new people, writing articles or even slogans to win any compettion!It is good to earn money.

Handling human relationship is the most difficult subject in life.No matetr what, experience is the best teacher!

What do you think. have you regretted anything that you have done for the past 2-3 months?

Best wishes.

A new day has come!

2007-06-16T20:59:00.000-07:00

Salam to all,

Finished with the intellectual discourse last week.It touched on human rights : issues and challenges. The topic is very wide.As human, we want privacy, right to seek better rights i.e. food, shelter, education and to earn money.

What about river and air pollution, logging recklessly, landslides, children as beggers or even simple things like unable to get an access to the internet? All of this are amounting to the human rights deprivation.

As for some students, you have an access to almost everything, including your family. What about those who have no longer an opportunity to study due to their fault? Offence must be punished. That's the fact, whether we like it or not. As long as it is conducted in accordance with justice and fairness.

Whatever it is, take it as the nightmare and start afresh. Do not lose hope. In 5 to 10 years from now, you are going to see the light at the end of the tunnel... A new day begins today.

1)Improve your self worth, increase it by comparing yourself with those who are less fortunate or just watch Bersamamu TV3 program which is on air every Wednesday, 9.30 p.m.

2) Thinking big and small at the same time. Draw your life diagram. Think deep on how you are going to achive it. For example, if you want to set up a small business in selling used books, you first begins with 3-4 pages of working papers with budget stated. Find someone who share the same interest like yours. Make sure you set up list of networking. Of course find something that you have interest on it. Like myself, l prefer books and magazines. It may differ from yours.

3) Discipline and do not turn back!!!

4) Always seek your parents' blessings for comfort. As human, we need guidance and love.

5) Tawakkal and go not be impatience for fast result.

Best wishes!

Kudos to all learners!

2007-06-06T02:08:00.000-07:00

Salam to all,

Happy to be able to spend time reading in the office without any interruption. Many ideas in writing to be put into practice.Last time, l did sent one article for online publication and one for local online news. No reply yet so far. Not a problem to me. I will keep on reading and replying my friends' long distance email from Scotland this morning but the server was breakdown. So,will do it tomorrow morning.

Just a friendly note to acknowledge their words of encouragement have a powerful impact on the reader. Hopefully, when my students are at home, they will miss their classes and books as well!

It is good to keep up the high spirit to excel in studies.

There is a great difference between someone with lots of wisdom and those who speak without thinking...

What do you think?

Enjoy what life has to offer!

2007-06-04T20:01:00.000-07:00

Salam to all,

Thank you very much!

I received two comments from my colleague today. His brief thought make me to agree with his view. Yes, you are 100% right. It is so sweet to be able to talk or receive email from long time not see friend for 6 to 7 years and he/she is doing well. Some will shy away due to feel inadequate or too much occupied with own personal matters like having families or work load at the office.I also had some feelong before l contacted my friend who obtained her phd at the age of 30! I am so jealous of her! But when l ask about doing phd in UK. She wrote her emails and answered all my questions very well with lots of tips and guidance. She even invited my to see her any time that l wish!I felt so good after talking and reading her mails.

No matter what, l do believe in human relationship is the best treatment to curb daily stress.We never know by meeting someone or close friends, like Allah has mentioned , it will make our life more longer and more blessings in life.

Golden rule no. 1 - Believe in whatever we have done is enough and do not compare with others. They might have very good reasons to have what we do not have YET!We also will come to their level or even better, who knows?

No. 2 - Eliminate negative thoughts that cross our minds like feeling low. We must built up our spirit.

No. 3 - Just be ourself.Reflect what is in our heart sincerely. It will show in our face

Make sure each trip or call our friends, we start with salam and ask whether he/she is free to talk or write. Do not worry if they are late in replying. Take note in advance that they might be busy and carry on with our life. One day, they will let us know there whereabouts.

It is also increase our confidence whenever our frinds who are doing very well in their life give suggestions or ideas for us to improve ourselves. It comes from the bottom of their hearts.

Enjoy life is to appreciate our friends and be able to share ideas even without seeing them in person.

Check out!

2007-06-02T14:11:00.000-07:00

Salam to all,

During purchase, have you ever checked its nutrition facts or at least its ingrediedients? Food suppliers in UK, if they categorize food only for vegetarian "for vegetarian use" , they cannot mix it with meat.It shows that they are very particular in they food intake. As for muslims, we must always take anything which is halal.Sometimes, the halal logo is mischievous. That's why we need to double check its antheticity by referring to the reliable body like JAKIM, Persatuan Pengguna Islam Malaysia etc.

I am wondering on what about money that we spent if the quality foods is lower than we expected? Do we have the appropriate remedy that is easily assessible to anyone from all walks of life? What do you think?

You are what you eat.

It is so good to keep in touch!

2007-05-31T00:36:00.001-07:00

Salam to all,

I was so excited to receive many encouraging emails from my old friends, Syuk from Durham, Noris from Scotland, Dr. Irwani from IIUM-they are still humble yet persuasive!Their contents make my heart melt!Kudos to them! This is one of the ways to release tension besides having a peace of mind before l pick up my kids this afternoon!

So, dear all, if you miss anyone from your friends, do call or contact them. They can be of your further assistance and can release your emotional burden as well...Cant wait to have vacation soon!

Best wishes to all my friends around the world!

Discover a new you!

2007-05-29T18:40:00.000-07:00

Salam to all,

During leisure time, why not you give a call to your old friends whom you have not seen or meet for the past few years. They might be of your great assistance. Just one simple sms or email, will make your day. Just now, l received one (1) email from a loving friend. She has a doctorate in law. Despite her hectic shcedule, she still has a time to reply to my unwinded inquiries concerning doing phd program in UK.

I am so proud of her. It motivates me to excel in whatever l do. I begin to write and read more as much as l could today! Hopefully, at the end of the day, l may have something in writting like one articel to be sent to Buletin Infousahawan and one articel for online publication.

Till then, make full use of your ample time available. Do not waste your talent if you discover thta you have skill in writing and research. Nowadays, people are more concern on what they eat, drink and live. If you can accommodate your writing with your thought and get it publish and make everyone knows on its importance, it shows that your discovery has some merits and some great significance.

Dream to mark your name in the history...Nothing is impossible.That's a new you!

Make money for yourself!

2007-05-27T19:16:00.000-07:00

Salam to all,

Sure you guys spend time with family while waiting for your exam results.Ample time is precious. Why not you use this valuable time searching for additional income? If you an IT literate and prefer to hook in front of computer, you may have your own blog or website (make sure you attend any reliable workshop to gain exposure and earn money!) or you have lots of time to read and write. Start writing short articles will increase your enthusiasm and send it to many local magazines publishers. Each article they will pay according to their rate. If you can earn one article for RM100, each week if you have written 3 articles, you may earn RM300 per week. Since you have a month before your next semester, you already earn RM1200, much for a student like you!Make sure to save RM1000 in al-wadiah account and spend RM200, if l were you!Like me, l am used to send my online articles to Readers' Digest and hopefully if they select my article, they will pay me $100 (RM338).My article will be published worldwide and l will get payment for it. Thta's we call it smart partnership!

So, start searching for new ideas to generate income.
Even if you dislike writing, why not taking any attachment programms or attending workshops just to expand your horizons.If you receive allowance during your attachemnt, that's good! You gain experience, knowledge and money at the same time.

Nevertheless, the bottomline is, do not waste your holidays. Make sure you do something new and experience it.

Appreciate simple things in life!

2007-05-22T02:05:00.000-07:00

Salam to all,

We should always think big in order to be a somebody. Do not you get jealous whenever you heard that your friends have been successful in their career. Of course, you should. So, we better start thingking serious about what we are going to be in the next 5, 10 or even 15 -20 years to come.

Despite our hectic schedule, do not forget our family like your parents and siblings, aunties and uncles, nieces and nephews. They are our inspiration. Look at tiny little thing sthat if you do not have it, you will miss it and cannot perform. For instance, your it gadgets, your small handphone, your laptop, your personal diary and most important thing is your wallet/purse where all your money and your ATM/credit cards!Have a proper record and moniter it from time to time.

Make sure you keep it safely in order not to be stolen or misplaced.Sometimes, we waste our time just to search for it. So, it gives us a peace of mind if we take a good care of our personal belongings.

Also, not forgetting, keep aside your password for your ATM cards so that anything happen, no one can withdraw it without your notice.Do not trust anyone!Only monkey does not accept the credit card! (as shown in the advertisement Catherina Zeta Jones's credit card was thrown by a monkey showed his disinterest as compared to bananas!)

This is also a way to manage our money wisely and can proceed to think make money increases.

Happy teacher's day!

2007-05-16T02:36:00.000-07:00

Salam to all,

A tribute to all my teachers who taught me. When l began my career as an academician, l began to realize that it is not easy to educate young people like you. My first experience giving lecture few years ago was a disaster. Now l am happy to receive so many sms from my ex students.Your thoughts are appreciated.

Do keep in touch with your previous teachers. it will help to boost your career achievement as well.

Best wishes to you too.

Best wishes to all mums!

2007-05-13T22:15:00.000-07:00

Salam to all,

Without our mother, we will not be here. The first day, we were brought to this world, we are nobody. Our parent have given us more than a shelter, food, education and not forgetting love . Appreciate our mums while they are alive. Respect them. Make them proud of your achievement by showing your result transcipts.

Till then, you will know the word sacrifice..

Learn from mistakes

2007-05-11T22:28:00.000-07:00

Salam to all,

I am in my office, marking few answer scripts.Thinking of some of my students whom l believe they could perform better for my paper. To my suprise, they did not turn up due to unavoidable reasons. One of them has delivered a baby, congratulations! She insisted to sit for her exam elsewhere.That's good. After delivery, she showed her persistence to complete her exam.I am very proud of her. Some of them wrongly read the examination schedule. it is their mistake. I noticed that some of students they put a reminder in their handphone and that's it, believing that what they have referred to the right time for their papers. They were wrong. They should ask others just for confirmation, especially when the paper that you take is not from your own level.

Having said that, in any event if you feel that you have done a very terrible mistake in your life, start afresh and do not turn back! You have more opportunities to learn about life. Life is not not always a bed of roses. We have rules and procedures. Sometimes life does not turn out the way we plan. Take it as a valuable lesson. Read more. Think harder. Take it as a blessing in disguise, learn from your own mistakes. There is no shame in being wrong. Stand up and take it as a challenge. You have lots to offer. As what Goergo Soros said "...there is no shame in being wrong, only in failing to correct our mistakes"

Best wishes to all.

Pillar of strength

2007-05-07T22:37:00.000-07:00

Salam to all,

Life is so uncertain and unfair, sometimes. If you have done level best in your final but the result did not turn out as the way they should be, do not give up. There are 1001 oportunities out there ,waiting for you to reach it. Grab it and do not turn back!

Enjoy your youth times by learning from mistakes. To err is human. Now, what you can do is to take a piece of paper and brainstorm your SWOT . Action NOW!(Strength-Weakness-Opprotunity-Threat). Since you have completed your examination, why not you examine yourself!

Do you have any room to be improved?
Do you have what it takes to fully utilize your potential?
Do you have the guts and nerves to stand out from the rest and do something about it?

Have a proper soul checkout before you embark on any mission.

How to overcome our mixed feeling is to be ambitious and do not worry unnecessarily, be happy (easy said than done!)

I leave it to you...Best wishes.

Enough said.

Have a proper lifestyle

2007-05-01T20:45:00.000-07:00

Salam to all,

Right now, you are too busy to check my article. Mee too. I have just returned from visiting my mum who had undergone major operation in Kuala Lumpur Hospital. I was taking care of her for almost five (5) days. I put aside my work at this moment. I felt so good could be able to look after my mum while she is about to recover from her operation. She is feeling great . Hopefully, all turn out well.Today, back in the campus, attending invigilation task. This afternoon, will mark your answer scripts any time starting today.

Yesterday, l went to Book Fair in PWTC. I bought so many books on proper lifestyle, balanced diet, how to overcome stress! and some books relating to my legal research as well.

I have learned a lot while l was in the hospital. About human character and taking care of my mum's needs is not that easy. You have to put aside your own comfort. Sacrifice is the word for it. It is not that easy to find any young people to take care of their older folks. If you have the oppotunity, grab it and do not turn back. You will notice that soon your life will be blessed with lots of blessings and more to come.

Also, it helped me to control my temper and reduce it, at least! Have a sense of humour at this hour is very essential. I become more concern of what l eat and drink.One thing not to be missed, exercise and good night sleep. I am not sure whether l have the luxury to have a good night sleep in the middle of 150 answer scripts waiting to be marked!

Till then, best wishes!

Strive for excellence

2007-04-16T02:06:00.000-07:00

Salam to all,

It has been long time since my last article. I came across many young people who are interested to improve themselves for the betterment. Everyone has strength and weakness. Have you checked yours? When you have known your continous assessment, what is your target in order to score A for that paper is in the pipeline or impossible to reach due to poor performance in your carrying marks?

Do not be upset to some of you. You still can aim high. Just be smart and make some proper plan ahead. With some few days left, it is withoin your control. Whatever action that we can control, make sure you do 150% efforts to score for the final. Do not look at the past.

TIPS FOR YOUR FINALS:

Improve your level of comprehension for each subject.
Always remain calm and recite Quranic verses to gain strength and confidence.
Exercises make perfect by referring past year examination questions.
Have discussions with your reliable colleagues who are helpful in studies.
Do not forget to socialize so that you will not be left alone.
Call your parents to seek their blessings.Cheerish them with your excellent results.
Do not forget to pray and smile too!

See you next time!

Managing your personal finance!

2007-03-27T20:01:00.000-07:00

Our TPM said that students must be taught on how to manage their personal finance. Also, they have to read magazines and books on personal finance. Young people at the age of 20 to 25 year old, they have been trapped and indebted to credit card companies for their inability to settle their remaining outstanding debt.Some of them were declared bankrupt or insolvent at the very young age.

Despite the fact that they are degree holders, but when it comes to personal finance, they went blur and used credit card like crazy without thinking of its side effects like getting sued from the bank for the unsettled arrears! What a shame. Actually, at this age,they should develop their carrer and establish a good reputation in their career advancement.After getting their qualification, their career is a good start to earn money and meet the ends.Handling financial problems and minimizing any incoming problems ( better not to have this problem from the outset ) will bring you forward to the road of success in your chosen career.

Why this scenario happen? It is because :

1) they do not live within their means;
2) they spend the credit limit as if they had the money'
3) they use the credit card as another source of making debt unnecessarily;
4) "enjoy life= Biar papa asal bergaya" but limited source of income or without second or additional income to pay the credit card debt;
5) lack of knowledge in managing their money;
6) do not have adequate 'back-up system' like protection or investment.
7) many responsibilities or other expenses to settle . Yet, they still use credit card as to buy whatever they want and could not give a damn if they actually could not afford to buy it in the first place.

Lack of knowledge in managing their money

Above all, this is number one reason on why we fail to manage our money. Of course, life is full of uncertainty. But, we must act as a filter to determine what is important and what is not really urgent. Basic needs like food, clothing, education and travelling expenses are examples of what we must have and pay for it.

Non important stuffs like MP3 (unless you involve in entertainment industry), expensive CDs (just listen your favourite songs at the radio!), expensive handphone or anything that you know if you do not have , you still can breath and will not affect your work ( although it will affect your mood and emotion too,just ignore it...hehe!)

So, start reading personal finance stuffs like book written by Hajah Rohani and Azizi Ali's collection on personal finance. I myself bought his latest book on Retire Rich. I want to retire rich! So, l have to control my desire on buying unnessary items. Allocate few hours a day to enrich ourselves by reading and writing. I am also in the prosess of writing personal finance among youths in a practical way, based on my observation.My expenses in buying books have two (2) purposes . Number 1 : As an investment as l love collecting books and magazines. Number 2 : Can deduct from my income tax up to RM700 a year. That's what we call it smart buying.

Live within yout means...Practise makes perfect!

Till then,best wishes to all!

Dress to kill!

2007-03-17T22:41:00.000-07:00

Salam to all,

It is important to have a proper attire when you attend any functions including attending classes. I notice some of students do not seem to care about what they are wearing.Some of them wear casual attire like tight jeans and t'shirt which for ladies is not appropriate.

Spend some time to figure what kind of clothes that you have and categorize them according to the themes such as formal or informal, outdoor or sport activity, casual and sight seeing.

It is good to see you with the right kind of dress and feel comfortable with it. Indiretly, your confidence will be increased and everyone is happy with your presence.

First impression during interview is important. Make sure you observe the dress code so that you will not be humiliated.

Last word for today's thought, you are what you wear.

Plan ahead is a must!

2007-03-15T21:47:00.000-07:00

Hi to everyone,

I am sure you like to purchase quality items like laptop,video camera,handphone, travelling ticket to Europe and the list goes on. Do not procastinate about planning ahead. What you do in your life is more important than what life can do for you.

When is your retirement age?30 to 40 years from now? Now, you must instil the habit of saving monthly withouf fail.Survey each portfolio when you opt for insurance protection and investment. have another account just for vacation yearly.Remember, it is not wise to put all eggs in one (1) basket.

Saving and investment are equally important. As human being, it is natural to have feeling to have luxorious items in life.It is good for self fullfillment.It is good for self esteem as well although it is not of the measurement or yardstick to value self esteem.What we can do it is to have a back up system and upgrade our expertise by attending courses and taking subjects so that eventually, we will get promoted subject to our job performance. Moreover, have another part time jobs will increase our income. In the long run, we are able to save money for the things that we desire and buy it cash without credit assistance.

Some property like a piece of land or a house needs huge of money at least 20-30K just for the deposit.Discuss with your spouse (if you are married) when and how you are going to achieve it. Start surveying from now and read a lot. Ask anyone whom you know is an expert in managing our finance and have CFP ( Certificate in Financial Planning).You will save lots of time and enjoy making new friends.

Till then, prepare ahead for your retirement is one of the prerequisite to enjoy peace of mind during your retirement. With one (1) condition, we must plan ahead and follow the golden rule : Saving, investment & pay cash for items and services that we have always wanted in life such as oversea trips.

Have a safe journey in life by having freedom in personal finance will give you confidence and peace of mind. No need to take sleeping pills too!

Respect the elders is importance too!

2007-03-15T02:28:00.000-07:00

Salam to all,

It is very importance to be nice to almost everyone especially the elder folks like your grandpa or grandma.Why? To show our respect if we want others to respect us. We must treat others like what we want people to treat us kindly.

It is so nice to receive salam from my ex students. I happen to receive dull looks from my previous students. As if they did not know me in the first place! That's too bad for them.They have showed disrespect and in case l will interview them later, l will not recommend them due to their bad attitude!What a disgrace!

You will never know when and how your lecturer can be of your assistance in the future. Like becoming a referee. Until now, l still keep in touch with my ex lecturers who taught me during my degree until my master program. At least, few sms and card will make they appreciate our presence.At least, when l bump into them during conferences, they will greet me first and be happy to entertain my inquiries and few tips for me. That's good for my academic advancement.

So, keep in touch and do not remain silent or show a sour face in front of your lecturers, no matter how moody you are at that time. Impression will last longer than you thought..!

Stay cool and act friendly to everyone including your colleagues and lecturers.They can actually read your mind by your gesture and body language.

Take the road less travelled

2007-03-14T01:45:00.000-07:00

Salam to all,

Do you enjoy travelling? Allocate few thousands for the trip either locally or abroad. The benefits are enormous. Travelling unfamilair places will expand our horizons and friends collection. It is good at least twice or thrice a year to see others' places like Samantha Brown's Passport to Europe. She really enjoyed her job very well!

If we happen to follow our normal routine daily without any changes or 'happening events' , our life is dull.

Also, it rejuvenates our mind, soul and spirit. It enhance our mental capabilities to face any incoming challenges.Do not forget to bring along camera and video camera.Later once you have it, it will bring back the unforgetable memory and quality time spent with the family.

Tips for today:
(1) Do not forget to enjoy life by taking vacation;
(2) Allocate some money just for the trip plus shopping!
(3) Bring light materials like few clothes;
(4) Do not leave your personal belongings unattended;
(5) Insured your cards like CPP (Card Protection Privilege) and bags;
(6) Take many photos and videos;
(7) Write an article for each trip you have visited;

Enjoy life to the fullest!

(3)

Yourself is an asset

2007-03-12T22:42:00.000-07:00

Salam to all,

It is so nice to make a 'comeback' to own blog after being 'away' for almost three weeks!Very hectic schedule like marking papers, consultations and teaching workloads. Not forgetting, family activities which sometimes l could not open my own email for quite some time.

Nevertheless, l am happy to receive long distance message from one of my friend who is undergoing master program under Chevening Scholarship. He is really a bright student and now an achiever.You may surf to his blog.

I have a few of my friends who have done very well with their life. So proud of their acheivement. One of them is Puan Nik Salida who is attached with KUIM. The other one is Ms. Majdah a committed lawyer. Next,Ms. Fahda who is now with the Timmy Thomas.

Once you have left your friends to pursue your interest and ambition, in the next 5-6 years you might notice how their previoues hardworking efforts were paid off. They were among the stars and really 'wanted' in their organisation.

Make yourself an asset to the organisation...including to your family members.
Then you will enjoy your life up to the fullest.

How to achieve it:

Tips for today:
(1) Increase your general knowledge;
(2) Act friendly to almost everyone whom you meet;
(3) Cherish every opportunities;
(4) Do not give up;
(5) Strive for the best;
(6) Always motivate yourself;
(7) Get connected and have a proper and established networking.

Good luck & have fun!

Be accountable in whatever you do

2007-02-13T18:10:00.000-08:00

Salam to all,

So happy to see my students could answer questions of Partnership And Company Law last night. Anyway, when l was about to leave my room for my next class this morning, l received a phone call from one student who did not sit for the said test last night. Her excuse was that she did not know that the venue had been changed as she did not attend the lecture yesterday and she was not informed by her friends about the change of the venue. She went to the wrong class and she waited for 10 minutes before she thought that the test might be cancelled!

She was wrong. I just could not accept the fact on why she did not even bother to ask her friends from 12 noon until 8 pm yesterday regarding the venue as l did mention that l would confirm the venue yesterday as l needed to check the availability of the venue first? Why she did not sms to her friends asking about the venue? If she could attend last night test ( l did not whether she did come or not as there was no witness around to see her that night ). Why she went straight to her room after waiting for 10 minutes? The test started at 8.30 p.m.? Why she did not check few halls around? Why she did not ask the representative of her class as l did appoint one representative for each class for any students' reference? It appears to me that she could not answer my questions and she was broken into tears. ( Sorry, l did not buy that!It make me more angry!)

To my dismay, she wanted to sit for the test at 10 am this morning without referring to my timetable that l am having class at that time. She even left a note in front of my room in that morning , asking me to send her sms whether she could see me at 4 p.m. to sit for the test without asking me in the first place whether she is eligible to sit for the test or not?

From the way she talked, it appears to me that she really did not ready for the test. When she knew from others that many could perform the test, she wanted to do the same at her own appropriate time. Without thinking that l am also have another tasks , besides teaching like writing, preparing research and marking hundreds of answer's scripts tests in which most of the time, l continue at home due to time constraint and many students came during my consultation hours.

So, integrity plays an important role here. Do not make a fool of your lecturers. They are smart enough to identify that you are not ready and are taking advantage of their kindness and sweet face! Of course, l have discretion, but if you take it for granted you will be in trouble. Expecting me to follow as you wish and suit to your schedule is not an appropriate thing to do.In fact, it is the worst thing to do and tarnish your image in front of your lecturer's perception.

The bottomline is :

Be accountable in whatever we do is another important lesson l want you to digest here. If you intend to skip test for no apparent reason ( unlike appropriate cases like having an MC or have another emergency cases like death or accident that's acceptable), other that that all excuses are lame excuses.She has learned from her mistake. Please do not repeat the same mistake.Also, it applicable to everyone too as a reminder.

For those who think that l did not mean what l have said.Well,I can see students who are hardworking and those who just want to have fun and take my words for granted. I have proved her wrong!Want to test my patience,anyone!You will be sorry. So, do not ever make an attempt whatsoever.

Anyway,thank you for reading my long winded story!

Take care and enjoy your holidays.
Do not forget to do your revision!

Live within your means

2007-02-11T18:46:00.000-08:00

Salam to everyone,

PTPTN loan defaulters will face nightmare when their names will be blacklisted from making application for housing or car loan. I am sure now you are PTPTN loan holder , if you are thinking of buying another new handphone while the old is still usable or perhaps buy own motorbike or kancil , you better be careful. Otherwise, you will end up like the previous loan defaulters who broke before the end of the month because they did not set their priority in managing their personal debts. Some of them can pay RM650 for their car monthly installment but only RM50 just to settle their loan debt to PTPTN which l think too much and they are self centered.

It is human nature like, we like shopping.Nevertheless, there is a limit for everything. In school or campus, we never be taught on how to spend our money wisely.It is up to our experince on trials and errors (more errors!)

I do not want you to experience such a terrible experience of not getting a job after your graduation and at the same time, you do not have any saving in your saving account, only the minimum deposit! Now, start saving and you can buy Sijil Simpanan Premium ASB for your future. I myself allocate RM500 every month just for it.While l was a student, l had one (1) saving account just for my saving. Which means , l cannot withdraw from that account in whatever circumstances.Every year, l have seen the dividends have been increased.I am so happy and relieved.

l did not spend lavishly on pocket money that l received monthly from my dad ( l saved it most of the time), l had a few thousands from my MARA scholarship which al-hamdulilAllah, it was converted into full scholarship due to the excellent result for my LL.B (Hons). At least, at that time, l did not have to pay RM18,790 MARA scholarship for my 4 year law degree program. My late father ( at that time, he was a retired pensioner (Major (B) was so proud of me. He kept telling kampung folks that l followed my elder brother's footsteps of not burdening his financial condition as we were fully sponsored by MARA.

At that time, l sent resume and many replied in positive. I had four (4) jobs waiting for me including a magistrate post which l declined as l wanted to practise first as a corporate lawyer before l joined the government. Since university days,I was always reminded myself on what will happen in the future if l am broke. That's why until now, l do not shop clothes a lot. Most of my belongings which 5 -7 years ago still l can use it until now as still in good condition such as walkman, clothes, jewellery and handbags! Alah membeli menang memakai!I did not like window shopping because if l do, this will increase my expenses and overbudget.

Of course ,only a few occasions, l really spend a lot on shopping only if l have accomplished my missions like getting A for 3 or 4 subjects in that semester. So, l worked hard to earn A on these subjects because l wanted shopping so much as a special gift as a result for my countless efforts.

Every time when l received allowances, the first thing that l will do is to save 20-30% and credited it into my saving account in which l am not going to touch it in the short term under whatever circumstances.

That's how you can try to live within your means and will not broke at the end of the day/month. Have a proper back up system will help us to be tough and perseverence.Start now when you are a student. Do not wait until you start earning your salary. Otherwise, you will be sorry.

Do not get be tempted easily with sales or jualan mega/runtuh!
Otherwise, all your saving will go vanish if you spend on shopping unnessary items!!!

Good luck in managing your money.

Do not forget to enjoy live...

Take care.

Good Luck in your undertaking

2007-02-09T22:56:00.000-08:00

I receive sms from my ex-student who said thats he is stil unemployed. Well, do not worry, even though you have not been employed, you can still work from home (your parent's home). How? Do not limit yourself to job 9am-5 pm, you can actually create your own office and job.

Self-employed. Nowadays, you can earn money through affiliate programs over the internet, cerate own website to sell homemade cookies form you own kitchen (why not, if it is tasty, l want to order one!) , write a book or be a full time care taker for your nieces/nephews so that at least you can get RM250-300 rather than nothing, right!

Attend any seminars around you. it means you must allocate your money for it. there are many good workshops that can expose you to different and new techniques in learning new skills like learn how to make muffins or cakes/cookis and create web sites any many more.

At least, you are not sitting down doing nothing. Be productive!

Wishing her all the very best in her undertakings. You too!

Take care.

Study is your main priority

2007-02-07T14:55:00.000-08:00

Salam to all,

Very happy to be able to write here. Truly missed opportunities of surfing internet due to poor internet connection and balik kampung!Nevertheless,have to do which are priorities and not.

We have 2 months plus for lecture weeks. A few of students came to see me during consultation.That's good! Keep it up! For those who have scored in the first quiz, do not be too complacent.For those who fail or did not make it, do not worry,you have more to come.Learn from past mistake.Strive for excellence.Take it as a challenge. Do not forget to see me (consultation hours)!

Take care!

Prepare for the worst

2007-01-27T17:56:00.000-08:00

Salam to all,

I smiled when l read one of my student's comment regarding questions for the first quiz last week. For him, it was too easy as he read a lot but it turned out not the way he was expected! When UPSR was an issue on whether it should be abolished or not, the same issue here is related.

The point here is, as students, sometimes we have to expect nothing but the worst. But if the thing turn out not the way we plan, life is like that. Life out there is more miserable than what you expected it to be. So, be grateful if sometimes life gives you more easy way to handle just like the quiz ! Of course we cannot put high expectation in everything we do. Familiar with so many techniques and types of questions from easy to the more difficult versions will be done accordingly.

My aim is that l want to expose you with the different mode and level of questions from easy, moderate and difficult when the right time comes. Whatever you have studied wil not to be wasted. It will be asked in a different way , perhaps in problematic questions and essays. Like for quiz, l want you to familiar with Part A in the final which is structured questions in nature. The questions that l selected are derived from the previous final examination questions whioch l modifed it.

So, not to worry too much. You will have ample time to deal with more difficult questions next. At least l know that my students like challenging questions!

Do not forget to be tough cookies too !!! (just kidding!)

Have a nice week ahead.

Improve your English!

2007-01-24T22:20:00.000-08:00

Salam to all,

Very sad to note that some of our students have poor command in English proficiency. I myself came from religious background, my secondary school's medium of instruction was in Arabic language. At home, l read Reader's Digest since l was in standard 6. Until now, l am still their loyal subscriber. Besides magazines, l also read non-fiction in English and make sure at least l spent 30 minutes to read NST or The Star on a daily basis without fail.

You must have a very strong will to master this language. Once your add more new words and make a habit of using it, your confidence will increase and it shows on the way you write and speak. Also, not forgetting, it is good when you want to do your assignments and project papers.

So, it is not too late for you yo start buying good magazines but make it is in English. It is not a shame to read Malay magazines ( l do buy some of them as the contents are good too). The point is, we have to try every means just to make sure we master the language.

So, this weekend, pick up any NST or english magazines and do not forget your dictionary!Pleas bring along your dictionary to the class.

Have a nice weekend!

You get what you give

2007-01-22T21:58:00.000-08:00

More or less is not a question.

The issue here is become an offeror/doer/giver is better than a taker or receiver.

How to increase your self esteem is by helping others in need.
Feel free and outreach whom you wish to help.
Pay a visit in group to a hospital or adult centre like Pusat Kebajikan Orang Tua once or twice a year, showing your love and affection. This is how you will be grateful to Allah that gives you everything and appreciate little things that you have.

Since you are student, enjoy your lectures/tutorials hours as time goes by very fast. No turning back. I wish l could be in your shoe so that l can challange myself in getting the highest marks again and again. Neverheless, our journey of seeking knowledge does not only confine to the classroom and modules.

You can learn about life from all walk of life. Make a friend from someone who were among the flood victims in Johor,Pahang or Sabah. When you interact with them, make sure you repahrase your appropriate words so that whatever comes from your mouth is nothing but full of advices and motivation. They want that kind of thing.

When they appreciate your help, you will feel wanted and enjoy the sense of belonging. Thsi will add to list of new friends and colleagues. You will appreciate your mum's advices (sound like nagging before!) and your naughthy brothers at home.

Make sure you make the research beforehand;
Be able to perceive thing into a new perspective;
Your level of thinking will mature and it is the right exercise to be a problem solver.

This is how you can put a practice on solving problematic questions in the finals.

Survival of the fittest

the key to survival is to learn

to add more value today, and everyday

(Andrew S. Grove)

Next tip on how small steps may be a path to glory!

Good luck!

Tips on how to study law

2007-01-21T18:50:00.000-08:00

Is by thinking BIG! Just kidding!

Foremost, just to answer my student’s question on whether this coming quiz for all three codes l am teaching this semester, the format either objective or essay? The answer is neither both! It will be in the form of structured questions, perhaps 1 or 2 objective questions. Do not worry. Just revise whatever we have discussed during tutorials. The answer is there…Good luck!

Tips on how to study law;
1) Please take note that all the acts and cases are sources of law. The manual is meant to facilitate the lecture. That’s why it has themes like definitions, general rules, exceptional to the general rules, ways, situations, the effects, the remedies, elements, types, procedures, etc;
2) Kindly use your imagination. It works! Especially when you want to answer a problematic question. Sharpen your skill as a counselor or problem solver. Remember, law follow our human nature (like happiness/peace and dislike cruel /dispute/disaster!);
3) Read beforehand just to gain general overview of what the topic is all about. Make sure you understand the objective behind each topic. Each topic is designed interdepently;
4) Personalize your own mind mapping or simpler notes per topic. Do it on a weekly basis (make sure you have all the topics done. Not just few topics!);
5) Be prepared for each coming tutorial. Ask questions! Always prepare 2 or 3 questions so that you are able to ask during tutorials. Make sure you also give your opinions as well just to show your level of comprehension. This will impress the lecturer and everyone is happy during tutorials!
6) Have 3 or 4 sets of past year examinations questions in order to identify the format, type of questions, their lengths and portion of marks. Identify certain keywords frequently used in the questions:

Advise : present information (provision or legal principles), opinion or recommendation to determine as to whether or not the party can take action.
Describe : present the details and characteristic of certain issues.
Distinguish : specify differences between two (2) points.
Discuss : provide the pros and cons on certain issues.
Illustrate : explain something by using examples especially cases.
State : express.
Reconcile : make compatible apparently conflicting statements as theories.

7) Learn and master the method and the appropriate way on how to answer problematic questions.(will be discussed during tutorials in week 6 or 7) ;
8) Disipline and always strive for the best. Motivate yourself. Feeling unmotivated, read my online articles here (free of charge!)
9) Pray and seek parents’ blessings too. Allah knows best!

So happy to receive three students came into my room to ask questions. It shows their determination to succeed from the outset. They do not apply the concept of last minute study! Anyone care to join!

Congrast to Adibah, my favourite artist ( I did not watch the show last night as needed full rest to wake up early for my writing!) I like her because she is smart and talented in singing. Reason why l like her is because she has people skill ( not just like the other artists who are glam with heavy make-up and fully sponsored designer clothes!)

Till then, have a nice day ahead!

p/s : Promo -Please read!

Peraduan Mencari nama pendek "Kejohanan Sukan UiTM Terengganu 2007"

Penyertaan masih lagi dibuka sehingga 24 Jan 2007.

Penyertaan haruslah disertakan dengan :
Nama :
Jawatan :
No.Pekerja/No. Metrik :
Bahagian/Program :
No. Tel/Samb. :
Nama Kejohanan :

(Pelajar sila kemukakan penyertaan di pejabat unit sukan).

RM100 disediakan sebagai hadiah kepada pemenang.....

Daripada:
Jawatankuasa Publisiti & Serantau
Kejohanan Sukan UiTM Terengganu 2007

Create new ideas

2007-01-19T12:34:00.000-08:00

Salam Maal Hijrah to all of you,

I am sure now you are at home, celebrating new year for our Islamic calendar. Recall back your resolution for 2007, almost three (3) weeks ago.

Another stepping stone to success is to create new ideas. How? By being creative in your way of thinking and doing things.
Take the road less travelled.That's how we can find new ideas as not many people discover it.

Do not follow your normal routine throughnout the year. Sometimes, take your time off to do things which you are not familiar with but eager to give it a try.

For instance, let's learn how to cook for guys!Why not? Some of the chefs are guys. Why not learn on how to build your own website by attending any IT workshop. Of course you need to spare some money and time for it, but it is an investment, remember?

Tips for today;
1) Do not limit yourself;
2) Try new things. Do not be afraid of failure. I myself this morning (3 a.m.!) have tried to bake a bread but ended up 'not exactly what l wanted" But l am happy to find out there are 5 ways on how to avoid mistake while baking a bread. Can't wait to buy more floor tomorrow!I am sure l can beat the best bread in town!(Sorry, not for sale!);
3)Make friend with the kids. They have lots of stamina.Sometimes, we cannot catch up with them. Observe how they brave enough and so excited to try new things. So, have that's kind of attitude in trying new things.Make sure you still behave like a grown up person!Do not scream or shout for no apparent reason, or else someone will think that you have problem with your brain!
4)Read many books from different kind of nature. Do not just stick to only one particular genre or fiction. Non-fiction is wonderful to be read as well!
5)Interview someone whom you admired and learn from him/her. Write down their words of wisdom so that it will inspire you on a daily basis;
6)Exercise can uplift your spirit dan make your adrenaline increae. This is good when you plan to do thing which you are not used to;
7)Discuss in group who share the same interest with you. For instance, if you plan to ride a horse, find 1 or two of your friends to join with you so that your burden will be lessened and you are strive to excel. Form an activity together. Make a proper schedule. Again, revise to check whether it is worth the efforts or not. If no is the answer, then go the another activities which can increase your confidence, strive for th best and can make money, of course you need to master the skill first before you embark on a serous plan to do business!

No matter what, study should comes first.
It is good to be an avid doer cum thinker cum archiever.

Malaysia BOLEH !

See you next week!
Take care.

There is Greatness within you

2007-01-17T18:36:00.000-08:00

I quote the above title from one of my daily motivational posters available in my room. Everyday if l feel stress out, l will read the content and feel relief! What a funny feeling, life isn’t always easy. This coming semester, dealing with 16 teaching loads with three (3) different codes and 2 additional hours for distance learning students during weekends, if l did not manage my time from the outset, l will be in trouble at the end of this semester.

In between, l plan to continue my writing on the topic that l love the most; 101 tips on how to manage your personal finance (students’ edition - applicable for both gender; girls and guys that's why for girl's section, l include health section on how to care for the skin at a minimal cost. Although, for guys it is not applicable for them, but hey, do not you have girlfriend or perhaps your sister to share with!Each chapter can be read interdependent), research and writing blog which are time consuming. I do have another consultation for students. At the end of the day, attending my kids’ needs will definitely demands my stamina to be used again!

Being a student is the most appropriate way for you to be able to identify what kind of person and personality that you have. Since you have no liability except attending to your own needs, why not you take a piece of A4 white paper and a pen and brainstorm your strengths that you can enhance it NOW please!

For example, if you love painting, why not you master it by taking professional course during your semester break? Expand your horizon. Do not limit your ability. Just because you take accounting subjects, it does not mean that you are restricted to only read figures and nothing else matters. That's wrong.

DO not waste your talent. Grab any incoming opportunity and do not fear of making mistakes. If you like talking and there is a job vacancy for part timer for a deejay, why not you attend the selestion and who knows, from the moment you are a deejay, it give you besides an additional income, you enjoy the work as if it is your hobby. Your adrenaline will be increased which is good in order to to face more challenging options later on.

Tips on how to make full use of your talent :
1) Have a sense of humour, be able to laugh at your own mistakes;
2) Widen your perspective;
3) Make friends with people from different industry or course. That's how we can get first hands information on new issues like IT or building website.
4) Always search for information online. Search or google for new terms and apply it;
5) Be prepared to spend money on purchasing books or attending workshops. Remember, take it as an investment in the long run.
6) Have a proper schedule for your talent to be developed and monitor your activities on monthly basis or twice a year, it depends;
7) Tell your best friend your aim to be a milliaire, for instance so that he.she will remind you of your desire. it is good as a reminder and will make you a better person. make sure your friends will not laugh at your ideas. Otherwise, he/she is not your best friend, anymore!

Enjoy your long holidays this weekend.Make sure you do your revision!
Feel free to give your comments,thank you in advance.
Truly appreciate it!
Adios!

Think out of the box

2007-01-16T18:15:00.000-08:00

So good to have been able to write more articles in my blog and receive nice comments from the readers. I am so proud and happy to know that my existing students are enjoying my blog and helped some of you to increase your level of confidence in your daily life. This increases my interest to give you more and nothing less! Whatever articles that l have posted come from the bottom of my heart. To instill positive values and more valuable tips in managing your life in the campus.

Just to share my two cents opinion with you this morning, l heard Pak Lah encourages students to think out of the box. So, we must think beyond our horizon or district. If we study in Dungun, our mentality must be above whatever that are available in Dungun. For instance, if there is no such thing as producing a young man millionaire in Dungun ( except someone who have just received his RM1 million in winning TM Net contest lately), create that mental picture in yourself and strive every means just to be a millionaire at the very young age, between 25-30 year old.

Another way of thinking out of the box is if you are from accounting background, there is not a shame if you want to learn about culinary art and master it as well. Most of the times, the second interest will give more side income to us compared to our main course.So, start asking yourself from now, what are your favourite hobby that can turn into your profession later on. If you like writing, why not you begin writing now and turn it into an ebook and self-publish it online around the world. You plan to market it at Amazon.com. Your customers from around the world. You get your payment in US dollars. Yet, you still live in Dungun but your nationwide and international customers are enjoyed your product and you keep selling them another products! That’s what l mean, the way you think out of the box can create happiness and wealth in you and your family too.

Do you like my ideas? If so, please turn it into reality.

Tips on how to think out of the box :

(1) Start focusing on your one favourite hobby seriously;
(2) List your strengths and weaknesses;
(3) Identify the expenses throughout the year 2007;
(4) Get connected with the unlimited access to internet 24/7/365;
(5) Learn how to create your blog first and later your own website at the minimal cost;
(6) Learn from your friends who take IT courses and learn more tips from them. Make friend with them from now!
(7) Form time to time, increase your knowledge by keeping up to date with current news that is related with your hobby that you wish to turn into a profession in the future;
(8) Pray,pray, pray and do not forget your parents’ blessings.

If you have other interesting ideas to share with, feel free to let me know.
Gotto go, till then, see you in my class!

Thanks for the comment!

2007-01-14T06:37:00.000-08:00

I have been waiting for someone to point out the issue on why a student is unable to handle his/her own personal finance and still makes the same mistake despite the facts that she/he did a lots of reading on self-improvement books like Azizi Ali, Dr. Fadzilah Kamsah and Poor dad Rich dad ( only few authors quoted)?It seems that all the books are meant for those who have salaries and not for the students.

My initial advice to you, do not worry. You cannot be perfectionist in handling your finance. Even the most expert in finance having trouble managing their personal finance! We are still in the learning process. DO not feel regret for whatever you have read it seem does not work on you. Sometimes, it will takes years for us to master each tip as it depends on our own efforts , strong will and discipline.

First of all, allow me to identify what kind of mistakes that you have encountered? Mistakes in managing your money like not live within your means, buying unnessary items like expensive handphone for RM600 as it has embedded camera (you just use it occasionally), sent many sms to vote your favourite artists or to have few doas ( the service operator will charge normally between 50 - 65 cents per sms), making long distance phonecalls using your handphone, eating at the fast food restaurants 2-3 times in one or two months (Did l say Pizza Hut!), having expensive tudongs and brouchs which cost RM25-RM75 per piece ( it depends), branded type of persons, lending money to your friends although you know he/she will never pay you back ( it pays to be a sympathetic person), watching cinema and by doing so, rent a car for half a day (RM35-RM40), prefer to dine or breakfast outside which are costly if you calculate it on a monthly basis and do not have any side income.

(2) As your only means is through your PTPTN source or your sometimes FAMA's aid (from your parents' monthly allowance) consider it as your monthly 'salary' ( calculate how much you get per semester, say for example RM2000 for 4 months. So each month your basic income is RM500).

(3)The bottomline is you must be VERY DISCIPLINE when it comes to you money. Have a separate account at least two ( one for your education and daily expenses and the other one is for your saving and investment purpose in the future).

(4) Always :

-update your account once in every month. It will motivates you to spend less and save more.

-recyle your previous notepads and stationary that you still can use it.

-make sure you just bring RM50 (depends on the list to buy) if you wish to buy some groceries for your food storage for 2 weeks. Make sure just buy ONLY the nutritionous food like fine cereals, buy 3 in 1 sachets will be a little bit expensive but it will saves your time to prepare it early in the morning and supper at night, kismis, nuts, some chocolate (will do no harm on your body and teeth provided you brush your teeth!), biscuits like Ping Pong (it costs only RM2.50. It is cheap and crispy. Trust me. I like it!)

-withdraw sufficient money for a week or two. DO not bring too much cash in your wallet/purse as we are easily get tempted with the surroundings like in pasar malam, kedai 2 Ringgit(mind you, you will spend more than RM2, in fact RM30 for nothing!).

-Bring along your friend who does not like to wandering around. it is good to stop you from window shopping too.

-Make sure to have full stomach before you start shopping!

-Be careful with pick pocketting and do not wear jewellery.Trust me, you will fail in your bargain if you wear too many jewellery as sellers will mistaken you as the rich youg person!

-Just bring simple and worn out handbag. It works when you ask for the discount as the traders may fell sorry for you and give you the discounts.

-Make the full use of students' card like Popular card ( 3 years- 10% discount) Make sure you buy all your stationery there).

-Try having some investment that is within your means like paying RM50 annually for your personal accident (anything happen, you will get the lucrative RM50k-70k) and cover your hospitalisation. Try to search and compare which fund that will give your better coverage at the minimum payment (later you will increase the premium once you start working) like in Takaful Ikhlas ( l have reliable friend who can explain to you if many are interested) or , Prudential or AIA). For me, l have three insurances when l started working.I regret for not having it when l wa studying as the premium would be lower.

(5) DO NOT

-have your credit card yet. Just apply Debit card from Public Bank. Student is eligible to apply. It is like prepaid card. You may use it when you purchase items online or on security basis ( not carry too much cash).

-buy CD ( RM25.90 per cd is too expensive for a student). Just listen to the radio for your favourite songs. Trust me, you will enjoy listening to it just a few weeks. Then,. your interest will fade away.

The list is not exhaustive. I am in the middle of writing few chapters of my ebook on personal finance for graduates. I have fopund one (1) book so far on students' personal finance but that's too academic. Mine, is very practicable including tips on how to find good cosmetic and harm effetcs on using whittening cream for girls!

Basically, the book is based on my own observation and experience. Will let you know once it is available. Still waiting for your comments as that l make sure that the contents suit your interest.

Keep on reading self improvement books and attending seminars.It is considered as an investment in the future . Like myself so, far l have read thousand of books and magazines since university days. The word fear is not in my dictionary as l know so many things , not only law like how to create your websites and sell ot to others, convert word into ebook, taking photos and print it on my own (save a lot of money) and be IT literate. Having second and third language like (English and Arab is a good advantage). Improve you English while you are here.

No matter what, you are still the process of managing your personal finance. Do not look behind you. See what are the oportunies that can create money to you while you are sleeping (l believe some of the investment are reliable. let me check and ask for second opinion first).

Give it a try and let me know the result!

Tips on how to ask questions in public

2007-01-13T21:06:00.000-08:00

Assalamualaikum wrt. wbt. and a very good morning to everyone,

How was your weekend? Hopefully, you will attend each class today until the end of the semester with fresh mind, sweet smiling face and positive attitude to excel.

Emm, l am so happy to read few comments from my students. I am waiting for others to write to me too so that l might be able to identify which areas that interest you most. One of the comment came from group 5A who claim that his/her problem was does not have enough guts and nerves to raise questions during my lectures.You are not the only one who face the problem dear, many have. Except, they do not have the guts and nerves to even write to me like yours!So, you have gained more confidence than they are. You see, you have the ability to ask questions which is embedded skills for journalists,Aznil Hj Nawawi, reporters, Karam Singh Warya, Norzie Pak Wan Chik, Wan Zaleha Radzi and others who like to ask questions. There is no such thing as a stupid question. You may intervene the session with your question. Who knows, your question may help others who share the same boat.

For example, l asked one (1) question immediately when a presenter asked the audience during question and asnwer session. I prepared the question in advance so that l would sound confidence demanding an immediate answer. To my suprise, few of the audience are also interested with my question and begin asking more explanation! My question touched on the digital library. At the end of the session, the organiser promised to conduct an ICT session for a half day for those who are interested.Many are interested to attend.It was started from my single and direct question. Imagine if l did not ask question from the outset, no one dares to spot the question and there will be no ICT class for us to fully utilise the digital library. I felt so proud of myself because of my guts and nerves to stand up and ask question effortlessly, there is the positive impact of one question which is worth more than few thousand ringgit as the organiser will organise it for free!

Few tips for you as it works for me for years!
1) Have faith in yourself. Be confidence;
2) Practise makes perfect. Rephrase each sentence repeatedly loud and clear in front of the mirror;
3) Make sure your seat is near the microphone if it is acquired;
4) Study the content beforehand. Make some research or study the topic beforehand;
5) Make sure your friends will understand your question. Keep it short and sweet;
6) Start with asking one question just to be familiar with your loud voice being heard to everyone in the class or in the hall;
7) Last but not least; think positive about the outcome. I mean, do not try to imagine people will laugh at your question.be sure that it will benefit others, like my experience stated above.

Trust me, once you have tried all the 7 tips above, every week your legs will be shaking if you do not ask questions! So, start asking questions, for your better understanding and soon, you will be among the glamorous people in your batch!

I am also waiting your comments online. So, nothing to lose. More benefits to come.

See you in the class.
More tips to come on how to study law.Keep surfing.

Another interesting blog from our lecturer here : Feel free to surf his blog. Very interesting points of view and wisdom :

http://www.negarakumalaysia.blogspot.com

Please spread our blogs to anyone. Free of charge!

Bring out the best in you

2007-01-10T19:42:00.000-08:00

So we have entered 11 days of 2007. What have we acquired so far? I am sure the first week of lecture is not so much a burden to you. I am able to create jokes while teaching. However, it does not mean that you can take lightly for the discussion given.

Cheerish the moments you are here, as student. Being a dedicated student is a wonderful experience since you have no liability except yourself. This is the time for you to show the best talent, have the spirit of fair competition in studies and be a sport persons. Be an avid reader-writer-thinker-traveller.At the same time, gain money through jobs which not affecting your study time. Remember, no matter what, studay must always comes FIRST!

Make your parent be proud of you by showering your love and commitment to excel in studies and at the same time, not burden them with unnessary expenses.Live within your means.

I hope when you read my blog and see me in the class, will make our relationship more stronger and thus, my intention to instill more positive inputs in term of personal finance and self- esteem is fruitful. Please keep biodata form at the right place so that l may ask for it in week 7 ( another more 6 weeks from now ).

Wish to see you participate during tutorials. It shows that you bring out the best in your innerself..!

Till then, have a nice weekend.

Knowledge is crucial

2007-01-09T21:58:00.000-08:00

When we need some information, how long do you think you may find it? For instance, if you are sick and cannot be treated using recent medical approach? How about finding a solution? Collecting data is also crucial. If you come across anyone that have cured from any disease, please write your comment and give his/her details, so that by way of helping others, you life may be blossomed with happiness and gain freedom on personal finance.

For your information, my blog can be assessed from outsiders. My friend who is staying in UK is also a regular reader in my bog (when her time permits as she is busy). So,many people also may gain the benefits as well.

Be Professional

2007-01-08T00:57:00.000-08:00

Salam to all,

May Allah bless your journey of seeking knowledge.

Just now l received a call from ex-student of my colleague who wanted to talk to her. Infortunately, she was not around. Instead, she asked me whether l am a law lecturer or not. She dragged the conversation for almost 15 minutes without asking me whether l was busy or not. In fact, she forgot to ask for my name. Sound very impatient to get my view on her problem about termination of contract of service.

Then, l politely asked her to read more carefully the letter offer. She said there is no clause that satted that if the employee refuses to be transfered, it is amounting to breach of contract and the employer has the right not to pay the salary. I then asked her to review other documents that she has signed. She said no.

When l asked her where she made the phone call, she said from her home. At last, she admittedly said it is her husband's problem with his boss, not hers.(I wonder why she lied from the outset. There is not a shame to admit from the beginning)

There you see.

The way she asked for a free consultation withiut proper ethics of telephone conversation.

When you ask for an assitance, always make sure that the other party whom you wish to seek for an advice or help is in the right condition,like not in the busy manner or handling other important tasks.They have the right to refure to say NO if you ask for their help unless you ask in the proper manner.

The bottomline here is, she must always think that l am in the office in the working condition. She is comfortably at home waiting for an immediate answer without much effort from her to even ask for my name , just to show politeness and apprreciate my advices...

So, be professional in handling any task , including when you ask for a favour from someone who never meet you or whom you never even bother to know their names. Of course, that person will definately will not bother to find solution for you...

So, please learn more on the soft skills like improving your communication and telephone ethics.

Any comment..?

Till then, see you in the class!

Buying books is an investment

2007-01-06T13:30:00.000-08:00

Assalamualaikum wrt to all,

Just came back from long holiday spent in my hometown. No internet connection. So, that's why l could not update my blog for the past one (1) week. So glad to return home and prepare for today's class. Cannot wait to see new students this semester (will ask them to read my blog). So, we did not have any mid semester break. So, better make full use of the holidays to be with family and friends.

Anyway, as usual, l have lots of information to share with you. 3 days ago, l have spent Rm200 at Popular Bookstore. So many different types of books which l love to read. One of them which l want to share with you is the book entitled Perancangan Kewangan Mahasiswa , written by Mohamad Fazli Sabri, Mohd Amim Othman and two co-authors published by Gems Publications.

At he price of RM13.90 with one (1) free book on 7 Kunci Rahsia Kecemerlangan, this book is perfectly designed for undergraduates.You MUST have this book if you aim to have freedom on personal finance.Although its explanation is academic in nature based on research done since 2001 and not very lenghty explanation, nevertheless this kind of book is hard to find. That's why l am now writing a book on personal finance among youth in a very relaxing style and more practical for you to follow.So, better watch out!

So, feel free to give your comments.

Bye from now...now time for dawn prayer.

Strive for excellence!

2006-12-27T13:46:00.000-08:00

Morning to all,

Wish everyone a very happy new year.Just few days before it.

So, what's your plan besides studying?
Earn money 4 K, perhaps? Why not!You see, making money is one of the most important skills like communication, presentation or people skills.

You will make this world a better place to live if you can achieve both in studying and earning money. Yes, you can have both as long as you can divide your time accordingly and full of discipline.

Find something that you are passionate about it and willing to spend time effortlessly.

Like me, for instance, l love writing and making money. So, l find articles, books,ebooks and few writers to enhance my knowledge in order to become an author of my own book.

Discard irrelevant topics which can hinder your progress and will make you confuse too!

For example, i just consentrate on getting some information to publish and write books and not on something else like doing survey or enter MLM as this will make me confused as the information over the internet are enormous...

So, stick to your main interest and go ahead!

Happy Aidul Adha & New Year 2007

2006-12-25T19:59:00.000-08:00

Salam to all,

Spent holidays with family. My kids love when l am around! Have learnt lots from them especially about patient and full of stamina!

I am sure all of you have received the results a few days ago. How was it? If you are smiling until today, well congratulation!But if you received not so well result and still crying...well do not give up.

You have so many opportunities out there. At least , it is not the end of the world. You have so many potentials, which some of it unrealized. So wake up and do something useful.

Stop wasting your time. Create your wealth begins with the fresh mind.

Rule #1 : Think positive and think BIG.
Rule #2 : Brainstorm your ideas . Put into writing.
Rule #3 : Do some research.
Rule #4 : Schedule your work accordingly
Rule #5 : Passionate about your work.

Will explain when time permits.

Gotto go...See you around in the campus!

2006-12-19T20:27:00.000-08:00

Author: Stephen Covey
Discover the 90/10 Principle.

It will change your life (at least the way you react to situations).
What is this principle? 10% of life is made up of what happens to you. 90% of life is decided by how you react.

What does this mean? We really have no control over 10% of what happens to us.
We cannot stop the car from breaking down. The plane will be late arriving, which throws our whole schedule off. A driver may cut us off in traffic.
We have no control over this 10%. The other 90% is different. You determine the other 90%.

How? ……….By your reaction.
You cannot control a red light. but you can control your reaction. Don't let people fool you; YOU can control how you react.

Let's use an example.
You are eating breakfast with your family. Your daughter knocks over a cup of coffee onto your business shirt. You have no control over what just happened.
What happens next will be determined by how you react.
You curse.
You harshly scold your daughter for knocking the cup over. She breaks down in tears. After scolding her, you turn to your spouse and criticize her for placing the cup too close to the edge of the table. A short verbal battle follows. You storm upstairs and change your shirt. Back downstairs, you find your daughter has been too busy crying to finish breakfast and get ready for school. She misses the bus.
Your spouse must leave immediately for work. You rush to the car and drive your daughter to school. Because you are late, you drive 40 miles an hour in a 30 mph speed limit.

After a 15-minute delay and throwing $60 traffic fine away, you arrive at school. Your daughter runs into the building without saying goodbye. After arriving at the office 20 minutes late, you find you forgot your briefcase. Your day has started terrible. As it continues, it seems to get worse and worse. You look forward to coming home.
When you arrive home, you find small wedge in your relationship with your spouse and daughter.
Why? …. Because of how you reacted in the morning.
Why did you have a bad day?
A) Did the coffee cause it?
B) Did your daughter cause it?
C) Did the policeman cause it?
D) Did you cause it?

The answer is "D".
You had no control over what happened with the coffee. How you reacted in those 5 seconds is what caused your bad day.
Here is what could have and should have happened.
Coffee splashes over you. Your daughter is about to cry. You gently say, "Its ok honey, you just need to be more careful next time". Grabbing a towel you rush upstairs. After grabbing a new shirt and your briefcase, you come back down in time to look through the window and see your child getting on the bus. She turns and waves. You arrive 5 minutes early and cheerfully greet the staff. Your boss comments on how good the day you are having.

Notice the difference?
Two different scenarios. Both started the same. Both ended different.
Why?
Because of how you REACTED.
You really do not have any control over 10% of what happens. The other 90% was determined by your reaction.
Here are some ways to apply the 90/10 principle. If someone says something negative about you, don't be a sponge. Let the attack roll off like water on glass. You don't have to let the negative comment affect you!
React properly and it will not ruin your day. A wrong reaction could result in losing a friend, being fired, getting stressed out etc.
How do you react if someone cuts you off in traffic? Do you lose your temper? Pound on the steering wheel? A friend of mine had the steering wheel fall off) Do you curse? Does your blood pressure skyrocket? Do you try and bump them?
WHO CARES if you arrive ten seconds later at work? Why let the cars ruin your drive?
Remember the 90/10 principle, and do not worry about it.
You are told you lost your job.
Why lose sleep and get irritated? It will work out. Use your worrying energy and time into finding another job.
The plane is late; it is going to mangle your schedule for the day. Why take outpour frustration on the flight attendant? She has no control over what is going on.
Use your time to study, get to know the other passenger. Why get stressed out? It will just make things worse.
Now you know the 90-10 principle. Apply it and you will be amazed at the results. You will lose nothing if you try it. The 90-10 principle is incredible. Very few know and apply this principle.
The result?
Millions of people are suffering from undeserved stress, trials, problems and heartache. We all must understand and apply the 90/10 principle.
It CAN change your life!!!
Enjoy….

Take time to help someone else

2006-12-18T23:54:00.000-08:00

If you want to feel good about yourself, try helping someone else.

Some of the happiest people l know are those who love helping others they could not bothered to fret about their own problems.

I admire a friend of mine (whom l promised to send her draft of her story before l can publish it online-which l have not sent yet) she likes helping others, including myself. l have learnt a lot about life from her.

Whenever you are and whatever you do, always bear in mind that by helping others, your confidence will increase and it shows on your bright face.

Look around you, every person you see has a need of some kind.If you can help only one, even more, you have made a difference.

(Reference : Success Secrets by Douglass Merrill, a common sense guide to lifelong achievement, 2002)

Post mortem 2006

2006-12-17T20:08:00.000-08:00

Assalamualaikum wrt. to all,

I am happy today as have planned earlier to finish several tasks and have it done before noon.Foregt to check my son at Taska. Will pay a visit to his place tomorrow. Normally, once in a month l will go to nursery just to 'spot check' what's happening there.

Next, the issue today is about muhasabah or post mortem 2006 and welcome 2007. Usually, each and everyone of us has a resolution to begin with.We only have 13 days left before 2007. Before we are excited to write lists of our aims, let's look at our previous resolution in 2006.

What have we achieved? Let's say, out of 7 aims,how many have we scored? What the unreached goals we have not got it? What are our pitfalls?

These questions are important as we do not want to repeat it twice. So, next year means you will start afresh with good attitude and well planned activities to make you a successful person.

I personally dislike when l asked someone "What is your ambition?" Replied with "To be successful person." The word "successful" is so general and vague as not specific in achieving it. Unless you specifically mention "I wish to score 3.75 in my CGPA next semester ." or "Besides studying, l wish to generate 4k monthly income" or "I wish to be a millionaire before l turn 25, you will end up getting the same and old excuse "not yet the time".

You plan from the outset. If you wish to score 3.75,you have prepered a selected subjects that you can score and which subjects you have difficulty.For the latter subjects, you will put more efforts as not to jeorpardize your target. This will make you focus and determine to excel.

If you wish to gain personal income besides studying, you must make sure that extra job will not deviate your attention from studying. In fact, this will make you more diligent and hardworking. You will cheerish every second and cannot afford to waste any more time.

Remember the basic principle to enjoy personal finance is to minimize risks and to maximize profits.

What are your opinions?

Be Proactive!

2006-12-16T07:08:00.000-08:00

May all of you be in happy mood and good health.So what's up? Any great idea that you have written on a piece of paper and think about it seriously? If you do not have any activity,why not you join any internet workshop that will benefit you in a long time.

Grab the opportunity...once you have aimed to achieve something, then the next thing is to start cracking! Learn new techniques and implement it. For instance, if you are a slow typer, why not start taking technique on speed typing.If you are interested in building your own website, why not you start reading on its manual or attend the workshop? It is worth the money spent.

Think about it as an investment. Always on the move will give you a proactive attitude that will increase your level of confidence. This is why my blog is created...To create your awareness and be an eye-opener...

Now, what do you think? What is your next step?

Reach your ultimate goal !

2006-12-14T13:52:00.000-08:00

Salam to all,

Today is Friday. How to reach your ambition? By meeting deadlines. Try to review strategy on a weekly basis.Discipline yourself to start working early in the morning if you are a morning person. If you perform better during the night, so start your work early.

Follow the schedule. Focus on your work and nothing else matter. If you set each session to last for 30-45 minutes daily from 9 am-9.45 a.m., that's your working time and no one can disturb you even one sms or attend one (1) call unless it is of urgent or emergency basis.

Be persistent in your work and analyse in your free time. For instance, if you aim to finish one assignment within 8 weeks. From the outset, prepare a detailed schedule in a weekly basis and follow the daily timetable without fail. Do not procastinate (Please refer to my earlier post).

By all means, there is nothing impossible like getting rich at a young age!

What is your comment? I do not mind if you wish to write in Malay. Truly appreciate your concern. Let us exchange our views so that we can improve ourselves.

Unleash Your Confidence

2006-12-13T17:18:00.000-08:00

Assalamualaikum wrt. everyone,

I have not emailed to all my students about this blog. When time permits, l will inform them. What are you doing now semester break ? Staying at home, watching Bawang Putih Bawang merah sinetron on TV3 and nothing beats the comfort of watching tv while enjoying a cup of tea!

Have you noticed that when you return to college/university, you became so passive,moddy, slow type of person and refuse to talk to anyone especially to unfamiliar faces ( due to no activity of intellectual discourse at home)? I mean the way you think of yourself, the way you walk , the way you talk and the way you perceive others? The big "C" is the performance key. Confidence. Have you reflected it in in your daily activities? For instance, when someone asks a question indirectly, do you have the guts and nerve to express your view although yours might be unpopular view?

So,here everyone,speak up. That's how you can unleash your confidence. You do not have to wear excessive make-up or buy the latest cosmetic product (like the tagline in one of the cosmetic product locally) just to stand out from the crowd.

Just do it in your own way and according to the custom but be polite please. You do not have to shout or scream or force everyone to agree with you. Just be yourself. Have you heard people always compliment a charming lady "When she talk, everyone listens." "You cannot defeat her". She is not that pretty but she has the aura that makes everyone pays attention to her whenever she goes. She does not wear expensive clothes. She stand out from the crowd as she can beat anyone with her eloquent speech, positive attitude like persistent, discipline, determination and has high self esteem.

So, what level of confidence you acquire now? How to achieve it? By doing something that can inhance yourself not others. teenagers at present they like to make others popular like Mawi, datuk Siti Norhaliza, Fiq Mentor ( so far l have not spent one single cent on voting them as my money is for me and for them) and others (they will get huge benefits financially and popularity but what do you get? Only a smile occasionally on tv and magazines and shake hand (only if you are lucky to meet them in person and take photo with them for two minutes (their time is precious. But what about yours!)! Only after you have spent your money first and they receive your money and be rich - NOT you!) So, have you ever thought on how to make yourself popular among small community like in town or small village and make money out of it!

So being so fanatic about certain artist until you are willing to do anything for him/her will eventually make yourself be at the losing party financially and gain nothing except enjoy few minutes with no spiritual enhancement,whether you realize it or not.

I just give one clear example, when you are asked to vote one particular artist via sms ( 1 sms costs up to between 50-65 cents ) in an entertainment show, you will spend few bucks or even hundred just to make sure that he/she got the place. But wil that make you a better person?NO. Of course you do not mind to spend RM100 as it is your money. But, if RM100 is spent wisely on purchasing one or even two very good books on self-improvement or motivational stuffs and you can save it as the books cost RM50 and set aside RM50 for education fund , would not it be great? At the same time, you feel great about yourself as you gain knowledge once you read the book. it inspires you like Dr. Tuah's book which costs only RM10 each (certain books like Nak ke tak nak?). At the same time, you will get the dividend at the end of every year. So, your money grows. You will feel good about yourself. Does it mean it boosts your self conficence?

If you like to attend seminars. There are many workshops being conducted during semester break like Kem Bina Semangat/ Camp / Motivational Courses and courses on Speed reading and internet marketing courses.

These workshop are beneficial. Even you will spent few hundred for certain workshops like Dr. Irfan Khairi's internet workshop, Dr. Syukri's short courses on study skill, it is worth the price. When l was a student, l am used to spend RM350 just to buy kit on speed reading and it works. Until now, during my busy hours, l managed to find time to read long articles and write 4 -5 pages in less than 20 minutes ( still need to edit for typing errors!)

So, use your money wisely. Always ask yourself when you purchase product or service, will this product or service will make myself good in term of self-confidence in a short/long run?

If the answer is positive , then never turn back. Purchase it immediately. But, if the answer is negative and will make the other person receive the benefit and NOT you, so do not buy it.Unless, you do not mind with what i said.This is only my two cent opinion.I receive no money or benefit from you but you are the one who will gain the benefit. Only IF you practise it!

Stand up and do the talking, make sure do it at the right time and at the right place!

Next issue - on Achievement.

The World is Flat

2006-12-12T18:49:00.000-08:00

(My article was published in Buletin Akademik, Issue - Disember 2006)

During my confinement period, l read book titiled The World is Flat by Thomas L.Friedman which I bought it 2 days before my expected due date. I love his writing since my school days like From Beirut to Jerusalam. He is the Pulitzer Prize winning author and columnist for the New York Times. His writing are full of facts and l enjoyed it although some of his ideas l may not agree with him.

I wonder how many of students have read his books. His articulate manner attracts me to discover that there are ten forces that flattened the world. Many of them have spent their money buying unnecessary accessories like gadgets handphone with built-in camera.

So, students must equip themselves with informed knowledge and good attitude. When they attend the interview, they must ensure to have positive outlook, dress to kill and convincing ideas full with general knowledge and IT literate.

Actually, the employers will not judge us how far we remember subjects taken in the class. In fact, they are actually interested to find out whether we are able to communicate effectively, know how to handle telephone ethics, able to work extra time beyond normal office hours, do basic tasks like typing formal letters effortlessly, less create tension to the boss and multi taskings.

One General Manager whom I met and has conducted several interviews with local graduates will expect that the candidate will be able to demonstrate more than what he expects like willing to work over time, prepare to work during the weekend ( when urgent tasks need to be settled), quick in handling normal office tasks like preparing cover letters by themselves, liaise with other staffs and do some marketing.

From my own experience as a legal practitioner before l became an academician was when l was attached with the Corporate Department, sometimes l was asked by my ex-boss to follow him attending client’s meeting, attend court’s matters (Litigation) and prepare of Sale and Purchase Agreements for conveyancing matters. In between my heavy tasks, l must do some marketing with new and prospect clients besides dealing with existing clients who were unpatiently wait for nothing but only good news. By the time the clock struck 6 pm, l was still in the office finishing legal opinion to be faxed to overseas client that night!

Furthermore, he wants someone with human touch, be able to anticipate people’s feeling, know what to react at the right time and be able to laugh at our own fault. Do not take seriously for his constructive criticism and please do not cry when the boss throw away his tantrums. Just stay cool, relax. That’s why you got the job and stay in the company unless they do not pay your EPF! Make sure your boss will think of you when you are away. Out of sight does not mean out of mind! Do something creative that will eventually make him appreciate your present and that’s the recipe to stay long in the private sector only if the pay is good. Otherwise, do not limit yourself and try to do some job hunting secretly and not disturb your job performance.

Till then, keep reading my articles!

Just do it!

2006-12-11T21:29:00.000-08:00

Sometimes, when we have ideas, do we write it on a piece of paper or just note taken! When we are still young and have no or less commitment, why not we try something new and challenge ourselves?

For instance, the idea of having my own blog is due to enormous emails which l sometimes could not personally reply to them often. So, why not l collect the inquiries and put my thoughts on the blog so that not only the noble intention to help only one individual but also , who knows, there are few people out there who share the similar problem will get the benefits as well!

Be nothing and do nothing. If we are afraid of being critisized, then just let the idea be slipped away and never come back! Having a blog also demands my committment and time to update it on a daily basis ( It also a challenge to me!)and to make sure that the contents are not dull or boring to read so that many will enjoy (yawn!).

Next,guess who sent emails to me which make my feeling so high today!
Will share with you later.

Sorry no tea tarik coupon for correct answers!

2006-12-11T00:17:00.000-08:00

I received so many emails from my ex-students. I am so grateful to receive their emails plus Aidilfitri greeting cards . They keep informing me about their progress and recent news. Not forgetting their problems to sharewith! That's good. At least , l have won their trust.Unfortunately, due to time cosntraint, l am not able to reply personally to their inquiries. What can l do here is to ask them to refer to my blog and hopefully their problems will fade away.

Eventhough they are enjoying semester vacation. We, as lecturers are not! During this time is crucial for me to complete my research,writing and prepare three (3) codes for lectures / tutorials to be taught for next semester 2007. In between, there are seminars and short courses to attend.Also, l do some housekeeping in my folders (desktop) and what's not on top of my desk need to be cleared from unnesessary items and unwanted rough papers (I have been away for 2 months due to my maternity leave)!

Feel free to give any comment and view which l wish to thank you in advance for reading my articles. You may promote my blog to others who may not be my students but nevertheless, they can receive the benefits and enjoy reading the said articles.

Hopefully, l can update it on a daily basis and give my views on certain topics which are of your interests as students in two(2) areas which l have specially stated on top of my blog that are on personal finance & self-esteem.

May Allah bless our efforts...Please pray for my health and happiness!
Til then, enjoy your semester breaks!

Recall old memories...

2006-12-10T10:34:00.000-08:00

In my third year of LLB, l was invited to be a panelist in several tv shows like Moving on Two (TV2)Selamat Pagi Malaysia (RTM-TV1) and Prisma (RTM-TV1). First time facing the camera did not make me nervous. In fact, l enjoyed it and was excited to express my views on the chosen topics.

My first experience was in Moving on Two. The director was a lady. Her name is Puan Noorul Ashikin. Until now, l still keep her name card. I remember received a phone call from my President of Students' Representative Counsel (SRC) who informed that the producer wanted a female representative to be a panelist in a tv show.At that time,l visited my late father who was admitted to the hospital due to heart attack. At first, l was reluctant to go as worried about his health condition.

But when he gave his green light and approval for me to attent the talk, l went.He was so proud when he watched me on air from the hospital. The topic given was on youth's development. The other panelist was Prof. Dato' Dr. Zainal Kling from University of Malaya and the moderator was Mr. George Miranda.I did not want to talk about the outcome of our discussion. What can l say was that l really enjoyed the discussion in front of the camera though at first, l felt a little bit nervous as he was an expert on his field while l was just , at that time a young, fresh and immature undergraduate!

Nevertheless, we were paid to be on air. After a while, l was addicted to be on air. So, within 4 months l was invited to 5 different programs including NTV7 ( intellectual discourse with Wan Zaleha Radzi and several teenagers from different universities and colleges). l collected almost RM1000! During that time, the money was really good. Just be on air for half an hour and you will be paid for RM150 or more! What more. people will recognize you. This is the high time to generate income besides fan collection,hehe!

What did l use the money. For saving purpose which later l converted into an investment. WHat more,al-hamdulilAllah obtained 2nd upper for LLB (Hons) , l managed to convert loan into a scholarship, so l did not have to pay for RM17,500 to MARA. There you are, l did save few thousand bucks for it.

My point here, try every means to maximize your profits and minimize your risks/loss. Then, you will enjoy freedom on personal finance.

Do not forget to live within your means!

It is easy to say, hard to practise, what do you think!

Avoid Procastination

2006-12-09T18:08:00.000-08:00

Salam to all.

I am here, in front of my pc at 8.15 a.m. after sending my kids to nursery. I submitted article for journal publication this morning to editor . Hopefully my article will be published in the Journal Article 2007.

Whatever you plan to do, do it immediately and do not lose hope. Discipline and persistence are two key words that will bring you anywhere that you wish to be.

Last minute study is the example of being procastinated. Especially when you study subject which has nothing to do with your main core subjects, you have to give special attention to it. For instance, an accounting student who use to calculation and figure might not like the reading subject like Business Law or Company law. No matter how good you are in certain subjects,it does not mean that you are also good in other subjects.

So, early bird does make a difference.We must start doing thing swhich we dislike and followed with the things that we like and good at. For example, if we are good in mathematics but poor in economics, So, we do the revision in economics first and later do exercises in math.

So, that's how we can avoid the negative attitude of procastination.

Till then, enjoy reading.
Have fun!

The Power of Faith

2006-12-08T10:36:00.000-08:00

It was Friday yesterday, a public holiday in Terengganu. As usual, l was occupied with handling my kids frantically, my three year old son and his sister, a three month old baby. My husband was away for an out-station in KL. So hectic schedule as my son is very active and vibrant!So, that's why l did not post message yesterday as l could not even open my laptop just to type a few paragraphs.So regret could not even update my blog especially during weekends.So,l woke up at 1.30 a.m. and after performing isya' prayer, l begun to surf, could not waste any more time , before they wake up.

If you have no commitment except studies, so use this goldon opportunity to read and write a lot. Sometimes, like myself, l need to wake up at 2 or 3 a.m. just to be able to read my favourite books on self-improvement or do research on some interesting topics like Biotechnology & Ethics and Halal Product/hub.

My favourite authors like Dato' Dr. Hj. Fadzillah Kamsah, Azizi Ali, Dr. Irfan Khairi (went to his internet seminar and it was great. You should try it!) and Robert S. Schuller. During my university days, l used to read books by Robert S.Schuller, author that wrote "Be Happy" (cannot remember his name at the moment),Tony Buzan on mind mapping and dozens of novels while enjoyed my hot cup of coffea and pastry! It was my enjoyable moments those days.

Anyway, when you have settled down, you have to choose the appropriate time and discipline yourself as workloads are enormous. So, as student, your free time is regarded as your way to create wealth as in order to be rich not only you need to have lots of money, but also you need to enrich your innerself with knowledge, self confidence and dignity.It is called nutritionous food for your mind and soul.

When we have acquired certain knowledge, our confidence will be at the high level, we are not easily be intimidated with people's bad opinions against us and will find ways to improve our social relationship with others. Now, that's we call a smart person. No a stupid person but cant think of his/her own . Yet so hard to be taught (Like an old malay proverb says : Bodoh sombong or Bodoh tapi tak boleh nak diajar).

By that time, self esteem will come into the picture. I am used to have my certain principles of life been posted on my noticeboard so that everyday before l went to lectures/tutorials or met my friends, the words would trigger my thought and that's what make me a firm yet persistent person at present.

I post you a question, do you have what it takes to have a high self-esteem and have freedom on personal finance? When l asked few students"Do you have the weekly dose of inspiration 1 and/or 2 that can be put at your desk and be read many times daily at any time without hassle? No or silence will always be their answers. Imagine,you can spend RM30 or RM50 just to top up your credit on hand phone yet you never cross your mind ot buy something which costs only (during my time less than RM25, MPH outlets), bought once and it is everlasting!

The said Inspiration calendar is go great to read it every day though it is claimed Weekly Dose of Inspiration. It has meaningful garphic designs with appropriate words quoted from famous persons like Henry Ford, Andrew Carnegie, John Maxwell, Abraham Lincoln, B.C. Forbes,Mahatma Gandhi, Michealangelo, Helen Keller and many others (Just to name a few).

The golden rule on self-esteem , enrich yourself with knowledge. How to reach it? By reading, reading,reading and writing. How to write if you know nothing about the stuff that you are planning to write and let others to read it?

Before l leave, l would like to quote proverb taken from my soon to be 4 year old Weekly Dose of Inspiration 2 -The Power of Faith

It's so important
to believe in yourself
Believe that you can do it,
under any circumstances.
Because if you believe you can,
then you really will.
That belief just keeps you
searching for the answers.
and then pretty soon you get it.
(Wally "Famous" Amos)

Till then, keep reading!
Adios...

Early Bird!

2006-12-06T12:46:00.000-08:00

Assalamualaikum to everyone out there. Feel great to wake up at 4 am this morning, prepared some dishes for family's breakfast. While waiting for a good cup of nescafe, l surfed the internet and discovered new interesting sites for internet business. It is fun to find out new websites to discover their ways to earn money.

Wish that l could be just like you , in a university days so that l may have ample time to surt some interesting websites and gain money. This is my intention, to share good and reliable news to you.Different sites offer different purposes. For instance, I have joined www.ummikusayang.com as l have kids to share some good tips on parenting skills.

Also, some affiliate programs that l will let you know later.The point here... are you interested in becoming netpreneurs? My blog is specifically catered for those who wish to upgrade themselves in term of personal finance and boost their self-confidence.

After l attended few meetings yesterday regarding students' performances in examination, l realized that those who fail in their papers are those who have low self esteem and have financial problems which have led to poor consentration in studies.

I felt sorry for them. If only they have been exposed to the right way to get rid of these two factors, success will be theirs.Now, l am writing a book for this purpose. Hopefully this will help all of you.

So, make sure grab a copy, will you!
Have so much to share with you. So keep reading my blog on a daily basis!

Warm regards!

2006-12-05T19:23:00.000-08:00

Hi every1? How's life? Life is not such a bad idea,huh! Being alive is the most precious thing nowadays. Everyday we read such a terribble,tragic accidents and sudden deaths unexpectedly.

Nevertheless,we must live up to the fullest. I begin new chapter here today to have my own blog to give a my worth 2 cents of opinions regarding personal finance + self-esteem.My aim is to provide assistance to my respective students who surt the internet to read my thoughts and exchange their views.

You see, as an academician, l cannot help myself but to create this blog in order to keep in touch with my students and also those who are interested to read my next articles and views.

Till then, will keep you posted...
Keep in touch!