Mahukah Anda Keluar Dari Rat Race ?

Hari ini banyak orang jual alat senaman yang tidak perlu bergerak banyak.

Lari setempat sahaja. Atau letak dua-dua belah kaki atas alat tersebut dan badan bergoyang-goyang.

Berkesankah? Saya pun tak tahu. Cuma saya lebih suka keluar berlari di taman-taman. Kita juga dapat melihat dan mengalami sendiri banyak perkara menarik apabila kita keluar dan berlari.

Dalam urusan duit, perbuatan lari setempat, yang nampak macam berlari tetapi sebenarnya tidak berlari ini kita namakan ia sebagai rat race. 

Rat race ini adalah situasi di mana kita tidak boleh keluar dari pekerjaan makan gaji / bisnes kita sendiri. Ia berlaku kerana kita tidak mempunyai pendapatan lain selain dari gaji yang kita terima setiap bulan. Bagi orang bisnes pula, kita tidak ada sistem yang membolehkan kita melantik seorang CEO yang dapat membuat 100% keputusan untuk bisnes kita.

Kita membayangkan dengan mendapat kenaikan gaji atau pangkat sahaja dapat mengubah hidup kita. Namun sebenarnya ia tidak membantu sama sekali. Kita masih perlu bangun awal pagi, meredah kesesakan lalu lintas, masuk pejabat, mesyuarat sepanjang hari dan balik ke rumah pada larut malam. Balik rumah, anak-anak telah tidur.

Apa yang berbeza barangkali gaji, kereta dan rumah yang lebih besar. Pada hakikatnya kita masih masih di tempat yang lama. Kita masih berlari dalam bulatan yang sama. Cuma makin lama semakin laju dan akhirnya kita kepenatan, bosan dan tidak bersemangat.

Situasi ini sama seperti seekor tikus belanda (hamster) yang berlari dalam kandang lariannya. Cuma yang berlari adalah kita.

Tidak semestinya kita perlu berhenti kerja untuk keluar dari rat race. Apa yang penting kita ada pilihan apabila sampai masa kita perlu membuat pilihan kelak. Mungkin pelaburan kita akhirnya telah cukup untuk keperluan persaraan lebih awal dari sasaran sebenar. Siapa tahu masa depan bagaimana, bukan ?

Jadi kita perlu ada perancangan yang baik untuk keluar dari perlumbaan ini seawal mungkin, atau, memilih untuk berlari dalam tempat yang kita suka sampai mati. Ya, kita ada pilihan dan bukan kita tidak punya apa-apa pilihan.

Hutang Tanpa Sedar

Mahukah kita tahu bagaimana kita dapat mengumpul hutang tanpa sedar?

Ia telah pun bermula sejak hari pertama kita menjejakkan kaki ke kolej dan universiti.

1. Hutang pendidikan

Majoriti daripada kita perlu berhutang dengan PTPTN hanya untuk mendapatkan segulung diploma atau ijazah. Maka habis sahaja belajar kita telah pun menanggung hutang sehingga RM 50,000.


                                                       2. Hutang membeli kenderaan

Habis sahaja belajar kita pun mencari kerja. Alhamdulillah dapat kerja.

Selepas beberapa bulan bekerja, kita pun mula mencari kereta. Maklumlah, sudah mempunyai kerjaya. Mana boleh seorang pegawai pakai motor. Cari kereta pula tak main lah sekadar Proton dan Perodua. Maklumlah _______ (isi tempat kosong sendiri).

Akhirnya, ada hutang membeli kereta melebihi RM70,000.






3. Hutang kerana perkahwinan
Semasa belajar, sudah menggatal mahu berpakwe-makwe.

Maka tak boleh tunggu lama-lama, lebih-lebih lagi jika pasangan sebaya. Sedangkan kita baru sahaja mahu memulakan hidup.  Sedangkan perbelanjaan untuk membuat majlis perkahwinan pada hari ini amatlah besar. Kos majlis perkahwinan hari ini dapat mencecah RM 50,000. Hantaran sahaja dah lebih RM 10,000!

Campur urusan mahu berbulan madu di luar negara, akhirnya kedua-dua pasangan berhutang pembiayaan peribadi RM 100,000 bersamaan RM 50,000 kita dan pasangan baki lagi RM 50,000.

---

Aduh pening kepala.

Tak sampai 3 tahun bekerja sudah ada hutang nak dekat RM 200,000. Nanti bila isteri mahu bersalin, berhutang lagi sebab mahu bersalin di hospital swasta.

Ini belum campur hutang nak beli rumah. Nanti dah beli rumah ada kos lagi, kos renovasi rumah! Maklumlah rumah kan 'pelaburan' paling besar.

Kita tidak rasa bersalah membuat hutang banyak-banyak ketika usia masih muda. Kita rasa perbuatan ini normal sebab orang lain pun buat perkara yang sama. Jadi apa salahnya berhutang sebanyak itu, bukan?

Maka jadi lah kita dalam golongan yang normal, mempunyai hutang lebih dari sepatutnya. Manakala orang kurang normal pula, kerjanya mengumpul harta seawal mungkin dalam hidup dan kurang mengumpul hutang pada usia muda mereka.

,Anda mahu kumpul harta atau kumpul hutang?

Sila dapatkan tips & strategi untuk menguruskan hutang dengan bijak melalui Panduan CashFlow. S

Money management or Pengurusan Duit

Saya nak kongsi 4 nasihat dari Tuan Ramit Sethi, seorang pakar & penulis dalam bab pengurusan kewangan peribadi di Amerika Syarikat. Saya rumuskan 4 perkara tersebut dengan suasana Malaysia.

1. Bertindak adalah lebih penting dari menjadi pakar

Barangkali kita belum ada pengetahuan secukupnya dalam ilmu pengurusan kewangan. Tidak mengapa. Itu tidak menjadi masalah. Kita tidak perlu tunggu jadi pakar baru dapat menguruskan kewangan. Tak perlu ada satu plan yang lengkap baru mahu bermula. Tak semestinya dah tahu 100%.

Apa yang kita perlukan adalah memulakan langkah pertama. Take action. Jika tersalah sekalipun, ia adalah jauh lebih baik dari langsung tidak bergerak ke mana-mana.

2. Ia adalah OK jika terbuat salah

Selepas kita bertindak, sudah tentu kita ada tersalah langkah. Ia adalah sesuatu yang tidak perlu dimalukan. Rugi, tidak bermaksud gagal.

Solusinya adalah bertindak awal, ketika usia masih muda, dengan duit yang sedikit jika tersalah sekalipun, kita telah tahu cara untuk mengatasinya. Apabila duit dah menjadi lebih banyak nanti pada usia yang lebih matang kita telah tahu cara yang betul.

3. Orang biasa, buat perkara yang biasa-biasa

Pada 2011, secara purata di Malaysia, baki hutang kad kredit adalah RM 3,500 untuk satu kad. Kenapa kebanyakan orang di Malaysia mempunyai hutang terkumpul sebanyak itu untuk satu kad kredit?

Sebab orang biasa-biasa selepas swipe kad kredit, mereka tak terus bayar habis. Orang yang luar biasa, lepas pakai kad kredit, terus bayar sampai habis. Jadi mereka yang buat perkara luar biasa macam lepas pakai kad kredit terus bayar penuh, pasti tidak mempunyai hutang kad kredit. Berani untuk berbeza dari orang biasa-biasa.

4. Simbol vs harta

Tuan Ramit Sethi menggunakan istilah sexy vs rich.

     VS        

Ya, ramai orang tertarik dengan perkara sexy, bling-bling, sesuatu yang menjadi simbol kemewahan sahaja seperti kereta, jam tangan mahal, kasut dan baju berjenama, rumah kediaman yang besar. Tapi itu adalah simbol sahaja dan bukannya kekayaan. Kekayaan yang sebenar dalam Islam adalah kekayaan itu dapat kita zakatkan. Simbol-simbol kemewahan hanya menghabiskan harta yang sebenar.

Biarlah kita nampak miskin di mata orang lain, dari berpura-pura jadi kaya dengan mempamerkan simbol-simbol kemewahan.

Dota 2 Tips

                                                               TIPS FOR NEWBIE


1, Never fight uphill

A classic noob mistake is fighting an opponent who is on higher ground. You are missing 25% of your attacks while you can hardly see anything due to the fog of war. While on the other hand, your opponent, who is on higher ground can see you and knows that 1/4 attacks of yours are gonna miss. Never give that advantage to an enemy. Always be on higher ground or avoid the fight.


2. Detection items

Staying hidden or exposing hidden units is a big part of this game. I have seen games turn around with a well used smoke or dust. So what are they? Smoke hides you and all units around you for a period of time, and dust exposes hidden units. Dust is just like sentry wards, just lasts less longer and is more mobile. If you are playing against highly mobile invisible heroes, buy dust and expose them before they kill your team, if you are losing or want to surprise the enemy, smoke your team and go in. Just remember attacking something breaks the smoke spell or if you get too close to an enemy tower. Smoke also gives you a movement speed bonus. Smoke is most useful if you want to go to Roshan undetected as its almost always warded and smoke bypasses wards. Since we are on the topic of avoiding the enemy, if you are running away with low health from the enemy, just run in a zigzag motion across the jungle, never in a straight line.


3. Make tower stop attacking you

I mentioned before that having illusions allows you to tower dive if the tower goes after the wrong hero (i.e your illusion), but how do you fool it? You may ask. Well here is a neat little trick, when the tower is raining destruction on you, just right click a creep which is close by, or an illusion of yours or if you are feeling particularly evil, another friendly hero. The tower will just redirect fire towards it. This is not a glitch or something, it’s a feature. Even with creeps, if they are attacking you, just right click your friendly creeps and the enemy creeps will focus on them instead of you. This little trick saves lives. Also you should know that first tier towers don’t have backdoor protection, meaning you don’t need your creeps near it to destroy it. If you see a low health tower, just go and finish it off, don’t wait for your creeps or for an enemy hero to deny it, yes you can deny towers too. It makes you lose that nice bonus gold your whole team gets. Lastly barracks (short form is “rax”) are a priority, destroy the enemy rax and your creeps will upgrade to “Mega creeps” gaining more health and damage. Makes the game much easier.


4. Wards and courier

If your team doesn’t buy a courier and doesn’t ward, you’re probably gonna lose. Even if you aren’t a support but your team doesn’t buy a courier just suck it up and buy it yourself. Here is a little trick with the courier, you don’t need to go to the base yourself to spawn it. Just buy it while you are in the lane and right click on the courier and drop it from stash. Now anyone can just go to base and spawn it for you, and considering how your team was reluctant on buying one in the first place, its going to be very soon. Now for the wards, they last for a limited time so they constantly need to be replaced. You need to know what is going on in the river and the jungle because they are big blind spots. Without wards you are just asking to be ganked. To ward just buy them and place them on the giant eyes you see. A ward near Roshan is also essential mid game (or early game if they have an Ursa, as he can do a very early solo Roshan, with the right items).

And if you are laning against heroes who go invisible, buy sentry wards ASAP. Sentry wards can also “see” enemy observer wards which you can then swiftly remove, or just keep them there and fool the enemy into thinking you are stupid. If you lose a tower, place an observer ward where the tower fell just to know whats going on beyond your field of view. Also you should know that your field of view is reduced drastically at night time (except for a few nocturnal heroes). Lastly placing wards in the enemy jungle, will not allow the jungle creeps to spawn, hurting his early farm capability. I will go into detail about the best places to put sentry wards in the jungle in another guide.

5. Rune control

Runes are awesome, they cannot be underestimated. They give you a significant edge in battle. I won’t go into the details for each type of rune because its pretty intuitive, I just have some tips for you. Firstly they respawn every 2 mins, keep an eye on the clock. Also keep looking at the map if you have wards in place (more on that in the next point), its also important to know if your lane enemy has picked a rune. If hes glowing blue, get the hell out, he has double damage. Also you can bottle a rune for later use, by bottling which means that when you have a bottle, and you pick a rune it gets stored for later use. It also refills your bottle. Just remember that the rune expires in a few minutes and if you don’t activate it it will just activate automatically at a certain time.

Illusion runes are worth mentioning, they give you two clones of yourself. Use them for scouting other lanes and for fooling the enemy into attacking them. They are also pretty strong and if you have orb effects they will apply to them too. Another advantage is that they allow you to tower dive (going right under the enemy tower for a kill), as they buy you time since the tower will probably attack the wrong hero, if not there is a way to fool the tower (more on that later).

6 Know your role!

Every hero has a role to fulfill in this game, and if anyone fails to do it, your team will have a bad time. Now the main important roles are carry, support, mid, and ganker. The ganker goes in a gang and kills and harasses the opponents, the mid plays on the middle lane alone and levels up fast and helps his other lanes when he gets an opportunity (TP scrolls are important for him, and a very stressful yet fun role to play in my opinion), the carry is very weak early game so he needs help staying alive but after enough farm, he can wreak havoc on the enemy, its also the hardest role to play because of a difficult early game. Lastly the support, he buys wards, the courier, and keeps his team alive through healing or sacrificing himself so the team can run away. Also its the easiest role to play, good for starters.

The usual format for a normal match in medium skill games are 2 supports, 1 mid, a ganker and a carry. And where the 2 supports make a baby sitting lane for the carry (so 3 on one lane), the ganker goes alone, and so does the mid. But remember adapting is critical, and in many games going 2:1:2 is better. When you pick a hero you see a small icon next to him in the hero selection screen, look at it, it tells you your role. Is it only for reference though, its very easy to switch roles with the right items and some creativity. Make sure you know what you are getting into, if you picked support, you are expected to ward, if you picked a carry, you are expected to dominate your enemies after a certain point, and so on. Also, you should know that picking a ranged hero is almost always easier than going melee. Since I mentioned hero selection, you should know what to skill first. Always, and I mean always level up a stun or slow. That’s like a rule, you need to stun your opponent so you can escape or kill him, depending on situation, but always useful. And for starting items, shield, tangoes, clarities are the way to go. The purpose of the early game is to stay alive. Also never ever buy a bottle unless you are playing mid (there are a lot of exceptions for the mid player, I can make an entire list for them).

7. Don’t Flame!

Look, you are new to this game, so… you are probably bad at it. People will complain a lot, they will curse you a lot, and for your first 50 games, you will be called a “noob”! However, remember everyone starts out like this! It’s a rite of passage! Don’t start flaming everyone, defending yourself or even saying sorry. Actually, you don’t need to say anything! (other than calling missing or requesting ganks). If you start cursing your teammates, you automatically ruin the team’s synergy. Also, you waste time typing rather than last hitting, which, if you remember our first point, is pretty important!

8  TP Scrolls are your friends

You know what really grinds my gears? Not buying TP scrolls. You need them after the first 15 minutes.  I have actually seen many  so-called pro-games in which they make this one mistake. “If they do it, why shouldn’t we?” you’ll say. Well, TP scrolls give you two big advantages. First, they give you a way to escape back to base in order to heal up if you are low on hp (an easy trick- quickly press the teleport key twice to automatically go to base). Second, they also allow you to go quickly to other lanes for a surprise gank (“gank” is for gang killing). Also, when you die, just buy a TP scroll to get back to your lane. “But it’s expensive!” you may scream. Actually,  it’s not! A TP scroll only costs three last hits! And if you don’t get back to your lane ASAP early game, you will most likely be a level lower than everyone. else – obviously, not good. If you are having trouble staying alive in the lane, buy a Ring of Health from the extremely underrated side shop. It would give you valuable health regeneration. In the end, remember that a bad start is hard to recover from, but TP scrolls definitely help!

9. The boots mistake

Okay, I’m gonna tell you something, so listen well! I have seen two types of newbies, some who quickly save up and buy boots as their first item and others who don’t buy them at all. Keep this in mind: Boots are important! But not so important to go for them as a first item. Let me explain! Stat enhancing items are your top priority at the beginning of the game. These include Iron Branches, Circlets or Gauntlets of Strength. And some potions if you are playing a low HP hero.

However, after you get all your starting items, go for boots with the first 450 gold you get! You just don’t have to worry about them in the first 3 minutes. In addition, the small lane side shop sells boots, you don’t need to send a courier to base for it! That same side shop actually sells ingredients for upgraded boots as well (sadly, not for Tranquil and Travel boots).

10 .Don’t auto-attack the creeps

We commence this list starting with the most annoying mistake: Don’t auto-attack the creeps! Now, this may seem counter intuitive, but the idea is to always aim for the last hit only! Just get the gold and stay in the same position. Don’t push! (That means going on the offensive) Do this so you can farm up quickly and get some valuable XP (“Farm” means getting XP and gold through creep last-hitting).

One of the critical mistakes new players often make is to push too hard early game! They often go near the enemy tower and then retreat with low health. Sounds familiar? The only thing this so-called strategy does is to give the enemy some free farm. Not only this, but it also allows an enemy hero to flank you from behind and get an easy kill. Since you are so far from the safety of your tower, you will probably die very quickly. Another important concept is denying creeps. What you do is manually press the attack button and kill your own creeps when they are about to die. “Why would I kill my own creeps?! They are my friends!!” you may ask. A simple reason is that, when you deny them, you do two things: you take away your enemy’s chance to last hit while getting the bonus gold. And you deny him some XP. It has more pros than cons.

Peluang Tone Excel

Disini saya ingin berkongsi satu peluang pernigaan sampingan kepada anda dimana ia merupakan satu peluang yang jarang-jarang sekali timbul dinegara kita. Peluang untuk mendapat gaji kedua dengan modal yang amat kecil. Peluang untuk menyelesaian masalah kewangan anda dan peluang untuk hidup dalam keadaan tiada hutang.

TuneTalk-ToneExcel Referal program merupakan satu peluang yang amat hebat kerana:

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3. Mudahnya program ini adalah tugas kita hanyalah mengedarkan simkad prepaid Tunetalk-ToneExcel kepada sahabat, rakan, saudara mara yang menggunakan hand phone. Apabila mereka topup maka kita akan mendapat hasil dari topup mereka.

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AMIRUDEEN MOHAMED ISA

BERMINAT PM JGN MALU JGN SEGAN YER.KALAU AREA KELANTAN SY BOLEH P TERANGAKAN.LAU JAUH2 SY ADA CARA.:) TQ
http://toneexcel.biz/649864 

ASSLAMUALAIKUM

saya sering ditanya oleh rakan2 yang baru menyertai program ini, macaman nak promote benda ni pada orang lain, dah macam2 dia buat tapi tak menjadi juga, ramai orang tak mau join lagi.

Saya tanya dia, kenapa tuan join toneexcel ini, dia cakap pasal toneexcel boleh buat duit. Saya kata, mana ada toneexcel ni boleh buat duit, ramai juga yang join toneexcel tapi tak boleh buat duit pun. Dia kata, ye ke? Saya jawab, Ye la !.

Saya kata, kalau orang join ToneExcel pasal nak buat duit, biasanya mereka gagal untuk dapat duit dari ToneExcel, tapi kalau orang join ToneExcel pasal nak berjimat, dia akan dapat duit banyak dari ToneExcel. Macamana tu?