My App ...

Finally, the day has come....
My first app!
From a simple ideation until realization. Felt a little excited of course.
Looking at so many app on quotes, I just asked myself, why not give people the best of the best quotes and from the best? The only category of people that I can think of were billionaires. In order to achieve what they've achieved, I'm sure all of them went through heaven and hell many times in different aspects of life. They are more than qualified to share their perspectives about life, business and the world.

Not forgetting on top of billionaires, we have the first and only trillionaire in the world, Kamal Ashnawi, a Malaysian, a Perak-Tanjung Malim born guy claiming to have RM20 trillion in his bank account. Very impressive....but the wealth comes from old Javanese royalty that was cumulative from generations for centuries. Therefore, I prefer choosing quotes from self-made & hands-on achievers.

Anyway, I hope my little act can add value to those who download and keep it.
You can get it from

https://itunes.apple.com/us/app/billionaires-quotes/id595083940?ls=1&mt=8

Life is Good!!

Real Key To Success.....Which One?

Nowadays, success principles are available everywhere; through books, seminar, videos, audios...etc.
Often times, We've heard many different principles or keys to success.
And sometimes, it was antogonistic to each other.
Sometimes I heard....

• "The Key to Success is to be Persistent." vs. "The Key to Success is to be Flexible."
• "The Key to Success is to be Focus." vs. "The Key to Success is to Diversify."
• "The Key to Success is Relationship." vs. "The Key to Success is Result."
• "The Key to Success is System." vs. "The Key to Success is People."
• "The Key to Success is To Do What You Like." vs. "The Key to Success is To Do What Is Right."

At the end of the day, we've collected more keys than the locksmith but we still can't unlock our potential & dreams! Because subconsciously, we are confused! How come there are more key combinations to unlock success than the key combinations to unlock DaVinci Code?
Up to a point in life, we will say, "Enough is Enough. I'm going to create my own key. I'm going to use my own talents. I'm going to use my own personalities. I'm going to chart my own dreams. I'm going to associate with the right crowd. I'm going to navigate through....on my OWN!"

That is where ..... another key to success is being created in the world!

In summary, there are no right set of keys to success.
Only our own keys to success.....that is based on our own creation, our own background, our own stories & our own journey of success.

Let me give you the "The Key of the Keys To Success then......"
"The main key to success is not to loan keys of success from others but to create our own keys to success. That's the key!"

Let's go make em...

Friendship

Awhile ago, a colleague of mine gave me a free coupon to redeem a frappucino in Starbucks. 2 hours later, I've redeemed it!! Ordered a Java Chip with a simple donut ...... here I am, feel like writing a message on friendship.

Eventhough it is a small token but I think it really made a pleasurable and relaxing evening for me. Especially after a hectic day running around, we just need some private moments and enjoy every bit of it. Sometimes we don't need expensive stuff, just something useful will turn our evening around.

Besides family, spouse or lovers, we need friends to be around us. Coz no man is an island.....
At times, they could lend a listening ear or even give some valuable insights that our stressful mind couldn't figure out. Sincere and enriching friendships are valuable. They may come in handy especially when we need someone to chit-chat, share our joy or lift off some of our burden.

They are friends that can hurt us. And some will help us. Of course there are some who make no difference in our lives. The quality of friendship that we spend time building on, will determine our altitude in life. If we spend most of our lives with someone who can help and uplift us, I'm sure we  live a more fulfilled life.

I just spoke to another 2 business friends this afternoon and we had a fruitful chat where I learn the word of commitment and focus from them. To me, both of them are successful as they love to help and add values to people's lives. Nothing is more fulfilling than to enrich someone to reach a level that they never thought of reaching.

Well, when you have time, what are you waiting for....just call a friend and chit-chat over a cup of coffee!!

Money, Money, Money...

What if you were suddenly blessed with piles & piles of cash with a snap of a finger?
It is not a very good analogy because we got to work hard for it. But just for the sake of discussion and provoking our thoughts a little bit....

• Would you still continue working? Be it your job or your current business?
• Perhaps clearing all your debt and be a G.O.O.D person.....Get Out Of Debt...?
• Does travelling crosses your mind where seeing dolphins and penguins are much more interesting than clients and bosses?
• What about testing your dream car and just pay cash for it?
• Maybe you can try out an expensive hair cut?
• Purchasing 10 units of high-end condos is definitely more interesting than struggling to pay the mortgage of 1 unit?
• How about pursuing your hobby such as snorkelling, horse-riding, parachuting or bungee-jumping?

There are endless things to be done.
Some people said Money Can't Buy Happiness.
I bet those who said that don't have much and they simply use it to justify themselves being broke!
We always heard that "The Love of Money Is The Root Of All Evil."
What about "The Lack of Money Is The Root Of All Evil!!"

More than half of our life is spent working for money. To be more specific, it is what money can buy and the lifestyle that we've trade it for. Of course money itself is innocent. It depends on who the owner is and how we use it. Money is just a form of measurement, an exchange value and it provides convenience to access to a better and greater lifestyle.

Money is great and Money can definitely buy happiness.
We don't have to pretend it is not important and treat it like an allergen.

Let's welcome and attract money in our life.....

5 Major Bosses

The common chronologies in our life were:
- got born
- learn how to walk, talk & eat!
- go to school
- then go to bigger school
- if didn't drop out, then go to another bigger school called the college / uni
- graduated.....if can...
- find a job
- earn money
- if risk appetite is high, invest or do business or businesses....
- earn more money
- find a partner
- got married & have kids
- sigh......tired to talk about it, you know the rest of the stories.....finally, we are buried 6 feet under!

Besides targeting the highest Maslow's hierarchy of needs which is Self-Actualization & Significance, money is kind of orbiting our lives all the time.
And whatever we do, is like ....we are serving 5 major "bosses" in our life all the time!

Our 1st Boss: The Real Boss!
Of course the one who pay our salary.

Our 2nd Boss: The Government!
This is due to the existence of the 1st Boss. Of course in the name of nation-building, we pay tax.

Our 3rd Boss: The Bank!
Due to climbing the ladder of needs, we buy car or cars....then a house to put it in of course! Then a major portion of our money goes to the bank.

Our 4th Boss: Spouse / Family!
Our parents took good care of us, of course we will take good care of them as well. We buy them good food, nutrition ranging from birdnest, ginseng......all the way to super-multiple-variable-awesome-vitamins!
Then we spend time with them and if possible, bring them for a holiday! Hopefully, we serve them well.

Our 5th Boss: Children!
We feed them, bring them up, pay for schooling all the way until their life is sort of settle down & steadily earning a decent income.

At the end of the day, what's left?
A small-teeny-weeny portion of time & money left for us to do what we like....if there is anything that we like afterall. Sounds a bit sad huh?
No wonder people talks about setting Goals & Mission in life.
But most of the time, nobody plans to fail, just fail to plan.
I've once heard a prominent business person said, "Unhappiness is caused by Comparison."
Hmmm, quite true in a way. Some people compares negatively while some compares excitingly.

After knowing such a small portion of resources left for our ownself, we really have to cherish great moments with friends & family. Whatever we want to do, let's try to do it. Succeed or Failure is one thing but at least we don't regret trying it out.

For those who want to say "Thank You", say it.
For those who want to say "I'm sorry", say it.
For those who want to do things that's never done before, do it (I'm referring to the right thing!).

At the end of the day, we want to Live a Non-Regrettable Life.

Terminator Or De-terminator?

When we stop achieving what we want, what we don't want will haunt us!
Only time will tell which zone is taking over...

Sometimes when we venture into a new job or new project or a new venture, there will be lots of variables in front of us. Only a risk-taker is willing to explore & conquer bit by bit, puzzle by puzzle and eventually a quantum leap in achievements, perspectives and of course income.

All of us can't predict the future. We can only follow-through and solve problems along the way.

Think about these series of silly questions for awhile:
"Does a mother know how to be a mother before becoming one?"
"Does a student know how to be an engineer before becoming one?"
"Does an entrepreneur know how to be an entrepreneur before becoming one?"

Obviously "No" for all! Now I began to understand successful people always encourage us to do what we love and what we are good at instead of doing it for the sake of money alone. Of course money will be a great reward and a measurement of how our performance & innovation stands. It is a major resources to build bigger dreams. But that should not be the seed of starting something.

I've tried before when money is the only motivation to work, doubts will always creep in.

When we have doubt, it is most often that we don't know what we want in the beginning. Sometimes we can terminate an opportunity in front of us only to realise this is what we want in life later.

There's no perfect life. Fast forward our life 10 or even 20 years from now, then look back from that perspectives and review back, we'll gain our guts right away, whether to pursue or not to in a new venture!

At times, good decisions are found from the journey of making bad decisions.
How many of us got married straight away with our first boyfriend or girlfriend? That proves the point!

Therefore, a Terminator destroys Vision & Dreams while a De-terminator builds it up with hard work and perseverance. Which one are you?

But becareful not to Focus Naively but Focus Flexibly as the society, market and the whole nation is changing and adapting from time to time.

Let's quit quitting to be a quitter and don't quit winning to be a winner! Yeah!!!

Eh, you got STUDY or not?....(Part 3)

To me....
Life Education is to unlock and enhance the potential of both Academic & Financial Education gained.

Because Life Education is about ....

- Mindset

- Attitude &

- Experience

Mindset:
It is about our PRE-CONCEPTION and BELIEF that we've build up over the years towards people, events, societies and the world. It affects how we see things, how we think and how we behave.

You'll find short-term thinkers tend to focus on small-people & insignificant events while long-term thinkers discuss on ideas, strategies and vision. It is all about having a Microscopic-Mindset or Telescopic-Mindset.

Sometimes people tend to put a lot of time scratching and digging the ground looking for a RM1 note while they ignore the RM100 note which just flew by their head! They are busy worrying not to lose the RM1 but forgot to look at how to earn RM100!

It also touches on how we PERCEIVE FAILURE; do we personalize it, magnify it, ignore it or USE IT?
You know the answer!

Attitude:
Besides being positive, SOCIAL INTELLIGENCE will help us tap into the Network entity to create success.

Success is about the wealth of having good friends around us as well, besides monetary gain.
It is a person's down-to-earth personality that enable him / her to blend well in societies. What I like the most are those friends / relatives from "kampung" or far from the city. They are so genuine and free from manipulation! It is rare nowadays.

RESPECT & APPRECIATION are another 2 significant factors to build bridges & bonds with people instead of walls. Because our association with people determine our quality of life. It is a war between Virus & Anti-Virus in the society, depending on which program we want to install in our mind!

I've known a person who is not highly educated, got divorced, no goals or directions, not much discipline but managed a few businesses with success lately. Why? He changed and mix with the right crowd! He had developed quite a healthy level of social intelligence!

Experience:
It is all about being RESOURCEFUL to gain valuable experience. It is our personal journey, personal understanding, personal encounter, personal learning & personal adaptation that form our experiences. But make sure we keep uplifting experiences and dilute-off the bad moments.

Keep a wide experiences of knowledge & exposures!

Let's triple-up our Education!

Eh, you got STUDY or not?....(Part 2)

Well, Academic Education does form an elementary staircase for us to climb. But it is definitely not enough.

We need Financial Education.

To make money, there are 4 entities for us to tap into; P-I-C-N

Physical - which is our Neck-Down ability or commonly known as Hard Labour.
We can't progress much using this part of our body. Perhaps RM5 - RM20 / hour! We can survive but can't afford to support a complete family expenses or retired.

Intelligence - which is our Neck-Up ability. It is the ability to manage, analyse, rationalise and calculate. It enable us to look at where we are and where we want to go.

Capital - Use money to make money. The best is to use Intelligence + Capital to generate more Cash! The difference is using our own Capital or Other People's Capital. We can venture into business or investments.

Network - which is our contacts. I've known some people creating investments or business opportunities through the contacts that they have established in the past years. That's where learning to play Golf came in, haha....! Hence, I totally agree with "It is not what you know, it is who you know that matters!"

Today I've got to know a person making RM30,000 in a day in which most people use a year to earn it.
Surprisingly, that person is using "C" & "N" entities only, not using any "I" entity at all!
Hmmmm.....that got me thinking a little.....

Financial Education is about creating Wealth, expanding Wealth and managing Wealth, tapping into the I-C-N entities.
It is about knowing which tools or methods to go about it as well.

In wealth creation, it involve risks. That's why some people are meant to be employee while risk-takers have the potential to be great entrepreneurs or investors. It also depends on whether we are looking at Fast-Short-Term-Income or Slow-Long-Term-Income.

Those who tapped into I-C-N entities are normally creating a Steady & Long term income. While those who tapped into C-N entities only are creating Fast & Unsecured income.

Success is build on the basic pyramid of Academic Education --> Financial Education --> Life Education.
Let's explore that...

To be continue....

Eh, you got STUDY or not?....(Part 1)

Education....
Is it a Springboard or a Stumbling Block?
It depends....
In my opinion, there's 3 main significant types of Education:

1) Academic Education
2) Financial Education
3) Life Education

Academic Education - that's the foundation of equipping us to Read, Write & Calculate. I wanted to put "Think" as well but I beg to differ on this. Sometimes Academic Education crippled most people than bringing them up to explore life. Why?

Looking at my own academic life, did I use any of the knowledge to achieve a very successful life? The answer is a big "NO".

In Academic Education,
...We are taught to memorize, not to question...
...We are taught to learn, not to think...
...We are taught on theories, not on applications...
...We are taught on scoring grades, not on exploring alternatives...
...We are taught that "A" students are the best and "D" students are the hooligans!

Don't forget, normally "A" students work for "B" students and "B" students work for "C" students.
Eventually, "D" students own the business!!

Quite commonly, I've found out people of low education are more Flexible, Resourceful and Street-Smarts than the graduates who are more Rigid, Planful & IQ-oriented.

Therefore, it is not surprising to see Ah Beng who sells Fish-Head noodle or Hakka Yong Tau Foo can afford a banglo and drive a Mercedez than Mr. Manager, Mr. Engineer or Mrs Accountant.

Later in our life, until we realized something is wrong, we'll begin to question....
"Why am I broke?"
"Why can't I afford that car?"
"Why do I need to pay my house for 30 donkey-years and some can afford to buy cash!"
"Why do some people earn a yearly salary that is equivalent to some people's monthly salary?"

Well, it is better to ask the "Why" now than later. That's why we need to explore Financial Education.

To be continue.....

You Bhd: A great company or a PN17 company?

Wow, time really flies....

Remember the time that we talked about Y2K? Some are afraid of the "bugs" will shut down certain computer systems!
Here we are... 2010, almost ending!

10 years already past.
Some thought 2020 is still a long way to go.
Yeah, try wasting another 10 years and calculate how many extra wrinkles on our forehead by that time! We won't be able to smile by then as we have extra 2382 fine lines when we do! Well, definitely it is not the fine lines that matter, it is our journey that counts.

Time is only moving in one direction, which is Forward.
But thoughts can be travelling Forward or Backward.
To move Forward, sometimes we need to scan a little Backward.

Perhaps reviewing some aspects of our life will help. Especially in terms of:
1) The income that we earn? Surviving? Satisfying? Enriching? Or "Fatt Tatt" already, haha....?
2) The job that we do? Is it based on passion or merely a surviving tool?
3) Family: Are we settling down? Do we have the correct budget for family planning? Any education fund for our kids?
4) Who is our hero in life? Perhaps any mentor around?
5) Are we happy with where we are? Job, Biz, Charity, Education...etc
6) Do we want to excel in our job, or starting a small biz or try investing?
7) What else do we want to learn more? Leadership? Entrepreneurship? Self-Enrichment? Socialising? Parenting? Playing musical instruments? A different job scope? Property? ...etc
8) The circle of friends that we associate with? Is it the same? Do we want a change?
9) Satisfy with our body weight & posture? Overweight? Fit? Big tummy? Stamina?
10) Our personalities, habits & attributes? Do we want to be more extrovert, risk-taking, positive, open-minded, prudent, generous, caring, result-oriented or people-oriented? ...etc

Well, the list could be endless.
Perhaps we can provoke ourself this question:
"If I have a 100k to acquire a stake in someone's life and expecting a consistent or higher return, who would I invest in?"
Is it "John Wong Sdn Bhd", "Adeline Tan Sdn Bhd", "Shukri Enterprise", "Krishnan Bhd" or etc....
Just think about everyone as a company for a while.....

Then we'll begin mapping People in Business aspects. We'll start searching for the relevant attributes don't we?
Are you going to invest in Intelligence or Emotional Intelligence? Knowledge or Attitude? Certificates or Leadership?

The interesting part is "Are you going to buy a stake of your ownself?"
If "YOU" are listed in Bursa Malaysia as YOU BHD, are you going to buy? Do you think others will buy? Or all of them who have bought it, sold it coz you are a PN17 company!! haha.....
Joke a bit lah...you are not that bad! All of us are unique and I truly believe we have our own spark plug to ignite our real desire and potential in life.

When you think about companies like SPSetia, Maxis, YTL, IOI, Amway, Petronas, HongLeong (of course it is not an endorsement or recommendation to buy!), what are the attributes that we like about them? Perhaps mapping it in-person like Ananda Krishnan, Liew Kee Sin, Francis Yeoh, Tony Fernandes, Idris Jala...etc...
Attributes like Integrity, Growth, Performance, Trust, Confidence, Management, Leadership, Branding, Ethics, CSR....etc, comes to mind.

Well, I hope it can provoke us a little.
Afterall, we are after a balance circle of success and on top of all, HAPPINESS & SELF-SATISFACTION!
Hmmm.....let's think about it....