xda gik nya lam bilit

hari-hari mok di cek jak2...pegi pagi nya xda, pegi petang nya xda...bila la nya ada? dateline ujung minggu tok..gney tok?

Wokshop Mini Pelanggan Tanpa Had

with the speaker

untung-untung

mana lebih untung, guna duit sendiri atau pinjam duit orang untuk memulakan perniagaan? mula- mula aku ingat guna duit sendiri lebih untung coz tak perlu runsing mok bayar hutang..kan2? sebab apa aku pikir macam tu? sebab aku tengok kazen aku berniaga tak pernah mohon pinjaman untuk 'finance' bisnes dia...tapi, aku pun terpikir..kalau macam tu kalau aku kerja dengan gaji RM1000 sebulan, aku perlu tunggu beberapa tahun lagi la mok bukak kedai...masa pun berlalu dan 'isu' itu pun ilang...bila alu masuk klas strategic management, cikgu ku cakap mun mok untung lebih, pinjam duit untuk 'finance'...aih? lain macam jak teori ni...macam mana ni? kalu sale tiada macam mana mo bayar utang? cikgu pun cakap...kata kunci nya adalah 'cost of fund'. cost of fund ini adalah cos meminjam untuk finance perniagaan kita...contohnya yang paling dekat ialah ASB..katakan kita pinjam bank dengan faedah 3-4% then kita simpan dalam ASB dengan faedah 5-7%...disini kita dah untung 3%...maksudnya setiap seringgit yang kita simpan kita akan untung 3 sen..kan ke untung tu?

INGIN KAYA ATAU HARUS KAYA

Kaya...semua orang ingin kaya tapi berapa orang di dunia ini yang mampu kaya..dalam konsep kehendak atau keperluan..haruslah didahului keperluan daripada keinginan (kehendak. Jadi di sini kita perlu kaya kerana ia adalah keperluan...Nabi ada bersabda berbunyi "tangan yang memberi adalah lebih baik dari yang menerima"..kalau kita perhatikan disekeliling kita..berapa banyak orang-orang muslim yang memberi daripada menerima? berapa banyak orang-orang bukan islam yang memberi daripada menerima? dalam konsep peluang pekerjaan, brapa banyak orang-orang muslim membuka peluang pekerjaan kepada muslim lain? pada pengamatan saya, bukan tidak ada tetapi terlalu sedikit...kerana apa? kerana orang-orang melayu muslim (x semua la) tidak nampak konsep keperluan untuk kaya

A Survey Bout Myself

Your view on yourself:
You are down-to-earth and people like you because you are so straightforward. You are an efficient problem solver because you will listen to both sides of an argument before making a decision that usually appeals to both parties.

The type of girlfriend/boyfriend you are looking for:
You like serious, smart and determined people. You don't judge a book by its cover, so good-looking people aren't necessarily your style. This makes you an attractive person in many people's eyes.

Your readiness to commit to a relationship:
You prefer to get to know a person very well before deciding whether you will commit to the relationship.

The seriousness of your love:
You like to flirt and behave seductively. The opposite sex finds this very attractive, and that's why you'll always have admirers hanging off your arms. But how serious are you about choosing someone to be in a relationship with?

Your views on education
You may not like to study but you have many practical ideas. You listen to your own instincts and tend to follow your heart, so you will probably end up with an unusual job.

The right job for you:
You have plenty of dream jobs but have little chance of doing any of them if you don't focus on something in particular. You need to choose something and go for it to be happy and achieve success.

How do you view success:
You are afraid of failure and scared to have a go at the career you would like to have in case you don't succeed. Don't give up when you haven't yet even started! Be courageous.

What are you most afraid of:
You are afraid of having no one to rely on in times of trouble. You don't ever want to be unable to take care of yourself. Independence is important to you.

Who is your true self:
You are mature, reasonable, honest and give good advice. People ask for your comments on all sorts of different issues. Sometimes you might find yourself in a dilemma when trapped with a problem, which your heart rather than your head needs to solve.

my first try

mulanya lamak dah hajat ati mok polah blog tok p xtauk gney...tang best jak nengok org lain pun blok especially blog CINA ISLAM dari ADUN Titi Serong...slalu juak ngagak blok ya lepas kes lompat katak ya...hehehe