Bismillah,
Semalam aku pergi event financial matters ni,
Disebabkan speaker tu punya suara tak berapa jelas, I can't give 100% concentration masa dia bagi talk, eventho dah bagus sangat dah issue yg dia sentuh tuuuu.
Basically, the talk was about the financial lah.
Touch pasal investment, asset, liability, rat race, financial lifestyle, shares/bond, unit trust, property, scam in investment, financial defenses and cash flow management.
Fuuuuh, dia bagi talk dalam tiga jam jugak kot, kalau tak silap aku.
Takpelaa, Ill try my best utk summarized and share the knowledge with you guys okay ;)
Investment?
Why you guys think we shall invest?
Because........
- work 'passively' or 'smartly'
- more income
- to be a billionaire
- prepare when I get old
- prepare for the worse
- do what I want
- for dakwah
- for akhirah
Generally, dah jelas sangat kan objectives dia. Lagipun sape tanak kaya betul tak? Kannnnnn? Eleh baik mengaku! Ok get back to the topic even sahabat ramai kot yg berharta blh bantu kembangkan dakwah lagi dll. Hmm, too bad to hear laa kan banyak jugak negative thoughts among us yg buat kita jd malas cari duit ni, contohnya....
>money cannot buy everything
>every problem are due to money
>debt is not god
>failure is bad
>it's difficult to sell shares, house, etc
the last one yg paling famous,
->more rich people go to hell than to heaven
wah wah, ada betulnya jugak, tapi kita kena buang and reduce pemikiran yg prevent kita dari jadi kaya ni, hehe
Okay, now aku nak cerita laa why orang kaya dia takleh nak saving and kembangkan kekayaan dia? Cthnya kalau gaji dia rm38,000 tu je laa yg dia dpt, takde side income, other revenues and etc. Pelik kan duit punya banyak tapi takat tu jee and still deduce utk expenditure. So mana nyaa saving, investment etc etc tuuu.
Nak tahu mana harta dia semua burn? Jeng Jeng Jeng!
Sebab they will get the salary and goes to expenditure, and repeat again and again the same step.
salary -> income=expenditure -> increased salary -> increased lifestyle -> increased expenditure -> repeat step
Sampai bila laaa tak kayo, sebab tak bijak haiyaa
Financial freedom ni mudah je sebenarnya dgn adanya second salary which is pepandai laa kau carik jalan nak grab 2nd salary ni such as by investment. Tak lupa jugak cash flow management, kau kena ada emergency and saving jgn lupa.
Okay nak cerita sikit lar pasal investment ni banyak sgt kot kategori dia cthnya gold/silver, shares/bond, unit trust, property investment & scam in investment. Gold/ unit trust(amanah saham), shares ni semua mesti korang dah master kan? Cume property investment & scam in investment je korg mcm blur sikit kannn? Meh aku nak explain, hehe.
Okay property divided by four; land, house, apartment & condo, shop houses/office lot. Firstly, land. Dia pecah tiga which are agriculture, residential and commercial. Fyi, agriculture punya harga mmg tak banyak laa, residential tinggi laa jugak. So, convert korg punya tanah to residential cepat, hehehehe. Next, property ownership ada dua; freehold & leasehold. Freehold ni maknanya forever hak kau lah property ni, tapi kalau
leasehold dia ada fixed period of time. Both kinds of investment pun bagus kalau korg nak cuba.
Last but not least, for my opinion laa kan as a student, aku nak jadi kaya and akan cuba utk buat investment to be rich sbb matlamat aku nak tolong org, bantu org yg susah bg dorg opportunities utk berjaya, supaya Islam boleh berkembang ke persada dunia, insyaAllah aamiin. Sekian dulu for this moment, thanks for yr precious time tabarakallah! ^^
