In CASHFLOW QUADRANT ,the book that follow Rich
Dad,Poor Dad ,my poor dad advise me to "Go to school,get good grades,and
then find a safe secure job with benefits."
On the other hand,my rich dad said,"Learn to built businesses and invest through your businesses." by Robert T.Kyosaki
The Big Idea
Rich Dad,Poor Dad
FINANCIAL LITERACY = FINANCIAL INDEPENDENCE
A
true tale of two dads one a highly educated professor, the other, an
eighth grade dropout. Educated dad left his family with nothing, except
maybe some unpaid bills. The dropout later became one of Hawaii’s
richest men and left his son an empire. One dad would say, I can’t
afford it while the other, asked, “How can I afford it?”
Rich
dad teaches two boys priceless lessons on money, by making them learn
through experience. The most important lesson of all is How to Use Your
Mind and Time to create personal wealth. Free yourself from the
proverbial “rat race”. Learn to spot opportunities, create solutions and
mind your own business. Learn to make money work for you, and not be
its slave.
Rich Dad’s Words of Wisdom:
•You are what you Think.
•A job is a short-term solution to a long-term problem.
•A highly paid slave is still a slave.
•Why climb the corporate ladder when you can own the ladder?
Good Thinking:The
rich get richer because they keep acquiring more assets and investments
to generate more income, which far exceeds their expenses.
Two roads diverged in a wood, and I
I took the one less traveled by,And that has made all the difference.
Robert Frost, from “The Road Not Taken”
Overview
There is a Need.
The
rationale for teaching people financial literacy comes from the fact
there is no real job security these days. Even after years of toil, the
poor and middle class may find they do not have sufficient funds for
their children’s college education, or their own retirement. Why work
for a corporation, the government, and the bank all your life? Awaken
your financial genius and gain financial independence and freedom!
Lesson 1: The Rich Don’t Work For Money
At
age 9, Robert Kiyosaki and his best friend Mike asked Mike’s father
(Rich Dad) to teach them how to make money. After 3 weeks of dusting
cans in one of Rich Dad’s convenience stores at 10 cents a week,
Kiyosaki was ready to quit. Rich Dad pointed out this is exactly what
his employees sounded like. Some people quit a job because it doesn’t
pay well. Others see it as an opportunity to learn something new.
WORK TO LEARN
Next
Rich Dad put the two boys to work, this time for nothing. Doing this
forced them to think up a source of income, a business scheme. The
opportunity came to them upon noticing discarded comic books in the
store. The first business plan was hatched. The boys opened a comic book
library and employed Mike’s sister at 1$ a week to mind it. Soon they
were earning $9.50 a week without having to physically run the library,
while kids read as much comics as they could in two
hours after school for only a few cents.
Lesson 2: Why Teach Financial Literacy?
They don’t teach this at school.
The
growing gap between rich and poor is rooted in the antiquated
educational system. The system trains people to be good employees, and
not employers. The obsolete school system also fails to provide young
people with basic financial skills rich people use to grow their wealth.
Know
your options and use this knowledge to build a formidable asset column.
In an age of instant millionaires it really isn’t about how much money
you make, it’s about how much you keep, and how many generations you can
keep it.
Steps to get out of the proverbial rat race:
1. First, understand the difference between an asset and a liability.
Assets Liabilities
Real Estate Mortgages
Stocks Consumer Loans
Bonds Credit Cards
Notes
Intellectual Property
The
poor have day-to-day expenses, the middle class purchase liabilities
that they think are assets (i.e., a home or a car), and the rich build a
solid base of income-generating assets.
The middle
class finds itself in a constant state of financial struggle. Their
primary income is wages, as wages increase, so do their taxes. Expenses
increase as wages increase. Hence the phrase “the rat race”. They treat
their home as their primary asset instead of investing in income
generating assets.
Reasons why the home is not an asset but a liability:
1. People work almost all their lives to pay off a home mortgage (30-year loans)
2. Maintenance and utilities expenses.
3. Property tax
4. House values can depreciate.
5. Instead of investing in income-earning assets, your money goes out to payments for the house.
Your losses:
1. Time that could have been used to grow value in other assets.
2. Capital which could have been invested rather than paying home-related expenses
3. Education that makes you a Sophisticated investor
If you want to buy a house, first generate the cash flow by acquiring assets, which bring income to pay for it.
Examples of real assets are:
•Apartments for rent
•Real estate
•Businesses that do not require your physical presence. You hire managers.
Average time of holding on to an asset before selling it for a higher value: 1year
· Stocks (Startups and small companies are good investments)
· Bonds
· Mutual funds 7 years
· Real estate
· Notes (IOUs)
· Royalties on intellectual property
· Valuables that produce income or appreciate
In summary, the key steps to getting out of the rat race are the ff:
1. Understand the difference between an asset and a liability.
2. Concentrate your efforts on buying income-earning assets.
3. Focus on keeping liabilities and expenses at a minimum.
4. Mind your own business.
Lesson 3: Mind Your Own Business
KEEP YOUR DAY JOB BUT START MINDING YOUR OWN BUSINESS.
Kiyosaki
sold photocopiers on commission at Xerox. With his earnings he
purchased real estate. In 3 years’ time his real estate income was far
greater than his earnings at Xerox. He then left the company to mind his
own business full time. He knew that in order to get out of the rat
race fast, he needed to work harder, sell more copiers and mind his own
business.
Don’t spend all your wages. Build a good portfolio of assets and you can spend later when these assets bring you greater income.
Lesson 4: The History of Taxes and the Power of Corporations
Income
tax has been levied on citizens in England since 1874. In the United
States it was introduced in 1913. Since then what was initially a plan
to tax only the rich eventually “trickled down” to the middle class and
the poor. The rich have a secret weapon to shelter themselves from heavy
taxation. It’s called the Corporation. It isn’t a building with the
company name and
logo in brass signage out front. A
corporation is simply a legal document in your attorney’s file cabinet
duly registered under a government state agency. Corporations offer
great tax advantages and protection from lawsuits. It’s the legal way to
protect your wealth, and the rich have been using it for generations.
Do your own research and find out what tax laws will bring you the best
advantages.
The Golden Rule: PAY YOURSELF FIRST.
Rich dad says paying yourself first forces you to create more sources of
income to cover your expenses. It’s a simple rule that works like this:
Key Financial IQ Components:
It helps to take some courses to gain financial literacy; rich dad stresses the importance of learning :
1.
Accounting. It pays to know how to read financial statements. When
acquiring businesses or assets you need to quickly see the financial
standing of the company you are acquiring. Many grown adults do not
know how to balance a balance sheet. In the long term, this knowledge will pay off for you and your business.
2.
Investment Strategy. This skill will sharpen with experience. Talk to
investors and observe how they play the game. Kiyosaki and Mike spent
many boyhood hours sitting in on Rich Dad’s meetings with brokers,
accountants, and attorneys.
3. Market Behavior. Know
the laws of Supply and Demand. No business owner can do without
understanding these basic principles of the market. Bill Gates saw what
people needed. Open your eyes to
opportunities. Look at what sells and who buys.
4.
Law Kiyosaki recommends doing everything you can to grow your business
within legal boundaries. Know your corporate, state, and accounting
laws.
Lesson 5: The Rich Invent Money
Self-confidence
coupled with high financial IQ can certainly earn more for you than
merely saving a little bit every month.Make good use of your time and
find the best deals.
An example: In the early 90’s the
Phoenix economy was bad. Homes once valued at $100,000 sold for $75,000.
Kiyosaki shopped at bankruptcy courts and bought the same houses at
only $20,000. He resold these properties for $60,000 making a cool
$40,000 profit. After six more transactions of the same manner he made a
total $190,000 in profit and it only took 30 hours of work time. Rich
Dad explains there are Two Types of Investors:
1. Buyers of Packaged Investments.
This
is when you call a retail outlet, real estate company, stockbroker or
financial planner and put your money in ready-made investments.It’s a
simple, clean way of investing.
2. The Professional
Investor Design your own investment. Assemble a deal and put together
different components of an opportunity. Rich dad encourages this
type.You need to develop three main skills to be this type of investor,
namely how to:
•Identify an opportunity everyone else has missed.
•Raise capital
•Organize smart people
Identify an opportunity everyone else has missed.
Learn
to identify hidden Freebies in business deals. For example: The real
business of McDonald’s isn’t hamburgers. It’s the free real estate
underneath each franchise, on every important intersection, in cities
all over the world that is the real wealth of its owners.
THERE IS ALWAYS RISK. You need to learn how to manage risk and not avoid it.
Lesson 6: Work to Learn Don’t Work for Money
The Author’s Odyssey
After
college graduation Robert Kiyosaki joined the Marine Corps. He learned
to fly for the love of it. He also learned to lead troops, an important
part of management training. His next move was to join Xerox where he
learned to overcome his fear of rejection. The thought of knocking on
doors and selling copiers terrified him. Soon he was among the top 5
salespeople at the company. For a couple of years he was No.1. Having
achieved his objective ” overcoming his shyness and fear” he quit and
began minding his own business. Learn skills like PR, marketing, and
advertising. Take a second job if it means learning more.
A Difference in Education
Schools
train professionals. Professionals become so specialized they cannot
apply themselves in other fields and need to form unions to protect
their jobs. Remember you can have a profession, say, learn to be a pilot
if you want to learn how to fly, but at the same time mind your own
business. The rich “groom” the next generation by training the heir in
all aspects of running the business. They move him from department to
department so he learns how
each one relates to the
other. Specialization is not the key here, but picking up important
lessons from each area and seeing the business as a whole.
Rich
Dad groomed Kiyosaki and Mike in the same manner. Mike would later take
over Rich Dad’s empire, which included restaurants, convenience stores,
and a construction company. Kiyosaki created his own empire with real
estate, new products and educational materials.
Five Obstacles to Financial Independence
1. Fear. Don’t play it safe and cling to what you think is secure. If you don’t go for it and think big you won’t be able to earn big.
2. Cynicism. Don’t listen to advice of others who are not doing what you intend to do. Listen to your self and those who are doing what you aim to do.
3. Laziness. Greed is good and fights laziness. Think about the freedom and money you’ll have and you will put in those extra work hours. Change your thinking.Instead of saying “I can’t afford it”. Ask yourself “How can I afford it?” Challenge your mind to create solutions.
4. Bad Habits. Spending habits should turn into saving and investing habits.
5. Arrogance. Don’t think you know everything there is to know about money.Listen to others. Enroll in useful seminars.
Ten Steps to Awaken Your Financial Genius:
1.
Find a reason greater than reality, a big dream. Think of the
freedom,the lifestyle wherein you control your own time. Think of what
you don’t want, i.e. I don’t like being an employee.
2. Use the
power of choice, daily. You can choose to watch MTV, or watch CNBC. It’s
how you choose to use your time and energy everyday that brings
financial success in the long run.
3. Choose your
friends carefully. It pays to have friends who are focused and achieving
their goals. Surround yourself with friends you can learn from.
4. Master a formula. Learn a new one, and learn fast.
5.
Pay yourself first. Practice self-discipline by keeping expenses
low.Tenants can pay for your expenses if you rent out apartments or mini
storage,for instance. Savings are used for investing and creating more
money, not for paying bills.
6. Pay your broker well. Attorneys,
accountants, stockbrokers, and real estate brokers will have more
incentive to work harder for you. If they make more money, it means you
make more money as well. 3-7% is a good incentive.
7. Be an
Indian giver. It’s the concept behind ROI. (Return on investment) Invest
and then take the initial money out after a time when the investment
has earned for you.
8. Buy luxuries last. Let the income from
your growing assets afford you the new car. Wait for your asset base to
grow first. Middle class people buy luxuries first, on credit.
9.
Find yourself a hero. When you play golf you can imagine you are Tiger
Woods. When you do business, you can ask yourself, “What would George
Soros have done if he was in my place right now?”
10. Teach and
you shall receive. As in money, love, or friendship. If you give without
expecting anything in return, you receive more.
To-Do List
1. Stop what you’re doing. Take a step back to assess your situation. Stop doing what is not working and look for a new option.
2. Look for new ideas.
3. Take action. Find someone who has done what you want to do. Take them to lunch. Ask for tips.
4. Take classes and buy tapes.
5.
Make lots of offers. Finding a good business deal is a lot like dating.
You must go to the market and talk to a lot of people, make offers,
counteroffers, negotiate, accept and reject. Many single people sit at
home waiting for the phone to ring instead of going out and hitting the
dating scene.
6. Take a walk through your neighborhood and look for bargain real estate deals.
7.
Buy the pie and cut it into pieces. People buy only what they can
afford so they think small. Think big. This goes for land and other
investments.
8.
Learn from history. Colonel Sanders lost everything in his 60’s and
started from scratch with a fried chicken recipe. Bill Gates became rich
before he was 30.
ACTION ALWAYS BEATS INACTION.
“IF YOU’RE DOING SOMETHING YOU CARE DEEPLY ABOUT AND IF YOU BELIEVE IN IT, IT’S IMPOSSIBLE TO IMAGINE NOT TRYING TO MAKE IT GREAT.”
Assalammualaikum w.b.r dan salam sejahtera.
Dipetik dari blog Syafiza Wikinomics group
Yes!!! Yes!!! And Yes!!!!!
Impossible re-enginereed possible!
Bersama
samalah kita membina semula impian kita masing masing yang MUNGKIN
tertangguh kerana tekanan luar yang menekan kehidupan kita menyebabkan
akhirnya impian tersebut pudar dan terpadam begitu sahaja. Selamat
membaca apa yang saya hendak berkongsi bersama sama anda dalam satu
peluang yang menarik untuk kita sama sama kongsi.$$$ tidak menjanjikan
kejayaan… tetapi kejayaan akan memberikan anda $$$$!
Betul ke tak
betul? Jika kita hendak berjaya dan kaya tuan tuan, kita belajar
macamana orang kaya berjaya jadi kaya. setuju @ tak setuju?
First kita tengok golongan manusia yang ada di Malaysia ni tuan tuan.
Golongan yang pertama:
$$$$
nya ADA tapi masa TAK ADA tuan tuan. Orang yang macam ni saya panggil
dia hamba duit tuan tuan. Kawan saya seorang doktor. Baru je saya sampai
rumah dia tak sampai 5 minit, dia pulak dah kena pergi semula ke tempat
kerja. Standby on call. Lagi seorang kawan saya ni pulak dia ni tauke
kedai tomyam. Orang lain tak bangun tido lagi dia dah buka kedai. Orang
dah tidor dah, dia baru nak tutup kedai.
Golongan yang kedua:
$$$$
nya TAK ADA tapi masa ADA tuan tuan. Orang yang macam ni…. Macam
kitalah. Kerja makan gaji. Duit bukannya tak ada, tapi dapat gaji habis
bayar hutang. Macam macam hutang yang kita ada…..hutang PTPTN, kereta,
rumah, kad kredit, along….. dan banyak lagi. Kalau nak cerita… sampai
mati pun tak habis cerita tentang hutang ni. Betul ke tak betul? Sebab
tulah ada orang dok kata keluar pagi balik petang, cukup bulan bayar
hutang. Sampai bila kita hendak hidup seperti begini?
Golongan yang ketiga:
$$$$
dan masanya TAK ADA tuan tuan. Adakah anda di golongan ini? Saya harap
tuan tuan tak berada di golongan ni. Golongan yang macam ni saya panggil
golongan yang buat buat sibuk. Sudahlah $$$$ tak ada, masa pun dia
SENGAJA bagi tidak ada! Kawan bersungguh sungguh mengajak pergi ke
majlis ilmu yang macam ni tapi dia tetap menolak. Kawan ajak untuk
dengar tentang satu peluang pun dia tetap menolak. Kawan yang mengajak
tu sebenarnya begitu kasihkan anda sebagai seorang kawan. Berikan kredit
dekat kawan anda yang anda kasihi tu. Dia sebenarnya hendak anda
bersama sama dengan dia berkongsi satu peluang dan sama sama buat duit.
Lain lain jenis orang yang duduk di golongan ni adalah penganggur.
Golongan yang keempat:
$$$$
dan masanya ADA tuan tuan. Kita sebenarnya dalam hidup ini kalau boleh
taknak korbankan salah satu untuk dapatkan salah satu… betul tak? Kalau
kita cerita bab menikah…… Kalau boleh nak bersanding dengan 4 orang
sekali betul tak? Berbalik kepada golongan keempat ini tuan tuan,
golongan keempat ni $$$$ dia ada dan masa pun ada. Orang golongan ni dia
gunakan $$$$ to work and make $$$$ untuk dirinya dan sebab itulah
golongan ini sentiasa ada masa sebab $$$$ yang bekerja untuk hasilkan
$$$$!
Saya nak cerita tuan tuan, kita sebenarnya tak perlu korbankan salah satu untuk dapatkan salah satu…. tuan tuan.
Ok
kalau kita nak berjaya tuan tuan, ikut macamana orang berjaya,……
berjaya betul ke tak betul tuan tuan? Kalau kita hendak kaya…. kita ikut
jer macam mana orang kaya jadi kaya…. tak perlu nak fikir banyak
banyak.. proven method sudah ada… kita just tiru je. Sama seperti yang
saya cakap tadi.. kalau nak kaya, kita ikut jer macam mana orang kaya
jadi kaya! Betul ke tak betul?
Saya percaya tuan tuan… KEHIDUPAN KITA HARI INI ADALAH HASIL DARIPADA KEPUTUSAN KITA SEMALAM.
Kalau
tidak kerana keputusan kita pada semalam, masakan kehidupan kita
berubah? Bagaimana dengan kehidupan anda jika anda tidak mengambil
keputusan untuk memasuki sekolah, kolej, universiti? mengambil SPM?
Betul ke tak betul tuan tuan? Kalau kita mengambil keputusan taknak
apply PTPTN, tentu kita tak akan pening kepala untuk membayar hutang
selepas kita graduate… betul ke tak betul? Kalau kita tak buat keputusan
untuk guna loan bank untuk beli kereta, rumah…mungkin kita terpaksa
tunggu seumur hidup untuk membeli salah satunya dan yang pastinya yang
lagi satu kita tak mampu untuk dapatkan seumur hidup, betul ke tak
betul? Jadi di sini saya sentiasa percaya kehidupan kita hari ini adalah
hasil daripada keputusan kita semalam. Betul ke tak betul tuan tuan?
Atas
sebab itulah tuan-tuan saya ikut je kawan saya. Saya tengok dia buat
duit, saya ikut saja dia. Alhamdulillah kini saya buat duit hari hari.
betul tak tuan tuan? Siti nak kekal kaya tuan tuan… dia nikah dengan
orang kaya….jadi kalau kita nak jadi kaya.. kita ikut je macam mana
orang kaya jadi kaya. Betul ke tak betul? Siti ingat dapat title Datin
tapi dia dapat title Datuk… ok ke tak ok tuan tuan?
Alhamdulillah
tuan tuan, dari satu keputusan yang mudah tuan tuan saya dapat bulan
pertama tuan tuan……. saya dapat RM 8,000 lebih, bulan kedua tuan tuan
saya dapat tuan tuan RM 10,000 lebih. jadi increment naik sebanyak
RM2000 ok ke tak ok tuan tuan? Tapi yang menakutkan tuan tuan… saya
ingat tuan tuan…. dia naik lagi tuan tuan… dia naik lagi tuan tuan….
pasal apa tuan tuan…. pasal kalau kita cerita pasal internet tuan tuan….
nobody can stop internet kecuali Tuhan….“Maka jadi jadilah ia!!!” takde
orang boleh berhentikan internet tuan-tuan kecuali Tuhan….betul ke tak
betul tuan tuan?
Tapi alhamdulillah tuan tuan…. saya
bersyukur kepada Tuhan tuan-tuan dengan HANYA dengan satu keputusan yang
mudah tuan tuan iaitu berkata YA kepada satu peluang tuan tuan, saya
buat duit tiap tiap hari. Tapi takyah banyak la…. takyah pikir sampai
sejuta sebab kekadang tak tercapai akal kita. Dapat pun tak pernah
lagi…… Betul ke tak betul tuan tuan?
Andaikata dapat
RM100K sebulan macam mana rasa-rasanya tuan tuan? Andaikata dapat RM100K
sebulan tuan tuan, you pegi kedai mamak….. makan roti canai. Order teh
tarik, order roti canai…. ini income you dah RM100K sebulan ni, boleh
tak sheikh?
Apa you nak buat dengan income RM100K?
makna kata dalam setahun kita sudah jadi jutawan… millionaire….betul tak
tuan tuan…. RM100K…. kalau kita order roti canai dan teh tarik,
tiba-tiba cuma teh tarik saja sampai….. roti canai tak sampai-sampai,
apa yang you nak buat? you nak buat apa? setengah jam dah dok tunggu ni…
you nak buat apa? Agak agak apa yang anda akan buat?
Macam
ni, you panggil je tauke kedai tu tolong kira…. roti tak sampai lagi…
tak pe tak pe…. you kira je yang ini, tapi kira sekali dengan you dan
kedai kedai sekali berapa harga?…. ok ke tak ok tuan tuan??? Kalau faham
bagi tepukan untuk diri sendiri…..
Saya nak cerita yang pertama ialah tentang WHY tuan tuan…
Why
ni why notlah! Takde orang yang tak nak duit….. ada tak orang yang tak
nak duit? Cuba angkat tangan…….. kalau ada 2 kali jumaat saja lagi…….
Yang
keduanya tuan tuan saya nak cerita sikit tentang CONCEPT tuan tuan.
Konsep perniagaan ni tuan tuan…. dan yang ketiga tuan tuan ialah tentang
HOW? Macamana nak jana duit tuan tuan….
Yang why ni saya dah cerita dah tuan tuan.. kalau orang tanya why? saya kata why not lah…. betul ke tak betul tuan tuan?
Projek
yang saya nak cerita ni pada tuan tuan dan puan puan malam ni…. adalah
sulit sangat sangat tapi benda sulitlah yang kita nak tahu. betul ke tak
betul tuan tuan….. ok…
Nak tahu ke tak nak tahu?
Nak tahu? Ok… kita mula sekarang ok.
KATEGORI PERNIAGAAN
Ada 4 kategori perniagaan yang kita boleh buat tuan tuan.
Perniagaan
yang pertama ialah perniagaan konvensional. Contoh seperti kedai dobi,
kedai runcit, restoran, klinik dan sebagainya Jenis perniagaan yang
kedua adalah perniagaan Franchise ataupun single level. Contoh seperti
stesen minyak, restoran makan segera spt KFC, Pizza Hut, Mc Donald
mahupun kedai runcit 24 jam seperti 7 eleven, dan sebagainya. Lain lain
seperti bisnes kopitiam… oldtown, oldtaste dan yang sama waktu dengannya
semua ni pun satu jenis franchise jugak tu.
Jenis
perniagaan yang ketiga adalah perniagaan MLM, ada orang kata meniaga
lain macam….. meniaga larut malam…… Di Malaysia ni tuan tuan ada macam
macam perniagaan MLM. Dari A sampailah ke Z. Cuba tuan tuan ingat nama
company MLM. A=Amway, B= ?, C = Cosway, D= DXN, E=? F=? G=? tuan tuan
sambung sendiri. Tuan tuan lebih maklum daripada saya. Yang saya tau….
Z= Zhulian…. itu saja.. semua ada.. dari A to Z….
Perniagaan yang ke empat adalah perniagaan E-Dagang. Contoh Yahoo, Google, Ebay, Lelong.com, Air Asia.com dan sebagainya.
Tapi
tuan tuan kita kena ingat tuan tuan; perniagaan konvensional ni
risikonya tinggi. 5 tahun, 8 tahun belum tentu lagi nak balik modal lagi
tuan tuan. Perniagaan Franchise dan Single Level pula tuan tuan
modalnya tinggi. Baru baru ni saya dengar untuk bukak satu stesen
minyak, keperluan modal permulaannya sudah menghampiri RM1 juta tuan
tuan. Belum lagi bermula berniaga tapi modal yang besar kita terpaksa
keluarkan… selain daripada risiko yang tinggi, modal pun sangat tinggi!
Perniagaan MLM? Saya tak nak kutuk perniagaan ni tuan tuan. Perniagaan
ni memang sudah terkenal dengan mencipta jutawan. Tak kisahlah apa nama
company tersebut namun jenis perniagaan ini menghasilkan begitu ramai
jutawan. Perniagaan E-Dagang atau Wikinomics ini sudah terbukti mencipta
jutawan dengan kadar yang cukup pantas.
Ini
business trend tuan-tuan….ok ini business trend…. kalau kita nak
menjalankan satu satu business tuan tuan…. yang paling penting ialah
kita kena tahu tentang business trend, direction perniagaan yang kita
hendak buat samada berpotensi tinggi untuk masa depan ataupun tidak.
Saya
ambik satu contoh……., Katakan you bercadang untuk menjalankan satu
perniagaan. Katakan perniagaan franchise. katakan you menjalankan satu
perniagaan.. you buat perniagaan apa…. katakan foto kem, foto zoom,
kodak, fuji film…. business you akan lingkup tuan tuan….. sebab apa tuan
tuan….? sebab semua orang dah ada kamera digital, semua pakai handphone
berkamera tuan tuan. Kalau kita pergi kotaraya tuan tuan… kita tengok
semua kedai gambar dah bertukar menjadi kedai handphone…. separuh kedai
dobi separuh kedai handphone.
kalau kita tengok foto kem, foto
zoom, kodak, fuji film…. statistik dia tuan tuan… sales dia menjunam
tuan tuan…. saya tuan tuan…. gambar semua yang saya tangkap…. saya
simpan dalam hard disk… cukup 1000 keping saya hantar ke Siam tuan tuan.
Di Siam tuan tuan cuci baru 5 sen sekeping…. Kalau 2000 keping tuan
tuan….. jumlah semua baru RM10. Bayangkanlah tuan tuan… ini trend….betul
ke tak betul tuan tuan??
Contoh…. tuan tuan …. mari kita tengok
pada tahun 80-an…. masa ni tuan tuan orang main electrical appliances
dan jugak automotive. masa ni kenallah dengan Seng Heng, Seng Hup,
rangkaian HS Lee…. wholesaler, retailer… sapa yang menjadi retailer,
wholesaler pengimport peruncit pada masa tu….pada zaman tu pasti jadi
kaya tuan tuan…..
Dan pada masa ni Proton jugak dilancarkan tuan
tuan. Dan pada masa ni siapa yang main spare part kereta pun boleh jadi
kaya…. Pada tahun 2010 tuan tuan kalau kita nak kaya tuan tuan…. kalau
kita nak buat perniagaan kita kena buat perniagaan berasaskan kepada
internet ataupun e- business. Hendak tak hendak… suka tak ke tak suka,
KITA TERPAKSA JADI KAYA kalau kita buat bisnes ni tuan tuan.
Ataupun kalau nak saya cerita lebih detail untuk anda nampak….
Andaikata
anda lahir pada tahun 1960. Pada masa ni, susu formula diperkenalkan di
negara kita. Maka berebutlah si ibu ibu membeli susu formula dan kita
pun membesar bagai johan dengan susu formula tersebut. Macam
fammiliarkan? MEMBESAR BAGAI JOHAN!!! Johan sungguh company
tersebut….sebab dia masuk ke pasaran pada trend perniagaan yang betul!
Betul ke tak betul?
Ok pada tahun 1970, Kanak kanak tersebut dah
membesar menjadi 10 tahun. Dan pada masa inilah negara kita mula kenal
Coca Cola, Pepsi, F&N yang menjadi kegilaan kanak kanak di
negara ini pada ketika tu.
Then bila tahun 1980, kanak
kanak tersebut sudah menjangkau usia 20 tahun. Dan pada masa ni dah
besar remaja, dah cukup umur. Gatal nya pun macam biasa lah anak muda.
Masa ni kereta nasional Proton dilancarkan dan pada masa nil ah nama
seperti Court Mammoth mula terkenal. Masa ni la kita kenal apa itu
BOOMBOX, HI-FI, TV color,video, walkman, CDman dan di penghujung 80-an
kita mula mengenali huruf huruf dengan lebih lancar…. Iaitu C.D, V.C.D,
L.C.D, P.C dan sebagainya. Pada masa tu juga tuan tuan… kita dah mula
faham bahasa jepun tuan tuan….. sony, aiwa, matsushita, honda, toyota,
hitachi, nissan, panasonic….
Masuk tahun 1990, kanak kanak
tersebut dah berumur 30 tahun tuan tuan. Pada masa ni tuan tuan,
kebanyakkannya sudah berumahtangga. Jadi apabila berumah tangga, kita
perlukan tempat tinggal untuk anak isteri dan orang yang kita tanggung.
Betul ke tak betul tuan tuan? Jadi pada masa ni sektor hartanah dan
insuran meletup letup di negara kita tuan tuan. Pagi menoreh getah,
tengahari jer pakai briefcase, pakai kemeja, slack siap pakai tie lagi.
Kenapa
tuan tuan? Sebab buat kerja part time, jual polisi insuran. Pada masa
ni jugak tuan tuan… syarikat perladangan pun tak nak ketinggalan untuk
join bisnes ni tuan tuan…. pada masa inilah kita dengar IOI… developed
Puchong dari kawasan getah dan sawit ke kawasan perumahan… habis ladang
getah dan sawit di tolaknya dan bertukar menjadi taman perumahan. Sime
Darby buat satu company nama UEP… buka Subang Jaya. Dulu kita kenali
dengan nama rumah pangsa kemudian bertukar ayat kepada apartmen….. dan
kemudian bertukar ayat lagi menjadi kondominium. Setiap kali bertukar
nama, harga rumah tersebut pun naik sekali ganda… keluasan rumah
bertambah 20% dari rumah pangsa tapi harganya berbeza 80% lebih
tinggi….. betul ke tak betul tuan tuan? Pada masa ni juga… kawasan
Sungai Buloh TIBA TIBA sahaja bertukar menjadi DAMANSARA!…. Damansara
Damai…… betul ke tak betul tuan tuan? Nilai harga tanah pun naik la
lagi.
Kalau orang tak tau tanya……. Ko tinggal mana? Aku tinggal
kat Damansara Damai. Ko keje kat mana? Sungai Buloh… so jamlah hari hari
kawasan tu? Iyerrrrrrrrrr…….. Ko keluar rumah pegi keje pukul berapa?
Pukul 7.30 pagi…. hmmm 7.30 pg baru keluar rumah pegi keje kat sungai
buloh? jauhhhhhnyerrrrr……. ko naik moto? Tak jalan kaki jer…. uik…
jauhnya ko berjalan dari Damansara ke Sungai Buloh….!!!! itu kalau orang
tak tahu. Jadi sekarang kalau orang tanya ko tinggal maner? Damansara
Damai….. rasa segan nak sebut Sungai Buloh lagi…… betul ke tak betul?
Jadi pada masa ni tuan tuan, kalau you masuk bisnes ni pada time ni tuan
tuan….. kaya raya anda.. betul ke tak betul? Tapi zaman tu sudah
berubah.
Kemudian kita tengok pula tahun 2000, pada tahun tersebut
sudah berumur 40 tahun tuan tuan. Pada masa nilah sakit pinggang, sakit
lutut, sakit segala jenis sakit mula timbul tuan tuan. Kalau kita
tengok trend pada tahun tersebut tuan tuan, tengok jer orang yang
berumur 40 tahun ke atas je cuba kita approach dia suruh dia beli ubat
itu dan ini. Abang…. beli ubat ni..bagus… hilang rasa sakit pinggang….
bagi orang yang sakit pinggang, untuk hilangkan segera kesakitan
tersebut maka belilah ubat tersebut. Pada masa ini sebenarnya terlalu
ramai “doktor tak bertauliah” di negara ini. Betul ke tak betul tuan
tuan?
Dan kalau tuan tuan rasa tuan tuan nak kaya, kita
sekarang di zaman informasi… zaman maklumat… generasi maklumat. Jadi
trend perniagaan pun sudah berubah kepada informasi. Jadi tuan tuan,
kalau tuan tuan nak kaya tuan tuan kena buat perniagaan berasaskan
kepada e-dagang tuan tuan. Kerana apa tuan tuan…. saya ulangi lagi
sekali…. trend dia memang sudah kena pada masa itu.
Sekarang
2009. Setahun dari sekarang kalau tuan tuan buat betul betul InsyaAllah
tuan tuan SUKA ATAU TIDAK SUKA, SETUJU ATAU TIDAK SETUJU, ANDA TERPAKSA
JADI KAYA!!! Best tak kalau kita dalam tak suka terpaksa jadi kaya? Aku
tak minta jadi kaya… aku terpaksa….. aku tak setuju aku jadi kaya…. aku
terpaksa jadi kaya. Anda jadi kaya kerana anda menjalankan perniagaan
di trend yang betul! Kalau anda setuju, saya tidak sangsi bahawa ANDA
BAKAL MENJADI THE NEXT MILLIONAIRE DI NEGARA INI. Kalau tuan tuan
setuju, berikan tepuk tangan kepada diri anda sendiri.
Dan
perniagaan yang saya nak perkenalkan kepada tuan tuan adalah program
mpglobal2u di bawah kendalian syarikat MP E-Worldwide Sendirian Berhad.
Bila kita cakap tentang trend ke atas ni, bebaru ni kat Chukai,
Terengganu masa saya buat satu taklimat kat sana ada sorang bertanya
dekat saya… ni cik Saiful yang bercakap kat depan…. apa kena mengena
antara MPGlobal2u dengan kerajaan atas langit yang duduk di atas….? Saya
tergamam tuan-tuan… saya kata apa… mmmmmmmmmmm…. macam ni….. kerajaan
langit ayah pin atas lagi dan kita bawah sikit dan kita langsung tiada
kena mengena… Ok ke tak ok?
Jadi hari ni tuan tuan kita tak perlu
bimbang, betul ke tak betul tuan tuan? OK. Ini satu perniagaan kita tuan
tuan… your one global network business tuan tuan.
Oh
ya sebelum saya terlupa, lagi satu saya harap anda jangan “welding
kepala”. Andaikata anda MUNGKIN tidak setuju dengan apa yang saya
presentkan, anggapkan sahaja ini sebagai satu majlis ilmu. JANGAN
PERCAYA DENGAN APA YANG SAYA HENDAK CERITA… PERCAYALAH KEPADA DIRI ANDA
SENDIRI. Nobody is better than you & nobody is smarter than you!
Takde orang lain yang lebih bagus daripada anda dan takde orang lain
yang lebih bijak dari anda! Jadi harap anda dapat enjoy dengan
presentation saya yang santai ini.
