reminder

currently, sy masih baca buku ni: Rich Dad, Poor Dad; What the Rich Teach Their Kids About Money-That The Poor and Middle Class Do Not.

tuk pendekkan cerita, pengajaran2 yg sy belajar dr buku ni.

Pertama:
kecemerlangan di dalam akademik ( conth: SPM straight A's, pas2 dpt 1st class honor degree, sambung Master and PhD) is not enough to promise secure life now and at gold age. there is something that called financial literacy that need to be learn in addition to that..and school n university didn't tech that to us, we have to learn by ourselves.

kedua:
differentiate between asset and liability. when u have great job, big salary, carrying prada bag, driving great car, have ur own big expensive house, having vacation/ holiday overseas, bla bla bla(bak kate org ganu, bleh gi haji balik ari lah!)its doesn't mean that u r rich. rich depend on how much money u can save, not how much money u can spend. if u spend money on house, car, its an expenses. not an asset.

ketiga:
rich people let money worked for them, not worked for money. (mcm kita, kerja dr pagi sampai ke malam, buat kerja kedua untuk dptkn income tambahan, walaupun gaji kita dinaikkan, duit tetap xpernah cukup...sound familiar?) when rich people have money, they invest in bonds, mutual funds, real estate etc... bila dh dpt pulangan bnyk, brlah spend on luxury things that they want. tp kita, dapat duit, terus spend on expenses. inilah yg selalu jadi. dgn adanya pepatah, biar papa asalkan bergaya.

keempat:
jangan takut tuk amik risiko sbb dengan kegagalan kita belajar. erti kehidupan tiada dalam silibus sekolah atau universiti. u will learn much more as u live long enough in this world. n living without knowledge, its very risky. with knowledge, we can avoid and minimize risk.

aper lg..later bila sy dh habis baca, dpt tulis lg....