Well some advice is better then none? But I guess we all know whats comingown the road. I had personal experience during the 97/98 period. Sotake heed and play the cautious tune.
Hello guys,
Tan Sri Nathan has just sent me this mail. I guess he would know as heprobably owns half of the properties in KL hahahaha! But anyway it isprudent to take heed.
Recession is coming...... ......... ......... ..make your own judgment,don't pani c !! Do what is wise.
The recession looks very eminent. It is really time to take pro activesteps to avoid a painful time in the next two years which is how long therecession is expected to last.
Suggestions:
1. Don't take any loans, buy homes, properties with loans, or evencash. Keep as much cash as possible.
2. Pay off as much of personal loans, private loans, as debt collectionwill be hastened.
3. Sell any stocks you can even at lower prices.
4. Take money off from Trust Funds.
5. Don't believe in huge sales forecast from customers, be extremelyprudent, lowest inventories, reduce liabilities.
6. Don't invest in new capital.
7. If you are selling homes/ properties/ cars , do it now, when you canget good prices, they are going to fall.
8. Don't invest in new business proposals.
9. Cancel holiday plans using credit cards.
10. Don't change jobs, as companies will retrench based on 'last infirst out'.
Stay cool, wait, and if you took all of the above actions and more, youprobably will be better off then many.
This is not a rumor. Bear Stearns is the first of many banking and financialinstitutions that will start falling in the not too future. If Bear Stearnscan fall,so can JP Morgan,Citibank, HSBC, and the whole world. US economyfalls, the rest will crumble. India and all those self economies will be themost protected, but not gullible. Europe may be a little stronger, but notChina, another giant! Malaysia will see significant impact.
This is my personal message to my friends, so if you want to, you canforward this to your friends, but I will not be held liable for anyincorrect assumptions.
Regards,
...the novelty that keeps your money growing ! - email dari nenie..
tul tu seme tips tu aku pernah dgr dpd bos financial consultant aku ckp...yg paling terngiyang2 kt telinga aku dia ckp Keep as much cash as possible....hehehe
mase tu aku mengadu masalah aku hutang bnyk kat dia aku takleh nk bergerak cr org .. jam..duit dalam poket tak ader...
dia kate...jual you pny rmh byr seme utang than, keep as much cash as possible... dia ckp masa ekonomi jatuh nanti peluang akan datang..maser tu la penting nyer cash yg banyak...sbb kita mampu grab peluang2 tu..cth share jatuh bole beli harga yg murah, rmh tergadai dijual pada harga yg murah..
azizi ali pun pernah kate maser tahun 1998 tu dia muncul jd jutawan...aku gaser mgkin time tu dia dah ada persediaan cash yg byk...byak business man gulung tikar tp dia muncul sbg jutawan yg baru.... mase aku g course dia tu dia pernah citer dia beli apartment/condo kat bangsar sri penaga masa resesion tu around rm400k...selang 1 year harga dia naik 1M ...pergh...dalam mase setahun jer leh wat duit lebeih kurang 600K...
bos financial consultant aku ckp..now dia dah jual tanah dia kat raub..dia tgh kumpul cash..skrg ekon m'sia tak stabil pasal politik.....ekon U.s pasal sub prima..ekon global plak minyak naik rege....ari sebtu aritu aku bc saham dunia jatuh... bos insurance aku ckp aritu kemungkinan ekonomi dunia akan jatuh lebih teruk slps olympik beijing nnti...
mamat tu pernah pakai merdz tp aritu aku jumpa dia pakai pegueot jerk...so aku rase dia pernah naik b4 thn98 dan pernah jatuh slps 98.....sbb dia main saham...so mamat ni aku buget nak try bangun sml through from his xperience..
so x mustahil la article ni.. tan sri nathan tu boleh own properties half of kl...
Monday, June 30, 2008
Saturday, June 21, 2008
10 Lightening Fast Ways To Escalate Your Sales
1. Sell an inexpensive product to sell an expensiveproduct. If people like your inexpensive product,they'll be persuaded to buy your expensive one.
2. Allow your visitors to decided how much theywant to pay for your product. I only recommend itfor products that don't sell or ones that hardly sell.
3. Create an extra revenue stream with your website's articles or content. Publish the first paragraphof each article and charge people to read the rest.
4. E-mail targeted e-zines and ask them to do ajoint venture with you. Ask them to run your ad andin exchange they get a percentage of the profits.
5. Find a tiny niche for your new free e-zine. Thereare thousands of free e-zines; your e-zine needs tobe extra specialized to attract new subscribers.
6. Test your ads by using autoresponders. You canhave people e-mail your autoresponders to get moreinformation and you just check your traffic reports.
7. Create credibility and trust with your visitors bytelling them something they already know. They'llknow for sure you're not lying to them.
8. Make residual income from your customers byselling back end products. If you don't have any,you could sign up to related affiliate programs.
9. Use a redirect page to boost your sales. Peoplethink the long affiliate URLs look unprofessional ine-mail so you could redirect them to a web link.
10. Create an extra income from your web site bycharging for consulting. The consulting should berelated to your web site's theme.
2. Allow your visitors to decided how much theywant to pay for your product. I only recommend itfor products that don't sell or ones that hardly sell.
3. Create an extra revenue stream with your website's articles or content. Publish the first paragraphof each article and charge people to read the rest.
4. E-mail targeted e-zines and ask them to do ajoint venture with you. Ask them to run your ad andin exchange they get a percentage of the profits.
5. Find a tiny niche for your new free e-zine. Thereare thousands of free e-zines; your e-zine needs tobe extra specialized to attract new subscribers.
6. Test your ads by using autoresponders. You canhave people e-mail your autoresponders to get moreinformation and you just check your traffic reports.
7. Create credibility and trust with your visitors bytelling them something they already know. They'llknow for sure you're not lying to them.
8. Make residual income from your customers byselling back end products. If you don't have any,you could sign up to related affiliate programs.
9. Use a redirect page to boost your sales. Peoplethink the long affiliate URLs look unprofessional ine-mail so you could redirect them to a web link.
10. Create an extra income from your web site bycharging for consulting. The consulting should berelated to your web site's theme.
Saturday, June 7, 2008
Orang Islam mesti ada 3 kekuatan ~ 3 surah
Salam untuk semua kulaan
Saya taipkan terjemahan Surah Al Ikhlaas agar kita dapat menghayati sepenuhnya.
1. Katakanlah (wahai Muhammad); “ (Tuhanku) ialah Allah Yang Maha Esa;
2. “Allah Yang menjadi tumpuan sekelian makhluk untuk memohon sebarang jahat;
3. ’Ia tidak beranak, dan Ia pula tidak diperanakkan;
4. “Dan tidak ada sesiapa pun yang setara dengan-Nya”.
Sekadar menyampaikan.......dari diri yang lemah Pesanan dari seorang rakan....
Assalamualaikum, Just wanna share with everyone kisah benar yang saya lalui.
Baru- baru ni ketika saya nak ke Surau berdekatan dgn rumah saya untuk sembahyang Isyak, seorang pak cik berjanggut putih dan berjubah putih dari jauh melemparkan senyum kepada saya. Kerana masih ada banyak waktu, saya tunggu pak cik berjanggut putih tu dan bertongkat yang tidak saya kenali itu. Timbul di hati saya untuk jalan seiringan ke surau. Bila beliau hampir pada saya, kami saling memberi salam. Orangnya sudah berumur. Tiba-tiba, pak cik itu memulakan perbualan. Beliau cakap dalam bahasa Melayu dan Inggeris yang agak baik. Beliau cakap semua ayat Quran baik dan penting, tapi ada tiga surah yang beliau 'pegang' betul-betul , dan beliau nasihatkan saya supaya pegang betul-betul juga. Beliau juga nasihatkan saya supaya pesan pada anak-anak supaya pegangnya betul-betul.
Pertama, kata beliau, surah Al-Fatihah . Selain penting untuk sah sembahyang, ia juga ada doa minta bantuan Tuhan dan mintak tunjukkan jalan yang betul. Mudah-mudahan dengan 'menjaga' bersungguh-sungguh surah Al-Fatihah, akan terbuka pintu bantuan dan jalan yang betul untuk kita, kata pakcik.
Kedua, Surah Al-Ikhlas . Surah ini, katanya, surah tauhid. Kita mesti ingat Tuhan itu Esa dan semua amalan mesti untuk-Nya. Tak guna buat baik tapi tak ikhlas.
Ketiga, surah Al-Kafirun , kata pak cik. Bahagian ini, menarik sikit. Pak cik tu cakap surah Al-Kafirun ada kena mengena dengan zaman sekarang, zaman globalisasi. Dalam zaman globalisasi, katanya, anak-anak saya mesti diajar supaya pegang betul-betul surah itu. Sebab, dalam zaman globalisasi, anak saya mungkin kena kerja atau belajar sampai ke Amerika atau ke mana-mana. Kalau dia pegang pada surah Al-Kafirun, insya-Allah, dia akan selamat, kata pak cik. Dia akan bergaul dengan orang beragama lain, tapi dia sedar 'untukmu agamamu, untukku agamaku' .
Betul juga, fikir saya. Kemudian, pak cik cakap ada satu lagi perkara yang saya mesti pegang.
Orang Islam, katanya, mesti ada tiga kekuatan.
Pertama, kekuatan minda Minda, kata pak cik, ialah ilmu. Orang Islam mesti ada ilmu, termasuk ilmu moden, ilmu teknologi, ilmu teknologi maklumat (IT) dan sebagainya kerana ilmu-ilmu itu perlu untuk hidup.
Kedua, kekuatan hati Hati ialah iman, kata pak cik. Hati orang Islam mesti kuat supaya betapa banyak sekali pun ilmunya, dia sedar siapa yang lebih berkuasa. Bila ilmu ada iman, barulah ilmu dan hidup jadi betul. Kalau minda kuat tapi hati tak kuat, maknanya kekuatan tak seimbang dan ilmu boleh rosakkan iman, kata pak cik.
Ketiga, kuat fizikal Pertama-pertama, kalau tubuh badan lemah, susah ilmu nak masuk dalam minda, kata pak cik. Kalau pun ada ilmu dan ada iman, jika tubuh badan tak kuat, susah nak beramal. Maknanya, kekuatan masih tak seimbang, katanya .
Habis saja pak cik cakap pasal tiga surah dan tiga kekuatan, beliau minta diri dan hilang dari pandangan saya setiba nya di surau tersebut. Terima kasih kepada pak cik berjanggut tu. Sebelum itu beliau berpesan agar saya sebarkan kepada yang lain. Pesanannya memang baik untuk saya sampaikan. Salam perdamaian - email dari Siti Hajar Bte Abdullah
Saya taipkan terjemahan Surah Al Ikhlaas agar kita dapat menghayati sepenuhnya.
1. Katakanlah (wahai Muhammad); “ (Tuhanku) ialah Allah Yang Maha Esa;
2. “Allah Yang menjadi tumpuan sekelian makhluk untuk memohon sebarang jahat;
3. ’Ia tidak beranak, dan Ia pula tidak diperanakkan;
4. “Dan tidak ada sesiapa pun yang setara dengan-Nya”.
Sekadar menyampaikan.......dari diri yang lemah Pesanan dari seorang rakan....
Assalamualaikum, Just wanna share with everyone kisah benar yang saya lalui.
Baru- baru ni ketika saya nak ke Surau berdekatan dgn rumah saya untuk sembahyang Isyak, seorang pak cik berjanggut putih dan berjubah putih dari jauh melemparkan senyum kepada saya. Kerana masih ada banyak waktu, saya tunggu pak cik berjanggut putih tu dan bertongkat yang tidak saya kenali itu. Timbul di hati saya untuk jalan seiringan ke surau. Bila beliau hampir pada saya, kami saling memberi salam. Orangnya sudah berumur. Tiba-tiba, pak cik itu memulakan perbualan. Beliau cakap dalam bahasa Melayu dan Inggeris yang agak baik. Beliau cakap semua ayat Quran baik dan penting, tapi ada tiga surah yang beliau 'pegang' betul-betul , dan beliau nasihatkan saya supaya pegang betul-betul juga. Beliau juga nasihatkan saya supaya pesan pada anak-anak supaya pegangnya betul-betul.
Pertama, kata beliau, surah Al-Fatihah . Selain penting untuk sah sembahyang, ia juga ada doa minta bantuan Tuhan dan mintak tunjukkan jalan yang betul. Mudah-mudahan dengan 'menjaga' bersungguh-sungguh surah Al-Fatihah, akan terbuka pintu bantuan dan jalan yang betul untuk kita, kata pakcik.
Kedua, Surah Al-Ikhlas . Surah ini, katanya, surah tauhid. Kita mesti ingat Tuhan itu Esa dan semua amalan mesti untuk-Nya. Tak guna buat baik tapi tak ikhlas.
Ketiga, surah Al-Kafirun , kata pak cik. Bahagian ini, menarik sikit. Pak cik tu cakap surah Al-Kafirun ada kena mengena dengan zaman sekarang, zaman globalisasi. Dalam zaman globalisasi, katanya, anak-anak saya mesti diajar supaya pegang betul-betul surah itu. Sebab, dalam zaman globalisasi, anak saya mungkin kena kerja atau belajar sampai ke Amerika atau ke mana-mana. Kalau dia pegang pada surah Al-Kafirun, insya-Allah, dia akan selamat, kata pak cik. Dia akan bergaul dengan orang beragama lain, tapi dia sedar 'untukmu agamamu, untukku agamaku' .
Betul juga, fikir saya. Kemudian, pak cik cakap ada satu lagi perkara yang saya mesti pegang.
Orang Islam, katanya, mesti ada tiga kekuatan.
Pertama, kekuatan minda Minda, kata pak cik, ialah ilmu. Orang Islam mesti ada ilmu, termasuk ilmu moden, ilmu teknologi, ilmu teknologi maklumat (IT) dan sebagainya kerana ilmu-ilmu itu perlu untuk hidup.
Kedua, kekuatan hati Hati ialah iman, kata pak cik. Hati orang Islam mesti kuat supaya betapa banyak sekali pun ilmunya, dia sedar siapa yang lebih berkuasa. Bila ilmu ada iman, barulah ilmu dan hidup jadi betul. Kalau minda kuat tapi hati tak kuat, maknanya kekuatan tak seimbang dan ilmu boleh rosakkan iman, kata pak cik.
Ketiga, kuat fizikal Pertama-pertama, kalau tubuh badan lemah, susah ilmu nak masuk dalam minda, kata pak cik. Kalau pun ada ilmu dan ada iman, jika tubuh badan tak kuat, susah nak beramal. Maknanya, kekuatan masih tak seimbang, katanya .
Habis saja pak cik cakap pasal tiga surah dan tiga kekuatan, beliau minta diri dan hilang dari pandangan saya setiba nya di surau tersebut. Terima kasih kepada pak cik berjanggut tu. Sebelum itu beliau berpesan agar saya sebarkan kepada yang lain. Pesanannya memang baik untuk saya sampaikan. Salam perdamaian - email dari Siti Hajar Bte Abdullah
Tuesday, June 3, 2008
Generasi demi generasi; so ekonomi kita...
KATA IBU...
Masih ku ingat kata-kata ibu sambil memberi wang dan berpesan
Sayang,'Pergilah ke kedai Pak Mamatbeli sekati gula dan sekati tepung kalau tiada pergi ke kedai Maniam kalau tiada jua belilah di kedai Ah Chong'.
Sambil berlari girang dicelah-celah pepohon nyiur yang melambai indah dengan sarang-sarang tempua berhayunan bagaikan buai anaku membeli gula dan tepung di kedai Pak Mamat bertahun-tahun begitu sesekali aku ke kedai Maniam dan Ah Chong.
Kata Ibu:
'Beli dikedai Pak Mamat kita dapat berkat Pak Mamat membayar zakat kalau beli di kedai Maniam dan Ah Chong siapa menanggung dosa kalau mereka jadi kaya raya wang tadi dibina patung-patung dewa kita terheret percuma masuk neraka hanya sedikit yang masuk syurga selainnya masuk neraka kerana subahat membina Muruga dan dewa'.
Kata Ibu:
'Kalau mereka menjadi kaya raya nanti mereka menjadi ceti diberi Melayu pinjamnya wang habis dilelongnya tanah warisan kerana Melayu tak mampu bayar hutang'.
Kata Ibu:
'Kalau mereka kaya raya habis dibelinya tanah dan bendang padi naik harga kerana Melayu hanya jadi kuli bukan tuan kilang bukan kita punya kedai juga bukan kita punya tengok tu minum kopi pun kata mereka sedap dikedai Cina'.
Kata Ibu:
'Kalau mereka kaya raya habis dibelinya pekan dan kampung kita nantinya tinggal dipinggir sungai bakau dan berumah di bukit bukau tapi kini sungai juga dibeli dijadikan kolam udang bukit juga dibeli dibina kondo mewah Melayu mahu tinggal di mana dalam hutan belantara?'.
Kata Ibu:
'Tanamlah kucai kita dapat berkat kerana makan sayur yang tidak subahat kucai di kedai Cina disiram najis babi kalau kita tanam kucai kita gemukkan kucai dengan tahi kambing
Kata Ibu:
Jangan makan tokua kalau tak tahu siapa pembuat nya jangan makan mi kalau Ah Chai yang membuatnya kalau makan makanan subahat hati hilang sinarnya kerana memakan makanan subahat hati dipenuhi bintik - bintik hitam penuh noda dan dosa hati akhirnya mati kita nantinya semakin renggang dari kekasih tuhan kita nantinya menjauhkan diri yang Maha Pencipta dosa kita berganda-gandalalu tuhan turunkan bala'..
Itulah, bila ibu berkata rupanya benar-benar belaka.Fikir-fikirkan.- email dari cipan
Masih ku ingat kata-kata ibu sambil memberi wang dan berpesan
Sayang,'Pergilah ke kedai Pak Mamatbeli sekati gula dan sekati tepung kalau tiada pergi ke kedai Maniam kalau tiada jua belilah di kedai Ah Chong'.
Sambil berlari girang dicelah-celah pepohon nyiur yang melambai indah dengan sarang-sarang tempua berhayunan bagaikan buai anaku membeli gula dan tepung di kedai Pak Mamat bertahun-tahun begitu sesekali aku ke kedai Maniam dan Ah Chong.
Kata Ibu:
'Beli dikedai Pak Mamat kita dapat berkat Pak Mamat membayar zakat kalau beli di kedai Maniam dan Ah Chong siapa menanggung dosa kalau mereka jadi kaya raya wang tadi dibina patung-patung dewa kita terheret percuma masuk neraka hanya sedikit yang masuk syurga selainnya masuk neraka kerana subahat membina Muruga dan dewa'.
Kata Ibu:
'Kalau mereka menjadi kaya raya nanti mereka menjadi ceti diberi Melayu pinjamnya wang habis dilelongnya tanah warisan kerana Melayu tak mampu bayar hutang'.
Kata Ibu:
'Kalau mereka kaya raya habis dibelinya tanah dan bendang padi naik harga kerana Melayu hanya jadi kuli bukan tuan kilang bukan kita punya kedai juga bukan kita punya tengok tu minum kopi pun kata mereka sedap dikedai Cina'.
Kata Ibu:
'Kalau mereka kaya raya habis dibelinya pekan dan kampung kita nantinya tinggal dipinggir sungai bakau dan berumah di bukit bukau tapi kini sungai juga dibeli dijadikan kolam udang bukit juga dibeli dibina kondo mewah Melayu mahu tinggal di mana dalam hutan belantara?'.
Kata Ibu:
'Tanamlah kucai kita dapat berkat kerana makan sayur yang tidak subahat kucai di kedai Cina disiram najis babi kalau kita tanam kucai kita gemukkan kucai dengan tahi kambing
Kata Ibu:
Jangan makan tokua kalau tak tahu siapa pembuat nya jangan makan mi kalau Ah Chai yang membuatnya kalau makan makanan subahat hati hilang sinarnya kerana memakan makanan subahat hati dipenuhi bintik - bintik hitam penuh noda dan dosa hati akhirnya mati kita nantinya semakin renggang dari kekasih tuhan kita nantinya menjauhkan diri yang Maha Pencipta dosa kita berganda-gandalalu tuhan turunkan bala'..
Itulah, bila ibu berkata rupanya benar-benar belaka.Fikir-fikirkan.- email dari cipan
Monday, June 2, 2008
Watch your life
*Your life - your likes - you decide!!!*
A long time ago, there was an Emperor who told his horseman that if hecould ride on his horse and cover as much land area as he likes, then the Emperor would give him the area of land he has covered.
Sure enough, the horseman quickly jumped onto his horse and rode as fast as possible to cover as much land area as he could. He kept on riding and riding, whipping the horse to go as fast as possible. When he was hungry or tired, he did not stop because he wanted to cover as much area as possible.
Came to a point when he had covered a substantial area and he was exhausted and was dying. Then he asked himself, "Why did I push myself so hard to cover so much land area? Now I am dying and I only need a very small area to bury myself."
The above story is similar with the journey of our Life. We push very hard everyday to make more money, to gain power and recognition. We neglect our health , time with our family and to appreciate the surrounding beauty and the hobbies we love.
One day when we look back , we will realize that we don't really need that much, but then we cannot turn back time for what we have missed.
Life is not about making money, acquiring power or recognition . Life is definitely not about work! Work is only necessary to keep us living so as to enjoy the beauty and pleasures of life. Life is a balance of Work and Play , Family and Personal time . You have to decide how you want to balance your Life. Define your priorities, realize what you are able to compromise but always let some of your decisions be based on your instincts. Happiness is the meaning and the purpose of Life, the whole aim of human existence.
So, take it easy, do what you want to do and appreciate nature. Life is fragile, Life is short. Do not take Life for granted. Live a balanced lifestyle and enjoy Life!
Watch your thoughts ; they become words.
Watch your words ; they become actions.
Watch your actions ; they become habits.
Watch your habits; they become character .
Watch your character; it becomes your destiny
Smile in pleasure, smile in pain; Smile when trouble pours like rain; Smile when someone hurts U, Smile coz someone cares 4U. Keep Smiling:) - email daripada Surina
A long time ago, there was an Emperor who told his horseman that if hecould ride on his horse and cover as much land area as he likes, then the Emperor would give him the area of land he has covered.
Sure enough, the horseman quickly jumped onto his horse and rode as fast as possible to cover as much land area as he could. He kept on riding and riding, whipping the horse to go as fast as possible. When he was hungry or tired, he did not stop because he wanted to cover as much area as possible.
Came to a point when he had covered a substantial area and he was exhausted and was dying. Then he asked himself, "Why did I push myself so hard to cover so much land area? Now I am dying and I only need a very small area to bury myself."
The above story is similar with the journey of our Life. We push very hard everyday to make more money, to gain power and recognition. We neglect our health , time with our family and to appreciate the surrounding beauty and the hobbies we love.
One day when we look back , we will realize that we don't really need that much, but then we cannot turn back time for what we have missed.
Life is not about making money, acquiring power or recognition . Life is definitely not about work! Work is only necessary to keep us living so as to enjoy the beauty and pleasures of life. Life is a balance of Work and Play , Family and Personal time . You have to decide how you want to balance your Life. Define your priorities, realize what you are able to compromise but always let some of your decisions be based on your instincts. Happiness is the meaning and the purpose of Life, the whole aim of human existence.
So, take it easy, do what you want to do and appreciate nature. Life is fragile, Life is short. Do not take Life for granted. Live a balanced lifestyle and enjoy Life!
Watch your thoughts ; they become words.
Watch your words ; they become actions.
Watch your actions ; they become habits.
Watch your habits; they become character .
Watch your character; it becomes your destiny
Smile in pleasure, smile in pain; Smile when trouble pours like rain; Smile when someone hurts U, Smile coz someone cares 4U. Keep Smiling:) - email daripada Surina
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