Sunday, November 28, 2010

Create and Increase Your Passive Income

Many financial gurus say to reach financial freedom, your money has to work for you rather than you work for money…Passive Income is the best way to achieve this…Financial Freedom is when Passive Income greater than Expenses

Passive Income > Expenses = Financial Freedom

If we google and look at Wikipedia, the definition of Passive Income is an income received on a regular basis, with little effort required to maintain it. That’s mean we work less, have a lot of time with family, can go holiday and do whatever we want anytime

so the next question is, how to create Passive Income?…so below is the list of Passive Income that can be done in Malaysia…some items in the list below are called Portfolio Income, such as royalties and capital gains…but for me, as long as the income required less work, all these can be called Passive Income

* Interest (e.g. saving account, FD)
* Dividend (e.g. ASB, EPF)
* Stock Market
* Property (rental)
* Pension
* Royalty / Intellectual Property
* Unit Trust
* Franchise
* MLM
* Insurance
* Affiliate Program
* Partnership Investment
* Commodities Investment (e.g. Gold, Silver)

Copy & paste from http://www.bebas-hutang.com/

Monday, November 15, 2010

Percutian saya..

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Da selesAI injection kedua….hehehehe……..x sakit…pas 2 mr shrek dtg amek…masa aq dtg puncak alam..beg yg aq bwk 5 bijik jer,,,mse nk balik nie jd 9 bjik……..pening2…sib bek mr shrek kasi smpan kat umah dia…tq mr shrek…sowy coz jual mahal sebelum 2…huhu……..
Yeaaaa…….back 2 kedah….means..no laptop..no internet….haha….tata fb..blog..ms..tagged…ym..dan laen2…walaupun sebulan jer…haha…
Hari nie aq brcuti sambil tnggu mr shrek keje…huh..<--(owg yg x pernah cuti)
Aq dengar laguu smbil taip2…konon nyer aq ag sibuk pd dya laa….klu tauu td aq amek buku “nak ke tak nak” ..hm tuah iskandar nyer 2…ley gak motivate diri..ceewaahh…sebelum nie aq lg bce novel dr bku motivasi…x sabar balik..nk bce novel yg 4 buah dhadiahkan oleh mrshrek….mcm2 dya kasi…malu tol…(termasuk baju yg aq pke ari nie…sengal..hahaha…)
Ucapan cket…”setinggi2 penghargaan saya ucapkan kepada mr shrek…trima kasih…sekian”hahaha..
Kecian mr shrek…mse birthday dya aq exam…x der adiah lak 2…hehe…twok tol…layak kah sy tuk anda…ceewaahh..mcm maner pown…hepy besday 2 u…hepy besday 2 u..hepy besday 2 mr shrek…hepy besday 2  u…………….
Arinie aq rase nk jd sultan coz x dapat nek kuda…tempat 2 ttp kul 4…fionaa sangat kecewa mautt….klu jd sultan kan bez…aq Cuma perluu ckp..”arinie beta rasa nak tunggang kuda”…tros ley tunggang kan<--fiona yg sengal,nk jd sultan semata2 nk naek kuda…derita nya bila per yg kiter nak x dpt…da laa tngah selesema…idung tersumbat twok…….idung..jgn laa osak..sy nk balek kedah..
Ujan..sejuk….demam..tdo…hahaahaha…2 jer dlm fkiran Fiona…tp klu tdo pown x bez gak…nampak sangat kebosanan…….
Ooww yea….aq lom citer abis about g kenduri @ umah kaktirah… kiteowg sempat  g pd jap…..pantai+laut…tingat lak percutian keluarga kat langkawi dulu…oleh kerana Fiona nie sengal..masa 2 umo Fiona lebey kurang 2 taun…just g bercuti ngan papa,mama,kakak jer laa…nana n firdaus lom ader ag…hehe..langkawi..of coz laa wajib g pantai…klu x g pantai..x bermakna laa percutian ke langkawi…tol x??haha…nk tauu…masa 2 fiona takut ombak..kakak,papa,mama…sume Fiona x kasi turun mandi..jd sume g ngok pantai jer…hhahaha….cian sume…percutian 2 hancur disebabkan kesengalan Fiona..huhu….da tersasar jauh lak…citer pasal masa kecik2…k…masa g pd ..kiterowg mkn nasik lemak tepi pantai…kteowg gak g pd ostrich…rupanya ostrich 2 ganaz…dya mkn ganaz..takut…….first sampai..
Fiona:mr shrek..t kiter bela ostrich nak?
Mr shrek:ingat zoo ke umah t??
Fiona:ostrich chumel…t fiona nak tungang ostrich …
Selepas sampai..dan selepas mlawat…
Fiona:tanak laa tunggang..so scary…tanak bela gak..
Mrshrek:td semangat……..
Fiona:da cancel..
Huhu…….mcm 2 laa kisah pembelaan ostrich…pas2 kiteowg bli satu cucuk sate ostrich rm1.70..
Mula2 sedap…pastu muak lak……
Ok..pastu g kenduri…bb yg diraikan 2 sangat laa chumel…bez nyer….ngok bb tenang jer..gud2…mke bb 2 mcm kaktirah…huhu……

Sunday, November 7, 2010

hepatitis injectionn ...

Huhu……………..i’m so hepy……………………gumbiraaa………masa g seremban…kite owg g pilah…syg mr shrek so much….faham jer bila aq rndukan pilah….sebelum 2 kiteowg g carnival pengantin…x sangkaa…sangat bosan….mood tros jd buruk bila tangan kena cop…..x puas ati laa kat cop 2….
Masa g pilah sume aq jmpe…mmg nasib aq bek….soo sweet……….(sangat berterimakasih kpd mr shrek)…
Ermm…………….dengar cite da nk kena  inject hepatitis ag……..aq sangat x ska injection hepatitis….sebulan sebelum nie da kena….aq adalah antara owg yg terawal kena inject masa 2……coz pas2 aq der praktikal exam…
Fiona:sakit x injection nie??
Nurse:pernah kena gigit ngan semut merah x??
Fiona:pernah jer….sakit gak….
Nurse:jadi sakit r….jgn tarik tangan tauu …sy nk inject niee…..
Fiona:ati2 taww……..jap2……….wat yg terbaek…
Nurse:ye…keje sy kan…k…masukkan..
(dlm ati Fiona:x sakit pown)
Nurse:tarik nafas…hembuss perlahan2….
(dalam ati………….huuuwaaaaaaaaaaaaaa………………sakit giler masa hembus nafas……..huh………..)
Fiona:sakit nyer………..siyes sakittt…..tq nurse…

Yg bez nyer pas2 masa aq g praktikal exam langsung x rasa papew….padahal bkn men hebat ag aq pusing microtome……lpas2 balik umah……rasakaaaannnnnnnnnnnnnn…………………lebam wes…darah kumpul c2…saket…………….

Friday, November 5, 2010

pilah vs puncak alam

Tengah menunggu mr shrek solat jumaat…lallallaa….busan lak…hehe…on9 d kfc….tenet sangat laa lembab…sedey tol…..ari nie nk g nogori….kwn nyer kenduri….tq kaktirah jemput kiteowg…hehe…..dpat gak la pe g kew negeri yg penuh kenangan 2….
Jap g mst jumpa terminal 1….kat c2 aq n mr s brjmpe first time….maluu nyer…sowy mr shrek…imbau kenangan jap…hehe…..nk g kuala pilah kalau ley…..kan bez…po gi pokan..nek basikal…tongahari..tongah panas…..lalaalala…ßlgu pemes  nogori…
k…dah…ckup….nk g nogori…tp wat kan aq nak taip pasalpuncak alam plak….perbezaan laa…puncak alam n kuala pilah….
 huhu...........puncak alam x sehebat kuala pilah....tempat yg sedang membangun...utan pn sikit jer...kat sini..lebey kurang brkenalan kali ke2 laa....sebelum smpe sini aq ader 2 pilihan...aq dapat wat nurse..spa...dan teknologi makmal perubatan uitm...agak konfius masa 2...hehe....last2...discuss wif papa...aq pown pilih uitm…kat sini laa..bermula langkah seterusnya...pendaftaran d puncak alam agak kelamkabut...huhu...sangat dashat..n kebanyak kan kat sni from pilah...jd da brkenalan awal daa..kat sini 1 rumah..8 owg...1 bilik 2 owg..umm....ok laa.....huh....ader kakros,eija,kak as,jeyha,risa,aini,pinky dinky doo pown ader...hehe....tinggal kat sini x sebahagiaa kat pilah...klu  kat pilah aq x pernah demam...kat sini aq slalu demam...kat sini pencemaran…pilah lom lg..2yg bezz…
movie nitee..
kalau kat pilah…suma gempak…movie night mlm jumaat….mcm2…klu kat sni…bwu semalam  kteowg spend mse tuk nonton sesame…suma nyer bz…rushing…x der masa…..aq ase dlm umah 2…aq laa pling relax….sume owg non stop bce…aq…nk test cok ..ari nie bwu bkak bku…ngeng….aq x pandai nk study awal2….pelik nyer makhluk asing niee….
Petang semalam aq n kwn2 layan citer shaun of the dead..mmg bez….rupanya kakros tkt zombie…hehe….sebenar nyer semalam aq da tngok kali ke 4…tp wat2 lom ngok… sengal kan….hehe…..crita 2 klalar…tp sebab ngok ngan kak ros…aq pown terkejut2…padahal da kali ke4 ngok…
Pas 2…mlm kite owg layan hindustan sempena deepavali….layan….aq nangis2…pusing blakang…sume tetido…sengal korgg……..aq ckp sorg2 sebelum 2…kabii kusyi kabii ghammm…..hehe…

2 laa saat bahagiaa aq kat punck alam….tq sume…..
pilah....aq ingat ag...kiter lyn totoro...padahal cok 2 aq exam physic...sib bek lulus..hahahaa.....citer paling aq ske...totoro..
Masa makan
Huhu……..masa makan ….klu kat puncak alam…beli sesame n makan sesame….wak2 ni laa masa bergurau…borak hal semasa…mcm2….tp slalu nyer aq  makan kat kafe…ngan mr wan....tp  x slalu….sebab aq makan tengah ari kul 1-3….durang kul 11.30am….tengahari ke???(sebenar nyer waktu 2 aq bwu sarapan…)
Kalau kat kuala pilah…setiap masa ley borak…hal semasa….walaupun bilik aq sepah…kawan2 kat seri menanti 6 rumah 24 tuu still ske lepak bilik aq….hehe….tp kdg2 kite owg tukar gak tempat lepak…hepyy giler….balik klas da der gossip bwu,…hehe….zaza..kaktirah..pnaz…leha…mai….sume der citer sendiri….e2 laa kiterowg….masa makan kiterowg sama kat pilah…cume kdg2 aq n zaza g mkn ngan kwn2 microb yg len….e2 pown bez gak…z,dila,is,epol,din,man,zul…kwn2 ladang warp,adam…sebenar nyer ramai ag…x larat nk taip..t penuh nama jer…hehe…termasuk abg2 n kakak2 n makcik2 n pakcik2 kat kafe 2……irfan pown skali..(anak kakak kafe)..rinduu irfan…zaza ckp irfan da besar skunk…da x jerit2 cam dulu…dulu aq n zaza suke curi irfan,…wat bf…hehe…
Outing
Huhu……….kat puncak alam ..x pernah outing sesame….kat pilah..x slalu sume g…tp ley kate setiap mnggu ader gak lak kuaa…..(bus free..kua jer laa)hehe….habis kuat g gedung minang yg xder pape 2…abes jauh g terminal 1….hehe….g ngok wayang sesame…aq ingat ag…kiter ngok citer harry potter…half blood prince…siyes aq gnduu korg….dlm pangung 2 mcm2 kiter Nampak..hahahahha…..kenangan…..bile nk dpt cam2 ag???
Dah..
Ok laa…da kul 2…jap g datang laa mr shrek aq….huhu…k…t sambung story…