MAKE SOME INCOME (By Nik Zafri)

The strategies employed to invest and increase income are often complex and multifaceted when it comes to "practical".

However, I found some common themes emerge all the time which I sum up as the core investment strategies.

1) Diversification

Spreading investments across various asset classes (stocks, bonds, real estate, commodities) to reduce risk is one good move.

2) Long Term Perspective

Always focus on building income over time rather than quick gains. In short, greed will make you lose, so be patient.

3) Leverage

When you borrow, increase them on potential returns - it's risky but once you strike, it's worth. You can also get ASB loan and let them invest or reinvest for you. In the long run, you might get handsome returns

4) Get a good advice

Although Warren Buffet might not agree with me, but if you can afford it especially when you have no experience, it's logical to employ financial advisors or wealth managers to handle investments.

5) Always pay tax but optimize them

Draw up a good strategies to minimize tax liabilities but never avoid from paying tax

There are quite a number of investment vehicles.

1) Stocks and Bonds

Investing in publicly traded companies and if you have heard of government debt, go for them.

2) Real Estate

Own properties for rental income or appreciation.(REIT)

3) Private Equity and Venture Capital

Investing in startups and private companies.

4) Hedge Funds

Pooled investment funds that use various strategies to generate returns.

Alternative Investments can be purchase of assets like art, collectibles, and commodities.

Additional Soft Income-Building Sources

1) Business Ownership - Creating and growing businesses.

2) Intellectual Property - Developing and protecting patents, copyrights, and trademarks.

3) Inheritance - if you come from a rich family.

4) Risk-Taking - Pursuing high-reward, high-risk ventures.

5) Networking - Building relationships with influential people.

Also, think the way successful people think.

You must have access to information for e.g. exclusive investment opportunities and market insights

You must adopt a risk tolerance attitude - allowing yourself to pursue higher-return investments.

Have a long term perspective (Time Horizon) - enabling yourself to weather market fluctuations.

Good luck, just sharing my perspective from my so-called research. No guarantee of success unless you really work hard and do not let failure stop you. Remember, investing involves risk, and past performance is not indicative of future results. Just conduct thorough research or consult experts before making investment decisions.

SIMPLE THINGS THAT MAKES YOU HAPPY - PRESENTED TO YOU BY NIK ZAFRI

 

If you find this video useful, do support my cause to make everyone happy

Jangan berbohong mengenai identiti anda yang sebenar

Jangan malu untuk melakukan apa yang anda mahukan

Kerja kuat dan jangan menyerah kalah

Jangan mudah kecewa

Jangan cemburu pada orang lain

Bantu mereka yang memerlukan

Sayangi keluarga anda

Hapuskan kesedihan anda

Senyum

JADILAH DIRI ANDA SENDIRI

ANDA AKAN MERDEKA DIRI

RIGHT DIRECTION BY HAVING RIGHT MIND

 

CARA BERFIKIR DAN BERTINDAK YANG BERJAYA - NIK ZAFRI

I PRAY FOR GOD'S CONTINUED BLESSINGS (BRYAN BEDFORD)

#BryanBedford #FrontierAirlines #EpicBosses

The richness of the soul is always the greatest wealth 

CARA BERFIKIR DAN BERTINDAK YANG BERJAYA - Nik Zafri

Boleh dikatakan kebanyakan dari kita gagal dalam melakukan sesuatu tugasan adalah bukan kerana cara bertindak tetapi CARA BERFIKIR.

Saya pasti ramai yang menggemari topik motivasi termasuklah menyertai kursus, membeli buku, membaca artikel dll yang memaparkan rahsia kejayaan perniagaan mahupun karier.  Ironinya, tidak ramai pula yang berjaya walaupun telah mendapat tip-tip dari mereka yang berpengalaman.

Sebenarnya, kesalahan bukanlah pada bahan motivasi atau teks yang digunakan oleh penceramah atau cara ceramah disampaikan atau apa yang dibaca, tetapi kegagalan itu adalah kerana peserta kursus atau pembaca bahan-bahan itu sendiri.

Ini kerana terdapat sifat ingin berjaya serta-merta dan beranggapan motivasi yang disalurkan kepada mereka adalah berbentuk magis atau “kuasa yang sakti” untuk mengubah hidup mereka dalam tempoh yang cepat.  Ini sebenarnya adalah sifat tergesa-gesa dan juga rasa “tamak” dan bukannya pemikiran positif.

Buktinya, mereka hanya akan bersemangat dalam tempoh jangkamasa yang singkat.  Selalunya mereka akan gagal (malah sentiasa gagal) mengekalkan keadaan “bersemangat” itu.  Bila semangat yang berkobar-kobar itu mula pudar, perasaan mereka akan sedikit demi sedikit diganti dan akhirnya dikuasai dengan “rasa rugi berbelanja untuk kursus motivasi”, “buat habis duit saja”, “tidak menjadi”, “ianya bohong” dsb. Lebih teruk lagi apabila penulis atau penceramah disalahkan – “penceramah itu hanya nak buat duit sahaja”

Tanpa disedari, pemikiran negatif inilah yang akan mencetus gelombang yang dicemari kebencian, irihati, marah, sakit hati, sangka buruk, sentiasa menyalahkan orang lain atas ‘nasib kita, menjadi pasif’ dll. Ini akan menyebabkan golongan ini berada dalam apa yang saya ibaratkan sebagai “causality loop” (1)  – suatu keadaan yang mana golongan ini terperangkap dalam suatu kitaran hidup yang sama, membosankan dan tidak ada jalan keluar. Produktiviti kerja dan keuntungan/pendapatan perniagaan serta urusan anda juga akan terganggu. Anda rasakan seolah-olah anda tidak cukup masa untuk melakukan sesuatu perkara yang penting dalam hidup anda. Disusuli pula dengan rasa tertekan hampir setiap masa, selera makan anda kurang atau terlalu kuat. Lebih teruk lagi, anda dapati anda telah disahkan mengidap penyakit kronik seperti obesiti, darah tinggi, diabetes dll. Dunia anda akan menjadi sempit sehingga hari anda meninggal dunia dengan penuh rasa kekecewaan.

MAHUKAH ANDA MENJADI BEGINI? SAMPAI BILA??

“Apa yang anda fikir, anda akan zahirkan, anda akan menariknya, jika anda tumpukan masa ke atas apa yang anda tidak mahu, maka semuanya yang anda tidak mahukan itu akan dizahirkan, ditarik pada diri anda satu demi satu”

Apa yang dirasakan seperti “kononnya ada perbezaan” dalam kitaran ini – hanyalah suasana yang dicipta dari ilusi dan escapism sekadar hanya mengisi rasa kekosongan dalam diri. Ibaratkan seseorang yang mengubah kedudukan perabut dalam rumah yang sama untuk menghilangkan kebosanan melihat posisi yang sama setiap hari.

(1) A temporal causality loop (or simply causality loop) is a type of phenomenon whereby a specific moment in time repeats itself continually inside an independent fragment of time.

Kaedah terbaik ialah :

1.  Riadah – apabila anda mengesan masalah bakal melanda dan cuba menguasai diri anda :

kosongkan diri anda serta merta, tarik nafas yang panjang – tahan dan hembus perlahan-lahan (3 X berturut-turut), tutup mata perlahan-lahan seolah-olah anda mula tidur, pandang (antara dua kening) seolah-olah anda berada dalam cahaya yang terang bersuhu nyaman, angin sepoi-sepoi bahasa, suasana di tepi pantai yang indah. 

2. Minda -  segera bersangka-baik (yakin yang negatif tidak selamanya negatif dan ianya pasti berubah menjadi positif), banyakkan senyuman, sentiasa berpesepsi positif - mengambil pengajaran dari kegagalan – menjadikannya satu kekuatan untuk bangkit walaupun jatuh berkali-kali, tidak mudah berputus asa, jika anda sakit - anda akan segera makan ubat dan bertemu dengan doktor, anda akan sentiasa berteguh cita-cita – berusaha ikhtiar – berdoa  - dan berserah setelah bekerja keras untuk mencapai cita-cita yang diidamkan.

Anda akan dapati produktiviti, kualiti kerja malah perniagaan yang anda jalankan mendapat keuntungan (samada besar atau kecil). Lebih menakjubkan anda sendiri tetap berperasaan gembira dan ceria.

PADAMKAN DAN LUPAKAN PERKATAAN ‘GAGAL’ DARI KAMUS DAN DIARI HDUP ANDA

Sekiranya anda boleh berada dalam suasana seperti ini dan mengekalkannya sehingga melihat hasil yang memberangsangkan, saya yakin, gelombang yang dicetuskan dari diri anda adalah berbentuk positif, anda mendapat ketenangan menerusi kesabaran, sentiasa gemar mendapatkan nasihat yang baik, sifat ingin mencontohi mereka yang berjaya malah anda akan kagum melihat mereka yang gagal tetapi tidak pernah putus asa dan bangkit dari kejatuhan dsb.

Anda juga akan bersifat lebih menyintai kemanusiaan – tiba-tiba terasa perasaan insaf dalam diri anda, tiba-tiba menjadi seorang penderma yang ikhlas – membantu mereka yang dalam kesempitan – menjaga alam sekitar – dll.

Anda menjadi seorang pemberi yang tidak pernah mahukan sebarang balasan kerana anda yakin bahawa setiap kebaikan akan dibalas dengan kebaikan. Tanpa disedari, anda juga mendapati anda dikelilingi oleh mereka yang berfikiran positif dan sentiasa berjaya.

Malah tidak mengejutkan saya jika anda akan dapat "hidupkan jiwa-jiwa yang mati" dan mereka yang pernah gagal akan menjadikan anda sebagai contoh untuk mereka kembali berjaya!!

Kekuatan minda umpama ini sangatlah luarbiasa – ianya mampu menukar suasana  ‘causality loop’ kepada ‘ripple effects’  (2) yang membuka peluang demi peluang (seolah-olah tidak pernah kehabisan) dan anda rasakan diri anda sangat bertuah, menyedari betapa luasnya dunia ini terbentang menyediakan pelbagai perkara menarik yang masih belum anda terokai.  

(2) the continuing and spreading results of an event or action.

Anda menjadi seorang yang idealistik dan inovatif.  Andalah pelukis hidup anda sendiri. Anda juga menjadi seorang yang suka berterimakasih dan selalu bersyukur kerana dikurniakan akal yang bijak dan matang.  Pola pemikiran ini akan mempengaruhi tindakan anda. Anda sentiasa melihat jalan keluar dari segala masalah anda. 

Objektif anda adalah satu : “UNTUK BERJAYA”

PILIHLAH MASA DEPAN YANG CERAH SEKARANG!

HI-IMPACTS - by Nik Zafri

UPDATE WEEKLY


Hi Impact Lesson No. 1 : (February 04, 2014)

IMPROVEMENT

(1) You need to improve yourself
(2) Then your family
(3) Then your surroundings
(4) Then your friends around you
(5) Then a bigger group
(6) Then the society at large
(7) Then the district(s)/region(s)
(8) Then the country
(9) FINALLY THE WORLD

Hi Impact Lesson No. 2 : : (February 05, 2014)

MAKE THE DIFFERENCE

What can you do to make the difference to the world that you live in?

What would be your contribution to ensure the realization of that difference?

a) Make a generous donation to the needies
b) Create job opportunities
c) Join the volunteers group
d) Inspire others
e) Help find or research on cures/vaccines for critical plague/deseases

Don't have the time, then MAKE the time!

Hi Impact Lesson No. 3 : : (February 05, 2014)

PLAN

a) Plan properly - Work Program, Product/Services Plan, Milestone, KPI/KRA, Objective, Vision-Mission-Objective-Goals, Policy etc.

b) Resources - Budget, People, Plant & Machinery, ICT, HR, Conducive Working Environment

Hi-Impact - Lesson No. 4: (February 11, 2014)

BE SMART - WORK HARDER

a) Venture into new things
b) Learn new things
c) Improve the branding
d) Improve business development
e) Be susceptible to surroundings
f) Get back into the marketplace
g) Follow and exceed the trend - take one step ahead


Hi Impact Lesson No. 5 (February 23, 2014)

INVENTION VS INNOVATION

a) Invention is different than innovation
b) Invention is scientific but Innovation is Technology
c) Invention needs Innovation.
d) Innovation needs Invention
e) Innovation of existing invention is considered "a new invention"
f)  Inventing a new Innovation is considered "a new invention"

Hi Impact Lesson No. 6 (February 25, 2014)

CONTINUAL IMPROVEMENT

a) Reducing non-conformities in product and workmanship
b) Academic (Study & Book Smart) vs Competency (Practical and Street Smart) Both are required equally depending on what you are talking about.
c) Training and Advertising - Core success secret recipes
d) Don't think you are smart enough - there are others aobut to be smarter than you are - compete!
e) Don't stay too long in a comfort zone
f) Challenging your current policy and objectives - make them better - relate it closer to your scope of work/services/product provision

g) Always exceed your client's expectations!

THE POWER OF TELLING THE TRUTH - By Nik Zafri

In this brief article of mine, I will not mention names of company or individuals involved. Just something that can be seriously considered before laying off workers.

ABC company is a diversified business entity. So, comes one fine day when the Executive Commitee decided to lay off at least 500 nos. The MD was furious and told the members of the board - NO WAY...we won't have enough despite the members were saying "We can outsource certain services" (typical corporate excuse)

But of course, being the major shareholder and owner of the company, the MD has the final say. So he arranged for a special small convention to see ALL the workers, executives and senior executives - surprisingly together with their families.

The MD told them the truth of what's happening in their company and he gave everyone a choice, to leave with some gratuities/compensation or VSS or to stay on with less salary with one assurance; should the company 'goes up' again, they will be rewarded.

ALL the workers, execs and execs, DECIDED TO STAY! and WORK HARDER with little pay. Even the union known to reject also AGREED to stay.

In 6 months, the company profitted tripled and everyone was happy receiving their rewards as promised.

I'm sure I don't need to tell what's the morale of this true story. Imagine, a simple telling the truth would do to you.

Posted: 04 November 2007 at 3:54pm - The STAR Global Malaysians Forum - hread "Moment Silence"

I was asked by one forumer on 'one post' here in Global Malaysians that read :

nikzafri wrote:

Foo and everyone.I do not know if you people believe in the universal
or cosmic power that talks about laws of attraction. It is the one 'moment in time'
when you give to the needies or being good samaritans, and for some reason,
you 'overlook' the thought of getting something back in return but quoting Foo
- "done in good faith and humanity"In most cases, you WILL get something back
(some sort like a 'reward' for good deeds - provided that you're not hoping for
something in return).

Has it ever occur to you that why do philantropists making good habits to give 1/2 or 1/4 of their wealth for good causes? Oooo..some people told me, it's because to avoid tax. But try to think for a while if you are to become very very rich and you've got everything in the world that you've ever wished for, what else is there to do with the balance? Keep it to yourself? 'm sure you all know who Bill Gates is. He was the President of Microsoft once and he got so bored sitting up there and went down 'demoting' himself to become the Marketing man and start pushing Microsoft's marketing.

Then he somehow felt that it's time to pass over to new breed and blood and now he's in his very own foundation..doing what? Becoming more generous and generous.I recalled talking to Gerard Lee about this matter but in the economics perspective -
i.e. Liquidity in the long run. But not so many people has this kind of 'faith'
(even if they do..they can't stand the pressure too long)...most of them are impatient...when they give something, they do want something back in return and fast!

Someone very wise told me the following words: "If you are too obsessed in chasing for richness, you cannot define yourself as working hard, but you are; in fact; greedy. Just stop the chasing for a while and you'll see, the richness will come to seek you."

"There's no such thing as a "Perfect Human Being"....when you try to be too perfect & cannot afford to make any mistakes, you're killing yourself or worse commit suicide..but if you can afford to make mistakes and learn from them - that's what being human is all about..not a perfect human but human."

Another ruling on the laws of attraction states that instead you're focussing your inner powers so much to weaken certain people in order to 'take over' their position, you are actually making them more powerful and usually you'll loose in the end. On the other hand, you should focus and telling yourself these positive vibes- "I can do it..I can do it...I can do it...I will succeed, I will succeed, I will succeed" or if you want take him/her to become your idol, you can tell yourself "He's/She's a normal human being, he/she has brains, he/she works hard....So do I"Something for you all to think about.

Cheers (I'm off to work again)
--------------------------------------

The questions are about to know more about Laws of Attraction - among others:

1) Logical or not logical?
2) How it is actually done?
3) Would I be successful?

And I have great respect for the forumer because he/she (?) said :

"Criticize me if you have to! I can take it!" So here goes..

I need to tell this forumer (hereinafter referred to as "You" :-)) that I myself is not an expert or 'authority' in this field but I can share few tips :

(but alas, for personal reasons, I can't tell you or guarantee success or have I been successful in practising this?Otherwise a lot of people will take my words as gospel)

My answers will be based on few books that I've read from renowned authors such as:

a. Victor Norman Peale
b. Jose Silva
c. Napoleon Hill
d. Wallace D. Wattles
e. Joe Vitale

If you have read any of these books or similar to them, you will know that the first
golden rule of practising Law of Attraction (as they call it today or any other equivalent terms used) is :

a. Cast away your doubts - Believe - in other words - Have faith.

Thus when you asked in your 3rd question :"Will it be succesful?" - Then I would deem that you have broken to first rule by being doubtful? :-)

(inquisitiveness? curiosity? you said? Nay..they are totally different - in spelling and in meaning..inquisitiveness is usually being expressed by a practitioner/believer but he/she wanted to continually improve his/hertechniques) - no offend :-)

Coming back to the first question.

b. Is it logical or not logical.

My answer would be :

The decision of whether it is logic or non-logic is made by you and you alone - not me or not the authors. It is really up to you to reject or accept.

But you asked : Logic or Not Logic...Again the question represents :doubt.

A popular management phrase :

"People will reject something that they don't understand" which is to be simply interpreted as "Rejection to CHANGE!"

(Remember when many ancient scientists been considered magicians and eventually punished unfairly because people at that time REJECT things that they do not understand - luckily I don't live in this era! :-) )

Thus, if you are a teacher, do you find it difficult to explain or to educate the students once they have the REJECTION* attitude/mindset 'built-in'..

I'm sure and really hope - you're not one of them. (*Ignorance/Just Don't want or don't wish to understand or afraid of the consequences) Less but not least,

c) "How is it done?"

My question back to you? Have you actually read any of the books? :-)

How come you're asking me back the questions when you said you have actually READ one of the books I mentioned above? Really?

Now, after you have read my views on your questions, you can now read the non-intellectual tips once you have considered seriously what I've said above. All positive inputs are meant only for positive ouputs.

(Yeah I know people might misunderstood and argue on the typical fomula Positive + Positive but I'm not referring to 3 M (Maths or Marriage or Magnetic Field)..I'm talking about 'karma' or 'what goes around comes around' or whatever you want to call it)

I use to tell my friends all the time :

"If you pose someone a stupid question, (it is likely that) you'll get a stupid answer"

"The mirror doesn't lie to you, it's you who are lying to the mirror"

If you read back the original thread posted here, I was talking about being generous once you're rich. This statement; if not properly understood; might be seen as 'self-imposement of 'self created strict law' that you MUST forced/coerced) give in order to make LOA works! (hahaha..you're DEAD wrong!)

If you think that being generous will make you reap rewards, think again!

(In another perspective, you are teaching 'the man upstairs' of his job...when he already know what his job is...it's you who do not understand..you are providing your own terms and conditions that is "If I give I must get something back" who you're foolin?)

If I am him, I would say to you "You dare to teach me!!" :-) )

a) It is not really being generous when you start lying to yourself - means that
'you are asking/hoping something in return for something you give?" which makes you to a certain degree - an 'insincere' person? Again another golden rule broken.

b) you are creating another 'false rule yourself' about YOU MUST BE GENEROUS when you're practising Laws of Attraction (LOA).

What really is happening to you at this juncture is that without you realizing it, you are actually trying to pathetically xeroxing Bill Gates or Rockafeller without asking them why the heck are you guys being generous? Rule broken again.

The idea of being generous ONLY when you have money is illogical. So, you don't have money, you're not generous'lah'?...a rather narrow thinking - don't you think?

How about sharing food? or giving away/donating your clothes or other valuables to people in need? Being generous is not necessarily because you have money. I don't think you will be successful in your life if you hold to this principle. It's like waiting to be rich first before you can become generous later...hahaha..good luck my friend..

I'll tell you what this 'generous' attitude really means (in my opinion - taking into account the books that I've read):

Being generous is the expression of "being thankful" or "greatful" for "what you have been 'awarded' with..that's all. (and it's not only MONEY!)

Otherwise you'll end being generous because the LOA says so...which is not really accurate. (I'm not saying it's wrong to be generous but change the perspective a bit)

Now, how to create that 'thankful feeling' on the first place? Here are some basics :

Just flashback and remember/recall what has befallen you "BEFORE YOU ARE RICH" in the past? Financial Difficulty? Being Poor? How does it feel like? Would you want to be 'that way' again? Or have you forgotten your 'dark' past?

Only then, you would be really be thankful or greatful and as a result you would be
generous...now this is PURE SINCERITY - (which you will definitely FEEL so good..trust me not to mention of donating without wanting publicity (that is a BONUS!)

Thus, you're being generous because you're thankful or greatful for what you have been bestowed with and feel so good when you can help people out...You don't need anything in return because you already GOT IT!

Thus :

Input = Practising LOA
Output = Being Thankful/Greatful equals to "Generosity/Pure Sincererity"

(God..I feel like I'm a somesort of a 'guru' or something...hahaha..funny)

Now this is what I call giving back what you have been given.