Friday, August 14, 2009


A friend of mine was asking me in my FB the other day ,"Dina..if we have an excess of RM100,000, what can we do about it? How to invest? If we want to start a business, what are the possible ways to do it? Assuming we have zero knowledge". (The exact questions were, "kalau kita ada modal 100K, apa yang kita boleh buat ek? kalau nak invest, macamana? kalau nak start business, business yang macamana.....assume kita with zero knowledge.")

My answer was this.
At zero knowledge, you should invest in yourself first. Ie Read books, listen to motivational talks, attend seminars etc. Investing in yourself will never be a waste as you continue to develop yourself into a better person, a well-informed one.

When you have knowledge then you can start investing. But it does not mean that you must know everything first before investing. I have posted in my notes the basic terms that you need to know when you invest. You can either look up in the net or message me if you need help. My presentation slide on passive income posted earlier in this blog can also give you ideas on investment. At this point of time I have not managed to write as much as I like.

Basic investment for now, for you to get started;
1. ASB/ 1 Amanah
2. Bank Persatuan
3. Unit Trust - understand the concept first from unit trust consultants
4. Gold Passbook - I think ada lagi dalam my old notes.
5. Buy Physical Gold and Silver

There are many2 more and I am trying hard to learn as much investment avenues as I can.

Having said all the above before, other sources that people would like to indulge themselves in are
1. online seminars from Renowned Speakers
2. financial books found in major bookstores etc
3. read blogs like mine regularly; there are many out there. Probably blog owners will comment and give feedback on their links
4. Learn from renowned local millionaires like Azizi Ali and Irfan Khairi
5. Browse through this link on passive income to get info

Learning should never ends as The knowledge you apply from Your Learning is indeed POWER!!!

The required steps :-
1. Find your passion
In order for your business to exist in the long run, you must really have passion for it. Otherwise, it will not stay for long.

2. Make a research on the industry of your passion
Know your competitor, who what the customers actually want, survey the appropriate price for the products or services

3. Find a good location
Good location will reduce your time and energy to market the business. Best if you can find area where people are non-stopping going to that area.

4. Strategize the marketing aspects
This is the most important aspect and it is a continuous process. Even if your business has already been established, you still need to review your marketing strategies and adapt them with the current situation. Marketing tools can be website, advertisement in media, social bookmarking avenues, exhibitions and roadshows and word-of-mouth.

5. Build the infrastructure
Essential things are 1. computer with internet connection 2. fax machine 3. positive attitude staff to administer the office

6. Develop entrepreneur attitude and characteristic
There are certain business acumens required in order for you to be successful. Among them are focus, persistent, integrity, honesty and positive. Read a lot of books/journals covering all aspects like management, marketing, economy, tax etc will definitely grow you into a well-informed business owner.

A lot of time and energy are required to build a business. The shortcuts would be
a. to buy existing business
b. to be a franschisee
c. to be an agent to existing products

Hope this helps you in looking at different angles and perspectives.
Spend most of your time now to think about Step 1 and 2 as good planning will certainly boost your business.

Monday, August 10, 2009


I have uploaded a presentation slide on HOT Real Estate in but I could not download them into my blog. Feel free to open this link for the slides.

Otherwise, below is the jpeg format for each slides. Enjoy!!

If you cannot open the link in the slides, you can click here.

Sunday, August 9, 2009


The doa was tagged by Abdullah Siddiq Mohd Nasir to me in Facebook. Hopefully we can benefit from it. Abdullah's link to the doa is at

Another experience being posted in

My staff was crying herself sick on Tuesday morning...was told that her son was
confirmed of H1N1 in his Uni at Kangar, Perlis...worse was that when he was bedridden 2 days the warden didnt even bother to sent to hospital till his dad came
fm KL and with his friends assistance brought him to GH Kangar....

No one bothered in the hospital and he was put in the normal ward for another 2
days!!! (imagine the amount of people he has infected!!) .....after 2 days and his
eyes were turning yellow and saliva greenish...he was put in quarantined room...

Called his mom to say...minta maaf and ampun la dosa dia, etc...she practically
fainted just telling me the story.. cant do much cos she x have enough money to go
to the north with the father...

First thing we did was made her call the hospital and insist that they sent him to
Sg.Buloh Hospital or any other hospital in KL since they seemed to be more alert and
more equipt...they refused of I sent her off to Kangar the same day to
solve the problem.

Whilst this was happening, SUBHANALLAH, I had a call from one Ustaz who was in town
to "help cure" another H1N1 child in Shah Alam....and was told this simple
prescription by him.....of course kena redha pada ALLAH and niat dengan sesungguh
nya...selawat 3x...

for those with sore throat please blend the apples and keep on taking till your fever disappear and yr symtoms are gone....I cannot explain it but the child in Shah
Alam was ok too after taking this tip....

ALHAMDULILLAH. staff's son was given the apple juice for the whole day on Monday/Tuesday and dengan kuasa ALLAH he was out of the fever yesterday Wednesday... .she called me and was crying on the phone to say that her son was out
of ICU and was able to eat normally...all these happened within just 4 days today
(thursday 6 august)...

This is just to share with my fellow sisters and brothers and hope this small info
could assist others as well, INSYA'ALLAH!!!!!!! !!! No harm in trying and kuasa ALLAH
anything can happen!!!!


I got this email in my mailbox about AH1N1. The sufferer is the writer's brother whom I do not know personally. Hopefully we are better prepared after this and able to take enough precautions.
Regards, Dina

High risk infection to person yg smooking, has atshma, children, pregnant woman

Beginner stage
Batuk, selsema, demam, sakit tekak, bila terbesin bunyi tak kuat...

Second Stage
Susah bernafas, simtom macam asthma but not asthma, at this stage if you touch the person, or breath in the same room 80% boleh kena...masa ni kena kuarantin... at hospital. Masalahnya sekarang dah ramai yg kena.. hospital tak cukup katil & bilik kuarantin... Bila u pengsan macam nak mati baru dia org admitted.macam kes adik I.

Lung infection. Bila X ray we can see the virus covered the lung. Like my brother case. Very scary bila tengok x ray tu. At this stage u need oksigen with highest level, Strongest antivral..very high drug. At least 7 days oksigen kena bagi. % to recover depend to age, imune badan u. That's why kalau baby atau budak2 susah nak kata...normally die. My brother hari ni genap 8 hari..still need oksigen. Kesian dia. Masa tahap critical tu tercungap2 dia bernafas, sampai menangis..Sampai satu tahap dia berguling atas simen sbb dah tak tahan...sampai dia give up ..sampai dia blh cakap lebih baik Allah ambik nyawa dia...Itu lelaki tu..imagine kalau pompuan atau budak2. We all cuma blh tengok dia dari cermin...tak blh masuk dlm bilik kuarantin... Dr & nurse aje boleh masuh...siap pakai baju plastik. To support him, what we did bagi sms, bagi dia alquran biar dia baca so that dia tenang, bagi tasbih biar dia zikir ingat Allah & bagi Air yasin...Alhamdulill ah pastu dia ok sikit.Ada hikmahnya... All the family member unite to support my brother fighting the virus.

Masalahnya hospital swasta tak terima H1N1 case, sekarang ni semua depend hospital kerajaan yg most of the doctors still young . The oldest dr in my brother ward was 28 years. All the Otai dah pergi private. Lepas tu plak this is the first time to treat H1N1 patient. At the same time dr bz with other case as well...1 doktor 5 patient...kat gov hospital...kesian dr2 tu...berhempas pulas nak selamatkan patient. I appreciate them, mmg very appreciate dia org jaga adik i dgn baik sekali..So far hospital Ampang is the best goverment hospital yg i jumpa..very efficient.Very quick action ..Even senior dia org dah pergi private & they don't have much experience , dia org tetap work hard give the best treatment to the patients..sampai tak balik rumah...tidor kat hospital.

Rasa nak peluk & cium dia org sebab selamatkan adik I...Thanks to Allah


A(H1N1) flu: Updates on 10 FAQs
Dr David KL Quek, President MMA

(1) Can we distinguish between regular and H1N1 flu, without a lab test?

No, the flu is the flu, but there are variations in presentation. Some symptoms such as cough, runny nose, fever, body aches, fatigue, vomiting, diarrhoea occur more or less in every flu patient, but may present differently by different people. Some infected people have very mild symptoms, some in between, and a small minority, probably less than 10 per cent, have severe features including the dangerous pneumonia.

However, from sentinel testing and surveillance by the Ministry of Health the last few weeks have shown that almost 95 per cent of all flu-like illness are now caused by the H1N1 virus. Earlier some months ago, seasonal flu variants caused by the B and other A virus were the main causes, the bug causing most flu these few days is the A(H1N1). This appears to be the case also in neighbouring countries, meaning that the new virus is causing more havoc and symptomatic illness than previous types of flu (which are still in the community).

Because almost every flu-like illness (influenza-like illness or ILI) is due to H1N1, the MOH is now recommending that no testing to confirm this H1N1 will now be offered.

Treat as if this is H1N1 for ILI — symptom relief for mild symptoms (paracetamol, hydration, cough medicines, etc) and self-quarantine, social distancing, be alert for complications.

Most (70 per cent) do not need any anti-viral medications such as Tamiflu or Relenza. Only severe cases need to be referred to hospital for further treatment.

(2) How should doctors decide if a person be given further specific treatment for H1N1?

If after 2-3 days, fever and cough symptoms do not improve, a recheck with the doctor is recommended, especially if there are features of difficulty breathing, severe weakness and giddiness, or, if the following risk factors are present:
1. obesity (fatter patients seem to have poorer outcome and more complications)
2. those with underlying diabetes, heart disease
3. those with asthma, or chronic lung disease
4. pregnant women
5. those with reduced immunity, cancer patients, etc
6. those with obvious pneumonia features

(3) Many anxious people with flu-like symptoms want to be tested or treated for suspected H1N1, but are kept waiting or sent home, without being tested. Is this practice right?

There is no right or wrong practice as this outbreak is extensive and is stretching our resources to the limit. This is also the case not just here in Malaysia, but also elsewhere around the entire world!

The recommendation is now not to spend too much time and effort trying to get tested at designated hospitals or clinics — there is probably no need to do so. I have been informed that as many as 1,000 patients queue anxiously at Sungai Buloh Hospital for testing, due to fear of the H1N1 flu.

So the message must be made clear: Most flu illness do not require confirmatory testing, and are mild and self-limiting. More than 90 per cent will get better on their own, with symptomatic treatment — just watch out for possible complications, and risk factors as mentioned above.

Our resources are limited especially for testing. This is not just for Malaysia, but globally as well. The global demand for test kits and reagents for the H1N1 (PCR) is overextended and are rationed due to this extreme demand.

Some 200 million test kits have been deployed worldwide, but this supply is critically short because of excessive demand, so most countries have to ration testing to confirm only the worst cases, so as to monitor the pandemic better.

(4) Are doctors confused as to what to do in this outbreak, especially when they do not have ready access to confirmatory lab tests?

Not really. Earlier on there was some confusion as to what to do next and who to test or who to refer for further testing and admission. Now the rules are clearer.

There is no need to do any testing to confirm the H1N1 virus for any ILI — just assume that this is the case in the majority of cases. Treat symptomatically when symptoms are mild, reassure the patients and ensure that these infected patients practice good personal hygiene, impose self-quarantine and social distancing, wear masks if their coughing or sneezing become troublesome, and keep a watchful eye on whether the infection is getting better or worse.

If there is difficulty breathing and gross weakness, then patients should quickly present themselves for admission. Understandably this phase of worsening is not always clear or easily understood by everyone... But there is not much more that we can do — otherwise we will be admitting too many patients and this will totally overwhelm our health services.

But prudent caution would help to determine which seriously ill patients need more attention and more intensive care. Unfortunately however, there will be that odd patient who will progress unusually quickly and collapse even before anything can be planned — hopefully these will be few and far between.

A more important note is that all doctors and nursing personnel should be very aware that they too have to take precautions, and employ barrier contact practices, if there are patients with cough and cold during this period of H1N1 outbreak, which is expected to last a year or two. Carelessness can result in the physician or nurse or nurse-aide becoming infected!

(5) Are there sufficient guidelines from the Ministry of Health to address this situation?

I think there are sufficient guidelines from the MOH. Although some politicians have blamed the MOH and the minister for being inept at handling this pandemic — in truth this is not the case.

It is useful to remember that this is an entirely new or novel virus, which no one previously had encountered before — thus its infectivity and contagiousness is quite high and almost no one is immune to this virus.

Perhaps, there will come a time when all the resources from both public and private sectors can be put to more efficient use. Some logistic problems will invariably occur, because human beings differ in their capacity to understand or follow directives, whatever the source or authority.

Also patient demands have been extraordinarily high and at times very difficult to meet — every patient necessarily feels that his flu is potentially the worst possible type and therefore requires the most stringent measures and testing...

Doctors are also unsure as to the seriousness or severity of this new ailment — and we are only now beginning to understand this better — so our less than reassuring style when encountering this new H1N1 flu is sometimes detected by an equally anxious patient and/or their relatives.

But there is only so much that we can do under such a pressure cooker of an outbreak which is spreading like wildfire! But nevertheless we should not panic, and remember that most (more than 90 per cent) of infected people will recover with very little after-effects. Possibly only one in 10 patients develop more serious problems which necessitate hospitalisation.

(6) Is limiting H1N1 testing only to those who have been admitted to hospital justifiable?

I have explained the worldwide shortage of such testing kits and reagents. Also it is near impossible to test everyone, the world over. Besides, knowing now that almost all the flu-like illness in the country is due to H1N1 makes it a moot point to want to test for this, especially when most are mild.

The rationale for testing only those who need hospitalisation is to ensure that we are dealing with the true virus, and also help to isolate possible changes or mutations to this viral strain. The MOH is also constantly doing sentinel surveillance (random spot-testing at various sites around the country to determine more accurately the various virus types and spread that are causing ILI).

(7) Are we short of anti-virul drugs (Tamiflu, Relenza)? Should I take Tamiflu?

These antiviral drugs were available to most doctors during the earlier scare of the bird flu virus, but now are severely restricted, although some orders are still entertained from individual doctors, clinics or hospitals. Remember that these have been block-booked by more than 167 countries which have been shown to have been penetrated by the H1N1 flu bug.

Our MOH has actually stockpiled some two million doses of the Tamiflu or its generic form. In the last inter-ministerial pandemic influenza task force meeting, this stockpile will be bumped up to 5.5 million doses to cover some possible 20 per cent of the population.

Right now there is no shortage in the country. It is just that it is not readily available on demand for anyone just yet. The MOH is still of the opinion that this antiviral drug be used prudently and would like to register every patient given this drug.

The private sector on the other hand would like to have a looser control over the use of this drug — but we acknowledge that we should be meticulously prudent in its use. There is a genuine fear that resistant strains to this drug may develop with indiscriminate and unnecessary use — then we will all be in trouble with a drug-resistant H1N1 virus run amok!

Drug-resistant strains have been detected in Mexico, border-towns in the US, Vietnam, Britain, Australia even. So we have to be vigilant and closely monitor the situation. Right now, the very limited usage of Tamiflu gives us good reason to be optimistic.

However, because of some unusual patterns of seemingly well people dying or having very critical infections, some people and doctors are wondering if these new strains have already reached our shores... or have we been too late in instituting proper treatment... ?

The rising number of deaths to 14 now is quite worrisome, but our health authorities are watching this development very closely and are also checking the virus strain to see if this has mutated. We can only hope that this is not the case, for now.

(8) What are some of the problems faced by doctors in dealing with the H1N1 problem?

It would be good if every medical practitioner keeps a close tab on the H1N1 pandemic, and remain fully aware of the developments and changes, which are evolving daily. Every doctor has to be learning on the trot, so to speak, to keep up with the progress of this outbreak and its management, so that we can serve our patients better.

Logging in to the Internet regularly for more updated information will certainly help, instead of lamenting that not enough is being disseminated via the media thus far... Every doctor has to be more proactive and practice more responsible and cautious medicine during this trying period which is expected to run into at least one to two years. Importantly, look out for lung complications, and the above stated higher risk profiles, and refer these patients quickly for further care.

Easier access to antiviral drugs and their responsible use and monitoring would help allay public fears of delay in treatment, but this should be tempered with care and not over-exuberance to dish out to one and all, the precious antiviral drug, just for prevention — this may be a very bad move which can inadvertently create a worse outcome of drug-resistant bugs.

However, in the light of the very quick deterioration of some young patients who have died, it might be prudent to use antiviral treatment earlier and more aggressively.

We look forward to the specific H1N1 vaccine, when it does come our way, probably towards the end of the year. In the meantime, encouraging those in the front-line, heart or lung patients and frequent travellers to have the seasonal flu vaccination is a useful adjunct to help stem the usual problems from other flu types.

(9) Are we doing everything that should or needs to be done?

Yes, if you check what other nations are doing, we are doing relatively well. We are not overstating the dangers and we have been quite transparent on the possibilities of this pandemic. Earlier, many agencies and even the public and doctors have accused us of exaggerating the pandemic, and our response was dismissed as being too much, even over the top! Unfortunately, it was only when some deaths occur that many are now decrying that we have done too little!

Also if you are quite honest about it, just compare with the countries globally, and you will notice that no one health or government authority has got this right, spot on.

We are all learning about this novel flu pandemic, and each country's response is coloured by its past experiences. In Hong Kong, China, Vietnam, Singapore and Malaysia we have had the SARS outbreak, so we are necessarily more paranoid! Also here the experience is that flu does not usually cause death in our community, unlike the west where seasonal flu kills some hundreds of thousands every year!

So the fear factor for this H1N1 flu is not nearly as great in the West, although it is slowly sinking in that its contagiousness and infectivity is far greater, and fears of its reassortment to a more virulent mutant form are growing, into the so-called second and/or third wave of this pandemic, but we will not know until a year or so down the line.

(10) Is the public in general doing enough to help in controlling the outbreak?

I think the public is now reasonably well-informed as to this H1N1 pandemic. Perhaps, they are too well-informed, that they have a fearful approach to this virus. But the proper thing is not too over-react and to panic, although I know this does sound easier said than done.

It is almost a certainty that this flu will spread within the community — in schools, universities, academies, factories, work places, offices, etc. WHO has projected that possibly some 20-30 per cent of the population worldwide will become infected by this novel flu bug, after studying various models of spread of past infections — the huge and very rapid spread worldwide is mainly due to air travel. While older flu pandemics took six months to extend to so many countries, this H1N1 flu did so in less than six weeks!

In the worst-case scenarios of course, this outbreak will be alarming — hospitalisations may be required for 100,000 up to 500,000 Malaysians, with perhaps as many as 5,000 to 27,000 infected patients (depending on the case fatality rate or either 0.1 to 0.5 per cent) succumbing to this illness.

But because we have been monitoring closely and containing the outbreak thus far, with heightened awareness and greater social responsibility, it is possible to ameliorate the infectivity, spread and fatality that will unfortunately accompany this pandemic... Just how successful we will be in limiting these adverse outcomes remains to be seen, but we can be hopeful.

How can the public help? First learn and acquire good personal hygiene. If sick, please be responsible and stay at home, even in your own room where possible, wear a face mask (a cheap three-ply surgical mask will do, because large droplet spread is the main danger). Do not go out, practice what is now known as social distancing (about three metres from anyone), and be socially responsible, don't go to public places and infect others — for young people this would be hard, but absolutely necessary — the spread is most rampant in this age group between 16 and 25 years.

When the illness does not go away after a few days or when you are deteriorating, get to the nearest hospital. Most importantly, be very aware and responsible!

Finally, keep abreast of all new developments, because these are evolving all the time. With keen awareness, prudent care, early detection and social responsibility, correct and prompt use of antiviral and other support medical care, and later mass specific vaccination, we can overcome this novel H1N1 flu! But it will take time, patience, public cooperation, much concerted effort and consume great resources.

Dr David KL Quek is president the Malaysian Medical Association.

Wednesday, August 5, 2009


Managing money is easy as long as we can spend lesser than we earn. The problem starts when we start to borrrow; we borrow from banks to buy a house, a car which are the essential things we need to ease our live nowadays. Big problem arise when we just do not buy a reliable car that can bring us from point A to point B. We buy a luxury car that has brand which cost is 100% or more than the cost of the original car. You name it BMW, Merc, Porche. Don't get me wrong. You can buy it if you have the money, by all means, buy.

If we can afford a bungalow, by all means, buy. It will provide us with more space and privacy to us and our family. Do not buy it if deep in your heart, you buy it for the sake of being seen as a wealthier person than those around you.

Credit cards are another culprit in our lives. If we are not money savvy, having more than two cards will get you in a big pool of debt. Credit card should only be used as an advance payment in order for us not to bring too much cash at any point of time. It has to be repaid once the statement of Account comes before the last date of payment. Anything exceeding that will be charged penalties eg late payment penalties, interest on amount being loaned etc. Conventional banks counted the interest on principal plus interest payable which makes it higher amount to be paid by end of the next month. Use your credit cards wisely and do not buy anything you do not need.

Most wealthy people I know as good in managing their finances. They live simple lives, they are networking with good industrious people like them, sharing ideas and business opportunities, and most importantly they are very positive about everything.Sometimes they are even willing to share with us. The problem with us is that we are not willing to be teached and we are being negative about some things. Always pushing off new ideas and not willing to explore things. Opportunities do not come knocking twice, people say.

I was listening to Robert Kiyosaki some nights ago and he was asked whether he wants to share his secrets of wealthiness with other people. He said that he will not give to those who do not want advise/information/lessons. He will only give his secrets to those who want it, searching for it, looking for it. I agree with him totally. People will not appreciate it if we give things FREE.

The terminologies that we need to understand
1. profit and loss
2. balance sheet
3. net worth
4. cash flow
5. NAV
6. Rule 72
7. Dollar Cost Averaging
8. Buy low sell high
9. Buy high sell higher
10. Return of investment
11. Rate of Return
12. Annualised Rate of Return
13. Financial Freedom
14. paasive income
15. passive residual income

16. EPS
17. PE Ratio
18. DE Ratio
17. market price
18. Reserve price

We may not have to master all terminologies before we can start investing. Start small and equip yourself with knowledge along the way. You need to be shown a way?

Sunday, August 2, 2009


I would like to share a learning opportunity that I have just come across' Last June 2009, I got an email from Success Resources about Global Internet Seminar (GIS). It was a three-days event, Friday - Sunday. At first, I was reluctant to go as I planned my leaves a few days before that and another leave at month end. Besides, the cost of the Seminar is another factor for me to reconsider. Luckily I got a Samaritan friend, like Hadee Roslan, that provides me more info in his link. The link was mentioning about the promotional cost of the GIS ~ discounts !!.

Unfortunately, I was not taking ACTION until the next two days, that I commented on Hadee’s link that I may lose the opportunity to the discounted price for the GIS. Lucky for me too that he replied fast enough that when I browse through my notifications that night, his reply was that I might not be too late as the offer was still on. True enough, I signed up on the same night online and got a discounted price attending GIS, just before midnight. I too attached the link in my wallin Facebook but a friend told me that on the very next day, the discounted price was already gone. I am sorry for her but, I wanted to be convinced first before inviting.

Why I finally registered for GIS? There are a few reasons :-
1. I got the Seminar cheaper for the three days in Wisma MCA, KL. Unfortunately I only managed to attend for two days only. At a discounted rate, why not? It is better than nothing. The lessons I learnt were very valuable to me for a not-so-savvy-user-of-internet
2. I want to learn more about Internet Marketing as everyone is talking about Internet Marketing and it is one of the avenues that might be making me passive income. I love fattening my Golden Goose.

I attended that Saturday and Sunday and felt that it really benefits me. I stayed on until 8pm although the planned time was only until 6pm. Alien words like twitter, e-Bay and many others were mentioned. And I feel that the GIS is worth attending, even for a newcomer.

There are many invited speakers at the event speaking about their best passive income avenues. Among them are Stephen Pierce (World’s #1 Internet Wealth Advocate), Ewen Chia (World ‘s No1 Super Affiliate), Patrick Chan (Start Your Own Business Today), Ken Sapp (Twitter), Adam Ginsberg (the eBay Guy) and many others.

One of the speakers is Terence Tan. He was speaking about an online seminar and e-learning with renowned speakers like Robert Kiyosaki, Brian Tracy, T Harv Eker, Anthony Robbins etc. You can even get access to live seminars.

How much do you think a Live Seminar with Robert Kiyosaki cost? Do you know that Robert Kiyosaki was here in Malaysia on 22nd – 24th May, 2009 in his Seminar 'How The Rich Get Richer & How You Can Rich Too'. That Seminar was sold at RM 2,998.00.

Prior to all this, I sometimes browse through Robert’s website every now and then such as and see if there are any video or presentation materials that interest me. There are many but the costs for the courses are way too expensive for me.

Terence showed about the link to the online seminar and I find it fascinated. It has so many values as it provides a comprehensive suite of learning programs that were developed to make e-learning available any time, any place and in a way that would achieve the greatest benefit to you, the learner. I can learn and develop conveniently in my own home.

At this site you can find:
Access to live seminars and over 200 archived online seminars from some the world's greatest speakers and experts on a variety of topics. You have speakers like Brian Tracy, Robert Kiyosaki, Joe Girard, John Gray, and Diana Golden. They are conveniently organized into various categories (channels) to provide a balanced approach to your online learning needs.

• In the MASTER CHANNEL, you can learn from the world’s experts on a variety of topics.
• In the CORPORATE TRAINING CHANNEL you will learn the skills, mindsets and strategies to be more productive in your career.
• The PERSONAL DEVELOPMENT CHANNEL will stretch you and provide insights to help you reach your full potential.
• The FAMILY CHANNEL expands training to meet not just your career needs, but also to the family relationships that are so important to you.
• The LIFESTYLE CHANNEL covers topics geared toward living a healthy and fulfilling lifestyle.
• There are even special channels for speakers whose primary language is CHINESE or JAPANESE KIDS AND YOUTH provides entertaining educational games and activities for kids and youth

Give yourself some time to browse through the link and you may find the link interesting to you in some subjects. Why not try it today here? There are Free Seminars that are being uploaded too.

If you want to know more about the link, you can email me at with a title of "E-Learning Opportunity" to differenciate your email with others.

Friday, July 24, 2009


Definition of Passive Income is "Income generated with minimal work from your investments such as interest, dividends, or real estate rentals."

Passive Residual Income is another term normally used by investors. It is defined by income derived from working hard once but receiving the income continuously.

The benefits of having passive income are
1. You only work one time and the income will flow in in a timely manner, be it monthly or yearly or longer
2. You can work your normal way and still earn more at the end of the day. Your passive residual income is not dependent on a 9-5 work week and can be generated 24 hours, 7 days a week.
3. Freedom to choose when and where you wish to work.
4. Create unlimited amount of income; the more you put your effort in, the more you earn
5. Create residual income for your future retirement.

Passive income is our key to financial freedom. We will be less dependent we are on our job when we have more than one streams of passive income. When our passive income exceeds our expenses, we can stop working anytime we want and can still live the desired lifestyle. That is financial freedom.

There are many passive income around that you can source.

The five ways of generating Passive Income especially for Malaysians are
1. Dividend from Investments
a. Invest in Cooperative Banks such as Bank Persatuan and Bank Rakyat
b. Bank Persatuan is new for Klang Valley area but it has been in existence in the 50s, originally in the North of Malaysia.
c. Invest in Amanah Saham Bumiputera (ASB) introduced by Permodalan National Berhad (PNB)

2. Income from Investment in Unit Trust.
There are many reputable Unit Trust available in the market organized by Unit Trust companies such as Public Mutual, CIMB Wealth Advisor, MAAKL Mutual etc. They offer a variety of unit trust catering for each individual needs

3. Rental from Real Estate.
This means that you buy Properties and let the Properties out to tenants. The consistent rental from will give a good source of passive income.

4. Royalties from publishing a book
Writing a book will enable you earn commissions from the publishers. Royalties is another good source of income as you really work one time. If your books have lots of information that people need, they will be utilized, searched, bought and printed repeatedly.

5. Internet Marketing
Internet Marketing has been around for the last 10 – 15 years. The demand is very good as people always search for information eg where to buy things, do internet banking transactions etc.

For more information on passive income, feel free to go to


As usual, I would send my two elder sons to the bus stop at Seksyen 9, Shah Alam. For the past few days, their bus was always late. Their school hour starts at 8:15am. Today, the bus arrived at 8:15am; later than yesterday at 8:05am. On last Wednesday, when the bus did not come at 8:00am, I sent them to school straight away. The boys were saying that their friends missed one class, due to the lateness.

Since I reached there early today, ie around 7:40am, and my office hour only starts at 9:00am, I just did not want to drop them and leave. Normally, I would use that 15 – 30 minutes time as useful as possible. I would just ask them about their school, their tuition classes, their games and many other things. I tried to be a good listening friend to my children as I want them to share their daily experience and encounter with me. I guess we should be in our children’s lives all the time, not only when we want to correct them. I would say that my children are happy when I am ‘one of them’, and they are happily sharing their secrets and sometimes share others’ secrets too.

Yesterday, my eldest, Radhi, was mentioning that he wants to learn Mandarin as more than 1 billion people is speaking the language. Hmm… that’s a good fact and a good reasoning too. We encourage our children to speak up and this works very well with my second child, Nabil. He can ask people bluntly, eg “Ayah Long’ (Uncle), why do you smoke? Don’t you know that smokers are syaitan’s friends?’ That was more than a couple years’ back (He actually asked in Malay Language, of course, I translated it!).

This year, I made Radhi the Imam for myself and his brothers, Nabil & Umar. At first, he was quite reluctant especially comes the ‘doa’ session. I said to him to just say anything, ask for anything, even in Malay Language. If you do not ask, God will not give it to you. Same with me, I said. If I don’t know what you want, I can’t give it to you. I can't read your mind. Now, I am very proud to say that his ‘doa’ session is even better than mine. All recited in Arabic. (They learn Arabic in school!) Nabil also get to become the Imam, when Radhi is not around etc. I really hope that my children would grow up being strong, independent and excel in their future undertakings, as well as being a resourceful leader.

My worries are that they do not like reading very much. Be it fiction or non-fiction. But they like to draw whenever time permits them. Umar was asking the other day, 'Why does our house have lots of books?' My reply was, 'I want you to read, that's why.' I would need readers' advise in this matter as I was not that successful yet.

** Having called their teacher, informing about the bus driver's lateness consecutively. We were informed that their lateness was due to family matters ~ death. Sorry to hear that. AlFatihah to the ‘jenazah’.

Wednesday, July 22, 2009


Finally, after hours of training, hours of effort, hours of try and terror, hours of frustration, I managed to have my website uploaded. Phew!! At least, now I can show my love ones that my effort is not fruitless. Now, I can easily explain to them where I went some weekends.

My passion is Financial Planning. Upon my searches to find new information especially passive income, I stumbled into Internet Marketing. It is indeed a powerful tool as most people resort to computers to find things, look for information, buy new and old things, make money, networking, finding opportunities etc. Nowadays, if you do not start using computers and internet, you will definitely left behind or obsolete.

Even in working life, you need new information for the normal work process, new technology to fasten your work process, gadgets to simplify your life. For those who wants to find new opportunities, feel free to check out and see for yourself what's in it for you.

The best investment that you can have is Invest In yourself as you can never be obsolete if you always ReInvent yourself. Find a good mentor and copy their steps.

Have fun browsing.

Sunday, July 19, 2009


I have been an active member in Facebook for a few months back. For me, it is actually convenient to keep track of all friends from recent and previous encounters, looking at only one site. Pictures can be downloaded and thus, you can see the changes in our friends, physically as well as their current activites. I accepted friends requests as I believe the more friends you have, the more you can learn from each others' experience. I am available at Do give me a short message, informing that you read my blog, so that I can easily identify you among others. My passion is financial management topics specialising in earning passive income. Another passion is on children's behaviour.

I posted the article below in my Facebook account last Friday, 17th July, 2009 at, for the benefit of those not in FB yet.


Today in Radio IKIM, Repr from Permodalan BSN was mentioning that there are 11 million people in Malaysia having credit cards with an average of 4 cards per person.The total credit card debts from these 11 million people is RM23 billion circulating around. 2397 credit card holders are of 25 years old and below. ( Did I hear this right? Or was it 2397 people is already declared bankrupt?) 125 of the 2397 are aged below 25 yeards old and are bankrupt TODAY!!.

Parents, do educate your children to be money savvy. Spend LESS than you earn.For a fact, I too have more than 4 cards myself (each have their own reasons behind it) but I paid almost all debts by end of the month. My biggest expenses in the bill is paying for my continuous education.

Bankers should be made aware the situation that they put us in. These days, One bank introduces many types of credit cards, one for fuel, one for hypermarkets, one for airlines etc etc. Can't they just put all their JV into one card and we can have only one card per person. Who wants to bring this up?

For those who are already in the credit card mess, you can talk to Agensi Kaunselling dan Pengurusan Krdit AKPK at 1-800-88-25-75. Its website Just found out that they are actually in FB, check out this link


I went to T. Harv Eker’s Seminar recently and he talked about GOLDEN GOOSE.


Golden Goose as in the fairy-tale story laid golden eggs. The eggs can be collected and used to buy food, shelter and other necessary items. You must preserve (take care of) the golden goose as it is the source of income for you. You can spend the golden eggs but you cannot eat your goose.

Here, Golden goose is described as part of our income that is set aside to generate more income. The money in the Golden Goose should be set aside in a vehicle having capital preservation, not to be reduced at all cost. The income coming from it can be used for other investments to generate more income. Thus, you make your Money work hard for YOU!!

How to we increase our income (preferably passive income)?

In order to increase our income, we should actively look into all avenues. Ways to generate more income can be segregated into two main classifications ie Active and Passive Income. Active Income is income coming from a few ways to make money and the ways require our participations and involvements. Among the Active Income avenues are Forex Trading, Options Trading, Stock, Mutual Funds, IEFT and Commodities (eg Metal such as Physical Gold & Silver). Passive Income is income coming from avenues which require us working on it only at first. It does not need our presence all the time. Among the Passive Income available are Money Machines such as Book Writing, Land Banking, Internet Marketing, Trademark and Patents, as well as Physical Gold & Silver.

Now, start thinking about your very Own Golden Goose.

The invited speakers are the experts in their field. They are Keith Cunningham (Rich Dad for Robert Kiyosaki), Phil Town (Renowned author of a Best-selling Book ‘Rule #1)’, Aussie Rob (Millionaire in Stock Options), Sam Higgins (Expert in Tax Lien), Harry S Dent (Renowned Economist) and Jordan Goodman.


I have a few blogs earlier but the blogs were suspended due to my lack of knowledge in blogging and internet marketing. Along the way, I tried to learn as much as I could to improvise my approach. As the normal saying says “Knowledge is POWER”. However, the gurus are now mentioning “Applied Knowledge is POWER”. This means that we have to TAKE ACTION on the knowledge that we have.

I hope that this blog will be able to serve those in the same dire need of knowledge of investments and financial independence. I am passionate to write about passive income and will try to depart with my limited knowledge and research for the benefits of viewers. I welcome all contributions by all of you.