Saturday, 20 December 2014

"Jalan pulang jalan berliku,
tidak jelas arah perlu dituju,
tujuh puluh tiga cabang bikin keliru,
disitulah perlunya jalan berguru.."

"dan apabila kepala kereta api itu tiba ke destinasinya, maka tibalah jua gerabak-gerabak yang teguh bercangkuk padanya.."




photo credit : Jeffri N Rieyn & Mulls

Monday, 15 December 2014

BURNING DESIRE 2015

Tadi saya dah kongsi matlamat jangka panjang saya,
Ini matlamat jangka pendek saya pada 2015!

SEMANGAT! 

Doakan  :)


5 years from now

Ini vision board saya untuk matlamat 5 tahun.

Orang-orang berjaya berpesan sebaiknya segala impian dan matlamat kita hendaklah dizahirkan dan dikongsi pada insan-insan tersayang serta orang ramai supaya mereka tahu apa yang kita mahu capai dan semoga doa mereka turut mengiringi kejayaan tersebut.

doakan saya berjaya capai matlamat ini ya,

semoga matlamat,impian dan harapan anda juga terlaksana dengan redhaNya. Saya doakan :)

Amin..amin..amin.


Sorok Duit dengan 3 Kaedah



SOROK DUIT ANDA DENGAN 3 KAEDAH INI




1. Simpanan jangka pendek yang mudah cair. Yang ni boleh simpan di akaun-akaun bank biasa atau lebih bagus tabung haji. Kalau tidak digunakan dalam setahun ada keuntungan sekitar 4-5% setahun.

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2. Simpanan jangkamasa sederhana. Yang ini boleh dicairkan dalam tempoh masa 3-5 tahun. Simpankan di dalam dana-dana amanah atau dikenali sebagai 'Unit Trust'. Kenapa 3-5 tahun? Sebabnya, kebiasaan dalam pelaburan dinasihatkan dibiarkan dalam tempoh sebegini bagi memberi ruang masa untuk berkembang dan meraih keuntungan. Selain unit trust bodies seperti CWA dan Public Mutual, boleh juga melabur dalam unit amanah yang terdapat di dalam akaun Takaful yang berdasarkan "Investment Linked". Tempoh masanya juga sama seperti di atas.

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3. Simpanan jangkamasa panjang. Tempoh 10-25 tahun. Yang ini elok simpan di dalam akaun Takaful yang berdasarkan 'Investment Linked" dengan kadar pulangan 6-20% setahun. Disamping meraih keuntungan terdapat juga added value seperti benefit "income protection" , Lifetime Medical Cover, crisis cover dan sebagainya.

Selain Takaful, boleh juga diversify ke dalam komoditi emas dan hartanah. Sekiranya mahu buat pasif income elok melihat ke dalam pemilikan hartanah komersial seperti kilang, rumah kedai dan sebagainya untuk meraih keuntungan dari penyewa secara berterusan.

Ini hanya sebahagian cadangan yang sedang bermain di kepala. Kalau suka info ini silakan share. Semoga dengan sokongan anda akan membuatkan saya lebih bersemangat untuk menulis lagi. Semoga bermanfaat!






#financialplanning #financialplanner #shariahfinancialplanner#tekniksorokduit #simpansebelumhabis #simpandanuntung #investment#islamikinvestment #takaful #insurance #passiveincome #pasif#faizalromano

Thursday, 11 December 2014

Turkeye and Me

My first achievement in the financial industry

TURKEYE!

Our journey took us to this wonderful country, upon arrival we were greeted by the cool breeze of the country..it was the end of winter..yet it was still very cold for a Malaysian like me.

Enjoy the pictures!

With happy and exciting friends..hehe

Our arrival was greeted with this huge signage of my name on it!

 and another one..notice the face hehe


The bread maker..err.. i forgot the name of the bread :P

I found AmBank's camel here

top of the world!

an illustration of the Sultan of Turkeye

before take off!

we're aiming at the photographer hehe

if my memory is still correct, i'm pointing at the mosque in construction..that is the 299th mosque

kapadokiya!

yes we are a happy tourist haha

one of the fine carpets being framed, selling for Lira2,500

at the leather making factory..had my eyes on this one :P

don't play-play aaa..here oso got mamak u know

part time workers hehe


on the Bosphorus Cruise..heading to the golden horn where Sultan Muhammad Al-Fateh led the army

this is embarassing..but we dont care..we asked the driver to stop by the roadside so we can play hehe

my friend Ibrahim getting ready to snowball me..yet he failed..hehe

this is how they extract the silk from the ulat


tea break 

this boulder is heavy

at the carpet factory, trying to cut that thread off!

the camel was brought to turkeye from Arab

our tour guide 

Carpet factory

bought a turkish audio cd here

the scenery

one of the locals distracted from her work by me :P

it is really cold here, backed by the blue mosque 

pne of the hotels we stayed in, it's carved from the hills and cave thus became a hotel

served with the ever delicious apple tea

silk extracted

once there was a population who stayed under the hills

seeedaaapppnyaaa! apple tea being drank with lust!haha

one of the carpets, very nice!

the scenery from above!

our baloon pilot!

check out the background..priceless

the carpet factory

in fornt of the entrance to haghya sophia

dinner!

the latest trend..so they say :P

proud to be :)

good friends :)

another fine creation

just took off!

the hills where they stayed

silk demonstration

trying to get the feel of it hehe

don't know how many feet above ground

the certificate of authentic 

yes we don't have snow back home..so please excuse us hee

had my eyes on this piece

two friends on a journey

the blue mosque!

read CAREFULLY..hehe


the Grand Bazaar 

Sultan Muhammad Al-Fateh's tomb

a clip from hindustan movie..hehe :P

had fun!

Turkeye is one of the many historic country filled with beautiful people and handmade items.
I definitely will want to go there again!