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Financial Risk: Common Couple's Financial Mistake.

Posted by Azim Azman on June 11, 2016 at 11:25 AM Comments comments (0)



Many of my friends started to get married lately.


Yeah, of course, we are already 23. Haha.


Because of that, I think it is very relatable to write about " Common Couple's Financial Mistake." I assume we all can or have heard many story like the one I will tell here.


Many people will start working and earning some income. Then, they will meet the one they love and decide to get married. 





The 1st mistake that they make is to spend so much in their wedding ceremony. In Malaysia, we can see this so many time. Many couple even willing to make big loan for their marriage. That is just absurd. In Islam, small marriage ceremony is enough. I am glad and happy when I see most of my married friends spend less than RM10,000 on it. I think it is most approriate for most Middle Class Income people.





2nd mistake, they start to buy big house to stay. This will just take more money from your pocket every month.


 



3rd, one day, they looked at TV or heard on the radio those crazy promotion. " Installment for 60 months, without any down payment" type of promotion. They get so excited and went to the store. They bought furnitures, TVs, refrigerator and so much more as it is " No down payment and easy installment every month".


Few months after that, they realise that all their commmitment installement payment have cost almost 80% of their monthly income ! Every month, they need to pay for 1) House 2) Car 3)Marriage loan 4) Furnitures 5)Electric items


That leave them with only 20% of their income.





Next, they will realize that they have so much commitment to pay that they cannot stop working.


Even if they working and getting income every month, they cannot enjoy it, as most of them need to be paid to the banks. That is why most people have become the 'slave' to the banks. Every month they give most of their income to the banks.


They cannot stop! And they are so afraid to be fired!


They have just lost their FREEDOM!


Because they rely on only one income, their job! Before this they do not even care to create second and third income streams. All they care is to spend, spend and spend.







The main point here is most people has burden themself with lack of financial education. Thus, they buy many LIABILITIES instead of ASSETS!!!


Read: Money 101. How to get better managing money.


Read: How to increase you value in the market place.


Decide today to learn about financial more. It is one of big part of your life!








And take control in your life. Increase the control, do not depend too much on one people or one job.


Your financial risk will be greatly reduced when you decide to buy more income generating assets that will bring more money into your pocket every single month!



That is all for this writing guys, hope its helpful. If you think this is a great reminder, do not forget to comment and share it with your friends and family. Please do subscribe and follow me on my social media account and say "Hi". Thank you for reading.



Career Capital. Yuna.

Posted by Azim Azman on May 14, 2016 at 11:25 AM Comments comments (0)


Hi guys, I would like start this writing on Career Capital base on several things I can see base on my observation and research.

Before this, I have written blog on " How to Be So Good They Can't Ignore You" HERE and " Why JUST By Following Your Passion Can Be Very Dangerous" HERE.




Recently, Malaysian was shocked when Yuna has being able to collaborate with a famous American singer, Usher, on her new song called CRUSH. 




I was excited too at the time because this is the first time a Malaysian singer and songwriter be able to collaborate with a famous American singer. Usher is so talented, he was the artist that produce Justin Bieber.

Before this Yuna also has collaborate with Owl City in " The Groove " movie song entitled " Shine Your Way"





With all this great achievement, I began to observe and research on how Yuna can be so successful.


And then, I came into these conclusions :

1) Yuna started her singing career when she was a law student at UiTM Shah Alam, she learnt music from her music student friends. So, she started small and strengthen her foundation in music and singing. Strengthen your basic skills in the industry.
2) She practices her songwriting. She made many of her famous song for example Dan Sebenarnya that made her famous in Malaysia long time ago. Master your craft.
3) Yuna work hard to have connection with successful people like Usher and Owl City. And finding a production company to sponsor her in US. Have a network or connection with the key players in the industry.
4) She save some financial capital to move to United State, to stay and work there. Have a financial ability.


In my observation, because of these skills and capital she has been able to save and build her career. She become so successfull compare to other singer.

Nowsaday, many uprising singers came into industry without enough of these " Career Capital ".

You can see it when a new singer from a reality show for example, some of them only know how to sing. They cannot play music instruments, cannot write songs, do not have connection with big players in industry and do not have enough financial capital. Most of them usually will FAIL within just few years or even months!

These traits also we can relate to many things especially to people who want to be self employed and go into business. Thus, before you take that jump of doing things that have a higher risk, make sure you build enough and strong " Career Capital " first.

That is all for this post. Hope it is helpful for your career and life. If you find it is useful, don't forget to comment and share it with your friends. I appreciate it a lot.

Thanks for reading. :)


Why It Is Dangerous To JUST Follow Your Passion.

Posted by Azim Azman on April 28, 2016 at 8:25 AM Comments comments (0)


It is very dangerous to JUST follow your passion. I would like to start with a common story of a girl I just recently heard, its about a girl who love yoga, she just love yoga. But during that time she was a marketing manager at a company. She loves yoga so much she took a course to teach yoga. And then, after taking that course she took the leap, she quited her job to start her yoga business.




However, after few months and years, she realised she has taken the wrong steps. She made decision base on her passion, base on what she love. She has to learn a lot more than just having a passion on yoga.

Another common story is a guy want to start a business, want to build a million dollar business. Some of them will stop his study or job before having enough of what we call "Career Capital", Career capital is standard of skills set, financial ability and wide network needed so that you can success in that field or industry.

Like I have written before in my blog HERE about how to be so good they can't ignore you, basicly in that blog, you need to find balance between these 3 things. 




Know what you good at, know what the market needs and know what you love. In these 3 things you can find success.




I truly believe in finding these 3 things to create a career that you will love, you passionate about. And even more rewarding !

Another thing, research shows that the more skills or how good you at your industry will determine how much you love your career. So work hard on that skills, you'll love your career.

That is all for this post, things to take is never take decision base just on what you love, evaluate more and learn more skills, make more connection and build more that career capital.

Thanks for reading guys, hope its helpful.


New 13 Motivational Quotes Pictures.

Posted by Azim Azman on January 29, 2015 at 4:25 AM Comments comments (0)





























PS: All pictures is credit to Secret Entourage. Feel free to LIKE their Facebook page HERE ! ! !


20 Motivational Picture Quotes.

Posted by Azim Azman on December 29, 2014 at 3:05 AM Comments comments (0)


All pictures are credit to @agentsteven, korang boleh follow dia kat instagram @agentsteven . Dia punya gambar sangat2 bagus n bagi motivasi. So here's I pick 20 most inpirational picture quote from him. Enjoy ! 









































"People often say that motivation doesn’t last. Well, neither does bathing, that’s why we recommend it daily" .-- Zig Ziglar


PS: HAPPY 2015 GUYS !!!