Dream BIG, Start Small, Act Now !


How to Pass ACCA Paper

Posted by Azim Azman on February 6, 2017 at 10:45 AM Comments comments (2)

Hi everyone, in this post will tell you guys what I know and use to pass my ACCA paper. I have been taking ACCA for years now, and I realise it not as easy as it looks. It is different from other course, it's very challenging. And to pass the paper, you need to have plan and strategy on how you will tackle the subject or paper. Without wasting more time, here we go...

How to pass ACCA:

1) You need to self study for 3 to 6 hours a day. If you have classes on that day, it might be enough for you to study 3 hours on that day. However, if you do not have class, you should spend more time to self study.

2) You need to concentrate or give focus during the study time. Study in time block of 1 hour, turn off all distraction during that time, then take rest for few minutes before do it again for another hour.

3) Always keep yourself motivated. It will take hours of your time, you need to always be willing to sacrifice a lot of things. You need to keep yourself motivated.

4) You need to understand the concept of the paper subject. Make sure you have covered all the topics in that paper. If possible, make sure you have made notes for all the topics too.

5) Do a lot of question. Practicing question shows that you understand the subject and topic. Do question of all chapters. And do past year question at least 4 past year paper.

6) You need to exercise regularly. Exercise will supply more oxygen to your brain which enable it to be more active and remember more. In my observation, many of my friends that exercise regularly have better memory.

7) Keep good relationship with friends, family and God. You need a lot of support from them. Financial support and emotional support. Always remember that you are studying this hard for them. Remember your ' WHY '.

If you follow most of I wrote above, I can guarantee you that you have a big chance to pass the paper. Do all this preparation fast and early, then during the exam is around the corner, you then has already ready for the exam at that time. 

Hope this writing benefit to you guys. I hope you use tips I have given you, and if you find it useful, I hope you can share it to your friends, so more can benefit from it. 

Remember to connect with me on my social media accounts. Connect with me on istagram and twitter: @azimazman4  Thanks for reading guys.

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.

Why kids should go to school and how parents can help.

Posted by Azim Azman on January 15, 2016 at 8:55 AM Comments comments (2)

I found in life or reality, everybody has a value in market place. That's why some people just get paid $50 per hour and some other people got paid $5000 in an hour. Some people called it a ladder. You climb the ladder of value. When you were a kid, you started small, with some value to provide to the market place, then when you grow older, you started to start learning, some language, science,math and etc.

Thus, the conclusion is you should add more value, more knowledge, more skills in yourself as you growing up and old. One of my favorite speaker Jim Rohn once said, " If you work hard on your job you can make a living, if you work hard on yourself you can make a fortune."  Start today to learn more and become more.

" If you work hard on your job you can make a living, if you work hard on yourself you can make a fortune."

If a person that is working in MCDonalds today for example, if he or she learns more skills, upgrade his communicattion skills, leadership skills, working hard and finding oppurtunity to grow, I will guarented you he will at least get a promotion and provide a better life to his family. Never stop learning and improving.

Hence, someone who got a degree could probably paid more as he can provide more value to the company. How much value can you provide?

Another thing, parents can help their children when the kid was small, he don't have a ambition of what he or she wants to be in the future. Thus, this is a very important job of the parents to expose to the children the options that they have. When the kids is more expose in the early age, they can start to dream more and early. The parents should then encourage them to pursue the goals. Tell them they can do it.

If the kids love supercar, bring them to the Gocar. If they love music, sends them to the music class. If they love football, register them to a football academy. 

A movie I just watched recently is the Ronaldo The Movie, it was about the famous Portugal Player, Cristiano Ronaldo. He is one of the famous and most successful footballer nowsadays. What the movie told is that Ronaldo being able to be so successful today as he was being register by his parents to a football acedemy for kids when he was small. He is also has so much passion to it. He has become so valuable that he valued hundreds of millions!!! He has so much value in himself, he work hard on himself early, improving the run, the skills and the score.

Imagine your kids can discover their passion so early, they were exposed to it and being supported by their parents. In my observation, most successful sport person started when they were small.

The earlier you find your passion and harnessing it, the more valueable you become!

The next thing after I have talked about value given in market place and how parents can help, The next thing is we also can leverage the value we give to the market place.

The law of the market is the more value we give to more people, the more rewards we will get. Nowsadays, to have that leverage, someone must go into the business or create a product that the market needed. Don't get me wrong, all people can start business part time. And I think that is the best option, business is hard, you need experience and good skillset. Thus, working on a job and working on business part time is a very good combination to the new people who wants to start business.

The law of the market is the more value we give to more people, the more rewards we will get.

As you started working on a job and start accumulating some financial capital, the person must learn how to be good in marketing, packaging and servicing. For me, these are some of important traits in an enterprise. As you provide wide marketing, more customer will know about your business. If they love your beautiful packaging and fast service, they will keep coming and bring you profit. That is how you can bring more value, to more people. 

For example, Dato Seri Vida has started to learn about business when she was small, then as she growing up, she keep doing an aggresive marketing strategy, sponsoring many TV reality shows and even sponsoring a football team TRW for RM16 Million. By doing that, her product and business get wide coverage and esposure. With that, more people will buy her product, thus she provided value to so much more many people. By doing that, her wealth keep increasing. 

The conclusion to my writing:
1) Everybody, I mean everybody has a value to give and can increase the value in themself by keep learning new skills and work hard.
2) Parents can help to discover their children passion in the early age and encourage them.
3) We can increase our value given by creating product or business that give more value to more people. 

In the next blogpost I will write about students planning and planning to increase their wealth. 

Take care and stay cool guys.