Sunday, August 31, 2008

Become A Millionaire? How?

Salam to all...

I've planned to post something this afternoon, but found this article at Yahoo and I think that it is good to post it here as part of our knowledge sharing. I personally do believe in savings as part of the tools to become a millionaire. There are of course few other effective tools being discussed around the globe. Attached herewith the article written by Glenn Curtis for your light reading...

Getting a Millionaire's Mindset
by Glenn Curtis on Tuesday, August 26, 2008

Let's face it; we all don't make millions of dollars a year, and the odds are that most of us won't receive a large windfall inheritance either. However, that doesn't mean that we can't build sizeable wealth — it'll just take some time. If you're young, time is on your side and retiring a millionaire is achievable. Read on for some tips on how to increase your savings and work toward this goal.

Stop Senseless Spending
Unfortunately, people have a habit of spending their hard-earned cash on goods and services that they don't need. Even relatively small expenses, such as indulging in a gourmet coffee from a premium coffee shop every morning, can really add up — and decrease the amount of money you can save. Larger expenses on luxury items also prevent many people from putting money into savings each month.

That said, it's important to realize that it's usually not just one item or one habit that must be cut out in order to accumulate sizable wealth (although it may be). Usually, in order to become wealthy one must adopt a disciplined lifestyle and budget. This means that people who are looking to build their nest eggs need to make sacrifices somewhere — this may mean eating out less frequently, using public transportation to get to work and/or cutting back on extra, unnecessary expenses.

This doesn't mean that you shouldn't go out and have fun, but you should try to do things in moderation — and set a budget if you hope to save money. Fortunately, particularly if you start saving young, saving up a sizeable nest egg only requires a few minor (and relatively painless) adjustments to your spending habits.

Fund Retirement Plans ASAP
When individuals earn money, their first responsibility is to pay current expenses such as the rent or mortgage expenses, food and other necessities. Once these expenses have been covered, the next step should be to fund a retirement plan or some other tax-advantaged vehicle.

Unfortunately, retirement planning is an afterthought for many young people. Here's why it shouldn't be: funding a 401(k) and/or a IRA early on in life means you can contribute less money overall and actually end up with significantly more in the end than someone who put in much more money but started later.

How much difference will funding a vehicle such as a Roth IRA early on in life make?
If you're 23 years old and deposit $3,000 per year (that's only $250 each month!) in a Roth IRA earning an 8% average annual return, you will have saved $985,749 by the time you are 65 years old due to the power of compounding. If you make a few extra contributions, it's clear that a $1 million goal is well within reach. Also keep in mind that this is mostly interest — your $3,000 contributions only add up to $126,000.

Now, suppose that you wait an additional 10 years to start contributing. You have a better job and you know you've lost some time, so you contribute $5,000 per year. You get the same 8% return and you aim to retire at 65. When you reach age 65, you will have saved $724,753. That's still a sizeable fund, but you had to contribute $160,000 just to get there — and it's nowhere near the $985,749 you could've had for paying much less.

Improve Tax Awareness
Sometimes, individuals think that doing their own taxes will save them money. In some cases, they might be right. However, in other cases it may actually end up costing them money because they fail to take advantage of the many deductions available to them.

Try to become more educated as far as what types of items are deductible. You should also understand when it makes sense to move away from the standard deduction and start itemizing your return.

However, if you're not willing or able to become very well educated filing your own income tax, it may actually pay to hire some help, particularly if you are self employed, own a business or have other circumstances that complicate your tax return.

Renting Versus Buying
At some point in our lives, many of us rent a home or an apartment because we cannot afford to purchase a home, or because we aren't sure where we want to live for the longer term. And that's fine. However, renting is often not a good long-term investment because buying a home is a good way to build equity.

Unless you intend to move in a short period of time, it generally makes sense to consider putting a down payment on a home. (At least you would likely build up some equity over time and the foundation for a nest egg.)

Buying Expensive Cars
There's nothing wrong with purchasing a luxury vehicle. However, individuals who spend an inordinate amount of their incomes on a vehicle are doing themselves a disservice — especially since this asset depreciates in value so rapidly.

How rapidly does a car depreciate?

Obviously, this depends on the make, model, year and demand for the vehicle, but a general rule is that a new car loses 15-20% of its value per year. So, a two-year old car will be worth 80-85% of its purchase price; a three-year old car will be worth 80-85% of its two-year-old value.

In short, especially when you are young, consider buying something practical and dependable that has low monthly payments — or that you can pay for in cash. In the long run, this will mean you'll have more money to put toward your savings — an asset that will appreciate, rather than depreciate like your car.

Don't Sell Yourself Short
Some individuals are extremely loyal to their employers and will stay with them for years without seeing their incomes take a jump. This can be a mistake, as increasing your income is an excellent way to boost your rate of saving.

Always keep your eye out for other opportunities and try not to sell yourself short. Work hard and find an employer who will compensate you for your work ethic, skills and experience.

Bottom Line
You don't have to win the lottery to see seven figures in your bank account. For most people, the only way to achieve this is to save it. You don't have to live like a pauper to build an adequate nest egg and retire comfortably. If you start early, spend wisely and save diligently, your million-dollar dreams are well within reach.

How? Is it enough to ignite your spirit to start your journey to become one of the millionaire? I do read some good books nicely written by our local millionaire, Mr. Azizi Ali regarding this topic. However, we as a Muslim must follow the guidelines and principles set by Islam to ensure the "halalness" of our wealth.

Last but not least, I'm also would like to take this opportunity to wish all the Muslim readers a "Happy Ramadhan 1429H", may Allah bless all of us.

Green Malay

Save Our Planet!!!

Salam everybody....

Now I'm going to write about our life, our environment, our earth. Most of my friend said why should we bother about that? Why not we just leave it to the paid caretaker (i.e. Government Officers, private sectors) to conserve our environment? I personally disagree with that point of view, and I do have my own personal opinion about conserving our environment.

Since my childhood life was surrounded by the green environment (muddy paddy field, rows of potatoes and tapioca, green orchard with crystal clear streams), I do miss all those green when I came to Klang Valley last century.

I know that there is something wrong with the culture of conserving the environment in the Klang Valley when I first saw tonnes of rubbish flowing in the beatiful but yellow in colour river, behind our football field of PPP/ITM. I wonder why all this could happen? Is it because of the MPSA (now MBSA) are not doing their job or the people of Shah Alam community are selfish i.e. all other places are dustbins except inside their houses or cars.

That's one of the example...but my colleague said it is normal in Klang Valley, it is still okay since the river is still flowing. Then I know that they will only concern if the river is stop flowing like what was happened in TTDI Jaya recently, when all the houses and cars are surrounded with the flash flood due to the overflow of Damansara river.

Hey you still remember about our Highland Tower Tragedy? I'm still at my High School time when this landslide (due to human factors) swept away one of the towers and grabbed more than 40 lifes. How about our Pos Dipang Tragedy? Then the big floods in Johor? Is it totally because of the nature? Why not we just accept that we deserved this disaster since we don't even care about our nature?

For me it is quite simple...big world always starts with a small family. Yes! Maybe we are not in the position of controlling the world. But we could control our small family right. Why not we just play our role as part of the community to start conserving our environment in whatever capacity, within our control? Properly disposed all the rubbish, provide small travelling dustbin in our cars (for "kulit rambutan", empty water cans/bottles), avoid open burning etc.

Staying at the government servants community (I stayed at the government quarters actually, where majority of us are government officers), it is a shame to see that the rubbish is everywhere, not at its proper place. Inside the lift, at the carparks, at the playground, everywhere. I always mumbling to my other half about the attitude of so called "policy makers" of the country about basic life. If they cannot manage their small community, now I know why the campaigns, programmes, forums or whatever name you might put, only ended with the grand closing ceremony (of course with lots of financial implication...), with lesser impact neither to the participants, nor the "highly competent" organisers.

I always ask my little sweet daughter (3 years old) to throw rubbish in the dustbin at home, not to punish her, but more on inculcating her about conserving the nature. You know what? When I bring her to the evening playground time, she starts collecting water cans, ice cream plastic wrappers and said.."Papa! Ampoh...nok buang..." of course in her own sweet language asking me to help her open the big dustbin just a few feets from the playground to throw that rubbish.

I'm not saying that my daughter is good, but the most important thing here is how we play our role in this small community. Like I said before, we just contribute whatever we could within our capacity, then let the nature handles the rest of the world.

Till that...I missed a lot the scene of the late Pok Teh Mat Che with his buffalo traditionally preparing his muddy paddy field, where my friends and I running behind him catching small the green surroundings...

Green Malay

Saturday, August 30, 2008

A Big World Starts With A Small Family..

Salam to all...

So sorry for leaving this green screen quite sometimes...busy with sports, assignments, by-election, budget etc. Actually I've written some info regarding my High School Alumni's Football Team a.k.a DRC FC, unfortunately all my writings gone during the process of final editing before being posted here...hemmm...maybe this is part of the challenge in blogging i guess...

Wokey, since it's still morning and my other half with little cute daughter still enjoying their sleep, I take this opportunity to briefly share about my small family.

Eventhough I come from a big family (13 siblings in total), for the time being I only have one pretty and lovely wife (click here for her blog) with small cute daughter. Well, it's okay for me since our marriage is still new (we tie a knot on 13 of March 200x).

Just a brief history, I knew my wife since our college time at PPP/ITM in 20th century, and we decided to live together as husband and wife in 21st century....hahaha. At the beginning of our marriage, we managed to rent a small hut at Uncle Jalil's hill before I took a challenge for working in Borneo few months after that. Talking about Borneo, I may put it as my second hometown after Terengganu, same as my wife, she also considers the Borneo as part of her life (eventhough she felt so sad at the early stage of being part of KK community).

Staying in KK (we stay at a small green compartment at Likas to be exact), we managed to go to places of interest in Borneo, especially in Sabah. From Gunung Kinabalu to Semporna, from Tips of Borneo in Kudat to Gunung Emas in Tambunan, from Kinabatangan to Sipitang...what a fantastic island.

My wife's favourite place? Of course she will say Phillipine's Market, the place where all the tourists go for locals and imported handicrafts. We helped Dayang's business there in terms of improving her monthly stock turnover...hehehe...and I helped Awie to finish his "ikang keropok", dried shrimps etc.

Back to my small family, our cute daughter also was born SMC to be exact. Weighing 3.63 kg that time, my little NAM now growing up, with her daily routine...Tom & Jerry Show, Pink Panther Show, Courage The Dog, Pocoyo etc. She loves sports as well especially watching Golf Channel with me and enjoying evening walk together.

I guess enough for the time being about this, my other half is repeatedly asking me to bring her to Nilai 3 for some shoppings before Ramadhan and for our new house (tentatively will move there after 'Idul Fitr).

With that, really hope to see you soon, maybe different time and different forum, but still with this same green screen.

Green Malay

Monday, August 18, 2008


Salam everybody...

Like I said, this sweet green screen will tell us about my interest...and I will start it with my PPTD FC weekly friendly match. Unfortunately, for this column, I will just attach full report (written by none other than Mr. Amathenry) of our Wednesday's friendly match.

Briefly about this team...I joined this multi-purpose team since Jan 2003 before I left for a while to Kota Kinabalu and Kota Bharu in 2004 and 2006 respectively. After coming back from those places, I re-joined it and till now actively playing on every Wednesday.

It's led by Mr. WarQue of MAKSAK...since 1995 I guess, until today. Our activities are weekly friendly match, inter-city trip (such as to Kedah, Sabah, Sarawak, Pahang, Negeri Sembilan etc.) at least twice a year, filled up with footbal match, golf, badminton, karaoke as well as other social activities.

So, to begin is the complete report of our previous match (we played against Mahathir Guchil's GSFC) which are written by Mr. Amathenry. I'm very sorry since it's nicely written in Malay, but I may translate it for those who are interested, of course upon your request.

Gerbang Serantau gagal lagi dlm usaha atasi PPTDFC


Payjal (2)
Farid Rooney

Gerbang Serantau FC 3

13 Ogos, Padang ILSAS - PPTDFC terus mengekalkan rentetan kemenangan ke atas pasukan paling kerap bertemu dgn PPTDFC tahun ni - Gerbang Serantau - dengan kemenangan tipis 4-3 petang semalam. PPTDFC jelas menguasai perlawanan semalam dan mampu menghasilkan lebih bnyk jaringan namun ntahapa la halnya bnyk peluang gol disia2kan oleh Amathenry yg tidak menemui sasaran gol semalam.

PPTDFC berpeluang mendahului menerusi sepakan penalti setelah PAyjal ke ntah dikasari dlm petak D. KApten pasukan, Wak mengambil tanggungjawab utk menyepak. Meskipun berjaya memperdaya golkeeper namun bola sekadar menyentuh tiang dan bukan jaring gol.

Gerbang menghukum susulan drpd kegagalan penalti tsbt apabila memperolehi gol pendahuluan hasil kesilapan golkeeper PPTDFC Abg Jali yg clear tak betul dan bola dapat dirampas lawan. Anmun begitu PAyjal menyamakan kedudukan menerusi satu rembatan kencang kaki kiri yg mengenai palang dan terus masuk ke dalam gol.

Gerbang meperoleh gol pendahuluan sekali lagi apabila sepakan corner disambung oleh strekar depa dan tiada defend PPTDFC di near post. Abg JAli tak mampu wat pape.

Gol penyamaan dan kedua menyusul seketika kemudian dan diperoleh menerusi satu setpiece cantik PAyjal dan disempurnakan oleh FArid Rooney memenerusi satu freekick yg mnengelirukan keeper lawan. Payjal sekali lagi menjaringkan gol kedua peribadi semalam sekaligus gol ketiga PPTDFC setelah menerima bola daripada RAden yg menerima bola drpd Amathenry yg merampas bola hasil kealpaan defend lawan.

Pengantin baru ilang teruna lama dah dulu - RAden turut meletakkan nama sebagi penjaring semalam apabila menyudahkan bola hantaran Ajak. Bola rembatannya mengelirukan golkeeper kerana ingat RAden nk pass kat sesapa tp dia shoot pulak. Keeper rooted to the spot dn hanya mampu melihat bola terkena tiang dan masuk ke dalam gol.

Amathenry hampir menambah gol kelima apabila Ajak Massage membuat hantaran lintang. AMathenry yg masuk ke dalam D menanduk kencang namun tandukannya sekadar menggegar palang gol. Gerbang berjaya memperoleh gol ketiga setelah sekali lagi Abg JAli mengulangi kesilapan sarkasnya spt 1st half. Kali ini bola clearance beliau terus kpd pemain lawan dan tak teragak2 nak menyecore setelah gol ternganga luas. Perlawanan tamat setelah encik referee dengan rambut mohicannya meniup wisel.

Perlawanan semalam menyaksikan beberapa aksi terpuji Ajak yg bermatian2 sbg lastman menyekat serangan pihak lawan. DApat pujian pihak lawan tu. TAhniah. Defend lain pun turut beraksi cemerlang.

Abg JAli main ok smlm. Bnyk jugak save cantik tp kesilapan2 mudah yg dibuat x sepatutnya dibuat mencacatkan performance.

Penalti - tak apa Wak. Beckham pun sepak penalti x masuk. Coba lagi lain kali.

TAjul - ko mmg klakar. Tak pernah lagi ada setakat ni defend bawak dari bawah sampai atas, mengelirukan lawan dan kawan samapi bola hilang dr kaki serta kehausan stamina sendiri nak shielding bola sehinggakan semuaorang tak dapat nak dikesan dan duga apakah motif sebenar yang ko cuba buat.

Amathenry di sini turut ingin meminta maaf di atas peluang2 gol yg disia2kan semalam. Memang banyak tp smlm tak tau la apasal shooting semua out. Akan cuba lagi next match.

Jersi smlm - Ajak bawak. Bola sama Air MAnis berperisa Air MAta Gadis Menangis Kehilangan Dara - Abg AMathenry bawak.

PPTDFC mengalu2kan sebarang komen, ulasan, kritikan mahupun kutukan membina demi kebaikan pasukan. JAngan segan2.

Sekian saja report kali ni. Arigatogozaimas.

Player smlm-
Keeper - Jali
DEfend - Ajak, Azmi, Bern, TAjul, Adi, Pokle
Mid - Payjal, Awang, Wak, JusNani
Strekar - Farid Rooney, Pak MAun, RAden, Amathenry

Turun tp x main dan pulang ke rumah menemui isteri terchinta - Jaguh Stadium (FK)

Lastly, we would like to offer any interested team (KL/Putrajaya/Kajang/Bangi area) to play against us. FYI, we already booked and paid the ILSAS's field for the whole year (every Wednesday), so your team just pay for the referee's cost. Interested? Please do not hesitate to contact me @

Green Malay

The Born of Green Malay's 1313's's 180808...

Salam everybody...for the past few years...I was thinking that I could put my writings somewhere...just to express my feelings, my stands, my everything. With all the available gadgets, it was left as sweet dreams since the time is always not at my side...hehehe..."Berkhidmat Untuk Negara" in our simple words.

So, at this great time...this green screen is born to join the world of virtual writings. As an amateur's my pleasure to have your attention, your sincere opinions about my writings, my language, my stands, my everything. I do hope that the sharing among us will benefit all of us in whatever interest.

I will try my best to write about golf (personal experience of course since I'm not a pro golfer), football (of course my DRC FC, PPTD FC and EPL), family vacation, environmental issues, local politics, foods or even my childhood fairytales.

With that, I put a dot here...maybe enough for this time, rather than just creating a blank blog...right? So, let's keep in touch.

Green Malay