Hmmm, seems you heed my advice, and you tried your best, to think POSITIVELY, yet you still feel that their remark HURTS so much.
Try this wonderful tip, I learnt from an Asian netpreneur,Dr Irfan Khairi in his Malay motivational book.
When other people criticize you, either in front of you,or behind your back, you….
Forgive them.
FORGIVE THOSE WHO CRITICS YOU, because they do not see your effort in upgrading yourself, for the near future. After you FORGIVE them, continue your effort to reach more success.
I guess, if you read, Western motivational articles, you will see them lambasting negative people.
Yeah… Lets CHOOSE the Asian approach. 🙂
So next time, when someone utters something negative to you,just FORGIVE them,and continue to work hard to achieve greater success.
It will lift off the burden load from your shoulder and you will feel more enthusiastic,more energetic, refresh to continue your MISSION to be successful in every of your endeavour.
TRY IT! 🙂
p.s. By the way, if you wish to discover a simple & halal way to create a positive monthly cashflow and calculate your net worth for FREE, then please click here…
Finally, the month of Syawal,the day, Muslims around the world celebrate Hari Raya, has arrived.
I will like to wish all my friends, my clients, everyone reading this blog at the moment, Selamat Hari Raya, Maaf Zahir Dan Batin.
This is not only the time for celebration.
This is the time where Muslims seek forgiveness from each other especially for those who has been gossiping behind others back, repair strengten our relationship and grow together.
…and YES!
Finally….Takbir! 🙂
p.s. By the way, if you wish to discover a simple & halal way to create a positive monthly cashflow and calculate your net worth for FREE, then please click here…
In family financial planning, there are a few INDICATORS, to help you gauge your own financial level of success.
Ladies, in particular, will love the tips that I am about to share. 🙂
Well, I am going to share with you a very IMPORTANT discovery.
I am going to share with you on how YOU can determine whether your current boyfriend potential husband, is a person who always got money, or always has that annoying, flickering, ZERO digit in his bank account every month.
You can actually find out if the person got money or not, by asking him to take out his wallet creating his personal statement of cashflows.
A statement of cash flow captures 2 things.
1) Your Cash Inflows
-inflows are all monies received by a person and include gross salaries, rental income, interests and dividends
2) Your Cash Outflows
–outflows are monies that a person has paid out, it can be fixed or variable.
…that have occured over time, normally over the course of a year.
I always create a statement of cashflow for my client when he or she claims, that they dont have the extra money to save.
So, now, how do you create that personal statement of cashflow?
First of all, I will ask his average paycheck (disposable income) he brings home every month and add up to other income if he has any, like dividends, rental income etc. (MONEY COMING IN)
After that, I will segregate his outflow (MONEY GOING OUT) into 2 portions.
1) Fixed Outflow
This refers to expenses that is FIXED, like rental, handphone bill, mortgage loan +++
2) Variable Outflow
This refers to something that FLUNCTUATE, something that he CAN CONTROL.
Example, like cigaratte, holiday expenses, food, +++
I will then take the total inflows and subtract it with his total outflows.
If the balance is positive, he is OKAY.
If it is negative, he has a cashflow problem.
I will then analyse, how they spend their money, and propose recommendations on how to control and reduce their variable outflow.
——————————————————————————————
My accountant friend used to joke that, a naive, uneducated lady will look at a guy’s car to determine whether he is rich or poor.
In contrast, an intelligent lady, will look into his bank account to determine whether he is rich or poor.
Now, I will recommend her, to also create that CASHFLOW STATEMENT for her guy, to determine whether this guy got money or not.
Of course,if love binds everything…girls, do help your boyfriends manage their cashflow to a negative POSITIVE one! 🙂
p.s. By the way, if you wish to discover a simple & halal way to create a positive monthly cashflow and calculate your net worth for FREE, then please click here…
Today marks the beginning of Ramadan, the ninth month in the Islamic lunar calendar, a month of obligatory daily fasting in Islam.
Daily fasts begin at dawn and end with sunset.
At night, Muslims will go to the mosque to perform our special prayers known as Taraweeh.
This is a month when a Muslim should try to AVOID practices like:
smoking, swearing,
treating people with disrespect
being mean harming or hurting living things
being cruel
un-courteous and selfish.
Fasting has also many special benefits.
Among these, the most important is that it is a means of learning self-control.
Ramadan is also a time of intensive worship, reading of the Quran, giving charity, purifying one’s behavior, and doing good deeds.
For Muslims, Ramadan is an opportunity to gain by giving up, to prosper by going without and to grow stronger by enduring weakness.
As a secondary goal, fasting is a way of experiencing hunger and developing sympathy for the less fortunate, and learning to thankfulness and appreciation for all of God’s bounties.
Fasting is also beneficial to health and provides a break in the cycle of rigid habits or overindulgence.
So…To All Muslims.
Happy Fasting! 🙂
p.s. By the way, if you wish to discover a simple & halal way to create a positive monthly cashflow and calculate your net worth for FREE, then please click here…
I was featured in one of the articles in the Jobs Central Magazine which comes together with Today’s newspaper.
Do read it! 🙂
p.s. By the way, if you wish to discover a simple & halal way to create a positive monthly cashflow and calculate your net worth for FREE, then please click here…
P.S: If you can’t read the words, click on it, to view the larger picture of the file. 🙂
p.s. By the way, if you wish to discover a simple & halal way to create a positive monthly cashflow and calculate your net worth for FREE, then please click here…
A certified financial consultant, Helmi Hakim has won praise for his patience, perseverance and practicality when solving his clients’ financial concerns. For more information on how you can manage your finances better, contact Helmi Hakim at 96520134.
