Differences Between the Rich and the Poor

Rich Differ From The Poor

1. Rich people believe: “I create my life.” Poor people believe: “Life happens to me.”
2. Rich people play the money game to win. Poor people play the money game to not lose.
3. Rich people are committed to being rich. Poor people want to be rich.
4. Rich people think big. Poor people think small.
5. Rich people focus on opportunities. Poor people focus on obstacles.
6. Rich people admire other rich and successful people. Poor people resent rich and successful people.
7. Rich people associate with positive, successful people.Poor people associate with negative or unsuccessful people.
8. Rich people are willing to promote themselves and their value. Poor people think negatively about selling and promotion.
9. Rich people are bigger than their problems. Poor people are smaller than their problems.
10. Rich people are excellent receivers. Poor people are poor receivers.
11. Rich people choose to get paid based on results. Poor people choose to get paid based on time.
12. Rich people think “both”. Poor people think “either/or”.
13. Rich people focus on their net worth. Poor people focus on their working income.
14. Rich people manage their money well. Poor people mismanage their money well.
15. Rich people have their money work hard for them. Poor people work hard for their money.
16. Rich people act in spite of fear. Poor people let fear stop them.
17. Rich people constantly learn and grow. Poor people think they already know.

Between Millionaires and the Middle Class

1. Millionaires think long-term. The middle class thinks short-term.
2. Millionaires talk about ideas. The middle class talks about things and people.
3. Millionaires embrace change. The middle class is threatened by change.
4. Millionaires take calculated risks. The middle class is afraid to take risks.
5. Millionaires continually learn and grow. The middle class thinks learning ended with school.
6. Millionaires work for profits. The middle class works for wages.
7. Millionaires believe they must be generous. The middle class believes it can’t afford to give.
8. Millionaires have multiple sources of income. The middle class has only one or two.
9. Millionaires focus on increasing their wealth. The middle class focuses on increasing its paychecks.
10. Millionaires ask themselves empowering questions.Middle-class people ask themselves disempowering questions.

Cycling To Work

Frugality in Kuala Lumpur has just gone one level deeper. A saving of about $550 monthly, a 2 hours exercise sessions for FREE and an opportunity to explore natures within the city has just been proven recently with just ONE simple ACT ! As everything goes, there is some trade off or 'risk' too ...

Its Cycling To Work !

Publish Post

Mathew was a guy who suffers from a terrible 24.3% inflation in 2009. After he started to follow this blog, he has learned a trick or two to keep things going smoother. Today he is working as a top executive in a public company but situation hasn't changed much. He is still in middle level income group. After his 5 figures income divided by the number of people he has to support, his actual cash-at-hand per person monthly is much less than average personal income ie. $1,500.

Many staffs who worked for Mathew always complains about how tough their lives are and demand a salary increment without extra performance to the company ( while their single income is about $1,500 as well). Mathew thinks it was obvious his staffs weren't educated well enough in personal finance so he decided to role model to show a point - live frugally.

He used to drive about an hour to work, commute about 22 km and then spent about $10+ for parking fee. Now instead of doing all that, now

He cycles to work

After the decision was made, he first bought a huge term insurance to cover this temporary needs. After all, he doesn't want his teaching to his staff to affect his even more important loves to his families.

Once the insurance is approved, he started cycling to work. It wasn't easy. He first followed his driving route. It was dangerous as cars and motorbikes are cruising fast by, ignoring his existence. But the good thing about cycling . . . is that its both a pedestrian and a driver. So very soon he found a much shorter and safer path, only 12.1km instead of driving 22 km away.


It took him about one hour to cycle to work. ( Above 2.5 hours was for walking time ) So practically this doesn't affect any of his schedule at all. As a matter of fact, this improve the stability of his schedule. Even when there is an unexpected traffic jam which would cause a normal 1 hour driving to 2-3 hours, his cycling time remains the same as 1 hour.


Mathew also lost 6-8kgs since then, has a much tougher built body now. He used to pay a lot joining fitness centers etc. but never got the time to actually exercise because he is a workaholic. Now he HAS TO exercise 2 hours a day.

Mathew also started a health diet to eat more veggie and fruits even before this cycling idea. Thanks to this cycling exercise, his cycling route passed by a local market at Chow Kit ( one of the oldest and largest wet market in Kuala Lumpur ), he now manages to buy 5 star fruits for only $1, which fuel his breakfast and lunch.

There are much more indirect benefits he received since he started cycling to work. But as everything goes, there must be some Cons that comes with the Pros. Should one accident happens during his cycling commute, it would most probably cost him his life. While he was well aware of the risk, he took action to insure against that rick and he also find ways to improve his own skills and awareness to maximize his own safety.

There are quite a lot of tips and tricks he has developed since he cycles to work. If you were moved by this article and wanted to try this too . . . be warn ahead, there is some risks involved. Do spend some time to buy me a cup of coffee so I can share with you whatever those tips and tricks are so that you can minimize your risk and maximize your return / saving / investment.

	Driving	Cycling
Time	1 hour	1 hour
Petrol	$10 per day	$0
Parking	$5 - $10 per day	$0

I am just glad living frugally in a city like Kuala Lumpur has just gone one level deeper. With tons of other extra benefits and with only ONE major risk that a person who really cares can mitigate easily with skills and experience.

Have you managed to find any innovative ways to cut your expenditure or increase your saving by 25% !?

Paintball At Dusun Ali King Gombak Version 2

Paintball At Dusun Ali King Gombak Version 1

From left: Aidil, Idah, Yong, Mazlan's wife, Me, Uzaini, Amir.

Sit From Left : Didi, Fareez, Shahar and son, Fizi, Saiful, Mat, Hada and Shafiq

Using Twitter - 10 things to know before using it

Most people don’t grasp the concept of Twitter until they start using it. And if they actually manage to maintain an active account, they realize six months down the line that they should have been using it differently.

Get a headstart. Here's what you need to know before using Twitter.

1. Go public

Twitter is the enemy of privacy. It’s all about sharing and connecting; you will hardly find any benefit in locking your account.

2. Be real

If you want to gain followers update your profile with a short, sweet, accurate bio of yourself, or what it is you plan to do on Twitter.

3. Know your purpose

Will you be opening a personal account or a company account? The way you communicate will differ accordingly, as will the people you follow.

4. Get the follow concept

Following someone means that their tweets will appear in your timeline so you can “follow” what they say. Your tweets will not appear on theirs unless they follow you too.

5. Follow sparingly

Do not follow every soul that follows you; be selective. Following does not have to be mutual and it’s “socially accepted” on Twitter not to follow back.

6. Understand the tools

You can retweet someone else’s tweet, publicly reply to a user, or directly message a user in private. Using these tools as often as possible will help you be more connected.

7. Offer substance

There are millions of users out there with nothing significant to offer. Don’t be one of them. Make sure you have interesting information and thoughts to share.

8. Cut the rambling

With infinite content being shared every second, Twitter decided that by packaging tweets into 140 characters, people can quickly tell if something interests them.

9. Share those links

The most successful tweets (the ones that are retweeted) include links to good articles, videos, photos and other online content. Share useful, credible links often.

10. Watch your tone

People on Twitter have personalities. Some are funny, some are serious, and others are knowledgeable. Let yours shine through as well, but be consistent, wise and respectful.

What advice would you give to new Twitter users?

Belajar Matematik Mudah!!

Boleh lah sapa-sapa yang lawat blog aku ni...discover what is the math is all about lepas tu boleh tunjuk ajaq kat anak atau kat wife..eeeheee..

Darab 4

1. Contoh: 4 x 7.

2. Gandakan angka 7 iaitu 14 dan gandakan sekali lagi angka 14 tersebut iaitu 28. Maka jawapan kepada 4 x 7 = 28

Darab 9

1. Keluarkan sepuluh jari di hadapan anda. Bermula dari jari kiri setiap jari tersebut mewakili setiap nombor. Jari nombor 1 adalah 9 x 1, Jari ke-2 adalah 9 x 2 dan seterusnya.

2. Contoh: 9 x 3 = Bengkokan jari anda yang ke-3.

3. Jawapannya adalah - Jumlahkan jari sebelum yang dibengkokkan sebagai 'PULUH' dan selepas jari yang dibengkokkan adalah 'SA' iaitu 27.

4. Teknik ini hanya boleh digunakan sehingga 9 x 10 sahaja...selamat mencuba.

Darab 11

1. Hanya untuk sifir 2 digit sahaja. Contohnya 11 x 98.

2. Penyelesaiannya - catatkan nombor 9 dan 8 dimana ditengah kedua nombor tersebut dikosongkan seperti ini 9 _ 8.

3. Angka 9 dan 8 ditambah keduanya iaitu 17. Masukkan ditengah antara nombor tersebut.

4. Oleh kerana 17 terdapat dua nombor maka nombor tujuh diletakan ditengah-tengah anta 9 _8 menjadi 978

5. Nombor 1 di angka 17 itu dicampurkan dengan 9 dihadapannya menjadi 10.

6. Jumlahnya bersamaan 1078

Fakta Menarik

Fakta 1. 123456789 x 9 + 10 = 1111111111

Fakta 2. 111111111 x 111111111 = 12345678987654321

Fakta 3. <1><2><3><4><5>+<1><2><3> = <1><2><3><4><5><6<7><8>

Trash Collector

Hari ini aku asyik melihat gelagat seorang pemungut sisa untuk dijual...apa yang menakjubkan aku, setiap jenis kertas digredkan dengan baik sekali tanpa ada yang tercicir. Yang menakjubkan aku juga setiap pengkelasan tersebut dilakukan dengan pantas, membuka kotak dengan cara yang tersendiri, mengumpulkan setiap bahan sebelum dimasukan dalam kantung yang berlainan. Ingat2 aku mamat ni memang profesional lah.

Kalau diukur dengan penjualan surat khabar lama dan tin minuman yang pernah aku buat sebelum ni nisbahnya 1:5. Ini bermakna jika barang yang aku jual sebelum ini aku dapat bayaran RM25 untuk barangan yang aku simpan selama setengah tahun. Ini bermakna pendapatan mamat yang melakukan kerja tu mungkin dapat 5 x RM25 = RM125 / sehari. Kalau 20 bekerja 20 x 125 = RM2500. Sama dengan gaji seorang arkitek yang baru masuk kerja. Kalau pelukisa pelan mesti kerja 2-3 tahun baru dapat gaji macam tu. Itu pun belum tentu dapat...kelas mamat ni. aku ingat lepas kerja mesti di enjoy giler.