Unity Bond

Life's A Rat Race

2012-05-10T12:01:00.000+08:00

"We are not rats, we just behave like them" - Anonymous-

That's exactly what describes our life~ Not everyone's life but almost all of them. And that includes me as well~

Rats or better sound to be "mouse" loves to run the wheel~ Sort of an exercise thing? It's exactly like the jogging machine we have in our gyms. We run like mad mens while staying in the same place but that's to keep fit and to burn the calories... In terms of life means, we are basically living in the rat race~

We run in circles. We do the same thing everyday like we woke up real early in the morning, get some breakfast, go to work, lunch, work, dinner, sleep. Then there goes paying the bills plus extra interests that comes everyday~ There we go running in circles again earning what we suppose or even not suppose to our own value.

How we all wish that the rat race will end. To put a stop to it. To just jump out of the tireless wheel and start doing the stuff we love. So how do we get out of the rat race? We need to be a part of the intelligent rats~ Ever heard of the Pareto principle, the 80/20 rule? Be the 20% of the wise rats and let the 80% run the wheel~

Be more financial intelligent. Look for better ways of running the wheel and seek for ways to jump out the wheel even if it takes 5 or 20 years~ Having a goal in mind and working towards it are so so much better running in the wheel for life!

And when you get out and me too~ (surely will)

We shall then enjoy watching other rats running the wheel~

Get Rich Without Spending Money

2010-01-19T19:28:00.002+08:00

Spare your money on better stuff.

In this post, yet again, you are so lucky to be reading this post as I am going to unveil another secret of the rich. The statement of “Why The Rich Get Richer and The Poor Get Poorer” comes back to this secret and are usually practiced by most rich folks out there.

How do the poor and middle class people spend their money based on? The answer is always their income of course. No matter what business or job you are having, you are using your income to spend on the stuff you buy and eat. But the rich don’ use their income to buy the necessity buy instead of their wants stuff , they can spend on what they want instead of what they need, because somebody else is paying off for what they need.

With More Knowledge, You Save More.

2009-10-20T21:27:00.000+08:00

By knowing more, you save every penny. There are so many skills to learn, practically skills like repairing or fixing something in your house. One thing that makes me think of by knowing more, you save more is when it comes to IT. Computers are not easy to mantain and there are always problem that arises. Internet have given us so much more and so many information that you can never say "I don't know" If you don't know, try google and search! Have you ever seen pirated CDs or DVDs selling all over? And have it ever cross your mind that people who buys those are really wasting their money?

Long ago, pirated CDs, VCDs and DVDs are the best sellers but not today, not anymore. Why do you want to buy CDs when you can download them at home for free? And why would you watch pirated DVDs when you can watch it online for free? If you are good in fixing your computers off bugs or viruses, you are having an extra advantage in saving yourself mess and cost. This is really true, if you still an IT idiot. It is an advice that you should seek for your IT literate friends to teach you. It saves you so much more time and cost! Believe me. Agree?

What "VALUE" Means in a Business

2009-10-17T21:53:00.000+08:00

I am very very and 100% sure that when you go out to the society and ask them what build a business or an enterprise, the first word that comes out is "MONEY". And I even believe you are one of them that thought that MONEY plays the most important role in business. We can always hear people say that "It Takes Money To Make Money" or "It Takes A Lot Of Money To Build A Business". I believe that they are correct to a further extend and fullstop. It depends on the type of business you involve yourself in, for example if you get yourself in a franchise, it may take you a minimum value of $100,000 to open one. But an entrepreneur never focuses on MONEY and "It Really Doesn't Take Money To Make Money in a Business"

What does the word "VALUE" mean to you? Moral ethics and values? In the context of business or entrepreneurship, VALUE is the most important aspect and MONEY always come second. Why do I say so? To build a successful and ongoing business, the most important thing is the VALUE of the business itself. Here is one example to clarify:

Gossip Project is one of a project launched by Joobaholic.com and its content are people call it BULLSHIT. Gossip project focuses on teenager's point of thinking and talks. You can further search for "GOSSIP PROJECT" either on Google or Facebook for details. The point is Gossip Project suffer tremendous loss in its first launch at local area and giving negative profit. (if you see in account perspective, it should be in red and bracket that indicates great loss) and yet Gossip Project takes on the challenge to make second launching at National level (you may be thinking, if this project making negative profit, it is a hell time to STOP and TERMINATE this project) It is unbelievable that the Joobaholic.com would be so DUMB to make second launching at NATIONAL level, it is nuts to think about it.

Yet and again, the second launching make even greater loss! Gossip project's profit goes from negative profit to in red ! Taking the loss at a five figure is really a HELL-SHUTTING DOWN project. And as time passes, Joobaholic.com is at the midst of project shutting process when an international company call them up and fully sponsor the whole project. That is the turning point of Gossip Project. It is the VALUE that build Gossip Project and make it stand out above others. Even though they are making great loss but the VALUE they created finally allowing the company to launch its next project without needing any money at all since many companies are volunteering to sponsor.

Today, Gossip Project are making millions of money without contributing any money towards it anymore. When the plans are ready, sponsorship of millions money would poured out that have made Gossip Project at the international level. So "It Doesn't Take Money to Make Money, It Takes The Value That Create Money For You". By having your VALUE, you are standing out of others and people will know your VALUE are greater than others.

Get your rich foundation outright! Play MONOPOLY!

2009-09-04T11:11:00.008+08:00

In the previous lesson, I have outlined that you must be rich and not just talk but having your mindset set to being rich. I have also discussed on how you can be rich by indulgng yourself in the right area!

Business and investment sectors are the place to go and seek out as much information as you can regarding this two subjects. Don't play with your money or allow other people to play with your money if you don't even know what finance is all about.

To get your understanding and further details on how to invest well, you should get your hands on the board game of Monopoly. I believe that most and everyone of us actually play this game during our childhood. This Monopoly actually have its hidden secret on how to be rich by winning the game being the richest man in the game. The winner takes it all and the losers gave everything to the bank or the winner. This game if you look carefully and ponder, it actually relates 100% with rich game life. How you win in the Monopoly game is how you get rich in REAL life!

Many people oversee this, as you are given few hundred dollars to start up with and every round you are given $2000 which means your salary. The game have been fasten to increase the speed of finishing the game. The concept of buying land to trading green houses with a big great red hotel teaches us the difference of how using money to work for us. The more red hotels you own, the higher chances for you earning more and higher chances winning the game compared to others.
To relate to the reality, you are actually in the real life Monopoly! You are playing your own game with other people sitting beside you. You may either choose to be a winner or loser in life. And what is easier is that in Monopoly, you are bounded by the rules of game but in reality there are no rules! You set your own rules, and set your way to win! It is just as simple as that, learn the way how Monopoly teaches you to win is exactly how you can get out of the ratrace. People call it the game of ratrace because you and everyone are running in circles coming back again and again, round and round. Unless you know how to be rich, your life will never be like other rat, without needing to run in circles. instead of watching people running their whole life round and round.

So get your ass up and replay Monopoly to relearn the concept of winning. And you may end up being a winner in the RATRACE!

Lesson 3 : The Rich Don't Invest From The Outside

2009-08-09T11:01:00.007+08:00

That context is particular to understand the meaning of investment. There are differences between the rich and the poor when it comes to investment. Basically on what we knew of such investment would falls to stocks, bonds, forex exchanges, real estate property, mutual funds and others. All of these investments are fundamentally depend on the market value. Their values goes up and down in a certain period due to demand and supply quantities in the global market. The recent economic crisis that noted the worst ever in history that hits the world have put so much pain to so many investors throughout the world. That economy crisis was particularly much different from the last crisis we faced years back, the way it hits and the way it falls comes with tremendous and adrenaline rush. Warren Buffet is making billions of dollars in every single day and losses as much as well as compared to the days where he only can make millions.

Not everyone can be Warren Buffet and yet everyone can be as rich as him in the practice of the same concept investment he do. To shift the perspective of the poor when it comes to investment, most of them classify certain investment as “risky” and “not diversed”. They were afraid, and very afraid that their money that they want to invest may ends up nothing, thus, they depend on their very professional’s advice to diversify their investments. Diversification puts their money in more than one kind of investment. For example, millions of people put their egg in more than one basket, which means that if that particular basket has a rotten egg, it won’t affect the other eggs in the same basket. Poor investment would go for safe investment, but it’s not the ideal idea to diversify as there are consequences to it.

While the rich people don’t diversify their investment, they never put their money in many baskets, instead they focus on a particular basket instead. They have reason for doing this. “The rich invest in one and make their best from one instead of putting all in all while not knowing any” That statement tells us that the rich don’t really hire financial planner or adviser from outside to invest. They invest their money by learning a particular investment instead so they would know what to do with their money instead of depending other people. This interesting methodology explain the similar situation, for example, many people listen to weather forecaster to predict the weather, while some people listen to others, when a person shouts, “It looks like the rain is going to fall today!” Thus, the fisherman would retreat and call it a day without making any fortune for that day. However, the rain looks perfectly fine for fishing.

The same goes with the global market, the rich don’t listen to others or read the stock newspaper to invest while they be the insider of a particular investment in learning everything about it rather depend on so-called professional investors. (if they were called broker, they are even broker than you are!) If you want to be rich. “Don’t collect your clothes when you hear people shout it’s going to rain, put your head out to the sky and see for yourself before taking the leap”

Thinking About Financing Potential? Think Again

2009-08-07T01:05:00.007+08:00

Today's world economy won't be anywhere near than downfall. Despite all those losses, debts, firing, diseases, bla bla bla, I don't think the economy will revive fully by 2010. So, what's exactly I'm trying to tell you? Don't go to work? Don't pursue business? Hell no!

If you are still on the job, keep doing it. If you are currently on business, keep it real. Just don't overspend and don't keep the money too much in a bank (its value will surely fall). Keep "recycling" the cash so that to keep the Wheel of Fortune spinning steady.

Spending more than you can actually afford can end you up with a question "How am I going to pay this?” Oh no, you're screwed! What's next?

Online business! That's one of the best options right now. The only thing you need is a laptop and an internet (which is of course you do to read Unity Bond daa....) Make a free blog yourself, produce or host a product through your blog, and you may get some penny each day. Within a month, you can see the accumulating penny in your pocket! (instead of accumulating debts)

This may sound simple but it's actually time-consuming process. I'm not going to tell you further on this as you can easily search for guides on the net just by typing queries on Yahoo and Google. Good luck!

Lesson 2 : The Rich Don't Work For Money

2009-07-17T14:12:00.006+08:00

This statement is very true for the truly rich people. There's a even precise statement "The Rich Don't Work For Money, Instead By Using Their Money To Work For Them ! " You may have read this statement in elsewhere article. Now from the first lesson, since you are already reading this post thus I am very sure you have changed your mindset to be Rich instead of being Poor. (who wanna live poor anyway) For this lesson, it is important to know how to play with money. Many people or most of the people work everyday. They are very good employees. We don't blame them, instead without them, there will be no development of the country! We appreciate these people and even you. If you are a worker or employee, we really appreciate you being a team. But by being an employee is not adequate but it's the worst choice in your life if you think by being an employee for life is going to make you a rich man.

So it is important in this lesson to know that rich people are in the Business or Investment sector. If you are a current employee, you can jump into the rich side quadrant. And if you are a student, prepare yourself for that jump. As I have realized, the education system in Malaysia has changed for a bit. My university is now advocating young people like you and me towards entrepreneurship! Which was the key to being rich! I wonder why, it may be probably that the old education system succeeded in producing more employees than employers. Since many graduates are left jobless, thus they want to produce more employers!

So here's your chance! If you are a student, grab this Entrepreneur workshops in your college or university! Only by owning a business, you'll learn that how to make money work for you. There are many workshops available for you to explore! Get your hands on business but not industrial business. Today we are living in an Information Age, thus products are worthless unless if you have an idea to create a product that can exceed global market value. If you are thinking of making new product like Super Apple Juice or New Colourless T-Shirt, well, you may forget about it. If your product can grab global's attention, for example like iPhone, then grab this chance to increase your wealth but if you don't. Use your brain and knowledge as it is, knowledge is today's key to everything. People no longer seeking new products but extra knowledge in this Information Age. Keep yourself update with the next upcoming post! The rules of money has changed! New set of rules have came up since the last tumbling economy in the early 2009.

Why The Rich Get Richer and the Poor Get Poorer?

2009-07-14T12:47:00.007+08:00

Many people don’t notice this but a few has, and this very few don’t seem to bother. The reason why the rich is having more than enough, thanks to the poor by giving the rich! This statement may not sound clear to you. Let’s break down the category of rich people. The rich are always on the business field and investment sector while the poor are in the employee side or self-employed side. Business means real big business that helps the rich to generate their income 24 hours every day, they clearly don’t work for money but let the money work for them instead! While in the investment sector, the rich invest in different investment compared to the poor. There are what we call “Special Investment” that are never open to the poor people. This world is never fair but that is because poor people can never afford such investment!

Now, let’s look on the poor people category, they are mostly employees. The employee work for money every day, taking monthly salary and contribute their life to companies who hire them. That’s what exactly school have succeeded doing! By teaching school children to study hard, get a good grade and get a good job but never to tell them to give job to people instead! The other category is the self-employed people. These people are professionals in their respected field such as engineers, accountant, doctors, specialist, sales manager and so forth. These people only know that they can only do better themselves where they earn their own money by doing what they know and how hard they perform at their own professional field.

There is this interesting story that I remember until today, and I will share this story with you.

One day, there is a poor big village that suffers from drought every month. There is a well located miles away from the village, thus water shortage causes the villagers to suffer. Out of this devastating problem, came three friends who suggested different ideas to save the village and earn some money to compete who earns best at the same time. The first guy quickly came with the idea to save the village by carrying buckets of water back and forth every day. Every bucket he can carry to the village will earn him some money paid by the villagers to him. So every day the first guy walks back and forth under drying weather to earn his money. The second guy did some planning for few days and came out with the idea of building hoses to transfer the water from the well to the village. Because of greed and wanted to get rich soon, he quickly build the hoses using scrapped metal and disposed material on his own. When the hoses are done, money soon flows into the second guy pocket for months swiftly. But for the next coming months, the villagers started to steal his water by poking holes into the old hoses and carry the water home reducing his income. Soon the hoses were full of holes that it finally breaks away.

The third guy, who did more proper planning and put up some money to invest in other companies to help him through, the process took him a year to complete. And soon he was able to build metal pipelines located underground to provide water supply to the village, his cashflow of money was repeatedly flowing into his pockets and making him the ever first millionaire in the village. This story tells us the different life of people. The rich always have their mind set to work while the poor earn hard everyday. You may have seen many people carrying buckets of water everyday but rarely to see people building pipelines. Since now you know why the rich is getting richer because they have their money work for them instead of being slaves like the poor by working for money instead. For the next upcoming post will explain on how you can be rich even if you are an employee now and increase your financial intelligence! To see what people cannot see even under their nose!

Lesson 1: Change Your Mind to Being Rich

2009-07-07T13:43:00.007+08:00

This is the utmost thing that you MUST do before starting your mission to financial freedom to financial security. Many people regard “Rich People” as “Evil”. But do you understand the definition of “Rich”? You may have seen movies of rich people dominating and bullying the poor. The terms of bullying may not sound true. Rich people may have what you can’t afford to possess so out of jealousy, you call them “bad people”. Not many people in this world are truly rich. The term of “Rich” is that any individual who are able to generate more than 10 millions of income per year and are financially secured and not employed. So who you are calling rich now? Don’t simply regard people as rich guys when they drive big cars, live in big houses or etc. Take a LOOK at their financial statement. Do they deserve the big cars and big houses they live in? Or do they just look grand but in the inside they suffer financially due to debts? Many people nowadays are able to drive big cars and live in luxurious houses, which they can’t AFFORD. These people are not rich; they are even poorer than you who own nothing!

The point is, first thing first; change your mindset of being rich. Tell yourself, I don’t want to live poor nor being in the middle class. I want to be rich! You may wonder being in the middle class is already comfortable but HELL NO! For the next coming era, there will be only boundaries between the rich and the poor. The middle class society will be totally wiped out clean. These middle class people are tight down to debts owning more than 2 cars, living in big houses and most of the time buying stuff using credit cards putting them in a disastrous financial state. So it’s your turn to take sides, do you want to be rich and have a comfortable life or do you want to be poor suffering under poor financial state and to live within your means?

Once you changed your mind to be a part of the rich society, please read on my next upcoming post BUT if you feel that by being worry-free and allow the government to take care of your financial problem, DON’T read on. It’s your decision; nobody is forcing you in making your own decisions. The next post will tell you why the rich get richer and poor get poorer and how to be in the rich quadrant. (this post was based fact on the book “Rich Dad, Poor Dad authored by Robert T.Kiyosaki”)

Job Security or Financial Security?

2009-07-03T11:50:00.006+08:00

Which one would you choose? You may be studying now and after the day of graduation you would want a job secured or your financial statement secured? This may sound ABSURD but there are 90% of people across the globe choose job security! School teaches our kids to go to school, study hard and find a good job. Sound familiar with your parents' advice?

True by doing what they said will get you employed in a way but never get you financial security. By the age of fifty, you may end up in a government servant serving them for years and being paid like slaves for the same amount of salary every month! Unless you get promoted after working with them for decades! You may depend on the pension plan the government has plan for you and retire safely by getting few bucks to spend when you get old. Dude! WAKE UP! Why would you want such a life?! When you deserves better to plan your own financial security rather depend on the government itself! And rumours had it that the government will soon cancel pension plan out of a sudden. And it has happened, not to the extent of abolishing the pension plan but by cutting down the amount of pension money you will receive after you retire. Sound ridiculous doesn't it?

Ever since you were young, you work for the government for years and allow them to have a part of your monthly salary to be kept so you can retrieve it later when you retire. But what if out of a sudden, the economy collapse! The peaks of shares came tumbling down, so does your pension money! Instead of receiving RM500 per month after you retire, you'll instead be awarded RM300 every month. Sound comfortable isn't it? You have to seek for your own financial security and no one is going to do it for you unless for yourself! What can you do? After you retire, you would still be able to retire happily and spend as much as you want even though the economy keep tumbling down!

Is Saving A Winner Or A Loser? No Offend but Tssk... It's A Loser...

2009-06-22T17:40:00.007+08:00

This is the World's Bank Logo. Believe it or not, the World Bank is throwing trillions of dollars into the economy hoping saving it. The reason why I'm saying Savers are Losers in this era is because the World Bank is printing more and more money, trillions of $ to save the economy. What happens in the end is prices of stuff which include food to drinks to everything that you can see people buying item everyday, you name it. Are these prices ever going to drop in the next ten years?

Sorry No. So if you are saving money for the future, yeah right, give it a laugh and ask yourself that a ten dollar you saved today does it have the same value it has in the next ten years to come? You can ask back that the one dollar u saved last ten years would have the same value today? So Savers are totally a loser.

I'm not telling you not to save. But saving comes in handy when you need it in emergency. When something unwanted or urgency arises for you to spend some amount of money. The message is you cannot rely to "Save For Your Future" anymore instead of telling people "Save For Emergency Use". Haha...