Archive for the ‘PRODUK LELAKI’

TIPS PENJAGAAN WAJAH MENJELANG HARI PERKAHWINAN DAN HARI RAYA08.03.10

PRODUK HOMEOPATHY UNTUK MASALAH JERAWAT DAN KULIT BERMASALAH

INGINKAN WAJAH YANG CANTIK TANPA JERAWAT DI HARI RAYA AIDIL ADHA DAN MAJLIS PERKAHWINAN PADA TAHUN 2014 INI…

MASIH SEMPAT LAGI…TINGGAL SEBULAN SAHAJA LAGI UNTUK ANDA MENCANTIKKAN WAJAH ANDA

ADAKAH ANDA SUDAH BANYKA KALI GAGAL DALAM PERCUBAAN MENGHILANGKAN JERAWAT SERTA MEMUTIHKAN WAJAH SERTA BAHAGIAN ANGGOTA SULIT ANDA

ADAKAH ANDA INGINKAN WAJAH SEPERTI DI BAWAH…

MESTILA NAK KAN……HEHEHE

SAYA NAK BERKONGSI DENGAN ANDA PRODUK HEBAT YANG BERKESAN MEMBANTU ANDA YANG MEMPUNYAI MASALAH DI BAWAH….

- KULIT BERJERWAT

- JERAWAT YANG BERPARUT

- NAK HILANGKAN PARUT JERAWAT

- MENGHALUSKAN KULIT WAJAH

-MEMUTIHKAN KULIT MUKA DAN MENYEKATAKAN WARNA MUKA YANG TIDAK SEKATA

- KULIT WAJAH YANG GATAL

- MEMUTIHKAN PAYUDARA YANG GELAP

- KULIT BERMINYAK

- KULIT KERING DAN KUSAM

- MENGHILANG PARUT DI ANGGITA BADAN

-MEMUTIHKAN PUTING PAYUDARA

- JERAWAT BATU

- JERAWAT BERNANAH DAN BERDARAH

- KULIT YANG KUSAM DAN TIDAK BERMAYA

- KULIT BERJERAGAT

- JERAWAT RESDUNG

- JERAWAT PASIR

- JERAWAT DI KEMALUAN

- WARNA KULIT TIDAK SEKATA

- JERAWAT DATANG KETIKA DATANG BULAN

- SUDAH MENCUBA BANYAK PRODUK TAPI KULIT MASIH BELUM BAIK

- KETIAK HITAM

- ALAT SULIT YANG GELAP

- BAHAGIAN LEHER YANG GELAP DAN ANGGOTA BADAN LAIN YANG GELAP

- KULIT SENSITIF

- KULIT MUKA YANG BERLUBANG-LUBANG

- KULIT MUKA YANG NAMPAK LIANG-LIANG TERBUKA….

ANDA CANTIK TAPI TAK BEST LA KALAU KULIT TAK CANTIK DAN BERJERAWAT..

JANGAN TUNGGU SAMPAI JERWAT ANDA JADI MACAM NI…

USAH BIMBANG LAGI……

INGINKAN SESUATU YANG BOLEH MEMBATU ANDA MEMPUNYAI WAJAH YANG CANTIK , BERMAYA, BERSIH DAN ANGGUN DAN TAMPIL DENGAN PENUH KONFIDEN…..

MEMPERKENALKAN PENYELESAI KEPADA MASALAH ANDA

PRODUK HOMEOPATHY UNTUK MASALAH JERAWAT DAN KULIT BERMASALAH

BAGI SUAMI ATAU KEKASIH, HADIAHKAN PRODUK INI SEBAGAI TANDA KASIH DAN CINTA ANDA PADA PASANGAN ANDA….KEKASIH ANDA PASTI TERSENYUM…

BAGI SUAMI ATAU KEKASIH, HADIAHKAN PRODUK INI SEBAGAI TANDA KASIH DAN CINTA ANDA PADA PASANGAN ANDA….KEKASIH ANDA PASTI TERSENYUM…

CARA MUDAH HILANGKAN JERAWAT,JERAGAT DAN PARUT SERTA CERAHKAN WAJAH DENGAN HOMEOPATHY

PRODUK HOMEOPATHY UNTUK MASALAH JERAWAT DAN KULIT BERMASALAH

Memperkenalkan Krim hapus jerawat,jeragat,hitam bawah mata dan kutil

BAGI SUAMI ATAU KEKASIH, HADIAHKAN PRODUK INI SEBAGAI TANDA KASIH DAN CINTA ANDA PADA PASANGAN ANDA….KEKASIH ANDA PASTI TERSENYUM…

CARA MENGHILANGKAN JERAWAT DENGAN CEPAT , MELICIN DAN MEMUTIHKAN WAJAH, DAN MENGHILANGKAN PARUT

Begitulah luahan perasaan gembira seorang pengguna produk BC01, BC04, BC16, CCC dan CCS. Tetapi kali ini saya amat bertuah kerana diizinkan untuk menyiarkan wajah ala-ala “Ayu Raudah” seperti yang kerap dipuji oleh suaminya, dia rasa suaminya hanya ingin mengambil hati sahaja,rakan-rakan sekerja pun surunya.
Jeragat, whitehead, blackhead dan kesan-kesan parut boleh dikatakan 95% hilang didalam tempoh 3 bulan dia mengguna produk yang selamat dan tanpa kesan sampingan. Siapa kata bahan kosmetik sahaja yang mampu mencantikkan wajah, bahan-bahan dari alam semulajadi juga mampu mencantikkan wajah seperti di atas.

Biochemic (Garam tisu) Untuk Masalah Jerawat dan Parut

Produk yang bermula dengan awalan BC bermaksud Biochemic atau garam tisu yang menjadi sebahagian daripada perubatan homeopati. Seringkali disebut Homeopathic Biochemic adalah menggunakan konsep penyediaan remedi yang sama dengan perubatan homeopati tetapi tidak tertakluk kepada konsep seperti homeopati iaitu “serupa menyembuhkan yang serupa”, kerana biochemic membantu membekal garam tisu yang berkurangan didalam tubuh sehingga menjadi punca kepada sesuatu penyakit dan bukan kepada persamaan sesuatu simptom dengan remedi seperti homeopati.
Perubatan alternatif Biochemic sering dipraktik oleh sebahagian besar doktor-doktor homeopati termasuk saya kerana cara pemilihan remedi yang tidak terlalu banyak iaitu hanya sekadar 12 remedi yang mewakili 12 mineral atau garam tisu yang sedia ada di dalam tubuh , ia lembut dan selamat untuk semua peringkat umur, termasuk ibu-ibu mengandung dan bayi.
Biochemic telah menunjukan prestasi yang cemerlang untuk menangani pelbagai penyakit yang terjadi akibat kekurangan mineral di dalam tubuh. Paling utama ialah masalah kulit seperti jerawat yang terjadi akibat kekurangan beberapa garam tisu yang terdapat di dalam tubuh seseorang itu.

Mengapa perlu mengambil Biochemic?

Ini ialah kerana Biochemic mampu merawat tanpa meninggalkan kesan sampingan seperti produk kosmetik atau berteraskan bahan kimia yang pasti akan menjadikan anda hanya cantik di luaran sahaja kelihatan bersih dan bebas jerawat, dengan membenam jerawat dan akhirnya menjadi nanah di bawah permukaan kulit anda tanpa anda sedari.
Muka kita secara konsisten bergelut untuk terus berada pada tahap terbaik pada setiap hari kerana sering terdedah kepada pelbagai unsur negatif seperti pencemaran udara. Kerap kali juga muka akan mengalami kekeringan atau terlalu berminyak. Selain dari itu, hormon yang tidak menentu juga memainkan peranan yang penting, kecelaruan aktiviti hormon seperti terlalu rendahatau kadang-kadang terlalu tinggi, menambah kepada masalah yang sedia ada.
Apabila jerawat mula naik,situasi panik akan membuatkan setiap individu mula mencari ubat-ubat dan krim untuk merawat dan menghapus jerawat. Bahan-bahan merawat digunakan seperti krim-krim pencuci dan penghapus jerawat yang mengguna bahan kimia yang berunsurkan “membenam” jerawat ke bawah lapisan kulit dan menanggalakan kulit (mengelupas) akan menambah derita, seperti perumpaan “sudah jatuh ditimpa tangga”. Oleh itu kita perlu bijak memilih konsep rawatan yang selamat, bebas bahan kimia dan yang penting tdak meninggalkan kesan sampingan seperti biochemic dan homeopati.

Perbezaan Di Antara BC-01, BC-04 dan BC-16

Perbezaan di antara produk ini hanyalah kombinasi remedi untuk masalah seperti jerawat pasir, jerawat batu, jerawat bernanah dan menghilangkan parut hasil dari jerawat tersebut.
* BC-01 – Acne & Scar (jerawat dan parut) yang biasanya dicadangkan kepada individu yang berjerawat pasir dan ringan, ia amat sesuai digandingkan dengan Carmino Healing Cream (CHC) serta Sabun Merrygold
* BC-04 With Biochemic Collagen adalah bertujuan untuk menambah protein yang berkurangan didalam kulit dan menjadikan kulit lebih sihat dan cerah. Ia juga membantu menambah keanjalan kulit agar Nampak segar , menghapus lebihan minyak, menegangkan kulit muka dan memudarkan parut-parut.
* BC-04 juga sesuai digandingkan dengan krim Carmino Complexion Cream (CCC) dan Carmino Complexion Soap (CCS) atau Merrygold Soap (MGS). Selain CCC, Soundarya atau Aquifolium Cream juga boleh digandingkan bersama-sama BC-04 begitu juga dengan BC-01 dan BC-16. BC-04 boleh diambil sebagai remedi “maintenance” selepas mengambil BC-01 dan BC-16.
* BC-16 Skin repair formula yang mengandungi kombinasi untuk merawat jerawat, bintik-bintik hitam dan putih (blackhead & whitehead) ,dan detox serta membersih bahan-bahan yang tidak dikehendaki dibawah lapisan kulit seperti nanah,sel-sel kulit mati dan juga untuk alergik kepada makanan atau persekitaran yang tidak bersih. Hasilnya jika individu tersebut mempunyai nanah dan sel-sel kulit mati, akan terjadi penolakan keluar dan menjadikan jerawat tersebut akan lebih teruk buat sementara waktu. Ini adalah kesan positif, tetapi ramai yang tidak tahan dengan situasi ini dan sering panik, tetapi anda perlu bersyukur kerana nanah-nanah dan sel kulit mati itu jika dibiarkan bermastautin di bawah kulit muka anda, secara pastinya satu hari nanti anda berkemungkinan besar akan mendapat kanser kulit. Setelah bahan-bahan yang tidak berguna itu telah ditolak keluar dan formulasi biochemic akan mengimbangi bahan-bahan mineral yang berkurangan kepada paras yang selamat. Oleh itu anda akan memperolehi penyembuhan yang hampir sifar untuk mendapat jerawat semula.
* Bagi individu yang mengalami masalah jerawat akibat dari resdung juga bermanfaat dengan remedi biochemic kerana kombinasi untuk jerawat juga akan merawat resdung pada masa yang sama.

Kesan Sampingan

Tidak ada kesan sampingan yang dilapurkan, biochemic adalah amat selamat untuk semua peringkat umur, ibu-ibu yang mengandung dan kepada warga emas.

Mengapa Anda Mudah “Sunburn”?.

Hydroquinone, atau benzene-1,4-diol atau quinol .. Hydroquinone digunakan dialam produk kosmetik untuk mencerahkan kulit muka. Kebanyakan Negara termasuk Food and Drug Administration Amerika Syarikat telah mengharamkan penggunaan Hydroquinone 2% semenjak 2006 lagi. Tidak dinafikan Hydroquinone bertindak dengan pantas seperti menghapus jerawat, mencerahkan kulit serta “menghakis” kulit muka yang kusam dan menjadikan kulit itu nipis serta licin. Kesan jangka panjang ialah lapisan kulit yang sepatutnya menjadi penghadang kepada sinaran UV telah “dihakis” oleh Hydroquinone sehingga menjadikan individu tersebut mudah “sunburn” walaupun terdedah kepada cahaya UV yang minima.
Nota :
Krim-krim homeopati adalah dari estrak bahan-bahan tumbuhan dan berasaskan bahan telap air, ia tanpa bahan berminyak dan tidak ada bahan-bahan dari ekstrak haiwan

BioChemic Acne Scar (BC-1)

BioChemic Acne Scar  berfungsi dari dalam untuk merawat masah jerawat. Parut jerawat bukan sahaja perlu dirawat daripada luar seperti penggunaan cream carmino tetapi harus dirawat dengan BioChemic Acne Scar yang akan memulihkan sel-sel kulit yang telah mati.
Penggunaan BioChemic Acne Scar akan merawat parut jerawat yang sudah lama dan baru. Supaya permukaan kulit akan menjadi licin dan parut akan hilang beransur-ansur. Formula boichemic yang digunakan sungguh selamat dan tiada meninggalkan sebarang kesan sampingan. Alami kehebtan biochemic acne scar untuk pemulihan parut secara holistik. BioChemic Acne scar ini cukup mujarab untuk merawat masalah jerawat dan parut jerawat yang baru dan lama. Biasa parut baru dalam masa 2-3 minggu akan hilang.Parut jerawat yang lama seperti berlubang memerlukan 2-3 bulan untuk hilang. gabungan dengan cream carmino dan sabun marigold akan menghasilkan kesan yang lebih pantas. Testimonial pelanggan yang menggunakan BioChemic Acne Scar (BC-1) 1. Sabariah Mohamad – sabah Salam, memang hebat BC-1 ini.  Saya menggunakannya bersama carmino,hasilnya dalam masa 3 minggu parut jerawat saya pudar dan hilang. Jerawat lama yang berlubang-lubang ini mula hilang selepas 7 minggu menggunakakanya.Saya akan gunakan sehingga hilang. Mungkin untuk 2-3 bulan.Apa yang saya sukaselain hilang parut,muka saya bertambah licin dan segar. Sekarang ini saya dapat confident level balik. tq so much. 2.Najihah – Pulau Pinang. BC-1 very powerfull,after 3 weeks,my scar and acne gone. tq so much

Biochemic Collagen BC04 ( Untuk kulit cerah,licin,gebu dan hilang kedut )

Skin Nutrient With Biochemic Collagen adalah produk remedi homeopathy daripada formula Biochemic yang cukup efektif. Melalui sistem homeopathy kandungan collagen telah dimasuk dan dirakam dalam gula-gula  sukrosa. Cara pengambilannya yang mudah.Hanya kemam dibawah lidah 4 biji , tiga kali sehari. Skin Nutrient With Biochemic Collagen dapat melicinkan kulit dan memutihkan kulit secara semulajadi dan selamat tanpa bahan kimia dan kesan sampingan.
Selain itu Skin Nutrient With Biochemic Collagen dapat menghilangkan kesan kedut dan membuat kulit menjadi licin dan gebu. Pengambilannya setiap hari dapat membaiki struktur kulit dan kekurangan colagen. Kesannya dapat dirasai setelah 2 minggu pengambilannya. Anda pasti terpegun dengan hasilnya.Semua remedi homeopathy tidak tertakluk dibawah Akta racun 1952.Ini menunjukkan betapa selamatnya remedi sehingga dikecualikan daripada akta racun 1952 dan tidak memerlukan kelulusan KKM. Kombinasi garam tisu yang terdapat di dalam BC – 04 Skin Nutrient With Biochemic Collagen adalah kombinasi garam tisu yang sangat diperlukan oleh sel kulit apabila radang kulit terjadi seperti jerawat batu yang besar dan merah sehingga selepas itu meninggalkan parut. Muka menjadi berminyak dan kelihatan kusam. Biochemic collagen yang terdapat didalam kombinasi ini akan menjadi sebagai agen pencuci atau penghapus toksik dan hormon yang tidak seimbang didalam sel kulit.Calcarea Sulp, CS6x mempercepatkan proses penyembuhan infeksi yang lambat untuk sembuh, terjadi discaj bernanah yang pekat berwarna kuning dan spot (kesan seperti bulatan yang keras kadang-kadang berwarna perang atau merah kemerahan) yang terjadi sewaktu proses penyembuhan untuk kembali menjadi sekata dengan warna kulit asal. Kali Mur, KM6x merupakan Biochemic Collagen untuk kes-kes toksik, alergik, lendir berlebihan dan keadaan penyakit semakin bertambah teruk. KM juga amat baik untuk kes-kes resdung. Kali Sulp, KS6x bekerja untuk merawat kes bernanah yang cair berwarna kuning, kulit yang bersisik akibat kulit menjadi kering.
Silica atau S30 juga merupakan salah satu kolagen juga, dimana ia digelar sebagai “memaksa toksik untuk keluar” ia mempercepatkan infeksi pada kulit seperti nanah untuk “masak” dan menyembuhkan lalu membina tisu-tisu baru bagi menghilangkan parut-parut. Silica secara semulajadinya boleh didapati didalam kulit, kuku dan tisu-tisu yang bersambung didalam tubuh kita

Biotherapy Cell Salt , BC16 – Skin Repair Formula

http://zuzila.com/blog/wp-content/uploads/2010/03/bc16-skin-repair-formula.jpg

BC16

Garam tisu amat diperlukan oleh sistem tubuh untuk keseimbangan bagi keseluruhan tubuh dan amat lembut serta berkesan bagi menghapus jerawat dan lain-lain masalah kulit seperti jerawat yang bernanah, garam tisu membantu untuk mengekalkan kualiti kulit pada keadaan yang terbaik.
BC16 – Skin Repair Formula ialah hasil usaha berterusan kami untuk menawar produk yang lembut dan sememangnya garam tisu ini adalah mineral yang diperlukan oleh tubuh kita dan merupakan gandingan kepada produk berjenama Biotheraphy Cell Salt (BC) seperti BC01 – Acne & Scar dan BC04 – Skin Nutrient With Biochemic Collagen yang telah mendapat sambutan yang amat memberangsangkan.
100% Semulajadi, selamat dan anda tidak perlu gusar akan kesan sampingannya kerana ia disediakan dengan kaedah homeopati dan biochemic garam tisu.

Formula :

  • Cal.sulph – Berfungsi untuk membantu menghapus jerawat yang degil dan lambat untuk sembuh, kadang-kadang terjadi “letusan” (eruption) bernanah atau yang berwarna kekuningan
  • Kali.mur – Bertindak sebagai kolagen dan membantu menghapus bintik putih (whiteheads) dan bintik hitam (blackheads), menghapus jerawat dengan discaj atau nanah warna putih.
  • Kali.sulph – Melegakan “letusan” (eruption) yang berair berwarna kekuningan atau kulit yang kering serta mengelupas.
  • Silica – Remedi No.1 untuk menghapus jerawat dan parut akibat jerawat. Silica juga membantu menguatkan sel-sel kulit.

HARGA

BC01 = RM80

BC04 = RM80

BC16 = RM80

PAKEJ

TETAPI JIKA SALAH SATU PRODUK BC DI ATAS DI PAKEJKAN DENGAN SABUN CARMINO DAN CREAM CARMINO HANYA RM150 SAHAJA

“PENGHANTARAN ADALAH PERCUMA KE SELURUH MALAYSIA TERMASUK SABAH DAN SERAWAK”

CARA MEMESAN

SILA TAIP
BC01 @ BC02 @ BC16@ PAKEJ BC | NAMA PENUH| ALAMAT| NO TELIFON
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Oppssssss Tunggu dulu….

Khas buat mereka yang ada resdung….
anda boleh tambahkan set biochemic dengan spray rawatan resdung luar biasa dari Homeopathy

Resdung? HAPUSKAN dalam tempoh 3 HARI!

Produk terlaris ketika ini untuk BUNUH resdung yang menyusahkan hidup anda. Resdung menyebabkan:

- Bersin
- Hidung gatal
- Berjerawat
- Mulut busuk
- Hidung tersumbat
- Migrain

6 Gambar Ngeri Muka Di Makan Kuman

HAPUSKAN Semuanya! Banyak testimoni yang dah berjaya!

Tanda-Tanda Penghidap Resdung:

>> Hidung tersumbat dan berbau busuk
>> Gatal-gatal di kawasan muka, telinga, mata dan hidung
>> Hidung kerap berair walaupun tidak selsema
>> Kerap bersin terutama di waktu pagi
>> Rasa berat muka atau sakit terutama di kawasan antara mata
>> Sakit tekak sacara berpanjangan serta berulang
>> Mengalami demam atau rasa tidak sedap badan secara berpanjangan
>> Kerap sakit kepala atau migrain

Resdung juga menyebabkan nafas kita berbau busuk dan menimbulkan keadaan yang tidak selesa. Perubatan allupaty hanya merawat resdung atau alergi dengan meberi ubat antibiotik yang bersifat sementara dan kadangkala antibiotik yang digunakan menimbulkan masalah pada mereka yang menghidapi resdung seperti ketidakselesaan sistem usus dan sebagainya.

Dalam perubatan homeopathy dan biochemic ,resdung atau alergi adalah perkara yang mudah dirawati. Melalui penggunaan bahan seperti tisu garam mineral,resdung dapat dirawat dengan mudah.Antara remedy bersifat oral yang terbaik adalah remedy yang bersifat luaran yang biasanya disemburkan kedalam hidung adalah pulsatilla.

Tanda-tanda ini muncul berulang kali terutamanya:

  • Selepas mengambil makanan laut, makanan yang diperam (belacan, cencalok dsb) atau berMSG (ajinomoto). Terdapat juga bahan kimia pengawet yang boleh merangsang resdung.
  • Pada waktu pagi, pada cuaca terlalusejuk (atau keadaan berhawa dingin) dan di tempat-tempat berhabuk.

Rawatan resdung yang dihasilkan ke dalam bentuk cecair adalah merupakan antara kaedah rawatan resdung paling cool untuk tahun 2012 kerana dengan cara rawatan resdung ini tidak perlu mengasap rokok resdung yang tentunya memerlukan banyak masa anda.

Rawatan resdung homeopathy adalah merupakan antara cara rawatan resdung yang berbentuk cecair. Ia amat mudah digunakan dan tentunya menjimatkan masa anda. produk yang di maksud kan ialah Pulsatilla..iIa telah membantu ramai customer saya mengatasi masalah resdung mereka yang kritkal.

Fungsi:
  • Penyembur hidung bagi merawat masalah resdung / sinus yang kronik
  • Membantu melegakan simptom-simptom selsema, kerap bersin, hilang deria bau
  • Mengurangkan tekanan dan kesakitan akibat masalah sinus yang boleh membawa kepada sakit kepala yang teruk
Cara penggunaan:
  • Dewasa                    : 1 kali pam setiap 3 – 5 kali sehari
  • Umur 6 – 12 tahun  : 1 kali pam setiap 3 – 5 kali sehari
  • Umur 2 – 5 tahun    : 1 kali pam setiap 2 – 3 kali sehari
  • Umur 0 – 12 bulan  : 1 kali pam setiap 1 – 2 kali sehari
Kandungan : Calcium Carbonicum Hahnemanni D12 2, 5 g, Cinnabaris D8
2, 5 g, Kalium Bichromicum D6 2, 5 g, Pulsatilla D6 2, 5 g
Berat : 15 ml

Alhamdulillah setakat ini banyak feedback positif yang diterima daripada mereka yang menggunakan produk rawatan resdung ini. Ini membuktikan cara rawatan resdung berbentuk cecair juga mampu membantu menyelesaikan masalah resdung.

Jika anda ingin mendapatkan mungkin antara rawatan resdung paling berkesan ini , tak perlu keluar rumah. Penghantaran pos laju ada disediakan. Selain daripada mudah diambil serta menjimatkan masa, dengan rawatan resdung ini tidak perlu lagi untuk habiskan masa anda di pusat-pusat rawatan resdung. Hanya guna produk rawatan resdung ini di rumah atau pejabat.

Melalui SMS: Sila SMS kod <Set Biochemic +Pulsatilla> ke 0125806029 sekarang!

ATAU

Melalui SMS: Sila SMS kod <Pulsatilla> ke 0125806029 sekarang!

Kami akan reply dengan harga promosi dan cara tempahan secepat mungkin

PETUA PERCUMA

76 TIPS MEMIKAT HATI ISTERI

 1. Bila saja anda pulang ke rumah, carilah dia dahulu sebelum anda lakukan perkara lain dan peluklah dia.

2. Tanya kepadanya soalan-soalan yang tertentu menunjukkan anda sedar apakah yang dia rancang untuk lakukan hari ini.

3. Latihlah diri anda untuk mendengar serta bertanya soalan kepadanya

4. Bentengi diri anda untuk menyelesaikan masalahnya, tapi tunjukkan sifat memahami anda.

5. Berikan padanya perhatian yang sebenar tanpa menunggu dia memintanya selama setengah jam setiap hari.

6. Bawakan kepadanya hadiah yang mengejutkannya pada bila-bila masa lebih-lebih lagi pada tarikh atau perayaan yang bermakna.

7. Rancanglah masa untuk bersamanya beberapa hari sebelum itu,jangan menunggu hingga malam Jumaat kemudian bertanya pula apakah yang hendak buat.

8. Jika pada suatu malam, dia merasa letih atau terlalu sibuk untuk memasak, tawarkan diri anda untuk memasak pula.

9. Selalulah memujinya dari segi kecantikan dan keanggunan rupa parasnya.

10. Akui perasaannya bila dia merasa marah.

11. Tawarkan bantuan kepadanya bila dia merasa letih dan penat.

12. Jadualkan mana-mana perjalanan lebih awal agar dia tidak kelam kabut membuat persediaan.

13. Sekiranya anda terlewat, jangan lupa untuk menelefon dia dan beritahu dia tentang hal itu.

14. Bila dia mahukan sokongan anda dengan bertanya mengenai sesuatu perkara, katakan ya atau tidak. Jangan jadikan dirinya rasa bersalah kerana bertanya.

15. Semasa perasaannya tersinggung, berikan padanya rasa simpati anda dan nyatakan kepadanya ‘Saya kasihan awak tersinggung’. Kemudian diamlah, biarkan dia dapat merasakan bahawa anda memahami yang dia tersinggung.

16. Jangan cuba jelaskan pula kenapa rasa tersinggungnya itu bukan salah anda.

17. Bila anda perlukan masa untuk bersendirian akibat gusar,katakan padanya anda akan pulang dan anda perlukan sedikit masa untuk berfikir mengenai sesuatu.

18. Sekiranya perasaan anda telah reda dan anda pulang ke rumah,bercakaplah dengannya apakah dia yang menggusarkan anda dengan cara yang hormat dan tidak menyalahkan dia. Dia perlu tahu agar dia tidak menyangka yang bukan-bukan.

19. Bila cuaca sejuk, eloklah rapatkan diri anda kepadanya dan biarkan kehangatan tubuh anda dapat menghangatkan jiwanya.

20. Pada masa dia mahu berbincang dengan anda, letakkan buku,majalah atau akhbar yang sedang anda baca, dan tutup TV. Berikan perhatian sepenuhnya.

21. Sekiranya selalunya dia yang membasuh pinggan, sesekali bantu dia untuk membasuh pinggan pula, terutamanya jika dia letih.Bantulah dia menggosok bekas yang sukar atau kerja membasuh yang sukar.

22. Pastikan bila dia letih atau marah, tanya dia apa yang dia hendak buat dan tawarkan bantuan anda dengan melakukan beberapa kerja yang akan dilakukannya.

23. Bila anda hendak keluar rumah, tanya dia adakah barang yang patut dibeli, dan jangan lupa pula membelinya.

24. Beritahu padanya bila anda mahu tidur atau mahu keluar.

25. Berikan dia lima kali pelukan setiap hari. Satu waktu subuh, satu zohor, asar, maghrib dan isya’. Jika tidak berkesempatan,himpunkan dua atau tiga pelukan pada waktu yang terluang.

26. Telefon dia semasa anda bekerja dan bertanya khabar atau kongsikan sesuatu yang menarik, atau hanya katakan ‘Aku cinta padamu’.

27. Katakan ‘Aku cinta padamu’ sekurang-kurangnya sekali sehari.

28. Bantu dia untuk mengemaskan katil dan membersihkan bilik tidur.

29. Letakkan pakaian yang sudah patut di basuh ke bakul yang dikhaskan.

30. Selalulah periksa sama ada tong sampah sudah penuh dan tolong buang sampah. Kemudian tolong letakkan plastik sampah dalam tong tu.

31. Bila anda hendak berjalan jauh, telefon dia, biar dia tahu anda selamat sampai dan berikan nombor telefon tempat itu.

32. Basuhkan kereta yang dipakainya.

33. Bersihkan diri anda dan pakai wangi-wangian sebelum jima’ jika itu yang dia suka.

34. Bila dia merasa marah kepada seseorang, eloklah anda menyebelahi isteri anda. Kalau anda tidak bersetuju dengan caranya, itu boleh diselesaikan kemudian.

35. Selalulah tawarkan diri anda untuk mengurut belakang,tengkuk dan kakinya.

36. Jadikan tabiat merangkulnya dan mengasihinya yang bukan bertujuan untuk jima’.

37. Sabarlah bila dia mahu berkongsi pendapat dengan anda. Jangan mengalihkan pandangan anda pada benda lain, atau melihat jam.

38. Tunjukkan kasih sayang anda ketika bersamanya walau di khalayak ramai.

39. Bila anda memegang tangannya, jangan pula jadikan tangan anda kaku dan lumpuh.

40. Ambil tahu apakah makanan atau minuman yang dia suka agar anda boleh suruh dia memilih apa yang dia memang gemar.

41. Sarankan beberapa restoran yang baik, jangan bebankan padanya untuk menentukan di mana hendak makan.

42. Luangkan masa anda untuk pergi bersamanya ke tempat yang dia suka pergi, selama mana tempat itu adalah tempat yang baik atau diharuskan.

43. Wujudkan masa bila mana anda boleh memakai pakaian bersama-sama.

44. Cuba memahami bila dia lewat atau tiba-tiba mahu menukar pakaiannya.

45. Berikan perhatian yang lebih kepadanya daripada orang lain ketika anda berada di khalayak ramai.

46. Jadikan dia lebih penting dari anak-anak anda. Biarkan anak-anak anda menyaksikan bahawa isteri mendapat perhatian anda yang lebih utama dan lebih awal sebagai contoh kepada mereka.

47. Belikan dia hadiah-hadiah kecil dan comel.

48. Belikan untuknya pakaian. Pastikan anda tahu saiz tubuhnya serta warna, fesyen dan corak yang lebih digemarinya. Atau anda boleh belikan kain untuk dijahit kemudiannya.

49. Ambillah gambarnya pada waktu-waktu keramaian atau di tempat-tempat yang mahu dijadikan kenangan.

50. Luangkan masa bersendirian dengannya untuk melakukan sesuatu yang romantik.

51. Biar dia tahu bahawa anda bawa gambarya dalam dompet anda dan menggantikan ia dengan gambar terbaru bila sudah sampai masanya.

52. Biarlah anda yang memandu ketika berjalan jauh. Pandulah dengan selamat, tidak terlalu laju hingga mengecutkan hatinya dan tidak pula terlalu perlahan sedangkan anda boleh laju.

53. Perhatikan bagaimanakah perasaannya dan berikan komen yang menunjukkan anda ambil berat seperti ‘Awak nampaknya gembira hari ini’ atau ‘Awak nampak letih’ dan kalau boleh tanya sebabnya agar anda tahu apa yang mengembirakannya dan sebaliknya.

54. Bila anda keluar bersamanya, anda sendiri perlulah tahu arah tujuan anda agar dia tidak terasa tertekan memandu arah kepada anda.

55. Solat bersama dan berdoa bersama.

56. Kejutkan dia dengan puisi atau nota cinta.

57. Layanilah dia sebagaimana anda melayani semasa awal-awal dahulu.

58. Tawarkan diri untuk membaiki sesuatu di rumah. nyatakan anda ada masa untuk itu. Tapi jangan pula tawarkan diri melakukan perkara yang tidak mampu anda lakukan dengan baik. Tolong asah pisau. Gunakan gam yang baik untuk melekatkan sesuatu yang telah pecah. Tolong gantikan lampu yang telah terbakar.

59. Bacakan dengan kuat sesuatu ruangan akhbar yang menarik minatnya.

60. Tuliskan dengan kemas apa-apa pesanan untuknya yang anda terima melalui telefon.

61. Pastikan bilik mandi bersih dan kering bila anda sudah mandi.

62. Bukakan pintu untuknya. Tawarkan diri untuk membawa barangan yang dibawanya. Tawarkan untuk bawakan barangan yang berat. Jika hendak berjalan, letak dan barangan yang hendak dibawa di kereta.

63. Bila dia memasak, pujilah masakannya.

64. Sewaktu anda mendengar dia berkata, pandanglah ke matanya. Tunjukkan bahawa anda berminat dengan menyatakan ‘Betul kata awak’. Di masa yang sesuai, pegang dia dengan tangan anda bila anda berkata kepadanya.

65. Tunjukkan minat anda pada apa yang dia buat hari ini, pada buku yang dia baca, dan pada orang lain yang dia hubungi.

66. Bersedialah untuk masuk tidur bersama dan masuklah ke kamar seiring dengannya.

67. Berikan dia ciuman dan berikan salam atau kata selamat tinggal bila anda mahu keluar rumah. 68. Ketawalah pada jenaka dan senda guraunya.

69. Katakan terima kasih bila dia buat sesuatu untuk anda. 70. Rancanglah untuk makan angin bersamanya.

71. Berbincanglah dengan cara yang menunjukkan kepadanya bahawa anda mahu dia dapat apa yang dia kehendaki dan anda juga mahu apa yang anda kehendaki. Ambil berat, tapi jangan berat sebelah.

72. Bila anda berjauhan darinya, beritahu padanya bahawa anda rindu padanya.

73. Belikan untuknya makanan yang dia gemari.

74. Minta pandangannya tentang sesuatu dan hargai pandangannya.

75. Ramai lelaki menganggap yang penting bila bersama wanita ialah melakukan perkara-perkara besar saja tetapi sebenarnya yang akan memenangi hati wanita ialah bila lelaki melakukan hal-hal kecil untuk membantunya dan menunjukkan anda ambil berat padanya. Dengan cara ini wanita akan merasa dirinya dicintai. Bila dia merasa dicintai, dia akan cinta pada anda tanpa berdolak-dalik.

76. Anda juga akan dapati bahawa melakukan kerja-kerja kecil untuk wanita akan mengubati hati anda. Bila dia gembira anda akan turut gembira. Anda akan merasa lebih berguna dan berjasa kerana isteri anda telah memperolehi perhatian yang dia perlukan.”

SILA TURUN KE BAWAH UNTUK MELIHAT LEBIH BANYAK PRODUK ATAU SILA KE MENU SENARAI PRODUK DI SEBELAH KANAN ANDA

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IQ & EQ BOOSTER UNTUK KECERDASAN MINDA | KAPSUL HERBA UNTUK LELAKI KUAT| CARA MENGATSI KENCING MANIS, DARAH TINGGI DAN KOLESTROL SERTA MENGURUSKAN BADAN08.03.10

SELAMAT DATANG KE AZHAAN BROTHERS SHOP

(Kedai Produk Kesihatan dan Kecantikan Online)

IQ & EQ Booster Untuk Kecerdasan Minda

http://2.bp.blogspot.com/_AomIg2-Ao9g/SwQZlRaWNuI/AAAAAAAAASo/uzQHlhCl-hQ/s1600/Iq+and+eq+Booster.JPG

IQ & EQ Booster telah hampir menyambut tarikh lahir yang ke 12 pada sekitar Februari 2010, dengan wajah baru, botol baru dan harganya sepadan dengan kuantitinya dari yang dahulu hanya 200-250 tablet tapi kini kandungannya 300-350 tablet dengan harga terbaru RM55 & Sabah & Sarawak RM60. Harga IQ & EQ Booster tidak pernah dinaikkan semenjak 1998 sehinggalah hari ini, kenaikkan harga itupun kerana kuantitinya telah berubah.

IQ & EQ Booster masih berfungsi dengan selamat menjana minda anak-anak yang lesu akibat tekanan pembelajaran yang begitu padat. Sekolah Kebangsaan , Sekolah Agama , tuisyen, kokurikulum, kerja rumah dan pelbagai lagi rutin harian yang di input kedalam jadual mereka. Adakah kita sebagai ibu bapa pernah membayangkan betapa penatnya minda dan tubuh mereka?.

IQ & EQ Booster bukanlah remedi ajaib yang diambil dari dasar lautan mahupun dipuncak gunung atau didalam gua misteri tetapi hasil kajian pakar-pakar homeopati semenjak ratusan tahun mengenai “baja minda” yang mampu menghasilkan caj-caj positif kepada otak. Otak adalah tunggak kepada keseluruhan tubuh, sekiranya seseorang itu disahkan “mati otak” maka berakhirlah riwayat seseorang itu walaupun jantung anda masih berdenyut-denyut. Mahalkah remedi ini untuk otak kita?

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Apa itu IQ ?

IQ adalah akronim bagi Intelligent Quotient, ia merujuk kepada markah yang diperolehi semasa mengadakan ujian standard bagi beberapa orang atau kanak-kanak, dan markah tersebut akan dikira mengikut pengiraan markah yang dijawab oleh seseorang atau kanak-kanak tersebut , contohnya, kanak-kanak berumur 10 tahun mendapat markah setaraf atau lebih tinggi dari kanak-kanak 13 tahun, maka kanak-kanak tersebut mempunyai IQ pada kadar mengikut kiraan seperti dibawah.*

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Contoh mengira IQ* , sekiranya seorang kanak-kanak berumur 10 tahun memperolehi markah setaraf dengan kanak-kanak berumur 13 tahun, maka pengiraannya 100 x 13 bahagi 10 = 130, maka IQ kanak-kanak yang berumur 10 tahun tersebut ialah 130.

Seseorang yang mempunyai IQ yang tinggi tidak semestinya mempunyai EQ yang tinggi juga, kerana IQ hanyalah ukuran untuk menilai kepandaian seseorang didalam bidang ilmiah seperti bidang mathematik dan sains, ia bukanlah merujuk pada emosi dan lain-lain skil.

Ujian IQ ini dicipta oleh seorang Ahli psikologi Peranchis, Alfred Binet pada tahun 1905.

[brain1.jpg]

Apa itu EQ ?

EQ adalah akronim bagi Emotional Quotient atau juga di sebut emotional intelligent. EQ ialah mengenai kapasiti seseorang mengawal emosi diri sendiri dan juga berkebolehan mengawal emosi orang lain, seseorang yang mempunyai tahap yang tinggi EQnya selalunya akan menjadi pemimpin didalam satu kumpulan atau komuniti.

EQ memainkan peranan untuk menjadikan seseorang itu lebih berjaya didalam kehidupan, perhubungan dan juga karier. Sekiranya seorang pelajar itu mempunyai tahap EQ yang baik, ia mampu mengawal diri dari dari terjebak kearah aktiviti tidak sihat, berkebolehan dan mempunyai skil sebagai pemimpin.

Mengikut kajian juga tidak semestinya seseorang yang mempunyai IQ yang tinggi , juga mempunyai EQ yang baik. Ini ialah kerana IQ ialah kebolehan mengira, menghafal dan lebih kepada kepandaian akademik semata-semata tapi EQ pula ia menjurus kearah kawalan emosi, skil, pergaulan, mampu mengawal emosi sendiri dan orang lain dan kecenderungan untuk menjadi ketua didalam satu-satu kumpulan.

Bagaimana Penawar Homeopathy Membantu Otak?

Homeopathy Biochemic Cell Salt (garam tisu) mengimbangi dan memelihara hormon penting iaitu adrenalin (ephinepherine), norepinephrine, atau dopamine. Ini ialah kerana Biochemic Cell Salt (garam tisu) adalah Potassium Phosphate (kalium Phosporicum) adalah sebahagian dari sel-sel didalam otak. Apabila adrenalin pada tahap yang terbaik otak juga berfungsi dengan baik maka keseluruhan tubuh mendapat manfaatnya.

saraf elektrik (electrical nerve)

Otak mempunyai 100 billion sel yang kebanyakkannya terdiri dari saraf-saraf (nerve). Pada asasnya saraf-saraf in boleh dikawal bila anda ingin membuka / tutup, semacam suis lampu di rumah anda, saraf ini (tutup) bila anda berehat atau tidur dan akan (buka) bila saraf itu mengeluarkan atau mencetuskan impuls kearah badan sel yang terdiri dari satu saraf (atau wayar kecil) kecil yang panjang di panggil “axon” dan dihujungnya akan mengeluarkan kimia ke “synapse” di mana akan mencetuskan satu lagi neurons untuk menghantar mesej, sepanjang proses itu berbilion “axon” memproses kuantiti kecil caj elektrik yang dianggarkan kuasa elektriknya seakan mentol elektrik 60 watt!.

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Sel saraf

Disinilah zat Potassium phosphate (kali.Phos) diperlukan untuk melancarkan aliran elektrik tersebut. Alat untuk mengukur aktiviti elektrik didalam otak dipanggil EEG (electroencephalograph).

Info:

  • · axon (akson) suatu serat saraf, satu unjuran yang memanjang dari badan ke sel neuron dan membawa impuls-impuls saraf jauh darinya
  • Synapse (sinaps), ialah celah yang amat kecil pada hujung suatu serat saraf dan melaluinya impuls-impuls saraf melintas dari suatu neuron ke neuron berikutnya. Apabila sampai ke sinaps, suatu impuls menyebabkan pembebasan satu neurotransmitter yang meresap seberang celah sinaps dan mencetuskan suatu impuls elektrik pada neuron berikutnya.

[neuron2.gif]

neuron

Setiap dari berbilion neuron itu akan “memuntahkan” kimia yang akan mencetuskan neuron-neuron baru. Setiap neuron menggunakan kimia yang berlainan, kimia in dipanggil “transmitters”, dan diberi nama seperti epinephrine, norepinephrine, atau dopamine.

Memang terdapat segelintar insan yang dianugerah Allah dengan kadar IQ yang tinggi, tetapi golongan ini tidak ramai. Percayakah anda ? Anak-anak anda yang dilahirkan dengan kadar IQ yang biasa (average) boleh menjadi anak-anak yang genius?.

Saya sering berhadapan jawapan dari segelintir ibu bapa seperti ini,

“anak saya tidak makan apa-apa ubat pun, tapi score 5A”

Memang benar anak-anak itu mampu memperolehi keputusan yang cemerlang di dalam peperiksaan, tapi tahukah anda minda juga memerlukan nutrisi atau “baja” bagi mencetus impuls-impuls positif.

Kekurangan zat nutirisi menjadikan anak-anak itu seorang murid yang pasif dan hanya pintar sewaktu menjawab peperiksaan kerana, soalan peperiksaan adalah hasil dari latihan ulang kaji dan latih tubi. Anak-anak itu akan menjadi seperti robot yang mahir menjawab soalan sahaja, tetapi mereka tidak ada pencetus untuk berdikari di masa zaman pekerjaan mereka nanti.

Apa itu adrenalin?, adrenalin ialah hormon terpenting yang dirembeskan oleh bahagian medulla kelenjar adrenal. Ia mempunyai kesan-kesan yang meluas ke atas peredaran, otot-otot dan metabolisme gula. Tindakan jatung bertambah, kadar dan tingkat pernafasan bertambah, kadar metabolik meningkat: daya pengecutan otot bertambah baik manakala permulaan kelesuan otot diperlambatkan. Pada masa yang sama bekalan darah ke pundi kencing dan usus-usus dikurangkan.

Sementara norepinephrine (norepinefrin) atau noradrenaline (noradrenalin) ialah hormon yang berhubung rapat dengan adrenalin, dirembeskan oleh medulla kelenjar adrenal dan juga dikeluarkan sebagai satu neurotransmitter pada hujung saraf simpatetik. Di antara tindakan-tindakannya ialah penyempitan pembuluh darah kecil – pembuluh darah yang mengakibatkan kenaikan tekanan darah sekiranya proses ini tidak terkawal. Dopamine ialah sebagai agen penghantar.K

Kesimpulannya komputer yang direka oleh manusia bukanlah tandingan bagi otak manusia yang dicipta oleh Allah.

Menjana “Booster” IQ & EQ, Kisah Benar atau Gimik?

Mengimbau kembali kisah silam saya sendiri di sekitar tahun 1974 sewaktu itu saya berumur lima tahun, sudah boleh membaca Majalah Dewan Pelajar, terbitan Dewan Bahasa Dan Pustaka. Paling saya minati ialah komik yang berkonsepkan pengajaran yang didukung oleh watak BUJAL.

Sewaktu di darjah satu pada waktu itu kanak-kanak yang celik huruf amatlah sedikit, oleh itu guru kelas saya sewaktu ketiadaannya didalam kelas , akan meamanahkan saya menjadi “guru” kerdil pada kawan-kawan saya didalam kelas.

Saya tidak dilahirkan sebagai genius, malah ibu saya yang mengajar saya membaca itu pun hanya bersekolah sekadar darjah enam pada penghujung 40an. Tetapi ibu saya mempunyai perwatakan yang garang dan serius, mungkin kerana itulah yang membolehkan saya membaca pada usia semuda itu. Pada waktu itu juga pemakanan seharian lebih kepada makanan tradisi yang menyihatkan, tidak bercampur bahan pengawet dan perasa yang berlebihan seperti sekarang.

Boleh di katakan anak-anak zaman millennium, amat bertuah kerana terdapat “bantuan” untuk merangsang minda. Pil minda Homeopathy memang terbukti berkeupayaan membantu sebagai “booster” pada minda anak-anak kerana penawar atau pil minda Homeopathy mempunyai Biochemic Cell Salts (Garam tisu) yang terdiri daripada Potassium Phosphate atau dalam Homeopathy dipanggil Kalium Phosporicum. Ia Menjadi pemangkin pada otak dengan kaedah yang selamat, tanpa bahan kimia terlarang dan tidak ada kesan sampingan.

Saya telah menjalankan ujian dan pemerhatian pada kes-kes yang saya telah rawati, saya sendiri merasa takjub dengan izin Allah penawar homeopathy yang saya preskripsikan dapat membantu ramai penuntut-penuntut memperolehi keputusan cemerlang seperti UPSR, PMR, SPM malah diperingkat universiti juga.

Sepanjang tahun 2000 – 2005 , saya telah mempreskripsikan beberapa ibu mengandung termasuk isteri saya sendiri dari awal trimester sehinggalah ke akhir trimester.Hasilnya amat memberangsangkan, seperti bayi saya sendiri pada umur 30 hari , pergerakkan tubuhnya menampakkan kekuatan tulangnya, pandangannya memfokus pada sesuatu dengan baik dan tidak selalu kembung perut (colic).

Ibu-ibu lain juga memberi maklum balas yang hampir sama mengenai bayi-bayi mereka. Bayi-bayi tersebut termasuk bayi saya sudah menjangkau umur 3 tahun. Saya memberi contoh bayi saya sendiri kerana saya memantau dan memberi tugasan seperti menghafal, mengira menggunakan jari, membuat tugasan mudah seperti memberitahu jika dia ingin membuang air besar dan kecil.

Saya amat bersyukur pada Allah kerana, anak saya yang berumur 2 tahun 6 bulan tersebut mampu mengingati tugasan, hafalan, mengira menggunakan jari dan memberitahu bila ingin membuang air besar dan kecil, pertuturannya juga begitu jelas dan sudah tentulah begitu aktif bermain, anak-anak yang bijak sememangnya aktif dan memenatkan ibu bapa.

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Saya menggelar anak saya ini Baby IQ , ketika berumur 2 bulan

Itulah hasil percubaan yang amat menggalakkan, pada asalnya saya hanya memberi Kalium Phos semenjak awal pembabitan saya didalam Homeopathy, oleh kerana saya amat berminat mengkaji hasil penawar-penawar Homeopathy ini pada kanak-kanak berkaitan minda, maka saya terus mengkaji dan terhasilah IQ & EQ Booster yang mampu menangani IQ dan juga EQ sekaligus.

Saya menggabungkan garam tisu dan beberapa penawar homeopathy yang lazimnya digunakan untuk merawat kekurangan didalam otak, terutama kepenatan minda, kelesuan tubuh, lemah daya hafalan walaupun kanak-kanak tersebut merupakan seorang pelajar yang rajin mengulangkaji, tumbesaran yang tidak sekata, kerap diserang selsema, kes-kes sawan (epilepsy), kahak-kahak, tingkah laku yang liar dan pelbagai masalah kanak-kanak dan remaja.

Preskripsi tersebut ialah:

  1. Kali Phosporicum
  2. Bryta Carbonicum
  3. Gelsemium Semperivenis
  4. Anarcadium Orientalis
  5. Argentum Nitricum

  • Setelah keberkesanan penawar-penawar tersebut telah didokumentasikan, maka saya menyediakan IQ & EQ Booster iaitu 5 penawar didalam 1 botol, memudahkan pengambilan dan menjimatkan kos. Ia dihasilkan berasingan, iaitu sewaktu penyediaan setiap penawar disediakan berasingan bukan dicampur sekaligus, tapi dicampurkan mengikut sama rata kuantitinya (tablet manis) didalam 1 botol IQ & EQ Booster. 

Hasil dari maklum balas pelanggan yang telah memberi anak-anak mereka IQ & EQ Booster, 95% dari mereka merakam tanda kesyukuran pada perubahan positif pada anak-anak mereka. 5% lagi tidak membuat maklum balas atau berhenti mengambil penawar ini.

Dari pemerhatian dari maklum balas tersebut, amat bertetapan dengan nama penawar ini, IQ & EQ Booster kerana selain dari “booster” IQ ia juga “booster” pada EQ anak-anak tersebut.

Anak-anak tersebut mampu memperolehi keputusan yang 1-2 kali ganda baik dari sebelumnya dan mereka boleh berkomunikasi, menerima arahan dengan baik, bergaul bersama rakan sebaya dengan yakin dan mampu beriteraksi dengan guru-guru dengan lebih baik.

Perilaku seolah-olah suka berkhayal, menyendiri dan susah untuk mengikut arahan dengan betul atau terlalu aktif, degil dan tidak menurut arahan pada kanak-kanak juga dapat diatasi selepas itu, ini menunjukkan gabungan garam tisu dan penawar-penawar seperti dibawah juga dapat merawat kes-kes ADD & ADHD yang ringan (mild).

Sekiranya ibu bapa memberi secara berterusan ADD & ADHD juga mampu ditangani.

Terdapat 1-2 kes epilepsy (sawan), dilaporkan semasa kanak-kanak tersebut mengambil IQ & EQ Booster , kanak-kanak tersebut tidak mengalami serangan sawan seperti kebiasaannya, epilepsy adalah kes yang tidak diketahui puncanya tetapi ada berkaitan dengan aliran lebihan caj-caj elektirk yang terjadi di otak. Kesan-kesan luar biasa yang terjadi di dalam otak akan mengakibatkan epilepsy.

Sekiranya anda mengatakan hanya gimik perniagaan sahaja, cubalah dan lihat hasilnya, ia juga mampu melambatkan proses atau mengekalkan prestasi otak dari terjadinya lupa dan hilang ingatan akibat tua atau nyayuk. Ini terjadi kerana tidak ada atau kekurangan bekalan sel-sel saraf baru yang dihantar atau sampai di otak, ia digelar short term memory loss, untuk mempastikan bekalan sel-sel saraf baru sentiasa cukup di otak Potassium phosphate amat penting di ambil setiap hari, Potassium phosphate didalam IQ & EQ Booster ialah Kalium Phospricum (kali.phos) yang memang sebahagian dari keperluan sel-sel saraf otak kita. Oleh itu “otak adalah boss kita” hargailah otak kita kerana tanpa otak yang sihat, seluruh tubuh akan terlibat dan menjadi lemah, berbagai penyakit akan menyerang kita selepas itu kerana “boss” tidak mampu mengawalnya.

IQ & EQ Booster untuk kegunaan semua lapisan umur bagi menangani masalah yang melibatkan minda, hafalan, menguatkan memori, melambatkan proses lupa akibat tua, otot-otot, percakapan dan lain-lain

HARGA

RM55 & Sabah & Sarawak RM60

CARA MEMESAN

SILA TAIP

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PRODUK HOMEOPATHY SETERUSNYA

CARA MENGATSI KENCING MANIS, DARAH TINGGI DAN KOLESTROL DENGAN PRODUK HOMEOPATHY

Hari Raya Aidil Fitri DAN aidil Adha Dan Masalah Kesihatan

Selamat …. Selamat .. selamat hari raya … minta mak kuih sepotong kerana perut sudah kosong. Begitulah lagu raya yang sering berkumandang bila hari lebaran menjelma tiba. Bila hari raya pasti ada yang merungut mengenai kolesterol atau tekanan darah yang meningkat akibat dari juadah-juadah yang dimakan sewaktu jamuan hari raya.

Ketupat, rendang, nasi tomato, nasi briyani, rendang tok dan bermacam-macam lagi juadah ditambah kelazatan dengan air sirap, bikarbonat dan pelbagai perisa yang lazat. Para penderita tekanan darah tinggi dan kencing manis pasti akan merungut kerana terpaksa hanya melihat juadah-juadah tersebut. Pantang? Ada yang pantang tengok habis dibedalnya , ada yang benar-benar pantang, aduhai tak best kan.

Berat badan juga akan naik dek kerana “meriahnya” jemputan rumah terbuka. Semua baju-baju raya hanya akan menjadi perhiasan almari selepas hari raya. Sedihnya baju mahal tetapi hanya jadi perhiasan almari.

Untuk mengatasi gejala sindrom hari raya ini produk yang amat membantu ialah seperti berikut ,

1. Garlic R79 – untuk kolesterol, tekanan darah tinggi dan komplikasi jantung

HARGA = RM80

r79-twin

INFO LANJUT KLIK WEBSITE DI BAWAH

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2. Dibonil – untuk pesakit kencing manis yang tidak bergantung kepada insulin (tahap 2).

HARGA = RM80

3. Card Aid & Beepee Aid – untuk masalah jantung dan tekanan darah

HARGA = RM80

4. Phytolacca Americana 3 in 1 – untuk mengawal berat badan dan nafsu pemakanan.

HARGA = RM110

INFO LANJUT KLIK WEBSITE DI BAWAH

WWW.MUDAH.AZHAAN.COM

Saya sendiri walaupun tidak mengalami masalah penyakit seperti jantung, kencing manis dan tekanan darah tinggi, produk-produk ini sentiasa menjadi bekalan didalam beg sebagai persediaan dan langkah pencengahan selepas mengambil makanan berlemak dan minuman yang manis. Saya akan mengambil 1 biji Garlic R79 untuk mengawal kolesterol dan 10 titis Dibonil untuk mengawal paras glukos. Produk-produk ini juga boleh membantu sekiranya terjadi serangan seperti darah tinggi dan peningkatan paras glukos yang sering terjadi kepada ibu, bapa , datuk dan nenek sewaktu anda dikampung.

LANGKAH PENCEGAHAN PENTING DARI MERAWAT

HARGA

Pakej  : Garlic R79 + Dibonil + Card Aid + Beepee Aid RM190 . Pakej ini tidak termasuk Phytolacca Americana 3 in 1.

CARA MEMESAN

SILA TAIP

PAKEJ Garlic R79, Diabomil, Card Aid | NAMA PENUH| ALAMAT| NO TELIFON

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PRODUK SETERUSNYA HERBA HOMEOPATHY UNTUK MEMBESAR,MEMANJANG,DAN MENGUATKAN ZAKAR LELAKI

KAMA herbs ( SUDAH TERJUAL BERIBU BOTOL SELURUH MALAYSIA

FUNGSI KAMAHERBS

- SEBAGAI PRODUK MEMANJANGKAN ZAKAR

- MENGUATKAN TENAGA BATIN

- MELAMBATKAN PANCUTAN

- MENYELESAIKAN MASALAH MATI PUCUK

- MENAMBAH NAFSU SEKS

- MELANCARKAN PEREDARAN DARAH

- MEMBESARKAN ZAKAR

- MEMANJANGKAN ZAKAR

- MENYEGARKAN ZAKAR AGAR BERFUNGSI SEMAKSIMUM MUNGKIN

- MENAMBAHKAN KEMAMPUAN MELAKUKAN SEKS BERULANG KALI

Hasil dari maklum balas oleh para pembeli , tujuh puluh peratus (70%), mengatakan mereka mula merasa kesan baik dari KAMAherbs seperti ereksi yang mantap dan bertenaga, tahan lama dari sebelum mengambil KAMAHerbs, penis “bangun” diwaktu pagi setelah beberapa lama ia tidak begitu, kuantiti sperma yang banyak walaupun baru bersama isteri didalam 1-2 hari, sakit pinggang berkurangan atau hampir tidak sakit pinggang langsung sewaktu bangun dari tidur, mudah tidur diwaktu malam, emosi lebih tenang, merasa saiz penis lebih besar dari sebelum ini,mereka merasa perubahan ini selepas satu atau dua minggu (1-2 minggu) mengambil KAMAherbs sebagai makanan kesihatan secara teratur dan kesan lebih pantas sekiranya tidak merokok dan melakukan masturbasi.

Oleh itu saya tidak menggelar KAMAherbs sebagai herba magis tetapi ia adalah herba hebat!!. Nanti saya akan bercerita kenapa KAMAherbs adalah herba hebat dengan rumusan yang hebat seperti Indian Viagra dan Indian Ginseng dan juga Tribulus.

Harga termasuk penghantaran : RM150

KRLEBIHAN KAMAherbs DAN MENGAPA IA SANGAT LARIS DAN TERKENAL

[kamaherbs3.JPG]

Sewaktu di “online” kan KAMAherbs ni ramai yang tertanya-tanya, herba apa la pula ni kan … KAMA di depannya macam ayat yang “common” je kan. Betul la macam korang fikir tu “KAMASUTRA” , kenapa Kamasutra? Jawapannya mudah , kerana herba-herba yang digunakan ialah Indian Ginseng dan Indian Viagra yang tersohor di seantero dunia. Malah nama herba hebat Ashwaganda telah tertera didalam kitab KAMASUTRA, sebagai raja herba dari pelbagai herba yang terdapat didalam kitab tersebut. Maka tidak keterlaluanlah jika diberi nama KAMAherbs Indian Ginseng atau Ashwaganda, nama saintifiknya ialah Withania Somnifera dan Safed musli atau nama saintifiknya Chlorophytum borivillianum yang telah dilapurkan mempunyai permintaan melebihi bekalan. Kerajaan India menggalak para petaninya untuk mengusahakan Ashwaganda secara intensif, dengan memberi kemudahan kepada para petani untuk memohon bantuan pinjaman bagi mengusahakan penanaman Ashwaganda dan Safed Musli atau “Indian Viagra”.

Ashwagandha, Ashwa bermaksud kuda , manakala ganda bermaksud wangian, ini merujuk kepada kekuatan seksual bak seekor kuda.

Bahan aktif yang dapat dikesan didalam Ashwaganda

Withaferin, Withanolides, Withanine, sitoindosides, Somniferine, Alkaloids dan Ethanolides. Withanolides dipercayai mempunyai pelbagai fungsi perubatan . Herba ini menstimulasi sistem sel imun seperti lymphocytes ( sel darah putih dan sistem imun vetebrate). Ashwaganda mengawal inflamasi (jika terjadi) dan mempertingkatkan memori atau minda. Pengambilan Ashwaganda dan Safed musli secara serentak akan membaikpulih sistem tubuh terutama sistem reproduksi lelaki. Aswaganda juga terkenal sebagai tonik atau herba adoptogen.

Bagaimana KAMAherbs berfungsi ?

Sekiranya ada produk yang boleh menjanjikan bahawa anda akan mendapat ereksi selepas 30-60 minit, pada pandangan saya ia mempunyai bahan-bahan perangsang seperti sidenafil, macam kes yang dilapurkan baru-baru ini, patut la “power” semacam je lepas minum kopi tersebut, rupa-rupanya kopi tersebut telah dicampur dengan sidenafil, bahan yang digunakan didalam Viagra. Nasihat saya kepada insan-insan yang inginkan kesan yang pantas, hentikanlah keinginan yang boleh membawa malapetaka ini dan kembalilah ke jalan yang agak jauh tetapi anda boleh mendapat manfaat yang kekal.

Konsep penyembuhan KAMAherbs adalah sama seperti lain-lain produk, Viagra , Vimax dan pelbagai nama lagi dipasaran. Ramuan herba yang berkualiti tinggi didalam KAMAherbs akan bertindak mengawal stres yang menjadi masalah utama kepada individu yang mengalami ED. Hasil kajian menunjukan stres adalah punca utama kepada ED, ereksi pra-matang, kehilangan libido (nafsu seksual) dan pelbagai masalah kesihatan lain seperti obesiti, kesuburan, kemurungan, darah tinggi, jerawat dan lain-lain.

KAMAherbs akan merawat ED dengan memberi kesan secara semulajadi, yang membolehkan otot di antara dinding arteries (saluran yang membawa darah beroksigen) didalam penis membesar atau tidak mengecut (ia releks). Ini membolehkan saluran itu membesar dan membenarkan lebih banyak darah melaluinya dan membolehkan erection (penis mengeras) dan menjadikan penis lebih besar.

http://4.bp.blogspot.com/_AomIg2-Ao9g/S-VY6ZzHLkI/AAAAAAAAAe8/15tY8BWv9hg/s1600/penistransverse.jpg

Zakar atau penis lelaki mempunyai 2 saluran, salah satunya Corpora Cavernosa , Corpora Cavernosa ialah saluran diatas penis sementara Corpus Spongiosum dibahagian bawah penis .Urethra ialah saluran kencing dan pengeluaran sperma. Bila saluran ini tidak relek atau mengecut maka bekalan darah tidak dapat memasuki penis dan terjadi ED. Herba-herba ini membantu untuk kedua-dua saluran ini menampung lebih banyak darah, tidak mustahil penis anda mendapat ereksi yang padu, bertenaga dan menjadikan penis anda lebih panjang dan besar.

http://1.bp.blogspot.com/_AomIg2-Ao9g/S-Vbzo3XwqI/AAAAAAAAAfE/sIACx7tnaVI/s1600/corpa.jpg

Bahan-bahan utama KAMAherbs

http://2.bp.blogspot.com/_AomIg2-Ao9g/S-Vhc2qffuI/AAAAAAAAAfM/gbn_5S252oo/s1600/ashwagandha2.jpeg

Ashwaganda adalah tumbuhan yang tumbuh di India, Paksitan dan Sri Lanka, menyerupai pokok tomato dan satu species dengan pokok tomato. Pakar Ayurvedic telah mendapati Ashwaganda telah tertulis didalam kitab KAMASUTRA sebagai tumbuhan yang amat hebat diantara tumbuh-tumbuhan aphrodisiac yang tercatat didalam kitab tersebut. Ashwaganda juga digelar dengan pelbagai nama seperti Indian Ginseng, Winter Cherry, Ajaganda, Sam Al Ferakh dan lain-lain lagi mengikut bahasa Negara masing-masing. Ashwaganda

Ashwaganda adalah herba adoptogen, istilah ini digunakan oleh herbalist (ahli herba bertauliah) sebagai merujuk kepada herba semulajadi yang membantu menguatkan ketahanan tubuh kepada stress, trauma, kerisauan melampau dan keletihan melampau. Kesemua herba adoptogen adalah anti-oxidant (antioxidants berfungsi melawan dan mempertahankan tubuh dari serangan unsur tidak baik sehingga boleh merosakkan tubuh manusia). Herba adoptogen juga adalah bebas toksik.

http://3.bp.blogspot.com/_AomIg2-Ao9g/S-VhdJVrIaI/AAAAAAAAAfU/NZXEaneHcyc/s1600/Chlorophytumborivilianum.gif

Safed Musli juga dianggap tumbuhan “ajaib” hingga digelar “wonder crop”, “herbal Viagra” dan “root of gold” kerana kesan terapuetik yang mempunyai nutirisi tonik seperti 25 bahan alkaloid, protein, karbohidrat, steroid dan polysaccharides yang boleh dimanfaat oleh sistem tubuh manusia. Herba hebat ini telah dikaji dan disahkan mampu,

v Safed Musli mempunyai kesan anti-ageing. Kesan ini membolehkan herba hebat ini menyegarkan tubuh dan minda tanpa kesan sampingan

v Selain Ashwaganda , Safed Musli juga di anggap “teman baik bagi lelaki” . Ia adalah herba aphrodisiac yang amat hebat untuk merawat system reproduksi lelaki seperti mati pucuk, pancutan pra-matang dan kuantiti sperma yang tidak mencukupi.

v Merawat keletihan mental dan fizikal

v Menaiktaraf sistem ketahanan badan.

v Ia juga digunakan sebagai herba untuk merawat kencing manis dan sakit-sakit sendi (arthritis)

Ginseng adalah tumbuhan adoptogen seperti Ashwaganda yang biasanya boleh didapati dinegara Asia yang beriklim sejuk dan biasanya di tanah tinggi seperti digunung yang biasanya di Negara China, Korea dan Jepun. Ginseng adalah tumbuhan yang lambat untuk membesar menjadikan ginseng amat berharga dipasaran. Sebagai herba adoptogen Ginseng bertindak hampir sama kesannya dengan Ashwaganda. Gandingan Ginseng dan Ashwaganda akan memberi kesan “double impact” dimana kedua-dua ginseng ini mempunyai kesan ginsenosides (steroid semulajadi) yang berbeza-beza.

TAPI MUNGKIN ANDA BERFIKIR BANYAK KALI UNTUK MEMBELI PRODUK INI……

NILAI RM150 ADALAH KECIL JIKA DI BANDINGKAN DENGAN KEPUTUSAN YANG ANDA PEROLEHI NANTI..

- BAYANGKAN ISTERI ANDA TERSENYUM SELEPAS BERSAMA DENGAN ANDA….

- KEYAKINAN ANDA BERTAMBAH

- ANDA TIDAK MERASA RENDAH DIRI LAGI UNTUK BERSAMA ISTERI ANDA…

- KEPUASA TERPAMPANG DI WAJAH ISTERI ANDA

- ISTERI ANDA MEMUJI ANDA…..”ABANG POWER LA”….”TERIMA KASIH ABANG…..”

SEGALA KENIKMATAN DI ATAS TIDAK TERNILAI OLEH WANG RINGGIT…

HIDUP HANYA SEKALI….JANGAN SAMPAI SUDAH TERLEWAT BARU ANDA MEMBUAT TINDAKAN……

HARI ESOK BERMULA DENGAN APA YANG KITA LAKUKAN HARI INI……

CARA MEMESAN

SILA TAIP

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ATAU LIHAT PADA MENU DI SEBELAH KANAN ANDA

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INFO KESIHATAN PERCUMA UNTUK PENGUNJUNG AZHAAN BROTHERS SHOP

APA ITU TEKANAN DARAH TINGGI

Tekanan darah adalah tekanan yang dikenakan terhadap pembuluh arteri semasa peredaran darah yang disebabkan oleh denyutan jantung. Darah tinggi atau Hipertensi (Inggeris = Hypertension) merujuk kepada Tahap tekanan darah yang meningkat lebih tinggi dari tahap biasa secara kronik. Pesakit yang mempunyai sekurang-kurangnya tiga bacaan tekanan darah yang melebihi 140/90 mmHg semasa berehat dijangka mempunyai keadaan darah tinggi.

Kadar tekanan darah tidak sama sepanjang masa. Ia sering berubah-ubah mengikut keperluan badan anda. Jika tekanan darah anda tinggi, doktor anda akan memeriksa semula tekanan darah anda untuk beberapa kali bagi menentukan kadar tekanan darah anda yang sebenar.

Tekanan darah ada dua ukuran dan biasanya diukur seperti berikut – 120 /80 mmHg. Nombor atas (120) menunjukkan tekanan ke atas pembuluh arteri akibat denyutan jantung. Ia dipanggil tekanan sistolik. Nombor bawah (80) menunjukkan tekanan semasa jantung berehat di antara pengepaman. Ia dipanggil tekanan diastolik. Masa yang paling baik untuk mengukur tekanan darah adalah semasa anda rehat dan dalam keadaan duduk atau baring.

PUNCA DARAH TINGGI

Menurut kertas penyelidikan April 2007 yang dihasilkan oleh pakar sains British, penyakit vaskular otak adalah punca tekanan darah tinggi, bukannya penyakit vaskular pada jantung seperti yang dipercayai sebelum ini. Protein yang terdapat pada otak yang dikenali sebagai JAM-1 didapati bertanggungjawab bagi memerangkap sel darah putih yang kemudian menyebabkan keradangan dan menghalang aliran darah, mendorong kepada kekurangan bekalan darah pada otak yang kemudian mengawal tekanan darah dalam badan

Jenis-jenis Hipertensi

1. Hipertensi Primer – Ini membentuk sebahagian besar dari hipertensi-hipertensi. Punca  peningkatan tekanan adalah tidak diketahui. Akan tetapi, faktor-faktor risiko adalah :-

Sejarah hipertensi dalam keluarga.
Kegemukan.
Pengambilan garam dan alkohol yang melampau.
Merokok
Tekanan yang melampau.

2. Hipertensi Sekunder – Bentuk ini, seperi yang digambarkan oleh namanya, adalah peningkatan tekanan darah disebabkan oleh punca-punca/penyakit-penyakit yang lain seperti:-

Penyakit-penyakit Ginjal.
Penyakit-penyakit  Endokrin.
Disebabkan Ubat.
Kecacatan kelahiran.
Punca-punca lain.

Komplikasi-komplikasi

Tekanan darah tinggi (kadang-kadang dirujuk sebagai “pembunuh senyap”) harus dimantau selalu dan dirawat oleh seorang doktor. Jika tidak dikesan atau jika tidak dirawat dengan betul, ia boleh membawa kepada komplikasi-komplikasi seperti :-

Strok – yang berlaku apabila salur darah ke otak disekat, bocor dan pecah.
Jantung – salur darah yang membekalkan otot-otot jantung disekat sepenuhnya.
Kegagalan jantung – jantung tidak dapat mengepam darah dengan secukupnya.
Kerosakan Ginjal.
Kerosakan Mata.

Tanda-tanda dan Gejala-gejala

Biasanya, pada hipertensi primer atau esensial, tiada gejala-gejala yang dikesan sehinggalah komplikasi berlaku. Terdapat hanya satu cara untuk mengesan hipertensi iaitu dengan selalu memeriksa tekanan darah. Anda harus berjumpa dengan doktor anda jika anda mengalami mana-mana atau semua yang berikut :-
Tekanan diastolik melebihi 90mm Hg.
Pembengkakkan pada pergelangan kaki atau jari.
Tercungap-cungap.
Pandangan yang kabur.
Pendarahan di hidung yang sering berulang.
Sakit kepala yang berterusan.
Pening

YANG BENAR,

AZHAAN

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AzhaaN Brothers SHop = ANDA MEMPUNYAI MASALAH JERAWAT , JERAGAT DAN INGIN MEMUTIHKAN BAHAGIAN ANGGOTA BADAN YANG GELAP..INGIN CERAHKAN ALAT SULIT ANDA….?06.05.10

INGINKAH ANDA MEMPUNYAI WAJAH SEPERTI DI BAWAH…?????

MESTILA NAK KAN……HEHEHE

SAYA NAK BERKONGSI DENGAN ANDA PRODUK HEBAT YANG BERKESAN MEMBANTU ANDA YANG MEMPUNYAI MASALAH DI BAWAH….

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- KETIAK HITAM

- ALAT SULIT YANG GELAP

- BAHAGIAN LEHER YANG GELAP DAN ANGGOTA BADAN LAIN YANG GELAP

- KULIT SENSITIF

- KULIT MUKA YANG BERLUBANG-LUBANG

- KULIT MUKA YANG NAMPAK LIANG-LIANG TERBUKA….

ANDA CANTIK TAPI TAK BEST LA KALAU KULIT TAK CANTIK DAN BERJERAWAT..

JANGAN TUNGGU SAMPAI JERWAT ANDA JADI MACAM NI…

USAH BIMBANG LAGI……

INGINKAN SESUATU YANG BOLEH MEMBATU ANDA MEMPUNYAI WAJAH YANG CANTIK , BERMAYA, BERSIH DAN ANGGUN DAN TAMPIL DENGAN PENUH KONFIDEN…..

MEMPERKENALKAN PENYELESAI KEPADA MASALAH ANDA

PRODUK HOMEOPATHY UNTUK MASALAH JERAWAT DAN KULIT BERMASALAH

BAGI SUAMI ATAU KEKASIH, HADIAHKAN PRODUK INI SEBAGAI TANDA KASIH DAN CINTA ANDA PADA PASANGAN ANDA….KEKASIH ANDA PASTI TERSENYUM…

CARA MENGHILANGKAN JERAWAT DENGAN CEPAT , MELICIN DAN MEMUTIHKAN WAJAH, DAN MENGHILANGKAN PARUT

CARA MUDAH HILANGKAN JERAWAT,JERAGAT DAN PARUT SERTA CERAHKAN WAJAH DENGAN HOMEOPATHY

PRODUK HOMEOPATHY UNTUK MASALAH JERAWAT DAN KULIT BERMASALAH

Memperkenalkan Krim hapus jerawat,jeragat,hitam bawah mata dan kutil

BAGI SUAMI ATAU KEKASIH, HADIAHKAN PRODUK INI SEBAGAI TANDA KASIH DAN CINTA ANDA PADA PASANGAN ANDA….KEKASIH ANDA PASTI TERSENYUM…

CARA MENGHILANGKAN JERAWAT DENGAN CEPAT , MELICIN DAN MEMUTIHKAN WAJAH, DAN MENGHILANGKAN PARUT

Begitulah luahan perasaan gembira seorang pengguna produk BC01, BC04, BC16, CCC dan CCS. Tetapi kali ini saya amat bertuah kerana diizinkan untuk menyiarkan wajah ala-ala “Ayu Raudah” seperti yang kerap dipuji oleh suaminya, dia rasa suaminya hanya ingin mengambil hati sahaja,rakan-rakan sekerja pun surunya.
Jeragat, whitehead, blackhead dan kesan-kesan parut boleh dikatakan 95% hilang didalam tempoh 3 bulan dia mengguna produk yang selamat dan tanpa kesan sampingan. Siapa kata bahan kosmetik sahaja yang mampu mencantikkan wajah, bahan-bahan dari alam semulajadi juga mampu mencantikkan wajah seperti di atas.

Biochemic (Garam tisu) Untuk Masalah Jerawat dan Parut

Produk yang bermula dengan awalan BC bermaksud Biochemic atau garam tisu yang menjadi sebahagian daripada perubatan homeopati. Seringkali disebut Homeopathic Biochemic adalah menggunakan konsep penyediaan remedi yang sama dengan perubatan homeopati tetapi tidak tertakluk kepada konsep seperti homeopati iaitu “serupa menyembuhkan yang serupa”, kerana biochemic membantu membekal garam tisu yang berkurangan didalam tubuh sehingga menjadi punca kepada sesuatu penyakit dan bukan kepada persamaan sesuatu simptom dengan remedi seperti homeopati.
Perubatan alternatif Biochemic sering dipraktik oleh sebahagian besar doktor-doktor homeopati termasuk saya kerana cara pemilihan remedi yang tidak terlalu banyak iaitu hanya sekadar 12 remedi yang mewakili 12 mineral atau garam tisu yang sedia ada di dalam tubuh , ia lembut dan selamat untuk semua peringkat umur, termasuk ibu-ibu mengandung dan bayi.
Biochemic telah menunjukan prestasi yang cemerlang untuk menangani pelbagai penyakit yang terjadi akibat kekurangan mineral di dalam tubuh. Paling utama ialah masalah kulit seperti jerawat yang terjadi akibat kekurangan beberapa garam tisu yang terdapat di dalam tubuh seseorang itu.

Mengapa perlu mengambil Biochemic?

Ini ialah kerana Biochemic mampu merawat tanpa meninggalkan kesan sampingan seperti produk kosmetik atau berteraskan bahan kimia yang pasti akan menjadikan anda hanya cantik di luaran sahaja kelihatan bersih dan bebas jerawat, dengan membenam jerawat dan akhirnya menjadi nanah di bawah permukaan kulit anda tanpa anda sedari.
Muka kita secara konsisten bergelut untuk terus berada pada tahap terbaik pada setiap hari kerana sering terdedah kepada pelbagai unsur negatif seperti pencemaran udara. Kerap kali juga muka akan mengalami kekeringan atau terlalu berminyak. Selain dari itu, hormon yang tidak menentu juga memainkan peranan yang penting, kecelaruan aktiviti hormon seperti terlalu rendahatau kadang-kadang terlalu tinggi, menambah kepada masalah yang sedia ada.
Apabila jerawat mula naik,situasi panik akan membuatkan setiap individu mula mencari ubat-ubat dan krim untuk merawat dan menghapus jerawat. Bahan-bahan merawat digunakan seperti krim-krim pencuci dan penghapus jerawat yang mengguna bahan kimia yang berunsurkan “membenam” jerawat ke bawah lapisan kulit dan menanggalakan kulit (mengelupas) akan menambah derita, seperti perumpaan “sudah jatuh ditimpa tangga”. Oleh itu kita perlu bijak memilih konsep rawatan yang selamat, bebas bahan kimia dan yang penting tdak meninggalkan kesan sampingan seperti biochemic dan homeopati.

Perbezaan Di Antara BC-01, BC-04 dan BC-16

Perbezaan di antara produk ini hanyalah kombinasi remedi untuk masalah seperti jerawat pasir, jerawat batu, jerawat bernanah dan menghilangkan parut hasil dari jerawat tersebut.
* BC-01 – Acne & Scar (jerawat dan parut) yang biasanya dicadangkan kepada individu yang berjerawat pasir dan ringan, ia amat sesuai digandingkan dengan Carmino Healing Cream (CHC) serta Sabun Merrygold
* BC-04 With Biochemic Collagen adalah bertujuan untuk menambah protein yang berkurangan didalam kulit dan menjadikan kulit lebih sihat dan cerah. Ia juga membantu menambah keanjalan kulit agar Nampak segar , menghapus lebihan minyak, menegangkan kulit muka dan memudarkan parut-parut.
* BC-04 juga sesuai digandingkan dengan krim Carmino Complexion Cream (CCC) dan Carmino Complexion Soap (CCS) atau Merrygold Soap (MGS). Selain CCC, Soundarya atau Aquifolium Cream juga boleh digandingkan bersama-sama BC-04 begitu juga dengan BC-01 dan BC-16. BC-04 boleh diambil sebagai remedi “maintenance” selepas mengambil BC-01 dan BC-16.
* BC-16 Skin repair formula yang mengandungi kombinasi untuk merawat jerawat, bintik-bintik hitam dan putih (blackhead & whitehead) ,dan detox serta membersih bahan-bahan yang tidak dikehendaki dibawah lapisan kulit seperti nanah,sel-sel kulit mati dan juga untuk alergik kepada makanan atau persekitaran yang tidak bersih. Hasilnya jika individu tersebut mempunyai nanah dan sel-sel kulit mati, akan terjadi penolakan keluar dan menjadikan jerawat tersebut akan lebih teruk buat sementara waktu. Ini adalah kesan positif, tetapi ramai yang tidak tahan dengan situasi ini dan sering panik, tetapi anda perlu bersyukur kerana nanah-nanah dan sel kulit mati itu jika dibiarkan bermastautin di bawah kulit muka anda, secara pastinya satu hari nanti anda berkemungkinan besar akan mendapat kanser kulit. Setelah bahan-bahan yang tidak berguna itu telah ditolak keluar dan formulasi biochemic akan mengimbangi bahan-bahan mineral yang berkurangan kepada paras yang selamat. Oleh itu anda akan memperolehi penyembuhan yang hampir sifar untuk mendapat jerawat semula.
* Bagi individu yang mengalami masalah jerawat akibat dari resdung juga bermanfaat dengan remedi biochemic kerana kombinasi untuk jerawat juga akan merawat resdung pada masa yang sama.

Kesan Sampingan

Tidak ada kesan sampingan yang dilapurkan, biochemic adalah amat selamat untuk semua peringkat umur, ibu-ibu yang mengandung dan kepada warga emas.

Mengapa Anda Mudah “Sunburn”?.

Hydroquinone, atau benzene-1,4-diol atau quinol .. Hydroquinone digunakan dialam produk kosmetik untuk mencerahkan kulit muka. Kebanyakan Negara termasuk Food and Drug Administration Amerika Syarikat telah mengharamkan penggunaan Hydroquinone 2% semenjak 2006 lagi. Tidak dinafikan Hydroquinone bertindak dengan pantas seperti menghapus jerawat, mencerahkan kulit serta “menghakis” kulit muka yang kusam dan menjadikan kulit itu nipis serta licin. Kesan jangka panjang ialah lapisan kulit yang sepatutnya menjadi penghadang kepada sinaran UV telah “dihakis” oleh Hydroquinone sehingga menjadikan individu tersebut mudah “sunburn” walaupun terdedah kepada cahaya UV yang minima.
Nota :
Krim-krim homeopati adalah dari estrak bahan-bahan tumbuhan dan berasaskan bahan telap air, ia tanpa bahan berminyak dan tidak ada bahan-bahan dari ekstrak haiwan

BioChemic Acne Scar (BC-1)

BioChemic Acne Scar  berfungsi dari dalam untuk merawat masah jerawat. Parut jerawat bukan sahaja perlu dirawat daripada luar seperti penggunaan cream carmino tetapi harus dirawat dengan BioChemic Acne Scar yang akan memulihkan sel-sel kulit yang telah mati.
Penggunaan BioChemic Acne Scar akan merawat parut jerawat yang sudah lama dan baru. Supaya permukaan kulit akan menjadi licin dan parut akan hilang beransur-ansur. Formula boichemic yang digunakan sungguh selamat dan tiada meninggalkan sebarang kesan sampingan. Alami kehebtan biochemic acne scar untuk pemulihan parut secara holistik. BioChemic Acne scar ini cukup mujarab untuk merawat masalah jerawat dan parut jerawat yang baru dan lama. Biasa parut baru dalam masa 2-3 minggu akan hilang.Parut jerawat yang lama seperti berlubang memerlukan 2-3 bulan untuk hilang. gabungan dengan cream carmino dan sabun marigold akan menghasilkan kesan yang lebih pantas. Testimonial pelanggan yang menggunakan BioChemic Acne Scar (BC-1) 1. Sabariah Mohamad – sabah Salam, memang hebat BC-1 ini.  Saya menggunakannya bersama carmino,hasilnya dalam masa 3 minggu parut jerawat saya pudar dan hilang. Jerawat lama yang berlubang-lubang ini mula hilang selepas 7 minggu menggunakakanya.Saya akan gunakan sehingga hilang. Mungkin untuk 2-3 bulan.Apa yang saya sukaselain hilang parut,muka saya bertambah licin dan segar. Sekarang ini saya dapat confident level balik. tq so much. 2.Najihah – Pulau Pinang. BC-1 very powerfull,after 3 weeks,my scar and acne gone. tq so much

Biochemic Collagen BC04 ( Untuk kulit cerah,licin,gebu dan hilang kedut )

Skin Nutrient With Biochemic Collagen adalah produk remedi homeopathy daripada formula Biochemic yang cukup efektif. Melalui sistem homeopathy kandungan collagen telah dimasuk dan dirakam dalam gula-gula  sukrosa. Cara pengambilannya yang mudah.Hanya kemam dibawah lidah 4 biji , tiga kali sehari. Skin Nutrient With Biochemic Collagen dapat melicinkan kulit dan memutihkan kulit secara semulajadi dan selamat tanpa bahan kimia dan kesan sampingan.
Selain itu Skin Nutrient With Biochemic Collagen dapat menghilangkan kesan kedut dan membuat kulit menjadi licin dan gebu. Pengambilannya setiap hari dapat membaiki struktur kulit dan kekurangan colagen. Kesannya dapat dirasai setelah 2 minggu pengambilannya. Anda pasti terpegun dengan hasilnya.Semua remedi homeopathy tidak tertakluk dibawah Akta racun 1952.Ini menunjukkan betapa selamatnya remedi sehingga dikecualikan daripada akta racun 1952 dan tidak memerlukan kelulusan KKM. Kombinasi garam tisu yang terdapat di dalam BC – 04 Skin Nutrient With Biochemic Collagen adalah kombinasi garam tisu yang sangat diperlukan oleh sel kulit apabila radang kulit terjadi seperti jerawat batu yang besar dan merah sehingga selepas itu meninggalkan parut. Muka menjadi berminyak dan kelihatan kusam. Biochemic collagen yang terdapat didalam kombinasi ini akan menjadi sebagai agen pencuci atau penghapus toksik dan hormon yang tidak seimbang didalam sel kulit.Calcarea Sulp, CS6x mempercepatkan proses penyembuhan infeksi yang lambat untuk sembuh, terjadi discaj bernanah yang pekat berwarna kuning dan spot (kesan seperti bulatan yang keras kadang-kadang berwarna perang atau merah kemerahan) yang terjadi sewaktu proses penyembuhan untuk kembali menjadi sekata dengan warna kulit asal. Kali Mur, KM6x merupakan Biochemic Collagen untuk kes-kes toksik, alergik, lendir berlebihan dan keadaan penyakit semakin bertambah teruk. KM juga amat baik untuk kes-kes resdung. Kali Sulp, KS6x bekerja untuk merawat kes bernanah yang cair berwarna kuning, kulit yang bersisik akibat kulit menjadi kering.
Silica atau S30 juga merupakan salah satu kolagen juga, dimana ia digelar sebagai “memaksa toksik untuk keluar” ia mempercepatkan infeksi pada kulit seperti nanah untuk “masak” dan menyembuhkan lalu membina tisu-tisu baru bagi menghilangkan parut-parut. Silica secara semulajadinya boleh didapati didalam kulit, kuku dan tisu-tisu yang bersambung didalam tubuh kita

Biotherapy Cell Salt , BC16 – Skin Repair Formula

http://zuzila.com/blog/wp-content/uploads/2010/03/bc16-skin-repair-formula.jpg

BC16

Garam tisu amat diperlukan oleh sistem tubuh untuk keseimbangan bagi keseluruhan tubuh dan amat lembut serta berkesan bagi menghapus jerawat dan lain-lain masalah kulit seperti jerawat yang bernanah, garam tisu membantu untuk mengekalkan kualiti kulit pada keadaan yang terbaik.
BC16 – Skin Repair Formula ialah hasil usaha berterusan kami untuk menawar produk yang lembut dan sememangnya garam tisu ini adalah mineral yang diperlukan oleh tubuh kita dan merupakan gandingan kepada produk berjenama Biotheraphy Cell Salt (BC) seperti BC01 – Acne & Scar dan BC04 – Skin Nutrient With Biochemic Collagen yang telah mendapat sambutan yang amat memberangsangkan.
100% Semulajadi, selamat dan anda tidak perlu gusar akan kesan sampingannya kerana ia disediakan dengan kaedah homeopati dan biochemic garam tisu.

Formula :

  • Cal.sulph – Berfungsi untuk membantu menghapus jerawat yang degil dan lambat untuk sembuh, kadang-kadang terjadi “letusan” (eruption) bernanah atau yang berwarna kekuningan
  • Kali.mur – Bertindak sebagai kolagen dan membantu menghapus bintik putih (whiteheads) dan bintik hitam (blackheads), menghapus jerawat dengan discaj atau nanah warna putih.
  • Kali.sulph – Melegakan “letusan” (eruption) yang berair berwarna kekuningan atau kulit yang kering serta mengelupas.
  • Silica – Remedi No.1 untuk menghapus jerawat dan parut akibat jerawat. Silica juga membantu menguatkan sel-sel kulit.

HARGA

BC01 = RM80

BC04 = RM80

BC16 = RM80

PAKEJ

TETAPI JIKA SALAH SATU PRODUK BC DI ATAS DI PAKEJKAN DENGAN SABUN CARMINO DAN CREAM CARMINO HANYA RM150 SAHAJA

“PENGHANTARAN ADALAH PERCUMA KE SELURUH MALAYSIA TERMASUK SABAH DAN SERAWAK”

CARA MEMESAN

SILA TAIP
BC01 @ BC02 @ BC16@ PAKEJ BC | NAMA PENUH| ALAMAT| NO TELIFON
DAN HANTAR KE

0178803369

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UNTUK MEMESAN SILA KLIK BUTON DI BAWAH

Oppssssss Tunggu dulu….

Khas buat mereka yang ada resdung….
anda boleh tambahkan set biochemic dengan spray rawatan resdung luar biasa dari Homeopathy

Resdung? HAPUSKAN dalam tempoh 3 HARI!

Produk terlaris ketika ini untuk BUNUH resdung yang menyusahkan hidup anda. Resdung menyebabkan:

- Bersin
- Hidung gatal
- Berjerawat
- Mulut busuk
- Hidung tersumbat
- Migrain

6 Gambar Ngeri Muka Di Makan Kuman

HAPUSKAN Semuanya! Banyak testimoni yang dah berjaya!

Tanda-Tanda Penghidap Resdung:

>> Hidung tersumbat dan berbau busuk
>> Gatal-gatal di kawasan muka, telinga, mata dan hidung
>> Hidung kerap berair walaupun tidak selsema
>> Kerap bersin terutama di waktu pagi
>> Rasa berat muka atau sakit terutama di kawasan antara mata
>> Sakit tekak sacara berpanjangan serta berulang
>> Mengalami demam atau rasa tidak sedap badan secara berpanjangan
>> Kerap sakit kepala atau migrain

Resdung juga menyebabkan nafas kita berbau busuk dan menimbulkan keadaan yang tidak selesa. Perubatan allupaty hanya merawat resdung atau alergi dengan meberi ubat antibiotik yang bersifat sementara dan kadangkala antibiotik yang digunakan menimbulkan masalah pada mereka yang menghidapi resdung seperti ketidakselesaan sistem usus dan sebagainya.

Dalam perubatan homeopathy dan biochemic ,resdung atau alergi adalah perkara yang mudah dirawati. Melalui penggunaan bahan seperti tisu garam mineral,resdung dapat dirawat dengan mudah.Antara remedy bersifat oral yang terbaik adalah remedy yang bersifat luaran yang biasanya disemburkan kedalam hidung adalah pulsatilla.

Tanda-tanda ini muncul berulang kali terutamanya:

  • Selepas mengambil makanan laut, makanan yang diperam (belacan, cencalok dsb) atau berMSG (ajinomoto). Terdapat juga bahan kimia pengawet yang boleh merangsang resdung.
  • Pada waktu pagi, pada cuaca terlalusejuk (atau keadaan berhawa dingin) dan di tempat-tempat berhabuk.

Rawatan resdung yang dihasilkan ke dalam bentuk cecair adalah merupakan antara kaedah rawatan resdung paling cool untuk tahun 2012 kerana dengan cara rawatan resdung ini tidak perlu mengasap rokok resdung yang tentunya memerlukan banyak masa anda.

Rawatan resdung homeopathy adalah merupakan antara cara rawatan resdung yang berbentuk cecair. Ia amat mudah digunakan dan tentunya menjimatkan masa anda. produk yang di maksud kan ialah Pulsatilla..iIa telah membantu ramai customer saya mengatasi masalah resdung mereka yang kritkal.

Fungsi:
  • Penyembur hidung bagi merawat masalah resdung / sinus yang kronik
  • Membantu melegakan simptom-simptom selsema, kerap bersin, hilang deria bau
  • Mengurangkan tekanan dan kesakitan akibat masalah sinus yang boleh membawa kepada sakit kepala yang teruk
Cara penggunaan:
  • Dewasa                    : 1 kali pam setiap 3 – 5 kali sehari
  • Umur 6 – 12 tahun  : 1 kali pam setiap 3 – 5 kali sehari
  • Umur 2 – 5 tahun    : 1 kali pam setiap 2 – 3 kali sehari
  • Umur 0 – 12 bulan  : 1 kali pam setiap 1 – 2 kali sehari
Kandungan : Calcium Carbonicum Hahnemanni D12 2, 5 g, Cinnabaris D8
2, 5 g, Kalium Bichromicum D6 2, 5 g, Pulsatilla D6 2, 5 g
Berat : 15 ml

Alhamdulillah setakat ini banyak feedback positif yang diterima daripada mereka yang menggunakan produk rawatan resdung ini. Ini membuktikan cara rawatan resdung berbentuk cecair juga mampu membantu menyelesaikan masalah resdung.

Jika anda ingin mendapatkan mungkin antara rawatan resdung paling berkesan ini , tak perlu keluar rumah. Penghantaran pos laju ada disediakan. Selain daripada mudah diambil serta menjimatkan masa, dengan rawatan resdung ini tidak perlu lagi untuk habiskan masa anda di pusat-pusat rawatan resdung. Hanya guna produk rawatan resdung ini di rumah atau pejabat.

Melalui SMS: Sila SMS kod <Set Biochemic +Pulsatilla> ke 0125806029sekarang!

ATAU

Melalui SMS: Sila SMS kod <Pulsatilla> ke 0125806029 sekarang!

Kami akan reply dengan harga promosi dan cara tempahan secepat mungkin

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AzhaaN Brothers SHop = Anda Main Tak Sampai 5 Minit? Anda Mengalami Pancutan Pramatang?SUDAH LAMA BERKAHWIN TAPI BELUM DAPAT ANAK???05.30.10

ADAKAH ANDA MEMPUNYAI CABARAN DI BAWAH……………………….??????

-           LEMAH  TENAGA BATIN

- SUDAH LAMA BERKAHWIN TAPI BELUM DAPAT ANAK

- sudah mencuba banyak kaedah tapi masih belum mendapat kepuasan da;lam hubungan suami isteri

-           ALAT KELAMIN ANDA LEMAH

-           ALAT KELAMINNYA TIDAK TEGANG DAN LEMBIK

-           ALAT KELAAMINNYA TIDAK TAHAN LAMA DAN CEPAT PANCUT

-           ALAT KELAMINNYA KUAT TAPI NAK KUAT LAGI…

-           ALAT KELAMINNYA TEGANG TAPI CEPAT TERPANCUT

-           INGIN ALAT KELAMIN YANG BESAR, PANJANG DAN TAJAM.

-           INGIN HEBAT DI RANJANG

-           MALU UNTUK MEMBELI PRODUK TERUS DARI KEDAI KERANA MALU JIKA ORANG LAIN TAHU KELEMAHAN ANDA

Anda Main Tak Sampai 5 Minit?

Anda Mengalami Pancutan Pramatang?

Adakah Rutin Seks Anda Terganggu?

-           INGIN MELAKUKAN HUBUNGAN SEKS BERULANG KALI BERSAMA PASANGAN ANDA.

-           ISTERI YANG INGINKAN PASANGAN ANDA HEBAT KETIKA MELAKUKAN HUBUNGAN SEKS DENGAN ANDA

-           ISTERI YANG INGINKAN SUAMI ANDA  DAPAT MELAKUKAN HUBUNGAN SEKS DENGAN ANDA SEHINGGA ANDA PUAS

-           ISTERI YANG INGINKAN SUAMI ANDA HEBAT MELAYANI HUBUNGAN SEKS SEPERTI MULA-MULA KAHWIN DULU..

-           ISTERI YANG TIDAK MERSA PUAS DENGAN HUBUNGAN SEKS ANDA

USAH RISAU LAGI KERANA KAMI ADA JALAN KELUAR UNTUK MASALAH ANDA DI ATAS…

MEMPERKENALKAN PRODUK HEBAT UNTUK LELAKI YANG INGINKAN ISTERI DAN PASANGAN ANDA MERASA BAHAGIA KETIKA MENIKMATI HUBUNGAN SEKS BERSAMA ANDA…

BAYANGKAN ISTERI ANDA TERSENYUM SELEPAS MELAYARI HUBUNGAN INTIM BERSAMA ANDA

MEMPERKENALKAN PRODUK HEBAT MASA KINI….

KAMAherbs sudah menjadi bualan di kedai-kedai kopi malah di Koptiam juga, di lobi hotel pun sudah mula terdengar-dengar bisik-bisik para hartawan dan konglomerat yang inginkan stamina mereka seperti mereka sewaktu muda-muda dahulu. Mereka juga sudah cuak dengan “pil biru”, yang boleh membuat mereka “mati di atas perut”.

“Tak nak lah saya Dato’… tiba-tiba mati atas perut , keluar TV3”, saya terdengar seorang hartawan yang sedang berbual di lobi hotel terkemuka sewaktu sedang bercuti tempoh hari.”Ko surf internet ada produk baru budak aku bagitau, KAMA apa tah KAMAherbs gitulah namanya, katanya power” Dato tersebut menjawab separuh berbisik. Saya tersenyum sendirian , famous juga KAMAherbs ni yer . Tiba-tiba dicubit oleh isteri “ Ha tu senyum-senyum ada apa tu “. Saya jawab ringkas “syyy nanti abang bagi tau yer”.

Soalan cepu emas yang sering ditanya oleh pembeli ialah “berapa lama nak nak nampak kesan?.” KAMAherbs bukanlah herba yang boleh menjanjikan satu minit atau 1 jam untuk membolehkan anda “beraksi”. Ia adalah rumusan seratus peratus herba-herba hebat bukan herba-herba magis yang dicampur dengan Sildenafil atau Taladafil. Oleh itu ia merawat bukanlah untuk membantu merangsang.

Hasil dari maklum balas oleh para pembeli , tujuh puluh peratus (70%), mengatakan mereka mula merasa kesan baik dari KAMAherbs seperti ereksi yang mantap dan bertenaga, tahan lama dari sebelum mengambil KAMAHerbs, penis “bangun” diwaktu pagi setelah beberapa lama ia tidak begitu, kuantiti sperma yang banyak walaupun baru bersama isteri didalam 1-2 hari, sakit pinggang berkurangan atau hampir tidak sakit pinggang langsung sewaktu bangun dari tidur, mudah tidur diwaktu malam, emosi lebih tenang, merasa saiz penis lebih besar dari sebelum ini,mereka merasa perubahan ini selepas satu atau dua minggu (1-2 minggu) mengambil KAMAherbs sebagai makanan kesihatan secara teratur dan kesan lebih pantas sekiranya tidak merokok dan melakukan masturbasi.

Oleh itu saya tidak menggelar KAMAherbs sebagai herba magik tetapi ia adalah herba hebat!!. Ramai sudah menikmati kehebatan produk ini..ANDA BILA LAGI….

JANGAN TUNGGU SAMPAI ISTERI ANDA LARI…

Harga termasuk penghantaran : RM150

Sewaktu di “online” kan KAMAherbs ni ramai yang tertanya-tanya, herba apa la pula ni kan … KAMA di depannya macam ayat yang “common” je kan. Betul la macam korang fikir tu “KAMASUTRA” , kenapa Kamasutra? Jawapannya mudah , kerana herba-herba yang digunakan ialah Indian Ginseng dan Indian Viagra yang tersohor di seantero dunia. Malah nama herba hebat Ashwaganda telah tertera didalam kitab KAMASUTRA, sebagai raja herba dari pelbagai herba yang terdapat didalam kitab tersebut. Maka tidak keterlaluanlah jika diberi nama KAMAherbs Indian Ginseng atau Ashwaganda, nama saintifiknya ialah Withania Somnifera dan Safed musli atau nama saintifiknya Chlorophytum borivillianum yang telah dilapurkan mempunyai permintaan melebihi bekalan. Kerajaan India menggalak para petaninya untuk mengusahakan Ashwaganda secara intensif, dengan memberi kemudahan kepada para petani untuk memohon bantuan pinjaman bagi mengusahakan penanaman Ashwaganda dan Safed Musli atau “Indian Viagra”.Ashwagandha,

Ashwa bermaksud kuda , manakala ganda bermaksud wangian, ini merujuk kepada kekuatan seksual bak seekor kuda.

Bahan aktif yang dapat dikesan didalam Ashwaganda

Withaferin, Withanolides, Withanine, sitoindosides, Somniferine, Alkaloids dan Ethanolides. Withanolides dipercayai mempunyai pelbagai fungsi perubatan . Herba ini menstimulasi sistem sel imun seperti lymphocytes ( sel darah putih dan sistem imun vetebrate). Ashwaganda mengawal inflamasi (jika terjadi) dan mempertingkatkan memori atau minda. Pengambilan Ashwaganda dan Safed musli secara serentak akan membaikpulih sistem tubuh terutama sistem reproduksi lelaki. Aswaganda juga terkenal sebagai tonik atau herba adoptogen.

Bagaimana KAMAherbs berfungsi ?

Sekiranya ada produk yang boleh menjanjikan bahawa anda akan mendapat ereksi selepas 30-60 minit, pada pandangan saya ia mempunyai bahan-bahan perangsang seperti sidenafil, macam kes yang dilapurkan baru-baru ini, patut la “power” semacam je lepas minum kopi tersebut, rupa-rupanya kopi tersebut telah dicampur dengan sidenafil, bahan yang digunakan didalam Viagra. Nasihat saya kepada insan-insan yang inginkan kesan yang pantas, hentikanlah keinginan yang boleh membawa malapetaka ini dan kembalilah ke jalan yang agak jauh tetapi anda boleh mendapat manfaat yang kekal.

Konsep penyembuhan KAMAherbs adalah sama seperti lain-lain produk, Viagra , Vimax dan pelbagai nama lagi dipasaran. Ramuan herba yang berkualiti tinggi didalam KAMAherbs akan bertindak mengawal stres yang menjadi masalah utama kepada individu yang mengalami ED. Hasil kajian menunjukan stres adalah punca utama kepada ED, ereksi pra-matang, kehilangan libido (nafsu seksual) dan pelbagai masalah kesihatan lain seperti obesiti, kesuburan, kemurungan, darah tinggi, jerawat dan lain-lain.

KAMAherbs akan merawat ED dengan memberi kesan secara semulajadi, yang membolehkan otot di antara dinding arteries (saluran yang membawa darah beroksigen) didalam penis membesar atau tidak mengecut (ia releks). Ini membolehkan saluran itu membesar dan membenarkan lebih banyak darah melaluinya dan membolehkan erection (penis mengeras) dan menjadikan penis lebih besar.

http://4.bp.blogspot.com/_AomIg2-Ao9g/S-VY6ZzHLkI/AAAAAAAAAe8/15tY8BWv9hg/s1600/penistransverse.jpg

Zakar atau penis lelaki mempunyai 2 saluran, salah satunya Corpora Cavernosa , Corpora Cavernosa ialah saluran diatas penis sementara Corpus Spongiosum dibahagian bawah penis .Urethra ialah saluran kencing dan pengeluaran sperma. Bila saluran ini tidak relek atau mengecut maka bekalan darah tidak dapat memasuki penis dan terjadi ED. Herba-herba ini membantu untuk kedua-dua saluran ini menampung lebih banyak darah, tidak mustahil penis anda mendapat ereksi yang padu, bertenaga dan menjadikan penis anda lebih panjang dan besar.

http://1.bp.blogspot.com/_AomIg2-Ao9g/S-Vbzo3XwqI/AAAAAAAAAfE/sIACx7tnaVI/s1600/corpa.jpg


APA BAHAN YANG TERKANDUNG DALAM KAMAHERBS…????

Bahan-bahan utama KAMAherbs

http://2.bp.blogspot.com/_AomIg2-Ao9g/S-Vhc2qffuI/AAAAAAAAAfM/gbn_5S252oo/s1600/ashwagandha2.jpeg

Ashwaganda adalah tumbuhan yang tumbuh di India, Paksitan dan Sri Lanka, menyerupai pokok tomato dan satu species dengan pokok tomato. Pakar Ayurvedic telah mendapati Ashwaganda telah tertulis didalam kitab KAMASUTRA sebagai tumbuhan yang amat hebat diantara tumbuh-tumbuhan aphrodisiac yang tercatat didalam kitab tersebut. Ashwaganda juga digelar dengan pelbagai nama seperti Indian Ginseng, Winter Cherry, Ajaganda, Sam Al Ferakh dan lain-lain lagi mengikut bahasa Negara masing-masing. Ashwaganda

Ashwaganda adalah herba adoptogen, istilah ini digunakan oleh herbalist (ahli herba bertauliah) sebagai merujuk kepada herba semulajadi yang membantu menguatkan ketahanan tubuh kepada stress, trauma, kerisauan melampau dan keletihan melampau. Kesemua herba adoptogen adalah anti-oxidant (antioxidants berfungsi melawan dan mempertahankan tubuh dari serangan unsur tidak baik sehingga boleh merosakkan tubuh manusia). Herba adoptogen juga adalah bebas toksik.

http://3.bp.blogspot.com/_AomIg2-Ao9g/S-VhdJVrIaI/AAAAAAAAAfU/NZXEaneHcyc/s1600/Chlorophytumborivilianum.gif

Safed Musli juga dianggap tumbuhan “ajaib” hingga digelar “wonder crop”, “herbal Viagra” dan “root of gold” kerana kesan terapuetik yang mempunyai nutirisi tonik seperti 25 bahan alkaloid, protein, karbohidrat, steroid dan polysaccharides yang boleh dimanfaat oleh sistem tubuh manusia. Herba hebat ini telah dikaji dan disahkan mampu,

v Safed Musli mempunyai kesan anti-ageing. Kesan ini membolehkan herba hebat ini menyegarkan tubuh dan minda tanpa kesan sampingan

v Selain Ashwaganda , Safed Musli juga di anggap “teman baik bagi lelaki” . Ia adalah herba aphrodisiac yang amat hebat untuk merawat system reproduksi lelaki seperti mati pucuk, pancutan pra-matang dan kuantiti sperma yang tidak mencukupi.

v Merawat keletihan mental dan fizikal

v Menaiktaraf sistem ketahanan badan.

v Ia juga digunakan sebagai herba untuk merawat kencing manis dan sakit-sakit sendi (arthritis)

Ginseng adalah tumbuhan adoptogen seperti Ashwaganda yang biasanya boleh didapati dinegara Asia yang beriklim sejuk dan biasanya di tanah tinggi seperti digunung yang biasanya di Negara China, Korea dan Jepun. Ginseng adalah tumbuhan yang lambat untuk membesar menjadikan ginseng amat berharga dipasaran. Sebagai herba adoptogen Ginseng bertindak hampir sama kesannya dengan Ashwaganda. Gandingan Ginseng dan Ashwaganda akan memberi kesan “double impact” dimana kedua-dua ginseng ini mempunyai kesan ginsenosides (steroid semulajadi) yang berbeza-beza.

TAPI MUNGKIN ANDA BERFIKIR BANYAK KALI UNTUK MEMBELI PRODUK INI……

NILAI RM150 ADALAH KECIL JIKA DI BANDINGKAN DENGAN KEPUTUSAN YANG ANDA PEROLEHI NANTI..

- BAYANGKAN ISTERI ANDA TERSENYUM SELEPAS BERSAMA DENGAN ANDA….

- KEYAKINAN ANDA BERTAMBAH

- ANDA TIDAK MERASA RENDAH DIRI LAGI UNTUK BERSAMA ISTERI ANDA…

- KEPUASA TERPAMPANG DI WAJAH ISTERI ANDA

- ISTERI ANDA MEMUJI ANDA…..”ABANG POWER LA”….”TERIMA KASIH ABANG…..”

SEGALA KENIKMATAN DI ATAS TIDAK TERNILAI OLEH WANG RINGGIT…

HIDUP HANYA SEKALI….JANGAN SAMPAI SUDAH TERLEWAT BARU ANDA MEMBUAT TINDAKAN……

HARI ESOK BERMULA DENGAN APA YANG KITA LAKUKAN HARI INI……

APA TUNGGU LAGI……

SAYA NAK ODER SEKARANG JUGA….


CARA MEMBUAT PESANAN DAN PEMBAYARAN

Untuk membeli produk yang bermutu, selamat dan tanpa kesan sampingan ini sila ikuti langkah-langkah seperti dibawah:

STEP 1 = SILA SMS NAMA PRODUK , NAMA PENUH ANDA, ALAMAT , EMAIL DAN NO TELIFON

(CARA-CARA SMS)

<Nama Produk> <Nama anda> <Alamat anda>

<Email> <No Telifon>

(CONTOH SMS)

KAMAHERBS SAMAD BIN ANUAR NO.30 JLN LINTANG,70450 SEREMBAN N9,samad@yahoo.com,0178564412

Hantar Maklumat  melalui SMS ke

012-5806029

STEP 2. Selepas saya menghantar SMS kepada anda untuk membuat pengesahan yang anda betul-betul ingin mendapatkan produk tersebut anda perlu membuat pembayaran di Maybank atau CIMB, terdapat 2 cara untuk pembayaran iaitu melalui pembayaran online atau di mesin deposit wang tunai di Maybank atau CIMB.

* Lakukan Pembayaran anda ke akaun

MOHD AZHAAN  BIN MD NOR

Akaun Maybank162 674 063 441

Akaun CIMB121 500 725 715 22

STEP 3. SELEPAS ANDA MEMBAYAR DI BANK SILA SMS  KEPADA SAYA

(CARA-CARA SMS)

<Nama anda><Produk>  <Jumlah bayaran> <Waktu bayaran> <Tarikh bayaran>

SAMAD BIN ANUAR , KAMAHERBS , RM150 , 16:45 , 15.01.08

SIMPAN RESIT & SEGALA BUKTI untuk semakan dan

Pihak kami akan menyediakan pesanan anda dan akan dikurierkan terus ke alamat anda ia akan mengambil masa 2-3 hari bekerja (tidak termasuk cuti am dan cuti umum). Kami akan menggunakan perkhidmatan POS LAJU. Sekiranya stok mencukupi atau destinasi berdekatan bandar-bandar besar biasanya 1 hari bekerja sahaja.

SEGALA PERTANYAAN BOLEH HUBUNGI KAMI UNTUK MEMASTIKAN PRODUK ANDA SAMPAI KEPADA ANDA

TERIMA KASIH

AZHAAN = 0125806029

Sebagai suami, tanggungjawab besar terletak di kedua bahu anda untuk memastikan nafkah ZAHIR dan BATIN terhadap isteri anda dilaksanakan sebaiknya.

Ramai dikalangan isteri yang mengambil sikap mendiamkan diri sekiranya tidak puas…

Renungkan sebentar…..anda tidak nampak dengan mata kasar keperluan batin isteri. Lihatlah dengan mata hati anda. Adakah nafkah batin dia mencukupi ataupun atau cuma melebihkan keperluan zahir dan terlepas pandang nafkah batin yang lebih mustahak?

Isteri_Kecewa

Anda lelaki yang dayus jika terus membiarkan isteri anda kegersangan…..

Jangan sampai isteri anda mula makan luar dan curang terhadap anda. Jadi jangan salahkan isteri jika mereka menyalahkan SUAMI walaupun isteri sendiri yang berlaku CURANG!

Cuba renungkan kisah-kisah di bawah ini :

Isteri Curang

Isteri_Kecewa

Isteri_Kecewa

Di bawah ini adalah fakta-fakta hasil dari online survey yang diperolehi dari 586 isteri dan wanita dan kami temui beberapa kebenaran yang mengejutkan…..

Sila baca fakta-fakta yang merisaukan ini :

Tick 70% isteri mengatakan mereka TIDAK PERNAH mencapai puncak orgasme/klimaks semasa melakukan hubungan seksual dengan suami mereka.

Tick 65% isteri mengakui sering BERPURA-PURA MENCAPAI ORGASME untuk memuaskan hati suami mereka.

Tick Hanya 15% isteri yang mencapai orgasme lebih sekali dalam seminggu.

Tick 78% daripada isteri mengaku yang mereka lebih suka dibelai-belai sahaja dari melakukan seks memandang mereka tidak mencapai kepuasan dari hubungan seksual dengan suami.

ANDA PERCAYA ATAU TIDAK, FAKTA TETAP FAKTA

Isteri_Sedih

Keluhan isteri yang tidak puas dalam hubungan seks

Penafian: Ilustrasi ini adalah untuk penerangan kami semata-mata

Fakta ini dikira serius dan kebanyakan lelaki yang tidak mengendahkan masalah mereka ini & kurang mencari penyelesaiannya kerana malu atau ego lelaki mereka yang menebal walaupun semua permasalahan bermula daripada para suami.

Maka itu setiap kali isteri diajak berjimak, ada saja alasan mereka untuk mengelak. Persepsi mereka, seks adalah untuk keseronokan suami semata. Tak tercabarkah ego anda?.

ANDA dibelenggu dengan gejala ini….

ANDA buntu memikirkannya…

ANDA malu dan segan..

ANDA mahu penyelesaian segera.

Jadilah Suami Idaman Sekarang!

Kecapi Nikmat Kepuasan Seks Sebenar Bersama Isteri Anda

Usah Risau..Kami Ada Penyelesaianya!

SAYA NAK ODER SEKARANG..SILA KLI BUTON DI BAWAH UNTUK CARA MENDAPATKAN PRODUK

TIPS DAN INFO BERGUNA BUAT PENGUNJUNG AZHAAN BROTHERS

TAJUK:FUNGSI ZAKAR DAN TANGGAPAN WANITA

Apakah bahagian-bahagian yang terdapat pada zakar lelaki? Bagaimana zakar anda membesar dan apakah fungsi disetiap zakar lelaki
Di sebatang zakar lelaki ada beberapa struktur kuasa yang memberangsangkan lelaki apabila disentuh dan ianya juga akan memberikan keseronokan dan nikmat yang dapat dirasakan oleh wanita. Antara bahagian yang terdapat di zakar lelaki ialah buah zakar, batang zakar, takuk zakar, kepala zakar, biji zakar, lubang zakar gigi zakar, ekor pari dan urethra.

Buah zakar berfungsi sebagai tempat menyimpan air mani dan ia amat sensitif apabila tersentuh dengan benda keras dan kasar. Sebab itu andainya anda menyentuh dengan benda keras atau kuat kepada buah zakar suami anda, suami anda akan berkata sakit. Maka di bahagian ini, jika anda berminat membelainya, berhati-hatilah dan berikan sentuhan yang lembut dan ianya pasti menyeronokkan suami anda.
Batang zakar adalah -berfungsi untuk mengeras dan panjang daripada ukuran biasa pada keadaan lelaki itu tidak mempunyai nafsu sahwatnya. la akan mula menegang apabila seseorang lelaki itu mencapai sahwatnya. Jika saiz zakar pada peringkat seseorang lelaki itu belum datang kemuncak sahwatnya adalah kecil dan pendek serta kelihatan lembik. Apabila seseorang lelaki itu mula datang sahwatnya, saiz zakar akan mula membesar dan menegang panjang.
Jika saiz pada kendur dari 3 inci, zakar ini boleh membesar dan memanjang sehingga 6 inci. Jika saiz zakar semasa kecilnya ukuran lilitnya kurang dari 2.5 inci, maka apabila membesar saiznya akan membesar 5 inci. Kepadatan mula dilihat apabila zakar cukup tegang dan keras. Kedudukan zakar akan menegak hingga 45 darjah dari paras pusat. Sewaktu inilah kesesuaian untuk zakar menyusuk kedalam kemaluan perempuan boleh dilakukan. Zakar yang lembik tidak boleh menyusuk masuk kedalam kemaluan perempuan. Jika anda selidiki secara terperinci, anda akan dapat melihat batang zakar akan bergegar dan ini berlaku sewaktu zakar didalam kemaluan Ianya menghasilkan kepuasan seksual apabila zakar bergegar di dalam kemaluan anda. Belailah batang zakar ini dan anda akan merasakan kehangatan yang amat menyeronokkan.
Fungsinya adalah terlalu sedikit sewaktu di dalam kemaluan berbanding dengan batang zakar yang memanjangkan geselan apabila dilakukan sorong tarik sewaktu bersetubuh. Takuk zakar berada dihujung zakar yang kelihatan seperti lekuk. Lekukan ini adalah terjadi kerana hujung kepala zakar agak menguncup sedikit iaitu lebih kecil daripada batang zakar. Lekukan ini terbentuk bagi memudahkan zakar nenyusuk masuk kedalam kemaluan perempuan.
Kepala zakar adalah penting bagi lelaki khususnya. la boleh membesar lebih daripada-batang zakar. la akan membesar sewaktu menyusuk masuk kedalam lubang dan membesar sewaktu menarik zakar keluar dari kemaluan. Apabila kepala zakar membesar, anda akan terasa seperti sesuatu benda sedang membesar di dalam kemaluan anda dan lebih menyeronokan. lanya berfungsi secara langsung untuk membentuk gigi zakar lebih kembang dan apabila zakar ditarik sorong ia seperti menarik dinding lubang kemaluan anda dan anda pasti lebih seronok dengan geselan ini. Lelaki amat gemar jika perempuan menggigit lembut dan menghisap kepala zakamya kerana di sini ada keseronokkan yang luar biasa bagi lelaki dan fungsinya samalah dengan biji kelentit perempuan.
Biji zakar tidak begitu berfungsi untuk memberikan kepuasan kepada lelaki dan ianya terletak seperti biji kelentit dan tidak mudah dilihat dengan mata kecuali anda menyentuhnya. Terdapat sedikit bonjol kecil pada hujung kepala zakar apabila anda sentuh.

Lubang zakar berfungsi untuk mengeluarkan air kencing dan pancutan air mani. Ianya seperti lubang air kencing perempuan. Seperti kita ketahui perempuan mempunyai dua lubang pada kemaluannya iaitu lubang untuk persetubuhan dan lubang untuk membuang air kecil.
Gigi zakar adalah tempat yang paling penting. Gigi zakar ini memberikan keseronokkan kepada setiap gesel di dalam lubang kemaluan anda. Lelaki juga akan merasakan seronok. Tidak semua zakar lelaki kelihatan gigi zakarnya banyak atau besar. Beruntunglah jika anda mendapat zakar suami yang mempunyai gigi zakar yang banyak dan besar. Kepuasan anda akan lebih tercapai dengan cepat.
Ekor pari terbentuk pada sepanjang batang zakar yang berfungsi sebagai tempat pengaliran air mani daripada buah zakar. Ekor pari ini amat sensitif dan seronok bagi lelaki apabila geselan sewaktu melakukan sorong tarik di dalam kemaluan anda. la juga memberikan keseronokan yang luar biasa sepanjang melakukan sorong |tarik bagi perempuan. Apabila pancutan air mani berlaku, ekor pari akan membesar dan menyendatkan lagi lubang kemaluan anda sehingga keperingkat kemuncak. Disinilah lelaki amat seronok jika anda bermain dengan zakar suami anda, sama ada membelainya, mengolomnya atau melakukan jilatan dengan lidah anda. Lakukan teknik ini sewaktu anda tidak mampu memberikan kepuasan seks melalui kemaluan anda misalnya sewaktu anda di datangi haid.
Urethra hanya berfungsi memberikan ketegangan kepada zakar anda sebagai kayu penyokong untuk menguatkan lagi ketegangan urat saraf pada lelaki.
Ingin dimaklumkan apakah seronoknya apabila zakar berada di dalam kemaluan anda? Antaranya apabila lelaki sedang melakukan sorong tarik di dalam kemaluan anda, batang zakar akan bergerak-gerak dan bergetar. Kepala zakar akan membesar dan menguncup diikuti dengan kepala takuk dan giginya yang seperti menarik keluar dinding dalam lubang kemaluan anda, dikala ini anda akan merasakan satu nikmat yang luar biasa.
Jika anda meminta suami anda menghentikan sorong tariknya zakarnya, anda akan merasakan zakar seperti sedang bergerak-gerak di dalam kemaluan anda. Ini adalah disebabkan
kepala zakar melakukan kembang kuncup dan diikuti batang zakar bergerak-gerak. Inilah zakar yang hebat dan tidak kiralah ianya bersaiz kecil atau besar.
Sewaktu zakar sampai kemuncaknya dan jika anda mendapatkan kemuncak serentak dengan pancutan air mani dan zakar suami, anda merasakan kepala zakar seolah-olah mencengkam dan menarik keluar isi dalam kemaluan anda dan dikala inilah anda pasti mengerang kepuasan dan mencapai sahwat yang tinggi.

*Dalam soal zakar,agak subjektif bagi wanita kerana tidak semua wanita sukakan zakar yang panjang dan besar, malah ada yang bimbang suami yang memiliki zakar sedemikian akan menyakitkan. Rata-rata wanita sukakan zakar yang sederhana besar dan panjang tetapi tetap keras dan bertahan lama bagi memuaskan nafsu wanita.

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Posted in PRODUK ALAT SULIT WANITA, PRODUK KECANTIKAN WAJAH, PRODUK LELAKI, PRODUK SUAMI ISTERI, PRODUK WANITA, PRODUK ZAKARwith 2,438 Comments →

AzhaaN Brothers SHop = SENAMAN MENGUATKAN TENAGA BATIN05.19.10

Senaman Pertama

Senaman_pertama

Duduk bersila dengan menegakkan tulang belakang. Tangan diletakkan di atas lutut dan bahu harus terbuka lebar. Tarik nafas sedalam-dalamnya hingga paru-paru terasa penuh dengan udara. Tahan nafas dan biarkan udara berada di dalam paru-paru sekitar tujuh saat sebelum ia dihembus keluar secara perlahan sehingga paru-paru terasa kosong. Ketika udara dihembus, perut hendaklah dikempiskan dan tumpu tenaga ke arah dada. Lakukan gerakan ini sebanyak tiga kali.

Kebaikan:

Senaman ini seelok-eloknya dilakukan di subuh hari kerana ia melibatkan proses pertukaran udara badan. Gerakan ini dapat membangkitkan kekuatan otot belakang terutamanya di bahagian tengah belakang dan ia menguatkan stamina jimak.

Imej:Senaman_pertama.png

Senaman Kedua

Duduk dalam keadaan dua tumit kaki bertemu dan bawakan ia hampir dengan kemaluan. Tegakkan belakang. Tarik nafas hingga paru-paru terasa penuh secara perlahan-lahan. Ketika menarik nafas, tekan kedua-dua kepala lutut dengan tapak tangan (kiri dan kanan) supaya lutut dapat mencecah lantai. Jika tidak boleh, buat setakat termampu. Pada waktu yang sama, kemut otot zakar sepaya kepala zakar kembang. Tahan nafas selama tujuh saat dan hembus keluar secara perlahan-lahan. Lakukan gerakan ini sebanyak tiga kali.

Senaman_kedua

Dari kedudukan sebelumnya, tarik nafas semula secara perlahan-lahan. Dengan perut kedua-dua jari tangan, cari urat paha di bahagian paha dan urut menggunakan perut ibu jari dari hujung paha ke pangkal paha dan akhirnya gerakan melalui tepi batang zakar dan akan berakhir di hujung batang zakar. Urutan dilepaskan jika mahu mencecah kepala zakar. Selepas itu lepaskan nafas.

Kebaikan:

Gerakan ini bertujuan untuk rnengurut urat yang mengalirkan darah ke zakar dan membangunkan urat-urat yang mengalir dan menetap dengan baik di sini. la juga membesarkan kembali zakar yang kecil. Disarankan supaya urutan dibuat menggunakan minyak urut.

Senaman Ketiga

Duduk bersila dengan kedua tapak kaki ditemukan. Tangan kanan pegang ibu jari kaki kanan dan tangan kiri memegang ibu jari kaki kiri. Tarik nafas perfahan-lahan sambil menarik ibu jari kaki menghampiri kemaluan. Lutut seboleh-bolehnya mencecah lantai. Jika zakar tegang, celahkan kepala zakar di antara kedua tapak kaki (di bahagian yang melengkung). Ketika tarikan berlaku, tumpuan tenaga akan tertumpu ke otot belakang dan akan terasa ia diurut; selepas itu barulah nafas dilepaskan secara perlahan-lahan dan meletakkan kaki kembali ke kedudukan asal.

Lakukan gerakan ini sebanyak tiga kali. Dari kedudukan ini, tarik kedua-dua jari kaki supaya tumit terbuka ke arah hadapan dalam masa yang sama ia tetap disatukan. Tarik nafas dengan dalam secara perlahan-lahan dan rebahkan tubuh ke depan dalam keadaan tangan masih memegang ibu jari kaki. Jejakkan kepala ke lantai jika mampu, kalau tidak, lakukan setakat terdaya. Balik ke kedudukan asal dan hembuskan nafas.

Kebaikan:

Gerakan ini mengimbangi otot paha, belakang dan baik untuk pinggang. la dapat membantu meningkatkan tenaga batin yang lemah.

Senaman_ketiga

Senaman Keempat

Duduk bersila dan tegakkan belakang. Tarik nafas sambil tangan kanan didepa separas bahu dengan lurus ke arah depan sambil menarik nafas. Manakala tangan kiri di angkat separas bahu juga ke arah sisi badan. Lakukan gerakan ini sebanyak tiga kali sebelum nafas dihembus keluar.

Senaman_keempat

Senaman Kelima

Duduk bersila dan tegakkan belakang. Tekan otot pinggang dan* arah belakang dengan tapak tangan sambil menarik nafas. Secara perlahan, urut otot pinggang hingga ke rusuk dada. Lakukan sambil nafas ditahan. Bawa tangan ke depan dan ke atas sehingga dapat dilepaskan lurus ke atas kepala. Selepas itu barulah nafas dihembus.

Kebaikan :

Gerakan ini membantu mengurut otot-otot bahagian pinggang serta rusuk, tengkuk dan leher, dalam waktu yang sama merangsang pengaliran darah supaya lebih lancar.

Senaman_kelima

Senaman Keenam

Tenaga akan tertumpu pada urat bahu, leher serta urat paha dan betis. Lutut kaki yang diluruskan tidak wajar dibengkokkan ketika henjutan, begitu juga bagi kedua belah tangan. Duduk dengan meluruskan kaki kanan dan lipatkan kaki kiri. Henjutkan secara perlahan-lahan serta lembut bagi mencapai ibu kaki. Lakukan henjutan sebanyak tujuh kali sebelum menu-kar ke arah yang seterusnya.

Senaman_keenam

Senaman Ketujuh

Kembangkan jari-jari tangan dan susun supaya ibu jari tangan kiri mencecah cuping telinga kanan. Ibu jari tangan kanan pula mencecah jari kelingking tangan kiri. Tarik nafas, bengkokkan tubuh ke arah kaki kanan dan cecahkan jari kelingking kanan itu ke hujung ibu jari kanan. Lakukan gerak cecahan itu sebanyak tujuh kali sambil nafas ditahan. Selepas itu lepas nafas secara perlahan-lahan sambil mengangkat semula kepala ke kedudukan yang mula-mula. Ketika gerakan, pastikan kaki kanan lurus. Lakukan pula hal yang serupa dengan kaki kiri.

Senaman_ketujuh

Senaman Kelapan

Baringkan badan secara meniarap. Luruskan badan dan bangunkan separuh badan iaitu pinggang ke atas dengan menapakkan kedua belah tapak tangan sambil pinggang dan belakang terasa tegang. Tarik nafas sewaktu gerakan ini dilakukan, tahan nafas selama tujuh saat sebelum melepaskannya. Lakukan sebanyak tiga kali.

Senaman_kelapan

Senaman Kesembilan

Duduk bersila sambil mengarahkan kedua-dua belah tangan ke belakang badan. Dalam masa yang sama cuba capai atau temukan kedua-dua jari-jemari tersebut. Selepas itu nafas ditarik secara perlahan-lahan dan menahannya selama tujuh saat sebelum menghembusnya keluar, Lakukan gerakan yang sama pada kedudukan tangan yang berlainan.

Senaman_kesembilan

Senaman Kesepuluh

Duduk bersila sambil kedua-dua tapak kaki ditemukan. Tarik nafas secara perlahan-lahan sambil badan direbahkan ke hadapan dan meluruskan kedua-dua belah tangan hingga mencecah lantai. Pastikan anda terasa tegang pada bahagian belakang dan paha. Tahan nafas selama tujuh saat dan kembalikan ke kedudukan asal sambil nafas dilepaskan secara perlahan-lahan. Lakukan ulangan gerakan sehingga tiga kali.

Senaman_kesepuluh

Senaman Kesebelas

Senaman ini agak mencabar sedikit. Lipat kedua-dua kaki di bawah punggung. Kemudian merebahkan badan sambil kedua belah tangan diluruskan sehingga terasa tegang di bahagian belakang badan, paha dan otot betis. Tarik nafas secara perlahan-lahan dan tahannya selama tujuh saat sebelum ia dilepas keluar. Lakukan gerakan ini sebanyak tiga kali.

Senaman_kesebelas

Senaman Kedua belas

Sesetengah orang memanggil gerakan ini sebagai senaman kucing. Duduk di atas kedua belah kaki dengan membongkokkan badan ke hadapan sambil meluruskan tangan ke hadapan. Lakukannya hingga terasa regangan pada belakang badan. Kemudian bangun secara perlahan-lahan, dalam masa yang sama masih mengekalkan kedudukan kaki. Kedua-dua belah tapak tangan ditapakkan secara bertentangan, satu mengarah ke dalam badan dan satu mengarah ke hadapan. Bongkokkan belakang badan dan henjutkannya hingga paras separuh bangkit beberapa kali secara perlahan-lahan. Nafas ditarik sebaik gerakan bermula dan dihembuskan sebaik gerakan berakhir.

Senaman_kedua_belas

Senaman Ketiga belas

Senaman awal pagi sebaik bangun dari tidur. Tutup mata, tangan diluruskan di sisi badan. Putarkan biji mata seakan-akan mahu memerhatikan sekeliling. Lakukan lebih kurang 10 saat. Selepas itu tarik nafas dalam-dalam, tahan nafas selama tujuh saat dan hembusnya keluar secara perlahan-lahan. Lakukan sebanyak tiga kali. Tangan yang berada di sisi badan itu harus diluruskan melampaui tubuh sambil menarik nafas. Waktu yang diambil untuk menggerakkan tangan itu ialah selama tujuh saat. Selepas itu kembali ke kedudukan pertama sambil menghembus nafas secara perlahan. Senaman ini menolong mengimbangi urat saraf, meluruskan tulang belakang serta menyusun urat-uratnya.

Senaman Keempat belas

Antara penyebab lelaki mengalami gejala ejakulasi pra-matang adalah disebabkan rasa ngilu dan geseran pada kepala dan batang zakar. Gerakan ini dilakukan ketika zakar masih tegang di waktu pagi. Gerakan ini akan mengasah kepala zakar, membiasakannya pada geselan. Dengan melatihnya, rasa sensitif sewaktu jimak akan dapat dikurangkan. Tarik nafas hingga penuh paru-paru. Pegang batang zakar dengan agak kuat supaya darah tertumpu ke kepala zakar dan ini menyebabkan kepala zakar mengembang. Dengan menggunakan perut tapak kaki, gosok atau asah kepala zakar ke arah hujungnya. Ketika melakukan ini tahan nafas, lalu hembuskan. Lakukan sebanyak tiga kali.

Posted in PETUA BAHAGIA, PRODUK ALAT SULIT WANITA, PRODUK LELAKI, PRODUK SUAMI ISTERI, PRODUK WANITA, PRODUK ZAKARwith 2,115 Comments →

TIPS DAN IDEA UNTUK MENJADI KAYA / TIPS AND IDEA TO GET RICH05.19.10

4 sebab mengapa ramai orang susah untuk menjadi kaya.

Di sini saya akan kongsikan dengan anda apakah 4 sebab tersebut ;

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Sebab #1 : Menunggu Untuk Bermula
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Hampir semua orang tidak mahu menunggu untuk berjaya. Tetapi,
pada masa yang sama, mereka sanggup menunggu untuk mula
melangkah ke arah kejayaan.

Nampakkah anda masalahnya disini?

Lagi lama anda menunggu untuk bermula, lama lagi untuk anda
menjana wang, kejayaan dan gayahidup yang anda mahukan.

Ramai orang yang menunggu sehingga semuanya sempurna sebelum
mereka bertindak. Oleh sebab itu, mereka tidak akan bergerak
dan tidak akan mendapat ganjarannya.

Tiada perlumbaan yang akan dimenangi (atau diakhiri) oleh
seseorang yang tidak melepasi garis permulaaan.

Jangan menunggu untuk bertindak. Mulakan hari ini dengan
melangkah ke arah kejayaan.

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Sebab #2 : Ilmu Kewangan Yang Teruk
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Kunci kekayaan terletak kepada pemahaman tentang aset dan
liabiliti.

Perbezaanya saya ringkaskan disini: Aset adalah sesuatu yang
masukkan duit kepoket anda. Hutang pula ialah sesuatu yang
keluarkan duit dari poket anda.

Aset : Wang masyuk
Liabiliti: Wang keluar

Ramai orang yang berfikir bahawa rumah, kereta dan harta
benda adalah aset mereka.

Tetapi, yang sebenarnya ialah hampir semuanya menyebabkan
anda keluarkan wang dari poket anda. Mereka MAHUKAN wang
daripada anda. Mereka tidak BERIKAN anda wang.

Oleh itu, daripada definisi diatas, semuanya itu adalah
liabiliti = hutang!

Bila anda mempunyai wang yang banyak MASUK daripada
aset yang sebenar daripada wang yang KELUAR untuk
membayar liabiliti, anda akan bebas dari segi kewangan.

Hanya terdapat satu cara untuk anda lakukannya. Dan ianya
membawa kita kepada…

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Sebab #3 : Fokus kepada pendapatan aktif daripada pasif
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Salah seorang jutawan yang saya kenali pernah memberi
nasihat dengan selamba. Beliau berkata “Jika anda
tidak buat duit semasa tidur, anda tidak akan kaya.”

Pendapatan aktif adalah gaji yang anda dapat daripada
bekerja. Anda bekerja sejam dan mendapat bayaran untuk
sejam bekerja dan sampai disitu sahaja.

Pendapatan pasif ialah anda bekerja sekali sahaja tetapi
terus mendapat bayaran tanpa putus daripada kerja yang
tidak lagi anda lakukan.

Dengan membuat pelaburan atau mencipta aset sebenar yang
memberikan pendapatan pasif kepada anda adalah tiket untuk
anda menuju kekayaan.

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Sebab #4 : Tidak cukup sabar dan tiada keazaman
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Untuk menamatkan apa juga perlumbaan, anda mesti memecut
daripada garisan permulaan dan mengikut terus sehingga
ke garisan penamat.

Ramai orang yang mencipta kegagalan mereka samada tidak
bermula langsung atau tidak tamatkan, atau kedua-duanya
sekali.

Untuk menjana kekayaan, berjaya dan hidup bahagia anda
mestilah mempunyai kesabaran dan keazaman untuk tiba
ke garisan penamat. Anda bukan sahaja perlu bermula,
tetapi mesti tabah mengharungi semuanya.

Bunyinya mungkin sudah jelas, tetapi ianya masih menjadi
punca kegagalan sesorang.

Sebab itulah jika anda sanggup menyertai 5 peratus
mereka yang mengikut 5 perkara diatas, anda mempunyai
peluang yang besar untuk menempa kejayaan dan kemewahan.

Ianya cukup mudah… anda perlu membuat keputusan untuk
mengikut perkara diatas dan lihat perubahan pada hidup
anda nanti. Tetapi, jika tidak, seperti kebanyakkan orang
lain anda tetap seperti sekarang, sama seperti dulu.

The hardest way to get rich

let me tell you about hard ways to get rich.

One of the hardest is to be born into it. Of course, if you happen to enter this world as a Hilton, a Gates or a Windsor, then life is sweet. But since 99.9999% of the population aren’t that lucky, I’m assuming you didn’t win that particular lottery.

And speaking of lotteries, gambling is another very difficult way to get rich. Sure, some people buy a lottery ticket and win big, but most don’t. You can gamble your entire life and you’ll most likely end up broke rather than wealthy.

When I was younger, I thought the easiest way to get rich was to become famous through some kind of creative act. Stephen King got rich writing horror novels, so why not me?

I’m now much wiser and realize that the vast majority of novelists never even get published. Of those who do, most wallow in obscurity. Only very few make it anywhere near the best-seller list, and only one in a million will achieve any kind of serious wealth.

The same fate awaits the majority of musicians, software company founders, sportspeople and website creator. For every Google that makes its owners billions, there are a million websites that lose money. Creativity is the most fun and rewarding way to get rich, but it’s also a very difficult way.

The reason the media raves about and idolizes those who’ve built wealth through creativity is because they’re so rare. You don’t hear about the vast majority who wallow in obscurity and poor pay, because they’re not interesting. “Young genius makes $1 billion from website” is a great headline “Ten thousand young geniuses make nothing from their hard work” isn’t.

I’m not saying you shouldn’t keep your dreams alive. It’s one of the best parts of life. But this article isn’t about the most fun way to try and get rich – it’s about the easiest way.

Okay, here’s the system.

Step 1: Get a well-paid job
This is a reasonable amount of work, and takes a few years, but it’s a virtually guaranteed way to make a good income. If they’re willing to put in the work, almost any intelligent person can get a job paying $100,000 or more within the space of a few years. While it’s not easy, it is by far the easiest and most likely way to secure a good income. In fact, I’ve already written an entire article on how to get a job paying more than $100,000 a year for those who wish to pursue this avenue.

Step 2: Get good tax advice
However you make your money, your number one expense is likely to be funding the government. In most developed countries, the average worker pays around 30% of everything they earn straight into the taxman’s pocket. If you’ve taken my job advice, you’ll most likely pay even more than that.

While taxation is necessary to fund the good things governments provide, you don’t do yourself any favors by paying more than your fair share. If you’re serious about building wealth, get a good accountant who understands how to legally minimize your tax bill.

Step 3: Save 20% of everything you ever earn
As soon as you get paid, arrange to have 20% of your income removed into a savings account. Many banks can do this automatically for you. Keep your savings account separate from your spending account, and you’ll barely miss this money.

There’s a saying in economics “expenses rise to meet income”. This means money that’s easily available to you is certain to be spent. That’s why most people’s paychecks disappear before their next payday. They get used to having a certain amount to spend, and habitually run down their bank account.

Have your savings moved somewhere it’s a hassle to get them out of to avoid this risk. Many high interest accounts require you to give them a few days notice, which is ideal for this purpose.

Step 4: Conservatively invest the funds that build up in your savings account
Once a month, go into your savings account and divide the money by investing it into the three core conservative assets: shares, property and cash. Open a mutual fund account for shares, a property fund for property, and a money market fund for cash. Look for share and property funds that invest in a broad range of assets and most importantly charge very low fees. An index fund is ideal for the shares. An index of property funds is ideal for property.

Put an equal amount into each account. This will diversify you against risk in any one particular asset. If you’re younger, this rule is a little bit flexible, allowing you to take a little more risk and put more into shares and property if you like.

Step 5: Reinvest any income you get from your assets straight back into buying more assets
Mutual funds and property funds pay dividends. Money market accounts pay interest. Don’t take this income into your spending account. Instead, select the option to have it reinvested into the fund that generated it.

Step 6: Never touch these funds and do your best to ignore them
The business press, like the mainstream press, loves a crisis. “Shares to skyrocket” or “Property to plummet” headlines will sell many more copies than “Things to continue steadily”. All markets go up and down. Every day, some speculation will be published about some crisis or opportunity.

Ignore it all.

Just keep putting the 20% into your assets. Sometimes they’ll go up and sometimes they’ll go down in value. But over the long term, they’ll almost certainly go up.

Step 7: Wait a decade
Do what I’ve outlined above and in a decade you’ll be rich. Sure, you won’t be Bill Gates, but you’ll almost certainly be in the top 20% of wealth holders. Wait another decade and you’ll be in the top 5% or higher.

That’s the plan. It’s not the most exciting or glamourous way to build wealth, but it’s the easiest. Quite simply, this is how most rich people got there.

You too can join them, if you follow it.

5 Kunci Usahawan Berjaya

MERANCANG DAN DAPATKAN HASILPembaca sekelian,

Tidak kira di mana sahaja di dunia, kebolehan merancang dan mendapatkan hasil adalah tugasan yang paling berharga sekali. Tidak kira dalam bidang politik, keluarga atau individu, merancang akan dapat membuahkan hasil yang lebih teratur dan baik.

Begitu juga dalam perniagaan. Untuk menjadi usahawan yang berjaya, kebolehan merancang dan mendapatkan keputusan adalah amat penting. Sebelum memulakan apa sahaja perniagaan, satu perancangan yang lengkap perlu diadakan (jangan nak main terjun sahaja!). Apabila perniagaan sudah dimulakan, perancangan masih diperlukan dalam menganalisa strategi pemasaran untuk mengembangkan perniagaan anda. Apabila perniagaan anda sudah maju, perancangan masih diperlukanm untuk memastikan perniagaan anda mendapat pasaran terbesar dan tidak diambil oleh pesaing anda!

Dalam setiap peringkat perniagaan, perancangan dimestikan dan tidak pernah ditinggalkan oleh usahawan yang berjaya. Usahawan yang berjaya akan sering tanya pada diri sendiri:

- Apakah keputusan yang diinginkan dalam perniagaan ini?
- Bagaimana keputusan itu dapat dicapai?
- Siapa yang dapat membantu mengembangkan perniagaan ini?
- Apakah kebolehan atau ilmu tambahan yang saya perlukan untuk mengembangkan perniagaan ini?

Kebolehan anda untuk mendapatkan hasil dan bertanggungjawab atas keputusan anda adalah tanda seorang usahawan yang gemilang.

BERI LEBIH DARIPADA APA YANG DISANGKAKAN

Kunci kejayaan sesuatu perniagaan adalah untuk melakukan lebih daripada apa yang disangkakan. Bak kata mat salleh, “Go the extra mile!”. Maksudnya adalah untuk anda melakukan tugasan anda dalam perniagaan lebih daripada apa yang disangkakan oleh orang lain.

Kebiasaannya, seorang pekerja hanya akan melakukan tugasannya apabila disuruh. Pekerja akan melakukan kerja berdasarkan pendapatan yang diterima. Tetapi, untuk menjadi usahawan yang berjaya, menteliti sebagai “pekerja” tidak lagi boleh disimpan.

Pelanggan akan mengetahui bahawa anda sanggup bekerja ekstra untuk memenangi hati mereka. Usahawan lain juga akan dapat melihat peluang bekerjasama dengan anda oleh kerana anda berusaha sekeras-kerasnya dalam perniagaan anda. Melakukan kerja lebih daripada apa yang disangkakan akan membuka pintu rezeki kepada perniagaan anda.

MEMASAR DAN MENJUAL!

Ini adalah kunci utama kejayaan sesuatu perniagaan- pemasaran dan menjual! Tahukah anda bahawa lebih 95% perniagaan baru gagal dalam tahun pertama ia ditubuhkan? Ya, statistik ini amat mengejutkan bagi bakal-bakal usahawan. Namun, sekiranya anda mempunyai ciri-ciri usahawan yang berjaya, ia dapat menjauhkan daripada statistik ini.

Kebolehan memasar dan menjual apa yang anda niagakan adalah nadi kepada apa jua jenis perniagaan. Kebolehan yang diperlukan adalah:

- Kebolehan berkomunikasi
- Kebolehan merunding
- Kebolehan memujuk pembeli membeli
- Kebolehan menjual produk atau perkhidmatan anda

Kunci kejayaan apa jua perniagaan adalah jualan dan keuntungan yang tinggi. Tanpa kebolehan “menjual“, matlamat sesuatu perniagaan tidak dapat dicapai. Aliran wang (cash flow) adalah amat penting dalam perniagaan dan aliran wang hanya akan diperolehi melalui menjual produk dan perkhidmatan anda.

Oleh kerana menjual adalah amat penting dalam perniagaan, pelajari kaedah-kaedah menjual melalui buku-buku, seminar perniagaan dan juga seminar komunikasi.

Bertahun-tahun dulu, saya merupakan seorang yang agak pendiam dan sukar berkomunikasi dengan sesiapa sahaja- apatah lagi menjual! Ianya selepas saya memperbaiki kelemahan saya dalam komunikasi, saya mula dapat melihat kejayaan dalam perniagaan saya berkembang melalui pemasaran dan jualan yang meningkat. Dua tip dalam menjual:

1. Seseorang itu tidak dilahirkan boleh menjual! Menjual adalah suatu kebolehan yang boleh dipelajari. Seperti menunggang basikal, ianya agak sukar pada peringkat awal. Tetapi, apabila berkali-kali melakukan perkara yang sama, ia menjadi semakin mudah.

2. Komunikasi adalah penting dalam perniaagaan. Namun, berkomunikasi bukan sekadar maksudnya banyak bercakap! Tetapi juga untuk bijak mendengar. 85% kejayaan anda adalah bergantung kepada mereka disekeliling anda. Pelajari kaedah berkomunikasi, mendengar, memujuk, persembahan untuk mendapat kerjasama dari pelbagai pihak dalam membantu menjayakan perniagaan anda.

FAHAMI ANGKA PERNIAGAAN

Dimana kebolehan utama seseorang usahawan yang berjaya seperti yang telah dibincangkan adalah yang melibatkan apa yang dapat dilihat oleh orang ramai, namun jangan sesekali mengabaikan perkara-perkara yang tidak dapat dilihat oleh orang ramai- iaitu angka-angka perniagaan anda!

Kebanyakan usahawan lebih fokus kepada strategi memajukan perniagaan dengan memberi tumpuan kepada pekerja, pelanggan, produk, perkhidmatan dan pemasaran sehinggakan melupakan isu penting iaitu penyata kewangan.

Anda tidak perlu menjadi pakar dalam bidang perakaunan, tetapi, apa yang penting adalah untuk anda fahami penyata kewangan anda. Tugasan mengurus penyata kewangan boleh diagihkan kepada mereka yang lebih bertauliah. Namun, sebagai usahawan yang berjaya, anda perlu memahami pengiraan wang dalam penyata kewangan anda supaya wang yang masuk tidak menjadi wang keluar sehingga menjejaskan keuntungan keseluruhan perniagaan anda!

TIDAK PUTUS ASA MENCUBA

Pembaca sekelian,

Seperti yag dikatakan sebelum ini, 95% perniagaan akan gagal. Ini bermaksud, anda hanya mempunyai 5% peluang untuk berjaya! Sedih bunyinya bukan? Kunci terkahir adalah tidak berputus asa!

Anda kenali manusia terkaya didunia, Bill Gates. Tahukah anda bagaimana beliau menjadi manusia terkaya dalam perniagaannya yang boleh dikatakan yang paling berjaya di dunia?

Pada ketika ini sahaja Microsoft sedang membangunkan dan menguji lebih darpada 1,600 produk dan perkhidmatan yang balum lagi dipasarkan dimana kebanyakannya tidak akan dipasarkan pun dan dikira sebagai projek gagal. Mengapa begini? Microsoft tahu bahawa lebih banyak mencuba, maka lebih banyak peluang menjumpai kejayaan.

Usahawan yang berjaya adalah mereka yang tidak putus asa dalam usahanya untuk menjumpai 5% peluang kejayaan itu.

Walaupun dikatakan 9/10 rezeki datangnya dari perniagaan, rezeki tersebut tidak akan tercapai sekiranya anda tidak mendalami ilmu perniagaan. Ambil langkah demi langkah dan pelajari selok belok perniagaan. Kejayaan perniagaan akan datang kepada anda sekiranya anda mendalami ilmunya.

Seven New Rules for the First-Time Home Buyer

Too many people bought too much house for too many years.
Yes, the financial system almost collapsed because mortgage bankers and brokers told lies about loan terms and loosened standards in dangerous ways, and investment bankers packaged those loans into bonds that were far more toxic than ratings agencies predicted.

But the roots of the mortgage contagion lie with all of us and our desire to own just a bit more house.

So as the one-year anniversary arrives of our near financial collapse, it’s a good time to blow up a long-standing but underexamined maxim of real estate — that you should always stretch financially when buying your first home.

No one is quite sure who came up with this idea, though suspicions rest on real estate agents or kindly parents with the best of intentions who never expected that real estate prices could fall. Whatever its origin, the economists and financial planners I spoke with this week are almost unanimous in their rejection of it.

Here’s how they dismantled the old saw — and a list of seven suggestions they offered up in its place.

START WITH THE BASICS Let’s begin with some other standards, tried and true advice that served banks and borrowers well for years, until they forgot all about them in the race to write more loans and buy bigger houses. Put 20 percent down, so you have less of a chance of owing more than your home is worth if prices fall again. Get a fixed-rate mortgage, so the biggest part of your monthly housing bill remains stable.

If you’re determined to be truly conservative, don’t spend more than about 35 percent of your pretax income on mortgage, property tax and home insurance payments. Bank of America, which adheres to the guidelines that Fannie Mae and Freddie Mac set, will let your total debt (including student and other loans) hit 45 percent of your pretax income, but no more.

That said, if you end up with an adjustable-rate loan, banks may not be concerned with whether you’ll be able to afford the maximum possible payment when the interest rate adjusts in five or seven years. But you should be worried about it.

CONSIDER YOUR INCOME The best case for stretching for a first house is that first-time home buyers in their 20s and 30s will probably see their incomes grow more quickly than older people buying their second or third home.

Harvey S. Rosen, a Princeton economics professor, finds in a forthcoming Journal of Finance article that he co-wrote with two Federal Reserve Bank economists, Kristopher Gerardi and Paul S. Willen, that the size of a house that someone buys tends to be a good indicator of what their income will be later. “People can, on average, make reasonably good predictions of their future incomes and act on them in sensible ways by buying bigger houses,” Mr. Rosen said.

Indeed, much of the mess in the mortgage market has been because of people borrowing money with loans that they didn’t understand — or betting that housing prices would continue to rise enough that they would be able to refinance their loans before the payments rose. Income overconfidence may have had something to do with it (and high unemployment worsened the problems), but it’s probably not the primary cause.

BOW TO UNKNOWNS This research is all well and good as long as you continue to work. But if you’re buying your first home before you have children, you may feel quite differently about work once you become a parent. And if you do, you may not want a mortgage boxing you in to going back to the office three months after the baby is born.

Bobbie D. Munroe, a financial planner with Fraser Financial in Atlanta, encourages younger clients in this situation to model out their budget, including any proposed mortgage, three ways — with both spouses working full time, one working part time and one staying at home for a few years. She also suggests imagining or even practicing living on one income, to see if it’s truly realistic.

“What people should do is ultimately their own decision,” she said. “But they should do it with eyes wide open.”

Even people who don’t want to have children need to consider this. Besides the obvious possibility of sustained unemployment, what about the need to escape a dying industry or an early midlife crisis that necessitates career change to stave off depression? Even government employees and medical residents who believe that their incomes are set for life ought to consider this possibility.

MAP OUT EXPENSES It stands to reason that anyone tempted to stretch for a house will be inclined to play down the expense of maintaining it. These costs are anything but ancillary, though.

For many years, Dennis G. Stearns, a financial planner in Greensboro, N.C., has been alarmed enough by clients’ unrealistic expectations that he’s maintained a home cost spreadsheet that he shares with clients shopping for houses. He also updates it periodically with aggregate, real-world data based on their subsequent experiences.

Mr. Stearns estimates that owners of a newer home that do some work for themselves but contract major work out to others will pay 3.6 percent of the original purchase price annually for maintenance and 4.5 percent if it’s an older home. So if you own a $400,000 home, your costs will probably hit the five figures each year — and may rise with inflation. These expenses will be another 20 percent or so higher if you live in a severe weather area. He does note, however, that the tax benefits of home ownership can offset half or more of these costs in some areas of the country.

BUY BEST (OR CHEAPEST) All of these caveats have given rise to some unusual strategies. Michael Kalscheur, a financial planner with Castle Wealth Advisors in Indianapolis, suggests buying the dream house you covet (if you can afford it) or an inexpensive starter house but not anything in the middle.

“If people have their heart set on something, inevitably, if they can’t afford what they really want, they buy the next best thing,” he said. “That’s absolutely the worst thing you can do. Not only do you not get what you want, but it sucks you dry.”

Why? Well, if you buy that entry-level home instead of the silver-medal home, you can save a lot more money each month after making the house payment (as long as you’re disciplined) than you would if you were paying a big mortgage toward that next best house. And all of your other housing costs will be lower, too. Then, several years later, you’re in a much better position to buy what you actually want.

STRETCH THE HOUSE Better yet, keep in mind that you don’t ever have to move from that first home — and incur all of the transaction costs associated with selling and buying and moving again.

J. Michael Collins, an assistant professor in the department of consumer science at University of Wisconsin’s School of Human Ecology in Madison, suggests paying less for a home that you can upgrade periodically when your income is stable and your savings or available credit make it possible.

In other words, stretching out your tenure in a home (and the physical boundaries of the home itself) may make more sense than stretching for each successive mortgage in a series of two or more houses.

THE EIGHT-HOUR RULE One rule about all of these rules is that it’s unlikely that every one will apply to every circumstance. Individuals and their income streams are too varied, and real estate markets are themselves unique.

When all else fails, however, you can always fall back on the eight-hour test. Whatever the size of your mortgage, you have to be able to sleep soundly at night. So if an impending loan has you stretching for the Ambien, it’s a pretty good sign that the loan is a bit of a stretch as well.

8 WAY TO GET RICH

Decide what ‘rich’ means to you. Does it mean money for everything you need? Money for everything you want? Enough to retire where you live now? Enough to retire and live in Costa Rica?

  • 2

    Start saving. Most experts agree that investing 10 to 15 percent of your gross monthly income creates a very comfortable nest egg for later years.

  • 3

    Take advantage of compound interest, earning interest on your interest by letting investment returns accumulate and build on themselves.

  • 4

    Resist temptation, whether that means a brand-new car right out of college or weekly dinners at nice restaurants. Invest the money you save by buying a used car or going out only twice a month, and you will have thousands of dollars more at retirement.

  • 5

    Take care of yourself. This will reduce medical costs later on in life, as well as extend the years you can work and save.

  • 6

    Go to college. By one study, college graduates earn roughly $20,000 more per year than people with just a high school diploma, and a post-graduate degree nets $20,000 more than a bachelor’s.

  • 7

    Get married. Married people are generally healthier than singles. Plus, they can economize on expenses, and they have more to invest. And because married people live longer, they can work and save longer.

  • 8

    Enjoy the ride. Don’t be so concerned with amassing a fortune later on that you neglect to enjoy life now. Strive for balance.

    How to Earn An Income From Home Blogging 1-2 Hours Per Day

    I know there’s a lot of people out there that don’t have any real big money to invest in Internet Marketing Courses and just need an easy, simple way to Earn An Income From Home that actually works. If I was stripped of every nickel I had from my bank account and was given a budget of just $100.00 to start an Internet Business with, here’s what I would do.

    First I would pick a Niche to get into that I was passionate about. Maybe you’ve been successful in the past selling Insurance. Or maybe you’re the top Real Estate Sales Person on your city. Or perhaps you are a Botanist and know everything someone would want to know about Flowers.

    All of these niches have great Affiliate Programs. My point is you want to go into a niche that is easy for you to write about, one that is commercially viable and one that won’t give you writers block. Because whatever niche you choose, in order to become an authority in that niche, and in order to Earn An Income From Home in that niche, you’ll need to be prepared to do a lot of writing. The more the better. I will explain more later in this article.

    I would then go and spend under $10.00 and purchase a domain name that you like, think others will like and that represents the Niche you want to be in. Then I would get low cost website hosting also under $10.00 per month. Then finally I would get Carl Ocab’s Ultimate Blogging Theme at $67.00. Right now you are still at under $100.00 and this is all you really need to invest to get started.

    Earn An Income From Home Using This Proven Blueprint

    After you get your Blog installed and working properly, the trick here is to write content and lots of it. Sure you can hire a ghost writer, but doing this will cost you money and if you know your niche chances are writing will be fun and natural. This is why I say it is so important to pick a Niche you really are passionate about.

    Each day write 1-5 articles on your Niche Topic. My magic number I shoot for is 3 per day. First post them on your blog with pictures. You can review other companies or use the Google keyword Research Tool and write articles based on Long-Tail Keywords, which are keyword phrases that are at least 2 words long.

    If you were a botanist for example you might find public domain photos which are all over the place by the way, and post a picture of a different type of flower on each blog post you create and review every type of flower there is. This will make your blog posts much more attractive.

    After you write your blog post, take that exact same post and write a description and author bio for it. Then submit this post to all of the major article directories that allow duplicate content. You are allowed 2 links in each author bio. Make sure one of them points directly to the blog post you just created. The other one can point to your main page or to a related affiliate program within that domain. Almost all of the major article directories currently accept duplicate content and if they don’t you’ll know, they usually tell you right on the submit form.

    Once or twice per week find blogs on your niche topic and intelligently participate in the comments section. Let them know how much you know on the subject. Don’t just post one or two lines they will get deleted in almost all cases. Post a good 2-3 paragraphs and link them to your blog.

    Don’t expect to see much in the way of sales activity until your blog gets to around 300 pages. This could vary by niche but this is the general rule. Remember by writing and submitting articles you are building momentum, and this takes some time to start. Our MLM Website averages about 800 Unique Visitors per day, and each article we write gets us about 1.5 unique visitors per day on average.

    There are 2 main ways to monetize a blog. By monetizing it I mean making sure it is setup to make the most money possible from the traffic you are sending to it. One way is to get a free Google Adsense Account. Doing this takes 5 minutes and Carl Ocab’s Ultimate Blogging Theme makes it easy to setup Adsense on your blog.

    The second way to monetize it is with Affiliate Programs. As you write your reviews and build out your blog, use the Simple Link Cloaker Plugin which is also free. Then hyperlink this URL about 3-5 times in every blog post and hyperlink your blog images. We’ve had great success sending people to Affiliate Sites using this method.

    As you can probably tell by now learning how to Earn An Income From Home really isn’t about having a bunch of money up front to spend. In fact it really won’t help you much at all in the Blogging World. It’s more about consistently adding quality content to your blog and getting a steady supply of backlinks from the Article Directories and related blogs. Once your blog reaches 500 Unique Visitors per day or more, you can even request other Blog Owners in your same Niche to do Unique Content article swaps.

    HOW TO BECOME RICH IN MALAYSIA

    If you have ever wondered how to get rich in Malaysia – fabulously rich and very quickly at that – here’s a model that you might want to look at very closely. Not easy to do but if you do have a couple of projects in the bag, it will set you up for several lifetimes.

    First you need connections – strong ones, the higher the better and if it goes right up to the top all the better. You need this because you need to convince the powers that be that your projects are good.

    But you might ask if your projects are so good, why do you need connections? Why don’t you just go out and execute? Good questions, those. Here’s the answer – you need the state to give you something to do the deal that will help the nation.

    Still can’t figure it out? See, it’s like this. You want to help the country, right? The country needs say a port. But you can’t build a port just like that. You need land to build a port. You tell the state or federal government you need land – cheap land, preferably free to build the port.

    Or to take another example, you want to help the country by building a power plant. But look, you need land too and not only that you need the power to be sold. So you want an agreement – an iron-clad one to sell the power to Tenaga Nasional and to pass through all costs.

    You see, that’s your reward as an entrepreneur – you get someone else to build the power plant, they guarantee the performance of the plant and someone else guarantees to buy your power and pay for all your costs. Nice deal? You bet. Billionaires have been made that way.

    Or you may want to start an air hub. If you are persuasive enough, you can even convince the government to compulsorily acquire the land and sell it to you cheap. Once you have cheap land, lucrative contracts and concession agreements, the sky’s the limit.

    Let’s take it a step further. If you want to realise the value of all of these things that you have and still keep control of them, it’s nice to have a listed company into which you can inject them. Inject one asset for shares and you gain control of the company.

    And then inject others over the years for cash, taking the money out of the company. Who says you can’t have your cake and eat it too?

    Do it right and get a flow of assets to inject in (you can do anything with discounted cash flow valuations – just change the discount rate, and presto, the value changes!), and you get a tidy flow of profits and cash into your personal accounts over the years. I mean a really tidy flow.

    Just how much can you make this way, you ask? Why don’t you take a guess first? Did you say RM500mil? Guess again. RM1bil? How about five times that and you may be getting into the right order of magnitude.

    One Tan Sri Syed Mokhtar Albukhary actually made some RM4.5bil that way – actually more because he still controls the listed company. (
    MMC’s latest RM1.7bil deal irks investors7
    ) We are not saying he is the only one, which makes your chances of joining the ranks better – if you are connected to high places that is.

    But then again, if things change – and that’s still a big ‘if’ – you might not find it so easy anymore.

  • P. Gunasegaram is managing editor of The Star. He thinks it is high time we changed the way we did business
  • Wouldn’t it be wonderful if you could get rich tomorrow? What would you do with all that money? Well believe it or not it can be done. Now I didn’t say it would be easy I just said you could do it. Here are 10 tips on how to get rich fast.

    1. Invest – Start young. In fact start while you are in elementary school, kindergarten is even better. It’s the beauty of compound interest and over time your money will grow into a nice nest egg. Okay if you are reading this you are probably too old to start in elementary school but you can get your kids hooked. As for you the best plan of defense is to invest 50% of your salary in a high risk market fund or the penny stock market. You’ve got a 50-50 chance. You’ll either make a million or be broke in 90 days.

    2. Marry Rich – Now how difficult can this be? All you need to do is find someone who has loads of money and marry them. Okay I didn’t say you’d be happy just rich. Perhaps not a solution for most of us but it apparently works for a few.

    3. Win The Lottery – Ya ya I know the odds of getting struck by lightening are better than the odds of winning the lottery but you can’t win if you don’t try and it’s one of the few ways I know of that you can get rich fast.

    4. Rich Parents – If you come from a wealthy family then you are half way there. All you have to do is stay in their good books and convince mom and dad to not spend their money and leave it to you when they pass. After all why should your parents get to enjoy the wealth they reaped?

    5. Get An Education – Go to school for lots of years, accumulate plenty of debt, and choose a career that pays big bucks. After about 10 years in your profession you should be rolling in the dough and you might even be filthy rich before you get old

    6. Become A Star – Heck if Jennifer Aniston or Nicolas Cage can do it why can’t you. A couple of acting lessons and you should be set. All you need to do is head to Hollywood and strike it big. One good movie and you’ll be set for life.

    7. Invest In Real Estate – Buy high sell low – whoops I think I got that backwards. Buy low, wait 10 years, 20 years, maybe even 30 years but inflation will have your investment growing by leaps and bounds and you could be filthy rich especially if you bought in an up and coming city while house prices were still low. Now if you bought in Hicksville USA you may have a problem. It might take more than your lifetime to see any dramatic increases. Oh well you can leave it to your kids who can leave it to their kids and in another 100 years or so someone’s going to be sitting pretty.

    8. The Internet Way – Heck where have you been. A quick search on the Web will reveal plenty of sites that will teach you how to make $50,000 a day. Now I think most of us could live quite comfortably on that don’t you? All you need to do is part with about $500 and they’ll tell you the secrets of wealth in one page or less. If the first one doesn’t do it for you perhaps you might want to try a few more. Oh wait a minute. Perhaps what you need to do is set up one of these sights, then you’ll be the one getting rich off the other poor fools that part with their $500.

    9. Bank Robbery – Okay highly illegal and could land you a lifetime in the slammer but desperate needs require desperate measures. After all if you get caught you might not be rich but you’ll have free room and board for the rest of your life and then you could write a book about what not to do when robbing a bank and well see you could get rich from your book. And even better, you’ll stay rich because there is really no place to spend it while in jail.

    10. High Risk Work – Take on those high risk jobs no one else wants. You know counselor in Iraq, bean counter in Afghanistan, Oil tycoon in Iran. But hey if you live through it you’ll be rolling in the dough. What does it matter that 99% never live through it. You’ve got a 1% chance and when it comes to getting rich those are pretty good odds.

    Sure most of these ideas are pretty off the wall but if getting rich fast was easy wouldn’t we all be rich? Then what fun would there be in that? We’d all have too much money and probably be bored to tears. So why not aim for better life with good friends, love, happiness, and enough money to live comfortably but not so much that you stop dreaming about what you would do if you were rich.

    About The Author:

    Jude Minar

    etting rich fast is not something that many people believe in. Many say that it is not possible, but here is an idea on how to accumulate wealth in a short amount of time.

    Some things must clear from the beginning, though. Quick is not overnight, quick stands for several years, at least. Of course, there may be ways to get rich quicker than several years, if you manage to write a great song that goes straight to the tops, but not many people have this luck.

    In order to get rich fast, first, you must have an idea. Then you must make this idea reality. You cannot do this unless you know how.

    For this, you need to have a certain amount of knowledge about how your idea should work. Here is an example from which you may learn something about getting an idea into life.

    You may have heard the word �arbitrage�. It is a term commonly used by the stock market people so it might not mean anything to you.

    This is the idea we are talking about here. Well, an arbitrage is quite a strange deal. It is like somebody offers you $75,000 for your $100,000 and that only for putting the money into your account.

    Not many people would say yes to something like this. But there is a catch and here it is.

    People do not see everything accountable with money, they mostly deal with values or perceptions and there are many ways for swapping the money as in the example mentioned above.

    This is knowledge of the wealthy people. It is also treated as a secret and being held under wraps, but here are some things about it that you have never heard of.

    Example is the best way to see the concept at work. Here it is.

    You have heard about wholesale and retail. It is a real economy concept. For many years, people bought things in bulk and sold them through retail in order to obtain a profit. There are many individuals that succeeded in developing a career and quite a good one, by doing this kind of stuff.

    It is an idea about how you can get rich fast. You can use it to make a decent profit or even a more substantial income.

    Look at this idea. The newspapers sell their pages for ads. A small ad can go up to 140 dollars, but if you go for a whole page, you will pay only $900. The reason why this works is because the newspapers work less so they ask for less money. What can you do with a whole page space in a newspaper. Well, you can sell it by small pieces to other investors that need to publish their ads. Offer them a better deal than the newspaper and watch them flock to you. Try to stimulate them with some bonuses, like lowering the price for paying in advance.

    You can make a load of cash just from applying this economic concept I told you about. You can improve your business any way you like. Because we talk about ads, you can choose the most suitable colors, add some nice graphics and so on. Everybody wins. Your customers pay less and you get a nice profit by selling the space in the page.

    Of course, you must put some money in your business, but it is a risk well taken if you know how to make your idea work.

    About The Author:

    Graham Lavery is the Editor and Publisher of Article

    10 Bad Habits and What They Cost You

      · Drinking Soft Drinks
      · Reading Gossip Magazines
      · Buying Coffee
      · Playing the Lottery
      · Getting Fries With That
      · Text Messaging
      · Watching Porn
      · Smoking Cigarettes
      · Playing Online Poker

    TIPS TO GET RICH

    No matter which life stage you are in, you have a future ahead of you and you should not leave it to chance- you must plan for it. So what are your financial goals?

    Here’s a tip: “making a lot of money fast” is not necessarily a reasonable goal. Look ahead and think of when would you incur major expenditures.

    When you think of your goals, you should think about your hopes and dreams, for yourself and your family. What do you hope to achieve in life? Possibly buy a home and send your children to college?

    Or maybe you’d like to retire early and travel the world? And now compare the future dream with the current reality. Here are a few tips for planning for a secure future:

    1. What you earn, what you spend

    The first part of allocating your investments is to figure out what’s there to allocate. You need to estimate both your net worth and your net income/expenses. Your net worth, what accountants call a balance sheet, compares your assets (what you own) with your liabilities (what you owe).

    This will help you see your monthly disposable income  –  the income you have left over after paying all necessary expenses. And that tells you how much you can afford to contribute to your financial goals each month.

    2. Set your goals

    Financial professionals often counsel investors to write down their goals. Their intention is not to make you ponder the meaning of life, but to help you create the best plan to reach those goals along the way.

    There’s another benefit that comes from identifying your goals. Saving and investing just for the sake of getting rich might work for some people.

    But for most others, though, giving up Rs.5000 every month can put a strain on their wallets – until they look at a photo of their children and remember that the Rs.5000 they’re investing now will go toward helping pay their kids’ higher education fees later.

    3. Budget for it

    After you identify your goals and how much you need to reach them, you should begin setting aside money on a regular basis to invest in your plan. Saving on a regular basis is the key to reaching your goals; no matter how little the amount you start out investing.

    Don’t be discouraged if your goal seems large and unreachable – remember that even a leaky faucet can fill your sink with water, drop by drop. Making investments on a regular basis, even if you can only set aside a small amount each month, can eventually build a sizable portfolio.

    Many people think that they can’t spare any cash to start an investing plan. These people probably have not learned the importance of paying yourself first. Setting aside a small amount for your long-term investing plan each week or each month before you pay any other bills or expenses is all you have to do.

    4. Spread your money

    It’s rarely a good idea to have all your eggs in one basket. Depending on your goals and attitude to risk, you should invest your money over different investment options such as Stocks, Mutual Funds and Bonds.

    You may also want to diversify within each of these categories. With stocks, for example, a mutual fund will invest your money in a variety of companies but you may want to ensure you have a range of industry sectors too.

    5. Make sure your money grows

    Should you leave it in the savings bank account and earn a meager rate of return? Or should you invest it in the PPF? The fact is that investing your money in the so-called safe fixed income instruments like Fixed Deposits, PPF, NSC, etc. is simply not enough.

    This is due to the low rate of return on such instruments and high inflation rate in the economy. It is your hard earned money and you should invest it in instruments, which will make it grow over time and thereby build capital for your future.

    Stocks is known world over for its potential to increase in value over time and provide your portfolio with the growth required to help you meet your long-term goals. Mutual Funds have given investors a whole new avenue for investment as per your risk appetite and expected returns.

    6. Keep track of your track record

    After you invest, you’ll want to keep track of how your investments do. This doesn’t mean you need to watch your returns on a daily basis (doing that can be like weighing yourself every day when you’re trying to lose weight — it won’t help you judge long-term results, and you can drive yourself crazy doing it).

    Instead, establish a regular timeframe for checking your investments to see if they are matching or beating your goals. For example, you may decide to review your returns investments once every three months, or twice a year.

    While benchmarks aren’t the only way to judge the strength of your investments, these tools can help you gauge how your investments are doing compared to similar investments. You may use the following benchmarks:

    Market indices — such as Sensex, Nifty. This will help you compare your performance with the overall returns of the market

    Mutual fund benchmarks — AMFI (Association of Mutual fund in India) has certain benchmarks for various categories of mutual funds.

    Personal benchmarks — you can set an overall goal — for example, for your investments to outpace inflation by 5 percent over a period of five years — and use it as a benchmark.

    Be sure to set a reasonable timeline over which to compare your investments to a benchmark. You want to know how your investments perform through market ups and downs, so a longer timeline is more telling than a shorter one. For example, a five-year comparison will tell you more than a six-month comparison.

    If you find one of your investments under-performs over the short term (for example, under-performed its benchmark over the last three months), don’t be hasty to sell it earlier than you planned unless you’ve lost confidence in its long-term potential.

    7. Don’t lose your balance

    You’ve established a portfolio with an asset allocation that suits you, and are reviewing your investments’ performance on a regular basis. Think your work is done? Not quite.

    You should still sit down periodically — such as once a year — to review your goals, finances and asset allocation. After all, goals can change. Time and circumstances can shift your priorities and your comfort with risk, changing your ideal asset allocation. When this happens, you may need to make changes to your portfolio.

    Even if your ideal asset allocation hasn’t changed, review your portfolio to make sure your existing asset allocation is still what you planned. Sometimes your asset allocation will change through no action on your part due to market movements. When this happens, your portfolio is out of balance — which can expose you to more risk than you intended.

    How can you fix it? You might sell investments in one asset class or buy extra shares of investments in another class.

    When should you be on the lookout? If you’re like most people, once or twice a year is probably often enough to see if the asset allocation in your portfolio is still what you’d planned.

    But be sure to also check when you go through a major life change, such as getting married, having children, changing jobs or retiring. When you go through a big change, examine both your existing and your planned allocation to make sure both are right for your new lifestyle and risk tolerance.

    Just keep these seven steps in mind and you should be able to achieve all your goals. Happy saving!

    The author is CEO and MD of IDBI Capital.

    TIPS FOR GETTING RICH FROM WARREN BUFFETT

    The wealthiest man in the world is self-made billionaire Warren Buffett, and the $62 billion dollar man was gracious enough to sit down with Parade and discuss his 10 best tips for getting rich. I’m inspired by Buffett’s entrepreneurial spirit and tenacity for success; here are his five tips I like best.

    1. Reinvest your profits. In high school, Buffett and a friend bought a pin-ball machine for a barbershop. They took their profits from that first investment and bought more machines for different shops, and Buffett took his proceeds to invest in stocks and a small business. By the time he was 26 he’d amassed $174,000, the equivalent of $1.4 million today.
    2. Watch small expenses. Be aware and cautious with your spending, and your paycheck will go much further.
    3. Limit what you borrow. Buffett’s advice: Negotiate with creditors to pay what you can. Then, when you’re debt-free, work on saving some money that you can use to invest.

    See two more of Warren Buffett’s tips when you read more.

    1. Be persistent.We’ve talked about this before, and it’s a point that Buffett includes in his top ten tips: With tenacity and ingenuity, you can win against a more established competitor.
    2. Assess the risks. Consider the worst and best case scenarios when making a difficult choice; seeing the consequences clearly will lead you to the smartest decision.

    20 Money Hacks: Tips and Tricks to Improve Your Finances

    “Money is better than poverty, if only for financial reasons.” - Woody Allen

    We had the Parent Hacks earlier this week, and I was thinking it would be fun to do the same with finances — ways to trick yourself, to get around obstacles, to boost your accounts, without it hurting.

    Improving your finances improves your happiness, in general, so I thought it would be important to share stuff that’s worked for me.

    I’m in the best financial shape in my life, despite quitting my job and my wife recently quitting hers too. A lot of that is thanks to you guys, the readers, but it’s also thanks to frugality, to eliminating debt, to saving as much as I can. To these hacks.

    Here’s what works for me — please avoid flaming me, as I’m not saying they’ll work for everybody. Share your tips and tricks in the comments!

    1. Use cash. Instead of charging things to credit cards or debit cards, use cash for non-bill spending such as eating out, gas, groceries. Spending cash makes the spending more real, and there’s an added advantage of knowing when you’re out of cash, instead of spending more than you
    2. Small weekly savings transfers. I got this idea from my friend Trent at The Simple Dollar, who automatically deducts $20 a week from his check to savings. I decided that I could live with $40/week without really feeling it — it’s a relatively small transfer that I barely notice, and I save about $2,000 a year on top of my larger bi-weekly savings transfers.
    3. Stay home. Going out makes you more likely to spend unnecessarily. You eat at restaurants, go to the mall, stop at the gas station for snacks. It’s hard to avoid spending when you’re on the road. Instead, stay home, and find free entertainment. It’s also a great way to bond with your family.
    4. Don’t get catalogs. Or emailed announcements from companies trying to sell you stuff. Their announcements of sales or cool new products make it very tempting to buy something you don’t need. Instead, stop the catalogs and emails from ever getting to you in the first place, and you’ll spend less.
    5. Keep a 30-day list. If you have an impulse to buy something you don’t absolutely need, put it on a 30-day list. You can’t buy anything but necessities — everything else goes on the list, with the date that it’s added to the list. When the 30 days are up, you can buy it — but most likely, the strong urge to buy it will be gone, and you can evaluate it more calmly.
    6. Cook at home. I know, it seems more difficult than eating out. But it doesn’t have to be hard. Throw together a quick stir-fry with frozen veggies and either boneless chicken or (my favorite) tofu with soy sauce or tamari. Make home-made pizza with a ready-made crust, some sauce, cheese and veggies. Put some spices on something and throw it in the oven while you cook some brown rice. Not only is this much cheaper than eating out, but it’s healthier.
    7. Exercise. Staying healthy is the best way to avoid costly medical bills later.
    8. Use the envelope system. It’s the same idea as using cash for spending, but in addition you use envelopes to split your spending cash into categories. My non-bills categories are groceries, gas and miscellaneous spending. Three envelopes, and when they’re empty, I’ve spent my allotment.
    9. Talk with your SO weekly. It’s important that you and your significant other be on the same page. You should have the same financial goals, and from there you should agree on a general spending plan and a policy for impulse buying that won’t have either of you wanting to choke the other. Make sure you both know what bills have been paid, what your balances are, etc. A weekly meeting of just 20 minutes accomplishes that. Communication is key.
    10. The spreadsheet tracker hack. There are expensive programs like MS Money, Quicken, and the like that will do amazing things with your financial information. There are even free ones, on your desktop or online, that can do all kinds of things. Trouble is, I don’t need all that. All I want is a way to track my money easily, with no other bells and whistles, and a way to access that online so that I can view it from anywhere. The best way I found to do that is through Google Docs and Spreadsheets. I created a simple spreadsheet to track my bank accounts, that does everything I used to do with MS Money. It has the date of each transaction, the title and amount, a little field for memos, and a running balance. What more do I need? Keep it simple. Update: View a sample I put online here.
    11. Pay savings and debt first. When you sit down to pay your bills (I do them all online), make the first bills you pay be your savings transfer and your debt payments. If not, if you pay them last … you’ll often end up shortchanging them. But if you pay them first, you’ll make sure you still pay your rent or mortgage, utilities, groceries and gas … so you’ll just cut back on other spending.
    12. Exercise at home. Some of you will disagree with me on this, which is OK — everyone should do what works for them. But I’ve saved a lot of money that I used to spend on gyms by just running at the local track or on the roads in my neighborhood, and buying some simple weights and a chin-up bar. I do a lot of body-weight exercises (pushups, Hindu squats, lunges, pullups, dips, etc.) and I don’t need a gym for those things.
    13. Cut out cable TV. I’m not saying I don’t watch TV — I watch DVDs, so that I’m sure that what I’m watching is something great, rather than the useless stuff you find on TV most of the time. And there’s a lot of it online for free if you look. Not a huge savings, but it adds up.
    14. Declutter. By getting rid of all the excess stuff in your home, you not only make your life much simpler and more peaceful, but you make it harder to buy stuff that will just clutter things up again. Once you’ve simplified your home, you won’t want to go back.
    15. Lend and borrow. Give books and clothes and toys you don’t need anymore to your friends and family. If you need something, send out an email asking if anyone has it. Chances are, they’ll give it to you for free if they don’t use it anymore.
    16. Barter. It’s a lost art, but lots of people will take your services or goods instead of money, especially if you’re friends or at least know each other. Get into the habit of offering to barter, and you’ll find yourself saving a lot of money. My website design was done through the barter system, so I saved well over $1,000 there, for example.
    17. Use online savings. I use Emigrant Direct, but ING Direct is also popular, as are a bunch of other online banks. Not only do you earn like twice the interest of a normal bank savings account, but if you don’t get the ATM account it’s not as easy to withdraw money … making it less likely that you’ll get money out on an impulse.
    18. Try frugal gift-giving. Giving people gifts is one of the most wonderful traditions, as it shows generosity and caring. Until it becomes commercialized. Then it’s just really really expensive. Instead, try giving the gift of spending time with someone. Try giving them something you baked or made yourself. Try giving them services they’d appreciate. It doesn’t have to cost a lot to be generous.
    19. Teach your kids about advertising, saving, earning, and gift-giving. If you have kids, educating them about money will save you a lot of money in the long run. If they know about how advertising influences them in tricky ways, they’ll be less likely to demand (OK, beg and plead for) the latest fad toys. If they know about saving and earning money, they’ll respect the money that you earn, and that you are trying to save. If they know that gift-giving doesn’t have to be about spending a lot of money (see above), they won’t necessarily want expensive stuff.
    20. Find happiness in life, not spending. Many times people buy stuff because they think (subconsciously perhaps) that it will bring them happiness. They just HAVE to have the latest gadget or shoes or cars. It’s so fun! And yet, you buy that stuff, and you’re only happy for a day or two at most. Then you just need to buy more. It’s a never-ending cycle. Instead, learn to love life. Find joy in nature! In the people around you! In doing something you love! In exercise and meditation! There’s so much in life to make us happy, there’s no need to find it in spending.

    “I’d like to live as a poor man with lots of money.” - Pablo Picasso

    7 TIPS TO BECOME RICH

    1. Self confidence
    Rich people have an innate confidence and faith in the knowledge that they are destined to be rich. They have the determination, drive and energy to keep going until they reach their goals and nothing will deter them. Giving up is not an option for rich people.

    2. Prioritising their time
    Rich people protect their time. They value it and don’t waste it on meaningless pursuits, such as watching mindless television or wasting valuable time sleeping in late. They have a plan for each and every day which is broken down into sections to complete each set and specific task. They normally set their plan the night before so that when they wake up, they know exactly what they want to achieve by a certain time in the morning etc. Time management is a very important criterion of the rich.

    3. They network to improve their social status
    Rich people are focused and like to mix with like minded people. They prefer to be surrounded by people who have driven themselves by their own motivation and determination. This does not mean to say that they only mix with wealthy people. ‘Rich’ comes in all forms. Mother Theresa certainly was not wealthy but many people would love to have been able to network with her.

    4. Investing
    They do not hesitate when they need to spend money on investing in their knowledge because they know that this will be returned threefold at the very least. They refuse to consider that they are not progressing in their future wealth. Rich people believe that knowledge is power.

    5. Positive attitude
    No matter what they have to contend with, rich people will always see the positive side of any situation. “Every disaster has a silver lining” and “You never know what is around the corner”, are words often spoken by rich people. Other people love to be around them as their positive attitude is so infectious and inspires them to want to achieve their own goals.

    6. Good money habits
    Rich people nurture their money and invest it in places which will give them the best rate of investment and also security. They rarely gamble, if ever.

    7. Generosity
    The majority of rich people are extremely generous. If they have arrived into wealth from a background of poverty, you will often hear examples of what these people have given back to society. One example would be that of Bill Cullen from Dublin, Ireland. Having been born into poverty he went on to make millions and then set up a charity to help young people achieve their goals in life. In the past 17 years he has raised £20million through his charitable work.

    HOW TO INVEST AND BECOME A RICH

    Below, I have listed Moolah’s 10 special tips on how to start investing that will help current and future investors along the way. Now, don’t get it twisted, these ten tips on investing are not the Bill of Rights of investing, or the 10 commandments. These tips are just my simple ways that will keep you ahead of the game, and provide good results in the future:

    Tip 1: Know your risk tolerance: There’s an easy way to figure this out when dealing with investments, and that is after making that investment can you sleep at night? What I mean is when it’s all said and done, are you internally ok with your decision. My dad used to always tell me if something you’ve done keeps you up at night, it’s probably not right. So bottom line is if you can’t honestly live with the investment you’ve made, wake up the next day and get out immediately.

    Tip 2: Join or Start an Investment Club: I’ve been part of my investment club for about 5 years now, and if it wasn’t for my group I wouldn’t be where I’m at right now with my investments. What’s better than meeting up with like minded people like yourself, and bouncing tips and strategies with one another? You could start a group with a few relatives or friends, and each member would get to research their own area of interest and give feedback to the group. This will create a better portfolio, and since everyone will be investing in the same pot, you money will grow faster. Basically like the old saying says “Two heads are better than One”.

    Tip 3: Stop acting like a day trader, and take a long term view. Unless you’re an aspiring day trader, or one already you should leave the instant tickers alone! Set a schedule to check you stocks like once a week, or every Monday morning and Friday evening. The reality is when your learning on how to start investing you will understand the stock market moves constantly with or with our knowledge. Keep to the buy and hold strategy and check you stocks periodically. Now, this doesn’t mean to buy stocks and forget about them. You need to check your stocks, and gauge their performance.

    Tip 4: Invest regularly. Before going out to invest, one of my main tips of investing is to set out an investing plan. For example, set a plan to buy a few stocks per month or every other month, and stick to that plan no matter what. Historically, the key is to invest in small increments rather than one lump sum. Using this method, will achieve dollar cost averaging in the prices you pay.

    Tip 5: Solid Research- not “quick tips” is the way to go. Don’t fall prey and listen to a financial analyst or colleagues telling you about a hot tip. 9 out 10 times, these stock tips will put you on your a$$. One rule of investing you should is to always avoid those stocks that Wall Street loves, because the reality is by the time you hear about it, the well has probably run dry. The key is to continue to do your solid research, and keep course with you investment plan.

    Tip 6: Invest In What You Know: I have a background in technology and accounting, but a friend of mine recently gave me a stock tip to invest in a pharmaceutical company that is suppose to be coming out with a new wonder drug. Do you go out and invest in that stock? Yes, by all means go do a little research on the stock to see what the stock is all about, and if it makes sense to you. If you can’t make sense of it, stay away from it. Invest in stocks that make sense to you or in stocks where you good knowledge of. Take a page from Warren Buffet who never invested in areas he wasn’t knowledgeable about. A final note, that tip that my friend gave me has dropped by 30% in the last six months.

    Tip 7: Have a Balanced Portfolio. You can build a successful portfolio over time if you spread you money over a number of different kind of investments. You should allocate a certain percentage to stocks for growth, bonds and CD’s (certificate of deposits) for income, treasuries and municipal bonds for tax advantages and safety. You could also have a few money market accounts for obtaining quick cash when needed. Balancing your portfolio will provide growth with your investments, and will lessen the effect of your losses.

    Rule 8: Make Compounding Your Friend! A lot of people have believed and put into their heads that to make money in investing you have to start off investing with a lot of money. All I to have to say to that thinking is balderdash!! If you used the law of compound interest, and started investing just one dollar everyday for the past 30 years. You would have over 45,000 in your investments right now, assuming you made a yearly average 8% on your money.

    10 ways How to Get Rich

    by Roman on August 14, 2010

    1. Steal

    It’s just like taking candy from a small child!  Stealing is taking the easy way out to get rich. As we know from the news it can at times be quite rewarding – if you do it right you can make a million dollars in a few hours. The thing that keeps most of us stealing is that it takes balls – if you get caught you will most probably spend a lot of time in jail. If you are planning to start stealing as you number 1 career choice then listen to these words of wisdom: Don’t bother with the small stuff. Stealing small amounts multiple times is the worst thing you can do – it means minimum rewards with maximum chance of getting caught. Just look at my post about pickpockets and you’ll get the idea about what not to do.

    2. Become a Professional

    If you are looking for something more traditional you should take the obvious way of getting rich – hard work. You’re not going to get rich working an average job however.  It takes time, charisma, skill, and education to land a high paying job.  If you can commit to higher education, then earning big money as a professional may be in your future.  On this path to riches, you definitely get back what you put in. The only thing you need to keep in mind is that it can take a whole lifetime before you get where you want to be.

    3. Turn Hobby into Business

    It may surprise you to find out how many million dollar businesses started as a hobby.  With a good idea, some skills, and a little ambition, the thing you love the most can be bringing in the dough.  This can be something as simple as a craft, running a specialty food cart, or even making a website about your favorite topics.

    4. Start A Website

    Speaking of websites, if you haven’t noticed, blogging is HUGE.  With the explosion of blogs comes the ability to capitalize off of a well written one.  To make money with a website you either have to sell a product or receive revenue from advertisements placed on your site.  Many webmasters choose to do both.  If you identify a paying niche and do the necessary research you could have a site up with little to no out of pocket costs.  Getting rich will require a lot of trial and error, like any other business.  For wannabe webmasters there are tons of tools that even the most computer illiterate can use to publish their very own page. During the years I have made a few thousand dollars with my website Financial Jesus. Each month I make a few hundred bucks and I am pretty sure that if I wanted I could make a full time income off of blogging. To see how much I made in 2010 and where the money came from – take a look at my post about My total blog income in 2009.

    5. Play the Stock Market

    Even in tough economic times, there is money to be made in the stock market.  Trading stocks is a simple way to get rich, not fast but simple.  The idea is to purchase a stock when it is at a low value and then sell when that value goes up.  Simple concept, but takes time and discipline to make it into millions.  A significant amount of research is needed in order to make solid decisions instead of buying and hoping for luck to bring in the dividends.  With the decline of stable social security and retirement plans in the American economy, many younger people are taking investment into their own hands.  With that comes more user-friendly trading sites and plenty of internet articles about the market.  Beware of the get rich quick scams though, in this area there are plenty of them.

    6. Marry Money

    Got a ton of charisma but don’t want to work for your money, then marry rich!  Sure gold diggers have a bad reputation, but marrying someone of high social status is nothing new.  The modern approach involves matchmakers that specialize in introducing millionaires to their perfect match, that could be you!

    This also works the other way around – take a look at my article about how the right woman can make you rich.

    7. Write a book

    Sure almost everyone thinks they have a great idea for a book, tv show, or movie.  Not many have the imagination, skill, determination, and luck to make it a reality.  Even fewer of those ever make any real money.  However, the silver lining is that with the ease of publishing books and movies online the real talent doesn’t get lost in a sea of rejection letters.  Don’t want to write a book?  No problem, you can also get rich by writing a screenplay or even a movie.

    8. Gamble

    You’ve seen it on the news and in movies, the bright lights of a casino, or the screams of a lottery winner.  Winning money can be the most thrilling way to become rich.  Ways to gamble vary greatly, there are traditional casino games, sports betting, and also other lottery style games.  For those who want to practice their skills in the comfort of their own home, online casinos exist.  Games can even be played for free to build up skill before hitting the high roller table in Vegas.

    .

    9. Buy Real Estate

    Another traditional way to become rich is investing in real estate.  Though news of falling property values make would be investors nervous, many recognize this as an opportunity to make millions.  There will always be good deals in real estate.  With some knowledge, capital, and sweat equity, there is still millions to be made.

    10. Become a Street Entertainer

    Might sound funny at first, but consider this; if you want to make it in the entertainment business you need to be able to perform in from of ANYBODY.  Recording demos and networking is fine for some, but there comes a time when you just have to get out and do it.  With the popularity of sites like youtube, street performers are being discovered around the world.  Point is, you never know who is watching.

    SUMBER = http://www.financialjesus.com

    11 WAY TO MARKET YOURSELF AT WORK PALACE AND INCREASE YOUR SALARY

    Whether you realize it or not,  everyday at your job is an opportunity to “market” yourself to your colleagues, superiors, clients and others. Frequently, and I know I do this myself, we can get in a rut working in the same office environment day in and day out, and it is hard to stay or even sometimes get motivated to “stand out”. But by understanding that the way you present and handle yourself in the workplace is what defines the type of worker people see you as and taking little steps to present yourself as a serious, confident, and capable worker and leader, you will increase your opportunities in the future for promotion and a higher salary.

    Don’t be a clock puncher- Even if you don’t pay attention to when people come to work and when they leave, rest assured someone, probably one of your superiors, does.  Arriving at work 5 or 10 minutes late everyday and leaving 5 or 10 minutes early tells those around you that you don’t take your job all that seriously. By coming in just a few minutes early, and not running for the door at 4:55 p.m., but staying 10 or 15 minutes later, you will become someone who cares about getting work done and not ready to “fly out the door” when 5:00 p.m. comes.

    Take responsibility-don’t play the “blame game”- If you make a mistake with something, own up to it, be honest, and move on.  Everyone makes mistakes. Be honest when you “screw up”, and learn from the experience.

    Don’t be a “yes man”- Don’t be afraid to speak your mind or give your opinion when you are asked by others.  You will be respected for your honesty.

    Don’t rock the boat, either.- On the other end of the spectrum, however, you also do not want to be known as a complainer or a pessimist, always disagreeing with others and the way the may be donig things.  There is a differnece between constructive criticism and plain old criticism.

    Network relentlessly-Even if you are a shy person, it is to your benefit to meet and talk with as many people as possible within your company and professional field.  You never know when an opportunity for yourself or your company is going to present itself just because you decided to be friendly with someone and talk with them. Make it a habit yo seek out new people and develop relationships with them.

    Be a self starter- Don’t waste time thinking how you are going to start a project, just go ahead and
    start it.  If you waste too much time pontificating different approaches or thinking about something instead of actually doing it, you will set yourself up for trouble.  Start a task right away, and seek feedback on your approach or results.

    Use your strengths, but work on improving your weaknesses.- Are you not so good at managing people but proficient technically?  Then shine with your technical ability, while working to improve your management skills.

    Keep a list of your accomplishments, accolades, etc.- Be ready when review time comes, and don’t be
    afraid to toot your own horn.  Your boss may have forgotten how well you completed that project back in February,
    as he probably has other things on his mind while he is doing your performance review. (possibly even his own review with his boss).

    Delegate to Others- Just because you can do something yourself doesn’t mean you always should.  A good leader knows what to delegate, when to delegate, and who to delegate tasks to.

    Assist others, within reasonable limits, whenever possible. Don’t let your work suffer as a result, however. No when to say “no”.

    Dress for Sucess- This doesn’t have to cost a lot of money, but dressing nice and keeping your appearance clean and neat helps you promote a professional image.

    10 Ways to Save Time- Which Can Help You Save and Make Money

    There are never enough hours in the day, or at least that’s how the saying goes. I don’t know about you, but the older I get, it really does seem like time goes by faster as well. It seems like summer just started, and here we are at the beginning of fall.

    The sad fact of the matter is, if we want more time in our day to devote to saving money by comparison shopping, looking for great deals, or even better, making more money, we have to get things done in a more efficient manner as well as eliminate some of the “time sucks” from our lives. I have been trying hard lately to free up more time to spend money wisely, make more money, and spend with my family. By getting things done, so to speak, in a timely fashion, i no longer have to sacrifice my family time, or resort to convenience shopping or purchases at the last minute. This applies to both work and chores or activities around the house, as well.

    Here are some ways to free up more time out of your day as well as work more efficiently and effectively. Time is money, after all!

    Create More Time

    1. Turn off the television- I really used to enjoy “vegging out” in front of the TV at night after the kids go to bed. After all, everyone needs a little down time, right? Lately though, I have been doing writing for this blog, reading, and other activities.

    2. Get your news on the go- I am a big fan of the newspaper, I have been a daily reader since I was a teenager and feel strange if I do not skim the whole paper on a daily basis. Do I learn anything new? Probably nothing I do not hear on the radio or read elsewhere on the internet. In fact, most of the news is probably “yesterday’s news” by the time I read it in the paper. Lately, I have been skimming certain areas of the paper (mostly local info., and the money section, of course) and saving a little time by not reading the whole paper every day.

    3. Listen to audio books/podcasts- Recently, due to receiving an MP3 player as a gift, I have begun to download podcasts to listen to while I am driving, waiting, or sometimes even while working. I have even experimented with a few audiobooks, and although the results are mixed as far as I am concerned-because I don’t always have time on a regular basis to listen to a whole book.

    4. Bring your lunch to work- Instead of taking an hour every day to go out to lunch, save time and money by bringing your luch to work. It’s pretty easy to eat in 15 to 20 minutes at your desk, and you can run errands or do other things (including work) with the remainder of your lunch hour.

    Manage your time more effectively

    5. Time yourself- Learn to do things more efficiently. Time yourself, and give yourself “deadlines” to complete tasks. By setting time based goals, you will get things done quicker and more efficiently.

    6. Create lists- While I am not a strict follower of the Getting Things Done system, a simple “To-Do List” created on your computer, a piece of paper, or a small notebook can help you keep track of things that need to be done, so you are not scrambling later.

    7. Avoid time wasters- Everyone has there own “time wasters”, or things we do instead of doing something productive. Whether it is that morning lap around the office to chit-chat with everyone at work, or things you do at home which have become a habit but aren’t really accomplishing anything, try to identify and eliminate them and get more meaningful things done. Time wasters can be people, too. It could be a co-worker or even a neighbor. This doesn’t mean you have to be rude and short with them, just realize that they could be cutting in to time you could be doing other things.

    8. Do the unpleasant or difficult tasks first- Get the one task you keep putting off on a daily basis or the most important task done first, and follow up with the easier ones after. This keeps you from doing a lot of inconsequential tasks first that probably could be put off, and having to steal time from elsewhere to get the important things done later.

    9. Fight procrastination- When you find yourself drifting off or getting distracted, or you are procrastinating starting something, fight it and get started. The sooner you can get something started and eventually finished, the more free time you will end up having.

    10. Schedule your day- While I am not super strict with my daily schedule, as my career progresses and I find my free time that is not consumed by meetings becoming less and less, I find scheduling my own time allows me to accomplish things in a timely fashion, allowing me more time when a “crisis” needs my attention.


    30 Ways To Save on Your Grocery Shopping and Food Bill

    Gas prices are have gone through the roof over the last few weeks, and food prices are rising as well. Sam’s Club and even Costco are talking about rationing rice. There are quite a few ways to save money on gas while driving; here are 30 ways to cut your food bill and associated grocery shopping costs as well.

    Your Eating Habits and at Home

    Grow Your Own- No, that’s not what I mean ;) . Grow your own vegetables and herbs (which are quite expensive if you go by weight), and fruit if you live in a place you are able to. Don’t have a big yard? Try building a square foot garden.

    Drink less milk, soft drinks, and alcohol- You don’t have to stop drinking any of these, but try cutting back a little. Your waistline will thank you as well as your wallet.

    Go Fishing!-If you live near water, try to catch your dinner. This can be a great activity to do with kids as well.

    Try meatless meals- Cut meat out of your dinner lunch or dinner menu several times a week.

    Eat breakfast for dinner- Make omelettes for the family one night during the week and serve everyone for a few dollars.

    Skip a meal on the weekends- Have a large breakfast on the weekends, then have an early dinner, and skip lunch. It won’t hurt most of us.

    Plan your meals carefully- Plan out your dinner menu ahead of time, and include the leftovers, if any, in your planning.

    Plan your meals based on what’s on sale- Check out the ads for your local grocery stores before you plan your menu to incorporate the sale items.

    Eat less junk food- Cut back on salty and sugary snacks, switch to fruits, vegetables, and other healthy alternatives, which are usually cheaper.

    Don’t waste food- Keep an eye on your perishables, and if you find yourself throwing out food, cut back on how much you buy or freeze things before they go bad.

    Experiment with simple or exotic cooking- Buy a cookbook or two, and look for easy, simple meals which don’t cost much or have a lot of ingredients. Experiment with foods from other cultures, which frequently don’t use as much meat as we do here in the U.S. either.

    Don’t use the vending machines- The cost of items in vending machines is usually 2 to 3x as much as you can get it yourself.

    Bring your lunch to work- Brown bag it to work or bring leftovers. This can cut down on wasting food as well. Bring your own drinks from home, or drink water.

    Split entrees with your spouse or significant other- When eating out, try splitting an entree. Many restaurant’s portions are so big, you end up with leftovers.

    Buy a freezer- Investing in a freezer can allow you to freeze things before they spoil, batch cook for future meals, and stock up on perishables such as meat and chicken when there is a good sale.

    Before Shopping and At the Store

    Make a list- Make a list based on what you need, and stick to it. You will spend less money by doing this.

    Buy in bulk- Anything that won’t spoil before you use, buy in bulk. Be sure to check the unit pricing, but 9 times out of 10 it will be cheaper to buy in bulk. If you can’t use it all when buying in bulk, try to split it with a family member or friend.

    Buy what’s in season & local- This applies especially to fruits and vegetables, but can apply to seafood and other items as well, depending on where you live.

    Shop the sales- Check out the weekly flyers for the best deals, and shop around if you don’t have to drive too far out of the way.

    Buy whole cuts of meat- Buying a whole chicken or larger cuts of beef or pork are normally cheaper than individual cuts and smaller packages.

    Don’t buy non-grocery items at the grocery store- Save your non-grocery purchases for trips to Walmart or the pharmacy, or other discount store. The markup on these items is usually high at grocery stores.

    If you don’t clip coupons start- If you don’t clip coupons, start. By combining them with items on sale, you can get the most bang for your buck. Don’t use them for items you wouldn’t normally buy, however.

    Search the net for coupons too-Search the Internet for online coupons at places like smartsource.com, as well as the myriad of grocery coupon sites.

    Try generic or store brands- These are frequently quite a bit cheaper than name brands, and often taste just as good. Experiment with them to make sure you like them.

    Stock up on sales- When you see a really good sale, stock up on that item for future use. Be sure you are going to use it all, of course.

    Look for mark-downs- Check out the meat department for markdowns, where they lower the price on meat (and sometimes other items like dairy) when it is getting close to its “sell by” date.

    Don’t go shopping hungry- We have all heard this one before, but it is true. You are more likely to buy more if you go food shopping hungry.

    Don’t bring the kids-Kids are always going to want something, whether it is a toy, candy, or spider-man popsicles. This will keep you from buying things that aren’t on the list. (Spider-man popsicles are usually on my list though)

    Watch the register- Keep an eye on the register while your groceries are being rung up to make sure you are getting the right price on the things you buy.

    Check your receipt-Take a quick look at your receipt to make sure you didn’t get overcharge or double charged, or the store didn’t forget to put something in your basket.

    What are your best tips for saving money on food and grocery shopping?

    30 Ways To Stretch and Maximize Your Money

    At Home

    1. Insulate your hot water heater, & keep it on the lowest temperature you can get by with.  Also, if you leave for the weekend, turn it on the vacation setting.
    2. If you don’t have a programmable thermostat for your A/C or heating, try to keep it off as much as possible. Open your windows in the spring and fall.
    3. Get rid of your land line, and go with VOIP, or use your cell phone.
    4. Examine your cable subscription, and try to cut any unnecessary packages, channels, etc. Better yet, get rid of your cable or satellite TV.
    5. Only wash full loads in your washing machine. Consider using a clothesline to dry. If you use your dryer, set the time for the minimum you think it will take to dry.  If you run your dryer for 10 to 15 minutes longer than you need to, the wasted energy (and cost) will add up over the course of a year.
    6. Consider making your own laundry detergent.
    7. Plan out your meals weekly, incorporating leftovers to save time and money. Or, batch cook for the whole week on the weekend.

    Car

    1. Change your own oil.
    2. Do your own car maintenance up to a point you feel comfortable. At a minimum, learn to do the things a Quick- Lube place will charge you 3x as much for, such as replacing windshield wipers or your air filter, which are quite simple.
    3. Keep up with vehicle’s regular maintenance schedule. Your car will last longer, and you will avoid turning minor things into larger, more expensive problems.
    4. Take public transportation, ride a bike, or walk.

    Shopping/Spending

    1. Use coupons, shop the sale ads, and buy generics for grocery items. By combining all three, you can get the most for your $.
    2. Sign up for rewards cards/customer appreciation cards at every place you shop.
    3. Sign up for Upromise, Ebates , and Fatcash. Make money when you spend money.
    4. Plan ahead for birthdays, anniversaries, and especially Christmas gifts.
    5. Search the Internet for deals, sales, and coupons.

    Work

    1. Bring your lunch to work.
    2. Consider carpooling or taking public transportation.
    3. While its good to be sociable, don’t feel like you have to go out every week for drinks or other social events with your co-workers.
    4. Market yourself at work.

    Entertainment

    1. Use the library.
    2. Take advantage of free events in your town or city.
    3. Plan a picnic.
    4. For your next vacation, go camping.
    5. Cancel your gym membership and start exercising at home or outside (Biking, walking, running, etc.).

    Create Cash or Increase Your Income

    1. Hold a garage sale.
    2. Sell items your no longer use on Ebay or Craigslist.
    3. Work overtime at your job if available. Ask if it is available and volunteer to work overtime.
    4. Moonlight/Get a part-time job.
    5. Turn a hobby into an income producing skill.

    25 Smart Budget and Money Saving Tips for College Students

    Whether you are a new, incoming freshman, or a returning college student, you are probably gearing up for the new semester. Learning smart money management and how to reduce your expenditures now can help you establish a solid foundation for your future. Here are 25 tips on saving money, budgeting, and money management for college students.

    Live like a college student

    -You are a college student, so live like one. Don’t try to live the lifestyle of a graduate with a job yet.

    Remind yourself why you are there

    -You are there for an education first and foremost. Don’t blow the opportunity by neglecting your studies, over socializing, or getting into financial trouble.

    Set a budget for your spending categories, besides tuition and books

    -Food, Rent, Entertainment, etc.

    Buy used books

    -You will probably find much better prices at amazon.com than at the college book store, even on used books. Avoid buying new ones if possible.

    Hit the happy hour

    - Look for places with 2 for 1 drinks or free appetizers when you do go out on the town.

    Socialize at dorm/apartments

    -You don’t always have to go out, invite friends over to your dorm or apartment regularly to save money.

    Use a local bank and debit card

    -If there is not a nearby branch of your bank, open up one that has a branch on or near campus to make things more convenient.

    High interest savings

    -If you have a little money stashed away, open up a high interest savings account.

    Budget you spending money for entire semester

    -At the beginning of the semester, figure out what you have available for spending money each week, and stick to it.

    Consider a part-time job

    - As long as it doesn’t interfere with your studies, of course. An added bonus, if you have earned income, is that you can start a Roth IRA.

    Learn to cook

    -If you don’t know how to cook, start learning. It can be healthier and even cheaper than fast food.

    Used furniture

    -Check out the classifieds or garage sales for used furniture to furnish your apartment.

    Shop at Goodwill

    -Check out the local thrift stores for clothes and other household furnishings.

    Manage your student loans carefully

    - Don’t over borrow, and if you end up borrowing more money than you need, save it in a high interest savings account.

    Don’t try to keep up with the big spenders

    -While some of your friends may be living off of Mom or Dad’s credit cards, that doesn’t mean you have to keep up with their lifestyle.

    Don’t sign up for the credit card t-shirt offers

    -It may be a free ipod they’re giving away these days, but don’t sign up for credit cards just for the freebies. It may end up costing you a lot more in the long run.

    Take advantage of free or cheap activities

    -Many college campuses have a lot of student activities, most of which are free or very cheap.

    Avoid ATM fees

    -make sure you plan ahead for expenses, and have enough cash for purchases. Or use your debit card.

    Get on a campus meal plan

    -If one is available, a meal plan on campus can be very inexpensive per meal.

    Don’t use or bring a car to school

    - If you are away from home for college, and live on or near campus, you probably don’t need a car. This will also keep your friends from using you as a taxi service.

    Bicycle

    -Get a bike, and ride it to and from class.

    Apply for scholarships and grants

    -Even after you start school, keep applying for scholarships, grants, etc.

    Live close to campus

    -The closer you live to campus, the less you will need to drive. Many college campuses have plenty of nearby places within walking distance for shopping, socializing, etc.

    Get roommates

    -Sharing your living expenses with others can reduce them significantly.

    Take advantage of student discounts

    - There are lots of places that will give you a discount with your student I.D. Look for and frequent places that cater to college students and offer discounts or freebies.

    Do You Think Like A Rich Person?

    The following is a guest post from Trisha Wagner who writes at Destroy Debt.

    If you are not wealthy you may have a distorted mental picture of wealthy people and how they live. Granted people who have achieved millionaire or beyond status are in a better position to enjoy the many perks in life that having money provides, however there are many wealthy people mingling among the rest of us commoners. What makes them different? How did they achieve financial success? Money is not the only thing that separates the wealthy from the middle class or poor. If you want to achieve real financial stability and build wealth you should ask yourself if you think like a rich person?

    Do You Have The Discipline?

    The media is largely responsible for bringing images into our lives each day portraying celebrities jetting off to sunny beaches or spending their day shopping and getting beauty treatments. Actors and musicians are not the only people in the world who are wealthy and for the average person building wealth will require significant discipline and sacrifice along the journey. If you waiting for your “big break” to find instant wealth you may find yourself waiting a long time.

    Do You See The Big Picture?

    In reality eighty percent of American millionaires are first generation millionaires, which means they did not receive an inheritance from which to grow their wealth. They live well below their means, do not drive the current model-year car and live in homes valued well below one million dollars. They are generally well educated and fastidious investors, investing on average twenty percent of their annual income. Most are self employed entrepreneurs or self employed professionals. In other words you do not have to be born rich to become rich. Living in a huge home, driving dozens of cars and wearing expensive clothes should not be the only indication of wealth. Many millionaires work over forty hours a week and look like the rest of us. What the choose to do with the money they make is the real difference between the classes.

    Can You Look Long Term?

    Amassing wealth for most people will not happen overnight. To get started you will have to think long-term about your financial life. This should include determining where you want to be (and how much you want to be worth) ten and twenty years from now. Don’t just think about it, or dream about it, instead write it down. In order to reach these goals you have to a clear idea of where you want to be and how you are going to get there. Successful people think of their long term goals and adjust their daily behavior to achieve them. This will involve overcoming the immediate gratification attitude which is common in our society. You will not get rich by spending every dollar you make or worse spending money (credit cards) that you have yet to make.

    6 Key Tips for Starting a Part-Time Business

    With the advent of the cell phone, computer, and internet, anyone can start a small, part-time business these days. You can get a website or blog up and running in a matter of days, provide services over the internet, or sell a product or item all over the world on eBay. You can also go old-school and sell products, services, or knowledge in your local community. Starting a part-time side business can be a great way to supplement your current income, dip your toes into entrepreneurship, or to begin your journey towards becoming self-employed. Whether you are entering the field of e-commerce, moonlighting at what you do during your day job, selling on eBay, performing website design, or mowing lawns in your home town, there are several keys which can greatly increase your chances of creating a lasting, enjoyable, and profitable business.

    Do something you are passionate about or at least enjoy

    What are you really passionate about? Do you have hobbies? Can you turn them into a money making opportunity? Even if you are not passionate about something, you have to at least enjoy it enough to be willing to trade your time and energy for the money it provides. I know several guys who mow a few lawns on the weekends for extra spending cash even though they have full time jobs that pay them pretty well. Why do they do it? Because they actually enjoy it, to some degree, getting outside and getting a little exercise-or at least enjoy it enough for the money they make doing it.

    Don’t wait for the perfect time

    The perfect time will always be sometime in the future. Go ahead and start now. You will never have enough time if you wait until next year, or until your kids are a little older, or until you finish up that big project at work. A lot of people become successful at a business by just starting and working at it.

    Create a plan

    Starting a business or part time venture without a plan is akin to taking a long trip without a map (or I guess a GPS unit in this day and age). How many hours a week do you want to work? How much money do you want to make per month? What are your goals 6 months, 1 year, and 5 years down the road? These questions, and ones like them, need to be answered to provide you guidance with your venture.

    Be prepared to work

    Lofty goals are nice, but don’t expect to make a lot of money without putting in long hours and hard work. It can happen, but it doesn’t happen enough for it to be very likely. The majority of the time, being successful is directly related to the amount of time and energy you put in to a project.

    Start small but think big

    Starting small is great, you can start off working part-time, at your convenience. But don’t forget to think big. If you want to expand your part-time venture into a full-time one, you have to set goals with the big picture in mind. When the amount of work gets too much for you to handle by yourself, consider bring in another person or part-time help to assist you.

    Don’t Forget to Market

    No matter how small your business or service is, or how good or useful it is, you still need to market it to others. Make up business cards, print flyers, use word of mouth, or the internet to tell others about your business. Ever notice how much large, established companies market with commercials, ads, etc? There is a reason for it.

    Top 10 Reasons Why Your Business Could Fail Without Online Marketing

    Online marketing is no doubt the most effective way to reach people. Its capability to earn millions is unquestioned.

    Perhaps, this is one of the most momentous discoveries of mankind. The internet has brought about a lot of changes in the world. It allowed us reach the unreachable; it permitted us to communicate with the people around the globe without spending much money.

    These are also the reason why people nowadays are investing in online marketing for their businesses…because beyond a doubt, online marketing will work for them.

    We do have a lot of options to choose from when it comes to advertising. In fact, we have the television, radios, print media and all. However, onlinemarketing still belongs at the top of the list for many reasons.

    First, people prefer online marketing because it reaches the whole world. Your supposedly very small business may become very large almost overnight because of the magic of using online marketing because everyone in this world can literally see what you offer.

    Second, you reach the world and get millions without having to pay millions in return. The cost of online marketing compared to other forms of media is very efficient and cost effective. Let’s say you use print media. If you are going to make a flyer and advertise it over the world, how much would it cost you? If you were to pay for TV advertisement, you would definitely have to pay for every single second that your business is aired.

    Third, online marketing creates a two-way communication process. We do not simply promote what we have. Hence, we get to know what our visitors or what our customers think through the ”Comments” box on our web pages. By doing so, we get to know what they want and we are able to improve our products and services.

    Next, it is also very important that we build relationship with our customers. Yes, we may have benefited from them but we should always find ways to keep them coming back to our place of business or at least our website. With onlinemarketing, we are able to do this because we can become interactive with them, thus, making our customers feel that they are valued.

    Fifth, in business, we always have to budget our resources. Unlike in other forms of media, we save a lot of money with online marketing because we will no longer need to keep sending letters, flyers or postcards every time we want to contact our customers or offer a promotion. In fact, the current trend is to only mail your customer information if they need additional resources or information about your business. For advertisements in newspapers and magazines, you have to pay for every inch of space, and even every color used in the design your ad. With online marketing, it is always cost-effective.

    The sixth reason why people have shifted to online marketing is its flexibility. For example, let’s say there has been a change in the benefits or features of your product or service, or even a change in your prices. Well, you’ll have to hire someone to redesign your ad, reprint it and send it out again…and that cost moremoney. But with online marketing, you can easily update your site and make the changes without removing money from your wallet. Does it sound great? Yes, it does.

    Well, are you getting the picture on why there is a craze with online marketing? Here’s more.

    Another reason a business should prefer online marketing is because you have a lot of media choices when promoting your business. You can opt to show videos, photo presentations, audio, blogs or even social media. There is nothing really hard about this type of strategy. It will definitely save you more time and of course, resources.

    Moreover, you can monitor what is going on with your business. Through the use of tracking, you have the chance to see the traffic generated by your site. With this feature of onlinemarketing , you get to know what else you can do to tweak and improve your site because you see what keywords prospects are choosing to find you and incorporate more of those into your website.

    Online marketing is also an extremely effective type of advertising because you can design your website the way you want it. You have the power to add features in it, to create a web design that would attract visitors and make them stop on your web page and take a look at what you have. The best thing about it is that, you can do the changes anytime you want without worrying about your expenses. By controlling the design, more and more people will be attracted to your site and you will be able to create an amazing impression on them.

    Lastly, people go crazy about online marketing is because it is beneficial not just for businesses but for the consumers as well. Why? Simply because it makes everything much more convenient. The consumers need not go out of their house anymore and search around the city to look for what they want. With just a click, they can have it. And another thing is that the communication between the buyer and consumer is immediate. Response is very fast and that is why transactions are almost immediate.

    So there we have it. These ten reasons explain why online marketing has become the number one source of advertising today. You need not have a second thought anymore. All you have to do is close your eyes and dream of howmoney can be made when you invest your money in online marketing.

    The Top 10 Reasons Your Online Marketing Fails

    If you are in the field of online business you must have heard of online marketing. Internet marketing, online marketing, e-marketing and web marketing are just the same terms to describe the use of the internet in marketing and promoting your products, services or business. In recent years, online marketing has provided global consumers a higher distribution of information. With today’s increased competition, you must possess the skills and capabilities to attain success. Every success story entails hardships, ups and down, but it’s up to you to learn how to avoid the pitfalls with onlinemarketing. That’s why we are going to discuss the top ten reasons online marketing fails.

    Reason #1: The lack of effort and time needed to learn new information about online marketing.

    To reach the success you are aspiring to obtain, you must spend adequate efforts and time learning what can lead you to it. Get as much as new onlinemarketing information you can and take time to study them before you use of them for your company’s growth. The more knowledge and experience you can possess, the quicker you will reach your goals. Often the best onlinemarketing techniques will come to you suddenly, but evolves out of all the information you might know. Do not let your business be deserted by others, make it stand out by utilizing new onlinemarketing strategies. Wide varieties of new information are available throughout the web; just encode an online marketing in Google and you will find what you are looking for. Never stop craving for more and new information, techniques, or techniques about onlinemarketing for you will never grow personally or financially if you are not learning something new.

    Reason #2: Similarity with other online business websites.

    To increase customer’s interest, your website must be different from other online business web pages. Visitors get easily bored if they browse and always see the same products, content, and pictures. In order for your online marketing to be successful, you should make your website distinguished from your other competitors. Always make use of unique online marketing ideas when creating your web pages, for it will matter a tremendous amount when trying to attract more potential customers.

    Reason #3: Your website is confusing and inconvenient for visitors.

    One of the reasons for using online marketing is to promote your products or services to your target audience on the internet. Having too many products, pictures, links, etc. in your web pages can cause confusion and a confused mind will take no action; thereby leaving you without the number of customers that you could and should attract with your onlinemarketing efforts. Try to be simple and focus on a particular product or service with your website. Making sure your other products are in the background of the main product or service you would like to promote. A long navigation system will make people get tired of finding what they want and can cause them to prefer other convenient sites.

    Reason #4: Your website is just a sales presentation.

    Increasing your sales may result from online marketing, but you must not totally focus on sales alone. Online marketing will benefit you if you provide useful information about your business within your website and attract more potential and actual customers to purchase your products.or services. Most of the time sales do not arise from the first visit, so make use of your onlinemarketing techniques such as providing free information, tips or newsletters to give visitors a reason to come back to visit your website.

    Reason #5: Failure to set specific demographic targets.

    With online marketing, setting a specific demographic target is very important because you will be more focused on what type of customers you want and what you must do to attract them. Failure to settle the target will increase the risk of failure when promoting your products, services or business; moreover you will not gain the full benefits of onlinemarketing when it comes to increasing your sales and growing your business.

    Reason #6: Unsecured ordering pages.

    Security for any type of investment matters for almost everybody. Unsecured ordering pages will greatly cause your business to lose sales which contradicts the goals of effective onlinemarketing. Numerous free secure ordering forms are made available on the internet, so this should never be an issue.

    Reason #7: A lack of back links to your website as a useful strategy in effective online marketing.

    Providing links leading back to your website from a high ranking web page will also give your site a high rank. Linking is the key to success in having your website found on the major search engines and will bring traffic to your website; therefore, increasing you number of potential and actual customers.

    Reason #8: Lack of perseverance.

    Most businesses fail online due to lack of persistence and giving up too soon. Online marketing will take a lot of time to fully succeed. It could even entail years to become a major player and to develop strong customer relationships, build partnerships and see financial rewards.

    Reason #9: Insufficient follow-up.

    Within any business following up with a prospect or customer is very important because it will provide you with more of the same types of results that your business desperately needs to grow. Onlinemarketing often fails because many companies fall short in following up with its online visitors; thereby, stunting the growth of brand awareness.

    Reason #10: No promoting your website.

    Increasing the consumer awareness of your online business can leverage your success. Several online marketing elements and strategies can be used to promote your website, increase traffic and attract more customers. If you lack the funds to pay for promotions, you can use many free ways of advertising your business awareness online such as participating in forums, chats and submitting free links to search engines.

    You will need all the help you can to survive in this competitive marketplace, so make use of the online resources you have to gain greater success with onlinemarketing and learn from these failures. Prepare yourself properly and get ready to do what you must due because the success of your business online is in direct proportion to your knowledge gained from other’s mistakes.

    7 PRINCIPLES FOR BUSINESS

    by:John Mehrmann

    Document the definitions for your business, organization, or your role in the organization. If you can document it, you can share it. With defined and aligned goals and purpose, individuals within an organization are empowered for personal success. The following seven principles may seem simple and obvious, as they should. However, would your definitions be aligned with everyone else in your organization or your customers?

    1. Value

    Business exists because it serves a purpose. That seems a little obvious doesn’t it? The purpose is to serve customers, because your customers are the source of your revenue. It does not matter if you are manufacturing, producing, supplying, providing a service or support role. Every organization, position, job and career exists to meet the needs of it’s customers or clients. Your value is the product or service that you provide to your customers.

    Define your value, “what you do”.

    2. Customers

    With a very clear understanding of “what you do”, it should be very easy to name your customers. These are the people that you do it for, the people and organizations who have endorsed your products or services by electing to invest in them by a purchase, agreement or contract. Your current customers are your shareholders, because they have already invested in your product or services. It is very important to understand how your current customers perceive your value.

    Name your customers and try to recognize how they measure your value.

    3. Differentiation

    Every business operates in a competitive landscape. All customers and organizations have a limited budget and must carefully select the goods and services that best meet their needs. Products and services may be chosen by style, quality, reliability, proximity, familiarity or relationship. Cars, restaurants, clothing, beauty salons, contractors and vendors are excellent examples of competitive landscapes. Once you truly understand your current customers and the reasons that they invested in your value, then you should be able to identify your competitive advantage.

    List your competitive advantages and how your customers differentiate your products or services today.

    4. Strategy

    Understanding your current customers and product differentiation is important to maintain the current business. However, the environment and culture in which your current business exists is subject to change. It is necessary to monitor changes in the environment, competition and customer demands. Forecast anticipated opportunities and design shared strategic goals that are communicated within the organization. It is very important that existing roles and new program development are aligned with the shared strategic goals, even as the day-to-day tactical plans are modified for the current environment. Goals should support existing customers as well as the desired target customers.

    Define three strategic goals that support the current business and the desired future target competitive advantage.

    5. Organization

    Business organization is based on structure. This includes the structure of the resources, manpower and materials. A structured organization relies on processes for consistent and organized performance, expediting response and improving efficiency. Modular organizations allow for flexibility and adaptability to changing environments, requests or customer needs.

    Create a map of the current organization and define the primary resources necessary to achieve your strategic goals.

    6. Profit

    It is expected that the business exists with the intent to be profitable. However, many individuals within organizations do not fully appreciate the significant impact of their personal roles and decisions in relation to company profit. Speed and efficiency can impact profitability. Discounts, terms, purchases and deductions have significant impact on profitability. Time to market, time to service, number or resources and excess material goods can impact profitability.

    Define the individual roles, responsibilities and decision making authority in terms of profitability. Do not only focus on the impact of spending, but also on the impact of customer loyalty and generating revenue. Every action has a reaction. Calculate the positive and negative financial reaction to individual actions.

    7. Control

    In the words of Benjamin Franklin, “A penny saved is a penny earned.” Maintaining measurable controls of processes, resources and programs empowers accurate and decisive decision making processes. Control requires measurement. Measurement can be based on numbers, dollars, dates, percentages or similar METRICS. Controls can not be based on feelings, perceptions or concepts.

    Measure, monitor and chart your controls to determine if your current value meets existing customer requirements and is aligned with strategic goals. If you can accurately correlate profit and performance with customer competitive advantage, and align the existing organization with company value, then you have designed a robust personal blueprint for success. If you can do this on paper, not just in your mind, then you can share this blueprint and empower the organization.

    10 TIPS THAT WILL INCREASE YOUR SALES

    by:Jeff Hardesty

    It’s good to possess great cold calling skills, but it’s great not to have to use them.

    Tip # 1

    Discipline Yourself to a Routine of ‘Asking’

    Here’s something profound. The reason most of us do not get referrals on a routine basis is because we do not ask for them on a routine basis. Well, it’s almost that simple. What would be the upside on your year-end W-2 if you asked for 2 referrals from each of your new customers? Let’s say you average 6 sales per month. That would be 12 referrals per month or 144 per year. Conservatively, you close half of those warm leads. Multiply 72 by your average revenue per sale. Then calculate your commission percentage off the total revenue sold. Now ask yourself if you can afford not to ask for referrals on a routine basis.

    Tip # 2

    Develop a process to ‘Set the Stage’

    Asking for a referral is one thing, but how many times do you actually get one? Execute a Powerful Routine after you sign up a new customer, and request permission for 3 additional minutes to get their professional feedback. Ask a series of questions soliciting their opinion on ways you can be more effective with your sales process, from initial contact to point of sale, with individuals in the same industry and parallel titles. You are now setting the stage for your future success. Over time, your contacts will give you a free ‘Masters Degree.’

    Remember to ‘Pack your bags, but set the stage.’

    Tip # 3

    Communicate to a “Win-Win” Agreement

    Be honest and sincere in reference to the importance of referrals for running your business effectively. Tell your story. If you have a high referral ratio let them know that and why it is high. Customers respect a good businessperson more than a good salesperson. Try to pick a time when the contact would feel comfortable giving a referral to help yourbusiness . That may not be at the point of sale, but upon service implementation or some time in the future when you have proved you delivered what you promised. The important point is you must define with the contact when it can happen or what criteria need to be met for it to happen.

    Tip # 4

    Follow through in order to receive a consistently high ratio of referrals.

    You may not ask for a referral until (a) the service has been implemented and (b) the customer is satisfied. But as described in Tip #3, you want to minimally set a referral foundation at the point of sale and receive a commitment to when you’ll receive one. Now, this is very important. Always write in your day timer in front of the contact when the expectation is set, and let them know you are making note of it. Treat it like an appointment for your future success. It’s foundbusiness and will afford you a higher closing ratio, shorter sales cycle and most importantly, more referrals! So, follow-up and get it!

    Tip # 5

    Develop a Referral Program

    Be creative. Give up some money. Maybe it’s a gift certificate to a local restaurant (hopefully a customer) or a graduated percent off of their next invoice. An entrepreneurial mind will come up with a few flexible programs that fit your level of buyer. After all, you’re not putting anything out until the referral is sold. The old saying, “money makes money” is still true. Beside the tax right off (check with your accountant), contacts absolutely enjoy getting a little something. Measure the ROI and the benefit will be evident.

    Tip # 6

    Become the Messenger

    Be sure to give the referral gifts out promptly on sold referrals. Deliver it in person, since it also serves as an excellent time to prime the pump for additional referrals. Don’t underestimate the power of this simple discipline. I have experienced ‘millionaires’ who reopened their black books after receiving $20 dollar gift certificates. After all, it’s not the amount but the gesture. And because you are spending your valuable time being the messenger, you will without a doubt focus on receiving one or two more warm leads.

    Tip # 7

    Promote a Grass Roots Chamber Program

    Offer local Chambers a deal they can not refuse. Chambers want to offer their membership a better deal, one that their members can not receive from regular street pricing. They are open to donations to help their chamber and are also motivated to grow their membership. Instead of offering a residual based off of sales, offer to bring them in a certain number of new members each month.

    After all, a certain percentage of businesses you call on will not be members, and if you can show them a return on their investment, they will certainly join the Chamber to receive it. By helping others you will see your referral ratio reach the sky!

    Tip # 8

    Identify Potential Bird Dogs

    Bird dogs are used by hunters to point and fetch game birds for their owners. In sales, a ‘bird dog’ is someone who has multiple relationships with your potential customers and they are motivated to routinely feed you contacts for your marketing efforts. Research potentialbusiness people that may fit into this profile, and take them out to lunch. Explain your referral program and how it could supplement their corebusiness revenue stream. For potential ‘Big Hitters’ be prepared to customize your referral program to align with their motivations. Treat them like gold and they will open up their Rolodex.

    Tip #9

    Get Married to a Collaboration Partner

    There are companies that provide products or services in your value chain but do not compete directly with your product or service. Those companies and the professional individuals that sell for them should be a point of concentration for you to identify and contact for strategies of collaboration. I refer to this relationship as “Natural Marriages.” Contact 3 sales professionals that seem to indicate a natural marriage for you and them. Outline whats in it for them. Then ask them what you could reasonably expect over time.

    Tip # 10

    Join or Start a Lead Group

    You have to eat lunch, right? So why not join or consider developing a Lead Group of entrepreneurial individuals who are motivated to get together twice a month to share leads. Find individuals who are accountable to bringing in the minimum amount of leads each meeting as outlined in your groupsbusiness rules. Make sure every member is covered by the 80-20 rule, getting 80% of their leads from 20% of the members. And dont be shy about charging a quarterly membership fee. That way, members have some skin in the game.

    PETUA DI MURAHKAN REZEKI AGAR BERTAMBAH KAYA

    Berikut adalah beberapa tips dan petua agar dipermurahkan rezeki :

    1. Jangan sekali-kali lupa untuk menunaikan ibadah kepada Allah

    Walau sibuk macammana sekalipun, pastikan diri kita sentiasa menunaikan perintah2 Allah. Beribadah kepada Allah, maka insyaAllah pasti diri kita akan dimurahkan rezeki dan mendapat keberkatan.

    Allah (SWT) tidak sia-siakan pengabdian diri hamba-Nya, seperti firman-
    Nya dalam hadis qudsi:

    “Wahai anak Adam, sempatkanlah untuk menyembah-Ku maka Aku akan
    membuat hatimu kaya dan menutup kefakiranmu. Jika tidak melakukannya maka Aku akan penuhi tanganmu dengan kesibukan dan Aku tidak menutup kefakiranmu.” (Riwayat Ahmad, Tirmizi, Ibnu Majah dan al-Hakim dari Abu Hurairah r.a.)

    2. Memperbanyak istighfar

    Istighfar adalah rintihan dan pengakuan dosa seorang hamba di depan
    Allah (SWT) , yang menjadi sebab Allah (SWT) jatuh kasih dan kasihan pada hamba-Nya lalu Dia berkenan melapangkan jiwa dan kehidupan si hamba.

    Sabda Nabi s.a.w.:
    “Barang siapa memperbanyak istighfar maka Allah (SWT) s.w.t akan
    menghapuskan segala kedukaannya, menyelesaikan segala masalahnya dan memberinya rezeki dari arah yang tidak disangka.” (Riwayat Ahmad,
    Abu Daud, an-Nasa’i, Ibnu Majah dan al-Hakim dari Abdullah bin Abbas
    r.a.)

    3.Tinggalkan perbuatan dosa

    Istighfar tidak laku di sisi Allah (SWT) jika masih buat dosa. Dosa bukan
    saja membuat hati resah malah menutup pintu rezeki. Sabda Nabi s.a.w. :

    “… dan seorang lelaki akan diharamkan baginya rezeki kerana dosa
    yang dibuatnya.” (Riwayat at-Tirmizi)

    4.Berzikir dan Sentiasa ingat Allah (SWT)
    Banyak ingat Allah (SWT) buatkan hati tenang dan kehidupan terasa lapang. Ini rezeki yang hanya Allah (SWT) beri kepada orang beriman. Firman-Nya:

    “(iaitu) orang-orang beriman dan hati mereka menjadi tenteram dengan
    mengingati Allah (SWT) . Ingatlah, hanya dengan mengingati Allah (SWT) hati menjadi tenteram.” (Ar-Ra’d: 28)

    5.Berbakti dan mendoakan ibu bapa

    Dalam hadis riwayat Imam Ahmad, Rasulullah s.a.w. berpesan agar
    siapa yang ingin panjang umur dan ditambahi rezekinya, hendaklah
    berbakti kepada ibu bapanya dan menyambung tali kekeluargaan.
    Baginda s.a.w. juga bersabda:

    “Siapa berbakti kepada ibu bapanya maka kebahagiaanlah buatnya dan
    Allah (SWT) akan memanjangkan umurnya.” (Riwayat Abu Ya’ala, at-Tabrani, al-Asybahani dan al-Hakim)

    Mendoakan ibu bapa juga menjadi sebab mengalirnya rezeki, berdasarkan sabda Nabi s.a.w. :

    “Apabila hamba itu meninggalkan berdoa kepada kedua orang tuanya
    nescaya terputuslah rezeki (Allah (SWT) ) daripadanya.” (Riwayat al-Hakim dan ad-Dailami)

    6.Berbuat baik dan menolong orang yang lemah

    Berbuat baik kepada orang yang lemah ini termasuklah menggembirakan
    dan meraikan orang tua, orang sakit, anak yatim dan fakir miskin, juga isteri dan anak-anak yang masih kecil. Sabda Nabi s.a.w. :

    “Tidaklah kamu diberi pertolongan dan diberi rezeki melainkan kerana
    orang-orang lemah di kalangan kamu.” (Riwayat Bukhari)

    7.Tunaikan hajat orang lain

    Menunaikan hajat orang menjadi sebab Allah (SWT) lapangkan rezeki dalam bentuk tertunainya hajat sendiri, seperti sabda Nabi s.a.w.:

    “Siapa yang menunaikan hajat saudaranya maka Allah (SWT) akan menunaikan hajatnya…” (Riwayat Muslim)

    8.Banyakkan berselawat

    Ada hadis yang menganjurkan berselawat jika hajat atau cita-cita
    tidak tertunai kerana selawat itu dapat menghilangkan kesusahan,
    kesedihan, dan kesukaran serta meluaskan rezeki dan menyebabkan
    terlaksananya semua hajat. Wallahu a’lam.

    9. Buat kebajikan banyak-banyak

    Ibnu Abbas berkata:

    “Sesungguhnya kebajikan itu memberi cahaya kepada hati, kemurahan
    rezeki, kekuatan jasad dan disayangi oleh makhluk yang lain.
    Manakala kejahatan pula boleh menggelapkan rupa, menggelapkan hati,
    melemahkan tubuh, sempit rezeki dan makhluk lain mengutuknya.”

    10.Bangun pagi awal (Jangan tidur sampai tengahari)

    Menurut Rasulullah s.a.w., berpagi-pagi (memulakan aktiviti harian
    sebaik-baik selesai solat Subuh berjemaah) adalah amalan yang membaca keberkatan dan murah rezeki.

    10.Bangun awal pagi (Jangan tidur sampai tengahari)

    Menurut Rasulullah s.a.w., berpagi-pagi (memulakan aktiviti harian
    sebaik-baik selesai solat Subuh berjemaah) adalah amalan yang membawa keberkatan dan murah rezeki.

    11.Menjalin silaturrahim

    Nabi s.a.w. bersabda:

    “Barang siapa ingin dilapangkan rezekinya dan dilambatkan ajalnya maka hendaklah dia menghubungi sanak-saudaranya.” (Riwayat Bukhari)

    12.Selalu berada dalam keadaan berwuduk

    Seorang Arab desa menemui Rasulullah s.a.w. dan meminta pedoman mengenai beberapa perkara termasuk mahu dimurahkan rezeki oleh Allah (SWT) . Baginda s.a.w. bersabda:

    “Sentiasalah berada dalam keadaan bersih (dari hadas) nescaya Allah (SWT) akan memurahkan rezeki.” (Diriwayatkan daripada Sayidina Khalid al-Walid)

    13.Selalu Bersedekah

    Sedekah mengundang rahmat Allah (SWT) dan menjadi sebab Allah (SWT) buka pintu rezeki. Nabi s.a.w. bersabda kepada Zubair bin al-Awwam:

    “Hai Zubair, ketahuilah bahawa kunci rezeki hamba itu ditentang Arasy, yang dikirim oleh Allah (SWT) azza wajalla kepada setiap hamba sekadar nafkahnya. Maka siapa yang membanyakkan pemberian kepada orang lain, nescaya Allah (SWT) membanyakkan baginya. Dan siapa yang menyedikitkan, nescaya Allah (SWT) menyedikitkan baginya.” (Riwayat ad-Daruquthni dari Anas r.a.)

    14.Selalu bangun solat malam (tahajud)

    Ada keterangan bahawa amalan solat tahajjud memudahkan memperoleh rezeki, menjadi sebab seseorang itu dipercayai dan dihormati orang dan doanya dimakbulkan Allah (SWT)

    15.Selalu menunaikan Solat Dhuha

    Amalan solat Dhuha yang dibuat waktu orang sedang sibuk dengan urusan dunia (aktiviti harian), juga mempunyai rahsia tersendiri. Firman Allah (SWT) dalam hadis qudsi:

    “Wahai anak Adam, jangan sekali-kali engkau malas mengerjakan empat rakaat pada waktu permulaan siang (solat Dhuha), nanti pasti akan Aku cukupkan keperluanmu pada petang harinya.” (Riwayat al-Hakim dan Thabrani)

    16.Bersyukur kepada Allah (SWT)

    Syukur ertinya mengakui segala pemberian dan nikmat dari Allah (SWT) . Lawannya adalah kufur nikmat. Allah (SWT) berfirman:

    “Demi sesungguhnya! Jika kamu bersyukur, nescaya Aku tambahi nikmat-Ku kepadamu, dan demi sesungguhnya jika kamu kufur, sesungguhnya azab-Ku amat keras.” (Ibrahim: 7)

    Firman-Nya lagi:

    “… dan Kami akan memberi balasan kepada orang-orang yang bersyukur.” (Ali Imran: 145)

    17.Mengamalkan zikir dan bacaan ayat Quran tertentu

    Zikir dari ayat-ayat al-Quran atau asma’ul husna selain menenangkan, menjenihkan dan melunakkan hati, ia mengandungi fadilat khusus untuk keluasan ilmu, terbukanya pintu hidayah, dimudahkan faham agama, diberi kemanisan iman dan dilapangkan rezeki.

    Misalnya, dua ayat terakhir surah at-Taubah (ayat 128-129) jika dibaca secara konsisten tujuh kali setiap kali lepas solat, dikatakan boleh menjadi sebab Allah (SWT) lapangkan kehidupan dan murahkan rezeki.

    Salah satu nama Allah (SWT) , al-Fattah (Maha Membukakan) dikatakan dapat menjadi sebab dibukakan pintu rezeki jika diwiridkan selalu; misalnya dibaca “Ya Allah (SWT) ya Fattah” berulang-ulang, diiringi doa: “Ya Allah (SWT) , bukalah hati kami untuk mengenali-Mu, bukalah pintu rahmat dan keampunan-Mu, ya Fattah ya `Alim.”

    Ada juga hadis menyebut, siapa amalkan baca surah al-Waqi’ah setiap malam, dia tidak akan ditimpa kepapaan. Wallahu a’lam.

    18.Selalu berdoa dan meminta pertolongan daripada Allah

    Berdoa menjadikan seorang hamba dekat dengan Allah (SWT) , penuh bergantung dan mengharap pada rahmat dan pemberian dari-Nya. Dalam al-Quran, Allah (SWT) suruh kita meminta kepada-Nya, nescaya Dia akan perkenankan.

    mohonlah kepada Allah…

    19.Berusaha dan berikhtiar sehabis baik

    Siapa berusaha, dia akan dapat. Ini sunnatullah. Dalam satu hadis sahih dikatakan bahawa Allah (SWT) berikan dunia kepada orang yang dicintai-Nya dan yang tidak dicintai-Nya, tapi agama hanya Allah (SWT) beri kepada orang yang dicintai-Nya saja. (Riwayat Ahmad, Ibnu Abi Syaibah dan al-Hakim).

    Bagi orang beriman, tentulah dia perlu mencari sebab-sebab yang boleh membawa kepada murah rezeki dalam skop yang luas. Misalnya, hendak tenang dibacanya Quran, hendak dapat anak yang baik dididiknya sejak anak dalam rahim lagi, hendak sihat dijaganya pemakanan dan makan yang baik dan halal, hendak dapat jiran yang baik dia sendiri berusaha jadi baik, hendak rezeki berkat dijauhinya yang haram, dan sebagainya.

    20.Bertawakal dan meletak sepenuh harapan hanya kepada Allah

    Dengan tawakal, seseorang itu akan direzekikan rasa kaya dengan Allah (SWT) . Firman-Nya:

    “Barang siapa bertawakal kepada Allah (SWT) , nescaya Allah (SWT) mencukupkan (keperluannya) .” (At-Thalaq: 3)

    Nabi s.a.w. bersabda:

    “Seandainya kamu bertawakal kepada Allah (SWT) dengan sebenar-benar tawakal, nescaya kamu diberi rezeki seperti burung diberi rezeki, ia pagi hari lapar dan petang hari telah kenyang.” (Riwayat Ahmad, at- Tirmizi, Ibnu Majah, Ibnu Hibban, al-Hakim dari Umar bin al-Khattab r.a.)

    Kesemua yang disebutkan di atas adalah amalan-amalan yang membawa
    kepada takwa. Dengan takwa, Allah (SWT) akan beri “jalan keluar (dari
    segala perkara yang menyusahkan) , dan memberinya rezeki dari jalan
    yang tidak terlintas di hatinya.” (Rujuk At-Talaq: 2-3)

    Pendek kata, bagi orang Islam, untuk murah rezeki dalam ertikata
    yang sebenarnya, kuncinya adalah melaksanakan ibadah dan amalan-amalan yang menambahkan ketakwaan kepada Allah.

    Amalan-amalan takwa ini menjadi sebab jatuhnya kasih sayang Allah (SWT) , lalu Allah (SWT) limpahi hamba-Nya dengan keluasan rezeki dan rasa kaya dengan pemberian-Nya.

    6 Tip Terbaik Pengurusan Kewangan Peribadi 2010

    Saya rasa terpanggil untuk menulis serba sedikit mengenai pengurusan kewangan peribadi bagi tahun baru 2010. Oleh
    kerana kekayaan itu berkaitrapat dengan tatacara pengurusan kewangan yang berhemah maka di sini saya ringkaskan
    7 tip umum yang boleh kita gunakan untuk memperolehi kedudukan kewangan yang stabil & baik. Walau
    bagaimanapun ia cumalah pada pandangan peribadi saya secara umum, terpulang kepada saudara saudari untuk
    menyesuaikannya dengan keperluan semasa.

    1. Mempunyai simpanan dana kecemasan
    Adalah amat penting untuk mempunyai ‘emergency funds’ memandangkan dunia ini penuh dengan ketidaktentuan
    seperti krisis ekonomi, kemalangan, sakit atau lain-lain yang tidak diduga sehingga menyebabkan kita tidak dapat
    ‘perform’ dalam kerja maupun bisnes sepertimana biasa dalam masa yang agak lama. Oleh itu simpanan dana
    kecemasan boleh dibuat sekurang-kurangnya 3 bulan pendapatan kita. Lebih banyak lagi bagus dan ini seharusnya
    menjadi disiplin yang kuat utk mengekalkan dana kecemasan ini tidak sewenang-wenangnya diguna tanpa sebab yang
    munasabah. ‘Emergency Funds’ ini boleh juga disimpan di dalam ASB atau Tabung Haji yang kelebihannya ‘liquid’ serta
    mampu menjana keuntungan dividen tahunan.

    2. Membayar bil, kad kredit & hutang tepat pada masanya
    Ini penting supaya kita tidak dikenakan caj lewat bayar. Oleh itu buat financial to-do-list setiap bulan supaya kita tidak
    terlupa membayar mana-mana bil utiliti, Astro, kad kredit, pinjaman pendidikan serta lain-lain. Elakkan duit kita hangus
    akibat caj yuran lewat bayar atau caj yuran sambungan perkhidmatan Astro dan sebagainya. Saya cadangkan
    pembayaran semua bil & debt ini dibuat secara online banking tanpa perlu ke kaunter. Sebagai contoh saya
    menyelesaikan semua bil utiliti, pinjaman pendidikan, credit card di one-stop center Maybank2U. Ini juga satu bentuk
    penjimatan besar tanpa perlu beratur panjang. di kaunter Jika ia mampu dilakukan maka kita telah menjimatkan banyak
    duit & masa kita.

    3. Spend Less Save More
    Amalkan konsep penjimatan dengan apa jua cara yang mungkin boleh diperolehi. Sama ada bawa bekal breakfast &
    lunch dari rumah, berkongsi kenderaan atau naik pengangkutan awam. Beli barang semasa musim harga rendah
    (megasale promotion), tawaran penghabisan stok atau acara lelong. Malah boleh beli barang second hand yang masih
    elok dipakai dengan harga yang jauh lebih murah. Selain itu bersederhana dalam apa jua keadaan dan kita dapat ’save
    duit’ tanpa perlu berbelanja lebih.
    Saya suka konsep penjimatan ini, ia merupakan salah satu seni dalam pengurusan kewangan. Dengan berbelanja
    kurang kita boleh menyimpan lebih banyak wang simpanan atau untuk lain-lain tujuan. Salah seorang member saya
    sanggup makan maggi seminggu semata-mata nak save duit beli handphone idaman beliau. Ini satu bentuk
    ‘pengorbanan’ yg boleh dilakukan tidak kira dalam apa jua bentuk. Saya pula lebih suka berjimat dalam membeli bukubuku
    ilmiah dan akademik semasa ada special discount di mana-mana Pesta Buku atau web shopping cart pengeluar
    buku seperti PTS & TelagaBiru.
    Selain itu ada juga discount coupon untuk pelbagai jenis web hosting dan domain yang amat bernilai untuk kita jual
    semula dengan harga yang tinggi. Ini salah satu seni dalam penjimatan dan perniagaan. Jika kita boleh ’spend less’
    sudah tentu kita dapat ’save more’.. :)

    4. Track Your Spending & Identify Wasted Money
    Ok, ini satu bentuk pemantauan. Jika kita boleh track segala perbelanjaan harian, bulanan & tahunan sudah tentu kita
    boleh tahu berapa banyak duit yang keluar. Kenkadang kita akan berbelanja lebih dari kemampuan kita apabila ada kad
    kredit. Oleh yang demikian jangan jadikan satu habit berbelanja dengan kad kredit melainkan jika kita mampu cover
    perbelanjaan itu sebaik mungkin. Semak kembali bil bulanan, resit mahupun online banking statement untuk melihat
    sejauh mana perbelanjaan harian kita. Perlu tahu cash flow in & out supaya kita tahu kedudukan kewangan tidak terlalu
    ‘defisit’.. Mengenalpasti bahagian perbelanjaan yang tidak perlu dan membazir itu dihentikan serta merta. Misalnya
    merokok dgn sehari saja boleh hanguskan RM6.00 sekotak secara umumnya. Jika boleh minimumkan pembaziran ini
    dengan berhenti merokok maka ia sudah tentu lebih berbaloi untuk jalani hidup dengan lebih sihat & selamat
    (kurangkan risiko sakit dan bil hospital). Begitu juga dengan perbelanjaan tahunan seperti road tax, insurans, web
    hosting/domain fees, income tax dan sebagainya perlu diurus sebaik mungkin. Dengan adanya pemantauan yang
    sistematik, sudah tentu kita boleh menemui ruang dan cara-cara untuk merancang berbelanja dengan bijak serta lebih
    efisien & selesa tanpa perlu membazir.

    5. Mengambil Polisi Insurans / Takaful
    Mempunyai insurans atau takaful adalah satu keperluan masa kini yang amat penting. Kita perlu dilindungi dengan
    takaful dari segala mara bahaya, sepertimana saya mengambil polisi Prubsn Takaful dengan RM150 sebulan mampu
    memberi perlindungan Medical Card sebanyak RM 150,000. Ia cukup berguna apabila saya pernah masuk ke dalam
    wad pada April 2009 lalu. Bertuah mengambil polisi ini lebih awal kerana sebahagian caruman RM50 setiap bulan akan dilaburkan dalam pelan takaful saver. Ia umpama 2 dalam satu. Di samping dapat perlindungan kita juga diberi
    pelaburan yang menguntungkan !

    6. Mempunyai ebiz / autopilot income
    Tip yang keenam ini berkaitrapat dengan method passive income atau autopilot income melalui ebiz. Saya cuba
    jelaskan seringkas mungkin kerana ia cukup ‘praktikal’ di saat zaman Internet ini. Disebabkan ebiz semakin popular di
    pelbagai golongan masyarakat Malaysia yang sudah biasa dengan konsep pembelian online. Kita manfaatkan kelebihan
    ini untuk buat duit secara santai di Internet. Ada orang wat ebiz part time sahaja tapi income dia berpuluh ribu sebulan.

    Ini sudah tentu dapat membayar kesemua bil & hutang kita lebih pantas serta mencapai matlamat kebebasan
    kewangan. Saya sarankan saudara saudari mulakan dengan hobi atau minat sendiri. Misalnya orang yang minat
    menulis boleh buat ebook panduan atau tutorial sebagainya dan jual di internet sptmana Pakej Ebookjutawan. Konsep
    penulisan ebook ini mudah kerana x melibatkan kos percetakan besar sptmana penulisan buku biasa. Malah ia mampu
    kekal lama sebagai infoproduk digital yang amat menguntungkan. Manakala jika saudara suka seni grafik boleh jual cd
    atau video berkaitan grafik seperti mana yang saya buat di Pakej CD Grafik Malaysia, kos cd amat rendah dan
    keuntungannya lumayan jika dipraktikkan dengan sistematik. Ada banyak lagi hobi yang boleh dikomersilkan, malah ibu suri rumah juga yang suka memasak boleh buat duit dengan memasak sepertimana di mangkuktingkat.com Ada
    beratus jenis lagi hobi dan minat yang boleh kita ‘monetize’ dengan baik. Jika saudara tidak mahu susah-susah buat
    produk sendiri boleh guna produk orang lain melalui affiliate programme. Kita boleh dapat komisyen dengan menjual
    produk-produk ini di Internet. Boleh lihat pelbagai jenis peluang mudah melalui Direktori Affiliate Wangcyber. Ada
    banyak lagi teknik buat duit dengan ebiz secara passive income ini. Download ebook percuma Buat Duit & Cari Duit
    Dengan Internet yang turut diberikan lesen jualan semula kepada anda. Boleh download dan jual atau sebarkan di web
    maupun blog korang semua. Konsep ebiz ini sudah semakin popular dan patut dipraktikkan sebagai salah satu
    penjanaan kekayaan peribadi paling mudah ! 7. Sentiasa menambah ilmu pengetahuan mengenai pengurusan
    kewangan peribadi

    Mentor saya amat menyarankan ‘upgrade’ pengetahuan dengan pelbagai jenis pembacaan buku/jurnal/artikel, seminar,bengkel, forum, web/blog etc. Ini kerana ‘otak’ adalah aset terbaik manusia yang sudah ada sejak lahir lagi. Jika kitamanfaatkan kelebihan otak yang mempunyai minda/akal yang mampu mengeluarkan idea-idea buah fikiran yang hebattidak kira dalam apa jua bidang termasuklah kewangan peribadi. Oleh itu banyakkanlah rajin membaca, isikan diridengan pengetahuan supaya tidak membuat kesilapan besar sptmana orang lain. Sebagai contoh membaca artikelsaya ini juga satu kelebihan mengetahui tip terbaik kewangan peribadi yang boleh dilakukan semua orang. Malah jikakita rajin bacalah buku mengenai financial management maupun mengenai money making technique sudah tentu kitadapat menguruskan kewangan dengan efisien. Jika kita tahu yang mana silap dan betul dalam pengurusan kewangan
    sudah tentu ia dapat memberi manfaat strategik pada diri kita. Ini yang spttnya dipraktikkan dari masa ke semasa. Ilmu
    yang baik akan menjaga kita, untuk menguasai dunia perlukan ilmu dan untuk merebut akhirat juga perlukan ilmu. Bak
    kata slogan skolah saya dulu.. berilmu, beriman dan beramal… jangan lupa amal setelah mendapat ilmu yang berguna !

    10 Tips Pengurusan Kewangan

    Tips pengurusan kewangan terbaik

    1. Menerima gaji sepatutnya dan berbelanja kurang daripada pendapatan

    Peraturan asas ini nampak mudah tetapi hakikatnya sukar untuk dilaksanakan.

    Anda perlu tahu sama ada anda menerima gaji yang sepatutnya berbanding

    kepakaran, keupayaan, produktiviti dan tugas yang dipertanggungjawabkan kepada anda. Menerima gaji rendah daripada yang sepatutnya, walaupun RM1,000 setahun akan memberi kesan yang besar dalam jangka panjang.

    Tidak kira berapa gaji anda, jangan sesekali berbelanja melebihi pendapatan.

    Adalah lebih mudah untuk menyekat perbelanjaan daripada memperoleh pendapatan lebih. Berjimat walaupun sedikit boleh memberi kesan yang besar pada tabungan.

    2. Rancang dan patuhi jadual perbelanjaan (bajet)

    Rancang perbelanjaan anda. Anda tidak akan mampu berbelanja dan menyimpan pada masa yang sama tanpa perancangan kewangan yang betul.

    3. Lunaskan hutang kad kredit

    Berterus-terusan mempunyai hutang kad kredit adalah satu kesilapan paling besar. Memang terlalu mudah untuk menggunakan kad kredit tetapi amat payah untuk melunaskan hutang dan akhirnya anda akan terus dibeban hutang..yang BESAR!

    4. Mencarum dalam pelan persaraan

    Jika syarikat anda menyediakan pelan persaraan, jangan lepaskan peluang untuk mencarum. Jika tiada, pertimbangkan pelan atau skim lain yang disediakan untuk pekerja.

    5. Menabung.

    Pastikan anda menyimpan sekurang-kurangnya lima peratus ke 10 peratus daripada gaji sebelum menyelesaikan segala bil. Cara paling baik, buat potongan secara automatik untuk akaun yang berbeza.

    6. Melabur.

    Pastikan anda membuat pelaburan – jika masih ada wang lebih selepas mencarum untuk skim persaraan atau skim simpanan pekerja dan menabung dalam akaun simpanan.

    7. Tingkatkan caruman skim kemudahan untuk pekerja

    Tambah nilai caruman anda pada skim kemudahan yang disediakan untuk pekerja. Ia akan membantu anda mengurangkan pembayaran cukai dan membataskan perbelanjaan yang tidak perlu.

    8. Semak liputan insurans

    Ramai orang membeli insurans dengan bayaran premium yang tinggi tanpa terlebih dulu menyelidik sama ada ia perlu atau tidak. Pastikan anda mempunyai insurans secukupnya tetapi pada masa yang sama tidak membebankan kedudukan kewangan.

    9. Kemas kini wasiat

    Lindungi orang yang disayangi. Pastikan anda membuat wasiat tidak kira berapa sedikit pun harta anda. Kira-kira 70 peratus warga Amerika tidak mempunyai wasiat.

    10. Simpan rekod kewangan dengan baik

    Jika anda tidak menyimpan semua rekod perbelanjaan, anda mungkin terlepas pandang untuk mendapatkan pengecualian cukai untuk perbelanjaan tertentu.

    KESILAPAN UMUM DALAM PENGURUSAN KEWANGAN

    • Suka berhutang dan gagal memahami konsep pengurusan kredit ( hutang ). Saya percaya ramai yang masih tidak paham akan apa itu hutang dengan secara detail. Bagaimana cara untuk menghapuskan hutang.
    • Pelaburan yang salah dan nak cepat kaya.Sapa yang tak nak cepat kaya kan? Saya pun. Sekarang ni banyak sangat program2 ataupun skim2 yang menawarkan pelaburan dalam jangka masa pendek. Kaji dahulu skim tu. Banyak sangat yang tipu. Kalu boleh dapatkan detail tentang syarikat atau orang perseorangan yang menawarkan kita skim2 tersebut.
    • Suka menangguh untuk merancang kewangan yang sistematik. Nak rancang kewangan pun susah. Bukan untuk orang lain pun. The best solution yang simple adalah dengan merekodkan perbelanjaan harian kita dalam buku tiga lima ( buku kecil 555 ). Dikenali sebagai CMS ( Cashflow Management System ). Simple tapi sangat berkesan.
    • Gagal menyimpan. Memang semua orang ada tanggungjawab masing2 terhadap keluarga mahupun diri sendiri. Tapi apa terjadi kalau kita tidak mempunyai simpanan? Tak dapat nak bayangkan kesusahan itu ( Dulu2 saya pun melalui juga ). Bagi saya simpanan amat penting untuk meneruskan saki baki kehidupan kita di dunia. Bagi saya simpanan yang terbaik dibuat adalah di ASB. Bukan setakat simpan tapi melabur. Dividen pun dapat.
    • Tiada matlamat kewangan. Sama la macam tiada matlamat hidup. Bagi mati je la kan?Duit tak pernah cukup, nak sara diri dan keluarga pun payah. Nak beli kereta, tapi tak buat simpanan. Nak kahwin, tak jugak buat simpanan. Susah…susah…mengabiskan boreh ajo.
    • Kejahilan tentang konsep nilai masa ( time value ) wang. Ngko tak paham? Aku pun tak paham. Muahahaaa…Senang citer, wang kita ada sekarang ( RM1,000  ) tidak sama nilai ( RM1,000 ) pada 5 tahun akan datang. Kenapa? Kepada yang tahu menilai akan simpan di premis yang dalam masa yang sama melabur wang kita dankita dapat faedahnya. Mungkin bertambah kepada RM300. Maka wang kita pada 5 tahun akan datang jadi RM1,300. Kalu dah jahil?5 tahun akan datang hanya ada apa yang dia ada 5 tahun sebelum ni ( RM1,000 ).
    • Kegagalan menangani musuh utama wang iaitu inflasi. Inflasi bermaksud peningkatan harga untuk barangan atau perkhidmatan tertentu seperti kenaikan harga makanan tanpa kenaikan gaji. Kejatuhan nilai mata wang juga boleh dianggap sebagai inflasi.
    • Keengganan menggunakan perkhidmatan perancang kewangan / penasihat pelaburan bertauliah. Bagi saya adalah penting untuk kita mendapatkan penasihat kewangan / pelaburan peribadi untuk menstrukturkan perjalanan kewangan kita dengan ada hala tuju dan matlamat. Tapi terlebih dahulu pastikan perancang kewangan / penasihat pelaburan kita itu bertauliah dan tidak hanya mengurus bahkan mencipta kekayaan menerusi innovasi dan asset sedia ada secara kreatif melalui penstrukturan semula, pemantauan dan kajian semula pelan kewangan peribadi individu. Jangan tertipu dengan perancang penipu. Banyak sangat yang ambil kesempatan.

    20 WAYS TO BECOME RICH

    A lot has been written about how you can become rich but i have made a list of 20 ways you can make yourself rich if you are committed to any of them. I have seen people who have combined 2 or more of the methods listed below and they have become very rich.

    Hence, I want you to take a good look at the list and decide on which of the ways that will suites you and then take action.

    1. Be an entrepreneur: Start your own business and build your empire
    2. Become a highly paid employee in a bank or oil company.
    3. Become a Professional: Lawyers, Doctors, Engineers, Surveyors.
    4. Become a salesman of expensive products and services.
    5. Sell Information: Logically collate valuable information and sell online.
    6. Become a stock broker or forex trader:
    7. Be a good actor or actress like Kevin Costner or Julia Roberts.
    8. Be involved in Oil and Gass business.
    9. Be involved in Property trading. Buy and sell properties.
    10 Be involved in GSM business: Print vouchers, sell & repair phones.
    11. Be involved in IT training for Govt agencies, and private coys.
    12. Be involved in organizing seminars, conferences, workshops.
    13. Be a newspaper or magazine publisher (Soft and hardsell).
    14. Set up a eatery centre or fast food restaurant.
    15. Become an Inter and intra state transporter.
    16. Be a wedding planner to the Rich.
    17. Become a beautician to models and rich people.
    18. Become a fashion designer to the rich.
    19. Become a reseller of local and foreign computer products.
    20. Register domain names and host websites

    I guess by now you must have decided on at least 2 or 3 ways you can make yourself rich.

    The next step is to take action and before long you will be recording successes.

    How To Get Rich Without Working

    Working is described as the obligation to regularly attend and perform a designated task. An obligation that usually consumes 8 or 9 hours of one’s daily life. It is humorously called, “The Rat Race”. Yet, most people must depend on such jobs to finance their basic necessities of life. Often, just barely.

    How have some people become wealthy without restricting themselves to work ? Some have been lucky enough to inherit a fortune. Others have struck it rich in lotteries or by gambling. A successful business owner, an officer in a large corporation, or a super salesman might acquire wealth through aggressive personal characteristics.

    Then there are those who through manipulation, inside knowledge or proper timing have acquired a windfall by investing in the stock or commodity market.

    Talented people have become rich as inventors, authors, sports figures, TV and movie stars. Professional people such as lawyers, doctors and bankers, through high fees or salaries, become wealthy.

    The above situations, a matter of lick, special talent or timing, are beyond the hope of the average working man or woman. Yet, there are many opportunities for anyone to make a lot of money without relying upon luck, high education or special abilities.

    First of all, those who have acquired wealth through their own personal efforts outline this advice for necessary attitudes and desires to acquire a high financial standing:

    1. Go where the money is–get your share.
    2. Be willing to accept and take business risks.
    3. Do something positive in your search for riches.
    4. Be willing to start small and grow big.
    5. Be ready to jump into million dollar markets if the opportunity presents itself.
    6. Use other people’s money to help build your own wealth.
    7. Diversify to increase your income.
    8. Create, locate and market something unique and different.

    Long ago, someone with a wise observation noted, Working won t make you rich. So let s review some of the methods others have used to become wealthy, and ways which you, too, can acquire riches that a salaried job will never provide.

    BECOME A FINDER

    This is perhaps the easiest way to earn big money. What is a Finder ? A finder is a person who brings two parties together on a transaction and collects a fee for arranging the meeting that consummated the deal. The fee may be a percentage of the transaction or a flat determined sum.

    Let’s explain your role as a finder. Suppose you learn of someone who is interested in selling a large parcel of land, a building, surplus merchandise, a business, antiques, or dozens of other high-priced items. You contact this person or firm and advise that you can furnish the name of prospective buyer for a finder s fee if the sale is completed. You introduce prospective buyer to the seller by letter and let those two parties come to an agreement on the deal. You are entitled to a commission for locating the parties and arranging the meeting that resulted in completing the transaction.

    Where do you find these opportunities? You may be fortunate enough to find them in your own locality. Look and ask around. Note the For Sale signs on large acreage or buildings. Check Wanted and For Sale listings in newspaper classified sections. The Wall Street Journal, the Business Opportunities Journal, or subscribe to some of the publications that advertise offers suitable for a finder.

    Never contact the seller, except for particulars of his offer, until you have a definite buyer prospect. After your initial contact with both parties, send all correspondence concerning referrals, names and confirmation of finder’s fees by registered mail. Keep a copy of all correspondence should any legal problem arise concerning the receipt of your full and due commission.

    MONEY FINDER

    In a similar method to the above, thousands of people are looking for money for business and commercial activities; others are seeking areas in which to invest. You can operate as a money agent, on a commission basis, by bringing together a party who seeks money with someone who is willing to lend it. Again, contact may be obtained through the methods outlined above. Don’t overlook foreign investors. The Arabs, particularly, have billions to invest. Seek such leads in publications with foreign circulation.

    OVER $300,000 BY AGE 55!

    Yes, it’s possible through a regular and simple saving plan that most people can handle without financial hardship. Deposit $2000 each year in one of the higher yielding savings plans and keep it in. Suppose you start this plan when you are 25 years of age. While future interest rates are impossible to predict, we will figure at a modest 10% accrued yield. At this yield and at the age of 55 you would have accumulated a nest egg of over $300,000! This principal will draw over $30,000 per year and more in later years if you continue the plan. Start a systematic and determined savings plan while you’re young–you can enjoy the benefits of wealth at the still-youthful age of 55!

    REAL ESTATE

    The fact is that the largest percentage of fortunes were made in real estate dealings… land, housing units and commercial buildings. You are aware of the tremendous growth in real estate values in recent years. This trend is almost a certainty to continue. Population growth, even increased divorce rates, creates a need for more housing, more businesses, more recreational areas, etc.

    There is not guarantee that all real estate will rise in value during your lifetime. Be selective in what and where you buy. Anticipate the coming trend based on economic, energy and growth factors. Will the population growth be in the outlying areas or will people move back into urban districts. Run-down or semi-abandoned neighborhoods are often profitably renewed. Beautify a house or two in such areas and other people are anxious to do the same in that locality. Is an industrial, amusement center, or something to draw a large number of people planned for the area? If so, smart operators will begin buying property anticipating that homes and businesses will follow and real estate values rise tremendously.

    Considered buying cheap unimproved land? Usually, it would produce nothing but cost you taxes, though modest in amount, until you could sell the property for profit. But, suppose you could develop it for some income producing benefit like pasture land, farming leases, flora for nurserymen, timber, hunting, camping or a recreational area? Unimproved land should be purchased only with the possibility of developing it for some money-making purpose.

    GOVERNMENT LAND

    Millions of acres of government land are available, mostly in Western States, at unbelievable low prices. There are possibilities for money-making activities such as ranches, resorts or striking it rich with mineral discoveries. For information, write to: Bureau of Land Management, Washington, D.C. 20240.

    The GSA often offers vacant or improved land to the public. also, buildings no longer required by the Government, but suitable for warehousing or manufacturing, are also offered. These are generally sold by sealed bid and sometimes notices appear in the local newspapers. For information about GSA sales write to: General Services Administration, 7th & D Streets S.W., Washington, D.C. 20407.

    State Governments also sell land and property. Agencies are titled differently so contact a State office to learn which agency in your State handles land sales.

    GOVERNMENT LOTTERY

    Willing to gamble a little for a chance to strike it rich? With the odds far greater in your favor than winning a State lottery or hitting the giant jackpot in a Las Vegas casino?

    Monthly the Federal Government conducts a lottery for about 1,000 oil and natural gas leases. These are parcels of land ranging from a few acres to 2,500 acres. This land is termed wildcat because these areas lie outside the known geological formation that produce gas and oil fields. If an oil company want to explore your lease it will pay you up front money and a royalty for any gas or oil found.

    Entry fee is $10.00. While to procedures are quite simple, an explanation of how the lottery works and how to file requires more space than this report can provide. Write for Simultaneous Oil and Gas Lease Filings to Bureau of Land Management, Washington, D.C. 20240.

    GOVERNMENT SURPLUS

    Items such as vehicles, office equipment, boats, among many thousands of goods the government buys, can be purchased at a small fraction of their value. As requirements change, large quantities of goods become obsolete to the government specifications and are called surplus and offered to the general public.

    If you buy something at a real bargain price and resell it for a high profit, you have made big money on the deal! While many of these items can be bought and profitably resold to various markets, an imaginative idea or application could make you rich! A case in point is a fellow named Hugh Paulk who bought 50,000 surplus parachutes, a little at a time, and sold them my mail at $13.95 each. To airplane clubs, sky divers, or private pilots? No. He advertised in women s magazines and they were uickly grabbed up as fine nylon material for shirts, blouses and other clothing. to the tune of $800,000 sales for Mr. Paulk!

    Government surplus material is sold on a bid basis and you can request a Bidders Application and information on surplus sales from: DOD Surplus Sales, P.O. Box 1370, Battle Creek, MI 49016.

    OWN A BUSINESS WITH NO CASH INVESTMENT

    This could be your first step to riches. Look for a business whose owner, for one or various reasons, desperately wants out but is unable to find a buyer. Perhaps due to disinterest or poor management it isn’t making a profit. Offer to pay the book value from a certain percentage of profits. The owner might consider this proposal rather than chance the business failing completely. Have a lawyer draw up the transfer of ownership and the other conditions of the agreement. Most should be to your advantage.

    You must, of course, consider only a business with the potential of earning good profits through your ability and efforts. A financing source should be ready to help if you need funds for expansion.

    USE OTHER PEOPLE’S MONEY

    How often, after you learn of a success story, have you said I wish I got into that. Why didn t you? If money was considered a problem, it shouldn’t have been. Most wealthy people acquired riches by using other people’s money to finance their money-making opportunities. surprisingly, money is not hard to get. For speculative endeavors, venture capital firms are receptive to a proposal with good profit potential, even with an element of risk.

    BECOME A COLLECTOR

    Investors or collectors who deal or trade in items that will multiply in value make big money. Some of the items that have jumped in value through the years are gems (which can be obtained from foreign producers), coins, stamps, old magazines and comic books, baseball trading cards, dolls and toys, rare books, paintings, sculptures, art objects, phonograph records, autographs, guns, etc. Always check current values; buy only at lower price. And, don t throw out everything your wife considers trash. A piece of today s junk might be someone’s treasure tomorrow.

    You can get rich–if you really crave wealth. You must take a positive step to achieve that goal. The sooner you start, the earlier you can gain the financial rewards you seek.

    5 REASON WHY PEOPLE ARE BROKE

    Most people don’t really understand money. There are two things to grasp before you can ever become wealthy. Those two things are illustrated in this top five list of things that explain why people are broke.

    Broke Reason #1: Money Is Not Wealth

    Having money is not the same as having wealth. You can have a million dollars in your online banking account, but if you’re a million and one dollars in debt, you’re still broke. Just because you have money doesn’t necessarily mean you are really rich. Money is a pathway to wealth, but is not wealth itself.

    Broke Reason #2: Assets vs. Investments

    Assets are things that give you the illusion of wealth, but often just create a facade of wealth. Owning a fancy new car is great, but it is not an investment – it’s a liability. It loses money over time, costs you money over time, and is nothing more than a new debt – even if you own it outright. One of the best lessons I learned from Thomas Stanley’s Millionaire Next Door is that millionaires spend their money on investments, not assets.

    Broke Reason #3: Savings vs. Investments

    Having a relatively large savings account or a large amount of money in a checking or money market account is not an investment. It’s important to have cash on hand, of course, in case something happens, but if all of your “wealth” is stored as money in the bank, you are wasting one of your best wealth creation tools. The difference between savings and investments is the principle of wealth building.

    Now, I am not saying that you shouldn’t find a good bank for your short-term cash needs. I am just saying that you need to make sure that you are not keeping too much in savings to the exclusion of your investment portfolios. When I am looking for a bank, I often don’t care about the interest rates, I look for great online banking features because that is what is most important to me. Some of the bank websites that I like are Bank of America Online and PNC Online Banking.

    Broke Reason #4: Lack of Long Term Thinking

    Having a “good job” is a great thing, of course, but if your good job means you think about the next paycheck or the next month’s income, you suffer from a lack of long-term thinking. Your income (job or business) should be thought of in terms of quarters and annuals. Rather than thinking about the next two weeks or the next month, a wealthy person thinks about the next three months, six months and the next year.

    Focus on making year over year increases in your income. This might be through the creation of a side business or by simply asking for a promotion.

    Broke Reason #5: Obsessing Over Money

    If you obsess over where your next income is coming from, how much money you do or don’t have, or are always thinking about how much you can make by doing something, you are not thinking in terms of wealth. Again, money is only a pathway to wealth, but it is not wealth itself.

    What is wealth?

    Now that you know what blocks your way to becoming wealthy, let’s define wealth and then you’ll understand the critical change in thinking that has to happen if you’re going to ever become wealthy. Since wealth is not money, what is it? Wealth is the ability to not think about money and instead to think about incomes in a broader sense.

    For instance, while a car is rarely an investment, property, dividends, and education are. Investments are those things which pay back over and above their cost. If you purchase a second home as a rental and it can pay its own mortgage and expenses through rent over the next fifteen years, you’ve made an investment. What you’ve done is invested some money now so that fifteen years from now, you own property that didn’t cost you much at all. The same can be said for stocks that pay dividends, gold or silver, or an education. All of these things can pay you back over time – some faster than others.

    Wealth is simply getting more for less over time. Today’s 50-hour work week should become tomorrow’s 40-hour week which becomes a 30-hour week and so on.. all without lowering income.

    5 Reasons Why You Will Retire Broke and Unhappy

    Retirement is one of the major end goals for many of us. After putting in a few decades of hard work we hope to be able to break free from the daily grind and do what really makes us happy. That could be starting a new career, traveling the world, or simply enjoying a slower paced lifestyle. Whatever your idea of retirement is, there are plenty of roadblocks standing in your way.

    In a perfect world you will have enough money set aside so that come retirement day you have absolutely nothing to worry about. You’re free to carry out your plans without the added stress of wondering whether or not you’ll have enough money to pay the bills. Unfortunately, most people don’t have this luxury. Instead, they come to the realization that they can’t afford to retire and end up spending the later years in their life unhappy because they have to either keep working or simply don’t have enough money to do any of the things they had hoped. Here are five reasons most people will retire broke and unhappy.

    1. Not Saving Enough

    Not saving enough has to top the list because let’s face it, not having enough money in retirement is the biggest problem. How much money do you really need to have saved up by retirement to fund your dreams? Well, according to a recent poll I took on the site most people feel they need between 1 and 3 million dollars saved by retirement. So, ask yourself where you stand. Are you on track? Do you have some catching up to do? Or do you feel there’s just no possible way to save up enough money by retirement? Even if you are behind in savings that doesn’t mean you should give up. You still have many years ahead of you to make a difference, and every little bit counts. One thing is for certain, and it’s that not having enough money saved for retirement will have a negative impact on your lifestyle down the road.

    If you don’t have enough saved up for retirement a few things are certain:

    • You may have to work longer.
    • You may not be able to do the things in retirement you planned on.
    • You may become a burden on your children.
    • If you encounter serious health problems it could mean liquidating your assets and going on Medicaid.

    gold-eggIf none of those things sound like fun you better start saving. Even if you’re in your 30s and haven’t put a penny aside for retirement it isn’t too late. Take advantage of your employer’s retirement plan such as a 401(k) or 403(b) if they offer one. This is the easiest way to get into the habit of saving since it comes right out of your paycheck and it’s pre-tax money. Even better, if they offer a match you need to at least save enough to get the match. That’s free money! This is the only time someone else will put money into your retirement account for you, so don’t miss out.

    Beyond that you should set up your own retirement account such as a Traditional IRA or Roth IRA. It doesn’t matter if you can only afford to put a hundred dollars a month into your account, but you have to start somewhere. Even just $100/month over 30 years earning around 7% will put over $120,000 in your account. Sure, you won’t be able to live off just that, but you can’t tell me that having an extra $120,000 for retirement is a bad thing. So, start small, and start right now. Every little bit helps even if you are getting a late start when it comes to saving.

    2. Making Poor Investment Choices

    Did you know that you can be on track to save enough yet still find yourself in the poor house come retirement? Just ask all of the baby boomers who planned on retiring in the next few years and were invested too heavily in stocks. Their retirement plans were destroyed in a matter of months. Granted, we don’t have crystal balls and can’t predict what the markets will do, but you can follow some basic investing principals so that you’re not putting yourself at unnecessary risk.

    Poor investment choices go both ways. You have those who might be far too aggressive and can’t whether a steep decline shortly before retirement, and you have those who invest far too conservatively from the start and come up short in the end. You need to strike a balance and adjust your investment strategy over time as you age and your needs change. There’s no magic portfolio that works for everyone, in all market conditions, all the time. But it’s up to you to understand what you’re investing in, what the risks are, and how those investments play a role in your long-term objectives.

    Finally, don’t neglect fees. You can’t invest without fees, that’s just a fact of life. But in most cases you can limit how much you pay. It may not seem like much, but even choosing investments with 50 more basis points in annual fees could literally cost you over $100,000 by retirement. The sooner you make smart investment choices and understand the impact of fees, the longer your money has to grow so that it can adequately fund your retirement.

    3. Neglecting Health Care

    Want to retire broke and unhappy? Just ignore the impact that health care will have on your retirement. As a member of Generation X you may have seen this first hand with aging family members. Even when it looks like someone has set enough aside for a comfortable retirement it just takes one major health incident to derail everything. This country obviously has some flaws with its health care system, but that doesn’t mean you have to just take it.

    Health care issues can ruin your retirement before it even starts. Did you know that disability is the number one reason for bankruptcy and foreclosure in this country? If you’re still working and rely on your income to pay the bills what happens if you get hurt or become disabled, either for a few years or permanently? In many cases people don’t have disability insurance and even if they qualify for Social Security Disability it isn’t enough to pay all the bills. Just a two year disability in your 30s could be enough to severely impact your retirement, especially if it causes a financial hardship such as bankruptcy or foreclosure. So, make sure you’re adequately protected even while working so that you don’t jeopardize your retirement.

    nurseAn even bigger problem often comes in retirement. Our health is unpredictable for the most part. We don’t know what kind of health issues we will develop as we age, and depending on what it is and treatment required it could end up quickly draining your retirement fund. Don’t just assume that having Medicare and a Medicare supplement will do enough to cover most of your medical expenses. If you are in a situation where you need long-term care you’ll find that this isn’t covered by Medicare. And don’t be fooled by the name, but most long-term care stays are only a few years. But did you know that the average cost of a year of long-term care is upwards of $50,000 or more? Just needing a few years of care could quickly begin to wipe out your retirement nest egg. If you run out of money paying for this care you’ll either become a burden on your family while they try to pay for or provide the care. If they can’t keep up you’ll be faced with liquidating any assets you do have, and then will likely end up on Medicare. I don’t think anyone looks forward to that kind of retirement.

    Finally, a little preventative health care goes a long way in helping you live a long and healthy retirement. Take some time while you’re young to make smart health choices today so that you’ll have a better chance of remaining healthy in retirement. Some good habits today could end up saving you hundreds of thousands in health care down the road.

    4. Retiring Too Early

    lawn-bowlingRaise your hand if you’d like to retire earlier rather than later. Stupid question, right? For most of us we’d love to retire a few years early and get a jump on doing the things we planned on in retirement while we’re still young and healthy. Unfortunately, early retirement is simply in the cards for most people. It really comes down to underestimating what just a few years of early retirement can cost financially. For example, say you and your spouse would like to retire at 62 instead of 65. Assuming you each earn $50,000 after taxes at your current job those three years of retiring early will cost you $300,000 in lost income. Even if you elected to begin drawing Social Security at 62 that isn’t going to come even close to replacing that income. If you have a pension, chances are taking it at 62 is also going to be a reduction in payout. So, depending on what your income needs are during those three years you could be draining your retirement account by a few hundred thousand. When you factor in the 20 or more years you still have in retirement that early retirement could significantly reduce how long your nest egg will last.

    And it isn’t just about tapping into your retirement assets early. Let’s not forget about health insurance. You don’t qualify for Medicare until 65, so if you retire early where are your health benefits coming from? If you’re lucky enough to have a working spouse you might be able to get by using their plan, but what if you both want to retire early and you don’t have any retiree health benefits offered by your employer? Get ready to open your wallet and pay for an individual plan. This is a common oversight by many early retirees as they get dead set on retiring early and then underestimate the significant costs of health care until reaching age 65. This can be a costly mistake.

    Retiring early is doable, but you have to plan well in advance for it. That means saving even more money and thinking about the impact of early retirement, both in terms of your nest egg and health care. If you rush into it like many people you could be giving up a significant chunk of your later retirement just to quit working a couple years early. Weigh your options carefully.

    5. Lifestyle Creep

    It’s just human nature that as you earn more money and become more successful you generally spend a little more money on the finer things in life. After all, isn’t that what it’s all about? You want to make more money so you can enjoy some of the fruits of your labor. It’s great to be able to buy things that improve your quality of life, but this lifestyle creep can go too far. It starts out with small stuff, but eventually it turns into a bigger house, nicer cars, and maybe even more elegant vacations. If your income goes up but your expenses also continue to go up the net result is often zero. You make more, spend more, but still don’t have enough left over to save more.

    As you go through your career and begin making more money it’s important to keep your spending in check. You still might opt for a nicer car or a bigger house, but don’t let those things interfere with your ability to save. When you start making more money make sure you treat your retirement savings like any other expense. If you’re willing to spend 20% more on a new car payment you should be willing to put 20% more into your retirement account as well.

    If you don’t increase your saving along with your other expenses you’re going to be in for a rude awakening upon retirement. What you’ve done is built up this more affluent lifestyle and when retirement comes you’re probably hoping to at least maintain a similar lifestyle but without going to work. If you haven’t been increasing your saving over the years to match the increase in lifestyle, guess what. You’re not going to have enough money to fund that retirement. Then you’ll probably find yourself unhappy in retirement since you had to reduce your lifestyle or try to continue that lifestyle and end up broke ten years into retirement. Neither of which is a situation you want to be in.

    Will You Retire Broke and Unhappy?

    Hopefully not, but as you can see, it’s pretty easy to do. While it’s easy to retire broke, it’s just as easy to start putting measure in place today to ensure it doesn’t happen to you. Start by saving more. Think you’re already saving enough? Think again. Even if you’re just getting started for the first time, every little bit helps. Now that you’re saving you need to make sure you’re investing it properly. Take some time to learn about your investments, understand what they are going to accomplish, and keep expenses low. Next, don’t underestimate health care costs both now and in retirement. Take steps today to make sure poor health won’t drain your retirement fund. If you want to retire early, make sure you plan for it. Early retirement requires additional savings and considerations when it comes to health care. And finally, don’t let lifestyle creep during your working years ruin your retirement. Keep spending in check and adjust your saving accordingly so there are no surprises in retirement.

    If you can keep up with all of that you should be able to enjoy a wealthy, happy, and comfortable retirement.

    The 7 Biggest Money Problems Most People Have

    These Money Problems Can Prevent You From Building Wealth

    Building wealth is a part of the American Dream. We’re told that through hard work and seizing opportunities we can lead successful, healthy, and wealthy lives. But building wealth isn’t important just for the sake of having money. In fact, it’s almost a requirement these days if you want to fully retire at some point. Social Security won’t provide much of a retirement. Your kids may not be able to afford college on their own, and there’s a good chance that health care costs can wipe out even a decent nest egg during your golden years.

    Since building wealth is so important for our future why is it that most people still find themselves under a mountain of debt or end up retiring broke and unhappy? It isn’t just luck. Sure, in the game of life luck does play a part, but most of the outcomes in life are directly attributable to the choices you make and financial decisions are no different. If you make smart decisions with your money your odds of success lean in your favor. Make poor decisions and you put yourself behind the 8-ball. Here are seven of the biggest money problems and mistakes most people make and if you can avoid making these mistakes you’re on the fast track toward building wealth.

    1. Buying More House Than You Can Afford

    This is the granddaddy of them all. For generations we’ve been told that owning a home is how you build wealth. The reasoning was simple: you buy a house, live in it for a few decades, and sell it for a large profit since it appreciated in value. For the Baby Boomers and their parents this was a reasonable expectation. People did not move around as much, had steady employment with a company, and they held on to their homes long enough that it was almost unheard of to not make money when selling your home. For our generation, things are different.

    Generation X and Y are mobile creatures. Gone are the days of company loyalty and staying with the same employer for 30 years so you can retire with a big pension and a gold watch. No, today people are on their own and have to do what’s best for themselves and their families. This often means frequently changing jobs, moving, or even losing a job and being forced to look elsewhere. This means people aren’t staying in their homes nearly as long as they used to. And guess what that means? The less time you live in your home the less equity you build. The less equity you have the more likely that when you sell you’re going to be put into a position where there is little or no money to be made and it could even cost you significantly as we’ve seen in recent years.

    Factor in the above chances in home ownership with the fact that banks are often willing to lend more money than you can realistically afford and you’ve created the perfect wealth destroyer. Owning a home used to mean building value and adding to your net worth, but these days more people are finding that owning a home is nothing more than a large monthly payment. Make sure you’re buying a home for the right reasons so you can avoid the next housing bubble, otherwise you could be making one of the costliest financial mistakes of your life.

    2. Having a Vehicle Fetish

    If you’re like most Americans you probably spend a good deal of your time driving to and from work. Thanks to the way our country and cities were built this is how most of us have to live and that means having a car (or two or three). The downside is that owning a vehicle is an expensive proposition. First, you have to buy a car, but the expenses don’t stop there. Even after putting out thousands of dollars for the vehicle itself you’re left with filling it with gas. Then you have to get regular oil changes and perform routine maintenance. And let’s not forget about insurance. Oh, and those flat tires and unexpected repairs can be costly as well. All said and done, the average person will spend over $500,000 on vehicle expenses over their lifetime. No, seriously. Most people end up spending more on their cars than they have in their retirement account by the time they are 65. Think about it.

    So, don’t make the same mistake many vehicle owners are. Most of the people you see driving around $70,000 luxury SUVs are not as wealthy as their vehicle leads you to believe. Their car is likely making them poor and they probably have little more than a bunch of monthly payments that still has them living paycheck to paycheck. Buying new vs. used can be one mistake, but it goes beyond that. Spending more money on a nice vehicle leads to more interest being paid when financing, costly maintenance, and higher car insurance  premiums. To make matters worse, these are all costs associated with a depreciating asset! You will continue to throw money at something that becomes worth less every single day. I may not be a mathematician, but even I know that isn’t how you build wealth. Let fools be easily parted from their money as they sink it into hunks of plastic and steel. You can find a better use for your hard-earned money, can’t you?

    3. Letting Your Money Trickle Away

    We all know that big purchases can be costly, but it’s the little things that can kill you. You need to plug your money leaks if you want to find a little extra in your budget each month to save, invest, or pay off debt. It’s the premium movie channel, the extra text message plan for your phone, the magazines you never get around to reading or the Netflix movies you find yourself holding on to for a month before watching them. Each of these may only be $10 a month individually so it doesn’t seem like much, but when you take a look at all of the little expenses that aren’t being fully utilized each month you could be sitting on a few hundred dollars that’s going to waste.

    It’s like the leaky faucet in the bathroom. You may only see a single drip every few seconds and it’s hard to imagine those add up to much, but a single leaky faucet can waste over 1,000 gallons of water a year! The same thing goes for your money. A dollar here, five dollars there, and you hardly notice it on a weekly basis. But over a year and beyond you’re literally wasting thousands of dollars. Think about what it could mean if you were saving a few extra thousand dollars a year instead. It could mean an early retirement.

    4. Cashing Out Retirement Funds

    There is a reason these are called retirement accounts — because they are meant for retirement! This is a problem that many people face and it’s usually a result of other underlying money problems. Nobody wakes up in the morning and says, “hey, I think I’m going to go cash out my 401(k) so I can go buy a new Corvette for the heck of it.” Actually, I think there are some people like that, but this isn’t why most tap into their retirement funds. Instead, it’s usually more about a financial emergency that leads to this decision. Maybe you lost your job, encountered a major medical emergency, or are faced with any number of other hardships. But tapping into your retirement fund either by liquidating or taking a 401k loan can do more harm than good. And let’s not forget the cardinal sin of retirement savings — cashing out your old 401k instead of doing a 401k rollover.

    It’s like robbing Peter to pay Paul. This is your money, but if you take something out of one account just to pay for something else you haven’t really solved any problem. Yes, you may have been able to put out a short-term crisis, but now you’ve created a long-term crisis. Ultimately, this could lead to requiring you to work much longer than expected, sell off assets when you do retire, or maybe skip retirement completely. None of those options are good ones, but it’s a reality if you rob your nest egg early. It not only takes money away from your retirement account, but it can cost you dearly in unnecessary taxes and penalties just further complicating matters. So, make sure you don’t treat your retirement funds like a savings account. They should be an absolute last resort in a time of need and you should work on plugging some of your money leaks and apply that to an emergency fund to help you in a time of need.

    5. Paying Too Much for College

    When you’re in high school all you keep hearing about is preparing for college. After all, these days it’s pretty much expected if you want a good job you have to get a degree. For many career paths this is true. And in some professions you need to go beyond and get a graduate degree or more. While there’s not much you can do about the fact that some professions require degrees, for the large majority of students there are steps they can take to minimize the burden of a college education.

    For one, you don’t have to go to a private school to get a superb education. While some schools are going to be better than others, picking a school because of their name is like buying a $200 pair of designer jeans over a $50 pair of tried and true Levis. Both will accomplish the same thing, but one costs a lot more and it may or may not pay off in the future. And don’t neglect community colleges or state schools for the first year or two before transferring to the school of your choice. Knocking out many of the basic courses in the first two years could literally mean a savings of $100,000 on your total education bill.

    Finally, don’t make the mistake of assuming you can just get student loans to pay for it all and you’ll be making enough money when you get a job after graduation that paying them off will be easy. It’s not. Ask anyone with a run-of-the-mill bachelors degree who has financed their entire education with loans. They may be well over $100,000 in debt and lucky to be making $50,000 a year. They will be spending the next ten years essentially making a mortgage payment and tying up valuable funds that could be going towards a retirement account, emergency savings, or a down payment for a house. If you’re a student thinking about college, make a wise decision and don’t think that you can just throw money at an education and that it will pay for itself when you graduate. And if you’re a parent you should start planning early and decide how and if you want to help your children out with college. This could mean starting a 529 plan or at least setting some expectations with your child so they know what to expect. But whatever you decide, make sure you weigh the pros and cons of saving for retirement vs. saving for college.

    6. Starting Too Late

    Ask any 20-something what their plans are for retirement and you’ll probably get a confused look or outright laughter. When we’re young we feel as if our whole life is still ahead of us. And for the most part that’s true, but that doesn’t mean we have time to wait before starting to save. You see, there’s this little thing called compound interest that’s willing to put your money to work, but it requires one crucial element in order to do its job. Time. Without time the value of interest is virtually eliminated.

    The problem is that compound interest is not linear. If you’re investing $5,000 a year you can’t just say that if you wait two years to get started you can figure your account will only be roughly $10,000 less. No. Instead, waiting just two years to start saving $5,000 could end up costing you over $50,000 by retirement. And that’s just two years. When you make the mistake that many people make by waiting five years, ten years, or even longer until the “time is right” to start saving you’re literally throwing a few hundred thousand dollars out the window.

    Here’s a tip for you: there’s never a good time to start saving. I hear it all the time. People say they want to wait until they get a better job before saving. Then they want to wait until they settle down. Then suddenly there’s a child on the way, so now they want to wait until the craziness of being a new parent subsides. Then another child is on the way and they are shopping for a bigger house so they want to wait until that gets squared away… Let’s face it. There is always something going on in your life that can be used as an excuse to wait. Stop making excuses and just start! Time is either your greatest asset or your greatest enemy. It’s only up to you to decide how to utilize that time.

    7. Not Setting Any Goals

    The previous six money problems dealt with fairly specific financial decisions gone wrong, but the seventh bad decision isn’t as exact. Instead, it has to do with setting goals. This is a pretty broad topic and really, everyone’s goals will be different. But the problem is that most people don’t take the time to outline specific financial goals. Sure, people tell themselves that they want to save more, invest more, spend less, get out of debt, and all of that, but being that generic is not helpful.

    You need to be specific and set concrete goals so that you can put a plan together to reach them and then have something to track your progress. Instead of just saying you’re going to start building an emergency fund, be specific and say you’re going to set aside $10,000 in 12 months. Ok, now that you have a specific goal set you can start putting a plan in place to reach that goal. You know exactly how much you need to set aside each month to reach that goal ($833) so every month you can track your progress. If you fall short, you’ll know and can then think about ways to make up the difference.

    If you aren’t setting specific financial goals you have no real way of knowing how you’re doing. You want to retire at 60? Who doesn’t? But the real question is how are you going to get there? Just telling yourself that you need to put money into an IRA each year so you can build a nest egg is not enough. Instead, you should be calculating how much money you need to retire, how to allocate your investments so that you can reach that goal, and then hold yourself accountable over the years. Without goals you’re basically adrift in the sea and going wherever the current takes you.

    Don’t Make the Same Mistakes

    Hopefully you can avoid falling into these traps and make better decisions with your money, but don’t get discouraged if one or more of these apply to you. We’ve all been there, myself included. I bought a house for the wrong reasons, spent too much on a car, got a late start in saving for retirement, borrowed a ton of money to try and get a worthless graduate degree, cashed out an IRA in a time of need, and wasted thousands of dollars on useless little things. But if you can identify the problems and admit that you’ve made some mistakes you can learn from them and turn things around.

    Top 12 Money Mistakes Most People Make

    Identifying These Money Mistakes Can Help You Achieve Financial Independence

    Let’s face it. Nobody is perfect, and when it comes to money, we all make mistakes. Our personal finance lessons are often learned through experience, and learning from those mistakes is sometimes the best way to learn. But, learning from your mistakes only works if you can recognize that you made a mistake. If you’re oblivious to the fact that you’re doing something wrong, you’ll never be able to take action to correct it.

    This list is designed to help you identify 12 of the most common money mistakes people make. You may have already made many of these mistakes, but with others, you’ll want to be aware of them so that you can make sure they don’t happen in the first place. This will put you ahead of the game so you don’t have to go back and fix what has already been done.

    1. Not Living Within Your Means

    This is the cornerstone of personal finance regardless of your income or net worth. It doesn’t matter if you make $20,000 or $200,000 a year, if you can’t live within the constraints of the money coming in, you’ll end up in debt. It is simple math: income < expenses = debt, income > expenses = surplus. Sometimes living within your means can be difficult, but if you ever want to make progress in your financial situation, you have to recognize this or nothing you do will matter. You’ll never become a millionaire if you continue to spend more than you earn.

    2. Failure to Budget

    If you can’t identify where your money goes, it will be incredibly difficult to live within your means. The only way to get a handle on your money is to create a budget. It doesn’t have to be a painful or complex process, but at the very least, you need to see where your money goes so that you can determine where money can be saved. A failure to budget is how most people end up living paycheck to paycheck or get into debt.

    3. Lack of Goals

    Just like creating a budget will help you live within your means, goals will help you make progress with your finances. If you don’t know where you’re going, how will you ever get to where you want to go? Saving, investing, and increasing your income is great, but why are these things important? What are you saving for? What purpose do your investments serve? Without goals, you have nothing to benchmark your progress against.

    4. Having Too Much Debt

    To put it simply, having debt sucks. If you owe money, that means you’re just reducing your cash flow to make the payments. Some argue that there is good debt and bad debt. For the most part, I agree. When it comes to owning a home, it is virtually impossible for most people to buy one without taking on some debt. But even a so-called good debt can be bad when you borrow more than you realistically should. The key is to keep debt to a minimum and recognize when you have too much. Just because people say a mortgage is good debt, don’t go and buy a $300,000 house when you can really only afford a $200,000 house. The more you can do to maintain and improve your credit, the better.

    5. Not Saving Enough

    Unfortunately, if you have too much debt, that probably means you aren’t saving enough. The savings rate in this country is extremely low, and the biggest problem is that most people’s paychecks go to pay off various debts such as a home, vehicles, credit cards, student loans, etc. Even if you have debt to repay, you have to save money. This is where it pays off to pay yourself first. Set a savings goal, and treat your monthly savings amount as a bill. If you can find a way to pay your $100 cable bill every month, you should be able to find a way to pay yourself $100 a month in savings. If you treat savings like any other bill that has to be paid, you’ll slowly begin to build up some savings.

    6. Inappropriate Amount of Savings

    When you aren’t saving enough, chances are you’re cash reserves are too small. Most people recommend that you keep between 3 and 6 months of expenses on hand in your savings so that you can weather an interruption of income or emergency without turning to taking on more debt. How much you should set aside is dependent on a number of things, but you should have an emergency fund available to help. On the other hand, you can have too much in your cash reserves. I’ve seen people with well over $100,000 in savings while not even putting any money into IRAs or retirement accounts. So, while it is more common to not have enough savings, you can have too much cash on hand that could be better used elsewhere.

    7. Lack of Estate Planning

    The word ‘estate’ conjures up images of wealthy families giving away millions of dollars worth of assets to heirs upon someone’s death, but that couldn’t be further from the truth. Even your typical family has estate planning issues to be concerned with. It all starts with a will. Even if you don’t have a ton of assets, you should have a basic will. This ensures that what assets you do have go to the people you want. Aside from a will, you want to make sure your beneficiaries are updated on all of your accounts. An untimely death with outdated beneficiaries could really put your survivors in a bind. And don’t forget life insurance if you’re married or have children. Think about the financial consequences to them if you were no longer around.

    8. Ignoring Disability Insurance

    Nobody likes paying insurance premiums, but in the event you need to make a claim, they are life savers. Disability insurance is often overlooked, but it can be one of the most important policies you can own if you or your family rely on your income. The number one cause of bankruptcy and foreclosure is disability. Sometimes just a seemingly minor injury can put you out of work for months, years, or even the rest of your life. And don’t expect Social Security disability to pick up where you left off. If you insure your life, you should insure your income as well.

    9. Lack of Diversification

    You’ve heard the phrase, “don’t put all of your eggs into one basket” before, and this applies to investing more than anything. The investment landscape is incredibly diverse. You have real estate, domestic stocks, foreign stocks, government bonds, corporate bonds, various capitalization of different stocks, money markets, and so on. From month to month, and year to year, each of these asset classes has their day in the sun and perform the best. The problem is, it is virtually impossible for most people to correctly pick the best asset class for any given time frame. So, instead of trying to guess, you should be diversified. As you spread your money out across asset classes, you minimize your risk and maximize your return.

    10. Losing Focus

    The current bear market in the first part of 2008 is a classic example of this. If you’re someone who has 20 or more years until needing to tap into your investments, you can’t let a few bad quarters derail your investment plan. Sure, losing money isn’t any fun, but making drastic decisions based on a few bad months will only do more harm than good if you’re trying to plan for the long term. Don’t lose focus, and keep your eye on the prize, and only make minor adjustments as needed.

    11. Being Naive

    You, and only you are responsible for your financial well-being. It isn’t up to the government to protect you from your mistakes, and you shouldn’t expect the public education system to adequately prepare you for your financial challenges. The only way to make sure your money is working for you and that you’re getting ahead is to educate yourself and actively keep track of your finances. If you ignore your finances, or put your head in the sand hoping your debt will just go away, you’re sure to have a long and hard financial road to travel on. If you’re reading this blog, that is a great start, and there are many more out there that can help you become financially educated.

    12. Not Asking for Help When You Need It

    Even if you read a bunch of finance books and keep up with the financial blogs, there are times when you could use professional help. If you honestly need help with something, either taxes, estate planning, or even choosing a portfolio, don’t try to be macho and go about it alone. It is okay to seek professional help if you really need it, and even if it costs a little bit of money, it could save you from losing even more. Think of it like this: sure, you can go to WebMD and learn about and diagnose your symptoms, and possibly even alleviate the symptoms, but it doesn’t make you a doctor. If you aren’t comfortable with handling your health completely on your own, your major financial decisions shouldn’t be any different.

    10 Misconceptions about Retirement Security

    Retirement is one of the most important goals for most people. Unfortunately, many workers and retirees have an incomplete or misleading picture of how much they need to save, how to invest their savings effectively, and how to make their money last as long as they live. Clearing up common misconceptions about retirement is essential to allow people to fulfill their dreams of a comfortable retirement.

    A joint project by LIMRA International, the Society of Actuaries and Mathew Greenwald & Associates identified the following 10 ways in which Americans lack a realistic understanding of retirement saving.

    1. Saving too little – Most people haven’t tried to estimate how much money they will need for retirement and those who have tried to do the calculation often underestimate their income needs.
    2. Not knowing when retirement will occur - Many workers will retire before they expect to, and before they’re ready.
    3. Living longer than planned - As individuals manage their own retirement funds, they may not understand that life expectancy is a very limited planning tool. In fact, some retirees will live long beyond their life expectancies, with a substantial risk of outliving their savings.
    4. Not facing facts about long-term care – Many people underestimate their chances of needing long-term health care. Relatively few people either own long-term care insurance or can afford to self-insure an extended long-term care situation.
    5. Trying to self-insure against long life - Although people may find guaranteed lifetime income attractive, in practice they usually choose to receive retirement plan benefits in lump-sum form. They pass up opportunities to get a lifetime pension or annuity, failing to recognize the difficulty of self-insuring their longevity.
    6. Not understanding investments – Due to the growth of the workplace retirement savings plans, workers are now largely responsible for managing investments for retirement. However, many workers misunderstand investment returns, expenses, and how each investment vehicle works.
    7. Relying on poor advice – Many retirees and pre-retirees indicate a strong desire to work with a financial professional, yet fail to see this guidance.
    8. Not knowing sources of retirement income – Workers often don’t understand what their primary sources of income will be in retirement. They may be surprised and disappointed when they try to live on the income that is actually available.
    9. Failing to deal with inflation – Inflation is a fact of life that workers may deal with through pay increases, but after retirement few people can increase their income to keep pace with the cost of living.
    10. Not providing for a surviving spouse – Many married couples fail to plan for the eventual death of one spouse before the other.

    Identifying these common misconceptions is an important first step. If you recognize yourself in any, or many of these scenarios, take corrective action right away. Get an accurate estimate of your retirement income needs, identify your sources of income after retirement and understand your investment and distribution options. Take the time to educate yourself in areas of personal finance and retirement planning, and if needed, seek advice from a professional.

    How to Save Money by Shopping for a Car Online

    Shopping for a new car isn’t much fun. It’s a major purchase and important decision so it’s usually a stressful experience. If you’re not careful, it can even be a costly mistake. Others are simply intimidated by high-pressure sales and don’t know how to deal with a car salesman.

    Whether you’re buying new or used, it’s important to do your research before buying the car and to save as much money as possible. Thanks to the internet, saving money on your next vehicle purchase has never been easier.

    10 Steps to Savings

    Step 1: Determine which type of vehicle you want. Review all of the different makes and models that are available and which ones are in your budget. Consider your needs as far as size, fuel efficiency, and features. Once you have narrowed it down to two or three potential vehicles, compare each of the options in detail. Creating a spreadsheet is a great way to compare the features between different cars. Some sites will also have a comparison feature that can help.

    Step 2: Do some real world research. Some Once you have done your online research and have a few models in mind, it’s time to do some real world research. Go to your local dealerships and discuss your potential cars with dealers and see which car you like the best in person. Also, taking a test drive is a great idea. Keep in mind that your intention isn’t to buy anything yet. Don’t let the salesman show you other models or talk you into looking at something you didn’t already have in mind. After you get home, compile the information you learned from your hands-on experience with the previous information which you ascertained from the web. This should help you narrow your choices down.

    Step 3: Search for the best price. Once you have read all of the available reviews and have taken the potential cars out for a ride, it’s time to start looking for the best price. Use sites such as CarsDirect.com and Edmunds.com to compare the prices and to see which manufacturers are offering incentives. You can also learn the True Market Value of all vehicles. For used cars, you can also use the Kelley Blue Book to determine what the appropriate price for the vehicle is. There are several websites which you can visit to research and look for the best price. These include MyRide.com, AutoTrader.com, CarsDirect.com, eBay Motors, and many more.

    Step 4: Verify your findings. After you have researched the model of the car and the various options which are available online, you can also order your potential car’s cost report from ConsumerReports which costs around $12. This data will serve to verify the data which you have previously found and it will also uncover any incentives the dealers are offering.

    Step 5: The next step is to locate potential dealers (or private parties if buying used). Probably the easiest way to do this is to simply go to Google and search for “car dealers” with the location option turned on. This will typically give you a whole series of local options, show them on a map, and provide website information and phone numbers. Some dealers even have online pricing specials or coupons, so make sure you check their site before making the trip out there. Finally, don’t be afraid to look at dealers a little ways from where you live. Wouldn’t it be worth it to make a half hour drive if it saved you a thousand bucks?

    Step 6: Search inventory. Most car dealers are smart enough to put their inventory online so it makes shopping easier than ever. So, after picking out the potential dealers you should be able to browse their current inventory to see what they have on the lot. This will give you a heads up as to whether or not a car with the features you want will be available or need to be ordered.

    Step 7: Contact and negotiate. If they list prices right on their website, great. You already have a starting point. In some cases you will have to call or email for a quote, so do that if necessary. After a dealer comes back with a price it’s time to see if you can get it down to your price. You’re armed with all of the information you need about car values so you have some room to work. Insinuate that you have found better prices elsewhere or that their competitor across town was throwing in some extra incentives and they will often lower their prices to avoid losing any business. It is certainly possible to get a better price than what’s listed or the original quote. Use these car buying tips to make sure you avoid the biggest traps.

    Step 8: Put the pressure on them. In order to make sure that you have the lowest possible price, keep trying to bring them lower. Once the bidding slows down, you should let the dealer know that you are aware of their incentives and costs and you should offer a price that will allow them to earn a few hundred dollars including incentives. The majority of dealers will accept this offer, especially towards the end of the month when a sales quota is involved. Remember, you are in control and can walk away at any time so it pays to be persistent.

    Step 9: Don’t accept additional unforeseen prices. Some dealers will try to add additional charges such as advertising fees, taxes, extended car warranties, and delivery charges. Don’t let this happen. Remember, the whole reason you did all of your legwork online was to avoid all of the tricky sales tactics and the upsell, so don’t cave in at this point.

    Step 10: Buy the car. Keep a record of all of your communications so that you know that the deal which you made will be honored. If they try to pull a bait and switch on you it pays to have any emails, correspondence, and printouts from their website to back your claim. And as always, read the fine print before signing anything!

    Using the web to assist with your next car purchase can literally save you thousands. The worst thing you can do is just walk into a dealership without doing any research and spending hours being beaten down by a trained salesman. You’ll likely end up buying more car than you need and spending much more than you had to. Doing your research first will put you in the driver’s seat and ensure you don’t spend a penny more than you have to.

    28 Tips to Save Money on Car Expenses and Save Thousands of Dollars

    There Are Many Ways to Save on Car Costs

    Do you own a car? You probably do, and that means you probably know how expensive it can be. Did you know that the average person will spend over $500,000 on vehicles and vehicle-related expenses over their lifetime. It really starts to add up. Vehicles don’t last forever so you need to replace them over time, you need to put gas in them, and then you have to think about insurance and maintenance–and that’s just in today’s dollars, not adjusted for inflation. Half a million dollars just to drive a car. When you think about it, that is kind of absurd when the average retirement account balance for most baby boomers these days is under $50,000. No wonder our cars are making us poor. How wealthy would we all be if we took the money spent on owning a car into an investment account?

    Unfortunately, cars are a necessity for most of us. Without an extensive public transportation system we rely on buying our own cars so we can get around. It’s one of those things that we can’t escape. But just because it’s a necessary expense that doesn’t mean there aren’t ways to save on your car expenses. In fact, if you’re good you can literally save hundreds or thousands of dollars each year on your vehicle expenses. Save $1,500 a year for the next 40 years and that puts $60,000 in your pocket. Then if you use that savings wisely you’ll be living comfortably in your later years. Here are 28 tips that can help you save money on your car expenses.

    How to Save Money on New Car Purchases

    • Keep your car longer instead of trading in or upgrading every couple of years. Not only does the cost of new cars rise each year, but cars depreciate quickly, and when you trade frequently, you lose money on low trade-in values. And don’t forget about interest if you have to finance part of the purchase. Buy a good quality car and keep it for at least five to seven years. Potential Money Savings: $400-1,000/year.
    • When buying a new car, consider the smallest model for your needs. Smaller cars are often cheaper, and because they’re lighter, they usually get better gasoline mileage. In addition, insurance tends to be cheaper on most cars compared to a large SUV. Potential Money Savings: $400-600/year.
    • When buying a new car, consider the impact that various options have on fuel economy. For example, you sacrifice a few miles per gallon when using air conditioning on the highway and even more in stop-and-go traffic; automatic transmissions get about five miles per gallon less than manual transmissions; and six-cylinder engines get about four to five mpg less than four-cylinder engines. Potential Money Savings: $400/yr or more by choosing the right options.
    • Don’t buy credit life or credit disability insurance through your car dealer when purchasing a new car. Some dealers do a hard sell on these coverages, but they are highly overpriced, and if they’re folded into your car loan you not only end up paying 100% to 500% more than you should for the coverage, you also pay interest on it. Stick to regular life and disability insurance through your employer or an individual policy. Potential Money Savings: $300-500.
    • Be extremely wary of purchasing service contracts or extended warranties on new automobiles through your dealer. Many of them have very limited coverage (in spite of what the salesman may lead you to believe) and they cost much more than policies purchased directly from providers. Make sure you understand what your current warranty covers so you’re not just throwing money away. Potential Money Savings: $500-1,000.

    How to Save Money on Maintenance

    • Keep your car properly tuned. A poorly tuned car uses between 25% and 33% more gasoline each year. It’s also cheaper to pay the cost of a tune-up than it is to repair a major problem. Potential Money Savings: $50-100/year.
    • Change the oil and oil filter in your car according to your owner’s manual. A 3,000 mile oil change may not be necessary since many cars are now built to go much longer between oil changes. Potential Money Savings: $50-100/year.
    • Check your car’s air filter monthly. A dirty filter drags on engine efficiency and reduces gasoline mileage up to 10%. You can clean the filter by removing it and blowing it with an air hose, or you can replace it. Potential Money Savings: $130/year or more.
    • Use the proper tires for your vehicle. Having extra wide, large, or performance tires may drag on your gas mileage.  Potential Money Savings: $100/year or more.
    • Unless your manual suggests it, don’t waste money on premium gasoline. For most cars, premium gasoline offers no benefit. Unless your car has a high-performance engine and your manufacturer recommends a high-octane gas, use the less expensive gas. Premium gas costs 10% to 15% higher than regular. Potential Money Savings: $200-400/year.
    • Check your tire pressure regularly. You can improve your gas mileage by around 3.3 percent by keeping your tires inflated to the proper pressure. Under-inflated tires can lower gas mileage by 0.3 percent for every 1 psi drop in pressure of all four tires. Properly inflated tires are safer and last longer.. Potential Money Savings: $100-250/year.
    • Add thousands of miles to the life of your tires by having them balanced and rotated once a year. In addition to destroying the tread, improperly balanced tires can wear out your shock absorbers and damage your suspension system, leading to more expensive repairs. Potential Money Savings: $125-200/year.
    • Check fluid levels regularly. Make sure your power steering and radiator fluids are at proper levels with each oil change. Also check automatic transmission fluid, brake and clutch fluids. A bottle of fluid costs just a couple of dollars. Replacing a broken or worn part due to low fluids will cost you hundreds. Potential Money Savings: $50-300/year.

    Save Money on Gas

    • Pump your own gas if you can. Self-serve gas is usually 5% to 10% cheaper than full service. Potential Money Savings: $50-100/year.
    • Combine errands when driving. If you plan your drive so that you hit all of your errands in one outing instead of making extra trips you’ll save on gas. If you save just 10 miles a week that’s over 500 miles each year. Potential Money Savings: $25-75/yr.
    • Purchase your gas with a cash-back rewards credit card. You can likely save up to 3% on all future gas purchases. Potential Money Savings: $50-100/year.

    Save Money on Insurance

    • Ask your insurance agent how much money you can save by raising the deductible on your auto collision insurance. Often, raising the deductible from $250 to $500 can save you 10% to 30%. Increase it from $500 to $1,000 and save even more. If you have a good driving record, you could come out ahead. Potential Money Savings: $50-225/year.
    • Make sure you notify your insurance company of all the safety features that qualify you for discounts on auto or homeowner’s insurance, such as automatic seat belts or air bags in your car, smoke detectors in your home, etc. Non-smokers or non-drinkers can often get additional discounts and it requires little more than letting your insurer know. Potential Money Savings: $50/year.
    • If you drive an older car, consider dropping collision and comprehensive coverage (but don’t drop liability coverage). Collision coverage is required if you have a car loan, but for older cars that you own free and clear, weigh the car’s book value (what the insurance company would pay you if the car was totaled) against your collision premiums. If your car is over five years old or is worth less than just a couple thousand, keeping collision and comprehensive coverage may not be worth what you’re paying in insurance premiums. Potential Money Savings: $100-300/year.
    • Before buying a new car, ask your insurance agent whether the model you are considering will require a surcharge due to higher theft, damage or repair costs. Certain vehicle makes and models do carry higher premium.  Potential Money Savings: $50-200/year.
    • Shop around for insurance. If you’re getting good service from your company and are happy with the rates, you may want to stay with them, especially if you have had accidents or tickets. But if your record is good, shop around to see how much you can save, then decide if the savings are worth the switch. Potential Money Savings: $50-200/year.
    • Consider combining your auto and homeowner’s insurance under one policy. Many insurers give a 5-10% discount for having multiple policies. Potential Money Savings: $50-200/year.
    • If you have a high school or college student under 25-years old in your household, ask about the good student discount for auto insurance. If your student qualifies, you could save up to 25%. Potential Money Savings: $100/year or more.
    • This is common sense, but avoid tickets for speeding or moving violations. Many insurance companies give a discount of up to 20% if you have not had an accident or ticket for three years or more. Potential Money Savings: $100/year or more.

    Save Money While Driving

    • Car pool to work if you can. By sharing the drive with just one other person, you could save an average of $20/month or $200/year in gasoline alone, if your commute is 20 miles round-trip each day. Sharing the driving with two others increases your savings even more. Savings vary depending on the length of your commute and the current price of gas. In addition to savings on gasoline, you’ll save maintenance costs and wear and tear on your car. Potential Money Savings: $400-700/year.
    • Another benefit to car pooling is that it reduces the annual mileage on your car. Since this reduces the risk of accident, your insurance company may charge you less for your coverage. Potential Money Savings: $25-50/year.
    • Wasteful driving habits can double your fuel consumption. Develop gas-saving habits, such as: (1) always accelerate gently (2) watch traffic ahead of you so you can anticipate slow-downs and avoid stops (3)coast up to traffic jams by lifting your foot off the gas pedal instead of approaching at full speed and slamming on the brakes. It takes 20% more gas to accelerate to normal speed from a full stop than it does from four or five miles per hour (4) don’t drive too fast or too slow. It takes 20% to 30% more gas to drive at 70 mph than 50 mph (5) maintain a steady speed on the highway by using the cruise control. Avoid getting stuck behind slow cars where you have to slow down to their pace and then speed up to pass. Potential Money Savings: $200/year or more.
    • Don’t warm your car up by letting it idle for lengthy periods of time. Modern car engines are running efficiently just seconds after ignition so a long warm-up time is not necessary. And idling wastes about a quart of gas every 15 minutes. Potential Money Savings: $20/year.

    Hopefully you’ll be able to use some of these tips to keep your car expenses to a minimum. Saving $20 here and $50 there really does add up. There are probably other tips out there, so what have you found works best for you when it comes to saving money?

    Signs That You Could be in Financial Trouble

    1: Little or No Savings

    In this series I am covering the 24 tell-tale signs that you could be in financial trouble. Over the next few weeks I will be presenting these signs, how to identify them and tips on how to address the issue.

    It probably doesn’t come as much of a surprise that not having adequate or any savings at all is a sign of financial trouble. The reason this is the first sign on the list is that bad things happen to good people, and more often than not these are unexpected events. Without a safety net of some sort of savings or emergency fund you are setting yourself up for getting into even further financial trouble.

    Things happen all the time and it is part of life. Whether it is a loss of income, a natural disaster, accident, unexpected sickness or even an unexpected child there are many possibilities out there that could impact you. We hear stories in the media all the time about people suffering from one thing or another and it is easy to conclude that it won’t happen to you. This is a big mistake.

    Clearly if you have absolutely no savings at all it is a sure sign that you could face significant financial troubles in the event of something unexpected. But what if you currently do have some savings, is it enough? There are many different schools of thought on this; some say three months of expenses while others say six. Clearly the more savings you have the better but this is not an easy thing to achieve and generally doesn’t happen right away.

    Getting Started

    Perhaps the most difficult aspect of saving money is actually taking that first step. If you don’t have any or much savings it is probably because money is tight, so the thought of putting money aside when there are other bills to pay may be quite stressful. If you don’t have one already you need to open a savings account. This could be through your local bank or credit union or through one of the online savings options such as ING Direct. The most important feature of this account should be that it allows you to make systematic and automatic contributions.

    Next, you need to determine the frequency and amount of money to save. If it isn’t an automatic process you will probably end up unable to keep your commitment to save. For starters you should determine how frequently you want money to be deposited into your savings account. The more frequent the deposit the less you will feel it. If you are paid weekly, great. Either set your direct deposit with your employer to deposit part of your paycheck into the savings each week. If you don’t have direct deposit or don’t want to hassle changing it you can do the same thing with automatic transfers from your checking account. Each payday simply schedule an automatic transfer into your savings. If you are paid bi-weekly you can follow the same steps. Coordinating deposits with pay will lessen the impact of that money leaving your account.

    One of the difficult things to consider when establishing a savings plan is determining how much to save. When you look at the dollar amount required to cover a few months worth of expenses can be very discouraging. The key is to try not to look at the ultimate dollar amount and instead look at it on a monthly basis. Generating savings will take time so if you can look at it on shorter terms it will seem like an obtainable goal.

    Start Small

    When things are tight it is hard to let go of any money. If this is the case you just need to start small. In an example let’s say you are paid bi-weekly. Would $10 coming out of your paycheck really be noticed? Probably not. This comes to only $20 per month, which you are probably saying is almost nothing. That is true, it isn’t much money and at that rate it would take years to save up enough money to fund your savings. That isn’t the point. The point here is to establish something, even if it is small. This establishes a good habit which is what you need in order to be successful in creating savings.

    Once you have established a regular and automatic deposit into your savings you will generally not even notice that money coming out after a few deposits. You begin to forget and just adjust your spending to work within the new net income. This is the point in which you need to make changes. If you get used to $10 or $20 coming out per paycheck, bump it up after a month or two by another $10 or $20. Let that new amount come out for a few paychecks or months and then add a few more dollars to this amount. This gradual process will reduce the shock and allow you to slowly build up your savings.

    Remember, this doesn’t happen overnight and don’t expect it to. Most people get discouraged simply because it seems impossible to save a sizable amount of money in a short amount of time. So start slowly and with modest amounts, then adjust those amounts in small increments over time. Before you know it you will be saving enough money to adaquately build your savings in a reasonable amount of time. The real key is to get into the habit of saving money regularly. Time will take care of the rest.

    2: Lack of a Budget

    In this series I am covering the 24 tell-tale signs that you could be in financial trouble. Over the next few weeks I will be presenting these signs, how to identify them and tips on how to address the issue.

    You may be setting yourself up for trouble if you don’t have a budget, or if you do, don’t refer to it on a regular basis. Two of the most important actions you can take to stay out of financial trouble both involve budgeting.

    First, you simply need to create a budget. And by budget I don’t mean using some generalized ballpark numbers, you need to really get into detail for the budget to be effective. This budget needs to take into account all sources of revenue and all expenses in the household.

    The second action is to establish a lifestyle that fits within your income and your budget. Unfortunately this may mean cutting back on spending or changing your lifestyle a bit to make it work, but these changes are necessary. Along with living a lifestyle that works within your constraints you need to review your budget regularly. Life is rarely static and your budget will change. Your income may change, tax rates may change, interest rates change and emergencies arise. These events need to be factored in on a regular basis in your budget.

    A Blueprint for Success

    Think of your budget as the blueprint of your personal finances. If a builder needs a good blueprint to build a house who says you don’t need a blueprint to build wealth? Sure, you can build a house without any formal plans because homes use certain materials and basic design principles. But will this house be structurally sound? Will it meet code? Will there be some design conflicts along the way? You bet.

    The same goes for your finances. You can go through life without a financial plan and make out fairly well, but will you encounter trouble along the way? Like building a house our finances have some basic building blocks and principles that are used: income, expenses, taxes, savings, investing, etc. Even though we are aware of what it takes to create wealth and live financially sound, without a detailed blueprint it makes that job a bit more difficult.

    Getting Started With a Budget

    Nobody likes the idea of sitting down and digging into the details of their finances to create a budget. This initial step is often the hardest to complete. Creating a budget doesn’t have to be a long and unpleasant experience. In the past I have discussed getting started with a budget and there is even a very easy to use downloadable worksheet you can use to get started today.

    Finally, a budget is only as good as the data you use — garbage in, garbage out. Be honest with yourself and be as accurate with the numbers as you can. You won’t be doing yourself any favors by guessing or fudging numbers because they look better on paper.

    3: Lack of Sufficient Health Insurance

    In this series I am covering the 24 tell-tale signs that you could be in financial trouble. Over the next few weeks I will be presenting these signs, how to identify them and tips on how to address the issue.

    Insurance is an aspect of our finances that are not very exciting but extremely important. One of the most devastating events that can happen to an individual or family is when someone suffers a severe and unexpected medical problem. What do you do when you are faced with a $500,000 medical bill from the hospital?

    If you have health coverage either through your employer or with an individual plan you will probably simply look over the bill to check for accuracy and then pass it on to your insurance carrier. If you don’t have any or insufficient coverage you will look at the bill in shock. You will then come to a realization that this bill is unpayable. Where will this money come from? This situation is all too real and it is something you hope to never have to experience.

    Why is Health Insurance Important?

    The need for fairly significant health insurance for the typical healthy adult doesn’t come up all that often. How long has it been since you had an operation or overnight stay in a hospital? A few months ago? A few years ago? Never? Like most types of insurance you hate dishing out that premium every month when it feels like you never need the insurance. This is the kind of thinking that gets many people into trouble.

    While it is true that you can go decades without ever needing more than a checkup with your family doctor, it is the unexpected accident or illness that can bankrupt even those with solid finances. Even a fairly minor medical ordeal can cost thousands of dollars. For example, a normal uncomplicated pregnancy will easily cost over $5,000. If this money has to come out of your pocket it will deplete your savings in the blink of an eye. If the bills are more severe you could be left to emptying your retirement accounts or selling off assets to pay the bills. And if that isn’t enough you could be faced with garnished wages, losing your home or even bankruptcy.

    What Can I Do to Make Sure This Doesn’t Happen to Me?

    As you are probably aware, health care is not cheap. Luckily most employers provide group plans that you can participate in, but even this may not be all that affordable. If you are employed and your employer does provide health benefits it is important you take a look at your options. If you have a spouse and they also are eligible to participate in their employer’s plan be sure to understand both plans very well. Determine what coverage is offered and how much it costs. Regardless, an employer group health plan will almost always be the cheapest way to obtain full health coverage.

    What happens if you are self-employed or your employer does not offer a group plan? Unfortunately in situations like this it is up to you to foot the full premium. One of the most highly-acclaimed resources for checking into health insurance and comparing quotes is eHealthInsurance.com. This site is recommended by Money Magazine, Kiplinger, and even though I hate to say it, Suze Orman. While you will still probably be shocked to see what some of these policies cost it makes finding the best coverage that much more important.

    Don’t Underestimate Your Employer’s Benefits

    People are quick to change jobs in search of a little bit higher pay and most pay very little attention to the other benefits that are provided. When looking for a job or evaluating whether or not to leave your current job take extra care in examining your “total compensation package.” There is more to compensation than your salary. Consider what types of insurance is provided and what the premiums are. It wouldn’t make a whole lot of sense to jump to another job for an extra $5,000 a year if they didn’t offer health insurance or premiums for the same amount of coverage was double what you are currently paying.

    It is easy to put a value on what your salary is, how much paid time off you receive and even retirement plan options. But quantifying the value of insurance is not as easy. Unfortunately we don’t completely understand the value of insurance until we need it, and by then it is too late to make changes. Be proactive and establish coverage before you need it.

    4: An Unhealthy Attitude About Money

    In this series I am covering the 24 tell-tale signs that you could be in financial trouble. Over the next few weeks I will be presenting these signs, how to identify them and tips on how to address the issue.

    Something as simple as your attitude about money can have a significant impact on the financial decisions you make. So what does it mean to have a healthy attitude about money? Here are a few questions you can ask yourself:

    • Are you a buy now and pay later kind of person or do you save now and pay in full later?
    • Are you willing to wait or do you demand immediate gratification?
    • Is your shopping out of control?
    • Do you have trouble saying no to yourself, kids, spouse or others?
    • Do you waste money on gambling?
    • Do you spend too much on tobacco or alcohol?
    • What is more important to you: buying something or watching your money grow?

    It is possible to do almost everything right in regards to finances yet have it all undermined by some unhealthy money traits. The questions above are just a starting point when looking at how you treat money. Maybe many of these apply to you or maybe just one applies. Either way, certain traits can have an impact on your financial success.

    Whether you find yourself spending money when you aren’t feel good about yourself or you simply have a hard time saying no to your kids these actions can put your long-term goals in jeopardy. It may not seem like much money at the time but that isn’t the important part. It is that these can become habits. What may be small things now can evolve into a habit or attitude that can spiral out of control later in life.

    Addressing Unhealthy Traits

    This doesn’t mean you can’t buy things for pleasure and enjoy life, but what you need to recognize is when you are carelessly spending money for an underlying reason. For example if you go to the mall and shop when you are feeling depressed, that is an unhealthy trait. Not only are you spending money based on emotions but you are reinforcing this behavior subconsciously. You begin to attribute a sense of feeling good when you are down by spending money. This is a bad long-term habit to get into.

    It is important to be honest with yourself and your habits. Many of these traits we aren’t even fully aware of. Don’t be discouraged if you find yourself with these unhealthy traits. They don’t make you a bad person, they just make it more difficult to reach your financial goals. Like any habit they can be difficult to break so start slowly.

    5: Depending on Parents, Friends or Others to Help You Out

    In this series I am covering the 24 tell-tale signs that you could be in financial trouble. Over the next few weeks I will be presenting these signs, how to identify them and tips on how to address the issue.

    To be financially independent you have to pay your bills. If you continue to depend on others to help you out when you are running low on cash, you are not independent. While emergencies to arise and you may need to borrow money from others on rare occasions, if this is happening regularly to help you pay the rent, make a car payment or even buy groceries, then you are already in trouble.

    As with the other signs you have to be honest with yourself. Do you pay your own way or do you rely on others to make up the difference? When thinking about this it is important to consider that “others” don’t have to be people. This can also mean credit cards or loans. Do you find yourself running short of cash at the end of the month and need to put some bills on a credit card? It doesn’t matter if you borrow the money from family or borrow it from a creditor, if you don’t have the money available you are facing trouble.

    Make Changes in Your Life

    If you find yourself seeking help from outside sources just to pay your essential bills you need to take a hard look at why this is. Is it because of a lack of income or loss of income or is it simply a case where you spend more than you earn? Finding the underlying cause will be critical in rectifying the situation.

    If lack of income is the cause you need to try and find additional income as soon as possible. Unfortunately this is easier said than done. It could mean getting a second job or having a non-working spouse begin to work. While it may not be the most fun way to get back on track it is key to becoming financially responsible. To accelerate this process even more, find additional income while at the same time cutting expenses. Not only will you have more money to pay the bills, but having fewer bills will allow you to reduce that debt or build a savings even faster.

    If you already have a decent income but find money tight because of expenses simply finding more income won’t solve your problem. This is a case of spending as much or more than you make. It could be you are simply repaying old debt, it could be living in more house than you can afford. Whatever the case may be there are probably unhealthy attitudes about money that has led to this point. Here you need to really focus on creating a budget and learning to manage your spending habits appropriately.

    Financial independence leads to wealth and it is up to you to make the right decisions with your money. Relying on others, whether friends and family or on credit will impede your progress towards becoming financially independent over the long-term. Borrowing can be a short-term solution and is sometimes unavoidable, but using it as a crutch to get through life will hold you back from reaching your goals.

    6: Lack of Adequately Funding a Retirement Account

    In this series I am covering the 24 tell-tale signs that you could be in financial trouble. Over the next few weeks I will be presenting these signs, how to identify them and tips on how to address the issue.

    This one may go without saying but it certainly still needs to be mentioned. If you fail to adequately fund a retirement account you may find yourself living a retirement lifestyle not much better than living in poverty. There are simply far too many uncertainties out there to rely on outside sources of retirement income to simply ignore saving money yourself.

    Unfortunately it isn’t always easy to save money, especially when you are younger. Throughout your 20s and 30s you may be working primarily to pay off student loans, buy a home or start a family. Generally retirement seems so far off that the last thing you want to do is put money aside for it. Still, if you don’t start saving and investing in a tax-qualified retirement plan as soon as possible you are missing out on one of the greatest opportunities available to you.

    Saving for Retirement Doesn’t Have to be Hard

    Saving for retirement doesn’t mean you have to feel like you are denying yourself other things. For many people, employers make saving for retirement as easy as signing up and having money come directly out of their pay check. On top of that, many employers offer matching programs where you can essentially earn free money simply by participating. Saving for retirement doesn’t get any easier than that.

    If your employer doesn’t offer a retirement savings plan or their plan has poor investment options or high fees you still have easy options available. You can typically open an IRA account, either Traditional or Roth and begin saving for retirement in those accounts. Unfortunately you may not be able to have money automatically deducted from your pay check nor receive a company match, you can set up small automatic deposits into these accounts just as easily.

    Retirement is Your Responsibility

    When it comes to retirement you are solely responsible for how you want it to be. You are foolish to think that the government or your company’s defined benefit plan will be there to support you. While there certainly may be some help from outside sources it is up to you to take control of your retirement finances. Will Social Security be there for you? Will your pension, if you are lucky enough to have one, be enough?

    It is doubtful you will be able to live a lifestyle you desire with just Social Security and a pension, provided you receive both of these. Recent studies show that current retiree households find that Social Security and a pension combined make up only 50-54% of their needed income. This means you still need to find a source for the other half of your income in retirement. Some do this by still working, others start a business, and some utilize their retirement savings to generate this income. The real problem is that we don’t know what our health will be in retirement. Will you be healthy enough to work? Will your health require additional health care costs that increase your income requirements?

    With so many unknowns about the future it is foolish to assume anything. Sure, maybe you are 30 years old right now and you don’t think you need to save for retirement because after 60 you’re going to continue to work part-time or start your own business. That sounds fine on paper but you have no way of knowing what will happen tomorrow let alone 30 years from now.

    Don�t Delay

    Regardless of your age it is never too early to start saving for retirement. If you don’t think you have money to spare it is just fine to start small. Even if it is only $20 a month it is far better than nothing at all. Time can be either your greatest asset or your worst enemy. Compounding interest works on any amount of money whether it is $100 or $100,000.

    If you start early even a small amount will grow significantly over time. But once time has passed, you can never get that time back. Every week, month or year that passes is gone forever and you cannot get it back. The only thing you can do is to save even more money to try and make up for the time you lost. What will hurt more, saving $20 a month now or $200 a month ten years from now?

    10 PROVEN WAYS TO ACHIEVE YOUR GOALS

    We live in a society that talks negative and looks down on people that dream. You’ve heard the sayings, “Stop Day Dreaming”, “Only In Your Dreams”, Wake Up Your Dreaming”. The fact of the matter is, before you are able to reach your destiny, calling and fulfillment in life, you first receive it in a vision and/or dream, so that when it shows up again in your life you are able to recognize it.

    Side Note: The Mind Functions In Two Parts To Replay The Past And Pre Play The Future. So when you dream about something that you want to accomplish your mind will pre-play your future accomplishing what you want to accomplish.

    Before anyone reaches their full potential and destiny in life, they first dream about what they can become, in this article I will reveal to you 10 proven ways to make your dreams come true and reach your ‘calling in life’. But before I do let me say, “You will never be fully fulfilled and happy in your life until you find your purpose and your purpose is also shown in a vision and/or dream.

    This article is designed to help you not only find your purpose in life but, lead you into the right direction to your success.

    10 proven ways to achieve your dreams in your life…

    1. Your Dream Should Never Be Barrowed…
    How many times have you gotten excited and passionate about someone else’s pursued to their goals. You ended up helping them reach their goals in life only to not be excited about what you have done in your life. We are all sometimes victims of this. What we need to continue to do is ask ourselves consciously and sub-consciously, am I happy and when this is done will this make me happy. You can only be happy accomplishing your own dreams not someone else’s.

    2. Your Dream May Need Encouragement From Other People At First…
    Athletes understand this more than anyone else. Your dream will always require a mentor not a friend; but a mentor. A friend is comfortable where you are currently in your life; a mentor recognizes what you can become in your life. A mentor will reveal to you all of your obstacles before they even come to you.

    3. Your Dream Does Not Require The Approval Of Everyone You Love.
    Believe it or not family and friends can sometimes hurt you in pursuit of your destiny. In short some will envy you, some will say negative things about you, and some will be so self absorbed in their own lives. The best thing to do is to be wise in sharing your dreams and visions for your life.

    4. Your Dream Can Start With Whatever Is On Your Heart Today.
    We sometimes talk ourselves out of what we want to do, before we attempt to do it. Every accomplishment small or big starts small. If you have a dream all you need to nurture it is desire. God will tell you what to do; it’s your job to do it.

    5. You Already Posses What It Takes To Launch Your Dream- DESIRE.
    If you feed your dream with passion, it will become strong with desire. Fuel it with desire it will become an obsession. Your obsession will become a magnet that pulls others towards you to help you accomplish your dreams.

    6. You Must Have An Obsession To Reach Your Dream.
    When you are obsessed with your dream, it will determine what you do first every day. You will only be as successful as your daily habits.

    7. Your Dream Requires Your Immediate Attention.
    You must move on your dream now. Remember movement is the evidence of life.

    8. You Must Build Your Daily Agenda Of Goals Around Your Dream.
    Set small daily goals pushing you closer to your dreams. Write down your goals for your dream because without a goal you have a wish. Goals will able you to measure your accomplishments.

    9. You Must Nurture Those Relationships Connected To Your Dreams.
    Always mention your dream in every conversation. And find a way to encourage people in your life to give you gifts and encouragement connected to your dream.

    10. Your Dream Deserves Your Total Focus.
    The only reason we fail in anything is because lack of focus. Focus un-clutters you from un-necessary people, places, and things in your life. It’s like kryptonite to every person that will hinder you from reaching your destiny.

    The Magic Motivator Jamahl Keyes has been speaking all over the world for over fifteen years. He is a popular speaker on goal setting, problem solving, and student issues. His popular newsletters The Monthly Motivator, Dollars & Sense, and Faith Family & Finance reach thousands of people throughout U.S. and Canada.

    The Magic Motivator Jamahl Keyes is also the host of the hit Radio show Faith Family and Finance a radio show that gives Practical and simple solutions for the complex problems of today.

    Article Source: http://EzineArticles.com/?expert=Jamahl_Keyes

    HOW TO SUCCESS IN ONLINE BUSINESS

    For anybody to have success online as a business entrepreneur you must possess a certain self awareness along with the right mental attitude! Being successful online in most cases will involve you either taking the right actions or making the right decisions or both. With this being said it is important that you make an accurate self assessment of your skill sets so that you can best use them to your advantage.

    Here are 5 areas concerning your mental attitude and self awareness you will need to get ‘right’ before you begin your journey as an online business entrepreneur!

    Know Your Strengths and Weaknesses

    By identifying your strengths and weaknesses you can avoid needless ‘pitfalls’ by emphasizing what it is you do best! Channeling your efforts in this way will help you be more productive while avoiding frustrations. This self awareness will allow you to make provisions for areas that you may not be proficient in by scheduling more time or even outsourcing the task.

    Remember: Only You Can Make It Happen

    Whether you are actually responsible for carrying out the tasks or for making the decisions it is up to you to see that it gets done. As a business entrepreneur, in most cases, you will not have a large staff if any at all to turn to for assistance. In these cases, truly the ‘buck’ stops with you!

    Organize

    Being understaffed as discussed above it is therefore all the more important to get organized to help enable you to be more productive. You will need to reduce the clutter in your mind as well as your physical environment to help increase your focus on your entrepreneurial endeavors. Remember your personal productivity will be directly linked to how successful online you are with your business.

    Remember: You Only Fail When You Quit!

    Preparing your mind is just as important as preparing your environment when striving for success as a business entrepreneur. You need to develop the right mental attitude and find the proper motivation to help you manage the ups and downs you will no doubt experience. This is a journey that can only be successfully completed with your effort and focus therefore be mindful to not give up when frustrated. You only fail when you decide to quit!

    Leave Your Emotions at the Door!

    This is a business and there is little room for emotions concerning decision making or reacting to conditions good or bad! Emotionally reacting will normally set the stage for nothing good and therefore should be avoided at all costs!

    To expect to achieve success online you will need to make an honest and accurate assessment of your own skill sets as well as developing the right mental attitude. Being successful online as a business entrepreneur will require focus and the ability to make the right decisions or take the right actions when needed or required. In preparation for your entrepreneurial journey attention must be given to the 5 areas as discussed above. The role of each is critical to your eventual successes and should therefore not be overlooked or dismissed as insignificant. By increasing your self awareness in these 5 areas and addressing any issues or deficiencies you can turn weaknesses into strengths and failures into success!

    TJ Philpott is an author and Internet entrepreneur based out of North Carolina. For more tips about what ‘exactly’ it takes to achieve business success online and to also receive a free instructional manual that teaches valuable niche research techniques visit: http://affiliatequickstart.com/

    Article Source: http://EzineArticles.com/?expert=TJ_Philpott

    3 Tips For People Who Want To Live A Successful Life

    Do you want to be successful? If you do, this will be one of the most important articles that you will have to read through. What you are going to discover in this article is the 3 success tips that never fail. A lot of people want to live a successful life, but most of them fail to achieve it. And this article is going to help you.

    What you will have to do right now is to stay focused and read through this article, learn the 3 tips and use them into your life. So are you ready for the 3 success tips that never fail? Here they are…

    1. The first tip is that if you want to be successful, you must have a clear vision of what success means to you. Do not just say that you want to be rich and successful, define it clearly how much you want to earn, by when and create a plan of how you are going to do it. The clearer you are with your goals, the easier it is for you to accomplish them. A lot of people are not clear with what they want in the future, which is why they are living in mediocrity. Do not let this happen to you. Take your time to think about what you really want in your life right now.

    2. The second tip is that you have to work your way to achieve what you want. This is not like making a wish. Success is more to goal setting and taking the necessary and solid action to achieve what you truly want in your life. Many people will tell you that they want to be rich and successful, but they are not doing what is necessary to make them rich. Do not just say that you want to start a business, but end up watching television the whole night. Do something to make your dreams and your goals a reality.

    3. Finally, the third tip that you need is motivation. If you do not have the motivation, you will never have the drive to take the action. And the best way to motivate yourself is by doing something that you are passionate about. Therefore, make sure you are passionate with your dreams and your goals. When you are passionate with what you do, you will be willing to do more of it and you are willing to do it even if it is late at night. This is the key that is responsible for the success of all the extraordinary people out there.

    Shawn has been writing articles online for more than 5 years now. Not only does this author specialize in personal development and internet marketing, you can also check out his latest website on Large Wall Clocks which also includes the best deal for Contemporary Wall Clocks.

    Article Source: http://EzineArticles.com/?expert=Shawn_Lim

    How to Make Your Dream a Reality – Starting Today

    What is your dream for the life you want to live? Is your dream to have a career that you love where you can experience real passion and a sense of purpose while earning as much money as you could ever need? Or is it to start your own business, have the freedom to control your own time, do what you love and experience financial freedom?

    Whatever your dream is, you can start today to bring that dream into reality and in this article I’ll let you know just how you can do this.

    The Two Things You Need To Do

    To start bringing your dream into reality you need to do two simple things. If you do the first correctly and the second consistently, then you will see your life start to change. The first thing you need to do is to create a vision of the life that you want to live, and the second is to remind yourself of it every day. That’s it! However, HOW you carry out these steps is very important and can make the difference between success and failure, so in the rest of this article I will explain how.

    Step One – Create Your Vision

    To create your vision, write a page or so (on paper or using your computer) describing your vision of the life of your dreams – the life that you would love to live. How do you do this? Imagine that you are now living in the future at a time when you are already living the life of your dreams and you are writing a letter to a close friend who you have not been in contact with since you started on this journey. This is a friend who you trust completely and so you will be completely honest and you won’t be holding back in any way. In this letter you are describing to them what your life is like today, and how amazing you feel to be living the life of your dreams.

    Here are some important points to consider as you write your letter:

    Use the Present Tense

    As you are stepping into the future and imagining that you are living your dream life right now, the letter will be written in the present tense.

    Use Emotion

    You want to do your best to convey how amazingly happy you are about the life you are living, so use as many powerful emotional words as you can. Don’t hold back! The more emotional you can make your letter, the better.

    Be Grateful

    Make sure to include how grateful and thankful you feel that you are now living the life of your dreams – gratitude is an incredibly powerful force for bringing what you want into reality.

    Be Specific

    Include as many specifics in your letter as possible. What are the details of your dream life? What do you do on a typical day? How do you feel about what you are doing? Give some examples of amazing things that have happened recently. Include details for all the areas of your life that are relevant – of course if the main changes you want to make are in your career, then focus on that, but don’t leave out your relationships, finances or anything else that is important to you as life is a sum of all of these important parts.

    You might ask – “how can I put in specific details if I don’t know what the details are right now?” That’s a completely normal question, and the answer is: make them up! Just guess and write something that you would like to happen. You can always change the details later, but by including details you are forcing your creative mind to think of what it is that you really want for your life.

    How Do I Know If I’ve Done It Right?

    So how do you know if you’ve written it correctly? Use your emotions as a guide. If you don’t feel amazing as you are reading your letter and imagining that your are living your dream right now, then something is wrong. Either you don’t really want what you have written about, or you are really focusing on the fact that you don’t yet have all of those things and you don’t know how you can get them.

    The most important result of writing this letter is that you feel amazing when you read through it and imagine that right now you are living the life you describe in your letter.

    An Example

    I’ll give you a quick example of how a letter like this can start, so that you can get a better idea of what it should look like.

    “Dear Jane,

    “I am so happy to be writing to you today with amazing news of what’s going on in my life at the moment.

    “The last time I spoke to you I told you about my vision for what I really want from my career, and now I’m so grateful to be able to tell you that I am now living my dream!

    “I wake up every morning inspired to jump out of bed and start the day. I love starting my day by running outside by the river and then having a nutritious smoothie for breakfast. I now have a career that I love where I get to…”

    Step Two – Remind Yourself Every Day

    Once you have written a vision that you get passionate and excited about every time you read it, first of all congratulate yourself! Creating a clear and exciting vision of your ideal life is a fantastic first step to bringing your vision into reality. However, having that vision sit in a drawer or in an unopened file on your computer is not going to help anyone create the live of their dreams.

    It’s essential that you establish a habit of reminding yourself of your vision each and every day. It doesn’t need to take long – even 5 or 10 minutes per day is better than nothing – and I suggest you start small with a realistic target for yourself. There are many different ways of reminding you of your vision – here are a few ideas.

    Visualise

    This is a pretty easy way to start – simply spend 15 minutes each morning when you wake up visualising your ideal vision in your mind. You can also repeat this process each evening before going to sleep. You can try sitting up in bed when doing this if you find that you nod off during the process. Again, like when you wrote your letter, get as specific as you can and imagine yourself living your ideal life, using the contents of your letter as a guide. But don’t let that limit you. As time goes on you may adjust parts of your vision and add new parts – this exploring process is an exciting way to get clearer about what you really want and as parts of your vision start becoming a reality (and they will) then you will gain more experience about what you really want for your life. Another important point is that in your vision, you need to be looking out through your own eyes rather than looking from outside and seeing yourself in the vision – by being inside your body while you are visualising, the experience will be much more powerful.

    Read

    Another method for reminding yourself of your vision can be to sit for 15 minutes per day and read through your vision a few times, really feeling as if you are living your visionary reality right now. You can also spend some time writing different versions of your vision or expanding upon your vision if you like to write.

    Listen

    Something that I’ve found really helpful is to record yourself reading your vision, save it as an MP3 and download it onto your MP3 player to listen to every morning and evening or while exercising. If you are technically minded, you could even add a backing track of your favourite inspirational music. If this is something you’d like to try taking on, then I’d be happy to create some instructions on how to do this. The important thing here is that while recording yourself reading through your vision that you really get into it and feel as if you are living that life right now – then this will really positively affect your daily listening experience.

    Establishing a daily habit like one of these can be challenging at first, and it’s inevitable that you may miss a day here and  there – but the main thing is to not beat yourself up and to just start again the next day once you realise you have let it slip. If you can keep it up every day for a month, then you will have established possibly one of the most beneficial habits possible.

    How Do I Know If I’m Doing It Right?

    The most important result to aim for when reminding yourself of your vision is to feel as strongly as possible the feelings that you would feel if you were living your dream right now. The purpose is to maximise the time when you are feeling amazingly good and in a state of positive expectancy that it’s only a matter of time before your vision becomes a reality.

    I’m not trying to imply that this process will bring your dream into reality without actually doing any work! By getting into this positive frame of mind every day, you will find yourself naturally identifying new opportunities and the next actions that you need to take to start bringing your dream into reality and finding it easier to take consistent action. Without daily positive reinforcement of what is most important to you, it’s easy to stray off track and let old habits take over.
    How Does It Work?

    How it works depends on what you believe. If you believe in the law of attraction, then by focusing on what you want and feeling as if you have it right now will start to manifest it in your reality. However if you don’t believe in the law of attraction, this doesn’t mean this method will not work. Your brain is a powerful goal achievement tool, and simply by feeding it consistent positive images of what you want to show up in your life, you will start to notice new opportunities and to take the action necessary to bring your dreams into reality.

    How Long Will It Take?

    How long it will take for your dream to become a reality? Well, I can’t tell you that. All I can tell you is that the more consistently and persistently you can focus on your ideal vision of the life that you want to live, and really feel how you would feel if you were experiencing it right now, the faster that it will come into existence.

    So start today by creating your vision and decide on what method you will use to remind yourself of it every day!

    Jonathan Dudley helps young professionals who feel trapped or at a dead end in their career, to find a career that they really love, where they can experience real passion and a deep sense of purpose.

    You can find out more about how Jonathan can help you find the career of your dreams at http://www.purposefulcareercoaching.com where you can get a copy of his special report “10 Ways to Take Back Control of your Workday”.

    Article Source: http://EzineArticles.com/?expert=Jonathan_Dudley

    7 Habits for Creating and Maintaining a Positive Mental Attitude

    In today’s world, we are experiencing more uncertain and troubling times than ever before. Every time you turn on the TV or get on the computer, it seems there is always more news that just weighs you down. On top of that, you have your own personal issues to deal with. This “negative storm” can cause someone to feel stuck, lost and full of anxiety. It is the fear of the unknown that builds up in our mind and takes over like a dark cloud. This dark cloud follows us and rains on us, making us negative in our personal and professional lives. As humans, we sometimes focus on the negative and stay under that negative cloud that we created. We must understand that we can walk from under this cloud at anytime, and we have the power to make our days sunny and bright.

    I am sharing with you 7 habits that I have found to be the most effective when creating and maintaining positive mental attitude along with my GOYA (Get off Your Attitude) Tip to get you moving.

    1. Think Positive

    Thinking Positive is probably the most important of the habits that I can share with you, because you know that everything starts in the mind. Thoughts turn into feelings, which then turn into actions. If you tell yourself you can’t do something, you will ultimately find failure. If you tell yourself you can do it, you have increased your chances of accomplishing that goal. Keep your mind clear and your thoughts positive. This habit will bring great success to you in your personal and professional life.

    GOYA Tip: When a negative thought comes into your mind, instantly swap it with a positive one. An example of this would be thinking about a child’s smile or someone you know. This will keep the mind clear of any negative thoughts.

    2. Focus on the Future

    Too many of us dwell on our past and let it block our vision of our future. We think about something disturbing that happened to us or we think about something that someone has told us that upset us, and we play it over and over like an old movie reel. We need to break this bad habit and visualize on what we want our future to be. The next time your past is haunting you, instantly think about something in your future. Write down your goals and create a vision board. This way you can always focus and see the positive things you want in life.

    GOYA Tip: Make a list of all things that you want in life. Go online and find it, print a picture of each item. Pin them up on a board in your office or home where you can see them. Look at this vision board daily and visualize yourself possessing all of these items.

    3. Read and Listen to Positive Information

    One of the best ways to create a positive mindset is by filling it with positive information. Too many times we get our information from the wrong places. We get focused on the negative news of the world and it bleeds into our subconscious. We need to learn to be careful on what we let into our mind. To get out of the negative rut, we need to get in the habit of picking up an inspirational book, find a positive article on the web or just listen to a positive inspirational CD. These positive items will open your mind, encourage, inspire, and teach you how to create a positive mindset. (Some of my favorite inspirational authors are Zig Ziglar, Julio Melara & Brian Tracy)

    GOYA Tip: Put a Positive CD in your car, home stereo or in at your office. Listen to it for the length of the car ride or 30 minutes in your home or office. Try to implement that one new positive idea that you learned into what you are doing that particular day.

    4. Plan Ahead

    Using time efficiently helps to maintain a positive attitude. The best way to do this is to plan your day and your week ahead of time. We need to adopt this habit so that we won’t let procrastination take over and keep us from reaching our goals. The habit of planning and focusing on your priorities and important tasks will help you accomplish more in less time. This very act will keep your life in check and help you stay on track towards your goals and let you know stay aware of your accomplishments.

    GOYA Tip: Each day sit at your desk for ten minutes and map out your next day. This exercise can save two hours the next day.

    5. Get Around Positive People

    Stay away from negative and pessimistic people. Surround yourself with positive people, and you will be more positive! This is a simple and crucial habit in reaching a positive lifestyle. Negative people can rob you of your energy and your drive. We must learn to get around people that are like minded, have goals and the ones that have courage to go forward in life.

    GOYA Tip: Think about someone that you respect and has the positive traits that you want to possess. Try to meet with that person frequently so that their positive attitude will become part of you.

    6. Be Grateful

    Take some time everyday to be grateful and thankful for everything that you have in your life right now. It is easy for us to focus on what we don’t have or things we didn’t accomplish. Find these great things and recognize them. The very thought of what you are grateful for will help you maintain a positive attitude in your life. This habit is one of the best ways to turn negative thinking into positive thinking instantly.

    GOYA Tip: Write down the top 10 things you are grateful for and read them over at least 10 times daily!

    7. Exercise More

    The habit of daily exercise will help you improve your mood, along with helping to against stress and depression. This healthy habit will keep you living longer and living a healthier lifestyle. Remember exercising will also make you feel better about yourself. When you feel better about yourself, it breeds confidence which will help you in your personal and professional life.

    GOYA Tip: Go for a 30 minute brisk walk on a treadmill or around the neighborhood. This is a great exercise to create positive thinking.

    If you follow and implement these 7 life changing habits daily, they will bring you the success and happiness you desire. These habits will take you from underneath that dark cloud of negativity and bring you out into the sunshine of a positive lifestyle. Use these 7 habits and tips to improve your attitude and see the positive things like peace and happiness that will come into your life.

    “Remember that it is up to you to choose everyday to Get off Your Attitude and to create a positive lifestyle for yourself and others” Ryan C. Lowe

    We would love to hear from you! Go to http://www.GetOffYourAttitude.com for more information and to share how you got off your attitude! Look for us on face book and become a fan of Get off Your Attitude.

    Ryan C. Lowe

    Article Source: http://EzineArticles.com/?expert=Ryan_C_Lowe

    10 Tips on How to Think More Creatively

    Are you suffering from a lack of creativity or ideas for your business or just in general? I was always very creative, so for me it was never a problem coming up with ideas. However, I still study as much as I can about how to be more creative, and milk my imagination as well as my surroundings for ideas and creativity. It’s amazing how we miss all the inspiration that is all around us, from the weather patterns, to our fellow human beings and their lives, if we would just spend more time immersed in the variety of life, we would be touched by many inspirational moments.

    The tips I am sharing with you in this article are a number of tips I’ve picked up over the last couple of years, where I have really made an effort to grow. They are all very simple yet effective techniques.

    1. Find out what it is you do best and do more of it, as often as you can. Your mind is at its most creative when you are doing something that you love and are naturally good at.

    2. Carry a small notepad or notebook around with you to capture your ideas. Don’t let those ideas escape.

    3. Try to spend time with a mixture of different people from different backgrounds and in different careers.

    4. Ask more questions. Whatever you ask yourself, you will get an answer, so choose the right questions.

    Ask questions like, “How can I improve this?” or “What more could I do to make this better?”

    5. When others talk, listen and absorb whatever information they give you, no matter how trivial. It all comes in handy at some point or other.

    6. Believe in yourself and your ability to get things done and you’ll find that the ways and means come to you as if by magic.

    7. Find ways to do things better.

    8. Welcome any fresh ideas; be receptive to them when they come whether from your mind or someone else’s.

    9. Train your memory and develop a better system of remembering information instead of struggling to recall important information.

    10. Write your ideas down somewhere because this gives them more power and further cements them in your mind so that they are easier to recall and concentrate on.

    “Man’s mind, once stretched by a new idea, never regains its original dimensions.” Oliver Wendell Holmes, Jr

    Article Source: http://EzineArticles.com/?expert=Richard_J._O’Neill

    THE SUCCESS STORY OF THE FOUNDER OF KFC

    Do you like to eat KFC? The taste of the chicken in KFC is really very delicious. However, do you know who invented this kind of chicken? Maybe most of you don’t know about that. Actually, it is captain Sounders who invented KFC. He is the founder of it. Have you ever heard about the story of captain Sounders? Are you curious about his foundation of KFC? If so, this article will definitely appeal to you.

    Captain Sounders began his career when he was already 65 years old. Unbelievable, right? So what is the motivation for this kind of action? In fact, he was very poor at that time and was fairly lonely. He only got 105 dollars as his first cheque of relief fund. He felt very upset about it and asked himself that was there anything he could do to make contributions to the society.

    Suddenly, an idea came to his brain. He had a secret recipe about fried chicken which everyone would like. If he could not only sell this secret recipe but also told people how to fry chicken well so that the business of restaurants could increase, he could make a lot of money.

    It is common for people to have good ideas, however, what really matters is the instant action of the idea. Captain Sounders visited various restaurants to told the shop-keepers something about his opinions. Unfortunately, no one adopted his perspectives in the beginning. If captain Sounders gave up at that time, he wouldn’t make such success.

    He was upset when he confronted the failure. However, he never gave up and went on trying again and again. There is a rule called personal power which means keep on doing something consistently and you will succeed at last. Captain Sounders put this rule into practice and tried for over a thousand times. His idea was accepted in the end.

    You see, it is captain Sounder’s spirit of consistence that made him succeed. Think about yourself now. Do you have similar experience like captain Sounders? Will you give up what you are doing when you meet difficulties for a couple of times, not to mention a thousand times? Do you have a strong heart to bear and tolerate other’s ridicules or despises?

    No one can succeed easily, you have to pay for it. People who have wealth and success always making up their mind to do what they want to do and keep on doing it. They won’t give up unless they realized their dreams and achieved their goals.

    Captain Sounders keeps reminding himself to pay attention to what he wants, especially the methods of coping with problems. He considered that difficult matters would terrify him for a while, but not the whole lifetime. He is usually very optimistic and never let pessimistic moods affect his life. He believes that his fate won’t be so bad, it is just a matter of time.

    Making an effort to try to do what you want to do consistently. Making use of your persistence and flexibility to pursue your purposes. You will finally get what you want if you never give up. There is a proverb said that many a little make a mickle.

    Don’t overlook any small progresses for the reason that those small achievements can pave the way for your wealth and success.

    Don’t be afraid of failure since diligence is the mother of success. You won’t succeed if you haven’t confronted any difficulties before.

    The Top 10 Secrets From Anthony Robbins

    For more than 25 years US-based motivational speaker and success coach Anthony Robbins has been passionately pursuing the answers to questions such as ‘What shapes human behaviour? And how can we create lasting change
    within oursleves and others?’.

    He has spoken in front of more than 3 million people around the world and sold around 35 million books and audio coaching products.

    After attending his 4-day ‘Unleash The Power Within’ seminar recently in Kuala Lumpur I learnt many strategies to perform at your best.

    I even took part in his famous barefoot walk over hot coals. This powerful physical metaphor shows how anyone can overcome their deepest and greatest fears with focus, passion and desire.

    Part rock concert, part learning experience, part aerobic workout, the seminar was attended by more than 4,000 people in a giant indoor sporting stadium that was built for the Commonwealth Games.

    Standing 6′7″, weighing 265 lbs and with a shoe size of 16, Robbins was impressive on stage as he harnessed the energy of the crowd.

    In fact, security guards have to line the stage as he is regularly swamped by over eager fans.

    At 43 years old, he has been enourmously successful and worked with people like President Clinton and Melson Mendela.

    What was it like?

    Hot, humid, high energy and simple take home messages packaged with a high-tech light, sound and video show.

    I was impressed, motivated and got some great ideas from it.

    Here is my gift to you. The Top 10 Secrets of Success I learnt from spending 4 days with Tony Robbins.

    1. YOUR POTENTIAL IS DETERMINED (OR LIMITED) BY YOUR SELF-BELIEF.

    As the promotional material says the event was ‘about creating breakthroughs, moving beyond fears and limiting beliefs, accomplishing goals and realizing true desires, turning dreams into reality, creating fulfilling relationships, and modeling the strategies of peak performers to produce a quantum difference in your life.’

    If you cut out the hype, the simple message is if you believe in yourself enough you can achieve anything.

    A memorable one-liner was “the only thing that’s keeping you from getting what you want is the story you keep telling yourself”.

    2. MOST PEOPLE HAVE SELF-DOUBT AROUND UNIVERSAL THEMES.

    Ask anyone and most people will admit they lack confidence in some areas of their life. The interesting thing I learnt from this seminar is that this self-doubt is around universal themes. These themes cross age, gender, religous, cultural and language barriers.

    Common doubts include ‘I am not good enough’, ‘I am lazy’ and ‘No-one loves me’.

    3. YOU CAN LEARN MECHANISMS TO ELIMINATE SELF-DOUBT.

    Robbins calls it ‘immersion’ where you break old patterns and build new ones by repetition. He uses a lot of Neuro-Linguistic Programming techniques to achieve this with his audiences.

    He says “progress is not automatic”.

    A memorable moment in the seminar was when we had to visualize ourselves inside a bubble and inside that bubble was a series of videotapes neatly arranged in a time-line that represented all our memories in our lives so far. We had to pull out the negative videotapes and destroy them. This was followed by time spent visualising the future and how your life will look 10 and 20 years from now.

    4. BELIEF IMPACTS ON MANY LEVELS.

    The Robbins message was that 3 things shape our self-belief. He calls them the Triad. These are our patterns of physiology, focus and language or meaning.

    He highlighted this with the quote: “where focus goes energy flows”.

    5. OUR VALUES AND BELIEFS SHAPE OUR ACTIONS.

    Robbins believes you can “vanquish whatever is holding you back from taking action”.

    Walking barefoot across a bed of glowing coals is the physical metaphor he uses in his seminars to prove this point to the skeptics.

    Eliminate negative self-belief and take massive action are his keys to success.

    6. TO CREATE POSITIVE OUTCOMES YOU MUST TAKE MASSIVE ACTION.

    “Where focus goes energy flows” is a quote used by Robbins in his presentation to highlight why you need to know your outcome and why achieving this is a must.

    But many people fail to take the next step. They delay, put off and find many reasons or excuses not to act.

    Robbins believes “progress is not automatic” and “action is power”. Take action, even if it is the wrong action. He says it is “never a failure if you learn something”.

    7. MATCHING & MIRRORING CREATES CONNECTION, TRUST & EMPATHY.

    Robbins spent a fair amount of time in the seminar talking about and demonstrating interpersonal communication skills.

    He used people from the audience to show how the process of “matching and mirroring” the non-verbal communication and body language of others can be a very powerful way to connect with people.

    In essence, you create rapport by adopting the body language of the person you are communicating with.

    He believes “rapport is power” and “total responsiveness is created by a feeling of commonality”.

    If you have learnt these techniques before and haven’t used them for a while, I suggest it is time to dust them off and put them into action next time you are communicating with someone on a one-to-one basis.

    8. ANYTHING IS POSSIBLE IF YOU FOCUS ON PASSION AND PURPOSE.

    Robbins believes that “to have an extraordinary quality of life you need two skills: the science of achievement (the ability to take anything you envision and make it real) and the art of fulfilment (this allows you to enjoy every moment of it).”

    He says “success without fulfilment is failure”.

    Find your passion and purpose in life. My purpose is to make a difference in people’s lives and use my gift as a speaker.

    9. MODEL YOURSELF ON OTHER ACHIEVERS.

    To gain improvements quickly and step up to a new level of achievement, Robbins believes learning from others who are the best in their field is the fastest way to achieve success.

    He told the story of how he wanted to improve his tennis game and so employed Andre Agassi, the then number one ranked player to help him achieve this.

    Who could you model yourself on?

    “People’s lives are a direct reflection of the expectations of their peer group,” according to Robbins.

    10. SUCCESS IS BUILT ON A HEALTHY, HIGH ENERGY BODY, HEART AND MIND

    If you are not healthy – all of the above points are a waste of time.

    Your health is determined and influenced by your lifestyle.

    One major change I’ve made since the seminar is to eat a healthier diet and exercise more regularly.

    As a speaker, my whole business depends on my ability to perform at a peak state. Like any professional athlete, the success of business is directly linked to my diet and health.

    Take care of yourself, your body is ultimately your most important asset.

    Thomas Murrell MBA CSP is an international business speaker, consultant and award-winning broadcaster. Media Motivators is his regular electronic magazine read by 7,000 professionals in 15 different countries. You can subscribe by visiting http://www.8mmedia.com. Thomas can be contacted directly at +6189388 6888 and is available to speak to your conference, seminar or event. Visit Tom’s blog at http://www.8mmedia.blogspot.com

    Article Source: http://EzineArticles.com/?expert=Thomas_Murrell

    10 LESSON THAT WE CAN LEARN FROM ANTONY ROBBINS TEH WORLD MILLIONIRE

    Tony Robbins has been an inspiration for millions. Love him and his philosophy or not, it is undeniable that he has had a positive impact on millions of people. He has sold over 30-million motivational tapes, published three best-selling self-help books, more than 2 million people attended his seminars and another 10,000 (including myself) have attended his mastery university in Hawaii. His core products include Get The Edge – Unlimited Power – Date with Destiny – Mastery University and more.

    Here are the top 10 lessons that I learned from Tony Robbins:

    1) By altering your body’s physiology, you can achieve an immediate change of your emotional state. The mind will follow whatever state your phsyical body is in and not vice-versa.

    2) Ask specific questions of yourself (in your self-talk) to direct and control your attention to the various aspects of the human experience. The quality of your life is in direct proportion to the quality of the questions you ask of yourself.

    3) Get leverage to create personal change by associating an old behavior with massive pain and the desired new behavior with massive pleasure. Tony is a big believer in the pain/pleasure principles of life and this applies in business as well.

    4) When you get stuck, interupt your limiting pattern by doing something totally unexpected.

    5) You can condition your behavior by visualizing it over and over again. This is not exactly unique to Tony Robbins, but he does reinforce this message in all of his products.

    6) Goal-setting strategy: Know your end outcome; Take massive intelligent action; Have sensory-acuity to notice if you are getting the results you desire and if not; change your approach; and change *until* you get your end outcome.

    7) Create a “Compelling future” by vividly imagining your end result to generate enthusiasm and power within yourself. The past does not equal the future. Find beliefs that support your goals and desires.

    8) Youth is Power! This is one of Tony’s beliefs. Even if you don’t have fancy degrees, your youth can still mean power, flexibility and opportunity for your life.

    9) Principles of CANI! CANI stands for Constant And Never-ending Improvement. It’s a basic tenet of Tony Robbins.

    10) NLP can be useful. NLP stands for Neuro Linguistic Programming and there are many NLP undertones in Tony’s basic tenets. He went on to morph NLP into his own technology called “NAC” (Neuro Associative Conditioning).

    Need inspiration? Surf on over to: http://InspiresYOU.com/

    Article Source: http://EzineArticles.com/?expert=Chris_Knight

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    Posted in PRODUK ALAT SULIT WANITA, PRODUK LELAKI, PRODUK SUAMI ISTERI, PRODUK WANITA, PRODUK ZAKARwith 2,248 Comments →

    AzhaaN Brothers SHop = RAWAT MATI PUCUK DAN ZAKAR TIDAK BERFUNGSI05.06.10

    PERHATIAN- “Semua produk adalah untuk kegunaan suami-isteri.Pihak kami tidak bertanggungjawab jika disalahgunakan.”
    [kamaherbs1.JPG]

    Bermula pada tahun 1998, “pil biru” penyelamat kepada lelaki yang mengalami mati pucuk telah berada dipasaran, ia merupakan pil pertama yang diiktiraf oleh dunia sebagai “drugs” untuk mengatasi mati pucuk dengan bahan utamanya Sidenafil. Tujuan awal pil ini ialah untuk merawat masalah darah tinggi tetapi kesan yang pantas diberikan sewaktu kajian ereksi, menyebabkan pengeluar dan penyelidik terus bertukar arah dan menjadikan pil biru ini sebagai penyelamat kaum lelaki . Pil biru atau Viagra diibaratkan sebagai superhero kepada mereka kerana telah terbukti berkesan untuk membantu bagi merawat masalah ED, dengan mengambil masa hanya beberapa minit sahaja para suami sudah mampu untuk menjalankan tanggungjawabnya sebagai suami. Tidak dinafikan pil biru ini dapat memberi kepuasan kepada pengguna dengan kesan yang amat pantas dibantu oleh bahan kimia Sidenafil, namun kesan sampingan yang bakal terjadi menjadikan ia sebagai “pil biru” yang bakal membantu tetapi juga bakal membawa padah kepada penggunanya dengan kesan sampingan yang tidak kurang hebatnya, dan ia juga bukan merawat tetapi membantu sambil memaksa organ reproduktif lelaki itu untuk “bekerja”. Oleh itu para pengguna akan bergantung kepada pil biru tersebut setiap kali ingin bersama isteri.

    Merawat ED atau mati pucuk bukanlah tugasan yang mudah, ia mengambil masa dan sudah semestinya kesan herba-herba tidak sepantas kesan yang dijanjikan oleh Viagra.

    Sering kali bila terdapat “ubat kuat” yang baru dipasaran, soalan yang paling terkenal dan mesti ditanya oleh para pengguna ialah “berapa lama boleh nampak kesan?” Para pengguna tidak sabar untuk kembali hebat diranjang tanpa mengambil kira risiko yang boleh menjurus kepada kematian. Sebaliknya herba-herba asli tanpa campuran bahan kimia sidenafil masih boleh merawat dan ia akan kekal sihat.

    KAMAherbs ramuan dari herba ciptaan-Nya telah dikenal pasti dan telah digunakan sejak ribuan tahun dahulu dan diperturunkan kepada generasi ke generasi sehingga kini.Ilmuan Islam sendiri seperti Ibnu al-Baitar adalah pengkaji tumbuhan (botanist), ahli pharmasi dan perawat yang hebat pada Abad Pertengahan, beliau telah mengkaji lebih 1,400 jenis tumbuhan, dan sebahagian besarnya tumbuhan itu mempunyai nilai perubatan, beliau juga mengkaji 300 tumbuhan baru yang tidak pernah dikaji oleh saintis sebelumnya. Ibnu al-Baitar menyumbang kepada dunia perubatan dengan memperkenalkan kaedah ujikaji saintifik yang terawal dan menerbitkan Kitab al-Jami fi al-Adwiya al- Mufrada (Book of simple Drugs and Food).

    Hasil usaha yang tidak mengenal lelah oleh para ilmuan purba, manusia moden kini telah mampu menangani pelbagai penyakit yang satu ketika dahulu menjadi pembunuh utama kepada umat manusia.

    KAMAherbs juga menggunakan ramuan purba dari India dan gabungan herba tempatan seperti ubi jaga, bunga pakma dan buah pala yang mampu memberi kesan posiitif kepada kesihatan lelaki amnya, kesan-kesan perubatan pada herba ini telah dikaji dan disahkan oleh saintis tempatan dan luar.

    Paling mendapat perhatian ialah Ashwaghanda atau nama saintifiknya Withania Somnifera atau gelarannya “Indian Ginseng” dan Safed Musali atau nama saintifiknya Chlorophytum Borivilianum atau nama glamournya “Indian Viagra” , “Root of Gold”, “Herbal Viagra” dan bermacam-macam lagi. Permintaan untuk kedua-dua herba ini amat tinggi sehinggakan amat sukar untuk mendapat bekalan. Di Jepun enam syarikat pharmaseutikal sedang berusaha untuk mempatenkan Ashwaghanda untuk produk-produk mereka. Begitu juga Safed Musali dimana permintaan terlalu tinggi sehinggakan penduduk di India mengerjakan tanaman herba istimewa ini sebagai sumber pendapatan. Setiap kali dituai hasilnya, pasti tidak mencukupi untuk menampung permintaan berbanding dengan hasil tanaman.

    Mengapa KAMAherbs menggunakan ramuan purba dari India ?, jawapannya mudah sahaja. India merupakan peradaban yang wujud sejak ribuan tahun dan antara peradaban kuno yang tertua di dunia dan telah mendalami ilmu-ilmu perubatan sejak ribuan tahun juga. Hasil kajian itu dimanfaatkan oleh para Maharaja India yang terkenal dengan sejarahnya mempunyai gundik-gundik yang ramai. Di India juga terbit kitab kuno Kamasutra yang sering dikaji dan dipraktik oleh pelbagai bangsa di dunia. Antara herba hebat yang digunakan sebagai makanan kesihatan dan stamina para Maharaja ialah Ashwaghanda dan Safed Musali.

    Saintis telah mendapati bahawa, nilai perubatan yang amat tinggi boleh dihasilkan dengan menjadikan Ashwaghanda dan Safed Musali sebagai makanan tambahan kesihatan dan stamina, ramuan hebat ini terdapat didalam KAMAherbs. Saintis telah mengesahkan bahawa herba-herba ini mampu memberi kesan secara semulajadi untuk kekuatan stamina, merawat mati pucuk, kehilangan libido, stres, pancutan pra-matang, merawat gout, arthritis, masalah usus, merawat masalah minda yang lemah, menambah sperma lelaki dan wanita dan juga diabetes. Ramuan-ramuan ini telah menjadikan Maharaja dan Kamasutra adalah satu lagenda sehingga milenium ini.

    Ramuan purba KAMAherbs, gabungan hebat yang mampu memberi impak yang hebat kepada stamina dan kesihatan seseorang lelaki itu :

    Kamaherbs Composition / Kandungan :

    Each tablet contains extract of / Setiap tablet mengandungi ekstrak

    Withania somnifera (Indian ginseng) 100mg

    Chlorophytum Borivilianum (Safed Musali) 24mg

    Myristica fragrans (Nutmeg) 10mg

    Smilax myosotiflora. (Ubi Jaga) 10mg

    Rafflesia hasselti (Bunga Pakma) 10mg

    Elettaria Cardamomum Maton.(Buah Pala) 10mg

    Ramuan KAMAherbs di sediakan dengan kaedah yang bersih, dikisar halus dan selamat untuk usus dan buah pinggang

    Ramuan KAMAherbs dihancurkan sehingga sangat halus sehingga mencapai sukatan 300 mesh (lebih kurang 38 mikron, 38 X 10 -6 meter atau 38,000 nanometer). Saiz molekul terbesar yang melepasi microvilli ialah 0.66 nm. Saiz ini adalah selamat untuk buah pinggang kerana ia boleh diserap oleh mikrovilli usus.

    Kapsul yang digunakan adalah halal untuk dimakan oleh umat Islam dan diiktiraf oleh Kerajaan Malayisa , No.Rujukan HBMF-001 – HALAL AND VETERINARY CERTIFICATE

    Memang hebat kesannya walaupun seratus peratus bahan alam semulajadi, saya sendiri merasai perubahan stamina yang terjadi, oleh itu untuk memastikan ia benar-benar hebat tidak hanya pada saya sahaja, saya akan mencuba kepada seseorang untuk melihat kesannya. Bagi mempastikan KAMAherbs benar-benar “power” saya memilih seorang dari pesakit baru yang belum pernah mencuba remedi-remedi lain seperti Damiana Gold, Biomax Plus atau Vimax . Kita namakan pesakit bertuah ini Mr.A.

    Mr.A sudah memulakan sessi percubaan ini pada 1.11.2009 , sehingga artikel ini ditulis sudah lebih 2 bulan Mr.A mengambil KAMAherbs. Apa yang memeranjatkan Mr.A tanpa memberitahu saya telah membuat ukuran pada penis beliau ( memang advance Mr.A ni).

    Dalam masa seminggu Mr.A telah merekodkan pertambahan stamina sehinggakan isteri beliau bertanya dan merasakan perubahan stamina beliau. Libido yang berkurangan akibat peningkatan umur, serta diabetes dan darah tinggi yang sering di “border line”, telah menunjukkan peningkatan yang positif dalam masa 2-3 minggu berikutnya.

    PERHATIAN “Semua produk adalah untuk kegunaan suami-isteri.Pihak kami tidak bertanggungjawab jika disalahgunakan.”

    Yang memeranjatkan saiz penis beliau telah bertambah dari segi ukuran dan lebih “gemuk” dari sebelumnya. Beliau merekodkan pada 1.1.2010 pertambahan 1 inci telah terjadi!. KAMAherbs juga mampu membesarkan dan menambah saiz penis. Isteri beliau juga merasakan perubahan dari segi kepadatan dan kegemukkan penis Mr.A dan , isteri beliau juga memberi komen “seolah-olah semasa “honey moon” dulu-dulu”. Biar lambat asalkan selamat, jangan tergopoh-gopoh sehingga membawa padah, Ingatlah orang yang anda sayangi, eh macam cogan kata pemanduan berhemah dijalanraya pula. Tapi itulah hakikatnya jika ingin sihat secara semulajadi dan kekal.

    Sekarang stok dan produk sudah dipasaran dengan harga pengenalan RM150, harga yang saya rasa amat berpatutan dengan formula yang hebat ini.

    HARGA = RM150

    http://www.kuatpower.com/index.php?ref=lelakipower

    Posted in PRODUK LELAKI, PRODUK ZAKARwith 1,793 Comments →

    HIMPUNAN HADIS DAN HADIS 4005.06.10

    HADIS 4O

    Hadis Pertama

    ” Dari Amirul Mukminin Umar Al-Khattab r.a katanya : ” Aku mendengar Rasulullah SAW bersabda : – ‘ Hanyasanya amalan-amalan itu adalah ( bergantung ) kepada niat, dan hanyasanya bagi setiap manusia itu apa ( balasan ) yang diniatkannya. Maka barangsiapa yang berhijrah kepada Allah dan RasulNya, maka hijrahnya itu adalah kepada Allah dan RasulNya. Dan barangsiapa yang berhijrah kerana dunia yang ingin ia memperolehinya atau kerana seorang perempuan yang ingin ia menikahinya, maka hijrahnya itu adalah atas apa yang ia berhijrah kerananya.’

    Hadis Kedua

    Dari Umar Ibnul-Khattab r.a, katanya : Sedang kami duduk di dalam majlis bersama Rasulullah SAW pada suatu hari, tiba-tiba mucul di dalam majlis itu seorang laki-laki yang berpakaian serba putih, berrambut terlalu hitam, tiada kesan bahawa ia seorang musafir, dan tiada antara kami yang mengenalinya, lalu duduk ia bersama Rasulullah SAW, dan ditemukan kedua lututnya dengan kedua lutut Rasulullah SAW serta diletakkan kedua tapak tangannya ke atas kedua paha Rasulullah SAW, lalu berkata :
    Sipemuda : Khabarkan aku tentang Islam ?
    Rasulullah : Islam, iaitu hendaklah mengucap syahadat – bahawa tiada Tuhan melainkan Allah Ta’ala dan bahawasanya Muhammad itu Rasulullah, dan hendaklah bersembahyang, mengeluarkan zakat, berpuasa pada bulan Ramadhan dan menunaikan haji ke Baitullah apabila berdaya ke sana.
    Sipemuda : Benar katamu.
    ( Berkata Umar r.a : Kami merasa hairan kepada tingkah laku sipemuda itu, dia yang bertanya dan dia pula yang mengiyakannya )
    Sipemuda : Khabarkanlah kepada ke tentang Iman ?
    Rasulullah : Hendaklah engkau beriman kepada Allah, Malaikat-MalaikatNya, Kitab-KitabNya, Rasul-RasulNya, Hari Akhirat dan hendaklah engkau beriman kepada taqdir Allah yang baikNya atau yang burukNya.
    Sipemuda : Benar katamu ! Khabarkanlah kepadaku tentang Ihsan ?
    Rasulullah : Hendaklah engkau menyembah Allah seolah-olah engkau melihatNya. Sekiranya engkau tidak dapat melihatNya sesungguhnya Allah sentiasa dapat melihat engkau.
    Sipemuda : Khabarkan padaku tentang hari kiamat ?.
    Rasulullah : Tiadalah orang yang ditanya itu lebih mengetahui dari orang yang bertanya.
    Sipemuda : Khabarkan padaku tentang tanda-tandanya ?
    Rasulullah : Apabila hamba perempuan melahirkan tuannya sendiri ; Apabila engkau melihat orang yang berkaki ayam, tidak berpakaian, pengembala kambing ( berbangga ) membina bangunan yang tinggi-tinggi.
    ( Kemudian beredar keluar sipemuda itu dari majlis tersebut ) :
    Rasulullah : Tahukan anda wahai Umar siapakah pemuda yang menyoal kau tadi ?
    Umar Al-Khattab : Allah dan RasulNya jua yang mengetahui.
    Rasulullah : Itulah Jibril a.s yang telah mendatangi aku untuk mengajarkan kamu pelajaran agama kamu.

    Hadis Ketiga

    ” Dari Abu Abdul Rahman, Abdullah bin Umar r.a, berkata : Aku telah mendengar Rasulullah SAW bersabda : ‘ Islam itu didirikan atas lima ( pekara ) – Menyaksikan bahawa tiada Tuhan melainkan Allah, dan bahawasanya Muhammad itu Rasulullah, mendirikan sembahyang, mengeluarkan zakat, naik haji ke Baitullah dan puasa sebulan Ramadhan. ”

    Hadis Keempat

    ” Dari Abu Abdul Rahman, Abdullah bin Mas’ud r.a, katanya Rasulullah SAW telah menceritakan kepada kami, sedangkan baginda seorang yang benar dan dibenarkan kata-katanya, sabdanya : ‘ Sesungguhnya sesaorang kamu dikumpulkan kejadiannya dalam perut ibunya selama 40 hari berupa setitik air mani, kemudian menjadi segumpal darah selama itu pula, kemudian seketul daging seperti yand demikian itu juga, iaitu 40 hari. Kemudian diutuskan kepadanya malaikat, lalu ditiupkan roh kepadanya dan diperintahkan menulis empat pekara : rezekinya, ajalnya, amalannya, celaka dan bahagianya. Maka demi Allah yang tiada Tuhan selain daripadaNya, sesungguhnya sesaorang kamu itu tetap akan beramal dengan amalan ahli syurga sehinggalah di antaranya dengan syurga itu jaraknya cuma sehasta sahaja. Tiba-tiba dia telah didahului oleh tulisannya ( suratan takdir ) sehingga dia beramal dengan amalan ahli neraka, maka masuklah ia ke dalam neraka. Dan sesungguhnya sesaorang kamu tetap akan beramal dengan amalan ahli neraka sehinggalah di antara dirinya dengan neraka cuma sehasta saja. Tiba-tiba dia telah didahului oleh tulisannya sehingga dia beramal dengan amalan ahli syurga, maka akhirnya masuklah dia ke dalam syurga itu. ”

    Hadis Kelima

    ” Daripada Ummul Mukminin, Ummi Abdullah Aisyah r.a. katanya : Telah bersabda Rasulullah SAW : ‘ Barangsiapa yang mengada-adakan sesuatu dalam agama yang bukan darinya adalah tertolak ‘, ~ diriwayatkan dari Al-Bukhari dan Muslim. Dan pada riwayat yang lain oleh Imam Muslim : ” Barangsiapa yang melakukan sesuatu amalan yang tidak dari perintah kami, maka ia adalah tertolak. ”

    Hadis Keenam

    “Dari Abu Abdullah An-Nu’man bin Basyir r.a. katanya : saya telah mendengar Rasulullah SAW bersabda : ‘ Sesungguhnya yang halal itu terang ( jelas ) dan yang haram itu terang, dan di antara keduanya pula terdapat pekara-pekara yang syubahat ( tidak terang halal atau haramnya ) yang tiada diketahui oleh orang ramai. Orang yang memelihara dirinya dari pekara-pekara yang syubahat itu adalah seperti orang yang melindungi agama dan kehormatan dirinya. Orang yang tergelincir ke dalam pekara syubahat itu akan tergelincir masuk ke dalam pekara haram. Laksana seorang pengembala di pinggir sebuah tempat larangan, yang akhirnya lalai dan masuk ia ke dalam tempat larangan itu. Adapun bagi setiap raja sebuah tempat larangan, dan tempat larangan Allah itu adalah pekara-pekara yang diharamkanNya. dan ketahuilah pada setiap jasad itu seketul daging. Andainya ia baik, baiklah seluruh jasad itu dan sekiranya ia rosak maka rosaklah seluruh jasad itu. Itulah hati. ‘

    Hadis Ketujuh

    Dari Abu Ruqayah Tamim bin Aus Ad-Dhari r.a, bahawasanya Nabi SAW bersabda : ‘ Agama itu adalah nasihat. ‘ Kami sekelian bertanya : ‘ Untuk siapa ? ‘ Maka jawab Rasulullah SAW : ‘ Bagi Allah, kitabNya, RasulNya dan bagi penganjur-penganjur kaum Muslimin dan orang awamnya. ‘

    Hadis Kelapan

    Dari Ibn Umar r.a, bahawasanya Rasulullah SAW pernah bersabda : ‘ Aku diperintahkan untuk memerangi manusia sehinggalah mereka mengaku tiada tuhan selain Allah dan bahawa Muhammad itu Rasulullah, dan mendirikan sembahyang, memberi zakat, maka jika mereka melakukan semua itu akan terselamatlah darah dan harata benda mereka dariku, kecuali yang mana ada hak Islam padanya dan perkiraan mereka terserahlah kepada Allah Ta’ala. ‘

    Hadis Kesembilan

    Dari Abu Hurairah Abdul Rahman bin Sakhar r.a : ” Bahawa saya mendengar Rasulullah SAW bersabda : ‘ Apa yang aku larang kamu lakukan maka hendaklah kamu tinggalkannya, dan apa yang aku perintahkan kamu lakukan hendaklah kamu lakukan sekadar kemampuan kamu. Sesungguhnya telah binasa umat-umat yang sebelum kamu disebabkan terlalu banyak bertanya serta pertelingkahan mereka terhadap Nabi-Nabi mereka.

    Hadis Kesepuluh

    Dari Abu Hurairah r.a : Telah bersabda Rasulullah SAW : ” Sesungguhnya Allah Ta’ala itu baik, dia tidak akan menerima melainkan yang baik sahaja. Dan sesungguhnya Allah telah memerintahkan kaum Mukminin sama sebagaimana Dia memerintahkan para Mursalin ( para Rasul ). Allah berfirman : ‘ Wahai para Rasul, makanlah dari yang baik-baik dan kerjakanlah amalan yang saleh. ‘ Dan Allah berfirman lagi : ‘ Wahai orang-orang yang beriman, makanlah dari makanan yang baik yang Kami berikan kepada kamu. ‘ Kemudian Rasulullah SAW mengisahkan tentang seorang lelaki yang telah belayar jauh. Rambutnya kusut, berdebu, mengangkat kedua belah tapak tangannya ke langit serta memohon : Ya Tuhanku ! Ya Tuhanku ! Sedangkan makanannya dari yang haram, minumannya dari yang haram dan pakaiannya dari yang haram, dan dia telah dikenyangkan dari sumber yang haram. Alangkah jauhnya dia ( doanya ) untuk dikabulkan. ‘

    Hadis Kesebelas

    Dari Abu Muhammad, Al-Hasan bin Ali bin Abu Talib, cucu Rasulullah SAW dan kesayangannya r.a yang berkata : ” Aku menghafal dari Rasulullah SAW : ‘ Tinggalkanlah apa yang meragukanmu kepada yang tiada meragukanmu. ”

    Hadis Keduabelas

    Dari Abu Hurairah r.a katanya: ” Telah bersabda Rasulullah SAW : ” Sebaik-baik Islam sesaorang itu adalah peninggalannya tentang apa yang tiada kena mengena dengannya. ”

    Hadis Ketigabelas

    Dari Abu Hamzah, Anas bin Malik r.a, khadam kepada Rasulullah SAW, bersabda Nabi SAW : Tiada beriman sesaorang kamu, sehinggalah ia mencintai saudaranya sama seperti ia menyintai dirinya sendiri.

    Hadis Keempatbelas

    Dari Ibnu Mas’ud r.a, katanya : Telah bersabda Rasulullah SAW : ‘ Tiada dihalalkan darah seorang Muslim, kecuali atas satu dari tiga sebab ; janda yang berzina, jiwa dengan jiwa ( membunuh tanpa hak ) dan orang yang meninggalkan agamanya, yang memisahkan diri dari jemaah.’

    Hadis Kelimabelas

    Dari Abu Hurairah r.a, bahawasanya Rasulullah SAW bersabda : ” Barangsiapa beriman kepada Allah dan Hari Akhirat, hendaklah berkata yang baik atau berdiam diri. Dan barangsiapa yang beriman kepada Allah dan Hari Akhirat, hendaklah berbuat baik kepada jiran tetangganya. Dan barangsiapa yang beriman kepada Allah dan Hari Akhirat, hendaklah menghormati tetamunya. ”

    Hadis Keenambelas

    Dari Abu Hurairah r.a, bahawasanya ada seorang telah berkata kepada Nabi SAW : ” Nasihatilah kepadaku ! ” Dijawab oleh Nabi SAW : ” Jangan marah! ” Orang itu berulangkali meminta supaya dirinya dinasihati, maka tetap Rasulullah SAW mengatakan : ” Jangan marah ! ”

    Hadis Ketujuhbelas

    Dari Abi Ya’la Syaddad bin Aus r.a, bahawa Rasulullah SAW bersabda : ” Sesungguhnya Allah telah mewajibkan berihsan ( menyempurnakan sesuatu dengan baik ) terhadap semua pekara. Seandainya kamu membunuh, maka bunuhlah secara sempurna, dan apabila menyembelih maka elukkanlah penyembelihan. Hendaklah sesaorang kamu menajamkan mata pisaunya dan merehatkan penyembelihannya. ”

    Hadis Kelapanbelas

    Dari Abu Dzar, Jundub bin Junadah dan Abu Abdul Rahman, Muaz bin Jabal r.a, dari Rasulullah SAW, sabdanya : ” Bertaqwalah kepada Allah di mana saja engkau berada. Iringkanlah perbuatan jahat itu dengan perbuatan baik, mudah-mudahan yang baik itu akan memadam yang jahat. Dan berperangai kepada manusia dengan dengan perangai yang bagus. ”

    Hadis Kesembilanbelas

    Dari Abu Abbas, Abdullah bin Abbas r.a : ” Bahawa pada suatu hari saya sedang berada di belakang Rasulullah SAW ( di atas binatang tunggangannya ), lalu sabda baginda : ‘ Wahai anak kecil, sesungguhnya aku telah mengajar kamu beberapa perkataan. Peliharalah ( perintah ) Allah, nescaya Dia akan memelihara kamu, peliharalah ( kehormatan ) Allah, nescaya engkau akan merasakan Dia berada bersama-samamu. Jika engkau memohon, pohonlah kepada Allah semata-mata. Jika engkau meminta pertolongan mintalah kepada Allah semata-mata. Ketahuilah bahawa jika semua umat manusia berkumpul untuk memberikan kepadamu sesuatu menafaat, nescaya mereka tidak akan mampu memberi menafaat itu, melainkan dengan sesuatu yang telah ditaqdirkan oleh Allah. Begitu juga sekiranya mereka berkumpul untuk menentukan suatu mudharat untuk kamu, nescaya mereka tidak akan mampu menentukannya, melainkan dengan suatu yang telah ditentukan Allah ke atas kamu. Telah diangkat kalam ( tulisan ) dan telah kering ( tinta ) buku catitan. ‘

    Hadis Keduapuluh

    Dari Abu Mas’ud, Uqbah bin Amru Al-Anshari Al-Badri r.a, katanya : ” Telah bersabda Rasulullah SAW : ‘ Di antara sabda para Nabi yang terdahulu yang masih dipakai untuk orang ramai ( sehingga kini ) ialah : Jika engkau tiada malu, buatlah sesuka hati kamu. ‘

    Hadis Keduapuluh Satu

    Dari Abu Amru dan dikatakan pula dari Abi Amrah Sufyan bin Abdullah r.a, katanya : ” Saya pernah bertanya Rasulullah SAW : Ajarkanlah kepadaku suatu ajaran mengenai Islam, yang tidak akan aku tanyakan lagi daripadanya akan seorang yang selain daripada engkau. Sabda Rasulullah SAW : ‘ Katakanlah, aku beriman kepada Allah, kemudian hendaklah engkau beristiqamah.’ ”

    Hadis Keduapuluh Dua

    Dari Abu Abdullah, Jabir bin Abdullah Al-Anshari r.a, bahawasanya telah bertanya seorang lelaki kepada Rasulullah SAW : ” Apa pendapatmu jika saya menunaikan semua sembahyang fardhu, dan aku berpuasa sebulan Ramadhan, dan aku halalkan yang halal dan aku haramkan yang haram, dan aku tidak menambahkan suatu atas demikian itu, adakah aku masuk syurga? Jawab Rasulullah SAW : Ya. ”

    Hadis Keduapuluh Tiga

    Dari Abu Malik Al-Hariths bin Ashim Al-Ashya’ri r.a, katanya : Telah bersabda Rasulullah SAW : ‘ Suci itu sebahagian daripada iman, dan Alhamdullilah memenuhi timbangan, dan Subhanallah Wal-Hamdullilah pula akan memenuhi ruang antara langit dan bumi. Dan sembahyang itu cahaya, dan sedekah itu bukti, dan sabar itu sinaran dan Al-Quran itu dalil bagimu atau atasmu. Setiap manusia berusaha, ada yang menjual dirinya, ada yang memeliharanya dan ada yang membinasakannya. ‘

    Hadis Keduapuluh Empat

    Dari Abu Dzar Al-Ghafiri r.a, dari Nabi SAW yang meriwayatkan dari Tuhannya Allah Azzawajalla, bahawasanya Tuhannya telah berkata : ” Wahai hamba-hambaKu ! Sesungguhnya aku telah mengharamkan penganiayaan atas diriKu, dan Aku jadikan haram di antara sesama kamu, maka janganlah kamu aniaya-menganiayai.
    Wahai hamba-hambaKu ! Kamu sekelian sesat, kecuali siapa yang telah Aku berikan hidayat kepadanya. Maka hendaklah kamu minta hidayat daripadaKu, nescaya Aku akan memberi hidayat itu kepadamu.
    Wahai hamba-hambaku ! Sekelian kamu lapar kecuali siapa yang telah Aku berikan makanan kepadanya, maka hendaklah kamu sekelain meminta makan daripadaKu, nescaya Aku akan beri kamu makan.
    Wahai hamba-hambaku ! Sekelian kamu bertelanjangan, kecuali sesiapa yang aku berikan pakaian, maka mintalah pakaian daripadaKu.
    Wahai hamba-hambaku ! Sekelian kamu membuat kesalahan pada waktu malam dan siang dan Akulah yang sahaja yang mengampunkan segala dosa. Maka mintalah keampunan daripadaKu, nescaya Aku akan mengampunkan segala dosa-dosa kamu.
    Wahai hamba-hambaku ! Kamu sekelian tidak mampu merancang sesuatu mudharat untuk memudharatkan Aku, dan kamu tidak mampu merancang sesuatu menafaat untuk memenafaatkan Aku.
    Wahai hamba-hambaku ! Jika sekiranya orang-orang yang terdahulu dan orang-orang yang terkemudian di antara kamu bersatu, samada dari jenis manusia atau jin, semuanya bertaqwa seperti taqwanya hati seorang manusia di antara kamu, nescaya yang demikian itu tidak akan menambahkan barang sedikit pun pada kerajaanKu.
    Wahai hamba-hambaku ! Jika sekiranya orang-orang yang terdahulu dan orang-orang yang terkemudian di antara kamu bersatu, samada dari jenis manusia atau jin, semuanya berhati jahat seperti jahatnya hati seorang manusia di antara kamu, nescaya yang demikian itu tidak akan mengurangkan barang yang sedikit pun pada kerajaanKu.
    Wahai hamba-hambaku ! Jika sekiranya orang-orang yang terdahulu dan orang-orang yang terkemudian di antara kamu bersatu, samada dari jenis manusia atau jin, semuanya berkumpul pada sebuah tanah lapang lalu masing-masing meminta padaKu, nescaya Aku akan memperkenankan kepada tiap-tiap seorang itu akan permintaannya, nescaya yang demikian tidak akan mengurangkan sedikit pun dari apa yang Aku miliki, melainkan seperti terkurangnya sebatang jarum yang jatuh ke dalam laut.
    Wahai hamba-hambaku ! Sebenarnya semua itu adalah amalan-amalan kamu yang Aku catitkan bagi kamu sekelian, kelak di kemudian hari akan Aku balas atas tiap-tiap satu daripadanya. Oleh itu, barangsiapa menerima kebaikan hendaklah ia memuji Allah dan barangsiapa yang menerima sebaliknya janganlah ia mencela kecuali dirinya sendiri. ”

    Hadis Keduapuluh Lima

    Dari Abu Dzar Al-Ghafiri r.a jua, bahawasanya segolongan manusia dari sahabat-sahabat Rasulullah SAW, bertanya kepada Nabi SAW : ” Wahai Rasulullah ! Orang-orang kaya telah lebih banyak mendapat pahala. Mereka sembahyang sebagaimana kami sembahyang, berpuasa sebagaimana kami berpuasa dan mereka bersedekah pula dengan harta kekayaan mereka yang lebih itu.”
    Bersabda Nabi SAW : ” Bukankah Tuhan telah menunjukkan kamu cara-cara bagaimana kamu boleh bersedekah ? Sesungguhnya dengan tiap-tiap tasbih itu sedekah, dan tiap-tiap takbir itu sedekah, dan tiap-tiap tahlil itu sedekah, dan pada tiap-tiap tahmid itu sedekah dan pada tiap-tiap tahli itu sedekah, dan menyuruh berbuat kebaikan itu sedekah dan melarang membuat kejahatan itu sedekah, dan persetubuhan sesaorang dengan isteri juga sedekah. ”
    Bertanya para sahabat : ” Ya Rasulullah ! Adakah sesaorang kami yang memuaskan syahwat dengan isterinya mendapat pahala juga ? ”
    Bersabda Rasulullah SAW : ” Apakah pendapat kamu sekiranya sesaorang itu melepaskan syahwatnya pada yang haram, adakah dosa atasnya ? Demikianlah pula, jika ia melepaskan syahwatnya pada yang halal, adalah baginya pahala. ”

    Hadis Keduapuluh Enam

    Daripada Abu Hurairah r.a : Bahawa Nabi SAW telah bersabda : ” Setiap anggota manusia harus membuat sedekah setiap hari apabila matahari terbit. Engkau mendamaikan antara dua orang adalah sedekah. Dan engkau menolong sesaorang menaiki tunggangannya atau pun engkau menolong mengangkat baginya barang-barang ke atas tunggangnya adalah sedekah, dan perkataan yang baik itu sedekah. Dan pada tiap-tiap langkah menuju ke tempat sembahyang adalah sedekah. Dan engkau menjauhkan bahaya dari jalan laluan juga menjadi sedekah. ”

    Hadis Keduapuluh Tujuh

    Dari An-Nawwas bin Sim’an r.a, dari Nabi SAW yang bersabda : ” Kebajikan itu adalah budi pekerti yang baik. Dan dosa pula adalah apa yang tersimpul di dalam diri engkau dan engkau benci bahawa ia diketahui manusia mengenainya.
    ~ Riwayat Muslim
    Dari Abi Wabishah bin Ma’bad r.a : ” Bahawa aku datang kepada Rasulullah SAW lalu banginda bertanya : ‘ Engkau datang bertanyakan erti kebajikan ? ‘ Aku menjawab : ‘ Ya ‘. Sabda Rasulullah SAW lagi : ‘ Tanyalah hati engkau. ‘ Kebajikan itu ialah apa yang mententeramkan diri engkau kepadanya serta mententeramkan hati. Manakala dosa pula ialah apa yang mengganggu jiwa dan meragui dalam dada, walaupun orang ramai telah memberikan engkau fatwa dan terus menfatwakan sesuatu.’ ”

    Hadis Keduapuluh Lapan

    Dari Abi Najih bin Al-Irbadh bin Sariyah, katanya : ” Rasulullah SAW telah memberikan suatu nasihat kepada kami yang mengeletarkan hati dan menitiskan air mata. Maka kami berkata kepadanya : ‘ Wahai Rasulullah, seolah-olah ini suatu nasihat yang terakhir, maka berikanlah kepada kami suatu pesanan. ‘ Sabda Rasulullah SAW : ‘ Saya berpesan kepada kamu supaya sentiasa bertaqwa kepada Allah Azza wajalla serta mendengar dan taat sekalipun kepada seorang hamba yang memerinta kamu. Sesungguhnya orang-orang yang masih hidup di antara kamu akan menyaksikan perselisihan yang banyak. Maka hendaklah kamu berpegang kepada sunnahku dan dan sunnah Khalifah Ar-Rasyiddin Al-Mahdiyyin yang beroleh petunjuk ( daripada Allah ) dan gigitlah ia dengan gigi geraham kamu ( berpegang teguh dengannya dan jangan dilepaskan sunnah-sunnah itu ).
    Dan jauhilah kamu dari pekara-pekara yang diadakan, kerana sesungguhnya tiap-tiap bida’ah itu menyesatkan. ‘

    Hadis Keduapuluh Sembilan

    Dari Muaz bin Jabal r.a, berkata : ” Khabarkan kepadaku suatu amalan yang membolehkan aku masuk ke dalam syurga dan menjauhkan aku dari neraka. ”
    Jawab Nabi SAW : ” Sebenarnya engkau telah bertanya suatu pekara yang besar, dan sesungguhnya amat mudah sekali bagi sesiapa yang dimudahkan oleh Allah Ta’ala, iaitu : Hendaklah engkau menyembah Allah dan tidak menyekutukanNya dengan suatu yang lain. Engkau mendirikan sembahyang, mengeluarkan zakat, berpuasa sebulan Ramadhan dan mengerjakan haji ke Baitullah. ”
    Kemudian Nabi bersabda lagi : ” Mahukah engkau aku khabarkan pokok amalan, tiangnya dan kemuncaknya? ” Aku menjawab : ” Mahu, ya Rasulullah . ” Sabda baginda : ” Pokok amalan ialah Islam, tiangnya ialah sembahyang dan kemuncaknya ialah jihad. ”
    Kemudian Nabi bersabda lagi : ” Mahukah engkau aku khabarkan kunci kepada semua pekara ini ? ” Aku menjawab : ” Mahu, ya Rasulullah. ” Lalu baginda memegang lidahnya seraya berkata : ” Awas, jaga ini baik-baik. ”
    Aku bertanya : ” Ya Rasulullah, adakah kami akan dituntut kerana berkata dengannya ? ” Baginda lalu menjawab : ” Dan tidak akan dicampakkan manusia ke atas muka mereka atau batang hidung mereka ke dalam neraka, melainkan hasil tutur bicara mereka. ”

    Hadis Ketigapuluh

    Dari Abi Tsa’labah Al-Khusani, Jurthum bin Nashir r.a, daripada Rasulullah SAW, yang bersabda : ” Sesungguhnya Allah Ta’ala telah memfardhukan beberapa kewajipan, maka janganlah kamu mengabaikannya. Dan ia telah menetapkan beberapa hudud ( batasan ), maka janganlah kamu melampauinya. Dia telah mengharamkan beberapa benda maka janganlah kamu melanggarnya. Dan Dia telah mendiamkan beberapa pekara sebagai suatu rahmat terhadap kamu, bukan kerana lupa maka janganlah kamu membahas mengenainya. ”

    Hadis Ketigapuluh Satu

    Dari Abu Abbas, Sahil bin Saad As-Sa’idd r.a, berkata : ” Telah datang seorang lelaki kepada Rasulullah SAW dan bertanya : ‘ Ya Rasulullah, tunjukkan aku suatu amalan, sekiranya aku buat, nescaya aku dicintai oleh Allah dan orang ramai. ‘
    Maka dijawab Nabi : ‘ Hendaklah zahid di dunia, nescaya engkau dicintai oleh Allah dan engkau zahid pada apa yang ada di sisi manusia, maka nescaya engkau dicintai oleh orang ramai. ‘

    Hadis Ketigapuluh Dua

    Dari Abi Said Sa’d bin Malik bin Sinan Al-Khudri r.a, bahawasanya Rasulullah SAW pernah bersabda : ” Tiada mudharat dan tiada memudharatkan. ”

    Hadis Ketigapuluh Tiga

    Dari Ibn Abbas r.a bahawa Nabi SAW pernah bersabda : ” Jika dilayankan setiap orang dengan tuntutannya, nescaya ada orang yang menuntut harta benda orang lain dan ada pula yang menuntut darahnya. Akan tetapi yang menuntut itu harus menbawa saksi, manakala yang memungkiri harus bersumpah. ”

    Hadis Ketigapuluh Empat

    Dari Abi Said Al-Khudri r.a, katanya : ” Aku mendengar Rasulullah SAW bersabda : ” Barangsiapa di antara kamu yang melihat kemungkaran, maka hendaklah ia mengubahnya dengan tangannya ( kuasanya ). Sekiranya ia tiada berkuasa maka hendaklah ia mengubahnya dengan lidahnya ( nasihatnya ). Sekiranya ia tiada berkuasa maka hendaklah ia mengubahkannya dengan hatinya ( tidak meredhai perbuatan tersebut ). Dan yang demikian adalah selemah-lemah iman.

    Hadis Ketigapuluh Lima

    Dari Abu Hurairah r.a, katanya : ” Telah bersabda Rasulullah SAW : ‘ Janganlah kamu berdengki-dengkian, dan jangan kamu tipu-menipu, dan jangan benci-membenci, dan jangan musuh memusuhi, dan jangan kamu berjual beli atas jual beli setengah yang lain, dan jadilah kamu sekelian sebagai hamba-hamba Allah yang bersaudara.
    Seorang Muslim adalah bersaudara sesama Muslim, tidak boleh menganiayanya, tidak boleh membiarkannya tertindas, tidak boleh mendustainya dan tidak boleh menghinainya.
    Taqwa itu berpunca dari sini – sambil Nabi SAW menunjukkan ke dadanya tiga kali. Sudah memadailah kejahatan seorang itu jika ia menghina saudaranya yang Islam. Seorang Muslim ke atas seorang Muslim yang lain diharamkan darahnya, harta bendanya dan kehormatannya. ‘ ”

    Hadis Ketigapuluh Enam

    Dari Abu Hurairah r.a., dari Nabi SAW, dari Nabi SAW, yang bersabda : ” Barangsiapa yang melapangkan seorang mukmin suatu kesusahan dari kesusahan-kesusahan dunia, nescaya Allah akan melepaskan dirinya dari suatu kesusahan dari kesusahan-kesusahan di hari kiamat.
    Dan barangsiapa yang meringankan penderitaan seorang yang susah, nescaya Allah akan meringankan penderitaan dirinya di dunia dan di akhirat.
    Barangsiapa yang menutup keaipan seorang Muslim, nescaya Allah akan menutup keaipannya di akhirat. Dan Allah selalu menolong hambaNya, selagi hambaNya berusaha menolong saudaranya.
    Barangsiapa yangmenuju satu jalan untuk menuntut ilmu, nescaya Allah akan memudahkan suatu jalan baginya ke syurga. Dan tidak berhimpun suatu kelompok manusia dalam suatu rumah dari rumah-rumah Allah, mereka membaca Kitabullah dan mempelajarainya antara sesama mereka, melainkan diturunkan ke atas perhimpunan mereka ketenteraman, diliputi oleh rahmat., di kelilingi oleh para Malaikat dan disebut Allah kepada sesiapa yang di sisiNya. Sesiapa yang dilengahkan oleh amalannya maka tidak akan dipercepatkan oleh keturunannya. ”

    Hadis Ketigapuluh Tujuh

    Dari Ibn Abbas r.a dari Rasulullah SAW yang meriwayatkan hadis ini daripada Tuhannya Tabaraka Wa Ta’ala, katanya : ” Sesungguhnya Allah telah menetapkan yang baik dan yang jahat, dan telah menerangkan keduanya itu. Maka barangsiapa yang bercita kepada kebaikan, kemudian ia tidak mengerjakannya – Allah akan mencatit disisinya satu hasanah yang sempurna. Dan jika ia melaksanakan, nescaya Allah akan mencatitkan di sisiNya sepuluh hasanah hingga tujuh ratus kali lipat ganda dan hingga sampai beberapa kali ganda banyaknya. Dan jika ia bercita-cita mengerjakan sesuatu kejahatan kemudian tidak dilakukannya, Allah akan mencatitkan di sisiNya satu hasanah yang sempurna. Jika ia meneruskan cita-citanya yang jahat itu dan melakukannya, Allah akan mencatitkan baginya satu kejahatan sahaja.
    ~ Bukhari dan Muslim dalam kitab sahih keduanya.

    Hadis Ketigapuluh Lapan

    Dari Abu Hurairah r.a bahawa Rasulullah SAW telah bersabda : ” Sesungguhnya Allah Ta’ala berfirman : Barangsiapa yang memusuhi waliKu ( orang yang setia padaku ), maka sesungguhnya aku mengisytiharkan perang terhadapnya. Dan tiada seorang hambaku yang bertaqarrub ( beramal ) kepadaKu dengan sesuatu yang lebih Ku cintai hanya dari ia menunaikan semua yang ku fardhukan ke atas dirinya. Dan hendaklah hambaKu sentiasa bertaqarrub dirinya kepadaKu dengan nawafil ( ibadat sunat ) sehingga Aku mencintainya. Maka apabila Aku telah mencintainya, nescaya adalah Aku sebagai pendengarannya yang ia mendengar dengannya, dan sebagai penghilantannya yang ia melihat dengannya, dan sebagai tangannya yang ia bertindak dengannya, dan sebagai kakinya yang ia berjalan dengannya. Dan sekiranya ia meminta kepadaKu nescaya Aku berikan kepadanya, dan sekiranya ia memohon perlindungan kepadaKu nescaya Aku lindungi ia

    Hadis Ketigapuluh Sembilan

    Dari Ibn Abbas r.a, bahawa Rasulullah SAW telah bersabda : ” Sesungguhnya Allah memaafkan bagiku daripada umatku segala perbuatan dari kesilapan dan kelupaan dan segala yang dipaksa ke atas diri mereka

    Hadis Keempatpuluh

    Dari Ibn Umar r.a., katanya : ” Rasulullah SAW telah memegang bahuku dan bersabda : ‘ Anggaplah dirimu di dunia ini sebagai seorang perantau, atau pengembara. ‘ Maka Ibn Umar berkata : “Jika engkau berada di waktu petang, maka janganlah engkau menunggu pagi. Dan jika engkau berada di waktu pagi maka janganlah engkau menunggu petang. Gunakanlah waktu sihatmu sebelum datang waktu sakit. Dan gunakanlah waktu hidupmu sebelum datang waktu mati. ”

    Hadis Keempatpuluh Satu

    Dari Abu Muhammad Abdullah bin Amru bin Al-Ash r.a katanya : ” Telah bersabda Rasulullah SAW : ‘ Tiada beriman sesaorang dari kamu sehingga hawa nafsunya patuh kepada apa yang aku sampaikan. ‘ ”

    Hadis Keempatpuluh Dua

    Dari Anas r.a, katanya : ” Aku mendengar Rasulullah SAW bersabda : ‘ Telah berfirman Allah Ta’ala :
    Wahai anak Adam ! Setiap kali engkau berdoa berharap kepadaKu, Aku akan tetap mengampunimu atas segala dosa yang engkau lakukan, dan Aku tiada peduli.
    Wahai anak Adam ! Andaikata dosa-dosa kamu setinggi langi kemudian kamu memohon keampunanKu, nescaya Aku akan mengampunimu.
    Wahai anak Adam ! Andaikata engkau datang padaku dengan dosamu sepenuh bumi ini, kemudian engkau menemuiKu, pada hal tiada engkau menyekutui akan Aku dengan sesuatu pun, nescaya Aku akan datang kepadamu dengan keampunan sepenuh bumi pula.

    Posted in PRODUK ALAT SULIT WANITA, PRODUK LELAKI, PRODUK SUAMI ISTERI, PRODUK WANITA, PRODUK ZAKARwith 2,451 Comments →

    HIMPUNAN NAMA-NAMA ISLAM05.06.10

    SENARAI NAMA LELAKI DAN PEREMPUAN UNTUK BAYI ANDA DARI HURUF A – Z

    NAMA HURUF A

    Aakif         Beriktikaf
    Aali           Tinggi
    Aamir      Memakmurkan
    Aathif       Belas kasih
    Aatik        Pemurah, Yang murni
    Aazad      Persian word – free, independent
    Abadi      Yang Kekal
    Aban        Lebih terang, lebih nyata, bersih
    Abbad     Great worshipper
    Abbas     Description of a lion, Nama paman Nabi, nama sahabat Nabi   Muhammad SAW
    Abbasy      Rajin berusaha
    Abbud       Worshipper
    Abbudin    Worshippers
    Abdel           Servant of Allah
    Abdu Rafi    Servant of the One Who Raises, Elevates – intellect, esteem
    Abduh        Hamba-Nya, julukan dari Nabi Muhammad SAW
    Abdul         Servant of Allah
    Abdul Alim    Hamba Allah Yang Mengetahui
    Abdul Aliyy    Servant of the Most High
    Abdul Azim    Hamba Allah Yang Agung
    Abdul Aziz    Hamba Allah Yang Mulia
    Abdul Baqi    Hamba Allah Yang Kekal
    Abdul Bari    Hamba Allah Yang Banyak Kebaikan
    Abdul Basit    Hamba Allah Yang Melimpah Nikmat
    Abdul Dayyan    Hamba Allah Yang Membalas
    Abdul Fattah    Hamba Allah Yang Membuka
    Abdul Ghaffar    Servant of the Forgiver
    Abdul Ghafur    Hamba Allah Yang Membuka
    Abdul Ghani    Hamba Allah Yang Pengampun
    Abdul Hadi    Hamba Allah Yang Kaya
    Abdul Hafiz    Hamba Allah Yang Memelihara
    Abdul Haiy    Hamba Allah yang Hidup
    Abdul Hak    Hamba Allah yang Sebenar
    Abdul Hakam    Hamba Allah yang Menghukum
    Abdul Hakim    Hamba Allah yang Bijaksana

    Abdul Halim    Hamba Allah yang Lemah Lembut
    Abdul Hamid    Hamba Allah yang Terpuji
    Abdul Hanan    Hamba Allah yang Penyayang
    Abdul Haqq    Servant of the Truth
    Abdul Hasib    Servant of the Respected, Esteemed
    Abdul Ilah    Hamba Allah, hamba Tuhan
    Abdul Jabbar    Hamba Allah Yang Tegas
    Abdul Jalil    Hamba Allah Yang Mulia
    Abdul Jawad    Hamba Allah Yang Pemurah
    Abdul Karim    Hamba Allah yang Pemurah
    Abdul Khaliq    Hamba Allah yang Mencipta
    Abdul Latif    Hamba Allah yang Lemah Lembut
    Abdul Majid    Hamba Allah yang Mulia
    Abdul Malik    Servant of the Master or King
    Abdul Mannan    Hamba Allah yang Memberi Nikmat
    Abdul Matin    Servant of the Firm, Strong
    Abdul Mu’ati    Hamba Allah yang Memberi
    Abdul Muhaimin    Hamba Allah yang Berkuasa
    Abdul Muizz    Servant of the Giver of Might and Glory
    Abdul Mujib    Servant of the Responder
    Abdul Mun’im    Hamba Allah yang Memberi Nikmat
    Abdul Mutaal    Servant of the Most High
    Abdul Nasir    Hamba Allah yang Menolong
    Abdul Nasser    Servant of the Victorious One
    Abdul Qadir    Servant of the Capable, Powerful
    Abdul Qahar    Hamba Allah yang Perkasa
    Abdul Qahhar    Servant of the Subduer, the Almighty
    Abdul Qayyum    Hamba Allah yang Berkuasa
    Abdul Quddus    Servant of the Most Holy
    Abdul Rahim    Hamba Allah yang Penyayang
    Abdul Rahman    Hamba Allah yang Pemurah
    Abdul Rashid    Servant of the Rightly Guided One
    Abdul Rasyid    Hamba Allah yang Bijaksana
    Abdul Rauf    Hamba Allah yang Pengasih
    Abdul Razak    Hamba Allah yang Memberi Rezeki
    Abdul Raziq    Hamba yang murah rezeki
    Abdul Razzaq    Servant of the Maintainer, the Provider
    Abdul Sabur    Servant of the Patient
    Abdul Salam    Hamba Allah yang Penyelamat
    Abdul Salam    Servant of the Peace
    Abdul Samad    Hamba Allah yang Menjadi Tumpuan
    Abdul Sami    Servant of the All-Hearing
    Abdul Shakur    Servant of the Most Thankful
    Abdul Syakur    Hamba Allah yang Bersyukur
    Abdul Tawwab    Servant of the Forgiver
    Abdul Wadud    Hamba Allah yang Pengasih
    Abdul Wafi    Hamba Allah yang Setia
    Abdul Wahab    Hamba Allah yang Memberi
    Abdul Wahhab    Servant of the Giver
    Abdul Wahid    Hamba Allah yang Esa
    Abdul Warith    Hamba Allah yang Mewarisi
    Abdullah    Hamba Allah (Servant of God)
    Abhar    Yang bergemerlapan, yang berseri
    Abid    Yang beribadat, beribadah
    Abidin    Yang beribadat
    Abrar    Golongan yang berbuat kebajikan
    Abrisam    Yang lembut/tampan
    abrullah    Pertolongan Allah
    Absyar    Bergembira
    Abu al Khayr    One who does good
    Abu Bakar    Nama sahabat Nabi Muhammad SAW (Yang bersegera)
    Abu Bakr    Name of one of Muhammads companions
    Abu Samah    Pemaaf, Yang bertoleransi
    Abu Wasim    Yang tampan
    Abu Zar    Nama sahabat Nabi Muhammad SAW
    Ad-Daruquthni    Imam perawi hadist
    Adabi    Kesopananku, kesusasteraan
    Adam    Nama Nabi, ikutan, teladan
    Adeeb    Berpengetahuan, beradab (cultured, civilised)
    Adel    Just
    Adham    Black
    Adi    Nama sahabat Nabi Muhammad SAW
    Adib    Beradab, sopan, pujangga
    Adli    Keadilanku, kelurusanku, adil
    Adnan    Nama org terdahulu
    Adwa    Cahaya
    adwan    Ketenangan
    Afdhol    Lebih Utama, terbaik
    Afeef    Chaste, modest
    Affan    name of Caliph Uthmans father
    Affandi    Gelaran bagi orang yang berkedudukan
    Afham    Yang pandai
    Afi    Pemaaf
    Afif    Punya harga diri
    Afiq    Yang mulia
    Afkar    Yang bijak
    Aflah    Yang beruntung, lebih sukses
    Afqar    Fakir
    Afsar    Lebih Jelas
    Afwu    Pemaaf
    Agha    Ketua, pimpinan
    Aghna    Berdikari
    Ahda    Beroleh petunjuk
    Ahlam    Impian, kesabaran
    Ahlami    Impianku, kelembutanku
    Ahlan    Keselamatan
    Ahmad    Most highly adored, or most praised; variation of the name Muhammad
    Ahmas    Yang bersemangat
    Ahna    Yang lemah lembut
    Ahnaf    Yang berpegang teguh pada ajaran agama, lebih suci ( lurus )
    Ahsan    Yang terbaik
    Ahwas    Pemberani
    Ahwaz    Yang bersungguh-sungguh
    Ahza    Yang beruntung
    Aibaq    Pesuruh
    Aiman    Berkat, Yang bertuah, kanan
    Aisar    Yang senang, mudah
    Aisy    Mewah, kaya raya
    Aiyub    Nama nabi
    Ajad    Berbuat baik
    Ajmal    Cantik, molek
    Ajwad    better
    Akalil    Mahkota
    Akbar    Yang besar
    Akhdan    Sahabat
    Akhtar    Yang terpilih
    Akid    Yang kuat, teguh, tetap
    Akif    Beri’tikaf
    Akil    Intelligent, thoughtful, one who uses reason
    Akma    Pimpinan
    Akmal    Sempurna, sangat pandai
    Akmani    Pengadil
    Akram    Most generous
    Akramah    Nama sahabat Nabi Muhammad SAW
    Akwa    Yang perkasa, kuat
    Al Baihaqi    Imam perawi hadist
    Al Fatih    awal, pembuka, pertama
    Ala    Nobility
    Aladdin    Nobility of faith
    Alamar    Berlapis emas
    Alamgir    Penakluk dunia
    Alauddin    Ketinggian agama, kemuliaan agama
    Alham    Beroleh ilham
    Ali    The highest, greatest, excellent, noble
    Alif    Kawan rapat
    Alim    Wise or learned
    Aliuddin    Ketinggian agama
    Aliyan    Yang tinggi
    Allam    Sangat mengetahui
    Allamah    Yang berilmu luas
    Alma’    Yang bergemerlapan Altaf,
    Almas    diamond
    Altamis    Panglima, ketua
    Althaf    Baik hati, lemah lembut, lebih lembut
    Alwan    Warna-warni
    Alzam    Yang tekun
    Amad    Tujuan
    Amadi    Masa, matlamatku
    Amal    Cita-cita, harapan
    Amali    Cita-citaku, harapanku
    Amaluddin    Cita-cita agama
    Amami    Julanganku, Golonganku
    Aman    Sentosa, keamanan
    Amanat    Pertaruhan, amanah
    Amani    Cita-cita, ketenanganku, keinginan, Kesejahteraanku
    Amanullah    Keamanan dari Allah
    Amar    Yang ramai zuriat
    Ameen    Faithful, trustworthy
    Ameer    Prince
    Amid    General
    Amili    Yang melakukan (perkara yang betul)
    Amin    Yang amanah, yang dipercayai, pemegang amanat
    Aminin    Orang-orang yang aman
    Aminuddin    Pengamanah agama
    Amir    Putera, ketua, pemerintah, penguasa, pemimpin, makmur
    Amiruddin    Pembela agama
    Amjad    More glorious
    Amkrun    Orang-orang berkuasa
    Ammar    Great builder, constructor
    Amnan    Tempat yang aman, ketenangan
    Amni    Ketenangan, Keamananku
    Amr    Old Arabic name
    Amran    Yang memakmurkan
    Amrin    Perintah
    Amrullah    Perintah Allah
    Amrun    Kemakmuranku
    Amsyar    Yang cergas
    Amzar    Yang mulia
    An’am    Yang diberi nikmat
    An-Nasa’i    Imam perawi hadist
    Anaqi    Keindahanku yang menawan hati
    Anas    Kemesraan, cinta, kasih, mesra, periang
    Andar    Yang berseri
    Aniq    neat, elegant, smart
    Anis    Close friend
    Anjab    Lebih utama dan bernilai
    Anma    Yang maju
    Anmar    Air yang bersih
    Ansar    Penolong, penyokong
    Ansari    Penolongku, penyokongku
    Anshar    Kaum Anshar sahabat Nabi SAW
    Antar    Berani dalam peperangan, nama pahlawan ksatria Arab
    Anwar    Light
    Anwari    Cahayaku
    Aqhar    Yang gagah
    Aqib    Balasan yang baik
    Aqil    Yang baik budi, bijaksana, dapat dipercaya, pintar
    Aqlan    Kebijakan
    Aqmar    Putih, cantik
    Aqra    Pandai membaca
    Arafat    Yang terkenal, kenalan
    Arami    Panji-panji
    Arfa    Yang tinggi, mulia
    Arfan    Gratitude
    Arhab    Memanjakan, lebih lebar dan luas
    Arham    Yang mesra
    Arib    Yang mahir
    Arif    Corporal; aquainted, knowledgable
    Ariffin    Yang bijak
    Ariq    Baik budi, mulia asalnya, bijaksana
    Arman    Harapan, aspirasi
    Arqam    Nama sahabat Nabi Muhammad SAW
    Arsalan    Nama seorang tokoh Islam
    Arsyad    Yang sangat cerdik
    Arumi    Asal keturunanku
    Arwarh    more delicate, more gracious
    Aryan    Kekuatan penuh
    As’ad    Yang berbahagia
    Asad    Lion
    Asadel    Most prosperous one
    Asdaq    Benar
    Asfa    Yang suci
    Ashim    Menjauhi maksiat
    Ashmah    Yang berani
    Ashraf    Lebih luhur
    Asif    Forgiveness, describer
    Asil    genuine, pure
    Asim    Protector, defender
    Asir    captivating, fascinating
    Asjad    Emas, permata
    Askari    soldier
    Aslah    Yang lebih baik
    Aslam    Selamat, terkawal, masuk Islam
    Asmaan    Hati yang suci dan pendapat yang teguh
    Asmah    Yang pemaaf
    Asmai    Hati yang suci
    Asmar    Yang hitam manis
    Asna    Yang tinggi, yang bersinar
    Asnawi    Yang berseri, gemilang
    Asri    Masaku, kemajuanku mengikut masa
    Aswad    Black
    Asy’ar    Perasa, jiwa halus
    Asyari    Perasaanku
    Asyiq    Kekasih, pencinta
    Asyir    Penyampai berita gembira
    Asymawi    Pemberianku
    Asyraaf    Yang mulia
    Asyraf    lebih mulia
    Asyrani    Periang, kemegahanku
    Asytar    Yang menawan
    At-Tirmidzi    Imam perawi hadist

    Ata    Gift
    Athallah    Karunia Allah
    Athar    Suci, bersih
    Athari    Yang bersih
    Athif    Belas kasih
    Athmar    Yang berjaya
    Aththobarani    Imam perawi hadist
    Atif    Belas Kasihan
    Atik    Pemurah, yang murni
    Atiq    Kaabah, yang dimerdekakan
    Atmam    Kesempurnaan
    Atyab    Wangi
    Aufa    Yang setia, lebih tepat
    Aun    Bantuan, pertolongan
    Auni    Lemah lembutku, ketenangan, Ketetapanku
    Aus    Pemberian
    Awad    Gantian, pemberian
    Awadullah    Pemberian, gantian dari Allah
    Awali    Pedang
    Awam    Yang tangkas
    Awliya    Kekasih
    Awraq    Yang memberi semangat
    Awsam    Yang segak
    Awuf    Yang wangi
    Awwaab    Great repenter to God
    Awwab    Yang banyak bertaubat pada Allah
    Awwadi    Yang bersungguh-sungguh
    Ayaaz    Slave (Persian)
    Ayadi    Nikmat
    Ayaz    Pekerja keras (Persian)
    Ayham    imaginary
    Ayman    Beruntung, pemegang kendali yang benar
    Ayoob    A Prophets name
    Aysar    Yang mudah
    Ayyub    Nama nabi
    Aza    Comfort
    Azad    Bebas, merdeka
    Azaim    Pelbagai azam
    Azam    Keazaman
    Azamuddin    Keazaman agama
    Azbin    Bersih, suci
    Azeem    Defender, referring to one of Gods ninety-nine qualities
    Azfar    Yang berjaya, yang menang
    Azhad    Yang zuhud
    Azhar    Bunga-bunga, Yang berseri, yang gemilang, lebih cerah
    Azhari    Yang berseri, yang gemilang
    Azib    Sabar dan gigih
    Azim    Besar
    Aziman    Keazaman
    Aziz    Yang mulia, yang kuat, kekasih
    Azizan    Yang mulia, yang kuat, kekasih
    Azizi    Kesayanganku, kekasihku
    Azka    Semakin maju, suci, bersih
    Azman    Cita-cita, tekad
    Azmi    Cita-citaku, tekadku, keteguhan hati
    Azmil    Kawan rapat
    Azri    Kekuatanku, penyokongku
    Azwar    Rajin
    Azza    Perhiasan
    Azzam    Determined, resolved
    Azzan    Nama orang dahulu

    NAMA HURUF B

    Baahi    Termegah, terhebat
    Baakir    Early
    Baari    Pencipta, salah satu dari nama Allah
    Baariq    shining, lighting, illuminating
    Baasim    smiling
    Badar    Bulan penuh, bulan purnama
    Badi    Istimewa
    Badi’    Indah
    Badil    Pengganti
    Badiuzzaman    Keindahan semasa
    Badr    Full moon
    Badr al Din    Full moon of the faith
    Badran    Bulan penuh (purnama)
    Badri    Bulan purnamaku, mempercepat jalannya
    Badruddin    Bulan purnama agama
    Badrulmunir    Bulan bercahaya
    Badrun    Bulan purnama
    Badrut Tamam    Bulan purnama
    Badrut Taman    Bulan purnama yg sempurna
    Badruz Zaman    Bulan purnama bagi jaman
    Baghawi    Nisbah
    Baha    Beautiful, magnificent
    Bahadur    Berani, kuat
    Bahauddin    Sinaran/ keindahan agama
    Bahi    Indah
    Bahij    Yang indah menawan, penggembira
    Bahir    Dazzling, brilliant
    Bahiyy al Din    Magnificence of the faith
    Bahjan    Rupawan, Cemerlang
    Bahjat    Kegemilangan, gembira, bahagia
    Bahlawan    Pendaki gunung
    Bahran    Bercahaya
    Bahri    Kegemilanganku
    Bahruddin    Sinaran agama
    Bahzi    Pembelaku
    Bais    Tentera
    Bakhit    Yang bertuah
    Bakhtiar    Yang bahagia
    Bakir    Muda, pagi2 benar
    Bakizah    Suci, wangi, Permata
    Bakri    Pagi-pagi benar
    Baliq    Fasih
    Balyan    Nama auliya
    Banin    Yang bijak, gigih
    Baqir    Sangat pandai, terpelajar
    Barakah    Blessing
    Bariq    Bercahaya, kemilau
    Barzun    Utama, berani
    Bashshar    Bringer of glad tidings
    Basil    Berani
    Basim    Gembira, tersenyum, selalu tersenyum
    Basir    Bijak, melihat
    Basirun    Yang melihat
    Basit    Pereka, pembuat
    Baslan    Keberanian
    Basri    Penglihatanku
    Bassam    Smiling
    Basyar    Pembawa berita baik
    Basyarah    Indah
    Baz    falcon
    Bazil    Yang pandai
    Bazilin    Yang menyumbang
    Bazli    Kebijaksanaanku, kepakaranku
    Bilal    Nama sahabat nabi, titisan embun
    Biruni    Nama ulama besar
    Bishr    Joy
    Bisyari    Kegembiraan
    Bisyir    Berita gembira
    Bisyrun    Berita gembira
    Budair    Berjalan cepat
    Bukhari    Imam perawi hadist
    Bunyamin    Nama saudara nabi yusuf
    Buraid    Dingin
    Buraidah    Kesejukan
    Burhan    Alasan, bukti, dalil, cahaya
    Burhanuddin    Dalil/cahaya/bukti agama
    Busairi    Nisbah
    Busrain    Kesegaran
    Busran    Kabar gembira

    NAMA HTURUF D

    Da’im    Kekal abadi
    Da’in    penyeru, pemanggil
    Dabir    Secretary
    Daffa    Pembela
    Dafinah    Kekayaan yang tersembunyi
    Dahin    Yang cerdik
    Dahlan    Nama belakang ulama
    Dailami    Askarku
    Daisam    Lemah lembut
    Daiyan    Hakim, pelindung, penjaga
    Dalil    Petunjuk, pemimpin, model, teladan
    Dana    Cerdas, bijak
    Dani    Dekat
    Danial    Nabi Allah SWT
    Danish    Pengetahuan, bijak
    Daniyal    Nabi Allah SWT
    Dara    possessor, sovereign
    Daris    Pembaca, pelajar
    Darul Muqomah    Tempat yg kekal ( surga )
    Daud    Nama Nabi Allah SWT
    Dawani    Nisbah
    Dawud    Arabic form of David, beloved; a Prophets name
    Dhabit    Yang kuat ingatan
    Dhafir    Menang
    Dhahir    Yang membantu
    Dhaifullah    Tamu Allah
    Dhamir    Yang langsing
    Dhamiri    Jiwaku
    Dhiya    Cahaya, sinar
    Dhiya Uddin    Cahaya agama
    Dhiya’Ulhaq    Sinar (cahaya) hak, sinaran kebenaran
    Dhiya’ur Rahman    Cahaya Yang Maha Pemurah
    Dhobith    Cermat, kuat, hakim
    Dhoif    Tamu
    Dhoifullah    Tamu Allah
    Dhomin    Penjamin
    Dhomir    Hati nurani
    Dhomiri Fadhil    Hati nurani, yg utama
    Dhomrah    Nama sahabat nabi Muhammad SAW
    Dhori’un    Orang2 yg merendahkan diri, tunduk
    Dhowi    Bersinar
    Dhu’un    Cahaya terang
    Dhukhom    Gemuk
    Dhul Fiqar    Name of the Prophets sword
    Dhuyuf    Tamu
    Difa    Pertahanan
    Dika    Ayam jago, jantan
    Dika Azhari    Ayam jago, bunga
    Din    Agama, kepercayaan
    Din Syamsudin    Matahari agama
    Dini    Agamaku
    Diwan    royal court, tribunal of justice
    Diya al Din    Brightness of the faith
    Dubies    Nama pahlawan arab
    Durar    Batu permata, Mutiara
    Durrani    Permataku
    Dzahab    Emas
    Dzaki    Cerdas, pandai, mudah, faham
    Dzakir    Teguh pendirian, baik/kuat harapannya
    Dzakka’    Cerdik
    Dzakwan    Harum semerbak, cerdas, jenius
    Dzal Aidi    Punya kekuatan
    Dzalkifli    Yang punya kesanggupan
    Dzamar    Nama seorang raja Yaman zaman dahulu
    Dzanun    Dzun Nun ( Nabi Yunus as )
    Dzatil’imad    Yang punya bangunan2 tinggi
    Dziban    Penghalau, yg membantu
    Dzikro    Pengajaran, peringatan
    Dzil Awtad    Punya pasak2 ( tentara yg banyak )
    Dzimar    Kehormatan diri
    Dziyab    Memperoleh harta, serbuan
    Dzul Autad    Punya tentara yg banyak
    Dzul Fahmi    Punya kefahaman
    Dzul Rahman    Yang Maha Pemurah
    Dzulfaqor    Nama pedang sahabat Ali bin Abi Thalib
    Dzulfiqar    Nama pedang Rasulullah SAW
    Dzulkifli    Yang punya kesanggupan

    NAMA HURUF E

    Eisa    A Prophets name Jesus
    Elman    Knowledge
    Emir    To command
    Eshan    Dalam berkah Allah
    Essam    Safeguard

    NAMA HURUF F

    Fa’id    Tetap, berhasil, istimewa, sungguh2
    Fa’iz    Berjaya, menang
    Fa’izin    Orang2 sukses
    Faaeq    faa-eq- outstanding, awake
    Fadal    Keutamaan
    Fadhali    Kelebihan, keutamaan
    Fadhil    Orang yg berbuat kebaikan, utama, mulia
    Fadhl    Kebaikan, kelebihan, sisa
    Fadhlurrahman    Keutamaan dari Allah, Anugrah Arrahman
    Fadi    Penebus
    Fadil    Generous, honorable
    Fadl    Dermawan, murah hati
    Fadlan    Keutamaan
    Fadli    Kelebihanku, ihsanku
    Fadlin    Keutamaan
    Fadlullah    Kelebihan Allah
    Faeyza    Sukses, hidupnya meningkat
    Fahad    Harimau bintang
    Fahd    Harimau
    Fahim    Yang faham, memahami, pintar, rajin belajar
    Fahman    Kefahaman
    Fahmi    Kefahamanku, pemahaman
    Faiq    Tertinggi, utama, terkenal, terkemuka
    Faisal    Penyelesaian, pemisah antara hak dan batil
    Fajar    Cahaya putih
    Fajari    Waktu fajar
    Fakeeh    Pleasant
    Fakhir    Kebesaran, yang baik, kejayaan
    Fakhiri    Honorary
    Fakhr Al Din    Kejayaan agama, kemenangan agama
    Fakhri    Kemegahanku, kebanggaan
    Fakhruddin    Kebanggaan agama, keutamaan dari Allah
    Fakhrullah    Kemegahan Allah
    Fakhry    Honorary
    Fakih    Legal expert; one who recites the Quran
    Falah    Jaya, sukses, beruntung
    Falih    Sukses
    Fannani    Seniman
    Faqih    wise
    Faraj    Kelonggaran, pelepasan
    Fareed    Unique
    Fareeq    Lieutenant General
    Farhan    Bergembira
    Farhat    Kegembiraan
    Farid    Istimewa, permata, tiada bandingan, tunggal, permata yang mahal
    Fariduddin    Permata agama, keistimewaan
    Faris    Horseman, knight
    Farooq    One who distinguishes truth from falsehood
    Faruq    Pembeda antara benar dan salah
    Fasahat    Fasih, lancar
    Fasih    Yang fasih
    Fateen    Clever, smart
    Fath    Victory
    Fathi    Pembuka, kemenanganku
    Fathuddin    Pembukaan, kejayaan agama
    Fathul Islam    Pembuka, kejayaan Islam
    Fathullah    Pembukaan, kejayaan Allah
    Fathurrahman    Pembukaan, kejayaan Allah yang pengasih
    Fatih    faateh-conqueror, opener
    Fattah    Penakluk
    Fauhad    Anak kecil yang gemuk
    Fauzan    Kejayaan, kemenangan
    Fauzi    Kejayaanku
    Fawwaz    Berjaya
    Fayruz    Permata
    Faysal    Decisive
    Fayyadh    Murah hati
    Ferran    Baker
    Fida    Redemption, sacrifice
    Fidai    Pengorbanan
    Fikri    Fikiranku, pemikir, pemikiranku
    Firas    Kecerdikan, tajam pikiran
    Firdaus    Nama surga tertinggi
    Firdaws    Highest garden in Paradise
    Fitri    Semulajadi
    Fouad    Heart
    Fuad    Hati, jiwa
    Fuadi    Jiwaku
    Fudail    Excellent in character
    Furqan    Bukti, kenyataan, pembeda benar dan salah

    NAMA HURUF G

    Gadi    Keberuntunganku
    Gamal    Camel
    Ghadi    Singa
    Ghaffar    Sedia mengampuni, lembut hati
    Ghaffur    Pengampun
    Ghailan    Nama sahabat Nabi Muhammad SAW
    Ghaisan    Rupawan
    Ghaisani    Cantik dan muda
    Ghali    Mahal
    Ghalib    Victor
    Ghani    Kaya, mewah
    Ghanim    Yang mencapai kejayaan
    Ghanimi    Kejayaanku
    Ghassan    Kecantikan dan kelembutan remaja, nama suku arab
    Ghaus    Pertolongan
    Ghazali    Nama seorang sufi dan filosof muslim
    Ghazi    Conqueror
    Ghiyath    Succorer
    Ghoits    Hujan
    Gholi    Mahal, sesuatu yg bernilai tinggi
    Gholib    Pemenang
    Ghomid    Pedang dlm sarungnya, nama Kabilah di Hijaz
    Ghonam    Penjaga rampasan perang
    Ghonim    Yang mendapat keuntungan
    Ghosan    Sumber air di padang pasir, usia muda belia
    Ghozi    Prajurit di medan perang, bertujuan
    Ghufran    Keampunan, pengampunan
    Ghulam    Anak muda
    Ghulaman Zakiya    Anak muda yg suci
    Ghulan    Remaja
    Ghulwani    Keremajaan dan kecerdasan
    Ghurofan    Tempat2 yg tinggi
    Ghusun    Tangkai pohon

    NAMA HURUF H

    Ha’im    Yang mengelilingi
    Haban Mutarokiba    Butir yg banyak
    Habbab    Yang mengasihi
    Habib    Beloved
    Habibi    Kesayanganku
    Hablan    Yang penuh
    Habri    Kegembiraanku
    Hadad    Dewa Syria yg jantan
    Hadi    Guiding to the right
    Hadif    Yang mempunyai matlamat
    Hadrami    Nisbah
    Hafidh    Pemelihara, Penghafal
    Hafiy    Yang memuliakan
    Hafiz    Penjaga, pelindung
    Hafizuddin    Pemelihara agama
    Hafuza    Pemberi semangat
    Haidar    Berani, singa
    Haikal    Pokok yang besar dan subur
    Hail    Yang disegani
    Haimadi    Pujian agama
    Haiman    Yang cinta, asyik, menguasai
    Haitham    lion
    Haiyan    Yang hidup
    Hajaj    Pelawat
    Hajib    Pendinding
    Hajid    Yang sholat malam ( tahajjud )
    Hajim    Pelindung
    Hakam    Pengadil
    Hakeem    Wise, one of Gods ninety-nine qualities
    Hakim    Bijaksana
    Halim    Mild, gentle, patient
    Hamal    Lamb
    Hamas    Berani
    Hambali    Pengikut Imam Ahmad bin Hambali
    Hamdan    Terpuji, pemuji Allah
    Hamdawi    Yang memuji
    Hamdi    Pujianku, pujian
    Hamdun    Terpuji, pujian
    Hamid    The praised one; variation of the name Muhammad
    Hamimi    Teman karibku
    Hamiz    Cerdik, kuat, tampan
    Hamizan    Cerdik, kuat, tampan
    Hamlan    Berdiri sendiri
    Hammadi    Pemuji
    Hammam    Yang mempunyai kemauan keras
    Hammani    Pemberi semangat
    Hamsyari    Anak jati watan
    Hamud    Yang banyak memuji
    Hamza    name of the Prophets uncle
    Hamzah    Kebijaksanaan, nama paman Nabi
    Hamzi    Ketegasanku
    Hanafi    Kelurusanku, pengikut Imam Abu Hanifah
    Hanania    Dikasihi Allah
    Hanbal    Purity
    Hani    Happy, delighted, content
    Hanif    Muslim yang teguh, yang lurus, bersih, suci
    Hanin    Kesayangan
    Haninda Aulia    Merindukan darjat yang mulia di sisi-Nya
    Hanis    Berani
    Hanun    Kesayangan
    Hariri    Suteraku, nisbah
    Haris    Pengawal, pelindung
    Harith    Kuat, berusaha
    Hariz    Pemelihara
    Harraz    Yang amat warak
    Harun    Arabic form of Aaron; lofty or exalted; A Prophets name
    Hasan    beautiful, good
    Hasbi    Yang memadai bagiku
    Hasbullah    Jaminan Allah
    Hashim    Broker, destroyer of evil; Hashim was a descendent of the Prophet Muhammad SAW
    Hasib    Berketurunan mulia
    Hasif    Kemas, rapi
    Hasnain    Dua kebaikan
    Hasnawi    Kecantikan
    Hasnun    Yang baik
    Hassan    Beautiful, handsome
    Hasyiem    Yang bermaruah
    Hasyim    Pemurah, yang suka menjamu orang
    Hatadi    Keaslianku
    Hatim    Judge
    Hauzan    Mahluk Manusia
    Hawari    Pengikut setia
    Hawwari    Penolong, bersih
    Hawwas    Yang bersemangat
    Haytham    Young hawk
    Hayyan    Yang hidup
    Hazim    Tegas, cermat, bijak, teliti
    Haziq    Cerdik, pandai
    Hazmi    Ketegasanku
    Helmi    Sabar dan berakal
    Helmy    Gentle, calm
    Hfiy    Yang memuliakan
    Hibatullah    Kurnia, anugrah Allah
    Hibban    Ibnu Hibban Pewari Hadist
    Hidawi    Pemberian
    Hidayat    Petunjuk
    Hidayatullah    Petunjuk Allah
    Hijazi    Kebersihanku
    Hikmat    Hikmat
    Hilal    Bulan sabit
    Hilel    The new moon
    Hilman    Kesopanan, kesabaran
    Hilmi    Kesopananku, kesabaranku
    Himmat    Cita-cita
    Hisham    Generosity
    Hisyam    Murah hati
    Hisyamuddin    Kemurahan agama
    Hiwayat    Yang disukai
    Hubaib    Kekasih
    Hud    A Prophets name
    Hudhayfah    Old Arabic name
    Hulaif    Yang setia
    Hulawi    Yang manis/menarik
    Humaidi    Kepujianku
    Humam    Courageous, generous
    Humdi    Yang memuji
    Husain    demunitive form of Hasan
    Husaini    Kebaikanku
    Husam    Pedang yang tajam
    Husam al Din    Sword of the faith
    Husayn    Beautiful
    Husnayan    Kemenangan, syahid
    Husni    Indah
    Husoin    Benteng pertahanan
    Hussein    Little beauty; Hussein was a descendent of the Prophet Muhammad=pbuh
    Huwaidi    Kembali kepada yang hak
    Huzaifah    Nama sahabat nabi Muhammad SAW
    Huzaiman    Nama sahabat nabi Muhammad SAW

    NAMA HURUF I

    I’tishom    Menjauhkan diri dari perbuatan maksiat
    Ibad    Rajin beribadah, hamba-hamba Allah
    Ibkar    Pagi hari
    Ibnu    Anak laki2
    Ibnu Abbas    Nama sahabat dan paman Nabi Muhammad SAW, ahli tafsir
    Ibnu Hajar    Nama ulama penyusun kitab hadits Bulughul Marom
    Ibnu Kholdun    Filosof dan sosiolog muslim
    Ibrahim    Father of a multitude; a Prophets name Abraham
    Idlan    Keadilan
    Idraki    Pengetahuanku, kefahamanku
    Idris    A Prophets name
    Idrus    Singa
    Iffat    Kesucian, kemurnian, kesopanan, kesederhanaan, Kehormatan diri
    Iftikhar    Kehormatan, pembawa kehormatan, Kebanggaan
    Iftiqar    Keperluan
    Ihsan    Beneficence
    Ihtisyam    Kehebatan
    Ijlal    Penghormatan, petunjuk, mulia, terhormat
    Ikhlas    Memuliakan
    Ikhtiari    Pilihanku
    Ikhtiaruddin    Pilihan agama
    Ikhwan    Persaudaraan
    Ikram    Honor, hospitality, generosity
    Iktidal    Keadilan
    Iktimad    Berserah
    Iktisham    Tenaga
    Ilham    Intuition
    Iliya    Nama nabi
    Ilman    Berilmu
    Ilyas    Nama nabi
    Ilyasa    Nama nabi
    Imad    Support, pillar
    Imad al Din    Pillar of the faith
    Imadi    Sokonganku
    Imaduddin    Tiang agama
    Imam    Pemimpin
    Iman    Faith, belief
    Imdad    Tolong, bantu, sokong
    Imran    A Prophets name
    Imtiyaz    Pilihan
    Inas    Kebaikan, keramah-tamahan, Kelembutan
    Inayat    Pertolongan
    Insaf    Kesadaran
    Intisar    Kemenangan
    Iqbaal    advance, advent
    Iqbal    Kejayaan, pujangga muslim, kemajuan
    Iqtidar    Kekuatan, tenaga
    Irfan    Kebijaksanaan, kesyukuran, pengetahuan
    Irsyad    Nasihat, panduan, petunjuk
    Irsyaduddin    Panduan agama
    Is’af    Pertolongan
    Isa    Nabi nabi
    Isam    Orang sukses dengan usahanya sendiri
    Ishak    Nama nabi
    Isham    Maksum
    Ishaq    A Prophets name
    Ishmat    Kekuatan menjauhi maksiat
    Iskandar    Nama seorang raja
    Islah    Pembetulan
    Islam    Kesejahteraan
    Isma    Pemelihara
    Ismail    A Prophets name
    Ismat    Ketulinan, kesucian, Kekuatan menjauhi maksiat
    Israr    Persendirian
    Issam    self-made success
    Istafa    Pilih, suka
    Isyhad    Penyaksian
    Isyraf    Pengganti, pengawasan
    Isyraq    Memberi sinar
    Ithar    Mengasihi orang lain
    Iwadh    Pengganti
    Iyad    Sokongan, kekuatan, gunung yang sukar didaki
    Iyyad    Kepulangan
    Izdihar    Berkilau, Perkembangan, kemajuan
    Izdiyad    Pertambahan
    Izz    Kekuatan
    Izz al Din    Might of the faith
    Izzan    Kepatuhan
    Izzat    Kemuliaan
    Izzudin    Kemuliaan agama
    Izzul Haq    Kemuliaan yang haq, sebenar-benarnya kemuliaan
    Izzul Islam    Kemuliaan Islam

    NAMA HURUF J

    Jaad    Sungguh2, dermawan
    Jaafar    Anak sungai
    Jaballah    Hadiah Allah
    Jabalun    Gunung, bukit
    Jabbar    Mighty
    Jabil    Yang kreatif
    Jabir    Consoler, Comforter
    Jabran    Pengganti, pembetul
    Jabri    Pertolonganku J
    Jadid    Baru
    Jadir    Pemurah
    Jadulhaq    Jalan kebenaran
    Jafar    Rivulet
    Jaffan    Yang terkawal
    Jafin    Yang mengawal
    Jafni    Kawalanku dari kejahatan
    Jahdi    Kemampuan
    Jahid    Yang berusaha
    Jahran    Yang tangkas
    Jaiz    Boleh
    Jalaal    Glory of the faith
    Jalal    Kemuliaan, keagungan, semarak, cahaya, keindahan
    Jalaluddin    Kemulian agama
    Jaleel    Great, revered
    Jali    Yang nyata
    Jalil    Yang mulia
    Jalud    Kuat dan sabar
    Jam’an    Kesatuan, 2 pasukan
    Jamal    Beauty
    Jamal al Din    Beauty of the faith
    Jamali    Kecantikanku
    Jamaluddin    Keindahan agama
    Jamalullail    Keindahan malam
    Jameel    Beautiful
    Jamhari    Kelompok manusia
    Jamil    Yang tampan, indah
    Jamri    Perhimpunanku
    Jamsyir    Kecantikan
    Jarir    Tempat bertumpu
    Jaris    Karunia Allah
    Jarullah    Tetangga Allah
    Jasim    Badan, Fisik
    Jasir    Keberanian
    Jauni    Keputihan, siang
    Jauzan    Pertengahan
    Jawad    Open-handed, generous
    Jawahir    Permata
    Jawhar    Jewel, essence
    Jawwad    jawwaad-generous
    Jazali    Kegembiraanku
    Jazil    Besar, banyak
    Jazim    Mempastikan
    Jazlan    Gembira, riang
    Jazli    Fasih
    Jazman    Tekad yang kukuh
    Jazmi    Tekad yang kukuh
    Jazuli    Nisbah
    Jibril    Archangel of Allah, Gabriel
    Jihad    Struggle, holy war
    Jihadi    Perjuangan
    Jihan    Nama tokoh wanita, Kemegahan
    Jilani    Penyiaranku
    Jiratullah    Bantuan Allah
    Jiwari    Jaminanku
    Jiyad    Yang Baik
    Juani    Sinaranku
    Jubair    Pertolongan, nama ulama besar
    Jubran    Nama sastrawan
    Jufri    Keluasan, di tengah
    Juhair    Suara Nyaring, Lantang
    Juhlan    Yang termulia
    Jumah    Born on Friday
    Juman    Mutiara
    Jumani    Mutiaraku
    Junaid    Tentara
    Junaidi    Tentaraku
    Junaidun    Tentera
    Jundi    Prajurit
    Juwaidi    Keelokanku

    NAMA HURUF K

    Kaab    Kemuliaan, terhormat
    Kabir    Agung, besar
    Kadar    Berkekuatan penuh
    Kadeen    Friend, companion, confidant
    Kadeer    Green or green crop – connoting freshness and innocence
    Kadhim    Menahan Diri
    Kadin    Teman, rekan, kawan
    Kafil    Penjamin
    Kafila    Saksi
    Kahil    Friend, lover
    Kailani    Nama seorang ulama, nama kitab Shorof
    Kalim    Ahli pidato
    Kalimatullah    Kalimat Allah
    Kaliq    Creative, refers to a quality of God
    Kamal    Beauty, perfection
    Kamaluddin    Kesempurnaan agama
    Kamaruddin    Bulan agama
    Kamarul Arifin    Bulan orang arif
    Kamaruzzaman    Bulan masa
    Kameel    perfect, complete, genuine, learned
    Kamil    Sempurna
    Karami    Kemuliaanku
    Kardal    Mustard seed
    Kareef    Born in Autumn
    Kareem    Generous, noble, friendly, precious and distinguished
    Karim    Yang mulia
    Kariman    Haji dan jihad
    Karman    Kemuliaan
    Kaseeb    Fertile
    Kaseem    Divided
    Kasir    Melimpah, banyak
    Kateb    Writer
    Katib    Juru tulis
    Kazhim    Menahan diri
    Kazim    Penyabar
    Khabir    Yang mengetahui dengan sebenarnya, pakar, berpengalaman
    Khadhi    Orang yg rendah hati
    Khadim    Sukarelawan
    Khair    Kebaikan, kebajikanku
    Khair al Din    The good of the faith
    Khairan    Kebaikan
    Khairani    Kebaikanku
    Khairi    Kebaikan, kebajikanku
    Khairi Habibullah    Kebaikan, kekasih Allah
    Khairin    Kebaikan
    Khairuddin    Sebaik-baik agama, kebaikan agama
    Khairul Anwar    Cahaya yang baik
    Khairul Hadi    Sebaik-baik yang memberi petunjuk
    Khairul Harisin    Sebaik-baik pengawal
    Khairul Ikhwan    Persaudaraan yang baik
    Khairul Jamal    Sebaik-baik keindahan
    Khairul Umam    Sebaik-baik umat, nama seorang seniman
    Khairul Zaman    Sebaik-baik masa
    Khairullah    Kebaikan dari Allah
    Khairun Nas    Sebaik-baik manusia
    Khairy    Charitable, beneficent
    Khaizuran    Ketua, pemimpin
    Khalaf    Anak yang baik, pengganti, ulama
    Khalas    Yang selamat
    Khaldoon    Old Arabic name
    Khaldun    Kekal, nama seorang ahli sejarah
    Khaled    Eternal
    Khaleel    Beautiful, good friend
    Khalid    Yang kekal
    Khalifah    Pengganti, wakil
    Khalil    Sahabat, Kesayangan
    Khalili    Sahabat
    Khalish    Suci, ikhlas, murni
    Khallad    Yang kekal
    Khan    Ketua, pemimpin
    Khasyi    Orang yg khusu? dlm sholat
    Khatib    Religious Minister
    Khattab    Ahli pidato
    Khawatim    Akhir, cincin
    Khayam    Pembuat khemah
    Khazin    Penyimpan harta negara, bendahara
    Khazindar    Penjaga kekayaan
    Khidir    Nama nabi, orang shaleh kawan Nabi Musa AS
    Khilfi    Pengganti
    Khithoba    Berbicara
    Khiyar    Pilihan terbaik
    Khobir    Yang mengetahui dengan sebenarnya, ahli mengetahui
    Khodhi’    Orang yang rendah hati
    Khodim    Jejaka
    Khofiqur Ruh    Yang menarik hati
    Khoir    Baik, lebih baik Khoiri,
    Khoir Sholih    Baik, sholih
    Khoiron    Kebaikan
    Khoiruddin    Yang baik agamanya
    Khoirul Anam    Sebaik-baik makhluk
    Khoirullah    Kebaikan dari Allah
    Khoirun Maqoma    Lebih baik tempat tinggalnya
    Khoirun Marodda    Lebih baik kesudahannya
    Khosyi    Orang yang khusyu? dalam shalat
    Khozin    Penyimpan harta
    Khuararizmi    Nisbah
    Khudari    Nisbah
    Khumaini    Pandangan yang jauh
    Khursyid    Matahari
    Khuwailid    Kekal
    Khuzaymah    Old Arabic name
    Kiram    Mulia
    Kiraman    Mulia

    NAMA HURUF L

    La’iq    Yang layak
    Labeeb    Sensible, intelligent
    Labib    Cerdik, munasabah, bijaksana, cerdas
    Labid    Nama sahabat nabi Muhammad SAW
    Lahmuddin    Kekuatan agama
    Lais    Berani
    Laith    lion
    Lamani    Kegemilanganku
    Lami’    Mengkilat
    Lamih    Mengkilat
    Lamin    Kepercayaan
    Lathif    Halus budi, sopan
    Latif    Gentle, kind, pleasant, friendly
    Lazim    Tetap
    Lazman    Tetap
    Liaqat    Kebolehan, keupayaan
    Libasut Taqwa    Pakaian taqwa
    Lisana Shidqin    Buah tutur yang baik
    Liwauddin    Panji agama
    Liwaun Nasari    Panji kemenangan
    Lizam    Yang mendiami
    Lu?ay    Nama seorang datuk Nabi Muhammad SAW
    Lubaid    Yang kaya
    Lubawi    Yang pintar
    Lujain    Keputihan, perak
    Luqman    A Prophets name
    Luqmanul Hakim    Luqman yang bijaksana
    Lutfan    Lemah lembut
    Lutfi    Kehalusanku, lembut
    Lutfil Hadi    Taufik Allah Yang Hadi
    Lutfilah    Taufik Allah
    Lutfir Rahman    Pertolongan Allah
    Luth    Nama nabi
    Luthfi    Keramah-tamahan
    Luthfi Hamid    Keramah-tamahan yang terpuji
    Luthfi Yazid    Keramah-tamahan, bertambah
    Luzman    Tetap
    Khoirun Nuzula    Hidangan yg lebih baik
    Khola’ifal Ardhi    Penguasa-penguasa di muka bumi

    NAMA HURUF M

    Ma’ayisy    Penghidupan, keperluan2 hidup
    Ma’in    Air mengakir yg sangat jernih
    Ma’lum    Yang diketahui
    Ma’mun    Aman, yg dapat dipercaya
    Maajid    Mulia
    Maalik    Yang memiliki
    Maamar    Kemakmuran
    Maarif    Kecantikan, pengetahuan
    Maasyir    Pandai bergaul
    Mabruk    Yang diberkati
    Mabrur    Membuat kebajikan
    Madani    Kemajuan
    Mahadhir    Menulis kebaikan
    Mahamid    Pujian, terpuji
    Mahasin    Kebaikan
    Mahbub    Dikasihi, disukai, dicintai
    Mahdi    Guided to the right path
    Mahfuz    Terpelihara
    Mahir    Pakar
    Mahmoud    The praised one; variation of the name Muhammad
    Mahmud    Terpuji
    Mahran    Kebijaksanaan
    Mahrus    Yang dijaga
    Mahzuz    Bernasib baik
    Maimun    Lucky
    Maisur    Yang senang
    Majad    Kemuliaan
    Majdi    Kemuliaanku, kemuliaan
    Majduddin    Kemuliaan agama
    Majdy    Glorious
    Majid    Dihormati
    Majid al Din    Glory of the Faith
    Makarim    Kemuliaan
    Makhlad    Yang kekal
    Makhluf    Maju
    Makin    Strong, firm
    Malazi    Tempat perlindungan
    Malik    Master, angel, king
    Mamdouh    One who is commended, praised, glorified
    Mamduh    Terpuji
    Mamun    Trustworthy
    Man    Benefit
    Manaf    Ketinggian, kenaikan
    Manan    Pemurah
    Mansur    Divinely aided, victorious
    Manzur    Yang boleh diterima, dipersetujui
    Khorulfashilin    Pemberi keputusan yang baik
    Khairul Amirin    Sebaik-baik pembina
    Khairul Anam    Sebaik-baik manusia
    Maqbul    Diterima, dipersetujui
    Mar’ie    Terpelihara
    Marid    Rebellious
    Marjan    Batu karang
    Marwan    Name of an Omayad caliph who built the Dome of the Rock
    Marzuq    Blessed by God, fortunate
    Marzuqi    Rezekiku
    Mas’ud    Bertuah, bahagia
    Mashal    Torch
    Masrur    Yang riang, suka
    Masud    Fortunate, happy, lucky
    Masun    Yang terpelihara
    Masyahadi    Persaksianku, tuntutanku
    Masyhad    Kesaksian
    Masyhur    Kesohor
    Masykur    Yang bersyukur
    Masyruh    Lapang dada
    Matlub    Cita-cita
    Maula    Tuan besar
    Maulawi    Yang berzuhud (Maulana)
    Mawardi    Nisbah, air mawarku
    Mazhud    Yang zuhud
    Mazin    Proper name
    Maziz    Mulia
    Miftah    Pembuka, perintis
    Mifzal    Teramat mulia
    Mikbad    Ibadah
    Mikdam    Berani
    Mikyad    Yang bertaubat
    Minhaj    Acara, biasa
    Mirza    Anak yang baik
    Misbah    Lamp
    Mizwar    Rajin berkunjung
    Mohamad    Yang terpuji, di rahmati
    Mohamed    Yang terpuji, di rahmati
    Mohammed    Praised; from Muhammad, name of the Prophet=pbuh
    Mohd    Singakatan ejaan untuk Muhammad
    Mu’min    Seorang yang beriman
    Muadh    Protected
    Muammar    Panjang umur
    Muawiyah    Nama sahabat Nabi Muhammad SAW
    Muayyad    Kuat, menang
    Muaz    Nama sahabat Nabi Muhammad SAW
    Muazzam    Dihormati, disanjungi
    Mubarak    Happy, blessed
    Mubasyir    Pembawa petanda yang baik
    Mubin    Sinar, jernih
    Mudrik    Berakal, memahami
    Mufid    Useful
    Mughis    Penolong
    Muhaimin    Yang memelihara dan mengawal
    Muhajir    Yang berhijrah
    Muhammad    Praised; the name of the Prophet – pbuh
    Muhanned    Sword
    Muharram    Bulan Muharram
    Muhazzab    Terdidik
    Muhib    Kekasih, peminat
    Muhibbuddin    Pengasih agama
    Muhsin    Beneficient, charitable
    Muhtadi    Beroleh hidayah
    Muhyiddin    Yang menghidupkan agama
    Muinuddin    Pembela agama
    Muizzuddin    Penyokong agama
    Mujahid    Fighter – in the way of Allah
    Mujib    Penyahut
    Mujibuddin    Penyahut agama
    Mujibur    Penyahut seruan Allah Yang Maha Pengasih
    Mujtaba    Yang terpilih
    Mukhtar    Chosen
    Muktasim    Terjaga
    Mukti    Pemberani
    Mulhim    Pemberi inspirasi
    Munabbih    Pemberi peringatan
    Munawwar    Berkilau
    Munawwir    Bersinar
    Mundhir    Warner, cautioner
    Muneer    Brilliant, shining
    Munir    Yang menerangi
    Munsif    Adil, bijaksana, jujur
    Muntasir    Pemenang
    Muntazar    Yang diawasi
    Munzir    Yang memberi amaran
    Muqri    Ahli ibadat
    Muqtadir    Yang berkemampuan
    Murad    Keinginan, cita, tujuan, maksud
    Murad    muraad-aim
    Muradi    Harapanku
    Mursil    Wakil
    Mursyid    Pembimbing, guru, pemberi petunjuk
    Murtadho    Diridhoi
    Murtadi    Satisfied, content
    Mus’ab    Nama sahabat nabi Muhammad SAW
    Mus’ad    Yang bahagia
    Musa    A Prophets name – Moses
    Musad    Unfettered camel
    Musaid    Penolong
    Musawi    Yang adil
    Musayyad    Nama sahabat nabi Muhammad SAW
    Mushthafa    Chosen one
    Muslih    reformer
    Muslihin    Yang memulihkan
    Muslihuddin    Pemulih agama
    Muslim    Menyerah diri kepada Allah
    Mustafa    Terpilih
    Mustaqim    Yang lurus
    Musyrif    Tinggi, pengawas
    Muta    Obeyed
    Mutalib    Yang menuntut dari masa ke semasa
    Mutasim    Adhering – to faith, to God
    Mutazz    Proud, mighty
    Muti    Obedient
    Muwaffaq    Successful
    Muzaffar    Kemenangan

    NAMA HURUF N

    Na’il    Yang suka memberi, penyelesai masalah
    Naashif    Adil, insyaf, pelayan
    Nabawi    Bersifat kenabian
    Nabeel    Noble
    Nabhan    Noble, outstanding
    Nabih    Cerdik, Mulia
    Nabihan    Mulia, masyhur
    Nabil    Yang cerdik, mulia, mahir, dermawan, bijaksana, seseorang penuh kehormatan
    Nadeem    Friend
    Nadhif    Bersih
    Nadhim    Pengatur
    Nadhir    Indah, elok
    Nadhmi    Teratur, disiplin
    Nadi    Tempat pertemuan
    Nadim    Rekan, sahabat
    Nadir    Berseri-seri
    Nafi’    Yang berguna
    Nafil    Tambahan
    Nafis    Bernilai, berharga
    Nafiz    Yang melaksanakan
    Nahar    Keluasan sungai
    Nahdan    Kebangkitan
    Nahid    Anak dalam masa puber
    Nahlan    Berbisa
    Naif    Tinggi, berkedudukan, menonjol
    Naif Nail    Aquirer, earner
    Nail    achiever
    Naim    Comfort, ease, tranquility
    Najah    Keselamatan, Kemenangan
    Najdat    Berani
    Najeeb    Of noble descent
    Naji    Safe
    Najib    Keturunan yang mulia, utama, bernilai
    Najid    Gagah, berani
    Najih    Yang menang
    Najjar    Carpenter
    Najm    star, planet
    Najm al Din    Star of the faith
    Najmi    Bintang, bintangku
    Najmuddin    Bintang agama
    Najmussabah    Bintang subuh
    Najwan    kemenangan
    Naqib    Yang menjamin
    Naqiuddin    Kebersihan agama
    Nasab    Keturunan mulia
    Nashif    Adil, insaf, pelayan
    Nashir    Penolong, pembela
    Nashiruddin    Penolong Agama
    Nashrullah    Kemenangan dari Allah
    Nasif    just
    Nasih    Advisor
    Nasim    Angin sepoi-sepoi
    Nasir al Din    Protector of the faith
    Nasiruddin    Pembela agama
    Nasran    Pertolongan
    Nasrat    Kemenangan
    Nasri    Pertolonganku, kemenanganku
    Nasruddin    Pertolongan agama
    Nasrul Haq    Pertolongan kebenaran
    Nasrullah    Pertolongan Allah
    Nasser    Protector
    Nasyat    Kecergasan
    Naura Auni    Bunga yg bersahaja dan lemah lembut
    Nawab    Pemimpin, pemerintah
    Nawaf    Nama populer orang Arab
    Nawfal    Generous, old Arabic name for the Sea
    Nawi    Ketua
    Nawwaf    Yang menonjolkan
    Nawwar    Pemberi cahaya
    Nazeeh    Pure, chaste
    Nazeem    Arranger, adjuster
    Nazhan    Jauh dari yang dieji
    Nazih    Yang bersih, bersih dari noda cacat
    Nazim    Penyajak
    Nazir    Bandingan
    Nazmi    Bintangku, keindahanku
    Nazran    Persembahan untuk Allah
    Nazri    Pandanku
    Niamuddin    Peraturan agama
    Nidal    Perjuangan, menang
    Nidham    Peraturan
    Nikmat    Rahmat
    Niyaz    Doa, harapan
    Nizam    Peraturan
    Nizar    Yang memerintah, sedikit berbicara, sedikit memberi
    Nooh    A Prophets name
    Noor    Cahaya
    Noori    Shining, brightness
    Nu’man    Kebaikan, kenikmatan
    Nuaim    Nikmat
    Nufail    Pemberian, hadiah
    Nuh    Nama nabi
    Numair    Panther
    Numan    Blood
    Nur al Din    Brightness of the faith
    Nurhan    Cahaya raja
    Nuri    Cahayaku, bercahaya
    Nuruddin    Cahaya agama
    Nurul Haq    Cahaya kebenaran
    Nurul Hidayah    Cahaya petunjuk
    Nurul Islam    Cahaya Islam
    Nusari    Pertolongan
    Nuwair    Cahaya

    NAMA HURUF O

    Omar    Long life, first son, most high, the Prophets follower
    Omran    Solid structure

    NAMA HURUF P

    Pasha    lord, honourific title
    Putra    Putera

    NAMA HURUF Q

    Qa’id    Pemimpin
    Qabus    Orang yg gagah, tampan dan baik kulitnya
    Qadir    able, powerful
    Qaid    qaayed-leader
    Qaiser    Raja
    Qani’    Puas
    Qarin    Yang dekat, teman
    Qashid    Yang menuju pd kemudahan
    Qasim    Divider, distributor
    Qaulalhaq    Perkataan yang benar
    Qays    Firm
    Qiyaman    Pokok kehidupan
    Qobus    Lelaki berwajah tampan
    Qoid    Pemimpin
    Qosiim    Yang molek, bagian
    Qosim    Ganteng, yang membagi
    Qudamah    Courage
    Quds    holiness, sanctity
    Quraisy    Suku bangsa arab asal Rasulullah SAW
    Qushayyi    Jauh pemikirannya, nama nenek moyang Nabi Quthb,
    Qutaybah    Irritable, impatient
    Qutub    Pemimpin, kutub

    NAMA HURUF R

    Rabah    Gainer
    Rabbani    Arif dan soleh
    Rabbi’    Musim semi
    Rabi    Spring, breeze
    Rabiti    Yang zahid
    Radi    Yang ridha
    Rafa    Bahagia
    Rafaat    Sangat lembut, cinta
    Rafi    exalted
    Rafid    Penolong, pengawal, pemberi
    Rafidan    Sungai Dajlah dan Furat
    Rafie    Tinggi dan mulia
    Rafiq    Kind, friend
    Rafiqi    Pendampingku
    Rafiqin    Pendamping
    Rafiuddin    Pendukung agama
    Raghib    Desirous
    Rahimi    Kesayanganku
    Rahman    Compassionate, merciful; referring to qualities of God listed in the Quran
    Rahmani    Kesayanganku
    Rahmat    Rahmat, belas kasihan
    Rahmatullah    Rahmat Allah
    Rahmi    Belas kasih
    Rahmuni    Yang penyayang
    Raid    Leader
    Raidi    Pelopor
    Raihan    Bunga surga, tumbuhan yg harum
    Raimi    Keutamaanku
    Rais    Captain
    Raiyan    Yang puas
    Raja’    Harapan
    Rajab    Bulan Rajab
    Rajaie    Harapanku
    Rajauddin    Harapan agama
    Rajih    Timbangan yang mantap
    Rakin    Dihormati
    Ramadhan    Bulan Ramadhan
    Rami    Penuh kasih
    Ramli    Penelitianku
    Ramzi    Lambangku
    Rania    Kesukaan, kesenangan
    Raoof    Merciful
    Raqib    Penjaga, pengawal
    Raqilla    Yang selalu berbuat kebajikan
    Rashaad    Integrity of conduct
    Rashad    Kedewasaan, berperasaan baik
    Rashid    One of good council; rightly guided, having true faith
    Rashin    Yang bagus, yang tetap
    Rasin    Yang mantap
    Rasmi    Yang rasmi, lukisanku
    Rasuli    Wakilku, utusanku
    Rasyad    Memperoleh petunjuk
    Rasydan    Mendapat petunjuk
    Rasyid    Petunjuk, cerdas, mendapat petunjuk
    Ratib    Arranger
    Rauf    Pengasuh, bermurah hati
    Rauhillah    Rahmat Allah
    Rawi    Tubuh serta akal yang sihat
    Rawiyani    Keindahanku
    Rayhan    ease, fragrant, comfort
    Rayyan    Kepuasan; pintu syurga utk orang yang berpuasa
    Razi    Nisbah
    Razin    Berakhlak, serius dlm perilaku
    Rida    Keredhaan
    Ridauddin    Keridhaan agama
    Ridha    Kepuasan hati, ridho
    Ridhwan    Keridhoan Allah
    Ridwan    Acceptance, good will; name of the keeper of the gates of Heaven
    Rif’at    Tinggi martabatnya
    Rifai    Yang tinggi dan mulia
    Riffat    Pangkat yang tinggi
    Rifid    Penolong
    Rifqi    Lemah lembut, kawan pendamping
    Riman    Kijang
    Riyad    Gardens
    Riyadh    Taman
    Rizq    Rezeki
    Rizqi    Rezeki, kurniaan Allah
    Rizqin    Rezeki, kurniaan Allah
    Rizqullah    Rezeki dari Allah
    Ruknuddin    Sendi agama
    Ruslan    Wakil, penyampai
    Rusli    Wakilku
    Rustam    Berani, kuat
    Rusyaidi    Yang cerdik
    Rusydan    Petunjuk
    Rusydi    Kecerdikanku, penunjuk jalan lurus
    Rusyduddin    Kelurusan agama
    Ruwaidi    Angin sepoi-sepoi
    Ruzain    Tempat ketenteramanku

    NAMA HURUF S

    Sa’airollah    Syiar2 Allah
    Sa’di    Bahagia
    Sa’dun    Kebahagian
    Sa’i    Yang berjalan cepat, yang berusaha
    Sa’ihat    Yang berpuasa
    Sa’ud    Bahagia
    Saad    Bahagia
    Saadan    Kebahagiaan
    Saadi    Kebahagiaanku
    Saaduddin    Agama yang membahagiakan
    Sab’atuabhur    7 laut
    Sabahi    Ketua pejuang
    Sabeer    Patient
    Sabih    Beautiful
    Sabikah    Penambang emas, nama sahabat Nabi SAW
    Sabil    Jalan
    Sabiq    Yang mengalahkan, Yang mendahului
    Sabir    Yang sabar
    Sabit    Yang baik, pemurah
    Sabqi    Keutamaanku
    Sabran    Kesabaran
    Sabri    Kesabaranku
    Sadad    Kejujuranku, bertindak tepat
    Sadaqat    Charity
    Sadat    Pimpinan
    Sadid    Benar, tepat
    Sadiq    saadiq-truthful
    Sadruddin    Pemimpin agama
    Saeed    Happy
    Safaraz    Dihormati
    Safir    Wakil, duta besar
    Safiuddin    Kesucian agama
    Safiy    Best friend
    Safwan    Bersih, ikhlas, nama populer orang Arab
    Saghir    Yang mengikut
    Sahar    Akhir malam sebelum fajar
    Sahil    Mudah, senang
    Sahir    Wakeful
    Sahlan    Mudah, senang
    Sahli    Kemudahanku
    Sahnon    Kehalusan
    Said    Bahagia
    Saidun    Yang berbahagia
    Saif    Pedang
    Saifuddin    Pedang agama
    Saiful Islam    Pedang Islam
    Saifullah    Pedang Allah
    Sajid    One who worships God
    Sakhawi    Kemurahan hati
    Sakinah    Ketenangan, ketentraman
    Salah    Righteousness
    Salah al Din    Righteousness of the Faith
    Salahuddin    Kebaikan agama
    Salam    Kesejahteraan, keselamatan, keamanan
    Salamat    Kesejahteraan
    Saleem    Safe, whole, flawless
    Saleh    Good, right
    Salim    Selamat, terkawal
    Saliman    Kesejahteraan
    Salman    Safe
    Sam’un    Pendengaran
    Sama’an    Yang patuh
    Samad    Serba baik
    Samah    Toleransi
    Sameer    Entertaining companion
    Samhari    Lembing yang keras
    Sami    High, lofty, exalted
    Samih    Pemaaf, pemurah, lemah lembut, toleran
    Samir    companion, entertainer
    Samman    Grocer
    Samran    Pertolongan
    Sanad    Tempat bergantung
    Sanim    Yang derajatnya tinggi
    Saniy    Yang tinggi, mulia
    Saqr    Falcon
    Sarhan    Kemudahan
    Sariyah    Clouds at night
    Sarwan    Mempunyai kemuliaan dan kemurahan
    Satir    Orang yang menutupi Aib dan dosa
    Sattar    Menutup cela, aib
    Saud    Fortunate
    Sayf    Sword – of religion
    Sayid    chief, leader
    Sayyid    Master
    Seif    Sword – of religion
    Seif al Din    Sword of the faith
    Shabhi    Pagi hari
    Shabri    Sabar
    Shaddam    Benturan
    Shadi    Singer
    Shafi    Jernih
    Shafiq    Compassionate, tender
    Shafiy    Tenteram suci
    Shafwan    Teman akrab, cinta ikhlas
    Shahib    Teman
    Shaib    Tepat mengenai sasaran
    Shakil    Indah
    Shakir    Thankful
    Shalah    Perbaikan, kebaikan
    Shalahuddin    Kebaikan agama
    Shaleh    Baik
    Shalih    Baik
    Sharaf    honour
    Sharif    Honest, noble, distinguished
    Sharim    Berani, pedang tajam
    Shibghotallah    Fitrah Allah
    Shiddiq    Membenarkan
    Shiddiqin    Orang2 yg benar dlm ucapan dan perbuatan
    Shidiq    Selalu membenarkan, julukan utk sahabat Abu Bakar
    Shidqi    Benar, Jujur
    Shidqie    Benar, jujur
    Shihab    Flame, blaze
    Shobhi    Pagi hari
    Shobir    Penyabar
    Shodiq    Benar, Jujur
    Shofi    Jernih
    Shofwan    Teman akrab, cinta ikhlas
    Shohib    Teman
    Shoib    Tepat mengenai sasaran
    Shorim    Berani, Pedang Tajam, Singa
    Siddiq    Yang membenarkan
    Sidqi    Kebenaranku
    Silmi    Kedamaianku
    Sinwan    Kembar
    Siraj    Lamp, light
    Sirajuddin    Pelita agama
    Sirhan    Berani, singa
    Sirin    Nama seorang tabi?ie
    Sofian    Devoted
    Soleh    Yang baik
    Solihan    Yang baik
    Solihin    Yang baik
    Su?da    Bahagia
    Subhi    Early morning
    Sufi    Ahli tasawuf
    Sufyan    Nama sahabat nabi Muhammad SAW, nama tokoh ulama
    Suhaib    Kemerah-meraha
    Suhaid    Lembut, tampan
    Suhail    Senang, mudah
    Suhaili    Kemudahanku
    Suhayb    Of reddish hair or complexion
    Suhayl    Gentle, easy; the name of a star
    Sulaim    Sejahtera
    Sulaiman    A Prophets name – Solomon
    Sulaimi    Kesejahteraanku
    Sulhidar    Bersenjata
    Sulthan    Suktan, bukti yang kuat
    Sulwan    Kepuasan
    Sunbul    Tangkai, Nama Binatang
    Sunni    Penganut ajaran sunah nabi saw
    Suoud    Good luck
    Surur    Kegembiraan
    Suud    Bahagia
    Suwadi    Rahasiaku
    Sya’airillah    Syi’ar2 Allah
    Sya’ban    Bulan Sya?ban
    Sya’rani    Nisbah
    Syabibi    Berusia antara 15 dan 30 tahun
    Syabil    Bintang
    Syaddad    Yang perkasa
    Syadi    Pandai bersyair dan bernyanyi
    Syafaat    Pembelaan, pertolongan
    Syafi    Penyembuh
    Syafi’    Memberi syafa?at
    Syafii    Penganut Imam Syafii
    Syafiq    Penyayang, belas kasih
    Syahabuddin    Bintang agama
    Syahid    Mati Syahid
    Syahin    Burung yang panjang sayapnya
    Syahir    Terkenal
    Syahiran    Terkenal
    Syahmi    Mulia, berani, bijak
    Syaiban    Mendung bersalju
    Syakib    Nama tokoh muslim
    Syakir    Bersyukur, pengenang budi
    Syalia    Penghibur hati
    Syamil    Menyeluruh
    Syamini    Keharuman yang tinggi
    Syamlan    Memilih kurma yang masak
    Syammas    Pelayan ibadah
    Syamsi    Matahariku
    Syamsir    Pedang
    Syamsuddin    Matahari agama
    Syamsul Bahri    Matahari lautan
    Syamsulhadi    Matahari petunjuk
    Syamsuzaman    Matahari/ pelita masa
    Syaraf    Kemuliaan
    Syarafat    Harga diri
    Syarafuddin    Yang mulia agamanya
    Syarahil    Nama khabilah
    Syarbini    Nama Pohon, Nama Ulama Besar
    Syarif    Dipuji, mulia
    Syarifuddin    Kemuliaan agama
    Syaukat    Kekuasaan
    Syauqi    Rinduku
    Syawal    Bulan syawal
    Syazani    Kecergasanku
    Syazwan    Haruman kasturi
    Syazwi    Keharumanku
    Syihab    Pecahan bintang, meteor
    Syihabuddin    Bintang agama
    Syu’bah    Nama sahabat nabi Muhammad SAW
    Syuaib    Nama nabi
    Syubli    Anak singa
    Syuja?    Pemberani
    Syukran    Kesyukuran
    Syukri    Kesyukuran
    Syukur    Kesyukuran
    Syuruq    Terbitnya matahari
    Syuwari    Kecantikanku

    NAMA HURUF T

    Ta’ib    Yang bertaubat
    Ta’iq    Yang rindu
    Ta’wilul Ahadits    Tabir mimpi
    Taba’un    Yang menurut
    Tabari    Nama ulama
    Tabi’un    Yang mengikut
    Tabrani    Nama ulama
    Tadwin    Pencatatan
    Tafhim    Usaha memahami
    Taha    Tertentu, nama nabi
    Tahfiz    Usaha menghafaz
    Tahir    Pure, clean
    Tahsin    Menghiasi, perbaikan
    Tahzir    Usaha memberi peringatan
    Taib    Yang baik
    Taisir    Memudahkan, kemudahan
    Tajuddin    Mahkota agama
    Tajuzzaman    Mahkota masa
    Tal’ah    Tampil, maju
    Tal’at    Ketinggian
    Talal    Keindahan
    Talhah    Nama sahabat nabi Muhammad SAW
    Talib    Penuntut
    Tamam    Generous
    Tamamul Qamar    Bulan purnama
    Tamim    Kejadian sempurna, orang yang kuat
    Tamir    One who owns date palm trees
    Tamrin    latihan, pembiasaan
    Taqi    Bertakwa
    Taqiuddin    Bertaqwa untuk agama, takwa dalam agama
    Taqris    Berperisa
    Tarif    Istimewa
    Tariq    Bintang subuh, pengetuk hati
    Taufiq    Pertolongan, petunjuk
    Taufiq Alhakim    Taufiq (Allah) yang Hakim (bijaksana)
    Taufiq Arrahman    Taufiq (Allah) Maha Pengasih
    Taufiqillah    Petunjuk Allah
    Tauhid    Kemurnian Iman ( Keesaan Allah )
    Tauqan    Kemampuan hati
    Tawadu    Merendah hati
    Tawfiq    Success, reconciliation
    Tawqir    goodluck, success granted by Allah
    Taymullah    Servant of God
    Taysir    Facilitation
    Tayyib    Good or delicate
    Tazim    honour
    Thabit    Firm
    Thabrani    Nama periwayat hadits
    Thabrani Ismail    Nama periwayat hadits
    Thaha    Dua huruf permulaan surat
    Thahir    Bersih, Suci
    Thalal    Keindahan, Keadaan yang baik
    Thalib    Penuntut Ilmu, Yang Mencari
    Thamin    Yang tinggi nilainya
    Thamir    Berjaya, berbuah
    Thaqib    Shooting Star
    Thaqif    Bijak dan cepat faham
    Tharwan    Kekayaan
    Thauri    Revolusi
    Thifal    Lembut
    Thilal    Embun, hujan gerimis
    Thin Lazib    Tanah liat
    Tho’il    Kemampuan
    Thomi    Tinggi
    Thoriq    Orang yang mengetuk malam hari
    Thoyyib    Baik
    Thubat    Pahlawan
    Thufail    Lembut, Halus
    Tijani    Mahkota
    Tsa’ir    Pemberontak
    Tsab    Tetap, lurus, tak goyah
    Tsabat    Keteguhan hati, ketetapan
    Tsabit    Yang tetap
    Tsamarun    Buah
    Tsamin    Berharga mahal, tinggi harganya
    Tsamud    Kaum Nabi Shaleh as
    Tsaqib    Jitu
    Tsauban    Kembali berkumpul
    Tufail    Pengantara, gaya yang menarik

    NAMA HURUF U

    Ubadah    Sahabat nabi Muhammad SAW, tekun beribadah
    Ubaid    Faithful
    Ubaidan    Penyembahan
    Ubaidullah    Hamba Allah
    Ubaydah    Servant of God
    Ubayy    Old Arabic name
    Ubbad    Banyak ibadat
    Ujab    Keajaiban
    Ujum    Benteng pertahanan
    Ukail    Pintar, pandai
    Ukasyah    Sahabat nabi Muhammad SAW, labah-labah
    Ulil Aidi    Yang mempunyai perbuatan-perbuatan yang besar
    Ulil Amri    Pemerintah, pemimpin, ulama
    Ulul Albab    Orang-orang yang berakal, para cendikiawan
    Ulul Arham    Orang-orang yang punya hubungan darah
    Ulul Azmi    Orang-orang yang mempunyai keteguhan hati
    Ulul Fadhli    Orang-orang yang mempunyai kelebihan
    Ulwan    Ketinggian, tinggi, jelas
    Umair    Maju, Nama orang dahulu
    Umaiyah    Sahabat Nabi Muhammad SAW
    Umar    Name of the second Khalifa
    Umarah    Old Arabic name
    Umayr    Old Arabic name
    Umran    Kemakmuran
    Umron    Pembangunan, ramai penduduk
    Urwah    Singa
    Usaid    Berani, singa
    Usamah    Description of a lion
    Usyair    Kawan, suami
    Utaibah    Persimpangan lembah
    Utbah    Old Arabic name
    Uthman    One of the companions of the Prophet – pbuh
    Uwais    Pemberian
    Uwamir    Nama Orang dahulu
    Uzair    Nama sahabat nabi Muhammad SAW
    Uzma    Terbaik
    Uzzam    Singa

    NAMA HURUF W

    Wa’il    Perteduhan, perlindungan, yang kembali (berlindung) kepada Allah
    Wabil    Pemurah, hujan lebat
    Wadhoh    Wajahnya bagus, kulit putih
    Wadi    Aman, tenteram, tenang
    Wadihan    Cantik
    Wadud    Penyayang, cinta, dicintai
    Wafdan    Perutusan yg terhormat
    Wafi    Sempurna
    Wafid    Tamu
    Wafiq    Berjaya
    Wafiuddin    Setia pada agama
    Wafiy    Setia, jujur
    Wafri    Kekayaanku, keluasanku
    Wahab    Pemberian
    Wahib    Pemberi
    Wahid    Singular, exclusive, unequalled
    Wahiduddin    Terulung pada agamanya
    Wahiduz Zaman    Terulung pada zamannya
    Wahnan    Mudah, senang Wail,
    Wail    Coming back – for Shelter
    Waiz    Penasihat, mubaligh
    Wajdi    Kesayanganku, cinta, gembira, kaya, kuasa
    Wajih    Noble
    Wajihuddin    Yang terkemuka dalam agama
    Wakil    Lawyer
    Waldan    Anak baik
    Waleed    Newborn child
    Wali    Kekasih, pelindung
    Walid    Kelahiran, yang dilahirkan
    Waliuddin    Pembela dan pemelihara agama
    Walliyullah    Supporter of God
    Waqar    Ketenangan dan sopan santun
    Waqiuddin    Pemelihara agama
    Waqqas    Nama sahabat nabi Muhammad SAW
    Waqur    Ketenangan dan kesopanan
    Wardi    Bunga mawarku
    Warid    Berani
    Waris    Pewaris
    Washif    Punya Sifat tertentu
    Washil    Menyambung hubungan kekeluargaan
    Wasi    broad-minded
    Wasil    Penghubung silaturrahim
    Wasim    Graceful, good looking
    Wazien    Pendapat yang kukuh
    Wazif    Yang tekun, gigih
    Wazir    Menteri, yang berkuasa
    Wazni    Yang menimbang secara adil
    Widad    Cinta, cita-cita
    Wijdan    Sanubari, hati
    Wisam    Pertanda, bintang kehormatan, medali

    NAMA HURUF Y

    Ya’rub    Berbicara dgn bahasa Arab
    Ya’sub    Pemimpin kaum
    Yaala    Kemuliaan, tinggi
    Yaaqub    Nama nabi
    Yaarub    Mahir bahasa arab
    Yaasiin    Ayat pertama surat yaasiin
    Yahya    Nama nabi, yang hidup
    Yahyah    A Prophets name
    Yajri    Mengalir, berlari
    Yakut    Permata
    Yaman    Proper name
    Yamin    Yang berkat
    Yaqin    Penuh keyakinan
    Yaqub    Arabic form of Jacob
    Yaqzan    Yang berwaspada
    Yasar    Wealth, ease
    Yaseen    One of Muhammads names
    Yasin    Nama nabi
    Yasir    Wealthy
    Yaslam    Yang selamat, berserah
    Yassaar    Kekayaan, kemewahan
    Yasser    Wealth, ease
    Yasykur    Bersyukur
    Yatim    Yang sangat berharga, tidak bandingannya
    Yawar    Pengawal peribadi
    Yazdan    Belas kasihan
    Yazeed    God will increase
    Yazid    Berkat, bertambah, lebih
    Yoonus    A Prophets name
    Yunan    Nama ulama
    Yunus    A Prophets name
    Yushua    God saves
    Yusri    Kesenanganku
    Yusron    Kemudahaan
    Yusuf    A Prophets name,Joseph

    NAMA HURUF Z

    Zaafarani    Harum, wangi
    Zaalan    Rajin, giat
    Zabad    Keharuman kasturi
    Zabadi    Keharumanku
    Zabarjad    Batu permata seperti zamrud
    Zabdan    Pemberian
    Zabidi    Yang memberi
    Zabir    Pintar, kuat
    Zabran    Kuat, mampu
    Zafar    Kemenangan/kejayaan
    Zafir    Victorious
    Zafri    Kemenanganku
    Zahabi    Keemasan
    Zahar    Sangat bergemerlapan
    Zahid    Self-denying or ascetic
    Zahidi    Yang menjauhkan diri dari kemewahan, rendah hati
    Zahil    Yang tenang
    Zahin    Yang cerdik
    Zahir    Bright, shining
    Zahiruddin    Pembela agama
    Zahirul Haq    Pendukung Hak
    Zahran    Bunga, Keindahan, berseri, cantik
    Zahrin    Berseri-seri
    Zahwan    Sedap dipandang
    Zaid    Increase, growth
    Zaidan    Tambahan, kelebihan
    Zaidi    Tambahan, kelebihan
    Zaidun    Tambahan, kelebihan
    Zaim    Brigadier General
    Zaim Said    Bertanggungjawab, bahagia
    Zaim Ukhrowi    Pemimpin akhirat
    Zain    Bagus, perhiasan, perhiasanku
    Zaini    Bagus, perhiasan, perhiasanku
    Zainuddin    Perhiasan agama
    Zainul Abidin    Perhiasan orang beribadat
    Zainul Ariffin    Perhiasan orang arif
    Zainul Muttaqin    Perhiasan orang bertakwa
    Zainun    Bagus, perhiasan, perhiasanku
    Zaiyani    Hiasanku
    Zakaria    Nama nabi
    Zakariyya    A Prophets name
    Zaki    Intelligent
    Zakir    Yang mengenang, berzikir
    Zakiy    Pure
    Zakur    Yang kuat ingatan
    Zakwan    Yang cerdik, yang harum
    Zaman    Nasib
    Zamanat    Yang dijamin
    Zamil    Teman, kawan
    Zamir    Suara hati, anak kecil yang cantik
    Zamri    Kecantikanku
    Zanjabil    Susu jahe hidangan di surga
    Zarif    Periang, berjenaka
    Zawawi    Himpunan kebaikan
    Zawir    Ketua, pemimpin
    Zawwar    Banyak ziarah
    Zayan    Yang cantik
    Zayani    Kecantikanku
    Zayyad    Semakin bertambah
    Zayyan    Hiasanku
    Ziad    popular Arab name
    Ziaul-Haq    Light of Truth
    Zihni    Kefahamanku, kekuatan akalku
    Zikri    Ingatanku, kenanganku
    Zimam    Yang utama, pemimpin
    Ziqri    Terpuji, Yang Memuji Allah
    Ziyaad    popular Arab name
    Ziyad    Pertambahan, kelebihan
    Zoheb    little gold – the dimunitive form of zahab [correct Arabic is: dhahab]
    Zohoor    appearance
    Zubaidi    Pilihanku yang terbaik
    Zubari    Gagah perkasa, pintar
    Zufar    Singa, pemberani, pemurah
    Zuhaily    Yang tenang
    Zuhair    Bright, demunitive form of zahr – flower
    Zuhairi    Yang berseri
    Zuhayr    Bright
    Zuhdi    Zuhud, rendah hati, tidak rakus dunia
    Zuhnun    Yang cerdik
    Zuhri    Kecantikanku
    Zulfadhli    Yang mempunyai kelebihan
    Zulfan    Taman
    Zulfaqar    Nama pedang Nabi Muhammad SAW
    Zumar    Anak kecil yang cantik
    Zunnurain    Yang mempunyai dua cahaya

    SENARAI NAMA PEREMPUAN

    NAMA HURUF A

    A’idah    Kembali berhari raya
    A’ilah    Family, ahli rumah
    A’isyah    Istri Rasulullah saw
    A’yun    Mata (jamak dari ‘ainun)
    Aabidah    Tekun beribadah
    Aafiya    vigour/vitality
    Aafiyah    Sehat, selamat
    Aamal    Harapan-harapan
    Aamilah    Doer of (good) deeds, Righteous
    Aamily    Doer of (good) deeds, Righteous
    Aaminah    Dapat dipercaya, aman
    Aathifah    Belas kasih, perasaan
    Aathirah    Harum
    Abadah    Rajin beribadah
    Abadi    Yang Kekal
    Abeer    fragrance
    Abharina    Lautan kami
    Abir    fragrance
    Abirah    Wangi, harum
    Abiyah    Elok, mulia, lepas dr kehinaan
    Absarina    Penglihatan kami
    Abyana    Nyata, jelas
    Abyati    Sebaik-baik sajak
    Abyatina    Sebaik-baik sajak kami
    Adabiah    Kesopanan, beradab
    Adara    Virgin. Also an Greek name meaning beauty. Variants, Adar and Adra.
    Adawiyah    Obat, penawar
    Adeeba    Cultured, civilised
    Adelia    Keadilan kita
    Adibah    Berpengetahuan, beradab
    Adidah    Sepadan
    Adilah    Adil seksama
    Adlah    Keadilan
    Adlina    Keadilan kita
    Adni    Salah satu nama syurga
    Adra    Virgin. Also an Greek name meaning beauty.
    Adriana    Nisbah
    Afaf    Kesucian, kemurnian, kesopanan, punya Harga diri
    Afeefa    honest, upright
    Afia    Tenaga, kekuatan
    Afiah    Kesejahteraan
    Afifa    honest, upright
    Afifah    Berbudi bahasa, punya harga diri, bermartabat tinggi
    Afina    (Orang) yang memaafkan
    Afiqah    Sangat pemurah, sangat berpengetahuan
    Aflah    Beruntung
    Afnan    Pepohonan Yang berbuah, Kecantikan/seri
    Afra    Malam 13 Purnama
    Afrah    Hiburan, kesenangan
    Afraima    Fertile
    Afrin    Praise, lucky
    Afrina    Putih kemerah-merahan
    Afruz    Menyukakan, menyenangkan
    Afwan    Kemaafan
    Afza    Membesar
    Ahidah    Janji
    Ahlaam    dreams
    Ahlaiah    Impian
    Ahlam    dreams
    Aida    Keberuntungan, imbalan, hadiah
    Aiman    Berkat, Yang bertuah, kanan
    Aimuni    Keberkatan
    Aimy    Keberkatan
    Ain    Mata
    Aina    Mempunyai mata yang cantik
    Ainan    Mata air
    Ainani    Dua buah mata air
    Aini    Spring; flower; source; choice
    Ainiyah    Pohon rimbun yang bersemi
    Ainul Hayat    Mata kehidupan
    Ainul Mardhiah    Nama bidadari yg tercantik disyurga untuk para syuhada
    Ainun    Mata
    Airis    Sejenis bunga – iris
    Aisy    Kemakmuran Hidup
    Aisyah    Hidup bahagia
    Aiyani    Nisbah
    Akidah    Kuat, teguh
    Akifah    Wanita yang beri’tikaf di masjid
    Akma    Yang sempurna
    Alani    Ketinggian
    Alanna    Kami melunakkan
    Alawiah    Ketinggian
    Aliah    Yang tinggi
    Alifah    Ramah tamah dalam bersahabat
    Alifat    Teman pelipur, mesra
    Alilah    Yang memakai wewangian
    Alimah    Yang berpengetahuan
    Alisha    Protected by God
    Aliya    Tinggi, yang paling mulia
    Aliyah    Tinggi, yang paling mulia
    Alma    Pandai, terpelajar
    Almas    Berlian
    Almira    Putri
    Alwani    Warna-warni
    Alya    Ketinggian
    Amal    Cita-cita, harapan
    Amalia    Cita-cita
    Amalina    Lanjut usia
    Amami    Julanganku, Golonganku
    Amanda    Lovable
    Amani    Cita-cita, ketenanganku, keinginan, Kesejahteraanku
    Amanina    Cita-cita kami, harapan kami
    Ambar    camphor
    Ameera    princess
    Amila    Hopeful
    Amili    Yang melakukan (perkara yang betul)
    Amimah    Tubuh lenjang
    Aminah    Boleh dipercayai, dapat dipercaya
    Amira    princess
    Amirah    Puteri, ratu
    Amjad    Mulia, soleh, lebih mulia
    Ammara    A lady with strong Imaan; tolerant
    Amnah    Ketenangan
    Amnani    Ketenangan
    Amni    Ketenangan, Keamananku
    Amniyah    Cita-cita, hasrat
    Anan    Awan, cakrawala
    Anaqah    Cantik d n menarik
    Anati    Lemah lembutku
    Anbar    camphor
    Aneesa    Yang mesra, penglipur
    Ani    Masak ranum, kesopanan
    Aniqah    Cantik, lemah gemalai
    Anisah    Yang mesra, pelipur
    Annur    Cahaya
    Anwah    Lembut, hati-hati
    Aqeela    The best, the very best
    Aqidah    Kepercayaan, keimanan
    Aqilah    Cerdas, pandai
    Arafah    Padang Arafah
    Arani    Aku mimpi melihat diriku
    Arbahah    Nisbah
    Arbanah    Yang fasih
    Ardini    Isteri yang menyayangi
    Areej    fragrance
    Arfa    Yang tinggi, mulia
    Arfah    Gembira
    Ariana    Full of life
    Aribah    Cerdik, terpelajar
    Arifah    Yang mengetahui
    Arikah    Pelaminan
    Arimi    Yang besar
    Arinah    Cergas, giat
    Ariqoh    Baik budi, mulia asalnya
    Arissa    Azam, kuat
    Arshiya    Divine
    Arwa    Memberi minum sampai puas, segar, terpenuhi, menyenangkan
    Asiah    Nama isteri Firaun, obat
    Asiilah    Lemas dan Halus
    Asilah    Yang asli, yang mulia
    Asimah    Yang memelihara
    Asirah    Tawanan Perang
    Asiyah    Penawar hati
    Asla    Bergerak lunak
    Aslah    Yang lebih baik
    Asma    Ketinggian, putri Abu Bakar Ash Shiddiq ra
    Asmahan    Nama tokoh wanita
    Asyura    10 Muharram
    Athilah    Murni, mulia
    Athirah    Yang utama, yang mulia
    Athiyyah    Pemberian
    Atifa    Affection, sympathy
    Atifah    Bersimpati, penyayang
    Atikah    Pemurah, berani, bersih, yang murni
    Atiqah    Yang mulia, yang dipilih
    Atiya    Gift
    Atuf    Penyayang
    Audadi    Kesayanganku
    Auji    Ketinggianku, puncakku
    Aunah    Pertolonganku
    Auni    Lemah lembutku, ketenangan, Ketetapanku
    Awa    Malaikat yang cantik, malam
    Awadah    Baik, lembut
    Awatif    Perasaan, kesayanganku
    Awfiyah    Berani, kuat
    Ayah    Sign; distinct
    Ayesha    Name of prophet Mohammad’s (p.b.u.h.) wife
    Azalia    Kekal Abadi
    Azeeza    dear / powerful
    Azhaar    flowers
    Azhar    Bunga-bunga, Yang berseri, yang gemilang, lebih cerah
    Aziemah    Azam, kewajiban
    Azimah    Agung, mulia
    Azita    Nama putri Iran
    Aziza    A good friend, comrade
    Azizah    Sayang, berharga, kekuatan, dihormati, mulia
    Azra    Dara, perawan used for Maryam/Mary
    Azyan    Perhiasan
    Azza    Perhiasan
    Azzah    Young, female gazelle
    Ariqoh    Baik budi, mulia asalnya
    Arissa    Azam, kuat
    Arshiya    Divine
    Arwa    Memberi minum sampai puas, segar, terpenuhi, menyenangkan
    Asiah    Nama isteri Firaun, obat
    Asiilah    Lemas dan Halus
    Asilah    Yang asli, yang mulia
    Asimah    Yang memelihara
    Asirah    Tawanan Perang
    Asiyah    Penawar hati
    Asla    Bergerak lunak
    Aslah    Yang lebih baik
    Asma    Ketinggian, putri Abu Bakar Ash Shiddiq ra
    Asmahan    Nama tokoh wanita
    Asyura    10 Muharram
    Athilah    Murni, mulia
    Athirah    Yang utama, yang mulia
    Athiyyah    Pemberian
    Atifa    Affection, sympathy
    Atifah    Bersimpati, penyayang
    Atikah    Pemurah, berani, bersih, yang murni
    Atiqah    Yang mulia, yang dipilih
    Atiya    Gift
    Atuf    Penyayang

    Nuffnang Ads
    Audadi    Kesayanganku
    Auji    Ketinggianku, puncakku
    Aunah    Pertolonganku
    Auni    Lemah lembutku, ketenangan, Ketetapanku
    Awa    Malaikat yang cantik, malam
    Awadah    Baik, lembut
    Awatif    Perasaan, kesayanganku
    Awfiyah    Berani, kuat
    Ayah    Sign; distinct
    Ayesha    Name of prophet Mohammad’s (p.b.u.h.) wife
    Azalia    Kekal Abadi
    Azeeza    dear / powerful
    Azhaar    flowers
    Azhar    Bunga-bunga, Yang berseri, yang gemilang, lebih cerah
    Aziemah    Azam, kewajiban
    Azimah    Agung, mulia
    Azita    Nama putri Iran
    Aziza    A good friend, comrade
    Azizah    Sayang, berharga, kekuatan, dihormati, mulia
    Azra    Dara, perawan used for Maryam/Mary
    Azyan    Perhiasan
    Azza    Perhiasan
    Azzah    Young, female gazelle

    NAMA HURUF B

    Ba’inah    Yang nyata
    Bada’ah    Permulaan
    Bada’i    Keindahan2
    Badi’a    Unprecedented, admirable, unique
    Badiah    Indah, tak ada bandingnya, cantik
    Badihah    Cepat memahami
    Badilah    Mulia, pengganti
    Badirah    Bulan purnama
    Badiyah    Pedesaan, nyata
    Badr    Bulan penuh
    Badra    Full moon
    Badriah    Cantik seperti bulan purnama
    Badrina    Bulan kami Badriya,
    Badriyah    Bulan penuh, bulan purnama, wali
    Badriyyah    Resembling the full moon
    Baheera    Dazzling, brilliant
    Bahia    Manis
    Bahiah    Gemilang, berseri
    Bahijah    Bahagia, gembira, kesenangan, keindahan
    Bahirah    Cantik, berseri, elok, indah
    Bahithah    Pencari
    Bahiya    Beautiful, radiant
    Bahiyah    Cemerlang, indah
    Bahja    Kebahagiaan
    Bahjah    Keindahan, keriangan, kesenangan
    Bahjan    Rupawan, Cemerlang
    Bahriah    Kecantikan, kilauan
    Baiduri    Permata
    Baiyinah    Bukti
    Bakhitah    Orang yang beruntung
    Bakizah    Suci, wangi, Permata
    Bakriyah    Berani, perawan
    Baligha    Penuh perasaan, pandai, fasih berbicara
    Balighah    Bijak
    Balilah    Nama isteri Nabi Sulaiman
    Ballanah    Titisan embun
    Balqis    Name of the Queen of Sheba
    Banan    Delicate, finger tips
    Bananah    Ujung jari-jemari
    Baqiyah    Yang tidak bersalah, yang bersih
    Baraka    White one
    Bari’ah    Excelling
    Bariah    Sejuk, tenang
    Baridah    Lapang dada
    Barika    Bloom, be successful
    Barirah    Alim, baik hati
    Barizah    Yang bijak, menonjol
    Barkha    Rain
    Barniyah    Cerdik, suci
    Barokah    Berkah
    Basha’ir    Kabar baik
    Bashasha    Kebahagiaan, kegembiraan
    Basheera    Bringer of good tidings, joy
    Bashira    Kabar baik
    Bashirah    Bijaksana, berakal
    Basilah    Berani
    Basima    Selalu tersenyum
    Basimah    Smiling
    Basirah    Kesenangan, keluasan
    Basmah    A smile
    Bassamah    Selalu senyum
    Bastah    Yang lapang
    Basyirah    Penyampai berita gembira
    Batrisya    Cerdik, pintar
    Batrisyia    Cerdik, pintar
    Batul    Ascetic virgin
    Bayati    Nisbah
    Bayyinah    Bukti, dalil
    Bazilah    Yang pintar
    Bazla    Yang bijak
    Benazir    Uncomparable
    Bilah Izzah    Wangi dan mulia
    Bilqis    Permaisuri Sheba, nama ratu Sheeba yang masuk Islam
    Bisyarah    Berita gembira
    Budur    Bulan penuh
    Buraidah    Dingin
    Burairah    Berbakti, berbuat baik
    Burdah    Mantel
    Burhanah    Alasan yang baik
    Bushra    Good Omen
    Busra    Kesegaran
    Bussaina    Cantik menarik
    Bustan    Taman, kebun
    Busyra    Berita baik, kabar gembira
    Buthaynah    Of beautiful and tender body

    NAMA HURUF C

    Cala    Castle
    Cantara    Small bridge

    NAMA HURUF D

    Da’amah    Tiang, Pilar
    Da’imah    Tetap, Langgeng
    Da’iyah    Juru dakwah
    Da’wah    Seruan, panggilan, ajakan, jamuan
    Dabayinah    Nisbah
    Dafinah    Kekayaan yang tersembunyi
    Dahab    Gold
    Dahimah    Kuat, tangkas
    Dahiyah    Pintar
    Dahlia    Nama sejenis bunga
    Dahmani    Nisbah Daimah,
    Dalal    Petunjuk, manja, memanjakan
    Dalia    Pohon anggur, sejenis bunga – dahlia
    Dalidah    Keturunan mulia
    Dalila    Petunjuk, dalil, alasan
    Dalilah    Petunjuk, bukti
    Dalilati    Pemimpin
    Dalili    Pemimpin
    Daliyah    Pohon anggur
    Damia    Kebijakan
    Danah    Batu yang bernilai tinggi
    Dania    Hampir
    Daniah    Buah yang mudah dipetik
    Daniyah    Dekat sekali, Buah yang mudah dipetik
    Darayani    Mengetahui
    Dariah    Yang mengetahui, lembah lembut
    Darin    Nama Bunga
    Darina    Nama suatu bunga
    Darirah    Singap dan lembut
    Dariyah    lemah lembut
    Darsah    Faham, hafal
    Darwisyah    Ahli tasawuf
    Daulah    Kerajaan
    Dawama    Berkekalan
    Dawamah    Terus menerus
    Dayana    Yang gagah perkasa
    Dayani    Patuh, taat
    Deeba    Silk
    Delisha    Happy and make others happy
    Dhabitah    Cakap, kuat ingatan
    Dhamanah    Jaminan
    Dhamirah    Jiwa
    Dhaniyah    Yang bertambah, yang bermutu
    Dhia    Sinaran
    Dhobithoh    Yang kuat, cermat
    Dhofwatul’aisy    Kesenangan dan kelapangan hidup

    NAMA HURUF E

    Dholi’ah    Keras dan kuat
    Dhuha    Forenoon
    Di’amah    Tiang, pilar
    Dian    Cahaya
    Dianah    Agama
    Dina    Keagamaan
    Dinah    Ketaatan, adat
    Dinar    Uang emas
    Diyanah    Agama
    Duha    Forenoon
    Durar    Batu permata, Mutiara
    Durrah    Mutiara
    Durriyah    Mutiara, cahaya mutiara, cemerlang, cerdas
    Durrotul Hikmah    Mutiara hikmah
    Durrotun Nashihah    Mutiara nasehat
    Duwaijah    Panutan, teladan
    Dza’iqah    Merasaka
    Dzahabiyah    Memiliki sifat emas
    Dzaibah    Menghalau
    Dzakirah    Yang mengingati Allah (dari pkataan zikir)
    Dzakiroh    Ingatan, kuat hafalan, berdzikir
    Dzakiyah    Pandai, cerdas, murah padam
    Dzari’ah    Jalan, wasilah
    Dzihni    Pemahamanku, pengertianku
    Dzihniyah    Menurut akal
    Dhohikah    Yang suka tertawa, batu putih diatas gunung
    Dhohwah    Waktu Dhuha
    Dhoifah    Tamu

    NAMA HURUF E

    Eryna    Beautiful

    NAMA HURUF F

    Fa’idah    Untung, laba
    Fa’idh    Melimpah, mengalir Faidah,
    Fa’iqoh    Mengungguli
    Faadhilah    Yang Mulia
    Fadhilah    Kemuliaan, kelebihan, keutamaan
    Fadhlah    Mulia
    Fadiah    Pembela
    Fadilah    Virtuous, outstanding, superior, cultured and refined
    Fadiyah    Menyelamatkan, tebusan
    Fadwa    Name derived from self – sacrifice
    Fadwah    Penyelamat, pengorbanan suci, penebus
    Faeezah    Pemimpin
    Faghira    Bunga melur
    Fahima    Yang memahami
    Fahimah    Yang bijak, memahami
    Fahmidah    Cerdik, bijak
    Faihanah    Harum, wangi
    Faiqa    Terkenal, terkemuka, bangun
    Faiqah    Paling baik
    Faiqihah    Pandai, pintar Faiqoh,
    Fairuz    Batu permata yang berwarna biru agak kehijau-hijauan
    Faiza    Gain
    Faizah    Menang, sukses
    Faizia    Successful
    Fajriyah    Cahaya terang
    Fakhira    Agung, termasyur
    Fakhirah    Kebanggaan
    Fakhrani    Nisbah
    Fakhriah    Kemegahan
    Fakhriyah    Kebanggaan
    Falak    Star
    Falilah    Yang beruntung
    Faqihah    Cerdik
    Farah    Joy
    Farha    Bahagia
    Farhah    Kegirangan
    Farhana    Riang gembira, senang
    Farhanah    Riang gembira, bergembira, senang
    Fari’ah    Tinggi, mulia
    Faridah    Unique, matchless, precious pearl or gem
    Fariha    (Dia) merasa gembira
    Farihah    Happy, joyful, cheerful, glad
    Farisah    Pengemudi mahir
    Farizah    Jelas
    Farwizah    Menang, berjaya
    Farzana    Bijak, pandai
    Farzanah    Petunjuk agung
    Fashahah    Fasih berbicara
    Fasihah    Fasih bercakap
    Fatanah    Kebijaksanaan
    Fataniah    Bijak
    Fathiah    Pembukaan, kemenangan
    Fatihah    Pembuka
    Fatima    Name of phophet Mohammad’s (p.b.u.h.) daughter
    Fatimah    Accustom; Daughter of the Prophet (pbuh)
    Fatin    Captivating, alluring, enchanting
    Fatinah    Bijaksana, mengagumkan, menarik perhatian
    Fatini    Bijaksana
    Fatnin    Bijak
    Fatnun    Bijak
    Fatunah    Bijak
    Faudah    Buah hati
    Fauzah    Berjaya,berhasil
    Fauziah    Cerdas
    Fauziyah    Kemenangan
    Fawziyyah    Successful, victorious
    Fazia    Successful, victorious
    Fellah    Arabian jasmine
    Fikriyah    Bijak, pandai, pemikiran
    Filzah    Belahan jiwa
    Firdaus    Nama surga tertinggi
    Firdaws    Highest garden in Paradise
    Firjani    Hilang duka
    Firuz    Yang indah
    Firyal    Nama Putri kerajaan Mesir
    Firzanah    Pintar, bijak
    Fitriyah    Fitrah kemanusiaan
    Fityah    Orang muda
    Fityati    Orang muda

    NAMA HURUF G

    Ghada    Gadis Muda
    Ghadah    Beautiful
    Ghadat    Lembut, halus
    Ghaida    Berawan
    Ghaisani    Cantik dan muda
    Ghaliah    Yang mahal, berharga
    Ghalibah    Menang
    Ghaliyah    Fragrant
    Ghaliyati    Yang mahal
    Ghamirah    Yang mengembara
    Ghaniah    Yang cantik
    Ghanimah    Yang menang, penghasilan (kasab)
    Ghaniyah    Pretty girl, beautiful woman, beauty
    Ghassani    Cantik
    Ghauthiah    Pertolongan
    Ghayda    Young and delicate
    Ghazala    Deer
    Ghazalah    Matahari terbit
    Ghaziah    Pejuang
    Ghazlina    Tenunan
    Ghazwani    Kepahlawanan
    Ghibthoh    Baik keadaannya
    Ghina    Kekayaan
    Ghisyawah    Tutupan, akhir
    Ghobiroh    Yang lalu
    Ghodah    Yang lemah gemulai
    Ghodir    Sungai, sumur yg bermulut lebar
    Ghodziyah    Menyenangkan
    Ghoniyyah    Kaya
    Ghufrani    Keampunan
    Ghundurah    Bahagia, muda
    Ghunwah    Nyanyian
    Ghurrah    Putih berseri
    Ghusni    Ranting
    Ghusun    Branches of a tree
    Gul    Flower
    Gulnar    Bunga ( Persian)

    NAMA HURUF H

    Habbati    Nisbah Habibah Kekasih, kesayangan
    Habeeba    ”a comrade, a friend”
    Habibah    Beloved, sweetheart, darling
    Habrah    Sukacita
    Habriyah    Pintar
    Hadharah    Kemajuan
    Hadirah    Pandai, bijak
    Hadiya    Guide to righteousness
    Hadiyah    Pemberian, hadiah, pemberi petunjuk
    Hadiyyah    A gift
    Hafawati    Sambutanku yang hangat
    Hafeeza    Protector
    Hafidah    Cucu
    Hafidhah    Pemelihara, penghafal
    Hafiy    Yang memuliakan
    Hafiya    Sangat baik
    Hafiyah    Sambutan yang hangat
    Hafizah    Pemelihara, penghafal
    Hafni    Nisbah
    Hafsa    cub
    Hafsah    Nama istri Nabi
    Hafsyah    Istri Rasulullah SAW
    Hafthah    Preserved, protected
    Hafziyah    Nisbah
    Haidah    Adil, jujur
    Haifa    Perempuan yg langsing
    Haimanah    Penguasaan
    Hajar    Nama ibu Nabi Ismail, istri Nabi Ibrahim As
    Hajidah    Yang rajin sembahyang malam
    Hakimah    Arif, Yang bijaksana
    Haliah    Yang memakai perhiasan
    Halifah    Perjanjian, persahabatan
    Halilah    Wanita keluarga
    Halili    Nisbah, halal
    Halimah    Lemah lembut, penyantun, sabar dan berakal
    Halumah    Pemaaf, penyabar
    Halwa    Yang manis, menarik
    Hamamah    Burung merpati
    Hamani    Memberi semangat
    Hamdah    Pujian
    Hamdiyah    Nisbah, terpuji
    Hamidah    Yang terpuji, selalu memuji Alloh, bertahmid
    Hamimah    Kawan setia
    Hamizah    Riang, gembira, yang bijaksana
    Hammadah    Bijak memuji
    Hamra    Kemerah-merahan
    Hamudah    Terpuji
    Hana    Kebahagiaan, rezeki tanpa kepayahan
    Hanan    Kesayangan, kecintaan, rezki, berkah
    Hanifah    Yang lurus, beriman, muslimah yang teguh
    Hanina    Rindu
    Haninah    Penyayang
    Hanini    Kerinduan
    Hanisah    Yang takwa
    Haniyah    Kegirangan
    Hannah    Kasih sayang
    Hannani    Kesayanganku, kecintaanku
    Hanun    Kesayangan
    Hanunah    Penyayang
    Hanzalah    Disegani, di hormati
    Hariyah    Yang layak, yang patut
    Harizah    Kubu, benteng
    Hasanah    Yang baik, kebaikan
    Haseena    ”Pretty, beautiful”
    Hashinah    Benteng yang kuat
    Hasibah    Keturunan baik-baik
    Hasna    Cantik
    Hasnah    Yang baik
    Hasya    Kesempurnaan
    Hasyimah    Sopan, beradab, berakhlak
    Hawa    Nama isteri Nabi Adam
    Hawani    Ibu penyayang
    Hawilah    Penjamin, pemelihara
    Hayam    Deliriously in love
    Hayani    Hidup
    Hayat    Kehidupan
    Hayati    Jiwa, hidup, kehidupanku
    Hayfa    Lembut suaranya
    Hazimah    Yang tegas, wanita yang sangat teliti
    Haziqah    Yang cerdik, pandai
    Hazirah    Pilihan yang terbaik
    Haziyah    Suka orang lain, yang di puji, yang disayangi
    Hazwani    Pemberianku
    Heena    Mehindi
    Hessa    Destiny
    Hibah    Gift
    Hibriyah    Kecantikan, keindahan
    Hidanah    Damai, tenang
    Hidayah    Petunjuk Allah
    Hidayati    Petunjuk Allah
    Hidni    Subur
    Hijanah    Keturunan yang mulia
    Hilalah    Bulan sabit
    Hilmiyah    Lembut, sopan
    Himanah    Memberi semangat
    Himayah    Terpelihara, terjaga
    Hind    Proper name
    Hindun    Kerinduan asmara, sahabat wanita
    Hisanah    Cantik
    Hubwah    Pemberian
    Huda    Petunjuk kepada kebenaran
    Hudiya    Diberi petunjuk
    Hudna    Kembali ke pangkal jln, bertaubat
    Hudnati    Damai
    Hulwah    Manis
    Huma    Bird who brings joy
    Humaira    Berpipi merah
    Huraiyah    Bidadari
    Huriya    Peri, bidadari
    Huriyah    Bermata elok, Pengikut setia
    Huriyyah    Angel
    Husn    Beauty
    Husna    Beautiful
    Husniah    Indah
    Husniyah    Beautiful
    Husnul Khotimah    Kesudahan yang baik

    NAMA HURUF I

    Ibadah    Ibadah, amal yg diridloi Alloh
    Ibnah    Anak perempuan
    Ibrisim    Sutera
    Ibriz    Eams murni
    Ibroh    Pengajaran
    Ibtihaj    Joy
    Ibtihal    Mohon kepada Allah, permohonan
    Ibtisam    Senyuman
    Iffah    Tahu harga diri
    Iffat    Kesucian, kemurnian, kesopanan, kesederhanaan, Kehormatan diri
    Iftikhar    Kehormatan, pembawa kehormatan, Kebanggaan
    Iftinan    Mengagumkan, menarik perhatian
    Ikbar    Mengagumkan
    Ikhtiar    Upaya dan usaha pilihan
    Iklil    Mahkota
    Ikram    Honor, hospitality, generosity
    Ilham    Intuition
    Iman    Faith, belief
    Imanina    Iman kami
    Imarah    Pembangunan, kemakmuran
    Imtinan    Anugrah Illahi
    Imtithal    Polite obedience
    In’aan    Pemberian kenikmatan
    In’am    Kindness, benefaction, bestowal
    Inan    Tali kendali
    Inas    Kebaikan, keramah-tamahan, Kelembutan
    Inaya    Concern; solicitude
    Inayah    Perlindungan
    Inayat    Kindness
    Inshaf    Kesadaran
    Insyirah    Kegembiraan, Kelegaan hati
    Intisar    Keberhasilan, kemenangan
    Intishar    Kemenangan
    Irbah    Pikiran tajam, akal
    Irdina    Kehormatan kami, kebajikan/keberkatan
    Iris    Sejenis bunga
    Irtiyah    Kesenangan
    Is’aaf    Pertolongan
    Is’ad    Yang membahagiakan, Beroleh taufiq
    Ishmah    Terhindar dr dosa
    Ishraq    Cahaya, sinar
    Ismah    Terhindar dari dosa
    Istiqamah    Kelurusan, ketulusan
    Itidal    Keseimbangan, Seimbang
    Itimad    Percaya, Kepercayaan
    Izdihar    Berkilau, Perkembangan, kemajuan
    Izyan    Perhiasan
    Izzah    Mulia

    NAMA HURUF J

    Ja’izah    Ijazah, piala
    Jabiroh    Penyambung patah tulang
    Jadawil    Sungai2 kecil
    Jadzwah    Bara yg menyala
    Jahanara    Queen of universe
    Jahroh    D ngan terang/ nyata
    Jalilah    Mulia, agung
    Jamaliah    Kecantikanku
    Jameela    Beautiful, graceful, lovely
    Jamilah    Cantik
    Janan    Heart, soul
    Jasmin    Bunga melati
    Jaudah    Indah, utama
    Jauharah    Batu permata
    Jauza    Nama bintang
    Jauzah    Kenari
    Jawhara    Mutiara
    Jihan    Nama tokoh wanita, Kemegahan
    Jinan    Surga-surga
    Johara    Jewel
    Juhainah    Taman, kebun
    Juhairah    Nyaring, lantang
    Jumanah    Mutiara
    Junainah    Taman, kebun
    Junnah    Perisai
    Juwairiyah    Nama wanita, gadis kecil

    NAMA HURUF K

    Kabiroh    Besar
    Kadhimah    Yang dapat menahan diri
    Kadziyah    Pohon berbunga memanjang harum baunya
    Kahilah    Matanya dicelak
    Kahla    Bola matanya hitam pekat, Dewasa
    Kaisara    Permaisuri
    Kalafah    Kecintaan
    Kaleela    Sweetheart, beloved
    Kalilah    Lemah
    Kamila    Perfect
    Kamilah    Lengkap, sempurna
    Kamilia    Pepohonan yang selalu hijau
    Kareema    Generous, noble
    Karida    Untouched
    Karimah    Mulia
    Kausar    Sebuah kolam di surga
    Kautsar    Kenikmatan yang banyak
    Kawakib    Bintang-bintang
    Kawthar    River in Paradise
    Kazhimah    Dapat menahan diri
    Keisha    Hidup dalam keadaan baik. Varian dari Aisha.
    Keysha    Hidup dalam keadaan baik. Varian dari Aisha.
    Khadeeja    First wife of the Prophet (pbuh)
    Khadijah    Istri Rasulullah SAW
    Khairiah    Kebaikan
    Khairina    Kebaikan
    Khairoh    Baik hati
    Khairunnisa    Sebaik-baik wanita
    Khaizuran    Ketua, pemimpin
    Khaizuronah    Nama ibu Khalifah Harun Al Rasyid
    Khalda’    Langgeng
    Khaleeda    Abadi
    Khalidah    Immortal
    Khalilah    Kesayangan
    Khalishah    Murni
    Khansa    Nama pujangga Islam perempuan terdahulu, seorang pejuang Muslimah
    Kharidah    Anak gadis
    Khathibah    Ahli pidato
    Khatimah    Penutup, pengakhiran
    Khaulah    Sahabat wanita terkenal, rusa betina
    Khayla    Cantik
    Khayriyyah    Charitable, good
    Khazinah    Harta yang tersimpan
    Khotibah    Ahli pidato
    Khotimah    Penutup, Pengakhiran
    Khulaidah    Langgeng
    Khulud    Immortality
    Khuzaimah    Tali kendali
    Kulthum    Daughter of the Prophet (pbuh)

    NAMA HURUF L

    La’ali’    Permata-permata, mutiara
    La’ihah    Yang lahir, nyata
    La’iqoh    Patut, layak
    Labibah    Sehat akal dan cerdik
    Labitsah    Yang tinggal di suatu tempat
    Ladzidzah    Sedap, lezat
    Laela    Malam yang gelap
    Lafifah    Berkumpul, bercampur
    Laila    Nama orang Arab terdahulu, kerinduan, malam yg gelap
    Laimun    Buah jeruk yang manis
    Lam’a    Berkilau
    Lama    Darkness of lips
    Lamees    Soft to the touch
    Latafat    Variety
    Lathifah    Lemah lembut
    Latifah    Gentle, kind, pleasant
    Layanah    Kehalusan, kelemasan
    Leena    A devoted one, tender
    Lily    Sejenis bunga
    Lina    Tender
    Lubna    Buah kenitu
    Lujmah    Bukit yang datar
    Luqyana    Perjumpaan kita
    Luthfiyah    Lemah lembut

    NAMA HURUF M

    Ma’ali    Tinggi
    Ma’dzanah    Menara tempat adzan sholat
    Ma’ijah    Yang berombak, bergelombang
    Ma’iyah    Kebersamaan
    Ma’munah    Dipercaya
    Mabrukah    Dapat berkah
    Maghfirah    Pengampunan
    Mahasin    Kebaikan, kebajikan
    Mahbubah    Disenangi, dicintai
    Mahdiyah    Yang mendapat hidayah
    Maheem    Bulan penuh Mahfudhah,
    Mahfuzhah    Terpelihara
    Mahirah    Pandai, cakap
    Mahjabeen    Moon like
    Maimanah    Keberkahan
    Maimunah    Beruntung, keberuntungan, diberkahi Allah
    Maisarah    Ketenangan, nyaman, kemakmuran, kekayaan
    Maisun    Berwajah dan bertubuh cantik
    Maizah    Discerning
    Majeeda    Glorious
    Majidah    Mulia
    Makarim    Kebaikan hati
    Maknunah    Menutup muka karena malu
    Malaeka    Bidadari
    Malak    Angel
    Malihah    Cantik
    Malika    Pemilik
    Manal    Attainment, achievement
    Manar    Guiding light
    Mani’ah    Mulia, kuat
    Maqbulah    Diterima permintaannya
    Maram    Asperation
    Mardhiyah    Mendapat keridhoan Allah
    Mariah    Istri Rasulullah SAW, yang indah
    Mariam    Mother of Jesus (pbuh); Arabic form of Mary
    Marissa    Seorang yg bersopan santun
    Maritza    Diberkati
    Marsya    Subur
    Marwa    Berhati-hati dalam memikirkan
    Marwah    Bukit Marwah di Masjidil Haram
    Maryam    Mother of Jesus (pbuh); Arabic form of Mary
    Mas’ouda    Happy, lucky, fortunate
    Masarrah    Kesenangan
    Mashumah    Bebas dari dosa
    Masikah    Nama wanita sahabat nabi
    Masyithoh    Yang mati syahid oleh Fir’aun
    Mawaddah    Cinta kasih
    Mawahib    Bakat, kemampuan, ketangkasan
    Mawiyah    The essence of life
    May    Old Arabic name
    Mayesa    Penampilannya membanggakan
    Maymunah    Auspicious, blessed
    Maysun    Of beautiful face and body
    Mayyadah    To walk with a proud, swinging gait
    Mazaya    Istimewa
    Maznah    Gemilang
    Mehar    ”Kindness, grace”
    Meharunnisa    Kind
    Mehbooba    A friend
    Mu’minah    Beriman
    Mu’nisah    Teman yang menyenangkan
    Muazarah    Bantuan, pertolongan
    Mudhiah    Menyinari
    Mudrikah    Dapat memahami
    Mufeeda    Useful
    Mufidah    Memberi manfaat
    Muhajirah    Yang berhijrah
    Mukhbitah    Tunduk patuh
    Mumtaz    Istimewa
    Muna    Cita-cita, keinginan
    Munibah    B rinabah (Taubat) pada Alloh
    Munifah    Kedudukan yang tinggi – menonjol
    Munira    Hiasan cahaya, penerang
    Munirah    Bercahaya
    Muqsithah    Yang berbuat adil
    Muslimah    Beragama Islam
    Mustajabah    Terkabul do’anya
    Muthi’ah    Taat
    Muthmainnah    Tenang, Tentram
    Muznah    Berdandan bagus

    NAMA HURUF N

    Na’amah    Burung unta
    Na’ifah    Kedudukan tinggi
    Na’ila    Orang yang sukses
    Na’mah    Halus, lunak
    Naaila    Sesuatu yg istimewa
    Naaz    Pride
    Naazneen    Cantik
    Nabighah    Kenamaan, besar, mulia
    Nabihah    Cerdik, mulia
    Nabila    Ningrat, mulia, luhur
    Nabilah    Cerdik, mahir
    Nabilia    Kedermawanan
    Nada    Embun di pagi hari
    Nadha    Embun di pagi hari
    Nadhifah    Bersih
    Nadhira    Yang berseri-seri
    Nadia    Awal mula sesuatu, pembawa kesetiaan
    Nadiah    Awal mula sesuatu, pembawa kesetiaan
    Nadimah    Teman akrab
    Nadira    Khusus, unik
    Nadirah    Jarang
    Nadiyah    Awal mula sesuatu, pembawa kesetiaan
    Nadzifah    Bersih
    Nafhah    Aroma yang melegakan hati
    Nafi’ah    Bermanfaat
    Nafilah    Ibadah tambahan
    Nafisah    Yang amat berharga; berkedudukan tinggi
    Naflah    Bunga matahari
    Nageena    Diamond
    Nahilah    Yang menyumbangkan ilmu dan adab
    Nahiyah    Pelaksana larangan (pencegah), larangan
    Nahiyyah    Pelaksana larangan (pencegah), larangan
    Nahla    Minuman Naifah,
    Nailah    Yang suka memberi
    Naimah    Kenikmatan, halus, lunak
    Najah    Keselamatan, Kemenangan
    Najat    Safety
    Najdah    Bantuan
    Najeeba    Of noble birth
    Najiah    Selamat
    Najibah    Bernilai, mulia, utama
    Najiyah    Safe
    Najla    Of wide eyes
    Najla’    Yang bermata elok, Yang baik keturunannya
    Najmah    Bintang
    Najwa    Berbisik-bisikan
    Najya    Victorious
    Naqiyah    Jernih
    Naqiyyah    Jernih
    Nashida    Student
    Nashita    Energetic, full of life
    Nashwa    Fragrance, perfume, that which intoxicates
    Nasiha    One who gives valuable advice
    Nasira    Victorious, helper
    Nasmah    Angin sepai-sepoi
    Nasyiah    Perkembangan
    Nathifa    Clean, pure
    Natrah    Happy
    Naurah    Bunga
    Nawad    Awal mula dari sesuatu
    Nawal    Gift
    Nawar    Flower
    Nazahah    Purity, righteousness, honesty
    Nazihah    Bersih dari noda
    Nazima    Poetess
    Nazirah    Like, equal, matching
    Nazma    Star
    Nazurah    Pemimpin Yang Disegani
    Neelopher    A blue lotus flower
    Ni’mah    Blessing, loan
    Nibal    Arrows
    Nibras    Pelita, pemberani, ujung tombak
    Nida    Call
    Nida’    Seruan
    Nihal    Minum dari sumber air
    Nikmah    Kenikmatan
    Nisrin    Harum bunga mawar
    Nisrina    Bunga mawar putih
    Noor    Cahaya
    Noorjahan    Light of the world
    Nouf    Highest point on a mountain
    Nud-ah    Pelangi, cahaya matahari ketika terbit atau terbenam
    Nudhar    Gold
    Nufah    Yang sempurna tinggi dan kecantikannya
    Nuha    Intelligence
    Numa    Beautiful and pleasant
    Nur    Cahaya
    Nur Aini    Cahaya mataku
    Nurain    Cahaya mata
    Nurjannah    Cahaya surga
    Nurjihan    Nama tokoh perempuan
    Nurul    Cahaya
    Nurulain    Cahaya mata
    Nusrat    Victory
    Nuzhah    Rekreasi

    NAMA HURUF P

    Putri    Puteri

    NAMA HURUF Q

    Qa’niah    Merasa puas dan rela
    Qaireen    Kebaikan
    Qairina    Kebaikan
    Qaisara    Permaisuri
    Qaisarah    Permaisuri
    Qamar    Bulan
    Qamariyah    Berdasarkan bulan
    Qanitah    Taat, berbakti, sholat lama berdiri
    Qariah    Pembaca
    Qaribah    Dekat
    Qarirah    Pandangan yg sejuk
    Qasamah    Keindahan dan kecantikan
    Qasrina    Istana
    Qatrunnada    Tetesan embun
    Qiblah    Tempat sholat
    Qiladah    Kalung, perhiasan
    Qimah    Harga sesuatu, kadarnya
    Qismah    Bagian, nasib
    Qistina    Keadilan
    Qisya    Hidup dalam keadaan baik. Varian dari Aisha.
    Qithmir    Kulit ari
    Qoidah    Pemimpin
    Qomar    Bulan
    Qomariah    Berdasar bulan
    Qoni’ah    Merasa puas dan rela
    Qonitah    Taat, Berbakti, Shalat lama berdiri
    Qoriah    Pembaca
    Qoribah    Dekat
    Qorirah    Pandangan yang sejuk
    Qosamah    Keindahan dan kecantikan
    Qubilah    Concord
    Qurratu’ain    Sedap dipandang mata

    NAMA HURUF R

    Rabab    Musik instrumen Arab
    Rababah    Mega putih
    Rabbiya    Angin sejuk di musim semi
    Rabi’ah    Yang ke 4
    Rabia    ”Popular, Famous, divine”
    Rabihah    Tanah yg tinggi
    Radeyah    Content, satisfied
    Radhiyah    Ridlo
    Radhwa    A mountain in Medina
    Radwa    Kesukaan, kepuasan
    Rafi’ah    Derajatnya tinggi
    Rafidah    Papan atap, pemberi pertolongan
    Rafifah    Berakhlak baik
    Rafilah    Anggun, mewah
    Raghad    Nyaman, kenyamanan
    Raghd    Pleasant
    Rahadatul ‘Aisy    Kemakmuran hidup
    Rahidah    Lembut
    Rahifah    Tipis
    Rahimah    Merciful, compassionate
    Rahmah    Kasih sayang
    Raidah    Angin yg bertiup dgn lembut, pemimpin
    Raihanah    Tanaman yang harum, perempuan yg luhur
    Raiqah    Bening, murni
    Raisha    Pemimpin Raja,
    Rajihah    Mantap timbangannya
    Rajiyyah    Yang diharapkan
    Rakizah    Emas, perak dlm tanah
    Ramizah    Orang yg terhormat
    Ramlah    Tokoh sahabat wanita
    Ramziyah    Isyarat
    Rana    To gaze, look
    Rand    Tree of good scent
    Raniah    Mempesona
    Raninah    Gemerincingan
    Raniyah    Gazing
    Rannan    Gemerincing
    Raqiqah    Lembut
    Raqwan    Kemajuan
    Rasanah    Tempat pemberhentian
    Rasha    Young gazelle
    Rasheeda    Wise, mature
    Rasmiyah    Secara resmi
    Rasyadah    Petunjuk jalan yg lurus
    Rasyidah    Mendapat petunjuk
    Rasyiqah    Bentuk tubuh yg indah
    Raudhah    Taman
    Rawdha    Garden
    Rawiyah    Transmitter of ancient Arabic poetry
    Rayya    Sated with drink
    Razinah    Serius dlm perilaku
    Reem    Gazelle
    Rida    Favored by God
    Rif’at    Tinggi martabatnya
    Rifa    Setuju, mufakat
    Rifdah    Pemberi pertolongan
    Rihab    Luas dan lebar
    Riham    Hujan gerimis yang berkepanjangan
    Rihana    Sweet basil
    Rima    White antelope
    Rizqah    Rezeki, kurniaan Allah
    Robi’ah    Yang keempat
    Rodhiyah    Ridho
    Rofi’ah    Derajatnya tinggi
    Rofidah    Papan atap, Pemberi pertolongan
    Rofifah    Berahlak baik
    Rofilah    Anggun, mewah Rohadatul
    Rojihah    Mantap timbangannya
    Rojiyyah    Yang diharapkan
    Romizah    Orang yang terhormat
    Roninah    Gemerincing
    Roqiqoh    Lembut
    Rosmiyah    Secara resmi
    Rosyadah    Petunjuk jalan lurus
    Rosyiqoh    Bentuk tubuh yang indah
    Rozinah    Serius dalam perilaku
    Rubeina    Bright
    Rudainah    Yang memintal benang
    Rukan    Steady, confident
    Ruksana    Beautiful
    Ruqayah    Kemajuan, nama putri Nabi SAW
    Ruqayyah    Gentle; Daughter of the Prophet (pbuh)
    Rusydah    Petunjuk jalan lurus
    Ruwaidah    Berhati-hati, perlahan-lahan
    Ruwaydah    Walking gently

    NAMA HURUF S

    Sa’adah    Kebahagiaan
    Sa’danah    Burung merpati, kebahagiaan
    Sa’diyah    Berbahagia
    Saarah    Istri Nabi Ibrahim As
    Sab’atuabhur    7 laut
    Sabah    Morning
    Sabalik    Sepotong emas, perak
    Sabikah    Penambang emas, nama sahabat Nabi SAW
    Sabirah    Patient
    Sabreen    Kesabaran
    Sabrina    Kesabaran
    Sadidah    Jitu, tepat sasaran, benar
    Sadika    Truthful
    Safa    Clarity, purity, serenity
    Safanah    Membuat kapal, angin agak keras
    Safinatunnajah    Kapal penyelamat
    Safiya    a Virtuous Lady
    Safiyyah    Untroubled, serene, pure, best friend
    Sahar    Dawn
    Sahlah    Smooth, soft, fluent, flowing
    Saidah    Berbahagia
    Saifanah    Lenjang seperti pedang terhunus
    Saihah    Good, useful
    Sajidah    Bersujud
    Sakeena    a friend
    Sakina    Lembut, hening, tenang, ketentraman
    Sakinah    God – inspired peace of mind, tranquility
    Salamah    Keselamatan, sehat
    Saleema    Peace, flawless, faultless, safe, healthy
    Salena    Moon
    Salihah    Correct, agreeable
    Salima    Happy, peaceful, calm
    Salimah    Aman, lengkap
    Salma    Peaceful
    Salsabila    Mata air di surga
    Salwa    Burung puyuh
    Samah    Generosity
    Samar    Evening conversation
    Sameeha    Generous
    Sameera    Entertaining female companion
    Sameh    Forgiver
    Samihah    Lemah lembut, murah hati, dermawan
    Samirah    Penghibur, teman ngobrol
    Samiyah    Elevated, exhalted, lofty
    Sana’    Kenaikan tingkat derajat
    Saninah    Promosi, kenaikan tingkat
    Sarah    Nama isteri Nabi Ibrahim AS
    Satirah    Wanita yang menutup-nutupi aib dan dosanya
    Sausan    Bunga Lili
    Sawsan    Lily of the valley
    Sayeeda    ”Auspicious, Leader”
    Sayyidah    Pemimpin
    Shaba    Berkelakuan anak muda
    Shabab    Youth
    Shabana    Famous
    Shabirah    Bersabar
    Shabnam    Dew drops
    Shadha    Aromatic
    Shadiqah    Benar, jujur
    Shadiya    Menyanyi
    Shadiyah    Singer
    Shadrina    Hati
    Shafa’    Kejernihan
    Shafiyah    Jernih
    Shafiyyah    Kawan tulus ikhlas
    Shagufta    Blooming
    Shaheen    ”Soft, gentle, tender”
    Shahmina    Yang cerdik
    Shahrazad    Teller of Tales of 1,001 Nights
    Shaima    Baik, alami
    Shakeela    ”Pretty, beautiful”
    Shakira    Syukur, berterimakasih
    Shalehah    Baik
    Shama    Lamp
    Shameena    Beautiful
    Sharifah    Noble
    Shaza    Harum, wangi
    Shazia    Harum, wangi
    Shephali    a type of ?flower
    Shiba    Rindu
    Shiddiqah    Membenarkan, sangat jujur
    Shidqiyah    Benar, jujur
    Shifwah    Sahabat yang akrab
    Shiyabah    Yang benar
    Sho’ibah    Yang benar
    Sho’ighoh    Tukang emas
    Shoba    Berkelakuan anak muda
    Shobah    Pagi hari
    Shobiroh    Bersabar
    Shofa    Bukit Sofa di Masjidilharam
    Shofa’    Kejernihan
    Shofhah    Pemaafan, Halaman buku
    Shofiyah    Jernih
    Shofiyyah    Kawan tulus ikhlas
    Shofwah    Keiklasan dalam cinta
    Saninah    Promosi, kenaikan tingkat
    Sarah    Nama isteri Nabi Ibrahim AS
    Satirah    Wanita yang menutup-nutupi aib dan dosanya
    Sausan    Bunga Lili
    Sawsan    Lily of the valley
    Sayeeda    ”Auspicious, Leader”
    Sayyidah    Pemimpin
    Shaba    Berkelakuan anak muda
    Shabab    Youth
    Shabana    Famous
    Shabirah    Bersabar
    Shabnam    Dew drops
    Shadha    Aromatic
    Shadiqah    Benar, jujur
    Shadiya    Menyanyi
    Shadiyah    Singer
    Shadrina    Hati
    Shafa’    Kejernihan
    Shafiyah    Jernih
    Shafiyyah    Kawan tulus ikhlas
    Shagufta    Blooming
    Shaheen    ”Soft, gentle, tender”
    Shahmina    Yang cerdik
    Shahrazad    Teller of Tales of 1,001 Nights
    Shaima    Baik, alami
    Shakeela    ”Pretty, beautiful”
    Shakira    Syukur, berterimakasih
    Shalehah    Baik
    Shama    Lamp
    Shameena    Beautiful
    Sharifah    Noble
    Shaza    Harum, wangi
    Shazia    Harum, wangi
    Shephali    a type of ?flower
    Shiba    Rindu
    Shiddiqah    Membenarkan, sangat jujur
    Shidqiyah    Benar, jujur
    Shifwah    Sahabat yang akrab
    Shiyabah    Yang benar
    Sho’ibah    Yang benar
    Sho’ighoh    Tukang emas
    Shoba    Berkelakuan anak muda
    Shobah    Pagi hari
    Shobiroh    Bersabar
    Shofa    Bukit Sofa di Masjidilharam
    Shofa’    Kejernihan
    Shofhah    Pemaafan, Halaman buku
    Shofiyah    Jernih
    Shofiyyah    Kawan tulus ikhlas
    Shofwah    Keiklasan dalam cinta

    NAMA HURUF T

    Ta’ibah    Yang bertaubat
    Tabassum    ”Smile, laughter”
    Tabriz    Pengungkapan suatu kebaikan
    Tadmar    Nama perempuan yang dijadikan nama kota di Jazirah Arab
    Tadzkiroh    Peringatan
    Taghrid    Kicauan burung, nyanyian
    Tahajeeb    Culture
    Tahani    Ucapan selamat, salam, sambutan
    Tahira    Murni, bersih
    Tahirah    Pure, chaste
    Tahiyyah    Kehormatan, selamat dari bahaya, salam
    Takiyah    Pious, righteous
    Talibah    Seeker after knowledge
    Tamamah    Pelengkap, penyempurna
    Tamimah    Kuat, tangkal, jimat
    Taqiyyah    Bertaqwa
    Tarik    star
    Tarique    Morning star
    Tarub    Merry
    Tasleem    ”Salute, congratulations”
    Thahirah    Bersih, suci
    Thai’ah    Taat, patuh
    Thaliqah    Lancar ( lidahnya ), fasih
    Tharfa’    Menepi
    Tharifah    Ucapan baru yang digemari
    Thawaf    Mengelilingi Ka’bah
    Thifal    Lembut, halus
    Thiyah    Niat hati
    Tho’ah    Taat
    Tho’i'ah    Taat, patuh
    Tho’ifah    Sekumpulan, yang mengelilingi
    Tho’ilah    Kemampuan
    Thohiroh    Bersih, suci
    Tholiqoh    Lancar lidahnya, fasih
    Thorfa’    Menepi
    Thorifah    Ucapan baru yang digemari
    Thoyyibah    Baik
    Thufailah    Lembut dan halus
    Thurayya    Star
    Tihani    Bahagia
    Tsabitah    Tangguh, lurus, pemberani
    Tsamarah    Buah, buah hati, keturunan
    Tsamarotulqolbi    Buah hati
    Tsana    Pujian
    Tsaniyah    Yang kedua
    Tsaqofah    Kebudayaan
    Tsarwah    Kekayaan
    Tsawab    Pahala
    Tsumamah    Nama wanita
    Tsuraya    Nama bintang
    Tuadah    Ketenangan
    Tuffahati    Buah apelku
    Tuhfah    Hadiah
    Tuhina    Snow

    NAMA HURUF U

    U’jubah    Sesuatu yg mengherankan
    Ubadah    Ibadah, yg menyembah
    Ubaidah    Hamba
    Udulah    Adil, menghukum dgn benar
    Udzah    Azimat, tangkal
    Udzroh    Halangan
    Ufairah    Pemberani
    Ulfah    Persahabatan
    Umaimah    Dari kata Umumah (keibuan)
    Umairah    Nama wanita dahulu
    Umamah    Cucu Rasulullah SAW dari Zainab
    Umayma    Little mother
    Ummu Kulsum    Putri Rasulullah SAW
    Umniah    Cita-cita, cita-citaku
    Umniyati    Cita-cita, cita-citaku
    Unaizah    Kambing betina
    Urjuwanah    Pohon yang kemerah-merahan, warna merah yang indah
    Urwatul Wutsqo    Buhul tali yang kuat
    Uzdah    Ada unsur kelebihannya
    Uzma    Terbaik

    NAMA HURUF U

    U’jubah    Sesuatu yg mengherankan
    Ubadah    Ibadah, yg menyembah
    Ubaidah    Hamba
    Udulah    Adil, menghukum dgn benar
    Udzah    Azimat, tangkal
    Udzroh    Halangan
    Ufairah    Pemberani
    Ulfah    Persahabatan
    Umaimah    Dari kata Umumah (keibuan)
    Umairah    Nama wanita dahulu
    Umamah    Cucu Rasulullah SAW dari Zainab
    Umayma    Little mother
    Ummu Kulsum    Putri Rasulullah SAW
    Umniah    Cita-cita, cita-citaku
    Umniyati    Cita-cita, cita-citaku
    Unaizah    Kambing betina
    Urjuwanah    Pohon yang kemerah-merahan, warna merah yang indah
    Urwatul Wutsqo    Buhul tali yang kuat
    Uzdah    Ada unsur kelebihannya
    Uzma    Terbaik

    NAMA HURUF W

    Wa’ishoh    Kelompok
    Wa’izhoh    Pemberi nasehat
    Wabilah    Tongkat
    Wabishoh    Api
    Wada’ah    Lemah lembut
    Wadhiah    Yang bagus dan bersih
    Wadi’ah    Titipan
    Wadil Fatmah    Nama tempat penanaman tanaman di Arab Saudi
    Wafa    Kesetiaan
    Wafa’    Kesempurnaan, merpati
    Wafia    Kesetiaan
    Wafiyyah    Merpati, menepati, sempurna, lengkap
    Wahida    Beautiful
    Wahidah    Sendirian
    Wajd    Waspada
    Wajihah    Orang yang berkedudukan
    Wardah    Bunga mawar
    Washfa    Yang punya sifat tertentu
    Washifah    Anak atau pelayan perempuan dibawah umur
    Wasilah    Pendekatan diri kepada Allah, kedudukan dan pangkat
    Wasimah    Rupawan
    Wazirah    Mentri wanita
    Waznah    Pencari keadilan
    Wiaam    Harmonis
    Widad    Kasih sayang
    Wifaq    Kerukunan

    NAMA HURUF Y

    Yadawiyyah    Yang pandai
    Yafi’ah    Yang luhur, dihormati, usia muda, yg tinggi
    Yamamah    Merpati, tujuan, nama kota di Arab
    Yamnah    Arah/ sebelah kanan
    Yani’ah    Matang
    Yaqutah    Batu permata, batu-batuan surga
    Yasirah    Mudah, sedikit
    Yasmeen    jasmine flower
    Yasmin    Bunga melati
    Yumma    Kanan
    Yumna    Kanan
    Yusri    Mudah
    Yusrina    Kesenangan kami
    Yusriyah    Mudah

    NAMA HURUF Z

    Za’amah    Kekuasaan
    Za’imah    Pemimpin
    Za’irah    Berkunjung
    Zabarij    Perhiasan
    Zada    Keberuntungan
    Zafirah    Yang beruntung; yang menang
    Zafrah    Kemenangan
    Zahidah    Rendah hati, tidak rakus dunia
    Zahira    Expression
    Zahirah    Berkilau
    Zahiyah    Elok
    Zahra    Bunga
    Zahrah    Flower, beauty, star
    Zaidah    Suatu kelebihan
    Zaina    Beautiful
    Zainab    Daughter of the Prophet (pbuh)
    Zaitun    Buah Zaitun
    Zakhruf    Emas, Keindahan sesuatu
    Zakiyah    Tumbuh dengan baik, Bersih
    Zakiyyah    Pure
    Zalfa    Kulit mutiara
    Zamzam    Air Zamzam
    Zanirah    Kecil dan Lembut, Tali
    Zara    Princess
    Zarin    Golden
    Zarina    Queen
    Zarinah    Nama wanita dahulu
    Zaynah    Beautiful
    Zeenat    Honor
    Zenia    A type of a flower
    Zhafirah    Yang beruntung; yang menang
    Zhafrah    Kemenangan
    Zhalilah    Taman yang banyak pepohonannya
    Zhufairah    Yang banyak mendapatkan kemenangan
    Zubaidah    Excellent
    Zuhriyah    Bunga
    Zuhur    Bunga-bunga
    Zulaikha    Cantik
    Zulal    Tawar, Air Tawar
    Zulekha    Beautiful
    Zulfa    Kedudukan yang dekat
    Zurarah    Nama burung
    Zuyyin    Dijadikan indah

    Pemilihan huruf pertama pada nama juga adalah penting. Berikut sebagai sedikit panduan.

    A    Ramah dan murah senyuman. Mereka juga pandai menyesuaikan diri dalam pergaulan selain bijaksana dan cerdas. Kelemahannya, sangat mudah berasa hati, dan mudah mengeluarkan kata-kata pedas ketika meluahkan perasaan marah. Meskipun begitu marahnya mudah reda.
    B    Selalu tenang dalam menghadapi masalah yang rumit dan membahayakan dirinya adalah ciri penampilannya. Mereka juga sangat setia dan penyabar, yang menjadikannya amat disenangi dalam pergaulan. Kelemahannya, sangat mudah tersinggung.
    C    Ramah dan pandai berbicara. Ini yang menjadikannya popular di kalangan rakan-rakan. Mereka tidak bersungguh dalam bertindak dan selalu menganggap masalah yang dihadapi adalah remeh.
    D    Pendiam, bercakap hanya bila perlu. Sopan, berdisiplin dan kuat bekerja. Kelebihannya itulah yang menghasilkan kejayaan dalam mencapai cita-cita. Kelemahannya adalah selalu bimbang dan sukar mempercayai orang lain.
    E    Pandai dan penuh pertimbangan dalam menjalankan tanggung jawab. Sikapnya periang bila hatinya senang, tetapi suka berdiam diri apabila hatinya gundah dan boleh membuatkan hati orang lain terluka.
    F    Punya pendirian yang teguh, tidak mudah goyah dan keras kepala. Mereka juga sukar memaafkan. Tidak setia dan amat berhati-hati bila berbelanja.
    G    Kerap murung dan bersedih hati. Pendiriannya mudah dipengaruhi. Tekun belajar ketika rakannya bermalas-malasan dan sebaliknya suka bermalas-malasan ketika rakannya sedang tekun.
    H    Mudah simpati, bahasanya lemah-lembut. Tidak pernah melukai perasaan orang lain. Selalu tergesa-gesa dalam melakukan pekerjaan, suka berkhayal dan bercita-cita terlalu tinggi.
    I    Suka memendam perasaan dan permasalahan. Mereka juga mudah merasa curiga dan cemburu terhadap orang lain. Suka menangis.
    J    Ramah dan murah senyuman. Mereka juga pandai menyesuaikan diri dalam pergaulan. Mudah merasa ragu dalam membuat keputusan dan tidak tegas.
    K    Pandai berjenaka. Hari-harinya sentiasa ceria walaupun perasaannya gundah. Kelemahannya suka bercerita rahsia sendiri.
    L    Ramah dan pandai bergaul dan mempunyai ramai kawan. Tidak suka bergosip dan mencampuri urusan orang lain. Amat berhati-hati bila berbelanja. Kelemahannya, tidak menepati masa.
    M    Pandai dan kreatif, suka kelembutan dan jika dikongkong, mereka akan berontak. Senang dijadikan sahabat, kerana mereka tidak berkira. Kelemahannya, boros dan keras kepala.
    N    Baik hati dan rapi dalam berpakaian. Mereka suka menghulurkan tangan menolong orang lain tanpa memikirkan balasan. Kelemahannya, mudah bersedih hati dan kurang percaya diri.
    O    Serba boleh. Suka memendam perasaan dan permasalahan serta sukar mempercayai orang lain. Akibatnya ramai yang menggapnya sombong dan suka memilih teman.
    P    Pandai berjenaka dan selalu ceria. Punya banyak idea dan sangat kretif. Sering melakukan sesuatu yang belum dilakukan orang lain. Agak pendendam dan boros.
    Q    Setia dan mudah memaafkan orang lain. Suka meluangkan waktunya untuk kawan-kawan. Keras kepala, sukar diatur dan mudah emosi.
    R    Pendiam dan bercakap hanya bila perlu. Tekun dengan kerja yang disukai dan bersungguh-sungguh dalam mengejar cita-cita. Suka mengkritik. Dan sukar mengawal bicara ketika marah.
    S    Pandai dan tekun dalam mengejar cita-cita. Tidak suka pada orang yang suka memungkiri janji. Kelemahannya mudah tersinggung selain sukar menahan emosi. Jika sudah emosi marahnya meledak-ledak.
    T    Sangat berdisiplin. Selalu mengerjakan sesuatu menurut aturan buku. Tidak suka mengelamun atau bermalas-malasan. Suka menonjolkan diri selain senang gugup, terutama bila bersalah.
    U    Suka berterus-terang dan menyendiri. Naif baginya merugikan orang lain. Tidak tahan dengan kritikan dan kurang pandai menyusun kata-kata jika berbicara didepan orang ramai.
    V    Tutur katanya lembut dan pemalu. Pandai meyesuiakan diri. Selain itu, mereka juga pandai menguasai orang disekitarnya dengan cerita-cerita yang memikat. Tidak suka berterus terang.
    W    Ramah dan mudah simpati. Sikapnya amat menawan. Punya toleransi yang tinggi dan ringan tangan. Keras kepala dan sukar diatur, tetapi hatinya boleh dilembutkan dengan kesabaran dan kelembutan.
    X    Budi pekertinya halus. Suka melakukan pekerjaan sosial. Mudah tersinggung dan tidak akan berbaik dengan mereka yang menyinggungnya.
    Y    Pendiam dan tidak suka menonjolkan diri. Ramai menganggapnya sombong walaupun sebenarnya mereka adalah sahabat yang baik. Tidak berani mengemukakan pendapat.
    Z    Pandai berjenaka dan menyesuaikan diri dalam pergaulan. Suka disapa terlebih dulu dan gemar menonjolkan diri.

    GABUNGAN NAMA TERPILIH

    Ahmad Silmi Najwan
    Waldan Wahnan
    Nur Irdina Batrisya
    Nur Hanisah Aqilah
    Nur Anis Irdina
    Siti Nur Fatini
    Izzat Hanif
    Rayyan Imtiyaz Iman
    Ammar Suhail
    Putra Faris Aiman
    Nur Dalia
    Haikal Irfan
    Airis Zara
    Mohd Harith Fahmi
    Muhammad Rayyan Ammar
    Raisha Kaleela
    Yasmin Nuha
    Aisy Nur Arissa
    Nur Aisy Qasrina
    Iris Arissa Haris
    Mohamad Afiq Ikhwan
    Danish Hisyam
    Mohd Irfan Amani
    Zara Alisha Sofia
    Iqbal Marwan Syawal

    Nur Ain Nafisah
    Faeyza Alzam
    Afiq Anas Arsyad
    Ameera Naaz
    Nurain Khadeeja
    Muhammad Aqil Rafiqi
    Mohd Bazli
    Faizah Amin
    Rahimi Nabil
    Muhammad Fadhilah
    Hafiz Nizam
    Airis Qasrina
    Nurul Marissa Amani
    Muhammad Huzaiman Iman
    Haris Fahmi
    Siti Nurul Amirah
    Nur Asma Batrisya
    Mohamed Fuad
    Noor Delisha
    Siti Syakura
    Auni Shameena
    Shafiq Khairy
    Abdul Kabir
    Ahmad Nurhan Daris
    Qaiser Qays
    Afza Mustaqim
    Muhammad Syazwan Rizqi
    Putri Amnani Qistina
    Muhammad Afiq Iqbal
    Amar Arafat
    Mohd Amsyar
    Akmal Rusydi
    Wahidah Irtiyah
    Rizqin Amzar
    Putra Rayyan Khalish
    Maryam Qairina
    Anis Farzana
    Nur Isma Alisha
    Syafiq Hilmi
    Muhammad Aliuddin Fakhrullah
    Sharifah Nur Alya Arissa Sofia
    Aqilah Irdina
    Zahrah Amani
    Nur Amni Qisya
    Amnah Basyirah
    Alisha Ariana
    Airis Zara Amani
    Auni Nuha
    Muhammad Hani Helmi
    Aiman Hafiz

    Hayfa Aneesa
    Syarifah Nadira Husna
    Ahmad Nizam
    Nur Asiilah
    Muhammad Arfa Danish
    Nur Widad Safiya
    Adam Anaqi
    Mohamad Syahmi Widad
    Nur Hanis Qistina
    Muhammad Athar Taqiuddin
    Damia Eryna Batrisya
    Rais Farhan
    Siti Nur Aini Nadhira
    Isma Naqib
    Muhammad Harith Amzar
    Mohd Azizi Nizam
    Omar Azizi
    Muhammad Amal Yasin
    Nur Ameera Qisya
    Dhiya Batrisyia
    Yasmin Kamila Manan
    Syabil Azfar
    Afiq Adib
    Nur Hafawati Zuyyin
    Aqil Furqan

    NAMA-NAMA YANG DILRANG DALAM ISLAM

    Nama-nama Dilarang dalam Islam (Panduan menamakan anak)

    Abkam    Tidak celik, buta
    Abiqah    Hamba yang lari dari tuannya
    Afinah    Yang bodoh
    Asyar    Paling jahat
    Asyirah    Yang tidak bersyukur atas nikmat
    Amah    Hamba suruhan perempuan
    Baghiah    Yang zalim, jahat
    Bahimah    Binatang
    Balidah    Yang bodoh, bebal
    Bakiah    Yang menangis, merengek
    Baqarah    Lembu Betina
    Batilah    Yang batil, tidak benar
    Dabbah    Binatang
    Dahriyah    Yang mempercayai alam wujud dengan sendirinya
    Dahisyah    Goncang, stress
    Darakah    Kedudukan yang rendah
    Daniyah    Yang lemah dan hina
    Dami’ah    Yang mengalir air matanya
    Fasidah    Yang rosak, yang binasa
    Fasiqah    Yang jahat, si fasik
    Fasyilah    Gagal, kalah
    Fajirah    Yang jahat, yang berdosa
    Faji’ah    Kecelakaan
    Ghafilah    Yang lalai, yang leka
    Ghailah    Kecelakaan, bencana
    Ghaibah    Hilang
    Ghasibah    Perampas, perompak
    Ghamitah    Yang tidak mensyukuri nikmat
    Ghawiah    Yang sesat, yang mengikut hawa nafsu
    Haqidah    Yang dengki
    Hasidah    Yang hasad
    Hazinah    Yang sedih
    Huzn    Kesedihan
    Khabithah    Yang jahat, yang keji
    Khali’ah    Yang tidak segan silu, mengikut hawa nafsu
    Khati’ah    Yang bersalah, yang berdosa
    Khasirah    Yang rugi
    Khamrah    Arak
    Jariah    Hamba suruhan perempuan
    Jafiah    Yang tidak suka berkawan
    Kaibah    Yang sedih
    Kafirah    Yang kafir, yang ingkar
    Kamidah    Yang hiba, yang sangat berduka
    Kazibah    Pendusta, pembohong
    Lahab    Bara api
    Laghiah    Sia-sia, tidak berfaedah
    La’imah    Yang tercela
    Lainah    Yang terkutuk
    Lahifah    Yang sedih, menyesal dan dizalimi
    Maridah    Yang menderhaka
    Majinah    Yang bergurau senda tanpa perasaan malu
    Majusiah    Agama menyembah api atau matahari
    Munafikah    Yang munafik
    Musibah    Celaka, bencana, kemalangan
    Nariah    Api
    Nasyizah    Yang menderhaka dan melawan suami
    Najisah    Yang najis dan kotor
    Qabihah    Yang buruk, hodoh
    Qatilah    Pembunuh
    Qasitah    Yang melampaui batasan dan menyeleweng dari kebenaran
    Qazurah    Kejahatan, perzinaan
    Rajimah    Yang direjam, yang dilaknat
    Razi’ah    Kecelakaan, musibah
    Razilah    Yang keji dan hina
    Sakitah    Yang jatuh, yang hina, yang jahat
    Safilah    Yang rendah dan hina
    Sahiah    Yang pelupa
    Sakirah    Pemabuk
    Syafihah    Yang bodoh
    Syaridah    Yang diusir
    Syaqiyah    Yang menderita
    Syarrul Bariyyah    Sejahat-jahat manusia
    Syani’ah    Yang buruk
    Syarisah    Yang buruk akhlak
    Syatimah    Maki hamun
    Syariqah    Pencuri
    Talifah    Yang rosak, yang binasa
    Tarbiyah    Yang papa kedana
    Tarikah    Anak dara tua
    Tafihah    Karut
    Talihah    Yang tidak baik
    Yaisah    Yang berputus asa
    Yabisah    Yang kering, yang sedikit kebaikannya
    Wahinah    Penakut
    Waqihah    Yang kurang sopan dan malu
    Wasikhah    Yang kotor
    Wasyiah    Yang mengumpat, yang mengadu dombakan orang
    Wahimah    Yang lemah
    Wahiah    Yang lemah, yang jatuh, yang buruk
    Wajilah    Penakut
    Wailah    Bencana, keburukan
    Waqi’ah    Pertempuran dalam peperangan, umpatan
    Zalijah    Kebinasaan
    Zalilah    Yang hina
    Zalimah    Yang zalim
    Zaniyah    Penzina, pelacur
    Zufafah    Racun pembunuh

    Posted in PRODUK LELAKI, PRODUK SUAMI ISTERI, PRODUK WANITA, PRODUK ZAKARwith 2,355 Comments →

    TIPS UNTUK BERJAYA DALAM HIDUP / TIPS FOR SUCCESS IN LIFE05.06.10

    TIPS UNTUK BERJAYA


    Kata-kata mereka ini mungkin mampu memberikan inspirasi kepada anda untuk melakukan perkara-perkara yang anda impikan. Mungkin juga  boleh membantu anda berjaya dan juga mungkin juga boleh membuatkan anda bahagia.

    1. “Semua impian kita boleh menjadi kenyataan – jika kita mempunyai keberanian untuk melaksanakannya.” - Walt Disney

    2. “Masa anda adalah terhad, jangan membazir hidup memikirkan orang lain. Jangan terperangkap dengan  hasil pemikiran orang lain. Jangan biarkan bunyi pendapat orang lain sehingga melemaskan suara hati anda sendiri. Dan yang paling penting, anda mempunyai keberanian untuk mengikuti gerak hati anda. ” – Steve Jobs

    3. “Hidup itu pendek, hidup. Cinta jarang berlaku, rebut. Kemarahan adalah tidak baik, buangkannya. Ketakutan adalah besar, hadapinya. Kenangan yang manis, hargai ia. ” - Peribahasa

    4. “Jangan katakan yang anda tidak mempunyai masa yang cukup. Anda juga mempunyai  masa yang sama seperti orang lain iaitu 24 jam sehari . Begitu juga dengan  Helen Keller, Pasteur, Michaelangelo, Ibu Teresea, Leonardo da Vinci, Thomas Jefferson, dan Albert Einstein.” - H. Jackson Brown Jr

    5. “Kurang takut, harap lebih, kurang mengeluh, bernafas lebih, kurang bercakap, bekerja lebih, kurang benci, suka lebih, dan perkara-perkara yang baik akan menjadi milik anda.” - Peribahasa Sweden

    6. “Terima tanggungjawab untuk hidup anda. Semuaanya di tangan anda. Bukan di tangan orang lain.”- Les Brown

    7. “Apabila salah satu pintu kebahagiaan ditutup, yang lain terbuka, tetapi sering kita melihat begitu lama pada pintu yang tertutup sehingga kita tidak melihat satu yang telah dibuka untuk kita.” - Helen Keller

    8. “Kebahagiaan bukan sesuatu yang anda tangguhkan untuk masa depan, ia adalah sesuatu yang anda reka bentuk untuk masa kini.”- Jim Rohn

    9. “Perbezaan antara orang yang berjaya dengan orang yang gagal adalah dari segi kekurangan kekuatan, bukan kekurangan pengetahuan. ” - Vince Lombardi

    10. “Memang pahit apabila gagal, tetapi itu adalah lebih baik dari langsung tidak pernah cuba untuk berjaya.” - Theodore Roosevelt

    11. “Saya telah terlepas lebih daripada 9000 gambar dalam kerjaya saya. Saya telah kehilangan hampir 300 permainan. 26 kali, saya cuba ditembak dan terlepas. Saya telah gagal berulang-ulang kali dalam hidup saya. Dan itulah sebabnya saya berjaya. ” - Michael Jordan

    12. “Dalam usaha untuk berjaya, keinginan anda untuk berjaya harus lebih besar daripada ketakutan anda kepada kegagalan.” - Rang Undang-Undang Cosby

    13. “Ia bukan kerana perkara-perkara yang sukar, ia adalah kerana kita tidak berani melakukan perkara-perkara yang sukar.”- Seneca

    14. “Hanya yang paling bijak dan sangat bodoh yang tidak boleh berubah.” - Confucius

    15. “Mengetahui sahaja tidak mencukupi, kita perlu lakukan .” - Johann Wolfgang von Goethe

    16. “Kita adalah apa yang kita lakukan berkali-kali. Kecemerlangan, bukan merupakan satu tindakan tetapi satu tabiat.” - Aristotle

    17. “Wawasan tanpa tindakan adalah angan-angan. Tindakan tanpa wawasan adalah mimpi.” - Peribahasa Jepun

    18. “Matlamat adalah impian dengan tarikh akhir.” - Napoleon Hill

    19. “Tiba di satu matlamat merupakan titik permulaan kepada yang lain.” - John Dewey

    20. “Bina impian anda sendiri, atau orang lain akan mengambil anda untuk membina impian mereka.” - Farrah Gray

    21. “Perkara-perkara yang baik datang kepada mereka yang menunggu … perkara-perkara yang lebih besar pula datang kepada orang-orang yang sanggup melakukan apa sahaja untuk menjadikan ianya berlaku.” - Peribahasa

    22. “Perjalanan seribu batu bermula dengan satu langkah.” - Lao Tzu

    23. “Ketika kita melakukan kebaikan pada seseorang, kita sebenarnya telah berbuat baik pada diri kita sendiri. – Peribahasa

    24. “Orang yg berjaya dalam hidup adalah orang yang nampak tujuannya dengan jelas & menjurus kepadanya tanpa menyimpang. – Peribahasa

    25. “Bermimpilah yang sebesar-besarnya, tapi segeralah untuk melakukan sekecil-kecil kebaikan yang terdekat.” -Mario Teguh

    Adakah petikan ini memberikan anda sedikit inspirasi? Mari kita senaraikan lagi. Sila tambah dan kongsikan petikan dan kata-kata motivasi yang telah memberi inspirasi kepada anda di ruangan komen dibawah ini. Sama ada dari anda sendiri mahu pun dari orang lain. Manalah tahu ianya mampu memberi manfaat kepada orang lain juga.

    8 Tips Berjaya Dan Bahagia

    Untuk kebanyakan manusia, agak sukar untuk mendapat kejayaan dan kebahagiaan sekaligus. Ada orang bahagia sekalipun mungkin kehidupannya sederhana, dan ada orang berjaya dalam hidup dari sudut karier tapi tidak bahagia. Tetapi tak mustahil untuk dapatkan kedua-duanya sekali. Mungkin sedikit pengorbanan yang ikhlas akan membuahkan kejayaan dan kebahagiaan yang indah untuk anda.
    Tip 1: Mula kembali
    Andai berusaha tetapi tidak berjaya, jangan berhenti di situ. Mula kembali. Kalau orang Barat cakap “When things are not going right or you get knocked down, bounce right back again.” Selidik punca kegagalan. Dan kemudiannya mulakan langkah baru. Lekuk yang berlaku kerana disebabkan air, bukan kerana setitik air yang meniti itu terus membentuk lekukan tersebut. Malahan titisan tersebut jatuh berulang dan berulang sehingga membentuk lekuk tersebut. Anda juga boleh!
    Tip 2: Komitmen 100%
    Bagaikan tidak ada rasanya dalam kisah kejayaan mereka yang berusaha dan berkomitmen 60% tetapi mendapat hasil 100%. Mustahil melainkan tuah yang Allah SWT berikan. Bermakna nak berjaya dan bahagia anda perlu setiap hari memberikan komitmen kepada misi dan visi hidup anda. Berikan sepenuh tumpuan untuk mencapai apa yang anda inginkan. Bukan melepaskan batuk di tangga atau hangat-hangat tahi ayam. Tetapi buat betul-betul.
    Tip 3: Cari penyelesaian bukan alasan
    Semestinya dalam karier dan kehidupan akan hadapi banyak sekali cabaran dan masalah. Tetapi kita kadang-kadang terkeliru adakah apa yang kita lakukan itu adalah jalan penyelesaian atau alasan yang akan memburukkan lagi keadaan tersebut. Orang yang dilanda masalah dengan negatif akan mencari alasan. Dan orang yang menghadapi masalah dengan positif akan berusaha untuk mencari jalan penyelesaian sebaik mungkin walau apa pun caranya.
    Tip 4: Bina hubungan dengan orang lain
    Nak berjaya dalam karier memang kena banyak kenalan. Lagi ramai lagi bagus. Bak kata pepatah Melayu “Berkawan biar seribu”. Tak kiralah apa jua pekerjaan yang anda ceburi. Part-time atau profesional semuanya memerlukan ramai hubungan untuk berjaya. Begitulah juga jika ingin bahagia. Bina hubungan dengan orang lain sekurang-kurangnya kita dapat mempelajari kehidupan orang lain untuk memperbaiki perhubungan dalam keluarga kita. Ataupun jika kita dilanda masalah kita mempunyai ramai sahabat untuk kita minta doakan kita agar berjaya dan bahagia.
    Tip 5: Jaga diri anda
    Paling penting sebelum kita jaga orang lain, jaga diri sendiri. Jaga diri anda melalui tiga cara: kesihatan anda, perhubungan anda dengan orang lain dan kerjaya anda. Hilang imbangan ketiga-tiga perkara ini akan memberikan anda tekanan-tekanan yang lain pula. Jangan lupa jaga DIRI ANDA! Apabila kesihatan terganggu anda akan tidak dapat melakukan kerja dan juga tidak dapat membina hubungan dengan orang lain. Begitulah apabila anda hilang kerjaya, sudah pasti tidak ada sesiapa yang ingin membina hubungan dengan anda.
    Tip 6: Keluarlah dari kegelapan
    Wah! Keluar dari kegelapan bermakna anda mencari cahaya bukan? Memang benar. Nak berjaya, nak bahagia jangan terlalu terikat dengan pemikiran yang lama. Cubalah sesuatu yang baru, lebih kreatif dan dapat meransang diri untuk terus membina kejayaan diri, keluarga dan kerjaya.
    Tip 7: Jadilah tangan yang di atas
    Jadilah insan pemurah. Mereka yang pemurah akan diberkati Allah. Allah SWT akan mempermudahkan urusannya kerana banyak membantu orang lain dan manusia pula akan terus mendoakannya agar berada dalam kebahagiaan di dunia dan akhirat. Bayangkan bila semua orang doakan kita. Perasaan tenang dan bahagia mula hadir dalam diri kita.
    Menjadi insan pemurah bukan mengharapkan anda memberi derma beribu-ribu baru dianggap pemurah. Memadailah anda seorang yang suka membantu orang lain.
    Tip 8: Cari di mana keseronokkan bekerja
    Andai sudah hilang rasa seronok untuk bekerja sekarang, jangan terus dalam keadaan demikian. Pastikan apa yang anda perlukan untuk mengembalikan susasana keseronokkan tersebut. Jika anda memerlukan cabaran yang baru, suasana baru dan rakan kerja yang baru tiada salahnya jika itu semua menuntut anda untuk berhijrah ke tempat kerja yang baru.
    ===============================================

    LAGI TIPS BERJAYA DALAM HIDUP

    Jangan berpuashati dengan keadaan baik yang ada pada anda sekarang melainkan anda telah berusaha keras untuk menjadikan yang baik itu menjadi lebih baik.

    Teruskan belajar untuk memperbaiki hidup agar matlamat ini tercapai. Belajar tidak semestinya melalui sekolah formal atau buku-buku mahal. Kita boleh belajar dan terus belajar melalui pengalaman hidup kita sehari-harian atau melalui pengalaman orang lain.

    Bak kata pepatah, belajarlah daripada kesalahan-kesalahan orang lain kerana anda tidak akan hidup lama untuk melakukan kesalahan-kesalahan itu sendirian. Apa yang saya ingin kongsi di sini ialah hasil tulisan seorang penulis yang saya kira sangat baik untuk dikongsi bersama.

    Tulisan beliau ini berkisar tentang nasihat dalam surat kuno yang ditulis oleh Zhuge Liang (181 m-234 m) kepada anaknya. Menurut analisa penulis dari surat kuno tersebut, berikut adalah sikap-sikap yang menguatkan hidup seseorang manusia:-

    1. Tenang – Sikap tenang boleh menjernihkan fikiran dan membulatkan tindakan yang lebih tepat. Berbanding dengan orang yang tidak tenang fikirannya kusut dan ragu-ragu dalam melakukan sesuatu tindakan.

    2. Berhemat – Sikap berhemat menjamin kesinambungan hidup yang lebih teratur berbanding dengan orang yang boros. Orang yang boros selalu ditimbuni hutang atau kesusahan.

    3. Pandai Merancang – Orang yang pandai merancang kehidupan akan sentiasa meletakkan perkara penting sebagai keutamaan dalam hidup berbanding dengan orang yang tidak pandai merancang mereka selalu meletakkan perkara remeh sebagai keutamaan.

    4. Sentiasa ingin belajar – Kemampuan seseorang manusia bukan berasal dari pembawaannya sejak dilahirkan, tetapi merupakan hasil dari proses pembelajaran yang dilakukannya secara konsisten sejak dari kecil. Oleh sebab itu jangan berhenti belajar sampai bila-bilapun. Di samping itu, dalam proses pembelajaran kita setiap hari kerendahan hati amat membantu kita untuk menyerap dengan mudah semua ilmu pengetahuan yang diinginkan.

    5. Suka memberi – Dalam hidup ini kita tidak seharusnya hanya belajar menerima sesuatu dari orang lain. Kita Seharusnya belajar memberi yang terbaik kepada orang lain kerana ini akan membuatkan orang lain lebih menghargai kita.

    6. Tidak berlengah – Sifat suka menunda atau melewat-lewatkan sesuatu usaha boleh melambatkan pencapaian sesuatu matlamat. Oleh itu, kita mesti sentiasa cepat bertindak kerana waktu itu adalah amat berharga.

    7. Personaliti cemerlang – Perwatakan utuh itu adalah nadi kehormatan dan kegemilangan sesuatu bangsa. Seperti dalam pepatah orang Tionghoa, ” Waktu yang diperlukan untuk menanam dan memelihara sebatang pohon adalah 10 tahun, tapi untuk membentuk watak yang utuh untuk sesuatu bangsa memerlukan waktu paling sedikit 100 tahun.”

    8. Berpandangan jauh – Hal ini juga pernah diucapkan oleh Albert Einstein, “Imagination is everything. It is the preview of life’s coming attractions.” Imiginasi adalah segalanya.

    9. Bersedarhana – “Success is the sum of small efforts, repeated day in and day out.” – Kejayaan adalah hasil dari tindakan-tindakan sederhana yang diulang terus-menerus setiap hari. Insya’allah..

    ANDA PERLU BACA KISAH MANUSIA HEBAT INI JIKA INGIN BERJAYA

    http://beragas.files.wordpress.com/2008/09/syed-mokhtar-albukhary1.jpg

    Adakah anda kenal siapa beliau. Inilah Biilionaire Melayu yang sebenar. Nama beliau ialah Tan Sri Syed Mokhtar Al Bukhary. Walaupun saya tidak pernah jumpa dengan beliau namun semangat dan keyakinan beliau dalam sesuatu kerja memberi impak besar pada diri saya untuk jadi seperti beliau.

    Sekarang saya berusaha sedikit demi sedikit menubuhkan syarikat saya seperti mana kerja yang beliau lakukan. walaupun tidak sama tapi semangat seperti beliau mesti sama :)

    Kalau saya jumpa beliau, saya  suka berganding bahu dengan Tan Sri Syed Mokhtar Bukhary kerana kisah dia membuatkan saya bersemangat untuk menjadi seperti beliau malah berimpian untuk membina empayar terbesar satu hari nanti.

    Tujuan saya nak membina adalah untuk kepentingan orang ramai bukan untuk diri saya. Saya masih ingat 49 kata-kata hikmah dari beliau dan membuatkan saya tidak lupa tentag hidup ini dan impian saya, antara kata-katanya ialah :-

    1. Ada sebab kenapa saya bekerja seperti tiada hari esok. Agenda sosial dan kerjakerja kemasyarakatan itulah antara sebabnya. Saya mahu meninggalkan warisan untuk anak bangsa yang kekal berpanjangan.

    2. (Berkenaan know who) Bangsa lain tak mengapa tapi orang Melayu kena berdamping dengan orang politik sedikit-sedikit. Tapi masalahnya kita tidak mahu melalui kesusahan; banyak yang mahu senang dengan mendampingi orang politik semata-mata.

    3. Tiada apa-apa rahsia. Saya ini hamba Allah biasa, budak dangau macam saudara semua juga. Tuhan jadikan manusia ini sama sahaja. Proses kematangan saya yang membezakannya. Saya percaya sesiapa pun boleh menjadi apa sahaja asalkan mereka berusaha dengan tekun. Tetapi tentulah ia memakan masa. Tiada jalan singkat.

    4. Saya mengenali kekuatan dan kelemahan saya. Apa yang tidak mampu buat saya akan minta orang lain tengok-tengokkan. Saya melalui jalan yang susah tapi itulah jalan yang kekal.

    5. Kita perlu menggunakan kepakaran mereka (bangsa Cina) kerana mereka jauh lebih maju dan mahir daripada kita. Apa yang kita kurang faham kita berkongsi dengan tujuan untuk belajar dengan mereka. Apabila sudah faham baru kita boleh menjaga kepentingan kita.

    6. Saya sedih melihat sistem sekolah pondok di Kedah. Saya ada cita-cita mahu memodenkan sekolah pondok. Kita kena maju.

    7. Saya terlibat dalam perniagaan ini kerana saya tiada pilihan lain.

    8. Untuk memajukan perniagaan, memang kena banyak sabar dan kuat berusaha.

    9. Tidak ada jalan singkat. Saya belajar tentang perniagaan ini sejak kecil lagi dan saya juga biasa kena tipu.

    10. Saya pun suka kemewahan. Saya pun suka tengok dunia, ke Tokyo, New York dan London. Saya pun suka pakai baju elok. Tapi kita hendak bermewah setakat mana, hendak pakai baju banyak mana, hendak tidur dalam berapa rumah satu malam, hendak makan pun sampai larat mana?

    11. Dalam hidup ini kita sebenarnya tidak ada status; ada masa diatas, ada masa dibawah.

    12. Ketika Allah memberikan kemewahan, kita kena turun ke bawah, tengok manamana yang boleh dibantu. Allah beri rezeki melalui kita untuk kita tolong orang lain. Rezeki itu bila-bila masa dia boleh ambil balik. Jika ada orang korporat Melayu yang tidak mahu turun ke bawah mungkin kerana bayangan duit itu lebih kuat daripada yang lain.

    13. Korporat Cina turun ke bawah membantu. Orang Cina ada pelbagai persatuan. Kita tidak ada; kalau ada pun berpecah. Orang Melayu kita tidak mahu bekerjasama kerana perasaan dengki menguasai diri. Sudahlah tak mahu berusaha, apabila orang lain berusaha mereka marah.

    14. Rezeki yang ada itu sebenarnya untuk orang lain. Memang dari segi hukum pun begitu. Kita kena keluar zakat dan fitrah. Tetapi zakat fitrah banyak mana sangat. Islam agama yang adil; ia minta sedikit saja. Oleh itu, kalau ada duit yang lebih ia seharusnya dibelanjakan dengan baik.

    15. Saya tak kisah kalau saya tak buat semua ini. Saya boleh tak buat apa-apa dan balik ke Alor Star. Tetapi saya rasa hidup ini sia-sia. Orang Kedah kata kalau mati nanti mata tidak tutup rapat kerana tanggungjawab depan mata kita tidak buat. Orang lain ambil kekayaan kita, ambil hak kita dan pergunakan kita, kita masih tidak buat apa-apa !

    16. Saya ada emotional attachment kepada agama, bangsa dan ummah. Saya bukan individualistik. Diri saya tidak penting. Pangkat dan gelaran ini kepada saya tidak mustahak.

    17. Saya sedih media tonjolkan saya begini. Saya malu kerana orang Cina kaya beratus-ratus kali ganda daripada saya. Tapi saya tahu orang Melayu kalau hendak berjaya kena kerja kuat tidak kira siang malam. Kita ada kekuatan yang Tuhan beri melebihi daripada bangsa lain. Tetapi untuk maju kita perlu berusaha.

    18. Saya asal daripada tidak ada apa-apa. Apa yang saya tidak tahu saya belajar, minta tolong daripada orang. Saya tidak malu. Saya bukannya mencuri. Saya usaha sendiri. Sikap pemalas dan pemalu ini yang orang Melayu kena atasi. Kita kena berani kerana benar. Apabila kita dapat keuntungan dan rezeki lebih, bolehlah kita menolong orang.

    19. Kaya itu bukanlah kepada diri sendiri. Kaya itu adalah kepada kumpulan perniagaan ini, kepada bangsa dan kepada orang ramai. Saya hanya memegangnya untuk sementara.

    20. Saya tiada keinginan untuk menyimpan kekayaan ini untuk anak dan isteri. Duit ini tidak akan kekal. Saya percaya hanya perkara yang baik yang kita lakukakan akan kekal. Bukan duit yang akan melindungi saya nanti tapi apa yang saya lakukan sekarang.

    21. Saya perlu terus mencari peluang dan perniagaan lain supaya kita terus dapat bantu orang lain mengembangkan diri masing-masing. Saya bukan buat semua ini untuk diri saya semata-mata.

    22. Ada juga yang saya usaha tapi tak dapat dan orang tak tahu. Apa yang saya dapat itu yang jadi masalah kononnya Syed Mokhtar sapu semua. Bangsa lain memegang pelbagai kepentingan dalam ekonomi, siapa pun tak kata apa. Ini masalah orang Melayu. Di kampung orang Melayu berpecah kerana politik, di bandar berpecah kerana ini (wang).

    23. Saya percaya kalau rezeki itu Allah beri kepada saya ia bukan untuk saya tetapi untuk orang ramai juga. Orang tidak tahu banyak syarikat yang saya ada ini gagal dan tidak maju kepada saya tetapi orang tidak tahu.

    24. Banyak orang percaya bahawa dia mesti ada RM10 juta atau RM20 juta dalam tangan baru hidup boleh selamat. Ini yang menyebabkan mereka hanyut daripada menolong orang lain. Mereka lebih takutkan diri sendiri. Mereka lupa bahawa kekayaan tidak boleh membantu selama-lamanya.

    25. Orang kata saya takda duit tapi banyak hutang. Orang berniaga mana yang tak berhutang. Tapi mesti tahu bagaimana hendak meminjam dan membayarnya semula. Ada cara boleh kita buat. Tapi sebelum berhutang RM100 juta mesti sudah fikir bagaimana hendak membayarnya balik. Mesti ada tanggungjawab. Banyak orang mahu senang tapi tidak ramai yang mahu bertanggungjawab.

    26. (Perasaan setiap kali mendapat rezeki). Saya ini kata orang Kedah, lebai kodok bukan lebai pondok. Tapi saya tahu hal-hal asas. Kalau mahu saya minta terus dari Tuhan. Tuhan beri manusia akal dan fikiran. Kalau hendak pakai baju dan seluar biarlah padan dengan badan

    27. Kesenangan yang saya perolehi ini datang dengan tanggungjawab (bila pinjam bayar balik dan buat amal jariah). Kalau hendak dibandingkan dengan bangsa lain, perniagaan saya ini tidak ada apa. Tetapi walaupun sedikit tetapi yang sedikit itu ada berkatnya.

    28. Saya suka kalau nikmat sedikit yang saya dapat itu orang lain boleh berkongsi sama.

    29. Saya kadang-kadang kecewa dan sedih melihat anak orang alim yang sesetengahnya lupa diri setelah mendapat kekayaan. Saya pun sama seperti orang lain suka hendak ke luar negara tetapi kita tidak boleh lupa kubur kita dan asal usul kita. Di kampung kita mungkin ada jiran-jiran yang perlukan bantuan.

    30. ……kalau tidak mungkin saya sudah ke Haatyai dan jadi nakal. Saya manusia yang banyak buat kesilapan. Tetapi saya insaf, beristighfar dan jalan lagi. Sejak awal saya ada kesedaran mahu mengekalkan hak kita sebagai orang Melayu.

    31. Saya kata kepada diri sendiri kalau kerana itu saya terpaksa bersusah sedikit pun tidak mengapa.

    32. Kekayaan ini Tuhan beri kepada saya untuk saya menolong orang lain pula. Saya percaya kepada keberkatan rezeki. Hari ini kita tolong orang, esok lusa orang akan tolong kita pula dengan cara yang lain.

    33. Kalaupun tidak sanggup tunggu 34 tahun seperti saya berilah sedikit masa untuk faham selok belok perniagaan, Insya Allah boleh maju.

    34. Kita jangan cepat putus asa. Putus asa boleh tapi kena cepat-cepat kuatkan semula semangat untuk bangkit balik. Jangan jadikan agama hanya satu tempat untuk kita bergantung apabila kita susah. Tanggungjawab ibadah adalah tugas seharian.

    35. Lifestyle ? Saya tidak ada lifestyle yang kena masuk kelab sana dan sini. Tapi tak semestinya saya tidak boleh turun ke kelab. Orang Melayu kalau hendak ke depan mesti ada cara hidup yang fleksibel, boleh naik dan turun.

    36. Lifestyle ini sebenarnya satu penyakit. Saya biasa pakai Mercedes tapi sekarang saya pakai Proton Perdana untuk sokong kereta nasional. Kereta itu pun cukup untuk bawa saya ke mana-mana.

    37. Tiada sebab orang kenapa Melayu tidak boleh maju. Ini saya berani perang dengan sesiapa pun. Orang Melayu boleh maju. Kalau saudara jadi wartawan saudara kena tanam semangat suatu hari nanti mahu ambil alih akhbar ini. Tidak ada sebab kenapa ia tidak boleh berlaku.

    38. Kejayaan dan kelemahan orang Melayu bukan disebabkan oleh bangsa kita dan agama kita. Ia berkait dengan sikap dan cara kita berfikir. Gigih, tekun dan tidak mudah putus asa merupakan kunci kejayaan kita. Tapi perkara ini kurang wujud dalam cara orang Melayu berfikir.

    39. Tuhan memberi peluang kepada siapa saja yang bekerja kuat. Apa yang ada pada saya ini hanya usaha. Kalau anak dangau macam saya boleh, tidak ada sebab orang lain terutama mereka yang dari pekan tidak boleh.

    40. Kita tidak usahlah selalu mengulang-ulang perkara yang boleh memberikan kesan psikologi negatif kepada orang Melayu (kereta dan rumah besar). Kita kena kurangkan bercakap tentang kereta besar dan rumah besar. Sesiapa pun mahu pakai kereta mewah tapi bukan itu matlamatnya.

    41. Orang Melayu sebenarnya kena membantu diri sendiri, kena bekerja keras & fokus.

    42. Sikap merendah diri perlu sentiasa ada dalam diri seseorang walau setinggi mana pun kejayaan dicapai.

    43. Apa yang saya buat ini (kerja-kerja sosial) semuanya bermula daripada didikan orang tua saya sendiri.

    44. Saya sendiri berhutang sambil berniaga dan buat sumbangan amal jariah. Saya tak mahu tunggu hutang habis baru hendak buat semua ini. Saya takut kalau hutang habis saya pun mati dan apa pun tak sempat saya buat.

    45. Saya biasa saja. Hidup saya tidak berubah, dari dulu beginilah. Saya terima apa saja nikmat yang diberikan oleh Allah . Tidak ada segelas air, ada setengah gelas pun saya bersyukur.

    46. Kalau kerana sedikit bantuan itu mereka lulus peperiksaan dan hidup mereka menjadi lebih baik, saya sudah gembira. Saya tidak boleh buat banyak. Alhamdulillah, lebih baik buat sedikit daripada tidak buat langsung.

    47. Saya tiada minat untuk beli kapal layar atau kapal terbang. Saya fikir kalau saya beli sesuatu biarlah orang ramai boleh pakai. Saya suka kalau saya beli sesuatu yang mahal, biarlah orang ramai boleh pakai.

    48. Saya gembira dapat membantu. Saya mahu orang lain merasai (kesenangan) apa yang saya pernah rasa. Saya tahu bagaimana perasaanya. Saya kata kepada diri saya, apa yang saya dapat saya mesti beri orang lain merasainya sama. Jangan beri kurang, lebih tak mengapa. Itu yang membuat hati saya seronok.

    49. Saya rasa saya ingin menyumbang lebih daripada ini. Saya kata kepada kawan-kawan ini baru warm-up saja; kita belum berjalan lagi. Saya rasa kita terlalu banyak ketinggalan. Itulah kata-kata hikmah Tan Sri. ia membuatkan saya sedar akan kejayaan beliau :)

    Anda minat baca kisah beliau :- Latar belakang kehidupan Tan Sri Syed Mokhtar dilahirkan di Alor Setar, Kedah pada tahun 1951. Keluarganya berasal dari Hadhramaut, Yemen. Sebelum mengambil keputusan menetap di Kedah, bapanya mengembara hingga ke Asia Tengah untuk berniaga.

    Seterusnya, bapanya ke Thailand. Pada pertengahan tahun 40-an, barulah bapa Tan Sri Syed Mokhtar mengambil keputusan menetap di Alor Setar, Kedah. Pada tahun 1946, bapanya mendirikan rumah tangga. Tan Sri Syed Mokhtar mempunyai tujuh orang adik beradik dan dia adalah anak yang ketiga.

    Tan Sri Syed Mokhtar hidup dalam keadaan yang serba kekurangan hinggakan rumah kayunya yang terletak di Kampung Hutan Keriang tidak mempunyai katil, meja mahupun kerusi.

    Ini menyebabkan beliau susah hendak menelaah. Walaupun demikian, setiap yang berlaku itu pasti ada hikmahnya. Keadaan itu juga mendorong beliau supaya memulakan kelas tuisyen percuma sebagai salah satu program kebajikan di bawah Yayasan al-Bukhary yang ditubuhkannya bagi menyumbang ke arah kebajikan.

    Kini, seramai 15,000 orang pelajar mendapat faedah daripada program tuisyen itu. Pendidikan Tan Sri Syed Mokhtar memulakan persekolahannya di Alor Setar tetapi apabila beliau berusia 9 tahun, beliau dihantar tinggal bersama-sama dengan bapa saudaranya, Syed Omar di Johor Bahru. Beliau berada di situ dari darjah empat hinggalah ke tingkatan dua. Tan Sri Syed Mokhtar kemudiannya kembali ke kampung halamannya di Alor Setar dan menyambung persekolahannya hingga ke tingkatan lima di Sekolah Saint Micheal’s. Sebenarnya, Tan Sri Syed Mokhtar bukanlah orang yang berpendidikan tinggi. Beliau tidak pernah belajar hingga ke peringkat universiti. Namun, ini tidak bermakna beliau seorang yang tidak berilmu. Kebanyakan ilmunya diperoleh melalui pengalaman secara langsung apabila beliau bergiat dalam dunia perniagaan sejak kecil lagi. Membantu keluarga Disebabkan keadaan keluarganya yang kurang berkemampuan, Tan Sri Syed Mokhtar membantu ibunya menanam sayur-sayuran bagi menampung pendapatan keluarga. Mereka menjualnya di pasar di Jalan Telok Wan Jah. Beliau juga menjual roti canai di pasar yang sama. Semasa waktu rehat di sekolah pula, ayahnya akan menemuinya di sekolah dan memintanya membuat simpan kira. Selepas waktu sekolah, Tan Sri Syed Mokhtar membantu menggembala haiwan peliharaan bapanya di pusat kuarantin berdekatan dengan stesen kereta api Alor Setar. Beliau banyak menimba ilmu dan pengalaman semasa melakukan kerja-kerja itu.

    Mula berniaga Pada tahun 1970-an, perniagaan binatang ternakan bapanya mengalami kemerosotan ekoran tercetusnya wabak kaki dan mulut. Wabak itu merebak ke seluruh Selatan Thailand, Kedah dan Perlis. Semua binatang ternakannya mati begitu sahaja. Sejak itu, Tan Sri Syed Mokhtar mengambil alih perniagaan bapanya dan membuat keputusan untuk tidak lagi melibatkan diri dalam bidang penternakan. Beliau mula menjual daging secara kecil-kecilan. Sebenarnya, Beliau pergi dari pekan ke pekan di sekitar Alor Setar bagi membeli daging yang tidak terjual.

    Beliau kemudiannya membungkus daging itu bersama ais dan menjualnya kembali kepada peniaga Bumiputera dan restoran-restoran di sekitar Alor Setar. Beliau berjaya dalam perniagaan itu. Kejayaan itu menambahkan keyakinan beliau bagi memajukan diri dalam dunia perniagaan.

    Daripada perniagaan menjual daging, beliau beralih pula kepada perniagaan pengangkutan. Pada tahun 1972, beliau berjaya mendapat permit bagi empat buah lori Kelas A. Beliau mendapat bantuan pinjaman sebanyak RM110,000 daripada pihak MARA yang digunakannya bagi membeli dua buah lori Mercedes 911LS. Sebenarnya, seorang peniaga Cina menawarkan sejumlah wang bagi baki dua permit yang tidak digunakannya. Tan Sri Syed Mokhtar enggan dan menyerahkan permit itu kembali kepada MARA. Selepas membeli dua buah lori itu, Tan Sri Syed membuka syarikat pengangkutan yang dinamakan Syarikat Pengangkutan Sentosa dan melantik kerani Cina sebagai pengurus syarikatnya itu.

    Tan Sri Syed Mokhtar menggunakan lori-lorinya bagi memulakan perniagaan beras. Syarikat Kenderaan Sentosa masih wujud sehingga ke hari ini dan memiliki lebih daripada 40 buah lori. Menubuhkan syarikat Pada tahun 1974, Tan Sri Syed Mokhtar membeli rumah kedainya yang pertama di Jalan Telok Wan Jah di bawah perjanjian sewa beli dengan UDA atau Perbadanan Kemajuan Bandar. Seterusnya, pada tahun 1975, beliau menubuhkan Syarikat Shah dan memohon lesen perdagangan beras daripada Lembaga Padi Negara yang kini dikenali sebagai Bernas. Tuah ayam nampak di kaki, tuah manusia siapa yang tahu.

    Dia berjaya mendapat kontrak bagi membekalkan beras ke pihak FELDA, MARA Senama, Pernas Edar dan juga Sergam Sdn. Bhd., iaitu anak syarikat Perbadanan Kemajuan Ekonomi Negeri Johor.

    Selepas berjaya dengan Syarikat Shah, beliau menubuhkan syarikat usaha sama dengan dua orang peniaga Cina, iaitu Ng Ghiak Gee dan Chua Chong Tan. Ghiak Gee adalah pedagang beras manakala Chong Tan pula pengilang beras.

    Dalam syarikat usaha sama itu, Tan Sri Syed Mokhtar memegang 52 peratus kepentingan manakala Ghiak Gee dan Chong Tan masing-masing 32 peratus dan 16 peratus. Perniagaan usaha sama yang diberi nama Bukhary Sdn. Bhd. itu memulakan operasinya pada 15 Julai 1976, di pejabatnya di Jalan Telok Wan Jah.

    Perniagaan terus berkembang Daripada beras, beliau kemudiannya mengembangkan perniagaannya kepada komoditi lain, iaitu gula. Ini masih dijalankan sehingga ke hari ini melalui Bukhary Sdn. Bhd. Pendapatan tahunan Bukhary Sdn. Bhd. kini mencecah RM250 juta. Setahun selepas Bukhary Sdn. Bhd. memulakan operasinya, beliau menubuhkan Bukhary (KL) Sdn. Bhd. pada tahun 1977. Syarikat itu ditubuhkan khas bagi mendapatkan kontrak kerajaan yang pada masa itu banyak ditawarkan kepada usahawan Bumiputera. Operasi Bukhary (KL) Sdn. Bhd. dijalankan di rumah kedai empat tingkat di Jalan Pahang yang juga dibeli melalui perjanjian sewa beli dengan UDA. Usahanya membuahkan hasil lagi.

    Tan Sri Syed Mokhtar diberikan kontrak bagi membekalkan beras, teh, tepung coklat, tepung susu dan juga minyak sapi kepada kerajaan. Bahagian bawah pejabatnya diubah suai menjadi pusat pembungkusan.

    Apabila beliau mendapat kontrak pembekalan itu, Tan Sri Syed Mokhtar menubuhkan Susu Mas Sdn. Bhd. pada tahun 1979. Syarikat itu juga adalah syarikat usaha sama di antara dirinya yang memegang 51 peratus kepentingan dengan New Zealand Milk Products yang memegang saham selebihnya. Produk Susu Mas Sdn. Bhd. dipasarkan di bawah jenama Fernleaf dan Anchor. Pada pertengahan tahun 80-an, Tan Sri Syed Mokhtar menjual kepentingannya dalam Susu Mas Sdn. Bhd. ekoran kemelesetan ekonomi.

    Strategi tersendiri Pada tahun 1978, beliau dijemput menyertai delegasi perdagangan ke Ekso Perdagangan Canton, China. Semasa berada di China, Tan Sri Syed Mokhtar menjalankan sistem barter, iaitu menukarkan kokonya dengan teh dari China. Cuma bezanya sistem barter zaman sekarang dijalankan secara besar-besaran atau pukal. Contohnya, menukarkan 1 tan minyak sawit dengan 1 tan minyak mentah.

    Perniagaan pakaian Selepas mengembangkan perniagaannya bermula daripada bidang komoditi ke pengangkutan, pembungkusan dan barter, beliau kemudiannya melangkah kepada sektor pembuatan. Ini ekoran kejayaannya mendapat kontrak membuat pakaian seragam tentera bagi pihak Kementerian Pertahanan. Kontrak itu adalah bagi membekalkan pihak tentera dengan 120,000 pasang kasut dan 330,000 pasang pakaian seragam. Apabila berjaya mendapat kontrak itu, beliau mula mencari pembekal. Pada mulanya, beliau membeli secara terus daripada pengilang. Selepas membeli daripada pengilang, beliau kemudiannya membuat keputusan menubuhkan dua buah syarikat, iaitu Amtek Holdings bagi mengeluarkan kasut dan Oriental Garments Uniform Division bagi mengeluarkan pakaian. Oriental Garments Uniform Division adalah syarikat usaha sama dengan Oriental Garment yang berpusat di Seberang Prai. Apabila Amtek Holdings disenaraikan di Papan Kedua Bursa Saham Kuala Lumpur pada tahun 1998, beliau menggunakan wang penyenaraian yang diperolehnya bagi membeli Spark Manshop dan hak bagi mengeluarkan dan memasarkan pakaian berjenama Crocodile. Kini, anak syarikat Amtek Holdings mengeluarkan kasut tentera (Amtek Shoes) dan pakaian berjenama Lee Coopers dan Lois (Amtek Garments Sdn. Bhd.) bagi pasaran eksport. Perniagaan perkapalan Tidak cukup dengan perniagaan pakaian, beliau juga bergiat dalam perniagaan perkapalan. Beliau menubuhkan Bukhari Shipping dan mendaftarkannya dengan pihak Perbendaharaan. Bukhari Shipping bertindak sebagai broker kapal di bawah polisi CABOTAGE. Melalui Bukhari Shipping, Tan Sri Syed Mokhtar membeli sebuah kapal buatan Jerman yang berusia 28 tahun pada harga USD1 juta. Kapal yang diberi nama Angsa Mas itu digunakan bagi mengangkut beras dari Thailand ke Sabah dan Sarawak. Walau bagaimanapun, perniagaan itu mengalami kerugian yang menyebabkan beliau terpaksa menjual kapalnya pada harga USD600,000, iaitu rugi sebanyak USD400,000 (USD1 juta – USD600,000). Pada masa yang sama, beliau mula mem*sensored*tkan diri dalam sektor pembangunan hartanah. Beliau membeli beberapa bidang tanah di Alor Setar dan memulakan beberapa projek perumahan di bawah syarikat Bukhary Development. Penglibatan dalam projek penswastaan Beliau terlibat dalam projek penswastaan Johor Port Sdn. Bhd. dan Johor Tenggara Oil Palm Sdn.Bhd. Beliau membeli Johor Port melalui tender pada harga RM330 juta. Johor Tenggara Oil Palm Sdn. Bhd. pula dibelinya pada harga RM135 juta. Melalui Johor Port Sdn. Bhd., beliau menjayakan projek Pelabuhan Tanjung Pelepas. Kini, Pelabuhan Tanjung Pelepas semakin maju hingga mereka berjaya meyakinkan dua buah syarikat perkapalan antarabangsa, iaitu Maersk Sealand dari Denmark dan Evergreen Marine dari Taiwan supaya berpindah dari Pelabuhan Singapura ke Pelabuhan Tanjung Pelepas. Projek penswastaan ketiganya adalah penswastaan air yang mana beliau menubuhkan Equiventure Sdn. Bhd., iaitu syarikat usaha sama di antara syarikatnya, Kembangan Dinamik dan Pilecon Bhd. serta syarikat Perancis, Oneo. Pegangan Kembangan Dinamik dalam syarikat itu adalah sebanyak 49 peratus. Kepentingan Beliau membeli MMC Corporation, iaitu syarikat kejuruteraan pada harga RM3 sesaham daripada Permodalan Nasional Berhad (PNB). Tan Sri Syed Mokhtar juga memiliki 22.7 peratus pegangan dalam Malakoff Berhad, iaitu syarikat pembekalan elektrik dan 20 peratus pegangan dalam IJM Corporation Berhad di mana perniagaan utamanya adalah pembuatan. Selain itu, beliau memiliki 18 peratus pegangan dalam Bernas yang terlibat dalam perdagangan beras dan 32 peratus pegangan dalam Pernas International Holdings Berhad, iaitu konglomerat yang terlibat dalam banyak sektor perniagaan. Manakala 18.7 peratus pegangan dalam Fiamma Holdings Berhad, syarikat pemasaran dan pengedaran barangan elektronik serta 100 peratus kepentingan dalam MPH, iaitu syarikat peruncitan dan pengedaran buku. Objektif penubuhan Yayasan al-Bukhary Yayasan al-Bukhary ditubuhkan pada Mac 1996 sebagai badan kebajikan yang berperanan membantu golongan miskin, menyokong perkembangan seni dan budaya Islam dan juga menggalakkan persefahaman antara peradaban. Antara objektif utama Yayasan al-Bukhary adalah menggalakkan persaudaraan sesama Islam. Yayasan ini terdiri daripada dua buah bahagian. Satu bahagian menjalankan kerja-kerja kebajikan manakala satu bahagian lagi menguruskan penyaluran dana daripada setiap syarikat yang mana Tan Sri Syed Mokhtar ada kepentingan di dalamnya. Sehingga kini, Yayasan al-Bukhary membelanjakan lebih RM300 juta bagi aktiviti keagamaan, kebudayaan dan pendidikan. Selain itu juga, Yayasan al-Bukhary hanya membiayai pelajar miskin. Antara inisiatif yang dilakukan adalah membiayai pelajar Muslim miskin dari serata ASEAN supaya belajar di Malaysia. Projek-projek utama Yayasan al-Bukhary Antara projek terbesar yang sedang dijalankan adalah pembinaan Kompleks al-Bukhary yang bernilai RM400 juta di Kedah yang dijangka siap pada akhir tahun 2004. Kompleks itu kelak memainkan peranan sebagai kompleks yang lengkap dengan pelbagai kemudahan seperti masjid, pusat perubatan, pusat komuniti, rumah anak yatim, akademi khas bagi warga tua dan pusat pengajian tinggi. Antara projek besar yang disiapkan adalah Muzium Kesenian Islam Malaysia di Kuala Lumpur yang bernilai RM100 juta. Muzium empat tingkat itu adalah muzium pertama di rantau Asia Pasifik yang memaparkan hasil seni Islam. Yayasan al-Bukhary juga membina 12 buah masjid di serata negara. Sumbangan dalam bidang pendidikan Pada tahun 2000, Yayasan al-Bukhary mendermakan sejumlah RM7.75 juta kepada Oxford Centre for Islamic Studies, iaitu pusat pengajian Islam yang terkenal di serata dunia. Yayasan al-Bukhary juga kini sedang membantu Institut Pembangunan Pendidikan Maju (MIED) dalam projek bagi mengasaskan Institut Perubatan, Sains dan Teknologi Asia (AIMST) di Sungai Petani, Kedah. Selain itu, Yayasan al-Bukhary juga sering mengadakan dialog peradaban bagi menggalakkan toleransi dan persefahaman antara masyarakat berbilang agama dan kepercayaan. Penglibatan Yayasan al-Bukhary dalam projek yang dimulakan oleh bukan Islam juga terserlah. Walaupun Yayasan al-Bukhary lebih menekankan kepada projek kebajikan yang bercirikan Islam, ia tetap menyumbang kepada projek yang dijalankan oleh organisasi bukan Islam. Contohnya, Yayasan al-Bukhary menyumbang sebanyak RM satu juta bagi Projek Langkawi, iaitu projek yang dimulakan oleh MCA bagi mengumpul dana bagi menjalankan projek pendidikan di luar bandar dan juga memberi biasiswa kepada para pelajar yang kurang mampu. Tan Sri Syed adalah usahawan Bumiputera yang terkaya di Malaysia dengan kekayaan yang bernilai RM1.67 bilion. Semoga kisah Tan Sri ini di jadikan iktibar dan motivasi buat kita semua. Doakan saya agar dapat bertemu dengan Tan Sri ya kerana dari dulu lagi impian saya ini belum tertunai.. Amiiin Ya Rabb

    UNTUK BERJAYA ANDA PERLU KENAL SIAPA DIRI ANDA

    Sebelum memulakan seminar, Prof. Zahin mengeluarkan sehelai wang kertas bernilai RM100 dari dompetnya. Kemudian wang itu ditayangkan kepada 50 orang pesertanya. “Siapa nak duit ni?” tanya Prof Zahin..Semua peserta mengangkat tangan.”Saya akan berikan duit ini kepada salah seorang daripada kamu, tapi izinkan saya membuat sesuatu dahulu “. Prof Zahin meramas-ramas duit itu hingga renyuk. Kemudian dia menunjukkan duit yang sudah renyuk itu dan bertanya: “Ada sesiapa yang nak duit ini lagi?”Hampir semua pesertanya mengangkat tangan. Prof Zahin mengangguk dan mencebikkan bibir. “Okey apa kata kalau saya buat macam ni?” Duit RM100 itu dicampakkan dan di tenyeh-tenyeh dengan kasutnya..Prof Zahin memungutnya semula lalu diletakkan di atas meja. Wang kertas itu bukan sahaja renyuk tetapi juga kotor. “Sekarang siapa nak duit ni?” tanya Prof Zahin. Selesai dia bertanya, lebih separuh daripada jumlah pesertanya masih mengangkat tangan. “Okay, apa yang boleh kita kutip daripada peristiwa itu tadi?” tanya Prof Zahin lagi. Pesertanya hanya diam, dan sesetengahnya hanya menggelengkan kepala. Mereka masih tidak dapat menangkap apa yang cuba disampaikan oleh Prof Zahin. “Walau apapun yang saya lakukan pada duit ini, kamu tetap akan mahukannya. Betul tak? Kamu tahu kenapa? Kerana nilainya tidak berubah walaupun dipijak dan ditenyeh dengan kasut.””RM100 tetap RM100 walaupun 10 kali dipijak.” kata Prof Zahin. Semua peserta yang mendengar kata-katanya hanya tersenyum. Prof Zahin mengaitkan peristiwa itu dengan kehidupan seharian. Sering kali di dalam hidup,setiap orang akan merasai kejatuhan, hati hancur, ataupun dihina. Hinggakan suatu ketika kita akan merasa diri kita tidak berguna langsung. “Tetapi walau apapun yang telah terjadi, ataupun yang akan terjadi, anda tidak akan hilang harga diri. Bersih atau kotor, renyuk atau licin, anda tetap berharga terutama pada mereka yang disayangi.” “Harga diri kita bukan datang daripada apa yang kita lakukan atau siapa yang kita kenal tapi siapa sebenarya kita?” jelas Prof Zahin. Semua peserta ternganga mendengar penerangan profesor itu dan mereka lantas mengiyakan kebenaran kata-kata profesor itu… Moral: Harga diri kita bukan datang daripada apa yang kita lakukan atau siapa yang kita kenal tapi siapa sebenarya diri kita. Kita sendiri yang menilai diri kita… dan itulah nilainya.

    TIPS MENJADI USAHWAN INTERNET BERJAYA

    7 Petua Usahawan Berjaya

    Nak tahu petua kejayaan kebanyakan usahawan yang telah berjaya di dalam perniagaan internet? Klik link berikut:

    1. Rajin-rajinlah belajar samada membaca dan mengkaji

    2. Gunakan sepenuhnya enjin carian seperti google untuk menjawab persoalan tertentu seperti masalah teknikal

    3. Jangan hanya tunggu ‘disuap’. Jangan malas!

    4. Survive. Anda perlu lalui masalah tanpa bantuan orang lain sepenuhnya. Buangkan sifat hendak mudah! Saya jika membantu seseorang, saya hanya tunjuk jalan, sebaliknya tidak akan bantu dia buat sepenuhnya. Please, survive! Mengapa? Orang yang membantu anda tidak akan selamanya bersama dengan anda. Maka di saat keseorangan, sifat survive yang anda miliki akan membantu diri anda. Setuju? Fahamilah, orang lain hanya memberikan jalan, kita yang perlu berusaha.

    5. Bertindak dengan dorongan diri sendiri. Jangan tunggu orang lain ‘push’ baru nak buat

    6. Usahawan yang berjaya, rata-ratanya sentiasa meningkatkan pengetahuan mereka. Jika mereka diajar A, mereka akan tambah lagi pengetahuan dan pemahaman mengenai perkara A itu.

    7. Mereka tidak kenal jalan singkat.

    Yang mereka tahu adalah : KESABARAN Sekali lagi saya ulangi, “orang lain hanya menunjukkan jalan, dan andalah yang mesti melaluinya. Sudah mesti seorang diri, tetapi bawalah kesabaran, kesedaran dan kesungguhan di dalam perjalanan itu.

    InsyaAllah, anda akan sampai ke destinasi yang dituju dengan jayanya. ketahuilah juga, nikmat sebenar adalah bukan pada hasilnya, tapi apa yang anda lalui. Kerana, semasa perjalanan itulah banyak pelajaran yang akan anda perolehi, itupun jika anda sabar dan mahu mengambil pelajaran. ;) “Tidak mudah nak mudah, jangan mudah nak mudah, tak senang nak senang..”. Semoga berjaya!

    TIPS UNTUK UNTUK BERJAYA 1

    30 Keys to Change YOUR Destiny AND TO MOTIVATE yourself to SUCCESS AND BECOME MILLIONAIRE

    1. Now Is Always The Time To: STEP OUT OF THE RUSH AND INTO YOUR OWN LIFE Special Insight: Dare to slow down. Just do it. Here’s help. See that even at a million miles an hour, anxious thoughts and feelings still take you no-where. If you want to find what is timeless, dare to live as though you have all the time in the world. Go ahead. Step out of the rush. Step out Now.

    2. Now Is Always The Time To: TAKE RESPONSIBILITY FOR YOUR LIFE EXPERIENCE Special Insight: The way you feel toward what you meet in life is a direct expression of who you are. And who you are is exactly the same as what you secretly value. Being willing to see you feel the way you do, because you treasure what you do, is what it means to take responsibility for your life.

    3. Now Is Always The Time To: REFUSE TO BE SELF COMPROMISING Special Insight: Drop any thought or action that creates conflict in the present moment for the promise of a better feeling to come. Your True Nature is Now. There is no later. You can’t be divided and be content. Choose to be whole. Begin by consciously refusing to compromise yourself.

    4. Now Is Always The Time To: REMEMBER YOURE NOT THE ONLY ONE IN THE WORLD Special Insight: It may feel like it, but you’re not the only one who suffers! That’s why you mustn’t be afraid to take a good look at — and really consider — another human being. This will help you be less wrongly concerned with the way you feel about yourself — which will come as welcome relief. Remember, you’re not the only one in the world.

    5. Now Is Always The Time To: GO BEYOND THE BEST THAT YOU THINK YOU CAN Special Insight: Anybody can do what everybody else does — which is usually the minimum to get the maximum. You do more. Take the step you’re sure you can’t. You’ll discover that the “you” who could not is only a thought that believes it can not. See this. Then get going beyond yourself.

    6. Now Is Always The Time To: REALIZE THERES NO GAIN IN BLAME Special Insight: When your feet ache because your shoes are too tight, you don’t complain that someone else made you put them on. So why blame another when it’s your feelings that are hurting you? If wearing painful emotions means you have to bear their pressure, then dare to drop them. You’ll feel better. There’s no gain, only pain, in blame.

    7. Now Is Always The Time To: HAVE A LIGHT SPIRIT Special Insight: The heart tends to feel heavy when the mind says things aren’t the way they ought to be. But your True Nature is neither thought nor emotion. You are Spirit. And your Spirit is always Light Hearted. It knows better than to look for, or find, Itself in a dark thought. Look at life through its eyes. Be Light Spirited.

    8. Now Is Always The Time To: STEP DOWN AS JUDGE Special Insight: The easiest thing in the world is to walk around unconsciously feeling superior to everyone you meet. But with what do you measure? A critical spirit? A judgmental mind? What kind of eyes have to look down on another to convince themselves of up? Step down as judge.

    9. Now Is Always The Time To: FACE THOSE FEARFUL FEELINGS Special Insight: There is really no such thing as a shaky situation, so any time you start to tremble, don’t look around you for the fault: Look inward. It’s the inner-ground you’re standing on that isn’t solid. Any weakness faced by looking in this new direction becomes the foundation of a new strength. Face those fearful feelings. Fearlessness follows.

    10. Now Is Always The Time To: HELP SOMEONE ELSE GO HIGHER Special Insight: There’s no such thing as a separate self, so anything you do to encourage another person to do better, or go farther, is the same as helping yourself go higher. So, give yourself a lift up. Try a little kindness even if you’re not feeling that way at the moment. Then you will. Help someone else go Higher. 11. Now Is Always The Time To: RELEASE ALL RESENTMENTS Special Insight: It’s very important for you to see that holding on to some hurt, or hatred, over what others may have done to you in the past, makes you their slave in the here and Now. Is that what you want? Learn to ask for something new by refusing to relive what’s been tearing at you. This Higher request releases you from raging resentments.

    12. Now Is Always The Time To: DO WHAT IS TRUE REGARDLESS OF THE CONSEQUENCES Special Insight: Choosing what’s true in spite of fearing what that choice may cost you, is the same as giving yourself a fearless life. Here’s why: Nothing you’re afraid of losing can ever be the source of your fearlessness. Do what’s true regardless of the consequences. All you can lose is fear.

    13. Now Is Always The Time To: LET THE EMPTY SPACE FILL ITSELF Special Insight: Nothing you’ve ever done has filled the emptiness you feel inside, so stop giving yourself empty things to do. Leave the space empty. This allows it to fill itself — which it wants to do — with something you can’t give yourself: The end of feeling empty. Stay out of it. Don’t fill the emptiness. Let the empty space fill itself.

    14. Now Is Always The Time To: STOP EXPLAINING YOURSELF TO OTHERS Special Insight: The only difference between the need to endlessly explain your life to others — and feeling as though you have to excuse yourself for being alive — is that while you’re explaining yourself, at least it feels like you have a good reason for being excused. You’re not required to explain yourself to anyone. Stop Now.

    15. Now Is Always The Time To: LAUGH IN THE FACE OF DEFEAT Special Insight: It is a fact: Defeat is nothing but a bad memory. And no memory has any real life of its own. This means that the only time you have to feel the pain of any defeat is if you ask for it — by going into troubled thought about some painful past loss. You can have the last laugh on defeat. Stay in the Present Moment. Learn to laugh Now.

    16. Now Is Always The Time To: FOLLOW WHAT YOU LOVE Special Insight: Put what you love first. The rest of your life will take care of itself because Love always finds a way. Love never considers fear. And with Love as your guide, your success in life is assured since Its Nature is already the perfect prize. Follow what you love. You’re sure to find a happy heart.

    17. Now Is Always The Time To: Start Your Life All Over Special Insight: Any time you choose, you can start your whole life over. And you can have just as many new beginnings as you’re willing to leave behind you all of your ideas about yourself. That’s what it means to start all over. Life can only be as new as you choose to be. Wake up. Start your life over Now.

    18. Now Is Always The Time To: KEEP YOUR CHIN UP Special Insight: Even if all of your thoughts are going that way, tell your chin not to fall down. As it obeys, it gives a message to your head: Hold yourself up high! And so your head helps your eyes to keep looking forward, where they can at last see that your thoughts are often blind. Keep your chin up. Consciousness likes heights. Dare to follow!

    19. Now Is Always The Time To: LET IT GO Special Insight: You’ve been trying to run your own show and, so far, it’s pretty much been just a nightmare with entertaining intermissions! Let something Higher have Its hand at directing your life. Let your show go. Then watch for a happy ending coming soon.

    20. Now Is Always The Time To: STOP LOOKING OUTSIDE OF YOURSELF Special Insight: Your Life is only as complete as you are. No more, no less. Looking to relationships, your work, or even happy events for a feeling of self wholeness is like trying to put a smile on your face in the mirror — while you’re still frowning. Being complete is first an Understanding, and then a feeling. Stop looking outside of yourself. Seek the understanding. Seek it within. The feeling will follow.

    21. Now Is Always The Time To: HAVE YOUR OWN LIFE Special Insight: There is no pleasing the fear you may displease others. Allowing what others may feel about what you want … to change the way you feel about that same want … is like believing someone else can put on your sweater, and that you’ll feel the warmth! The only real pleasure comes from knowing that you have your own life. Take you life back Now.

    22. Now Is Always The Time To: PUT YOUR LIFE IN PERFECT ORDER Special Insight: Without the raindrop, there is no ocean. The river runs to the sea because each stream finds, and fills, its course. There is an Order, it’s clear: From the small is born the Mighty, and the small is small no more. Remember each day of your life, there’s already an Order. Let go into its flow. And there you’ll find you’re small no more.

    23. Now Is Always The Time To: JUMP INTO THE BATTLE Special Insight: True strength is the flower of Wisdom, but Its seed is action. To learn, you must jump into the battle. Fear not. You can’t be hurt in this fight. Here’s why. Any weakness voluntarily met is the same as greeting a greater strength. Never let a fearful thought keep you from this New Strength. Enter the battle Now!

    24. Now Is Always The Time To: DISCOVER THE DIFFERENCE BETWEEN YOUR HEAD AND YOUR HEART Special Insight: You can’t think yourself into happiness, but you can sink yourself with a single dark thought. Right, bright emotions spring from the heart. Heavy feelings can’t exist without the presence of negative thoughts. This means sad states are just a trick of the mind! To see through any state of sadness, see the difference between the head and the heart.

    25. Now Is Always The Time To: LOOK UP! Special Insight: A lamp without a light is as useless as a bottomless bucket. So too is this life empty without a sense of the Sacred. The Celestial is always present. Why wait until you feel down before you think to look up? You can always glimpse the Higher, but you have to remind yourself to look in the right direction. Look up! Look Now. 26. Now Is Always The Time To: GET ONE THING DONE Special Insight: Never mind how much there is to do. Or how hard some task appears to be. Get one thing done! Then, take that step again. Consciously brush aside any other concerns. Do what’s in your power. Refuse to deal with what’s not. The most beautiful tapestry in the world begins and ends with one of ten thousand individual threads.

    27. Now Is Always The Time To: GO QUIET Special Insight: The frantic search for any answer only delivers answers on the same frantic level. Don’t be afraid to go quiet. It’s OK to not know. Knowing that you don’t know what to do puts you where you need to be to learn. Just as you can see farther on a clear day, new understanding flowers in a quiet mind. Go quiet Now.

    28. Now Is Always The Time To: SEPARATE THE FACT FROM THE FEAR Special Insight: The fact of any problem, and the fearful feeling about it, are separate issues appearing as one. They merge only in a thought telling you one can’t exist without the other; which is like thinking you can’t feel a chill without having the plague. The fear you feel over any situation is the same as your demands upon it. Separate facts from fears Now.

    29. Now Is Always The Time To: CATCH YOURSELF IN THE ACT Special Insight: The problem with acting out any role is that your life can’t be both a show and be real. Wanting and winning the attention of others with a performance of any kind doesn’t make the performer real, any more than smiling at yourself in the mirror makes you loving. Life is only Real when you are. Catch yourself in the act. Then just drop it.

    30. Now Is Always The Time To: KNOW THAT THE TIME IS ALWAYS NOW Special Insight: You can’t change the kind of person you are later. There is no later. It’s always now or never. You can’t be kind later. And you can’t learn later. But even when you can’t succeed with starting your life over, keep this one Truth in mind: You can always start over again. The time to change your destiny is Now! “Watch your thoughts, for they become words. Watch your words, for they become actions. Watch your actions, for they become habits. Watch your habits, for they become character. Watch your character, for it becomes your destiny.”

    TIPS UNTUK BERJAYA 2

    SOALAN YANG ANDA PERLU TANYA UNTUK JADI INSAN LUAR BIASA

    Anthony Robbins pernah mengatakan dalam salah satu bukunya bahwa berpikir sebetulnya adalah proses bertanya dan menjawab pertanyaan-pertanyaan. Beliau kemudian menambahkan bahwa orang-orang yang sukses adalah mereka yang selalu bertanya pada dirinya sendiri. Berikut adalah 101 pertanyaan untuk membuat hidup anda luar biasa :

    1. Apa yang saya inginkan?

    2. Untuk hal-hal apa saja saya berterima kasih?

    3. Apakah yang hilang dalam hidup saya?

    4. Apakah saya melihat hal-hal baru di dunia ini setiap hari?

    5. Apakah saya menyediakan sedikit waktu untuk mendengarkan orang lain?

    6. Apakah saya cukup bersenang-senang?

    7. Bagaimana saya menjadikan hidup ini lebih ceria?

    8. Apa yang saya inginkan lebih dalam hidup?

    9. Apa yang tidak terlalu saya inginkan dalam hidup?

    10. Apakah saya selalu mencari peluang-peluang?

    11. Apakah saya menangkap peluang-peluang yang ada?

    12. Apakah saya mempunyai pikiran yang terbuka?

    13. Apakah saya cukup fleksibel?

    14. Apakah saya cepat menghakimi orang lain?

    15. Apakah saya selalu memperhitungkan resiko?

    16. Apakah saya tulus memuji orang lain?

    17. Apakah saya menghargai apa yang orang lain lakukan untuk saya?

    18. Ke tempat mana sajakah saya ingin pergi?

    19. Siapa sajakah orang yang ingin saya jumpai?

    20. Petualangan apa sajakah yang ingin saya ikuti?

    21. Apakah saya peduli dengan apa yang orang lain pikirkan tentang saya?

    22. Apakah saya cepat tersinggung?

    23. Apakah yang membuat saya bahagia?

    24. Adakah hal yang saya tunda?

    25. Apakah saya selalu memikirkan diri sendiri?

    26. Apakah saya suka menyimpan dendam?

    27. Apakah saya selalu mengingat-ngingat masa lalu?

    28. Apakah saya membiarkan pikiran negatif orang lain mempengaruhi saya?

    29. Apakah saya bisa memaafkan diri sendiri?

    30. Apakah saya cukup sering tersenyum?

    31. Apakah saya cukup sering tertawa?

    32. Apakah saya mengelilingi diri saya dengan orang-orang positif?

    33. Apakah saya orang yang positif?

    34. Apakah saya menyediakan cukup waktu untuk merawat diri?

    35. Apakah ambisi rahasia saya?

    36. Apakah yang ingin orang-orang ingat tentang saya di akhir hidup nanti?

    37. Apakah arti sukses untuk saya?

    38. Bagaimana saya dapat memberi arti bagi hidup orang lain?

    39. Bagaimana saya dapat melayani sesama?

    40. Hal apakah yang dapat saya lakukan lebih baik dibandingkan orang lain?

    41. Apakah 3 kekuatan terbesar saya?

    42. Apakah saya bergerak menuju ke pencapaian mimpi-mimpi saya?

    43. Apakah saya menceritakan pada orang lain apa yang sungguh-sungguh saya inginkan dalam hidup?

    44. Seperti apakah rupa hari yang indah menurut saya?

    45. Ingin seperti apakah anda 1 tahun lagi? 5 tahun lagi? 10 tahun lagi? 20 tahun lagi?

    46. Seperti apakah bentuk lingkungan untuk hidup yang baik menurut saya?

    47. Apakah yang ingin saya perbuat jika saya tidak mempunyai rasa takut?

    48. Apakah yang ingin saya perbuat jika uang bukanlah hal yang penting?

    49. Alasan-alasan apa sajakah yang sering saya ucapkan?

    50. Apakah saya menikmati apa yang saya lakukan sehari-hari? 51. Apakah saya berada di jalan yang benar?

    52. Apakah saya meyayangi diri sendiri?

    53. Apakah saya baik pada orang lain?

    54. Apakah saya mengambil sesuatu tanpa imbalan?

    55. Apakah saya sedang melakukan hal yang paling penting saat ini?

    56. Apakah ada hal-hal dalam hidup yang perlu saya beri perhatian lebih?

    57. Apakah saya sudah menggunakan waktu saya dengan sebaik-baiknya?

    58. Apakah yang bisa saya lakukan saat ini yang dapat membuat perbedaan terbesar dalam hidup?

    59. Apakah yang sedang saya hindari?

    60. Hal-hal apa sajakah yang saya bisa bertoleransi?

    61. Apakah saya membuat tujuan-tujuan yang jelas dengan batas waktu pencapaiannya?

    62. Apakah saya memegang janji-janji yang telah saya buat pada diri sendiri?

    63. Apakah saya memegang janji-janji yang telah saya buat pada orang lain?

    64. Jika saya ingin kehidupan saya sempurna, apakah yang harus saya rubah?

    65. Apakah yang sedang saya cari sungguh-sungguh saat ini?

    66. Bagaimana saya membuat hidup saya lebih sederhana?

    67. Kegiatan apa saja yang saya lakukan tetapi saya tidak menikmatinya? Apakah kegiatan tersebut sungguh-sungguh harus dilakukan? Dapatkan saya mendelegasikannya atau membayar orang lain untuk melakukan itu?

    68. Apakah saya melihat diri saya sebagai seorang yang cukup kreatif?

    69. Apakah saya membiarkan diri saya untuk menjadi orang yang kreatif?

    70. Dapatkah saya menjadi seseorang yang spontan?

    71. Apakah saya terlalu kritis pada diri sendiri?

    72. Apakah saya terlalu kritis pada orang lain?

    73. Apakah saya dapat melihat permasalahan dari sudut pandang yang berbeda?

    74. Hal-hal apa sajakah yang telah saya selesaikan?

    75. Hal-hal apa sajakah yang menjadi sumber stress dalam hidup?

    76. Bagaimana saya dapat mengurangi stress dalam hidup?

    77. Kemana sajakah uang saya dipergunakan?

    78. Bisakah saya mengelola keuangan saya?

    79. Punyakah saya rencana keuangan untuk masa depan?

    80. Untuk apa sajakah waktu saya dipergunakan?

    81. Sudahkah saya membuat sistim pengelolaan waktu yang efisien?

    82. Apakah 3 prioritas terbesar saya dalam hidup?

    83. Siapakah orang terpenting dalam hidup saya?

    84. Siapakah yang mencintai saya?

    85. Siapakah yang peduli kepada saya?

    86. Untuk siapakah anda bekerja keras?

    87. Apakah tempat tinggal dan lingkungan kerja saya telah diatur sedemikian rupa sehingga memberi kenyamanan pada saya?

    88. Apakah saya mempunyai pola hidup yang sehat?

    89. Apakah saya sering terbawa emosi?

    90. Apakah saya dapat melupakan kesalahan-kesalahan yang telah saya buat di masa lalu?

    91. Apakah saya mengijinkan diri saya untuk melakukan kegagalan?

    92. Apakah saya mempelajari kegagalan-kegagalan saya?

    93. Apakah saya cepat menanggapi ketika sesuatu berjalan tidak semestinya?

    94. Apakah keyakinan-keyakinan saya telah bekerja dengan baik?

    95. Apakah saya melonggarkan aturan-aturan yang telah saya buat untuk diri sendiri dan orang lain?

    96. Apakah impian masa kecil saya yang terlupakan?

    97. Siapa sajakah idola/tokoh yang saya tiru?

    98. Apakah saya asli? Apakah saya menjadi diri saya sendiri atau sedang mencoba menjadi seseorang yang lain?

    99. Bagaimana jika …?

    100. Mengapa tidak …?

    101. Bagaimana saya dapat …?

    TIPS UNTUK BERJAYA 3

    KATA-KATA MUTIARA UNTUK BERJAYA / SUCCESS QUOTES

    Top Success Quotes“The person who gets the farthest is generally the one who is willing to do and dare. The sure-thing boat never gets far from shore.” -Dale Carnegie “Most successful men have not achieved their distinction by having some new talent or opportunity presented to them. They have developed the opportunity that was at hand.” – Bruce Barton “Would you like me to give you a formula for success? It’s quite simple, really. Double your rate of failure. You are thinking of failure as the enemy of success. But it isn’t at all. You can be discouraged by failure or you can learn from it, So go ahead and make mistakes. Make all you can. Because remember that?s where you will find success.” - Thomas J. Watson “The successful always has a number of projects planned, to which he looks forward. Anyone of them could change the course of his life overnight.” -Mark Caine ?There are three ingredients in the good life: learning, earning and yearning.” - Christopher Morley ?There are three ingredients in the good life: learning, earning and yearning.” - Christopher Morley “When a man feels throbbing within him the power to do what he undertakes as well as it can possibly be done, this is happiness, this is success.” Orison Swett Marden Pity the man who inherits a million and isn’t a millionaire.Here’s what would be pitiful,if your income grew and you didn’t. “The great successful men of the world have used their imagination?they think ahead and create their mental picture in all its details, filling in here, adding a little there, altering this a bit and that a bit, but steadily building – steadily building.” Robert Collier “Success doesn’t come to you?you go to it.”Marva Collins “The difference between a successful person and others is not a lack of strength, not a lack of knowledge, but rather in a lack of will.” Vincent T. Lombardi “Success is a journey, not a destination.” Ben Sweetland If you care at all,you’ll get some results.If you care enough, you’ll get incredible results. “The difference between failure and success is doing a thing nearly right and doing a thing exactly right.” Edward Simmons
    “Desire is the key to motivation, but it’s the determination and commitment to an unrelenting pursuit of your goal – a commitment to excellence – that will enable you to attain the success you seek.” Mario Andretti – race car driver“No one ever attains very eminent success by simply doing what is required of him; it is the amount and excellence of what is over and above the required that determines the greatness of ultimate distinction.” Charles Kendall Adams “The secret of success in life is for a man to be ready for his opportunity when it comes.” Benjamin Disraeli The most practical, beautiful, workable philosophy in the world won’t work – if you won’t. “I believe the greater the handicap, the greater the triumph.” John H. Johnson Unless you change how you are,you will always have what you’ve got. “My list of ingredients for success is divided into four basic groups: Inward, Outward, Upward and Onward.” David Thomas “A stumble may prevent a fall.” English Proverb Success is not so much what we have as it is what we are. “God gives every bird a worm, but he does not throw it into the nest.” Swedish Proverb “Possession of the ball is the key to winning in football, basketball, and the game of life.” Laing Burns, Jr. “Success is not permanent. The same is also true of failure.” Dell Crossword “Success often comes to those who have the aptitude to see way down the road.” Laing Burns, Jr. “There’s no limit to what a man can achieve, if he doesn’t care who gets the credit.” Laing Burns, Jr. “Truth, self control, asceticism, generosity, non-injury, constancy in virtue ? these are the means of success, not caste or family.” Mahabharata We can have more than we’ve got because we can become more than we are. “Every one of us, unconsciously, works out a personal philosophy of life, by which we are guided, inspired, and corrected, as time goes on. It is this philosophy by which we measure out our days, and by which we advertise to all about us the man, or woman, that we are. . . . It takes but a brief time to scent the life philosophy of anyone. It is defined in the conversation, in the look of the eye, and in the general mien of the person. It has no hiding place. It’s like the perfume of the flower ? unseen, but known almost instantly. It is the possession of the successful, and the happy. And it can be greatly embellished by the absorption of ideas and experiences of the useful of this earth.” George Matthew Adams It is easy to get to the top after you get through the crowd at the bottom . “Unless you’re willing to have a go, fail miserably, and have another go, success won’t happen.” Phillip Adams The greatest form of maturity is at harvest time.That is when we must learn how to reap without complaint if the amounts are small and how to to reap without apology if the amounts are big. “Failure seems to be regarded as the one unpardonable crime, success as the all-redeeming virtue, the acquisition of wealth as the single worthy aim of life. The hair-raising revelations of skullduggery and grand-scale thievery merely incite others to surpass by yet bolder outrages and more corrupt combinations.” Charles Francis Adams II “Few men have the natural strength to honour a friend’s success without envy.” Aeschylus “When a man is willing and eager, the gods join in.” Aeschylus “Health, happiness and success depend upon the fighting spirit of each person. The big thing is not what happens to us in life – but what we do about what happens to us.” George Allen “My success has allowed me to strike out with a higher class of women.” Woody Allen “Seventy percent of success in life is showing up.” Woody Allen “He who is silent is forgotten; he who does not advance falls back; he who stops is overwhelmed; out distanced, crushed; he who ceases t grow becomes smaller; he who leaves off, gives up; the condition of standing still is the beginning of the end.” Henri Fr?d?ric Amiel “Asked what his secret was for lasting so long and being so successful as the president of Yale University, Dr. James R. Angell explained: “Grow antennae, not horns.” Dr. James Rowland Angell “A most important key to successful leadership is your ability to direct and challenge the very best that is in those whom you lead.” Anonymous Success is not a destination, it’s a journey. “A successful man continues to look for work after he has found a job.” Anonymous “Act as though it is impossible to fail.” Anonymous “Act as though it is impossible to fail.” Anonymous “An Unfailing Success Plan: At each day?s end write down the six most important things to do tomorrow; number them in order of importance, and then do them.” Anonymous “As you climb the ladder of success, check occasionally to make sure it is leaning against the right wall.” Anonymous “Be self-reliant and your success is assured.” Anonymous “Choice, not circumstances, determines your success.” Anonymous “Confidence is the companion of success.” Anonymous My goal is to translate response into results.Some teachers teach for others to learn.That’s not me.Some teachers teach for others to accomplish.That is me. “Everybody’s a self-made man; but only the successful ones are ever willing to admit it.” Anonymous “Find a meaningful need and fill it better than anyone else.” Anonymous “He who does not tire, tires adversity.” Anonymous The most important question to ask on the job is not “what am I getting?” The most important question to ask is “What am I becoming?” “If at first you do succeed try not to look too surprised.” Anonymous “If you would live your life with ease; do what you ought, not what you please.” Anonymous Motivation is the fuel, necessary to keep the human engine running. “In order to succeed, you must first be willing to fail.” Anonymous “It is wise to keep in mind that no success or failure is necessarily final.” Anonymous “Life’s real failure is when you do not realize how close you were to success when you gave up.” Anonymous “Many a man owes his success to his first wife, and his second wife to his success.” Anonymous “No one can change another person?s beliefs. But you can be accepting of his beliefs and then slowly build an influence for the other person to change himself.” Anonymous “Persistence gives confidence and continued right mental attitude followed by consistent action will bring success. When you have that knowing inside of you, fear has vanished and the obstruction to a life of all good removed.” Anonymous “So far the only successful substitute for brains is silence.” Anonymous “Success always occurs in private and failure in full public view.” Anonymous “Success comes before work only in the dictionary.” Anonymous The real oppurtunity for success lies within the person and not in the job . “Success does not come to those who wait . . . and it does not wait for anyone to come to it.” Anonymous “Success in our calling is the result of a person?s love of and belief in the work he has undertaken. Earnest and conscientious labor often accomplishes more in the end than brilliant genius.” Anonymous “Success is not access to excess.” Anonymous “Success is simply a matter of luck. Ask any failure.” Anonymous Life is a unique combination of “want to”and”how to”and we need to give equal attention to both. “Success is still the constant application of the Golden Rule.” Anonymous “Success: willing to do what the average person is not willing to do.” Anonymous Take Time: Take time to think- It is the source of all power. Take time to read- It is the fountain of wisdom. Take time to play- It is the source of perpetual youth. Take time to be quiet- It is the opportunity to seek God. Take time to be aware- It is the opportunity to help others. Take time to love and be loved- It is God?s greatest gift. Take time to laugh- It is the music of the soul. Take time to be friendly- It is the road to happiness. Take time to dream- It is what the future is made of. Take time to pray- It is the greatest power on earth. Take time to give- It is too short a day to be selfish. Take time to work- It is the price of success. There is a time for everything. . . .[Ecclesiastes 3:1-8]Bible “The key to happiness is having dreams. The key to success is making your dreams?come true.”Anonymous “The Lord gives us a plan to follow. It is outlined in His commandments. And all those commandments are designed to build stability within us. We are not to excuse our failures and weaknesses: We are not to say we are made the way we are, And thereby justify our sins. The Lord expects us to rise above our weakness, become strong, and pattern ourselves after Him.Anonymous Discipline yourself to do the things you need to do the things you need to do when you need to them,and the day will come when you will be able to do the things you want to do them! “The two hardest things to handle in life are failure & success.”Anonymous Life asks us to make measurable progress in a reasonable time.That’s why they make those fourth grade chair so small. “To enter heaven, a man must take it with him.”Anonymous “Two rules of success in life: 1. Don’t tell people everything you know.”Anonymous “What am I willing to sacrifice for what I want to become?”Anonymous “Yesterday’s failures are today’s seeds That must be diligently planted to be able to abundantly harvest Tomorrow’s success.”Anonymous “Yielding is sometimes the best way of succeeding.”Anonymous “You cannot sit on the road to success for if you do, you will get run over.”Anonymous “You have achieved success if you have lived well, laughed often and loved much.”Anonymous “The worst bankrupt in the world is the man who has lost his enthusiasm. Let a man lose everything else in the world but his enthusiasm and he will come through again to success.”H.W. Arnold Part of success is preparation on purpose. “One important key to success is self-confidence. An important key to self-confidence is preparation.”Arthur Ashe “The penalty for success is to be bored by the people who used to snub you.”Lady Nancy Astor What you get by reaching your destination is not nearly as important as what you will become by reaching your destination. “It is a shameful thing for the soul to faint while the body still perseveres.” Marcus Aurelius Antonimus “One of the commonest mistakes and one of the costliest is thinking that success is due to some genius, some magic ? something or other which we do not possess. Success is generally due to holding on, and failure to letting go. You decide to learn a language, study music, take a course of reading, train yourself physically. Will it be success or failure? It depends upon how much pluck and perseverance that word ?decide? contains. The decision that nothing can overrule, the grip that nothing can detach will bring success. Remember the Chinese proverb, ?With time and patience, the mulberry leaf becomes satin.” Maltbie Davenport Babcock “Keep in mind that neither success nor failure is ever final.”Roger Ward Babson “I was made to work. If you are equally industrious, you will be equally successful.” Johann Sebastian Bach “Whatever task you undertake, do it with all your heart and soul. Always be courteous, never be discouraged. Beware of him who promises something for nothing. Do not blame anybody for your mistakes and failures. Do not look for approval except the consciousness of doing your best.”Bernard Mannes baruch “If there is any one axiom that I have tried to live up to in trying to become successful in business, it is the fact that I have tried to surround myself with associates that know more about business than I do. This policy has always been very successful and is still working for me.”Monte L. Bean “The most successful men in the end are those whose success is the result of steady accretion. . . It is the man who carefully advances step by step, with his mind becoming wider and wider ? and progressively better able to grasp any theme or situation ? persevering in what he knows to be practical, and concentrating his thought upon it, who is bound to succeed in the greatest degree.”Alexander Graham Bell “Happy the man who, like Ulysses, has made a fine voyage, or has won the Golden Fleece, and then returns, experienced and?knowledgeable, to spend the rest of his life among his family!” Joachim Du Bellay “Companies which get misled by their own success are sure to be blind sided.”Warren G. Bennis “You must not allow yourselves to become discouraged. Missionary work brings joy, optimism, and happiness. Don’t give Satan an opportunity to discourage you. Here again, work is the answer. The Lord has given us a key by which we can overcome discouragement: “Come unto me, all ye that labor and are heavy laden, and I will give you rest. Take my yoke upon you, and learn of me; for I am meek and lowly in heart; and ye shall find rest unto your souls. For my yoke is easy and my burden is light.” (Matthew 11:28-30.)”Ezra Taft Benson “The toughest thing about success is that you’ve got to keep on being a success. Talent is only a starting point in business. You’ve got to keep working that talent.”Irving Berlin Motivating gets you going and habit gets you there . Make motivating a habit and you will get there more quickly and have more fun on the trip. “Success is often the result of taking a misstep in the right direction.”Al Bernstein “Meet success like a gentleman and disaster like a man.” Frederick Edwin Smith, Lord Birkenhead “If at first you don?t succeed, think how many people you?ve made happy.”H. Duane Black “The victory o? success is half won when one gains the habit of work.”Sarah Knowles Bolton “Don’t confuse fame with success. Madonna is one; Helen Keller is the other.”Erma Bombeck “Successful men are influenced by desire for pleasing results. Failures are influenced by desire for pleasing methods.” Frank E. Brennan “Success is a state of mind. If you want success, start thinking of yourself as a success.” Dr. Joyce Brothers To respond is positive, to react is negative. “1. Marry the right person. This one decision will determine 90% of your happiness or misery. 2. Work at something you enjoy and that’s worthy of your time and talent. 3. Give people more than they expect and do it cheerfully. 4. Become the most positive and enthusiastic person you know. 5. Be forgiving of yourself and others. 6. Be generous. 7. Have a grateful heart. 8. Persistence, persistence, persistence. 9. Discipline yourself to save money on even the most modest salary. 10. Treat everyone you meet like you want to be treated. 11. Commit yourself to constant improvement. 12. Commit yourself to quality. 13. Understand that happiness is not based on possessions, power or prestige, but on relationship with people you love and respect. 14. Be loyal. 15. Be honest. 16. Be a self-starter. 17. Be decisive even it it means you’ll sometimes be wrong. 18. Stop blaming others. Take responsibility for every area of your life. 19. Be bold and courageous. When you look back on your life, you’ll regret the things you didn’t do more than the ones you did. 20. Take good care of those you love. 21. Don’t do anything that wouldn’t make your Mom proud.”H. Jackson Brown Jr. “Men are failures, not because they are stupid, but because they are not sufficiently impassioned.”Struther Burt “Experience shows that success is due less to ability than to zeal. The winner is he who gives himself to his work, body and soul.”Sir Thomas Fowell Buxton Success is the study of the Obvious.Everyone should take Obvious 1 and Obvious 2 in school. “The road to success is not to be run upon by seven-leagued boots. Step by step, little by little, bit by bit?that is the way to wealth, that is the way to wisdom, that is the way to glory.” Sir Thomas Fowell Buxton “They never fail who die in a great cause.”George Gordon, Lord Byron “Success in business implies optimism, mutual confidence, and fair play. A business man must hold a high opinion of the worth of what he has to sell and he must feel that he is a useful public servant.”R.H. Cabell “Success is not the key to happiness. Happiness is the key to success. If you love what you are doing, you will be successful.”Herman Cain “The important thing to recognize is that it takes a team, and the team ought to get credit for the wins and the losses. Successes have many?fathers, failures have none.” Philip Caldwell “The look of success, when it is worn a certain way, would infuriate a jackass.” Albert Camus “Your successes and happiness are forgiven you only if you generously consent to share them.” Albert Camus You are the only one who can use your ability. It is an awesome responsibility. “It takes 20 years to make an overnight success.” Eddie Cantor “Failure is the condiment that gives success its flavor.” Truman Capote “I believe that the true road to preeminent success in any line is to make yourself master of that line.” Andrew Carnegie “Put all your eggs in one basket and watch that basket.” Andrew Carnegie “People rarely succeed unless they have fun in what they are doing.” Dale Carnegie “Success is getting what you want; happiness is wanting what you get.” Dale Carnegie “When you have much success, two things happen. The first is that we begin to take success for granted. The second is that we forget how we got here?namely, by exceptionally hard work and in spite of intense competition.” Jack Mack Carter There are some things you don’t have to know how it works.The main thing is that it works.While some people are studying the roots,others are picking the fruit. It just depends which end of this you want to get in on. “Our duty as men is to proceed as if limits to our ability did not exist. We are collaborators in creation.” Pierre Teilhard de Chardin “Destiny is not a matter of chance, it is a matter of choice; it is not a thing to be waited for, it is a thing to be achieved.” Winston Churchill “No one can guarantee success in war, but only deserve it.” Winston Churchill Ambition, fueled by compassion, wisdom and integrity, is a powerful force for good that will turn the wheels of industry and open the doors of oppurtunity for you and countless others. Zig Ziglar “There are men in the world who derive an exaltation from the proximity of disaster and ruin, as other from success.” Winston Churchill “There is but one straight road to success, and that is merit. The man who is successful is the man who is useful. Capacity never lacks opportunity. It can not remain undiscovered, because it is sought by too many anxious to use it.” Bourke Cockran “Success depends upon previous preparation, and without such preparation there is sure to be failure.” confucius “Perhaps the reward of the spirit who tries. Is not the goal but the exercise.” Edmund Vance Cooke “I don’t know the key to success but the key to failure is to try to please everyone.” Bill Cosby “An empowered organization is one in which individuals have the knowledge, skill, desire, and opportunity to personally succeed in a way?that leads to collective organizational success.” Stephen Covey “If at first you don’t succeed, failure may be your style.” Quentin Crisp At the end of each you should play back the tapes of your performance. The result should either applaud youor prod you. “To me success would be to be able to do your very best in everything you do.” Paul Cummings “In order to succeed you must fail, so that you know what not to do the next time.” Anthony D’Angelo “History records the successes of men with objectives and a sense of direction. Oblivion is the position of small men overwhelmed by obstacles.” William Danforth “Defeat never comes to any man until he admits it.” Josephus Daniels If we don’t start,it’s certain we can’t arrive. “I always suspect an artist who is successful before he is dead.” Edgar Degas “Every advantage in the past is judged in the light of the final issue.” Demosthenes “Success is counted sweetest by those who ne’er succeed.” Emily Dickinson “Somehow I can?t believe there are many heights that can?t be scaled by a man who knows the secret of making dreams come true. This special secret can be summarized in four C?s. They are: curiosity, confidence, courage, and constancy, and the greatest of these is confidence.” Walt Disney “As a rule, he or she who has the most information will have the greatest success in life.” Benjamin Disraeli “The Duke of Wellington brought to the post of first minister immortal fame,?a quality of success which would almost seem to include all others.” Benjamin Disraeli “The most successful people in life are generally those who have the best information.” Benjamin Disraeli “The secret of success is constancy to purpose.” Benjamin Disraeli “What we anticipate seldom occurs, what we least expected generally happens.” Benjamin Disraeli “Life has no smooth road for any of us; and in the bracing atmosphere of a high aim the very roughness stimulates the climber to steadier steps, till the legend, “over steep ways to the stars,” fulfills itself.” W.C. Doane “Sometimes a noble failure serves the world as faithfully as a distinguished success.” Dowden Obviously, there is little you can learn from doing nothing. “Women will never be as successful as men because they have no wives to advise them.” Dick Van Dyke “A man is a success if he gets up in the morning and gets to bed at night, and in between he does what he wants to do.” Bob Dylan “Many of life’s failures are people who did not realize how close they were to success when they gave up.” Thomas Edison “If A equal success, then the formula is A equals X plus Y and Z, with X being work, Y play, and Z keeping your mouth shut.” Albert Einstein “The crippling of individuals I consider the worst evil of capitalism. Our whole educational system suffers from this evil. An exaggerated competitive attitude is inculcated into the student, who is trained to worship acquisitive success as a preparation for his future career.” Albert Einstein “Try not to become a man of success, but rather to become a man of value. He is considered successful in our day who gets more out of life than he puts in. But a man of value will give more than he receives.” Albert Einstein “We succeed only as we identify in life, or in war, or in anything else, a single overriding objective, and make all other considerations bend to that one objective.” Eisenhower “If a man write a better book, preach a better sermon, or make a better mouse-trap than his neighbor, tho’ he build his house in the woods, the world will make a beaten path to his door.” Ralph Waldo Emerson “Self-trust is the first secret of success.” Ralph Waldo Emerson “There is no way to success in our art but to take off your coat, grind paint, and work like a digger on the railroad, all day and every day.” Ralph Waldo Emerson Your business is never really good or bad “out there” your business is either good or bad right between your own two ears. “To laugh often and much; To win the respect of intelligent people and the affection of children; To earn the approbation of honest critics and endure the betrayal of false friends; To appreciate beauty; To find the best in others; To give of one’s self; To leave the world a bit better, whether by a healthy child, a garden patch, or a redeemed social condition; To have played and laughed with enthusiasm and sung with exultation; To know even one life has breathed easier because you have lived ? This is to have succeeded.” Ralph Waldo Emerson “Along with success comes a reputation for wisdom.” Euripides “Success has a simple formula: do your best, and people may like it.” Sam Ewing “What is the recipe for successful achievement? To my mind there are just four essential ingredients: Choose a career you love . . . Give it the best there is in you . . . Seize your opportunities And be a member of the team. In no country but America, I believe, is it possible to fulfill all four of these requirements.” Benjamin Fairless Success is not to be pursued;it is to be attracted by the person we become. Jim Rohn “Deliver me from all evildoers that talk nothing but sickness and failure. Grant me the companionship of men who think success and men who work for it. Loan me associates who cheerfully face the problems of a day and try hard to overcome them. Relieve me of all cynics and critics. Give me good health and the strength to be of real service to the world, and I’ll get all that’s good for me, and will what’s left to those who want it.” William Feather “The great dividing line between success and failure can be expressed in five words: “I did not have time.” Franklin Field “Twelve Priceless Qualities of Success: 1. The value of time. 2. The success of perseverance. 3. The pleasure of working. 4. The dignity of simplicity. 5. The worth of character. 6. The power of kindness. 7. The influence of example. 8. The obligation of duty. 9. The wisdom of economy. 10. The virtue of patience. 11. The improvement of talent. 12. The joy of originating.” Marshall Field “Keep these concepts in mind: You’ve failed many times, although you don’t remember. You fell down the first time you tried to walk. You almost drowned the first time you tried to swim. . . . Don’t worry about failure. My suggestion to each of you: Worry about the chances you miss when you don’t even try.” Sherman Finesilver “Success as I see it, is a result, not a goal.” Gustave Flaubert “History has demonstrated that the most notable winners usually encountered heart-breaking obstacles before they triumphed. They won because they refused to become discouraged by their defeats.” B.C. Forbes “Failure is success if we learn from it.” Malcolm Forbes “The man who will use his skill and constructive imagination to see how much he can give for a dollar, instead of how little he can give for a dollar, is bound to succeed.” Henry Ford “The secret of success is constancy to purpose.” Benjamin Franklin “Good is not good where better is expected.” Thomas Fuller “A great pleasure in life is doing what people say you cannot do.” Walter Gagehot “I buy when other people are selling.” J. Paul Getty “No one can possibly achieve any real and lasting success or “get rich” in business by being a conformist.” J.Paul Getty “Success is always temporary. When all is said and done, the only thing you’ll have left is your character.” Vince Gill “The secret of success is sincerity. Once you can fake that you’ve got it made.” Jean Giraudoux “On the pinnacle of success man does not stand firm long.” Goethe “The passing day is prey to error. Time commands success and achievement.” Goethe “Pleasures, riches, honor and joy are sure to have care, disgrace, adversity and affliction in their train. There is no pleasure without pain, no joy without sorrow. O the folly of expecting lasting felicity in a vale of tears, or a paradise in a ruined world.” Gotthold “Successful men are influenced by the desire for pleasing results. Failures are influenced by the desire for pleasing methods and are inclined to be satisfied with such results as can be obtained by doing things they like to do. The common denominator of success – the secret of every man who has ever been successful – lies in the fact that he formed the habit of doing things that failures don?t like to do.” Albert Gray “We do not know, in most cases, how far social failure and success are due to heredity, and how far to environment. But environment is the easier of the two to improve.” Haldane “Men give me credit for some genius. All the genius I have lies in this: When I have a subject in hand, I study it profoundly. Day and night it is before me. I explore it in all its bearings. My mind becomes pervaded with it. Then the effort which I have made is what people are pleased to call the fruit of genius. It is the fruit of labor and thought.” Alexander Hamilton “Many a one has succeeded only because he has failed after repeated efforts. If he had never met defeat, he would never have known any great victory.” Orison Sweet Marden “You can do anything you wish to do, have anything you wish to have, be anything you wish to be.” Robert Collier “The first requisite of success is the ability to apply your physical and mental energies to one problem without growing weary.” Thomas Edison “Every minute you spend in planning saves 10 minutes in execution; this gives you a 1,000 percent return on energy!” Brian Tracy “Achievement seems to be connected with action. Successful men and women keep moving. They make mistakes, but they don’t quit.” Conrad Hilton “You don’t become enormously successful without encountering and overcoming a number of extremely challenging problems.” Mark Victor Hansen “Personal development is your springboard to personal excellence. Ongoing, continuous, non-stop personal development literally assures you that there is no limit to what you can accomplish.” Brian Tracy “The only way to discover the limits of the possible is to go beyond them into the impossible.” I found it easier to get rich than I did to make excuses. Jim Rohn “He who reigns within himself and rules his passions, desires, and fears is more than a king.” John Milton “Time is our most valuable asset, yet we tend to waste it, kill it, and spend it rather than invest it.” Jim Rohn “The indispensable first step to getting the things you want out of life is this: decide what you want.” Ben Stein “I do not think there is any other quality so essential to success of any kind as the quality of perseverance. It overcomes almost everything, even nature.” John D. Rockefeller “The successful person has the habit of doing the things failures don’t like to do. They don’t like doing them either necessarily. But their disliking is subordinated to the strength of their purpose.” E.M. Gray “The problem with most failing businesses is not that their owners don?t know enough about finance, marketing, management, and operations — they don?t, but those things are easy enough to learn — but that they spend their time and energy defending what they think they know. My experience has shown me that the people who are exceptionally good in business aren?t so because of what they know but because of their insatiable need to know more.” Michael Gerber

    TIPS UNTUK BERJAYA 4

    5 Tips Arnold Schwarzenegger untuk Memiliki Kehidupan yang Anda Inginkan

    tips Arnold Schwarzenegger Juara dunia binaraga, yang juga merupakan salah satu aktor termahal selama puluhan tahun, dan sekarang menjabat sebagai gubernur California. Perjalanan sejarah Arnold Schwarzenegger lebih menyerupai perjalanan sejarah tiga orang yang digabung menjadi satu. Bagaimana ia bisa mencapai semua prestasi tersebut? Berikut ini adalah 5 buah kebiasaan dan tips sukses yang diambil dari pengalaman Arnold sendiri :

    1. Percaya Pada Diri Anda Sendiri

    “Saya sadar bahwa saya adalah seorang pemenang di akhir tahun 60an. Saya sadar bahwa saya ditakdirkan untuk melakukan hal-hal besar. Orang-orang akan berkata bahwa pemikiran semacam itu terkesan sombong dan terkesan seperti lupa daratan. Saya setuju, rendah diri bukanlah kata yang saya terapkan dalam diri saya – dan semoga tidak pernah saya terapkan.” “Kita semua memiliki kekuatan dalam diri kita. Kekuatan tersebut adalah keyakinan diri sendiri; sikap untuk menjadi pemenang. Anda harus melihat diri anda sebagai seorang pemenang sebelum anda memperoleh kemenangan. Anda harus merasa lapar dan anda harus memiliki kemauan untuk menaklukan segala hal.” “Pikiran anda adalah batasnya. Selama pikiran anda bisa melihat fakta bahwa anda bisa melakukan sesuatu, anda pasti bisa melakukannya, asalkan anda percaya 100% anda bisa.” Kepercayaan diri yang sangat kuat akan sangat membantu anda. Meskipun terdengar konyol, kepercayaan diri anda sangat menentukan perjalanan dan hasil yang akan anda raih. Namun masalah yang sering muncul dari pernyataan seperti “Percayalah pada dirimu sendiri!” adalah pernyataan tersebut tidak disertai dengan instruksi-instruksi praktis supaya anda lebih mempercayai diri anda sendiri, sehingga anda kadang merasa sulit untuk mencapai tujuan anda. Ada beberapa hal yang terbukti sangat membantu untuk menyelesaikan masalah ini.

    • Pertama, dengan menyadari bahwa anda mampu mengatasi semua hal-hal negatif yang merintangi anda, kepercayaan diri dan kemampuan anda akan tumbuh.
    • Kedua, anda juga bisa melakukan proses serupa sesuai dengan keinginan anda. Dengan menentukan tujuan dan akhirnya mencapai tujuan tersebut; rasa percaya diri anda juga akan meningkat.

    Kedua pilihan ini memang memerlukan proses dan kesabaran, dan pada saat tertentu pilihan-pilihan tersebut rasanya tidak berguna. Namun sama seperti banyak hal, anda tetap harus berusaha sebaik mungkin untuk mencapai hasil yang terbaik. Ada sisi lain dari tantangan ini. Kurangnya rasa percaya diri biasanya disebabkan oleh ’sabotase’ dari dalam diri anda sendiri, keyakinan yang anda batasi dan pergumulan dalam pikiran anda. Intinya adalah anda menahan diri anda sendiri. Memiliki pegangan yang cukup baik dalam mengendalikan diri anda akan membantu anda untuk melihat apa yang ingin anda lakukan. Karena, seperti yang dikatakan oleh Arnold, anda harus mampu untuk memvisualisasikan apa yang ingin anda lakukan atau anda akan sulit untuk mewujudkan visi anda menjadi sebuah kenyataan. Dengan belajar mengendalikan pikiran anda, akan lebih mudah untuk menanamkan visi anda hari demi hari, minggu demi minggu. Anda akan lebih bertahan terhadap ’sabotase’ dari dalam diri anda sendiri, dan seiring dengan itu keyakinan anda pun akan lebih kuat jika suatu saat anda dipertanyakan oleh orang lain.

    2. Lihatlah Perjuangan dan Kegagalan Sebagai Sesuatu yang Positif

    “Kekuatan bukan berasal dari kemenangan. Perjuangan andalah yang membuat anda kuat. Ketika anda melalui tantangan dan memutuskan untuk tidak menyerah, itulah kekuatan” Kegagalan bukanlah akhir dari segalanya. Kegagalan merupakan bagian dari perjalanan anda, bagian dari proses belajar. Masalahnya adalah jika anda memiliki mental yang buruk yang mengatakan bahwa setiap kegagalan berarti akhir dari segalanya. Hal ini bisa menghambat anda dari bekerja secara optimal, atau bahkan menghentikan anda dari mengambil sebuah tindakan. Kunci untuk mengatasi hambatan ini adalah dengan mengolah mental agar anda selalu mengatakan bahwa peluang akan selalu ada. Hal ini juga akan membantu anda untuk tidak terlalu serius dalam menanggapi kemunduran. Salah satu cara untuk membantu diri anda sendiri untuk mengembangkan mental semacam itu adalah dengan menggantikan beberapa hal yang selama ini menjadi sumber informasi anda – seperti berita atau iklan. Gantikan dengan informasi yang berasal dari pembicara atau penulis pengembangan diri. Cara lain adalah dengan bergaul dengan lebih banyak orang yang memiliki mental tersebut. Anda dikatakan benar-benar gagal hanya jika anda berhenti dan menyerah. Jika anda teruskan, justru akan membangun kekuatan dalam diri anda untuk hidup dan berjalan melalui tantangan tersebut. Jika anda melihat ke belakang dan belajar dari kegagalan anda, anda akan memperdalam pengetahuan yang anda miliki, bahkan mungkin anda akan mampu menghindari beberapa kesalahan dan menemukan cara lain untuk mencapai tujuan anda. Ingatlah bahwa untuk mencapai sukses anda membutuhkan kegagalan-kegagalan tersebut. Kegagalan membuat anda menjadi lebih kuat serta lebih pintar. Gabungan kedua hal tersebut merupakan kunci dari kesuksesan anda.

    3. Lakukan Lebih Banyak dari yang Diminta

    “Tiga atau empat gerakan terakhirlah yang akan membuat otot anda berkembang. Tingkat sakit yang anda rasakan, yang membedakan antara pemenang dan pecundang. Hal inilah yang tidak dimiliki semua orang; keberanian untuk terus maju dan berkata, mereka akan menahan rasa sakit apapun yang terjadi” Lakukan lebih banyak dari yang diminta. Hal ini memang tidaklah mudah. Saya mengatakan hal ini tidak mudah karena saya terlalu lama berpikir. Masalahnya, berpikir terlalu lama cenderung membawa anda pada pikiran-pikiran negatif dimana anda justru akan menggunakan pikiran anda tersebut untuk mengurangi kekuatan anda melalui keragu-raguan. Jika anda menjumlahkan seluruh waktu berpikir anda yang terlalu lama itu, anda bisa menghabiskan waktu berbulan-bulan bahkan bertahun-tahun hidup anda. Akan lebih bermanfaat jika anda berhenti berpikir ketika semua hal yang diperlukan sudah dipikirkan. Lalu lakukan apa yang anda pilih.

    4. Berolahragalah

    “Latihan memberi kita penyaluran atas energi terpendam yang berasal dari stress dan menyeimbangkan diri dengan jiwa; sama halnya dengan olahraga untuk mengkondisikan tubuh anda” Ya, berolahraga sangat bermanfaat dalam banyak hal. Salah satu cara untuk merubah perasaan marah, negatif atau lemah adalah dengan berolahraga. Berolahraga sangat baik karena untuk melakukannya anda tidak tergantung pada pikiran anda. Anda hanya perlu membawa diri anda ke tempat yang anda mau dan menggerakan tubuh anda untuk melakukan beberapa gerakan tertentu untuk mencapai hasil yang diinginkan.

    5. Bantulah Orang Lain

    “Bantulah orang lain dan balaslah kebaikan orang lain. Saya jamin anda akan menemukan bahwa imbalan terbesar yang anda terima adalah kelimpahan dan makna baru dalam hidup anda” Membantu orang lain merupakan hal yang sangat berharga. Selain memperkaya hidup anda sendiri, anda juga membina hubungan dengan banyak orang, dan hukum balas budi, yaitu dorongan untuk memberikan sesuatu bagi orang lain, sangatlah kuat dalam diri setiap orang. Jika anda memberikan mereka sesuatu yang bernilai dan membantu mereka, maka mereka pun akan bersedia membantu anda jika anda membutuhkannya. Hal ini akan mengarahkan tindakan dan pikiran anda menuju arah yang positif yang tentunya akan sangat bermanfaat bagi kita semua

    7 Tips Oprah Untuk Menciptakan Kehidupan yang Luar Biasa

    oprah winfrey Pertama-tama, saya ingin mengucapkan Selamat Tahun Baru 2010 bagi para pembaca Aku Ingin Sukses. Semoga tahun ini memberikan lebih banyak berkah dan kesuksesan dibanding tahun yang lalu. Dan bagi anda yang telah mengikrarkan resolusi untuk tahun 2010, semoga dapat terlaksana dan tercapai lebih baik dibanding tahun 2009. Para pembaca yang budiman, di awal tahun ini, saya ingin memberikan sesuatu yang sangat spesial untuk anda. Kali ini saya akan membawakan artikel tentang Oprah Winfrey. Artikel ini merupakan rangkuman tips dari Oprah Winfrey yang sangat luar biasa. Saya yakin jika anda mengikutinya, anda pun akan memiliki kehidupan yang luar biasa, kehidupan yang anda inginkan. (Mungkin anda ingin melihat juga artikel sejenis 5 Tips Arnold Schwarzenegger Untuk Memiliki Kehidupan yang Anda Inginkan, yang saya tulis kurang lebih satu setengah bulan yang lalu) ***** Berikut ini adalah beberapa tips dari Oprah yang memberikan banyak manfaat bagi saya. “Jika anda ingin hidup anda lebih bermakna, anda harus mengubah pola pikir anda.” “Bagi setiap orang yang mencapai kesuksesan, kesuksesan tersebut diraih karena ada seseorang yang menunjukkan jalannya.”

    1. Pertahankan Fokus Anda di Tempat yang Tepat

    “Bersyukurlah atas segala hal yang anda miliki; dan anda akan memiliki lebih banyak lagi. Jika anda berkonsentrasi pada ada yang tidak anda miliki, anda tidak akan pernah berkecukupan.” Tips ini merupakan tips sederhana yang dapat memiliki pengaruh yang lebih besar dalam hidup anda; lebih besar dari yang anda bayangkan. Anda memiliki sebuah bagian yang disebut Sistem Aktivasi Retikular (SAR) dalam pikiran anda. SAR dapat membantu anda karena ketika anda memfokuskan pikiran anda pada sesuatu, sistem ini akan mulai mencari bukti-bukti dari pemikiran anda. Dan karena anda hanya bisa memfokuskan diri pada sebagian hal saja, apa yang menjadi fokus anda menjadi sangat penting. Bahkan jika anda merubah fokus anda, hal ini akan merubah dunia anda secara radikal. Ketika anda memfokuskan diri pada apa yang anda miliki dan mensyukurinya atau memfokuskan diri pada hal-hal yang anda inginkan, hal-hal ini akan mulai menjadi kenyataan dalam hidup anda. Hal-hal tersebut sebenarnya sudah ada si sekitar anda selama ini. Namun anda hanya bisa melihatnya jika anda merubah fokus anda. Jika anda memfokuskan diri pada apa yang tidak anda miliki, SAR anda akan membantu anda menemukan bahwa anda memang tidak memiliki hal-hal tersebut. Dengan bersyukur dan menghargai hal-hal yang anda temui setiap hari tidak akan mengubah mood anda yang cenderung negatif menjadi positif secara instan. Namun setidaknya anda bisa memiliki lebih banyak informasi mengenai apa yang anda inginkan atau solusi atas hal-hal yang anda coba selesaikan. Satu atau dua reminder; sebagai contoh catatan kecil di lemari es anda, dapat membantu anda untuk tetap fokus pada tempat yang tepat di kehidupan sehari-hari.

    2. Definisikan Ulang Arti Kata Kegagalan

    “Saya tidak percaya akan kegagalan. Bukanlah kegagalan jika anda menikmati prosesnya.” “Lakukan satu hal yang menurut anda tidak bisa anda lakukan. Jika anda gagal, cobalah lakukan lagi. Lakukan lebih baik pada percobaan kedua. Orang yang tidak pernah terjatuh adalah orang yang tidak pernah mengambil risiko. Ini adalah saatnya. Ambil kesempatan ini dan lakukan!” “Saya percaya salah satu risiko terbesar dalam kehidupan adalah tidak adanya keberanian untuk mengambil risiko.” Salah satu penyebab yang menghambat orang-orang dalam meraih impian mereka adalah rasa takut gagal. Namun seperti yang sudah tertulis, kegagalan bisa menjadi pengalaman berharga yang akan membantu anda. Faktanya, tanpa kegagalan anda tidak akan pernah mempelajari hal-hal yang anda butuhkan untuk mencapai kesuksesan yang anda impikan. Jadi, daripada anda melihat kegagalan sebagai sesuatu yang menakutkan, definisikan ulang arti kata kegagalan dalam pikiran anda sebagai suatu proses pembelajaran. 2 tips lain yang bisa anda gunakan untuk menghadapi kegagalan adalah :

    • Ciptakan mental yang ‘berlebih’. Mental ‘kekurangan’ mengatakan bahwa anda selalu memiliki kekurangan. Mental ‘berlebih’ mengatakan bahwa anda selalu memiliki kelebihan. Selalu ada tujuan yang bisa anda raih, peluang bisnis untuk ditemukan, dan tanggal-tanggal penting untuk anda isi dengan kegiatan bermanfaat. Jika tujuan anda meleset, belajarlah dari pengalaman anda. Jangan biarkan kegagalan menjatuhkan semangat anda. Gunakan tips pertama dari artikel ini dan fokuslah kembali pada hal-hal yang ingin anda capai. Fokuslah pada ‘kelebihan’ yang ada. Tips ini tidak hanya membuat anda lebih berani dalam mengambil risiko, namun juga untuk mengurangi perasaan-perasaan negatif yang ada pada diri anda. Rasa takut gagal biasanya merupakan hasil pemikiran anda sendiri karena anda selalu merasa ‘kekurangan’.
    • Fokuslah pada prosesnya. Maksud dari tips ini adalah anda harus memfokuskan diri pada apa yang sedang anda kerjakan. Anda tidak memikirkan hasil yang mungkin anda peroleh jika anda tetap fokus pada apa yang sedang anda kerjakan. Anda memisahkan diri anda dari hasil yang bisa anda raih. Fokuskan pikiran anda pada pekerjaan anda. Anda tidak perlu berpikir bagaimana anda bisa gagal, mengecewakan diri anda sendiri atau mencapai kesuksesan. Anda tidak perlu memikirkan bagaimana anda mengecewakan, menghibur atau memikirkan pandangan orang lain terhadap diri anda. Fokuslah pada pekerjaan anda sehingga apa yang anda kerjakan bisa menjadi lebih menyenangkan meskipun anda akan mengalami hambatan dan kegagalan.

    3. Anda Memberi Makan Rasa Takut Anda

    “Apapun yang anda takuti sebenarnya tidak memiliki kuasa atas anda – rasa takutlah yang menguasai diri anda.” Rasa takut umumnya adalah perasaan yang muncul dari pikiran yang anda beri makan dengan energi yang anda miliki. Jika anda menerima rasa takut dan menghadapi rasa takut tersebut, maka anda berhenti memberi makan rasa takut anda dan rasa takut tersebut akan lenyap. Jadi, kuncinya adalah untuk menerima rasa takut anda. Dengan menerima apa adanya rasa takut tersebut, anda akan berhenti memberi makanan pada perasaan tersebut. Salah satu cara untuk melakukan hal ini adalah dengan mengikuti emosi anda, lalu lakukan hal yang anda takuti tersebut. Dengan mengikuti emosi anda, anda melepaskan atau setidaknya melemahkan perasaan-perasaan negatif yang menahan anda untuk melakukan sesuatu. Dengan bertindak, pikiran anda akan mendapatkan bukti bahwa apa yang anda takuti sebenarnya tidak menakutkan seperti yang ada di pikiran anda.

    4. Lakukan Hal yang Benar

    “Inti dari integritas adalah melakukan hal yang benar, terlepas dari apakah orang lain mengetahui anda melakukannya atau tidak.” Poin ini sangatlah menarik. Namun bagaimana anda melakukannya? Bagaimana anda tetap mengerjakan hal yang benar ketika tidak ada seorang pun yang memperhatikan dan memeriksa anda? Tentunya saya tidak memiliki jawaban yang lengkap untuk pertanyaan tersebut, namun saya menemukan 2 hal berikut:

    • Buatlah aturan untuk diri anda sendiri. Jika anda ingin tetap melakukan hal yang benar maka anda harus memperhatikan peraturan yang ada dan nilai-nilai yang ditetapkan oleh orang-orang disekitar anda. Anda harus memahami diri anda dan apa yang anda ingin lakukan. Jika anda mengikuti peraturan orang lain maka anda akan bertanggung jawab kepada orang yang membuat peraturan tersebut. Dan akan lebih mudah bagi anda untuk berbuat curang atau melakukan kesalahan ketika tidak ada yang memperhatikan anda. Namun jika anda membuat aturan untuk diri anda sendiri maka anda sendirilah yang bertanggung jawab. Jika anda bisa bertanggung jawab terhadap diri anda sendiri, akan lebih mudah bagi anda untuk melakukan hal yang anda rasakan benar secara konsisten.
    • Jangan bergantung pada validasi eksternal. Jika anda bergantung pada validasi eksternal – pendapat dari orang-orang yang mengatakan bahwa anda melakukan pekerjaan dengan baik, dll. – maka akan sulit bagi anda untuk melakukan sesuatu sesuai dengan aturan main anda. Secara konsisten anda akan mencari tahu validasi orang lain dan beradaptasi sesuai dengan pendapat orang lain. Dan jika anda bergantung sepenuhnya pada pendapat orang lain maka anda akan lebih mudah tergoda untuk berbuat curang atau berhenti melakukan hal yang benar ketika tidak ada yang mengawasi anda; karena tidak ada yang akan memuji anda.

    5. Anda Menuai Apa yang Anda Tanam

    “Satu hal yang saya yakini adalah apa yang anda berikan akan kembali pada diri anda sendiri.” Nasihat ini merupakan nasihat klasik, dan saya percaya nasihat ini sangat tepat. Orang cenderung untuk beradaptasi dan memberikan respon. Mereka memperlakukan anda seperti anda memperlakukan mereka. Namun akhir-akhir ini saya mulai berpikir tentang bagaimana hal ini bekerja melalui cara lain. Saya berpendapat bahwa apa yang anda lakukan terhadap orang lain merupakan perwujudan dari bagaimana anda memperlakukan diri anda sendiri. Jika anda menyalurkan banyak hal-hal negatif ke sekeliling anda maka anda juga memberikan hal-hal yang sama bagi diri anda sendiri. Untuk sementara, mungkin anda merasa baik-baik saja jika anda menggunjingkan atasan anda. Namun saya percaya bahwa hal-hal negatif yang anda temukan di sekeliling anda disebabkan oleh sikap semacam ini. Hal ini mungkin tidak berhubungan langsung dengan apa yang anda katakan atau lakukan. Namun nampaknya anda tidak bisa menyakiti orang lain tanpa menyakiti diri anda sendiri. Semakin banyak hal-hal negatif yang keluar dari dalam diri anda, semakin buruk pula perasaan anda dalam kehidupan sehari-hari; semakin sering anda akan melakukan sesuatu secara berlebihan dan merasakan kesedihan yang tiba-tiba muncul begitu saja. Mungkin karena anda mengeluarkan begitu banyak hal-hal negatif maka SAR anda akan memfokuskan diri pada hal-hal negatif yang anda jumpai dalam kehidupan sehari-hari anda.

    6. Lupakan Masa Lalu, Hiduplah di Masa Sekarang

    “Ambil nafas, lepaskan, dan ingatkan diri anda bahwa saat ini merupakan waktu yang anda miliki dengan pasti.” Salah satu hal terbaik yang bisa anda lakukan untuk meningkatkan kualitas kehidupan dan kepribadian anda adalah dengan melupakan apa yang sudah terjadi; jangan memikirkan hal-hal negatif yang terjadi di masa lalu anda terlalu lama. Namun bagaimana anda akan melakukannya? Saya berhasil menemukan beberapa tips yang sangat berguna. Tips berikut bekerja dengan baik dan akan bekerja dengan lebih baik seiring dengan berjalannya waktu dan saya menjadi lebih ahli dalam menerapkan tips tersebut. Tips pertama adalah tanyakan pada diri anda sendiri: “Apa manfaatnya bagi saya?” sepanjang hari atau ketika anda merasakan pikiran-pikiran negatif bermunculan dalam pikiran anda. Apa manfaat yang saya akan peroleh ketika saya memikirkan pikiran-pikiran ini? Saya sering menyadari bahwa memikirkan hal-hal yang negatif tidaklah bermanfaat bagi saya. Pikiran-pikiran negatif atau mengulang kembali memori negatif berulang ulang dalam pikiran anda tidak akan bermanfaat bagi anda. Ya, anda mungkin bisa mendapatkan kepuasan sendiri – seperti perasaan bahwa anda menjadi korban atau dengan membenci seseorang dan merencanakan balas dendam. Namun yang sebenarnya anda lakukan betul-betul membuang waktu dan energi anda. Anda telah membaca tips kedua: fokuslah pada apa yang anda inginkan dan fokuslah pada kelimpahan daripada kekurangan. Tips ketiga adalah belajar untuk menghabiskan lebih banyak waktu di masa sekarang atau pada proyek masa depan yang anda rencanakan daripada menghabiskan waktu mengingat-ingat masa lalu. Dan cara terbaik dan terpraktis untuk menerapkan tips-tips tersebut telah tertulis pada bagian awal artikel ini.

    7. Segala Hal yang Terjadi Berada Dalam Kendali Anda

    “Setiap dari kita bertanggung jawab atas kehidupan kita sendiri – bukan orang lain.” Ketika kita muda, orang lain bertanggung jawab atas kehidupan kita. Menurut pendapat saya, salah satu tanda kematangan adalah jika seseorang bertanggung jawab 100% atas kehidupannya sendiri. Namun, tetap masih ada perasaan dimana kita menginginkan orang lain untuk bertanggung jawab atas kehidupan kita. Salah satu contoh yang sering terjadi dalam kehidupan nyata adalah saat orang mencari ‘obat mujarab’, daripada memegang kendali dan mengambil tanggung jawab atas kehidupan mereka sendiri, serta bekerja selangkah demi selangkah untuk mencapai tujuan. Ada kebutuhan akan buku, program, obat, atau sesuatu yang bisa kita beli untuk menghilangkan masalah yang kita hadapi. Sama seperti ketika ayah atau ibu memecahkan masalah anda. Saya tidak berkata bahwa saya tidak pernah mencari ‘obat mujarab’ tersebut. Mungkin setiap orang harus melalui fase tersebut dalam hidupnya. Namun saya merasa bahwa ketika anda berhenti mencari hal-hal semacam itu, maka anda berada di jalan yang akan membawa anda mencapai hasil yang lebih baik daripada hasil yang anda peroleh dari ‘obat mujarab’ tersebut.

    Mengapa? Anda menyadari bahwa anda harus berada di belakang kemudi dan memegang kendali. Dan ketika anda berhenti mencari ‘obat mujarab’, anda akan menjadi lebih fokus. Anda menyadari bahwa tidak ada buku yang bisa memberikan anda lebih banyak ilmu. Anda menyadari bahwa anda harus bertindak dan menciptakan kehidupan sesuai dengan keinginan anda. Dan sekarang, buku-buku yang anda beli menjadi berguna karena anda berhenti melihat buku-buku tersebut sebagai ‘obat mujarab’ yang akan menyembuhkan anda, namun anda melihatnya sebagai panduan yang menuntun anda selama

    TIPS UNTUK BERJAYA 5

    These 12 attitude attributes can put you in the right mindset for achieving entrepreneurial success. 1. Have passion for your business Work should be fun. Your passion will help you overcome difficult moments and persuade people to work for you and want to do business with you. Passion can’t be taught. When it wanes, as it surely will in difficult times, take some quiet time. Whether it be an hour or a week, take inventory of all the reasons you started the business and why you like being your own boss. That should renew your passion. 2. Set an example of trustworthiness People have confidence in trustworthy individuals and want to work for them in a culture of integrity. The same is true for customers. 3. Be flexible, except with core values It’s a given that your plans and strategies will change as time goes on. This flexibility for rapid change is an inherent advantage of small over large business. However, no matter the pressure for immediate profits, do not compromise on core values. 4. Don’t let fear of failure hold you back Failure is an opportunity to learn. All things being equal, venture capitalists would rather invest money in an individual who tried and failed founding a company than in someone who never tried. 5. Make timely decisions It’s okay to use your intuition. Planning and thought are good. But procrastination leads to missed opportunity. 6. The major company asset is you Take care of yourself. Your health is more valuable than the most expensive machinery or computer software for the company. You don’t have to choose between your family or your company, play or work. Maintain your health for balance and energy, which will, in turn, enhance your mental outlook. 7. Keep your ego under control Don’t take profits and spend them on expensive toys to impress others. Build a war chest for unexpected needs or opportunities. This also means hearing out new ideas and suggestions no matter how crazy they sound. 8. Believe You need to believe in yourself, in your company, and that you will be successful. This confidence is contagious with your employees, customers, stakeholders, suppliers and everyone you deal with. 9. Encourage and accept criticism graciously. Admit your mistakes. You need to constantly work on convincing your employees that it’s OK — even necessary —to state their honest opinions even it if conflicts with the boss’s opinion. Just stating it once or putting it in a mission statement won’t cut it for most people. 10. Maintain a strong work ethic Your employees will follow your lead. It will also help you beat your competition by outworking them, particularly when your product or service is very similar. 11. Rebound quickly from setbacks There surely will be plenty of ups and downs as you build the business. Learn from the setbacks and move on. You can’t change the past. 12. Periodically get out of your comfort zone to pursue something important Many times you will feel uncomfortable in implementing a needed change in technology, people, mission, competing, etc. For the company and you to grow personally, you sometimes have to step out of your comfort zone.

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    Thomas Edison’s Top 5 Tips for Success

    by Henrik Edberg. Thomas Alva Edison was one of the most famous and hard-working inventors in history. When he died in 1931 he held 1093 patents in his name (though a lot of his inventions were collaborations). Some of his most used inventions are of course the light bulb and the gramophone. He also did quite a bit work to improve x-ray machines for while (until he almost lost his own eye-sight and an assistant died due to radiation poisoning). And he had a AC/DC-current war with the odd and fascinating inventor Nikola Tesla. Here are a few of my favourite tips from Edison. They are all about success. And what kind of work and mindset achieving such a thing may require.

    “Many of life’s failures are people who did not realize how close they were to success when they gave up.”

    One of the problems in life is that people just give up too soon. I think quite a big bit of this because of social programming and the expectations set by society. It’s seen as pretty normal to try once or maybe a few times and then give up. There is also a ton of products, books and commercials that promises us that we can “Earn 20000 dollars in just 4 weeks” or “Easily lose 30 pounds in 30 days!”. And we hear these messages over and over throughout life. No wonder it’s easy to fall into the trap of believing that everything should work out after about three tries or so. When the promise of a quick fix is sold to us all the time and people around us are buying into it then it becomes easy just do the same thing. And align our expectations of the world around how things “should” work rather than how they work. If one does not give up so quickly but tries perhaps 20-30 times or more there is a pretty good chance that success will come. If one keeps at it for not 3 weeks but 6 months then the likelihood of success often increases. If not, then you may spend a lot of time in a cycle where you try a new quick fix, get discouraged quickly and give up, spend some cash on the next quick fix and getting overly enthusiastic and then continue the cycle by jumping from one magic bullet to another, never achieving much of a result. You can read more about this problem in One Big Mistake a Lot of People Make.

    “I have not failed. I’ve just found 10,000 ways that won’t work.”

    Now, how do you reframe failure? How do you look at it so you don’t feel overwhelmed and give up? Well, you can look at failure as a part of a process. You look at it as ways that won’t work. You draw lessons from those ways. Then you let that go, focus on the present and try again (this time perhaps in a different way). If you look at failure as something big, like it’s the end of the world you’ll probably be quite a bit afraid of it. And so it can feel too painful to go on after a few failures. Or you may never even try, since your mind is projecting all these horrible and painful future scenarios of what will happen if you try and fail. Also, if you come from a place of abundance then failure has less power over you. Failure can be really useful if you learn to redefine it for yourself. The key is to develop an abundance mentality – where there is always an abundance of opportunities – instead of a more common scarcity mentality where there is always a lack. If you start to think about your world this way failure becomes less painful and the fear of missteps lessens. Because with an abundance mentality you believe that there are more good opportunities out there even if you experience failure. So you are less inclined to give into fear and to pull away from taking a chance. Failure still hurts even if you think about things this way. But then you think about what you can learn from the failure. And then you start over again. And in retrospect you often discover that your previous failure provided some very useful, perhaps even necessary lessons, for your latest project to grow as well as it does. This way – seeing it as a process and have an abundance-mentality – is one way to reframe failure to keep yourself from giving up. If you look at it this way you’ll be less prone to lie down and just give up.

    “The value of an idea lies in the using of it.”

    Useful information is good. But you have to put it to use sometime or you’ll never reap any benefits or success. This is a pretty common problem when you for instance get interested in personal development. You get a lot of books, programs etc. and you study them. And then you get more. Always looking for the magic bullet that will give you success without you having to do anything. Confusing yourself and feeling like you are making progress by reading another book. That emotional high is dangerous because it can fool you into thinking that things are progressing. But then a few months later nothing much has happened, except you have a lot of knowledge (and have probably forgotten half of it because your mind couldn’t retain it because you weren’t putting it into action). To get results you need to take action. That’s also the best way to really understand the information you have absorbed and possibly find ways to tweak and use it in an even better way for yourself.

    “Being busy does not always mean real work. The object of all work is production or accomplishment and to either of these ends there must be forethought, system, planning, intelligence, and honest purpose, as well as perspiration. Seeming to do is not doing.”

    But just going for it, taking action and doing something isn’t enough. You have to ask yourself if what you are doing is useful? Or is it just another way to keep yourself busy, to keep yourself from doing what you really want to do? You need to think about what you really want to do. You need to make plans. Then throughout your normal day you can remind yourself, by for instance using external reminders like written notes, to stay on track. To not get lost on the wrong track or in the busywork that is perhaps a normal routine or an easy escape from the things you’d like to do but that require more perspiration.

    “Genius is one percent inspiration and ninety-nine percent perspiration.”

    There is a myth that geniuses mostly just are geniuses and can do great things pretty much as easily as you and I tie our shoelaces. But what is seldom mentioned or seen is how much the really successful people work. And how far the people that just practise, practise, practise can go. I think natural talent certainly plays a role. But I also think that it can become an excuse to slack off and never come close to your potential. To find something you can become really, really good at – perhaps even be regarded as genius at – I think you need to find something you really, really like to do. Otherwise, your inner motivation and passion will run out and you’ll probably show up less and less. Until you one day just give it up. Maybe it wasn’t the thing for you. Maybe you grew apart from it.

    And if that happens then you can try to find another thing that you really, really like to do.

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    7 Habits of Highly Ineffective People

    by Henrik Edberg. With a twist to the common list of habits that are useful to establish, here are 7 habits that you do best to avoid. Just like finding habits that can be useful for you it’s important to find habits that are holding you back. Most of these 7 habits can easily become such a normal, everyday part of life that you hardly notice it (or how it’s affecting you). I’ve dabbled with all of them quite a bit. Not surprisingly I didn’t get much of the important stuff done. I´d also like to add that these are just 7 broad habits you can establish to become highly ineffective in most parts of your life. I pretty sure there are several more. 1. Not showing up.

    Maybe you’ve heard this quote by Woody Allen: “Eighty percent of success is showing up” One of the biggest and simplest thing you can do to ensure more success in your life – whether it be in your social life, your career or with your health – is simply to show up more. If you want to improve your health then one of the most important and effective things you can do is just to show up at the gym every time you should be there. The weather might be bad, you might not feel like going and you find yourself having all these other things you just must do. If you still go, if you show up at the gym when motivation is low you will improve a whole lot faster than if you just stayed at home relaxing on the sofa. I think this applies to most areas of life. If you write or paint more, each day perhaps, you will improve quickly. If you get out more you can meet more new friends. If you go on more dates you chances of meeting someone special increases. Just showing up more can really make a big difference. Not showing up will not get you anywhere.

    2. Procrastinating half the day. To keep it short, my 3 favourite ways to get out of a procrastinating state are:

    - Swallow that frog. What´s this means is simply to do the hardest and most important task of the day first thing in the morning. A good start in the morning lifts your spirits and creates a positive momentum for the rest of the day. That often creates a pretty productive day. – How do you eat an elephant? Don´t try to take it all in one big bite. It becomes overwhelming which leads to procrastination. Split a task into small actionable steps. Then just focus on the first step and nothing else. Just do that one until it’s done. Then move on to the next step. – The Get around to It Paraliminal. I find this guided mediation to be very useful. After 20 minutes of mostly just lying on my bed and listening I’m far more productive for a few days. I don´t feel the urge to sink into that procrastinating state or the need to find out what’s new over at one or five of my favourite websites.

    3. When actually doing something, doing something that isn’t the most important thing right now.

    One of the easiest habits to get stuck in, besides procrastinating, is to keep yourself busy with unimportant tasks. To be effective you probably need some kind of time management-system. It might be something really simple, like using the 80/20-rule at the beginning of each day. The 80/20 rule, or the Pareto Principle as it´s also known, says that you´ll get 80 percent of your results from only 20 percent of your tasks and activities. So you need to focus most of your energy on those few important tasks to be effective. When you have prioritized using this rule just write down the top 3 most important things you need to do that day. Then, from the top, start doing them. Even if you just get one of the things done, you have still done the most important thing you could do today. You may perhaps prefer some other system, such as GTD. But however you organise your work it’s still of highest priority to find the most important tasks so you don’t spend days, weeks or months doing busywork that isn’t that essential anyway. Just getting things done faster isn’t that useful if the things you get done are unimportant to you.

    4. Thinking too much.

    And thereby seldom taking action. Paralysis by analysis can waste years of your life. There is nothing wrong with thinking before you do something. Do some research, make a plan, explore potential upsides and problems. But compulsively thinking and thinking and thinking is just another way to waste your time. You don’t have to examine everything from every angle before you try it. And you can’t wait for the perfect time to do something. That time never comes. And if you keep thinking you’ll just dig yourself down deeper and deeper and taking action will become more and more difficult. Instead you just need to stop thinking. Shut of your mind – it just helps you up to a point – and go do whatever you need to do.

    5. Seeing the negative and downsides in just about anything.

    When you see everything from a negative perspective you quickly punch a hole in your own motivation. You find faults everywhere and problems where there are really none. You cling to details. If you want to find a reason to not do something then that’s no problem. From a negative viewpoint you can find ten reasons every time. And so very little gets done, you whine to anyone who wants to hear – and many who don’t – about how crappy your job, life and boss is. Which becomes a self-fulfilling prophecy as you create the life that is appropriate considering how think and see your world. A solution is to realise the limits of a negative perspective. And that your perspective isn’t some kind of 100% true picture of the world. Then try other perspectives. For instance, trying to establish a habit of seeing things in a more positive and optimistic light can be quite useful. In that vein, you may want to try the Positivity Challenge. It´s not easy, but if you do the challenge and try to only think positive thoughts for 7 days it can give you an insight in how much your perspective and beliefs changes how you interpret your world. And what results you get.

    6. Clinging to your own thoughts and being closed to outside influences.

    It can be hard to admit that what you thought or believed was not the best alternative. So you cling to your thoughts harder and harder and keep your mind closed. This makes it hard to improve and for instance to become more effective. Even really considering the possibility that you can change your life can be difficult in this position. One solution, obviously, is to open up more. To open up and learn from the mistakes of others, from your own mistakes and from other sources like books. This is easy to say though. It can, as almost anything, be harder to do. One suggestion I have is to, like I said about the previous habit, realise the limits of what you know and the way you going about things. And then just try something new. Another tip is to read A New Earth by Eckhart Tolle and especially look at the chapters about the Ego. If you stop identifying so much with your thoughts and your Ego, as Tolle prescribes, it becomes a whole a lot easier to let new ideas and thoughts come into your life. And to let go of old thoughts that aren’t useful to you anymore. On the other hand I’d like to add and counter-balance with these tips: don’t get stuck in reading, in just taking in new information either or you might become a self-help junkie. Use the new information, put what you have learned in to action and try it out.

    7. Constantly on information overload. With information overload I don’t just mean that you read a lot. I pretty much mean an overload in all input. If you just let all information flow into your mind it will be hard to think clearly. It’s just too much stimulation. A few more potential downsides to this habit are: – Some of the input you receive will be negative. The media and your surroundings often put a negative spin on things for various reasons. If you aren´t selective in what input you want in your life then you’ll be dragged into this negativity too. This affects how you think, feel and act. – It creates an urge to keep up with what’s happening but there are always ten more things happening so you can’t keep up. This makes life stressful. – It becomes hard to make decisions and take action if your mind is constantly bombarded with information or trying to sort through it all. Personally I find that if I get too much information it leads to a sort of paralysis. Not much get´s done. Or you get stuck in habit #3 and keep busy, busy, busy at high speed with low priority activities. To be able to focus, think more clearly and take action it´s useful to be more selective in what you let into your mind. When you work shut out as much distractions as possible. Shut off the phone, internet and shut the door. It is strange how much you can get done when you aren´t interrupted every fifth minute or have the opportunity to procrastinate by checking your RSS-feeds or favourite websites. Now I´m not suggesting that you should stop reading all blogs or newspapers. But think about what you really want to read and what you read just read to fill your time. And have a look at other areas of input where the doors are wide-open.

    TIPS UNTUK BERJAYA 8

    25 Simple Ways to Motivate Yourself

    by Henrik Edberg. Print Feeling less than motivated all too often? I do. Well, perhaps not too often. But sometimes I just feel really lazy and unmotivated. Want some practical solutions to that universal motivation-problem? Here are 25 of them. Try a handful. Let me know which ones work well for you. I’m sure you’ll find at least one or two that do just that among these suggestions. 1. Make a deal with yourself. Good for overcoming procrastination and getting things done. You can make the deal small or large. You simple tell yourself something like: When I’m done with this chapter/these reports I can take a walk in the park and enjoy an ice-cream. 2. Act like it. If you don’t feel motivated or enthusiastic then act like it. The strange thing is that within a few minutes you actually start to feel motivated or enthusiastic for real. 3. Ask uplifting questions in the morning. Here’s what you do; every morning ask yourself five empowering three-part questions this way: What am I ______ about in my life right now? What about it makes me _______? How does it make me feel? Put in your own value in the blank space. For instance, a couple of my questions are: What am I happy about in my life right now? What am I excited about in my life right now? It’s important that you really feel how it makes you feel. When I think about the last part about what makes me happy right now I really feel it. These morning questions are great because the way they are set up makes you recognize things you take for granted and then they really get you to feel those positive feelings. 4. Move the goalposts. Set a large and specific goal. This will motivate you much more than small goals. A big goal has a big effect and can create a lot of motivation. 5. Do something small and create a flow. Just clean your desk. Or pay your bills. Or wash the dishes. You just need to get started. When you have finished that small task you’ll feel more alert and ready to go do the next thing. You just to get started to get motivated. So if you really don’t feel like doing anything, start with something small and work your way out up. 6. Do the toughest task first. This will ease a lot of your day-to-day worries and boost your self-confidence for the rest of the day. Read more about doing the hardest task bright and early right here. 7. Start slow. Instead of jumping into something at full speed start slow. When you do that your mind will not visualize the task as something hard that you have to do fast, fast, fast. If your mind sees such things guess what often happens? Yep, you don’t get started. Actually getting started, even if it’s at a slow pace, is a whole lot better than not getting started at all. 8. Compare yourself with yourself. Not with others. Comparing what you have and your results to what other people have and have accomplished can really kill your motivation. There are always people ahead of you. Most likely quite a bit of people. And a few of them are miles ahead. So focus on you. On your results. And how you can and have improved them. Reviewing your results is important so you see where you have gone wrong in the past to avoid similar missteps further on. But it’s also important because it’s a great motivator to see how much you have improved and how far you have come. Often you can be pleasantly surprised when you do such a review. 9. Remember your successes. And let them flow through your mind instead of your failures. Write down your successes. Consider using a journal of some kind since it’s easy to forget your successes. 10. Act like your heroes. Read about them, watch them, listen to them. Discover what they did that was special and what made them tick. But remember that they are people just like us. So let them inspire you instead of looking up at them admiringly. 11. Remember to have fun. Or create fun in a task. Then you’ll stay motivated to do and finish it. 12. Get out of your comfort zone. Face your challenges to get a real boost of motivation. If you are holding yourself back have a look at 5 Life-Changing Keys to Overcoming Your Fear and the methods in this article. They can help you get started and take that first scary step outside your comfort zone. 13. Don’t fear failure. Instead redefine it as feedback and as a natural part of a successful life. As Michael Jordan said: “I’ve missed more than 9000 shots in my career. I’ve lost almost 300 games. 26 times, I’ve been trusted to take the game winning shot and missed. I’ve failed over and over and over again in my life. And that is why I succeed.” Also, try to find the valuable lesson(s) in each of your failures. Ask yourself: What can I learn from this? 14. Do some research on what you are about to do. Then your expectations will be more grounded in reality and you can also get good hints on what difficulties that you might run into along the way. Managing your expectations can lower the often almost explosive initial enthusiasm. But it can also lessen the lack of motivation that usually follows when most of that enthusiasm has dissipated. When you know what has happened to others in similar situations – what path they have walked – you can adapt and try their solutions (and personal variations of those) and your own. This makes the worries and challenges easier to handle. Both emotionally – since you know at least some of the things that will happen and that others have lived through it before – and practically. 15. Figure out why you´re doing something. If you don’t know or don’t have good enough reason to do something then it will be hard to get it done. Do things that you have really strong reasons to do. If you want to do something then figure out a good reason to do it. If you can’t find one consider dropping it and doing something that you have a good reason to do instead. 16. Write down your goals and reasons for working towards them. Tape them on your wall, computer or bathroom mirror. Then you’ll be reminded throughout the day and it becomes easier to stay on track and stay focused. 17. Take The Positivity Challenge! Learn to think more positively most of the time. Learn to let to go of negative threads of thought before they have a chance to take hold of you. You might not be able to be positive all the time no matter what happens. But I think most of us can improve on our positive thinking and the results it can lead us to. Perhaps more than you realize right now. 18. Cut down on TV. Do you watch it too much? Watch less of what they are doing in TV-land and do more of what you want to do in life. 19. Break it down. Break down your task or project into small steps. And just start with focusing on that first small step. When you are done move on to the next and just focus on that one. The small successes will keep your motivation up and keeping your focus away from the big picture stops you from becoming overwhelmed and discouraged. It’s amazing how much you can get done if you follow this simple method. 20. Reprogram your information intake. Program out negative and cynical thoughts from the media and society. Reduce your information intake. Then program in positive news and entertainment, more of your own thoughts and useful information such as personal growth tapes and books. Be selective and keep it positive. 21. Make use of your creativity. Take out a piece of paper. Write at the top of the page what area in your life you would like to have more ideas about. Perhaps you want ideas to earn more money or become a healthier person. Then brainstorm until you have written down 20 ideas on that topic. Then try for 10 more. Not all ideas will be good. But some will. And as you make use of your creativity you not only discover useful ideas. You also discover just how creative you can be if you try and how motivating and great that feels. Have a look at 8 Ways to Spark Your Creativity for more ideas on this topic. 22. Find out what makes you happy. Then do that. As much as you want or can. 23. Listen while you’re on the move. Build your own small library of motivational/personal development tapes. Listen to them while you are driving, riding the bus or your bike, while you are out running or walking. Take a peek at my recommended personal development products if you are looking for a good place to start. 24. Think outside your box. Don’t imagine the future from the box of what you have now. Just because your mind is in box of previous experiences doesn’t mean that´s the limits of the world. Your possibilities are much larger. Create the future from the now and from nothing rather than your past to experience bigger changes with fewer limitations than you would if you created it from what you can see from your box. 25. Make each day count. We don’t have all the time in the world. So focus on today and do the things you really want to do.

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    Gandhi’s Top 10 Fundamentals for Changing the World

    by Henrik Edberg. Print “You must not lose faith in humanity. Humanity is an ocean; if a few drops of the ocean are dirty, the ocean does not become dirty.” “The difference between what we do and what we are capable of doing would suffice to solve most of the world’s problem.” “If I had no sense of humor, I would long ago have committed suicide.” Mahatma Gandhi needs no long introduction. Everyone knows about the man who lead the Indian people to independence from British rule in 1947. So let’s just move on to some of my favourite tips from Mahatma Gandhi. 1. Change yourself. “You must be the change you want to see in the world.” “As human beings, our greatness lies not so much in being able to remake the world – that is the myth of the atomic age – as in being able to remake ourselves.” If you change yourself you will change your world. If you change how you think then you will change how you feel and what actions you take. And so the world around you will change. Not only because you are now viewing your environment through new lenses of thoughts and emotions but also because the change within can allow you to take action in ways you wouldn’t have – or maybe even have thought about – while stuck in your old thought patterns. And the problem with changing your outer world without changing yourself is that you will still be you when you reach that change you have strived for. You will still have your flaws, anger, negativity, self-sabotaging tendencies etc. intact. And so in this new situation you will still not find what you hoped for since your mind is still seeping with that negative stuff. And if you get more without having some insight into and distance from your ego it may grow more powerful. Since your ego loves to divide things, to find enemies and to create separation it may start to try to create even more problems and conflicts in your life and world. 2. You are in control. “Nobody can hurt me without my permission.” What you feel and how you react to something is always up to you. There may be a “normal” or a common way to react to different things. But that’s mostly just all it is. You can choose your own thoughts, reactions and emotions to pretty much everything. You don’t have to freak out, overreact of even react in a negative way. Perhaps not every time or instantly. Sometimes a knee-jerk reaction just goes off. Or an old thought habit kicks in. And as you realize that no-one outside of yourself can actually control how you feel you can start to incorporate this thinking into your daily life and develop it as a thought habit. A habit that you can grow stronger and stronger over time. Doing this makes life a whole lot easier and more pleasurable. 3. Forgive and let it go. “The weak can never forgive. Forgiveness is the attribute of the strong.” “An eye for eye only ends up making the whole world blind.” Fighting evil with evil won’t help anyone. And as said in the previous tip, you always choose how to react to something. When you can incorporate such a thought habit more and more into your life then you can react in a way that is more useful to you and others. You realize that forgiving and letting go of the past will do you and the people in your world a great service. And spending your time in some negative memory won’t help you after you have learned the lessons you can learn from that experience. You’ll probably just cause yourself more suffering and paralyze yourself from taking action in this present moment. If you don’t forgive then you let the past and another person to control how you feel. By forgiving you release yourself from those bonds. And then you can focus totally on, for instance, the next point. 4. Without action you aren’t going anywhere. “An ounce of practice is worth more than tons of preaching.” Without taking action very little will be done. However, taking action can be hard and difficult. There can be much inner resistance. And so you may resort to preaching, as Gandhi says. Or reading and studying endlessly. And feeling like you are moving forward. But getting little or no practical results in real life. So, to really get where you want to go and to really understand yourself and your world you need to practice. Books can mostly just bring you knowledge. You have to take action and translate that knowledge into results and understanding. You can check out a few effective tips to overcome this problem in How to Take More Action: 9 Powerful Tips. Or you can move on to the next point for more on the best tip for taking more action that I have found so far. 5. Take care of this moment. “I do not want to foresee the future. I am concerned with taking care of the present. God has given me no control over the moment following.” The best way that I have found to overcome the inner resistance that often stops us from taking action is to stay in the present as much as possible and to be accepting. Why? Well, when you are in the present moment you don’t worry about the next moment that you can’t control anyway. And the resistance to action that comes from you imagining negative future consequences – or reflecting on past failures – of your actions loses its power. And so it becomes easier to both take action and to keep your focus on this moment and perform better. Have a look at 8 Ways to Return to the Present Moment for tips on how quickly step into the now. And remember that reconnecting with and staying in the now is a mental habit – a sort of muscle – that you grow. Over time it becomes more powerful and makes it easier to slip into the present moment. 6. Everyone is human. “I claim to be a simple individual liable to err like any other fellow mortal. I own, however, that I have humility enough to confess my errors and to retrace my steps.” “It is unwise to be too sure of one’s own wisdom. It is healthy to be reminded that the strongest might weaken and the wisest might err.” When you start to make myths out of people – even though they may have produced extraordinary results – you run the risk of becoming disconnected from them. You can start to feel like you could never achieve similar things that they did because they are so very different. So it’s important to keep in mind that everyone is just a human being no matter who they are. And I think it’s important to remember that we are all human and prone to make mistakes. Holding people to unreasonable standards will only create more unnecessary conflicts in your world and negativity within you. It’s also important to remember this to avoid falling into the pretty useless habit of beating yourself up over mistakes that you have made. And instead be able to see with clarity where you went wrong and what you can learn from your mistake. And then try again. 7. Persist. “First they ignore you, then they laugh at you, then they fight you, then you win.” Be persistent. In time the opposition around you will fade and fall away. And your inner resistance and self-sabotaging tendencies that want to hold you back and keep you like you have always been will grow weaker. Find what you really like to do. Then you’ll find the inner motivation to keep going, going and going. You can also find a lot of useful tips on how keep your motivation up in How to Get Out of a Motivational Slump and 25 Simple Ways to Motivate Yourself. One reason Gandhi was so successful with his method of non-violence was because he and his followers were so persistent. They just didn’t give up. Success or victory will seldom come as quickly as you would have liked it to. I think one of the reasons people don’t get what they want is simply because they give up too soon. The time they think an achievement will require isn’t the same amount of time it usually takes to achieve that goal. This faulty belief partly comes from the world we live in. A world full of magic pill solutions where advertising continually promises us that we can lose a lot of weight or earn a ton of money in just 30 days. You can read more about this in One Big Mistake a Whole Lot of People Make. Finally, one useful tip to keep your persistence going is to listen to Gandhi’s third quote in this article and keep a sense of humor. It can lighten things up at the toughest of times. 8. See the good in people and help them. “I look only to the good qualities of men. Not being faultless myself, I won’t presume to probe into the faults of others.” “Man becomes great exactly in the degree in which he works for the welfare of his fellow-men.” “I suppose leadership at one time meant muscles; but today it means getting along with people.” There is pretty much always something good in people. And things that may not be so good. But you can choose what things to focus on. And if you want improvement then focusing on the good in people is a useful choice. It also makes life easier for you as your world and relationships become more pleasant and positive. And when you see the good in people it becomes easier to motivate yourself to be of service to them. By being of service to other people, by giving them value you not only make their lives better. Over time you tend to get what you give. And the people you help may feel more inclined to help other people. And so you, together, create an upward spiral of positive change that grows and becomes stronger. By strengthening your social skills you can become a more influential person and make this upward spiral even stronger. A few articles that may provide you with useful advice in that department are Do You Make These 10 Mistakes in a Conversation? and Dale Carnegie’s Top 10 Tips for Improving Your Social Skills. Or you can just move on to the next tip. 9. Be congruent, be authentic, be your true self. “Happiness is when what you think, what you say, and what you do are in harmony.” “Always aim at complete harmony of thought and word and deed. Always aim at purifying your thoughts and everything will be well.” I think that one of the best tips for improving your social skills is to behave in a congruent manner and communicate in an authentic way. People seem to really like authentic communication. And there is much inner enjoyment to be found when your thoughts, words and actions are aligned. You feel powerful and good about yourself. When words and thoughts are aligned then that shows through in your communication. Because now you have your voice tonality and body language – some say they are over 90 percent of communication – in alignment with your words. With these channels in alignment people tend to really listen to what you’re saying. You are communicating without incongruency, mixed messages or perhaps a sort of phoniness. Also, if your actions aren’t in alignment with what you’re communicating then you start to hurt your own belief in what you can do. And other people’s belief in you too. 10. Continue to grow and evolve. ”Constant development is the law of life, and a man who always tries to maintain his dogmas in order to appear consistent drives himself into a false position.” You can pretty much always improve your skills, habits or re-evaluate your evaluations. You can gain deeper understanding of yourself and the world. Sure, you may look inconsistent or like you don’t know what you are doing from time to time. You may have trouble to act congruently or to communicate authentically. But if you don’t then you will, as Gandhi says, drive yourself into a false position. A place where you try to uphold or cling to your old views to appear consistent while you realise within that something is wrong. It’s not a fun place to be. To choose to grow and evolve is a happier and more useful path to take.

    TIPS UNTUK BERJAYA 10

    These five FOCUS tips can help you concentrate better — whether you’re working in a busy office, studying at school, sitting in a meeting, or trying to finish a project.
    F = Five More Rule There are two kinds of people — those who have learned how to work through frustration, and those who wish they had. From now on, if you’re in the middle of a task and tempted to give up — just do FIVE MORE. Read FIVE MORE pages. Finish FIVE MORE math problems. Work FIVE MORE minutes. Just as athletes build physical stamina by pushing past the point of exhaustion, you can build mental stamina by pushing past the point of frustration. Just as runners get their second wind by not giving up when their body initially protests, you can get your “second mind” by not giving up when your willpower initially protests. Continuing to concentrate when your brain is tired is the key to S-T-R-E-T-C-H-I-N-G your attention span and building mental endurance.
    O = One Think At a Time Samuel Goldwyn said, “If I look confused, it’s because I’m thinking.” Feeling scatter-brained? Overcome perpetual preoccupation with the Godfather Plan — make your mind a deal it can’t refuse. Yes, the mind takes bribes. Instead of telling it NOT to worry about another, lesser priority (which will cause your mind to think about the very thing it’s not supposed to think about!), assign it a single task with start-stop time parameters. For example, “I will think about how to pay off that credit card debt when I get home tonight and have a chance to add up my bills. For now, for the next thirty minutes from 1-1:30 pm, I will give my complete focus to practicing this presentation so I am eloquent and articulate when pitching this proposal to our VIP clients.” Still can’t get other concerns out of your head? Write them down on your to-do list so you’re free to forget them. Recording worrisome obligations means you don’t have to use your brain as a “reminder” bulletin board, which means you can give your undivided attention to your top priority task.
    C = Conquer Procrastination Don’t feel like concentrating? Are you putting off a task or project you’re supposed to be working on? That’s a form of procrastination. R. D. Clyde said, “It’s amazing how long it takes to complete something we’re not working on.” Next time you’re about to postpone a responsibility ask yourself, “Do I have to do this? Do I want it done so it’s not on my mind? Will it be any easier later?” Those three questions can give you the incentive to mentally apply yourself because they bring you face to face with the fact this task isn’t going away, and delaying will only add to your guilt and make this onerous task occupy more of your mind and time.

    U = Use Your Hands as Blinkers Picture your mind as a camera and your eyes as its aperture. Most of the time, our eyes are “taking it all in” and our brain is in “wide-angle focus.” We can actually think about many things at once and operate quite efficiently this way (e.g., imagine driving down a crowded highway while talking to a friend, fiddling with the radio, keeping an eye on the cars beside you, and watching for your exit sign.) What if you want to switch to telephoto focus? What if you have to prepare for a test and you need 100% concentration? Cup your hands around your eyes so you have “tunnel vision” and are looking solely at your text book. Placing your hands on the side of your face blocks out surroundings so they are literally “out of sight, out of mind.” Think about the importance of those words. Want even better news? Does the name Pavlov r-r-r-ring a bell? If you cup your hands around your eyes every time you want to switch from wide-angle to telephoto focus, that physical ritual becomes a Pavlovian trigger. Remember? Pavlov rang the bell, fed the dog, rang the bell and fed the dog, until the dog started salivating as soon as he heard the sound of the bell. Similarly, using your hands as blinkers every time you want to narrow your focus teaches your brain to switch to “one track” mind and concentrate on your command.

    S = See As If For the First or Last Time Want to know how to be “here and now” and fully present instead of mindlessly rushing here, there, and everywhere? Frederick Franck said, “When the eye wakes up to see again, it suddenly stops taking anything for granted.” Evelyn Underhill said, “For lack of attention, a thousand forms of loveliness elude us every day.” I constantly relearn this lesson. One time I was giving my sons their nightly back rub. Although I was sitting right next to them, I might as well have been in the next country because I was thinking of the early morning flight I needed to take the next day and wondering if I had packed my hand-outs, if my ticket was in my purse, etc. Suddenly, my unfocused eyes fell upon my sons and I truly SAW Tom and Andrew as if I was looking at them for the first time. I was immediately flooded with a sense of gratitude for these two healthy, thriving boys. I felt so blessed to have been gifted with such wonderful sons. In an instant, I went from being absent-minded to being filled with a sense of awe and appreciation for their presence in my life. Next time your mind is a million miles away, simply look around you and really SEE your surroundings. Study that exquisite flower in the vase. Get up close to the picture on the wall and marvel at the artist’s craftmanship. Lean in and really look at a loved one you tend to take for granted. This will “Velveteen Rabbit” your world and make it come alive in your mind’s eye.

    TIPS UNTUK BERJAYA 11

    YOU MUST HAPPY WITH YOUR LIFE THAN YOU WILL SUCCESS

    Here is the happiness training routine suggested by your happiness coach.

    1. Happiness is a State of Mind. Remember that happiness is mostly dependent on our state of mind, not on our status in society or the size of our bank account. As long as we are not in poverty, as long as we have the means for adequate food and shelter, our level of well-being is determined by what we choose to focus on (the full or the empty part of the glass) and by our interpretation of external events. There’s a little joke about the glass that is half full. The optimist sees the glass and says, “The glass is half full.” The pessimist looks at the glass and says, “The glass is half empty.” The industrial engineer looks at the glass and says, “You have twice as much glass as you need for the job!”For most of us, early childhood was a time of rapturous happiness. Everywhere we looked were fresh new sights and experiences. Life made powerful impressions on us. We lived in the moment with each new experience, neither judging it against the past, because we didn’t have much past to judge against, nor trying to build a future on it. We had little sense of time passing, and we lived in each moment that presented itself, happily and fully. We were less self-aware, and our thoughts were turned outward. It is that experiential sense of life that we want to recover that brings happiness with it.
    1. Treat Yourself Like Your Favorite Child. The caring, the attention, the concern that you would give a small child, give that same attention to yourself. Put good food on your plate at regular times. Listen to your inner voice. Set up regular times for exercise, reading and sleep, and discipline yourself to keep that schedule. Make sure you meet friends, take care of your health, and practice moderation. Think about the person who is you. Do you have what you need for a good life? You would not treat someone you love the way you have been treating yourself. Love yourself.
    1. Create Moments of Happiness. What gives you happiness depends on who you are. Do you enjoy a half hour of exercise? A few minutes of absolute quiet? A evening with a crowd of friends? A hike in the woods? Plan your own happiness for today. If you use a day planner, schedule time for your Moment of Happiness. Give it the top priority. Let nothing distract you from it. Pay attention to how you feel during this experience and let happiness come. Live in that moment of happiness. Relive the moment again later. Journal it. Remember it.
    1. Clear Out Unhappiness. What obstacles to happiness are there in your life? These can weigh you down, so that it’s hard to be happy. Pay attention to what makes you feel unhappy. Are you especially fearful, sad or anxious? Find someone you can talk to about your feelings. Avoid things that make you unhappy. See less of unpleasant people whenever possible. Talk less and dwell less on your difficulties. Do not gossip or complain or envy others. If a problem is dragging you down, solve it or deal with it; put it behind you as soon as you can. If your thoughts make you unhappy, practice changing your thoughts to more positive ones. If your habits are bad for you, make up your mind to change them and find help to change them. If you have an addictive behavior, recognize it, admit to it and lay a plan for recovery. You have the power to recreate your life and reclaim happiness.
    1. Embrace Happiness. Happiness is contagious. You can catch happiness just by talking to happy people. Read books with a happy outlook. Listen to pleasant music with an easy tempo. Sing along or hum if you don’t know the words. Develop a friendship with a cheerful person. Spend time dancing to music. Stretch often. Exercise often. Tell yourself jokes. Practice positive thinking. Look for the good in the moment. Expect happy things and you will find them.
    1. Keep a Gratitude Journal. Positive emotions create feelings of happiness. Optimism, hopefulness, curiosity and gratitude are part of the basket of emotions that makes up happiness. One emotion that is most valuable is gratitude. The exercise of keeping a daily Gratitude Journal is a tool that builds happiness. Every day you can write down in your Gratitude Journal the things that you are grateful for. Journaling encourages you to notice the good things that happen and calls to your attention the positives of your day. Don’t take your life for granted. Your journal entries may be simple, like finding a good parking place, or another day when the car didn’t break down, or an exchanged hello. You might mention an accomplishment at work, a good meal, a phone call that mattered. When you start looking for moments worthy of your gratitude in your day, you will find many of them.
    1. Know Your Emotions. When you feel sadness, accept it as a natural part of life. When you accept emotions such as fear, sadness or anxiety, you are more likely to recover quickly. Rejecting our emotions, positive or negative, leads to frustration and unhappiness. Setbacks are also part of life. Don’t be hard on yourself. Give yourself permission to be human.Do you think that more money will make you happier? Everyone, rich and not so rich, believes that with a little more money they would be happier. There are several research studies on the happiness of lottery winners. The studies seek to determine if a mega-million jackpot makes the winner happier. Initially, the winner enjoys a period of euphoria, as he considers the world of possibilities that have opened up. But after a few months of conspicuous consumption, the lottery winner returns to his previous level of happiness. A blithe spirit will return to a peaceable frame of mind. A worried spirit will worry about losing the money. An impulsive spirit will be able to afford more impulsive behaviors. The lottery money may even lead to a feeling of discontent, as more money fuels more unsatisfied desires. Strange but true, we are as happy as we are, for reasons that have nothing to do with money or status.
    1. Pretend That You Are Happy. How does an actor portray a happy person? Cast yourself in that role, and behave as if you are that happy character. Being happy makes you happy. This sounds like an illogical recursion, but it’s not. Acting as if you’re happy will make you happier. When someone smiles at you or you see the picture of a smile, you feel calmer and relaxed. Tickling raises the laughing response, too. Laughing, like a gentle aerobic exercise, reduces levels of stress hormones, allows the lungs to take in more oxygen, and increases the metabolism.Did you know there are Laughter Clubs just to enjoy the benefits of laughter? These clubs are gatherings of people who spend a half hour together laughing heartily. They benefit from the laughing reflex, even when they don’t feel like laughing. Going through the motions of a good rollicking laugh for no reason at all chases stress and worry away. The clubs celebrate World Laughter Day on the first Sunday in May, but you don’t have to wait until then to practice your laughing.
    1. Simplify! We are generally too busy, trying to squeeze in more and more activities into less and less time. Quantity influences quality, and we compromise on our happiness by trying to do too much. Last week at the supermarket, I was almost run down by a shopper pushing a grocery cart. He was talking on his cell phone and barged into the intersection of two aisles without a look-see. Instinctively, I grabbed his cart to hold it back. After the mini-incident, he still couldn’t interrupt his phone conversation long enough to offer me a “Sorry.” His electronic conversation took precedence over the in-person one. I don’t think he really noticed me at all, even after the incident.The skill of multi-tasking is highly overrated. Folks who study the brain and how it works say that we really don’t multi-task at all. If we try to do two things at once, we slight one of the jobs in favor of the other. We really can’t concentrate on two things at once. Either we neglect the one and focus on the other, or we are entirely distracted by a third event. The brain is not like a computer with two central processors running. The brain is more like a single computer processor, which we train to do time-slicing. A brief interval on this task, then an interrupt signal, then a brief slice of time on the second task. Time-slicing works for the computer, because the tasks are programmed for it. For us humans, time-slicing uses up more time than it saves. Multi-tasking makes us anxious.The inventions of modern life, although they benefit us, can also make us feel stressed and unsettled. Avoid watching television, particularly the news. Take a holiday from the televised horror and disaster. Shut off your cell phone and your electronic devices. Even checking your email leads to anxiety. Have you heard of the Luddites? They were a nineteenth century group who opposed factories and mechanization. They believed it would dehumanize us. What would Luddites think of our electronically driven lifestyle, I wonder? Reclaim some free time for yourself.
    1. Give of Yourself. Give your time and your caring. Don’t expect acknowledgment or gratitude in return. Just give. Volunteer for a cause that you care about. Give a small gift to share with someone. Baby-sit a child. Adopt a pet or take care of someone else’s pet. When people want to talk, give them your attention and make the effort to listen to them. Share yourself and your life with other people.
    1. Be Spontaneous. Take the opportunity to enjoy life as it happens. Be curious about life. Be inquisitive. Be amazed. Be amused. Make it your New Year’s resolution to try new things. Better yet, don’t wait until the New Year to make your resolution. We’re not talking about extreme activities like bungee jumping or moving to Sri Lanka. But do resolve to visit new places, try new foods, meet new people, plan new activities. Resolve to get out of your rut whenever you can. Events that take you out of your comfort zone make you more aware of life, and, yes, happier.
    1. Find Work That You Love. When you were ten years old, what did you enjoy doing most? What do you do when you don’t have to go to work? What do you enjoy so much that you don’t have to be paid to do it? Look in that direction for your career or your hobby. Find meaningful activities that give you a sense of accomplishment and enjoyment. Perhaps you’ve heard this wise saying: The person who has a job she loves will never have to work a day in her life.What are your aptitudes? Examine your abilities and skills. Try out different activities that interest you. Learn and practice your skills. Your interest will grow naturally, the way a flower turns toward the sun. Think about the job you want, talk it up, meet people in the field, and then go all out for it. When your activities have meaning and value, you will find happiness. Concentrating deep in thought as you seek to understand something is itself a pleasure. It creates a sense of satisfaction and, yes, happiness.
    1. Practice Being Happy. Happiness lies at the intersection of pleasure and meaning. Whether at work or at home, your goal is to engage in activities that are both personally significant and enjoyable. These activities will add the buzz of happiness to boost your mood throughout the week. Hang a funny cartoon on the door. Get a funny book to read. Toss a Frisbee outside. Memorize a joke and tell it to a friend. Sit still and try to clear your mind of thoughts. Plan a get-together. Clean something. Learn to ride a bike again. Watch a tree in the wind. Make cookies for someone. Plant something. Paint something. Study something. Speak kindly to someone. Visit a new part of town. Smell the roses. You will restore your sense of playfulness and your sense of relaxation. You will increase your sense of well-being and harmony.

    TIPS UNTUK BERJAYA 12

    5 tips usahawan berjaya

    1. MERANCANG DAN DAPATKAN HASIL Tidak kira di mana sahaja di dunia, kebolehan merancang dan mendapatkan hasil adalah tugasan yang paling berharga sekali. Tidak kira dalam bidang politik, keluarga atau individu, merancang akan dapat membuahkan hasil yang lebih teratur dan baik. Begitu juga dalam perniagaan. Untuk menjadi usawahan yang berjaya, kebolehan merancang dan mendapatkan keputusan adalah amat penting. Sebelum memulakan apa sahaja perniagaan, satu perancangan yang lengkap perlu diadakan (jangan nak main terjun sahaja!). Apabila perniagaan sudah dimulakan, perancangan masih diperlukan dalam menganalisa strategi pemasaran untuk mengembangkan perniagaan anda. Apabila perniagaan anda sudah maju, perancangan masih diperlukan untuk memastikan perniagaan anda mendapat pasaran terbesar dan tidak diambil oleh pesaing anda! Dalam setiap peringkat perniagaan, perancangan dimestikan dan tidak pernah ditinggalkan oleh usahawan yang berjaya. Usahawan yang berjaya akan sering Tanya pada diri sendiri: – Apakah keputusan yang diinginkan dalam perniagaan ini? – Bagaimana keputusan itu dapat dicapai? – Siapa yang dapat membantu mengembangkan perniagaan ini? – Apakah kebolehan atau ilmu tambahan yang saya perlukan untuk mengembankan perniagaan ini? Kebolehan anda untuk mendapatkan hasil dan bertanggungjawab atas keputusan anda adalah tanda seorang usahawan yang gemilang. 2. BERI LEBIH DARIPADA APA YANG DISANGKAKAN Kunci kejayaan sesuatu perniagaan adalah untuk melakukan lebih daripada apa yang disangkakan. Bak kata mat salleh, “Go the extra mile!”. Maksudnya adalah untuk anda melakukan tugasan anda dalam perniagaan lebih daripada apa yang disangkakan oleh orang lain. Kebiasaannya, seorang pekerja hanya akan melakukan tugasannya apabila disuruh. Pekerja akan melakukan kerja berdasarkan pendapatan yang diterima. Tetapi, untuk menjadi usahawan yang berjaya, menteliti sebagai “pekerja” tidak lagi boleh disimpan. Pelanggan akan mengetahui bahawa anda sanggup bekerja ekstra untuk memenangi hati mereka. Usahawan lain juga akan dapat melihat peluang bekerjasama dengan anda oleh kerana anda berusaha sekeras-kerasnya dalam perniagaan anda. Melakukan kerja lebih daripada apa yang disangkakan akan membuka pintu rezeki kepada perniagaan anda. 3. MEMASAR DAN MENJUAL! Ini adalah kunci utama kejayaan sesuatu perniagaan- pemasaran dan menjual! Tahukah anda bahawa lebih 95% perniagaan baru gagal dalam tahun pertama ia ditubuhkan? Ya, statistik ini amat mengejutkan bagi bakal-bakal usahawan. Namun, sekiranya anda mempunyai cirri-ciri usahawan yang berjaya, ia dapat menjauhkan daripada statistic ini. Kebolehan memasar dan menjual apa yang anda niagakan adalah nadi kepada apa jua jenis perniagaan. Kebolehan yang diperlukan adalah: – Kebolehan berkomunikasi – Kebolehan merunding – Kebolehan memujuk pembeli membeli – Kebolehan menjual produk atau perkhidmatan anda Kunci kejayaan apa jua perniagaan adalah jualan dan keuntungan yang tinggi. Tanpa kebolehan “menjual”, matlamat sesuatu perniagaan tidak dapat dicapai. Aliran wang (cash flow) adalah amat penting dalam perniagaan dan aliran wang hanya akan diperolehi melalui menjual produk dan perkhidmatan anda. Oleh kerana menjual adalah amat penting dalam perniagaan, pelajari kaedah-kaedah menjual melalui buku-buku, seminar perniagaan dan juga seminar komunikasi. Dua tip dalam menjual: 1. Seseorang itu tidak dilahirkan boleh menjual! Menjual adalah suatu kebolehan yang boleh dipelajari. Seperti menunggang basikal, ianya agak sukar pada peringkat awal. Tetapi, apabila berkali-kali melakukan perkara yang sama, ia menjadi semakin mudah. 2. Komunikasi adalah penting dalam perniaagaan. Namun, berkomunikasi bukan sekadar maksudnya banyak bercakap! Tetapi juga untuk bijak mendengar. 85% kejayaan anda adalah bergantung kepada mereka disekeliling anda. Pelajari kaedah berkomunikasi, mendengar, memujuk, persembahan untuk mendapat kerjasama dari pelbagai pihak dalam membantu menjayakan perniagaan anda. 4. FAHAMI ANGKA PERNIAGAAN Dimana kebolehan utama seseorang usahawan yang berjaya seperti yang telah dibincangkan adalah yang melibatkan apa yang dapat dilihat oleh orang ramai, namun jangan sesekali mengabaikan perkara-perkara yang tidak dapat dilihat oleh orang ramai- iaitu angka-angka perniagaan anda! Kebanyakan usahawan lebih fokus kepada strategi memajukan perniagaan dengan memberi tumpuan kepada pekerja, pelanggan, produk, perkhidmatan dan pemasaran sehinggakan melupakan isu penting iaitu penyata kewangan. Anda tidak perlu menjadi pakar dalam bidang perakaunan, tetapi, apa yang penting adalah untuk anda fahami penyata kewangan anda. Tugasan mengurus penyata kewangan boleh diagihkan kepada mereka yang lebih bertauliah. Namun, sebagai usahawan yang berjaya, anda perlu memahami pengiraan wang dalam penyata kewangan anda supaya wang yang masuk tidak menjadi wang keluar sehingga menjejaskan keuntungan keseluruhan perniagaan anda! 5. TIDAK PUTUS ASA MENCUBA Warga Forum sekalian, seperti yag dikatakan sebelum ini, 95% perniagaan akan gagal. Ini bermaksud, anda hanya mempunyai 5% peluang untuk berjaya! Sedih bunyinya bukan? Kunci terkahir adalah tidak berputus asa! Anda kenali manusia terkaya didunia, Bill Gates. Tahukah anda bagaimana beliau menjadi manusia terkaya dalam perniagaannya yang boleh dikatakan yang paling berjaya di dunia? Pada ketika ini sahaja Microsoft sedang membangunkan dan menguji lebih darpada 1,600 produk dan perkhidmatan yang balum lagi dipasarkan dimana kebanyakannya tidak akan dipasarkan pun dan dikira sebagai projek gagal. Mengapa begini? Microsoft tahu bahawa lebih banyak mencuba, maka lebih banyak peluang menjumpai kejayaan. Usahawan yang berjaya adalah mereka yang tidak putus asa dalam usahanya untuk menjumpai 5% peluang kejayaan itu. Walaupun dikatakan 9/10 rezeki datangnya dari perniagaan, rezeki tersebut tidak akan tercapai sekiranya anda tidak mendalami ilmu perniagaan. Ambil langkah demi langkah dan pelajari selok belok perniagaan. Kejayaan perniagaan akan datang kepada anda sekiranya anda mendalami ilmunya.

    TIPS UNTUK BERJAYA 13

    1. Anda bukanlah berunding dengan syarikat,jabatan, organisasi dan sebagainya. Tetapi anda berunding dengan manusia—jadi anda perlu mengambil kira kepentingan yang akan diperoleh oleh pihak yang satu lagi. Sebab setiap orang yang sentiasa ingin mendapat faedah. 2. Persepsi adalah realiti—manusia sentiasa membuat keputusan berdasarkan apa yang difikirkan sebagai benar. Jadi anda perlulah cuba untuk membina persepsi yang positif untuk pihak yang lain. 3. Sentiasa bersedia menarik diri daripada rundingan—kadang-kala terdapat sesetengah pihak yang cuba mengambil kesempatan. Rundingan bukan beerti anda harus korbankan segala. Jadi anda perlulah membuat keputusan secara bijak. Bukan hanya memberi keuntungan kepada sebelah pihak sahaja. 4. Seandainya anda perlu memberikan komisen maka anda juga perlu mendapatkan komisen— bila anda orang meminta sesuatu daripada anda maka anda perlulah meminta sesuatu sebagai balasan (barangkali tindakan ini adalah untuk mendapatkan suatu bentuk jaminan, kira main tarik tali la nie) 5. Jangan bertolak ansur dengan diri sendiri— untuk penyataan ini saya pun x berapa nak faham. Tapi bunyinyer macam lebih kurang jangan menjadi pak sanggup. dengan erti kata lain jangan dedahkan diri kepada komitmen sebelum diberikan tawaran. 6. Kembangkan isu-isu dalam perundingan— cari jalan untuk “menjual” sesuatu yang rendah nilainya pada anda tetapi tinggi nilainya untuk pihak lain.Sebagai balasan dapatkan sesuatu yang tinggi nilaiannya buat anda tetapi rendah nilainya buat pihak lain. 7. Jangan tamak— penyakit tamak ini akan menjadi pembunuh kepada rundingan anda. Apa yang perlu untuk anda lakukan menumpukan kepada hubungan jangka panjang. Anda seharusnya membiarkan pihak yang satu lagi berasa bahawa mereka mendapat “lebih daripada perjanjian yang adil”. 8. Elakkan perundingan yang bersifat konfrontasi— Anda perlu mencari asas yang sama dengan pihak yang merunding supaya tidak berlaku bersekutu. Jadikan perundingan sebagai proses untuk mencari penyelesaian kepada masalah. 9. Berunding dengan kepentingan bukan jawatan— Kenal pasti kepentingan dan keperluan yang sebenar di sebalik kedudukan dan lihat melalui pandangan orang lain untuk memenuhi keperluan tersebut. 10. Fahami prinsip kemerosotan nilai dalam perkhidmatan— berundinglah berkaitan pampasan dan ganti rugi sebelum melaksanakan perjanjian anda kerana nilai perkhidmatan akan jatuhmendadak setelah anda melakukan perkhidmatan tersebut atau setelah anda menghantar barangan tersebut.

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    34 Little Ways to Share With the World

    Post written by Leo Babauta. Follow me on twitter or identica.

    As kids, we’re taught that sharing is good, and yet competition is what is really drilled into us. We compete for profits, positions in a corporation, status symbols, space. We’re tearing each other down instead of building each other up. A culture of sharing has always existed, from the earliest tribal times, and it’s seeing a resurgence on the Internet these days. This is a good thing. I’ve written many times before about helping others, developing an attitude of giving and compassion, and having faith in humanity. As have many others. But now we’re going to look at where the rubber meets the road: how you can start sharing today. Build communities, beautiful public spaces, stop thinking about private property and how you can build fences, and start thinking about ways to use common resources to reduce wastefulness and to start tearing down those fences. Here are some ideas to get you started:

    1. Help an entrepreneur with a Kiva donation.
    2. Volunteer your services with a homeless shelter, soup kitchen, or other charity organization.
    3. Donate money, food, or others goods to charity.
    4. Bake cookies or brownies and share with a neighbor.
    5. Put your favorite recipes on a blog and share with the world.
    6. Volunteer your expertise (whatever it is) to the world, and give those services to anyone who needs them.
    7. Give step-by-step instructions for doing something valuable you know how to do, online, for all to read.
    8. Give your books away to friends or charities.
    9. Start a community garden in your neighborhood, or contribute to an existing one.
    10. Start a CSA, or become a member of one that exists.
    11. Become a member of Freecycle, and participate.
    12. Join or form, and participate in a cooperative (food, bikes, books, housing, more).
    13. Give people a ride in your car. Carpool.
    14. Let strangers use your car when you don’t need it.
    15. Hold potlucks every week, rotating among friends/family.
    16. Look into co-housing.
    17. If you own copyrighted work, uncopyright it.
    18. Perform random acts of kindness.
    19. When someone wants to repay you for something, ask them to pay it forward instead.
    20. Contribute code to Free and Open-Source Software (FOSS).
    21. Donate money to a small programmer who has created FOSS, or buy shareware.
    22. Clean up a park near you.