A Dollar A Day, A Minute At A Time

Read The One Minute Millionaire or Go to www.oneminutemillionaire.com

No matter your present circumstances, here are the four steps to your first million.

1. Decide that it's okay for you to become a millionaire.

Some people believe that the accumulation of wealth is an unworthy goal. Before you begin you journey to become an Enlightened Millionaire, search your attitudes to make sure you are willing to create wealth in a way that will support your inner beliefs and values.

2. Practice imagining yourself enjoying an abundant lifestyle.

All great fortunes are started in someone's imagination. See yourself living in the home of your dreams, enjoying ideal relationships with friends and loved ones, contributing to the world through your own unique talents and abilities. Imagine the fortune you could create and the good it could do. Believe it and you will see it.

3. Spend less than you earn.

But how? Pay yourself first. Deduct 10% off the top of your income, and deposit it into your investment account. Convert all your credit cards except one to debit cards so it is impossible fo you to go into debt. Then live on what is left over.

4. Invest the difference

Invest your 10% surplus into investments that can earn at least 10%. A dollar a day invested at 10% interest becomes a million dollars in 56 years. In other words, anyone can become a millionaire by investing only a dollar a day-30 bucks a month. If you want to become a millionaire faster, then invest more money or find ways to make your money grow at higer rates of return.

You can become a Millionaire.

• It only takes a minute to decide it.
• It only takes a minute to visualize it.
• It only takes a minute to save it.
• It only takes a minute to invest it.

A dollar a day-a minute at a time-you can get there. Slowly but surely.

A Dollar a Day and You are Millionaire

In many ways, we always think the impossible is really an impossible. Maybe because we focus too much on the final result. But what is more important is the journey. A small act everyday, through persistence routine can yield a magnificent result.

How many of us believe that anyone can be millionaire by putting a dollar aside each day? If this is possible, we surely have many millionaires in this world, rite? The problem is we always look at other people and choose to believe what the majority believe.

A Dollar a Day ..... A Slow Way

One of the greatest human invention in the world of investment and economics is 'interest'. I am talking about good interest here, not the bad one. The interest (or dividend) is simply the return that we get for the investment which is made. Usually in term of percentage and at yearly basis, although not necessarily. However, interest by itself is not really helpful to make us rich. The interest need to be compounded year in and year out. This simply means reinvesting the interest as investment.


"A great physicist, Albert Einstein once referred to compounded interest as the eight wonder of the world"
How A Dollar A Day Can Turn to ONE MILLION at Different Rate in 66 Years

Invest In	Interest		Amount Accumulated
(Hidden in a mattress)	0%		$24,000
(In a savings account)	3%		$77,000
(Certificates of deposit)	5%		$193,000
(Corporate bonds)	8%		$1,000,000
(Growth mutual funds)	10%		$2,700,000
(Aggressive growth mutual funds)	15%		$50,000,000
(Real Estate, businesses)	20%		$1,000,000,000
			(That's One Billion!)

See that!! We can be a millionaire given that you put aside a dollar each day at the right place. We just need to be consistent and live long enough. In country like Malaysia, it is not hard to find place to put in your money. Amanah Saham Bumiputra (ASB) is one of great place to start. The fund consistently yield dividend no less than 7% each year (Dividend + Bonus). Buy..Hey!!! That is a dollar a day, 30 dollars a month. How about putting extra..60 Dollars a month, or 100 Dollars a month. Get it now???

But I am at thirties right now. How I can buy back the 30 years which had passed?

Do not despair. Our first mistake was : not to initiate the investment a long time ago. But the biggest mistake is not to start it now. Remember, the journey is more important than the destination.

I know I am Rich

Millionaire? But I Earn only Few Hundreds Bucks...How I can save?

For me, this is a tough subject. Many people may ask me, how I can save when I earn little. Just enough to survive for another month. Have to pay bills, mortgages, unexpected and urgent payments and emergencies.

To be honest, I cannot answer this query with satisfactory explanation even to myself. This is mainly because I have no experience having so little money at any particular period of time. My life is a blessing and I am very thankful to God. This does not mean that I am coming from a rich family. But the opportunity and money is not something that I have to worry about. To illustrate this, let me tell my story.

Do you remember when is the first time you feel rich? I do. I start to feel that I live rich when I started university life. Rich is a relative perception. I refer to being rich is equal to having a calm and peaceful mind, having not to worry about money excessively. Every month, I meet my ends and needs.

By end of each month, I knew that there will be money in my bank account. It is not much, 240 pounds from the scholarships ( I was in Manchester that time). It is enough to eat and buy clothes. But the main factor how I survive was because I live below my own mean. I am not used to buy expensive clothing, perfume or concert tickets. The only things I spent my money on were books and electronics. I waited for boxing day to buy a nice jacket at at least 50% discount. I waited for summer and winter sale. I used online to buy cheaper books and electronics. I walked and cycled to university rather than took the bus. I brought home made sandwich and water for lunch. I did not make impulse purchases. I will wait for months to buy a camera just to find the cheapest deal and slowly save money for the item.

In young man's world, there are only two reason that messing our life. First is money, and second one is 'girl'. If I have a gilfriend, I will not buy her expensive thing. But do many small things that make big impact. Spend money on a romantic picnic at nearby park in easter rather go to expensive restaurant for dinner. Give her a cute little teddy when you are away rather buying her expensive necklace. Or start with a right choice, find girl with 'less maintenance'..Hehe.. unless u were born rich.

Jump Of Life

JuMp of My LiFe :: NortEast Coast of Ireland

JuMp of My LiFe :: Abu Dhabi Desert

I start to think is it a good idea to post more pictures in this blog. Certainly, I would like to remain anonymous in the cyber space. A place where people get connected without having to know each other personally. A community that is built on common cause, neither by cultural and economical background nor the physical appearance. But I start to like to snap pictures of me hanging on the air. Remind me of how love, money, success, knowledge, peace, freedom, opportunity, and health are abundance in this world. And people can share this thing together without selfishness.

Oil Price Hits USD126

Oil: After hitting $126, is $150 far behind? (05.09.2008)

Oil leaped into uncharted territory Friday, soaring past the $126-a-barrel mark for the first time, and leaving analysts and investors wondering how high the price will go.

Oil holds above $123 (05.08.2008)

Oil prices held steady Thursday in Asia after jumping to a record near $124 a barrel as investors captivated by the market's upward momentum seemed to ignore figures showing an increase in U.S. cru...

Why $120 oil is good (05.07.2008)

Speculators are often blamed for artificially inflating crude prices, but some experts say that's exactly what's needed to cut demand and develop new resources.

Analyst: $200 oil could be ahead (05.06.2008)

A Goldman Sachs analyst predicted Tuesday that oil prices could reach $150 to $200 a barrel over the next six months to two years, but said that how far prices could climb still "remains a major un...

The Witch of Portobello

Time: 0434 Abu Dhabi Sat, May 10

This week has been a fruitful week. Managed to read 2 books despite of 6am to 6pm tight schedule. The first book was The Witch of Portobello by Paulo Ceolho. The story of Athena evolves around a mystical journey of a women who want to help other, who discover an ability which bring destruction to herself. Her life is told by the many who knew her well - or hardly at all. It is like looking at a single object from different angles and distances.

I realised that the last novel I read was Dan Brown's collection : Da Vinci Code, Angels and Demons, Digital Fortres and Deception Point. After finishing The Witch of Portobello, I continue reading The Monk Who Sold His Ferrari. This is an excellent book. In life, there are books that worth reading only once, and there are kinds of book thats worth to understand, practice and analyse. And this book by Robin S. Sharma can be a guide to have a better life.

At the moment, I am in Abu Dhabi, having my training 6am to 6pm on daily basis. The bus ride to the learning center takes an hour each journey. Every day, I spent two hours on the not so comfortable bus seat with seatbelt on. However, hey..I found out that It was the best two hours for myself. Instead of sleeping, I listen to music and read good books. Once a while, I watch the passing cars and wonder which car I should buy first. A Honda, BMW, or Mercedes....Haha...Or I should just stick to our national models..perhaps the new Proton Saga BLM. This strengthen my believe that humankind can create time. Most of the time, we blame the hectic schedule of our life to the extend we can hardly find time for ourself.

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