Monthly Archives: December 2011

The Top 10 Distinctions between Millionaires and the Middle Class

What are the distinctions?

Distinction 1: Millionaires ask themselves empowering questions. Middle class ask themselves disempowering questions.

“Ask and you will receive.” & “As a man thinks, so is he.” – So better ask empowering questions. Learn to ask ourselves questions that stretch beyond your current levels of experience. The questions you ask yourself determine the results you get in your life.

Think about questions that expand your mind. Empowering questions ask us what we can do, make us feel good, become a powerful and peaceful person. Questions controls mind, condition it to create success.

9 questions based on “Be, Do, Have” concept offers clarity; Know What you want, Why you want, and the How will naturally follow. Most important question to ask, “What would make my life meaningful?”


Distinction 2: Millionaires focus on increasing their networth. The middle class focuses on increasing its paychecks.

Own assets (have value and earn passive income for us) using our paychecks. It requires new knowledge so study hard to learn how to acquire income-producing assets. Patience, knowledge and wisdom are required to increase our net worth. Wisdom is applied knowledge.

Achieve Freedom – the freedom to work because we want to instead of because we have to. Learn to keep our cost of living the same even as we build our wealth. Uncommon wisdom of M: Do not increase spending when income increases, instead increase investing.


Distinction 3: Millionaires have multiple sources of income. The middle class has only one or two.

The more sources of income we can develop, the more likely we will become a M.

The trick to developing mulitple sources of income is to focus on making them passive (with minimum management). Build a TEAM and learn to be humble. Employ Intentional Congruence concept – methodical planning, getting each source of passive income to support the other income. Focus on PASSIVE sources of income, build a TEAM, and practice INTENTIONAL CONGRUENCE.


Distinction 4: Millionaires believe they must be generous. The middle class believes it can’t afford to give.

Learn to be generous, it feels great when we give from the heart. Being generous is a sure way to be happy. (that’s why Keith write books, teach seminars on success – give people the knowledge they can use to make a long-term improvement) Understand the Law of Sowing and Reaping (Law of Causes and Effects in Buddism)


Distinction 5: Millionaires work for profits. The middle class works for wages.

Wages are the pay we receive for the work we do. Profits are the result of buying something for one price and selling it for a higher price. Learn to earn profits, then sky is the limit.


Distinction 6: Millionaires continually learn and grow. The middle class thinks learning ended with school.

Success is a process, a journey. The more money you spend on financial knowledge, the more money you will make. By reading more (even if it is just a concept in each book), we compressed time and learn financial secrets that took others years to discover. M invest in their knowledge with people who have achieved success that they want for themselves. Wisdom is Applied Knowledge. Focus on personal growth, love life. True success involves peace and contentment.


Distinction 7: Millionaires take claculated risks. The middle class is afraid to take risks.

The only way out of the rat race for the MC is to take calculated risks. Calculated Risks means to gain knowledge first, consider the consequences of failing before taking action. 3 fears of the MC: Fear of Failure, Rejection, Loss. Fear can be overcomed with knowledege.

Failure is part of the path to success – Embrace it and become wiser. We must want to succeed more than we want the acceptance of other people. Losing is part of winning. Live like you were dying – take more risks, take more time to reflect, do more things that would live on after we are gone. Take action!

Practice risk management with 3 questions:

1. What’s the best thing that could happen?

2. What’s the worst thing that could happen?

3. What’s the most likely thing to happen?


Distinction 8: Millionaires embrace change. The middle class is threatened by change.

“For the timid in our society, change is frightening. For the comfortable, change is threatening. For the truly confident among us, change is opportunity.” – Nido Qubein, Mentor of Keith.

Confidence is acquired thru preparation, hard work, result of working on ourselves, believing we can do whatever we choose to. We can choose or wish to be rich but remember that Choice is backed by a belief that we can do it, Wish is backed by a doubt that we can.

Fear blinds us to opportunities – so develop confidence, learn to accept change and fear will become False Evidence Appearing Real. People are born to learn and grow. Change is good!


Distinction 9: Millionaires talk about ideas. The middle class talks about things and other people.

“Big people talk about ideas, average people talk about things, and small people talk about other people.” What do you spend your time talking about? Ideas, things or people? M do talk about people and things. M compliments people for what they did right. M shares notes and books with each other.

The power of our words create the experiences of our life; so change our vocabulary, stop complaining and start learning. Learn to develop gratitude. The lessons of life come to teach us to look at life from new perspectives. This leads to new ideas.

Distinction 10: Millionaires think long-term. The middle class thinks short-term.

Give up scarcity mentality (money is in abundance!). Make long-term thinking a habit to release its power. Thinking long-term requires patience and patience is an asset. Thinking long-term builds relationship. Thinking long-term builds health. Thinking long-term develops perserverance. The secret of M: Do what you love to do to make money.

Keith concludes with the concept of repetition to train our mind to think differently. Remember, Success is a Journey.

BACA – 100 Tips Kejayaan saya dari Noor Azahar Mokhtar

I love to read biographies of successful people. This is one of them.

I was introduced by a friend to read this book. It is really interesting if you want to succeed in life and even in Multi Level Marketing.

Life is about how to manage people and yourself! And if you serious to Change!

Great tips to MLM.


Price: RM50 Free Shipping.

You can whatsapp me if you want to read this book  0136408906

Auction Experience

I went for the Real Properties Auction today.

Lesson learnt:

1. Always do your homework
2. Check your Auction company listing earlier rather than last minute
3. Learn about the terms and condition
4. Bid based on calculation not your guts
5. Check the market price earlier
6. Check the occupancy rate of the area

100 Ways to Save Tax in Malaysia for Small Businesses


This highly popular tax guide is completely up-to-date with new developments including the 2009 and 2010 Budget changes and stimulus packages.

It includes detailed explanations and examples of new and improved incentives such as accelerated capital allowances, reinvestment allowance, exemption for increased export of healthcare services and carry-back of losses.

More than ever, the line that divides small companies (SMEs) from larger ones by reference to a paid-up ordinary share capital limit of RM2.5 million is of great significance.

Many incentives and reliefs are now given at different levels above and below that line and this book details all the situations in which those apply as well as covers the limitations where an SME has related companies.

Price: RM70

3 things you have to ask yourself if you want to be financially free

3 Things to think about:

1. Where can i generate Daily Income?

  • Think about how to get daily income..  for example: starting a business???

2. Where can i generate Monthly Income?

  • Usually this comes from salary (once a month) if you are working
  • Rental (if you rent your apt/flat/condo/house)

3. Where can i generate Yearly Income?

  • Yearly Bonus (From your employment)
  • Yearly Dividen (like ASB or other unit trusts)

100 Ways to Save Tax for Property Investors

Currently reading this book, This is a comprehensive guide to the tax implications of property investment. It collects together in one source all of the tax issues relevant to property investment, and serves as an invaluable tool to help investors in their vital decision-making processes.

The book covers the specifics of property income taxation, which is in many ways distinct from taxation of other kinds of income. The availability of deductions against rental income is discussed with clear examples.

In addition to dealing with the taxation of property income, the book covers other areas of taxation including investment holding companies and real estate investment trusts which have relevance for the property investor. Tax-saving strategies which include tax deferment, tax reduction and elimination of tax liability are explored with practical illustrations.

Besides a wealth of tax-saving ideas for long term investors, the book also has useful tips for people seeking to exploit the property market by realising short term gains and some useful strategies for mitigating real property gains tax.

The revised and expanded chapter on RPGT also includes the calculation of the tax, family gifts and the potential trap, computations through the exempt period, the 2% withholding tax and the new loss relief.

This book contains a wealth of ideas to help you to minimize the taxes you have to pay and to plan your future actions so as to pay as little tax as possible.

This book aims to make the understanding of tax issues affecting property investment easy by using simple everyday language and practical examples to illustrate them. It is certainly a book not to be missed by property investors, tax consultants, real estate consultants, estate agents, lawyers, landlords and anyone with an interest in property income.



Clarity: Eighty percent of success comes from being clear on who you are, what you believe in and what you want.

Competence: You can’t climb to the next rung on the ladder until you are excellent at what you do now.

Constraints: Eighty percent of all obstacles to success come from within. Find out what is constraining in you or your company and deal with it.

Concentration: The ability to focus on one thing single-mindedly and see it through until it’s done takes more character than anything else.

Creativity: Flood your life with ideas from many sources. Creativity needs to be exercised like a muscle; if you don’t use it you’ll lose it.

Courage: Most in demand and least in supply, courage is the willingness to do the things you know are right.

Continuous learning: Read, at the very least, one book a week on business to keep you miles ahead of the competition.

And just as you eat and bathe, organize your time so you spend 30 minutes a day exploring email, sending messages, going through websites, because like exercise, it’s the only way you can keep on top of technology.

If you get away from it, you’ll lose your edge…

Step forward…

A thousand disappointments in the past cannot equal the power of one positive action right now. Go ahead and go for it.

If you’ve previously told yourself that it can’t be done, this is the moment to change your assumption. When you can dream it, imagine it and visualize it, you can do it.

Instead of making excuses, make some progress. Instead of looking back with regret, step forward with enthusiasm.

Choose to define yourself based on the person you know you can become. Choose to see your life in terms of the best of what is possible.

If you focus too much on the past, you’ll be held back by limitations that may no longer even exist. Instead, look forward with positive expectation, and you’ll find yourself quickly moving in a forward direction.

A new, fulfilling reality is calling to you. Step forward right now, and begin to make it happen…

What sort of questions am I likely to be asked or be asking during interview?

What sort of questions am I likely to be asked?

These are some common questions that you might be asked at interview:

• What do you know about the company?
• Why do you want to leave your current company?
• Why are you interested in this position?
• What skills could you bring to the job?
• What do you like doing best or least in your current role?
• What do you consider to be your strengths and weaknesses?
• What is your greatest achievement?
• Do you prefer to work in a team or alone?
• Can you work under pressure? Tell me about an occasion where you had to do so.
• How would you handle difficult customers?
• How do you like to be managed?
• Where would you like to be in five years?
• What salary are you looking for?
• What are your leisure interests?
• Why should I employ you?

What sort of questions should I be asking?

It’s important not just to look interested, but to be interested. You will be given lots of information on the day, so listen carefully and ask any questions that you feel are pertinent. Asking too many questions is better than asking none at all!

• What is the most important aspect of the job?
• Who will I be working for and with?
• How many people are there in the department?
• Are there any periods when business peaks? What effect will this have on the job, if any?
• Are there any training schemes from which I may benefit?
• What are the promotional prospects?
• What is the salary and are there any benefits?
• How frequently is the salary reviewed?

Prepare yourself before going for interview!!

24 ways to motivate yourself

• Put your plans on paper. Spell out your goals and ways to reach them.
• Be specific. The advice you give yourself must be such that you can put it into practice.
• Break the task down into small pieces so that you can handle them easily.
• Establish checkpoints on your progress as well as rewards.
• Remind yourself of the benefits you expect from your tasks completion.
• Avoid temptations and circumstances that might sidetrack you.
• Recognize your limitations. Don’t set unrealistic goals.
• Take advantage of your own energy peaks!
• Use negative motivation. Remind yourself of the consequences of inaction.
• Keep a time-control budget. Don’t let one task take control over others.
• Set deadlines and hold yourself to them.
• Make an honest distinction between “I can’t” and “I don’t want to”.
• Get started now. Don’t stall.
• Improve your self-persuasion ability. Learn the difference between reasoning and rationalizing.
• Be optimistic. Your chances for success will increase.
• Decide how you want to start, what needs to be done first.
• Read, especially literature related to your situation.
• Use self-signaling devices – notes, signs, cues, reminders.
• Promise yourself rewards.
• Use the stimulation provided by good news to do extra work.
• Recognize conflicts and make a choice.
• Give yourself the right to make mistakes. No one is perfect.
• Exercise your sense of humor. Laughter indicates a realistic point of view.

Belailah Kalbu

I’m still reading this book. Belailah Kalbu written by Dr. H.M.Tuah has given you a new horizon on ideas on every problem which is hidden in any human being especially in Malay Society. I love how he answers every question so simply with deep meaning.

Read the synopsis below:

Belailah Kalbu mengadun variasi rasa pedas, manis, masam, masin dan pahit:


  • Mengusir dendam kesumat
  • Meraih cinta dan kasih al-Khaliq
  • Memupuk keintiman dengan ILAHI
  • Menyakini bahawa doa adalah senjata
  • Mengukuh keyakinan dan ketakwaan
  • Membuang rasa ego dan penyakit hati
  • Mencari rangkulan kudus Yang Maha Esa
  • Menangani masalah dengan lapang dada
  • Membuka minda dan menerima kebenaran
  • Menyedari segala tuntutan dan larangan-NYA

price RM10

Hotel deals

Almost two years, I have utilized this website for cheaper hotel deals which is . I found out that they provide a very good deal especially on late weekend deals.  Late weekend deals for Bangkok hotels are still the best value for money.

Subscribe to their webs to get email on late Thursday and Friday best deal

One advantage of this website is that you can change the currency to your own currency and compare the prices with other website.

The only drawback is that you have to pay in advance and book early. Otherwise the room will not be available if you are late.

Now, hotel deals websites have become mushrooming. They are as follows:


Just choose which one you like.

Agoda has cancelled their reward points and now you can no longer earn points from them.

Good luck and happy holiday.



The Power of Giving

I bought this wonderful from Big Bad Wolf Bookfair in Serdanbg.

Love reading this book as I like all about the “Law Of Attraction” Thing. I found it very significant to our life. It touches every life on the power of sharing. Everybody has things to give whether they know it or not. It is not only about money, it is about time and effort to help other people.

Remember, happiness doesn’t depend upon who you are or what you have; it depends solely upon what you think. –

Dale Carnegie

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