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I read a post by Mike Huang of Blogging-Ads on ramblings today and how the blogging pros often ramble every now and then to in a way stray abit from their niche so as not to become too boring and dull. And in a way, it’s kinda true.. In the past, I find that when I ramble, it somehow attracts more people to comment on my blog. hmmm..

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MPH is holding another mega book sale. Although I’ve bought enough books already (mostly using coupons) I found myself unable to fight off the lure of the store. So I was there at the Alamanda branch, scouring their shelves for books that would interest me. I managed to find 4: a GMAT study guide, a book on the basics of investing (by a local author - forgot name but great stuff), an internet marketing book by Joe Rubino (Zamri would be proud should I manage to apply strategies from this book:)) and Hypnotic Writing by Joe Vitale (hey, two Joes there;p). And guess what? I ended up buying none of them. I kept thinking that I could probably get these books at the national library. But what if I don’t/can’t? And why is it that there are only limited copies of books that I like? Hmm.. to buy or not buy?.. I still have to start on reading Dave Ramseys’ Total Money Makeover. Argghh.. enough already, Azrina!!

Besides, I have quite a few stuff to finish off at work. The boss dumped the files on me yesterday so I’m loaded! Less time to read at work but have still got to allocate time to finishing RK’s Cashflow Quadrant. Maybe 15 mins before going home time. Afterall, I’ve been working pretty dilligently today. I deserve my 15 mins reading treat!

So happy reading to me!

Tags: Blogging, Books by Me Rina
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Thanks to the MPH book vouchers I redeemed, I’ve managed to add three more finance books to my collection. Among them are:

1. Dave Ramsey’s Total Money Make Over;

2. A Million Bucks by 30 (Alan Corey); and

3. The Neatest Little Guide to Stock Market Investing (Jason Kelly).

This last book happens to be the first comprehensive book on stock investment that I’ve ever owned and now am reading. I saw a really good review on it from amazon and was surprised to find it available at MPH Great Eastern Mall, Kuala Lumpur (this particular branch carries many good personal finance books on the recommended list - or is just me attracting those books to me (?!)). I wasn’t even actively looking for the above three books though I did send out subconscious intentions to buy them;). They just practically popped out of the shelves, calling for my attention and begging to be bought(?!)!

I must say that this gratitude thing really does work. The day I found those fabulous books, I had gotten up earlier and intentionally thanked God for all the goodness He’d blessed upon me. I got really into feeling grateful and felt the joy of receiving all this abundance. Having done that, my day went truly well. I said the right things, I felt more warm and open towards others, I found out things that I can use to propel me forward to achieve my goals of financial freedom. I even felt more confident and attractive. It gave me a great boost! So yes, I’m going to keep doing this every day!!

Back to the first investment book in my possession. Jason Kelly’s introduction to investing in the stock market is just what I need to get me started. His explanations are simple with examples that are easy to understand and relate to. This is one investment book that has kept me glued to the pages, fueling my desire to know more. I shall write a review post once I’m done.

Tags: Books, Wealth Creation by Me Rina
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Yesterday in my post, I questioned whether being in a network marketing business such as Success University puts me in the B quadrant. Well today having read through more chapters Rich Dad’s Cashflow Quadrant, I can confidently answer my own question with a YES!

To quote Robert Kiyosaki, “..I endorse any network marketing organization that is first committed to developing you as a human being, more than developing you into a salesperson.” He goes on to saying that he would seek network marketing organizations that:

1. have successful track records, distribution system and compensation plan(check - SU, 3 years in operation with more that 70,000 enrollment worldwide, easy to follow system, complan that pays infinite levels deep);

2. have business opportunity you can succeed with and share with others (SU leaders guide you in your business so that you can become successful and share it with others);

3. have on-going long-term educational programs to develop you as a human being(SU’s product IS personal development! Plus yearly world tours the last one being held in Australia) ;

4. have strong mentor program (I’m happy to say I’ve found my mentor and am sharpening my skills to become a better mentor to my partners); and

5. have people you respect and enjoy being with (positive people with vibrance that just affects you - eg. Matt Morris, Johnny Wimbrey, Daegen Smith, Jaz Lai, Zamri Nanyan).

Alright! Without realising, I’ve actually made it to the B Quadrant!! I definitely have to put more focus into this area during any spare time I have. Which reminds me, I have yet to finish reading and applying the techniques taught in Daegan and Zamri’s Ultimate Blueprint of Internet MLM Success(reading up on personal finance have caused me to go abit offtrack although absolutely necessary).

In between working on my day job and Success Uni, I shall continue to the next chapter of the Cashflow Quadrant which covers my absolute current topic of interest - investment

Tags: Books, Financial Management, Success University, Wealth Creation by Me Rina
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I recently bought three books using MPH vouchers I redeemed from my credit card reward program. Those books are: Rich Dad’s Cashflow Quadrant (Robert Kiyosaki), The One Minute Millionaire (Mark Victor Hansen & Robert Allen), and How to Become a Property Millionaire (Azizi Ali). At first I thought of starting with the One Minute Millionaire but due to small printing (my fault for not opening the sealed book before purchasing) I was a bit put off and chose Rich Dad’s instead. A very easy read. The ideas laid out are simple but it really gets me thinking. I’ve been wanting to play the cashflow game for quite some time. They have a ‘millionaire’s club’ nearby our place where you pay a small fee to play this game. Having read a quater of the actual book, I now have a rough idea about what to expect from the game and the lesson’s I’ll be able to learn from it.

Basically the cashflow quadrant shows us just where our cash is coming from - left side consists of being an employee (E) and being self-employed (S), the right side consists of business (B) and investment (I). Simply said, according to Rich Dad, to become rich your cash must come from the right side of the quadrant (business or investment or both). Because the majority of us are on the left side, this book shows us the steps to take to get to the other side of the quadrant even while still being able to operate from the left. I hope that makes sense.

I am currently in the E quadrant. I hope to be able to also get into the I quadrant soon. And eventually the B quadrant. People in the S quadrant are thought to have the toughest time. Being self-employed means that you are working in your own business.It’s means that you are your own boss. But it also means that you play multiple roles as a manager, marketer, accountant, etc. It’s pretty much a one man show. Sure you may be driven by passion at doing what you truly love at first. But with being self-employed your income depends on how hard you work. When you slow down or decide to take a break, your business suffers.

People in the B quadrant on the other hand create an efficient system that will allow other people to work the system for them. The beauty in creating a system that’s run by others is that you get to take time off and return to find your business further blossoming and making more profits. In the I quadrant you make profit too by making money work hard for you. Both the I and B quadrant ofcourse requires you to have good financial knowledge - something that are not taught in schools.

It is also very much possible for an E to also be an I to acquire financial freedom. You need to have investment knowledge for that. So for me, that’s what I’m trying to do. Working at learning whatever I can to in this area to become financially free.

I’ve been thinking about whether joining Success University makes me a B person. SU definitely has a system (that’s already being laid out for you). But are the founder of SU the only ones in the B quadrant (since they’re the one who came up with the system)? Or are they, through the system also helping others become a B by adapting their system and making financial gains through it? I have to ask Zamri Nanyan about this. Hopefully he can drop by my blog anytime soon.

Tags: Books, Financial Management, Personal Development, Wealth Creation by Me Rina
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A Million Bucks by 30: How to Overcome a Crap Job, Stingy Parents, and a Useless Degree to Become a Millionaire Before (or After) Turning Thirty

The above is the title of a book by Alan Corey. I was talking to my younger brother this evening. He’d been asking for my advice on what jobs to take on since he recently completed his studies. A few of his friends already have jobs and careers. One good friend is a pilot with Malaysian Airlines and earns RM10,000 a month. Another is a gym instructor earning RM4000 a month with commissions. So it is no wonder my bro expects his income to be of similar range. I envy my bro for having great friends to hang around. He must be a great guy himself to have such friends.

Not that my friends aren’t so great. But most of them have the mentality that it takes a secure job to make it in this world. That means no risk-taking and just leading an easy, convenient life. I better start hanging around more entrepreneurs, internetpreneurs, internet marketers, financial bloggers and millionaires (since this is what I sought out to become) - millionaire mommy next door, won’t you be my friend?!

Oh yeah.. back to the book by Alan Corey. My brother mentioned about it in passing saying that he came across an interview of the author on UTube. He’s actually looking for the book at bookstores but haven’t found it yet. Now knowing my brother, he’s not one who normally buys book or much less even bother looking/hunting for one. So I thought, what’s the catch?

I turned to my bro for more explanations.. he  says the book is filled with useful money-saving tips such as:

• using pennies /coins to buy stuff instead of using paper notes (spend the pennies, put away/save the notes - save more, spend less - what a great concept!! I’ve actually started doing this today!!),
• bring drinking water from home (why buy at restaurants or anywhere outside when you can get free filtered/boiled plain water from home - it’s healthier too!-no calories),
• when it’s raining, don’t buy an umbrella, borrow one!
• smile often and at everyone - you may just get a free drink/meal etc.!!

Most of his tips are lined with humour but are actually pretty useful. Corey believes it’s better to be frugal now and save for a better tomorrow. Corey went from earning minimum wage at 22 to becoming a millionaire at 28! (I got these info from my bro so for actual facts, have got to check out the actual book). Hmm.. it looks like I have another great book to invest my well-earned MPH coupons in. Hahah..I haven’t told you the value of the vouchers I got and am getting (I’ve decided to redeem MPH vouchers from my credit card reward points as well)!

Ok, if I get around to it, I may just put up the YouTube video of Corey’s interview here. So till then, take care! Reach for the millions!!

Tags: Books, Financial Management, Wealth Creation by Me Rina
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