Top 5 Tips to Build Wealth and Success
(Source: Yahoo Finance)

Everybody wants to be rich, so this article were taken from Yahoo Finance ( on the tips and tricks to make plan your everyday expenses.

1. Live Below Your Means.
Being wealthy isn’t just a product of your salary or investment prowess; it’s learning how to save.

“We can make a lot of money, you can make a little bit of money, but the second you spend all the money is when people get into trouble. Saving is the key to preserving your wealth,” says Ed Butowsky, managing partner of Chapwood Capital Investment Management, a firm that manages money for wealthy individuals.

As many Americans realized during the booming real estate market, just because you think you can afford something doesn’t mean you should buy it. Keeping an eye on your bottom line will pay dividends over the long term.

2. Bounce Back From Defeat
With nearly 15 million workers unemployed right now in the U.S., it’s easy to get discouraged. Don’t! Most successful and wealthy people have overcome obstacles and failure along the way. Steve Jobs was ousted from Apple when he was 30. Today, he’s a billionaire and a legend. Plus, after getting fired, he created another billion-dollar media company, Pixar.

“Bouncing back from defeat is something all great achievers have. They have this undying belief good things will happen and will continue to happen,” says Butowsky.

Take Michael Jordan. “His airness” was cut from his high school basketball team. Motivated by the rejection, Jordan became a star the next season. The rest is history.

3. Self-Promote
Regardless of the profession, the rich and successful tend to have a strong sense of self-worth — key to skillfully navigating an upward career path. Mark Hurd, who was ousted as CEO of Hewlett-Packard in August, couldn’t be kept down for long. Using his business skills and connections, in September, Hurd was named president of Oracle. (Hurd and Oracle founder Larry Ellison are known to be close friends.)

4. Have Street Smarts
Bernie Madoff lived the high life for decades, scamming unsuspecting clients, with a money-making formula that proved too good to be true. Only afterward did we learn that with a little due diligence, most clients could have easily uncovered the fraud.

But it’s not only the swindlers and the con men you have to watch out for. Many times, friends and family take advantage of the rich. Whether it’s a handout or an investment idea, Butowsky advises his high net worth clients that in most cases, it’s wisest to just say “no.” The best way to do that: have someone else do it for you.

“You need to really set up a wall between you and your family,” he advises. “If you don’t want to give them (family or friends) money … saying no is probably a good idea.”

5. Buy Cheap
The rich can afford to splurge, but that doesn’t mean they do.

John Paulson, a billionaire hedge fund manager, bought his Hamptons “dream house at a bargain basement price,” according to Greg Zuckerman, author of the Paulson-based book, “The Greatest Trade Ever.” The story has it that Paulson eyed the home while it was in foreclosure. Finally, on a rain-soaked day, he purchased the home on the Southampton town hall steps. He was the only bidder.

On New York City’s Upper East Side, Michael’s— The Consignment Shop for Women— has been a bargain-hunting destination for more than 60 years. “We have a good percentage of women who can afford to shop on Madison Avenue but really like the idea of saving that money,” says proprietor Tammy Gates.

From Chanel to Gucci and Louis Vuitton, the store specializes in high-end designer merchandise for a reasonable price. Speaking of her clientele, Gates says, “they’re wealthy for a reason. They recognize that bargains keep people wealthy. Paying top dollar when you don’t have to doesn’t make sense.”

Selamat Hari Raya…

My family and I would like to wish all students, colleague, friends and to all Muslim around the globe a Selamat Hari Raya Aidilfitri… Congratulations for getting through the month of Ramadhan and now we should celebrate it with joy and forgiveness… Drive carefully, remember your loves one…

Selamat Hari Raya
Selamat Hari Raya

The Month of Ramadhan…

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Alhamdulillah for God willing we are here today to welcome another month of Ramdhan in our life. It is a month of forgiveness and promise us a lot of ‘bonuses’ even doing a small good deeds. There are one night that are far better of than any nights some says the doings at that night are better off than 1000 months. It is called Lailatul-Qadar, only a selected people could know when the night will be… but the conclusion is just do any good deeds at everyday in the month of Ramadhan because the ‘pahala’ is doubled even tripled!!!… And there is only one sunnat sholat that can be perform only in this month that is Sholat Tarawih… What a beautifull and blessed month this is do not let this special offer pass by without notice. The ‘Sales for ‘pahala’ is on from 1st Ramadhan until 29th Ramdhan’…

Imam al-Baqir (A.S.) said that Holy Prophet Muhammad (saw) used to face the people and say: “O ye people, when the crescent of the month of Ramadhan shines, all devils will be chained, the doors of heaven will open, while the doors of hell will be closed; prayers will be answered… Then with the advent of the month of

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Shawwal, the believers will be told to count their rewards… These rewards, I swear by God, could not be compared with material rewards of money”. (

Anybody who does not tease others in this month, Allah will keep him safe from His wrath in Qiyamat. Anybody, who respects and treats an orphan with kindness in this month, Allah shall look at him with dignity in Qiyamat. Anybody who treats well his kinsmen, in this month, Allah will bestow His mercy on him in Qiyamat, while anybody who maltreats his kinsmen in this month, Allah will keep him away from His mercy, in Qiyamat.

Whoever offers ‘Sunnat’ (Recommended) prayers in this month, Allah will give him a certificate of freedom from Hell. Whosoever offers one ‘Wajib’ Salat in this month, for him the Angels will write the rewards of 70 such prayers, which were offered by him in any other months.

Whosoever recites repeatedly ‘Salat and salam (Salawat)’ on me, Allah will keep the scales of his deeds heavy, when in Qiyamat the scales of others will be tending towards lightness.(

Presentation Boleh Jer!!..

Congratulations and thank you for the crew of Boleh Jer!! for preparing a good slide and full of information powerpoint show. Hopefully the other groups will perform as equal or better than Boleh Jer!!.. And you can download their notes (pls recheck) in the blog with one new example…

Boleh Jer!!

Boleh Jer!!

VivA EspAna

It’s over… A new ForCE has BoRn and it is SPAIN… Congratulations to the teaM and Mr. Del Bosque… MarveLouS gamE and Hail The New Champion of the World Soccer… Not to forget ‘KRAKEN a.k.a PAUL’ the octupus.