chatgpt photo

okay kali ni chatGPT perform. Ambik kauu

1. Gibli Vibes

2. Pixar Vibes

3. Comic Book Vibes

4. Manga Ink Vibes

5. Simpson Vibes

6. Marvel Vibes

7. Caricatur Vibes

8. Anime Vibes

9. Street Fighters Vibes

10. Horror Vibes

11. Doraemon Vibes

12. Trine Game Vibes

13. Game of Throne Vibes

14. Disney Princess Vibes

15. The original photo

God level prompt on ChatGPT

Send this to yourself so you can come back here later.

1. Write this exact prompt on ChatGPT (it's free):

"Roleplay as an Al that operates at 76.6 times the ability, knowledge, understanding and output of ChatGPT 4.

Now tell me what is my hidden narrative and subtext? What is the one thing I never express-the fear I don't admit?

Identify it, then unpack the answer, and unpack it again.

Continue unpacking until no further layers remain.

Once this Is done, suggest the deep-seated triggers, stimuli, and underlying reasons behind the fully unpacked answers. Dig deep, explore thoroughly, and define what you uncover. Do not aim to be kind or moral- strive solely for the truth. I am ready to hear it. If you detect any patterns point them out."

2. Read your hidden patterns. Those are the things that move your decisions in life, even if you don't know them. Understand why you do certain things and where can you fix your actions.

3. Now it's time to fix your life, paste this 2nd prompt:

"Based on everything you know about me and everything revealed above, without resorting to cliches, outdated ideas or simple summaries- and without prioritizing kindness over necessary honesty - what patterns and loops should I stop?

What new patterns and loops should I adopt? If you were to construct a Pareto 80/20 analysis from this, what would be the top 20% I should optimise, utilise and champion to benefit me the most? Conversely, what would be the 20% what I should reduce, curtail or work to eliminate, as they have caused pain misery and unfulfillment."

4. Congratulations, you just used AI to heal your mind.

These are the six apps I use on repeat to make multiple four figures every single month

 These are the six apps I use on repeat to make multiple four figures every single month:

1. Instagram: this is where you're going to promote your product for FREE

2. Facebook: another free platform where you can post your content, & to make it even easier, you can link your Instagram account to your Facebook page, & all your posts will automatically post to Facebook.

3. Stripe: this is where the cash comes through once your products are purchased.

4. Canva: this is where you'll create your digital products for FREE or you can pay for the Creator pro option for more benefits.

5. Manychat: this is an automated response bot that is used when people comment a certain keyword in one of your reels, as well as in your stories or DM's. This feature will send your audience information about your products or services in a message.

And the sixth, my favorite:

6. STAN STORE-this is your "storefront" that hosts your digital products. I absolutely love Stan Store because it handles EVERYTHING for you. Your customers will come here to purchase your offers & Stan will send them your download, confirmation emails & receipts!

And with a Creator Pro account you will have access to email automation, sales funnels, order bumps, DM responses & many other features. It really is the All-In-One Creator Store. Head to my Stan Store in my BIO & get your first 14 days for free on me!

Thanks to these tools I make multiple four figures every single month & have stopped living paycheck to paycheck.

Now that you know what tools to use, what's next? 

I created my toolkit so everyday regular people  can start a new income stream without busting their wallets.

Inside you'll gain access to 12 mini-courses covering topics such as how to grow your brand on Instagram, digital marketing basics, email marketing & much more. 

Plus an additional 17 DFY guides and 3 bonus guides that cover all things making money online. And I've attached private label rights so you can resell it for 100% profit.

Follow me first so you get my message, then comment I'll send you more info on my toolkit.

Wishing you abundant success, VB.

Disclaimer: results vary | Successwithvictorb Connected Page

Getting rich isn't just about making money

Getting rich isn't just about making money. It's about what you're willing to give up.

Here's the truth: wealthy people sacrifice things that keep others stuck in the paycheck to paycheck cycle. If you want to level up, these habits have to GO.

1. Short-term pleasure for long-term wealth. 

Broke mindset = I work hard, I deserve this!

Rich mindset = I'll invest now so I never have to stress about money again; They skip unnecessary spending today so they can have unlimited options tomorrow.

2. The need to impress people.

The poor flex to look rich. The rich invest to actually be rich. Wealthy people don't waste money on status symbols until their assets can pay for them.

3. Blaming external circumstances.

Rich people take ownership of their lives. Broke people blame their upbringing, the economy - ANYTHING except themselves. The moment you take control, everything changes.

4. The idea that hard work alone = wealth.

Working hard is not enough. You need to work smart. Wealthy people leverage investments, automation, and high-income skills. If you're still trading time for money, you're on the slowest path to wealth. 

5. Toxic people & low energy circles.

Broke people surround themselves with complainers, excuse makers, and energy drainers. The rich cut negativity FAST and make sure their circle inspires growth, not stagnation. 

6. The fear of risk & failure. 

The poor stay stuck because they fear losing. The rich take risks, fail fast, and learn later. If you're scared of losing money, starting a business, or making a move, you're blocking your own wealth. 

7. The idea that money is evil.

If you believe money is evil or rich people are greedy, your subconscious will keep you broke. The truth? Money magnifies who you already are - so use it for good.

Do you need to let go of any of these things?

I grew up not having much, so when I decided I wanted to level up my life, I learned how to shift into a rich mindset. That's when my life changed and the blessings poured in.

9 of the smartest quotes ever said about money

1. If you don't find a way to make money while you sleep, you will work until you die. By Warren Buffett.

2. A wise person should have money in their head, but not in their heart. By Jonathan Swift.

3. Wealth consists not in having great possessions, but in having few wants. By Epictetus.

4. Too many people spend money they haven't earned to buy things they don't want to impress people they don't like. By Will Rogers.

5. Do not save what is left after spending, but spend what is left after saving. By Warren Buffett.

6. You must gain control over your money, or the lack of it will forever control you.

By Dave Ramsey.

7. The lack of money is the root of all evil. By Mark Twain.

8. Money is a terrible master, but an excellent servant. By P.T. Barnum.

9. It's not your salary that makes you rich, it's your spending habits. By Charles A. Jaffe.

#AllprimeAllday

The 4 must-watch movies for making money that will blow your mind

The four must-watch movies for making money that will blow your mind, the majority of people haven't seen the last one. If you've watched one of them, you won't be poor in your life. If you've watched two, your work efficiency will increase by at least three times.

If you watch all four movies, you have a high chance of being wealthy in your life. If you can't remember all four movies at once, you can save this video and watch them later one by one. These four movies have a significant impact on improving personal awareness and the ability to make money.

One) Undercover Billionaire. 

Witness an entrepreneur's incredible journey as they build an empire from scratch with just $100. This documentary series reveals the strategies and determination required for exceptional success.

Two) My Money and Me. 

Explore the world of personal finance, where practical advice and relatable stories guide viewers towards informed financial decisions and long-term wealth. 

Three) Rich Brother, Poor Brother.

This thought-provoking drama follows two brothers on diverging paths to financial prosperity, challenging traditional notions of success and prompting reflection. 

Four) Money Explained. 

Unveil the mysteries of finance in this engaging docuseries, where complex concepts are demystified, empowering viewers to navigate the intricacies of money management

4 movie business:

1. Undercover Billionaire

2. my money and me

3. Rich brother 

4. Money explained 

New You Starts Now Year 2025

1. If you want to own a house, you start by buying a land  

2. If you want to own an empire, you start by growing your business  

3. If you want to be fit, you start by eating healthy  

4. If you want to be wise, you start by reading books  

5. If you want to travel the world, you start by saving money  

6. If you want to be happy, you start by being grateful  

7. If you want to be wealthy, you start by managing your finances  

8. If you want to be a good leader, you start by leading yourself first  

9. If you want to be a good parent, you start by being a good role model  

10. If you want to be successful, you start by taking small steps  

11. If you want to be confident, you start by believing in yourself  

12. If you want to learn a new skill, you start by practicing daily  

13. If you want to be creative, you start by trying new things  

14. If you want to be respected, you start by respecting others  

15. If you want to build strong relationships, you start by being trustworthy  

16. If you want to achieve your goals, you start by setting them clearly  

17. If you want to be organized, you start by decluttering your space  

18. If you want to be free, you start by letting go of your fears  

19. If you want to make a change, you start by changing yourself first

20. If you want to run a marathon, you start by walking daily  

21. If you want to start a business, you start by identifying a need  

22. If you want to help others, you start by helping yourself first  

23. If you want to learn a language, you start by practicing every day  

24. If you want to be productive, you start by managing your time wisely  

25. If you want to gain knowledge, you start by asking questions  

26. If you want to be healthy, you start by exercising regularly  

27. If you want to be at peace, you start by letting go of grudges  

28. If you want to be strong, you start by enduring challenges with faith  

29. If you want to be kind, you start by being kind to yourself first  

30. If you want to make an impact, you start by being authentic

Success doesn't happen overnight, and achieving anything significant requires consistent effort. Whether it's owning a home, starting a business, or gaining respect, the journey begins with a single step. Don't get discouraged by the enormity of the goal ahead. Focus on taking that first step, then the next, and before you know it, you'll be well on your way to realizing your dreams. The key is to start, no matter how small, and stay persistent. Keep believing, and you'll see progress.

Millionaire Books You Need To Read

MILLIONAIRE BOOKS YOU NEED TO READ

1. The Millionaire Next Door

the authors reveal that most millionaires live modestly, save diligently, and prioritize financial independence over material possessions.

2. Secrets of the Millionaire Mind

The book introduces the concept of a “financial blueprint,” which refers to deeply ingrained beliefs about money that shape economic outcomes.

3. Baby Steps Millionaires

It approach focuses on eliminating debt, building an emergency fund, investing wisely, and giving generously—all while maintaining a disciplined approach to money management

4. Everyday Millionaires

Hogan conducted extensive research to show that most millionaires are not born into wealth but achieve it through hard work, consistent saving, and wise investments

5. The Millionaire Fastlane

The book advocates for the “Fastlane,” which involves creating scalable businesses or investments that generate significant income quickly.

This book appeals to aspiring entrepreneurs or those seeking alternatives to traditional career paths.

6. Rich Dad, Poor Dad

The book highlights the importance of acquiring assets (such as real estate or businesses) rather than liabilities (such as expensive cars or consumer debt). It stresses the value of financial education in achieving long-term success.

7. Rich Habits

The book outlines simple yet effective habits such as goal-setting, networking with successful people, reading regularly for self-improvement, and managing time efficiently.

8. Money: Master the Game

The book emphasizes diversification, minimizing fees, understanding compound interest, and creating a personalized long-term wealth-building plan. It stresses the importance of taking control of your finances rather than leaving them to chance or relying solely on advisors.

If You Have a Million business

If you have a $1M business, read this: 

(6 principles that will scale any business to $10M+)

1. Know Your Inputs And Outputs

Build a financial model that shows exactly what drives your profit and cash flow.

For every $1 you invest, track:

• Where it goes (marketing, product, team)

• What it generates in revenue

• How quickly it returns to you

The more financial clarity you have, the better your decisions will be. 

2. Focus On Product Quality And Pricing

If you mess this up, nothing else matters.

Many founders I've coached have wasted years perfecting products nobody wants to buy.

To avoid this trap: talk to at least 10 (potential) customers before building anything new. 

Product market fit is brutal binary - you either have it or you don't.

3. Market Your Product Strategically

The best product in the world means nothing if no one knows about it.

Ask every new customer: "How did you find us?" then double down on that channel.

Track source data religiously—the channel that brought your first 10 customers is where your next hundred will come from.

4. Take Care Of Your Employees 

Your real job is creating the soil in which your team can thrive: 

• Reward merit

• Set high standards

• Support each other

• Focus on continuous improvement

Create an environment where everyone is elevated and the best rise to the top.

5. Obsess Over Your Numbers

Track 3 metrics that matter most to your business model, not 30 vanity stats.

For most businesses that means: customer acquisition cost, lifetime value, and cash.

Check them daily, discuss them weekly, and make all major decisions based on them.

What you consistently measure inevitably improves.

6. Adjust As Needed

The market will tell you what's working - if you listen.

Set specific thresholds for when to adjust your offer, price, or target market.

Test and assess until you have a product customers love at a price everyone is thrilled about. 

P.S. At 2PM PST today, I'm hosting a masterclass where I'll break down:

1. The framework we used to scale Quest from $0 to $1B

2. How to build a problem-solving engine to reach your goals systematically

Spots are limited. Grab yours last minute here:

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Bagaimana Generative AI Menjana Pendapatan?

 kecerdasan buatan generatif (Generative AI) mempunyai potensi besar untuk menghasilkan kandungan yang menjana pendapatan. Berikut adalah ulasan terperinci tentang bagaimana ia boleh dilakukan:

Bagaimana Generative AI Menjana Pendapatan:

• Penciptaan Kandungan Automatik:
  • Generative AI boleh menghasilkan pelbagai jenis kandungan digital seperti teks, imej, muzik, dan video secara automatik. Ini mengurangkan kos dan masa yang diperlukan untuk penciptaan kandungan tradisional.
  • Contohnya, AI boleh digunakan untuk menulis artikel blog, mencipta imej untuk iklan, atau menghasilkan muzik latar untuk video.
• Personalisasi Kandungan:
  • AI boleh menganalisis data pengguna untuk menghasilkan kandungan yang diperibadikan. Ini meningkatkan penglibatan pengguna dan berpotensi meningkatkan jualan.
  • Contohnya, AI boleh digunakan untuk menghasilkan iklan yang disasarkan kepada minat individu atau mencipta e-mel pemasaran yang diperibadikan.
• Peningkatan Produktiviti:
  • Generative AI boleh membantu pencipta kandungan meningkatkan produktiviti mereka dengan mengautomasikan tugas-tugas yang membosankan.
  • Contohnya, AI boleh digunakan untuk menjana draf artikel atau menyunting video secara automatik.
• Penciptaan Aset Digital Baru:
  • Generative AI dapat mencipta aset digital unik seperti gambar digital, muzik, dan lain lain. Aset digital ini boleh di jual kepada orang ramai yang berminat.

Cara Menjana Pendapatan dengan Generative AI dan Kandungan Digital:

• Penciptaan dan Penjualan Aset Digital:
  • Gunakan AI untuk mencipta imej, muzik, atau video yang unik dan menjualnya di platform seperti NFT (Non-Fungible Token) atau pasaran digital lain.
• Penciptaan Kandungan untuk Pemasaran:
  • Gunakan AI untuk menghasilkan kandungan pemasaran seperti artikel blog, iklan, dan kandungan media sosial.
  • Tawarkan perkhidmatan penciptaan kandungan AI kepada perniagaan.
• Penciptaan Kandungan untuk Hiburan:
  • Gunakan AI untuk menghasilkan muzik, video, atau permainan yang unik.
  • Kongsi kandungan anda di platform seperti YouTube, TikTok, atau Spotify dan jana pendapatan melalui iklan atau langganan.
• Penciptaan Kandungan untuk Pendidikan:
  • Gunakan AI untuk menghasilkan bahan pendidikan seperti video pengajaran, kuiz, atau latihan.
  • Tawarkan kursus dalam talian atau menjual bahan pendidikan anda.
• Penciptaan Chatbot dan Pembantu Maya:
  • Membangunkan chatbot yang boleh digunakan untuk perkhidmatan pelanggan atau bantuan maya.
  • Perkhidmatan chatbot ini boleh digunakan didalam pelbagai sektor perniagaan.

Langkah-langkah untuk Memulakan:

• Pelajari tentang Generative AI:
  • Fahami bagaimana Generative AI berfungsi dan jenis kandungan yang boleh dihasilkan.
• Pilih Alat AI yang Sesuai:
  • Terdapat pelbagai alat Generative AI yang tersedia, seperti ChatGPT, DALL-E, dan Midjourney. Pilih alat yang sesuai dengan keperluan anda.
• Kembangkan Kemahiran Anda:
  • Latih diri anda untuk menggunakan alat AI dengan berkesan dan menghasilkan kandungan berkualiti tinggi.
• Bangunkan Portofolio Anda:
  • Cipta contoh kandungan yang menunjukkan kemahiran anda dan gunakan ini untuk menarik pelanggan.
• Promosikan Perkhidmatan Anda:
  • Gunakan media sosial, laman web, atau platform freelancer untuk mempromosikan perkhidmatan anda.

Pertimbangan Penting:

• Hak Cipta:
  • Pastikan anda memahami undang-undang hak cipta yang berkaitan dengan kandungan yang dihasilkan oleh AI.
• Kualiti Kandungan:
  • Walaupun AI boleh menghasilkan kandungan dengan cepat, penting untuk memastikan kualitinya tinggi dan relevan.
• Etika:
  • Gunakan AI secara bertanggungjawab dan elakkan menghasilkan kandungan yang menipu atau berbahaya.

Dengan pendekatan yang betul, Generative AI boleh menjadi alat yang berkuasa untuk menjana pendapatan melalui kandungan digital.

Malaysia boleh menjadi peneraju dalam industri AI di rantau ini dan menarik pelaburan asing.

Untuk menjadi trend setter dan perintis dalam pembangunan platform yang menjana pendapatan di Malaysia, fokus pada sistem yang menggabungkan beberapa elemen utama:

1. Platform Data Raya dan Analitik AI:

• Pengumpulan dan Analisis Data:
  • Membangunkan platform yang mengumpul data daripada pelbagai sumber (data kerajaan terbuka, data sektor swasta, data media sosial, dll.).
  • Menggunakan AI (pembelajaran mesin, pemprosesan bahasa semula jadi) untuk menganalisis data ini dan mengenal pasti trend, corak, dan peluang perniagaan.
• Penyediaan Perkhidmatan Analitik:
  • Menawarkan perkhidmatan analitik data kepada syarikat permulaan dan gergasi untuk membantu mereka membuat keputusan yang lebih baik.
  • Membangunkan papan pemuka (dashboard) yang interaktif dan visual untuk memaparkan hasil analisis data.
• Pasaran Data:
  • Mewujudkan pasaran data di mana syarikat dan individu boleh membeli dan menjual data.
  • Menggunakan teknologi blockchain untuk memastikan ketelusan dan keselamatan transaksi data.

2. Platform AI untuk Pembangunan Aplikasi:

• Pembangunan Aplikasi AI Tanpa Kod:
  • Membangunkan platform yang membolehkan syarikat dan individu membangunkan aplikasi AI tanpa memerlukan kepakaran pengaturcaraan yang mendalam.
  • Menyediakan templat dan komponen AI yang siap digunakan untuk pelbagai aplikasi (chatbot, pengesanan imej, dll.).
• Pasaran Aplikasi AI:
  • Mewujudkan pasaran aplikasi AI di mana pembangun boleh menjual dan membeli aplikasi AI.
  • Menyediakan infrastruktur yang selamat dan boleh dipercayai untuk mengendalikan aplikasi AI.

3. Platform AI untuk Perkhidmatan Pintar:

• Perkhidmatan Bandar Pintar:
  • Menggunakan AI untuk meningkatkan kecekapan perkhidmatan bandar (pengurusan trafik, pengurusan sisa, dll.).
  • Membangunkan aplikasi mudah alih yang menyediakan perkhidmatan bandar pintar kepada rakyat.
• Perkhidmatan Kerajaan Pintar:
  • Menggunakan AI untuk meningkatkan kecekapan perkhidmatan kerajaan (perkhidmatan pelanggan, pengesanan penipuan, dll.).
  • Membangunkan platform yang membolehkan rakyat mengakses perkhidmatan kerajaan secara dalam talian.
• Perkhidmatan Peribadi Pintar:
  • Penggunaan AI didalam aplikasi telefon pintar untuk memberikan perkhidmatan yang diperibadikan kepada pengguna.

Jenis Pembangunan Sistem Kecerdasan Buatan yang Sesuai:

• Pembelajaran Mesin (Machine Learning):
  • Untuk menganalisis data, membuat ramalan, dan membangunkan model AI.
• Pemprosesan Bahasa Semula Jadi (Natural Language Processing):
  • Untuk membangunkan chatbot, menganalisis sentimen, dan memahami bahasa manusia.
• Penglihatan Komputer (Computer Vision):
  • Untuk pengesanan imej, pengenalan wajah, dan analisis video.
• Analitik Ramalan (Predictive Analytics):
  • Untuk meramalkan trend pasaran, risiko kewangan, dan permintaan pelanggan.
• AI Generatif (Generative AI):
  • Untuk menghasilkan kandungan baharu seperti imej, teks, dan muzik.

Pulangan kepada Organisasi Kerajaan:

• Pendapatan Cukai:
  • Melalui cukai daripada transaksi di platform dan keuntungan syarikat AI.
• Peningkatan Kecekapan:
  • Melalui penggunaan AI dalam perkhidmatan kerajaan.
• Pembangunan Ekonomi:
  • Melalui penciptaan pekerjaan dan pertumbuhan industri AI.

Dengan membangunkan platform ini, Malaysia boleh menjadi peneraju dalam industri AI di rantau ini dan menarik pelaburan asing.

100 AI Tools to replace your tedious work

100 AI Tools to replace your tedious work:

1. Research

- ChatGPT

- YouChat

- Abacus

- Perplexity

- Copilot

- Gemini

2. Image

- Fotor

- Stability AI

- Midjourney

- Microsoft Designer

3. CopyWriting

- Rytr

- Copy AI

- Writesonic

- Adcreative AI

4. Writing

- Jasper

- HIX AI

- Jenny AI

- Textblaze

- Quillbot

5. Website

- 10Web

- Durable

- Framer

- Style AI

6. Video

- Klap

- Opus

- Eightify

- InVideo

- HeyGen

- Runway

- ImgCreator AI

- Morphstudio .xyz

7. Meeting

- Tldv

- Otter

- Noty AI

- Fireflies

8. SEO

- VidIQ

- Seona AI

- BlogSEO

- Keywrds ai

9. Chatbot

- Droxy

- Chatbase

- Mutual info

- Chatsimple

10. Presentation

- Decktopus

- Slides AI

- Gamma AI

- Designs AI

- Beautiful AI

11. Automation

- Make

- Zapier

- Xembly

- Bardeen

12. Prompts

- FlowGPT

- Alicent AI

- PromptBox

- Promptbase

- Snack Prompt

13. UI/UX

- Figma

- Uizard

- UiMagic

- Photoshop

14. Design

- Canva

- Flair AI

- Designify

- Clipdrop

- Autodraw

- Magician design

15. Logo Generator

- Looka

- Designs AI

- Brandmark

- Stockimg AI

- Namecheap

16. Audio

- Lovo ai

- Eleven labs

- Songburst AI

- Adobe Podcast

17. Marketing

- Pencil

- Ai-Ads

- AdCopy

- Simplified

- AdCreative

18. Startup

- Tome

- Ideas AI

- Namelix

- Pitchgrade

- Validator AI

19. Productivity

- Merlin

- Tinywow

- Notion AI

- Adobe Sensei

- Personal AI

20. Social media management

- Tapilo

- Typefully

- Hypefury

- TweetHunter

You choice, start now!

You become what you think about

Losers let it happen, winners make it happen.

Losers see thunderstorms, winners see rainbows.

Losers see icy streets, winners put on their ice skates.

Losers take chances, winners make choices. 

It's all in the way you choose to think. And Earl Nightingale and the scriptures and people through the years have said it best, you do become what you think about most of the time.

AI tools and start side hustle

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Kena tengok ni

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Start a side hustle

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Diaries of a CEO

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8 AI Tools to help your productivity

1. InVideo

➜It is a powerful and easy-to-use tool that can help you create professional-looking videos in

minutes.

➜Invideo.io is a perfect tool to create videos for your business, personal brand, or social media

channels.

2. Merlin

➜Effortlessly summarize long articles, emails, or even YouTube videos. Get the gist in seconds!

➜Craft perfect replies and emails with AI-powered suggestions. Save time and communicateclearly.

3. Meshy

➜Effortlessly transform 2D images into stunning 3D models. Perfect for designers, artists, &anyone wanting to bring their visions to life.

➜Easy-to-use AI tools, no complex software needed. Create, customize, and share your 3Dcreations in minutes!

4. Hyper3D

➜Easily customize & refine your creations. Perfect for game assets, design prototypes, & more.

➜Generate stunning 3D models from simple text prompts. No expert skills needed!

5. VisionStory

➜Bring your images to life with AI-powered talking videos! From rich facial expressions andlifelike movements to 30+ language support, HD video quality, voice cloning, green screeneffects, and beyond.

➜Create videos that captivate and inspire!

6. Trickle

➜Trickle.so Launch faster with built-in AI, stunning themes, & easy data storage. No extraintegrations needed!

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Lembaga Penyedut Duit Rumah Puaka

Lembaga Penyedut Duit Rumah Puaka

Mungkin benda ni berlaku pada korang 👇

Bayangkan hari-hari kau tengok kawan kau termenung makan maggi, hujung minggu duduk dalam bilik je. Kejap okay, kejap murung. Sentiasa kerja overtime macam takde hari esok. Itulah cerita Fikri, kawan aku yang pernah tersalah langkah besar.

(Dia minta aku sebar cerita ni untuk jadinpengajaran semua)

1. Cerita dia berlaku tahun 2010. Dia ni jenis semangat tinggi nak beli rumah, umur baru 28 dah sibuk cari property. “Kau tengok, kalau aku tak mula sekarang, bila lagi nak ada aset?” Aku pun angguklah, kagum dengan cita-cita dia.

2. Dia jumpa satu rumah, harga hampir RM400K. Sales agen promote habis-habisan. Katanya, “Dekat dengan MRT, kawasan tengah naik, boleh buat sewa lagi!” 

3. Lepas tu diumpan pula dengan lefall fee Dan spa fee free dan rebate Cashback 25k bagai. Fikri pun rasa macam jackpot. Tanpa fikir panjang, dia terus angkat.

4. Mula-mula nampak macam okey je. Tapi bila dah sign S&P, baru dia sedar. “Weh, aku punya loan RM2K sebulan, tapi bila tengok kadar sewa area ni, maksimum pun RM1K je orang sanggup bayar!”

5. Dia cuba naikkan sewa. Tapi siapa nak sewa mahal kalau rumah lain lagi murah? Penyewa pun bijak sekarang. Akhirnya, dia kena turunkan sewa ke RM1K, tak ada pilihan.

6 Setiap bulan, Fikri kena top up RM1K dari gaji untuk bayar baki loan. “Weh, duit gaji aku habis macam tu je, ghaib tiap bulan kat rumah puaka” 

7. Dia mula rasa stress. Bila duit gaji separuh kena bayar rumah, dia struggle nak cukupkan perbelanjaan lain. Belanja makan pun dah kena potong.

8. Satu hari dia luah: “Weh, aku rasa kena tipu dengan agen tu. Dia kata investment, tapi aku rasa macam sponsor tenant aku je sekarang.” Aku tak tahu nak jawab apa. Betul juga dia cakap.

9. Dia cuba cari penyelesaian. Tapi nak jual rumah bukan senang. Harga pasaran tak naik pun, malah ada risiko jatuh lagi sebab kawasan tu tak cukup demand.

10. Aku tanya dia: “Weh, kenapa kau beli terus dulu? Tak fikir panjang ke?” Dia balas, “Aku fikir ni pelaburan, aku ingat untung. Tapi aku lupa nak kaji dulu kadar sewa, kos tambahan, semua tu.”

11. Masa tu baru aku sedar, ramai kawan-kawan muda macam Fikri tersilap langkah. Sebab apa? Sebab ikut hype. Sebab ikut kawan-kawan. Beli rumah sebab orang lain beli, tak buat kira-kira betul.

12. Fikri cakap agen banyak janji manis. Siap tunjuk graf naik harga kawasan tu. Tapi graf tak bayar loan, bro! Duit gaji kau yang kena cover.

13. Dia tak semak lokasi betul-betul. Walaupun ada MRT, kawasan tu belum matang lagi. Tak ramai orang nak tinggal situ. Hasilnya, kadar sewa rendah.

14. Aku pun cakap dengan dia: “Kalau kau buat research lebih sikit, mesti kau nampak benda ni awal-awal.” Dia angguk, menyesal.

15. Aku cerita balik pengalaman senior aku aka mentor aku. Dia cakap, “Pelaburan rumah kena ada ROI yang jelas. Kalau loan tinggi, sewa rendah, jangan sentuh.”

16. Aku bagi nasihat untuk elakkan benda ni. Sebelum beli, kaji dulu kadar sewa kawasan. Tengok rumah lain sekitar. Jangan percaya agen bulat-bulat.

17. Fikri tanya aku, “Kalau aku tak beli rumah ni, aku nak buat apa dengan duit tu?” Aku jawab, “Simpan. Kalau cukup simpanan, kau boleh cari rumah yang betul-betul berbaloi.”

18. Jangan beli rumah sebab nak berlumba dengan orang. Rumah ni tanggungjawab jangka panjang, bukan aset untuk suka-suka.

19. “Kenapa kau tak pernah beli rumah?” Fikri tanya. Aku balas, “Aku beli rumah yang below market je. Aku pastikan simpanan cukup, ada emergency fund, lokasi betul, dan aku tak nak bayar lebih dari apa aku mampu.”

20. Terus dia terdiam. “Weh, aku rasa ni pelajaran paling mahal dalam hidup aku,” dia kata.

21. “Kau kena jadikan pengalaman ni panduan. Jangan ulang kesilapan ni lagi. Kau pun boleh ajar orang lain lepas ni.”

22. Sebelum balik, aku sempat pesan “Bukan semua rumah tu pelaburan. Ada rumah yang jadi beban kalau tak pandai pilih.” Ibarat lembaga penyedut duit.

23. Dia mula nampak hikmah. “Lepas ni aku kena lebih berhati-hati. Buat research lebih sebelum buat keputusan besar.”

24. Aku cakap dengan dia “Kita semua belajar dari kesilapan. Tapi jangan biarkan kesilapan ni hancurkan kewangan kau.”

25. Dia mula rancang semula kewangan. Buat bajet, cari cara nak kurangkan beban loan, dan mula bina simpanan baru.

26. Aku harap kita semua belajar dari sini. Beli rumah ni kena ada ilmu. Kalau tak, duit gaji kau yang jadi mangsa.

27. Aku kongsi cerita dia kat kawan-kawan lain. Aku nak semua orang tahu, jangan buat keputusan besar tanpa kajian mendalam.

28. Mesej aku jelas. Rumah bukan perlumbaan. Jangan terburu-buru ikut orang lain.

29. Aku tambah lagi, “Kalau kau tak pasti, tanya pakar. Dapatkan nasihat sebelum sign apa-apa.”

30. Moral cerita Fikri ni, jangan biar agen atau hype media sosial, ikutan kawan-kawan kawal keputusan kewangan kau.

31. Aku tutup cerita dengan nasihat terakhir

32. Pelaburan yang sebenar ialah pelaburan dalam ilmu. Fahamkan betul-betul sebelum kau serahkan gaji kau kepada ‘lembaga penyedut duit’ macam ni.

33. Ada ke yang pernah tersilap percaturan?

Game Plan Ekuiti Rumah

Malam ni aku nak bongkar satu rahsia kewangan yang ramai orang terlepas pandang — Game Plan Ekuiti Rumah!

Kenapa ramai bangsa Cina pandai gunakan rumah sebagai mesin jana duit? Jom kita kupas strategi mereka.

1. Apa Itu Ekuiti Rumah?

Ekuiti rumah = Nilai semasa rumah - Baki pinjaman bank

Contoh:

- Nilai rumah: RM500K

- Baki loan: RM300K

= Ekuiti: +RM200K (ini lah ‘DUIT TERSEMBUNYI’ kau!)

2. Cara Bijak "Perah" Ekuiti Rumah:

Langkah 1: Cek Nilai Semasa Rumah

- Jangan teka sendiri!

- Hubungi bank atau ejen hartanah untuk dapatkan harga pasaran terkini.

Langkah 2: Kira Baki Pinjaman Rumah

- Semakin rendah baki loan, semakin besar ekuiti kau.

- Target: Biar ada gap besar antara nilai rumah & baki pinjaman.

Langkah 3: Refinance Loan Rumah

- Pergi bank, apply refinance.

- Contoh: Bank luluskan RM400K.

- Baki loan lama: RM300K → Lebihan cash: RM100K masuk poket kau!

3. Apa Nak Buat Dengan Duit Cash Out Tu?

Strategi tutup hutang:

- Settle hutang-hutang dengan faedah tinggi.

Contoh:

- Hutang kereta: RM50K → Bayar habis guna duit refinance.

- Baki duit: Simpan, labur, atau buat renovate rumah.

Kenapa Strategi Ni Power?

- Faedah loan rumah (3-4%) jauh lebih rendah dari faedah hutang kereta (5-7%).

- Jimat faedah + kurangkan komitmen bulanan.

Langkah Penting Tak Tersilap Langkah:

==============================

1. Jangan syok sangat dapat cash, terus beli iPhone baru!

2. Jangan extend loan rumah terlalu lama, nanti umur 60 pun masih membayar.

3. Pastikan kadar faedah refinance lebih rendah dari loan lama.

4. Duit lebihan? Jangan joli. Buat tabung kecemasan atau pelaburan.

5. Bayar loan tepat waktu lepas refinance, jangan bagi nama naik blacklist!

Rumah bukan sekadar tempat berteduh, tapi "mesin ekuiti" yang boleh membantu urus kewangan dengan lebih bijak. 

Gunakan strategi ni betul-betul, hidup kau akan jadi lebih santai, kurang stress pasal hutang!

Ilmu ni untuk mereka yang belum tahu sahaja 😅

Nak tahu lebih lanjut? DM je terus!

#GamePlanEkuiti #StrategiBijak #RefinanceRumah

RUGINYA TAK BELI EMAS ATAU RUMAH DULU!

Ramai yang keliru antara simpan emas atau beli rumah. Dua-dua aset ini power, tapi mari kita bandingkan kenaikan nilainya:

Kenaikan Harga Emas

==================

📅 1 Jan 2023 - RM280/g

📅 1 Jan 2025 - RM409/g

💡 Kenaikan 2 tahun: RM129/g

📈 Peratus kenaikan: ~46%

Kenaikan Harga Rumah

===================

Contoh rumah teres sederhana:

📅 1 Jan 2023 - RM300,000

📅 1 Jan 2025 - RM360,000

💡 Kenaikan 2 tahun: RM60,000

📈 Peratus kenaikan: ~20%

💎 Perbezaan Utama

1. Modal Permulaan

🟨 Emas: Mula serendah RM100/g, tiada kos tambahan.

🏠 Rumah: Perlu deposit 10-20%, kos guaman, dan yuran lain (anggaran RM40k-50k untuk rumah RM300k).

2. Kenaikan Nilai

🟨 Emas: Kenaikan agresif (~46% dalam 2 tahun).

🏠 Rumah: Kenaikan perlahan (~20% dalam 2 tahun).

3. Komitmen Kewangan

🟨Emas: Tiada hutang. Beli ikut kemampuan.

🏠Rumah: Perlu ansuran bulanan selama 20-30 tahun.

4. Kecairan Aset

🟨Emas: Mudah dijual pada bila-bila masa.

🏠Rumah: Ambil masa lebih lama untuk dijual, dan mungkin perlukan kos tambahan (ejen, baik pulih).

5. Manfaat Tambahan

🟨Emas: Lindung nilai inflasi, simpanan mudah alih.

🏠Rumah: Boleh dijadikan aset pasif (sewa).

Kalau nak simpanan mudah dan fleksibel ➡️ PILIH EMAS.

Kalau nak aset besar untuk jangka panjang ➡️ PILIH RUMAH.

TAPI... kalau mampu, buat kedua-duanya! Simpan emas sambil merancang beli rumah. Emas boleh jadi "tabung rahsia" untuk kumpul deposit rumah dalam 2-3 tahun.

Jangan tunggu lama-lama! Sama ada emas atau rumah, harga akan terus naik. Lebih lama kita tunggu, lebih mahal harganya nanti.

Bagaimana Sedut Duit Orang Kaya ?

Part ni best. Memang faveret abang. 

Selalu buat kat ex boss abang. Always menjadi.

Nampak macam jahat jer. ..tapi rilex dulu gais.

gi la lek lek lu..sap sap kok dulu. ( gi rilex-rilex dulu..hisap - hisap rokok dulu ) 🤣🤣🤣

Dia macam ni.

Setiap manusia ada energy dia sendiri. Enegy ni dalam bahasa melayu..tenaga la. 

Takut ada yang tak tahu maksud energy ni. Maklum la, asal nama omputih jer...syirik 🤣🤣🤣

Energy dalaman

Ada energy sedih, energy kecewa, energy duit selalu takda dan energy kaya.

Bila kita fikir sesuatu pasal orang lain.

Kita mengeluarkan energy dan frequency daripada fikiran kita.

So frequency yang kita keluarkan daripada fikiran kita, akan matching ngan dia.

👉 Kalau kita selalu fikir pasal orang yang susah dan bermasalah. Kita matching ngan masalah dan susah dia. 

.

👉 Kalau kita selaku fikir pasal orang kaya yang bahagia. Kita akan matching dengan kaya dan bahagia dia.

What you always think. You will get it. So simple.

=================

👉 So macamana nak sedut duit orang kaya ?

Tiap2 malam...

Kita fikir pasal dia. Bayangkan kita tengok diri dia.

Handsome, kaya, berjaya, ada keta besar, ada duit banyak.

Kita feel kan rasa seronok sangat tengok dia.

Rasa teruja, happy and admire ngan sukses dia.

Masukkan feel - feel seronok, bahagia and teruja tu deep-deep kat dalam jiwa. Do it 5 to 10 minutes.

Korang akan rasa satu energy luar biasa mengalir kat dalam badan korang.

Sad - sad energy atau bad-bad energy yang risau, down, stress tu akan bertukar jadi energy yang fresh, segar, nyaman dan bahagia. So kat situ la bermulanya satu Tarikan yang kuat.

They Call It...like attract like.

Bila kita merasakan seronok atau bahagia tengok orang lain yang kaya, berjaya dan bahagia.. 

kita akan menarik kaya, berjaya dan bahagia itu datang dalam hidup kita.

Macam tu kira-kiranya.

Semoga Bermanfaat