cara bayar Loan Rumah

Ini cara sy lawan bank.

Bank dah kira brape keuntungan yg dye akan dpt dari sy, dgn kemudahan loan rumah 30 tahun. ni baru satu property. kalo 10 property, fuh xterkira ya keuntungan bank tersebut. 

Jadi ape yg sy buat? 

Sy buat hutang panjang2, tp abiskan dalam mase yang pendek.

bank dah kira untung 30 tahun, tp hanya dapat 10 tahun shj. hehe. 

Jadi apekah tips utk memendekkan hutang rumah? 

1- kene pilih pembiyaan flexi/ semi flexi.

kumpul duit, dh dpt satu amount besar terus ke kaunter n bayar principal.

style sy mmg jenis kumpul duit, setiap tahun bayar principal rm20k. bayar sekali je setahun, sbb malas nk simpan resit byk2.

[boleh je byr bulanan tu lebih sikit. depends kpd individu nk bagaimana]

ape yg bagus bayar principal ni?? 

1. Dapat selesaikan rumah lebih awal. dari 30 tahun boleh jd 20 tahun.

sy nye rumah dari 35tahun dapat setel 5tahun je. tu yg byk rumah dah tu. tu adaaa teknik dye. nak tau ke cmne?? 

2. Dapat kurangkan byrn faedah. yg ni kalau tgk, fuhh sakit hatiii. tu yg amik mora hah mmg lee. tu yg ramai pm, asal dye dah byr rumAh 10 tahun, tp loan x effect pun. sbb tu uol byr interest yg lebih, principal sikit shj.. ce byr principal, haaa terus loan pun berkurang. 

3. Menjadi jutawan yg tenang tanpa gangguan loan2.

mmg ramai yg menjdi juatawan skrg.tp anda jutawan yg mana? jutawan yg tidak tenang sbb hutang keliling pinggang. atau jutawan yg tenang, sbb tiada hutang pun perlu dirisaukan.

Anda pilih yg mana? 

Sumber : DrWani, yang gila property, gila emas.

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