Tips Resipi

Sudah lebih 2 tahun, saya membantu suami dalam mengendalikan salah satu program nya iatu Bengkel Cashflow 101. Sepanjang tempoh itu juga saya sudah berjumpa dengan pelbagai jenis orang. Ada yang masih belajar, ada yang sudah bekerja tapi masih bujang, ada yang sudah bekerja dan sudah bekeluarga, ada juga pasangan suami isteri, malah tidak lupa ramai juga golongan-golongan senior yang sedang menunggu masa untuk pencen atau bersara dari bekerja.

Rata-rata mereka yang hadir ke dalam bengkel ini tidak lain dan tidak bukan adalah untuk belajar bagaimana untuk menguruskan kewangan mereka disamping mengetahui cara-cara menambah pendapatan bulanan mereka.

Antara perkara yang mereka pelajari untuk menambahkan pendapatan mereka adalah dengan BERNIAGA. Dan saya memang sangat menggalakkan agar kita memulakan perniagaan sampingan secara kecil-kecilan, kerana kos hidup kita yang kini makin meningkat.

Justeru, saya berikan disini beberapa jenis perniagaan yang puan-puan boleh jalankan di rumah yang tidak memerlukan kos yang besar. Apa salahnya kita pun tolong suami cari income lebih Oops… yang belum berumah tangga pun apa salahnya tambahkan pendapatan anda bersama.

1. Gubahan bunga, hantaran, etc

2. Menjahit baju, manik

3. Khidmat andaman (tidak perlu limit pada majlis perkahwinan sahaja)

4. Upah memasak (untuk majlis kecil-kecilan)

5. Buat kek, cookies, etc

6. Sertai MLM (Jangan terlibat dengan MLM yang menipu ya)

7. Mengajar tuisyen

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Dan banyak lagi jenis perniagaan yang kita boleh buat. Sesiapa yang punyai skil yang tidak dipunyai oleh ramai orang lain, jadikan ia sebagai satu cabang bisnes kita

Selamat Berniaga!

Saya berminat juga nak tau pasal futures market. Lebih-lebih lepas Pakdi ada tulis dalam blog dia yang setakat 2,3 ratus tu boleh dapat dalam sejam dua. Itu kalau 1 lot. Kalau saya ada modal untuk bukak 2,3 lot, rezeki baik, InsyaAllah tiada masalah nak dapat pendapatan sampingan yang lumayan setiap bulan.

Lepas berbual-bual dengan futures trader, baca-baca artikel-artikel mereka, trade futures ni senang cakap macam main kontra. Cumanya dalam pasaran saham, kita akan bayar penuh nilai saham lepas 3 hari (T+3) tapi yang menarik dalam futures market ni, dia T+30. T+60, T+90 pun ada. Jadi kita kena perlu letak margin yang rendah sahaja dan tak perlu bayar full value kontrak tersebut. Margin ni kira depositlah.

Kebanyakan institutional investor gunakan futures ni untuk hedging dan arbitrage. Tapi setahu saya mereka pun speculate jugak macam retail investor. Jadi, rule of the market macam follow the trend semua tu boleh diguna pakai juga dalam pasaran hadapan ni.

Yang best lagi tu, futures trader akan buat untung masa harga naik dan harga jatuh. Fuh. Itu memang bagus. Main saham di Malaysia tak dapat peluang ni. Ingatkan pasaran forex je boleh macam tu, tapi rupanya di Malaysia pun ada peluang macam tu. Peluang ni sangat baik.

Bila boleh dapat untung besar dalam masa yang cepat, jadi risikonya juga lebih tinggi dari pasaran saham. Sebabnya futures market ni zero-sum game. Boleh kata futures market ni macam English Premier League dibandingkan dengan liga-liga bola sepak lain kat dunia ni. Pantas. Lagi mencabar. Lagi liquid. Kalau menang pasti syok gile. Tapi kalau rugi? Huh…

Mereka yang dah lama dalam futures market ni sebut, disiplin adalah kunci utama untuk survive lama. Stop loss tu penting sangat. Bila kita dah bagi order stop loss kepada broker, itu bermaksud kita dah tentukan berapa banyak kita mahu rugi kalau kita tersalah. Tapi itulah, macam mana tahu kita letak stop loss tu betul ke tidak? Siapa nak ajar kita? Mentor… Ya… Mentor mesti ada.

Kaunter pasaran hadapan di Malaysia yang popular ni adalah FKLI dan FCPO. Untuk mereka yang mahu peluang pelaburan halal, Pasaran Hadapan Kelapa Sawit (FCPO) sudah disahkan halal oleh Majlis Penasihat Syariah Suruhanjaya Sekuriti Malaysia. Jadi, kita boleh fokus dalam pasaran CPO sahaja. Tetapi kena ingat, jangan terjebak dalam skim-skim haram sudah lah. Kena cari broker pasaran hadapan yang sah.

Nak bercerita panjang pun saya tak reti sangat, apa kata kita semua baca artikel-artikel Pakdi pasal Futures Market ni dalam blog dia. Bahasa pun tak lah terlalu teknikal sangat. Pakdi dah cuba mudahkan semampunya.

Boleh baca di http://www.pakdi.net/my/category/pasaran-hadapan/

Saya memang berminat nak terlibat dalam pasaran hadapan ni. Tapi saya perlukan mentor seperti yang saya dah sebut awal-awal tadi. Benda baru, kenalah belajar dulu. Keluar duit sikit dulu pun takpe bukan senang nak belajar pengetahuan macam ni. Daripada rugi ribu-ribu terus, lebih baik invest on education first kan?

Hmm … Kebetulan ada Bengkel Pasaran Hadapan (Asas) yang diadakan oleh SM Learning. Trainer dia dah terlibat dalam pasaran hadapan ni lebih 14 tahun. Mesti dia boleh kongsikan rahsia-rahsia futures trader yang berjaya.

Kalau nak tahu lebih lanjut pasal bengkel tu, kena lah tengok http://www.smlearning.net/asas/

Ok lah. Jumpa lagi. Kita jumpa di sana ye!

I’m not sure whether Malaysians know that we have a lot of banks in our country. Hmm.. Maybe they know about that, but perhaps do not know what the banks can offer you as an individual or corporate / company or even the government itself! Banks have various loan financing structure for your business.

Meaning to say, those people who are IN NEED, there is a way for you or your company to raise funds as long as you know the people who has surplus of funds. If u do not, then, where the banks come in.

I was inspired to write this topic by watching a Malay drama so called, Spa Q @ TV3, every Monday - Thursday evening, starting from 6.30pm to 7.30pm. I love this drama and follow every episode of it until, I found there was a part of the story which is not relevant or logic at all! Haisy… It’s annoying! Grrr…

Watch this…

Oopps.. It’s only 2-minutes scene from the whole episode For those who has never follow the drama, brief explanation on the above shot.

Those 3 “business-people” were the shareholders of Ashura’s Technologies Sdn Bhd. There was another man (business enemy of Ashura’s Tech) who was not in the scene named Helmi, is trying to buy over the shares from one of the shareholders. And the value of the shares is RM2 million. However, the management of Ashura’s Tech (Zafrul and Marlia) disagree on the selling of the shares to their big enemy! The option that they had in the mind was they gonna buy Mr.Talib’s shares. But, the problem is… where can they get the RM 2 million to buy over the shares?

Haiyaa… Easy to answer maa.. But still, they do not know the way to raise funds of RM2 million (this isssue had been discussed for more than 3 episodes!). So, u guys.. Could u please help these super brilliant-business people to come out with the option where do they can raise the fund to buy the shares. Think.. Think.. Think.. :p

“I’m passionate about very small business, it’s positive impact on personal lives and for local communities. Reducing small business failure is my aim and
that of WinWeb’s services” - Stephan Topher, Founder & CEO of WinWeb

I came across his blog while searching for answers for all my questions. And I found it here!

Eda’s comment: Such a wonderful blog, very informative and useful using a simple languange that makes everybody easy to understand every single message he tries to convey.

Some of interesting topics:

- How to start your own business with no or little money

- Concentrate on your business, and not your office

- How to be succesful by focusing on your core business

- etc.

Managing Expenses

Managing expenses is a challenge for most small business owners, but it’s a challenge worth mastering. Losing track of expenses can lead to your not being reimbursed by clients, paying too much, and/or paying for things that you really don’t need.

For most small business owners, the only thing worse than shelling out hard-earned cash for expenses is shelling out hard-earned cash for unnecessary expenses. Separating the unnecessary expenses from the necessary ones isn’t easy, but it can be done.

Here are a few expense management guidelines to help you get a handle on some of the most frequently abused expense categories in small businesses.

Petty Cash

The petty cash account is the most fluid and most easily abused account in every small business. To rein in your petty cash account, you’re going to need to lay down some ground rules. For starters, the petty cash account should be just that - petty. The whole account shouldn’t exceed more than RM300* or so, and employees should be accountable for receipts. Also, the account shouldn’t be used to pay for things that cost more than RM50*. If it costs more than that, employees should be instructed to follow the standard expense procedure. To keep it on the up and up, the petty cash fund should be placed in the care of a designated custodian who reports to your company’s bookkeeper.

Company Credit Cards

Company credit cards are convenient and seemingly hassle-free. But if you don’t stay on top of what’s being purchased they won’t stay hassle-free for long. Establish a policy that company credit cards are to be used for business purchases only. No personal purchases should be allowed, even if the employee intends to reimburse the company for personal charges. Additionally, it should be standard practice to obtain detailed receipts for each purchase, itemizing exactly what was bought on company plastic. Finally, at the end of the month, make sure your accounting department reconciles purchases against the statement provided by the credit card company.

Account Reconciliation

Monthly account reconciliation shouldn’t be limited to your credit card account. It’s important to have a system in place that provides for a monthly reconciliation of expenses with built-in checks and balances that make it difficult for any one employee to skim money from the business. If you’re not sure how to do that, contact your accountant for details.

Travel Expenses

For some people, a business trip is little more than a paid vacation on the company’s tab. Unless you’re comfortable springing for luxury accommodations for your employees when they are away from the home office, you’ll need to have a system in place to monitor travel expenses as well as a policy describing what is and isn’t allowable when employees hit the road. Like other kinds of expenses, employees need to provide detailed receipts for all of their travel-related expenditures. However, it’s also helpful to establish guidelines in advance that address topics like food allowances, airfare (economy vs. first class), hotel budgets, and extras like pay-per-view movies and long distance calls.

One more thing to keep in mind: Just because you paid for it doesn’t mean it’s automatically deductible at tax time. Some expenses are subject to Inland Revenue Board (”IRB”). Rules that may either limit their deductibility or disqualify them completely. If you’re not sure whether or not an expense is deductible, it’s a good idea to contact your tax-preparer before you buy it.

*Note: The amount is not final. It depends on your business’ culture

Hari ni masuk hari kedua kelas CCP saya untuk bulan Julai Dan hari ni saya belajar tentang National Land Code. Hari ini juga trainer telah mengemukakan satu lagi soalan yang buat saya ketawa besar (satu lagi soalan senang, tapi semua tak tau nak jawab. Hehehe… )

Soalan: Are u Malay or Bumi?

Ada sesiapa yang boleh bantu saya sekali lagi jawab soalan ni?

Hari ni saya ada kelas CCP seperti biasa. Kami belajar tentang cashflow. Sebelum masuk kepada isi yang lebih terperinci, trainer bertanyakan soalan yang sangat mudah, tapi kami semua tak tau nak jawab. Hehe :p

Soalan 1: Kenapa Balance Sheet mesti balance?

Soalan 2: Apa beza Profit dan Cash?

Ada sesiapa yang boleh jawabkan untuk saya?