Saturday, December 17, 2011

Happy Birthday Awak !

Tak terlambat kan kalau aku nak wish happy birthday to my girlfriend, Fatin Nadia Fadzil. Sweet 21. Semoga di panjangkan umur, dimurahkan rezeki dan mendapat kejayaan di dunia dan di akhirat. May God bless you sayang ! Nak buat surprise untuk awak jauh sangat. So nie sahaja surprise yg saya mampu buat untuk awak.

Pecan Butterscotch
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Happy Birthday to you 
Happy Birthday to you 
Happy Birthday to Sayang
Happy Birthday to you !

Sorry awak nie je yang termampu saya bagi awak masa awak kat sana. Hadiah pun awak dah dapat walaupun in advance. Harap awak happy :) Dah lebih 3 tahun we belong together. Thank you to be a part of me.Semoga relationship berkekalan and diberkati. Amin!

" I'm not perfect enough and impatient. I make mistakes, I am out of control and at hard times to handle. But you can handle me at my worst, then you really know what is the best for me " - burn - 

Wednesday, December 14, 2011

Rich Dad Poor Dad

Dah lama aku tak post entri kat blog Mak Pun Tak Kisah ! sebab busy daily routine kot. Takpela reason tue tak penting actually. Tapi yang lebih penting apa yang aku nak share dgn korang semua different dari entri-entri aku before this. Basically aku tergerak hati nak share after abah aku sent email dekat semua anak-anak dia piece of article dalam buku 'Rich Dad Poor Dad' ditulis oleh Robert Kiyosaki.Dia nie seorang investor USA, businessman, author, motivational speakers and etc. 

Buku nie memang sangat popular dan memang telah laris dijual ke seluruh dunia. Aku rasa terpanggil untuk share dgn korang semua sebagai inspirasi untuk kita semua to get better in your life. Robert tu bagi steps how we can get better life in future. Lagi-lagi kita semua still muda and still ada masa untuk mencorakkan kehidupan masa depan kita yang lebih cerah. Okay, nie aku copy paste piece of article dalam buku 'Rich Dad Poor Dad'.

Today, because of the multitude of choices we all have, it is easy to get distracted from where we want to go in life. I offer you a few suggestions on how to find your path and stay on your path to great wealth, if you should choose to do so. 

One night in 1975, I sat in my little apartment and began to choose the path I was now to take. I had to again decide which dad’s path I would follow, my rich dad’s or my poor dad’s. I had been off track for 10 years and it was now time to get back on track. 

These are some of the decisions I made and have continued to make over the years. 

Step One: Decide to Be Rich 

That night in 1975, I had to stop feeling sorry for myself and decide again to be rich. I went over some of the lessons my rich dad had given me - lessons that were more important than money, because they would ultimately create the financial empire I wanted. 

I sat quietly that night and my lessons began all over again. I could hear my rich dad talking. “The only difference between the rich, poor and middle class,” he said, “is the kind of lifestyle they want. You don’t have to be psychic to tell a person’s future. If you listen to the words a person uses, they will tell you their future.” 

Rich Dad believed that words were a person’s most important tool. He constantly reminded me to watch the words I spoke, simply because he believed that the words you speak and the words you think ultimately become the world you live in. He often quoted the Old Testament: “And the word became flesh”. 

So that night, I remembered Rich Dad reminding me to listen to different people’s words. I noticed that poor people often said: 

“I just want enough money to pay the rent.” 

“I need a few dollars to get to the next pay day.” 

“After I pay my bills, I don't know how my family can afford to eat.” 

People who used words such as these, often focused only on financial survival. Rich Dad often referred to these people as “poor” people, because they were poor managers of money. So a person who thought or spoke words such as these was constantly fighting for financial survival, regardless of how much money they made. 

The middle class used different words because they had different ideas about how to use their money: 

“Our home is our most important asset and our largest single investment.” 

“We’re setting a few dollars aside every month, so we can afford the down payment on our dream home.” 

“We’re saving money for our children’s college education and our retirement.” 

I noticed that the middle class focused on comfort. That is why so many of them say, “I don’t want to be rich. I just want to be comfortable.” 

That night, I recalled the words my rich dad’s rich friends used: 

“How did you finance your shopping center? Did you syndicate it with a joint venture partnership or did you go to a hard money lender for the interim money?” 

“My underwriter has a new private placement, pre-IPO offering. Do you want a position in it?” 

“I bought the shares through my corporation because the long-term tax consequences are better.” 

The rich used the vocabulary found in the asset column. Rich Dad said, “The rich are rich because they are not focused on day-to-day short-term survival, or the expense column as the poor are. Nor are the rich focused on comfort and the acquisition of liabilities using credit, as the middle class is. 

The rich are rich because they focus on the long-term acquisition of assets... assets such as stocks, bonds, businesses and income producing real estate. Many times the rich will forsake meals, a steady pay check, a vacation, or the comfort of a nice home, to build or acquire real assets.” 

So decide to be rich, even if you are broke and penniless today. In 
Rich Dad Poor Dad, I wrote of the difference between being poor and being broke. Poor is a state of mind where thoughts such as “I can’t afford it” or “Live below your means” come from. Being poor is eternal but being broke is temporary. 

The opening chapter of The CASHFLOW Quadrant is called, “Why Don’t You Get a Job?” It begins with my wife Kim and I being homeless for about 3 weeks. Even though we were virtually out of money, we continued to strive to become rich, to build a business and invest through that business. 

Today, even though we have plenty of money and several businesses, nothing much has changed. We continue to build businesses, reinvest in our businesses and invest through those businesses. 

In The CASHFLOW Quadrant, I wrote about Be-Do-Have. “Be” is the most important part of the three word formula. Most people want to “Have” what the rich have, but they often are not willing to do what the rich “Do” to have what the rich “Have”. 

So whether you have money or not, it is important to “Be” rich if you decide to do so, which means being willing to make being rich more important than merely surviving financially or being comfortable. 

Step Two: Decide What Kind of Money Problems You Want 

There are only two kinds of money problems: not enough money or too much money. Unfortunately, the kind of money problem most people know is not enough money. 

Rich Dad stressed that his son Mike and I know not only how to make money but what to do with the money we made. Rich Dad said, “Most people know how to work for money, but they do not know how to have people and money work for them.” So he taught us how to plan on having too much money. 

He said, “If you want to be rich, you must make sure your excess money creates more excess money. You must know what to do with your excess money before it gets to you. Most people, when they receive any excess money, spend it foolishly or just park it in the bank.” 

So decide what kind of money problems you want. 

Step Three: Write Your Plan and Follow It 

After choosing between being rich, poor or middle class, and then choosing between too much money or too little money, it’s time to write your plan. 

If you have chosen to be rich, even though you are broke today, and have decided to have the problem of too much money, read on. If you do not plan to be rich or to have too much money, then you need not read any further. 

Rich Dad’s plan started with a few basic goals: 

1. Change the characteristic of your income. Start a part-time business. 

2. Change the characteristic of your expenses. Convert personal expenses into business expenses. 

3. Place your business inside a legal entity. 

4. Have your business buy your assets. 

5. Harness the power of reinvesting. 

If you’re willing to be a little uncomfortable to become very rich and retire early, develop your plan — even though you may be broke, but not poor, today. And if you are already rich, Rich Dad’s plan may help you become richer and happier...even beyond your wildest dreams. 

Step Four: Decide on Where You Want to do Your Banking 

Rich Dad often said that you could tell the difference between the rich, poor and middle class simply by where they went to get their money or to do their banking. 

Rich Dad said, “A poor man’s bank is a pawn shop.” A pawn shop lends money on “assets” that a banker would not loan money on. When a poor person is short of cash, they will often go to the pawn shop and put their chainsaw, microwave oven, jewelry, TV sets, tools, or watches up as security. 

The pawn shop gives them cents on the dollar, because what the poor spend their money on is not worth anything after they buy it anyway. The pawn shop makes money by charging legal usurious interest rates. 

The middle class has the creditworthiness to use banks, savings and loans, or credit unions for their lines of credit. A popular form of credit for this group is the credit card, which is easy to obtain. 

The rich also use banks. But they often use different banks. They use the services of investment bankers, or find private capital from wealthy individuals, or money from institutions such as pension funds, insurance companies or the stock market.

The rich, if successful as business people, have fewer problems raising large sums of money and at better interest rates. So decide where you will do your banking. 

Step Five: Choose Your Friends and Partners Wisely 

One of the reasons the rich get richer is because they spend time with other rich people. Most of my best investments come from my rich friends, not from my stock brokers or real estate brokers. It is important to know if a person’s aspirations are to be rich, comfortable or simply survive. 

Friends who merely want to be comfortable or survive will not understand why you want to be rich and may unconsciously pull you down. And besides, the investment tips I get from people who only want to be comfortable are often tips on investments that no one else wants. 

How do you find people who are rich or want to be rich? Rich Dad had a simple answer: “It’s what you know that determines who you know. If you want to change who you know, simply change what you know.” So the most important investment you can make is in your financial education and financial experience. Invest in that first and the people you spend time with will change. 

Step Six : Give Yourself Time 

It takes time to build a business as well as an investment portfolio. Building a business is not the same as getting a job. With a job, you expect to be paid soon after starting work. With a business, you may not be paid for years, if you are paid at all. That is why I recommend keeping your daytime job and starting a part-time business. 

It is said that 90% of all businesses fail in the first 5 years. In my opinion, there are two main reasons for this sad statistic. One reason is lack of education and experience. Business is not something you can learn in school. Business is a combination of formal education, experience and guts. 

The second reason is lack of money. We have heard the old cliche “Killing the goose that lays the golden egg”. When starting a business, many people kill the baby-goose before it’s old enough to lay the golden egg. 

In other words, most small businesses are undercapitalized, which means the new business owner tries to support him or herself and often a family on a business that is not yet up and running. So the business is drained of cash when it needs it most to grow. 

Step Seven : Start Small, Dream Big 

In 1975, I realized that my $700 in savings was not much when compared to Mike’s hundreds of millions of dollars, which were rapidly growing into a billion dollars. Initially, I felt like giving up, saying to myself, “What’s the use. I’ll never have more than Mike.” But then I realized that if I continued with that thought process, not only would I never have more than Mike, I would never have much of anything. 

I was comparing myself with Mike and trying to compete with him, rather than use him as inspiration and as a mentor. So that night I decided to dream big and start small. 

Many people start small and stay small, simply because they have small dreams. In my opinion, big dreams are important because they possess ingredients vital for success: hope, desire, passion, energy, vitality, faith, drive, inspiration and creativity. These ingredients make life worth living. 

So dare to dream big. Dream of all the wonderful things this world and life have to offer. Write your plan on how you can have all your dreams come true and look at the plan every day. Talk to people about your dreams, even those who criticize them. Then use their criticism to make your desire even stronger. 

Step Eight: Before You Expand You Must Contract 

In 1975, I knew that if I was to achieve great wealth quickly, I first needed to tighten up before I could expand. I was hurting financially because I had been sloppy with my money during the past 10 years. 

In college, I’d spent a lot of money just having fun. In Vietnam, I’d developed the attitude of living life to the fullest because tomorrow I could be dead. If I was going to get ahead, I first needed to pull back a little. Instead of playing golf, rugby and tennis, I focused only on rugby. 

Instead of spending every night in the clubs or watching television, I needed to get back to studying. Instead of trying to be everywhere and do everything, I decided to focus. I began doing more — of fewer things. 

So, regardless of what you did yesterday, if you want to do better financially tomorrow, you may need to forgive your past, tighten up your activities today, so you can have a bright and prosperous tomorrow. To expand, you must first contract. 

Step Nine : Get Bigger Faster 

The problem with a small business or small investments such as one single family rental, is that you have to do all the work. You do all the work because there is not enough money to support paid management. So you own it and manage it. 

Very often, a person begins to buy real estate and soon quits because the work is hard and the pay is low. They started with a small plan and stayed small. 

For business or investing to work for you, in most cases you must get big. Instead of buying only two rental properties, plan on acquiring at least 20 properties as soon as possible. (But make sure you know what you’re doing first.) With 20 properties you can afford professional management, if the cash flow is strong, or you can trade the 20 units into one larger apartment house or office building. 

The same goes with businesses, especially franchises etc. If you have only one franchise, you are the chief cook, bottle washer, owner and manager. If you have 20 of them, you have a chance of finding freedom faster. 

The people who dream small, think small, and work small, work the hardest and are paid the least. So that night in 1975, I vowed to focus, acquire education, gain experience, start small and get big as quickly as possible. 

I always remind myself of my rich dad’s words: “The bigger the asset you build, the less you work and the more money you make.” 

Step Ten : The More You Share, The Richer You Become 

In 1975, I knew that if I wanted to acquire great wealth quickly, I had to be a person who shared. I had to be generous. If I was greedy, stingy or tight, it would take me longer to attain great wealth. 

So, I decided to operate out of the B (Business Owner) quadrant, rather than follow my poor dad’s ideas on labor unions and protectionism. I knew that I needed to focus on doing more for less money, for more people. I needed to focus on sharing as much of my wealth with as many people as possible. 

So Step Ten is to be generous and share. If you do that, you will become far richer than those who work only for themselves. 

Every day we are presented with multiple choices, so that we must continually choose and re-choose our chosen path. If you choose to be wealthy, use these ten steps to find your path and to stay on track. 

Akhirnya habis jugak article yang panjang nie. ahahaha. Actually memang bosan untuk dibaca tapi kita kena realise in  the future apa akan jadi pada kita sebab kita yang mencorak kehidupan dari awal untuk masa depan and kena ada planning la kan dari situ InsyaAllah akan keluar secret weapon or potential kita semua. Aku harap apa yang aku share nie walaupun tak menarik tapi sekurang-kurangnya kita dapat input sket pun takpela. 

Sharing is caring. 

After habis article tu abah aku tue dia tulis kat email :

"Here is a piece of article that could you on how to change your life for the better.
Of course kita merancang but Allah decides. Good luck ! "
- Zuhir -

Aku assume maybe abah aku nak bagi inspirasi untuk anak-anak dia berubah cara hidup to get better life. Jangan terlalu selesa dengan keadaan sekarang. Article nie banyak ajar kita cara macam mana nak mulakan dari awal sampai akhir. Maybe dia lebih tekankan untuk kita semua buka business or investment tapi point aku nak state kat sini kita semua mesti ada plan apa yang perlu kita lakukan, apa yang kita nak jadi pada masa hadapan. Good luck !

Thank for your time to read this. Cheers!

Saturday, November 12, 2011

Congratulations !

Istiadat Konvokesyen UiTM Ke-75
Dewan Agong Tuanku Canselor ( DATC)
October 2011

Congratulations on your graduation day
Fatin Nurul Aishah binti Zuhir & Fatin Nadia binti Fadzil
Proud both of you !

Saturday, September 3, 2011

Short-term Wishlists :))

Before end of this year, i wish i can get all my short-term wishlists.ahahaha. Ntah la aku pun tak tahu boleh dapat ke tak sebab kadang-kadang teringin nak pakai and own all my wishlists for my own satisfaction :) nampak sgt kehendak nafsu.HAHA.abaikan ok. Bila ada duit rasa syg plak nak beli short-term wishlists, baik simpan je duit utk long-term wishlists. Dilemma betul. So far alhamdulillah aku dapat tahan dari 'terjebak' beli all those things yang tak penting.

Public Gold or Maybank Saving Gold 

Note : Pelaburan emas nie memang lately aku interest gila.If korang kaji sendiri pun memang ada kelebihan dari korang freeze asset korang dalam bank or waiting dpt dividend annually.memang tak berbaloi and kurang menguntungkan. Semalam aku ngan pakcik aku dah differentiate antara Public and Maybank mana lagi bagus,  bagi orang yg baru berjinak-jinak ngan emas better Maybank Saving Gold sebab kita boleh beli emas serendah 1 gram bila-bila masa and jual pun bila-bila masa. Cuma kat saving tu mesti minimum ada 1 gram. One more important thing tentang Maybank Saving Gold nie, kita tak pegang emas tu, benda tu on paper. Maybank yg pegang.emas tu. Alhamdulillah aku dah pun beli 1 gram baru-baru ini. Actually ni long term investment aku utk masa hadapan. I'm looking forward for my 1st real asset, definitely condominium :)

  NIKE Lunar Gato
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Note : tak ada reason yg kukuh aku nak beli benda alah ni sebab kasut futsal Nike Elastico hadiah dari Mcteen still cantik and boleh digunakan. Cuma aku impress masa aku try dekat kedai Al-Ikhsan dulu memang comfortable dgn kaki aku. Tapi tak tau la utk shooting mcmane kan. Still under consideration. 

PUMA Esito Vulc Sala
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Note : Memang tak disangkal lagi kasut nie memang jadi priority aku utk beli. Serious aku rasa cantik sgt. Aku pun dah try kasut tue kat Puma Times Square last 2 months, memang dah aim. InsyaAllah ada rezeki lebih aku beli. Adik aku dgn Mcteen pun ckp cantik :D

FOSSIL Leather Belt
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Note : Firstly aku minat sebab leather. Brand lain pun mmg ada jugak mcm Camel tapi design plak kureng. Kira kalau beli and pakai tue rasa dapat satisfaction la. Btw, leather belt nie best. Problem nak dapat kan belt nie sebab harga belt nie aku rasa tak worth it lagi. Still waiting belt Fossil nie sale.  

PUMA Faas 300
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Note : Puma Faas ni aku rasa senang sebab dia boleh jadi fleksibel casual and sport. So nak guna utk jogging and santai-santai pun boleh.

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Note : Aku memang peminat sandal. Nike ACG ni simple and kemas so memang masuk dgn kehendak aku.ahaha. Harga dia boleh tahan. Priority sandal nie rendah sket sebab sandal kat rumah aku boleh digunakan lagi sebab baru lepas gam sandal tue pakai gam kasut. So kalau dah disposed nanti baru aku dapat sandal ACG nie.

Finally, harap-harap wishlists aku dapat diperolehi dgn jayanya.Amin. Still berharap dapat hadiah dari family or maybe Mcteen. Manetau time birthday ke, seronok jugak. AHAHAHA. Tapi Mcteen bukan tau pun aku handle blog secara aktif nie sebab dulu aku pernah cakap aku ada blog tapi memang aku buat utk subjek AIS 630.So kalau dia tau aku ada blog and baca plak entri nie mane tau dapat hadiah dari dia kira bonus.ahaha. Alhamdulillah la kan, kira marketing aku berjaya. Tapi kalau tak dpt terpaksa la kerja keras beli sendiri. Actually aku involved blogging nie after get influence dari kawan-kawan aku utk generate income from this area. Alhamdulillah memang berhasil. Walaupun still sket tapi week by week memang nampak perubahan income.Thanks korang.kalau ada rezeki lebih aku belanja.Doa-doa la aku murah rezeki lagi :)

" Great dreams of great dreamers are always transcended "

Tuesday, August 9, 2011

Who inspire you ?

Entri kali nie aku nak bercerita tentang Idola. Skop idola ni sangatt luas untuk dikupas. Aku rasa dalam dunia ni mesti kita ada idola tersendiri.Kalau tak ada pun korang mesti sedikit sebanyak ter-influence dengan cara ‘idol’ korang. Orang tu can be nabi kita iaitu Nabi Muhammad S.A.W, your family members, artis, atlit, ustaz or maybe somebody else. Straight to the point, aku sendiri mempunyai idola tersendiri, so idola aku ni banyak sebab aku pilih idola aku dari sudut keperibadian, sukan, kerjaya dan pendidikan.Setiap idola aku have a different personality and they have their own strength.


Nama : Muhammad bin 'Abdullah bin 'Abdul Muttalib bin Hashim
Tarikh Lahir : 12 Rabiulawal / 20 April 571 M ( Subuh Isnin )
Tempat Lahir : Di rumah Abu Talib , Makkah Al-Mukarramah
Nama Bapa : 'Abdullah bin 'Abdul Muttalib bin Hashim
Nama Ibu : Aminah binti Wahab bin 'Abdul Manaf

Note : Tak boleh disangkal lagi keperibadian Rasulullah S.A.W. Kalau korang pernah tengok berita dulu ada seorang penulis nama dia, Michael H. Hart tak silap aku dia pernah tulis satu buku tajuknya The 100 : A Ranking of the Most Influential Persons in History. Dalam buku tu sendiri Michael H. Hart meletakkan  Rasulullah S.A.W sebagai orang nombor satu paling influence dalam dunia. Orang yg bukan Islam pun mengiktiraf Nabi Muhammad S.A.W. Michael letak Isaac Newton in 2nd most influence persons in history and 3rd is Jesus Christ.


Nama : Raul Gonzalez Blanco
Tarikh Lahir : 27 Jun 1977
Tempat lahir : Madrid , Sepanyol
Ketinggian : 180 cm
Posisi : Penyerang
No. Jersi : 7
Kelab : Schalke 04 dan Real Madrid

Note : Aku minat Raul ni since masa dia kat Real Madrid CF,masa tu dia still muda lagi and aku pun sekolah rendah lagi sama naik dengan zaman kegemilangan Newcastle United :)) . Tapi sekarang dia dah transfer kat Schalke 04. Dia nie born-to-be striker la, sangat creative create game masa dalam padang, character dalam padang yg orang lain akan respect and dia boleh influence orang lain.That y dia jadi captain masa kat Galaticos dulu. Paling latest record Raul buat ialah dalam sejarah Champions League Raul telah menjadi player pertama yg score 50 gol dlm sejarah tournament melepasi Lagenda Real Madrid jugak, Alfredo Di Stefano. So, sekarang ni dia menjadi penjaring gol terbanyak dalam sejarah Champions League dengan 56 gol.Tahniah Raul !


                                          Nama : Dato' Seri Mohd Nazir bin Tun Abdul Razak
                                          Tarkh Lahir : 1966
                                          Tempat Lahir : Kuala Lumpur
                                          Nama Bapa : Tun Abdul Razak
                                          Nama Ibu : Tun Rahah Noah
                                          Pendidikan :  1) St. John's Institution
                                                                 2) Secondary School ( United Kingdom )
                                                                 3) Bachelor of Science ( University of Bristol )
                                                                 4) Master of Philosophy ( University of Cambridge )
                                         Jawatan : Ketua Pegawai Eksekutif CIMB Bank
                                         Pencapaian :  1) 50 Influential Figures of the Last Decade ( Asia )
                                                                2) Best Top Executive in Malaysia
                                                                3) 50 Richest People in Malaysia ( Forbes )

Nota : Seperti mana yg kita sedia maklum dia merupakan adik bongsu Perdana Menteri Malaysia, Dato’ Seri Mohd Najib so tak hairanlah dia boleh dapat kedudukan sekarang nie. Tapi bagi aku utk dapat ke tahap dia sekarang ni bukan kerja yg mudah dia mesti berusaha jugak sebab aku pernah baca pasal bibliografi dia sket. Selepas dia grad, memang dia berkhidmat terus dengan CIMB yg sebelum ni belum rebranding and guna nama lain sebagai Penasihat Korporat, so mmg dia mmg senior dlm CIMB and deserve the position.Bagi aku kelebihan dia sekarang ialah abg dia PM Malaysia so dia senang utk dpt job-job yg besar yg kdg2 melibatkan international yg mewakili Malaysia so senang CIMB nak increase profit and expand their business. Dia mmg murah rezeki J . Actually dia inspire me a lots to get involved in banking sector. Cita – cita aku nak jadi Pengurus Bank. InsyaAllah. amin ;))


         Nama : Y.M. Profesor Diraja Ungku Abdul Aziz Ungku Abdul Hamid
         Tarikh Lahir : 28 Januari 1922
         Tarikh Lahir : London, United Kingdom
         Pendidikan :  1) Sekolah Rendah Ngee Heng 
                               2) Sekolah Bukit Zahrah
                               3) English College, Johor Bharu
                               4) Raffles College, Singapura
                               5) Ijazah Sarjana Muda Ekonomi ( 1st Class ) - Universiti Malaya
                               6) Ijazah Doktor Falsafah - Waseda University, Tokyo
          Jawatan : 1) Yang Dipertua ANGKASA
                           2) Ahli Lembaga KKUM
                           3) Pengerusi Azair Sdn Bhd
                           4) Pengarah PLUS Berhad
                           5) Pengerusi Cosmopoint Sdn Bhd
                           6) Pengarah PLUS Expressway Sdn Bhd

Nota : Aku rasa ramai yg dah kenal dgn Prof. Diraja Ungku Aziz. Bagi aku dia mmg byk berjasa pada Negara kita dari pelbagai sudut especially pendidikan dan ekonomi. Idea2 yg diberikan kadang2 kita tak terfikir utk dilakukan dan dilaksanakan di Malaysia. Contohnya penubuhan ANGKASA,Lembaga Tabung Haji, Pusat Asasi Sains, Dewan Bahasa Pustaka dan byk lagi. Kalau korang baca bibliografi dia.mesti korang kagum dgn dia, dari soal pemakanan hingga la soal pemakaian. Dia mmg jaga dan dia mmg genius. Dia juga mempunyai seorang anak yg sgt penting dlm sector ekonomi Negara iaitu Y.M. Tan Sri Dato’ Sri Dr. Zeti Akhtar Aziz, Gabenor Bank Negara Malaysia. Kalau korang nak tambah maklumat try la baca blog yg aku link :

"Successful people do what unsuccessful people don't dare"