Julianto Cahyadi

Do You Really Want To Succeed In Your Life?

noreply@blogger.com (Julianto Cahyadi) — Wed, 21 May 2008 15:32:00 +0000

Hi Friends,

Recently, a friend of mine expressed his interest in investment. He told me his desire that after all these years, it's about time for him to make some investment to make his money grows. Very good indeed!

So he registered himself to attend a free forex trading seminar: http://www.fxfreeseminar.com/?r=forex
I must say that I was pleasantly surpised by his interest. So we fixed an appointment and we went to attend the free forex trading seminar together.

Well, to be really honest, there isnt any free lunch in this world. Except for the salvation we received from God, there isnt that much of free gift -without a catch- these days.

So at the end of the exciting mind blowing free forex trading seminar (which packed with real knowledge about forex, anyway!), the speaker gave fantastic offers not to be missed. The offer is to let you experience the world of forex trading with a certain course fee (remember, no free lunch). And the best thing is, the offer comes with a money back guarantee plus 6 months one to one coaching!! What you have got to loose? Nothing, indeed!

So at the end of the day, I asked my friend what he has in mind, whether he would take up the challenge to invest in his financial education, to achieve success as he would want it to be. I asked sincerely what are his concerns and doubts and I shared my experiences honestly to him.

But after having said this and that, he stunned me with his reply, "I am not sure, whether I have the time for it". I double checked with him, is it the price of the course that is holding him back, he told me not. It is the time, that concerns him most. Well, I told him, it is OKAY. I asked him to go back and think about it. He promised me that he would seriously considered about it.

My point is:
Do You Really Want To Succeed In Your Life?

You see, if you really want to succeed, if you really want something really bad, then you HAVE TO invest your time in it. It is A LOT of hard work, patience, discipline, and persevarance. Money does not fall from sky. It's all hard effort in how bad you really want to make your dream come true! There is simply no other way.

There is no magical pill that you can drink today and make you rich tomorrow. No such thing. Dont ever believe in a get-rich-quick scheme. Dont give your self a false hope and wishes.

I am not saying that I have already succeeded myself. Indeed, it is still a long way to go for me. But I take heart in it and give all my best shot to achieve my dreams. I can tell you that it is no joke and it is a serious business that involves your money. You have to spend some money in order to make some money. Before you make some money, you must first have the know-how. In order to have that, you have to invest in your FINANCIAL INTELLIGENCE (read: your brain). As simple as that.

So, let me ask you this question again. Do you really want to succeed in your life? What have you done to achieve it and what are you waiting for? Success can only be achieved if we take action, even it is a step by step thing so long that it is moving forward. If you dont take action, then stop dreaming.

There is a difference when something is a MUST and when something is merely a WISH.

Which one you choose?

If you liked this post, please buy me a Coke. My favorite thirst quencher. Thank you :)

Is Investing Really Risky?

noreply@blogger.com (Julianto Cahyadi) — Wed, 14 May 2008 14:29:00 +0000

Almost everytime I have discussions with my friends about forex, most of them will say that "Oh, Forex is very risky", "Forex is too risky", "Be careful, forex is damn risky" and stuff like that.

In fact, I have to agree with them saying that Forex is risky...... JUST BECAUSE you do not know what you are doing about Forex, of course will make Forex looks very risky. Indeed, everything is risky if we were not sure what we are doing.

From the moment you wake up in the morning, go to work, execute your jobs, go back home, eating dinner, laying back watching tv, walking to shower room and etc etc etc, in fact all of the above are risky activities! Of course, if you do not pay attention, if you dont have sufficient knowledge or if you just anyhow do your job, then EVERYTHING is VERY RISKY!

You see, it depends how you define "RISK" is. Warren Buffet ever mentioned that risk comes from not knowing what we are doing. Just read the sentence again and let it sink in your mind just a bit. I get fed up when people complaints this and that are risky but never ever take action to actually do something about it.

Anyway, talking about risk, I would like to share with you another article by Adam Khoo: "Is Investing Really Risky?". I learn a lot from Adam and I would like to share it back with you here. Enjoy the article!

Is Investing Really Risky?
by Adam Khoo

Is it really true that investing is risky? The answer is... it
depends. The risk in an activity very much depends on the level of
competence of the person doing that activity.

For example, is it risky to drive a car?

Well, if you have never gone for any driving lessons and have no
idea how to read road signs, engage the gears or to use your
side-view mirrors, then there is a high chance that you could get
yourself badly hurt or even killed.

However, if you have a thorough understanding of how to drive well,
then driving is a low risk activity.

Similarly, investing is risky when you don't know what you are
doing. The scary thing is that the majority of people who invest
their hard earned money in the stock market do not know what they
are doing.

Many people who buy shares of companies have little or no knowledge
of how to invest. They are like that driver who has no clue about
how to work the gears or the rules of the road. This is because you
do not need to take a license or be qualified to be an investor.
Just about anybody can do it!

Most amateur investors do not even have a basic understanding of
the economic cycle and how interest rates and oil prices affect the
global economy & the stock market.

They have no clue as to where and how to read financial reports
that will impact the stock markets. Most have very little financial
& accounting knowledge and do not know how to value the worth of
the company's shares they are buying.

In fact, I am often shocked when I hear of people who invest in a
company without even understanding what business the company is
involved in, let alone understand the company's business strategy.

In the highway of investing, over 70% of investors (mostly the
general public) are driving around without the basic skills of
motoring! This is why many of them crash and burn their hard earned
money.

For the majority of people out there with little financial
competence, investing is truly high risk and maybe high return
(depends a lot on blind luck). To me these people are not investors
but gamblers.

For such people, I would strongly advise them to learn how to drive
or to leave their money in the bank or under their pillow!

When you have a thorough understanding of the stock market & the
rules of investing, then investing is no longer risky! When you
know exactly what you are doing, you can achieve extremely high
returns, with very low risk!

If you liked this post, please buy me a Coke. My favorite thirst quencher. Thank you :)

Welcome To The World Of Investing!

noreply@blogger.com (Julianto Cahyadi) — Sat, 03 May 2008 16:46:00 +0000

Hi Friends,

As I mentioned earlier, I will be sharing more on the Adam Khoo lecture series on investment. I like the way Adam Khoo write his article and therefore I would like to share it with you here just in case you havent read it yet.

This time round, Adam Khoo welcomes us to the world of investing. In this articles, Adam Khoo shared with us how we could make our money grow and how we can make additional streams of income by investing. Hope that you enjoy it as much as I do.

Welcome To The World Of Investing
(by Adam Khoo)

Do you wonder how you can ever make your first million without
quitting your fixed salaried job?

Have saved up a tidy sum of money with no idea how to make it grow?
Are you looking for ways to build an additional source of income
from home?

If your answer is yes to any of the above questions, you will be
amazed at what the world of investing can do for you!

Short-term investment strategies can provide you a way of
generating an additional source of monthly income to eventually
even replace the income you earn from your full time job.

The great thing about investing is that you could also potentially
build a million-dollar net-worth while earning an average income
from a fixed salaried job. I know many of my past seminar graduates
are well on their way to making their first half-million, simply by
learning to invest and multiply the money they have saved from
their humble jobs.

And if you are already making a high income as a high-flying senior
executive or as a business owner, investing can help you multiply
your wealth even faster.

Although I have made most of my money from my businesses, it is
through the investments I made that have enabled me to become
financially fre-e much earlier than expected!

I believe the ability to invest is one of the most powerful skills
you can ever learn in your life! Unless you learn how to
consistently save and let your money work hard for you, you will
never be able to build the wealth to provide the security and
freedom that your family deserves.

This is why so many intelligent and highly educated people end up
broke and frustrated after years of hard work, even in high paying
jobs.

Just relying on that paycheck every month may not be able to build
the financial dreams that you desire. Start to focus on other ways
in which you can multiply your income passively and you will no
doubt be on your way to achieving your financial goals much faster!

If you liked this post, please buy me a Coke. My favorite thirst quencher. Thank you :)

Working From Home by Ewen Chia

noreply@blogger.com (Julianto Cahyadi) — Mon, 28 Apr 2008 04:50:00 +0000

Hi Friends,

For those of you who have been dreaming to free yourself from your 9 to 5 job and just work from home, I have good news for you!

Recently, Ewen Chia, No 1 World's Internet Marketer, has just launched a new product report called "Working From Home". You may want to check this out.

Here are 5 good reasons why you should grab your "Working From Home" report if you haven't (before the price increases!).

Reason #1: People who got this package are really
happy with it, see some of their testimonials here:

=> Working From Home by Ewen Chia

Reason #2: You get a huge quality package for
a low one-time fee (NO forced continuity program):

- Secret report: 51-page report
- Bonus report: 36-page ebook
- Mystery gift: 84-page blueprint
- Instant Income System tools

Plus these unannounced bonuses:

- Affiliate marketing: video training
- Affiliate marketing: audio MP3
- Copywriting: audio MP3
- Traffic generation: audio MP3
- And more to come...

This entire package is worth hundreds of dollars
but you get *EVERYTHING* for just $9.97!

The mystery gift by itself is worth a lot more than
$9.97. Download it and see:

=> Working From Home by Ewen Chia

Reason #3: Price goes up for real on April 29th...

=> Working From Home by Ewen Chia

Reason #4: You make huge income from this report
by promoting it...as much as $150.00+ per sale.

Ewen Chia even show you what to do to promote this.

Only customers get exclusive promotional tools
I've created to help them sell tons.

It's all in the member's area after your purchase:

=> Working From Home by Ewen Chia

Reason #5: You get *surprise bonuses* in the
coming days if you stay a customer.

In fact, Ewen Chia doesn't make this public as it's a surprise :-)

Anyway I hope you'll have a look and try it out.

Yes there are upsells but these are all optional,
you still get good value from the $9.97 package:

=> Working From Home by Ewen Chia

To Your Success!

Julianto

If you liked this post, please buy me a Coke. My favorite thirst quencher. Thank you :)

Sign Up For Derek Gehl's FREE "Build-a-Biz" Video Training Series Now!

noreply@blogger.com (Julianto Cahyadi) — Sun, 20 Apr 2008 02:04:00 +0000

Hi Friends,

There's still time to sign up for Derek Gehl's FREE
"Build-a-Biz" video training series!

The first video is being released next Monday (April 21st).
-- but is ONLY available to people who registered for it.

You can still register right now by going to:

www.marketingtips.com/xtreme-challenge/t/916538

In these videos, Derek is going to show you the exact
steps you need to take to build a money-making website in
ONE WEEK (or less!).

... How? By doing it himself -- ON CAMERA, right before
your very eyes!

Quite simply, there's no other learning tool like this.

Sure, you can buy a bunch of books (as thick as a law
textbook and just as exciting to read), or watch a bunch
of speakers on stage, TELLING you what to do instead of
SHOWING you what to do.

But when have you ever seen anyone sit down and physically
demonstrate how the entire process WORKS -- from the first
spark of an idea, all the way through to the very first
sale?

And how would it help YOU to watch something like this?

Finally, those gaps in your understanding would all be
filled... Imagine the "turbo-boost" it would give to your
business efforts!

So if you'd like to learn the steps you need to take to
build your own money-making website in as little as
ONE WEEK (or less!)...

... Reserve your FREE "front-row seat" NOW at:

www.marketingtips.com/xtreme-challenge/t/916538

Thanks,

Julianto

P.S. A lot of people are wondering if Derek is going to fall
flat on his face...

... But I know he has a "secret weapon" in his corner that's
going to make it EASY for him to build a money-making website
in less than a week!

To discover what this "secret weapon" is, sign up for Derek's
FREE videos at:

www.marketingtips.com/xtreme-challenge/t/916538

If you liked this post, please buy me a Coke. My favorite thirst quencher. Thank you :)

Making Money From The Forex Market

noreply@blogger.com (Julianto Cahyadi) — Tue, 15 Apr 2008 14:40:00 +0000

Following my previous post, I will be sharing a brief introduction here about FOREX. It is very important we know what is FOREX and the risk that goes with it. Hope it gives you a better idea to what Forex is all about. Alternatively, you can visit my other website to register your self for this free forex seminar here: http://www.fxfreeseminar.com/?r=forex

What is FOREX?
The Foreign Exchange (FOREX) Market is a global market where one currency is exchanged for another through a floating-exchange-rate system. The lack of a physical exchange allows the FOREX market to conduct business on a 24hour time frame, from one time zone to another across the chief financial centres. Currencies are generally traded through a broker or dealer and are executed in currency pairs.

How big is the market?
Today, FOREX is currently recognised as the world's largest financial market, with a trading volume upwards of 3 trillion US dollars a DAY. To put that in perspective, the New York Stock Exchange trades about 40 billion US dollars a day. The Forex Market is also FIVE TIMES larger than the stocks and futures market combined. Whats more, this figure is expected to rise to a mind boggling 7 trillion US dollars over the next few years!

The people who make up the FOREX Market include the central banks, the commercial banks, large importers/exporters, tourists and educated speculators. The current estimated number of educated speculators around the world stand at about 30 million.

Is it easy to make money from FOREX?
It certainly easy to make money from FOREX if we have the right strategy to trade. We can make money in a bull (rising) market and in bear (falling) market. We have the flexibility to engage the market and make huge profits regardless of whether the currencies are strengthening or weakening.

If it's so easy to make money from FOREX, why then do so many people lose money in FOREX?

Many people lose money in FOREX because they simply do not have a strategy nor a sound trading psychology. They simply take chances on the following 3 values when placing a trade:

1) Market Direction
2) Market Entry
3) Market Exit

Great FOREX traders have the right combination of the following key factors which enable them to make money again and again in the FOREX Market:

1) Sound Strategy
2) Excellent Money Management
3) Emotional Detachment

So, now we understand how important to have the right strategy to make money in the FOREX market. We certainly dont want to gamble with our hard-earned money, right? We should know what we are doing to minimise our risk.

Again, if you want to know more about how to learn the right strategy to successfully trade in the FOREX market, I would like to invite you to come for the free forex seminar here in Singapore. Did I mention it's FREE? (It's actually worth $188!)

Learn more about how to make money from the forex market here:
http://www.fxfreeseminar.com/?r=forex

If you liked this post, please buy me a Coke. My favorite thirst quencher. Thank you :)

Free Forex Seminar in Singapore

noreply@blogger.com (Julianto Cahyadi) — Mon, 14 Apr 2008 12:43:00 +0000

Hi Friends,

In the spirit of investing in our financial intelligence as suggested by Adam Khoo, I would like to share with you about this Free Forex Seminar in Singapore organized by FX1 Academy Pte Ltd.

As I mentioned in my previous post, in January 2008, one of my friend, Chris, invited me to this free investment seminar. Thanks to Chris, right now, I am now using forex as one of my additional source of income.

You see, when Christian invited me to this free forex seminar, I did not hesitate to go with him. I thought, well, I have nothing to lose anyway, it's free and at the end, I will surely learn something new. In short, I came with an open mind. I think is very important to have an open mind if we want to keep learning. I am not saying that being skeptical is not good. Well, to a certain extent, being skeptical is good, but being overly skeptical doesnt help us to go anywhere too.

Having said the above, I am excited to let you know that I have just got my forex website running recently. Thanks to David and Nor, my friends in fx1 academy who helped me in putting this website running smoothly. If you had not seen it yet, I will put the picture here for you:

Feel free to click and browse it and take your time to view the video clip or read the testimonal. If you dont have much time, I suggest you to just view the video first to give you a glance what forex is all about.

If you want to learn how you can make your money work harder or you want to invest in your financial intelligence, rather than just letting your money in your saving account shrinking its value, I sincerely suggest you to take a look and learn about this forex thing. Trust me, it is worth it!

Let me know if you want to know more about forex, or if you want to register for this free forex seminar. Alternatively, you can also secure your seat for the coming seminar by visiting the website:
http://www.fxfreeseminar.com/?r=forex

Take action now and do something for your own financial intelligence!

To Your Success,

Julianto

If you liked this post, please buy me a Coke. My favorite thirst quencher. Thank you :)

Growing Your Money at Millionaire Returns

noreply@blogger.com (Julianto Cahyadi) — Sun, 13 Apr 2008 02:11:00 +0000

Hi Friends,

As I mentioned in my previous post, I will be sharing with you some articles written by Adam Khoo on the topic of investment. We are taught that "investment are risky" or "high risk high return". But let see what Adam Khoo has to say on that, shall we?

Without further a do, please enjoy another Adam Khoo Lecture Series on Investment :)

Growing Your Money at Millionaire Returns
(by Adam Khoo)

All self-made millionaires utilize the power of investing to get their money to make them even more money. They get their money to start working for them so they can eventually stop working for money.

Unless you master this money skill of investing, you will never achieve financial freedom and abundance. However when it comes to investing, most people share the painful experience of getting burnt in the stock market or in mutual funds (unit trusts).

'If I had kept all my money in the bank, I wouldn't have lost half it.' 'After so many years of buying and selling, I find that after all the effort I have merely broken even'. 'I should have kept the money in the bank instead.' ' Every time I buy a stock, it seems to go down.'

Do you share this experience with most investors?

If so, you are one of many people who have developed a phobia of investing and have formed the belief that 'investing is risky'. As a result, you are resigned to keeping your money 'safe' in fixed deposits earning a measly 2%-3%.

This belief is compounded by the fact that we are taught by finance courses, banks and financial advisors that 'High risk leads to high return'. In order to earn high returns, you must be a risk taker!

This is totally rubbish! All of us have been brainwashed by this inaccurate generalization. In fact, the greatest investors in the world are NOT risk takers. They are in fact, very risk averse. Warren Buffett, the world's greatest investor, who achieved 24.7% returns per year for the last 49 years is extremely risk averse.

His fundamental principle in investing is 'capital preservation'. He would rather not make any money if there is a chance of losing it.

His first rule in investing is 'Never Lose Money'. His second rule is 'don't forget rule number one'. As a result, Warren will only invest in a stock if it has very low downside and a very high probability of success of at least 90%.

I follow the exact same philosophy. Again, many people perceive that because of the businesses I have started and the investments I make, I am a risk taker.

In actual fact, my top value is 'security.' I am extremely risk averse and will only invest in a business or stock if they is a 95% chance of winning and even if I lose, the loss is negligible.

To be a winning investor, you must adopt this same principle! You must be risk averse! You must always follow the principle of 'capital preservation.'

Now, you may ask me, ' If high risk does not lead to high returns, then what does?' The answer is 'financial intelligence'. High financial intelligence leads to high returns!

When you have high financial intelligence, there is little risk, because you know exactly what you doing. When you don't have strong financial intelligence to fully understand the business behind the stock, then investing becomes very risky.

Risk is contextual. How risky an activity is depends on the level of competence of the person doing that activity.

For example, if I told you to climb a mountain where there is a pot of gold at the top, would it be risky? Would you have to take a high risk to achieve the high return?

Yes! It is risky for you because you have never been trained in mountain climbing and do not have the necessary safety equipment. There is a high chance you will fall and die!

However, for a professional & experienced climber who has scaled Mount Everest twice without oxygen, would it be risky? No! Why? Because his high level of competence eliminates the risk. To him, it would be low risk, high return.

Take another example, if I were to ask you to drive a formula one race car at 260 km per hour round the racetrack in order to win a grand prize, would it be risky?

Again, to you it would because you are not trained. It would be suicide and I would recommend you not do it at all. However, to Michael Schumaker, it would be low risk and high return, because he has been trained to do it.

So is investing risky? Again it depends. If you are like the majority of people who have not been trained and have low financial intelligence, then it is highly risky!

It's like climbing that mountain with no training at all. Indeed, to them it is high risk, high return. I would suggest that they keep their money in the fixed deposit.

However to Warren Buffett, investing is 'low risk, very high return' because he has a high level of competence in investing.

So again, you can see that high risk does not lead to high return, it is high level of competence that leads to high return.

If you liked this post, please buy me a Coke. My favorite thirst quencher. Thank you :)

Make Our Money Work Harder by Investing in Our Financial Intelligence!

noreply@blogger.com (Julianto Cahyadi) — Sat, 12 Apr 2008 10:27:00 +0000

Hi Friends,

In order for us to be rich faster, we have to learn how to make our money work harder for us. Unfortunately, just by saving our money in the bank itself may not be enough. The typical saving interest rate of our saving account in Singapore, currently is pathetically very low, starting from 0.25% up to say 2-3% for a fixed deposit account.

On the other hand, we are paying 7% for the goods and services tax (GST)! On top of that, our money in the bank is actually shrinking in its value because of the high rate of inflation. Current inflation rate is about 6%! That means, your $100 today is equal to $94 next year, and only $88 in the next following year!

So, in my opinion, we cant just simply sit down and do nothing about it. In my case, I have to find a way out to help my saving from shrinking its value due to inflation.

As I came from engineering background, I realised that I may be lacking on the financial know-how. So since last year May 07, I have decided that I have to do something and invest in my financial knowledge by reading books, taking up some financial courses and etc. I can guarantee you, it certainly worth it!

As Adam Khoo once said, that the greatest money making asset that will make us a fortune is not from our degree, double degree, MBA, or PhD. It's not from our rich dad, rich mom, rich sister, uncle or grandma. The greatest money making asset it's actually OUR MIND, also known as intellectual asset! When we invest time and money to increase our knowledge and skills, especially our financial intelligence, it will not only return us 2% or 20% of our investment, but in fact it has the potential to give us infinite returns!

In my next few posts, I will be sharing with you few articles, again written by Adam Khoo which I find it useful to shape our mind about investment. Our teacher always says that "Low risk, low return. High risk, high return." But is it always the case? Find out the truth in the next few posts on the Investment Lecture Series by Adam Khoo!

To Your Success,

Julianto

If you liked this post, please buy me a Coke. My favorite thirst quencher. Thank you :)

Your Free Video Course By Derek Gehl !

noreply@blogger.com (Julianto Cahyadi) — Tue, 08 Apr 2008 23:52:00 +0000

Hi Friends,

I know I have not talked about Derek Gehl for quite some times, but this is something that you might dont want to miss! In fact, I've never heard of anything like it and I think this is really cool!

FREE "X-Treme Challenge" video course by Derek Gehl

Derek Gehl just got challenged by some frustrated blog reader to PROVE it's possible to start a money-making online business in ONE WEEK OR LESS.

Here's just some of the stuff he wrote...

"Oh, sure you can help us build a money-making business in just a matter of DAYS, Mr. Bigshot CEO!!! Easy for you to say!

You've been working in this industry for years and your company makes millions of dollars. How could you possibly understand what it's like for us newbies just starting out?!

How could you possibly understand the overwhelming CHALLENGES we face???

Your claim that it's possible to start a business in just a few days is a BIG FAT LIE -- and I challenge you to prove otherwise!!! "

And Derek accepted the guy's challenge!

How's he going to prove you can build a profitable business in such a short time?

Simple: He's going to do it himself -- on camera!

FREE "X-Treme Challenge" video course by Derek Gehl

Yep, that's right...

Derek is going to start a brand-new business 100% from scratch in less than ONE WEEK -- and he's going to film the entire process and turn it into a FREE video course, so you can see how easily it can be done!

Derek will release the complete "X-Treme Challenge" video course over a four-day period: April 21-24th. These videos will be absolutely FREE, but will only be made available to people who sign up for Derek's notification list.

So if you want to learn how to build a money-making online business in ONE WEEK OR LESS, then I urge you to go to:

FREE "X-Treme Challenge" video course by Derek Gehl

Julianto

P.S. Make sure you set aside at least one hour each day on April 21-24th, so you can watch Derek's FREE training videos and implement the lessons you learn right away.

Who knows? You could be making good money online by the 1st week in May!

Click here to learn more:

FREE "X-Treme Challenge" video course by Derek Gehl

If you liked this post, please buy me a Coke. My favorite thirst quencher. Thank you :)

6 Ways to Massively Reduce Your Expenses & Increase Your Savings

noreply@blogger.com (Julianto Cahyadi) — Sun, 06 Apr 2008 02:18:00 +0000

Last friday I have just attended a premarital class in my church. The topic was about money. One of the issue discussed was how to do budgetting. Yes, we all know that budgetting is one way to control your expenses. As a aspire-to-be millionaire, we have to learn how to do proper budgetting and hence control our money.

In this blog, I am going to share with you one fine lesson by Adam Khoo on controlling our money. I hope you enjoy the article as much as I do:

6 Ways to Massively Reduce Your Expenses & Increase Your Savings
(by Adam Khoo)

1) Study Your Monthly Expenses

Well it's time to study the expense column very closely and
identify where you can cut your expenses.

You will be surprised to know that we can easily do without between
20-30% of our monthly expenses.

'Dispensable expenses' are stuff we buy on impulse to get a
ten-minute gratification, and after that it would not make much
difference to our lives.

Or in browsing through glossy flyers and advertisements, we get
attracted to special offers on stuff we do not really need. But we
buy simply because it seems like a good deal.

You must eliminate these expenses as, over the long term, it will
cost you millions of future dollars.

You would be amazed at the impact that a few extra hundred dollars
in monthly savings will have on your future wealth.

This next table shows you that a $300 extra monthly savings would
accumulate into an extra $1.69 million in thirty years.

An additional $600 saved would grow into an additional $3.38
million in thirty years, more than enough to retire on.

2) Pay Yourself First

Most people adopt the earn-spend-save habit. In other words, when
they get their monthly income, they will spend on all their
committed and impulse expenditures.

Whatever, they have left at the end of the month is what they save.
Even if they set aside a budgeted expenditure, this strategy seldom
works.

Why? Somehow, something unexpected might come up that causes people
to spend whatever they have, leaving nothing to be saved.

Instead you must adopt the Pay Yourself First habit. Before you pay
the grocer, the restaurant, the utility company, the TV repairman,
you have to put aside a fix amount into your investment account.
Then, spend whatever you have left.

In other words, you must earn-save-spend. The moment you earn your
income, you must immediately put aside 10-20% into a separate
investment account. Then live off the rest of the 80%!

The best way to do this is to make it automatic! Instruct your bank
to automatically transfer 10-20% of your in-come into a separate
investment account where the funds are not easily accessible.

This investment account should not have an ATM card where you can
draw it out. You should only have a checkbook which you use to pay
for investments.

Now, if you have got any form of consumer debt, you must modify
this formula a bit. Deduct the first 10% and use it to pay off part
of your principal loan. Then take the next 10% and put it into your
investment account.

3) Stop Before You Buy & Procrastinate

Before you buy anything, always stop and ask yourself the following
questions:
- 'Do I really need this?'
- 'Will I regret buying this three days later?'
- 'How many hours do I have to work to make back the money?'
- 'How much will this cost me in future dollars?'

Then, procrastinate in making a decision on whether to buy or not
to buy.

Say to yourself, 'I'll think about it and come back tomorrow.'
Eight out of ten times, you will not go back and spend that money
as you will probably forget about it.

The best way to stop being a shopaholic is to get yourself so busy
in purposeful and fulfilling work - especially meaningful volunteer
work -so that you don't go shopping until you really need a
particular item.

Many shopaholics admit their weakness is due to spending their free
time wandering the shopping malls. So, find a meaningful way to
occupy your free time and you will stop wasting your money.

4) Destroy All your Credit Cards but One

This next step will be painful but I guarantee it will shave off at
least 15%-20% off your monthly expenses. Cut up all your credit
cards but just leave one.

With lots of credit cards, you will have easy access to lots of
tempting credit. Just use one card with limited credit for all your
expenses...and again, pay the full balance.

5) Plan your Purchases...Only Buy at a Discount

You would easily save another 15-25% if were to plan your
purchases, buying only when there is a special discount and buying
in bulk.

Remember the example I gave you earlier about Ingvar Kamprad, the
founder of IKEA? He would only buy vegetables and fruits in the
afternoon, when the prices have dropped significantly.

As a kid, I observed my dad stocking up on toothpaste whenever the
supermarket had a special promotion. He would stock enough
toothpaste for six months until the next promotion.

I also have friends who buy all their clothes twice a year, during
the citywide sale. So plan your purchases with a three to six month
horizon in mind and buy in bulk whenever there is a very special
promotion.

6) Treat it as a Business Expense

Even if you are a full time employee, you should register a
business for income tax reduction purposes. You can use this
business entity for internet business purposes or to market your
intellectual property.

With a business, you can take certain expenses like transport,
entertainment, office supplies etc. and charge them as business
expenses. Whenever you do, you get an automatic tax deduction.

The higher your in-come tax bracket, the larger the savings. For
example, if you pay 20% in personal in-come taxes, then every time
you claim an expense as a business expense, you save 20%!

So there you have it, the six ways to reduce our expenses by 20-30%
immediately. Remember it will only happen if you start taking
action on it right away!

Only through the combined efforts of increasing your in-come and
reducing your expenses can you save the cash necessary for you to
invest and earn compound growth wealth that will lead you to
financial freedom.

If you liked this post, please buy me a Coke. My favorite thirst quencher. Thank you :)

Updates on My Life

noreply@blogger.com (Julianto Cahyadi) — Sun, 30 Mar 2008 02:20:00 +0000

Hi Friends,

How are you? It's been more than a month since my last post. I hope you guys are doing fine.

Well I realise, it's been quite a while that I never really share much about my current progress or what I have been up to in this blog. So I will share a fair bit over here.

1. September 07. I changed my job from a researcher in the university, to an engineer in an offshore industry. Big thanks to my friend, Dani, as he recommended me to join this industry. The current company that I am working with, is recognized as the world leader in building oil rigs all over the world. I am blessed and thank God that I have the opportunity to join this industry.

2. October 07. My then girl friend decided to come to stay in Singapore. Great! That means no more long distance relationship for both of us. This was part of our plan as I feel the need for her to get used to living in Singapore before we settle down here.

3. November 07. I and my then girl friend celebrated our ROM !! Hence, we are officially husband and wife! Initially we wanted to have our ROM together with our holy matrimony ceremony. But then, we changed our mind. The folowing working day after our ROM, I sponsored my wife to apply for PR.

4. December 07. About 3 months have passed in my new job. I was assigned to learn and use a finite difference software to model soil-structure interactions. Frankly speaking, I never used the software before, but I strived to learn it as soon as possible. I realised that after I changed my job, I seldom update this blog. I also noticed a drop in my adsense earning do to lack of visitors.

5. January 08. New Year and new resolution. Following Adam Khoo's advice, I decided that I should invest more on my financial intelligence. Thanks to my friend, Christian, he called me one day to invite me for attending a free seminar. It turned out to be a Forex Seminar. At that time, I didnt know much about Forex so I thought "Ok, let's go to the seminar". Later, I committed to invest by taking up the Forex Course by FX1 Academy. I am glad that I took action!

6. February 08. I and my wife went back home to Jakarta to celebrate chinnese new year and my mom's birthday at the same time :) 3 months have passed waiting for my wife's PR application. No news from ICA. Felt a bit anxious.

7. March 08. Finally we received a letter from ICA and thank God that my wife's PR application was approved. After she collected her IC, I brought her to Dennis Wee, property agent seminar. My wife has been dreaming to be a successful property agent. So after the seminar, we decided that she should take action, walk the first step to making her dream a reality. So now, she is working as a property agent under Dennis Wee Pte Ltd. For those of you staying in Singapore and want to buy/sell/rent a property, feel free to contact me okay?! I will ask my wife to do the homework for you!

Wow! You see, 7 months have passed just like that. Time really flies and I believe that we should live our life to the fullest. I am excited as I made decision to invest in my financial intelligence by learning about Forex Trading. I am excited as my wife is pursuing her dream to be a successful property agent.

Now that I have shared my updates, what about yours? Care to share with me too?
Thanks for reading and keep visiting my blog!

To Your Success,

Julianto

If you liked this post, please buy me a Coke. My favorite thirst quencher. Thank you :)

Be 100% Committed

noreply@blogger.com (Julianto Cahyadi) — Fri, 22 Feb 2008 23:27:00 +0000

Hi Friends,

We have come to last habit of a millionaire lecture series by Adam Khoo, i.e.
Millionaire Habit 7: Be 100% Committed.

If you have missed the earlier Millionaire Habits, I compile it for you here:
Millionaire Habit 1 : Always Exceed Expectations
Millionaire Habit 2 : Be Proactive
Millionaire Habit 3 : Take 100% Responsibility
Millionaire Habit 4 : Delayed Gratification
Millionaire Habit 5 : Love What You Do
Millionaire Habit 6 : Acting With Integrity

You see, many people want to be rich. Many people want to be successful. But most people are also simply lazy. Lazy but yet want to be rich. Lazy but yet want to be successful. But common sense will tell us that is just not possible. There is no such thing such as get-rich-quick scheme. We have to accumulate habits that empower us to have the right mindset to be a millionaire or to be successful in anything in life. So do you have the right habits? Do you have the right mindset?

My only wish is that by sharing these lecture series by Adam Khoo, many people including you and me will get enlightened and empowered so that we all can improve and be a better person with the right mindset, especially when it comes to our financial intelligence.

So without further ado, here it comes, the millionaire habit number 7. Enjoy it!

Millionaire Habit 7: Be 100% Committed
(by Adam Khoo)

There is a very big difference between wanting to become a
millionaire and being 100% committed to becoming a millionaire.

When you merely want, wish or hope to achieve a goal, it will
rarely ever happen. Think about it. Everybody wants to be
financially fre-e, but very few ever make it happen.

Studies after studies have shown that people who achieve phenomenal
success and wealth did not just want it, they were 100% committed
to achieving it. When you are 100% committed to a goal, it is no
longer a wish, a hope or a want...it becomes an absolute MUST.

You see, when something becomes an absolute MUST to you, it gets
you to operate from a totally different frame of mind. When
something is a MUST, it will become your number one priority and
nothing will ever come in its way until that goal is accomplished.

When something is a MUST, you will do whatever it takes to get it
(within limits of integrity of course)! Even if it means stretching
way beyond your comfort zone and investing time, energy or money,
you will do whatever it takes.

I believe that when you are willing to do whatever it takes to get
something, you will ALWAYS find a way. And if you cannot find a
way, you will make a way.

For example, when George Lucas (millionaire at 28 and creator of
Star Wars) wanted to revolutionize film making by creating the
special effects required for the space battle scenes for Star Wars,
the technology did not exist.

Everybody told him that what he wanted to do couldn't be done.
Instead of accepting the comfort of reality, his total commitment
to making his dream come true was to set up his own company,
Industrial Light and Magic (ILM) to create the special effects
required for his own movie.

You see, when something is a 'must', anything can be achieved. At
the same time, when you make financial fre-edom and security a must
for you and not just a wish, you will achieve it. When something is
a must, our brain gets us to tap our fullest potential to make it
happen.

The trouble is that becoming financially abundant is rarely a must
for most people. It is merely a wish. However, it is always a must
to survive...and that it why most people merely survive.

So once again, to achieve all your financial goals, you have to
make it a must for yourself. How do you make something a 'must'?

The answer is by putting yourself on the line. When you put
yourself in situation where you give yourself no choice BUT to
succeed, you very often will.

If you study the life stories of millionaire history makers, many
of them came to a point in their lives where they put themselves on
the line and staked everything they had.

And because they had NO CHOICE but to succeed, they often did it
against insurmountable odds.

So do whatever it takes, make success and achieving your goals a
MUST and I will guarantee that your wealth will multiply many-fold.

If you liked this post, please buy me a Coke. My favorite thirst quencher. Thank you :)

Acting With Integrity

noreply@blogger.com (Julianto Cahyadi) — Fri, 15 Feb 2008 23:29:00 +0000

Hi Friends,

Wishing you guys a happy chinese new year and happy valentine's day!!
Notice the forex banner on top of this body post? You may want to check it out, another way to increase our financial intelligence! Note: It's not a get-rich-quick scheme.

But before that, here is the Millionaire Habit number 6 from Adam Khoo. Enjoy it!

Millionaire Habit 6: Acting With Integrity
by Adam Khoo

Many people have the perception that the fabulously rich and
powerful are dishonest and unethical.

And who can blame them after hearing stories of how millionaire
executives rip off their shareholders in scandal after scandal on
Wall Street?

Think about Enron, China Aviation Oil, WorldCom, ACCS, REFCO and
the list goes on.

Certainly there are unethical & unscrupulous rich people around
(incidentally, their wealth & businesses rarely last), but the
truth is that most self-made millionaires share a common habit of
personal integrity.

Interestingly, in the best-selling book 'The Millionaire Mind',
author Thomas Stanley interviewed 733 multi-millionaires and asked
them what were the key factors that contributed to their wealth.

Ranked number one was 'being honest with people'. Surprised? This
factor was ranked way ahead of factors like 'making wise
investments', 'working hard' and 'having a competitive spirit'.

What is integrity and why is it so important to long term wealth?

Integrity is about being honest with others and adhering to high
moral standards.

It is also about doing what you say you will do. When you act with
integrity, your customers, colleagues and staff will place their
trust in you.

They know that you mean what you say and that you will not let them
down. They know that you will give them the best quality for their
money and they know that you will not cheat them.

In a world where so many people are unethical and dishonest, build
your reputation on integrity and you will have an endless supply of
customers, suppliers, investors and business partners.

Over the years, I have had many people who have approached me to do
business with them and I have turned most of them down, no matter
how great the opportunities to make money seemed to be.

As a result, many people have asked me what I look for in a
business partner.

My answer is that 'integrity' is above everything else. So, always
act with integrity and you will possess one of the greatest
strengths of all.

If you liked this post, please buy me a Coke. My favorite thirst quencher. Thank you :)

Love What You Do

noreply@blogger.com (Julianto Cahyadi) — Sat, 02 Feb 2008 17:38:00 +0000

It's time to update my blog and this time I would like to continue with Adam Khoo Lecture Series - Millionaire Habit 5: Love What You Do. It's a bit long this time, but it's really worth our time reading it.

Millionaire Habit 5: Love What You Do
(by Adam Khoo)

The most common question that people ask about getting rich is, ‘What is the best career or business that will make me the most money?’ Should I go into education? Food? Insurance? Network marketing? Heathcare? Options trading? Property? What’s the best industry to be in right now?

Well, you will find that in ANY industry, there will be a minority who will be making plenty of money, while the majority will be struggling to survive. So my answer to that question is that you can become a millionaire in ANY INDUSTRY, only if you are one of the best! If you are not one of the best, you will never become rich in ANY industry.

You CAN become a millionaire in insurance, property, options trading, children’s education, pest-control, retail, food or Internet marketing ONLY when you are one of the best. So, how do you become the best in the market? The answer is by being totally, absolutely one hundred percent committed towards your particular career or business.

All successful individuals have one thing in common. They love what they do. And because they have such an intense passion for their particular career or business, they do not distinguish work from play. Their work is their play and vice versa. As a result, they spend every single day and every waking hour working (to them it’s not work), and that is why they become so good at it that they become market leaders and experts.

Have you ever wondered why Bill Gates, the richest man in the world who is worth US$46 billion still works 18-hour days, every single day? Why doesn’t he just sit back and relax on the beach? The reason is because like all millionaires, what drives him is never really the money per se; it is the love of being at the forefront of technology. It was his obsession of ‘putting a computer in every home running Microsoft software’ that made him the best in the field.

Many people have the belief that millionaires are people who are just naturally more motivated, disciplined and focused. The truth is that when anyone does something he or she loves, the motivation, focus and discipline always comes naturally. If you find that you lack the motivation and discipline to become successful in what you do, the reason is very obvious. It is not your passion!

Think about it. Do you have a natural passion for something? Do you have a hobby? Like playing golf? Looking at beautiful women or men? Computer games? Football? Playing with children? Haven’t you noticed that whenever you are doing what you love, the energy never stops?

It’s like no matter how tired you are, you will always find the energy to do what you love. Well, this is the secret that will lead to your success and wealth! You have to find something you are extremely passionate about and build your career or business around it! When you do, you will find that you will be naturally focused, committed and energized to work at it. When you give your best to whatever you are crazy about, you will become the best!

So start asking yourself…

· ‘What do I love to do’? ‘ What would I do even if I didn’t get paid?’

· ‘If I had all the money in the world, how would I spend my time?’

· ‘Who are people who have made their fortunes around this passion I have?’

I guarantee you that when you start looking for them, you will find no lack of role models you can learn from. Remember, do what you love and you will never work another day in your life!

If you liked this post, please buy me a Coke. My favorite thirst quencher. Thank you :)

Delayed Gratification

noreply@blogger.com (Julianto Cahyadi) — Fri, 25 Jan 2008 23:25:00 +0000

Hi Friends!

January 08 has been a really busy month for me. Pressure from my new job has started to kick in, but I am coping fairly well.. Before I realised it, another month has passed from this new year 2008!

For a start, I plan to continue sharing the Millionaire Habit Lecture Series by Adam Khoo, in this blog. If you didn't know who Adam Khoo is, you could browse my blog to find out more about him. Put it simply, I was inspired and amazed by his success story, his journey from a school-drop out to where he is now, a multi-millionaire successful and kind hearted man.

I hope you enjoy the sharing and all the best to all of you in this year 2008 and beyond!

Millionaire Habit 4: Delayed Gratification
(by Adam Khoo)

What keeps most people from becoming rich is the habit of wanting
instant gratification. Instant gratification is the habit of always
wanting to enjoy now and not having the patience to wait for future
benefits. As a result, these people spend a lot more than they
invest.

By spending on that new car, new widescreen television set or
designer watch they get instant gratification.

When it comes to investing in books, seminars, stocks or insurance
products, they will think twice as they have to wait for future
benefits.

It is precisely for this reason that whatever money comes into
their hands will soon be frittered away and not multiplied.

People who want instant gratification will always look for quick
and easy ways of making money rather than building a sustainable
business that adds value to (repeat) customers.

They tend to cut corners on quality and deliver shoddy products to
save money and boost short term profits. As a result, their profits
rarely last and they will soon go out of business.

At the same time, those who desire instant gratification lack the
patience to allow their money to grow and compound through
investing.

When they don't see huge sums of money in a few weeks, they abandon
their investments and never get to reap the benefits. They have no
patience to wait for the seeds they sow to grow into huge money
trees that bear fruit.

On the other hand, all millionaires adopt the habit of 'delayed
gratification.' They have the patience to wait for greater
abundance in the future.

Whether in business or in investments, you must have delayed
gratification in order to create massive wealth.

People with delayed gratification invest a lot more than they
spend. Again, they know that by spending a dollar, they may feel
good for an instant, but their future wealth will be destroyed.

When it comes to spending money, they are extremely frugal. However
when it comes to investing, they do not think twice about writing a
check for a few thousands dollars. They know that through patience,
that money will multiply into a future fortune.

Millionaires never take shortcuts in business. They look at always
giving the best value to their customers, even if it means earning
less at present. They know that by building their reputation, it
will lead to huge profit streams in the future.

So, develop the habit of delayed gratification - and spend wisely -
and you will see your money multiply.

If you liked this post, please buy me a Coke. My favorite thirst quencher. Thank you :)

Merry Christmas and Happy New Year!

noreply@blogger.com (Julianto Cahyadi) — Thu, 03 Jan 2008 04:38:00 +0000

I know it's a bit too late..

But I just would like to wish you all:

"May The New Year 2008 Bless Your Family & Yourself With The Love Of God, Peace And Joy, and Lead You On The Path To Good Health & Prosperity. Happy New Year! "

Hope you guys have a merry Christmas and a blessed New Year ahead!!

Thanks to all of you who have been complimenting me with your words and shown your supports particulary for my quest in this blog!

Well, for me personally, it's always great to learn something new and we should never stop learning. Let's continue our journey!

With Warmest Regards,

Julianto Cahyadi
If you liked this post, please buy me a Coke. My favorite thirst quencher. Thank you :)

Take 100% Responsibility

noreply@blogger.com (Julianto Cahyadi) — Fri, 07 Dec 2007 23:32:00 +0000

We shall continue with the millionaire habit lecture series by Adam Khoo.
Hope you guys enjoy reading it.

Millionaire Habit 3: Take 100% Responsibility
(by Adam Khoo)

Wealth habit number three is the habit of taking responsibility for
your results and wealth!

Unfortunately most people choose to adopt the victim's mindset of
giving excuses, blaming and complaining.

Remember when you give excuses to yourself (i.e. no time, no luck,
no capital, no ex-perience etc...) or blame others for your lack of
wealth, then you are putting others and external events in control
of your life!

When you are not in control, you do not have the power to change
your circumstances.

Instead, millionaires take 100% responsibility for their wealth.
They believe that they alone create their wealth through their
strategies and actions.

As a result, they know that they have the power to change their
wealth by changing their strategies and actions.

It is only when you live by this habit will you have the
power to exponentially multiply your in-come and wealth.

If you liked this post, please buy me a Coke. My favorite thirst quencher. Thank you :)

Be Proactive

noreply@blogger.com (Julianto Cahyadi) — Tue, 04 Dec 2007 04:57:00 +0000

It's time to update my blog and I shall continue with the Adam Khoo Lecture Series: The Millionaire Habits.

Millionaire Habit 2: Be Proactive
(by Adam Khoo)

In my live Wealth Academy seminars, I usually do an exercise where
I get people to stand up, go to as many people as they can and
introduce themselves.

From this simple activity, I can tell immediately if they exhibit
this very important wealth habit.

I notice that there will always be some people who will go around
introducing themselves first and getting to know as many people as
they can.

These people exhibit the pattern of being proactive. People who are
proactive are people who take the initiative to make things happen.

When there are no opportunities, proactive people are those that go
out and find opportunities. If they cannot find any, they will
create their own opportunities. When problems get in their way,
proactive people will take action to solve their own problems!

On the other hand, there would always be an even larger number of
people who will just stand around and wait for others to come and
shake their hand.

These people exhibit the reactive mindset. People with the reactive
mindset have the habit of waiting for things to happen to them.
They tend to act only in reaction to others' actions.

As a result, they have a lot less control and choices over results
that affect them. When no opportunities present themselves,
reactive people just sit and wait for the opportunities to come to
them.

They are characteristic of people who complain about everything
that is happening around them and hope that something will change.
When reactive people face problems, they will just wait for others
to come and solve their problem.

When the Asian currency crisis hit Singapore in 1997, many
companies saw their sales and profits plummet. Many business owners
were reactive and just sat tight and prayed for the bad times to
pass.

Instead, Ron Sim, CEO of Osim International (a company that
develops luxury massage chairs) took the proactive action of
entering new markets like Hong Kong and Taiwan.

As a result, his company profits were not only unaffected by the
crisis but they continued to increase.

When the Asian economies recovered, over 60% of Osim's business
came from outside their home country of Singapore, leading to even
higher earnings growth of over 30%!

By having the proactive mindset, you put yourself in the position
of power and choice. You are in command and will take action that
leads to wealth and success.

However, when you act in a reactive pattern, you will find that
your finances will never be within your control.

If you liked this post, please buy me a Coke. My favorite thirst quencher. Thank you :)

Lecture Series by Adam Khoo

noreply@blogger.com (Julianto Cahyadi) — Wed, 21 Nov 2007 11:11:00 +0000

Oh dear, almost one month has passed since the last time I wrote something here in my blog! Honestly speaking, I have been disengaged from Internet Marketing for quite some times by now. Anyway, I should do something about it, at least to the very least.. I can paste some good articles which I think worth sharing in my blog. Like the Adam Khoo Lecture Series: Millionaire Habit! I am sure most of you may have known or read it. Nevertheless, I will share it here anyway. So you want to be a millionaire? Study all these millionaire habits!

Millionaire Habit 1: Always Exceed Expectations
(by Adam Khoo)

Those people who always exceed expectations are known as Value
creators and they end up as the rich and wealthy of our society. If
they are paid $3,000, they will work as if they are being paid
$20,000.

If they are expected to generate $10,000 worth of profits, they
will create $30,000 worth of value! They are called value creators
because they create value for companies.

It is through their efforts, that the company makes more and more
profits every year. As a result, their income is not considered an
expense to the company, but a great investment.

Even in periods of downturns, when everyone else is getting
retrenched and pay cuts, they get pay increases, bonuses and stock
options.

The company knows that for every dollar they invest in them, they
will return triple the value. These people are the high flyers who
get promoted super fast and get their incomes doubling and tripling
in a few years.

In the past, income was based mainly on seniority and loyalty. The
longer you stayed, the more you were valued. In today's world,
income is based entirely on the amount of value you can create.

It is not uncommon to see people who are much younger, with a lot
less experience directing businesses and earning lots more than
senior workers who have been with the company a lot longer.

Value creators are indispensable assets to their company! They are
very hard to replace. And that is why companies will pay them more
and more and offer them partnerships to retain them.

Value creators are never out of a good job. They are usually head
hunted by other companies all the time, the head hunters offering
to double their income if they join them.

This habit does not just apply to employees, it applies to anyone
from sports stars to business owners.

When Michael Jordan was interviewed and asked how he became the
world's greatest basketball player, he replied, "I expect more from
myself than anyone would ever expect from me!"

When my coach expects me to train three times a week, I would train
five times. When my coach expects me to score 15 points for each
game, I would score 36 points! That is why I am the best in the
world".

Do more than anyone expects of you and you will find the river of
success flow like an never-rending stream into your life. Cultivate
this habit now and you will start to see results immediately.

If you liked this post, please buy me a Coke. My favorite thirst quencher. Thank you :)

For the Love of Money

noreply@blogger.com (Julianto Cahyadi) — Wed, 24 Oct 2007 13:03:00 +0000

If you had bought newspaper and read one recently, you would have noticed this one thing. There are lots and lots of advertisements about people want to invite you to come to their seminar to teach you how you can make money.. how you can make more money.. how you can grow your money.. and things like that.

All of them try to convince you one thing:
The potential of making MONEY in a fast way!
(Remember the line "I made bla bla dollars in bla bla months..")

So let's stop one second.
Just imagine that suppose you have ALL the money in the world.

What would you do?

As I ponder to that question, one song vibrated thru my mind... "money..money.. money..." (Remember The Apprentice?). So I decided to search on it and go through with the lyrics. Go ahead and read the lyrics.

For The Love Of Money

Some people got to have it
Some people really need it
Listen to me y'all, do things, do things, do bad things with it
You wanna do things, do things, do things, good things with it
Talk about cash money, money
Talk about cash money- dollar bills, y'all

For the love of money
People will steal from their mother
For the love of money
People will rob their own brother
For the love of money
People can't even walk the street
Because they never know who in the world they're gonna beat
For that lean, mean, mean green
Almighty dollar, money

For the love of money
People will lie, Lord, they will cheat
For the love of money
People don't care who they hurt or beat
For the love of money
A woman will sell her precious body
For a small piece of paper it carries a lot of weight
Call it lean, mean, mean green

Almighty dollar

I know money is the root of all evil
Do funny things to some people
Give me a nickel, brother can you spare a dime
Money can drive some people out of their minds

Got to have it, I really need it
How many things have I heard you say
Some people really need it
How many things have I heard you say
Got to have it, I really need it
How many things have I heard you say
Lay down, lay down, a woman will lay down
For the love of money
All for the love of money
Don't let, don't let, don't let money rule you
For the love of money
Money can change people sometimes
Don't let, don't let, don't let money fool you
Money can fool people sometimes
People! Don't let money, don't let money change you,
it will keep on changing, changing up your mind.

Money money money money, money
Money money money money, money.................

So... If you had ALL the money in the world, what would you do?

If you liked this post, please buy me a Coke. My favorite thirst quencher. Thank you :)

Take This Quiz

noreply@blogger.com (Julianto Cahyadi) — Tue, 09 Oct 2007 04:46:00 +0000

How are you guys doing? I hope everything is fine.

Recently I receive an email titled "Take This Quiz". I almost thicked to delete the email but then I thought.. "let see and what the quiz is all about". It turns out to be a great email compiling questions written by Max Lucado. So.. I just would like to share it here with all of you... I guess this one is really worth pondering:

Take This Quiz
by Max Lucado

Name the ten wealthiest men in the world.

Name the last ten Heisman trophy winners.

Name the last ten winners of the Miss America contest.

Name eight people who have won the Nobel or Pulitzer prize.

How about the last ten Academy Award winners for best picture or the last
decade's worth of World Series winners?

How did you do? I didn't do well either. With the exception of you trivia
hounds, none of us remember the headliners of yesterday too well.
Surprising how quickly we forget, isn't it? And what I've mentioned above
are no second-rate achievements. These are the best in their fields. But
the applause dies. Awards tarnish. Achievements are forgotten. Accolades
and certificates are buried with their owners.

Here's another quiz. See how you do on this one.

Think of three people you enjoy spending time with.

Name ten people who have taught you something worthwhile.

Name five friends who have helped you in a difficult time.

List a few teachers who have aided your journey through school.

Name half-a-dozen heroes whose stories have inspired you.

Easier? It was for me, too. The lesson? The people who make a difference
are not the ones with the credentials, but the ones with the concern.

PS. What do you guys think? Feel free to share your opinion..

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Back From Holiday and First Day of New Job

noreply@blogger.com (Julianto Cahyadi) — Mon, 24 Sep 2007 11:27:00 +0000

Hello Guys!

It's been soooo longgg since my last entry in this blog. I really thank you and apologize to some of you, which I can monitor, who frequently visit my blog but found no updates.

Well, as I mentioned in my previous entry, I have gone for holidays for about 10 days to my hometown, Jakarta - Indonesia. Basically really enjoying my time over there and didnt really touch internet until tonight. Pardon me for late replying your comments or emails.

Today I have just started my new job as a Geotechnical Engineer (finally) in the world leader offshore company! As I was very much excited about it, I couldnt really sleep the nite before. I have to get up very early in the morning as the company bus will arrive at the pick up point near my place at about 630am in the morning.

Thank God everything went smoothly today. Have my orientation in the morning, followed by lunch and got myself welcomed and introduced to the friendly office mates. Plenty of reading materials followed after that to keep myself busy for the rest of the day. Good thing about joining this company is (other than the big bonuses), I have the opportunity to learn a lot of new things and I really love it!

One BIG challenge is, I really have to get myself used to the new life style. Firstly, I have to work five and a half days, 730 to 1630 for Mon-Fri and 730 to 1130 for Sat. Secondly, I will have a very limited Internet Access. Let just say, I may not be able to check my email "every now and then - anytime I want to" like I used to before. But I will put conscious effort to at least update this blog every once a week, be it for my personal journal or for my personal learning in how to make money online! :D

Ok, that's a bit of update for now.. I thank you for keep reading this far. I welcome you to leave a comment or two :)

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3 Things You Need To Succeed in Life

noreply@blogger.com (Julianto Cahyadi) — Thu, 06 Sep 2007 02:05:00 +0000

I know I have not been blogging for quite sometimes by now. No Excuse for this. But I guess honestly, the main reason is the "honeymoon" period in my quest of learning how to make money online has probably ended.

I have to admit it is not easy to stay focus or keep the initial desire burning. There were times when I stayed up late just to learn how to attach an image embedded with weblink, or to learn how to fine-tuned my blog templates and stuff like that. Altough I have no idea what HTML is all about but the desire to beautify my blog and the potential of making money out of it, has forced me to learn it in the past.

Right now, I am just looking forward to have my holidays soon. My current job contract will be ending this 13 September. My new job will starts on 24 September. So I will be going back to Jakarta to have my long waited holidays, in between those dates. Yes, I'm going to meet my parents and my girlfriend again!! Cant wait to see them again.

This morning as I checked on my email, I received an email from Adam Khoo in which he shared about 3 things we need in order for us to succeed in life. I guess most of us might have known it and heared it many times. Goal, Focus, Confidence, etc etc. Some of us might even start to get bored or lost faith, hearing those fancy stuff from other people and yet failed to practice it in our daily life.

Well, I guess it is a reminder for myself that I have to stay focus on my goal. I have to keep that flames burning. I have to practice what I preached here in my blog. So I think, it will be worth mentioning here in my blog and I will share it with all of you what Adam Khoo has shared in the email to me. I really believe if we applied it, we will be on the right track! :)

So here it goes,

3 Things You Need To Succeed in Life - by Adam Khoo

#1. GOALS
You have to set GOALS. Yes, many of us set goals, BUT most people don't ever do them the RIGHT way and that's why most people are just setting yourself up for failure right from the very beginning!

You need to set goals because you have to know exactly where you want your life to head. And only when you have a destination in mind, only then can you draw the map to get to where YOU want to go.

So set your goals immediately OR life will just take you anywhere it wants - which is nowhere!

#2. FOCUS
Once you have your goals, you need to FOCUS on your goals and nothing else. What use is there of setting goals and then not focusing on them?

It's like saying you want to get top marks in a school exam, but then all you do is just play football. You're never going to ace the exam that way!

You need to focus. Concentrate on your goal! Make sure it drives you and motivates you, so that almost every waking hour of your day is all about moving closer to your goal, step by step. I can't emphasize this enough, but you MUST focus, focus, focus!

#3. CONFIDENCE
And lastly, you need CONFIDENCE. Supreme self-confidence in yourself that you can achieve your goal.

You need to believe in every fibre of your body that your goals is achieveble, that YOU deserve your goal and that it is going to manifest in your reality. If you don't believe you can do it, then you'll never do it. Just like Henry Ford said -"Whether you believe you can or you can't, either way you are right."

You must have the self-confidence that you CAN achieve your goals, or else it's never going to happen.

I believe that these 3 elements are CRUCIAL to your success. They all play a integral role in you achieving YOUR goals. Lose any one of these 3 elements and it's almost impossible to succeed in life. But harness the power of these 3 things, and I guarantee that you will blast your way to success in no time.I did it for myself. And it works. Isn't time you did the same for yourself as well?

I highly recommend you check this resource out if you're serious about your goals and your success in life.

=> http://julianto80.megaempire.hop.clickbank.net <-- Click here to find out more!

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Finally I Got A New Job !!

noreply@blogger.com (Julianto Cahyadi) — Thu, 23 Aug 2007 02:27:00 +0000

Dear all of my friends,

Just a short update!

As some of you may have known, I was looking for a new job as my current job contract is ending soon this coming September. Well, I am very happy to tell you that I finally got my self a new job! I will be working as an engineer in a company that is known as the largest offshore and marine groups in the world! This company is the world leading designer and builder of jackups, having built the most number of jackups on order in the last decade.

Honestly, I am truly grateful to be given the opportunity to work with them. The feeling is just simply beyond words. I am so eager to learn and absorb as much knowledge as possible in the offshore industry.

I am thankful to God too. He has been so good.. There were times when I felt really down and life was so miserable and all that.. There were times when I always asked God, "Why". Going through such difficult times iss not easy. I thank God that He did not let me give up. He always gives me strength to endure and carry on. Looking back now, I know that God was actually preparing me and moulding me to be a better person.

Well, now, back to Internet Marketing. A ha! To be frank with you, I am lagging a lot of it now. The reason is I really want to focus on my job hunting, first. Now that I got a new job, I will try to catch up, learn and share more on what I have learned in this blog!

Till the next post! :)

If you liked this post, please buy me a Coke. My favorite thirst quencher. Thank you :)