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Author: bazil bolia

MY GOALS TO BECOME A MILLIONAIRE BY THE AGE OF 30: ARCHIVE 2

MY GOALS TO BECOME A MILLIONAIRE BY THE AGE OF 30: ARCHIVE 2

 

Gosh. It’s been 6 months from my last update and I owe some of my reader’s on what I have been doing to achieve my ultimate goal of becoming a millionaire.

It’s not easy.

But, if I were to make it, then probably I could prove a point that anyone can become a millionaire with the right amount of resources and determination. (Resources: Books, information, and people).

So previously, I’ve set these goals for 2017:

I am a millionaire by the age of 30

  1. Create a website, write about my experiences and get traffic for it (Update: my website has been averaging 2 page views a day. Not bad considering how infrequent i have been updating the site).
  2. Create an app, android preferably and host it in Google Play (Update: Me and my friend are currently working on a business model and I am trying to learn and get as much information as I could on how to create an app. I’ve been using freelancer.com, udemy and also youtube to learn these valuable skills. I don’t think publishing an app by the end of 2017 is possible at this rate. But at least we have something). 
  3. Save at least 20% of my income (RM1000) for compounding interest savings account (Update: Come June 2017, I took out most of my savings from my ASB account, roughly RM10k for a project and for my mom. I’ll explain it afterwards)
  4. Learn a new language and master it by 6 months (Update: I enrolled to a mandarin class, at Sedamai College in Bintulu; the fee was RM1400 for a class of 3 months starting from June to August. It was more to beginner mandarin and I’ve learned some basics word and pronunciation. I’m currently in the process of looking for a Mandarin tutor in skype for me to practice my mandarin this October. It’ll be a waste if I were not to practice the words that I’ve learned in my mandarin class). 

I am Married by the age of 30

  1. Save at least RM10,000 in my marriage bank account (Update: Roughly RM2k at the moment. Still possible with a 30% success rate.)
  2. Learn and understand marriage, in religious and life aspects (Update: Truthfully I didn’t spend much time on this.)
  3. Understand my partner better (Update: This. We had more fights than we ever did in 2016. But atleast I understand her better now.)

I am healthy

  1. Buy a bicycle and get myself riding at least once every two weeks (Update: I’m going to scrap this. Instead I’m going to set as playing tennis at least once every two weeks which I am actually doing.)
  2. Gradually stop smoking (Update: Tough one. I did stop smoking for almost 2 weeks when I had one of my worst food poisoning experiences ever in July. I still habitually smoke. But 3-5 sticks a day compared to 5-7 during the early years. Progress!)
  3. Eat less and go for a proper diet plan (Update: I can say that I certainly fail on this one. I’ve gained a staggering 12kg ever since I came to Bintulu in 2015. Too much sugar and too much food. I’ll use lean six sigma to help me on this.)

Right, so those are my current updates on my track to become a Millionaire by the age of 30. I’ve mentioned that I took out almost RM10k of my savings right? So I used that money to give my mom for house renovations and Hari Raya celebrations back in June. The rest of the money was used for me to a rent a shoplot, at Matang for a business that I’ve currently working on with my cousin and group of friends.  And oh, I’ve bought myself my first house and built a rig to mine cryptocurrency. I’ll share those information on a later post. I’ll keep you guys updated!

How’s your goal for 2017 going on so far? Did you progressed or closed any?

 

Bagaimana melabur ASB melalui Maybank2U

Bagaimana melabur ASB melalui Maybank2U

Jom kita blaja macam mana nak top-up pelaburan ASB menggunakan Maybank2U. So takpayah nak bazir minyak, baris panjang2 dekat kounter ASNB, bank ataupun pos.

1st korang kene daftar dulu. Kalau korang dah daftar boleh skip ke Step 7.

Step 1 – Log in Maybank2U dan click INVESTMENTS.

2nd Step – Click ASNB Unit Trust

 

3rd step – Click add. (Kalau korang tak daftar lagi nama ASNB owner tak dipapar macam gambar dibawah).

Step 4 – Dekat product name akan ada drop-down list. Click Amanah Saham Bumiputera atau mana2 produk yang nak di daftar.

Step 5 – Baca dan tick box terms and agreements.

 

Step 6 – Isi membership no. (dekat buku akaun ASB), member ID type (bergantung kad pengenalan yg ko pakai), member ID no. (example: no. IC) dan nama. Click continue. Lepas isi, Maybank akan hantar application kepada ASNB dan akan mengambil 1-3 hari kalau apply pada hari bekerja. Kalau apply masa weekend ataupun cuti awam, application akan di proses pada hari bekerja seterusnya. Settle.

Step 7 – Ok lepas dah successfully registered, dekat summary nanti ada nama korang dekat bawah macam nama aku yang tertera. Untuk top-up, click ASNB payment.

Step 8 – Dekat drop-down menu click unit holder or akaun yang korang nak top-up.

Step 8 – Baca dan tick box terms and agreements.

 

Step 9 – Letak amaun pelaburan yang korang nak letak.

Step 10 – Done!

My Goals To Become A Millionaire By The Age of 30: Archive 1

My Goals To Become A Millionaire By The Age of 30: Archive 1

TotallyMotivated

*This would be a series of posts that tells my readers on how I will became a millionaire by the age of 30*

I’m 26 this year and after 4 years I’ll be 30. 30 is the age of where most people think its the beginning and end of the decade that may be marked by significant life changes. If you’re not earning a stable income or atleast traveled alone or maybe a Masters Degree, you probably wasted a lot of your time either playing too much games, drunk or stoned. (Atleast that’s what the current society wants us to be – why can’t just everyone be a millionaire?)

I wasn’t raised in a rich family. Neither my family was poor. My dad was working as a security guard and my mom was working as a subsitute teacher. My dad used to bring me to kindergarden using his motorbike and I used to walk 30mins and crossed a river to school, went to a journey of bus rides and flights to and from university. I also got kicked out from my first corporate job in less than a year because the economy was trash.

Now here I am, an engineer for an oil and gas company (Malaysia Liquified Natural Gas – MLNG) and working hard paycheque after paycheque. The pay is good, it’s higher than what most Malaysians earn at my age but being the only one working in a family of 5, divorced parents and with my sisters still studying does take a toll on how much you can save each month.

“Survival goes not to the strongest or smartest of the species, but to the one most adaptable to change,”

I’m taking a step forward in this tough time with ever increasing job cuts, retrenchments and living costs to adapt in such environment, a few measures to adapt by first; creating a goal on what I’m going to do for the year 2017.

But before that, let me talk about goals. A lot of people know what goals is about. It is something that you want to achieve which effort is directed. I’ve set a lot of goals in my life before, but I realized that I made one huge mistake – I didn’t break my goals into tiny little pieces.

So here are my Top 3 Goals Before The Age Of 30

  1. I am a millionaire
  2. I am married
  3. I am healthy

I’m pretty sure some of you would be asking, how would I become a millionaire, how am I going to be married and how am I going to stay or be healthy?

So I break my goals further down into

What should I do in 2017 to achieve this?

I am a millionaire by the age of 30

  1. Create a website, write about my experiences and get traffic for it (Done)
  2. Create an app, android preferably and host it in Google Play (Q4 target)
  3. Save at least 20% of my income (RM1000) for compounding interest savings account (Doing it religiously)
  4. Learn a new language and master it by 6 months (Iban/Mandarin – currently learning mandarin)

I am Married by the age of 30

  1. Save at least RM10,000 in my marriage bank account (Q4 Target)
  2. Learn and understand marriage, in religious and life aspects (Ongoing)
  3. Understand my partner better (Ongoing)

I am healthy

  1. Buy a bicycle and get myself riding at least once every two weeks (Q3 Target)
  2. Gradually stop smoking (I’m smoking an average of 5-7 cigarettes per day – Q4 Target)
  3. Eat less and go for a proper diet plan (Eating less sugar and less trans food).

So as you can see here I’m breaking my goals to achievable ones – goals that I might be able to do and is not within my reach. You should try it too and see how it might help in transforming your life to the better.

 

 

365 Days Of Failure (4): I cheated to get a CGPA of 4.0 in my final year exam in college.

365 Days Of Failure (4): I cheated to get a CGPA of 4.0 in my final year exam in college.

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I’ve mentioned previously in my first 365 Days Of Failure posts that I wasn’t a straight-A student.

Though the picture says otherwise, the actual fact was I cheated to get an A specifically for one subject. It was Pendidikan Islam (Islamic Studies).

Truth be told, all other subjects were legit A’s – but for Islamic Studies I had to memorize a Surah (a Surah is what we call as a ‘chapter’ in the Holy Quran). It was Surah Yasin (the 36th chapter of the Quran and has 83 verses, around 10-15 pages long depending on what size of Quran that you’re reading).

During the recital, our teacher gathered a group of 5 to recite the Surah. We gathered in a circle and the teacher was in the middle. He actually gave us a week to memorize Surah Yasin, but I didn’t memorize it at all. I scored a good chunk of marks in the paper exams and in order to get an A I had to memorize this Surah.

In my group, I can tell everyone memorizes it. Except me. When everyone started reciting, I recited together up till the first 10 verses and then I’m gone. I started mumbling, humming and produced sounds which sound almost exactly the same as what my friends were reciting. It was like a delayed type of response speech. I have to go through this. Only 73 verses left. Only 73 verses to hum.

And when we finally recited the last verse. I was nervous – I’m sure that my teacher would recognize that I wasn’t reciting the verses. I’m sure he might fail me on the memorization module and I had to settle with a B at least, or he might give me another day or so to memorize it and recite in front of him one on one.

“Thank you students. You all pass the memorization test,”.

I’m not sure whether my teacher was paying attention to the recital, or probably he was being nice. Clearly he was being nice because we were the last group to recite and I specifically chose to be in the last group because I hoped that this could happen. My teacher being nice to let me get to pass the memorization module although I didn’t recite most of the verses of Surah Yasin.

And I got an A for Islamic Studies.

I’ve had that guilt for years now and I had to write it out. So there you have it. If not because of my teacher I won’t be getting a straight-A after all. I still treat it as a B though, because my effort simply wasn’t there.

 

365 Days Of Failure (3): My Initial Failure In Getting A Scholarship Part 2

365 Days Of Failure (3): My Initial Failure In Getting A Scholarship Part 2

mara

Other than Shell, I’ve applied for scholarships at Petronas, Telekom Malaysia (TM), Sime Darby, Perbadanan Nasional Berhad, Bank Negara and Yayasan Sarawak. I didn’t even get an interview invitation. My only last chance to get a scholarship was through the government and as I mentioned before, I have a 0% success rate because my Malay was B. I still hope that somehow, somewhere or somewhat I will be successful in my application and get invited for an interview. All other scholarship bodies rejected me, and the only interview I went was unsuccessful. I needed a miracle and it was my only chance, although it’s 0%.

Before the application results day, I prayed hard – and my prayers were not answered as I didn’t get selected for the interview process. I was devastated, but I actually expected the outcome.

I didn’t give up. The government body usually gives another chance for its unsuccessful applications to plea – which I did and again I hoped. I hoped that I will be successful in getting into the interview process, at least.

Results were the same even after plea application.

I was unsuccessful.

I got desperate and a desperate man will do desperate things. I went to MARA’s office in Kuching and talked to the front desk helper. I told her that I wanted to inquire about the education scholarship and she told me to talk to one of her officers. I explained my situation to the officer in charge, and she told me to write a formal letter to one of the education directors of MARA in KL and fax it straight away. The officer told me not to get my hopes high and continue searching for other scholarships or continue my studies elsewhere.

At that time I was preparing myself to enter UiTM’s engineering foundation program at Shah Alam. Just 2 weeks before my induction, I got a called from MARA’s Kuching office inviting me for a scholarship interview. I was jubilant. I prepped myself well and I knew it’s a make it or break it situation. The questions asked were pretty generic as far as I remember – like what courses do you want to take, which universities do you want to go to, what made you choose the course or university, what contributions you could give back to society and so much more. The interviewer was actually the officer which I’ve talked initially about my situation, and again she told me not to get my hopes high and continue with my studies at Shah Alam.

I enjoyed studying at Shah Alam.

I’ve met a lot of friends there and the lectures were fun. Tutorial was a breeze but the walk to the halls and classes are tiring. I actually told myself that I won’t be getting the scholarship after all, because a month now has passed and some of my friends have already got their scholarship confirmation. I’ve set myself that probably I’ll settle for a scholarship later on.

Almost two months at Shah Alam, I’ve got an unknown number calling me out of nowhere. At first, I didn’t want to answer as it might be some insurance or telco company offering me promotions but I answered it anyway.

“Is this Encik Mohammad Bazil?”

“Yeah, speaking,”

“Congratulations, I would like to inform you that you have been awarded a scholarship by MARA. If you’d like, you may wish to collect your scholarship offer letter at Kuching or in KL,”.

I did not expect that at all. 2 months after the interview and I got it. I got the scholarship offer!

I told my friends, lecturers and tutors about it and they were supportive. A friend of mine, Saufi offered his help to fetch the offer letter together with me at MARA’s office in Kampung Baru. It was nice of him, as I wasn’t familiar with KL’s busy street. I was only 18.

I’ve said my goodbyes and welcomed a new chapter in my life. I was preparing myself to study overseas. A dream which I always dreamed about. A dream that I shall make it a reality.

Patience and persistence, is a virtue after all.