Aloha!!!!
pagi nie dingin betul, sejuk je... hujan sepanjang malam di sini...
di bawah nie eden letak artikel yg bagus untuk di baca dan di jadikan panduan oleh eden n ekau2 semua utk kemaslahatan ekonomi kita semua.... tapi tuela agak pjg artikelnya...
eden summary kan sikit...
seorang cikgu di US earn hanya $40 000 USD setahun (lebih kurang $3333.33 per month) mampu menyara kehidupan 4 beranak dalam keadaan yang selesa..... apa petua n tips n prinsipnya????? ekau2 baca lah kat bawah nie..... (kalau di malaysia mungkin cukup kot setelah nilai tue di convert ke RM (utk duduk di kota metropolitan hahhahaha) n lebih dari cukup kalau duduk di kawasan jin bertendang hehehehhehe).
Cikgu nie siap boleh tulis buku lagi about his financial survive...
As Washington politicians debate whether earning $250,000 a year makes a family rich, special education teacher Danny Kofke has come up with a much lower threshold for wealth: The father of two says that his family of four can live well on his $40,000 a year salary — and you can, too. He explains how in his new book, "A Simple Book of Financial Wisdom," a follow-up to his first book, "How to Survive (and Perhaps Thrive) on a Teacher's Salary." US News spoke with Kofke about how he manages to stretch his income and his tips for others trying to do the same. Excerpts:
It's pretty impressive that you have supported your family of four on less than $40,000 a year. How did you do it?
This took long-term planning. Raising a family of four on my teacher's salary would be next to impossible if we had a huge mortgage and a lot of debt. Before we had children, my wife, Tracy, was a teacher, too. We had a plan for her to be able to stay at home once we had children. We weren't exactly sure when this would happen (this is for The Man Upstairs to decide), but we had an idea on when we would start trying.
We ended up being married four years before Ava was born. During this time, we tried to live off one of our teaching salaries and used the other one to pay off debt and establish an emergency fund. We were not sure how long Tracy would be able to stay home — we initially aimed for one year — but were able to have her stay home for six years and work part-time for one. We were able to do this even after having our younger daughter, Ella, three years after Ava. The key for us was the long-term planning.
Can anyone really succeed at this?
I do feel that almost anyone can. I know there are some that earn a lot less than I do or have more debt but I feel they can work towards this, too. I am not a financial major or a chief executive of a company. I have never even taken a financial class in my life. If this 35-year-old school teacher can learn the basics of money management and finances, then others can, too.
Tell us some of your more unusual advice, that we might not have heard before.
I think the biggest thing I have learned is if broke people are making fun of you and laughing at your ways, then you are doing something right. It was difficult to get mocked when Tracy was working and we chose to live off one salary while others were spending like there was no tomorrow. Many people told me to get off my wallet and spend money.
Pride is sometimes a hard thing to swallow, but I knew that many of these people were not making smart financial decisions and these decisions would eventually come back and hurt them. I don't know if it is unusual advice but, when making financial decisions, you have to do what is right for you and not be influenced by the many temptations that surround us.
What's the hardest financial rule for you to follow personally?
Living below my means is the toughest rule for me to follow. There are so many temptations — Madison Avenue spends billions of dollars each year to get our money — and sometimes I want to buy things I know I should not. When this occurs, I allow myself a 24-hour breather and, if I still feel strongly about buying that object after this time, I will discuss it with Tracy. The great thing is, after I let the emotional aspect have time to go away, my more rational side speaks to me and I make a sound decision.
How are you teaching your children about money?
Once my older daughter, Ava, turned three, we had her do simple household chores so we could teach her how to handle money. I am not a fan of rewarding others for things they should be doing anyway, but I did make an exception with Ava since my initial goal was to teach her money management skills.
We started with chores that were easy for her to complete: cleaning her room, brushing her teeth. Every night, we would check off the chores that were completed, and every Friday we added them up and she was paid. We called this money what most parents do: an allowance. No matter what you call it, make sure your child does the work to earn the money.
After Ava got paid (she could earn up to $1 each week), she had three jars: Give Away, Savings and Spending. She first put 10 cents in the Give Away jar, 25 cents in the Savings jar and the remaining amount in the Spending jar. This worked so well for us. When we were at the store, often Ava would see something she wanted. We never had any arguments; we would simply say, "We'll have to go home and see if you have enough money in your spending or savings jar to buy it."
Ava has used the money in her Give Away jar in numerous ways. One year there was a little girl at my school who lost her father shortly before Christmas. Ava used her Give Away money to buy this little girl a stuffed animal. Ava actually came to my school and delivered this to her personally. Another year, Ava used this money to buy canned food for needy families in our community. This past Christmas, there was a family at her school that was struggling. Ava used the money in her Give Away jar to buy them a gift card to a local grocery store.
If Ava continues to apply these lessons in life — gives away 10 percent of her money, then saves 25 percent of it and uses the remainder for spending — and goes above and beyond in her job, she will be wealthy in more ways than a fat bank account can show.
Source: http://finance.yahoo.com/banking-budgeting/article/113561/secret-living-well-40000-Year-usnews
Kesimpulan: sikit2 lama2 jadi bukit & biar sikit yang penting consistant....
adios!!!!!
Tuesday, September 27, 2011
Tuesday, September 20, 2011
DDE: karamel telur
aloha!!!
tak de mood berblog
so tengok gambar je la...
sempena majlis raya tempat eden mencari rejeki...
nak mengeTART mahupun meLAPIS eden tak tahu
so berkaramel jela yang mampu..
2 adunan eden layan..
adunan 1 |
adunan 2.. sikit je kan nampak syrup caramel tue sbb tumpah dlm kereta sikit hehehhehe |
selamat sudah...... |
kesimpulan: bergallon2 calories, fat n seangkatannya di sepanjang syawal..
adios!!!
Wednesday, September 14, 2011
MERAH!!!!
aloha!!!
2-3 hari lepas...
ketenang sebuah bilik yg sentiasa tenang
telah diganggu gugat...
gara2 ank2 nak bermurallll....
maka terhasillah......
tolak roller tue 4-5 kali 2 beradik nie... lps tue tak nak dah... ermmmm tak sampai 1meter square pun... hahahhahaha
kalau eden tahu nak tukar color dinding.. tak payah eden susah pyh vakum bagai bilik nie...
kesimpulan: merah membara semangat waja....
adios!!!
2-3 hari lepas...
ketenang sebuah bilik yg sentiasa tenang
telah diganggu gugat...
gara2 ank2 nak bermurallll....
maka terhasillah......
semangat tue... merah menjadi pilihan miss 6 untuk biliknya... sebelum nie bilik nie color putih, hijau kunen.. skang jadi merah hijau kunen... (jgn pening sudah...) |
2 beradik saling bekerjasama... |
tekun, teliti, komited |
tolak roller tue 4-5 kali 2 beradik nie... lps tue tak nak dah... ermmmm tak sampai 1meter square pun... hahahhahaha
kalau eden tahu nak tukar color dinding.. tak payah eden susah pyh vakum bagai bilik nie...
kesimpulan: merah membara semangat waja....
adios!!!
KHAS untuk SIMATA BIRU YANG BARU HABIS MABUK LAUT...
aloha....
tak yah intro panjang.. ekau pemilik mata biru yg baru habis mabuk laut setelah 1 TAHUN.. (apsal mabuk laut tue tak hilang setelah 3-4 tahun yeee???? hahahahahhahha) satu lagi.. apsal nama sama mata biru??? ekau ambil nama hidung mancung sudah la... (sempena kelasi2 n nakhoda2 kapal yang terlibat hehehhehe)
macam biasa... ekau layan gambar....
kesimpulan.. BM MR hilang mabuk laut... eden doakan MR pulak yg mabuk2 lepas nie... mabuk2 alah.... AMINNNNNNNNN.....
adios!!!
tak yah intro panjang.. ekau pemilik mata biru yg baru habis mabuk laut setelah 1 TAHUN.. (apsal mabuk laut tue tak hilang setelah 3-4 tahun yeee???? hahahahahhahha) satu lagi.. apsal nama sama mata biru??? ekau ambil nama hidung mancung sudah la... (sempena kelasi2 n nakhoda2 kapal yang terlibat hehehhehe)
macam biasa... ekau layan gambar....
sila julingkan mata.. ekau nampak itu tiang yg bentuk separuh bulatan tue??? (ini lokasinya dlm bread pan ye...) |
ini namanya knedder tak silap.. nampak tak lobang yg bentuk semi bulatan tue?? ekau masukkan knedder berlubang nie pada tiang dlm pan di atas.... |
jadila mcm nie..... |
nampak tak bawah watermark tue ada 2 arrow menghala ke bawah???? n lubang kiri n kanan??? ini lokasi dispenser... |
gambar atas nie dispenser sedang dipasangkan pada tempatnya.. kat dispenser pun ada arrow.. so ikut je arrow tue... than tekan.. skil nya slide je benda nie... |
ekau tekan lagi... n lagi ... |
ini gambar bhgn bawah breadpan tadi.... |
ini lokasi bread pan dlm si mancung ekau... ekau letak pan tue kat sini... adjust2 le letaknya bg kemas n elok.... |
last sekali... sila buat semua resepi dlm buku yg disertakan yeee... hasilnya sila bagi laporan setebal 100 muka surat font arial size 8...... selamat mencuba.... |
kesimpulan.. BM MR hilang mabuk laut... eden doakan MR pulak yg mabuk2 lepas nie... mabuk2 alah.... AMINNNNNNNNN.....
adios!!!
Friday, September 9, 2011
kudap-kudapan
aloha...
eden tak de bahan la nak temberang pasal raya...
kita gosip pasal makan2 je la ye..
sebelum tue eden nak tanya ekau semua suka tak makan keropok segera?
tau kan keropok segera mcm mana???
keropok segera yg ini eden maksudkan... |
mesti ekau tau kan proses pembuatan keropok nie di mana....
baru2 nie eden telah diarahkan utk memborong ini keropok utk di jadikan bekalan penuntut di bumi anbiya... (perhhh import eskport tue hahahha)
maka berdoyon2 la eden pergi menerjah kilang keropok diatas itu untuk membeli seberapa byk yg boleh muat bonet kereta eden (pembelian diluar kawal tambahan pulak dibulan ramadhan.. keropok cenggitu pun nampak sgt menyelerakan (v_v) )
brand keropok nie rasanya sgt la glamer seantero sem. malaysia nie.. borneo area eden tak pasti.. (org borneo tolong jawab..)
so mari kita tinjau di sebalik tabir keropok ini...
keropok cap pinggan nama diberi.. lebih dikenali sbg keropok mak wan |
para pengimport sedang memilih barang dagangan |
tekun memilih sehingga tak tau nak pilih yang mana satu .. |
pengimport cilik dah dapat barang dagangan.. (peluk jgn bg lepas hokey.. kalau dh peluk mcm tue maksudnya barang wajib beli kekdahnya :() |
kat belakang tue operasi pembungkusan sedang dijalankan... lokasinya di tepi store penyimpanan di atas... saja eden tak p dekat.. sobab malas nak buka kasut hehehehhe... |
hasil dari operasi terjah tersebut... dapat la....
1) 3 bungkus keropok segera (setiap bungkus ada 38 pek kecik2 mcm gambar kat atas sekali) jadi ekau byg kan la.. kalau habis makan semua tue siap muka jd mcm keropok lepas nie hehehhehe
2) keropok keping (nk mkn kena goreng dulu la) 3-4kg
3) beraneka sos pencicah
4) asam-asaman (hahahha ada ke term asaman?)
5) kacang thai dlm tin tue...
6) dan lain2 ( tak ingat dah..)
selesai di kilang keropok eden n rombongan terjah tempat pembuatan serunding (dulu eden ada citer sila korek balik n3 eden yang dolu2 hehehhe )
tapi kali nie eden beli kat org yang lain... org yg tersohor katanya... sampai agung pun order kat dia katanya .. (katanya laa)
gambar tak de... harga ok.. eden beli serunding daging import saja..
daging tempatan, serunding ayam n ikan semua habisssssssssss... ramadhan.. org pulun beli .. p.cik tue import eksport lagi...
tapi okla.. puas hati.. serundingnya sedappp..;)
kesimpulan: bersama menjana ekonomi IKS (langsung jadi juru cakap tak bertauliah ye hehehehheheh) apa2 pun kedua2 kilang tue bersih lagi menyakinkan lagi halalan toyyiban ;)
Tuesday, September 6, 2011
sila bekerjasama...
aloha.....
layan gambar je la ye..
malas nak type pepanjang...
Cabaran mengambil gambar hanak2... macam2 gelagat ada... (sila abaikan segala mcm gegaran ye...)
miss 6 yang tetiba je moody sambil peluk mimi sipatung kucing.. miss 3 plak dah tak sabar nak makan ketupat palas kat tangannya |
sangatla bekerjasama kan... minta tengok kamera n senyum... macam tue senyumnya.... ermmm |
mood dah ok sikit adik plak buat aksi nak mkn ketupat ermmm.... (''^_^) |
adik ternganga.. miss 6 plak tetiba je nak promote buah tempatan.... geram tau geram... |
mata kelain tgn sempat lagi berpeace... |
dah dapat duit raya pun masih tak nak bagi kerjasama... muka adik dah boring dgn gelagat kakaknya |
walopun tak tengok kamera eden rasa ini la gambar 2 beradik yang terbaik sebab dua2 sheyum 2... miss 3 pakai tudung ala2 datin2 puan sri puan sri.. ada remosss... |
gambar raya tak rasmi .. sabar tau eden dipagi raya dgn gelagat hanak2 nie... senyum kat muka eden tu adalah pelastik semata.. dalam hati ada ghimau |
gambar tak rasmi raya... ghimau dr dalam hati dah mula nak kuar dah.. letih juga ye buat senyum plastik nie... hahahhaha.... |
gaya ibu mithali 1... pakaikan kasut hanak..(miss 6 tak nak pakai kasut raya.. nak pakai selipar je... geram lagi eden ...rasa nak mengaaummm je hahahah.... ) |
kesimpulan: sila beri kerjasama agar semua gembira... sabar itu separuh dari iman... (suka buat topik yg tetiba je kan....)
hahahha layan kan aje....
Pre-raya
aloha...
ekau2 semua citer raya kat rumah ekau... eden pun citer la juga sikit2 raya eden....
tahun nie walopun sepatutnya dlm jadual tahunan (hahhaha) eden beraya di pantai barat semenanjung malaysia tetapi... telah disepakati dan termaktub di dalam deklarasi raja2 seantero malaya... maka... eden pun tidaklah beraya di pantai barat... maka...
eden pun membawalah diri ke pantai timur sambil hati berlagu riang>>>balik kampung.... oooo balik kampung... perjalanan jauh tak ku rasa kerna hati ku melonjak sama... ingin berjumpa sanak saudara yang selalu bermain di mata... (ekau sambung la sendiri lagu balik kg sudirman nih.. malas eden nak taip hehehe n sila nyanyi guna loghat pantai timur ye... hahahhah)
dalam perjalan... eden jumpa nie.....
panjut... ekau tahu panjut??? pelita buluh tue.... |
zoom sikit... nampak tak ada 4 sumbu... bukan mancis ye... |
lokasi... hentian tasik banding (bukan yg ada jeti tue) yang kini jadi hak milik resort apa ntah... sekali parking 2 hengget.... (sebelum wujud ini resort parking tue FOC tau....) kalau makan2 kat situ... sila bersedia dgn rate resort ye... (iye puasa takkan nak makan kan... tapi harga minuman n makan sangatla tertera dgn jelas ye...)
eden stop situ sbb miss 3 emergency.. sebelum nie kat jetty tu je pit stop eden... perancangan dimasa hadapan.... eden takkan jadikan parking 2 hengget ni pit stop eden... (marhaen katanya) jetty tasik banding akn jadi pit stop idaman sebab parking free, nak makan, qadho hajat n semua2 tue lebih reasonable n affordable.... jarak antara dua tempat nie pun tak sampai 1km tak silap eden...
kesimpulan: asyik je ada org yg menangguk di air keruh.....
adios!!!!!!!!
Post-ramadhan
aloha!!!
apa kabar semua???? eden 2-3 hari nie pergi beraya kat rumah ekau2 semua.. (walaupun tak diundang muahahahha) semua bergosip pasal raya kat rumah masing2.... tapi eden nak cerita sikit je pasal post-ramadhan (selepas/hasil ramadhan)
macam mana nak intro ekk... kisahnya begini....
dipendekkan cerita....
selain eden, suami n anak berpuasa...... ada juga sesuatu yg berpuasa di rumah eden tue...
tapi ia berpuasa lagi tertekan sebab langsung tak bersahur n berbuka... hasilllnya selepas 30 hari berpuasa...................
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Semasa hayatnya masih ada..... |
kesimpulan: ermmmm apa ye??? ilmu yang baik patut diamalkan secara betul & ke jalan yg betul.. jgn membuta tuli, jgn salah guna... jangan taksub nanti hati mati mcm pokok tue..... bersangka baik lah... (tetiba je... hahahhaha... layan kan aje ye...;))
Adios!!!
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