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IN THIS ISSUE
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1. Feature Article
2. Quote of the Month
3. Your Question Answered
4. Special Offers
5. New Books from Truewealth
6. Latest News from TrueWealth
7. Disclaimer
8. List Maintenance

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1. FEATURE ARTICLE: NO GUARANTEES
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I spoke at a company in Malacca recently. We all had a
great time, laughed and yes, learnt how to manage our money
better.

At the end of the talk, a significant number of the
participants rushed to get some of the products we had for
sale at the back of the seminar room. Most of them were
eager to pick more information so they will become even
better in managing their finances.

From the corner of my eyes, I noticed a young man in the
crowd looking at my two books. He would pick them up, put
them down and repeat the process a couple of time. Finally,
he turned to me and asked, “Mr. Azizi, can you guarantee
that I will become a millionaire if I buy your books?”

I smiled at him. I wished that I could tell him yes but I
knew that the answer was no. Not because the books were not
good - they are excellent - but because of him. The reality
is that there is only one person who can make him rich. And
that one person is not me. It’s not his manager, not the CEO
of his company, not the finance minister and not even the
prime minister. That person is him.

Folks, the only person in the world who can make you rich is
you. The only person in the world who can make you smart,
brilliant or successful is you. The only person in the world
who can make you achieve all your goals and dreams is you.
The rest of us - elders, parents, teachers, educator s and
leaders - can only share knowledge, ideas and wisdom. But if
you do nothing with that knowledge, you will remain where
you are, facing the same problems day in day out until the
maker comes a-calling.

Coming back to our story and the young man; he just put the
books down and faded into the darkness of the night. I will
probably never see him again so I wished him well. But I
know where he will end up - broke, angry and wishing for a
second chance at life when he is 65.

Folks, the reality is this - there are no guarantees in
life.

The moment we are born, there is no guarantee that we will
live to a ripe old age. When we go to school, there is no
guarantee that we will graduate. When we go to work, there
is no guarantee that we will keep the job for life. When we
get married, there is no guarantee that we will stay married
for life. And when we invest, there is n o guarantee that we
will make more money.

So I’ll say it again, folks, there are no guarantees in
life. The faster you accept that, the better.

Because the ones who will create waves are the ones who are
willing to put their necks on the block. The ones who
achieve lofty heights are the ones who are willing to climb
- even though they are scared of heights. Those who want to
play it safe (read guarantees) will wind up working for
those who are willing to live dangerously.

There’s an old joke that I’m sure you’ve read and heard many
times before. But because the point is still valid, I’ll
retell it one more time: there are three types of men. The
first type makes things happen; the second type see things
happen; and the last type stand there with his mouth wide
open, “Huh! What happened?”.

Incidentally, the first groups of men who make things ha ppen
never ask for guarantees. They just go ahead and do what is
needed to be done.

So no, I cannot guarantee that you will become a millionaire
by reading my books. Neither can Thomas J. Stanley, Robert G.
Allen or Robert Kiyosaki for that matter. What we can do is
increase your chances of achieving what it is that you want.
We do this by educating, training, guiding, mentoring and
coaching. That is why we publish books, conducts seminars,
training and coaching sessions.

Now I’m not saying that one must read my books or come to my
seminars. Read all the books and go to as many seminars as
you can - you will learn from each one of them.

There are thousands of great books out there written by
marvelous authors - Steven Covey, Anthony Robbins and Deepak
Chopra to name but just three. Let’s not forget Malaysia’s
own - Rajen Devadason, Billi Lim, Lilian Too and ehm, ehm, a
certain Azizi Ali. There are also world class speakers and
trainers in Malaysia - Dato Lawrence Chan leads the pack. So
read, listen and learn. Get better. Grow.

Because once the knowledge is in your hands, you don’t need
any guarantees.

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2. QUOTE OF THE MONTH
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“If you want to change your financial situation, you have to
change your financial situation. You can’t expect a small
change to bring big results.”

* Brad Sugars *

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3. YOUR QUESTION ANSWERED
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SOALAN:

Assalamualaikum En Azizi,

Saya ingin meminta pandangan dan nasihat tuan mengenai
perkara di bawah:

Existing loan : RM 75,000 (full settlement rate)
Interest rate : 6.75 (BLR) + 0.75%
Mthly ins : RM583.00
Serve for 30 yrs
Tarikh DOA : 18/5/2001

Refinance
Loan : RM85,000
Interest Rate : 6.75% - 1.85% = 4.9%
Mth : rm556.00
tenure : 20 yrs

Tuan rasa adakah patut saya mengambil refinance tersebut?

JAWAPAN:

Pada amnya, kita patut me’re finance’kan loan jika jumlah
bayaran balik kita adalah kurang daripada loan yang pertama.

Pengiraannya senang sahaja. Jumlahkan bayaran balik kedua-dua
loan tersebut dan bandingkan keduanya. Jika jumlah bayaran
balik loan yang kedua lebih rendah, mak a anda patutlah
refinance loan tersebut.

Dalam kes anda, jumlah bayaran balik loan asal ialah:

RM583 x 12 (bulan) x 30 (tahun) = RM209,880

Jumlah bayaran balik loan kedua ialah:

RM556 x 12 (bulan) x 20 (tahun) = RM133,480

Jadi anda patut me’refinance’ loan anda kerana anda akan
menyelamatkan RM76,440 by doing so.

Walau bagaimanapun, pengiraan ini membuat assumption yang
kadar faedahnya kekal dan tidak ada kos tersembunyi
(umpamanya legal fees). Kalau ada kos-kos lain yang perlu
dibayar, anda perlu menambahkan kos tersebut dalam pengiraan
di atas.

Saya harap jawapan ini akan menolong anda.

* HOT TIP *

Baca “Wang, Anda dan Islam” oleh Ustaz Zaharuddin Abd Rahman