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1. FEATURE ARTICLE: HOW TO BENEFIT FROM BOOKS
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One of the things that amuse me whenever I go to the
bookstore is seeing some guys curling up in a corner,
reading and taking notes from a book. It is obvious these
people found the points mentioned in the book interesting,
useful or both. But for one reason or another, they are not
willing to buy the book. So they take down some notes,
hoping to benefit from the book without having to buy them.

Free advice!

The only problem is that this strategy doesn’t work!
Never has, never will. I guarantee it.

Let me now share the correct, right and in fact, the only
way you are going to benefit from books.

Firstly, you must read the book at least three times. Yes,
at least three times! Why? Because you will understand the
content better and also see things that you may have
missed the first time around.

Next, you have to mark the important points as you go
along. Mark it, underline it, highlight it. Why? Because it
will make it easier – saving both your time and effort –
when you review the book later. Don’t worry about all those
markings defacing the book. Remember that a book is meant
to be used,not purely for display.

Now after extracting the pertinent points from the book,
you have to put the knowledge into action. Knowledge is only
power when applied. If you just read the book but not apply
the knowledge, all that happens is that you become a learned
fool. You know a lot but not benefitting from the
knowledge, which perhaps beat the purpose of reading the
book in the first place.

Finally, you have to review the book again and again.
Perhaps once a year or so. Only then you will remember the
points and can therefore continue to benefit from the
knowledge.

Naturally, all these steps will mean that you must have
the book with you. Reading it once at the library, and
certainly skimming it for free at the bookstore, is not
going to work.
You will not benefit because you will forget the points.
I can reveal that I have to read my own books because I
myself forget the points. (Of course, the fact that I have
written 30 books only compounds the matter.) Imagine that?
If I as the author can forget what I wrote, how can others
remember it if they read it only once?

In other words, you must own the book. Which means that
you have to buy them, or steal them! (Needless to say, you
will not even consider the second method.) Anyway, the
average book in Malaysia costs an average of RM30 or RM40 –
the equivalent of a day’s meal for most of us. In other
words, anyone can afford them. You can miss a day’s meal;
it will not kill you. But the knowledge from the book can
feed you and your family for a lifetime, not to mention
feed others as well. Actually, all you have to do is to buy
and read one book a month, and you will be ahead of ninety
percent of the population. Isn’t that a worthwhile thing to
do?

For those who are still in doubt, think about this for a
minute: have you ever known or heard a person becoming
rich, happy, healthy, successful, etc., etc. because he
skimmed books for free? NEVER! NEVER! NEVER!

So to recap, you must read and reread books in order to
benefit from them. That is why I buy books, read and reread
them over and over again – over 700 of them. In fact, I
have read some of those books over a hundred times each.
That is the main reason why you heard my name.

It will also be the reason why others will be willing to
pay tens of thousands to learn from you.

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2. QUOTE OF THE MONTH
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There is a great deal of difference between an eager man
who wants to read a book and a tired man who wants a book
to read.

* G.K. Chesterton *

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3. YOUR QUESTION ANSWERED
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QUE:

salam. Mr Azizi

saya nk tanya, saya ada jumpa seorang agen yg menawarkan
loan koperasi kepada saya. apa yg diterangkan kpd saya
amat menarik perhatian kerana dia menawarkan saya loan dari
sebuah koperasi dgn pakej - penerangan yg diberikan oleh
agen tersebut kpd saya:

buat loan dgn sebuah koperasi (mana2 koperasi yg saya
pilih) dan dalam masa yg sama dia offer utk buat simpanan
sebahagian dari loan yg saya dapat ke dalam sebuah
koperasi yg lain (koperasi tersebut akan mengeluarkan sijil
bon) yg memberikan pulangan sebanyak 3.04% sebulan.

cthnya:
jumlah loan yg saya dapat setelah ditolak yuran2 : RM30000
byrn bulanan utk loan tersebut : RM500

jumlah simpanan ke dalam koperasi yg memberikan 3.04%
sebulan : RM15000

tiap2 bulan saya akan dpt pulangan sebanyak : RM456

dan agen tersebut telah menyatakan pulangan dari simpanan
tersebut telah dapat mengurangkan bayaran bulanan saya.

Soalan saya,
1) apa pandangan Mr Azizi - ada ke koperasi yg boleh
memberikan pulangan sebanyak 3.04% setiap bulan.

2) apa nasihat Mr Azizi - bagaimana jika saya ingin
membuat pinjaman utk menutup hutang2 saya yg masih berbaki
lebih kurang RM30000

terima kasih

JAWAPAN

Untuk memberikan jawapan yang tepat, saya memerlukan
maklumat yang lebih terperinci. Bagaimanapun, saya akan
memberikan jawapan dengan maklumat terhad yang anda telah
berikan.

1.Mungkin ada koperasi yang memberikan pulangan begitu
tetapi saya tidak tahu atau pernah mendengar mana-mana
koperasi lagi yang memberikan pulangan yang setinggi itu.
Koperasi Bank Rakyat memberikan pulangan 15% setahun dan
satu koperasi yang saya tahu memberikan pulangan 12%
setahun. Koperasi yang anda sebut ini memberikan pulangan
3.04% atau 36.48% setahun. Kalau betul, ianya memang amat
bagus. Sebelum melabur, periksa pulangan tahun-tahun yang
terdahulu(mesti dalam black & white dan bukan cakap saja)
dan bercakap dengan pelabur yang terdahulu. Kalau betul
koperasi itu memberikan pulangan 36% setahun setiap tahun
untuk lima tahun kebelakangan, consider yourself extremely
lucky. Tetapi saya amat was-was. Kalau betul koperasi itu
memberikan pulangan begitu, satu Malaya akan bercakap
tentangnya. Kenapa tak pernah dengar? Mungkin jawapannya
ialah kerana ia tidak berlaku. (Sila baca article 047
untuk maklumat lanjut tentang pulangan.)

Tawaran yang datang (dan yang akan datang) akan sentiasa
kelihatan menarik. It is up to you to educate yourself
untuk menjadi pelabur yang lebih bijak supaya dapat menilai
mana yang intan dan mana yang kaca.

Dan oh ya, bukan senang untuk mana-mana syarikat atau
koperasi mengisukan ‘bon’. Mereka memerlukan kelulusan
daripada Suruhanjaya Sekuriti dulu, among other things.
Kalau tidak, semua orang akan isu bon.

2.Anda tidak boleh menutup lubang dengan mengorek lubang
lain yang lebih besar. Dalam kata lain, jangan ambil hutang
baru untuk membayar hutang lama. Bayar hutang lama dengan
wang sendiri. Ianya mungkin memakan masa tetapi anda perlu
melakukannya untuk hidup sejahtera. Jika tidak, anda akan
dibelenggu hutang SEUMUR HIDUP.

* HOT TIP *

Read “Hindari Kanser Dengan Antioksidan” by
Dr. Norman M. Norawi