29 May, 2009

How to Spend Like a Frugal Millionaire

Saving thousands while still spending.

Millionaires make up just 2 percent of the population. They get a bad rap during recessions for being wasteful with their money and are frequently used as examples of excess. It's the millionaires that you don't see that you can learn from in times like these. I call them the frugal millionaires and interviewed 70 of them to uncover ways we can all be smarter with money.

Nearly 70 percent of the economy is based on consumer spending. To keep the economy going we need to keep spending but not waste money in the process. This is where the frugal millionaires come in. They've been smart with their money all along and haven't lost it all and had to remake it. These are the kind of people you want to learn from when it comes to spending your money.

Spending philosophy.

Frugal millionaires are unique thinkers when it comes to spending money: 1) they can easily delay their need for gratification when purchasing; 2) they are resourceful in getting what they want by carefully timing their consumer purchases; 3) they make living below their means painless; 4) they don't like wasting anything (especially money); 5) their sense of "self-entitlement" is highly minimized: and 6) spending is OK with them...depending on what they are buying (think: appreciating vs. depreciating assets).

Buying tips.

These millionaires keep more money than they spend, that's why they are rich. Their tactics work for them so they'll work even better for you. Key Point: They don't view shopping as a sport. They shop efficiently and spend their time doing more important things with their lives. Here are their tips that will help you save while spending:

Cars: Buy used (or off lease) fuel-efficient cars, often with "certified pre-owned" warranties. This warranty can be better than a new car, plus the initial depreciation hit is avoided. Drive the car for a long time and never lease it.

Eating Out: Bring half of a meal home to eat later (this also saves the waistline). Eat at happy hours. Bring wine from home and skip dessert. Value food quality over expensive ambience.

Eating In: Eat better and less expensively by cooking at home. Make it a friends and family event. Get your kids involved. Bonus: You can have that extra drink without worrying about getting busted for driving under the influence. Also: buy day-old bread at the best bakery in town and freeze it. Eat oatmeal, because it's the most cost-effective breakfast food. Get a supermarket "club card" and buy food on special. Play the game of trying to see how much of a discount can be saved off the total food bill.

Clothes: When you buy something new donate something used to charity. Buy traditional clothes, but wait for the off-season to acquire them. Go for high quality - not high price. Buy vintage clothing and avoid logo clothing and keep people guessing who the designer might be. Hint: There shouldn't be one!

Consumer Electronics: Buy low-end gear that has the basic functionality of the more expensive stuff. Don't be the first to buy new technology. Wait at least one lifecycle so the bugs are worked out. Buy refurbished electronics whenever possible.

Computers: Buy more mainstream computers with proven technology. Select higher capacity hard drives, a decent amount of RAM (the memory that the program runs in) and a cost effective processor. Super fast doesn't always equal super good...unless you are building airplanes or bridges. Laptops are a good compromise between desktops and netbooks. Don't go through the pain of upgrading operating systems on existing computers, it's not time efficient and you will probably go insane trying.

Going green: Being green and frugal go hand-in-hand. Yet frugal millionaires don't readily fall for the trendy green hype machine. They typically buy green if it helps the environment and lowers their costs. They look at the timeframe when a product can pay for itself. They do use compact fluorescent lighting, turn off lights and equipment that isn't being used, monitor AC and heat usage (with programmable thermostats), drive efficiently, live in "right-sized" homes and turn off the water when they aren't brushing their teeth or washing dishes. Because they have trained themselves to not waste money they won't waste anything else either. They get into good habits and keep them going. You can, too.

24 May, 2009


Projek buat pizza pada 23/05/09 hari sabtu - oleh kerana banya permintaan dari kengkawan kami AbgAji dan isteri buat keputusan untuk tidak menghampakan permintaan diorang. Huh! penat juga untuk menyiapkan lebih kurang sepuluh biji "large pizza" ni.

Proses menguli tepung, sekarang ni senang sikitdah guna mesin uli. So AbgAji tak guna banyak tenaga kalau 3 kilo tepung masih boleh berposing lagi hehe.

Proses memasak inti / toping toping pizza, kali ini kami buat inti ayam.

Masih dalam oven selama 20 minit dengan suhu 200 deg. C.

Sedia untuk dihantar.

17 May, 2009


Hari ini Abg aji takde idea nak posting apa sebab sekarang ni sibuk dengan online bisnes. Hehehe just pegi kat youtube utk release tension.

11 May, 2009


Gambar ini dihantar oleh seorang rakan sekerja AbgAji melalui emel yang diambil dalam Masjid Negeri, Kuantan, Pahang. Memang bagus orang muda ini yang tidak meninggalkan solat lima waktu. Tetapi adab berpakaian ANAK MUDA ini AbgAji rasa tidak boleh dimaafkan walaupun dia solat tetapi secara biadab dia memalukan umat islam. Seharusnya pihak masjid atau pengawal keselamatan masjid tidak membenarkan pemuda ini memakai pakaian sebegini didalam masjid.

07 May, 2009


Fishers in northern Thailand netted this huge catfish in the Mekong River on May 1. Nearly nine feet long (2.7 meters) and as big as a grizzly bear, the behemoth tipped the scales at 646 pounds (293 kilograms). Experts say the fish, which belongs to the species known as the Mekong giant catfish, may be the largest freshwater fish ever recorded.

Thai fishers struggled for more than an hour to haul in the record-breaking Mekong giant catfish. Officials from Thailand 's Inland Fishery Deparment then used aperformance-enhancing drug to stimulate the pituitary gland of the female fish in order to prepare it for a breeding program (above). Despite efforts to keep the bear-size catfish alive, it died and was later eaten by villagers.

Thai fisheries officials had hoped to release this adult female Mekong giant catfish after they stripped it of eggs (above) for a captive-breeding program. But the whopping fish, which was as big a grizzly bear, didn't survive.
Listed a critically endangered by the World Conservation Union (IUCN), the Mekong giant catfish is one of the world's largest freshwater fishes. Other contenders include the Chinese paddlefish and the dog-eating catfish—another Mekong River giant.
After a record-breaking Mekong giant catfish died, residents of Hat Khrai, a Thai village on the Mekong River , butchered the fish for its meat.

" Mekong people believe it's a sacred fish, because it persists on plant matter and 'meditates'"—in the deep, stony pools of the Mekong River —"somewhat like a Buddhist monk, said Zeb Hogan, a fisheries biologist who studies the largest freshwater fish in the world. A WWF conservation fellow and National Geographic Society Emerging Explorer, Hogan has received funding from the National Geographic Society Conservation Trust.
Mekong giant catfish attract high prices in Thailand , because eating the fish is supposed to bring good luck.

AbgAji - kalaulaa ikan keli Abak (andak) belakang rumah tu sebesar tu puas makan gulai ikan keli. Hehe Andak ikan keli sekilo.

Look at what birds can do at 500mph

Assalamualaikum semua, hehehe maafkan AbgAji kerana lama tak upgrade blog ni. Bukan apa sekarang sibuk sikit dengan bisnes internet. Banyak masa abis layan member yang nak join bisnes ni. Alhamdullilah lumayan jugak bisness ni kalau nak join klik laa iklan kat atas tu "kerja sambilan dirumah"