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I got “everything” this month. And I feel good about it.

With 6 birthdays and 1 anniversary, what’s more there to count these blessing. Alhamdulillah.

And the best part come. What should I give them especially that one when the “done that” strike are occupying the lists.

Good best friends are building up new list based on their experience, but seems like it doesnt add up much. So let just repeat the list then.

Selalu anniversary / besday korang dah pernah bagi hadiah apa kat bini / si dia?

1. Jam

2. Handbag

3. Bawak pegi fine dining

4. Cium peluk

5. Bawak pegi bercuti

6. Kasut

7. Gelang emas

8. Pandora

9. Perkenalkan bakal honey

10. Bmw

11. Bagi bunga

12. Upah videographer compile semua memori dari kenal sampai sekarang

13. Upah hakiemzakaria nyanyi lagu “send some one to love me” diiringi band lipandara


I guess this is fine. We are all creative and can improvise the list.

Thanks guys! 😎

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To Scale Up or To Replicate

Any business will have this four phase. Startup, Growth, Maturity, and Renewal/Decline. While I’m looking at it, poundering whether I am still in one of the phase or already move to another, I asked one of the 5-month-old employee what he felt about this company. 

“I think the company are doing super great and very well!” He said excitedly. It surprise me as it it not what I expected. He then added, “We have new customers every week, we have returning customer, we have also partners.” And unfortunately, that was for him, as it give me interchangeably proud, happy and shivers feeling. 

For me, the past 10 months has been stagnant figure for the company. It is not what you think that we are doing same routine job everyday, but instead we were adapting to change during those times, catching up. It is good but exausted. 

Number-based Vision

So now I told my marketing assistant to give me data for the last year and this year and see where we are. Numbers dont lie as a friend, Zulkifli from, said. I would share the data collected at the end of this year and lets see how this project goes. Those data will help me planning for the next replication that I have in mind and probably would be usefull for scaling up.

New Target Market

Later in 2018, we are aiming for new target market, and let see how it goes. There are also a few business idea in mind, related to one another which desire an entire focus for one to kicking up. Probably I just enlist them so it reminds me again some time later:

1. Training and consultancy 

2. One-off project – A How-to Video online

3. IoT & Security – with Mobile Web / Apps

4. An ecommerce store


Scaling Up vs Replicate

Expansion can be mean two things, growing bigger in term of financial and also manpower. 

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Hello 2018

I hope it is not too late. I know it is not.

Although it takes me quiet a while to kickstart 2018 without proper plan, and risking it to prosper throughoutthe year.

Here is the setup that I have planted since early this year:

Dedicated Persons

More people, more focus, more to gain, more less headache task, and less gain on “income”. Phew. It just a matter of time as I forecast it is going to be a good “investment” anyway.

“Work-Life Balance”. The term I’ve been using with my ex housemate half a decade back.

Working in Alternate Days 

This year I am going to tune into that really slowly. I used to work almost everyday (even during weekend, and wifey would turn into hulk instead of wonder woman) and back home around 1 to 2 am.

So, just a rule to me for a worklife balance, I might use this alternate day concept. One day in house and next day in office. Furthermore, being far away from my second workplace is somehow create smiles to wifey as I now feel exausted driving (probably due to aging lolz).

Often every year, a new unique challenges will surface. Lets rock on 2018, again!


Signing In To Sustainability and Staying Relevant,

Dekan. 😊

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Probably the Last Working Method for Encrypted File by Ransomware

As since last week the world went havoc by this ransomware Wannacry and it seems like a very good opportunity by every security vendor in the world to email their potential customers regarding the subject.

So, the last thing you would want to do probably pay the ransom as it is the only way you know will work.

However, I have this idea, of getting the file, probably not all, but at least something than nothing – file recovery solution.


1. You dont have any backup

2. Your pc does not have drive cache or previous version

3. No other place that you store the very life-important file

…this thing could probably save your money, and life.

So, as I write, my antimalware colleagues now testing and validating this idea. Probably a 50% cure for this disease.

Hope for a good result. 😊

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Pengurusan Kewangan Untuk Fresh Graduate Berdasarkan Pengalaman Sebenar

Just recently, there is one subordinate of mine came to me to seek advice on her financial matter.  She has been working for 3 years now, with 1 year at private sector. She did complaint that her salary is lesser in public sector but she still can manage it for the time being.  

While I don’t think I’m good enough for advising her on financial management, we came to a small discussion on what her plan and objectives. Following that, I advised her based on my experience and knowledge on how that can be achieved. I learned that she wanted to be able to survived after her soon marriage and at least some liquid assets just right for her to use during critical times.  

Here is my current ‘blueprint’ for any fresh graduate for financial management thing (of course by exploiting their earning with payslip to the highest possible) 🙂


1. She/He need to have at least a total of RM3,000 income either from fulltime salary or part time.  

Currently she is salaried at RM2,200 and I did suggest some part time job that she can do such as tuition teacher, cake and brownies business, dropshipping, affiliates and a few more. In total, if she is consistent, she can happily achieved RM3,000 in next few months.

2. She/He has been working for more than three month.

This is important as my techniques are specially designed for fully utilizing the loan capability and the eligibility of those.

3. Savings. She should have adequate saving in her account, although not much, consistency will paid off. Saving should be made into investment body such as ASB and Tabung Haji.

Here is the step-by-step of what I suggested:

Step 1. Buy Health/Life Insurance – RM150/month

Health/Life insurance is important as much as planning the unexpected. Getting a life insurance will secure your financial amount on health and being yourself as you have the advantage of receiving a value that we called money. I’m not going to go deeper into this. A minimum amount suggested is RM150 per month.  

Step 2. Rent a whole house without furnish

If your singleship status will end soon, I suggest you start looking for a home that is unfurnished rather than a shared-room. The idea is that:

a. unfurnished house is cheaper than fully furnished, let say RM800

b. find your own housemates and charge them per shared-room let say RM700; so you only pay RM100 for the rental

c. gradually complete your house furnished with remaining money, which you can use these furniture during your early marriage-life  

Step 3. Saving

Keep a saving as minimum as RM200/month. Don’t skip.  

Step 4. Buy the properties  

Finding a house is far more different than going to shopping mall and grabs something that you like on your first sight. You need to do multiple visits, do the evaluation, prediction, and lastly decide on which house is closely suitable to meet your objective.  

I suggest that you follow these steps on using loan facilities in buying the houses:

a) First House – use bank loan  

b) Second House – use bank loan

c) Third House – if you are gov servant, use the government loan for the third  

You can opt for new development, subsale, and even auction if you have some cash in hand. My experience in these three type, subsale has given more advantage than those two.  With subsale, you can negotiate the price and also ensure that the house conditions are good for you before buying it. Furthermore, you can buy it below market price and with additional agreement, you can probably get a full loan. Auction and new development requires you to have a lot of cash as the capital.  You probably eligible for less than RM2,000/month for monthly commitment  at this stage. So you might want to look for properties (max: 2) that total up until RM350,000  

Step 5. Buy a car / something else that you need 

At this point, if you need a car, you can buy it based on your remaining Debt Service Ratio (DSR). You can buy other this as well. 

Step 6. Investing

Some might say that investing in ASB will give you max dividend with above 7% per annum. That is a good start. If you have any plan on investing on ASB, I would suggest that you do some homework on the trick of ASB loan, which somehow will give you 20%-30% in ROI. But careful, it might affect you DSR as well.  

Some also might say, it is best to invest in gold. I would say go for that as well. Whatever suit you. Those investments have its own upside down, which is normal.  

Oh how about unit trust?  

Frankly speaking, I’m not familiar with unit trust nor have any experience investing on that. The agent might say the ROI is 15%, but some might not get lucky enough and loose some amount. As he name suggest it os investing.

 Just keep in mind, whatever you plan to invest, do study the worse case scenario and consider what you might loose. For example, on ASB Loan, you might get free money but your commitment probably locked up to 5 years. 

Well I think that was it. 

Step 7. Register SSM

Register an SSM and start a small business at early age. I bet you would appreciate this point if you know what you can do with them. There are a lot of financial facilities that is available for small business and startup nowadays. Why not grab one for yourself.

Everything that is mentioned are based on my experience. You probably have different one, better than mine. Feel free to share anything in the comment form. 😉  

Last but not least, after 5 years, imagine how much can she gain?

1. Protected by life insurance

2. Have a nice house fully equipped with household and furnitures

3. Have some saving even if she used everything for her wedding, she has been trained to do contonuos saving.

4. Have a lot of cash in hand as the property were tremendously appreciate after 5 years with 0% RPGT. She might either: a) sell the house b) refinance to current value 

5. Have a car and anything else

6. Have some liquid asset. 

7. Probably has started a steady business that give her steady income 😉

 SpSekian sahaja kali ini. Semoga bermanfaat. InsyaAllah. Aminnn.

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I got “everything” this month. And I feel good about it. With 6 birthdays and...
article post

To Scale Up or To Replicate

Any business will have this four phase. Startup, Growth, Maturity, and Renewal/Decline....
article post

Hello 2018

I hope it is not too late. I know it is not. Although it takes me quiet a while to...
article post

Probably the Last Working Method for Encrypted File by Ransomware

As since last week the world went havoc by this ransomware Wannacry and it seems like a...
article post

Pengurusan Kewangan Untuk Fresh Graduate Berdasarkan Pengalaman Sebenar

Just recently, there is one subordinate of mine came to me to seek advice on her...
article post