Adakah usahawan dilahir ataupun dicipta?

Dalam Business Horizons, Edisi September-Oktober 1986, John G Burch menyatakan bahawa seseorang usahawan harus mempunyai sembilan sifat keperibadian seperti berikut:

1. Keinginan untuk mencapai: daya usaha untuk mengatasi masalah dan melahirkan usaha niaga yang berjaya.
2. Kerja keras: sikap mabuk kerja.
3. Sikap pembelaan: kesanggupan mengetuai dan mengawasi usaha mereka sehingga ia boleh berdikari.
4. Pengakuan bertanggungjawab: kesanggupan memikul tanggungjawab kepada usaha-usaha dari segi moral, undang-undang dan mental.
5. Orientasi ganjaran: keinginan mendapat ganjaran untuk ikhtiar; ganjaran boleh mengambil bentuk selain daripada wang, seperti pengiktirafan dan rasa hormat.
6. Sikap yang optimistik: pengamalan falsafah bahawa masa kini adalah masa yang terbaik dan apa-apa sahaja dapat dilakukan.
7. Orientasi kepada kecemerlangan: pencapaian sesuatu yang dapat memberi kebanggaan.
8. Pengurusan: kemahiran dalam penggabungan bahan-bahan usaha serta dalam pengelolaan manusia.
9. Orientasi mendapat untung: keinginan mendapat ganjaran, akan tetapi untung cuma merupakan kayu ukur kejayaan.

Usahawan Berjaya

Daripada sifat-sifat ini, salah dua antaranya lebih merupakan sifat yang semula jadi, yakni "keinginan untuk mencapai" serta "keupayaan untuk bekerja keras". Keupayaan untuk bekerja secara keras dan lama dalam penerusan projek yang tertentu memerlukan penggabungan tenaga fizikal, emosi dan intelektual yang tidak dapat diransang secara dibuat-buat.

Oleh demikian, seseorang usahawan perlu mempunyai dua kumpulan sifat, yakni satu kumpulan yang semula jadi, dan lagi satu yang dapat diperolehi. Dengan kata lain, sebahagian daripada sifat-sifat usahawan perlu dimiliki sewaktu dilahir dan sebahagian lagi harus diperolehi. Sesiapa yang tidak mempunyai kedua-dua ciri tersebut sewaktu dilahir tidak dapat menjadi usahawan ataupun tidak mungkin berjaya sebagai usahawan, dan sesiapa yang mempunyai kedua-dua ciri ini tetapi malas memperolehi ketujuh-tujuh sifat yang lain juga tidak akan berjaya sebagai usahawan.

source: kumpulan usahawan malaysia
http://www.facebook.com/group.php?gid=183179759880&ref=mf

Macam mana nak automatik kan pembayaran ke bank setiap bulan (menggunakan platform Maybank2u dan CIMB Click)

Salam Semua.

Dalam kehidupan serba moden ni, kita tidak boleh lari dari bayaran bulanan ke bank. Kalau tiada bayaran bulanan ke bank, saya tak tahu nak letak dalam katogeri mana. Mungkin suri rumah sepenuh masa kot.

Kadang kadang "pekerjaaan membuat pembayaran" ini telah mencuri "masa" dan "duit" kita secara tidak sedar.

Yelah, contoh nak buat pembayaran TNB supaya rumah kita tidak bergelap dimalam hari. Ada org terus pergi dekat kaunter Kedai Tenaga. Ada yang membuat pembayaran di pejabat pos.

Kos yang perlu dikeluarkan: Petrol RM1, parking RM2. Dah RM3 kat situ. Kalau parking merata lepas tu kene saman lagi parah, melayang RM100. Masa dihabiskan: 30 minit. Kos masa?

Ada yang kata, alaaa sekarang dah senang, semua boleh diselesaikan dihujung jari je. Yang ni saya setuju. Dengan kemudahan internet, kena nak buang masa dan wang anda. Semua nya boleh dilakukan dihujung jari sahaja.

Tetapi, tahukan anda yang sebenarnya kita boleh mengelesaikan semua ini tampa membuat apa apa? Ok, kene buat pertama kali, lepas tu semuanya akan automatik.

"Orang berjaya membayar duit untuk mendapatkan "MASA". Orang biasa biasa membayar masa untuk mendapatkan "DUIT".

Kita boleh memudahkan kerja kerja kita dengan SI atau "Standing Instruction" daripada bank. Maybank memanggilnya eSI (nama kene kasi gempak sikit, baru dia boleh cas pengguna).

Tapi perlu diingat, Maybank mengenakan cas RM2 untuk sekali eSI antara Maybank, dan RM4 untuk pembayaran selain dari Maybank. Terpulang kepada masing masing untuk menilai. 

Bayaran yang anda boleh buat SI:

1. Duit untuk Ibu Bapa
2. Bayaran Kereta
3. Bayaran Rumah
4. Bayaran Kad Kredit (average payment untuk mengelakkan late charges)
5. TNB
6. Syabas
7. Telekom / Streamyx / Unifi
8. Majlis Daerah (Cukai Pintu)
9. Bayaran maintenance rumah (apartment/condo)
10. Apa apa sahaja bayaran secara monthly

Kebaikan menggunakan SI:

1. "Pay yourself first". Ini adalah kunci kejayaan jika anda baca dalam mana mana buku pelaburan. Buat SI untuk simpanan jangka masa panjang anda.
2. Mencantikkan statement bank anda di mata pegawai bank. Senang nak buat loan
3. Late payment credit card RM25-RM50 untuk sekali lambat (bergantung kepada bank)
4. Late payment kereta juga RM5-RM50 (bergantung kepada bank)
5. Tiada lagi istilah ragu ragu "dah buat pembayaran ________ ke belum bulan ni?"

Keburukan SI:

1. Kalau buat SI 24 bulan atau 2 tahun, sampai 1 masa kita lupa apa yang kita bayar setiap bulan.

Potential loss dalam masa 1 Tahun sekiranya membuat pembayaran manual

1. Petrol cost RM50
2. Saman Parking RM100 (atau anda tak pernah kene saman parking?)
3. Kos masa

Note: buat masa ni, SI dari Maybank ke ASB tidak ada (dulu boleh tapi sekarang dah tak boleh). Anda masih boleh transfer online dari Maybank2u ke ASB. Boleh cari dalam investment tab. Kene buat manual online setiap bulan.

Cara cara untuk set SI menggunakan platform Maybank2u:

1) Bukak Maybank2u anda

Maybank2u

2) Jika ada lebih dari 1 account, select accout yang anda nak buat SI

Maybank2u

Haaa nampak, sepertik magik, SI tu sudah berada di kiri anda.

3) Klik SI tu. Lihat sebelah bawah kanan. Klik "Add"

Maybank2u

4) Ok sekarang kita ada beberapa pilihan. Mengikut pemahaman saya, eSI di Maybank ini adalah tertumpu kepada Transfer duit dari account kita kepada account Maybank, atau bank bank yang lain.

Manakala "Payment" kepada TNB, Syabas dan lain2 adalah tergolong dalam "Payment", tak ada kat sini. Lepas ni saya terangkan.

TIPS: adalah lebih baik anda save account bank tersebut sebagai favorite terlebih dahulu (sama adala Maybank atau bank bank lain macam CIMB.

5) Isi tempat kosong.

1. Mula mula masukkan nama untuk SI ni
2. Account no
3. Berapa amount setiap bulan
4. Lepas tu pilih frequency: monthly ke, weekly ke
5. Lepas tu pilih bila bayaran terakhir. Kalau nak senang pilih until further notice (jangan risau, kalau nk tukar boleh buat balik. Tak kene charge pun)
6. Recipient ID. Pada pemahaman saya, recipient ID ni kalau kita nak buat pembayaran online, buyer tu bg no invoice, boleh la masukkan kat sini. Biasanya tak perlu pun. Kalau tak ada klik je no.

Cara cara untuk set monthly "PAYMENT" menggunakan platform Maybank2u untuk TNB, Syabas, dsb:

1) Pilih bank account

2) Recurring payment

3)

4)

Cara cara untuk set SI menggunakan platform CIMB Click:


1) Pergi ke Transfer

2) Transfer dari CIMB ke CIMB. 

Paling penting kene klik dekat "Recurring" tu untuk menjadikan dia SI setiap bulan. Tiada charge dikenakan (kalau Maybank2u dikenakan charge RM2)

3) Transfer dari CIMB ke bank bank lain. Dikenakan charge RM1 sahaja (kalau Maybank2u RM4).

4) Cara nak cek balik Schedule / SI yang dah di set

Masalah battery telefon tak tahan lama - Power Bank Yoobao 13000

Memandangkan kerja seharian saya yang memang selalu kene travel, saya mempunyai 1 masalah utama. Battery phone tak tahan lama. Kecanggihan telefon juga menyebabkan saya boleh jimat supaya tidak perlu membeli GPS. Semuanya sudah tersedia di dalam telefon. Appointment bersama client di tempat tempat terceruk pun dipermudahkan dengan GPS di telefon.

Setelah mentelaah sumber sumber di internet, saya nekad nak beli Power Bank. (kenapa dia panggil Power Bank: mungkin sebab tugas dia untuk simpan power)

Power Bank: Yoobao 1300 mAh

Saya beli Power Bank ni dgn harga RM110 bulan lepas. yg ni AP set punya. Kalau original blh dapat dalam RM200++. Saya beli secara online dari: http://www.lelong.com.my/kx/yoobao+13000.htm. Dah lupa supplier mana satu. Tapi servis sangat bagus, bayar harini, esok dah dapat.
Harini saya tgh harga dah murah, boleh dapat dalam RM88 1 set.

Power Bank: Yoobao 1300 mAh box

Kelebihan dia:

1) selepas charge penuh, saya boleh charge iPhone 4S sebanyak 5 kali
2) ade 2 USB port. maksudnya boleh charge 2 phone sekaligus
3) senang nak bawa ke mana mana
4) sesuai utk mereka yang selalu outstation
5) ade 5 indicator LED, nak tunjuk berapa byk lagi power yg ada
6) ade torch light kecik. boleh guna bila kecemasan

Power Bank: Yoobao 1300 mAh inside the box

Kesimpulannya:

1) Saya tak menyesal beli, memang sangat berguna
2) Sekarang tak perlu risau pasal battery habis.

Kalau nak baca panjang lg, boleh sambung dekat bawah

This huge 13,000 mAh power pack will give a smart phone about 6 to 7 charges without having to recharge the power pack. That's about 70 days of power in standby mode. You will be hard pushed to find any bigger backup battery.

It will also charge tablets such as iPads and Samsung Galaxy Note and Amazon Kindles. 

The dual USB ports allows you to charge 2 devises at a time.

Yoobao 13,000 mAh Thunder YB-651 has an over charge voltage protection, discharge over current protection, output over voltage protection, heavy protection, temperature control and protection of power conversion efficiency is generally above 90%.

It comes with UK plug with USB adapter and a full set of changeable connectors, so you can recharge:

Apple IPhone 3, 4, 4S, 5 HTC, Blackberry, Samsung Galaxy S2, Motorola, Nokia Smart phone and mobiles
iPad 2, iPad 2S, iPad 3, HTC Flyer, Blackberry PlayBook, Samsung Galaxy Tab, Kindle Fire, Motorola Xoom and most other tablets.
Amazon Kindle 2, Kindle 3, Kindle Touch and most other ereaders
PSP's, iPods, MP3 Players and digital cameras.

The long lasting high quality Li-ion battery cells will keep the power packed charged and ready for use where ever you are.

Ideal for camping, festivals, long journeys, travelling, flights and holidays.

Small, powerful and very portable, rechargeable universal power pack. 
Five LED indicators show battery’s real time capacity.
Classic design - very smart looking with usual Yoobao high quality finish.
LED Torch, lasts 510 hours
Power Pack can be recharging via USB, laptop USB port or normal wall socket.
With two outputs: 1 A and 2 A.


Device Type: Power Bank, Model: YB-651
Capacity: 13,000mAh
Input: 5V---1000mA; 
Output Port 1: 5V—1500mA (max)
Output Port 2: 5V—1000mA (max)

Adapter for UK
Standard: GB 4706.18-2005

What's in the Box:

YB-651 Power bank (13,000mAh)
Micro USB cable
Apple 30 Pin switch Micro connector
UK Plug with USB adapter
English user manual

Source: http://www.maikai.co.uk/en/yoobao-13-000-mah-thunder-dual-usb-portable-battery-pack-charger.html

8 Tips for Using Facebook Scheduled Posts

Are you crunched for time?

Could you use a little Facebook automation in your life? Well, help is here.

Facebook allows you to schedule your page posts.

Many people cheered this feature becauseFacebook’s EdgeRank algorithm and other quirks make using third-party tools likeHootSuite or SocialOomph for scheduling your posts less desirable than posting manually.

Let’s dig a little deeper and find out some of the nuances of using Facebook scheduled posts.

First, we will give you the steps to schedule your posts and edit them.

#1: How to Schedule Your Posts

Scheduling is easy—just follow these steps:

• Write your post as you normally would. You can attach photos, add links, add YouTube videos, add tags to other pages and events or just include regular text.
  

  Type your post as you would normally.

• In the lower-left corner of your post, click on the clock symbol as shown in the screenshot above. You can now add the year, month, day and time you want the post to go out.
  

  Add the date and time you want your post go out.

Notice that you can also backdate your posts to supplement your Timeline if you wish (more on that later).

You can schedule your post up to 6 months in the future (more months are shown, but if you select more than 6 months out, Facebook won’t accept it). You canschedule the minutes at 00-, 10-, 20-, 30-, 40- or 50-minute marks of the hour. So if you need a post to go out specifically at 2:15 pm, you cannot set it.

• You can also add language and location targeting in your scheduled posts, just like you can in your regular posts. Just click on the Public icon and make the necessary adjustments.

• Once you have everything set, just click the blue Schedule button. Voilà! Now just remember to circle back to your posts later after the scheduled time towatch for follow-up comments!

#2: How to Find and Edit Your Scheduled Posts

To see what you have scheduled and make any changes, just go to your activity log by accessing the admin panel at the top of your page (if you don’t see the admin panel, click the red admin panel button in the upper-right corner), then click Edit Page, and Activity Log. You then see all of your scheduled posts.

Use the activity log to find your scheduled posts.

View your scheduled posts.

If you need to edit your scheduled post, the only thing you can change from here is the time, unfortunately. To edit the text, you must cancel the post and redo your scheduling. To cancel or change the time, mouse over the upper-right corner of the post in the activity log.

You can only change the time or cancel the post and start over.

#3: You Can’t Schedule Everything

You can schedule links, photos, status updates and videos (although I found scheduling a video to be a bit buggy). You can also schedule a YouTube video link,which will attach as it normally does in your posts.

You can schedule a photo.

You can’t schedule some of the other types of posts as you can normally do from the publisher, such as photo albums, posting of events, questions, offers and milestones.

#4: You Can Backdate Your Posts

You can schedule things in the past. I’m not sure why you would want to use the backdating feature other than to fill out your Timeline a bit. But if you have a significant event that you want to post about in the past, I recommend a milestone post instead.

The interesting thing about backdating is that the post does go out into people’s news feed immediately and then is shown at the appropriate place on your Timeline.

The backdated post goes out immediately into the news feed with a note about when it was added into the Timeline.

#5: Scheduled Posts Won’t be Automatically Tweeted

If you have linked your Twitter account to your Facebook page by setting up www.Facebook.com/Twitter so that everything you post on Facebook gets tweeted (yes, we know that it’s not always a great idea but sometimes it isn’t terrible), be aware that your scheduled posts won’t go out to Twitter.

So if you rely on your Facebook page to supplement your tweets and you move to more scheduled posts, you will have to schedule your tweets with a different tool.

#6: Scheduling Posts Can Bring about More Engagement

What can you expect when you schedule posts? It depends on your baseline right now with your Facebook page—how often you are posting, how engaged your audience is, what you are posting and other factors.

One thing that scheduling can do for you is allow you to post more regularly andincrease your posting without spending all day on your Facebook page.

Randi Thompson of How to Market Your Horse Business (and an active member of our Social Networking Clubs) tried an experiment where she upped the number of posts by using scheduled posts on two of her pages.

On her How to Market Your Horse Business page, she went from posting 3 times a day to posting every 3 hours and 5 times a day. Then she had another page, Horse and Rider Awareness, where she was not posting regularly at all. She tried scheduling 3 quality posts per day. Here are her results over a 5-day period.

Using Scheduled posts to increase post frequency helped increase engagement.

Now of course this is not a comprehensive study. And this could be done without scheduling posts. But the point is that scheduled posts can make things easier for you so you can batch your work, know that things are being posted at the times you want and you can get on with other parts of your business. I encourage you to try some experiments with scheduled posts on your page and see how things work for you.

And again, make sure you circle back to these posts to follow up on comments!

#7: Scheduled Posts are not Identified or “Punished” in Facebook

When you post from a different scheduling tool such as HootSuite or BufferApp, people can see that you’re posting through a different tool. But Facebook’s scheduled posts are seamless.

The posting tool appears under the post.

Using a different tool to post to Facebook is not all bad. Sometimes it’s much better to save yourself a little time and get the post out with the tool you’re using rather than not post at all.

But Facebook has been known to show posts using third-party tools a little less in the news feed or collapse them. As of this writing, I believe third-party tools are faring well in Facebook. But we all know how Facebook changes.

#8: Scheduled Posts May be Coming to Personal Profiles

The option does appear to schedule a Facebook post on personal profiles, which may be a good thing for people who are using their personal profiles to talk about business. But as of this writing, I could not schedule anything into the future, only for today or in the past.

Not everyone will see big changes by scheduling posts. You still have to deliverengaging Facebook content. But what scheduled posts can do is free up some of your time by allowing you to batch your social media posts into blocks and give you more time to focus on your business.

What are your thoughts? Have you been using scheduled posts? What results have you seen? Tell us in the comments section below!

Source: http://www.socialmediaexaminer.com/facebook-scheduled-posts/