Kedai Online Yang Tipu

Sumber – August 19, 2013
Posted in:
Informasi, Kewangan, Tips Post ini telah dilihat sebanyak 4,422 kali
di Nuffnang Ads

Sila rujuk senarai nama kedai atau business online yang menipu ni jika anda kerap melakukan pembelian di internet. Malaysia sebenarnya masih mundur dalam hal pembelian barang secara online kerana masih ramai yang menipu dan menjadi mangsa tipu.

Tak seperti Korea. Kebanyakan perniagaan mereka adalah secara talian. Penghantaran on the spot adalah antara yang terbaik. Sebab itu mereka mampu maju dalam masa yang singkat. Tapi di Malaysia masih ramai makhluk yang mengambil kesempitan di atas kecanggihan teknologi. Macam mana Malaysia nak maju kalau berniaga pun tipu orang. Untung nak cepat. Kalau perniagaan orang lain maju, mulalah nak sabotaj. Adeh..

Bagi pembeli, sebaik-baiknya lihat testimoni atau komen pembeli yang lain dulu samada beliau peniaga yang boleh dipercayai atau tidak. Kalau takde testimoni sila tinggalkan. Dalam Islam pun ada kata; kalau was-was elok tinggalkan.

Berikut adalah antara nama kedai online di Malaysia yang menipu ramai pembeli. Harap berjaga-jaga:

1 ) Az Iman
Report by many people, payment made but nothing have been deliver. Gambar ambil dari google

2) Assyaima Collection
Report by Siti Suhaila , order barang lain tapi dapat barang lain. Bila sms tak reply

3) Kartisha Little Bizhub
Report by Zetty Ezhard , beli perfume last year, kata authentic tapi rupanya fake. Bau macam sabun, bila email balik tak reply. No telefon tak provided

4) Jason / Ah keong / YU KAM LEAN
Report by many people , jual gadget. Sell BB for rm500 end up semua customer dia tak dapat apa2. Memang ramai dah kena. More than RM10k ++ Please beware

5) Imaya Gadget @ Anisah Derahman (kutu gadgets)
Report by Laksamana Cheng Ho , 4 bulan tak dapat barang, dia just refund RM300 and balance until now tak settle. Post kat wall dia block.

6) Wawa Najwa ZK’nas Lens
Report by Cik N Syuhada , until now tak refund duit

7) Yanti Shaterz
Report by many people, mak kutu yang makan duit haram

8 ) Babyrina
Report by Nik Norazne , ramai dah kena tipu and dia ada byk FB.

~ http://www.facebook.com/princess.babyrina
~ http://www.facebook.com/reena.colections
~ http://www.facebook.com/profile.php?id=100002641425341
~ http://www.facebook.com/lolypopprincess.reena
~ http://www.facebook.com/profile.php?id=100003265896181&ref=ts

9) Coachbagz wonderland
Report by Nurliza Eirlina , jual handbag dari luar negara, dah bayar depo last year but until now barang tak sampai. Email and inbox dia bagi alasan kena tipu dengan supplier tapi sampai sekarang masih active berniaga.

10 ) Katty Eng
Report by Nurul Shahida Syabil , RM130 sampai sekarang tak refund. Barang tak sampai. Now dah block orang

11) Set Nona Roguy
Report by Siti Hajar , dia jual set bersalin. Nama kat akaun maybank Nur Shuhada Ishak. Ramai dah terkena

12) Thalia Amanie @ Juliana Sulaiman
Report by many people , main kutu yang makan duit orang.
More details :
FULL NAME —> JULIANA SULAIMAN
NO IC —> 870207495266
NO HP —> 017656278
NO ACC —> CIMB ACC ( 1222-000-3976-201)
ALAMAT —> NO 9,PANGSAPURI SERI NIPAH,OFF TMN PINGGIRAN USJ 4760
SBG JAYA SELGR

13) KIKI GAJET @Muhammad Shaz
Report by Nora Madi Norazmadi , dah bayar deposit RM400, terus kena block. Number phone 0174643265

14 ) Buabuai Buaian cukur Jambul
Report by Love Haikal , duit dah bayar, video tak dapat, fb diblock, call and sms tak layan. Kena pada 13 nov 2011. no phone 01935335784

15) Rainbow House @ Chong Kar Ying
Report by Teia Zakariah , beli lens tak dapat lagi.

16) Koleksi Kpop Eshop @ Norfazilawati Binti Jefferi 01112026208
Report by Faten Suhana and Deana Abdullah , beli 2 baju tapi tak dapat2 lagi sampai sekarang

17) Jualan Mega @ Sarah by Mohd Jamaian
Report by Nabela Dyana , beli ypad budak 30pcs and iphone 4s mainan budak until now tak dapat lagi

18) Door to Door @ Sharifah Nuzaihan Syed Fisol
Report by Amna Nafeesa II , dia jual gadget murah. Sampai sekarang tak dapat. Total loss RM6K.

19) Lens Collections
Report by Chibbi Maruko , total RM345. tak pulangkan lagi duit sampai sekarang.

20 ) Nor Aymylia Bt Normazlin
Report by Puan Ain Juih , beli samsung galaxy tab tapi dapat tablet china. Ramai dah terkena dgn dia. Total loss RM1.6k

21) Nellisa Abd Rahman
Reported by many people , mereka jual barang2 baby , susu dan diapers, barang tak pernah sampai ramai dah tertipu

22) Bee florian @ Aizan Fong Abdullah
Reported by many people, dia ni memang dah bertahun tahun terkenal dengan menipu. Kalau cari fb dia memang dah takde so just beware dengan nama dia tu.

23) Rosidah Abdullah
Reported by many people , dia ni suka buka kedai tiru nama kedai seller lain so nanti customer akan keliru. So just beware dengan nama dia bila nak buat payment nanti.
Maybank 163091006206 , hp 01114990713 / 01114944617

24) Butik Beg Tangan Berjenama @ Wan Syazwani maybank 158305218738
Reported by many people, fb dia pun dah hilang sekarang. Dapat duit terus senyap then deactivate fb.

25) Adayana Perfume @ Syahidan Ahmad
Reported by many people, after payment barang tak sampai. Macam2 alasan diberikan.

26) Kedai Gadget @ Faizah binti Md Rejab
Reported by many people , kutu gadget dan jual ada jual gadget tapi kalau dah bayar jgn harap barang akan sampai.
DIA MASIH ACTIVE DI LUAR SANA PLEASE BEWARE.Ni no dia 0179895662

27) Korean Sweety Eye
Reported by many people, after payment dia akan block dari msg/wall

28) Kedai saya @ Mohd Syazamie
Reported by Aina Jessturaya, orang tu mengaku diri pekerja court mammoth penang and jual barang murah & ansuran. After masukkan duit dia akan block terus. Tracking number yang tipu dia bagi

29) Babydynas Collections & Babydynas Kutu Frenz
Reported by many people, ada few people je yang dapat refund dari dia. Yang lain semua dia kebas duit. Senyap sampai sekarang

30) Aida Isyhaidar @ Norhaida bt Jamaludin
Reported by Princess Davinci , dia ni kutu jam. Duit lesap

31) Kedai Sri Mawar @ Azizah Bt Bakar from Bachang Utama
Reported by Siti Qis Junior , peniaga emas. After dah dapat duit dia block customer.

32) Blackberry Hotshop @ Maria Ariffa Mazlan
Reported by Lynn Domo, customer mintak COD, dia setuju tapi dengan syarat bayar deposit RM500. bila yang nak jumpa, dia tak datang. Call tak jawab.

33) Tudung Abu Dhabi
Reported by 5 people, service lambat. Ada yang dapat after 2 week dah bayar itu pun after dah push and bagi warning.

34) Kasih Damia Shoppe / Kasih Damia Collections
Reported by Ros Zaiha , owner kedai ni nama Suhaila. Beri alasan macam2, barang sampai kesudah tak dapat.

35) Lim Anna
Reported by many people, boleh tengok dekat photos posted by Poisonous apple, dia print screen orang2 yang bagi wall post mintak refund money and post barang.

**silakan kongsikan kepada semua yer? semoga menjadi panduan kita supaya lebih berhati2.. InSyaALLAH.....

**kalau ada yg rakan2 tahu lagi atau ada pengalaman.. sila komen untuk kongsikan kepada semua kat sini....

7 Easy Ways to Boost Your Productivity

Feeling overworked, overwhelmed and overloaded? You have way more control over your time and productivity than you realize.

We're always complaining about how little time we have and how overwhelmed we are. We whine about all the interruptions and communication overload. We spend all sorts of time reading books and searching for ways to improve our time management and personal productivity. It's ironic, I know.

Well, get this. Most of your productivity drain is your own doing. You give in to social media distraction because you crave a quick fix for attention. You spend too much time in your inbox because it makes you feel important. You waste ridiculous amounts of time doing things that don't really matter because you choose to do them.

You know what you need to do: Work. Provide for yourself and your loved ones. And you know what matters in life: Having fun. Spending time with family and friends. So do all that. Don't do the other stuff, or at least separate them so you're aware that you've chosen to waste your time.

Here are seven ideas to help you get started:

1. Don't tweet during the day. I don't know about you, but for me, alcohol is off limits until after 5. Why? Because it destroys your productivity. Well, guess what? So does social media. Do your tweeting, blogging, posting, status updating, whatever, after work, like while you're watching the tube.

2. Quit organizing. You know all those different methods for organizing stuff like your emails and files? I've never done any of that. Okay, maybe I do a little, but the absolute minimal amount. I have the biggest email inbox you've ever seen. It goes back years. So what? You need to find something? Use search. PC isn't good enough? Get a Mac.

3. Use hard stops. I had a lunch meeting the other day. At the start, my associate announced that he had a hard stop at 2pm. That drove the meeting. And guess what? We were done at 2. It's called a deadline. Deadlines force discipline. That's why deadlines work. Use them.

4. Don't do more; do less. It's called prioritization. You know, what we all used to do before self help, time management, and personal productivity became big business. Decades ago I learned to classify To Dos as priority A (time critical), B (important), or C (everything else). When your As are done, take on the Bs. After a few years you learn that you never get to the Cs. And you know what? It never matters.

5. Learn to say no and never say maybe. I like getting attention. I like helping people. It's always been a big motivator for me. When I realized that saying no was a bigger disappointment for me than it was for whoever was asking me to do something, it got easier to say. Don't know what to say no to? If it's not a goal, a priority, important, or fun, say no. And never say maybe. That's just being controlling and self-important.

6. Mute your devices. When you're supposed to be working and getting things done, close your email application or mute your PC or Mac so you don't hear the chime. Ignore that tug to respond right away to every request. If you really want to do it right, set aside a small chunk of time the same time every day to email. Also, never answer a call unless you're expecting it or have time for it. Even if it's your boss.

7. Work at home. Most executives spend their days in meetings. Carving out significant chunks of time to get any real work done is a challenge. So I got in the habit of doing presentation and budget work at home. A lot of my strategizing and thinking, too. If you've got young kids running around, though, that can make it tough.

Here's the thing. What used to be our priorities, the things that made our careers successful and fulfilling, our lives meaningful and happy, have somehow become optional.

The long term benefits that come from working, playing, thinking, feeling, exercising, eating right, and sleeping, now take a backseat to the instant gratification of distraction, addiction, self-importance, attention seeking, and minutiae.

To fit all that in, our lives have become overloaded and overwhelming. It doesn't have to be that way. You set the priorities. You make the choices. You have way more control than you realize.

Daily Habits of Wealthy People

If you think becoming rich is about luck, think again. It may have more to do with how you spend your day, beginning with the hour you wake up.
 
Financial planner Tom Corley spent five years observing more than 350 “rich” and “poor” people, how they live, work and even sleep and captured them all in his book, "Rich Habits: The Daily Success Habits of Wealthy Individuals." He defined “wealthy” as earning at least $160,000 annually and holding at least $3.2 million in assets. “Poor” was income under $30,000 a year and less than $5,000 in assets. 
 
Also See: 5 Signs You May Be Broke in 10 Years
 
“I realized, it’s not so much what’s going on in business, it’s the daily habits, the activities, that are the reason for your wealth or your poverty,” says Corley.
 
Early Risers

Corley found that rich folks often take advantage of those wee morning hours. Specifically, 44% wake up three hours before their 9-to-5 job. In those hours they focus on self improvement, reading educational material, like trade journals or industry blogs. They’ll squeeze in a workout, too, which Corley says leads to a more productive day at work.
 
Keep a Running List of Tasks
Once they reach their offices, the wealthy don’t waste time. Most maintain a daily to-do list and check off 70% of their tasks each day. And they’re not just obsessed with short-term plans. Seventy percent of the wealthy surveyed set long-term goals, as well.   
 
Also See: 5 Ways Greed is Good
 
No Long Lunches

Taking a long, leisurely lunch isn’t a wealthy habit, either.  Instead, 55% network, wheel and deal between bites.  
 
Calorie Counting

Speaking of eating, rich folks are big calorie counters. Corley found most wealthy people limit alcoholic consumption and keep junk food snacks to just 300 calories per day, not just so that they can fit into their skinny jeans. “Wealthy people are healthy people. To wealthy people being healthy is about making more money,” says Corley.  “If they’re healthy they have fewer sick days, they’re exercising, they have more energy, they maintain health their entire lives so they can work longer careers.”
 
Also See: How We Got Out of $50,000 Worth of Debt in One Year
 
No Gossiping

Consider this before spreading the latest workplace rumors: 79% of low-income people admit to gossiping, compared with just 6% of wealthy individuals.
 
Limited Internet

Finally, when it’s time to punch out at the end of the day, how do you unwind? Head to the bar? Veg out in front of the TV? While most wealthy folks reported activities such as networking, volunteering and socializing, Corley found a majority of those struggling with their finances spent more than an hour on recreational Internet use, and were twice as likely to hop on Facebook every day.
 
What’s your most financially fit daily habit? Connect with me on Twitter @Farnoosh and use the hashtag #finfit. 

The Power of Mornings: Why Successful Entrepreneurs Get up Early

When running a business, it may seem like there are never enough hours in the day. Tapping into the power of mornings, a time of day when there are less demands, might be the key to increasing yourproductivity.

For 15 years, Starbucks President Michelle Gaas has set her alarm for 4:30 a.m. to go running. Gretchen Ruben, popular author of The Happiness Project (Harper Perennial, 2011) wakes up at 6 a.m. and works for an hour before her family rises. Time-management expert Laura Vanderkam highlights what makes mornings special and how we can use them more efficiently in her book What The Most Successful People Do Before Breakfast (Portfolio Trade, 2013). Here are a few benefits to getting out of bed earlier. 

You are less likely to get distracted in the morning. An entrepreneur's day fills up fast. If you wait until the afternoon or evening to do something meaningful for yourself such as exercising or reading, you’re likely to push it off the to-do list altogether. “There are going to be reasons why you can't tackle a personal priority at 4 p.m. -- things have a lot less likelihood of coming up at 6 a.m.," says Vanderkam.

You have more willpower early in the day. Even if you aren't a morning person, you may have more willpower in the early hours than later in the day. "Willpower is like a muscle [that] becomes fatigued with over-use," says Vanderkam. During the course of the day as you're dealing with difficult people, making decisions and battling traffic, you use up your willpower, leaving you feeling depleted toward the end of the day.

Mornings give you the opportunity to set a positive tone for the day. If you've ever slept in past your alarm clock or forgotten your kids' lunches on the counter, you know that starting off the day with a failure can bring down your mood and affect your productivity at work. Vanderkam says waking up earlier allows you to start the day with a victory and set the tone for a happier and more productive day.

Related: What Successful People Eat for Breakfast

If the thought of waking up at sunrise makes you cringe, Vanderkam recommends these four steps to transform even a habitual night owl into a morning person.

1. Keep a time journal. Vanderkam says one of the reasons people say they don't like mornings is that they stay up too late. She recommends keeping a time journal for a week to show where you may be using your time inefficiently. Vanderkam finds when many self-professed night owls look at their time journals, they often find they aren't spending their evening hours productively or doing anything particularly enjoyable.

2. Imagine your perfect morning. Imagine what you would do if you had an extra hour in the day. Would you exercise? Read the newspaper rather than simply skimming the headlines? "[Getting up earlier] isn't about punishing yourself. You will not get out of bed if you don’t have a good reason to do it," says Vanderkam.

3. Plan your morning. Once you have decided what you want to do with your extra time, plan how to execute it, and set as much up as possible the night before. For example, if you want to exercise in the morning, lay out your clothes the night before, or gather the ingredients for your breakfast.

4. Build the habit slowly. Vanderkam says you will likely hit the snooze button and sleep in if you try to switch your habits drastically. So instead of setting your alarm for 5 a.m. when you normally get up at 7: 30 a.m. set the alarm for 10 minutes earlier each day. To make sure you don't lose sleep, go to bed 10 minutes earlier each night. If you have trouble hitting the sack on time, set a bedtime alarm.

21 Ways Rich People Think Differently

World's richest woman Gina Rinehart is enduring a media firestorm over an article in which she takes the "jealous" middle class to task for "drinking, or smoking and socializing" rather than working to earn their own fortune.

What if she has a point?

Steve Siebold, author of "How Rich People Think," spent nearly three decades interviewing millionaires around the world to find out what separates them from everyone else.

It had little to do with money itself, he told Business Insider. It was about their mentality.

"[The middle class] tells people to be happy with what they have," he said. "And on the whole, most people are steeped in fear when it comes to money."

Flickr / C. Pajunen1. Average people think MONEY is the root of all evil. Rich people believe POVERTY is the root of all evil.

"The average person has been brainwashed to believe rich people are lucky or dishonest," Siebold writes.

That's why there's a certain shame that comes along with "getting rich" in lower-income communities.

"The world class knows that while having money doesn't guarantee happiness, it does make your life easier and more enjoyable."

2. Average people think selfishness is a vice. Rich people think selfishness is a virtue.

"The rich go out there and try to make themselves happy. They don't try to pretend to save the world," Siebold told Business Insider.

The problem is that middle class people see that as a negative––and it's keeping them poor, he writes.

"If you're not taking care of you, you're not in a position to help anyone else. You can't give what you don't have."

Getty Images3. Average people have a lottery mentality. Rich people have an action mentality.

"While the masses are waiting to pick the right numbers and praying for prosperity, the great ones are solving problems," Siebold writes.

"The hero [middle class people] are waiting for may be God, government, their boss or their spouse. It's the average person's level of thinking that breeds this approach to life and living while the clock keeps ticking away."

4. Average people think the road to riches is paved with formal education. Rich people believe in acquiring specific knowledge.

"Many world-class performers have little formal education, and have amassed their wealth through the acquisition and subsequent sale of specific knowledge," he writes.

"Meanwhile, the masses are convinced that master's degrees and doctorates are the way to wealth, mostly because they are trapped in the linear line of thought that holds them back from higher levels of consciousness...The wealthy aren't interested in the means, only the end."

I Love Lucy screencap5. Average people long for the good old days. Rich people dream of the future.

"Self-made millionaires get rich because they're willing to bet on themselves and project their dreams, goals and ideas into an unknown future," Siebold writes.

"People who believe their best days are behind them rarely get rich, and often struggle with unhappiness and depression."

6. Average people see money through the eyes of emotion. Rich people think about money logically.

"An ordinarily smart, well-educated and otherwise successful person can be instantly transformed into a fear-based, scarcity driven thinker whose greatest financial aspiration is to retire comfortably," he writes.

"The world class sees money for what it is and what it's not, through the eyes of logic. The great ones know money is a critical tool that presents options and opportunities."

7. Average people earn money doing things they don't love. Rich people follow their passion.

"To the average person, it looks like the rich are working all the time," Siebold says. "But one of the smartest strategies of the world class is doing what they love and finding a way to get paid for it."

On the other hand, middle class take jobs they don't enjoy "because they need the money and they've been trained in school and conditioned by society to live in a linear thinking world that equates earning money with physical or mental effort."

8. Average people set low expectations so they're never disappointed. Rich people are up for the challenge.

"Psychologists and other mental health experts often advise people to set low expectations for their life to ensure they are not disappointed," Siebold writes.

"No one would ever strike it rich and live their dreams without huge expectations."

BarackObamadotcom via YouTube9. Average people believe you have to DO something to get rich. Rich people believe you have to BE something to get rich.

"That's why people like Donald Trump go from millionaire to nine billion dollars in debt and come back richer than ever," he writes.

"While the masses are fixated on the doing and the immediate results of their actions, the great ones are learning and growing from every experience, whether it's a success or a failure, knowing their true reward is becoming a human success machine that eventually produces outstanding results."

10. Average people believe you need money to make money. Rich people use other people's money.

Linear thought might tell people to make money in order to earn more, but Siebold says the rich aren't afraid to fund their future from other people's pockets.

"Rich people know not being solvent enough to personally afford something is not relevant. The real question is, 'Is this worth buying, investing in, or pursuing?'" he writes.

11. Average people believe the markets are driven by logic and strategy. Rich people know they're driven by emotion and greed.

Investing successfully in the stock market isn't just about a fancy math formula.

"The rich know that the primary emotions that drive financial markets are fear and greed, and they factor this into all trades and trends they observe," Siebold writes.

"This knowledge of human nature and its overlapping impact on trading give them strategic advantage in building greater wealth through leverage."

12. Average people live beyond their means. Rich people live below theirs.

"Here's how to live below your means and tap into the secret wealthy people have used for centuries: Get rich so you can afford to," he writes. 

"The rich live below their means, not because they're so savvy, but because they make so much money that they can afford to live like royalty while still having a king's ransom socked away for the future."

richkidsofinstagram.tumblr.com13. Average people teach their children how to survive. Rich people teach their kids to get rich.

Rich parents teach their kids from an early age about the world of "haves" and "have-nots," Siebold says. Even he admits many people have argued that he's supporting the idea of elitism.

He disagrees.

"[People] say parents are teaching their kids to look down on the masses because they're poor. This isn't true," he writes. "What they're teaching their kids is to see the world through the eyes of objective reality––the way society really is."

If children understand wealth early on, they'll be more likely to strive for it later in life.

14. Average people let money stress them out. Rich people find peace of mind in wealth.

The reason wealthy people earn more wealth is that they're not afraid to admit that money can solve most problems, Siebold says.

"[The middle class] sees money as a never-ending necessary evil that must be endured as part of life. The world class sees money as the great liberator, and with enough of it, they are able to purchase financial peace of mind."

Kim Bhasin / Business Insider15. Average people would rather be entertained than educated. Rich people would rather be educated than entertained.

While the rich don't put much stock in furthering wealth through formal education, they appreciate the power of learning long after college is over, Siebold says.

"Walk into a wealthy person's home and one of the first things you'll see is an extensive library of books they've used to educate themselves on how to become more successful," he writes.

"The middle class reads novels, tabloids and entertainment magazines."

16. Average people think rich people are snobs. Rich people just want to surround themselves with like-minded people.

The negative money mentality poisoning the middle class is what keeps the rich hanging out with the rich, he says.

"[Rich people] can't afford the messages of doom and gloom," he writes. "This is often misinterpreted by the masses as snobbery.

Labeling the world class as snobs is another way the middle class finds to feel better bout themselves and their chosen path of mediocrity."

Flickr / Wei Tchou17. Average people focus on saving. Rich people focus on earning.

Siebold theorizes that the wealthy focus on what they'll gain by taking risks, rather than how to save what they have.

"The masses are so focused on clipping coupons and living frugally they miss major opportunities," he writes.

"Even in the midst of a cash flow crisis, the rich reject the nickle and dime thinking of the masses. They are the masters of focusing their mental energy where it belongs: on the big money."

18. Average people play it safe with money. Rich people know when to take risks.

"Leverage is the watchword of the rich," Siebold writes.

"Every investor loses money on occasion, but the world class knows no matter what happens, they will aways be able to earn more."

Flickr / Ibrahim Iujaz19. Average people love to be comfortable. Rich people find comfort in uncertainty.

For the most part, it takes guts to take the risks necessary to make it as a millionaire––a challenge most middle class thinkers aren't comfortable living with.

"Physical, psychological, and emotional comfort is the primary goal of the middle class mindset," Siebold writes.

World class thinkers learn early on that becoming a millionaire isn't easy and the need for comfort can be devastating. They learn to be comfortable while operating in a state of ongoing uncertainty."

20. Average people never make the connection between money and health. Rich people know money can save your life.

While the middle class squabbles over the virtues of Obamacare and their company's health plan, the super wealthy are enrolled in a super elite "boutique medical care" association, Siebold says.

"They pay a substantial yearly membership fee that guarantees them 24-hour access to a private physician who only serves a small group of members," he writes.

"Some wealthy neighborhoods have implemented this strategy and even require the physician to live in the neighborhood."

Getty Images21. Average people believe they must choose between a great family and being rich. Rich people know you can have it all.

The idea the wealth must come at the expense of family time is nothing but a "cop-out", Siebold says.

"The masses have been brainwashed to believe it's an either/or equation," he writes. "The rich know you can have anything you want if you approach the challenge with a mindset rooted in love and abundance."

From Steve Siebold, author of "How Rich People Think."

How to Get Rich

By Woman's Day | Financially Fit – Tue, May 8, 2012 6:24 PM EDT

pile of moneyBy Daisy Chan

Self-made fortunes all begin the same way: with a good idea and some startup cash. Steal these savings tips from three millionaires who made a little into a lot.

Winning the lottery is everyone's fantasy, but the better bet is on a plan that relies more on pluck than luck. "You can become wealthy if you're disciplined, consistent and patient," says Andrew Hallam, who pulled it off on a teacher's salary. These qualities are especially important when you're starting out and trying to save the money needed to get your business idea (or investment strategy) off the ground.

To help you take the first steps, we asked three millionaires-none of whom were born that way-to share how they saved the money that launched their fortune. As you'll see, it's not only the rich who get richer. Photo credit: Thinkstock 
Super-Saver Tips: Joyce Bone

Cofounder of EarthCare and author ofMillionaire Moms

SAVED: $10,000

WHAT SHE DID WITH IT: Started an environmental waste management company that became a $125 million business. Photo credit: Picassa

"We were living off my husband's salary when he and I decided that we needed to get serious about saving if we were ever going to realize our dream of me owning my own business. So I began tracking our money like it was my job. I carried a notebook everywhere I went, wrote down each purchase and tallied up the total at the end of the day. That way, I knew exactly if and where I'd overspent, and I would cut back accordingly.

"I also carefully went over our bank and credit card statements each month. Mistakes happen. Once the bank put a $2,500 deposit in someone else's account instead of ours. And several times, I saw that the credit card company had charged us a late fee when we were only a day late. Each time, I called right away and was able to get them to rescind the fee.

"But it wasn't all bean counting-my husband and I also made sure to have fun. Our cheapest date nights cost $5. We'd get my mom to babysit, go to the $1 movie theater and have dinner at Costco-a hot dog and Coke for $1.50." Enjoy date night without spending a fortune.

Super-Saver Tips: Andrew Hallam

High school teacher and author of Millionaire Teacher

SAVED: $100-$300 a month throughout college

WHAT HE DID WITH IT: Invested in mutual index funds and some individual stocks, eventually amassing $1.5 million. Photo credit: Daemon Baizan

"When I was in college, I remember wanting to save $4,000 a year. That was huge-and what I actually started out saving was $1,200 per year. But having a goal, writing it down and keeping the piece of paper where you can see it every day are key. It keeps you committed and accountable, so you're more likely to stick with your program. When I was coming up short, I'd take extra jobs I wouldn't normally have been motivated to take, like washing buses and mowing lawns. Seeing that number in black and white increased my commitment and spurred me to stick with the program. When I reached my goal, it felt awesome.

"Even now, my wife, who is also a teacher, and I write down a savings goal every year. We aim to save 50% of our salaries, post-tax. Besides things like skipping cable TV and not buying the latest tech gadgets, we save a ton by being mindful of how we socialize. For example, we have certain friends who always like to eat out. If we tried to keep pace with them, we wouldn't save nearly as much money. So when getting together with those friends, we ask them to come to our house for dinner instead. Similarly, when we go on vacation with friends, we avoid the big spenders and travel with frugal people."
Discover 17 things you can get for free.

Super-Saver Tips: Dani Johnson

Owner of five businesses, author of First Steps to Wealth and mom of five

SAVED $5,000

WHAT SHE DID WITH IT Bought weight loss shakes and supplements to sell. Within two years she made her first million.

"Twenty years ago, I was homeless, literally living out of my car. I couldn't afford food, let alone gasoline, and my 4-year-old daughter was staying with family. I would go on dates in order to eat!

"One day, I looked in the back seat and noticed some leftover products for a weight loss program I used before I had hit such hard times. It occurred to me that if I could sell these products and collect payment before, rather than after delivery, I'd have instant cash flow, which I desperately needed.

"So I made a flyer, copying the ad, and posted it at a local post office. Forty people answered that first flyer, and with the $5,000 I got from charging them the retail price, I bought enough products, paying wholesale, to fill my orders and have extra to sell. (I sold the products from the trunk of my car!) I continued to buy and sell that way, reinvesting the original seed money and much of the profit, attracted more and more customers, and grew my business that way.

"But a decade later, when I had a family and could afford a beautiful 6,000-square-foot house, I got myself into debt because I was overspending. To save, I cut way back on all kinds of purchases, including groceries. I used to spend $300 a week at the supermarket, but I've cut it down to $100. Now I always shop with a list; without one, you tend to buy more. I also plan seven days' worth of lunches and dinners at a time, so I can shop just once a week. I save on gas, and I have fewer chances to make an impulse purchase at checkout.

"I try to stick to a regular supermarket, too. In a big-box store or a price club, there's so much that you never knew existed, and all of a sudden you have to have it! You end up buying more and more.

"And I'm always on the lookout for the cheaper alternative. For instance, instead of paper towels, I use a rag. It does the job just fine."
See more helpful work and money tips.

Keep Your Cash

To control spending, get a grip on your mail. Three out of four Americans say they've made purchases based on a direct mail solicitation; nearly 60% say an email has persuaded them to buy. So make the call-or hit reply-and ask to be removed from the mailing list today! SOURCE:DailyWorth.com Photo credit: Getty Images Cash in on your old clutter.

Original article appeared on WomansDay.com.

40 Under 40

by Fortune staff
Thursday, October 20, 2011

They're the hottest young stars in business across the globe. They're innovators, disrupters, and job creators; in fact, it's a pretty safe bet you're going to be working for them someday — if you aren't already! They're in technology, yes, but also in movies, music, athletic wear, and even curry-flavored chocolate. And the scary thing is they're just getting started.
1. Mark Zuckerberg

Photo: David Yellen

Founder and CEO, Facebook
Age: 27
Industry: Technology
This may have been the year your grandmother joined Facebook. The Harvard dropout and tech wizard is a household name, thanks in part to The Social Network, but the real-life script is still being written. In 2011 his baby hit 800 million users and was valued at $50 billion, setting the stage for a monster IPO to come. The company also partnered with Skype and redesigned key parts of its service, leading to the usual temporary backlash.
On the hunt: Zuck made headlines earlier this year when he told Fortune his goal for 2011 was to eat only animals he had personally killed.
2. Larry Page

Courtesy: Google

Co-founder and CEO, Google
Age: 38
Industry: Technology
Since retaking the reins at Google last April, the introverted Page has won praise for making some fast decisions — and big acquisitions. He's cut back on nonessential projects, while plowing resources into Facebook competitor Google. Ad-driven revenue is stronger than ever — in July the company reported record-breaking quarterly earnings. But with nearly 30,000 employees across some 30 countries, steering the search giant back to its nimbler roots won't be easy. Even Page recently admitted Google's biggest threat is, well, Google.
Net worth: Page is now worth some $17 billion.
3. Greg Jensen

Courtesy: Bridgewater

Co-CEO and co-CIO, Bridgewater Associates
Age: 37
Industry: Finance
Jensen's work overseeing research at the world's largest hedge fund (assets under management: $125 billion) has paid off. Bridgewater's flagship fund is up 25%, while many marquee names are losing money. Jensen also oversaw the rollout of the $10 billion fund Pure Alpha Major Markets in June. Jensen, who started at Bridgewater as an intern while at Dartmouth, believes the firm's unusual culture (articulated by founder Ray Dalio in the form of 300 self-help principles) is the key to the firm's success — and his own.

4. Aditya Mittal

Courtesy: ArcelorMittal

CFO, ArcelorMittal
Age: 35
Industry: Industrial
He's more than just the son of his company's billionaire founder: The finance whiz helped build the world's biggest steel group through acquisitions — and is now helping run it. This year he assumed responsibility for European operations, the company's largest division, and he just returned from the Arctic, where the company's new iron ore mine is one of billions of dollars' worth of new projects.
Media diet: He reads the state-controlled China Daily every day "to get perspective on how they are framing the news."
5. John Arnold

Photo: Centaurus Advisors

Founder, Centaurus Energy
Age: 37
Industry: Finance
The trading star who cut his teeth at Enron turned a talent for reading the notoriously fickle gas markets into an estimated $4 billion hedge fund fortune. He's bounced back from his first-ever down year, with his flagship fund up about 4%, and invests in natural-gas storage caverns and power plants, turning Centaurus into a diversified energy firm some have likened to a mini-Enron. Billionaire props include an art-filled modernist mansion in Houston and a foundation to support overhauling America's pension system.
Spare time: Arnold is said to be a Dave Matthews and U2 fan.
6. Brian Deese

Courtesy: National Economic Council

Deputy director, National Economic Council
Age: 33
Industry: Government
A driving force behind the auto bailouts, the Obama administration's most unalloyed win to date, Deese cemented his wunderkind status on the White House economic team by building the case against liquidating Chrysler. Now the Yale Law graduate claims an even bigger portfolio — ranging from Wall Street reform to housing finance — and the President's full attention. When Obama decamped for Martha's Vineyard in August, Deese went along to help him craft his new jobs plan.
Linguistic pet peeve: When people confuse "further" and "farther." ("Don't know why, but it drives me nuts.")
7. Daniel Ammann

Courtesy: General Motors

CFO, General Motors
Age: 39
Industry: Automotive
Last fall Ammann spent weeks on the road persuading investors to buy General Motors stock. Now he's working to keep them happy. The native New Zealander advised GM for years as a Morgan Stanley banker before taking over as CFO this spring. His job today: making sure the automaker stays profitable in any market — historically a tough task for GM. "We're off to a good start," says Ammann, who splits his time between Detroit and New York City; this year GM has earned $6.3 billion in a humdrum economy.
Least favorite business term: "End-to-end solution."
8. Jack Dorsey


Co-founder and executive chairman, Twitter; co-founder and CEO, Square
Age: 34
Industry: Technology
Dorsey's comeback is a classic Valley tale: After being ousted as CEO of Twitter in 2008, he returned to the company he helped found to lead product development (and clean house — four of Twitter's key product execs reportedly left in July). He continues to run Square, his hyper-hot mobile-payments startup, which has shipped more than 800,000 of its credit card readers and recently closed a $100 million round of funding, giving it a valuation north of $1 billion.
Relaxation technique: Dorsey is a big fan of going for walks; he also takes "microvacations," driving on Sundays to nearby Point Reyes or Big Sur.
9. Jeff George

Courtesy: Sandoz

Global head of Sandoz, Novartis
Age: 38
Industry: Consumer Products
Since joining Novartis in 2007, George, a former international-relations student and McKinsey consultant, has shot up the ranks at the Swiss pharmaceuticals giant. After stints in the company's vaccine and emerging-markets divisions, he was tapped in 2008 to lead Sandoz, the company's massive generics unit, whose $8.5 billion in revenue makes it the world's second-biggest generics operation after Israel's Teva. With George at the helm, Sandoz has posted double-digit revenue growth and made big gains in the field of biosimilars, or generic versions of complex drugs.
Stress reliever: Meditates each morning and runs three to four times a week.
10. Sid Sankaran

Courtesy: AIG

Chief risk officer, AIG
Age: 34
Industry: Finance
The financial crisis proved that AIG had no clothes — or at least no controls. Now it's up to Sankaran, a Canadian math hotshot (his degree from the University of Waterloo was in actuarial sciences) and former partner at consultancy Oliver Wyman, to make sure it doesn't happen again. Sankaran declined AIG at first; today, as chief risk officer, he oversees the billions flowing among disparate insurance operations and reports to CEO Robert Benmosche if something suspicious rears its head.
—Editorial package reported by Katie Benner, Scott Cendrowski, Betsy Feldman, Mina Kimes, Alex Konrad, Beth Kowitt, Collen Leahey, Michal Lev-Ram, Tara Moore, Tory Newmyer, Daniel Roberts, Christopher Tkaczyk and Anne Vandermey.