X6 dan Aku

Early last week, at 2.09am.

SMS from Kak Lin of Aziz CfP.

“Appointment CMS dgn En Aziz pada Jumaat 9 Oct 2009 7 pm di Putrajaya. Sila confirm. Jika cancel tiada date baru dapat dijanjikan”.

Dang, we’ve been waiting for the appointment since July. 3 months have lapsed, means no savings since Aziz specifically mentioned not to do any savings until the next appointment was to be secured. I was edgy. 3 months with no savings means opportunity lost for quite a sum. I need to grab this appointment, even though I only have 2.5 days left of annual leave, besides it’s only been October. I need to save my annual leave for the next 2 months, but Aziz’s appointment is like a much shinier golden chance. Well, need to sacrifice 0.5 days, means have to leave JB at half day noon Friday, nite time to come back since 10th Oct. is a second Saturday (working day). Entah bila lah company aku ni nak buat 5-day week….So, I replied the SMS – "OK, confirm Friday 7pm 9th October 2009".

1pm 9th Oct. 2009 – departed to Putrajaya.

We were thinking of what to tell Aziz and what not to tell Aziz. The last appointment we had with him was in April in JB, he screwed us like nobody’s business. All was because we did not follow his plan. I remember he said, “Kalau dah pandai sangat, buat sendirilah. Buat apa jumpa I”. Memang bisa yang amat. All the four letter words were uttered, until he had to go out from the room to cool himself. We were cool allright. We had come with good intention. From that moment on, we told ourselves, follow this plan if we want to succeed and make a change to our financial life.

Aziz’s consultation with the clients is by phases:
1. Pre-phase – attend his talk. The schedule and venue normally will be published in his website – ww.azizcfpx.com. Aziz used to have this talk all over Malaysia, but lately due to his health, he constricted it to Putrajaya and a few other major cities only.
2. Phase 1 – appointment no. 1 – Consultation.
This is when we explained to him all our assets, liabilities and aspirations. Tell him whether you’re on the CCRIS or CTOS list, insya Allah he will try to sort out the program for you. He would tell how much OD value to take and what credit card you need to supplement to ease the cash flow.
3. Phase 2 – appointment no. 2 – OD (Overdraft).
He would see whether you’ve done all the steps he’d asked you to do in appointment 1. In our case, he had asked us to re-finance the house, which I did not do due to stupid reason – I didn’t want to pay the penalty. And 1 major boohoo – we bought 2 cars. Tambah hutang. He was damned pissed. Memang patut kena screw kot. Here he will teach how the monthly cash flow will be like by using the OD as a platform and how to use the credit cards as supplements.
4. Phase 3 – appointment no. 3,4&5 – CMS (Cash Management System).
This is to see whether you have achieved the savings target, reduce debts and whatever plan that you may have.

5pm – arrived at Aziz’s Putrajaya office.

It was locked. Called and SMS Kak Lin, was told that they would come to the office around 7pm only. We decided to hang around that Presinct Diplomatic. Dropped by at the Putrajaya Visitor Center but the condition was so much to be desired. Imagine this:

Mr. X : Encik, tumpang Tanya, kat mana surau atau masjid terdekat kat area sini?
Security on Duty behind the counter (while packing up his bags) : Kat sini takdelah. Ada satu surau dalam café. Pegilah cari. Kami dah nak balik ni.

Apa punye servis daaaa….takut sangat aku nak tanya lelebih, nanti balik lewat bini marah kot….nama jer Visitor Center. Man, we are very far, maybe 20 years behind, to be a developed nation. Since the grand masjid of Putrajaya was very far from that precinct, we ended up fooling around at Alamanda.

6.30pm – waited for Aziz outside his office.

Suddenly around 7.10pm – this nice car passed by and was parked in front of us. Fuiyoooo… BMW X6 you….red color. See pix. Isn’t it nice?

The last time we saw him, he was driving a 5-series only. Man, this shows just how much he has made in such a short time (our later talk revealed that he had tripled his net worth in the last 3 years). Hmmm…

The Oct. 9th was our CMS session no. 1, means for appointment no.3. We were scared all right. First we need to assess how much we had done based on his checklist. OK, all were done. Then he asked about all the credit cards balance – to see whether we had used the cards as per the intended purpose or we had screwed up again by buying things not in his list. Nasib baik OK. Then he asked about savings, so this one was also fine. Phewww….bottom line – he was happy with our performance so far.

For next appointment, he wanted to see us to re-finance the houses. He told us nowadays there are many banks which can give better rates and thus, faster for us to settle all our housing loans debts. This will be our priority now.

8.30pm – left Putrajaya and headed back to JB.

Esok keje lah….tensen gua…actually aku ada jugak berangan kot2 nak tido kat Marriot Putrajaya ke, any other good hotels kat situ, but Mr.X was clever to navigate me back to where we belong - in the office tomorrow morning, dude.

Aziz shared some inspirational stories again. I don’t know about you, but any story about how to make money abundantly and spend it like nobody’s business is really inspirational to me. Among the most fascinating ones:

1. Aziz bought a RM1.5m bungalow in Presinct 10, Putrajaya, after Putrajaya Holdings couldn’t sell it for RM2m. Means he got RM0.5 mi discount for the house. He wanted us to follow the same concept. Find a house which is sold at below market value, buy it, stay there and then sell for much higher price. Now he owns 7 houses.

2. Aziz just bought 2 LV bags for his wife and daughter. Each costs RM9k. He even offered his daughter for the special edition LV for RM22k, but she refused. He said, “Imagine, pegi shopping without being worried of how much to spend? Sekali pegi shopping mesti habis RM20-30k”. Huhu…

3. Aziz asked Kak Lin to replace her Kembara driven to market everyday. He wanted to buy her a CRV, but she kept on declining. “Pegi pasar je lah”. But he kept on insisting. Until Kak Lin said, “OK, I want a CLK, 2 doors will be fine”. Then Aziz said OK.

4. He also shared why the rich are getting richer. Just like what Robert Kiyosaki wrote, there are just so many opportunities to get richer, but only opened to the rich. Unless you’re on that league, you can’t grab the opportunity. That’s why we must join the league.

5. Jangan lupa buat kebajikan, you’ll get it back in quadruple. Especially if you do good deeds to your family members. Aziz has some Standing Instruction done to help his nieces and nephews whose father had died. Noble action indeed.

Now I feel like I can’t wait to get on with the program, to see him for CMS 2,3,4,5 and so on. But bear with his time. Patience is the key.

Aziz likes to quote in his responses in forum – bukan senang nak senang. Remember that AJIT greatest challenge are – NAFSU, MASA DAN PERASAAN TAMAK. As long as you can control these 3 elements, insya Allah you’ll succeed.

Damn, the X6 was really an inspiration. I checked the tag - RM680,000.

Ikhlaskah itu?

Minggu lepas pelakon terkenal Umie Aida telah bertunang dengan lelaki pilihannya seorang Datuk. Dalam berita kata hadiah pernikahan dari pihak lelaki ialah apartment mewah di Mont Kiara bernilai RM3 juta. Rumah itulah yang dia buat majlis pertunangannya. Bila ditanya kenapa Umie memilih duda anak dua tersebut yang syarikatnya pernah menerbitkan buku 50 Dalil Kenapa Anwar Tak Boleh Jadi PM, Umie menjawab, “Kerana dia ikhlas dalam berkawan dengan saya”.

Ikhlaskah itu?

Kekadang bila gaduh dengan pasangan kita, ada jugak syaitan berbisik dan hati kita berkata, “Laki aku ni kalaulah lebih prihatin, penyayang, berkarisma, suka buat duit macam aku, kan ke best”..ada saja kekurangan pada suami yang kekadang buat kita wish - kalaulah….jadinya, cinta dan pengorbanan aku selama ni kiranya terhapus pahala kalau aku sebut mende mcm tu kan…

Ikhlaskah itu?

Bagaimana untuk kita ertikan perkataan ikhlas ni. Kalau kat surat, kita biasa tulis – Ikhlas Daripada, atau Yang Ikhlas, ini dalam kes surat cinta zaman dulu la kan…maknanya si penulis benar2 menulis dari hatinya yang tulus ikhlas. Ye ke?

Bila orang kata “Saya ikhlas berkawan dengan awak”, maknanya kalau aku ni masih bujang, boleh lah dia segera berjumpa orang tua aku dan masuk meminang. Boleh juga bermaksud, saya berkenan dekat awak kerana sifat mulia yang awak miliki, bukan kerana harta awak, atau condo awak, atau saham dan ladang2 yang awak ada. Saya akan terima awak seadanya. Maknanya saya akan fokus kepada kebaikan yang awak miliki, dan abaikan segala kekurangan, kerana saya faham saya juga ada kekurangan, dalam dunia ini tiada orang yang sempurna.

Tapi bila sudah hidup bersama, kekadang timbul juga persoalan. Kenapalah si dia ni tak berani buat keputusan macam ex aku dulu? Kalaulah dia ni ada sifat sekian-sekian, kan ke lagi best…this twist of feelings, if gone uncontrolled, can be detrimental to the relationship. Sebab aku sure si pasangan pun may have the same wish. Kalaulah bini aku jadik lebih relax, tak berapa serius, kalaulah bini aku ni pandai crack jokes macam orang tu, kalaulah bini aku ni pandai nyanyi suara sedap dan pandai main alat muzik, sure hidup aku lebih ceria, kalaulah….wah, giler banyak kekurangan sang bini ek. So, cinta si suami selama ini, ikhlas ke tak?

Sebab tu Dr. Fadzilah Kamsah pernah beri petua, kalau nak hidup bahagia dengan pasangan, sentiasa ingatkan segala kebaikan dan kelebihan yang ada pada dirinya. Jangan lah dok fikir and focus pada kekurangan yang dia ada. Syaitan pun mulalah masuk jarum bila kita terlalai seketika. Nampak macam kacang putih kan? But the battle can go unnoticed, as long as we can drive ourselves back to the right path, insya Allah everything will be fine. Semuanya akan dihitung di akhirat kelak.

Ini ada satu lagu yang pada zaman bebudak dulu, aku suka jugak dengar. Tapi aku rasa lirik dia lagik buat kita confuse. Apakah makna Ikhlas.:

Bila bila kiranya diriku perlu
Hari yang murung
Terdengar nada yang riang ria
Sekali suara meyakinkan jiwa
Kaku langkah mengaguminya
Kaku menerimanya
Selagi bahuku
Memikul bebannya
Selagi hayatku
Merasa siksa
Selama senyuman
Menjadi senyumku
Ku bawa wajahmu
Walau diriku jauh…

Langsung...kekadang rasa macam satu jihad juga, untuk mengikhlaskan hati untuk membuat kebaikan dengan orang, lebih2 lagi orang yang pernah menyakitkan hati kita, melukakan perasaan kita, mengutuk kita, mengumpat kita, etc. Satu jihad tu. Satu perjuangan.