Menjana Pendapatan dari Pelbagai Sumber

Ramai orang boleh menjawab apakah pekerjaan mereka. Tetapi persoalan akan menjadi lebih rumit untuk dijawab apabila ditanya apakah pekerjaan sambilan mereka.

a) Pekerjaan utama

b) Pekerjaan sampingan

c) Pekerjaan berdasarkan hobi

d) Pekerjaan berdasarkan hobi ke 2

e) Pekerjaan berdasarkan peluang segera

f) dan lain-lain

Ramai memberikan alasan mereka tiada pekerjaan sambil agar mereka boleh fokus kepada pekerjaan yang ada. Tetapi ramai yang tidak menyedari, ramai jutawan menjadi kaya kerana mereka mempunyai lebih satu pekerjaan atau lebih satu sumber pendapatan. Sesetengah pakar motivasi menceritakan seseorang jutawan memerlukan tujuh atau lebih sumber pendapatan. Atau lebih tepat, ramai jutawan menjadi kaya kerana mereka mempunyai pelbagai sumber pendapatan.

Di dalam keadaan ekonomi yang merundum, semakin ramai melakukan dua atau lebih kerja serentak untuk menambah pendapatan. Jika perancangan lebih awal dilakukan, pekerjaan kedua, ketiga dan seterusnya seharusnya membantu kualiti hidup. Sebaliknya, sekiranya pekerjaan sampingan cuba dikekalkan di sepanjang karrier, hanya musibah akan menanti anda. Melakukan pekerjaan sampingan yang sama hanya akan menyebabkan "Diminising return". Sebagai contoh, semasa saya baru menjadi pensyarah, pendapatan pensyarah sampingan adalah RM100 sejam. Selepas 20 tahun, pendapatan pensyarah sampingan masih tetap RM100. Saya memaksa diri berhenti mengajar secara sampingan semenjak 2014. Jadi, tenaga dan masa saya boleh digunakan untuk berehat, memikirkan strategi dan menjana pendapatan lebih tinggi dan berterusan.

Tetapi ramai tidak sedar ciri-ciri di dalam pelbagai sumber pendapatan sampingan.

1. Pelbagai sumber pendapatan bukan bermakna semuanya mesti dilakukan sepanjang masa. Jika anda mempunyai dua pekerjaan yang sentiasa mesti dilakukan sepanjang masa seperti pekerjaan dua shift sehari, anda harus bertanya kepada diri sendiri berapa lamakah anda sanggup bekerja selama dua shift dalam sehari? Setahun? 5 tahun? 10 tahun? sampai pencen? Anda bukan robot. Sila bangun dari tidur.

2. Setiap pendapatan sampingan mempunyai jangka hayat dan kewujudan waktu yang terhad. Oleh itu, sangat penting untuk merancang priority hidup anda. Sesetengah pendapatanan sampingan mempunyai waktu dan tempoh tertentu perlaksanaannya. Jika pendapatan sampingan hanya untuk kerja dua shift di kilang, kesibukan kilang juga bermusim.

3. Setiap pendapatan sampingan mempunyai faktor kesesuaian yang berlainan seperti:

   - seasonal seperti di atas

   - faktor umur: umur semakin tua menyebabkan sesetengah pekerjaan sampingan tidak sesuai, semasa umur muda lebih banyak pilihan pekerjaan berdasarkan tenaga dan masa yang banyak tetapi apabila usia meningkat pekerjaan sampingan berdasarkan pengalaman, ilmu dan masa yang sedikit menjadi keutamaan.

   - faktor keluarga: pekerjaan sampingan akan menyebabkan anda kekurangan masa untuk keluarga. Tetapi pekerjaan sampingan yang flexibel akan memberikan lebih banyak masa untuk keluarga seperti ejen insuran, ejen hartanah dan sebagainya.

   - perubahan ekonomi negara: setengah pekerjaan sampingan tumbuh seperti cendawan apabila ekonomi negara semakin rancak seperti ejen hartanah, ejen permohonan pinjaman, pendidikan dan sebagainya.

   - perubahan polisi negara atau syarikat: sesetengah syarikat tidak mahu terikat dengan pekerja-pekerja tambahan, sebaliknya pekerja kontrak atau separuh masa digunakan. Perubahan polisi negara juga membantu sesuatu pekerjaan akan bertambah peningkatan gaji seperti kemasukan buruh asing, pertumbuhan bidang ICT, semikonduktor dan sebagainya.

4. Pekerjaan sampingan yang mudah bertahan adalah pekerjaan yang berdasarkan minat

   - perkara sukar menjadi mudah kerana minat

   - perkara mudah tapi leceh tetap mudah jika minat

   - hobi yang berterusan sangat bagus jika boleh menjana pendapatan sampingan

   - sesetengah pendapatan sampingan memerlukan perancangan lebih awal atau persediaan awal

5. Senarai pekerjaan-pekerjaan dan pendapatan sampingan yang saya lakukan:

   i. (23 tahun) Pensyarah

  ii. (25) Penulis aturcara

 iii. (22) Consultant 

 iv. (10) Teaching and training part time

      - (stop) university: UTM, UTHM, UMP

      - (6 dan  sekarang jarang-jarang) training for companies: Kriptic Devices, Zal Computer, Kelab komputer sekolah

      - (lebih untuk kerja kebajikan) chess

      - kursus pendek: microcontroller, PLC, visual basic, IC Design 

  v. (8) Mengasaskan dua buah syarikat

 vi. (25) Menyewa rumah sejak 1998

vii. (14) Melabur hartanah melalui pembelian bangunan kedai

viii. (2) Tourist guide

 ix. (14) Palm oil plantation

  x. (5) Manpower supply

11. (15) Service repair

12. (15) Paperwork for tender, grants and operational setup

13. (20) Selling agent such as property, computer

14. (25) Software development

15. (4) Invest: bela lembu 

16. (3) Jual baja dan benih

17. (30) Melabur dalam ASN dan ASB

18. (10) Melabur dalam Bank Rakyat

19. Professional Chess player (4)

Nota: dalam kurungan adalah tempoh masa pelaksanaan, kebanyakan aktiviti bukan berterusan tetapi tempoh tahun aktiviti tersebut masih berlaku.

Semua ini tidak mungkin saya lakukan serentak atau berpanjangan bertahun-tahun. Jadi, rancang pekerjaan sampingan, pelaburan dan hobi anda untuk masa depan.

My official work website

Finally, I successfully configured my own website for official use.  This website will discuss my official work as an academician. I hope the website can also help fresh graduate to plan their future. Therefore, I will also discuss about property investment and entrepreneurship which will focus on young graduates or those who are still fresh in the industry (less than 5 years of working). But, first of all, they must choose the most suitable carriers for themselves so that they can grow their skills, knowledge and valuable experience.

The website also will discuss about unseen opportunities available in the university which widely tab by MNC or Multi National Companies. The opportunities may come in many form such as R&D collaboration, seed funding, training, skilled or professional workers, exploration and many more. I am able to make the linkages due to my extensive experience doing work for industry.

You can also learn something from the entries especially on current and future technology development whether you realize it or not. For those who want to further study in whatever field you choose, you may also benefit from it. Parents who are helping their children to choose field of study, you may ask related questions in the website. What are your concern? Go visit:

http://zulfakar.fke.utm.my

Property Investment is like studying for a PhD

Today, I have achieved a major milestone in my life. After years of studying, faced many hardships and sometimes almost gave up to continue, I finally submitted my PhD thesis on the last day of submission dateline.It was a series of hardworks and still continuing do so. The journey to PhD is still in progress until after the Viva correction. The hardest part in doing PhD is to come up with ideas how to contribute, and how to proceed with related activities. But, the most critical part is do you dare to begin your journey in pursuing PhD.

For people who have not invest in property but thinking to do so, they will face with the same questions. Some people already bought their home. Since their purpose to buy is for personal use, it does not come along with the questions above. When you buy a house for a personal use, most of the questions in your head is does the new house suitable for your lifestyle. For an investor, the house should be bought and hold for a specific time period. Upon achieving the investment goal parameters, the house should be let go. It is the same when I study for my PhD. There is always a time limit in achieving your goals. But it does not mean everybody can or must achieve their goals at the same time period.

Some people decided to pursuing their PhD without thinking it through. Due to their job functions, or jobless or whatever reason, they started to study PhD. This is like buying a property without thinking thoroughly what to do with the property, how to maintain the property and how to prosper with the property. Surprisingly there are still many people who furthering study or buying property with the same mindset. Many of them will be trapped in a situation where they have difficulty to end the situation. This is especially true if they only think to be a property investor after bought and live in the house.In summary, they fail to have multiple plans.

For inexperience people, the most difficult part is to find the best ideas which suite best for them. Simply following other people's ideas or strategy is like repeating previous research works without finding the improvement or contribution which deserve a reward for yourself. Ideas and strategies must be modified whether minor or major to make them suitable for your specific situation. To make it worst, you have to pay a huge price for this common mistake where in both fields you will lose a lot of time. And time is really gold in both of them.

One of the simple way to compensate for your inexperience is to mix with people with similar dreams, wavelength or situation. The more people you can get together, the more probability for success. But as in any field, it is also important to filter out ideas which are not yet ready for you. Ideas can come in many places at weirdest time or while exchanging information with people with similar goals.

There are still many similarity between pursuing PhD and property investment. Since both of them have many similarities, is it possible to achieve both of them at the same time. For me, my property investment really take off after I started continue my study in PhD. Towards the middle of PhD and despite the hardship, I managed to grow my property investment. Hopefully, I can successfully defend my PhD thesis which means I can also reap the benefit from my property investment!

It is always rewarding to do both of them. Why not you?