Syarikat Enterprise
Source: https://coachadib.com/module/6ac03b9f037ed06a73d64d29
Automatic full-length draft. Uncertain wording and figures require review.

[00:00:00.500 – 00:00:10.060] Struktur Cashflow untuk Company Enterprise. Video kali ni saya nak cover dulu Company Enterprise.

[00:00:10.860 – 00:00:13.860] Okey, awak boleh tengok gambar ni. Kita besar-kecik-besar-kecikkan dia.

[00:00:14.160 – 00:00:18.500] Tapi first sekali untuk Company Enterprise, saya nak explain strategi yang kita nak pakai.

[00:00:18.980 – 00:00:22.220] Okey, cara yang pertama satu, saya akan lukis tu kat sebelah ni tiga kotak.

[00:00:22.940 – 00:00:26.580] Tak awak faham? Okey, anggaplah kita ada tiga bank account sahaja.

[00:00:27.940 – 00:00:30.040] Susahnya nak buat tiga bank account, betul.

[00:00:30.040 – 00:00:31.220] Sebab awak nak berjaya kan

[00:00:31.220 – 00:00:32.360] Kenalah susah sikit

[00:00:32.360 – 00:00:33.900] Mana boleh benda senang

[00:00:33.900 – 00:00:35.020] Senang-senang susah lah

[00:00:35.020 – 00:00:37.120] Susah nak berjaya

[00:00:37.120 – 00:00:38.980] Tapi senang kemudian

[00:00:38.980 – 00:00:39.520] Okay

[00:00:39.520 – 00:00:40.160] So

[00:00:40.160 – 00:00:42.180] Nombor 1 dipanggil sebagai

[00:00:44.380 – 00:00:45.220] Operating

[00:00:45.220 – 00:00:46.020] Account

[00:00:47.200 – 00:00:49.660] Nombor 2 kita panggil sebagai

[00:00:52.240 – 00:00:53.080] Emergency

[00:00:53.080 – 00:00:54.660] Account

[00:00:56.670 – 00:00:59.690] Nombor 3 kita panggil sebagai

[00:00:59.690 – 00:01:00.610] Dividend

[00:01:02.370 – 00:01:03.730] Walaupun awak enterprise

[00:01:03.730 – 00:01:05.050] Anggaplah awak ada dividend

[00:01:05.050 – 00:01:06.190] Dividend, account

[00:01:06.190 – 00:01:06.590] Okay

[00:01:06.590 – 00:01:08.190] Ada tiga jenis account

[00:01:08.190 – 00:01:10.110] Dan account ni pakai bank account apa

[00:01:10.110 – 00:01:10.990] Suka hati awak lah

[00:01:10.990 – 00:01:12.670] Saya cadangkan yang ni

[00:01:12.670 – 00:01:13.490] Biasanya main bank

[00:01:14.270 – 00:01:15.050] Kebiasaannya lah

[00:01:15.050 – 00:01:16.670] Sebab bank public

[00:01:16.670 – 00:01:17.910] Paling general lah

[00:01:17.910 – 00:01:19.490] Okay yang ni awak nak buat

[00:01:19.490 – 00:01:21.030] Bank, emergency account

[00:01:21.030 – 00:01:22.650] Maksudlah tempat yang susah

[00:01:22.650 – 00:01:23.330] Nak buat keluar sikit

[00:01:23.330 – 00:01:24.070] Mungkin lah RHB

[00:01:26.230 – 00:01:27.410] Mungkin dividend account

[00:01:27.410 – 00:01:28.950] Oh dividend saya nak letak dekat

[00:01:28.950 – 00:01:29.810] Bank Islam lah

[00:01:29.810 – 00:01:30.590] Lagi susah nak keluar

[00:01:30.590 – 00:01:32.290] Lagi susah nak keluar duit tu

[00:01:32.290 – 00:01:32.730] Lagi bagus

[00:01:32.730 – 00:01:34.170] Kalau awak letak kat bank

[00:01:34.170 – 00:01:34.750] Yang senang keluar

[00:01:34.750 – 00:01:36.190] CIMB senang keluar

[00:01:36.190 – 00:01:37.790] Letak kat bank yang susah sikit

[00:01:37.790 – 00:01:38.350] Nak keluar tengok

[00:01:38.350 – 00:01:39.690] Tapi terpulang pada awak

[00:01:39.690 – 00:01:40.070] Benda ni

[00:01:40.070 – 00:01:41.070] Awak nak letak dekat

[00:01:41.070 – 00:01:42.230] Bank-bank biasa boleh

[00:01:42.230 – 00:01:44.290] Bank-bank yang rare pun boleh

[00:01:44.790 – 00:01:45.570] Mungkin kat sini

[00:01:45.570 – 00:01:46.530] Saya letak dekat

[00:01:46.530 – 00:01:47.410] Bank Islam lah

[00:01:47.410 – 00:01:48.210] Contoh je

[00:01:49.110 – 00:01:50.230] Tapi terpulang pada awak

[00:01:50.230 – 00:01:51.330] Ni contoh sahaja

[00:01:51.330 – 00:01:52.330] Mungkin awak nak

[00:01:52.330 – 00:01:53.290] Sucikan dividend awak

[00:01:53.290 – 00:01:54.030] Letak kat bank Islam

[00:01:54.030 – 00:01:54.710] Ni contoh je

[00:01:54.710 – 00:01:55.650] So

[00:01:56.230 – 00:01:57.490] Untuk struktur enterprise

[00:01:57.490 – 00:01:58.970] First kali awak kena tahu

[00:01:58.970 – 00:02:01.170] kita akan buat satu peraturan.

[00:02:01.350 – 00:02:03.050] Nombor satu adalah

[00:02:03.950 – 00:02:07.030] kita akan buat satu peraturan simple

[00:02:07.030 – 00:02:10.330] yang mana dekat operating account ni

[00:02:10.330 – 00:02:14.630] mesti kena ada satu bulan OPEX.

[00:02:14.710 – 00:02:15.890] Saya tulis.

[00:02:16.330 – 00:02:18.750] Operating account dia mesti kena ada

[00:02:18.750 – 00:02:21.070] one month OPEX.

[00:02:21.270 – 00:02:23.430] Dalam chapter seterusnya kita akan belajar

[00:02:23.430 – 00:02:24.790] apakah itu OPEX.

[00:02:24.870 – 00:02:26.390] Tapi kalau saya explain dengan simple

[00:02:26.390 – 00:02:27.530] dia adalah cost overhead.

[00:02:28.310 – 00:02:30.050] berapa awak nak run

[00:02:30.050 – 00:02:31.210] company awak sebulan tu

[00:02:31.210 – 00:02:32.050] contohnya

[00:02:32.050 – 00:02:33.190] ambillah RM

[00:02:33.190 – 00:02:34.310] oh tuan

[00:02:34.310 – 00:02:35.830] siapanya company ni nak running

[00:02:35.830 – 00:02:37.270] perlukan at least

[00:02:37.270 – 00:02:38.590] RM 20,000

[00:02:38.590 – 00:02:40.810] enterprise pun kecil sikit lah

[00:02:40.810 – 00:02:42.050] mungkin RM 10,000

[00:02:42.050 – 00:02:43.390] awak meniaga kecil-kecilan

[00:02:43.390 – 00:02:44.510] makanya

[00:02:44.510 – 00:02:45.370] di dalam

[00:02:45.370 – 00:02:46.970] account bank operating ni

[00:02:46.970 – 00:02:48.190] wajib ada minimum

[00:02:48.190 – 00:02:49.250] RM 10,000

[00:02:49.890 – 00:02:51.610] kenalah ada RM 10,000 kat sini

[00:02:52.470 – 00:02:54.450] dia kena duduk je kat situ

[00:02:54.450 – 00:02:54.930] sebab

[00:02:54.930 – 00:02:55.730] kalau tak ada duit

[00:02:55.730 – 00:02:56.950] macam mana orang nak pusing

[00:02:56.950 – 00:03:00.990] Awak kena faham, semua duit keluar dan duit masuk dekat sini.

[00:03:01.670 – 00:03:02.010] Maksud eh.

[00:03:02.890 – 00:03:06.170] Semua duit masuk in dekat sini.

[00:03:06.550 – 00:03:09.950] Dan out pun dekat sini juga.

[00:03:10.390 – 00:03:12.350] So, itu membawa pada point yang seterusnya.

[00:03:13.310 – 00:03:15.730] Point yang seterusnya adalah nombor dua.

[00:03:16.070 – 00:03:18.530] Kita nak pastikan emergency account pula.

[00:03:18.690 – 00:03:20.570] Ini peraturan-peraturan yang kita akan set.

[00:03:21.390 – 00:03:22.630] Emergency account

[00:03:24.370 – 00:03:26.970] Kita mesti ada dalam sekitar

[00:03:26.970 – 00:03:29.810] 3 ke 6 bulan cash reserve

[00:03:29.810 – 00:03:30.470] OPEX

[00:03:30.470 – 00:03:31.490] 3 ke 6 bulan

[00:03:32.430 – 00:03:33.970] Walaupun awak tak faham OPEX

[00:03:33.970 – 00:03:34.510] Dengar dulu

[00:03:34.510 – 00:03:35.830] Bayangkan dia macam cost overhead

[00:03:35.830 – 00:03:37.730] 3 ke 6 bulan OPEX

[00:03:37.730 – 00:03:38.830] Ataupun cost overhead

[00:03:38.830 – 00:03:41.630] So katakanlah cost awak adalah RM10,000

[00:03:41.630 – 00:03:42.350] Awak darablah 3

[00:03:44.450 – 00:03:45.710] RM10,000

[00:03:45.710 – 00:03:47.270] Darab 3 bulan

[00:03:47.270 – 00:03:48.570] Berapa awak dapat kat sini?

[00:03:49.030 – 00:03:49.670] Adalah

[00:03:49.670 – 00:03:52.390] Equal RM30K

[00:03:52.390 – 00:03:53.430] Nampak?

[00:03:53.770 – 00:03:55.670] Ataupun awak nak buat lebih selamat

[00:03:55.670 – 00:03:57.550] Bergantung kepada industri

[00:03:57.550 – 00:03:59.830] Katakanlah awak punya industri ni

[00:03:59.830 – 00:04:02.770] Industri yang nak kena bertahan lama sikit

[00:04:02.770 – 00:04:03.970] Musim kemarau

[00:04:03.970 – 00:04:06.070] Ataupun musim takde sil tu lama sikit

[00:04:06.070 – 00:04:08.130] So awak kena stand by 6 bulan

[00:04:08.130 – 00:04:09.410] So daratlah kat sini

[00:04:09.410 – 00:04:11.450] 10K darat dengan 6 bulan

[00:04:11.450 – 00:04:14.190] Awak akan dapat RM60K

[00:04:14.190 – 00:04:14.950] RM60,000

[00:04:14.950 – 00:04:16.490] So makanya

[00:04:16.490 – 00:04:18.250] Dekat dalam MGSEKA

[00:04:18.250 – 00:04:20.290] Katalah saya nak ambil yang paling secure

[00:04:20.290 – 00:04:22.210] Saya nak ambil yang paling secure

[00:04:22.210 – 00:04:23.650] Saya kena ada at least dekat sini

[00:04:23.650 – 00:04:26.510] Target saya adalah RM60K

[00:04:26.510 – 00:04:28.070] Ini target dulu

[00:04:29.550 – 00:04:30.410] Nombor 2

[00:04:30.410 – 00:04:31.070] Nombor 3

[00:04:31.070 – 00:04:33.750] Nombor 3 pula bila kita dah faham

[00:04:33.750 – 00:04:35.490] Peraturan-peraturan alam

[00:04:35.490 – 00:04:37.150] Adalah dividend account

[00:04:38.590 – 00:04:40.370] Dividend account kita ni

[00:04:40.370 – 00:04:42.270] Syarat-syarat dia adalah

[00:04:43.930 – 00:04:46.230] Mesti awak tak boleh release semua

[00:04:46.230 – 00:04:49.630] Kita panggil peraturan 80-20

[00:04:49.630 – 00:04:51.330] Apa maksudnya?

[00:04:52.170 – 00:04:55.050] 80% ni akan pergi kepada shareholder

[00:04:56.310 – 00:04:57.730] Walaupun awak enterprise

[00:04:57.730 – 00:04:59.150] Anggaklah owner lah

[00:04:59.150 – 00:04:59.970] Ataupun partner

[00:04:59.970 – 00:05:01.750] Shareholder lah saya panggil

[00:05:01.750 – 00:05:03.110] Padahal enterprise dia tak ada shareholder

[00:05:03.110 – 00:05:04.630] Dia pemilikan tunggal

[00:05:04.630 – 00:05:06.090] Soul prop ataupun partnership

[00:05:06.090 – 00:05:08.250] Tapi anggaklah saya ambil owner lah

[00:05:08.250 – 00:05:10.530] Okay pergi kepada awak

[00:05:10.530 – 00:05:10.930] Owner

[00:05:12.770 – 00:05:14.410] Lagi 20%

[00:05:14.410 – 00:05:16.590] kita akan saving

[00:05:17.790 – 00:05:18.830] ataupun dipanggil

[00:05:18.830 – 00:05:19.750] juga carry forward

[00:05:21.310 – 00:05:22.690] kita akan release

[00:05:22.690 – 00:05:24.750] nanti lambat sikit, sebab duit

[00:05:24.750 – 00:05:26.770] ni dipanggil juga duit buffer

[00:05:26.770 – 00:05:28.470] sebab kita takut

[00:05:28.470 – 00:05:29.930] kita terambil untung lebih

[00:05:29.930 – 00:05:32.550] jadi 20% ni juga duit buffer

[00:05:32.550 – 00:05:34.810] untuk bayar tax ke, untuk cover

[00:05:34.810 – 00:05:36.830] apa-apa ke, jadi macam tu

[00:05:36.830 – 00:05:37.130] dan

[00:05:39.010 – 00:05:40.510] apa yang saya nak awak buat

[00:05:40.510 – 00:05:42.450] lepas awak dah clear pasal benda ni

[00:05:42.450 – 00:05:44.570] bila dapat duit sebenarnya

[00:05:44.570 – 00:05:46.630] benda ni dia panggil sebagai

[00:05:46.630 – 00:05:48.190] cash flow waterfall tau

[00:05:48.190 – 00:05:50.650] dia adalah satu benda

[00:05:50.650 – 00:05:52.230] dia panggil cash

[00:05:52.230 – 00:05:53.870] cash pula dah

[00:05:54.690 – 00:05:55.810] cash flow

[00:05:56.830 – 00:05:58.490] water, water air

[00:05:58.490 – 00:06:00.610] waterfall, dia macam air terjun

[00:06:01.590 – 00:06:02.230] sebab

[00:06:02.230 – 00:06:04.830] satu duit masuk, satu duit keluar

[00:06:04.830 – 00:06:06.690] dan duit tu dia akan pergi

[00:06:06.690 – 00:06:08.350] dekat sini, pusing pusing pusing pusing

[00:06:08.350 – 00:06:09.930] hujung bulan

[00:06:09.930 – 00:06:11.290] Dengar ayat tu

[00:06:11.290 – 00:06:12.810] Hujung bulan

[00:06:12.810 – 00:06:14.030] Ataupun bulan depan

[00:06:14.030 – 00:06:15.590] Baru ditransfer masuk

[00:06:15.590 – 00:06:16.730] Ke sini

[00:06:16.730 – 00:06:18.050] Maksudnya duit masuk ni banyak

[00:06:18.050 – 00:06:18.830] Masuk

[00:06:18.830 – 00:06:19.610] Masuk

[00:06:19.610 – 00:06:20.110] Masuk

[00:06:20.110 – 00:06:20.810] Keluar

[00:06:20.810 – 00:06:21.610] Bayar gaji

[00:06:21.610 – 00:06:22.210] Keluar

[00:06:22.210 – 00:06:22.830] Bayar staff

[00:06:22.830 – 00:06:23.490] Bayar vendor

[00:06:23.490 – 00:06:24.290] Bayar bil elektrik

[00:06:24.290 – 00:06:24.730] Masuk

[00:06:24.730 – 00:06:25.490] Dapat customer bayar

[00:06:25.490 – 00:06:25.910] Customer bayar

[00:06:25.910 – 00:06:26.150] Bayar

[00:06:26.150 – 00:06:26.450] Bayar

[00:06:27.010 – 00:06:28.650] Tapi yang ditransfer ke sini

[00:06:28.650 – 00:06:29.430] Sekali je

[00:06:31.360 – 00:06:32.840] Yang ditransfer pula

[00:06:32.840 – 00:06:33.720] Ke sini pun

[00:06:33.720 – 00:06:34.440] Sekali je

[00:06:34.440 – 00:06:35.660] Sebulan sekali

[00:06:35.660 – 00:06:36.580] Ha tuak kena faham

[00:06:36.580 – 00:06:38.180] Sebab tuak macam pening kepala

[00:06:38.180 – 00:06:39.200] Oh ya pening lah tuan

[00:06:39.200 – 00:06:39.940] Accountant saya

[00:06:39.940 – 00:06:41.420] Tapi nak uruskan semua

[00:06:41.420 – 00:06:41.900] Bukan

[00:06:41.900 – 00:06:43.120] Ini sekadar

[00:06:43.120 – 00:06:44.620] Mengasingkan kolam duit

[00:06:44.620 – 00:06:46.340] Takut awak terpakai

[00:06:46.340 – 00:06:47.700] Nak su dinosaur

[00:06:47.700 – 00:06:48.280] Business owner

[00:06:48.280 – 00:06:49.060] Ni boleh tahan juga

[00:06:49.660 – 00:06:50.760] Dari kita asingkan

[00:06:50.760 – 00:06:51.180] Siap-siap

[00:06:51.180 – 00:06:51.880] Biar duit tu

[00:06:51.880 – 00:06:53.280] Macam tak nampak

[00:06:53.280 – 00:06:55.020] Bila kita nak pakai tu

[00:06:55.020 – 00:06:55.360] Rasa macam

[00:06:55.360 – 00:06:55.880] Allah

[00:06:55.880 – 00:06:56.980] Aku nak pakai duit

[00:06:56.980 – 00:06:57.680] Emergency ni

[00:06:58.700 – 00:06:59.260] Kenapalah

[00:06:59.260 – 00:07:00.220] Aku nak beli benda ni

[00:07:00.220 – 00:07:02.020] Kan awak tersubscribe

[00:07:02.020 – 00:07:02.800] Benda pelik-pelik

[00:07:02.800 – 00:07:03.680] Beli TV baru

[00:07:03.680 – 00:07:06.080] So teknik cash flow waterfall ni

[00:07:06.080 – 00:07:06.840] Kita sengaja

[00:07:06.840 – 00:07:08.020] Mengasingkan duit kita

[00:07:08.600 – 00:07:09.920] Di mana-mana tempat

[00:07:09.920 – 00:07:13.160] Yang membolehkan kita lebih berhati-hati

[00:07:13.160 – 00:07:13.900] Okay, next

[00:07:14.480 – 00:07:15.940] Soul prop dengan partnership

[00:07:15.940 – 00:07:17.720] Okay, awak boleh tengok dekat bawah ni

[00:07:17.720 – 00:07:19.220] Kampuan saya tunjuk dekat sini

[00:07:19.220 – 00:07:20.060] Okay, nampak

[00:07:20.060 – 00:07:21.460] Kita pergi belah bawah tu pula

[00:07:21.460 – 00:07:24.080] Soul prop versus partnership

[00:07:24.080 – 00:07:25.260] Apa prop and cons dia

[00:07:25.260 – 00:07:26.020] Okay, cuba type

[00:07:28.040 – 00:07:31.140] Soul prop versus partnership

[00:07:31.140 – 00:07:32.420] Apakah prop and cons dia

[00:07:32.420 – 00:07:33.300] Tanya, cik LGBT

[00:07:34.280 – 00:07:34.800] Okay

[00:07:34.800 – 00:07:36.360] So, awak nak tahu lah

[00:07:36.360 – 00:07:37.540] Dalam bahasa kampung

[00:07:37.540 – 00:07:38.360] Ataupun bahasa simple

[00:07:38.360 – 00:07:39.180] Kita panggil soul prop

[00:07:40.700 – 00:07:41.900] versus partnership.

[00:07:42.200 – 00:07:43.780] Partnership ni bila awak berpartner.

[00:07:45.180 – 00:07:47.780] Dan isu dengan company enterprise

[00:07:47.780 – 00:07:49.740] sebab ni saya merujuk kepada enterprise.

[00:07:50.240 – 00:07:51.060] Serum bahat lain eh.

[00:07:52.100 – 00:07:52.660] Enterprise.

[00:07:53.460 – 00:07:54.900] Enterprise ni nombor satu.

[00:07:55.900 – 00:07:59.000] Awak dicadangkan, digalakkan buat enterprise

[00:07:59.000 – 00:08:01.240] kalau awak punya sale lah.

[00:08:01.380 – 00:08:02.820] Saya pergi cover timing terbaik dulu.

[00:08:02.940 – 00:08:04.200] Saya ambil timing terbaik dulu lah.

[00:08:04.340 – 00:08:04.760] Saya explain tu.

[00:08:05.160 – 00:08:07.100] Bila patut buat enterprise ataupun serum bahat ni?

[00:08:07.640 – 00:08:08.580] Timing terbaik.

[00:08:11.580 – 00:08:12.620] Tanda soal.

[00:08:13.620 – 00:08:14.820] Untuk menjawab soalan ni,

[00:08:14.900 – 00:08:15.820] saya akan lukis satu benda.

[00:08:16.720 – 00:08:17.840] Benda ni simple je.

[00:08:18.080 – 00:08:19.060] Awak tengok dia macam timeline.

[00:08:20.880 – 00:08:23.160] Bayangkan ada 4 stage untuk buat bisnes.

[00:08:23.360 – 00:08:25.520] Stage 1, stage 2, stage 3, stage 4.

[00:08:26.200 – 00:08:30.740] Stage pertama, saya panggil sebagai stage part-time.

[00:08:31.600 – 00:08:33.180] Awak buat secara part-time.

[00:08:33.660 – 00:08:34.800] Kalau part-time ni,

[00:08:35.500 – 00:08:38.040] awak tak payah nak daftar enterprise pun sebenarnya.

[00:08:38.260 – 00:08:40.640] Awak guna sahaja own,

[00:08:41.520 – 00:08:42.340] Bank account.

[00:08:43.620 – 00:08:45.080] Guna je bank account sendiri.

[00:08:45.400 – 00:08:45.760] Personal.

[00:08:46.760 – 00:08:48.300] Tak payah pun nak daftar enterprise.

[00:08:49.060 – 00:08:52.600] Tapi kalau awak start buat secara full time.

[00:08:54.480 – 00:08:56.720] Tapi small scale.

[00:08:57.780 – 00:08:59.120] Maksudnya skala kecil.

[00:08:59.720 – 00:09:00.580] Small scale.

[00:09:00.820 – 00:09:02.960] Yang ni barulah awak buat enterprise.

[00:09:06.800 – 00:09:07.560] Nampak eh?

[00:09:07.960 – 00:09:08.460] Sebab apa?

[00:09:08.760 – 00:09:10.600] Dekat sini sebenarnya sama je.

[00:09:10.980 – 00:09:12.860] Sini masih lagi pemilikan tunggal.

[00:09:13.000 – 00:09:13.340] Sorang-sorang.

[00:09:13.500 – 00:09:14.260] Sini pun sorang-sorang.

[00:09:14.400 – 00:09:15.560] Cuma beza dia dekat sini.

[00:09:15.920 – 00:09:17.580] Nama transfer ke nama awak.

[00:09:18.000 – 00:09:19.040] Contoh transfer kat mana?

[00:09:19.220 – 00:09:20.020] Adib Afifi.

[00:09:20.200 – 00:09:21.040] Transfer kat saya.

[00:09:21.420 – 00:09:22.820] Kan kelakar sikit bunyi dia kan.

[00:09:23.160 – 00:09:23.900] Semekong Tuan.

[00:09:24.080 – 00:09:25.200] Beli kopok lekong saya je.

[00:09:25.400 – 00:09:26.100] Transfer kat mana?

[00:09:26.400 – 00:09:27.860] Banyak peniaga sebenarnya pakai ni je.

[00:09:28.180 – 00:09:29.320] Dan tak salah pun.

[00:09:29.900 – 00:09:31.120] Kalau company tu kecil.

[00:09:31.400 – 00:09:32.960] Kalau part time boleh lah.

[00:09:33.240 – 00:09:34.260] Geli-geli waktu awak student.

[00:09:34.700 – 00:09:36.740] Tapi bila dah profit besar, dah salah.

[00:09:37.800 – 00:09:42.160] Sebab awak tak mengasingkan liability ataupun panggungan.

[00:09:42.160 – 00:09:44.660] Kat sini, better awak asingkan dia

[00:09:44.660 – 00:09:45.820] Sebab awak senang nak manage

[00:09:45.820 – 00:09:46.680] Nama asing

[00:09:46.680 – 00:09:48.300] Boleh daftar KWSP

[00:09:48.300 – 00:09:49.480] Bila small scale ni

[00:09:49.480 – 00:09:50.760] Awak tak nak ada staff

[00:09:50.760 – 00:09:53.020] Kalau awak kat sini mana boleh ada staff

[00:09:53.020 – 00:09:55.120] Sebab awak tak boleh nak carom KWSP

[00:09:55.120 – 00:09:55.600] So-so

[00:09:55.600 – 00:09:57.000] Yang ni awak boleh carom

[00:09:57.000 – 00:09:58.220] Okay, lepas tu

[00:09:58.220 – 00:09:59.820] So, saya cadangkan

[00:09:59.820 – 00:10:01.180] Kalau awak punya profit

[00:10:01.180 – 00:10:03.560] Saya tulis profit dan keuntungan

[00:10:04.560 – 00:10:05.160] Profit

[00:10:06.520 – 00:10:07.980] Lebih daripada 10k

[00:10:09.180 – 00:10:09.780] Peman

[00:10:10.680 – 00:10:11.280] Sebulan

[00:10:11.280 – 00:10:13.020] Bukannya setahun

[00:10:13.020 – 00:10:13.520] Sebulan

[00:10:13.520 – 00:10:15.840] Kat sini awak dah kena enterprise

[00:10:15.840 – 00:10:18.100] Tapi kalau awak punya profit

[00:10:20.340 – 00:10:22.380] Bawah daripada 10k

[00:10:22.380 – 00:10:24.740] Saya cadang tak payah buat enterprise pun lah

[00:10:24.740 – 00:10:26.080] Pakai bank account sendiri je

[00:10:26.080 – 00:10:27.280] Okay next pula

[00:10:27.280 – 00:10:28.600] Kita pergi kepada

[00:10:29.380 – 00:10:30.560] Macam mana nak lukis lah

[00:10:30.560 – 00:10:31.080] Belatang lah

[00:10:31.080 – 00:10:32.360] Dia full time

[00:10:33.830 – 00:10:36.950] Dan dia large scale

[00:10:38.290 – 00:10:40.070] Sini barulah dia panggil

[00:10:40.070 – 00:10:40.890] Seramahat

[00:10:40.890 – 00:10:42.370] Sebab apa

[00:10:42.370 – 00:10:43.890] awak dah skala besar

[00:10:43.890 – 00:10:45.850] dan bila saya kata skala besar

[00:10:45.850 – 00:10:46.430] maksud saya

[00:10:46.430 – 00:10:48.290] profit yang cukup besar

[00:10:48.290 – 00:10:50.150] lebih daripada

[00:10:50.150 – 00:10:51.010] RM

[00:10:53.070 – 00:10:53.730] 30K

[00:10:55.070 – 00:10:55.730] peman

[00:10:57.350 – 00:10:58.650] profit ni kena lebih

[00:10:58.650 – 00:11:00.910] profit atas daripada

[00:11:00.910 – 00:11:01.890] 30K peman

[00:11:01.890 – 00:11:03.790] kalau wajib tu

[00:11:03.790 – 00:11:04.810] wajib

[00:11:04.810 – 00:11:05.850] wajib ni bagi saya

[00:11:05.850 – 00:11:06.470] macam kalau

[00:11:06.470 – 00:11:07.950] ini still lagi je lah

[00:11:07.950 – 00:11:09.090] boleh lah kalau tak nak register

[00:11:09.090 – 00:11:10.550] tapi kalau dah wajib

[00:11:10.550 – 00:11:11.970] memang kalau profit awak ni

[00:11:11.970 – 00:11:12.790] atas daripada

[00:11:12.790 – 00:11:14.370] 50k sebulan

[00:11:14.370 – 00:11:15.350] hoi ni wajib lah

[00:11:16.070 – 00:11:17.290] ni memang wajib

[00:11:17.290 – 00:11:18.750] sebab apa

[00:11:18.750 – 00:11:19.830] awak kena faham

[00:11:19.830 – 00:11:21.190] 50k ni

[00:11:21.190 – 00:11:22.350] darab dengan 12 sebulan

[00:11:22.350 – 00:11:23.170] dah 600 ribu

[00:11:23.170 – 00:11:24.590] 600 ribu net profit

[00:11:24.590 – 00:11:25.770] yang ni memang wajiblah

[00:11:25.770 – 00:11:26.330] daftar

[00:11:27.230 – 00:11:28.510] sebagai serembahat

[00:11:28.510 – 00:11:29.750] yang ni ok lagi lah

[00:11:29.750 – 00:11:30.570] sebab yang ni profit

[00:11:30.570 – 00:11:32.050] 30 ribu darab dengan setahun

[00:11:32.050 – 00:11:34.090] dalam sekitar 360 ribu

[00:11:34.090 – 00:11:34.550] ok lah

[00:11:34.550 – 00:11:35.170] not bad lah

[00:11:35.170 – 00:11:35.790] tak adalah besar

[00:11:35.790 – 00:11:37.490] untuk company enterprise

[00:11:37.490 – 00:11:38.570] tapi kalau awak

[00:11:38.570 – 00:11:40.810] sebab tu saya tunjuk dia lagi

[00:11:40.810 – 00:11:42.110] Perbezaan teks

[00:11:42.110 – 00:11:43.470] Dalam slide yang seterusnya

[00:11:43.470 – 00:11:44.870] Cuma awak kena faham

[00:11:44.870 – 00:11:46.370] Ini fasa pertama

[00:11:46.370 – 00:11:48.030] Part time

[00:11:48.030 – 00:11:48.970] Fasa kedua

[00:11:48.970 – 00:11:49.850] Full time

[00:11:49.850 – 00:11:51.190] Tapi small scale

[00:11:51.190 – 00:11:52.090] Fasa ketiga

[00:11:52.090 – 00:11:53.490] Full time juga

[00:11:53.490 – 00:11:54.370] Tapi last case

[00:11:54.370 – 00:11:56.190] Dan fasa yang keempat

[00:11:56.190 – 00:11:57.650] Dipanggil sebagai fasa

[00:11:59.410 – 00:12:01.270] Investor friendly

[00:12:01.270 – 00:12:03.010] Macam mana aku nak start

[00:12:03.010 – 00:12:03.870] Ada investor

[00:12:06.250 – 00:12:07.330] Investor friendly

[00:12:07.330 – 00:12:09.570] Jadi untuk ada investor friendly

[00:12:09.570 – 00:12:10.650] Dekat sini

[00:12:10.650 – 00:12:12.050] Awak dah start

[00:12:12.050 – 00:12:12.750] Mendaftar

[00:12:12.750 – 00:12:13.530] Berhad

[00:12:14.310 – 00:12:15.250] Berhad ni

[00:12:15.250 – 00:12:16.010] Bagus dia

[00:12:16.010 – 00:12:17.250] Dia unlimited

[00:12:17.250 – 00:12:18.730] Shareholder

[00:12:18.730 – 00:12:19.530] Un

[00:12:20.450 – 00:12:21.210] Limited

[00:12:22.970 – 00:12:23.730] Shareholder

[00:12:23.730 – 00:12:25.830] Tu kelebihan dia

[00:12:26.850 – 00:12:27.610] Kalau

[00:12:28.430 – 00:12:29.190] Small

[00:12:30.010 – 00:12:30.770] Enterprise

[00:12:30.770 – 00:12:32.410] Dia punya limit dia adalah

[00:12:32.410 – 00:12:33.410] 2 orang

[00:12:33.410 – 00:12:34.490] Ke 50 orang

[00:12:35.650 – 00:12:36.410] Manakala

[00:12:36.410 – 00:12:37.470] Kalau enterprise pula

[00:12:37.470 – 00:12:38.250] Ni serambahat

[00:12:38.250 – 00:12:39.090] 2 ke 50 orang

[00:12:39.090 – 00:12:40.130] Enterprise pula

[00:12:40.130 – 00:12:40.670] Betul tak check

[00:12:40.670 – 00:12:41.370] Dia adalah

[00:12:42.730 – 00:12:44.150] Maximum 20 orang kan

[00:12:44.150 – 00:12:47.210] 1 orang ke 20 orang sahaja

[00:12:47.210 – 00:12:48.470] Partnership

[00:12:48.470 – 00:12:50.390] So dipanggil sebagai partnership

[00:12:50.390 – 00:12:51.910] Boleh ada 20 nama

[00:12:51.910 – 00:12:52.610] Tapi pening lah

[00:12:52.610 – 00:12:54.550] Sebab kalau awak letak 20 nama

[00:12:54.550 – 00:12:55.850] Dalam enterprise awak

[00:12:55.850 – 00:12:57.450] Setiap 20 orang ni

[00:12:57.450 – 00:12:57.810] Nak pergi

[00:12:57.810 – 00:12:59.290] Nak buka account bank kena ada

[00:12:59.290 – 00:13:00.170] Pening kat situ

[00:13:00.170 – 00:13:01.090] That's why kita tak adalah

[00:13:01.090 – 00:13:01.950] Letak banyak-banyak nama

[00:13:01.950 – 00:13:03.750] Letak mewakilkan sikit

[00:13:03.750 – 00:13:05.250] So timing yang terbaik

[00:13:05.250 – 00:13:06.370] Adalah bila profit awak

[00:13:06.370 – 00:13:07.870] Lebih daripada 30K

[00:13:08.630 – 00:13:09.270] Dan

[00:13:09.270 – 00:13:10.730] Kat sini

[00:13:10.730 – 00:13:12.810] Macam mana awak nak buat pembahagian profit

[00:13:12.810 – 00:13:15.630] Awak kena buat shareholder agreement

[00:13:16.950 – 00:13:18.390] Shareholder agreement

[00:13:18.390 – 00:13:21.970] Shareholder agreement ni adalah satu agreement simple je

[00:13:21.970 – 00:13:23.970] Awak tap chat GPT beritahu

[00:13:23.970 – 00:13:27.570] Tolong buatkan shareholder agreement untuk saya dan partner saya

[00:13:27.570 – 00:13:29.910] Saya buat company enterprise

[00:13:30.950 – 00:13:32.630] Untuk partnership

[00:13:32.630 – 00:13:35.270] Saya nak own 70%

[00:13:35.270 – 00:13:37.030] Partner saya own 30%

[00:13:37.030 – 00:13:39.290] Kalau untung saya nak bahagi ikut jumlah

[00:13:40.110 – 00:13:40.670] partnership

[00:13:40.670 – 00:13:41.650] kita panggil

[00:13:41.650 – 00:13:42.650] profit sharing agreement

[00:13:42.650 – 00:13:44.050] tolong buatkan

[00:13:44.050 – 00:13:44.610] check GPT

[00:13:44.610 – 00:13:45.510] boom dia terus buat

[00:13:45.510 – 00:13:46.010] awak sign

[00:13:46.010 – 00:13:46.890] patut awak pergi

[00:13:48.190 – 00:13:49.370] pergi buat ni lah

[00:13:49.370 – 00:13:50.830] pergi kat company lawyer

[00:13:50.830 – 00:13:51.210] ke apa semua

[00:13:51.210 – 00:13:52.410] awak sahkan dia

[00:13:52.410 – 00:13:53.770] saya ingat term dia

[00:13:53.770 – 00:13:54.150] stamping

[00:13:54.150 – 00:13:55.230] yes awak buat stamping

[00:13:55.230 – 00:13:56.730] dekat LHDN

[00:13:56.730 – 00:13:57.350] bayar sikit je

[00:13:57.350 – 00:13:58.010] bayar dalam 300

[00:13:58.010 – 00:13:58.570] 500

[00:13:58.570 – 00:13:59.690] so terus jadi

[00:13:59.690 – 00:14:01.370] satu dokumen rasmi

[00:14:01.370 – 00:14:02.030] yang sah

[00:14:02.030 – 00:14:03.070] kalau nak bagus

[00:14:03.070 – 00:14:03.530] ada lawyer

[00:14:03.530 – 00:14:04.530] tapi kalau tak ada lawyer pun

[00:14:04.530 – 00:14:05.110] takpe awak pergi je

[00:14:05.110 – 00:14:05.490] buat sendiri

[00:14:05.490 – 00:14:07.590] so shareholder agreement ni

[00:14:07.590 – 00:14:08.690] barulah membolehkan awak

[00:14:08.690 – 00:14:09.130] ada

[00:14:09.830 – 00:14:10.870] Macam awal nak own

[00:14:10.870 – 00:14:12.010] Saya nak own 70%

[00:14:12.010 – 00:14:12.930] Partner saya nak own

[00:14:12.930 – 00:14:13.770] 30%

[00:14:13.770 – 00:14:14.430] Boleh tak tuan

[00:14:14.430 – 00:14:15.830] Jawapan ni sebenarnya

[00:14:15.830 – 00:14:16.710] Boleh

[00:14:16.710 – 00:14:17.830] Tapi kena buat satu lagi

[00:14:17.830 – 00:14:18.570] Agreement tambahan

[00:14:18.570 – 00:14:19.530] Kalau enterprise

[00:14:19.530 – 00:14:20.210] Memang boleh buat

[00:14:20.210 – 00:14:21.210] Dia panggil unit share

[00:14:21.210 – 00:14:22.090] Tapi serambah

[00:14:22.090 – 00:14:22.530] Kalau

[00:14:22.530 – 00:14:22.950] Sorry

[00:14:22.950 – 00:14:23.930] Kalau serambah

[00:14:23.930 – 00:14:24.730] Memang boleh buat

[00:14:24.730 – 00:14:25.810] Sebab dia panggil unit share

[00:14:25.810 – 00:14:26.950] Tapi kalau enterprise

[00:14:26.950 – 00:14:28.770] Dia mencabar nak buat

[00:14:28.770 – 00:14:29.290] Sebab

[00:14:29.290 – 00:14:30.930] Kalau awak tengok dalam nama SSM

[00:14:30.930 – 00:14:32.370] Dia nama dia tinggal 2 orang je

[00:14:32.370 – 00:14:32.830] Adib

[00:14:32.830 – 00:14:33.870] Dengan Abu

[00:14:33.870 – 00:14:34.170] Dah

[00:14:34.170 – 00:14:35.650] Dia tak ada pun peratusan tak ada

[00:14:35.650 – 00:14:36.370] Apa

[00:14:37.210 – 00:14:37.750] Betulan

[00:14:38.470 – 00:14:39.250] maksimum berapa banyak?

[00:14:39.370 – 00:14:40.150] 20 orang

[00:14:41.290 – 00:14:42.250] tu maksimum

[00:14:42.250 – 00:14:43.750] 20 orang sahaja

[00:14:43.750 – 00:14:44.950] dan tadi saya nak beritahu kat awak

[00:14:45.430 – 00:14:46.350] apakah beza

[00:14:46.350 – 00:14:47.450] pro and con mana?

[00:14:47.610 – 00:14:47.910] pro and con

[00:14:49.150 – 00:14:50.310] apakah pro and con

[00:14:50.310 – 00:14:51.470] bila awak mendaftar

[00:14:52.590 – 00:14:53.070] ok

[00:14:54.030 – 00:14:55.150] buat dalam satu je

[00:14:55.150 – 00:14:56.130] tak payah singkan tap

[00:14:56.890 – 00:14:57.750] ok tengok ya

[00:14:57.750 – 00:14:59.070] apakah pro and con

[00:14:59.070 – 00:15:00.630] kalau awak buat

[00:15:01.170 – 00:15:02.250] bagi dalam bentuk table

[00:15:02.250 – 00:15:03.630] tak ada buat dalam bentuk table

[00:15:05.400 – 00:15:05.880] so

[00:15:05.880 – 00:15:06.800] jadi saya jawab

[00:15:06.800 – 00:15:07.340] tak awak pula

[00:15:07.340 – 00:15:08.220] pro and con

[00:15:08.220 – 00:15:10.000] Ok, jom kita terus jump pada seterusnya

[00:15:10.000 – 00:15:11.720] Oh, pro and con je

[00:15:11.720 – 00:15:15.500] Ok, next pula

[00:15:15.500 – 00:15:17.520] Kita nak pergi kepada 3 level income

[00:15:18.260 – 00:15:19.680] Untuk awak ambil gaji

[00:15:19.680 – 00:15:21.880] Sebaik-baiknya awak buatlah 3 level income

[00:15:21.880 – 00:15:23.520] Yang ni saya ada cover dalam video lain

[00:15:23.520 – 00:15:24.880] Tapi takpelah saya explain sekali lagi

[00:15:24.880 – 00:15:29.200] Income level pertama adalah income level survival

[00:15:30.920 – 00:15:33.720] Income yang kedua dipanggil sebagai standard

[00:15:34.320 – 00:15:35.320] Standard income

[00:15:35.320 – 00:15:39.300] Income yang ketiga dipanggil sebagai income luxury

[00:15:39.300 – 00:15:41.540] So, saya nak ajar awak

[00:15:41.540 – 00:15:43.700] Untuk strategi enterprise

[00:15:43.700 – 00:15:46.820] Berapa gaji yang patut awak ambil sebenar-benar

[00:15:46.820 – 00:15:49.100] So, untuk menjawab benda ni

[00:15:49.100 – 00:15:52.400] Awak kena ukur dulu level survival awak berapa

[00:15:52.400 – 00:15:54.000] Survival ni maksudnya apa?

[00:15:54.380 – 00:15:55.100] Tak ada saving

[00:15:55.100 – 00:15:56.180] Itu maksudnya

[00:15:56.180 – 00:15:58.740] Awak betul-betul survive sahaja

[00:15:58.740 – 00:16:00.520] Sampai saving pun tak ada

[00:16:01.560 – 00:16:02.980] Itu level survival

[00:16:02.980 – 00:16:05.440] Kalau standard, ada saving

[00:16:05.440 – 00:16:08.420] Dan berjaya maintain lifestyle sedia ada

[00:16:08.420 – 00:16:09.940] Kalau survival ni

[00:16:09.940 – 00:16:11.340] Dia sampai saving tak ada

[00:16:11.340 – 00:16:12.580] Lifestyle pun kena downgrade

[00:16:12.580 – 00:16:13.420] Ibarat macam tu

[00:16:13.420 – 00:16:14.560] Insurance tak bayar

[00:16:14.560 – 00:16:15.760] Nafkah kena potong sikit

[00:16:15.760 – 00:16:16.360] Macam tu lah

[00:16:16.360 – 00:16:17.420] Tapi kalau standard

[00:16:17.420 – 00:16:18.600] Maintain sedia ada

[00:16:18.600 – 00:16:20.180] Dan boleh ada saving sikit

[00:16:20.180 – 00:16:21.260] Luxury pula

[00:16:21.260 – 00:16:22.540] Awak dah boleh upgrade

[00:16:25.200 – 00:16:26.780] Dua ke satu lifestyle

[00:16:26.780 – 00:16:27.820] Satu ke dua lifestyle

[00:16:27.820 – 00:16:29.480] Awak dah boleh upgrade lah

[00:16:29.480 – 00:16:30.360] Okay

[00:16:30.360 – 00:16:32.000] So ini antara kelebihan dia

[00:16:32.000 – 00:16:32.620] Dan

[00:16:32.620 – 00:16:33.740] Untuk gaji

[00:16:33.740 – 00:16:34.920] Awak sepatutnya

[00:16:34.920 – 00:16:36.540] Kena ambil standard sahaja

[00:16:36.540 – 00:16:37.740] Jangan nak ambil luxury

[00:16:37.740 – 00:16:38.880] Jangan pula ambil survival

[00:16:38.880 – 00:16:40.880] Ambil level standard

[00:16:40.880 – 00:16:41.720] Untuk gaji awak

[00:16:42.440 – 00:16:43.300] Luxury ni

[00:16:43.300 – 00:16:44.360] Dia apa maksud

[00:16:44.360 – 00:16:45.140] Satu ke dua lastal

[00:16:45.140 – 00:16:46.200] Maksudnya awak boleh upgrade

[00:16:46.200 – 00:16:47.260] Biasanya lastal ada 10

[00:16:47.260 – 00:16:47.960] Semua sekali

[00:16:47.960 – 00:16:49.380] Awak boleh salin lah

[00:16:49.380 – 00:16:49.920] Saya sebut je

[00:16:49.920 – 00:16:51.140] Lastal pertama

[00:16:51.140 – 00:16:52.000] Orang akan upgrade

[00:16:52.000 – 00:16:53.280] Makanan

[00:16:53.280 – 00:16:54.140] Food

[00:16:54.140 – 00:16:55.220] Nombor 2

[00:16:55.220 – 00:16:55.840] Shopping

[00:16:55.840 – 00:16:56.880] Nombor 3

[00:16:56.880 – 00:16:58.040] Cars

[00:16:58.040 – 00:16:58.660] Kereta

[00:16:58.660 – 00:16:59.460] Nombor 4

[00:16:59.460 – 00:16:59.880] Rumah

[00:16:59.880 – 00:17:00.280] House

[00:17:00.280 – 00:17:01.560] Nombor 5 adalah

[00:17:01.560 – 00:17:02.500] Travel

[00:17:02.500 – 00:17:03.640] Ni 5 paling main

[00:17:03.640 – 00:17:04.940] Dan 5 yang optional pula

[00:17:04.940 – 00:17:05.880] Orang mungkin akan upgrade

[00:17:05.880 – 00:17:06.540] Education anak

[00:17:06.540 – 00:17:08.360] Lepas tu orang akan upgrade pula

[00:17:09.500 – 00:17:10.020] Hobi

[00:17:10.020 – 00:17:11.420] Mungkin dia nak pergi hobi

[00:17:11.420 – 00:17:12.420] Dia dah lama nak buat

[00:17:12.420 – 00:17:13.000] Spend hobi

[00:17:13.000 – 00:17:13.940] Ataupun yang ketiga

[00:17:13.940 – 00:17:14.800] Donation

[00:17:14.800 – 00:17:16.160] Dia nak tambah donation

[00:17:16.160 – 00:17:16.780] Yang keempat

[00:17:16.780 – 00:17:17.580] Tambah mate kat rumah

[00:17:17.580 – 00:17:18.020] Nombor lima

[00:17:18.020 – 00:17:18.900] Tambah personal assistant

[00:17:18.900 – 00:17:19.580] So ada sepuluh

[00:17:19.580 – 00:17:20.560] Semua sekali

[00:17:20.560 – 00:17:21.620] Lifestyle yang awak boleh upgrade

[00:17:21.620 – 00:17:21.940] Tapi

[00:17:21.940 – 00:17:23.440] Pilih satu ke dua sahaja

[00:17:23.440 – 00:17:24.160] Dan

[00:17:24.160 – 00:17:25.640] Standard of living awak

[00:17:25.640 – 00:17:26.600] Sebagai

[00:17:26.600 – 00:17:28.060] Business owner enterprise ni

[00:17:28.060 – 00:17:28.840] Katalah awak kata

[00:17:28.840 – 00:17:31.100] Oh saya wajib dapat 4K lah tuan

[00:17:31.100 – 00:17:31.460] Kalau tak

[00:17:31.460 – 00:17:32.120] Tak boleh nak survive

[00:17:32.120 – 00:17:33.740] At least ni dah ada savings jik

[00:17:33.740 – 00:17:34.980] Kena ambil yang level 4K

[00:17:34.980 – 00:17:36.780] Tapi kalau awak punya level

[00:17:36.780 – 00:17:38.280] Oh saya memang kena ada 10K

[00:17:38.280 – 00:17:39.940] maka nak tak nak

[00:17:39.940 – 00:17:41.000] awak memang kena

[00:17:41.000 – 00:17:41.780] design bisnes

[00:17:41.780 – 00:17:43.100] yang boleh dapatkan 10k

[00:17:43.100 – 00:17:44.560] sebab kalau awak

[00:17:45.760 – 00:17:46.780] berpuasa lama sangat

[00:17:46.780 – 00:17:47.560] awak bukan koyak

[00:17:47.560 – 00:17:48.700] that's why kita kena set

[00:17:48.700 – 00:17:49.240] yang standard

[00:17:49.240 – 00:17:50.100] ok

[00:17:50.100 – 00:17:50.700] berapa tadi

[00:17:50.700 – 00:17:51.380] perbezaan dia

[00:17:52.240 – 00:17:53.260] ok tengok eh

[00:17:53.260 – 00:17:54.940] awak kena tengok kat sini

[00:17:54.940 – 00:17:56.800] apakah perbezaan

[00:17:56.800 – 00:17:57.820] dan pro and con

[00:17:57.820 – 00:17:59.100] walaupun awak boleh search sendiri

[00:17:59.100 – 00:18:00.400] saya tolong carikan tu awak

[00:18:00.400 – 00:18:01.160] nampak

[00:18:01.780 – 00:18:03.240] soul prop dengan partnership

[00:18:03.240 – 00:18:03.900] dia

[00:18:03.900 – 00:18:05.180] kongsi ramai-ramai

[00:18:05.180 – 00:18:05.960] atas bawah tu

[00:18:06.600 – 00:18:07.420] kekurangan dia

[00:18:07.420 – 00:18:08.840] kekurangan dia adalah

[00:18:09.600 – 00:18:11.300] bawah tu risiko dia bergaduh

[00:18:11.300 – 00:18:12.600] sebab salah faham

[00:18:13.920 – 00:18:15.260] dan untung tu

[00:18:15.260 – 00:18:17.180] dia kena ikut peratusan yang dia persetujui

[00:18:17.180 – 00:18:18.620] maksudnya dia tak ada bertulis sangat

[00:18:18.620 – 00:18:20.160] peratusan tu dia ikut

[00:18:20.160 – 00:18:21.560] sebab tu penerangan dia

[00:18:22.440 – 00:18:23.740] lepas tu kalau awak tengok

[00:18:23.740 – 00:18:24.780] beza dia adalah

[00:18:24.780 – 00:18:26.620] partner lain tetap kena tanggung

[00:18:26.620 – 00:18:27.620] kalau seorang buat silap

[00:18:27.620 – 00:18:29.480] dia beza dengan sering bahat

[00:18:29.480 – 00:18:30.060] sering bahat

[00:18:30.060 – 00:18:32.140] kalau minority share bawah 20%

[00:18:32.140 – 00:18:33.960] dia tak bertanggungjawab sangat

[00:18:33.960 – 00:18:36.280] dia yang majority yang akan bertanggungjawab

[00:18:36.280 – 00:18:36.880] macam tu

[00:18:36.880 – 00:18:38.280] Dan juga kita tengok

[00:18:38.280 – 00:18:39.000] Cons

[00:18:39.000 – 00:18:40.760] Kalau seorang-seorang tu

[00:18:40.760 – 00:18:41.740] Belikan tunggal tu

[00:18:41.740 – 00:18:42.820] Dia memang terhad lah

[00:18:42.820 – 00:18:44.100] Terhad sikit

[00:18:44.100 – 00:18:44.620] Kan

[00:18:44.620 – 00:18:45.800] Dan juga

[00:18:45.800 – 00:18:46.860] Awak boleh tengok lah

[00:18:46.860 – 00:18:47.380] Kat situ

[00:18:47.380 – 00:18:48.480] Benda ni sama je

[00:18:48.480 – 00:18:49.480] Cuma

[00:18:49.480 – 00:18:50.760] Awak boleh search sendiri

[00:18:50.760 – 00:18:51.640] Dan

[00:18:51.640 – 00:18:52.600] Kalau tanya saya

[00:18:52.600 – 00:18:54.020] Awak boleh buat

[00:18:54.020 – 00:18:55.080] Partnership

[00:18:55.080 – 00:18:56.080] Tapi jangan ramai sangat

[00:18:56.080 – 00:18:56.960] Letak nama seorang

[00:18:56.960 – 00:18:57.640] Dua orang cukup lah

[00:18:57.640 – 00:18:59.260] Kalau tiga orang eh

[00:18:59.260 – 00:19:00.680] Tiga-tiga kena datang bank

[00:19:00.680 – 00:19:02.180] Oh itu paling saya sakit hati

[00:19:03.520 – 00:19:04.080] So

[00:19:05.240 – 00:19:06.260] Income on enterprise

[00:19:06.260 – 00:19:08.380] price, awak kena set salary awak

[00:19:08.380 – 00:19:10.060] dan salary ni akan di reset

[00:19:10.060 – 00:19:12.360] setiap 3 bulan. Contoh ni macam ni lah

[00:19:12.360 – 00:19:13.760] salary awak, awak letak 4K

[00:19:13.760 – 00:19:16.260] dan 4K awak ni, awak tahu tak sebenarnya

[00:19:16.260 – 00:19:18.400] dia akan di reset setiap 6 bulan

[00:19:18.400 – 00:19:19.740] contohnya awak kenalah ada kenaikan

[00:19:19.740 – 00:19:22.280] berapa kenaikan yang kita target, biasanya adalah

[00:19:22.280 – 00:19:24.360] 30%. Contoh kalau awak nak tahu

[00:19:24.360 – 00:19:26.200] punya survival eh, awak buat macam ni

[00:19:26.760 – 00:19:28.740] beza antara sini adalah 30%

[00:19:28.740 – 00:19:29.980] tambah 30%

[00:19:30.920 – 00:19:32.260] contoh, awak punya

[00:19:32.260 – 00:19:34.280] standard 4K, awak tolak

[00:19:34.280 – 00:19:35.000] 30% berapa?

[00:19:35.540 – 00:19:37.500] RM4,000 tolak 30%

[00:19:38.140 – 00:19:39.180] biasanya itu adalah

[00:19:39.180 – 00:19:39.800] awak punya level

[00:19:40.640 – 00:19:41.200] survival

[00:19:43.440 – 00:19:45.100] RM4,000 tolak 30%

[00:19:45.100 – 00:19:46.600] RM2,800

[00:19:47.200 – 00:19:48.200] tambah 30%

[00:19:48.200 – 00:19:50.300] RM4,000 tambah 30%

[00:19:52.450 – 00:19:58.010] RM3,000 tambah 30%

[00:20:00.380 – 00:20:01.320] RM5,200

[00:20:01.320 – 00:20:03.200] RM5,200

[00:20:04.340 – 00:20:04.980] RM5,200

[00:20:04.980 – 00:20:05.840] so inilah level

[00:20:05.840 – 00:20:06.980] nampak awak adalah

[00:20:06.980 – 00:20:08.060] kenaikan sikit RM1,200

[00:20:08.060 – 00:20:08.780] bolehlah tambah

[00:20:08.780 – 00:20:10.080] 1 lastal ke 2 lastal

[00:20:10.080 – 00:20:12.720] Tapi benda ni pun dia akan reset

[00:20:12.720 – 00:20:14.060] That's why sebagai business owner

[00:20:14.060 – 00:20:15.500] Sampai bila nak gaji RM4,000

[00:20:15.500 – 00:20:17.760] So awak kena set pada satu time lag

[00:20:17.760 – 00:20:20.320] Ibarat ni macam katalah gaji awak ni adalah RM4,000

[00:20:20.320 – 00:20:24.240] Dia akan di reset setiap 6 bulan

[00:20:24.240 – 00:20:25.820] Ataupun mungkin 9 bulan lah

[00:20:25.820 – 00:20:27.040] So ambillah sini 6 bulan

[00:20:27.040 – 00:20:28.940] Awak kena tambah lagi 30%

[00:20:28.940 – 00:20:29.740] Berapa? RM5,200

[00:20:30.500 – 00:20:32.000] Okay, tambah lagi 30%

[00:20:32.000 – 00:20:32.840] Daripada RM5,200

[00:20:32.840 – 00:20:33.220] Berapa?

[00:20:34.040 – 00:20:34.880] RM5,200

[00:20:34.880 – 00:20:36.280] RM67,60

[00:20:37.400 – 00:20:38.480] RM67,60

[00:20:38.480 – 00:20:40.340] Ini dah 6 bulan. Tambah lagi.

[00:20:41.200 – 00:20:41.840] 30%.

[00:20:43.560 – 00:20:44.200] 8788.

[00:20:46.920 – 00:20:47.560] 8788.

[00:20:48.200 – 00:20:50.480] Ini dah 6 bulan lah. Tambah lagi.

[00:20:51.960 – 00:20:52.600] 30%.

[00:20:52.600 – 00:20:54.440] 11.424.

[00:20:54.720 – 00:20:56.220] 11.424.

[00:20:56.740 – 00:20:58.340] Ini setelah 2 tahun.

[00:20:58.500 – 00:21:00.240] Bayangkan. Kita buat bisnes

[00:21:00.240 – 00:21:02.160] daripada mula ganja kita RM4,000.

[00:21:02.520 – 00:21:04.440] Okey tak okey? Kalau awak set

[00:21:04.440 – 00:21:06.540] minimum target, aku nak ada increment.

[00:21:07.600 – 00:21:09.060] Increment sebagai seorang bos.

[00:21:09.340 – 00:21:14.420] Sebagai owner, aku nak ada increment 30% setiap 6 bulan.

[00:21:14.700 – 00:21:15.720] Okay sangatlah tu.

[00:21:16.620 – 00:21:17.800] Ini tak sampai 6 bulan.

[00:21:17.900 – 00:21:19.080] 2 bulan dah ambil RM5,000.

[00:21:19.480 – 00:21:21.000] Lagi 2 bulan dah ambil RM6,000.

[00:21:21.100 – 00:21:22.360] Ini at least lebih selama lah.

[00:21:22.900 – 00:21:23.420] 30%.

[00:21:23.420 – 00:21:25.460] 30% nampak kenambahan dia.

[00:21:25.980 – 00:21:27.340] 30% macam tu.

[00:21:27.780 – 00:21:29.160] So that's why saya kata kena reset.

[00:21:29.700 – 00:21:32.600] Dan katakanlah awak ada partner yang tak bekerja.

[00:21:32.900 – 00:21:34.320] Partner awak ni ada yang bekerja.

[00:21:34.580 – 00:21:35.460] Ada yang tak bekerja.

[00:21:35.460 – 00:21:37.620] Sebab itulah kita nak kena check balik

[00:21:37.620 – 00:21:39.400] Kalau dia hanya keluarkan modal sahaja

[00:21:39.400 – 00:21:40.900] Dia tak sepatutnya dapat gaji

[00:21:41.620 – 00:21:42.920] Patutnya dia hanya dapat

[00:21:42.920 – 00:21:44.620] Projek niat profit sahaja

[00:21:44.620 – 00:21:45.480] Okay

[00:21:45.480 – 00:21:46.320] So

[00:21:46.320 – 00:21:50.240] Pula tu Heidi ni

[00:21:50.240 – 00:21:57.450] Okay next pula adalah

[00:21:59.530 – 00:22:00.470] Working partner

[00:22:00.470 – 00:22:01.010] Sleeping partner

[00:22:01.010 – 00:22:03.090] Okay working partner ni adalah partner yang bekerja

[00:22:03.090 – 00:22:04.510] So bayangkan awak ada dua partner

[00:22:04.510 – 00:22:06.350] Seorang partner adalah working partner

[00:22:06.350 – 00:22:07.550] Dia hari-hari datang ofis

[00:22:07.550 – 00:22:09.170] So orang yang working partner

[00:22:09.170 – 00:22:10.630] Yang hari-hari datang ofis

[00:22:10.630 – 00:22:11.890] Wajib dapat income

[00:22:11.890 – 00:22:13.430] Manakala sleeping partner ni

[00:22:13.430 – 00:22:14.930] Macam pakcik kita yang bagi duit

[00:22:14.930 – 00:22:15.650] Tapi tak buat kerja

[00:22:15.650 – 00:22:16.750] Orang macam ni

[00:22:16.750 – 00:22:17.870] Dia tak patut dapat income

[00:22:17.870 – 00:22:20.350] Dia patut dapat dividend sahaja

[00:22:20.350 – 00:22:21.750] Sebab itulah kita buat

[00:22:21.750 – 00:22:22.690] Konsep dividend kat sini

[00:22:22.690 – 00:22:24.030] Katalah yang ni

[00:22:24.030 – 00:22:25.410] 30% ni adalah sleeping

[00:22:25.410 – 00:22:26.990] So sleeping ni

[00:22:26.990 – 00:22:27.690] Dia kena tunggulah

[00:22:27.690 – 00:22:28.910] Selang 3 bulan ke

[00:22:28.910 – 00:22:29.810] Selang 6 bulan ke

[00:22:29.810 – 00:22:30.450] Dan

[00:22:31.310 – 00:22:32.750] Bila awak bagi gaji ni

[00:22:32.750 – 00:22:33.550] Kalau boleh bagi

[00:22:33.550 – 00:22:34.270] Based on job scope

[00:22:34.270 – 00:22:35.450] Janganlah lebih sangat

[00:22:35.450 – 00:22:36.350] Contohnya awak set

[00:22:37.310 – 00:22:38.630] Katalah awak ada 3 orang

[00:22:38.630 – 00:22:39.270] Working partner

[00:22:39.270 – 00:22:40.410] Ketiga-tiga ni

[00:22:40.410 – 00:22:41.390] Seorang buat sale

[00:22:41.390 – 00:22:42.610] Mungkin gaji ni lebih sikit

[00:22:42.610 – 00:22:43.850] Oh, seorang buat ni lah.

[00:22:43.890 – 00:22:45.270] Dia ikut JobScope walaupun partner.

[00:22:45.650 – 00:22:47.830] Jangan amalkan sangatlah bahagi sama raka.

[00:22:48.030 – 00:22:50.110] Sekarang-kadang JobScope yang dia buat tu tak heavy.

[00:22:50.270 – 00:22:51.370] Kita kena bincang balik lah.

[00:22:51.710 – 00:22:52.810] Engkau buat heavy tak bro?

[00:22:52.870 – 00:22:53.550] Engkau datang berapa kali?

[00:22:53.710 – 00:22:54.950] Aku rasa aku tak heavy sangat lah.

[00:22:55.050 – 00:22:56.330] Boleh tak kau ambil gaji RM2,000 je?

[00:22:56.610 – 00:22:58.690] Aku kena ambil RM3,500 sebab aku datang hari-hari.

[00:22:58.790 – 00:22:59.490] Based on JobScope.

[00:23:00.010 – 00:23:00.090] Okay.

[00:23:00.450 – 00:23:02.710] Dan nombor tiga adalah tiga jenis dividend.

[00:23:03.130 – 00:23:03.210] Okay.

[00:23:03.330 – 00:23:04.090] Tiga jenis dividend.

[00:23:04.510 – 00:23:06.810] Dividend yang pertama dipanggil sebagai

[00:23:07.830 – 00:23:08.870] tiga jenis dividend.

[00:23:09.110 – 00:23:11.350] Yang pertama dipanggil sebagai final dividend.

[00:23:11.350 – 00:23:13.430] Dividend yang dibayar pada hujung tahun ni

[00:23:13.430 – 00:23:15.070] Kita akan explain nanti pada chapter seterus ni

[00:23:15.070 – 00:23:16.550] Tapi saya explain briefly sahaja

[00:23:16.550 – 00:23:18.170] Final ambil hujung tahun

[00:23:18.170 – 00:23:19.110] Intrim

[00:23:19.110 – 00:23:20.450] Intrim dividend

[00:23:21.270 – 00:23:23.610] Diambil setiap 3 bulan ke

[00:23:23.610 – 00:23:24.510] 2 bulan ke

[00:23:24.510 – 00:23:25.230] 6 bulan ke

[00:23:25.230 – 00:23:25.990] Dia ada jadual ni

[00:23:25.990 – 00:23:27.210] Bila ambil lebih awal

[00:23:27.210 – 00:23:28.770] Dan special dividend

[00:23:28.770 – 00:23:29.730] Kita ambil

[00:23:29.730 – 00:23:31.070] Suka hati kita

[00:23:31.070 – 00:23:32.110] Sepena raya

[00:23:32.110 – 00:23:33.130] Perform dan sebagainya

[00:23:33.130 – 00:23:35.490] Dan bila kita ambil dividend ni

[00:23:35.490 – 00:23:37.490] Kita sebenarnya nak carangkan

[00:23:37.490 – 00:23:39.230] Awak ambil intrim dividend

[00:23:39.230 – 00:23:39.950] Bukannya final

[00:23:39.950 – 00:23:40.770] Final lambat sangat

[00:23:40.770 – 00:23:42.150] Walaupun awak enterprise

[00:23:42.150 – 00:23:43.610] So awak set lah

[00:23:43.610 – 00:23:44.110] Macam saya

[00:23:44.110 – 00:23:45.130] Saya lebih prefer kuarta

[00:23:45.130 – 00:23:46.830] Kuarta satu

[00:23:46.830 – 00:23:48.250] Kuarta dua

[00:23:48.250 – 00:23:49.850] Kuarta tiga

[00:23:49.850 – 00:23:51.350] Kuarta empat

[00:23:51.350 – 00:23:52.810] Dekat sini ambil

[00:23:53.610 – 00:23:55.270] Dekat sini lah tempat untuk awak

[00:23:55.270 – 00:23:56.290] Mengambil dividend awak

[00:23:56.290 – 00:23:57.210] Dekat sini

[00:23:57.210 – 00:23:59.690] Ambil lah dividend satu

[00:23:59.690 – 00:24:00.410] Dah keluar

[00:24:00.410 – 00:24:02.550] Dekat sini ambil dividend dua

[00:24:02.550 – 00:24:03.110] Dah keluar

[00:24:03.110 – 00:24:04.650] Eh masuk

[00:24:05.630 – 00:24:06.530] Masuk eh

[00:24:06.530 – 00:24:07.870] Alamak

[00:24:07.870 – 00:24:08.910] Tak nampak

[00:24:08.910 – 00:24:10.550] Boleh lah kot eh

[00:24:12.170 – 00:24:13.290] Dividend 1

[00:24:14.670 – 00:24:16.750] Sini dividend 2

[00:24:16.750 – 00:24:17.430] Dah keluar

[00:24:17.430 – 00:24:19.210] Sini dividend 3

[00:24:19.210 – 00:24:20.730] Sini dividend 4

[00:24:20.730 – 00:24:21.130] Dah keluar

[00:24:21.130 – 00:24:21.850] Itu maksud ni

[00:24:21.850 – 00:24:22.670] So

[00:24:22.670 – 00:24:23.970] Habislah sudah

[00:24:23.970 – 00:24:25.310] Untuk chapter yang pertama

[00:24:25.310 – 00:24:25.830] Tahniah

[00:24:25.830 – 00:24:27.330] Walaupun awak sering berhad

[00:24:27.330 – 00:24:28.610] Awak boleh tengok juga video ni

[00:24:28.610 – 00:24:29.410] Mudah-mudahan

[00:24:29.410 – 00:24:30.770] Memberi pencerahan kepada awak

[00:24:30.770 – 00:24:32.350] One day awak nak buka enterprise

[00:24:32.350 – 00:24:32.910] Pun senang

[00:24:32.910 – 00:24:33.550] Jadi

[00:24:33.550 – 00:24:35.450] Kita jumpa dalam video yang seterusnya

[00:24:35.450 – 00:24:36.430] Saya nak explain pula

[00:24:36.430 – 00:24:38.490] Tentang syarikat senderian berhad

[00:24:38.490 – 00:24:39.630] Zas