Perlawanan pertama pasukan Brunei DPMM FC semalam memanglah saya nanti-nantikan, teringat semasa zaman kegemilangan Skuad Tebuan dahulu. Rasa teruja sangat perasaan ini apabila memasuki Stadium Hassanal Bolkiah Berakas Walaupun Stadium tidaklah dipenuhi penyokong – penyokong Brunei DPMM FC, dan cuaca pula masa itu hujan lebat. Saya tetap mahu menyaksikan perlawanan diantara Brunei DPMM FC lawan Tampine Rovers.

Perlawanan semalam bolehlah saya katakan hebat, walaupun pasukan Brunei DPMM FC hanya mampu seri 2-2 dengan Tampines R. Dan saya sebagai peminat sukan bola sepak, banyak yang perlu diperbaiki dari segi pertahanan, Team work dan finishing. Dan apa yang saya perhatikan Shah Razen bermain sekejap bersemangat sekejap tidak. Shah Razen memanglah pemain yang hebat tapi kalau semangat di atas padang sekejap ada sekejap tak, Memang hancurlah dari segi serangan. Begitu juga pemain import yang berjersey nombor 10 Tales Ricate Dos Santos . Bagi saya dari segi permainan beliau, mestilah dipertingkatkan lagi.

Pujian saya berikan kepada pemain ini Rosmin Khamis, Kerana beliau bermain begitu bagus diatas padang, beliau mengelecek bola, larian pantas tetapi sayangnya pemain lain tidak membantu beliau. Masing – masing hanya menunggu bola dan Rosmin hanya berkeseorangan disitu dikelilingi pemain lawan.


Pujian juga saya berikan kepada pemain pertahanan tinggi lampai yang berjersey nombor 4 Tales Kanu. Permainan beliau boleh saya katakan terbaik. Tapi diminit -minit akhir. Pasukan Brunei DPMM FC sepatutnya menguatkan lagi dibarisan pertahanan dan banyak membuat clear ball bagi mengekalkan kedudukan mendahului pasukan lawan 2-1. Dan seperti kita ketahui pasukan lawan berjaya menyamakan kedudukan 2-2. Pasukan Brunei DPMM Fc terpaksa berhempas pulas mengatur strategi dari segi serangan dan pertahanan.

Secara keseluruhannya, Permainan pasukan Brunei DPMM FC boleh saya katakan berjaya menandingi pasukan-pasukan luar. Saya berharap pasukan ini akan berjaya merangkul kejohanan bola sepak dan sekali lagi menaikkan lagi semangat Skuad ‘Tebuan 1999′ dikalangan penyokong – penyokong. Ini supaya penyokong-penyokong akan dapat memenuhi Stadium Hassanal Bolkiah Berakas untuk menyokong pasukan yang saya gelar ‘ SKUAD GEGAR!! ‘

“MAJULAH SUKAN BOLA SEPAK UNTUK NEGARA BRUNEI”

“GEGAR! GEGAR!! DPMM FC HEY!! HEY!!!”

                                                                                                                     Wouldn’t it be great to be financially secure — to never have to worry about money?

What would it take to get there? In fact, what exactly is financial security?

Ask ten people to define how much money it takes to attain financial security and you will probably get ten different answers. For some people, financial security is having $10 million in the bank. For others, it’s $50 million.

I doubt anybody would say $1 million. Being a uni-millionaire isn’t what it used to be. With the median home price in the United States around $220,000 (the median price in my hometown, Seattle, is pushing $425,000), there may not be much left after paying off the mortgage. Even having the full million in the bank earning 5% per year will only produce an income of $50,000 per year. That’s not bad, but not enough to jet around the world and party with Paris Hilton, Mick Jagger, and Diddy.

What about $10 million? At 5%, that will generate an annual income of $500,000 — without working. Now we’re talking some real money!

The problem with defining financial security in these terms is that having $10 million, $50 million or even $1 million is a pie-in-the-sky dream for most Americans. We’d all like to have millions of dollars, and it’s not bad to aspire to that goal. The problem is, if we define financial security by such large amounts of money, most of us will believe that it’s out of our grasp. Instead, we should use a realistic definition of financial security that can be achieved whether somebody makes $10,000 a year or $1,000,000.

First, let’s look at what financial security is not.

Financial security isn’t making or having a certain amount of money. There are many people who have made millions of dollars who are not financially secure. Stories about musicians, superstar athletes and multi-million-dollar lottery winners who end up in bankruptcy court are so common that they’ve become a cliché. If someone makes $500,000 a year, but spends $600,000, are they financially secure? Of course not.

Financial security also isn’t limited to being independently wealthy, having servants bring you martinis by the pool, and flying your private jet to Monaco to party with heiresses, super-models, and rock stars. If that’s what you want, then go for it, but this is a very narrow definition of financial security.

I prefer a broader definition, one that puts financial security within the reach of anybody with a desire to improve their financial situation, and a little bit of discipline.

To me, financial security consists of four things:

1)  Being debt-free
Consider two women: Jill makes $35,000 a year. She has $250 in her savings account, and owes $10,000 on her credit cards. Joan makes $35,000 a year. She has $10,000 in her savings account, and owes $250 on her credit cards.

Which woman do you think feels financially secure? Which sleeps better at night?

Certain debt is understandable. Few people have the money to write a check for a car or a house. Borrowing money for an education or to start a business may also be acceptable, but borrowing money for other reasons is probably a mistake.

How many of you are still paying off the credit card debt for:

• The vacation you took last summer?
• The elegant, romantic Valentine’s Day dinner last February?
• The pair of expensive Italian shoes you just gave to Goodwill?
• Christmas presents your kids no longer play with?
• Electronic equipment that has since become obsolete?

When you owe somebody money, they have power over you. You go to work, even if you don’t want to, because you have to pay back your debt. If you don’t pay, you can be sued, your car can be repossessed, or your house can go into foreclosure. That doesn’t sound like security to me.

2)  Being in control of your expenses
As I mentioned earlier, if you earn $500,000 a year, but you’re spending $600,000, you’re on your way to the poorhouse. If you control your expenses so that they are less than your income, you can save and invest the extra money, and you’re on your way to becoming financially secure.

3)  Consistently increasing your savings/assets/net worth on a monthly basis
Most people have little to show for years or even decades of hard work. For whatever reason, they can’t or won’t save money and they’re one paycheck away from being destitute.

We should focus on saving money every month. It’s a great feeling to watch your savings grow, especially because the interest compounds without any extra effort from you. Instead of you working for money, your money can work for you.

4)  Not being forced to work at a job you dislike just to pay the bills
Many people live paycheck-to-paycheck and are stuck at jobs they don’t enjoy because they have to pay their bills. If they quit their jobs or were laid off, it wouldn’t take long before they were in dire financial trouble

If you are debt-free, control your expenses, and focus on increasing your savings on a monthly basis, you can survive tough times, such as a layoff, for months, or even years, without a change in your lifestyle. You will also have the freedom to quit a job you don’t like and take your time finding a new job, preferably one that you will enjoy.

Financial security is an admirable goal for which we should all strive. However, it’s important to define financial security so that it is achievable for the average American. Being debt-free, controlling our expenses, increasing our savings every month, and doing what we love can lead to happy, fulfilling, and prosperous lives for us all.

When Steve Jobs returned to Apple in 1997, the tech company he co-founded more than two decades earlier was on the brink of failure. During the final quarter of 1996, Apple’s sales plummeted by 30 percent. Microsoft was the dominant computer company in the market.

As Isaacson recalls in his biography on Jobs, a Fortune magazine story from that time said this of the company: “Apple Computer, Silicon Valley’s paragon of dysfunctional management and fumbled techno-dreams, is back in crisis mode, scrambling lugubriously in slow motion to deal with imploding sales, a floundering technology strategy, and a hemorrhaging brand name.”

Fresh off a partnership deal with Microsoft that injected Apple with $150 million, one of Jobs’ first goals as CEO was to review the company’s sprawling product line. What he found out was that Apple had been producing multiple versions of the same product to satisfy requests from retailers. For instance, the company was selling a dozen varied versions of the Macintosh computer.

Unable to explain why so many products were necessary, Jobs asked his team of top managers, “Which ones do I tell my friends to buy?” When he didn’t get a simple answer, Jobs got to work reducing the number of Apple products by 70 percent. Among the casualties was the Newton digital personal assistant. Unfortunately, the cut-backs also resulted, in part, in a workforce reduction of about 3,000 employees.

“Deciding what not to do is as important as deciding what to do,” Jobs says in the book. “It’s true for companies, and it’s true for products.”

Moving forward, Jobs’ strategy was to produce only four products: one desktop and one portable device aimed at both consumers and professionals. For professionals, Apple created the Power Macintosh G3 desktop and the PowerBook G3 portable computer. For consumers, there was the iMac desktop and iBook portable computer. (According to Jobs, the “i” emphasized that the devices were directly integrated with the internet.)

The move to a smaller product line and a greater focus on quality and innovation paid off. During Jobs’ first fiscal year after his return, ending in September 1997, Apple lost $1.04 billion and was “90 days from being insolvent,” Jobs says in the book. One year later, the company turned a $309 million profit.

Jobs’ plan also laid the groundwork for Apple’s continued innovation. The company introduced revolutionary products including the iPod portable digital audio player in 2001, an online marketplace called the Apple iTunes Store in 2003, the iPhone handset in 2007 and the iPad tablet computer in 2010.

Take your knack for interior design and remodeling to the next level by starting one of these five home design businesses.

There’s a good reason why cable TV networks like HGTV, The Learning Channel and DIY Network have such a huge following from coast to coast: The home design and improvement industry is hot, hot, hot and is showing no signs of cooling off. There may be no better time than the present to tool up your skills and fire up your enthusiasm for a career in this creative and fulfilling field.

Opportunities Abound
But while Americans are keenly interested in home improvement and home design and have made household names out of “Extreme Makeover: Home Edition’s” Ty Pennington, professional organizer Peter Walsh from “Clean Sweep” and other home design show hosts, the fact is many don’t have the time, talent or inclination to undertake such projects themselves. Or they enthusiastically take up a paintbrush, rearrange the furniture or make a stab at organizing their lives, then toss up their hands in defeat when they realize it’s not as easy as it looks. (They don’t put those disclaimers about contacting a professional for help at the end of shows like “Weekend Warriors” for nothing.)

All this means there are plenty of opportunities for entrepreneurs like you to start what we are broadly calling a home design business. In Home Design Services Start-Up Guide, we’ll give you the advice you need to start five different home design services: interior design, interior redesign, professional organizing, building preservation/restoration, and faux painting. Read on for a closer look at starting these businesses:

Interior Design
If you have a knack for planning spaces and coordinating furnishings and accessories, then this is the field for you. Interior designers (aka decorators, if they don’t hold a degree from an accredited university or college) beautify, improve and update the appearance and functionality of interior spaces in both residential and business settings. Many specialize in a particular type of design, like kitchen design or lighting solutions, and many augment their income by selling decorative products like accessories and furniture.

According to the 2004-05 Occupational Outlook Handbook (OOH), there are approximately 60,000 interior designers in the United States, one-third of whom are self-employed. This is the only design field regulated by the government-nearly half the states, the District of Columbia, Puerto Rico and seven Canadian provinces require licensing for interior designers. To become licensed, designers must pass a rigorous certification exam, which they can only take after they’ve accumulated six years of experience in the field and a college degree. But this is not to say that you can’t become a designer if you don’t have these qualifications. Rather, if you live in one of the jurisdictions where licensing is required, you can call yourself a decorator instead and do all the same things a designer does and still be in compliance with local laws.

Employment prospects for designers are excellent, according to the OOH, which says, “Overall employment of designers is expected to grow about as fast as the average for all occupations through the year 2012.” So if this is your preferred trade, now is the time to launch a business.

Interior Redesign
Imagine taking stock of a person’s furnishings and decorative accessories, then rearranging or “repurposing” them in the same space. That’s the function of the interior redesigner, who uses design skills similar to those of the interior designer to work his or her magic. There are actually two career paths in interior redesign. The first is in residential or commercial redesign; the second is in real estate staging, in which the redesigner sizes up a home for sale and makes improvement and updating suggestions that can help the home sell faster.

Although the notion of interior redesign has been around for the past 20 years, the concept has only just caught on and become mainstream in the past five to seven years. As a result, there is no hard data or statistics to suggest exactly how many redesigners there are. But thanks to the efforts of a handful of people who blazed a trail in the field, redesign is now heating up. Shows like HGTV’s “Designed to Sell” are helping to make redesigners even more sought after.

Professional Organizer
This is another field that’s still in its infancy but growing fast. Professional organizers cut through the clutter in people’s homes and businesses to help them live simpler, more organized lives. They also develop customized organizational plans using filing and storage systems that their clients can live with and maintain easily.

While there aren’t any available statistics on the number of professional organizers practicing today, what is known is that the National Association of Professional Organizers, which was established in 1985, counts 3,200 people among its membership. There’s also a similar organization in Canada. Because there are no educational requirements, few equipment/tool costs and no licensing issues, this is one of the easiest home design businesses to establish.

Restoration/Preservation
This is the field that Bob Vila single-handedly launched in the mid-’70s and is being perpetuated today by shows like “Restore America.” Restoration/preservation professionals (also know as conservationists) may specialize in one type of home project, such as carpentry, or may act as general contractors and handle various types of projects on homes and businesses that were built before 1930. (Anything after that date is considered to be from the modern era.) You’ll find these pros engaged in just about any home building activity related to electricity, plaster, masonry, stucco, woodworking, tile, tin ceilings, painting, post and beam construction, and the preservation/conservation of vintage elements like horsehair plaster, fresco, adobe and lime plaster, to name just a few. These professionals also use their skills to preserve and save objects like furniture and accessories. However, make no mistake: A restoration/preservation professional does not renovate. Rather, he or she either restores buildings or objects to their former state or preserves them in their current condition so there is no further deterioration.

And the work is definitely there. According to the National Trust for Historic Preservation Main Street Approach program, called Historic Preservation Equals Economic Development, 96,283 building rehabilitations undertaken since 1980 in more than 1,700 communities have resulted in 244,543 jobs and 60,577 new businesses. So there’s room for you, too.

Faux Painting
This purely decorative art form is usually practiced by true artists, although it is possible to achieve a certain level of competence through hands-on instruction. “The key to success is being able to follow step-by-step instructions and take your time,” says faux painter Brian Bullard, who’s also owner of The Decorative Arts Center in St. Louis. Faux painters apply decorative finishes to walls, ceilings, floors, furniture and accessories. They use paint, glazes and other media, and must be masters at mixing colors and applying them with just the right touch. Among the types of faux finishes popular today are marbling, precious stone, patina, trompe l’oeil and stenciling.

Bullard says that because of the specialty nature of the job and the technical skill involved, faux painters can earn $400 a day or more, or around $60 by the hour. Other faux painters say it’s possible to earn up to $1,000 a day depending on the size and scope of a project as well as who’s footing the bill.

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