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The First Step for Managing Personal Finance

Telling/saying is easier than done. Telling others to follow or manage their personal budget is easier than practice by ourself. It is said that “ Don’t tell others anything if you don’t do what you preach.” Sometimes, it is very hard to find out the first step to start. Fortunately, according to the Game “ Moneyrace ”, which teaches player to build their passive income and find financial security and freedom, and its own blog, taking the first step is not very hard. Below is the extract article from its blog and credit to this website. You may find the translate in Khmer language in the attached file: In the expenses column, you will record all monthly expenses classifying them into three categories:  Compulsory expenditure  (which you can not stop paying and they are  constant ); for example, rent or home mortgage, a bank loan that you have requested, quotas for Social Security, or payment of your community. Necessary expenses  (you can not stop payi...

យល់ដឹងពីជំងឺឆ្កែឆ្កួត និង វិធីបង្ហារ

ដកស្រង់ពី គេហទំព័រថ្មី ថ្មី (https://thmeythmey.com/?page=detail&id=31243) ដោយ​វេជ្ជបណ្ឌិត Arnaud Tarantola  ប្រធាន​មជ្ឈមណ្ឌល​បង្ការ​ជំងឺ​ឆ្កែឆ្កួត​នៃ​វិទ្យាស្ថាន​ប៉ាស្ទ័រ​កម្ពុជា   ជា​រៀងរាល់ឆ្នាំ ទិវា​ពិភពលោក​ប្រឆាំង​ជំងឺ​ឆ្កែឆ្កួត​តែង​ត្រូវបាន​ប្រា​រព​ធ្វើឡើង​នៅ​ថ្ងៃទី ២៨ ខែកញ្ញា។ ជំងឺ​ឆ្កែឆ្កួត​ត្រូវបាន​គេ​ស្គាល់​តាំងពី​បុរាណកាល​មកម្ល៉េះ ប៉ុន្តែ​ការព្យាបាល​ជំងឺ​នេះ​មិនមាន​ការវិវត្ត​អ្វី​ទាល់តែសោះ​រហូតមកដល់​បច្ចុប្បន្ន។ អស់​រយៈពេល៤ ៥០០ឆ្នាំ​មកហើយ ជំងឺ​ឆ្កែឆ្កួត​នៅតែ​ជា​ជំងឺ​គំរាមកំហែង​ខ្លាំង​បំផុត​ដល់​ជីវិត​មនុស្ស ព្រោះថា​ក្រោយ​ពេលចេញ​រោគសញ្ញា អ្នកជំងឺ​ត្រូវ​បាត់បង់​ជីវិត១០០%តែម្តង ។ ការបង្ការ​ជំងឺ​នេះ​អាច​ត្រូវបាន​ធ្វើឡើង​តាមរយៈ​ការចាក់​ថ្នាំ​បង្ការ​មុនពេល​សត្វ​ខាំ ឬ​ក្រោយពេល​សត្វ​ខាំ ប៉ុន្តែ​ត្រូវធ្វើ​មុនពេល “បង្ក​រោគ” ។ វីរុស​ជំងឺ​ឆ្កែឆ្កួត (ពួក Lyssavirus) ដែល​រស់នៅក្នុង​ទឹកមាត់​សត្វ (ឆ្កែ ឆ្មា ឬ​ថនិកសត្វ​ស្រុក ឬ​ព្រៃ​ផ្សេងទៀត) ឆ្លងទៅ​មនុស្ស​ភាគច្រើនបំផុត​តាមរយៈ​ការ​ខាំ ប៉ុន្តែ​វា​ក៏​អាច​ឆ្លងតាម​រយៈ​ការ​ក្រញៅ ឬ​ការ​លិទ្ធ​ដំបៅ​នៅលើ​ស្បែក ឬ​ការ​...

"You can never have a true freedom without financial freedom"

Rich Dad, Robert Kiyosaki, wrote in his book "Cashflow Quartdrant" that you can never have true freedom without financial freedom. This quote is really true to me both in term of financial decision or economic decision. Financial freedom, i try to give definition by myself, refer to the ability to make any decision without any interfere or influence of finance. Meaning that you can make your decision independently and money has zero influence on you. For example, you want to buy a Lexus 2019, as long as you have money in your bank account, you can buy it. However, if you are currently broke, or has obligation to pay loan on a monthly basis, it is hard for you to decide to buy anything because the first you need to do is paying loan unless you have secured source revenue come in your pocket monthly. With the real case of my neighbor, he has only one source of revenue, his salary. currently, he has to pay loans both formal and informal, about 70% of his salary each month...

Book Review: "Who Moved My Cheese?

I've been read a lot of books in the last few years, yet I found one book so catching "Who Moved My Cheese?". This book kept me re-read several times, even watched the short movie in YouTube, but I felt I got new things/ideas from this book every time I read it. The concept of this book is about "Change". the way that the author Xxxxx presented his idea was through metaphor by telling the story of 4 characters: - The mices:  - The little humans: Hem and Hor Even though the book was written in late 1980s, it still can be applied in our work and life. Change happens everyday if we carefully spot it. our age, skin, body changed. the weather changed. Our feeling changed.  The whole concept of this book is to how to be well-prepared for changes, spot the change, and deal with change. Change is somehow better if we know how to use it as opportunity. I would recommend you read this book. it is just about 40 pages, but we can get countless ideas from it...

Deal with Big Boss

Have you ever felt that you were not valuable on your tasks when you showed it to your boss? Have you ever felt that whatever you did was not the appreciated or what your boss like?  If you used to, don't feel discouraged or angry with your boss. Ask yourself a few questions "1. Have you asked your boss what he wants?" 2. Have you verified your understanding with your boss?" 3. Have you double checked on thing you felt doubt?" If the answer is NO, means that you are wrong. Most employee usually assume that they knew what their boss want and not really dare to ask questions for the fact that their boss may feel they are not smart enough. However, ene should know that BIG boss are too busy and he/she doesn't have much time on explanation, but during the task assignment, it is ok to ask whatever questions, but after that you still have time to ask, but do not often. Once in a while, it is suitable to just verify the information.  Thus, don't fe...

របៀបបំលែងឯកសារស្លាយ​(Slides)ជាភីឌីអេស (PDF)

មានវិធីសាស្ត្រជាច្រើនដែលអ្នកអាចបំលែង(Convert) ស្លាយ ទៅជា ភីឌីអេស ដូចជាៈ តំលើងកម្មវិធីបំលែង បំលែងតាមអនឡាន បំលែងផ្ទាល់ក្នុងកម្មវិធី Microsoft Power Point ថ្ងៃនេះ ក្រុមការងារ Let's Share សូមធ្វើការបង្ហាញពីការបំលែងស្លាយតាមរយៈកម្មវិធីMicrosoft Power Point។ ជំហ៊ានទី១ៈបើកឯកសារលាយដែលលោកអ្នកចង់បំលែងក្នុងកម្មវិធីMicrosoft Power Point   ជំហ៊ានទី២ៈ ចុចលើ "File" ជ្រើសរើសយក  "Save As"  បន្ទាប់មក នៅជ្រើសរើសយកទីតាំងរក្សាទុកឯកសារក្នុងកុំព្យូទ័រ។  បន្ទាប់មកទៀត នឹងមានផ្ទាំងមួយចេញមកដើម្បីអោយយើងកំនត់ទីតាំងក្នុងដ្រាយ (Drive) មួយណាដើម្បីរក្សាឯកសារ។ ចុចលើ "File Type" រួចជ្រើសរើស យក "PDF(.pdf) ហើយចុច "Save" ជាការស្រេច។     លោកអ្នកក៏អាចមើលវីឌីអូបង្ហាញតាមរយៈតំណនេះ៖​ https://www.youtube.com/watch?v=bXTxqlcejDE.

Official Announcement: Samsung Galaxy A/A+ (2018)

Samsung just officially announced the 2018 series of Galaxy A with 2 models: Galaxy A8 (2018) and Galaxy A8+(2018). Both models come with attractive features especially the Dual camera. Specification of Galaxy A8 (2018): Display 5.60 Inch, FHD+ Super AMOLED Processor 1.6 GHz Octa Core Resolution 1080x2220 pixels Front Camera Dual Camera, 16 MP FF (f1.9)+ 8 MP FF (f1.9) Rear Camera 16 MP (f1.7) Memory 4 GB RAM, 32/64GB Battery 3,000mAh, Fast Charging type C OS Android 7.1.1 Specification of Galaxy A8+ (2018): Display 6.0 Inch, FHD+ Super AMOLED Processor 1.6 GHz Octa Core Resolution 1080x2220 pixels Front Camera Dual Camera, 16 MP FF (f1.9)+ 8 MP FF (f1.9) Rear Camera 16 MP (f1.7) Memory ...