On a portion of my future

Ever since last weekend, I've been thinking about one or two things on my future. I admit that I was a bit frustrated of myself ever since I quit my job at Daiso, It made me thought of myself as feeble and undetermined. To tell the truth, I hope I have a job right now, I'd tried to find a job which is closer to home in term of place regardless of how much was the pay (cannot be too cheap of course), but I came to fail because I only have another one month of vacation, and now I'm in the middle of December, to make it worse. My frustration was a bit worse yesterday when I went to a mall where I worked at, and found out that a girl who was working with me when I worked there was still working, that sure made me looked weak, and she did make a joke out of me yesterday. 

Rule has it to not write more than 2 pages on any subject, but how many lines exactly if it is to be written in a blog? 

I'm kinda tired of working for people, but that is at most inevitable (in my situation), everyone knows that, unless those who are successful enough to find not a distinction between working and playing, because working isn't the same as helping, but there is people who ask for helps but they ask as if we are working for them, and that's wrong, so I thought "Why not let someone or something works for me?". I read several books and I found two choices that I could choose from, both or any one of them, that are; 

To have people works for me, or 
to have money works for me.

Robert Toru Kiyosaki, a person well known for his best-selling book Rich dad Poor dad, and being controversial on the existence of his 'Rich Dad', he divided cash flow to four quadrant, Employee, Self-Employed, Businessman, and Investor. Cash flow is the movement of money in or out of business, or project, and it acts as an indicator to one financial health. In my case, to have people works for me is through business, and if I were to have money works for me, it could be through investment. 

Albeit with the ideas, as a muslim, I have to do everything in its context. Working at Daiso is one thing, but now is another thing, in fact; it involves a vast and bigger subjects, to add it up, it's global. I've done several finding since days ago, and I knew that not all kind of business is permissible in islam, and not all kind of investment is permissible in islam. I'm more keen to investment, though. 

It's written in muslim's criterion, the Quran, Allah 'Azza wa Jalla stated that "O ye who believe! Intoxicants and gambling, (dedication of) stones, and (divination by) arrows, are an abomination,- of Satan's handwork: eschew such (abomination), that ye may prosper. Satan's plan is (but) to excite enmity and hatred between you, with intoxicants and gambling, and hinder you from the remembrance of Allah, and from prayer: will ye not then abstain?" [Al-Mā'idah 5:90-91]

Amongs the impermissible investment or business in islam: 
-Conventional Financial Service 
-Pork and pork products 

I don't know much about investing, but if I were to invest, I would invest in stock market for two, long term and short term, which mean I'll be an investor who invest in stock market, and a stock trader at the same time. There is another term, speculator, who buy stock when its price low and 'pray' that it price would rise so that they could sell it at a higher price later. A difference between investor and speculator is one do a thorough research before buying a stock while the other don't. 

In two hadiths, it's written about the impermissibility of Gharar  

Abu Huraira (Allah be pleased with him) reported that Allah’s Messenger (may peace be upon him) forbade a transaction determined by throwing stones, and the type which involves some uncertainty.  [Sahih Muslim Book 10, Hadith 3614]

Yahya related to me from Malik from Abu’r-Rijal Muhammad ibn Abd ar-Rahman ibn Haritha from his mother, Amra bint Abd ar-Rahman that the Messenger of Allah, may Allah bless him and grant him peace, forbade selling fruit until it was clear of blight. Malik said, “Selling fruit before it has begun to ripen is an uncertain transaction (gharar).” [Malik’s Muwatta, Book 31, Hadith 31.8.12]

In islam, there is a term 'gharar' for something that's unknown or uncertain, and it isn't permissible to get involve in something that's uncertain, it'll be like a gamble, Islam worn muslim about uncertainty to keep muslim safe; sure there are individuals who win by risking themselves, but they are minority. The term is used even in the world of investing and trading, especially when it involves a volatile market that's hard to read, and the investor or trader who knows not how to do the work. It'll be permissible if the uncertainty could be reduced. For that reason, I will read lots of books and try to invest and trade online using virtual money, that's to play it as a game, as an early step. Later, I'll try to learn about Technical Analysis as an effort to invest or trade from the outside (external factors, e.g. by looking at chart), and learn to invest or trade from the inside (internal factors), buying a stock mean that I've a portion of company's business after all, so I should know about the company and what it'll come up with. So I came up with these plans: 

-Read more books 
-Come up with a financial statement, weekly if not daily, monthly if not weekly
-Invest and trade virtually as a starting step 
-Analyse my financial statement
-Learn some vocabularies needed for the subject 
-Learn technical analysis 
-Learn how to invest from the inside 
-Find a good online broker (I've been targeting OSK188)
-Learn to reduce risk, maximise profit 
-Learn from mistakes 

And my routes to financial freedom(as to recent) are: 
-Debt free 
-Smart investment (e.g. stock market, real estate) 
-Smart trading (e.g. stock market, islamic foreign exchange i.e. no rollover interest)
-Find a way to passive income (e.g. Dividends, +ve Net rental income, Business income)
-Open a restaurant or find a new idea for fast food (I love potato and bread)
-Buying assets (e.g. Debt-free house, debt-free land)
-Mutual funds 

I still have lots to learn regarding all these matters, and I hope there would be people who is willing to help me in my way to financial freedom. Notwithstanding my claim to be an investor or trader, I still am planning to work for salary, just to hire some money to work for me :D If you by any mean read my article, I'm sorry because there isn't many from my article that you could learn, it's more to personal, but if you have some points or ideas to share, feel free to leave comment. 

Just something to share, I have no idea what is it but click here if you want to read an article about 3 different routes to financial freedom.

An article by Azizi NET

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