UNIT TRUSTS MILLIONAIRES

The Magical Power of WORDS to Create Your Destiny

2011-01-14T22:36:00.000-08:00

POSITIVE THINKING Guided Meditation Music Vid Twin Den Falls

2011-01-14T21:51:00.000-08:00

12 MILLION DOLLAR LUXURY HOMES FOR SALE ARIZONA MANSION - VIDEO TOUR

2011-01-11T22:49:00.000-08:00

You Are A Millionaire

2011-01-11T22:35:00.000-08:00

Yes, you are a millionaire when you see youswelf a millionaire. Million will come when it comes and will be unstoppable.

Get ready be the millionaire you always wanted to be.

$207 Million Dollars IN BEDROOM

2011-01-11T22:34:00.000-08:00

55 Million dollars visualization exercise. Part 1

2011-01-11T22:31:00.000-08:00

Visualize Money

2011-01-11T22:22:00.000-08:00

SECRET ATTRACTION "The Magic Diamond" Guided LOA Meditation

2011-01-09T21:58:00.000-08:00

WARNING! WATCH THIS VIDEO AND GET WHAT YOU WANT!

2011-01-09T21:55:00.000-08:00

I am a magnet to MONEY

2011-01-09T21:53:00.000-08:00

Silver

2011-01-09T21:50:00.000-08:00

You can make a lot more money on Silver over the next few years compare to other investment.

Silver

2011-01-09T21:11:00.000-08:00

Silver Investment poised to soared 250% over the next few years.

Grow your Wealth by 50%

2011-01-09T20:50:00.000-08:00

Dear Friends,

You can grow wealth by 50% or more this year... when you take the opportunity to grow your … And you can stop inflation from eating into your hard-earned ringgit…

There’s just ONE thing we think you should do in 2011

...invest in Silver

New Year Strategic Direction

2010-01-03T02:45:00.000-08:00

Leaders Meeting 1st. Quarter (Q1) Strategic Direction 2010

The purpose of this meeting is to identify, develop and implement Strategic Direction for year 2010 and forward. Each team head or leader shall put forward the program and packages proposal for deliberation.

It is basically about how we are going to utilize our current strength to capture, excel and profit from market opportunity. It is about the faith and confident given to us by company and other stake holders and namely the customers and our network partners.

Without presence of streams of healthy and happy customers plus the networks leaders/ partners our present here are meaningless and shall not last, because they are our key enablers. Vice versa they need us too, to fulfill their dreams and aspiration as much as we needed them to fulfill ours. This relationship must continuously be nurtured for win-win situation for growth, long term present and prosperity.

So today, let’s put our brain and effort together to come out with strategy that will work and gave the results that will take us another milestone forward and be the name to be reckoned with in this industry in Malaysia within near term and then world over next.

The Agency services (commission base) industry is a rising sun industry and it is well known that performance is well recognized especially for network leaders/partners. Some of them are the gold diggers, many are miners and a few are tycoons plus vast numbers are the consumers for our company and the industry. They must be valued and recognized accordingly. Failing which please, be informed that those organization and leaders who failed to value and recognized the contribution and performance of their team had seen their performance suffers a sudden drop and ultimately lost their earning and market share. Let us learn from the mistakes and short comings of others as well as, let piggy-back on their success of some others for our own good. The common powerful statement but often forgotten “Why Re-invent the wheel – Lets Be A Copy Cat !” must be kept close to heart.

Together we must value each others’ contribution, grow and excel like no others and conquer the world in our life long good health, wealth and harmony acquiring endeavor. We are in the industry that offers opportunity to many who wanted to achieve lifelong financial achievement within means.

As, Registered Financial Consultant (RFC), I am optimists about the future and hope we are in this together. It does not matter who we are, where were from…regardless of background, what matter is reaching the ultimate destination…our Goal together, timely!

Believe me the market is always good, the time is always right, we have the best products, our team is always the best trained…if and only when we together have the right perception, drive, believe and faith in moving forward to achieve our Goal.
For the Sales Leaders, please take charge, be on track coz now is the right time, right moment and you have the right company Public First that will energize you toward success during this coming drastic turnaround program. However to be on track with the right momentum you too needed to continuously turbo-charge yours self and the team with product knowledge, market intelligent, sponsoring skill, communication & negotiation skill, time & continuous self-assessment territorial management plus financial planning. Last but not least be yourself at all times and use your senses especially the common sense.

With all that I am certain we will be in the state of total preparedness when venturing out into the market and success will certainly come our way. Thank you.

Nasarudin

2009-12-22T06:55:00.000-08:00

THINK LIKE WARREN BUFFET

2009-11-05T17:38:00.000-08:00

Think Like Warren Buffett
by Glenn Curtis
Sunday, November 1, 2009
provided by

Back in 1999, Robert G. Hagstrom wrote a book about the legendary investor Warren Buffett, entitled "The Warren Buffett Portfolio". What's so great about the book, and what makes it different from the countless other books and articles written about the "Oracle of Omaha" is that it offers the reader valuable insight into how Buffett actually thinks about investments. In other words, the book delves into the psychological mindset that has made Buffett so fabulously wealthy. (For more on Warren Buffett and his current holdings, check out Coattail Investor.)
Although investors could benefit from reading the entire book, we've selected a bite-sized sampling of the tips and suggestions regarding the investor mindset and ways that an investor can improve their stock selection that will help you get inside Buffett's head.

1. Think of Stocks as a Business
Many investors think of stocks and the stock market in general as nothing more than little pieces of paper being traded back and forth among investors, which might help prevent investors from becoming too emotional over a given position but it doesn't necessarily allow them to make the best possible investment decisions.

That's why Buffett has stated he believes stockholders should think of themselves as "part owners" of the business in which they are investing. By thinking that way, both Hagstrom and Buffett argue that investors will tend to avoid making off-the-cuff investment decisions, and become more focused on the longer term. Furthermore, longer-term "owners" also tend to analyze situations in greater detail and then put a great eal of thought into buy and sell decisions. Hagstrom says this increased thought and analysis tends to lead to improved investment returns.

2. Increase the Size of Your Investment
While it rarely - if ever - makes sense for investors to "put all of their eggs in one basket," putting all your eggs in too many baskets may not be a good thing either. Buffett contends that over-diversification can hamper returns as much as a lack of diversification. That's why he doesn't invest in mutual funds. It's also why he prefers to make significant investments in just a handful of companies.

Buffett is a firm believer that an investor must first do his or her homework before investing in any security. But after that due diligence process is completed, an investor should feel comfortable enough to dedicate a sizable portion of assets to that stock. They should also feel comfortable in winnowing down their overall investment portfolio to a handful of good companies with excellent growth prospects.

Buffett's stance on taking time to properly allocate your funds is furthered with his comment that it's not just about the best company, but how you feel about the company. If the best business you own presents the least financial risk and has the most favorable long-term prospects, why would you put money into your 20th favorite business rather than add money to the top choices?

3. Reduce Portfolio Turnover
Rapidly trading in and out of stocks can potentially make an individual a lot of money, but according to Buffett this trader is actually hampering his or her investment returns. That's because portfolio turnover increases the amount of taxes that must be paid on capital gains and boosts the total amount of commission dollars that must be paid in a given year.

The "Oracle" contends that what makes sense in business also makes sense in stocks: An investor should ordinarily hold a small piece of an outstanding business with the same tenacity that an owner would exhibit if he owned all of that business.

Investors must think long term. By having that mindset, they can avoid paying huge commission fees and lofty short-term capital gains taxes. They'll also be more apt to ride out any short-term fluctuations in the business, and to ultimately reap the rewards of increased earnings and/or dividends over time.

4. Develop Alternative Benchmarks
While stock prices may be the ultimate barometer of the success or failure of a given investment choice, Buffett does not focus on this metric. Instead, he analyzes and pores over the underlying economics of a given business or group of businesses. If a company is doing what it takes to grow itself on a profitable basis, then the share price will ultimately take care of itself.

Successful investors must look at the companies they own and study their true earnings potential. If the fundamentals are solid and the company is enhancing shareholder value by generating consistent bottom-line growth, the share price, in the long term, should reflect that.

5. Learn to Think in Probabilities
Bridge is a card game in which the most successful players are able to judge mathematical probabilities to beat their opponents. Perhaps not surprisingly, Buffett loves and actively plays the game, and he takes the strategies beyond the game into the investing world.

Buffett suggests that investors focus on the economics of the companies they own (in other words the underlying businesses), and then try to weigh the probability that certain events will or will not transpire, much like a Bridge player checking the probabilities of his opponents' hands. He adds that by focusing on the economic aspect of the equation and not the stock price, an investor will be more accurate in his or her ability to judge probability.

Thinking in probabilities has its advantages. For example, an investor that ponders the probability that a company will report a certain rate of earnings growth over a period of five or 10 years is much more apt to ride out short-term fluctuations in the share price. By extension, this means that his investment returns are likely to be superior and that he will also realize fewer transaction and/or capital gains costs.

6. Recognize the Psychological Aspects of Investing
Very simply, this means that individuals must understand that there is a psychological mindset that the successful investor tends to have. More specifically, the successful investor will focus on probabilities and economic issues and let decisions be ruled by rational, as opposed to emotional, thinking.

More than anything, investors' own emotions can be their worst enemy. Buffett contends that the key to overcoming emotions is being able to "retain your belief in the real fundamentals of the business and to not get too concerned about the stock market."

Investors should realize that there is a certain psychological mindset that they should have if they want to be successful and try to implement that mindset.

7. Ignore Market Forecasts
There is an old saying that the Dow "climbs a wall of worry". In other words, in spite of the negativity in the marketplace, and those who perpetually contend that a recession is "just around the corner", the markets have fared quite well over time. Therefore, doomsayers should be ignored.

On the other side of the coin, there are just as many eternal optimists who argue that the stock market is headed perpetually higher. These should be ignored as well.

In all this confusion, Buffett suggests that investors should focus their efforts of isolating and investing in shares that are not currently being accurately valued by the market. The logic here is that as the stock market begins to realize the company's intrinsic value(through higher prices and greater demand), the investor will stand to make a lot of money.

8. Wait for the Fat Pitch
Hagstrom's book uses the model of legendary baseball player Ted Williams as an example of a wise investor. Williams would wait for a specific pitch (in an area of the plate where he knew he had a high probability of making contact with the ball) before swinging. It is said that this discipline enabled Williams to have a higher lifetime batting average than the average player.

Buffett, in the same way, suggests that all investors act as if they owned a lifetime decision card with only 20 investment choice punches in it. The logic is that this should prevent them from making mediocre investment choices and hopefully, by extension, enhance the overall returns of their respective portfolios.

Bottom Line
"The Warren Buffett Portfolio" is a timeless book that offers valuable insight into the psychological mindset of the legendary investor Warren Buffett. Of course, if learning how to invest like Warren Buffett were as easy as reading a book, everyone would be rich! But if you take that time and effort to implement some of Buffett's proven strategies, you could be on your way to better stock selection and greater returns.

Seven Secrets from the Smartest Businessman I Know

2009-09-10T20:13:00.000-07:00

Seven Secrets from the Smartest Businessman I Know
By Dr. Steve Sjuggerud

My boss is the smartest guy I know...

I'm not just saying it because he signs my paychecks. Seriously, I mean it. He does things most bosses don't do. It's made him a wealthy man. And it's made many of his employees more money than they'd ever dreamed of.

I have a unique perspective here... I hired him 13 years ago. We've known each other since we were kids. Now, rightly, he's my boss.

He worked his way up from the bottom to the top. It wasn't because of some sort of power-mad ambition. He didn't have a master plan. He simply thought of better ways to do things.

What does he do that's different? What does he do that's made him more successful at what he does in a shorter period of time than anyone else? I'll share a few of his secrets with you today...

He's not afraid to be proven wrong. I'm not saying he likes being wrong... He's a competitor. But he won't hold stupidly to his original belief once it's been discredited.

Ever since we were kids, he's had a unique ability to lead the troops in one direction, full speed ahead... Then if he's proven wrong, he'll do a 180 immediately and lead the charge in the opposite direction.

If a business idea isn't working, cut it. Don't waste valuable time trying to make a wrong a right. Surprisingly, most smart people have a hard time with this.

In a business deal, he does an outstanding job explaining what's in it for the other guy. In short, he doesn't talk about himself, his wants, and his needs... at all. He talks about the benefits for the guy at the other side of the table.

Like everyone, the guy on the other side of the table is selfish. When you get down to it, he really doesn't care what's in it for you. But if you can convince him you'll make him more successful at what he does, then you'll get your deal.

He praises and constructively criticizes people equally. If you're screwing up, my boss will call you out. So when the praise comes from him, everyone knows it's legitimate. It's valuable.

If you're the boss, you know constant praise without constructive criticism is useless. (Unfortunately, that's my management style. I'm too nice.)

He's friendly with "rivals." He even gives away most of our secrets. I didn't understand this one at first. I'm sure our competitors still don't...

Why would we happily give away our secrets? Well, after spending time with us, our competitors often end up wanting to partner up. That grows their business, which grows ours... And if a rival's business folds, the employees know us and try to get a job. We end up with the best talent.

You might not like the idea of inviting your rivals over to share your secrets. But it makes great sense for both sides.

(My boss says "I don't mind giving our secrets away... They'll never execute them like we can." That right there is the biggest insight of all.)

He hires people smarter than him. Wait, didn't I say he's the smartest guy I know? My friend is brilliant, yes. But he's not that organized. So he hired a man "to run the business." And when he decides to push our business into new areas, he hires the best guys he can find.

He pays his employees well – through pay incentives. He's done a fantastic job tying his employees' pay to the jobs he needs them to do.

In my own case, he's always structured my pay in a way that should 1) increase my income and 2) push me to put my efforts behind the best opportunity he sees.

Lastly and most importantly... it's not about the money. The money is simply one "scoreboard" of his success. A lot of it is about fun... about coming up with a business idea and seeing if it works.

If you took all his money away tomorrow and told him he had to move to a different country, pick a place where he didn't speak the language, and find a different industry, he'd make all that money back again in the same short amount of time. He'd use all his secrets... like the handful I outlined above... and he'd do it. No question about it.
Some of these secrets might sound backward at first. But if one sounds "totally wrongheaded," think long and hard about it... My boss is the smartest guy I know... and I've seen him do these things over and over again.

You should try to do the same.

Regards,

Steve

PERSONAL FINANCIAL PLAN

2009-02-12T20:25:00.000-08:00

FOR: JALIL, JULIANA AND JUNE.

(PLAN DATED DEC 31, 2008) -TAKENGON,
By
Nasarudin
________________________________________________

Contents
1. Executive Summary

2. Goals and Objectives

3. Personal data

4. Current Financial Situation

5. Assumptions

6. Cash-Flow Management

7. Risk Management/Takaful Planning

8. Education Planning

9. Retirement Planning

10. Investment Planning

11. Estate Planning

12. Tax Planning

13. Special Needs

14. Business Continuation

15. Recommendations

16. Implementation / Action Plan

17. Disclaimer

1. EXECUTIVE SUMMARY

1.1 Cash Flow Management

Your cash flow management for the next 12 months has been revised, without any significant change in lifestyle. Based on our recommendations, your annual surplus has been increased from a mere RM30 to RM40,278. After accounting for extra premium of RM15,500 payable for additional Takafuls, the surplus is scaled down to RM24,778. However, this does not mean that the entire extra Takaful premium of RM15,500 is treated as an expense. Main bulk of this premium forms the investment element in the Takaful policies that can be reaped at later years and therefore form part of the investment portfolio.

Your desire to grow your net worth by 15% compounded every year is possible with our recommendations in this plan. In fact, the growth will be from RM380K to RM3.3m within the 15 years, giving a compounded growth of 15.5%.

1.2 Risk management/Takaful

Your family’s personal Takaful program is now complete. The additional RM15,500 premium for the additional Takafuls will give you and your family full protection and at the same time give a long term projected return rate of 8% until your age 50. This will also form part of your retirement wealth accumulation plan.

For husband : JALIL

Coverage Old (RM) Additional (RM)
Natural death & disability 100,000 1,500,000
Accidental death & disability 100,000 1,500,000
Critical Illness 0 400,000
Medical 0 Up to 300,000 lifetime limit
Waiver of premiums on disability and critical illness No Yes

For JULIANA :

Coverage Old (RM) Additonal (RM)
Natural death & disability 100,000 630,000
Accidental death & disability 100,000 630,000
Critical Illness 50,000 350,000
Medical 0 Up to 300,000 lifetime limit
Waiver of premiums on disability and critical illness No Yes

For JUNE :

Coverage Old (RM) New (RM)
Natural death & disability 0 300,000
Accidental death & disability 0 300,000
Critical Illness 0 200,000
Medical 0 Up 150,000 lifetime limit
Waiver of premiums on disability and critical illness 0 Yes

1.3 Retirement Planning
Based on your assumptions, your required retirement income is RM161,880 in future Ringgit at age 50 and based on principal liquidation basis, the lump sum needed is RM4.2m. However, all your funding sources can only accumulate to a total RM3.3m. We recommend that your retirement income be scaled down to RM RM107,355 in future Ringgit at age 50 in order to achieve both the retirement and education lump sum required at age 50.

1.4 Investment Planning
Your current asset portfolio only derive return rate of 5.6% which is too low for your moderate risk appetite. In order to achieve the required wealth accumulation targets, we recommend the return rate be increased to 8.0% via asset restructuring including a leveraging effect to be taken place.

1.5 Estate Planning
Your wish to ensure that all assets be passed on securely can be done easily by writing wills, by both you and your wife, and placing them in trusts. We are able to provide you with the will-writing and trust creation services.

1.6 Tax Planning

Your desire to maximize tax saving has been looked into and we recommend an Takaful program where it support the major relieves allowed. Other relieves are coincidentals.

In summary, your personal financial planning is relatively well-planned by your goodself and we certainly are glad that you have in place most of the things that we think should be in. In our professional opinion, you only need to put into action the few items listed in the “Recommendation/Action Plan” outlined at the end of this report.
Thank you for reading.

2. GOALS AND OBJECTIVES
Client is clear about his goals and objectives and a discussion with the financial planner has been done to ascertain this. The followings are the agreed goals and objectives :

2.1 Cash Flow & Net worth Management

To have a significant cash flow surplus annually of at least 15% of household gross income in order to provide a funding source for all future wealth accumulation targets. Any cash flow review from current to revised shall not change client’s lifestyle.

Client is keen to see his net worth grow by 15% per annum for the next 15 years.

2.2 Risk Management/Takaful Planning

2.2.1 To have a complete family’s personal Takaful program. This includes covering all debts and having lump sums for generating income for the surviving family members. Coverage to include death, total and permanent disability, critical illnesses and medical.

2.2.2 To review and make complete the general Takaful coverage for all tangible properties.

Property
Area of coverage and sum assured
1. House Houseowner policy:
Cover for fire, natural disaster, riot & civil commotion for the structural cost of the house (RM100,000)

Housecontent policy:
To cover the contents of the house (RM15,000).

2. Cars Comprehensive first party cover for both cars up to the market value of each car ie RM70,000 each.

2.2.3 To assess if personal liability Takaful is necessary.

2.3 Retirement Planning

2.3.1. To retire at Jalil’ age 50 with future value Ringgit retirement income of RM161,880 per annum.

2.3.2 To have a retirement home in Takengon in the form of a country home with rental and land lease of RM800 per month.
2.4 Investment Planning

To have an asset portfolio that will grow at a rate that support the realization of the wealth accumulation goals for financial freedom (retirement) and education for child.

2.5 Estate Planning

To have wills written for both husband and wife and to have a trust set up for the child.

2.6 Tax Planning

To optimize tax avoidance or savings under the Malaysian tax system. Client is keen on using up all personal tax relieves and rebates and to have good income reallocation planning.

3. PERSONAL DATA

Client, Jalil is a lecturer married to Juliana , a lawyer and they have a 1-year old daughter named Junaidah (June).

The followings are their personal details:

Area
Jalil Juliana June
Birth date
27 July 1970 124 Sept 1973 01 April 2004
Sex
Male Female Female
Marital status
Married Married Single
Address 57 Jalan 7/ 5
Lembah Beringin Same Same
Tel
03-7xxxxxxxx Same Same
Occupation
lecturer Lawyer Nil
Employer
IPTA Yayasan 1 Nil
Income from employment RM120,000 per annum RM65,000 per annum NA
Business Nil Nil Nil
Position in business Nil Nil Nil
Income from business Nil Nil Nil

4. CURRENT FINANCIAL SITUATION

4.1 Cash Flow Statement – Current

The income and expenses of the client for the past 12 months are as follows:

Cash Flow Statement – Current
Incoming RM Outgoing RM
Jalil net salary 90,705 Car loan instalments 25,068
Juliana net salary 60,537 House loan instalments 10,644
Interest Saving A/C 240 Car maintenance 4,800
Interest Saving FD 4,800 House maintenance 2,340
Credit Card payments 24,000
Eating out 30,000
Groceries 6,000
Travel 24,000
Utilities 4,800
Life Takaful 3,000
Miscellaneous 21,600
Total 156,282 Total 156,252
Surplus 30

On a yearly basis, client has a very small surplus of RM 30 only which hardly can be used for commencing funding instruments to achieve their goals and objectives.

Networth Statement – Current
Assets RM Liabilities RM
Liquid assets : Mortgage loan 92,795
Pure cash - Car loans 78,712
Saving account 12,000 Credit Cards 18,000
Current account -
Fixed Deposits 120,000
Unit Trusts 5,000
Sub-total 137,000
Non-liquid assets :
Equities 6,500
Properties 142,000
EPF 280,000
Club memberships 2,000
Cars 140,000
Life Takaful cash value 2,000
Sub-total 572,500
TOTAL 709,500 TOTAL 189,507
NETWORTH 519,993

The financial ratios of the above cash flow are:

a) Liquidity ratio = Cash/Monthly expenses = 132,000 / (156,252/12) = 10 months

(Comment: More than meet the benchmark band of 3 – 6 months of expenses. Unless the Fixed Deposits are for long term hold as part of the Asset Portfolio, liquidity ratio is high)

b) Liquid Assets to Net Worth = 137,000 / 519,993 = 0.26 = 26%

(Comment: Lower liquidity – may be a bit tight or less flexible in converting or restructuring assets in case of an immediate investment opportunity)

c) Solvency ratio = Net Worth/Total Assets = 519,993 / 709,500 = 0.73 = 73%

(Comment: Relatively high solvency. Financial stability is ranked as strong)

d) Debt to Asset ratio = Total Debts/Total Assets = 189,507 / 709,500 = 0.27 = 27%

(Comment: Gearing at 27% at client’s age is considered low; need to be higher if risk profile permits)

e) Saving ratio = Annual Saving/Gross Income = 30 / 185,000 = 0.02 %

(Comment: Extremely low compared to the national saving rate of about 30%. However, in this calculation, savings in Takaful policies, car and housing loan repayments on principals are excluded. If included, the cash values of such payments will add to the ratio.)

4.2 Risk Management/Takaful Planning
The current personal Takaful program is as follows:
Person
Plan type Premium p.a. Plan breakdown Remarks
Husband takaful 1,200 WL& CI - 100K
No riders. Traditional policy.
Wife Takafulink 1,800 Death/TPD – 100K
Critical Illness - 50K Investment-linked policy.
Daughter No policy

The current property Takaful program is as follows:

Property
Area of coverage and sum assured
Apartment in Putra Jaya Houseowner : RM 100,000
Householder : nil

Cars
Two Toyota Camry : RM 70,000 each
On comprehensive first party cover.

There is currently no personal liability Takaful program

4.3 Retirement Planning
There is currently no clear plan on retirement. Other than the EPF that the client has been contributing, there is no other plan on retirement.

Client has been taking the past approach of retiring when they have enough money. Even the benchmark of “enough” is not clear until discussion has taken place with the financial planner.

4.4 Investment Planning
The following table lists out the portfolio of investment-grade assets currently owned and the portfolio return rate:

Asset Amount RM('000) Return Rate Weightage = Amount/Total x Return Rate
Saving Account 12.0 0.02 0.000
FD 120.0 0.04 0.008
Equities 6.5 0.12 0.001
Property 142.0 0.08 0.020
Life Takaful 2.0 0.05 0.000
Unit Trust 5.0 0.12 0.001
EPF 280.0 0.05 0.025
Club m/ship 2.0 0.01 0.000
- 0.00 0.000
Total: 569.5 Portfolio return: 0.056

Based on the portfolio rate of return of 5.6%, the overall risk profile is considered conservative. Even taking out EPF as a compulsory saving element, the portfolio rate of return without EPF is only 6.2%. At age 35, client can take more risk for long term investment instruments and based on the risk profile questionnaire completed, can take a portfolio return rate of 8%.

4.5 Estate Planning

There is no arrangement of any nature including will and trust done, other than the nominations done for

• EPF
• All the Takaful policies

4.6 Tax Planning

Max amount deductible Amount used up
(RM) Balance to be used (RM)
Area of relief :

EPF/life Takaful premiums

5,000 per adult

5,000 for husband and 1,800 for wife

3,200 for wife
Medical/education Takafuls 3,000 per adult Nil 3,000 for both husband and wife
Parents’ medical 5,000 per adult
0 5,000 per adult
Child/ren 1,000 per child 1,000 under husband Nil
Annuity 1,000 per adult 0
1,000 per adult
Books/magazines 500 per adult 0 500 per adult
Educational fees 2,000 per adult
0 2,000 per adult
Area of rebates:

Computer purchase

Zakat/Fitrah

Rebate of 400

Full rebate

0

2500

400

2500

The other facts and data were collected in the “Personal Financial Fact-Finder” form as attached in the Appendices.

5. ASSUMPTIONS
BASE CASE :

 Jalils’ income increases at the rate of 8 % per annum until age 50. There is unlikely to be a change in job at the moment. Even if there is, this assumption still holds.

 Income from wife will be increasing at a rate of 2% per annum.

 Rate of inflation at 4 % per annum based on government official rate on Consumer Price Index. Lifestyle inflation taken at 7% per annum on a basket goods taken at upper middle income lifestyle.

 Fixed deposit rate at long term 4% p.a. nominal rate.

 Equities investment rate of return at 12% p.a. on long term basis.

 Property investment rate of return at 12 % p.a. covering both capital gain and rental yield.

 Investment-linked equities funds at rate of return of 11% p.a.

 Investment-linked bond funds at rate of return of 7 % p.a.

 Venture capital fund rate of return at 50 % p.a.

 The market value of client’s own house is RM142,000 and value increasing at 4 % per annum

 The retirement home in Takengon will be on rental basis and therefore the current apartment home shall be treated as an investment grade asset to be liquidated at age 50.

 Cars decrease in value at the rate of 10% p.a.

 The tax bracket of JHDN for personal income and business income will remain at today’s rate.
 Pre-retirement investment portfolio rate of return = 8%
 Post-retirement investment portfolio rate of return = 6%

CASH FLOW MANAGEMENT
The current cash flow surplus is very low at RM30 per annum. Based on no change or very minimal change in lifestyle of the client, we have studied and done an analysis.
In recommending changes, we have kept in mind some basic principles:
• Lifestyle of the client need to be maintained as original as possible unless the client is willing to sacrifice today for a better tomorrow.
• Any reshuffling of assets including paying off debts or loans must leave behind enough liquid assets that caters to the 3-6 months’ of emergency buffer fund.
• Repayment of loans must take into considerations what client wants to do with his liquid assets like FD and saving account balances in the near future, for example, in case there is a very good investment opportunity where the rate of return is higher than the borrowing cost of the loans to be redeemed. In this scenario, client has no such near term investment opportunity.

Our analysis and recommendations:

Credit Card : The couple keeps quite a high balance and repays only 10% per month. Keeping a constant balance of about RM18,000 attracting 18% per annum interest rate is rather high in holding cost. In another word, upon receiving the credit card monthly statement, client pays 10% or RM2,000 of the RM20,000 outstanding balance and the new balance is RM18,000. From the balance sheet, we note that the couple saves quite an amount at RM12,000 in saving accounts and RM120,000 in fixed deposits in the banks. But this saving account and FD is only getting 2% and 4% rate of return per annum respectively. It will be better off to clear all the credit card balances by transferring RM10,000 from this saving account and RM 8,000 from FD into the credit card account. This will save them RM270 per month in interest. Therefore the monthly repayment of all expenses charged to the card without interest will be RM2,000 less RM270 = RM 1,730 per month.
Travel : To spend RM 24,000 per annum on travel is relatively high which is RM6,000 per pax per trip. The financial planner has to probe into the reasons so as to determine if this is a preferred lifestyle. If it is not, it is recommended that the couple travel to less expensive places but meeting the same leisure objectives. They may want to reserve the more expensive destinations for future travel when their finances are much stronger and also when they have more time to travel to such far away destinations. It will be good if the couple can reduce the annual travel expense down to RM 16,000. For RM4,000 per trip per pax, client can actually go to a number of good destinations around the world.

Eating out : To spend RM 30,000 per annum or RM 2,500 per month eating out is unusually high. Again, if this is the preferred lifestyle, this has to be respected. If the couple is frequenting the same few restaurants or chain of restaurants, maybe they should get some customer loyalty cards where discounts are available. Otherwise, they have to be convinced that cutting down the expenses by eating the same food in cheaper places will be a good idea although the ambience will be different. If discount loyalty cards can save 15%, that will be RM4,500 saved.

Car repayments: The interest rate on car loans is based on flat rates. At 8.5 % per annum, this means paying an additional 59.5% of the original car prices after a 7-year period. After credit card which has borrowing cost of nominal rate of 18% per annum, these car loans have a converted monthly rest rate of 14.4%. Again, if the fixed deposits in the bank sitting at 4% rate of return has no special usage in the near term, we will recommend the clients to use part of it to pay off completely the balance of the car loans of RM 78,712.

Miscellaneous expenses : At RM 21,600 per annum, the amount looks high for small ticket items. It is recommended that the couple keeps track of the little items that they spend so that this amount is managed downwards. A lot of small and low cost items are purchased without realizing that there is no economy of scale, usually duplicated and inefficiencies occurred. By keeping track such purchases in a ledger, we can study the pattern and avoid wastages by probably 10% of the total amount down to RM19,440.

Refinance the housing loan: The interest rate for the current loan is at BLR + 2% whereas the current rate is BLR + 0.5%. A number of banks are also offering free switch over i.e. no transfer cost such as legal fees, etc. Over the next 15 years for a loan of RM92,795 which is the current housing loan redemption value, the saving of 1.5 % can come to RM79 per month or RM948 per annum. The new repayment is RM782 per month compared to the previous monthly payment of 887 per month.

(Calculations on the new housing loan repayments :

n = 15 x 12 = 180 months
i = 6.5 / 12 = 0.5417 %
FV = 0
PV = 92,795
Mode = end
Find PMT which is RM 808 per month)

EPF Account II used to reduce/redeem housing loan: Since 30% of the balance in the client’s EPF come to RM84,000, this can be used to reduce the outstanding loan of their apartment. This option is not recommended at the moment as client has indicated to use this portion to possibly upgrade their home in the future. However, one point to remember is that if the rate of return in EPF is lower than housing loan rate, then it will be a good move. On the discipline perspective, it is better to keep the EPF money intact as fund in EPF has its own clear objective of providing for retirement.

If the above reductions are implemented, the new cash flow statement will look like the followings:

Cash Flow Statement - Revised
Incoming RM Outgoing RM
Jalil salary 90,705 Car loan instalments -
Juliana salary 60,537 House loan instalments 9,696
Interest Saving A/C 40 Car maintenance 4,800
Interest Saving FD 1,332 House maintenance 2,340
Credit Card payments 20,760
Eating out 25,500
Groceries 6,000
Travel 16,000
Utilities 4,800
Life Takaful 3,000
Miscellaneous 19,440
Total 152,614 Total 112,336
Difference 40,278

The new networth statement after some debt redemptions will be as follows:

Networth Statement - Revised
Assets RM Liabilities RM
Liquid assets : Mortgage loans 92,795
Cash in hand - Car loans -
Saving account 2,000 Credit Cards -
Current account -
Fixed Deposits 33,288
Unit Trusts 5,000

Non-liquid assets :
Equities 6,500
Properties 142,000
EPF 280,000
Club memberships 2,000
Cars 140,000
Life Takaful cash value 2,000

TOTAL 612,788 TOTAL 92,795
NETWORTH 519,993

Here, we can see a dramatic change in the cash flow surplus. From a mere RM30 surplus, we now have a surplus of RM 40,278 in which it can be used to fund the couple’s goals and objectives in life. This surplus is necessary to do the funding as current assets may not be sufficient to do the task.

Although substantial amount of FD has been transferred out to pay the credit card and car loans, the client is assured that with the healthy surplus of RM 40,278, this reduction in liquid assets will be replenish in 2.5 years’ time. And the wonderful thing is that the client will have RM 40,278 on year 3 onwards for many years compared to RM30 earlier!

After using part of the surplus for a full Takaful program under Section 7, the cash flow statement has to be revised again as follows:

Cash Flow Statement - Revised (after Takaful programme)
Incoming RM Outgoing RM
Jalil salary 90,705 Car loan instalments -
Juliana salary 60,537 House loan instalments 9,696
Interest Saving A/C 40 Car maintenance 4,800
Interest Saving FD 1,332 House maintenance 2,340
Credit Card payments 20,760
Eating out 25,500
Groceries 6,000
Travel 16,000
Utilities 4,800
Life Takaful 18,500
Miscellaneous 19,440
Total 152,614 Total 127,836
Difference 24,778

7. RISK MANAGEMENT/TAKAFUL

7.1 Personal Takaful
Client is keen to upgrade his and his family’s Takaful program so as to meet the goal and objectives as outlined in Section 2 above. Based on the normal guideline of premium budget of 10-15% of their gross income for a complete personal Takaful program, it is recommended that client set aside RM18,500 as the annual premium budget for the entire family’s Takaful program . Currently, client spends RM3,000 per annum.

Calculations for client’s sum assured :

a) Death & Total and Permanent Disability

For husband, based on principal liquidated basis :

FV = 0
N = 24 years (until the child becomes an independent adult at age 25)
I = 4 % (risk free rate equal bank FD rate, inflation not factored in)
PMT = 112,336 per annum (based on cash flow revised before complete Takaful
program )
Mode = BGN
Find PV = 1,712,783

With the new net worth statement, the debts of the husband shall be only on outstanding housing loan of RM92,975.

Husband RM
Total basic sum assured needed 1,712,783
Add : Debt (house loan) 92,975
Less : Current Takaful (100,000)
Less : Networth of family on investment assets only ie S/A, FD, Equities, Unit Trust, husband’ EPF. (206,788)

Additonal Takaful
required 1,498,970 or rounded to 1.5m

For wife, the need of wife will be arbitrary as if something were to happen to her, husband will continue working and supporting the remaining family. Therefore, sum assured of half of husband’s amount ie 850K should suffice.

Wife RM
Total basic sum assured needed 850,000
Add : Debt Nil
Less : Current Takaful (100,000)
Less : Wife’s EPF. (120,000)

Additonal Takaful required 630,000

For the child, death cover will not be an important need as the financial loss to the parents will be minimal. However, disability cover is needed and it is recommended that disability income of RM12,000 per year be given. To generate this income perpetually, a basic sum assured of 12,000 / 4% (risk free rate) = RM300,000 is recommended.

For tax reliefs purposes, recommended that both parents buy an investment-linked education policy on the child with minimum RM3,000 premium per annum.

b) Critical Illness & Medical

The amount will be based on the most expensive immediate critical illness treatment ie liver transplant at RM400,000 for both father and mother. For the child, due to the cost of premium, half of the amount or RM200,000 is recommended.

For medical, for father and mother, an annual limit of RM300,000 is recommended. The child to be covered up to RM150,000 annual limit.

c) Other riders
Coverage such as premium waiver and spouse waiver in case of death, disability and critical illness will be recommended.

Recommended covers are summarized below :

For husband : Jalil

Coverage Old (RM) Additional (RM)
Natural death & disability 100,000 1,500,000
Accidental death & disability 100,000 1,500,000
Critical Illness 0 400,000
Medical 0 Up to 300,000 lifetime limit
Waiver of premiums on disability and critical illness No Yes

For Juliana :

Coverage Old (RM) Additonal (RM)
Natural death & disability 100,000 630,000
Accidental death & disability 100,000 630,000
Critical Illness 50,000 350,000
Medical 0 Up to 300,000 lifetime limit
Waiver of premiums on disability and critical illness No Yes

For June :

Coverage Old (RM) New (RM)
Natural death & disability 0 300,000
Accidental death & disability 0 300,000
Critical Illness 0 200,000
Medical 0 Up 150,000 lifetime limit
Waiver of premiums on disability and critical illness 0 Yes
Education policy x 2 Nil One each under each parent with min RM3,000 annual premium.
Note : The basis for getting a basic sum assured for the child is not on calculation but rather on a projected amount necessary should the child get into a disability. The child has no income to protect therefore the methods used for adults are not applicable to children

7.2 Property Takaful

This client will need to have protection on their properties as outlined below:

Property
Area of coverage and sum assured
1. House Houseowner policy:
Cover for fire, natural disaster, riot & civil commotion for the structural cost of the house (RM100,000)
Housecontent policy:
To cover the contents of the house (RM15,000).

2. Cars Comprehensive first party cover for both cars up to the market value of each car ie RM70,000 each.

Liability Takaful

This is more for Juliana whose profession is exposed to professional liabilities. It is recommended that Juliana can purchase a RM1m professional liability Takaful policy on her job .

EDUCATION PLANNING

Education planning forms part of wealth accumulation together with retirement funding.

The child’s education fund will come from part of the lump sum amassed from wealth accumulation from all sources.

Table of cost for the degree programme.

Cost of degree tuition fees and living expenses per annum at today’s Ringgit.
RM 80,000

Year 1 cost in future Ringgit, June age 19,
18 years from now.

Using the financial calculator,
N = 18
I = 4 %
PV = -80,000
Find FV

RM 162,065

Year 2 cost in future Ringgit, 19 years from now.
RM 168,548

Year 3 cost in future Ringgit, 20 years from now.
RM 175,290

Year 4 (final) cost in future Ringgit, 21 years from now.
RM 182,301

The present value at Jalil’ age 50 of each of the 4 years costing is
Using the financial calculator,
The Year 4 cost :
N = 6
I = 6% (post-retirement rate)
FV = 182,301
Mode = BGN
Find PV =

Similarly, the present values of the other years are calculated and resulted as follows:

Year 3 :
Year 2 :
Year 1 :

TOTAL Present Values :

RM 136,073

RM 130,987
RM 133,056
RM 136,073

RM 536,189

In short, the amount of RM 536,189 will need to be deducted from the total sum of wealth accumulated by the client by Jalil’ age 50.

Therefore, the Jalil is able to fund both the retirement and education funds.

9. RETIREMENT PLANNING

9.1 Financial Independence by age 50

Retirement Income needed :

i) Retirement income projection by TRR method:

Working out the last drawn income by both Jalil and Juliana

For Jalil, using financial calculator,

n = 15 (Jalil has 15 years to go before the target retirement age of 50)
i = 8 % (this is the rate of growth of Jalil’s salary per annum)
PV = - 120,000 (this is the annual salary for the beginning of the period in calculation)
Find FV = 380,660.

Using the same calculation we find Juliana’s income 15 years from now and both incomes are tabulated as follows:

Person Years to retirement Rate of growth in income Present annual income (RM) Future annual income in 15th year from now (RM) TRR method at 50 % rate –projected retirement income
Jalil
15 8 % 120,000 380,660 190,330
Juliana
15 2 % 65,000 87,481 43,741
TOTAL : 234,071

The TRR method simply takes a certain percentage of the last drawn salary immediately prior to retirement in which is 50% in this case. Based on the observation that the size of client’s household income is relatively large, 50 % amount is taken. The total projected retirement income need by the couple is RM 234,071 per annum or RM 19,506 per month in future Ringgit.

ii) Retirement income projection by Expense Method:

From fact-finding discussion held with client, we list out all the expenses that they projected they will incur when they retire. The amount of each expense is benchmarked at today’s price. The future pricing is found by taking inflation into consideration at 4 % per annum. All the figures are tabulated in the following table:

Retirement Income - Projection by Expense Method

Items needed when retired Today's annual cost Inflation rate Cost at age 50
Food 6,000 2% 8,075
Clothing 3,600 1% 4,179
Cars maintenance 4,800 4% 8,645
House rental 9,600 4% 17,289
Personal maintenance 3,600 4% 6,483
Car purchase sinking fund 10,000 5% 20,789
Medical 4,800 8% 15,226
Groceries 6,000 4% 10,806
Travel 24,000 5% 49,894
Utilities 4,800 1% 5,573
Life Takaful 4,800 1% 5,573
Entertainment 6,000 3% 9,348
Total 88,000 161,880

Here, we find that the retirement income projected is lower than the TRR method. The Expense Method is the more accurate method but relies quite heavily on the rate of inflation. The TRR method has the advantage of pegging to the level of lifestyle immediately prior to retirement, hence the change in lifestyle is minimal.

Finding the lump sum for retirement :

To find the lump sum to generate this projected retirement income is sufficient, we first select the annual retirement income calculated from the Expense Method at RM 161,880 which is the lower figure among the two retirement incomes calculated above.

Then we work into two scenarios on the length of time this income is needed.

Scenario 1 : The principal intact scheme.
The RM 161,880 annual retirement income is to be needed perpetually i.e. indefinitely. Here, based on the inflation-adjusted discount rate i I , we calculate the lump sum needed for such inflation-adjusted income generation.

Assumptions : Rate of inflation, I = 4 %
Post-retirement rate of return in fixed income instruments, r = 6 %

Lump sum needed = 161,880 / (6% - 4%) = 8.1 m

The client needs RM 8.1 m to have this retirement income perpetually without liquidating any of the principal amount. The amount looks very high. In lay man terms, this is the “deluxe scheme”. The second scenario will be the “economy scheme”.

Scenario 2 : Principal liquidation scheme.
The RM 161,880 annual retirement income is to be needed for a certain number of years only – normally to the end of the life span projected. Taking a life span of up to 75 years old + a safety margin of 10 years until age 85, we are taking a period of 35 years in which the lump sum accumulated at retirement will be used up together with the interest income generated to provide the RM 161,880 per annum amount. Again here, based on the inflation adjusted rate of return i, we calculate the lump sum needed for such inflation-adjusted income generation.

Assumptions : Rate of inflation, I = 4 %
Post-retirement rate of return in fixed income instruments, r = 6 %

We calculate the inflation-adjusted discount rate i I = r – I / 1 + I
= 0.06 – 0.04 / 1 + 0.04
= 1.9231 %

Using financial calculator or table of values, where
n = 35
i = 1.9231 %
PMT = 161,880
FV = 0 (since principal is fully liquidated)
Mode = BGN (as retirement income is needed at the beginning of each year)
Find PV = 4,174,780.

Lump sum needed is about RM 4.2 m , which is much lower than the RM 8.1 m in the “deluxe scheme”.

Adding the retirement lump sum with education lump at age 50

The total amount of money to be accumulated at Jalil’ age 50 will be :

Retirement lump sum = 4,174,780.
Education fund lump sum = 536,189

Total = 4,710,969

Funding the entire lump sum

Taking the RM 4.7m figure, we now see if the client can fund this amount within 15 years from now.

Funding the RM 4.7m amount can come from 3 sources
• Current net assets
• Future cash flow surpluses
• Future EPF contributions
Fund (RM)

PRE-RETIREMENT POST-RETIREMENT
Now End of life
Retire

Overview of the pre and post retirement stages of life

All the sources fund the accumulation phase as tabulated below:

Source Method Value 15 years from
now, at
8 % growth rate
NOW - Current net assets From revised networth statement at RM RM 379,993. (see Note 1 below)

Using calculator,
N = 15
I = 8 %
PV = - 379,993
Find FV

RM 1,205,402
FUTURE
a) Cash flow statement – revised with annual surplus of RM 40,278.

Using calculator,
N = 15
I = 8 %
PMT = - 40,278
Mode = End
Find FV

RM 1,093,633
b) Future EPF contribution of Jalil. We need to find the future values of all these contributions and this can be calculated in 3 stages:

a) Find the present value of all future contributions to EPF for the next 15 years, where

n = 15
PMT = 23% x (-120,000)
= -27,600
i g = r – g / 1 + g
= 5% - 8 % / 1 + 8 %
= - 2.77777 %

Where r = rate of return in EPF
g = income growth rate
Mode = end
Find PV = 522,502

b) Find the future value of the present value found in (a).
n = 15
I = r = 5% (EPF return rate)
PV = - 522,502
Find FV = 1,086,244

c) Divide answer in (b) by ( 1 + g)
= 1,086,244/ (1 + 0.08)
= 1,005,782

RM 1,005,782
TOTAL : RM 3,304,817
Note : (1) The net value of cars are not taken into this figure as cars are not investment grade asset unless they are liquidated. Therefore, the net worth of investment grade assets are 519,993 less 140,000 = 379,993

Our findings :

• The client will have RM 3.3m by the time they retire.
• The client is not able to fund either one of the RM 4.2 m “economy scheme” or the RM8.1m “deluxe scheme” based on their current situation.

To meet the lower RM4.2 m retirement lump sum and also the education fund, the options are :
a) A higher pre-retirement rate of return on the portfolio investment to 12.5 % and this will give RM4,792,776 at age 50. However, such rate is considered very high and the risk associated with it is also very high. Leveraging can give such rate but it is not recommended.
b) A higher post-retirement rate of return of higher than 6%. Again, during retirement years, assets should be invested in very low risk or zero-risk assets. Again, this is not recommended.
c) Delay the retirement age from 50 to probably 55. However, this does not meet client’s original objective and will be pursued only as a last resort.
d) Reducing the retirement income to RM107,355 per annum will meet the RM3.3m lump sum.

We recommend the option (d) as this is easiest to adapt.

9.2 Retirement Home in Takengon

The retirement home will be on rental basis as desired by the client. There will not be any capital expenditure but only cash flow outlays.

10. INVESTMENT PLANNING

To meet the desired retirement lump sum at age 50, the portfolio investment rate of return used above is 8% for pre-retirement. However, based on the current portfolio as per Section 4, the portfolio return rate is only 5.6%.

The portfolio needs to be restructured to the followings :

Asset Amount RM('000) Return Rate Weightage-Amount/Total x Return Rate
Saving Account 2.0 0.020 0.000
FD 60.0 0.044 0.005
Equities 16.5 0.120 0.003
Property (home) 142.0 0.080 0.020
Life Takaful 2.0 0.050 0.000
Unit Trust 89.4 0.120 0.019
EPF 225.6 0.050 0.020
Club m/ship 2.0 0.010 0.000
Property B 30.0 0.251 0.013
Total: 569.5 Portfolio return: 0.080

The recommendations are :

 Based on the risk profile questionnaire, client has a moderate risk appetite. Client need not have a large cash in saving account and FD. Therefore, we recommend a reduction of cash in FD by half from 120K to 60K. 30K will be channeled to unit trust and another 30K to purchase another property.
 The property B to be purchased has a market value of RM300K. With a downpayment of 30K, balance 270K will be from a bank’s housing loan. Assuming over the long term, property B gives a return rate of 8% per annum covering both capital gain and rental yield. Over one year, the return is 300K x 8% = 24K. However, the borrowing cost is at BLR + 0.1% or 6.1% (BLR currently is 6%) therefore incurring 270K x 6.1% = 16.47K interest. Net return is 24K – 16.47K = 7.53K. Over the original investment money of 30K, this is 25.1% return.
 10K from saving account to be channeled to direct equities, leaving 62K in both saving and FD which is equal to 5.8 months of emergency buffer fund.
 Transfer EPF Account 2 which constitutes 30% of the 280K or 168K. Less 100K (50K per person as the EPF is over the couple) then 20% of it over 4 quarters, the amount of RM54,400 can be invested into EPF approved unit trust.

This restructured portfolio will give an 8 % return in order to meet the accumulation goals of the client. However, such restructuring must meet the risk profile of the clients in which we have matched. If it does not, the financial planner will need to discuss again with the client again if they can arrive to some acceptable conclusions which include but not limited to, making some changes to their goals and objectives.

11. ESTATE PLANNING
Since there is no estate duty in Malaysia, the need for estate planning centers more on will writing, trust creation and estate distribution. A will is recommended to be written to instruct the trustees to distribute all wealth to the beneficiaries as per the wishes of the client should he be demised.

To ensure assets go to the right person(s), it is recommended that all nominations must be properly done for all Takaful policies, EPF and mutual funds.

12. TAX PLANNING

12.1 Tax reliefs & rebates

Client is keen to maximize whatever reliefs and rebates he has so that he can pay minimum taxes.

12.2 Income reallocations

By placing investment incomes under the spouse with the lower income tax bracket, less tax are paid. It is recommended that the Property B and shares with dividends be purchased under the wife’s name.

Parking equities shareholdings under the wife allow dividends declared to be given to wife and she can apply for tax refunds for the difference between the corporate tax rate (28% currently) applied at source and her tax bracket which is well below 28% under Income Tax Act Section 110.

Max amount deductible Amount used up
(RM) Balance to be used (RM)
Area of relief :

EPF/life Takaful premiums

5,000 per adult

5,000 for husband and 1,800 for wife

3,200 for wife
Medical/education Takafuls 3,000 per adult Nil 3,000 for both husband and wife
Parents’ medical 5,000 per adult
0 5,000 per adult
Child/ren 1,000 per child 1,000 under husband Nil
Annuity 1,000 per adult 0
1,000 per adult
Books/magazines 500 per adult 0 500 per adult
Educational fees 2,000 per adult
0 2,000 per adult
Area of rebates:

Computer purchase

Zakat/Fitrah

Rebate of 400

Full rebate

0

2500

400

2500

Our tax recommendations :
 With the new Takaful program taken up, the RM5,000 Takaful premium/EPF tax relief for wife will be taken up.
 As part of the same Takaful program sign up 2 investment-linked education policies on the same child but applied separately by father and mother. On separate assessment, both will enjoy the RM3,000 education/medical Takaful premiums.
 To advise their elderly parents to keep all receipts of medical treatments in order to seek tax relief on this item in which currently are not used at all.
 Both Jalil and Juliana are recommended to purchase an IRD- approved annuity each for annual contribution of RM 1,000 per person as to fully utilize the tax relief under this area. (currently the product is withdrawn until further notice)
 If the couple is attending any work-related courses on their own expenses such as training programs or legal-related courses, they are advised to submit their course fees receipts for tax relief on this area of up to RM 2,000 per annum.
 The couple is also recommended to keep any receipts for the purchase of a home computer or accessories as to claim tax rebate of RM 400 every 5 years.
 For books purchased in approved bookstores like MPH, the couple is recommended to keep receipts for books purchased for tax relief.
 The child relief shall always be placed under Jalil as he is facing a much higher income tax bracket.

13. SPECIAL NEEDS

None at the moment.

14. BUSINESS CONTINUATION

None at the moment.

15. RECOMMENDATION

15.1 Cash Flow Management

 Credit Card :. Transfer RM10,000 from saving account and RM 8,000 from FD into the credit card account to clear the entire RM18,000 outstanding.
 Travel : Travel to less expensive places but meeting the same leisure objectives. Reserve the more expensive destinations for future travel when finances are much stronger and also when there is more time to travel to such far away destinations
 Eating out : Get some customer loyalty cards where discounts are available. different. If discount loyalty cards can save 15%, that will be RM4,500 saved.
 Car repayments: To use part of FD to pay off completely the balance of the car loans of RM 78,712.
 Miscellaneous expenses : To keep track of the little items spent so that this amount is managed downwards. Use a ledger for 2 months.
 Refinance the housing loan: Refinance to a new housing loan at the margin equal the previous redemption sum and with lower rate.

15.2 Risk Management / Takaful

To set aside 10% of annual household income or RM18,500 (inclusive of the current RM3,000 annual premiums) for the Takaful specialists to design a full comprehensive package for the entire family.

15.3 Retirement Planning

To review the retirement income amount downwards to RM107,355 per annum future Ringgit although the retiring age can be retained at age 50. To have further discussion with financial planner on this.

15.4 Investment Planning

To restructure the asset portfolio so that the portfolio return be enhanced from 5.6% to 8.0% in order to attain the necessary targets for wealth accumulation in retirement planning and education planning. Financial planner will assist in the process.
15.5 Estate Planning

To get a will writer or a lawyer to write wills for client and wife. As child is still a minor, a trust should be created and the wills be placed in a public trustee. At the same, do ensure that all nominations for

• Employees Provident Fund
• All Takaful policies
• Unit Trust Funds

be done or updated .

15.6 Tax Planning

To make full use of the tax reliefs and rebates, the main action recommended is a comprehensive Takaful program .

16. IMPLEMENTATION/PLAN OF ACTION

What Who to do it Deadline
To redeem credit card and car loans Husband
31 June 05
To apply for a discount loyalty card for restaurants Husband 31 May 05
To refinance housing loan to a new loan with lower interest rate Financial Planner 31 May 05
To keep a ledger on miscellaneous spendings for 2 months Wife 1 June 05
To prepare and complete a comprehensive Takaful program for the entire family Financial Planner 31 May 05
To review retirement planning goals and objectives Financial Planner + Couple 31 July 05
To restructure the current asset portfolio from 5.6% to 8.0% Financial Planner 31 May 05
To get a will written and nominations for others. Financial Planner 31 May 05
To ensure new Takaful program supports more tax reliefs Financial Planner 28 Feb 06

16. DISCLAIMER

All recommendations in this plan are made on a reasonable basis relative to your current situation. While every effort has been made to ensure the success of the plan, we, our employees, agents or sub agents are not liable and/or responsible for, or guarantee in the following:

 The performance of the investments made as a result of our recommendations. Although reliable performance benchmarks were used, past performance of the investment does not guarantee future returns. Performance benchmarks serve only as a guide:
 The success of your plan should you modify, omit and/or deviate from our recommendations;
 The consequences of any negligence of other professionals who are involved in helping us implement ;
 The consequences of any change in the required assumptions made in the plan;

MAKING YOUR FIRST MILLION!

2009-02-02T18:45:00.000-08:00

HOW TO MAKE YOUR FIRST MILLION?

1.Use Financial Planning as a viable tool.
2. Acquire knowledge
3. Acquire skill - prospecting, qualifying, selling, story telling, motivating etc.
4. Acquire certification - CFP, RFP, RFC
5. Network
6. Make Strategic Alliance
7. Take Action Now.

How to succeed?
Put in the effort
Jump at every opportunity
You need Passion, energy and action.

GO FOR BIG FISHES!!

Rahsia berjaya: Padamkan Wabak takut dalam diri.

2008-12-14T21:23:00.000-08:00

Takut dan bimbang menarik kita kepada perkara yang sangat sangat kita geruni. Takut adalah satu penyakit yang amat merbahaya. Takut boleh menyebabkan seseorang itu jatuh sakit, pendek umor dan melumpuhkan kelancaran.

Ragu ragu dan takut bermakna gagal; yakin membawa erti boleh berjaya, takut bermakna ragu.

Takut dalam berbagai luahan saperti bimbang, gemuruh, marah, cemburu, pemalu, adalah musuh utama kepada umat manusia. Ia telah merampas kegembiraan dan kelancaran, membuat manusia jadi penakut, ramai orang gagal, atau memaksa mereka kepada keadaan apa adanya, selain apa saja yang lain.

Anggapan sesuatu pepereksaan atau ujian itu amat susah menyebabkan ramai yang langsung tidak berani menduduki pepereksaan berkenaan. Secara langsung menapikan hak mereka mencuba menguji kebolehan diri sendiri. Mereka mengalah sebelum berjuang. Ini disebabkan penyakit takut yang amat mendalam. Ramai yang percaya bawa ilmu sain dan hisab itu susah maka ramailah yang mengenepikan dan menolak langsung mata pelajaran tersebut. Ini menyebabkan ramai yang hidup tanpa ilmu sains dan hisab yang amat berguna dalam kehidupan manusia seharian. Ada pula yang takut mengambil ujian “CUTE” kerana adanya ilmu kira-kira. Perasaan takut itu membuat ramai yang merasa takut tanpa sebarang sebab yang menusabah. Secara langsung perasan takut itu telah menutup peluang seorang itu untuk menimba ilmu, maju dan terus berjaya. Begitu juga dalam berniaga atau berdagang. Ramai yang gagal sebelum mencuba bukan gagal dalam berusaha. Takut membuatkan ramai mengenepikan cita cita dan usaha yang boleh mengubah nasib dan masa depan diri mereka, keluarga, bangsa dan Negara. Maka hiduplah mereka ibarat ayam kais pagi makan pagi, kais petang makan petang. Penyakit takut ini menyebabkan ramai yang rela menjadi pemerhati dalam mencari ilmu, pembangunan, kekayaan serta kekuasaan dan pengaruh. Bangsa yang dihinggapi penyakit takut ini telah menyebabkan maruah diri, keluarga dan bangsa tergadai serta negaranya dijajah. Penyakit takut ini membuat ramai yang takut menyuarakan kebenaran dan hak. Penyakit takut yang amat membahaya adalah takut mengatakan tidak. Takut mengatakan tidak kepada orang lain walaupun hak sendiri dipersenda dan diambil. Ketelaluan takutnya menyebabkan terus mengizin atau memberi walau menyulitkan dan menyakitkan. Takut untuk bersuara mengatakan tidak, cukup setakat itu saja. Takut untuk mengatakan ini hak saya. Takut mengatakan kamu telah mengambil hak saya. Takut mengatakan kamu salah dan tidak boleh berbuat begitu. Takut. bertentang mata demi hak dan kebenaran.

Ramai yang takut untuk membuat panggilan kerana takut ditolak permohonan temu janjinya. Ramai yang takut membuat persembahan kerana takut gagal. Ramai yang takut nak jadi jurujual kerana malu nak jumpa orang. Ramai yang takut untuk menjual kerana takut tak boleh bercakap. Ramai yang takut berucap dihalayak ramai kerana gugup. Ramai yang takut pada kegelapan. Takut pada sesuatu yang baru. Takut kepada sesuatu yang belum pernah ditempuhi. Takut kehadapan. Takut pada hantu. Takut pada perkara perkara yang tak nampak dan tak ujud. Perasaan takut ini adalah wabak penyakit yang amat merbahaya. Takut adalah penghalang kepada semua kejayaan. Takut adalah penghalang kepada kegembiraan dan kesejahteraan diri dan keluarga. Takut mengahalng seseorang untuk maju dan berjaya. Takut menghalang kita menegakan hak dan kebenaran. Takut menghalang kita bersatu dan kukuh. Takut menghalang kita berjuang untuk memerdekan diri dari kepayahan, kesulitan, kemungkaran, penindasan serta ketinggalan.

Percayalah wabak takut itu hanya ada dalam bayangan sahaja. Bayangan yang memerangkap jiwa untuk bebas dan berdikari. Buangkan wabak takut dalam bayangan kita dengan memasukan bayangan berani serta berjaya. Keluarkan diri kita dari penjara yang telah mencengkam diri untuk terus tertindas dan berada dibelakang bangsa bangsa yang telah dan lebih maju dan unggul. Percayalah tiada cita cita dan harapan yang unggul bolh dicapai selagi kita menjadi hamba kepada perasaan takut. Takut yang melulu dan tidak bertempat. Untuk berada ditangga yang diatas kita perlu buang kan pengaruh takut yang ada dalam jiwa. Percayalah setaiap kita dilahirakan sebagai pemenang. Kita dilahiran baharu tapi sempurna. Kita manusia adalah sesempurna makluk yang ujud di muka bumi ini. Kita ujud untuk menjadi pemimpan dibumi untuk kemajuan serta kesejahteraan umat. Untuk itu jangan biarkan perasaan takut mengecilkan hati untuk bersuara, berusaha, maju dan berjaya serta berkuasa. Takut adalah perampas kekuasaan yang daripada kita semua. Takut melemahkan daya fakir dan daya tahan serta keyakinan diri. Takut berpengaruh terhadap pemikiran, perasaan serta usaha. Takut menghancurkan cita dan kecekapan. Kita adalah makluk terpilih. Kita punya keberanian dan kuasa untuk menepis dan membuang perasaan takut. Takut adalah hantu yang datang tanpa dijemput. Takut adalah pengacau yang perlu dihapuskan demi mencapai segala cita cita yang kita idamkan. Takut yang menyebabkan kita lambat, lembab, lemah, malu, kecut hati, gemuruh, gugup, gagal dan tidak berjaya mencapai apa apa yang diidam idamkan. Bebasakan diri kita dari segala rasa takut.

Percayalah kuasa takut amat merbahaya. Untuk itu takut perlu dilenyapkan demi kesejahteraan kita. Takut adalah racun dan musuh dalam kehidupan ini. Takut adalah musuh utama dalam pemikiran kita. Takut adalah pembunuh semangat, sikap dan sifat yang maju kepada kegagalan. Kesan takut amat ketara apabila pemikiran sudah terbiasa menjadi perangai dengan kehidupan. Takut boleh memberi gambaran yang amat menakutkan dalam berbagai perkara. Hanya keyakinan menjadi penawarnya. Hanya dengan yakin kita akan berjaya maka kita akan berjaya. Keyakinan membawa kita keatas. Takut membawa kita kebawah. Yakin membawa kita kepada harapan yang lebih baik. Yakin membawa semangat. Yakin akan membuat kita bertenaga, bersemangat, tidak mudah mengalah, mengatasi semua halangan dan seterusnya berjaya.Keyakinan adalah teman sejati sepanjang masa untuk semua masa dan ketika. Keyakinan membuat kita tidak risau dan bimbang, membantu mengembeling segala sumber, bernas, ketahap keunggulan yang nyata.

Takut akan melumpuhkan kita dari mencapai yang terbaik. Walauapa yang kita perlukan, keyakinan adalah penting. Berpeganglah kepada keyakinan. Jangan tanya bagaimana, kenapa atau bila. Lakukan yang terbaik dengan penuh yakin, itulah kuasa pertolongan yang unggul yang Allah janjikan. Kejayaan mengejar kita yang yakin. Mereka yang yakin tidak mudah tergugat dengan halangan halangan yang ditempuhi kerana beliau yakin nampak kejayaan dihadapan jelas dibelakang kabus.Kemenangan dibelakang hambatan. Walau apa pun yang terjadi, beliau tahu Allah tetap ada untuknya.

Ramai yang gagal kerana sering berhenti dan bertanya bagaimana hujung atau kesannya nanti, adakah berjaya atau gagal. Menyoal berterusan apa kesudahan nya, bakal menimbulkan keraguan yang amat merbahya semasa menuju kejayaan.

Rahasia kejayaan adalah penumpuan. Keraguan atau ketatkutan dalam apa bentuk atau rupa amat merbahaya semasa penumbuan pemikirana dan akan membunoh kebernasan daya fakir. Akal tidak akan dapat memberi tumpuan bila diganggu dengan perasaan takut, bimbang atau rasa gemuruh. Bila daya fikir dianggu dengan perasaan yang berkecamuk, kecekapan menjadi suatu yang mustahil. Kesengsaraan yang nyata dalam kehidupan ini tidaklah setara mana. Apa yang menyebabkan kita tua sebelum waktunya, saperti kedutnya muka, putihnya rambut, kendurnya pipi dan merampas kecerian bukan lah benar benar2 terjadi.

Saperti kata seorang seniwati yang terkenal dengan keawetanya: Semua orang yang hendak nampak muda dan bergaya perlu menghidarkan rasa bimbang. Bimbang bererti kehancuran, kematian, kemusnahan setiap unsure kecantikan. Pedulikan apa yang terjadi, yang penting jangan ada rasa bimbang.

Kita tidak boleh mencapai apa apa yang terunggul dalam kehidupan ini selagi kita menanggung rasa takut dan bimbang yang berterusan.

Apa itu rasa takut? Bilamana rasa takut datang menjelma, ya mencekik dan membuat insan jadi lemah tak bermaya, miskin dalam segala gala? Takut sebenarnya tidak pernah nyata. Ia hanya mainan gambaran dalam pemikiran. Hantu bayangan. Bilamana kita sedar, ia terus hilang dari menguasai kita. Hanya bila kita benar benar dididik dan benar benar beriman dan yakin serta percaya tiada suatu pun disekeliling kita mampu mengancam atau merbahayakan kita, kita tidak sepatutnya ada rasa takut kepada apa apa pun. Perasaan takut adalah lura biasa dan merbahaya. Ini kerana ia mengancam serta berkemampuan menhancurkan kebolehan seseorang, menkaburkan keyakinan dan mencerut cita cita. Allah telah menjadikan manusia sumpurna untuk memereintah didunia dan beri agama sebagai panduan dan pegangan.

Takut boleh mengagalkan segala daya usaha. Ia membunoh keyakinan, menyebabkan tidak keupayaan membuat keputusan, buat kita mengigil, takut bermula, menduga dan ragu ragu. Takut merupakan satu kebocuran dalam kuasa. Ramai orang membuang masa dan tenaga hanya dengan berasa risau dan bimbang.

Kita boleh memadamkan rasa takut dengan keimanan, ketaqwaan, keazaman, keyakinan, kepercayaan saperti mana api boleh dipadamkan dengan air.

Manusia tidak akan dapat mencapai kecekapan terbaik dan meluahkan yang termutahir bila mana daya fikirnya berkecamuk dirasuk risau dan bimbang yang meniriskan tenaga yang berharga. Fikiran yang risau, marah, terganggu tidak mampu membuahkan pemikiran bernas lagi unggul.

Kerisauan adalah sebahagian dari takut dan sentiasa subur dalam suasan yang goyah. Ia tak mambu bertahan bila mana yang punya tubuh sihat ,segar dan cregas, otak yang cair, mereka yang bersih hati dan kehidupannya. Ia hanya tumbuh subur ditubuh yang lemah – mereka yang tidah bermaya, keletihan, terutama mereka yang hidupnya tanpa haluan.

Daya tahan kita perlu kuat demi menhalang rasa takut menyerap ke pemeikiran dan tubuh. Untuk memastikan kita bebas dari rasa risau, bimbang dan takut, kita perlu jalan kan kehidupan dengan ketaqwaan. Hanya mereka yang tenang, jujur dan amanah mampu meninggalkan kerja atau usahanya tanpa rasa risau atau ragu atau memindahkan rasa marah kebawahan atau keluarga; ketenangan jiwa dan perasaan membolehkan seseorang mengawal semua keadaan dengan baik.

Semua rasa takut ini berlandaskan perasanya berasa sensara dan lemah kerana menyedari jurang diantaranya dengan Allah yang maha kuasa yang mana telah jauh ia jarakan. Hanya dengan memulihkan jaraknya barulah ia dapat merasakan ketenangan kembali menusuk jiwa disamping dibuka ruang yang luas menuju kejayaan tanpa halangan.

Amat memalu dan menyedihkan bila mana melihat mereka yang kelihatan gebu, segar bugar yang telah ditiupkan segala kesempurnaan dari Allah Yang MahaEsa lagi Pengasih dan Penyayang penuh dengan segala ketakutan, bahana yang nyata, wajah yang runsing seolah olah hidupan adalah satu seksaan. Ini bukanlah yang Allah kehednakai untuk semulia mulia makluk yang Beliau jadikan.

Mungkin hanya berzaman telah berlalu baru manusia dapat mengatasi berbagai rupa rasa takut dari menguasai jiwanya. Mungkin itu lah masanya manusia mencapai keyakinan yang mutlak seorang insane kamil yang peka terhadap keselamatan dan kebebasan yang belum pernah diimpikan dimana kemampuannya dan kecekapan diluar jangkaan.

Rasa takut kita biasanya seimbang dengan ras leamhnya nya atau tidak berkemampuan melindungi diri apa yang menyebabkannya. Bilamana kita peka dan sedar akan kekuatan yang ada dan mampu membendong rasa takut yang menganas, akhirnya kita hilang rasa takut.

Kami difahamkan Pahlawan Melayu dulu saperti Hang Tuah serta teman2nya, Dato’ Bahman, Tok Gajah, Mat Kilau, Panglima Garang, Panglima Bongkok dan Wali2 Sembilan dan Wali Halimun tidak pernah dihantui rasa takut dengan manusia dan mahluk lain. Keyakinan dan ketakqwaan dijiwa membuat mereka merasa tenang menghadapi apa jua cabaran dan kemungkinan yang mengancam keselamatan diri, agama, bangsa dan Negara.

Hamba yang sentiasa menjelma adalah rasa takut
Mengegar, merasuk jiwa nan lemah
Raja yang ada dan jarang nyata dalah azam dan yakin
Sentiasa berada dimana bila disedari dan dihormati.

Keep Emotion Cool in Turbulent Times.

2008-12-02T19:50:00.000-08:00

Panic, regrets, frustration, fear. As Unit Trust Consultant, we get to witness it all. Here's how to keep your clients' emotions (and your own) under control.
Unit Trust Consultancy would be the easiest profession in the world—if only we didn’t have to deal with clients!

I'm being facetious, of course. I really do love my clients, and the main reason I went into the Unit Trust field is because I enjoy working with people.

But no one told me that being a unit trust consultant is often synonymous with being a therapist. I guess I should have known. After all, when helping people through a process as life-changing as investing and switching a fund, you would expect emotions to come into play.

I never got training on how to deal with clients' high emotions, and you probably haven't either. That's why I want to share some tips that I've learned through experience.

1. Expect Emotions

The first step to handling emotions properly is to fully expect them from your clients. As unit trust consultants (especially those of us who focus on retirement unit trust), we deal with people during one of the most stressful times in their life.

2. Know the Triggers

Try to understand why your clients feel the way they do. There are a variety of reasons why clients could get upset, frustrated, and overwhelmed during a unit trust transaction. Here are some triggers:

• Things are happening differently than they expected.
• Feeling like they don't have control over the process.
• Not fully understanding the process.
• Not feeling respected (by spouse or unit trust practitioner).
• Too many options from which to choose.
• Afraid to make commitment to buy a fund.
• Panic about making the wrong decision/ not being able to find fund in tight timeframe.
• Not finding the "perfect" fund they had envisioned.
• Financial worries.
• Lack of trust in unit trust manager/consultants, etc.

As you can see, it's a long list. And this is just the tip of the iceberg. Before meeting with clients, prepare yourself by anticipating their concerns and coming up with solutions.

3. Make sure their expectations are in line.

We can never eliminate all of the emotional responses that clients will have, and some clients will be more emotional than others. But there are actions we can take as their unit trust consultants to keep things on a more even keel. Perhaps the most important thing you can do is to make sure their expectations are realistic. Did they expect to find their dream fund in three weeks, and it's already taken two months? Did they expect to find a great deal, only to discover funds in their favorite neighborhood are still too expensive? Did they expect more investors to show up at their fund launching? During your initial conversations with clients, help them understand that they might have to make compromises. Ask them what their expectations are and help bring them closer to reality using market statistics, your knowledge of the community, and your personal experiences. This is your job, after all, and you are the expert.

4. Help them remain in control.

It's so unsettling to feel like a situation has spiraled out of your control, especially when it's something as important as purchasing or switching a fund. Good communication can ensure this doesn't happen. Make sure your clients know what is going on every step of the way. At each phase of the process, clearly explain what they can expect, and what is expected of them. Keep them in the loop with phone calls, e-mails, or transaction management software (of course, be sure you're using their preferred method of communication).

5. R-E-S-P-E-C-T.

Aretha Franklin had it right when she said “All I need is a little respect.” Imagine that all of your clients are singing that song to you everyday. Respect that your clients do not understand unit trust jargon or even the most basic details of a standard transaction. In most cases, this is new to them. When we are feeling a little burned out, or dealing with demanding clients, it’s even easier to fail to treat our clients with all of the respect they deserve. If you find yourself in this position, take a step back, take a day off, and take some time to breathe before you speak to your clients again.

6. Don't overwhelm them.

It’s easy for our clients to get overwhelmed. There are so many details to worry about! And so many decisions to make! This is especially true for investors. With over 20 funds in any given price range in most areas, and investors thinking they need to see every fund before they can purchase, it’s easy to see how things can start crashing in on them. As consultants, it’s our job to help them get back in control. The cure for overwhelm is to get people out of the big picture and bring them in to working on a single piece of the puzzle at a time. Help them focus their search, and remind them of the progress that they've made.

7. Make a 'Don't Panic' rule.

Oddly, panic is the easiest to handle of all the emotional triggers. Start by programming your clients not to panic in the beginning of the transaction before anything has happened. Here's a strategy I use with first-time investors: I tell them “You’re not allowed to panic until I tell you it’s time. I promise I will tell you when it’s time, but until then you’re not allowed, OK?” This gives them a chance to laugh and they always agree. By setting this rule up front, we accomplish two goals— We’re telling them that we're in control and have everything handled, which builds trust; and we’re giving ourselves something to refer back to that will break the cycle later when they start panicking. What do I mean by this? By setting up the Don’t Panic rule at the start of the transaction, you can, when a person begins to panic, ask them “What’s the rule?” This causes them to stop thinking about whatever it is that they’re panicking about and start trying to remember what the rule was. When it looks like they have changed their focus sufficiently, you can remind them that the rule was that they weren’t allowed panic until you told them to. This gives them a chance to laugh at themselves while still breaking the cycle of panic.

8. Give them a reason to trust you.

When a client decides to hire you, they’ve decided to trust you. You’ve already put their trust in place, but you have to maintain it. If you follow the rules above, you are 90 percent on the way to keeping your clients happy. The other 10 percent is simply this: Keep your word; don’t promise what you can’t deliver.

9. Don't take It personally, yet take responsibility.

Nothing can protect you from all emotional outbursts. Some clients are dealing with issues they have not shared with us but which cause them to behave emotionally. Some need more attention than others. The best we can do is to have compassion and to stay grounded, centered, and calm in the face of whatever they may throw at us. When emotions do fly, don't take it personal, because rarely it is personal (even if it seems like it is). When anything goes wrong in the market, we are the easiest person to blame because we are there. But don't try to pass the blame. Just as you hate it when a server at a restaurant blames the kitchen for poor service, clients don't want to hear excuses. Make it your job to keep the transaction running as smoothly as possible and prepare clients for any market eventuality. Your open communication with fund advisers ( asset managers) is required for smooth dealings.

10. When you need a break, take it!

Bad days will happen. Clients will get mad. Emotions will fly. But on the flip side, you will see some wonderful emotions too. Investing a fund often evokes tears of happiness and pride. Remember to cherish the good days and not feel too hurt about the bad days. You have your own emotions too, and dealing with intense investments can be draining. It's important to take a break once in a while to recharge your batteries and get motivated for the next transaction. You have to take care of yourself first, or you will have nothing left to offer your clients.

By Kelle Sparta | September 2008

Menjana Impian Mencipta Pembangunan

2008-12-01T18:17:00.000-08:00

Dunia medatar di abad ke- 21
Semasa ramai yang tidur
Teknologi mengubah segala nya.
Politik hanya menunjuk
Kadang kadang memimpin
Kemajuan rancak terjadi
Dimana mereka tidak punya
Pembangunan terbangun
Olih mereka yang tak punya apa apa
Tapi punya impian yang menjadi cita2
Cita2 dibangun
Rekacipta membangun
Kemahuan dan keyakinan memimpin
Masa depan gemilang semasa
Kemarin mereka mendahului semuanya
Esok kita mencipta nama
Kita mendahului semua
Semua, semua, ya semahu nya
Kita ketua
Kita memimpin, kita membangun
Teknologi dan ekonomi mendahului masa
Sekarang masanya bergerak, mengorak,
Membangun, membina, maju dalam mengolah
Benah otak
Menjana impian
Gambaran kejayaan yang mendatang
Ayuh mari kita sama 2
Mengasuh bakat merekacipta
Demi keberhasilan
Kejayaan dan
kesejahteraan
Kinilah masanya
Wadah inilah tempatnya
Bersama kita mencungkil
Rahasia dan bakat siapa jua
Dimana jua
Demi masa depan gemilang
Mendahului semua
Kita pengerakanya
Ayuh ayuh ayuh
Sekarang kita bina keyakinan
Melangkah, membina masadepan
Mendahului semua
Kuasa Impian Melaksana Cita2
Teraju Teknologi Ekonomi Dunia.

GHBBH Syndrom

2008-11-24T20:16:00.000-08:00

Malam tadi saya dengar ceramah Robert Young. Beliau sungguh hebat dan berhemah. Dia cerita tentang nasib dan kejayaan beliau dalam hidup. Bermula dari seorang peramugara syarikat penerbangan singapura pada tahun 1980 dan berakhir sebagai seorang yang bebas masalah kewangan. Terima kasih...beliau tak kedekut ilmu dan semangat. Yang paling seronok ialah tentang sindrom GHBBH yang di hebuhkan.

GHBBH ni maknanya - "Gaji habis bulan belum habis"

Di luar sana ramai yang mengidap menyakit ini ...cuma kadang kadang tak mau mengaku aje. Hati hati sindrom GHBBH ini bermula dengan

1. Bila anda mula bagi duit berkurangan dari mulanya kepada ibubapa
2. Lepas tu lupa nak bagi duit
3. Lepas tu mula pinjam duit dari mak ayah
4. Mula pinjam kad kredit
5. Mula tak mampu bayar utang
6.

Untuk Berjaya Dalam Perniagaan.

2008-11-24T20:06:00.000-08:00

Anda perlu ada impian.

Perlu ada perancangan

Perlu ada barangan /perkhidmatan yang hebat

Berpaksi pada syarikat yang kukuh

Mempunyai peluang yang cerah

Memberi Menafaat di luar jangkaan

Pengurusan yang amanah dan berwibawa

Perniagaan yang berkembang serta berdaya saing

Bina rangkaian kawan kawan

Mengasihi pelanggan

Bertindaklah pada masa yang tepat

Terus meningkatkan ilmu untuk maju

Pastikan anda terus di landasan

Berusahalah untuk berjaya

Sabar menanti hasil

Jangan lupa berterima kasih

Jangan lupa kawan

Senyum lah!

JURUJUAL JAGOH PASTI JADI JUTAWAN

2008-11-24T20:02:00.000-08:00

Hanya Jurujual yang berkemahuan tinggi boleh berjaya menjadi Jurujual Jagoh. Bilangan mereka tidak ramai dan biasanya hanya sekitar 10 peratus sahaja. Pemikiran disini bertujuan mencipta jagoh jurujual dini dan masa depan.

Ketahuilah bahawasanya, jurujual semangatnya dibakar hanya olih dua perkara – duit dan kedudukan. Mereka mahu dibayar imbohan sebaik mungkin. Ukuran kejayaan hanya melalui besar kecil atau banyak nya imbuhan berbanding dengan jurujual lain. Mereka mahu usaha serta kejayaan mereka di iktiraf dan dihargai. Disini saya ingin berkongsi pengalaman dan juga penelitian selama 33 tahun bagaimana seorang jurujual mencapai lonjakan dalam kedua-dua bidang.

Jarang sekali ada jurujual yang mendapat latihan iktisas dalam bidang kejurujualan. Sebilangan besar jurujual yang berjaya meningkatkan keberhasilan adalah melalui ilmu dan kemahiran. Sering terjadi seseorang jurujual tersebut kekurangan satu atau dua kemahiran bagi menjadi seorang jagoh. Mudah mudah dengan pengalaman disini ia dapat membantu anda mengenali kemahiran tersebut dan memulakan arus mengasah kemahiran itu.
Acapkali semasa memberi ceramah atau kesempatan melatih usahawan maupun calon anggota perniagaan jualan langsung saya bertanya, Berapa ramai anda yang hadir disini berkecimpung dalam bidang kejurujualan? Biasanya hanya satu dua atau langsung tiada dari hadirin yang terdiri dari 40-300 orang yang akan mengaku. Rata rata tidak ramai dari anggota masyarakat kita yang menyedari hakikatnya, bahawa setiap hari mereka menjual. Hinggalah saya bertanya berkali kali, pernah kah anda menjual atau menwarkan sesuatu untuk dijual?

Barulah saya dengar huh...ya...ya...ada...dan mula ramai yang mengakui kebenaran tersebut. Walau apa pun kerjayanda, anda pasti sepanjang kehidupan ini berhubung dengan seseorang atau masyarakat dan berusaha meyakinkan serta mempengaruhi mereka. Yang penting, hebat kah anda sewaktu melakukan nya?

Kehebatan anda menjual buah fikiran akan menentukan kejayaan dalam hidup ini derta kerjayaan sebagai satu dari penyebab. Sekiranya pendapatan anda bergantung kepada jualan, mudah2an pandangan serta pentujuk2 disini dapat dimenafaatkan serta membantu mengubah corak hidupan masadepan anda.

Buku ini ditulis bagi tujuan berkongsi pengalaman dengan anda semua jurujual yang sibuk sebagai panduan sepintas lalu yang boleh dirujuk. Mudah2an buku ini dapat memberi anda pandangan serta satu dua pejunjuk yang boleh membantu menambahkan keberkesanan dalam usaha jualan anda.

Apa yang membedzakan buku ini dari yang lain ialah kepadatan serta kejelasan pandangan yang ditunjolkan. Disini anda dapat mempelajari piagam penting untuk kejayaan dalam bidang jualan yang saya dicungkil dari pengalaman ramai pakar jualan dari seluruh dunia. Semua kaedah kaedah ini telah diujipakai dan terbukti membuahkan kejayaan. Satu atau mana mana satu dari buah fikiran ini sudah tentu boleh membantu anda berjaya dalam bidang jualan serta menambah perhasilan atau pendapatan serentak.

Semasa mula menjual, saya memberi salam dari rumah ke-rumah, pejabat ke- pejabat, serta dijalanan tanpa temujanji. Saya mempelajari satu petua, Petua Jaguh Kemenangan. Ini adalah satu petunjuk untuk berjaya dalam kehidupan serta kejurujualan.

Petunjuk ini menjelaskan, Kehebatan sedikit dikemahiran utama akan meneraju perbedzaan besar dalam kejayaan.

Lonjakan sedikit pada kemahiran utama bidang jualan saperti usaha mencari bakal pelanggan, membuat persembahan yang menyakinkan, mengatasi hujah hujah tentangan atau memeterai jualan boleh membawa peningkatan besar dalam kejayaan jualan. Petunjok petunjuk disini disusun sebegitu rupa bagi membantu anda mencapai lonjakan dalam keberhasilan, untuk memberi lebihan, Petua Kemenangan.

Satu lagi petua kejayaan: Kelemahan kemahiran utama dapat menentukan setinggi mana anda dapat mengunakan kemahiran lain anda dan menjangka pendapatan anda.

Dalam lain perkataan, kalau anda lemah dalam satu kemahiran utama saperti mencari bakal pelanggan atau memeterai jualan, kelemahan yang satu itu dapat menentukan keberhasilan jualan anda dan sebanyak mana pendapatan anda. Kelemahan dalam satu kebolihan bolih menghalang kejayaan anda, walaupun anda hebat dalam semua segi yang lain.

Percayalah, kehebatan anda membwa anda dimana anda berada sekarang, tetapi kelemahan anda akan menhalang anda dari terus mara kehadapan dengan pantas.

Penulisan ini bertujuan memberi anda alat untuk mengatasi kelemahan jelas yang mungkin ujud pada diri anda dengan mengenal pasti dan memberi anda latihan yang boleh diamalikan dengan cepat untuk mengukuhkan diri anda dibahagian tersebut.

Penulisan ini secara serentak menjelaskan peranan jualan secara mainan fikiran dengan membayangkan arus penjualan yang dilalui melalui penghayalan (bayangan) dan peranan perlaksanaan jualan secara nyata dimana dengan petunjuk dan keadah bilamana arus jualan berlaku. Bilamana pembaikan berlaku di kedua bahagian, jualan serta keyakinan anda pasti meningkat secara mendadak.

Hanya dengan sedikit perubahan pada sikap dan kebolihan, membedzakan Jagoh Jualan dengan jurujual biasa. Bilamana mempelajari serta mengamalikan petunjuk 2 serta petua menjadi Jurujual Jagoh, barulah anda bolih dengan segera melonjak keatas dalam bidang anda. Masadepan anda dibidang jualan akan menjadi tidak terbatas.

The Market Kicks!

2008-11-24T20:00:00.000-08:00

Declines on Wall Street and regional markets caused the KLCI to ease to a 3-week intraday low of 853.2 points on Friday, before closing at 866.8 points to register a loss of 1.7% for the week.

Most regional markets fell more than 6% over the week on continued concerns that regional economic growth will be dampened by the current global economic slowdown.

The market is anticipated to move in tandem with overseas markets as investors monitor the outlook for the U.S. credit market, global economic growth and interest rates.

Happening in the market!

2008-11-10T22:13:00.000-08:00

The KLCI rose above the 900 points level to touch a 3-week intraday high of 926.6 points on Wednesday before profit-taking later in the week reduced the indexs gains. The KLCI closed at 893.9 points to register a gain of 3.5% for the week.

Regional markets mostly closed on a firmer note as bargain-hunting emerged after the sell-down in previous weeks.

The market is anticipated to move in tandem with overseas markets as investors monitor the outlook for the U.S. credit market, global economic growth and interest rates.

VACANCY: URGENTLY NEEDED MANAGEMENT TRAINEE.

2008-10-30T19:46:00.000-07:00

9 Vacancies

For Klang Valley only.

Fresh Graduate Welcome!

Details read the article below!

Info call: 019-6972465

THE OPPORTUNITY!

2008-10-30T19:19:00.000-07:00

Positive Opportunity Right Now! Right Here!

Yes! Yes! Yes!

This opportunity endorsed all and only Positive Opportunity!

Lets find out how you can GET?

1. Unlimited Income Potential

2. Recognitions of Achievements

3. Great Bonuses & Benefits

4. Personal & Professional Growth

5. Highly Competitive Incentive Structure

6. Flexible Business Hours

7. Be Your Own BOSS!

REMEMBER: "If you don't TAKE a chance,

you'll never HAVE a chance."

You CANNOT get rich working a JOB

START your OWN business

Have FUN while doing it

Work from your HOME

Very SMALL investment to TRY

Give yourself a CHANCE at

becoming RICH!

Take the next step towards achieving personal growth and unlimited income potential.

Explore how you can leverage your talent, network or business experience & acumen

as Financial Services Professional Entrepreneur with Multi Billion Ringgit

Organization.

Be Positive!

Take Action Now!

SMS personal detail to:

019-6972465 Now!

29 millions will loose job around the world?

2008-10-23T17:13:00.000-07:00

The financial tornado that hit the superpower U.S, Western Europe and Australia most likely to cause 29 million people around the world to loose their job. Should this happen,easily 90 - 120 million people around the world will be without income for this coming months and years. Worst if their saving cannot sustain more than 6 months without income.You can imagine the sudden change of living style and standards.

The issue here are you going to be affected? If you do...in normal Asian family or Malaysian family circle...this will affect the livelihood of easily another 3- 6 family members. For those who are not use to hardship like the one imposed on the Palestinian, Iraqis, Aghanis, Moro, Patanis, Kashmiris and Chechen...god knows how they going to cope with it.

The credit card culture made the life soft and easy upfront but full of struggle ...when ones is not prudents.

The doomsayer...says that the world is crumbling, recession is coming...and close to 30 million will loose jobs...meaning hard to put meals on the table. Some children might have to leave school...and more loan and mortgage going to be defaulted. Meaning more legal cases and more people will be without home or shelter...not just food.

Yes, you may blame this on the oil prices, blame it on the Arabs or Muslims ...worths blame it on AlQaida...but never on yourself!

Solution to all this issue is simple and straight forward....JUST Do Not Participate!

Yes, you do not need to participate in the unemployment!

Yes, you do not need to participate in Recession or Inflation...but How?

Yes, its that simple!

Plain simple you don't need to participate in all these recession...inflation...unemployment!Yes, you can!

How?

Reduce your expenses where you can..example phone calls, sms, internets, cigarettes, liquor, teh tarek, roti canai...all the eating out and the Sale Shopping!

Car pool...take public transport...walk or cycle to work!

Yes, you need to continue working rain or shine!

Dump your credit cards to the shredder...Now!

and be Mr...Madam CASH ALWAYS!

You need to continue with your business...double your effort...double your saving...double your investment...cut on entertainment, soccer and nite-clubbing and golfing.

I gurantee you...come recession ...come inflation..come financial turmoil...believe it you are not going to be affected.

To be totally free from recession....inflation...you need to take charge of your life!

Yes! take charge of your life!

To take charge of your life...you need

GOAL, PLAN, ACTION, REVIEWING and COMMON SENSE!

Begin with....

Cutting or minimizing unnecessary expenses,

Double your saving,

Increase your investment,

Triple your earnings!

Believe in yourself!

Believe in what you do!

Believe in God!

BE PRODUCTIVE, HAVE PASSION AND HAVE FAITH...BE PATIENT!

Good luck!

019-6972465

Tewas sebelum cukup bulan!

2008-10-21T17:24:00.000-07:00

Hal sebegini adalah lumrah kepada ramai orang... terutama mereka yang bekerja makan gaji. Bulan belum habis gaji sudah habis. Habis tu nak buat macam mana?

Merengek lah isteri, merengeklah anak2...bukan mereka aje yang merengek...bank..along...kawan2...serta pak cik makcik yang baik budi. Apa tak sidia pinjam wang tapi...bila nak bayar...menghilang diri.

Kalau berada dalam keadaan sebegini..berubah arah lah!

Ya..berubah arahlah!
Jika anda tak puas hati dengan penghasilan sekarang...ubahlah caranya!

Hanya dengan mengubah cara mendapatkan hasil baru anda boleh mendapat hasil yang berbedza.

Saya cadangkan anda berniagalah!

Berniagalah secara kecil kecilan.

Hanya dengan berniaga anda boleh jadi kaya!

Anda tidak boleh jadi kaya selagi bekerja dengan orang!

Perniagaan yang mudah untuk diceburi dimana anda di latih dan dibimbing adalah perniagaan berbentuk agensi. Masa untuk berjaya dalam perniagaan agensi hanya memerlukan 3- 6 bulan bila di usahakan secara bersungguh.

Modalnya juga amat kecil dan dikembalikan. pasaranya juga cukup luas dan terus berkembang.

Yang penting adakah anda dah bersedia untuk berubah agar pendapatan anda melebihi bulan. Hanya dengan berubah dari seorang pekerja kepada seorang usahawan baru anda boleh hidup selesa dan mewah.

Kalau anda sudah bersedia sila hubungi saya
Nasarudin 019-6972465

untuk cerita2 aje dulu.

Rahsia Perniagaan Unit Trust Sebenar Dibongkar!

2008-10-20T19:20:00.000-07:00

AWAS!

Ini bukan seminar mengajar anda:
skim cepat kaya!
releks-releks duit masyuk!

Ini Adalah Seminar Peluang
Perniagaan Unit Trust .

Rahsia Perniagaan Unit Trust Sebenar Dibongkar!

Cepat! Tempah Sekarang Sebelum
Kehabisan Tempat. Perkara Bertangguh
Biasanya Tak Akan Menjadi!
Anda Sendiri Yang Rugi...

7 kekosongan lagi!

Hubungi segera

HP: 019-6972465 (Nasarudin)

Ya Nasarudin! saya berminat dengan seminar PERCUMA ini. Saya akan hadir pada tarikh ini atau akan datang (jika ada). Sila berikan saya info-info terkini selanjutnya!

Email
Name
Negeri
H/P

Maklumat anda adalah rahsia

P.S: Tidak pernah terfikir bahawa satu hari saya akan menjalankan perniagaan Unit Trust sepenuh masa sehingga telah menggantikan pendapatan makan gaji saya. Jika anda mahu, anda juga boleh melakukannya tetapi kenalah belajar caranya!

P.P.S: Adakah anda merasa rugi untuk pelaburan hanya 1 jam masa anda sekiranya anda berpeluang menjana puluhan ganda RM pendapatan lumayan melalui perniagaan Unit Trust anda nanti?

Potensi Industri Unit Trust:

2008-10-20T19:13:00.000-07:00

Hari ini industri unit trust di Malaysia mula berkembang dan semakin mendapat perhatian. Industri Multi-Billion ringgit ini telah berkembang dari RM0.4b pada tahun 1992 kepada RM130b pada tahun 2008. Potensinya memang besar cuma kita perlu mengambilnya. Kita hendaklah jadi orang yang melakukannya bukannya orang yang melihat orang lain melakukannya. Industri unit trust ini adalah satu industri yang masih baru di Malaysia berbanding dengan negara-negara maju seperti UK dan US.

Melibatkan diri dalam perniagaan unit trust adalah suatu yang sangat mengujakan! Anda telah melihat berbagai-bagai latar belakang orang yang telah berjaya melakukannya. Jadi, segera bertindak. Anda berpotensi untuk melancong ke Rome, Italy atau China percuma (termasuk tiket, penginapan, makan minum dan tour) selama seminggu dan mendapat pendapatan yang lumayan. Bayangkan anda tidak perlu terperangkap dalam kesesakan jalan raya pada waktu pagi dan petang kerana anda boleh mengubah masa anda bekerja.

Anda Silap Jika Menganggap Semua
Bisnes Berisiko Tinggi!

Risiko Bekerja Makan Gaji Yang Tak Kita Sedari
1. You're FIRED
2. Gaji Mati atau Tak Naik
3. Kalau Naik Pangkat Cepat Sangat, Kawan Dengki
4. Kena Pindah Lokasi Kerja dsb

Kelebihan Bisnes Unit Trust
1. Modal Sedikit. Risiko rendah
2. Industri baru - peluang besar untuk maju
3. Berpotensi untuk mendapat pendapatan tanpa batas
4. Pendapatan pasif & flexi-masa bekerja
5. Percutian Percuma, Anugerah & Iktiraf
6. Bantu klien untuk memaksimakan pulangan
7. Bantu rakan untuk memulakan perniagaan dengan kos minima
8. Subsidi kursus antarabangsa Perancang Kewangan Bertauliah (Certified Financial Planner - CFP)

Cuba Fikirkan Formula Perniagaan Unit Trust Ini...

Jualan Bulanan Pendapatan Bulanan

Bulan 1 - jual RM 100,000 RM2,750

Bulan 2 - jual RM 150,000 RM4,125

Bulan 3 - jual RM 200,000 RM5,500

Bulan 4 - jual RM 200,000 RM5,500

Cuba bayangkan jika anda hanya menjual RM200,000 setiap bulan. Seorang klien boleh melabur RM10,000. Jadi anda hanya perlu mencari 20 klien. Dalam sebulan anda bekerja hanya 20 hari. Hanya dapatkan klien 1 orang 1 hari. Jika anda lebih bijak, anda boleh mencari klien yang mempunyai RM200,000. Ini bermakna anda perlu mencari 1 klien 1 bulan. Dan yang lebih mudah lagi adalah klien anda yang mempunyai simpanan KWSP yang besar. Klien anda akan boleh melabur setiap 3 bulan dengan anda. Ini adalah bisnes ulangan dari klien yang sama setiap 3 bulan.

Anda juga boleh bayangkan bisnes unit trust ini seperti membina empayar perniagaan dengan outlet yang banyak atau seperti perniagaan franchais. Cuma jadikan rakan-rakan anda seperti anda menjual RM200,000 setiap bulan dan anda akan dapat manfaat RM1200. Bayangkan anda ada 5 orang yang anda jadikan entrepreneur seperti anda; 5 X RM1200 = RM6000. Binalah seberapa banyak entrepreneur supaya pendapatan anda akan lebih berganda dan terus berganda.

Alangkah baiknya jika kita boleh lakukan ini semuanya di dalam kumpulan.

Mahukah Anda Kami Tunjukkan
Cara Mudah dan Pantas
Jika Anda Boleh Melakukannya
Secara Berkumpulan?

Soalan-Soalan Menarik Yang
Bermain Di Fikiran Anda Bakal
Terjawab di Seminar Kami Nanti!

Adakah persoalan-persoalan ini sering bermain difikiran anda untuk anda memulakan perniagaan unit trust anda?.

1. Apa itu Unit Trust?
2. Benarkah industri Unit Trust berpotensi besar ?
3. Apakah persediaan sebelum menjadi usahawan/konsultan Unit Trust?
4. Bagaimanakah cara memilih Syarikat Unit Trust yang sesuai dan terbaik?
5. Perbandingan antara Syarikat-Syarikat Unit Trust di Malaysia?
6. Apakah perbezaan di antara unit trust syariah dan konvensional?
7. Berapakah kosnya untuk menjadi Konsultan Unit Trust?
8. Apa yang anda perlu buat setelah mendaftar sebagai konsultan Unit Trust?
9. Apa itu EPF Investment Scheme untuk Unit Trust?
10. dan banyak lagi ......

Wajarkah Anda Membiarkan Peluang Yang Ada Di Depan Mata Berlalu Begitu Sahaja?

Manfaatkan Masa Anda
Sekarang Dengan Mempelajarinya
Daripada Orang Yang Berpengalaman!
Jika Anda Tidak Ingin Makan Gaji Selamanya...

Mulakan Langkah Pertama Anda Sekarang
Dengan Menghadiri Seminar Percuma Ini.
Pelajarilah Bagaimana Untuk Terus Memulakan
Perniagan Unit Trust
Walaupun Anda Bukan Seorang
Pakar Kewangan atau Pakar Jualan!

Matlamat Seminar:

Menyampaikan pengalaman kami dan membuka peluang kepada semua bumiputera untuk merebut perniagaan yang memberi pulangan lumayan dengan masa yang singkat.

PERCUMA!!!

Seminar Unit Trust - 2008!

"Cara Membina Bisnes Unit Trust Langkah Demi Langkah..."

Tarikh:

Sabtu, 26 Jan 2008 Selesai
Sabtu, 16 Feb 2008 Selesai
Sabtu, 1 Mac 2008 Selesai

Sabtu, 5 Apr 2008 Selesai
Sabtu, 17 Mei 2008 Selesai

Sabtu, 7 Jun 2008 Selesai

Sabtu, 14 Jun 2008 Selesai
Sabtu, 21 Jun 2008 Selesai
(Seminar Khas di Menara TM, Bangsar 9:45pg-12 tgh)
Sabtu, 19 Jul 2008 Selesai

Sabtu, 23 Aug 2008 Selesai

Sabtu, 6 Sep 2008 Selesai

Sabtu, 25 Oct 2008 DiBuka

Waktu:
9:00 pagi hingga 10:00 pg

Agenda:

09:00 pagi: Pendaftaran
09:15 pagi: Kenapa Perlu Bisnes?
09:30 pagi: Kenapa Bisnes Unit Amanah dan Syarikat XX?
09:45 pagi: Testimoni Konsultan yang Berjaya
10:00 pagi: Tamat

Tempat:

Public Mutual Training Room,

Tingkat 2 (gunakan lif),
Cheras Commercial Centre ,
Jalan 5/101C Off Jalan Kaskas,
56100 Cheras Kuala Lumpur.
bersebelahan dengan Hotel Caliber dan Restoran Janbo

Yuran: PERCUMA!!!

Terhad untuk 10 Peserta sahaja!

Jika anda bercita-cita untuk
menjalankan perniagaan Unit Trust sebenar,
Kami Cadangkan Anda Untuk Hadir!

Seminar Perniagaan Unit Trust

2008-10-20T19:06:00.000-07:00

Langkah Demi Langkah... Dan Terus Boleh Memulakannya"

Belajar Terus dari Agensi Unit Trust Bumiputera yang Telah Mendapat Anugerah Jualan Tertinggi 2007!

"Pelajari Cara Yang Pantas, Mudah Membina Perniagaan Unit Trust
Walaupun
Anda Bukan Pakar Kewangan atau Pakar Jualan!"

Daripada: Nasarudin Tarikh: Oct 21 2008 9:34A.M.

Assalamualaikum & Salam Ceria,
Adakah anda desperately looking for promotion di tempat kerja? Tapi tak kunjung tiba

Adakah perbelanjaan bulanan anda kurang dari pendapatan anda?

Adakah anda suri rumah yang ingin membantu pendapatan keluarga?

Adakah anda graduan yang tercari-cari kerja yang masih belum diperolehi?

Adakah anda bercita-cita untuk menjalankan perniagaan sendiri tetapi masih tidak dapat memulakannya?

Adakah anda gagal memulakan perniagaan kerana halangan-halangan ini?
Modal yang tinggi, tiada kepakaran, terlalu sayang dengan majikan dan tempat kerja anda dan tidak yakin pada potensi diri?

Anda mungkin telah menghadiri banyak kursus, membaca banyak buku/ ebook, membelanjakan sejumlah wang, memperuntukkan masa dan bermacam-macam lagi usaha demi untuk mencapai matlamat menambah pendapatan atau membina perniagaan namun masih buntu mengenainya. Bahkan anda mungkin telah mempunyai perniaagaan kecil-kecilan tetapi masih tidak berpuashati kerana masa yang terlalu sibuk. Kami akan menunjukkan kepada anda jalan penyelesaiannya!

Testimoni Arif Ismail (Pengurus Agensi):

Anda ingin membina perniagaan anda sendiri? Ikuti kisah pengalaman sebenar saudara Arif yang kini menjadikan perniagaan Unit Trust sebagai profesion sepenuh masa yang menguntungkan InsyaAllah.

Nama: Arif bin Ismail. Berkelulusan B.Eng. Electrical (UTM) dan MSc Telecomm and Info System (Essex, UK). Walaupun berkelulusan tinggi dan telah bekerja sebagai pengurus dengan syarikat korporat yang besar, namun hati beliau bergelora, bergejolak dan teruja supaya bagaimana beliau dapat menguruskan masa dan kewangan nya dengan lebih baik tanpa terikat dengan sistem yang telah ditentukan oleh majikan.

Anda mungkin telah memahami bahawa semakin lama anda bekerja, semakin besar gaji anda, semakin besar tanggungjawab anda dan semakin lanjut usia anda. Anda juga perlu berhati-hati bahawa semakin besar pangkat yang anda jawat, sebenarnya semakin kuranglah masa lapang anda untuk keluarga, beribadat khusus dan sebagainya.

Bahkan semakin besar gaji anda, semakin kuat terasa tekanan dari atas seolah-olah pihak majikan mahu menggantikan anda dengan orang yang lebih muda yang boleh dibayar gaji yang lebih murah. Bayangkan ketika umur anda menjangkau 50 tahun, tiba-tiba syarikat anda menamatkan perkhidmatan setia anda kerana syarikat terpaksa downsizing. Kemana anda mahu pergi? Mencari kerja lagi!!! Siapa yang sanggup membayar gaji anda yang sudah tinggi tu...

Oleh itu beliau tercari-cari idea bagaimana supaya apabila umur sudah melebihi 40 tahun, beliau dapat bekerja dengan tenang tanpa risaukan downsizing, boss marah dan sebagainya. Alhamdulillah, nak dijadikan cerita pada Nov 2005 beliau telah diperkenalkan oleh seorang rakan bernama Zamri untuk menceburi bidang perniagaan unit trust ini.

Pada mulanya beliau tidak yakin untuk membuat perniagaan ini kerana mendengarkan jualan yang dirasakan sangat tinggi (ketika itu) perlu dibuat untuk menyamai balik gaji yang telah saya terima dengan syarikat korporat dulu. Tetapi, Alhamdulillah setelah 3 bulan menceburi bidang unit trust ini, beliau telah dapat balik apa yang nya perolehi dulu.

Kini telah hampir 3 tahun beliau menjalankan perniaagaan unit trust ini dan beliau merasakan satu kerugian jika pengalaman ini tidak dapat dikongsi bersama rakan-rakan beragama Islam di seluruh Malaysia. Agensi beliau ini telah berkembang dari 1 orang kepada lebih dari 100 orang dalam masa yang singkat. Beliau yakin anda dapat melakukannya dengan lebih baik lagi terutamanya anda yang berpengalaman dalam bidang insurans/takaful dan MLM. Orang yang tiada pengalaman perniagaan seperti beliau dengan bantuan dan kesungguhan serta keizinan dari Allah pun dapat melakukannya.
Visi beliau adalah bagaimana Agensi nya ini dapat berkembang dengan membangunkan 50 Pengurus Agensi baru dalam masa 2 tahun sebagaimana pengalaman beliau sendiri yang Alhamdulillah telah berjaya menjadi Pengurus Agensi dalam masa 1 tahun 9 bulan hasil bimbingan leaders dan kawan-kawan yang memahami dan berkebolehan.

Untuk merealisasikan visi tersebut beliau mengadakan latihan intensif 2 kali sebulan yang dibuat pada hari Sabtu untuk membolehkan konsultan part-time (pada permulaannya) menghadirinya. Disamping itu, setiap hari Isnin, satu sessi brainstorming diadakan di pejabat kami berhampiran "Las Vegas". Konsultan separuh masa yang tidak dapat hadir sesi brainstorming boleh juga mendapatkan ilmu dari blog contohnya http://unittrustsmillionaires.blogspot.com dan juga akan dapat menerima nota perbincangan melalui emel.

Kami menganjurkan aktiviti jualan dan recruitment bulanan untuk membantu anda mengembangkan perniagaan anda dan membina empayar anda sendiri. Aktiviti recruitment yang dibuat adalah untuk anda kerana quota recruitment kami sudah penuh. Oleh itu konsultan-konsultan baru akan disalurkan kepada anda yang aktif supaya empayar anda dibina sejak awal lagi dan dapat menjadi Pengurus Agensi dengan lebih cepat. Kami memberi insentif 1 konsultan baru untuk anda yang mencapai jualan minima RM100k sebulan. Skim insentif ini akan berakhir tidak lama lagi. Oleh itu segeralah mendaftar.

Latarbelakang Azizah Saad (Our first GAM):

Selepas tamat kursus kesetiausahaan di Institut Teknologi Mara (sekarang UiTM) pada 1989 saya sempat bekerja sebagai setiausaha di bank. Sekian lama bekerja di situ, saya sedar kerja makan gaji tidak membawa saya ke mana-mana. Saya kuat percaya untuk kaya hanya dengan berniaga. Dalam Islam sendiri menyebut sembilan daripada 10 rezeki melalui perniagaan. Sebenarnya, dari zaman sekolah lagi saya sudah pandai cari duit sendiri. Saya bekerja di restoran dengan upah RM4.

Keluarga saya orang susah, bapa kerja nelayan dan emak pula suri rumah. Abang dan kakak saya tidak berpeluang bersekolah tinggi semata-mata untuk memberi laluan kepada adik-adiknya mendapat pendidikan yang lebih baik. Ketika ditawarkan masuk ITM, berdikit-dikit ayah kumpul duit untuk bayar yuran dengan dibantu abang. Masa di kolej juga saya cuba cari duit sendiri. Saya ‘ambil upah' mencuci rambut kawan-kawan, dapat 50 sen seorang, lepaslah duit makan. Saya pernah juga beli nasi lemak di luar kemudian saya jual balik pada kawan-kawan di kolej dengan mengambil untung sedikit. Walaupun apa yang saya lakukan nampak kecil, sebenarnya ia memberi pengalaman dan pengajaran berguna pada saya terutama dalam memahami dunia perniagaan.

Sebelum menyertai unit amanah, segala bentuk perniagaan saya buat daripada jualan langsung hingga kepada menjadi agen insurans. Ketika itu walaupun tidak mempunyai ramai kenalan di Kuala Lumpur, saya beranikan diri menegur dan menghubungi sesiapa saja yang berpotensi menjadi pelanggan saya. Cubaan menjadi agen insurans berhasil sehingga meraih pendapatan sekurang-kurangnya RM5,000 sebulan. Ketika itu saya mengambil keputusan berhenti kerja tetap kerana tidak mampu mengimbangi dua pekerjaan sekali gus.

Ketika situasi insurans kurang memberangsangkan disebabkan kejatuhan ekonomi pada 1998, pendapatan saya merosot sehingga ke RM1,500. Saya panik, tetapi bernasib baik mendapat peluang menjadi Unit Trust Consultant selepas diperkenalkan oleh seorang rakan. Setakat ini Alhamdulillah, pendapatan saya boleh dikira setaraf dengan CEO syarikat korporat.

Latarbelakang Jaslinah Abd Rahman (Our new GAM):

Jaslinah berkelulusan B.Accounting dan telah bertauliah sebagai Certified Financial Planner. Beliau telah menceburi bidang unit trust ini secara sepenuh masa semenjak tahun 2000 dan mempunyai pengalaman 8 tahun dalam bidang Treasury dan Risk Management. Beliau mempunyai kemahiran mendalam dalam selok belok pasaran saham dan juga merupakan sebahagian dari tenaga pelatih yang disayangi dalam agensi kami.

Testimonial

Anugerah yang dimenangi oleh Agensi kami yang diterbitkan di surat khabar Utusan Malaysia dan TheStar pada 19 May 2007:
Azizah Saad - 2nd Runner Up Top Group Agency Manager & Million Ringgit Producer

SIMPLE AGENCY BUSINESS OPPORTUNITY!

2008-10-20T18:04:00.000-07:00

The Malaysia’s Public best kept secret for creating wealth in Financial Services with little or no Experience REQUIRED is out!

It's Here:

A Revolutionary New System That Helps YOU Create Real Wealth in a billion Ringgit industry...

When you email us your cv or sms for f2f meeting, you'll learn how you could be earning an extra RM6,000 per month or more by simply sharing how your family members, relatives, office mates, neighbors and friends can double the return on their EPF Savings from publics top performers, speakers & trainers...

You will also learn how to:

•Create a solid agency business from home, with an easy to grow and sustainable income...

•Get special in house training and mentoring from public’s top 50 Agency Leaders and greatest business performers...

•And receive 6 life-changing businesses coaching worth RM 276 each for FREE during our limited time partnership drive...

"You are just sms away from uncovering the secrets that will change your fortune. Public have developed a simple, proven Agency Business Builder that will generate active and passive income. YOU can use this to seize an exciting opportunity, real business with the undisputed leader and performers atop a 500 Billion Ringgit Industry that’s growing like no others in Malaysia. We'll also share with you in on a latest marketing concept that sure to bring you the success you have been waiting for in less than 180 days!"

Nasarudin

Contact me at 019-6972465

AMAZING OPPORTUNITY>>>NATIONWIDE!

2008-10-17T20:24:00.000-07:00

Many roads to Rome...some swim, some walk, some run, some cycle, some drive and few flew into Rome. Worst some just watched! Some don't care!

Which group do you belong to?

Similarly so many road or route to Wealth...Million!

To reach there faster or slower...all depend on your decision. You decide how you going to reach there.

Like traffic jam most people prefer the shortcut!
My advice you better don't! Unless you want to get burn!

Take the acknowledge recognise way...you will be there faster..though slowly but surely! You will be part of the team that made millions!

For more information

Call 019-6972465!

Enemy On The Road To Millionaire!

2008-10-17T20:18:00.000-07:00

The enemy is the enemy within, so close yet so far...many times beyond reach. That,s PROCRASTINATION!!!

Those who aspire to be Rich must get rid of Procrastination, Today!

If you can't manage your self...please admit it...appoint others to Mentor you to Millionaire.

ACT NOW!

019-6972465

Financial Services Consultants - Amazing Career Opportunity!

2008-10-16T20:33:00.000-07:00

Financial Services Consultants - Amazing Career Opportunity!

Our Client, an established Fund Managers services provider, is looking for a high achiever with sales experience and some tertiary education.

This company is managing over Ringgit 25 billion of fund and has been in the industry over 15 years. They have experienced continued growth and as a result an opportunity to join their highly successful team has become available. You will be working on a day-to-day basis with a Group Agency Manager that will mentor and allow you the best chance to fulfill your potential in the exciting world of Financial Services.

The company offers:

• Lucrative and Fulfilling Career
• Excellent career development opportunities
• In-house training
• Mentoring
• Generous commission structure
• Paid Holidays overseas

To be successful you require:

• Works experience, preferable business, finance, engineering or sales and
marketing background
• Excellent communications skills
• A customer focus and demonstrated customer service skills
• Dream to be a millionaire
• Positive work attitude
• Some type of tertiary education demonstrating your ability to see things
through to completion

The Company have vast resources and back up by one of the largest and strangest bank in the country. The company is linked extensively through their network of nationwide offices and lead by a strong team. This will enable you to gain valuable experience and an ability to work with a company that wants to invest in your future. If you would like to work, excel and prosper within a dynamic and fun team environment plus all of the above call us now! Apply Online Now! *

Please submit your application through the comment!

Or call

019-6972465

How to double your sales?

2008-10-16T20:02:00.000-07:00

Did you know that customers love to be remembered?
When was the last time you communicate with your customer?
If you haven’t done so…please do it now! Pick up your phone and say, Hello...and smiles!

Yes, make sure you smile while on the phone… coz your customer will feel the vibration on the other side…Try This!

Or you should try sending sms, email or letter!

The issue is…what to say! Yes most of us have this problem of not knowing what to say after the prospects become customers. Well, you may say or send anything related to the business that are of value to the customers! Watch up! Do not spasm!

You may begin with sending info on…..

Market News...Fund News...Season Greetings...Thank you letter...Congratulation Notes
New fund launch...Quarterly Reviews...New Brochures
Reports...Get together session like morning breakfast...etc

Hope these ideas helps you to be in touch with your customers and double your sales!

Katakan Tidak Kepada Pelaburan Tanpa Lesen!

2008-10-16T19:23:00.000-07:00

BNM serbu 4 syarikat

KUALA LUMPUR 13 Okt. – Bank Negara Malaysia (BNM) hari ini menyerbu empat buah syarikat skim cepat kaya melalui Internet yang mempunyai rangkaian beratus-ratus ribu pelabur dengan nilai pelaburan dipercayai mencecah ratusan juta ringgit.

Serbuan tersebut dilakukan di beberapa lokasi di Lembah Klang setelah syarikat-syarikat terbabit disyaki menjalankan kegiatan mengambil deposit tanpa lesen dan membuat pelaburan haram di Kuala Lumpur, Selangor dan Negeri Sembilan.

Mengikut maklumat daripada laman web, secara umumnya syarikat-syarikat tersebut menetapkan bayaran minimum RM1,000 sebagai deposit untuk pendeposit menyertai bidang perniagaan seperti pengiklanan, pelancongan dan perkhidmatan.

BNM dalam satu kenyataan di sini memberitahu, syarikat terlibat ialah Buluhmas Enterprise Sdn. Bhd., Jazmeen (M) Sdn. Bhd., Noradz Travel & Services Sdn. Bhd. dan Eastana Farm Industries Sdn. Bhd.

Buluhmas yang beribu pejabat di Tanjung Karang, Selangor dalam laman webnya mendakwa ia memiliki 700,000 ahli sebagai pembayar deposit di seluruh negara.
Kaedah perniagaannya menggunakan promoter untuk mengiklankan aktiviti syarikat dengan menampal pelekat yang tertera logo syarikat atau perkhidmatan yang ditawarkan kepada pendeposit.

Sekitar pukul 9.30 malam ini, laman web Buluhmas masih boleh dilayari yang menunjukkan sejak April lalu ia telah menerima hampir 250,000 pengunjung.

Sementara itu, Jazmeen dalam laman webnya mendakwa dengan permulaan modal sebanyak RM1,000, pendeposit mampu mendapat pulangan 120 peratus dalam tempoh 12 bulan pertama dan jumlah itu terus bertambah pada tahun-tahun berikutnya.

BNM dalam kenyataannya menambah, tindakan ke atas keempat-empat syarikat itu diambil setelah Unit Penyiasatan Khas BNM menjalankan siasatan terhadap aktiviti syarikat berkenaan.

"Kesemua penganjur skim pelaburan itu akan ditahan selepas BNM merekodkan kenyataan mereka kerana disyaki mengambil deposit secara haram dan menjalankan aktiviti penggubahan wang haram," jelas kenyataan itu.

Seorang jurucakap BNM ketika dihubungi memberitahu, jumlah sebenar ahli terlibat dan nilai deposit yang dikumpulkan oleh keempat-empat syarikat itu hanya akan diketahui apabila kes mereka dihadapkan ke mahkamah dalam tempoh terdekat.

Aktiviti syarikat-syarikat itu disiasat mengikut Seksyen 25 (1) Akta Bank dan Institusi-Institusi Kewangan 1989 yang melarang mana-mana individu yang tidak mempunyai lesen daripada menerima dan mengambil deposit.

Katanya, jika sabit kesalahan pegawai dan pemilik syarikat-syarikat terlibat boleh didenda tidak melebihi RM10 juta atau dipenjara untuk tempoh 10 tahun atau kedua-duanya sekali.

Syarikat-syarikat itu juga disiasat di bawah Akta Pencegahan Penggubahan Wang Haram dan Pencegahan Pembiayaan Keganasan 2001 (AMLATFA 2001) yang melarang mana-mana individu daripada terlibat atau cuba untuk membabitkan diri atau bersubahat melakukan kegiatan penggubahan wang haram.

Jika disabitkan kesalahan, mereka yang didakwa boleh dikenakan denda tidak melebihi RM5 juta atau dipenjarakan untuk tempoh tidak melebihi lima tahun atau kedua-duanya sekali.

Menurut kenyataan BNM, skim pelaburan yang dianjurkan oleh keempat-empat syarikat yang diserbu hari ini menyatakan kononnya ia berasaskan perdagangan mata wang, pasaran hadapan komoditi, pelaburan luar persisiran dan saham-saham lain.

Dakwaan itu, kata BNM, hanya rekaan semata-mata.
"Orang ramai diingatkan supaya sentiasa berwaspada dengan skim yang ditawarkan melalui Internet, panggilan telefon atau seminar yang dianjurkan oleh individu atau syarikat yang tidak dilesenkan oleh BNM,'' jelas kenyataan itu.

Orang ramai boleh mengetahui senarai syarikat dan institusi berlesen yang menerima deposit dengan melawat laman web BNM.

Bila nak melabur buat ler kaji selidik dulu agar tidak terjebak pelaburan2 sebegini.

Ketahui lah anda semua boleh jadi kaya dengan melabur dalam Saham Amanah yang telah di lesen olih Bank Negara Malaysia dan di Kawalselia olih Suruhanjaya Sekuriti Malaysia.

Untuk maklumat lanjut:

sms ke 019-6972465 sekarang!

rocky's bru: Pak Lah, could you take the garbage out as you leave, please?

2008-10-14T00:16:00.000-07:00

rocky's bru: Pak Lah, could you take the garbage out as you leave, please?

Marketing Your Way to Millions

2008-10-13T23:26:00.000-07:00

One of the fastest ways to create wealth is in climbing the business Mountain. There are only four ways to become a millionaire

1. Investments: Unit Trusts, Stocks, bonds, CDs
2. Real estates: Owning properties
3. Business: Marketing products, service or ideas
4. Internets: Expanding possibilities;

These are mountain range of wealth.

If you want to reach the summit of these mountains quickly, a million dollar profit in a year or less – you need 3 things

Dream: A clear vision and a definite “why”
Team: A network of expert mastermind partners
Theme: A million-dollar product, service or idea.

Imagine yourself in conversation five years from now. Try these words on size:

“I made my millions in Unit Trusts”“I made my millions by investing in stock market”
“I made my million in business persuading people investing in unit trust”
“I made my millions on the internet?”

Which one seems right to you?

Source: The One Minute Millionaire by M.V Hansen & R.Allen

Need help to make decision?

In Malaysia,
Please SMS request to

019-6972465 Now!

Asian Stock Rally!

2008-10-13T21:40:00.000-07:00

By JEREMIAH MARQUEZ, AP Business Writer 1 hour, 53 minutes ago

HONG KONG - Japan's stock market soared in early trading Tuesday, leading a second-day rally in Asian stocks after Wall Street staged a dramatic comeback from its worst week ever.

Sparked by global efforts to fix the world's crippled financial system, Tokyo's benchmark Nikkei 225 index jumped 1,079 points, or 13 percent, to 9,355. The Japanese financial markets were playing catch-up because they were closed Monday for a public holiday.

In Australia, the S&P/ASX200 index traded more than 5 percent higher after the government announced plans to inject 10.4 billion Australian dollars ($7.4 billion) to strengthen the country's economy.

Markets in South Korea, Singapore, New Zealand and Taiwan also climbed 5 percent or more.

The advance came after the Dow Jones industrial averages on Monday gained more than 11 percent — its biggest one-day rally since 1933.

Traders reacted with relief moves by the U.S. government to inject capital into major banks and get lending flowing again among companies. That followed signals that European governments were putting up nearly $2 trillion to safeguard their own banks.

"The governments are ensuring that no matter what happens they're not going to allow another major institution to fail," said Nicole Sze, an investment analyst at asset manager Bank Julius Baer & Co. in Singapore. "What's happened in the last 48 years is an extremely positive development. ... You're seeing a reversal of the panic selling, and we think a temporary bottom has been found."

In Europe on Monday, Germany's DAX ended up 518.14 points, or 11.4 percent, at 5,062.45, while France's CAC-40 finished 355.01 points, or 11.2 percent, higher at 3,531.50.

Britain's FTSE 100 gained 324.84 points, or 8.3 percent, to 4,256.90, despite some hefty falls in the banks that have accepted government help. The strong showing follows sharp falls in stock indexes worldwide last week, and as interbank interest rates remain abnormally high.

Despite Monday's sharp share price gains, investors remain skeptical that the stock markets are out of the woods. It's too early to tell if the banking measures outlined Monday will actually work or how the recent carnage in financial markets will play out in the global economy.

"I'm not convinced yet. It's a bit of a waiting game," said David Jones, chief markets strategist at IG Index.

The latest coordinated move emerged before European trading began, when top central banks — including the U.S. Federal Reserve and the European Central Bank — unveiled new measures to thaw frozen credit markets and bolster funding to banks. They joined the Bank of England and the Swiss National Bank in saying they would provide unlimited U.S. dollar funds to financial institutions. The Bank of Japan said it was considering similar measures.

The banks' action came after leaders of the 15 countries using the euro said Sunday they would guarantee new bank debt until the end of 2009, allow governments to help banks by buying preferred shares, and vowed to rescue important failing banks through emergency recapitalization.

The key is whether the flurry of activity can actually ease conditions in the credit markets. Despite the coordinated interest rate reductions announced last Wednesday, and massive liquidity boosts, the rates at which banks lend to each other continued to rise. That means banks were afraid to lend to each other, and raises the chance that they and other businesses won't get the credit they need to operate.

The London interbank offered rate, or Libor, for three-month dollar loans fell 0.07 percent to 4.75 percent, while the similar rate in euros, or Euribor, dipped only 0.063 to 5.318 percent. The rate remains well above the euro zone's benchmark rate of 3.75 percent set by the ECB, meaning the credit freeze is far over. Usually Euribor is much closer to the ECB rate.

"There's been nothing dramatic but there are some modest improvements in rates and spreads," said Neil Mackinnon, chief economist at ECU Group.

Latin America shares have been hammered by the recent global sell-off, but rebounded sharply on Monday. Brazil's Ibovespa stock index rose 14.7 percent to close at 40,829, regaining ground after losing 20 percent of its value last week.

Mexico's IPC index meanwhile gained 11 percent to close at 22,096, while Chile's benchmark IPSA index jumped 12.5 percent to 2,364 and Peru's IGBVL index rose 13.7 percent to 8,668. Exchanges in Argentina and Colombia were closed for a national holiday.
___
AP Business Writers Pan Pylas in London and Bradley Brooks in Sao Paulo, Brazil contributed to this article.

Dear Investors,

Now is the critical moment! Should you go in or be on the sideline and watch the stocks rise? Don't see or listen to sentiments! Use your Common Sense! What's come downs will goes up and vice versa!

But never say this to yourself....if only I did it...then..I should be rich now!.

Look at the real fundamental of the stock and make up your mind. Your common sense should help you decide..!

Have Faith!

Keep Cool and Relax!

If in Malaysia you should go public!

Need help to go public?

SMS request to 019-6972465 Today!

Langkah Pertama adalah Penyataan Jutawan Budiman

2008-10-13T21:04:00.000-07:00

Anda tidak perlu melihat semua kaedahnya, yang penting yakin dan
percaya serta melakukan langkah pertama. Ingat,
lakukan langkah pertama!

Pedulikan apa jua kedudukan dan dimana anda sekarang. Yang penting
ambil lah langkah pertama dengan membuatlah
Penyataan Untuk Membuat Satu Juta Pertama untuk
menjadi Jutawan.

PENYATAAN JUTAWAN BUDIMAN

Saya disini telah mengambil keputusan untuk menjadi
Jutawan Budiman bagi tujuan menghapuskan
semua tekanan kewangan, serta berjaya menikmati kehidupan
kebebasan kewangan serta berkongsi kekayaan dengan
masyarakat.

Ditandatangani pada_____ hari____bulan________Tahun

_______________

Tanda Tangan Anda

Pegangan Jutawan Budiman

2008-10-13T20:00:00.000-07:00

Percayalah semua kekayaan datang bersama berbagai keistemawaan dan
tanggung jawab.Keistimewaan ada rentetan nya:

1.Kebebasan Kewangan
2.Kebebasan Masa
3.Kebebasan Bermasyarakat
4.Kebebasan Kerohanian
5.Kebebasan Pembangunan Kebendaan dan
6.Yang Utama ialah Kebebasan Mencari dan Membina Kelebihan
atau Kehebatan Kepintaran serta kebijaksanaan diri sendiri.

Untuk menjadi Jutawan Budiman ialah satu Kebebasan
bermatlamat untuk menjadi..., melakukan atau berusaha menjayakan dan
mendapatkan apajua yang di idamkan selagi ianya tidak menyusahkan
atau memudaratkan orang lain dan sebaliknya membantu ramai orang atau
menyumbangkan kebaikan kepada masyarakat sekeliling.

Jutawaan Budiman biasanya bermurahati menyumbangkan sebahagian
besar dari keuntungan untuk kebaikan masyarakat saperti - anak2 yatim, ibu
tunggal, bapa tunggal, masyarakat marhaeim, semasa bencana alam,
pembangunan pendidikan, perubatan, pengawalan dan pembaikan alam
sekitar,perubahan,penyelidikan perubatan serta teknologi, berzakat,
membantu mangsa kelaparan,membangun maysrakat dagang dan lain2.

Kaedah Jutawan Budiman berusaha mencari kekayaan:

1. Jangan Bawa Kesusahan: Hindarkan membangun kekayaan melalui cara
yang salah dan merugikan orang lain. Carilah keuntungan dan bukan
mendatangkan kerugian atau kesusahan dan kekurangan.Ini membawa
erti carilah kekayaan dengan cara jujur, amanah serta saling
menguntungkan semua dan bijaksana.

2. Berbuat Baik. Jutawan Budiman bahagia mencipta
kekayaan yang mendatangkan kebaikan kepada masyarakat.Matlamatnya
adalah membina kekayaan dengan membantu ramai orang jadi kaya.

3. Bergerak sebagai Pembimbing. Jutawan Budiman
bermurahati atas kejayaan kewangannya disamping berterusan
membimbing orang ramai. Ramai mereka rasa terpanggil untuk
membantu berbagai usaha tertentu. Matlamatnya ialah menyumbangkan
secara berterusan untuk kebaikan. Dengan erti kata kekayaan
bukan untuk diri sendiri sahaja tapi untuk kebaikan
masyarakat umum. Untuk membuktikan kesungguhan ini
Jutawan Budimanmenyumbangkan antara 2.5- 25%
kepada masyarakat. dengan cara ini moga moga masyarakat ummum
dapat dibantu.

Disini kami ingin mengalakan Jutawan menyumbangkan sebahagian dari
kekayaan kepada masyarakat sekeliling, supaya kehidupan mereka lebih
baik. Moga dengan usaha ikhlas para Jutawan, jarak perbedzaan kekayaan
akan lebih mengecil dan masyarakat dapat hidup dalam kesejahteraan.

Intelligence is the route to Millionaire!

2008-10-05T23:44:00.000-07:00

One of the single most important concerns of any investor - is intelligence. I do not meant IQ but real information that give any investor the edge over the others in yielding better returns on invesments. Like the talk of the world now, the turmoil that is facing 117 financial institution in the so called super economy nation of the world. That uncle sam had gone into buying foreign currency such as Australian, Swedish, Danish...++...into almost $230 billion over the last few weeks. Thats, before tabling the bail out bill for another $700 billion. These are news....should we believe? Can we trust these reports of so and so ...Wall street analyst? With over load of intelligence which is to be believed? Does the informant has any particular agenda that is not known to most investors? And why should we believed in this informant? Is our intelligence about the financial turmoil accurate? or is it purposely stated for another raid on the world economy?. we see from past experience intelligence is knowledge. Knowledge when correctly and timely applied is power.

Every millionaire rely on power at hand. Real power is derive from accurate intelligence, accurate information and accurate knowledge. As investors, the key issue is knowing what information is correct and what to believe? The timing of receiving and using this information is equally critical...in achieving the target objective.

Selamat Hari raya Aidl Fitri!

2008-10-04T15:29:00.000-07:00

Selamat Hari Raya Aidl Fitr to all viewers.

Aidl Fitr Mubarak!

May this Syawal bring new prosperity to us all.

Thank you

Dare to Dream

2008-09-29T01:29:00.000-07:00

All those plunderer, I salute them, coz they dare to dream. Yes, They dare to dream Big Big Bang!

And who ever running up there, its not going to be much different..ain't it?

http://unittrustsmillionares.blogspot.com

rocky's bru: The new MoF's first big test

2008-09-29T01:23:00.000-07:00

rocky's bru: The new MoF's first big test

http://unittrustsmillionaires.blogspot.com

You Can Be That Millionaire You Always Wanted!

2008-09-29T00:20:00.000-07:00

Now, imagine a picture of your dream life - as a millionaire?

Boleh ke anda bayangkan kehidupan idaman anda?

What's the feeling like to have all the Time and Money to do whatever you wanted as a millionaire?

Apa rasa anda bila anda ada masa dan wang untuk buat apa saja yang anda mahu?

Belief it, you can have all that! The only thing that is stopping you, is YOU! Yes, YOU!

Percayalah, anda boleh dapat semuanya! Apa yang menhalangnya ialah, diri anda!

All you must to do is change your subconscious mind so that it matches what you wanted to achieve...that's is being a millionaire

Apa yang anda perlu lakukan ialah ubah fikiran bawah sedar anda supaya ia menyamai semua kemahuan anda..

Aha, I can hear you saying "but you already did it!"
Sekarang, saya dengar anda berkata” tu semua dah buat!”

You know what it is you wanted ... And you know you really
wanted to be a millionaire! ...So it makes sense that your subconscious must know this too. Right?

Anda tahu apa yang anda hendak…dan anda memang benar2 hendakan nya!...anda percaya fikiran bawah sedar anda tahu ya..?

WRONG!

TIDAK!

If your subconscious knew your conscious mind wanted you to be a millionaire, then you would already have it. It really is that easy and simple - well the concept is anyway.

Jika benar, anda dah dapat apa yang di ingin kan. Ia cukup mudah sebenarnya, kalau anda tahu.

The hard part is 'undoing' the current programming and putting in the new programming.

Lebih kurang macam computer…anda Cuma perlu tukar program lama dengan program baru

One method for doing this is "visualization".
Satu cara islah dengan “membayangkan nya”

How to turn your Saving to Million Ringgit Return?

2008-09-29T00:16:00.000-07:00

What If You Found a Way You Could
AUTOMATICALLY And Effortlessly
“Program Your Saving To Grow Into A Million Ringgit Success”
In Just 15 Minutes - Without
Having Any Headache?

You’re About to Discover a Revolutionary NEW Breakthrough in
Saving and Investing That’s RIGHT NOW Creating Almost Magical, Gigantic Breakthroughs in People’s Wealth, In Financial Return and Freedoms…

It’s Approved, It’s Cashless, It’s Simple. It’s Easy... And I Assure It Will Work For You -- Even If NOTHING Else Has Worked Before...

The story of ….Millionaire

2008-09-26T18:41:00.000-07:00

UTC is just an ordinary guy like you and most people on the street, on the bus, in the train, at the hypermarket or just round the block. He is just a humble soul with strong determination to make it in live. Like most of us UTC tried a desk job at some organization before his burning desire blast out… it is so unbearable to get jammed up on the streets, day in day out…worst...its turning into weeks, months and years now…why ring 019 6972465..try my luck…oh…so pretty…yes she is…out of the window…how lucky…so young...got chauffer driven in BMWs….ala 7 series some… uh…young chick… must be her dad’s car…dad’s driver…..no…no… she probably…have sugar daddy somewhere…hei…hei wake up…we are here already herelah..…019-6972465

From Secretary to Business Owner

2008-09-26T00:00:00.000-07:00

As a secretary she realized that she could never realize her dream of becoming rich and independent let alone be a millionaire. She tried her hand in many network organizations that promises one can be a millionaire in no times but still she was still not able to attain her dream of Financial Independent. That was 12 years ago.

As a secretary with a clear goal of taking herself and family out of situation where the cash run out before the month end, she continued searching... She was introduced to unit trust sales agency business. And with definite sense of purpose to change her life, she never looked back. Though her first month earning was only around $1K... that does not make her loose faith. She move forward and leverage on the organization leadership and training. After 5 years in the business her earning jumped to 48K a month. She was indeed happy and pleased, coz even if she stayed back as secretary and is promoted to GM in her old organization; she certainly would not be able to reach an increment that high.

Her current earning has reached 6 digits per month. With 6 digit income per month she is at the same level of some of Bank CEO in Malaysia. I saw one of her income statement showing 120++

You too can be like her!
If only you make a decision to change now!
You too can be a CEO of your own Unit Trust Sales Agency and have income like bank CEO.
If a Secretary can, you can too!
SMS your decision to 019-6972465 now!

Peluang Keusahawanan Saham Amanah - Lumayan!

2008-09-23T19:37:00.000-07:00

Kenapa?

Kadar pertumbuhan Industri Saham Amanah di Malaysia dari tahun 1992 sehingga Februari 2008 meningkat 172.9 kali

Tahun 1992 cuma - RM400 juta nilai dalam Saham Amanah

Tahun 2008 meningkat - RM 69.177 billion Saham Amanah

Kadar penyertaan rakyat Malaysia dalam Saham Amanah cuma 12.07 peratus

Kadar penyertaan rakyat Jepun dalam Saham Amanah - 48 peratus, Amerika, U,K, Australia - 40 peratus

Kadar penyertaan rakyat India, Thailand dalam Saham Amanah - 15.0 peratus

Mengapa saya patut menceburi perniagaan Saham Amanah?

Kerana saya berhak mempunyai perniagaan yang memberi pulangan lumayan dan berkembang.Industri Saham Amanah amat tepat kerana ia-nya berkembang pesat dimana dana terkumpul dan belum dilabur dalam Saham Amanah RM501 billion.

Lebih dari 4.0 juta rakyat Malaysia yang mampu dan layak belum melabur.

Ini bererti kadar penyertaan rakyat Malaysia dalam pelaburan Saham Amanah amat rendah berbanding dengan Jepun dan U.K.

Saperti usahawan lain, saya memilih usaha yang mempunyai pasaran yang cerah, maju serta berdaya saing. Saya memilih syarikat pengurusan dana Saham Amanah no. 1 Malaysia. Ini kerana Dana dana Saham Amanah yang diuruskan mereka telah memberi pulangan lumayan secara terus menerus - diatas 20% hitung panjang untuk tempuh 5 dan 10 tahun. Syarikat dana Saham Amanah no. 1 Malaysia ini telah berada dalam pasaran lebih dari 27 tahun.

Syarikat Pengurusan Dana Saham Amanah No. 1 ini juga menguasai 39% dari pasaran Saham Amanah di Malaysia. Saham Amanah yang diuruskan syarikat no. 1 ini bernilai lebih dari RM27.0 billion. Dimana bilangan akaun Saham Amanah berjumah lebih dari 1,800,000 juta.

Pelaburan dalam Saham Amanah juga boleh mencipta lebih ramai Jutawan (millionaire)di Malaysia dalam jangka masa panjang. Saham Amanah juga boleh menjadi satu alat dimana ramai rakyat biasa boleh mengumpul dana, untuk persaraan, pendidikan anak anak atau pun dana untuk perniagaan.Saham Amanah juga boleh disertai oleh semua anggota masyarakat dari semua peringkat - dari tukang sapu sampai lah jutawan (millionaires)

Saya memilih perniagaan Saham Amanah kerana ia menyediakan pelaburan untuk semua. Pasaran Saham Amanah cukup luas dan memberi pendapatan yang amat lumayan. Modal untuk memulakan perniagaan Saham Amanah ini juga amat kecil, ia-itu RM250.00 sahaja. Modal ini juga bakal dikembalikan...

Dalam perniagaan Saham Amanah ini saya tidak bersendirian. Syarikat no. 1 ini menyediakan Rancangan Latihan dan Bimbingan Kerjaya dari hari Pertama dan berterusan sepanjang tahun.

Saya juga dibenarkan mengembangkan sayap perniagaan dengan mengajak anggota keluarga serta kawan2 menyertai perniagaan Saham Amanah ini.

Pemimpin Silver Gold Strike yang saya sertai juga berwibawa, berilmu dan perhatin.

Diantara ilmu yang diberi semasa waktu latihan dan bimbingan adalah

. Apa itu Saham Amanah

. Kaji selidik pasaran

. Dimana/ siapa pasaran anda

. Bagaimana membuat persembahan kepada bakal pelanggan

. Mengenal dan hubungan pelanggan

. Mengurus perniagaan dan rangkaian.

Selain komisen yang lumayan, perniagaan Saham Amanah ini juga menyediakan peluang melancong keluar negara secara percuma bagi mereka yang layak dan ruang kerja umum untuk semua usahawan.

Memandangkan Perniagaan Saham Amanah ini berkembang dengan pesatnya, saya menjemput pelayar laman blog ini - menyertai

Silver Gold Strike Group

Sekarang!
Kekosongan 3 Usahawan untuk setiap negeri di Malaysia.!

Kelayakan:

SPM

Umor: 21 tahun keatas

Mempunyai cita untuk maju dan berkembang dalam perniagaan

Sihat

Sedia untuk belajar

Sudi di untuk dibimbing

Rajin berusaha

Sabar menunggu kejayaan

Mesra masyarakat
Untuk maklumat lanjut sila hubungi

019-6972465 Saham Amanah

Be a Unit Trust Consultant with the # 1 company in Malaysia

2008-09-22T18:51:00.000-07:00

Go public, Malaysia's leading private unit trust company. That pole position was not handed to them on a platter. Rather, it is testimony to decades of their hard work and the viable working relationship between their agents and their team. Yet they fully realise that being # 1 and staying # 1 are two rather different things.

Despite having a clear vision of what they want to become, and adhering to sound values that they hope will get them and you there, they aren't taking anything else for granted. The only way they can stay at the head of their game is by constantly nurturing an intelligent, dynamic agency force like you. They do so by paying competitive commission and healthy incentives, and providing all the usual perks (and more!) plus the opportunity to become the absolute best professional entrepreneur you can be. Oh, and in case you were wondering, they also work a five-day week, promote an ongoing learning culture, and operate within a smoke-free working environment!

Each new Unit Trust Consultant receives a copy of their UP FRONT handbook that lucidly elaborates what they expect from you and - just as importantly - what you can expect from them.

So, if you think you might want to consider an entrepreneurial career with them, please check back here regularly. As and when vacancies arise, we shall post them here.

Competition for a position with them is intense, but don't let that stop you from contacting us. YOU may be just whom they're looking for, and vice versa.
Should you wish to apply for a position as Unit Trust Consultant with them, please mail a professionally written resume, an enticing cover letter and a recent photo of yourself to:

Recruiter,Unit Trust Millionaires, E.2.7 Jalan Dutamas 3, Kuala Lumpur 50480

Financial Turmoil - How to protect your self?

2008-09-18T19:10:00.000-07:00

Understanding various Financial Instruments and its application as Financial Freedom tools is very important and timely!

Say No to Procrastinations!

Call 019-6972465 Now!

Examples of Financial Freedom Solution - Tools used by Millionares.
Financial Instruments

► Takaful

► Insurance

► Unit Trusts/Mutual Fund

Financial Instruments - Concept

► Immediate Wealth Creation

► Income Protection

► Health Care Financing

► Education Funding

► Retirement Funding

► Business Equity Holding Protection

 Inheritance Protection
 Exit Protection

► Expertise Protection

Financial Freedom Solution – Tools at 019-6972465

Financial Concept Application - Instruments

► Selection

 Provider

 Products

 Consultant

► Cost

 Budget

 Services

► Tenure

 Life

 Medium/long term

► Beneficiary

 Next of Kin

 Business Associates

► Implication

 Time

 Money

Decision
► Needs

► Information

► Suitability

► Budget

► Timing

► When

Now call 019-6972465

Protect yourself and loveones from Financial Turmoil Today!

Call 019-6972465 for Obligation Free presentation.

One Million Ringgit " EPF" Retirement Fund

2008-09-16T21:01:00.000-07:00

Have you exercise your privilege to invest a small portion from your EPF account 1 into unit trust?

Yes!.. Congratulation!

You are on the way to becoming millionaire when you retire 30 years from today! With that millions you may continue living with your currents living standards, then. That's Financial Freedom!

But you should not stop there!

You should do more...!.

For further information please sms to 019-6972465.

Should you yet to utilised your privilege allowed by EPF

Please sms 019 6972465 for more information

Now is the right time!

The market is low... you can make a good buy now!

Do it now at 019-6972465 !

It is your key to A Million Ringgit Retirement Fund!

Call service number 019-6972465 now!

All the Bests
and
Selamat Hari Raya Aidl Fitr!

Weekly Market Wrap

2008-09-16T20:59:00.000-07:00

Just to share with you KLCI market wrap for the week ended 12 September 2008

The KLCI fell to a 22-month intraday low of 1,039.65 points on Thursday due to pressure selling by foreign institutional investors. A loss of 2.5% to close at 1,044.03 points for the week was registered.

Mix reaction shown in the regional market. Japan, Korea and Taiwan picks up following gains in the U.S market.

Overseas markets are likely to influence the Local market as investors monitor the outlook for commodity prices, economic growth and interest rates.

Quiet Millionaires!

2008-09-16T19:02:00.000-07:00

What's that?

I am sure many of you had receive emails and sms on - how to become a millionaire. Specifically many of those email and sms talk about how you can become " A Quiet Millionaire". It is not about a millionaire keeping quiet but rather how you can make million or be a millionaire quietly. The message basically refer to how you can make million through 3 ways:

1) Investing

2) Home business or networking.

3) Agency business

When we talk about investing - we must have a clear objective, know our risk tolerant and use the right vehicle. Do not ever get involve in get rich quick scheme. Bewares! There are so many get rich quick scheme in the market and on the internet. Some are so sophisticated and convincing. It may fool you into believing that you can make a quick gain in no time doing nothing other than introducing 2 -3 friends.

To be safe invest in Unit Trusts/ Saham Amanah / Mutual Fund and surely you will achieve your objective of becoming a millionaire.

Don't be foolish!

Go only, to the bonafide and regulated Investment institution license by Bank Negara / Security Commission such various UNIT TRUST / SAHAMA AMANAH / MUTUAL FUND companies. Go for Shariah compliance - they are more transparent on the profit and stringent in the investment monitoring and measures.

Home business or networking, popularly known as Multi Level Marketing (MLM) and Direct Selling. There are at one times over 800 such organization licensed in Malaysia.

Beware!

There are many unlicense and those waiting for license, in operation. Some of these companies promoted a very attractive and convincing maketing plan. I prefer to call them earning plan (cheating plan). Some Malaysian prefer this MLM business. They believe they can be rich or millionaires in no time and no sweat.

They usually look only for the " marketing Plan' and new start up companies. They believe the early birds will make the big money and help them to achieve their millionaire dream. No one ever ask for the company's profile and their track record. Let alone request the profile of the management team. Every one usually so engrossed in the uniqueness of the marketing plan - both the promoter and the audiences (prospects). They focus only on the " earning potential offers by the marketing plan". MLM though licensed but not so regulated and monitored like Takaful, Unit Trusts / Saham Amanah/ Mutual Fund by the authority concerned.

Some are bonafide and good operators but you need to be prudent in doing your due diligents. Never never be taken by what the leader/introducer is presenting to you. It is common that leaders/ introducer jump ship after signing you up. Do your own due diligent. Be patient. Hold tight to your purse.Its better never than sorry.

The third is the Agency Business. It is more of a Sales Agency. This type of business operation is the domain of Takaful, Insurance and Unit Trusts/Saham Amanah industry. It is license and highly regulated by Bank Negara and Security Commission. There is minimum requirement to get into this business. These are big business with small manageable start up capital which you may want to look at. If you are serious well organised and committed you can make 6 - digit income per month. That is quiet common. 5 -Digits income is common. There are so many professional succesful in the Unit Trust Agency Business such

1. Professional Managers

2. Accountants

3. Engineers

4. Lecturers

5. Doctors

6. Teachers

7. Fresh graduates

The market potential, especially for unit trust investment is huge. The fund size not yet invested in unit trust market is around 800 billion. Only about 15% Malaysian investing in unit trust as compare to 45% and higher in Europe and Japan. So, the market is yours for taking. It is the sun rise industry.

The lowest commission going around is 2%. So the market potential is really huge. So be a unit trust consultant today and be part of this Multi- Billion Ringgit Industry. Talk of the market that one Unit Trust Consultant make RM 1 million per month. I suggest that you have a look and study this Agency Business Potential and be one of those Quiet Millionaire!

For more detail sms 0196972465.

How To Be A Millionaire?

2008-09-13T17:10:00.001-07:00

So many of us dream to be a millionaire...but how many make that decision to be a millionaire someday? Not many. So, so long as you only wish you could be that millionaire, you will never be a millionaire. That you must believe me. What you need to do ...to be a millionaire is to make that decision to one - I am a millionaire one day, say 5 years from today or at least 30 years from now!

Once you have made that decision to be a millionaire, you need to wake up and trust your self that you can attain the position of becoming a millionaire in a specific time frame. Yes, you need to have a specific time frame to achieve your desire to be a millionaire. Than you need to have a mechanism - to help you work your way to that goal of becoming a millionaire. I believe most of us are just common people without any strong or powerful asset or leadership foundation to depend on. I suggest you look at the following options:

1. Immediate Wealth Creation - you can achieve this through Takafulink. Takafulink is a financial instruments that assure you that in the event you are gone from this world...your wife and kids will have that "millionaire Cash Inheritance" that you promised. Your key is at 0196972465!

2. Wealth Protection - is another method where you may let Takafulink protect the million ringgit that you have made - so that you and family may continue living as millionaire should you are totally and permanently disabled. Your key is at 0196972465!

3. Medical Expenses. Let say suddenly you are diagnosed and contracted - any of the 36 Critical Illnesses such as Cancer, Stroke, etc...should need to... you may seek treatment like a millionaire and let Takafulink take care of your medical expenses. Your key is at 0196972465

4. Retirement Fund. To be sure you will retire a millionaire...start today save in Unit Trust / Saham Amanah/ Mutual Fund. Doesn't matter whether you retire at 50s, 60, 70s or 80s.

That's the time you really need to be a millionaire. You most likely be single again. Your kids have grown up and have their own life and your spouse gone to heaven and you left alone. Some might need walking stick or others to care for them. What if you are not prepared for retirement or your EPF/KWSP and what ever saving is gone or to small to give you a comfortable living and inflation riding high?

Believe me, very likely - no one is likely to employ you; and you might not be strong enough to work or just out of touch with reality to be useful to others. So, why not start saving in unit trust/saham amanah/mutual fund today. It doesn't hurt you now... as much as it will hurt you 20...30 years from today.

Take my advise, start your unit trust/ saham amanah / mutual fund today. You may start from as low as $100 Ringgit monthly and be that millionaire you always wanted to be in your 50s, 60s, 70s, or 80s. Yes unit trust/saham amanah/ mutual fund is the way to be a millionaire. Your key is at 0196972465

5. Education Fund. Education is costly today and will be costlier in the future. In the future, only millionaires are able to send their kids to colleges, universities - be local or in the foreign land. Children’s are your fruits of love. With love they most likely will care for you as their parents. Only education can assure them and you that they can take care of you should there need be. So, again you may do this in a un hurting way by putting a side a small manageable some $200 Ringgit in unit trust/ saham amanah/ mutual fund for your kid and your better future. Your key is at 0196972465

Of course, finally it is your decision whether your want seriously to be a millionaire or just you wish you will be a millionaire!

Distribution is one way to make money in Unit Trusts

2008-09-11T01:06:00.000-07:00

Declaration of distribution

For the financial year ending 31 August 2008 We are pleased to inform that we will be declaring a Final Distribution of eight(8) sen per unit to unitholders of Public Small Cap Fund, who remain in the Register as at 31 August 2008:

Kindly take note of the following:

i)The net distribution and tax credit per unit for the final distribution will only be determined once our auditors,have finalised theaccounts. Unitholders will be notified of the net final distribution and taxcredit through the Tax Voucher.

(ii)For unitholders who opt for distribution reinvestment, the final distribution will be reinvested at NAV per unit, computed at the close ofthe first business day following the distribution date. No service chargewill be imposed on distribution reinvestments.

Declaration of distribution For the financial year ending 31 August 2008,
cont(iii) The Tax Voucher (including the distribution cheque), Annual Statement and Annual Report will be despatched to unitholders by 31 October 2008.

Work desk job and retire as millionaire

2008-09-10T23:40:00.000-07:00

Hi, good day, it was raining this morning in KL but now the sun is shining as ever. The road is congested with people going to works as usual. Everyone it seems is racing to work to make a living. In the city it is call a rat race. These is how the city people entrust their live daily. It is all for some ringgit at the end of the month. That's far from million ringgit that millionare should have. But thats how most people trust their life should be. Alas, this can change it. if only they make the decision to be a millionaire. Yes, with unit trust it is possible for anyone to be a millionaire. Unit trusts is the approach for those with small extra cash to be a millionaire. Yes with small extra cash consistently invested over the months for say 25 to 30 years you can be a millionaire. If you can put a side and invest in unit trusts RM 200 a month and let it roll and roll over with the profits over the years, your unit trusts will make million. Yes, when you have a million ringgit , you are known as millionaire. With simple financial calculator ( if you need one free Financial calculator just sms or call 019-6972465) then you can compare the return on your unit trusts with that of say fixed deposit, some amanah saham...you will see that unit trusts bet them all.

So, if you want to be a millionaire you need to start young and start now. of course you may start small.

In 30 years times you will be a millionaire! Thats when you needed the million most. You are probably in your late 50s or 60s or even in the 70s or 80s. Thats when most of us will be single again and lonely. Kids has grown up and started their own family and busy in the rat race. So trust the way of unit trust, you will be on the way to becoming a millionaire nearer. In God I trust you will subscribe to unit trusts.

For free Financial calculator just sms 019-6972465 or email us.

Good Luck.

Now is the time to invest!

2008-09-09T18:55:00.000-07:00

No matter what's happening in the global economy, no matter what the media says... damn with what the politicians were saying…someone is becoming a millionaire from unit trusts!

Dear audience,

If you were to believe everything you read, watch or hear, you might think that nobody is investing in stocks, unit trusts, buying properties and no new automobile is sold because …everyone is waiting for 916 these days, and that's baloney. When come Raya, Christmas or Chinese New Year…everyone is complaining about high prices…coz they want low prices. That is cheap sale!

In fact, there's never been a better time to become investors in stocks or unit trusts but now, when the stock is low. This is what smart investors are doing. Those who is in the market at the right time, have faith and become millionaire. Please, please never ask non-investors guru or advisors.
Look at some fund last year...there’s a numbers of fund that are making between 30 to 70 percent over less than a year period…depend on which counter and the timing you were in and out.
Never let your self sway by the sentiment or emotion. Never trust that. Trust only your unit trust investment advisor. It is a long term vehicle to financial freedom in your retirement!

Be cool and steadfast to your long term goal!

"The Unit Trust Millionaire Training Program is so good where you are able able to learn the concepts of investment right away and see the market from a more realistic perspective".

Unit Trusts Performance

2008-09-09T10:40:00.000-07:00

Public Mutual declares distributions for 2 funds

Public Bank’s wholly-owned subsidiary, Public Mutual declares distributions for two of its funds. The total gross distributions declared for the financial year ended 31 August 2008 are as follows

Fund Gross Distribution / Unit

Public SmallCap Fund 8.00 sen
PB Islamic Equity Fund 3.00 sen

Public Mutual’s Public SmallCap Fund which was launched in 2000, is an award winning fund, having received a total of 10 awards in its category from The Edge-Lipper Malaysia Fund Awards and The Star/Standard & Poor’s Investment Fund Awards Malaysia. Public Small Cap Fund was ranked No.1 for its five-year returns in its category with an impressive return of 113.47% for the period ended 8 August 2008, according to The Edge-Lipper Fund Table dated 18 August 2008. The fund is distributed by Public Mutual unit trust consultants, while PB Islamic Equity Fund which was launched in 2005, is distributed by Public Bank branches nationwide.

Public Mutual is the largest private unit trust company in Malaysia, and it manages 67 funds for more .

Millionaire Career Path

2008-09-09T09:04:00.000-07:00

Call zero one nine six nine seven two four six five NOW and Change your life!

If you are fed up with your salary finishing before the month ends..?

When you felt strapped to 925 job and nothing getting any better..?

If you have a dream to own home at Bukit Persiaran Duta, Bukit Segambut, Tropicana Damansara or Condos next to KLCC and fleet of Mercedes and BMWs at your garage...?

Would you want to have fattening bank account, platinum card cards and cash stack in your safe at home...?

Call zero one nine six nine seven two four six five NOW and establish your own Sales Agency for Unit Trusts business.

At Unit Truts Millionaire we provide on going training and step by step instruction on how you can develop, grow and excell in this unit trusts business.

If you choose to invest, we will show and coach you to success!

At Unit Trusts Millionaire, anybody can succeed and make million through investing in unit trusts or running his or her own Unit Trusts Sales Agency.

Call zero one nine six nine seven two four six five NOW and be part of billion Ringgit organization.

We are very frank and open in our intention and we welcome you to go Public with us in unit trusts.

Industry rating agency value us going Public with over 100 awards given over the years. Thats our strength when going Public in unit trusts.

This unit trusts business is flush with still untap fund in the hand of the public amounting to over Ringgit 500 billion. Its yours for the taking. It is 10 billion rinngit potential lying out in the public domain if you can to see and grab. Its all unit trusts. Trusts us and you will make it with unit trusts.

Join Unit Trusts Millionaire be live with your wonderful dream!

When you join us ...you will be mingling with thousands of professional who had made our way by going Public!

Remembers..we care for your success in unit trusts.

Instant Millionaire!

2008-09-08T21:58:00.000-07:00

Don't believe it?

You better do! Coz this is the sure way of creating millions!.

Yes, go Takafulink!.

It is an instant instrument to million in wealth. Definite wealth, where your husband and kids can inherrite them. So, go sign up Takafulink today!

On top and above that should you are warded in any specialist hospital without cash in the pocket or credit card...not to worry about your medical bills. All is taken care by the takafulink. Not to worry every things is done online where the facility allows.

The beauty Takafulink can always be link to the unit trust the way to millionaire!

Takaful link is ideal for immediate Wealth Creation!

Go look for them for security and peace of mind!

Remember do not Procrastinate!

Otherwise you may need Bersama mu TV3 to settle your medical bill, alas they manage to locate you.

So, hurry up while the sun still shine.

Takafulink is your savior the sure millionaire for those who see and willing to seize this opportunity.

All the bests!

You Can Be A Millionaire!

2008-09-08T20:19:00.000-07:00

Do you know that you can be a millionaire?

Yes you can be a millionaire!

If only when you decide you seriously and earnestly want to that MILLIONAIRE...you are the Millionaire!

and today every one in Malaysia can be millionaire,

Yes every one in Malaysia can be a millionaire!

It is the Malaysian Dream...Malaysia Boleh!

And you Boleh be that millionaire! Do you want to know how?..

It has to begin with trust and end up in thrust!

You need to trust your self that you may be that millionaire,

You must have the trust that you can be a millionaire.

You must trust that you like to be a millionaire.

You must have trust that you really want to be a millionaire.

You must trust that you will be happy as millionaire.

You must trust that you will put in the effort to be a millionaire.

You must the trust that unit trust is the way you can be a millionaire.

You must trust that unit trust will give you the millionaire performance.

You must trust unit trust will give the millionaire return.

You must trust unit trust will give millionaire dividend.

You must trust unit trust can trusted to help you to be that millionaire.

Many who trust unit trust already a millionaire.

Many who trust in unit trust are relying on that unit trust and they soon be millionaire.

When trusting you shouldnt follow sentiment or emotion but go with the public who trsut unit trust.

Public trust is important in unit trust otherwise no trust. So go unit trust to be a millionaire.

Only unit trust you can trust to take you to be millionaire in your live.

UNIT TRUST IS THE ONLY TRUST YOUR BEST BET ON!

With unit trust you can be millionaire !

MILLIONAIRES

2008-09-08T19:20:00.000-07:00

Want to be a Millionaire!

Millionaire is the bust word that most people want to subscribe to or wanted their name and indentity to be associated with. When we talk about millionaire, it refers to someone who had at least a million of cash in any currency (monetary term) such as Ringgit Malaysia, Brunei Dollars, Saudi Riyal, Euro, Pound Sterling etc. Of course ones can be a millionaire with Indonesian Rupiah, Italian or Turkish Lira, Japanese Yen, Chinese Yuan, Korean Won, Iranian Riyal to start with in their purse or wallet its o.k. Your are still a millionaire, feel and walk like any other millionaire and please be proud of your millionaire position.

Many people dream of being a millionaire in term of Malaysian Ringgit, Euro, Sterling Pound, Dollars but only some managed to attain that position. Even fewer are able to retain that millionaire position and a smaller number were able to make that millionaire grows to be billionaire. Some people dream to be a millionaire, few people work up to be one millionaire, a few even inherrited millionaire, one or two marries and be a millionaire. The dare devil even rob banks, people; those in power position and situation carry corrupt practise, a few become hire killer, some become smugglers to attain the position of a millionaire.

So, MILLIONAIRE is the most talk about word and sought after position or situation. Work, venture into business, invest in UNIT TRUST, takaful, borrow, rob or steals, marry or inherrite are ways one can be a millionaire. It has to begin with a dream. Then one need to make the decision to be a millionaire. Then set or design a plan to be a millionaire. The most important aspects of becoming a millionaire is to implement the "Millionare Work Plan". Even critical is the ACTION in order to make the thrust. Only then one is on the way to be a millionaire. Other aspect anyone want's not wish to be a millionaire must do is... see himself or herself as a millionaire in the mirror or in the dream, think like one millionaire, act like one millionaire, walk like millionaire, smile like millionaire, work like millionaire, excited like millionaire... today any one and every one be a millionaire in his or her life time. YES! you can be a millionaire in your life time!.

What you need to do is just dream you are a millionaire, Think you are a millionaire, Decide that you are the millionaire, feel like a millionaire and take action to be the millionaire. Believe it! you will be a millionaire!

Now that you have a goal to be a millionaire., you need to design the road map that will take you to be the millionaire. Then find the outfit that can take you to be the millionaire. Find someone that can drive you to be the millionaire. Get someone to guide you to be the millionaire. Find out what it takes to a be a millionaire. Most important thing is you must have the passion to be the millionaire and wait to be there. Then you must know that your are the MILLIONAIRE!