Mengapa merancang dan pendidikan itu penting..?
Pendidikan yg sempurna merupakan hadiah yg paling berharga serta murni yg boleh di berikan oleh ibubapa kpd anak2 mereka. Dengan adanya pendidikan yg berkualiti bukan sahaja anak-anak akan dapat pekerjaan yg baik tetapi menjadikan mereka manusia yg berilmu serta berwawasan.
Tahukah anda pada hari ini hanya 3% dari pelajar lepasan sekolah menengah yg berjaya ke IPTA .? Bagaimana dengan nasib 97% baki pelajar tersebut.? Tahun 2005 sahaja menyaksikan 100,000 pelajar gagal untuk melanjutkan pelajaran ke IPTA bukan kerana mereka tidak layak tetapi kekurangan atau tiada kekosongan tempat. Kerajaan hanya mampu menasihatkan mereka untuk melanjutkan pelajaran tersebut di IPTS.
Melanjutkan pelajaran ke luar negeri atau IPTS boleh dijadikan alternatif,tetapi tahukah anda kos pendidikan di luar Negara dan IPTS sangat tinggi.? Setiap tahun ramai pelajar yg menangis kerana hasrat dan impian mereka untuk melanjutkan pelajaran ke institusi pelajaran pilihan mereka tidak kesampaian. Malahan ramai ibubapa terpaksa menjual harta serta meminjam dari pelbagai institusi kewangan yg mengenakan faedah tinggi. Lebih malang lagi,terdapat sebilangan pelajar IPT yg melacurkan diri mereka,semata-mata untuk mendapatkan wang ringgit bagi menampung kos kehidupan mereka di kampus. Adakah ini yg kita mahukan untuk anak-anak kita..?
Kenapa ini berlaku..? Jawapannya sgt mudah – mereka tidak bersedia dari awal untuk menyediakan tabung pendidikan anak-anak mereka..! Tahukah anda kos pendidikan di IPTS yg berjumlah rm68,000 hari ini akan menjadi rm194,000 pada 18 tahun akan datang..? Di sinilah kesedaran awal sangat penting untuk ibubapa menyediakan kos tersebut seawal yg mungkin.
· Kadar inflasi atas 6% setahun
Bagaimana hendak memulakan tabung pendidikan..?
Langkah 1 :
Tentukan jenis pendidikan yg ingin anda sediakan untuk mereka dan di institusi pelajaran mana yg jadi pilihan anda samada luar negara,berkembar,IPTS atau IPTA.
Langkah 2 :
Tentukan jumlah simpanan yg perlu di buat untuk mencapai matlamat anda. Anda perlu mengambil faktor tempoh simpanan,kadar inflasi serta kadar pulangan perlaburan. 3 faktor ini bakal menggambarkan kos pembelajaran sebenar untuk masa hadapan anak anda.
Langkah 3 :
Pastikan anda menerima khidmat nasihat dari mereka yg bertauliah serta profesional. Menerima khidmat nasihat yg salah bakal menyaksikan impian masa hadapan anak-anak anda tidak tercapai.
Langkah 4 :
Inilah langkah yg terpenting untuk anda lakukan iaitu bertindak segera ke arah penyediaan dana pendidikan ini. Semakin awal anda bermula maka semakin kuranglah kos tersebut. (TIME VALUE MONEY). Semakin anda lewat maka anda semakin rugi dari segi pulangan perlaburan. (COST OF DELAY)
Kami di VIBRATION CONSULTANCY sedia memberi khidmat nasihat secara profesional...
Person to contact : Hanafi
Contact number : 012-2737467
E-mail : hanafi_vibrationagency@yahoo.com
Masa berurusan : mengikut masa pelanggan
Tuesday, September 9, 2008
Wednesday, August 20, 2008
What is Retirement Planning all About?
Retirement planning is the thought and commitment that you put into providing for income and a satisfactory lifestyle for your later years after you leave the work force. Most people will spend an average of 25 or more years in retirement so careful planning is necessary for this to be a comfortable time.
When you reach retirement age, you will probably have income from social security and possibly a pension but will that be enough? Will you continue to live in you present home or will you relocate? Do you want to travel? These and many more questions will need to be answered in you preparation for your retirement years.
Retirement planning should begin as soon as you start your first job but most are too busy raising a family to think about something that far away. It’s awfully hard to think about retirement when you’re wondering where to find the best day care for your infant. This is the time to look at your pension plan or 401(K) at work and have as much as you are allowed or can afford contributed each pay. As soon as you can, you should start investing a percentage of your pay for your retirement. These investments can be IRAs, mutual funds, insurance, stocks, bonds, money market, or other investment vehicles your consultant might suggest. The secret is to make it a habit to invest regularly and not be tempted to use the money.
If you are older and just starting to think about your retirement, there are ways you can make up for lost time. Starting at a younger age gives you more time to accumulate money but with good investment strategies, you can sometimes manage to make enough for a comfortable retirement even with a late start. Discuss your needs with a financial planner(insurance consultant/unit trust agent/independent consultant) and stick to your plan.
Your retirement income will probably dictate where you will live and whether or not you can fulfill a dream of traveling. You might want or need to work well into your retirement years. More and more men and women are starting second careers after retiring from one job. The choice of when and how you retire is yours. Plan wisely.
When you reach retirement age, you will probably have income from social security and possibly a pension but will that be enough? Will you continue to live in you present home or will you relocate? Do you want to travel? These and many more questions will need to be answered in you preparation for your retirement years.
Retirement planning should begin as soon as you start your first job but most are too busy raising a family to think about something that far away. It’s awfully hard to think about retirement when you’re wondering where to find the best day care for your infant. This is the time to look at your pension plan or 401(K) at work and have as much as you are allowed or can afford contributed each pay. As soon as you can, you should start investing a percentage of your pay for your retirement. These investments can be IRAs, mutual funds, insurance, stocks, bonds, money market, or other investment vehicles your consultant might suggest. The secret is to make it a habit to invest regularly and not be tempted to use the money.
If you are older and just starting to think about your retirement, there are ways you can make up for lost time. Starting at a younger age gives you more time to accumulate money but with good investment strategies, you can sometimes manage to make enough for a comfortable retirement even with a late start. Discuss your needs with a financial planner(insurance consultant/unit trust agent/independent consultant) and stick to your plan.
Your retirement income will probably dictate where you will live and whether or not you can fulfill a dream of traveling. You might want or need to work well into your retirement years. More and more men and women are starting second careers after retiring from one job. The choice of when and how you retire is yours. Plan wisely.
Tuesday, August 19, 2008
5 Ways to Prepare for Retirement
We go through many transitions during our lifetime but the transition from work to retirement seems to be the worst. I’m not sure if it’s because of our thoughts about retirement or because of poor planning. I personally think it’s our thoughts about retirement and the implications tied to it. For years, retirement has literally meant the end. When a person decides to retire, they are older and they seem to associate retirement with the end of life. We need to change this notion. Retirement should be considered the beginning of another stage of life, not an ending.
Retirement will change your life. I repeat, retirement will change your life. Are you ready for this change? When you left high school, your life changed. When you got married, your life changed. When you had children, your life changed. It stands to reason, when you retire your life will change. Whether this change is good or bad is up to you. You’ve probably prepared yourself financially for this stage of life but what about emotionally? What will you do with your time? A permanent vacation might seem like the ideal way to live but will you be able to fill your time once you have this luxury? So much free time might get quite boring after a while. I was once told by a retiree that taking a vacation isn’t nearly as much fun if you don’t have to plan how you will get the time off from work.
You should start now to plan how you will spend your retirement years. These five tips will help you along the way:
1. Change how you identify retirement. Consider retirement as a beginning, not end.
2. Create an identity outside the workplace. Start a hobby or other interest not related to work.
3. Slow down. Instead of volunteering for additional work, delegate more.
4. Renew your relationships with family and friends. If you’ve always been too busy with work to enjoy a life, reverse your thinking and get busy living.
5. Don’t be too hard on yourself. The transition could be difficult but you can do it.
Remember, retirement isn’t an all or nothing event. If you find the retirement lifestyle too boring, go back to work, but on your terms. There are lots of opportunities for a retired person who wants to supplement income or just keep busy. Some find consulting to be fulfilling while others do part-time work or volunteer. How you spend your retirement is quite personal and you should tailor this to your wants and needs.
Retirement will change your life. I repeat, retirement will change your life. Are you ready for this change? When you left high school, your life changed. When you got married, your life changed. When you had children, your life changed. It stands to reason, when you retire your life will change. Whether this change is good or bad is up to you. You’ve probably prepared yourself financially for this stage of life but what about emotionally? What will you do with your time? A permanent vacation might seem like the ideal way to live but will you be able to fill your time once you have this luxury? So much free time might get quite boring after a while. I was once told by a retiree that taking a vacation isn’t nearly as much fun if you don’t have to plan how you will get the time off from work.
You should start now to plan how you will spend your retirement years. These five tips will help you along the way:
1. Change how you identify retirement. Consider retirement as a beginning, not end.
2. Create an identity outside the workplace. Start a hobby or other interest not related to work.
3. Slow down. Instead of volunteering for additional work, delegate more.
4. Renew your relationships with family and friends. If you’ve always been too busy with work to enjoy a life, reverse your thinking and get busy living.
5. Don’t be too hard on yourself. The transition could be difficult but you can do it.
Remember, retirement isn’t an all or nothing event. If you find the retirement lifestyle too boring, go back to work, but on your terms. There are lots of opportunities for a retired person who wants to supplement income or just keep busy. Some find consulting to be fulfilling while others do part-time work or volunteer. How you spend your retirement is quite personal and you should tailor this to your wants and needs.
STAGFLATION AND RETIREMENT PLANNING
Lately there have been a lot of references to “stagflation” when describing the current economic outlook. Webster’s defines stagflation as: an inflationary period accompanied by rising unemployment and lack of growth in consumer demand and business activity. In other words, there are a lot of people who are out of work but prices are increasing like there is too much money chasing too few goods. What does this mean for your retirement planning?
Most retirees, or soon to be retirees, live on fixed incomes. That is, retirees don’t get a pay raise just because prices go up. Yes, you might get a small cost-of-living-adjustment on your Social Security but most other “mail box” money does not increase with inflation. What’s more, the money you’ve set aside for retirement grows only as fast as the earnings will allow, and generally these are below the rate of inflation. In the early stages of stagflation, judging from the limited times it has occurred, interest rates are generally very low even though prices are rising rapidly. This means your earnings on bank CDs and fixed-rate bonds are below inflation and your purchasing power (what your money will buy) is losing ground. But, you’re reluctant to move your money to the stock market or put it in real estate because they are generally depressed, or highly volatile, as well. So, how do you protect your retirement nest egg?
Unfortunately, you’ve received a difficult assignment because there are not a lot of safe harbors. You should immediately assess the risks you are taking with your investments — if you can’t afford the worst case outcome, you need to take action. Inflation and the erosion of your purchasing power is bad enough but add to that losses from investments and you might have a really dull retirement. What investments might be at risk? Any money that you’ll need in the next ten to twelve years that is currently invested in stocks, bonds, mutual funds, variable annuities and anything else that goes up and down in value with economic and financial cycles.
The next thing you look at is income taxes. Are you paying income taxes on your Social Security benefits? If so, how might you reduce them without lowering your lifestyle? Let’s see, you have a bank CD that earns interest which is included in your taxable income and boost income taxes overall as well as makes a larger share of your Social Security benefits taxable. Why not move this into a fixed, tax-deferred annuity that either pay you a fixed rate of interest or interest that is determined by a stock market index? You will pay no current taxes on earnings, there is no tax bite on your Social Security benefits and you have the guarantee of an insurance company that you’ll not lose money unless you cash in your annuity early. As an added sweetener, with an index-linked annuity you’ll get the opportunity for an above-market return while avoiding the possibility of market losses.
The last way to protect yourself is to divide your retirement money into segments. The first segment will be the money you’ll be using in the next five years. This money will need to go into safe investments and be readily available. This means you’ll be forced to stick with bank CDs, money market accounts and possibly money market mutual funds. Stagflation is going to have an impact on this money and there is little you can do except hope for a near-term economic turnaround.
The second segment is where you put your annuities to get the tax deferral and the opportunity for higher earnings without sacrificing safety. This is the money you’ll need in five to fifteen years from now.
The last segment is the money you’ll need in twelve years and beyond. I’m assuming you have enough for this segment, if not you’ll simply place none of your retirement money here. Since it is reasonable to expect economic and market cycles to work themselves out over a decade or longer, you can afford to take a bit more risk; therefore, conservative mutual funds, diversified stock portfolios and other securities may be appropriate assuming you can afford the risk and sleep well.
You’ve just constructed a retirement ladder with your money. Each “rung” means that the money you’ll need during that time period will be maturing and ready for use “just at the right time”. You’ve minimized your taxes, lowered your risk, shelter more of your money from stagflation and diversified your investments. If all this sounds a bit too complicated for you, why not call your financial advisor and get professional help? If you elect to do nothing different in the face of changing economic times, then you’ll probably not sleep as well, have less to carry you through retirement and pay more taxes. What are you waiting for?
Most retirees, or soon to be retirees, live on fixed incomes. That is, retirees don’t get a pay raise just because prices go up. Yes, you might get a small cost-of-living-adjustment on your Social Security but most other “mail box” money does not increase with inflation. What’s more, the money you’ve set aside for retirement grows only as fast as the earnings will allow, and generally these are below the rate of inflation. In the early stages of stagflation, judging from the limited times it has occurred, interest rates are generally very low even though prices are rising rapidly. This means your earnings on bank CDs and fixed-rate bonds are below inflation and your purchasing power (what your money will buy) is losing ground. But, you’re reluctant to move your money to the stock market or put it in real estate because they are generally depressed, or highly volatile, as well. So, how do you protect your retirement nest egg?
Unfortunately, you’ve received a difficult assignment because there are not a lot of safe harbors. You should immediately assess the risks you are taking with your investments — if you can’t afford the worst case outcome, you need to take action. Inflation and the erosion of your purchasing power is bad enough but add to that losses from investments and you might have a really dull retirement. What investments might be at risk? Any money that you’ll need in the next ten to twelve years that is currently invested in stocks, bonds, mutual funds, variable annuities and anything else that goes up and down in value with economic and financial cycles.
The next thing you look at is income taxes. Are you paying income taxes on your Social Security benefits? If so, how might you reduce them without lowering your lifestyle? Let’s see, you have a bank CD that earns interest which is included in your taxable income and boost income taxes overall as well as makes a larger share of your Social Security benefits taxable. Why not move this into a fixed, tax-deferred annuity that either pay you a fixed rate of interest or interest that is determined by a stock market index? You will pay no current taxes on earnings, there is no tax bite on your Social Security benefits and you have the guarantee of an insurance company that you’ll not lose money unless you cash in your annuity early. As an added sweetener, with an index-linked annuity you’ll get the opportunity for an above-market return while avoiding the possibility of market losses.
The last way to protect yourself is to divide your retirement money into segments. The first segment will be the money you’ll be using in the next five years. This money will need to go into safe investments and be readily available. This means you’ll be forced to stick with bank CDs, money market accounts and possibly money market mutual funds. Stagflation is going to have an impact on this money and there is little you can do except hope for a near-term economic turnaround.
The second segment is where you put your annuities to get the tax deferral and the opportunity for higher earnings without sacrificing safety. This is the money you’ll need in five to fifteen years from now.
The last segment is the money you’ll need in twelve years and beyond. I’m assuming you have enough for this segment, if not you’ll simply place none of your retirement money here. Since it is reasonable to expect economic and market cycles to work themselves out over a decade or longer, you can afford to take a bit more risk; therefore, conservative mutual funds, diversified stock portfolios and other securities may be appropriate assuming you can afford the risk and sleep well.
You’ve just constructed a retirement ladder with your money. Each “rung” means that the money you’ll need during that time period will be maturing and ready for use “just at the right time”. You’ve minimized your taxes, lowered your risk, shelter more of your money from stagflation and diversified your investments. If all this sounds a bit too complicated for you, why not call your financial advisor and get professional help? If you elect to do nothing different in the face of changing economic times, then you’ll probably not sleep as well, have less to carry you through retirement and pay more taxes. What are you waiting for?
Thursday, August 14, 2008
KOS PENDIDIKKAN
Sudah tiba masanya sebagai ibubapa yg menginginkan masa depan anak2 yg cemerlang di dalam pendidikan serta mempunyai kerjaya yg baik di masa hadapan membuat perancangan dari awal secara sistematik dan jelas. Pada tahun 2006 menyaksikan sebanyak 100,000 pelajar gagal masuk IPTA bukan mereka tidak layak tetapi berlakunya masalah kekosongan tempat. Mereka semua di nasihatkan menyambung pelajaran di IPTS. Maka timbulah masalah kewangan yg kritikal kerana kos di IPTS sangat tinggi dan ramai ibubapa yg tidak mampu.
Siapakah yg menjadi mangsa..? perlukah anak2 kita berhenti belajar semata2 masalah kewangan.? perlukah kita menjual harta untuk mendapatkan wang pendidikan.? PTPTN..? Hari ini sahaja PTPTN berhutang sebanyak 7 billion ringgit dgn KWSP kerana kekurangan aliran tunai. Adakah 15 tahun lagi PTPTN akan tetap relevan atau interest pinjamannya akan naik kpd 10% berbanding 4% hari ini..? Oleh itu jalan yg terbaik adalah membuat perancangan awal dan semua ini perlu ibubapa lakukan kerana kos pendidikkan meningkat tahun demi tahun. Sebagai contoh jika hari ni kos untuk menjadi seorang doktor di IPTA rm100,000 18 tahun akan datang kos ini akan meningkat menjadi rm285,000.
Tanpa perancangan yg baik saya yakin ianya akan menjadi masalah yg sangat besar untuk ibubapa menyediakan kos tersebut. Sebagai perancang kewangan yg profesional saya ada menyediakan khidmat penyediaan dana pendidikkan tersebut tanpa perlu anda membuat pinjaman. Anda boleh menghubungi saya di talian 012-2737467 atau e-mail di : hanafi_vibrationagency@yahoo.com.
Kepuasan anda adalah kejayaan buat kami.... Hanafi
Siapakah yg menjadi mangsa..? perlukah anak2 kita berhenti belajar semata2 masalah kewangan.? perlukah kita menjual harta untuk mendapatkan wang pendidikan.? PTPTN..? Hari ini sahaja PTPTN berhutang sebanyak 7 billion ringgit dgn KWSP kerana kekurangan aliran tunai. Adakah 15 tahun lagi PTPTN akan tetap relevan atau interest pinjamannya akan naik kpd 10% berbanding 4% hari ini..? Oleh itu jalan yg terbaik adalah membuat perancangan awal dan semua ini perlu ibubapa lakukan kerana kos pendidikkan meningkat tahun demi tahun. Sebagai contoh jika hari ni kos untuk menjadi seorang doktor di IPTA rm100,000 18 tahun akan datang kos ini akan meningkat menjadi rm285,000.
Tanpa perancangan yg baik saya yakin ianya akan menjadi masalah yg sangat besar untuk ibubapa menyediakan kos tersebut. Sebagai perancang kewangan yg profesional saya ada menyediakan khidmat penyediaan dana pendidikkan tersebut tanpa perlu anda membuat pinjaman. Anda boleh menghubungi saya di talian 012-2737467 atau e-mail di : hanafi_vibrationagency@yahoo.com.
Kepuasan anda adalah kejayaan buat kami.... Hanafi
HELLO PEJUANG-PEJUANG GELOMBANG
Salam.......setakat sehingga 15/08/08 GELOMBANG sedang mendahului dengan amat baik(rm10,600) dan tahniah dari saya. Malangnya pencapaian ini belum boleh saya berpuas hati kerana sumbangan hanya dari seorang sahaja. Semangat teamwork belum boleh dapat saya lihat dengan jelas. Ahli2 gelombang Ina, Baeith,Azizi,Hassan,Aishah,Fatin, Intan,Illa,Ej,Mohti dan Nasrul anda perlu bergerak atas semangat berkumpulan yg baik. Jalankan tanggungjawab dan komitmen anda dengan sepenuh hati.
Tiada yg mudah jika bercerita tentang kejayaan. Semuanya perlu di bayar dengan ketabahan serta kesabaran. Anda semua masih muda serta berpendiddikan dan saya menjangkakan anda semua boleh berjaya di dalam industri kewangan ini yg semakin hari semakin berpotensi tinggi untuk menjadikan anda usahawan cemerlang. Percayalah, anda tidak silap memilih bidang perancang kewangan ini. Apa yg penting setiap masa penuhi dada anda dengan ilmu yg mantap.
To Change Thing U must Change First..! Ubah minda anda,ubah sikap anda,ubah disiplin serta komitmen anda. Seorang peniaga yg berjaya sentiasa mencari peluang bukan alasan,sehingga masalah yg datang akan menjadi peluang baginya.
Saya harap ahli2 gelombang boleh membuktikan semangat berpasukan yg baik pada bulan ini. Lunaskan hutang komitmen anda untuk bulan Ogos ini. Bertanggung jawab pada janji anda..! Itulah tanda kesungguhan
Tiada yg mudah jika bercerita tentang kejayaan. Semuanya perlu di bayar dengan ketabahan serta kesabaran. Anda semua masih muda serta berpendiddikan dan saya menjangkakan anda semua boleh berjaya di dalam industri kewangan ini yg semakin hari semakin berpotensi tinggi untuk menjadikan anda usahawan cemerlang. Percayalah, anda tidak silap memilih bidang perancang kewangan ini. Apa yg penting setiap masa penuhi dada anda dengan ilmu yg mantap.
To Change Thing U must Change First..! Ubah minda anda,ubah sikap anda,ubah disiplin serta komitmen anda. Seorang peniaga yg berjaya sentiasa mencari peluang bukan alasan,sehingga masalah yg datang akan menjadi peluang baginya.
Saya harap ahli2 gelombang boleh membuktikan semangat berpasukan yg baik pada bulan ini. Lunaskan hutang komitmen anda untuk bulan Ogos ini. Bertanggung jawab pada janji anda..! Itulah tanda kesungguhan
Monday, August 11, 2008
Kita perlu berubah
Salam......kpd 'my partners' dan rakan-rakan, pernah kah anda berfikir anda sebenarnya perlu berubah.? dan masa terlalu cepat untuk menafikan perubahan itu. Dan anda juga sering merasa keliru antara perubahan atau pengekalan diri.
Inilah di antara permainan minda yang selalu memerangkap kita jika kita tidak bertekad bersungguh-sungguh untuk melakukan perubahan itu. 'Love to change'. Kita mesti cinta pada perubahan yang positif kerana dengan perubahanlah kita akan semakin matang dalam kehidupan. Jangan biarkan ketakutan menjadi hakim kepada masa hadapan anda. Anda perlu berani kerana hanya keberanian yang akan memberi anda kekuatan.
Tiba masanya kita anak-anak melayu perlu berani menceburi bidang perniagaan secara serius dan profesional jika kita tidak mahu ketinggalan di dalam segi kewangan maupun pemilikkan ekuiti di tanah keramat ini. Jangan leka dengan sekeliling yang sentiasa membutakan pandangan kita tentang masa hadapan. Keselesaan sentiasa menghalang ke arah kejayaan. Oleh itu kita tidak boleh selesa. Kekeliruan penafsiran 'keselesaan' akhirnya akan meninggalkan kita jauh di belakang dari segi ekonomi berbanding bangsa asing.
Anda tidak boleh berdengki,memusuhi atau menghalang kemajuan bangsa lain kerana mereka berhak di atas apa yang mereka usahakan. Apa yang perlu kita lakukan adalah bersaing secara positif. Bersungguh-sungguhlah apabila melakukan sesuatu. Berikan komitmen dan disiplin yang bertaraf A+. Isyaallah anda mampu bersaing dengan mereka malahan akan jadi yang terbaik dari mereka. 'BELIEVE .!' Di mana tahap % kepercayaan anda pada diri sendiri.? Anda perlu % kepercayaan yang tinggi apabila berniaga. Dengan adanya kepercayaan yang kuat barulah anda akan YAKIN.
Menjadi perancang kewangan( financial planner ) di era millinium ini adalah kerjaya dan perniagaan yang sangat berpontensi besar utuk memiliki pendapatan yang lumayan. Perniagaan ini hanya memerlukan ilmu kewangan( financial knowledge ) yang baik dan mantap. Anda boleh memiliki pendapatan 5 angka dalam tempoh 3 tahun. Apa pun perniagaan semestinya memerlukan komitmen yang tinggi dan sistem kerja yang bermutu. Jika anda tidak boleh berdisiplin dan memberi komitmen sebenarnya anda tidak layak untuk apa-apa pun perniagaan. Sebenarnya itulah sebesar-besar sikap yang merugikan anda. Sebaliknya jika disiplin dan komitmen boleh anda beri dengan baik anda adalah peniaga yang berjaya.
BATTLE ARE WON BY THOSE WHO BELIEVE IN WINNING..!
Inilah di antara permainan minda yang selalu memerangkap kita jika kita tidak bertekad bersungguh-sungguh untuk melakukan perubahan itu. 'Love to change'. Kita mesti cinta pada perubahan yang positif kerana dengan perubahanlah kita akan semakin matang dalam kehidupan. Jangan biarkan ketakutan menjadi hakim kepada masa hadapan anda. Anda perlu berani kerana hanya keberanian yang akan memberi anda kekuatan.
Tiba masanya kita anak-anak melayu perlu berani menceburi bidang perniagaan secara serius dan profesional jika kita tidak mahu ketinggalan di dalam segi kewangan maupun pemilikkan ekuiti di tanah keramat ini. Jangan leka dengan sekeliling yang sentiasa membutakan pandangan kita tentang masa hadapan. Keselesaan sentiasa menghalang ke arah kejayaan. Oleh itu kita tidak boleh selesa. Kekeliruan penafsiran 'keselesaan' akhirnya akan meninggalkan kita jauh di belakang dari segi ekonomi berbanding bangsa asing.
Anda tidak boleh berdengki,memusuhi atau menghalang kemajuan bangsa lain kerana mereka berhak di atas apa yang mereka usahakan. Apa yang perlu kita lakukan adalah bersaing secara positif. Bersungguh-sungguhlah apabila melakukan sesuatu. Berikan komitmen dan disiplin yang bertaraf A+. Isyaallah anda mampu bersaing dengan mereka malahan akan jadi yang terbaik dari mereka. 'BELIEVE .!' Di mana tahap % kepercayaan anda pada diri sendiri.? Anda perlu % kepercayaan yang tinggi apabila berniaga. Dengan adanya kepercayaan yang kuat barulah anda akan YAKIN.
Menjadi perancang kewangan( financial planner ) di era millinium ini adalah kerjaya dan perniagaan yang sangat berpontensi besar utuk memiliki pendapatan yang lumayan. Perniagaan ini hanya memerlukan ilmu kewangan( financial knowledge ) yang baik dan mantap. Anda boleh memiliki pendapatan 5 angka dalam tempoh 3 tahun. Apa pun perniagaan semestinya memerlukan komitmen yang tinggi dan sistem kerja yang bermutu. Jika anda tidak boleh berdisiplin dan memberi komitmen sebenarnya anda tidak layak untuk apa-apa pun perniagaan. Sebenarnya itulah sebesar-besar sikap yang merugikan anda. Sebaliknya jika disiplin dan komitmen boleh anda beri dengan baik anda adalah peniaga yang berjaya.
BATTLE ARE WON BY THOSE WHO BELIEVE IN WINNING..!
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