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Inflation - The Silent Theif

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"Secret Notes" to share with my dear follower

90 billion

Belong to bill gates.  He never work for money, he worked doing what he like and the money automatically comes

20-30s no holidays. He enjoys what he is doing.

He is working for interest.

If u want to become rich u cant work , only become average, u have to enjoy what you are doing, you become rich.

Earned by one man who never worked he enjoy doing what he love to do ...computer software.

We ca learn..people work whole their life but nver reach, coz they just follow the system, ending up u become average. They dont have excitement of what their doing, if they can escape,

You have to look at your work differently from now, work:

WHAT DOES IT MEAN TO YOU?

Are u working because u need money or u enjoy the work?

People dont understand comes from family bcoz parent

Even if u come from that family, u can still change today.

We all can make our own decision, U have the power to make a decision!

This is why many people life do not change bcoz they do not want to make decision, biasanya dlm kehidupan kita org lain buat decision.

Thats why 98% becomes average. Bahaya bcoz the poor will get poor and the rich getting richer.

Sometimes we have to increase liability to increase assets.

Robert owned property he never use his own money.

Bank looking people who lend the money, they will lend u somemore.

Thats why he can buy 2000 properties...who pays? People who pay the rent.

U can buy brand new car and used the car to get more business.

Why are you buying this? Ask this to yourself?

The idea of becoming rich.

1. Security

2.comfort

3. Rich

If u ask the public, do u want to be rich, all said yes? Do u know that most people 98% they. Make security no 1 that why they look for job, sbb tu majoriti tak leh jadi kaya sbb cari security, slowly dari job jadi comfort...beli kereta...rumah...hutang getting higher..higher...but the time they pay all these they dont have money...they tell otherpeople comfortable.. But they actually make people rich..

Sepatutnya rich dulu..then comfort...then baru security..kita belajar di sekolah cari kerja..how do you know u are realling become rich...90% people rich started from sales line, if you remain and becomes good...x cari for stable income..and then you build sales job..the moment you build sales job..u become comfortable...then when business developed you will become secured.

People do not understand, is not about your degree, but about your ,finance...billgates,,dropdown from university...because he knows..

Do u enjoy what are u doing...if public mutual...this is what make me help people dream big, dont take this is as job, it will fail!

I am suceed because i doing what i am dreaming...this is not work for me. Why u are not excited bcoz not doing what is your dream.

Work must connect to your passion!

Are you good in selling? Hoe good are you in selling? You have to become expert in your selling. The only way to be good in your selling...PRACTICE! Practice! Practice!

You sell not because of contest...because u enjoyed! Flow one after another...sales just keep coming...a lot of people when flow start coming, think u are good, we DIVERT...

People will fail because they do not recognize diversion.

When u are not rich yet, you have to keep the momentum!

Many people ask me, why dont drive car?

Unit trust, good car will inspire people...

In my case, my Bentley cannot bring crowd...i must have latest information

A good car is a must in sales, unit trust and insurance

Definition of rich is different from other people.

Subject : why is it so difficult for people to become rich, u must have a system to become rich, u must create system to become rich, they just dreaming to become rich.

YOU AND REALITY

AVERAGE AND RICH

98% people are average and only 2% rich.

Reality is what happening to you right now. The reality is struggling to sell, you like to do 1million, but u are struggling..its not happening..

A lot of people have clash DREAM AND YOUR REALITY

your dream is exciting..but your reality is .?????

The most important thing in your life is what u believe is important, in my reality, i don’t need PhD...I have created my reality... Your reality is truth what is real to you.

This is problem to sales people...i did not have reality to sell very well...in order to be Goodman selling , change my reality,, i am good

When reality changes....your life change!

When u find someone doing suddenly doing very well... Reality change!

What is the definition of rich? Your definition of rich.

Do not allow other people to interfere with

Easily accept criticism...don’t get controlled by other people

Rich , is my income growing ...and growing every year?

Who are your role model?

My dream is to compete with, you want to raise standard...at least reach that

I will take the person in this company as challenged?

When u follow role model.. Cannot follow 100%...who are you competing with?

What are the. Books you are reading,..you life changes when u reality changes...

The more you put yourself down..imagine dream and reality

Where are u come from..does not matter...where u want to go..its a matter...

 U need a booster, for some of you..changing a car is a booster...everybodys booster differs...

Booster...your income will grow higher and higher...

Your reality will control your productivity..

HOW DO YOU MAKE YOUR BELIEF INTO YOUR REALITY!

How do you bring your impian to become reality...you must practice PMA positive mental attitude...98% in the world are not positive bcoz average...blaming...chance of meeting 2% difficult because they are very busy...

Kena jaga sbb kalau x practise PMA you will catch their flu...mentally you will drop..

You become very positive about your dream...your belief...are not just belief,. Dream..only when u are positive your dream can become positive...they only highways to make your dream..think positive, thought positive...talk positive...

HOW?

change your reality....you must live in your dream..when u constantly live in your dream..

The journalist...first movie fail..actor fail....very easy...i create a picture and i live inside the picture...

U got to live in your success picture...u got to create a perfect picture....your body will follow your reality...

It is your right to dream big...

Your health is connected to your dream...your dream you have to be superfit...its not your age...but your energy level...excitement in your life give you the energy?yes...

Reality and your dream must become ONE !

People wins jackpot...within 7years...they broke again, in their mind never saw themselves as rich...spending their money...in reality..

You become exactly what your reality says so...so sad if reality so low...

Nobody has the right to condemn you...except god...dont ever accept criticism or condemned u...except GOD..

Dont make anybody else more important than god...

Dont make anything important than your god...

I became rich at the age of 25 because i believe there is a god...u arw poor if you dont believe in god.

You cannot change your outside world until you change inside world.

SELF CONFIDENCE

it comes from inside.

Self confidence comes from your reality..your confidence comes from healthy reality..

Its your confidence really sells,..they dont want to ask...many people lacks of confidence...

This is your life,,,its up to you to make this life intersting,,,how do you do that..make calls..go out there and make things happening...

Zarif dan J-CHI (JUST-Caliph-HC-IWGoC) berkongsi kepakaran dan pengetahuan mengenai jualan pelaburan unit amanah, tetapi pengetahuan ini tanpa tindakan adalah seperti anda membeli ais krim dan tinggalkan ia begitu sahaja tanpa memakannya. Oleh itu, ia akan menjadi cair dan cair dan cair. Dan akhirnya habis. Ambil tindakan sekarang! Hubungi Zarif 019-3405447 atau jika ingin sertai seminar PERCUMA kami di Public Mutual Cheras di Level 2, Cheras Commercial Centre bersebelahan dengan Hotel Caliber dan Restoran Janbo

 ...

Jangan buang masa hidup dalam kehidupan orang lain!

Kehidupan anda adalah sangat terhad, jadi tidak, membazir hidup sebagai seseorang yang lain. Stay hungry and stay foolish. Dream, discover dan masanya dah tiba untuk mengejar keghairahan anda.

Bila anda bangun pagi Isnin, dan anda berasa malas untuk pergi ke tempat kerja. Kemudian kita masing-masing sudah tahu, bahawa hakikatnya kita tidak suka kepada apa yang anda lakukan. Jika anda terus melakukannya sehingga umur 55 tahun, anda sebenarnya hidup sebagai seseorang yang lain.

Jika anda bangun pagi Isnin dan anda merasa stress tentang kesesakan lalulintas, saya tahu anda membenci jem. Sebenarnya anda hidup sebagai seseorang yang lain. Oleh itu, anda perlu mencari cara-cara untuk mengelakkannya.

Jika anda bangun pagi, anda tergesa-gesa untuk pergi ke masjid dan cepat kembali rumah untuk menghantar anak-anak ke sekolah dan terus cabut ke pejabat anda. Tetapi anda tidak sukakannya. Sebenarnya anda tahu anda hidup sebagai seseorang yang lain. Anda terfikir dan rasa mesti ada sesuatu yang lain yang boleh anda lakukan untuk memperbaiki kehidupan ini.

Adakah anda terfikir anda boleh merubahnya? Ya, anda pasti boleh.

Adakah anda berfikir anda boleh berbuat apa-apa supaya anda dapat memperbaiki kehidupan anda dan kehidupan keluarga anda? Ya, anda pasti boleh.

Adakah anda berfikir anda boleh membina laluan anda sendiri untuk mendapatkan limpah kurnia dari Allah? Ya, anda pasti boleh.

Dan sepekara lagi,

Untuk melihat bagaimana kita boleh membantu mengubah apa yang anda tidak suka dan lakukan apa yang anda suka SEKARANG! Klik Sini

Sejarah tercipta lagi - what's next?

Rich people dont save time, but they buy time.

Rich people value their time

If u want to be rich, then value your time, not flexible your time..

They dont mind spending their money, but not with time

U lose money u can earn back, but not money..

Poor people dont understand only one life,,,when you are 30 you cannot get 20.   U cannot go back,,time is precious..,look at your life, wallet, will tell u how u misused you time..

Quality of life is reflection how u use time in the past, if u use correctly..

Beza beggar and millionaire, the way they use the time, productively, spend hours doing nothing productive, then they wonder why they are poor bcoz managed time effectively.

How do you use your time?

The more u correct yourself...

Emotionally skills

1. Security

2. Comfort

3. Rich

Why people cannot bcoz mind has been set

In order for u to get sales, u want sales everyday, u can, u feeling must be very good.

If your feeling not very good

Top sales people, emotion are healthy, positive and very happy.

When u dont have that kind of feeling,

U must feel good about yourself,

Mcmana nak feel good kalau tak ada money...putting condition, if i have money i will feel good.

Two way of looking at it, when u dont feel good coz u dont have money, like Chinese, they work coz they dont like feeling dont have money, if u dont have money and later u condemned yourself, a lot of people goes into that category.

Insurance giving money, and most of time is failure, why is it failed! Person who get salary, their attitude towards work, they your sikap

People become rich coz they become more responsible. To become rich not qualification, but responsibility. For example, credit card, how many people are ready accept.

Success adalah RESPONSIBILITY.

Why Chinese so hardworking, coz their history, survivor...if dont work hard, they will die. Chinese in china slow? Communism. First think they ask...they only interested in break, coz communism.

Happiness, everyone want happiness, some money, some sex,  if u dont manage your emotion, no doubt how much money

The definition of happiness, lain dari seorang kepada org lain, i cannot decide for you.

What is my happiness? If u dont know your happiness for u, then only you can work for you..what motivates u..

Why German car in still in market, coz they never play with quality.

How important is quality for you...future..

Are you an agent of quality?

Can your customer tell you...

If u want to do well, want bring people, must feel good about yourself, product, business..

One best thing in unit trust, people dream comes true in long term, instead of putting. Money in stock market, risk factor is lower.

Lot of people s dream sending son, to overseas can become

U are not selling ut, but making people  dream comes true.

If you have dream, how to make money?

Do you have dream? Those earning salary, cannot send their kids to best university. We are not level yet compare to top university, if u are not businessman, u have to take loan,

U are sales if u are selling , i believe i am helping ,my customer to get what they want.

Why so many people cannot sell, because people will reject

If you show you helping them to get dream comes true...

Which salesman u like?

U must help your customer to buy...

Help people to become millionaire...

Workout a scheme, invest so much and u will become a millionaire.

Selling skills, makes people interested to buy, connect your product with people dream.

The more richer,more,dream, your job to make realize the dream.

U must qualify your prospect...

Finding prospect is a skills...

Goodman selling ASK... Dare to ask...kalau u takut nak tanya u will not get the business.

Dare task, is a skills that comes practice.

If u practice dare to ask for 10 peoples, 10 days ask 100

Difficulty...people think rejection than accept...always think about negative...

U dont enjoy bcoz u scared rejection, coz u have been brainwash!!!

LIMITATION

Is actually belief of others, limited belief of others passed to you. They frightened u, en you wont do la...how many people living like that? If you like something, u can afford, reason cannot afford, coz accepted other people opinion.

Worst word in family.... Cannot afford...if you want something,,,you can afford it...

Do it all out...dont give excuse..if u dont change friend around u, u got serious problem...friends will not be so important to make dream comes true.

Friends, if u can entertain them...will get friend...

What kind of friends you are having...spend money on them?

We think friend so important, but no use to us to make dreams come true.

We always want friends, people around, danger surround with wrong people.

Improve quality of friends are mixing...who are u mixing with? What kind of friends u spending time with?

A man without goal..time is meaningless

When u dont have a goal time management is meaningless

U dont have time management if u dont have a goal

Reason why we different from animal..coz we have goal.  Most animal just exist, when human dont have goal so they become like animal, so tht why people are poor, suddenly feel,tanggungjawab org lain utk buat dia better. Then story gone,,,u said to your brain, shut down.. perlu fikir lgi, sbb tu million of people are poor.

Salary earner cannot push themselves, boss will check, buat entrepreneur

We have to come out from dependency mentality...will become poor. When u dare to stand own your own,

Record women divorce, do better no longer dependency to husband.

U have the ability...

In the 21 century, when u have money...

Dont make your husband on your happiness

You is your happiness....

Happiness is about you...very important to take care of your happiness

Everybody has the right to be happy.

Mistake people make about happiness, depend on others to make them happy, happy is about you and your dream.

U only happy when u making progress towards goal in your life the result is very happy.

 As long as u keep progressing...you keep running, in the process u excited...the process of progress

This process of progress make u happy.

To become rich, u must prepare to change your culture!

U want become rich, very careful how do u spend your time...rich people value yourtime.

Poor people do not. See wasting time

Rich people spend time productively?

98% of people will. Become poor after 55, stop salary, maintenance higher, older means poorer.

The older i grow the richer  i become...

The older i grow the healthier i become...

Grow older..happier...

I already plan...

Million of people does not have this plan...people already accepted..

If you dont work....then will become

What u choose to belief will become reality...

Flowchart on how to become agent

Commission Structure of Agents

Zarif dan J-CHI (JUST-Caliph-HC-IWGoC) berkongsi kepakaran dan pengetahuan mengenai jualan pelaburan unit amanah, menjalankan latihan mingguan, mesyuarat dan seminar untuk agensi unit amanah beliau di Cheras Public Mutual, Kuala Lumpur, Malaysia. Beliau menjemput semua graduan muda dan tua untuk menyertai pasukan JCHI untuk membantu Malaysia untuk melabur dalam dana Unit Amanah Islamik SAHAJA.. Ambil tindakan sekarang! Hubungi Zarif 019-3405447 atau jika ingin sertai seminar PERCUMA kami setiap SABTU jam 11am di Public Mutual Cheras di Level 2, Cheras Commercial Centre bersebelahan dengan Hotel Caliber dan Restoran Janbo

Kesan Penangguhan (Cost of Procrastination) dalam konteks pelaburan unit amanah

Apabila you'ol terlibat dalam pelaburan, masa dan wang adalah aset you'ol. Kedua-dua aset memainkan peranan yang penting dalam menentukan pulangan mutlak you'ol . Ramai orang suka mengira-gira timing pasaran dan kebanyakan mereka gagal untuk memasukkan pada masa yang tepat. you'ol harus faham okeh! masa dan jumlah wang yang diperlukan adalah berkadar songsang (time values money).

Maksudnya kat disini, jika you'ol ingin mempunyai RM 1 juta pada umur 55 tahun dan ingin melabur sejumlah wang. Lebih awal you'ol mulakan untuk melabur, maka hanya jumlah yang sedikit diperlukan. Namun begitu, sekiranya lebih lewat you'ol mulakan pelaburan maka lebih tinggi jumlah pelaburan yang diperlukan bagi mencapai amaun yang disasarkan.

Oleh itu, adalah penting bagi pelabur yang mahu mengumpul kekayaan untuk memulakan pelaburan seawal mungkin. you'ol memang tak boleh melihat perbezaan yang besar dalam tempoh terdekat tetapi disebabkan oleh kesan kompaun (compounding) dalam tempoh jangka panjang, kadar pulangan membentuk perbezaan yang besar.

Mungkin you'ol mencari masa yang sesuai untuk memulakan pelaburan atau nak jadi agen. Satu-satunya masa yang sesuai "untuk memulakan pelaburan HARI INI. Menangguhkan pelaburan dengan pelbagai alasan hanya akan meningkatkan kos pada jangka masa panjang.

Nota ; Mohd Zarif sentiasa membuka ruang bagi sesiapa sahaja yang ingin keluar dari kepompong kehidupannya kini dan terbang bebas dalam mengejar kekayaan, mengejar impian dan mengejar cita-cita. KLIK SINI

Retirement

Jangan buang masa hidup dalam kehidupan orang lain!

Kehidupan anda adalah sangat terhad, jadi tidak, membazir hidup sebagai seseorang yang lain. Stay hungry and stay foolish. Dream, discover dan masanya dah tiba untuk mengejar keghairahan anda.

Bila anda bangun pagi Isnin, dan anda berasa malas untuk pergi ke tempat kerja. Kemudian kita masing-masing sudah tahu, bahawa hakikatnya kita tidak suka kepada apa yang anda lakukan. Jika anda terus melakukannya sehingga umur 55 tahun, anda sebenarnya hidup sebagai seseorang yang lain.

Jika anda bangun pagi Isnin dan anda merasa stress tentang kesesakan lalulintas, saya tahu anda membenci jem. Sebenarnya anda hidup sebagai seseorang yang lain. Oleh itu, anda perlu mencari cara-cara untuk mengelakkannya.

Jika anda bangun pagi, anda tergesa-gesa untuk pergi ke masjid dan cepat kembali rumah untuk menghantar anak-anak ke sekolah dan terus cabut ke pejabat anda. Tetapi anda tidak sukakannya. Sebenarnya anda tahu anda hidup sebagai seseorang yang lain. Anda terfikir dan rasa mesti ada sesuatu yang lain yang boleh anda lakukan untuk memperbaiki kehidupan ini.

Adakah anda terfikir anda boleh merubahnya? Ya, anda pasti boleh.

Adakah anda berfikir anda boleh berbuat apa-apa supaya anda dapat memperbaiki kehidupan anda dan kehidupan keluarga anda? Ya, anda pasti boleh.

Adakah anda berfikir anda boleh membina laluan anda sendiri untuk mendapatkan limpah kurnia dari Allah? Ya, anda pasti boleh.

Dan sepekara lagi,

Untuk melihat bagaimana kita boleh membantu mengubah apa yang anda tidak suka dan lakukan apa yang anda suka SEKARANG! Klik Sini

Testimoni Pulangan Pelaburan & Cara untuk membaca summary report CAMS

Assalamualaikum dan Salam Ceria,

Pernah tak saudara-saudari bertanya pada diri sendiri, "bila sebenarnya saya nak mula rancang kewangan saya?"

Adakah jawapan ini?

“malaslah…”, “nantilah…”, “banyak lagi nak guna untuk duit ni…”, ataupun “duit tak cukup lagi macam mana nak menyimpan..”,

Saudara-saudari, percayalah, sampai bila-bila pun kita tak akan rancang kewangan kita kalau ada alasan sebegitu.

Setiap hari kita guna wang. Tapi adakah setiap hari kita rancang setiap barang yang kita nak beli tu? Atau main beli je?

Adakah saudara-saudari susun perbelanjaan anda mengikut keperluan? Sekiranya tidak atau belum lagi berbuat demikian, kini tiba masanya untuk saudara-saudari belajar merancang kewangan dan uruskannya dengan bijak.

Kenapa perlu merancang kewangan? saya akan cerita dua sebab utama.

(1) Untuk melawan kadar INFLASI.

Sedar atau tidak bahawa kadar inflasi pada masa sekarang jauh lebih tinggi berbanding 10 tahun dahulu. Kalau kita tengok 10 tahun dulu kadar inflasi 0%.

Tetapi sekarang meningkat kepada 3% hingga ke 3.5%. Ini menunjukkan sebagai pengguna, kita semakin rugi kerana kita semakin hilang kuasa membeli kita berbanding 10 tahun dahulu.

Cuba fikir balik, pada zaman 1970-an, RM1.00 kita mampu beli 4 cawan kopi. Lihat pula sekarang, RM1.00 kita mampu beli separuh cawan saja kopi tadi.

Sedangkan pakar ekonomi bimbang dengan kadar inflasi ni, takkan kita tak bimbang?

2) Untuk pastikan pendapatan yang cukup semasa kita perlukannya.

Saudara-saudari perlu rancang kewangan bukan setakat untuk bulan-bulan terdekat sahaja. Tetapi untuk jangka masa 3, 5, atau 10 tahun akan datang.

Contoh mudah, ibu bapa yang mempunyai anak-anak yang akan melanjutkan pelajaran mereka ke tahap yang lebih tinggi akan memerlukan perbelanjaan yang lebih tinggi.

Takkan kita nak harap anak-anak kita buat pinjaman (loan) semata-mata. Kita sebagai ibu bapa kena fikir untuk kurangkan bebanan hutang tersebut.

Ok, setakat ini dulu kali ini. Dalam post yang seterusnya, saya akan kongsikan dua lagi sebab kenapa saudara-saudari perlu merancang kewangan.

Saya harap saudara-saudari telah membuat perancangan kewangan yang rapi samada dengan melaburkan simpanan KWSP/ EPF atau cash ke mana-mana dana yang member pulangan yang tinggi daripada simpanan tetap biasa.

Dalam video dibawah saya sertakan testimoni daripada database client saya yang telah invest sejak 1998 dan cara nak baca summary report, kalau anda tengok client ni labur dalam P Ittikal dan lebih kurang 40K dan selepas 13 tahun mendapat pulangan sebanyak 175% bersamaan

Market watch

Malaysia's CPI inflation slowed to 3% YoY in December from 3.3% YoY in November. Irvin Seah, Economist at DBS Bank in Singapore talked about...

- inflation, likely average 2.6% for 2012, from 3.2% in 2011

- slow growth momentum for Malaysia, expects full year growth to come in below 5%

- Ringgit weakness more likely

- Bank Negara's policy rate, room for BNM to cut OPR by 50 basis points in 1H2012.

for more info please listen here http://bit.ly/yEN4TN

market up or market down?bila bagus nak invest?

Chinese new year dah dekat, election pula dah ada ura-ura nak berlangsung bulan 3 atau bulan 4. camne ek? nak repurchase ke atau nak switch? ini dialog biasa kita dengan samada dari mulut rakan pelabur atau rakan perunding unit trust

terus terang..i believe tak perlu bimbang tuan-tuan, di atas ni saya sertakan satu contoh client yang baru invest 5 tahun dalam PIEF dan beliau cuma invest 2 kali je. pastu biar. tiap2 tahun dapat dividen. result ni saya amik masa market tengah terumbang ambing sekitar bulan november selepas krisis hutang eropah yang semakin meruncing. namun waktu market down kalau anda lihat harga belian lebih tinggi dari harga terkini - dari segi logik pelabur ni rugi. tapi mcm kita selalu ingatkan para pelabur unit trust ni medium to long term. so selepas 2 kali pengeluaran dan 5 tahun total return 51.19% bersamaan lebih kurang 10% setiap tahun! itu nampaknya lebih dua kali ganda daripada return EPF kan? so selepas melihat ni anda boleh buat keputusan - samada nak biarkan duit EPF tu terus dalam EPF atau anda harus laburkan semaksimum mungkin. Saya besedia bersemuka dengan anda untuk berdiskusi peluang anda memaksimumkan dana persaraaan anda sila pukul talipon 019-340 5447.

Analysts expect the market to be trading around 1,420 to 1,450

KUALA LUMPUR: The stock market may be on a downtrend this week as investors lock up gains they made over the recent weeks as well as continuous fears on the US and Europe economies.

Although analysts believe there may be some key announcements that may push the market upwards this week, the overall sentiment is expected to remain bearish over the short-term.

"Overall, we are expecting the market to be poor over the near term. The fundamentals have not changed. US is still expected to register a slow growth, and crisis in eurozone is expected to continue," said Chris Eng, head of research at OSK Research Sdn Bhd.

Analysts expect the market to be trading around 1,420 to 1,450 this week. News flow from the US, eurozone, as well as China is expected to be the main market drivers this week.

Investors will be looking closely at what the eurozone will be doing to tackle the deepening sovereign debt crisis in Europe, a decisive plan to address the issue is expected to be unveiled at the G-20 meeting on October 23.

According to news reports, the plan taking shape among eurozone countries to address the crisis is built on three central elements: a new bailout for Greece; an effort to shore up the banks affected by Greek losses and potential future losses from other troubled eurozone countries; and additional firepower for the European Financial Stability Facility, the bloc's bailout fund to provide a reassuring backstop.

The benchmark FTSE Bursa Malaysia Kuala Lumpur Composite Index (FBMKLCI) fell by 0.17 per cent or 2.44 points to 1,442.43 on Friday. For the week, it gained 3 per cent, or 42.38 points.

The market, which hit its peak at 1,594.74 points early July, fell to as low as 1,331.80 points late September. Year-to-date, the benchmark index fell by 5.04 per cent.

This week, banking stocks are expected to be on investors' radar, especially RHB Capital Bhd and OSK Investment Bank Bhd, which received green light to start talks of a possible merger.

Malaysian Resources Corp Bhd, having clinched a RM46.5 million deal to undertake the remaining 200m construction of a drainage system in Kuala Sungai Pahang, is also likely be on the watch list.

OPEN your mind and THINK

Unit Trust Consultant vs Makan Gaji

Thousands of young graduates hit the street to find the job. Starting salaries from RM1500 to RM4000 or even more. When they get tired to find the job, some of them said it is enough just to get the personal assistant salary of RM1000 per month.

So, can you imagine after 5 to 6 years studying to get a bachelor degree and suddenly there is no job suitable and available, the young graduates can opt to be a Personal Assistant, a clerk, a cashier, admin staff, temporary teacher etc. Do they do it because of they love the job or because they just want to earn the money.

Where is their skills that they learn in university or college on how to survive during tough time, at last minutes. They can complete their assignment on last minute. How cannot they sit down and think about their future for another 3 to 5 years after getting their degree.

So lets open your mind and think …

	Unit Trust Consultant	Makan Gaji at Corporate World
Qualification	SPM je	Degree ma…
First Year Income	Kalau rajin RM10,000 per month. Kalau malas RM0 la.	RM1,500 to RM4,000. Kalau malas kena terminate bro.
After 3 Years Income	RM20,000 kalau ikut cakap leaders la. Kalau tak ikut, lingkup	RM3,000 to RM6,000. Kalau tak ikut cakap boss. You are FIRED. Pastu kena cari kerja lain
Tahap Sibuk Masa	Mula2 kena disiplin la. Pastu baru ada time freedom	Disiplin dari mula kerja sampai pencen bro. Kalau tak, tak berkat masa dan rezeki kita.
Boleh Cuti Panjang	boleh	Boleh kalau nak cuti terus dari syarikat tu
Free Vacation Overseas	insyaAllah. Boleh pergi London, Paris, Mekah dsb	free vacation tak de masa I kerja dulu, Tapi pergi overseas sambil training n meeting ada la.

Imagine that you want job security, imagine that you want time freedom, you want a handsome income, free vacation. After 3 years you can become a Group Agency Manager. In the corporate world, it is close to NONE for you to become a General Manager after 3 years.

Imagine you nak cuti pergi London. Boleh tak you pergi bercuti dalam tahun pertama you kerja dengan syarikat u tu, mereka bayarkan tambang, makan dan minum you. Hotel lagi. So tak lain dan tak bukan, jawapannya ada dalam menjadi unit trust consultant Public Mutual.

Lebih lanjut?pukul telefon 019 340 5447 Zarif

DISKAUN! DISKAUN! DISKAUN!

Mempersembahkan dana-dana kegemaran saya PISSF, PISTF, PISEF dan PIDF - dana semua dana ini sedang bagi the lowest price - DISKAUN! jadi apa perlu anda buat? mudah sahaja - tambahkan lagi pegangan unit. bagi pelabur EPF buat pengeluaran baru manakala bagi pelabur tunai - anda patut amnbil peluang ini untuk memulakan 'standing instruction' atau 'ringgit cost averaging' peluang paling terbaik sedang didepan mata sekarang - gunakan peluang ini atau ia akan terbang jauh. Kesemua dana-dana ini pernah mencapai paras sokongan terbaik - dan ianya punya potensi untuk bergerak kembali pada paras sokongan dana berita baik lagi PISSF akan bagi dividen pada bulan Disember - jadi apa lagi? pukul telefon 019-340 5447 Zarif

Market Intelligence

Setakat 9 September (thanks to kak Jas for the info and the graph) DJIA, S&P 500 dan Hang Seng telah membentuk perubahan dengan trend menaik. namun KLCI masih belum recover langsung. Fenomena raya? mungkin juga - kebanyakan kita beraya sampai sebulan! adakalanya open house sampai terlajak ke bulan Zulkaedah. Apapun saya berusaha keras mengalakkan para pelabur menambah pegangan unit ketika ini - waktu harga paling terendah untuk 'rebalancing'. the price is on discount now!

Nota : KLCI adalah benchmark bagi kebanyakan dana-dana unit amanah dalam negara, justeru Mohd Zarif berusaha sebaik mungkin pada peluang harga terendah ini untuk buat 'rebalancing' agar kos purata per unit setiap rakan pelabur pada harga minimum. Perbincangan amat dialu-alukan, pukul telefon 019-3405447

Market Intelligence

Setakat 9 September (thanks to kak Jas for the info and the graph) DJIA, S&P 500 dan Hang Seng telah membentuk perubahan dengan trend menaik. namun KLCI masih belum recover langsung. Fenomena raya? mungkin juga - kebanyakan kita beraya sampai sebulan! adakalanya open house sampai terlajak ke bulan Zulkaedah. Apapun saya berusaha keras mengalakkan para pelabur menambah pegangan unit ketika ini - waktu harga paling terendah untuk 'rebalancing'. the price is on discount now!

Nota : KLCI adalah benchmark bagi kebanyakan dana-dana unit amanah dalam negara, justeru Mohd Zarif berusaha sebaik mungkin pada peluang harga terendah ini untuk buat 'rebalancing' agar kos purata per unit setiap rakan pelabur pada harga minimum. Perbincangan amat dialu-alukan, pukul telefon 019-3405447

Panik? Switch? Repurchase?

Situasi ekonomi semakin mengelisahkan rakan pelabur - KLCI masih belum kelihatan seperti mahu melonjak naik setelah isu penurunan rating hutang USA oleh S7P. adakah ini panik? apa patut anda buat? repurchase? switch? k emana? money market? bond?

tenang tuan-tuan,

rujuk rajah yang saya post diatas, ya benar, memang KLCI merundum sejak julai 2011 dan nampak gaya macam akan merundum terus seperti 2008. tapi tunggu, jangan panik dulu - take a look at the big picture - mari lihat growth KLCI dari 1993 - ekonomi sebenarnya semakin baik bahkan dari 2009 growth KLCI meningkat - cuma mungkin sedikit perlahan iaitu 4.03%

apa tindakan sekarang?

saya mencadangkan anda supaya membuat Rebalancing sekerap dan secepat mungkin bagi membentuk pulangan positif pada pelaburan anda, penambahan pegangan unit sekarang dilihat sebagai mengambil peluang keemasan agar anda memiliki kos purata unit yang lebih rendah

Nota ; Mohd Zarif mengalu-alukan 'table talk' antara beliau dan rakan pelabur juga rakan consultant, ini bagi menambahbaik servis beliau dalam industri ini. Beliau percaya rakan pelabur berhak memahami situasi terkini dan mengambil peluang pada setiap situasi agar mendapat pulangan pelaburan yang lebih dari 3% atau 8% dan secara islamik. Sila pukul telefon 019 340 5447

KLCI : summary and take a look for a big picture

Nota : Memantau perkembangan semasa indeks boleh membantu seorang consultant unit trust mengambil sebarang keputusan perlu untuk memaksimumkan pelaburan unit trust dalam dana syariah unit amanah. Kaedah ini lebih kepada keputusan jangka pendek dalam mengambil peluang menggandakan pulangan pelaburan unit amanah melalui simpanan KWSP daripada akaun 1. Hubungi Zarif 019 3405447

The Recovering ; Stocks Soar Most in Two Years, S&P 500 Up 4.8%

U.S. stocks jumped the most in more than two years, rebounding from the worst drop since 2008, and 10-year Treasury yields touched a record low as the Federal Reserve vowed to keep interest rates near zero through mid-2013. The dollar weakened and the Swiss franc rose the most since at least 1971.

The Standard & Poor’s 500 Index jumped 4.7 percent to 1,172.53 at 4 p.m. in New York, its biggest gain since March 2009, after tumbling 6.7 percent yesterday. The 10-year Treasury yield fell as much as 28 basis points to 2.03 percent before trimming its decline. The Dollar Index slid 1.2 percent, its biggest drop since October, while the Swiss franc strengthened as much as 6.5 percent to a record $1.4099.

In pledging to keep its benchmark rate at an all-time low, the Fed also discussed a range of policy tools to bolster the economy, saying it is prepared to use them “as appropriate.” The statement fueled speculation the central bank may consider a third round of quantitative easing through bond purchases to revive a recovery that’s “considerably slower” than anticipated.

“The Fed is clearly setting up a situation that could offer them the potential to do something significant, if necessary,” Bruce McCain, who helps oversee $22 billion as chief investment strategist at the private-banking unit of KeyCorp in Cleveland, said in a telephone interview. “That could be viewed as a positive,” he said. “People are starting to realize that what we’ve had in the market was an overreaction.”

Rebound After Rout

U.S. stocks rebounded from a rout that wiped out $1 trillion yesterday in the first trading session after the government was stripped of its AAA rating at S&P. The S&P 500 sank 11 percent in the previous three days and started today trading at 12.3 times reported earnings, compared with its average of 16.4 since 1954, according to data compiled by Bloomberg.

The MSCI All-Country World Index rose 2.1 percent for its biggest gain of the year, rebounding from a drop of as much as 2 percent earlier today that threatened to extend declines from this year’s high in May to 20 percent or the threshold for a bear market. The index started the U.S. session valued at about 12.1 times profits, down from 21 in 1995..The MSCI Emerging Markets Index pared today’s drop to 2.2 percent after tumbling as much as 4.4 percent.
Dow Rallies

The Dow Jones Industrial Average rallied 429.92 points, or 4 percent, to 11,239.77 for the biggest percentage gain since the month the bull market began in March 2009. The Dow’s advance today was the 10th largest point-gain in the history of the index, according to Bespoke Investment Group LLC. All 30 stocks gained at least 0.8 percent.

Laszlo Birinyi, one of the first investors to recommend buying when the bull market began in 2009, said the Standard & Poor’s 500 Index will continue its ascent, though possibly not to the level he had predicted.

“The bull market is intact, and while our ‘target’ of 1,450 in mid-2012 is admittedly a bit shaky, our more important conclusion that a rational, disciplined portfolio can attain a 10 percent plus return in 2011 is not,” Birinyi, of Westport, Connecticut-based research firm Birinyi Associates Inc., wrote in a note today.

Financial Shares

Financial shares in the S&P 500 led today’s advance, surging more than 8.2 percent as a group for the biggest rally since May 2009 and recovering from yesterday’s two-year low. Bank of America Corp. surged 17 percent and Hartford Financial Services Group Inc. climbed 16 percent to lead gains among 80 of 81 banks, insurers and investment firms in the index.

The Fed’s statement represents the biggest effort since November to spark the U.S. economy and revive confidence while stopping short of initiating a third round of large-scale asset purchases. Chairman Ben S. Bernanke and his colleagues acted after reports showed the economy was slowing and an unprecedented downgrade to the U.S. credit rating sent stocks tumbling from Sydney to New York. Three members of the policy committee dissented, preferring to maintain the pledge to keep rates low for an “extended period” without a specific timeframe.

The central bank’s plan to keep the federal funds rate in its range of zero to 0.25 percent for two more years is a “major policy change,” according to Augustine Faucher, director of macroeconomics at Moody’s Analytics in West Chester, Pa.

Fed ‘Is Concerned’

“By providing a more explicit time line for raising rates, the Fed is telling markets it is concerned about recent economic weakness and the potential for a near-term contraction, and is dedicated to spurring stronger economic growth, Faucher wrote in a note.

MEMC Electronic Materials Inc. climbed 19 percent for the biggest increase in the S&P 500. Four executives, including Chief Executive Officer Ahmad Chatila, bought a combined 87,500 shares of the second-largest U.S. manufacturer of polysilicon on Aug. 5, according to regulatory filings.

Treasury note and bond yields plunged after the Fed’s statement was issued at 2:18 p.m. New York time, before paring the declines later in the afternoon.

Two-year Treasury yields also touched a record low, dropping as much as 10 basis points to 0.16 percent before trading at 0.20 percent. Thirty-year rates were little changed at 3.65 percent. The Treasury’s sale of $32 billion in three- year notes drew stronger-than-average demand in the first note sale since the U.S. debt rating was cut.

Moody’s, Fitch

Moody’s Investors Service reiterated yesterday that it affirmed the U.S. government’s top Aaa ranking because the dollar’s status as the main reserve currency allows it to support higher debt levels than other countries. Fitch Ratings affirmed its AAA grade for the U.S. last week. The U.S. AA+ rating at S&P is still higher than Japan or China.

European shares recovered from early losses amid speculation that the Fed would bolster investor confidence. The Stoxx Europe 600 Index snapped a seven-day slump and rebounded from a two-year low, climbing 1.4 percent after plunging 5.1 percent in early trading. Basic-resource stocks rebounded from an 11-day slide, led by gains at Antofagasta Plc. Thomas Cook Group Plc, Europe’s second-largest tour operator, surged 17 percent. RWE AG, Germany’s second-biggest power company, led utilities lower after profit fell.

Italian Bonds

The yield on Italy’s 10-year note fell 11 basis points to 5.18 percent, after dropping 81 basis points yesterday. The extra yield investors demand to hold Italian 10-year securities instead of benchmark German bunds dropped 21 basis points to 281 basis points today, the least since July 22. The European Central Bank bought Italian and Spanish bonds for a second day, people familiar with the transactions said. Spain’s 10-year yield fell eight basis points to 5.08 percent today, extending yesterday’s slide.

Four years after BNP Paribas SA marked the start of a financial crisis by freezing withdrawals from investment funds because it wasn’t able to value subprime mortgage bonds, a reduction of the U.S. debt rating and escalating sovereign woes in Europe show credit markets are still fragile. The Markit iTraxx Crossover Index of credit-default swaps on mostly junk- rated European companies increased for an eighth day, adding 18 basis points to a mid-price of 592 today.

The S&P GSCI index of 24 commodities lost 1 percent. Oil lost 2.5 to $79.30 a barrel, the lowest level since September. Gold futures pared gains after adding as much as 4.1 percent to a record $1,782.50 an ounce.