Sunday, December 11, 2011

Why is it that it’s so hard to talk to most people about Financial Freedom

 dear Friend,


Just Sharing an e-mail content from a web-guru of Internet marketing, i've been following her notes and postings for a couple of months now and i would like to share this with my Network Partners and friends . . . 


Her Messages reads :

One of my top 5 favorite movies of all time is ‘The Shawshank Redemption.’


It probably has one of the highest “replay” values of any movie out there. I can’t think of another film I could watch 10 times and not get tired of.

There’s a scene in the movie where Brooks Hatlen, one of the oldest and longest residents of the prison, is coming up on his parole date.

He attempts to kill another prisoner, a good friend of his, by holding a knife to his throat, until the other inmates talk him out of it.

Why?

In order to extend his sentence to avoid the outside world he is terrified of and to stay inside the prison that he has now grown fond of and calls home.

Once released, he later commits suicide because he finds himself unable to fit into a society that has passed him by.

It’s one of the saddest and most ironic scenes of the movie and of course, we think to ourselves...

That could never happen to me. I would never allow myself to become so institutionalized that I would willingly turn down my own freedom.”


But Are We So Different Than Those
Who Are Trapped In Prisons Of Concrete And Metal?


Have you ever noticed how some people are perfectly content to complain all day about their situation yet when you show them a better way they dismiss it as too good to be true, a scam or some other invented excuse?

Why is it that it’s so hard to talk to most people about things like owning your own business, personal development, or financial freedom?

Where exactly do these constraints within our own minds come from?

Why are so many people content to be stuck in the rut of running on the 9-5 hamster wheel their whole life?

And what exactly IS the hamster wheel anyway? Who created it and why do so many people have a hard time escaping it when the door to their cage is wide open and all they have to do is step through it?

It’s hard for us to fathom but inmates like Brooks Hatlen are very normal in today’s prison system.

They’re so comfortable with the world they’ve become familiar with, that even once they’re out, they’ll do anything just to get back IN.

This is one of the symptoms of what is known as “Post Incarceration Syndrome” (PICS)

Here is a description of some of the symptoms of PICS from a center for rehabilitating former inmates:


“Institutionalized Personality Traits are caused by living in an
oppressive environment that demands:
passive compliance to
the demands of authority figures,
passive acceptance of severely
restricted acts of daily
living, the repression of personal lifestyle
preferences,
the elimination of critical thinking and individual
decision making, and internalized acceptance of severe
restrictions
on the honest self-expression thoughts and
feelings.

Sounds pretty horrible right?


We talk about escaping the “rat race” or the “corporate prison” but would it come as a shock to you if what you just read was literally, no exaggeration, almost word-for-word, the exact stated goals and purposes,
as laid out by its founders,
of the system that many people spend 12 years of their life in - the public education system?

Ridiculous you say?

Is it really when you think about the state of much of society today?

As a leader in the home based business industry, when
you’re trying to free people, when you’re trying to help them break down old habits and mental constraints and
reshape their thought patterns for success, you may be fighting against more than you ever imagined...

To Your Success,


Ann Sieg

P.S. – I truly hope you never allow your wings to be clipped...

FACTS or FAKE ? New, Small or Medium Entrepeneurs Challenges !


HOLA !

Just Sharing a Thoughts by a MENTOR about Challenges that Small or Medium Business Entrepreneurs are facing in the real world and i find it very interesting and Lets Look at The "Points to Ponder"

She wrote :

More often than not, this 'EVERYTHING ALSO -CAN-DO' attitude lands the Entrepreneur in trouble especially in new projects. 
  • Without realistic assessment of his own capabilities in funding, 
  • Without experience and competitive strength, 
He plunges into so called virgin territory that existing competitors dominate.

To be fair, New and Small Entrepreneurs have no access to market info, consumer research, and competitive activities. RELYING on their gut feeling and entrepreneurial spirit, they plunge into new biz with gusto & optimism.

























Unfortunately for every survivor, there are probably five casualties with BATTERED pride, Empty pockets & Hungry families

Economists will tell you that competition breeds efficiency & inefficient players will be eliminated eventually.


















Before u invest into new venture: 
  • Do u consider yourself an efficient competitor? 
  • Do u know who are yr competitors? 
  • What is their competitive edge over U??

Dream big, start small. Avoid going head on with big cash flush competitors.

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Monday, November 14, 2011

paling rendah - dari 4.45% sahaja

TERBAEK !

PALING HEBAT - JUJUR DAN TELUS


















AmIslamic Bank kini menawarkan kadar paling rendah untuk Kakitangan Awam & Badan2 Berkanun Terpilih

Rebutlah peluang ini untuk :

 1. Selesaikan hutang kad2 kredit anda [lihat entry ini- Peraturan baru BNM ]

 2. Selesaikan/kurangkan baki Pinjaman rumah anda [ perlindungan untuk 
     keluarga jika berlaku sesuatu kepada kita sebelum kita "bersedia" ]

 3. Memulakan perniagaan anda sebagai Pengganti punca pendapatan 
     selepas tempoh berkhidmat anda tamat   [ kajian mengesahkan  - wang 
     pencen akan habis dalam tempoh 3 tahun pertama selepas tamat 
     perkhidmatan ]
   
 4. Melabur dalam sebarang bentuk pelaburan jangka pendek [ Emas ]       
     atau jangka Panjang [ Unit Trust atau Saham Amanah ]

 5. Membeli baru atau membaiki keperluan Sedia Ada bagi menjamin 
     kehidupan lebih selesa

 6. Mengambil kesempatan untuk mengurangkan pembayaran pinjaman 
     sedia ada dengan tempoh sama atau lebih pendek [ dengan perbezaan 
    Interest dari Pinjaman sedia ada ]

 7. Mengelak dari terus membayar pinjaman yg banyak kos2 terselindung   [ 
     cth : payout 100% - tapi tiada rebate bila nak Overlap nanti / caj2 
     keahlian koperasi yg dibayar melalui potongan gaji setiap bulan]  

 8. Membantu meringan kan beban kawan2 atau saudara2 anda melalui 
     Bantuan Tunai atau membantu mereka membuat Pinjaman serupa untuk 
     mendapat faedah yg sama [ niat Ikhlas dan Baik akan mendapat 
      ganjaran Baik juga - InsyaAllah ! ]

Ambil lah kesempatan ini SEKARANG  kerana kadar keuntungan ini adalah TERHAD untuk tempoh yg singkat sempena hujung tahun ini sahaja.

Silalah komen di sini dan tinggalkan nombor telefon / email add utk appointment.

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Monday, November 7, 2011

Peraturan Baru Bank Negara Malaysia untuk Pemegang Kad Kredit di Malaysia

Tahukah Anda ?



















Bank Negara Malaysia telah mengeluarkan peraturan baru bagi Pemegang2 kad kredit di Malaysia. 

Khasnya, Peraturan baru ini lebih kepada pemegang kad berpendapatan kurang dari RM 36,000.00 setahun.

Dengan polisi Kredit baru ini, Bank Negara akan dapat mengurangkan risiko Inflasi dalam negara dan mengurangkan jumlah / kadar kebankrapan di kalangan Individu

Secara kasarnya - peraturan ini menekan kan:

1.pendapatan minimum untuk memohon kad kredit adalah RM24,000/setahun

2.Bagi pemegang kad kredit berpendapatan RM36,000 atau kurang 
   /setahun:

   (a) hanya boleh memegang kad dari 2 pengeluar.

   (b) bagi mereka yg sedia ada memegang lebih dari 2 kad kredit - mereka
        boleh memilih untuk menyimpan/terus mengunakan 2 kad sahaja dan
        membatalkan yg selainnya sebelum hujung tahun 2011.

   (c) Pemegang kad akan di berikan tempoh 2 tahun [atau sekurang2 nya]
        untuk menyelasaikan baki pinjaman/kredit dari kad kredit bank2 yg
        mereka batalkan untuk memenuhi Peraturan ini

   (d) Had kredit maksimun tidak boleh melebihi 2X pendapatan pemegang
        bagi setiap pengeluar.

   (e) Bagi amount yg melebihi Had maksimum tersebut, pemegang akan di
        berikan tempoh selama 2 tahun juga untuk menyelesaikan baki tersebut.

Semua Peraturan ini berkuatkuasa serta merta

Bank Negara Malaysia juga akan memperkenalkan beberapa langkah keselamatan bagi pengurusan Kad kredit dengan kerjasama Bank Pengeluar dan pengguna secara berperingkat.

secara peribadi, sebagai seorang pengguna dan dengan pengalaman di dalam pengurusan kredit Perbankan, saya mengambil kira pendekatan ini sebagai sangat Baik dan adalah POSITIF - untuk kebaikan Pengguna itu sendiri . .

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Friday, November 4, 2011

Fixed Deposits Acct - for Investments or to Secured a Loan . . .

What is FD at the first place? 
















A fixed deposit is a form of savings kept with a banking institution for a stated period. The rate of interest for a fixed deposit account is generally higher than a normal savings account. Most banking institutions offer fixed deposit accounts of various tenures to cater for the needs of consumers. 
You can check out the fixed deposit accounts offered by the banking institutions from their respective websites. 

some people deposits their savings in a Fixed Deposits Accounts to benefit from the higher Interest Rates, but some are are just to Secured a Loan or securing a Contract / Govt Tenders

Secured Term loans Offered by Banking Institutions can be on a 1:1 ratio , 1:2, or 1:3 ratio to FD amount - meaning :

if u have RM 100k FD in XYZ Bank, they might offer u RM 100k, 200k or maximum 300k

However, there are banks that don't really looked at this FD accounts if your company profiles and Audited Acct and Taxation Documents are 110% perfect !

Currently banks in Malaysia has various types of FD accounts to cater different segments of Markets - Interest may varied from 3.0 - 3.6% . .

From the Banking Info website below you may find some Info on the latest Interest Rates and the comparison offered by Banking Institution in Malaysia . . .

this website here .Banking Info 

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Wednesday, November 2, 2011

4.45% utk 20 tahun - Kadar tetap Paling Rendah !

Assalamualaikum dan Selamat Sejahtera !

Berita Baik utk Kakitangan Kerajaan  dan Badan Berkanun Terpilih . . .

Tawaran Hebat Pinjaman Peribadi - Islamic dengan Perlindungan Takaful untuk Pinjaman Anda
Kadar KeUntungan [ interest - konvensional ] se-rendah 4.45% tetap/setahun


Rebutlah Peluang ini utk . . .  .
1.  Membayar Penuh Baki Pinjaman Rumah Anda 
               - Jaminan utk Keluarga sekiranya berlaku sesuatu yg tak dapat 
                 di-elakkan
               - Tiada desakan Bank sekiranya Anda Hilang Upaya Kekal

2.  MeLangsaikan Pinjaman Kereta anda
               -  Tanpa Perlu risau CCRIS report yg tak cantek [ sebab miss bayar 
                   Loan ]
               -  Boleh Menjual dengan Harga Tinggi kereta anda kerana tiada 
                  Interest atas Pinjaman kenderaan

3.  MeLabur dalam pelaburan Jangka Pendek dan melipat-Gandakan 
     Pendapatan dengan Modal/Pelaburan yg besar
                -  Mutual Fund
                -  Pelaburan Emas 

4.  Membeli kenderaan atau Hartanah dengan Belian Tunai - jimat Inerest dan 
     boleh mengambil Lebih Keuntungan sekiranya Perlu Menjual semula 
     harta2 tersebut . . .


5.  Mengambil tunai dengan "Overlap" hutang lama dari Bank2 lain sambil 
     membayar pada amount yg sama, kadar Keuntungan/ Interest  yg lebih 
     rendah dan tempoh yg lebih pendek.

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Thursday, October 27, 2011

Bank Overdrafts vs Bank Loans [ a Comparison ]

Comparison of Bank Overdrafts and Bank Loans - [ useful Tips ! ]


















The key advantages of overdrafts and loans in certain business situations:

Advantages of an overdraft over a loan

Customer only pays interest when overdrawn

Bank has flexibility to review and adjust the level of the overdraft facility, perhaps on a short-term basis

Overdraft can be effectively be used as a medium-term loan – the facility is simply renewed each time the bank comes to review it 

Being part of short-term debt, the overdraft balance is not normally included in calculations of the business’ financial gearing 


Advantages of a loan over an overdraft

Business and bank know precisely what the repayments of the loan will be and how much interest is payable and when. This makes cash flow planning more predictable

The loan is committed – the business does not have to worry about the loan being withdrawn whilst it complies with the terms of the loan


Feel free to leave your comments here with contact details or

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