Success is the intentional, pre-meditated use of choice and decision. Unless you choose – with certainty – what it is you want, you accept table scraps by default!
The world is plump with opportunity. With boldness and conviction, stick a fork into the goals you want by being decisive.
You are born with great capabilities, but you will not achieve your potential until you call upon yourself to fulfill it. You will rise to the occasion when it presents itself; yet, to assure self-fulfillment, you must provide occasions to rise to. Clearly defined goals allow you to travel toward another horizon that represents the end of one experience and the transition to a new and better existence. The objective is to choose the right goals, and then to create the necessary causes – the effects will follow!

The difference between what one person and another achieves depends more on goal choices than on abilities. The profound differences between successful people and others are the goals they choose to pursue. Individuals with smaller talents, intelligence, and abilities will achieve different results because they select and pursue different goals.
Each decision affects what you become. We form our decisions and our decisions form us. There is no escaping this; the smallest choices are important because – over time – their cumulative effect is enormous.

Never overlook the obvious: The nature and direction of your life change the instant you decide what goals you want to pursue.

Once you make a decision, you start down a path to a new destination. At the moment the decision is made, your decision to pursue a goal alters what you are becoming. Just one spin of the lock’s dial – a single choice – can alter your life, your destiny, your legacy.

Think about it – your goal decisions represent and express your individuality. You seal your fate with the choices you make. You define yourself by your decisions.
Your dialogue with success is ultimately a solo one. Decisions and goals made must be your own if you are to call your life a success.

Always establish the best goals you can. Goals are the seeds of success – you become only what you plant. The quality of your harvest is a direct reflection of the quality of your seeds-your decisions!
Indecision is the big eraser of opportunity and potential. Risks and costs accompany every decision; however, the price of decision is far less than the long-range risks and costs of comfortable inaction. When it comes to decisiveness, squatters have no rights.

Everyone has an official wish list of things they think are “reasonable”. What about the unofficial wish list? The one that common sense tells you to ignore? The list that exists deep in your mind, the list that keeps you up at night, that makes your toes wiggle when you think of it? Why not choose that list for a change?

How long have you dreamed of being, having, and doing what you really want? Think big, as when it comes to your goals, the size of your ambition does matter.

Wondering what will be your answer on this question???????????or maybe you can share your answer by writing it under the comment….

This morning, during our morning meeting, suddenly this question was asked…the question looks simple and we all should have known the answer but when we were asked to give a simple answer…not easy…most of our answer is long .  Finally, we have the conclusion… LIFE INSURANCE) a contract whereby the life insurance company will pay you according to the contract  when you dont have time or when you have time…confusing???hehe..let me explain…

Pay you when you dont have time…it means..when death or total permanent disability or critical illness occur, and you wont have time to work to get income..then your life insurance will pay you accordingly…pay you when you have time means if you are healthy and live long…then when you need funds for retirement, this contract will pay you accordingly too…so…this is a special contract ..no matter how..you can still get  the money .

So, dont you think it is a very good contract which everyone should have????hehe..if you answer is yes…then please do contact me if you need further information on this (advertisement time..hehe)but rest assured that information will be given free of charge and no obligation…:)

Want to be a Millionaire????????or..what it means to you ??????

You know, lately when i mentioned about ..to be a millionaire, then one friend said..how???buy the rotary ticket and win the first prize and be millionaire?????well…from this response..you can see that a lot of people still think that the only or easy way to be a millionaire is through luck or rather unbelievable, in a lot of people mind, it is unachievable unless you are lucky.

Well, to tell you the truth, every one can be a millionaire if he or she wants to be, want to know how?????simple….if you want to be a millionaire in 30 years time, by putting aside of rm670 every month for 30 years in a saving tool that gives you 8%, then by end of 30 years..you will be a millionaire..easy, right?the question is, are you willing to put aside this rm670 every month without fail for 30 years??????so, this is just the question of whether you are willing to pay the price or not…but if you want to become millionaire in shorter time then, more money need to put aside every month lor…as saying goes…”NO free lunch”…hehe….

If you want to know more…do contact me and i will show you how to plan to be a millionaire(advertising time, hehe)no harm to know, right??or if you are not interested to be a millionaire…or you like to know how to accumulate the amount that you wish to have, then you are most welcome to contact me., no obligation…and free information will be given ..or i wont mind if you buy me a coffee in coffeebean or starbucks..hehe

For those who are reading this writing of mine, must be wondering why “Vision for Old Age”…?????cause normally when we talk about vision..we mean a lot of other things in life…beauty of life…etc..etc..and never vision for old age, right?????but after visited the old folks home this afternoon, then i started to think about this…”Vision for Old Age”…i think no one ever want to have a vision where they want to go or where they are heading to when they are old cause we never want to accept that we will become old one day but i think it is important that this should be in our planning too.

As usual, thursday afternoon is my visiting of old folk home with my church team member and we normally spent two hours to visit two old folks home here and this afternoon when i walked into the first old folk home, i found that the crowd has become bigger and more aunties and uncles were there, some in their 80s, 70s and 60s.

I am just wondering have they thought that they will be staying in such places when they were young?????? i think definately the answer is “NO”…even if you ask me now…i think i will tell you that i wont stay in old folks home when i am old one day.  It is very sad, cause when the person become old, he or she has to stay away from family members and stay into a house with all those aunties and uncles whom he or she never met before or rather stranger to them.

I think in order to avoid such things happen to us, i think we better do include this agenda into our planning or rather into our financial planning so that at least we have planned well ahead where are we going to be or rather where are we going to stay when we are old.  If we do not have such vision now and plan it accordingly, then we are actually gambling on our own old age life.

Then you might say…how?????how to plan?????i think the question is still how much retirement fund you have planned for yourself , or rather beside retirement fund, maybe you can consider to have a small house or a small apartment whereby you can stay when you are old, at least you know you have a place to stay no matter what happen.

Then you might say…am i advertising my business again..i.e. retirement fund planning…well…i do admit that my business is about sharing with people…how to create retirement fund, emergency fund, income protection and so on…but today the reason i am writing my sharing here on this subject is a deep thoughts from the bottom of my heart…so friends..do plan well for it..so that you wont regret when you are old ..that is too late..my friend.

Established in 1848, Prudential plc is one of the UK’s leading financial groups with £2495 billion
funds under management worldwide.

For over 160 years, Prudential has played an important role in the finance industry and an even
more important role in the lives of millions of consumers. Throughout the region we have
operations offering a mix of life insurance, pension, mutual funds, consumer finance,
investment management and general insurance products and services to meet the specific
needs of our customers. And not so recently, we have also embarked on the mission to be a
key provider of Islamic finance products and services across the globe.

Alongside our successful life operations in UK, US, Asia and Europe, Prudential also owns
M&G, the UK’s and Europe leading mutual fund business and the first company to launch unit
trusts in Great Britain in 1931. At present, M&G is managing over £1416 billion funds under
management.

In Asia, Prudential has a rapidly growing mutual fund business including Prudential ICICI AMC,
the largest private sector fund manager in India and Prudential SIT in Taiwan, one of the top 5
mutual fund businesses. BOCI-Prudential is also one of the leading Mandatory Provident Fund
players in Hong Kong.

Alongside its wholly owned operations in Asia, Prudential has also forged successful joint
ventures and strategic alliances with some of the region’s leading financial institutions including
CITIC (China International Trust and Investment Corporation), Bank of China International,
India’s ICICI and Standard Chartered Bank
Prudential in Malaysia
Prudential Fund Management Berhad (PFMB) is part of Prudential plc and was incorporated in
November 2000. It is a wholly owned subsidiary of a Malaysian resident holding company,
which is in turn a subsidiary of and controlled by the Prudential group of companies.

PFMB offers a range of investment products and services encompassing Unit trust, Portfolio
Management Services which entails customised structured products for institutional, corporate
and high net worth customers and Shariah Investment.

As the investment arm for Prudential’s group in Malaysia, PFMB is not limited to managing 40
unit trust funds but also responsible for managing the Prudential Assurance Malaysia Berhad
and Prudential BSN Takaful’s investment-linked funds since January 2008 bringing its total
funds under management to RM13 billion as at 31 December 2008.

Kuala Lumpur, 26 October 2009 – Prudential Fund Management Berhad (PFMB) today
launched a new Shariah-compliant equity fund that leverages on the anticipated consumption
growth in China.

Called the Prudential Dinasti Equity Fund (“PRUdinasti”, or the “Fund”), the Fund seeks to
achieve its objective by investing primarily in Greater China-based Shariah-compliant equities
listed in recognised exchanges in the People Republic of China (PRC), Hong Kong, Taiwan as
well as other permissible exchanges such as Singapore, Malaysia and the United States.

In launching this fund today, PFMB Chief Officer of Products and Marketing Christopher Chan
described this approach as a twin-pronged strategy that enabled investors to benefit from both
ends – consumption surge within mainland China as well as potentially more favourable equity
valuations of selected companies in a wider pool of available exchanges in the Greater China
region.

PFMB has also worked with Dow Jones Indexes to create an index, the Dow Jones Islamic
Market Greater China Index, to be used as a benchmark by the Fund.

“When we first realized there was a need to a more fitting measure of the Shariah-compliant
equities in the Greater China region, we approached Dow Jones Indexes to create the Dow
Jones Islamic Market Greater China Index because we recognize Dow Jones Indexes as one
of the leading global providers in indices”, said Mark Toh, Regional Head of Islamic Fund
Management, Prudential Corporation Asia and also the Chairman, and Acting CEO of PFMB.

“PFMB’s decision to select the Dow Jones Islamic Market Greater China Index as the
benchmark for the PRUdinasti equity fund gives market participants in Malaysia exposure to
the stock performance of leading Shariah-compliant companies in Hong Kong, mainland China
and Taiwan. The index is part of the unique Dow Jones Islamic Market index series which
combines faith-based principles with investing. In 1999, Dow Jones Islamic Market Indexes
were the first to market and have set the standards of Islamic indexing ever since,” said
Michael A. Petronella, President, Dow Jones Indexes.

Chan explained that PRUdinasti extended its focus to Taiwan and Hong Kong as part of its
diversification as the consumption boom of Mainland China would need some time to take full
flight, citing the fact that private domestic consumption as share of GDP in China is the lowest
among the four BRIC countries1 (Brazil, Russia, India, China), besides being just over half of
what US consumption rate is2. In addition, PFMB believes there is also a lack of Shariahcompliant
products in this category and with the Malaysian regulators supporting Islamic Fund
Management activities, we are pleased to offer Malaysian and global investors this opportunity
to participate in this sector.

“China’s urban population is seen touching 47% next year and is projected to hit 57% by 20203.
Currently, urban consumer spending is estimated at 37% of GDP (Gross Domestic Product)
and it has the potential of almost growing to 50% in 11 years 4 . Imagine the growth of
companies that pander to this domestic consumption capacity and this is where we will focus
on to provide our investors with potentially attractive returns over a long term horizon,” Chan
added.

“By also looking at companies in Hong Kong and Taiwan, which are already among China’s top
five trade partners in 2008 and benefiting from the harmonious economic link with China, we
are able to adjust our investments accordingly to wherever there is better growth at any point in
time. Rest assured, our on-the-ground knowledge of investment experience in the China
securities through our successful partnership with CITIC-Prudential will continuously lead us in
bringing value to our investors.” stated Chan.
Investors interested in seeking long term capital appreciation through participation in Shariahcompliant
Greater China equities will find this Fund suitable for their portfolios.

Correspondingly, these investors would also have a high tolerance for risk and have a longterm
investment horizon.

A total of 100 million units of the Fund are available for subscription beginning 26 October 2009
to 15 November 2009 at a price of RM1.00 per unit for a minimum investment of RM1,00

Hey..friend…there is a new fund launching today…i.e. china dinasti equity fund as china is having a very high comsumption rate due to its hugh population and so the investment opportunity is great.

As the Bank fixed deposit rate is so low now, around 2.5% per annum, it will be wise to divisify your saving so as to earn more, if not, due to inflation, your money or saving will be depreciated then at the end of the day.. you will find that your money has become so small in value..As you are aware that nowadays cost of living is increasing, the toilet roll that we used to buy at about rm8.90 now has increased to rm11.50 and more, so you can imagine if we just keep our money at the Fixed deposit rate of rm2.5%, at the end of the day, our money will become small in value.

So, friend , start to divisify your saving now..for this fund, minimum investment amount is rm1000,  if you wish to know more…do contact me….no obligation…you are most welcomed to get more information from me…good day……

Good news…as what i have shared in my previous writing…i have started to play the chess game on line..and as i did not know the game at all..and so i never win any game..and i did say that i will make an announcement if i win any game..and here i am…hehe…just won one game..hehe….

I won without knowing how to play…it makes me realise something..eventhough you might not know the thing well but if you keep forcus and have the vision that you want to win..then you will win without knowing the reason..hehe…so…friend..no matter what are you doing in life..focus and keep going..and you will achieve your vision and dream…..yeahhhhhhhhhhh

Few days ago, through a friend’s invitation, i logged into the website, www.chesscube.com and started to play chess, sound like i know how to play chess ya..hehe..actually i never play..

When I was in the website , i just clip play on line then someone accepted to play the game with me, so i just simply moved and you know what…within a few minutes, game over ..hehe…the other member just won me so easily and fast. but it is interesting and i think i will continue to learn and play, this is going to be another good hobby for me.

Anyway..thanks to the friend for inviting me and will make my announcement here if i manage to win any of the game..hehe…

Hey..friends…hope it is not too late for me to wish everyone SELAMAT HARI RAYA and happy holiday…:)

For those who have read my previous sharing on GIVING, now I wish to share on the Joy of Giving which i just experienced few minutes ago.

Last night…I received a call from my policyholder’s mother and asking if i can see her this morning as she has something to ask me about an business opportunity, at first, i was a bit hesitate as i have planned to finish off my filing and paperwork within these two days Hari Raya holiday but within a second, a thought came into my mind, i have to see her as i think she really needs my advice and that is why she will call me cause she seldom contact me.

So this morning went to see her and she asked me a lot of question concerning the business and i tried my best to explain to her the information that i knew and advice her to look at the business plan carefully and highlight a few points or fators that she should look at.  Finally she has a clearer mind and i am happy cause at least i have given her some ideas as she told me she is confused and really dont know who to ask.

On the way driving home, I felt very happy cause at least i have shared to someone what i knew and hopefully it will help her to make her decision.  I suddenly realised this is some form of giving as well. So, friends, do share whatever you know to anyone that needs the information as in a way, you are giving too…this is the reason why i like to have coffee with friends rather than going shopping cause through coffee time and chatting time, we can share and learn from each other and from what we have learnt, we can share with others who needs such information.

So, friends, do share of whatever you know…and if you like to share with me..you are most welcome to have coffee with me….cheers………great day…..