Monday, April 1, 2013


Salam kpd semua rakan yg memasuki blog saya......lama tidak update blog kerana terlalu sibuk dgn urusan perniagaan. Adakah anda semua tahu industri TAKAFUL merupakan industri yg sangat berpotensi menjana pendapatan yg sangat lumayan.? Apa yg perlu anda buat adalah mengenali industri ini terlebih dahulu. Pendapatan 5 angka adalah biasa dlm perniagaan TAKAFUL ini. Anda tdk percaya.? Kenali lah kerjaya ini pasti anda kagum. Hubungi saya segera 016-2207467 atau email saya : Sedang mencari rakan niaga di KL, Ipoh & Kuantan. Terima kasih......hanafi - Chief Managing Consultant Maa Takaful

Thursday, November 22, 2012

Why Not You Retire Now...?

Most people think that retirement is about sitting at home and no longer need to be productive. Some people also think that retirement is equal to financial freedom. The earlier you achieve that, the sooner you can retire. There are also some people who think retirement is mandatory only when you reach the retirement age.
But in this article, I am trying to convince you that you don’t need to wait 30 years to retire. Change your mindset. You can in fact retire now if you want to.

It is not the usual and believed way to save a lot, wait a long time, and then spend on the nest egg carefully. You don’t really need to have a very big nest egg to retire. Imagine what you can do differently if you are going to retire now? Right now.

Foresee what you will be doing when retired

You can actually plan to retire much earlier if you can foresee what you will be doing during retirement. I believe that at one point in your life, you must have heard about the story about a fisherman.
A boat docked in a tiny Mexican village. An American tourist complimented the Mexican fisherman on the quality of his fish and asked how long it took him to catch them.
“Not very long,” answered the Mexican.
“But then, why didn’t you stay out longer and catch more?” asked the American.
The Mexican explained that his small catch was sufficient to meet his needs and those of his family.
The American asked, “But what do you do with the rest of your time?”
“I sleep late, fish a little, play with my children, and take a siesta with my wife. In the evenings, I go into the village to see my friends, have a few drinks, play the guitar, and sing a few songs…I have a full life.”
The American interrupted, “I have an MBA from Harvard and I can help you!
“You should start by fishing longer every day. You can then sell the extra fish you catch. With the extra revenue, you can buy a bigger boat. With the extra money the larger boat will bring, you can buy a second one and a third one and so on until you have an entire fleet of trawlers.
“Instead of selling your fish to a middleman, you can negotiate directly with the processing plants and maybe even open your own plant. You can then leave this little village and move to Mexico City, Los Angeles, or even New York City! From there you can direct your huge enterprise.”
“How long would that take?” asked the Mexican.
“Twenty, perhaps twenty-five years,” replied the American.
“And after that?”
“Afterwards? That’s when it gets really interesting,” answered the American, laughing. “When your business gets really big, you can start selling stocks and make millions!”
“Millions? Really? And after that?”
“After that you’ll be able to retire, live in a tiny village near the coast, sleep late, play with your children, catch a few fish, take a siesta, and spend your evenings drinking and enjoying your friends!”
Picture what you would be doing when you no longer worry about money. Why not start doing that now? You don’t need to have a million dollar in the bank to start fishing.

Have an annual sabbatical or mini retirement

The story of the fisherman is quite an extreme example. Most of you would like to have a comfort life – at least a decent car, house and some pocket money for all fine dining. So here is another route you can take.
If you break down your retirement goal into yearly goal, the big goal becomes much more achievable. Let’s say your original plan is to work hard for 30 years, then retire for another 30 years. Is it possible to break the retirement period into years or months?
Can you work for 10 months a year and then have a mini-retirement for two months? Some say their current job doesn’t allow that. Then why not find a job that enables that to happen?
If you can have a few months off every year, in order to do what you love and enjoy, that’s call retirement in my dictionary.
The world is such a wonderful place. You can move to a place you like, stay there for a month, and complete a project before you come back. You can mix things around. Work is travel. Project completion is experience earned. You just do it all at once – work, travel, retire, enjoy life, making money etc.
That is definitely possible. Just think about it, really deep.

Monday, October 29, 2012


Kekosongan Sebagai Consultant ( 30 Orang dengan minimum pendidikan SPM ) / Kekosongan Sebagai Managing Consultant ( 5 Orang dengan minimum pendidikan DIPLOMA ke atas ). Hanya Yang Layak Sahaja Akan Dipilih Ke Agensi Kami Vibration Consultancy - Financial One Stop Centre


Hubungi saya( Hanafi ) di : 016-2207467 (sms atau call ) atau email : 

Why You May Lose Your House If You Simply Opt For Bank MRTA.?

MRTA is the abbreviation of Mortgage Reducing Term Assurance. For those who don’t know what’s MRTA – it is a life insurance plan with decreasing sum assured over time, just to cover your home loan owed to bank.

Normally, this is what happen. After you buy a house, the mortgage officer will normally ask you to buy a hassle-free bank MRTA, single premium, and financed into the loan. You only pay a little bit extra per month, what a fantastic plan!

But are you aware that buying MRTA may not be able to directly protect your asset and your family?
If you purchase MRTA, the beneficiary is the bank. If any misfortune happens, the bank get the mortgage outstanding balance from insurance company (and now the bank is safe).
What happen to your house by now? Your house will be frozen under the estate, your assets will be utilized to pay for other liabilities, clearing income taxes (including outstanding and uncleared taxes for the past many years) and settle legal and accounting expenses. Your family is the LAST party to receive your assets. And in this process, your beloved family will only receive the asset if your asset value is greater than liability, otherwise your estate will be declared insolvent (bankrupt). Your family is forced to leave the house even though the insurance proceed from MRTA has already been paid out. Isn’t it unfair?
In short, bank MRTA is meant to protect the bank, you and your family are only being protected Conditionally.

Then what is the solution? Buying personal MLTA. It means Mortgage Level Term Assurance.
If you purchase personal MLTA, the beneficiary is your family. In case of any misfortune happens, your family will get insurance proceed equal to the value of the house. And the most important thing is that this insurance proceed is creditor-proof and will not be frozen.
What about the house? The house will still be frozen and subject to the same estate execution process anyway.
If your asset is less than your liability, your family at least have already got the cash from insurance. They can buy a new house now.
If your asset is more than your liability, your family get both house and the cash.
Does this make sense to you?
And the other wonderful thing is that if you finish your mortgage installment earlier and wanted to change to a bigger house. Your personal MLTA is portable to your new loan.

Friday, September 7, 2012


Can a person become sick due to money? You answered correctly if you said “yes.” A person who constantly worries about money may be afflicted with “Money Sickness Syndrome” (MSS). MSS was identified by Dr. Roger Henderson in 2006 who is a leading mental health expert in the UK.
MSS is triggered by financial stress and consequently sufferers experience physical and psychological problems such as depression, weight gain and sleeplessness. Financial stress may stem from worrying about making enough money, the lack of financial control, the high cost of living, how to maintain a certain standard of lifestyle, etc.
Those with debt problems are also at risk. These people do not know how to spend their money wisely and control their overspending. Hence, they accumulate debts which cause them to worry excessively.

Warning signs

There are signs to look out for that signal a person is heading towards trouble and getting MSS. For example, the person has trouble paying his bills (i.e. late payments), doing overtime work to earn more; his credit is at the limit and getting a new loan in order to pay off the old one.
There is a misconception that only low net worth people are affected by MSS. The real situation is even high net worth people are also affected. Nobody can actually escape from financial worries and all of us have it to some degree.
In a study done in the UK in 2009, 87 percent of people (British) have financial stress. It was reported that unskilled workers, high level managers and professionals suffer from financial stress. The women had higher levels of stress compared to the men and the most obvious symptom was anxiety.

In a separate study in the US, 35 percent of middle-class Americans were afflicted with physical stress or a member of their household had it, due to the recession that started in late 2007.

Taking control

Dr. Roger Henderson’s own advice is to take control of the situation. He recommended three ways to deal with money-related stress called “The 3 A’s.” It stands for “avoiding, altering or accepting.”
• Avoiding: According to Dr. Henderson, a person should avoid unsafe investments or job situations. The person should live within his means and save for the future.
• Altering: The person either scales back his lifestyle or increases his income by finding a better or higher paid job.
• Acceptance: A person has to accept the fact that experiencing some financial stress is a normal part of life which affects everybody.
There are people who are not aware of their real financial situation and remain ignorant similar to an ostrich that buries its head in the sand. The reality is some people can actually improve their money situation just by altering their attitudes or their perceptions about money. A simple yet a significant step such as living within their means can make a huge improvement to their financial situation.
The main symptoms of Money Sickness Syndrome again are weight gain, depression, sleeplessness or insomnia, loss of concentration and low sex drive. In order to avoid these health problems, a person is advice to take some control over his money situation or to seek professional help.

Wednesday, July 18, 2012


Leverage means The use of credit or borrowed funds to improve one’s speculative capacity and increase the rate of return from an investment, as in buying securities on margin.

Investing is already a high risk activity, according to those not used to do investment. If to use leverage in our investment, it means the risk involved is even higher. But only with the proper use of leverage, a person can grow rich even faster. We must have heard that most wealthy people actually had gone through some difficult years prior to their success. Normally, they are able to double their income every year after those initial struggle. They certainly use some form of leverage. Example:
1. Buying property with bank’s money. In order to own a RM100,000 real property, we only need to pay 10% down payment of RM10,000 for residential property. When the property appreciate to RM110,000, we made a gain of RM10,000, which is a 100% return from our initial RM10,000.

2. Buying warrant instead of it’s mother share. Warrant itself is a form of leverage. When the share price rises 10 sen, the warrant will normally follow by 10 sen as well. Those who bought warrants know that warrant is a derivative security that gives the holder the right to purchase securities (usually equity) from the issuer at a specific price within a certain time frame.

3. Borrowing money to do business. That’s how entrepreneurs are able to build their wealth in a short period of time ( 3-5 years). They use the bank’s money by paying them 4-9% interest, but are able to produce more than 20% return per annum in their business.
If we can learn the art of using leverage, we will be able to grow our wealth much faster!