First Batch Basic Islamic Estate Planning Course For 2012

Assalammualaikum.......syukur alhamdulillah pada 29/04/12(ahad) telah tamat kursus Perancangan Harta Pusaka Islam selama 5 jam yang di kendalikan oleh Vibration Consultancy untuk kumpulan pertama untuk tahun 2012. Tahniah kpd yg telah berjaya hadir dan memberi komitmen dgn baik. Ilmu banyak menentukan sejauh mana kejayaan anda di dlm sesuatu bidang itu. Dengan tamatnya kursus tersebut saya yakin anda telah nampak lebih luas lagi potensi-potensi pasaran di luar yang gagal di ambil peluang oleh ramai konsultan Takaful. Dan pastinya anda telah dapat melihat dgn lebih jelas bagaimana untuk mendapatkan caruman tahunan yg berjumlah besar.


Ilmu yang bermunafaat adalah ilmu yang digunakan.....Do your best..!




Hanafi - Chief Managing Consultant

Malaysian Not Saving Enough Money

In my friend previous posting “Are You an Active Saver“, She wrote about a survey result concerning Malaysians’ financial situation. The conclusion is that we Malaysians are not saving enough for the future. You may belong to this group that is not saving enough if you agree with any of the statements below.

• I do not know where my money goes each month
• I do something everyday that wastes money
• I do not know my own weaknesses
• Spending on big items like a car, a house and even groceries are dragging me down
• I am wasting money carrying debt

In reality, these are the issues that need to be addressed and tackled everyday. These are the obstacles that may have been blocking your ability to preserve some money and save for the future. You may be earning a reasonable amount of money but still find it hard to save money.

How do you improve your financial situation?

The answer is by improving your financial literacy or financial IQ. Robert T. Kiyosaki, the author of the book “Increase Your Financial IQ”, advocates learning to solve financial problems to learn, grow and become more knowledgeable in order to become rich.
According to Kiyosaki, rich people view financial problems as opportunities to enhance their financial IQ or increasing their financial knowledge. Hence, having better knowledge means being able to solve more complicated problems and make more money.
On the other hand, the poor regards money problems as problems. They feel victimized which is compounded by their failure to solve their problems. Consequently, the problem stays and worsens and the poor becomes poorer.
A rich person may not be able to solve all his money problems but instead of ignoring them or walking away, he refers to others who are experts in the field to solve them and learn from the experience.
Lastly, everyone has financial or money problems even the rich people. Those who choose to face and solve the problems will fare better compared to those who choose to ignore or pretend they don’t exist.

Malaysian Not Saving Enough Money

In my friend previous posting “Are You an Active Saver“, She wrote about a survey result concerning Malaysians’ financial situation. The conclusion is that we Malaysians are not saving enough for the future. You may belong to this group that is not saving enough if you agree with any of the statements below.

• I do not know where my money goes each month
• I do something everyday that wastes money
• I do not know my own weaknesses
• Spending on big items like a car, a house and even groceries are dragging me down
• I am wasting money carrying debt

In reality, these are the issues that need to be addressed and tackled everyday. These are the obstacles that may have been blocking your ability to preserve some money and save for the future. You may be earning a reasonable amount of money but still find it hard to save money.

How do you improve your financial situation?

The answer is by improving your financial literacy or financial IQ. Robert T. Kiyosaki, the author of the book “Increase Your Financial IQ”, advocates learning to solve financial problems to learn, grow and become more knowledgeable in order to become rich.
According to Kiyosaki, rich people view financial problems as opportunities to enhance their financial IQ or increasing their financial knowledge. Hence, having better knowledge means being able to solve more complicated problems and make more money.
On the other hand, the poor regards money problems as problems. They feel victimized which is compounded by their failure to solve their problems. Consequently, the problem stays and worsens and the poor becomes poorer.
A rich person may not be able to solve all his money problems but instead of ignoring them or walking away, he refers to others who are experts in the field to solve them and learn from the experience.
Lastly, everyone has financial or money problems even the rich people. Those who choose to face and solve the problems will fare better compared to those who choose to ignore or pretend they don’t exist.

KEJAYAAN BERMULA DENGAN CARA ANDA BERFIKIR

Salam.....pernahkah anda mengalami situasi di mana  setiap kali anda ingin buat perubahan di dlm hidup setiap kali itulah anda gagal melaksanakannya. Maka anda merasakan anda perlu mencari cara lain dan sumber lain untuk berubah. Malangnya setiap percubaan yg anda lakukan anda masih menemui jln buntu.

Pernahkah anda terfikir setiap kerjaya dan perniagaan ada org yg gagal dan ada yg berjaya.? Pecahan antara yg berjaya dan gagal secara purata berkisar 10% berjaya dan 90% gagal. Apakah punca kejayaan yg dimiliki oleh mereka yg tergolong dlm 10% ini..?

Sikap(attitude) merupakan penyumbang besar kepada kejayaan atau kegagalan. Jangan terlalu banyak bertanya "bagaimana untuk anda melakukan.?(how.?)" sebaliknya anda perlu bertanya "kenapa aku perlu melakukannya.?(why.?). Selagi anda tidak mempunyai sebab yg kuat untuk buat perubahan selagi itulah apa yg anda lakukan tidak akan memberi hasil yg maksimum. Attitude bermula dgn cara anda berfikir, oleh itu berhati-hati dgn cara anda berfikir. Minda merupakan aset utama bagi seorang manusia di mana minda(otak) adalah hakim manakala jasad hanyalah merupakan robot yg hanya menerima arahan dari minda. Sekiranya anda dapat mengawal cara anda berfikir dan membawa fikiran anda ke arah yg positif insyallah setiap halangan dan masalah akan sentiasa bertukar menjadi peluang buat anda, tetapi jika anda berfikir negatif maka peluang yg ada boleh bertukar kepada masalah. Seperti kata org-org berjaya " what the mind can conceive and believe it can achive.!"

Kajian menunjukkan sikap(attitude), cara berfikir mengenai isu-isu yg ditimbulkan kepada mereka yg telah berjaya mempunyai pendapat dan cara penyelesaian yg hampir serupa. Ini bermakna untuk berjaya kita perlu mempunyai sikap(attitude), cara berfikir, cara bekerja dan cara menangani masalah seperti cara mereka yg telah berjaya. Oleh itu sentiasa pastikan minda anda positif dlm apa jua situasi agar kita dapat mencari jawapan atau penyelesaian ke arah yg positif. Robert T.Kiyosaki dlm bukunya yg bertajuk "Retire Young Retire Rich" ada menekankan betapa pentingnya anda mengawal cara berfikir seperti " your brain can be your most powerful asset or it can be your most powerful liability. If you use the right words in your brain you will become very rich. If you use the wrong words, your brain will make you poor".

Rumusannya, anda perlu berubah dari segi pemikiran anda terlebih dahulu sebelum anda berhasrat untuk membuat perubahan di dlm hidup anda. TO CHANGE THING YOU MUST CHANGE FIRST.!

Hanafi - Chief Managing Consultant Maa Takaful

KEPADA SEMUA KONSULTAN BARU JGN LEPASKAN PELUANG TRIP KE BANDUNG, INDONESIA DENGAN HANYA RM5,000 SUBMITION ATAU 10 KES DALAM TEMPOH 2 BULAN DARI TARIKH KONTRAK ANDA LAYAK SECARA AUTOMATIK BERCUTI KE BANDUNG DI TANGGUNG SEPENUHNYA. BAGI MEREKA YANG INGIN JOINT AGENSI KAMI, IANYA SGT2 DI ALUKAN. ANDA JUGA BERPELUANG BERCUTI KE BANDUNG DENGAN WANG POKET SEBANYAK RM1,250 SETIAP SEORANG. HUBUNGI SAYA DI TALIAN 0162207467 ATAU EMAIL SAYA DI   hanafi_vibrationagency@yahoo.com / hanafivibrationconsultancy@gmail.com UNTUK KETERANGAN LANJUT.

SUM ASSURED = Level Of Love

Did your spouse ever ask you this question: How much do you love me?I think there is no simple way we can give a great answer. Is your love deeper than sea? Higher than any bird ever reach up into the sky? (with advance technology, we got space shuttles travel many light years beyond the sky limit).
If I am going to put the love level into a measurable number, I think there is no other way than using your insurance sum assured! And make sure that it is nominated to your love one! The number not only shows the monetary amount of your love, it also shows how much the love we are willing to afford.
The richest Chinese in the world Li Ka Shing was once asked about how much wealth he will distribute to his heirs. He said it all depends on how much insurance he bought and nominated to them.
Certainly, love comes in many forms. Buying life insurance on our own life and HIBAH it to our spouse will ensure our love stay on forever. Some husbands say his widow will remarried. The fact is they leave no choice to the widow. Why remarry if your widow receives a lot from your insurance proceed? If she is going to remarry anyway after she got rich, I don’t think she will wait until the day you die to make the decision.

The - Get - Rich - QUICK Nonsense

At one point or another, you may have encountered an online banner displaying a smiling person offering you the secret to earning 4 digits per hour. Surely, it is an enticing offer; but isn’t it a little too good to be true?
We’ve seen online schemes growing by the numbers. It is very likely that you, and the rest of the public who want to get rich quick, would just end up funding what these online offers are promising, instead of you and the others getting funded by these promises.
Most people who fell for these schemes are more likely to have more holes in their pockets or worse, become victims of identity theft. These schemes usually contain proposals disguised as “investments” or “franchises”, or even unclaimed “wills” set out to grab your money.
Cyber crime is on the rise with the current downtrodden economy, leading to more and more people stretching the boundaries of the legal and the illegal. Online schemes are out there to steal personal information to support their own interests. God knows what these strangers can do with your information. Think forged signatures and false credit card purchases.
With the rising cost of living, along with rapid technology growth, life is becoming more expensive to catch up on with the latest fads and comforts.
There are many different ways in attaining absolute financial freedom (A.K.A. getting rich). Some people choose to work double jobs along with other side jobs to make ends meet. Some even go back to school to sharpen their skills and get connected to key people in the field they’re passionate with. Some would quit their vices altogether.
The truth is no matter what they tell you about getting rich automatically, quickly or instantly, it just doesn’t cut it. Getting rich is a process and a journey. There is no short cut to it. One must rely on his own sense of judgment, his instincts, practicality and sufficient knowledge of accounting and applied math to become financially advantageous.
To avoid the hassle of putting your money where it isn’t supposed to be, listed here are 5 warning signs of online schemes
1. Nigerian Scheme
The Nigerian Scheme gained its notoriety by sending e-mails to unsuspecting people claiming that the sender is a lawyer and is and will be responsible for transferring money to your account since you are an heir to a wealthy “relative” who has recently passed away. These emails usually come in wrong grammar; but here’s where it gets suspicious: the “lawyer” requires you to give a copy of your personal information and wire in money to pay for “processing” fees. Good luck with getting a response after sending in your cash and info.
2. Ponzi Schemes
A Ponzi scheme can be identified afar by an offering of exorbitant returns on an investment. It gathers its victims by promising an average of 30% interest on your investment every 60 days.
Say you invest $100; you would receive a check 60 days later telling that your investment has earned you $30. You make another investment, this time $200. After 60 days, your $200 becomes $260. Quite a get rich quick scheme obviously. Then here you go, happy that you’ve made a quick buck, you start referring friends and they fall for it.
What’s really going on here is that the administrator pays off your returns using other investors’ money. Once referrals stop coming in, finances will fall like dominoes and once the company runs out of money to pay back majority of its investors, they run off with what’s left.
3. Affinity Fraud
Affinity is called as such because most of its victims are mainly soft-hearted and sympathetic internet users. This scheme starts off by an email claiming that the sender is entitled to a huge trust fund back in his native country. The sender however is abroad and lacks the funds to travel by plane. He then proceeds to tickle the heartstrings of the receiver, promising that once he gets home to his country, he’ll give more than what the plane tickets cost.
4. Work-at-Home Scams
Work-at-Home scams target housewives and other young people seeking self employment. While work from home is becoming a great way of earning under the comfort of your own roof, scams still exist, giving this thriving occupation a bad name.
Work from home scams usually start off with a tag-line offering the secrets on how to earn 4 digits per hour. Sign up and send in a registration fee to get a worthless work from home kit and a fluctuating work from home career where the paychecks do not arrive regularly. Breaking even for that registration fee will take longer than how quickly you’ve paid for their promise.
5. Foreign Lotteries
The foreign lottery win scheme preys on the gullibility of people who see winning the lottery as a lifetime accomplishment. This starts off congratulating the receiver as he has won the lottery in a foreign country, and since he’s not a registered citizen of the said country, he then is required to pay taxes from his winnings before the winnings can be released to him. The only ends that meet here are for the scammers, and never for you.