by Helmi Hakim | Feb 28, 2009 | Miscellaneous
I have a special quiz for you. 🙂
Example, you have 1 negative person and 3 positive person, in a team. Who WINS when they challenge each other?
Answer: That very freaking 1 NEGATIVE PERSON
This is because negative things are very easy to spread and absorbed. Having negative people in your team is very risky and dangerous. They are like virus, poison that is there to kill your dreams.
There is this one anonymous guy, who keep posting negative comments in my blog. He also polluted my colleagues’ blog with unwanted remarks. I have compiled all these remarks in my blog, and it amount to more than 30 pages.
Gosh… Isn’t it better, if you could use that energy to HELP OTHERS instead of bringing them down? For some time, I CHOOSE not to respond to his comments and just spend my time deleting it. This is because I do not want to bring myself so low to such a level, where degrading others is synonymous with ones’ lifestyle.
I leave it to God to handle these unethical people.
God is fair. If you do good to others, you will reapt the returns in future. If you do bad to others, dont question yourself later, “why all the bad things are happening to me?” I always believe in karma.
Peace! 🙂
by Helmi Hakim | Feb 17, 2009 | Insurance, Investment, Miscellaneous, Motivation
Yes…. I am writing a book on Financial Planning.
I will complete it by June 09 and then send it for publishing. It will be available in your local bookstores, once ready! 🙂
The “planned” title of the book is “33 Common Questions People Asked Me As Financial Consultant In Singapore“… (title may change, to make it more CATCHY)
Let me detailed you some of the questions that I will answer in the book….
……………………………………………………………………………..
Questions On INSURANCE
– Why You Must Get Insurance?
– How Much Coverage Do You Exactly Need?
– What Are The Different Types Of Insurance Available For You?
Questions On SAVINGS & INVESTMENT
• How Do You Create Your Personal Income Statement, Your Personal Balance Sheet & Your Personal Cashflow Statement?
• Discover 3 Big Differences Between People Who Are Successful Financially & People Who Failed Financially.
• How Do You Increase Your Savings By 10% Without Losing A Tint Of Sweat?
• What Is Parkinson’s Law & How Do You Avoid It?
• Why, When, Where and How Do You Invest In Funds? X% Bonds? Y% Equities?
• How To Logically Create Passive Income, So That One Day You Can CHOOSE Not To Work?
• How Do You Measure, How Much EXACTLY You Need For Your Retirement?
• Why Your CPF/EPF Is Not Enough For Your Retirement?
• Why You Should Never-Ever Buy Stuffs On Loan? Examples?
• 6 Months Of Emergency Funds In Fixed Deposit. Huge Opportunity Cost?
• How To Use A Financial Calculator? Just Remember 5 Variables & You BECOME A Financial Expert. 🙂
• Looking For Instruments With Best Return On Investment? How Is Compounded Interest Different Than Simple Interest? (Learn To Interpret Deceiving Financial Brochures)
• How To Create A Budget?
• Credit Card, Double Edge Sword? How To Use It To Your Advantage?
• What To Look For When You Invest In Stocks? Are You Dividend Oriented Or Looking For Capital Appreciation?
• How To Reduce Tax LEGALLY If You Are An Employee? If You Are A Business Owner?
• What You Should Know When Financing A Car?
…………………………………………………………………………………………….
These are some of the questions that I will answer in the book. (working very hard on it!)
Right now, I need your help. I am very sure that at the back of your mind, you have some BURNING questions, on insurance, savings or investments.
PLEASE…….Please leave your questions in the comments section below.
Should you have a website, and you will like me to include your name and website url in my book, please leave your details below too…. Its a POWERFUL viral strategy for you to market your business for FREE! 🙂
Yes…. Just type one of your burning questions at the comments section, below…. I truly APPRECIATE your help! Thanks so much! 🙂
by Helmi Hakim | Feb 14, 2009 | Motivation
Let me ask you a question?
What is the most DANGEROUS disease that humans in the whole wide world can have?
Answer: COMPLACENCY
Sometimes, when I compare my income with my peers (of the same age as me), I feel that I am much way ahead and start to feel complacent. When I get complacent, I will come late for my roadshows.
I will surf the net in my office instead of doing my telemarketing, calling my existing clients and prospects that I have gathered during my cold canvassing.
I will prefer to call my friends to go JB and relax, instead of doing some reading to upgrade myself.
I will prefer to just listen to music while in MRT rather, than listening to Brian Tracy, Zig Ziglar, Blair Singer audio programs. paid hundreds for it
Are you in a similar position as me? Gheeee…. it just doesnt really feel good, you know…when later, you find yourself at the back instead AHEAD of the pack.
Luckily, I found a method, to stop myself being complacent and cheong fight my way ahead.
The no secret, confirm to work method to avoid yourself from being too complacent is to MIX with people who are BETTER than YOU.
1) When I know, some of my colleagues earning $15,000, $20,000 a month, my complacency level COMPLETELY WIPE OFF.
2) When I see, a number of my colleagues are MILLIONAIRES, living in enviable condominiums, my drive to attain such material possessions INCREASE tremendously.
3) When I see, a new, young agent, who just joined, closing so many cases, I question myself, why SHOULD I STOP?
This is a powerful strategy. So if you want to STOP yourself from being too COMPLACENT, start to surround yourself with people who are way, way, BETTER than you! 🙂
by Helmi Hakim | Feb 11, 2009 | Miscellaneous
As for month February, March and April, I will be reducing my posts to once a week.
This is because, I need to devote quite some time, on few projects
– passing my driving test (my lessons, almost everyday), to pass before company’s incentive trip to Australia in April.
– completing and publishing my first book (will leak the details at a later date)
– passing my AFC (Associate Financial Consultant) exams
– restructuring the my client management system using FastPro software.
– preparing materials for “Helmi Hakim’s Clients’ Testimonial” and “Whiteboard Financial Youtube” videos.
I really hope, you learnt something from my blog, as I also learnt when I share! 🙂
by Helmi Hakim | Feb 9, 2009 | Investment, Motivation
I believe, this is a very intriguing topic, for Mondays’ motivational post.
You see, many people including ME, loves to spend. Everytime, earn money, I love to splurge on everything that looks ATTRACTIVE to my eyes. nike sales @ singapore expo just over
Yes… I always advise my clients on the boundaries of “needs” and “wants”. Buy stuffs only, if you NEED it. Save 20% of your monthly income. Have 6 months savings of your monthly expenses for contingencies….Think savings as on a daily basis, makes it much EASIER for you to save….Savings is GOOD, spending is BAD…..dadadahhhh….
It is like script that I have rattled over 1001 times….preaching and at times lambasting others to do savings. Easier said than done. Period.
The question now is, “How do you exactly MOTIVATE yourself, to do more savings?”
The strategy that I am about to share with you, is a well known strategy that many who find it difficult to save money like me, contends that this is the BEST, “sure to work” strategy.
It is called “FORCED SAVINGS”! 🙂
Most people, what they do, when they get their pay, is that they SPEND their money first, and then later, they SAVES.
They spend their money, and then later at the end of the month, begin to kancheong question themselves, “Eh? Where all my money gone into?”.
Unfortunately, for many, the “balance” at the end of the month is too little or worst… they have a negative cashflow, taking GE loans, Courts loans, even worst….credit cards loans @ 24% interest per annum! 🙁 –sigh, disappointment–
What you need to do is, save your money first, and the remaining, SPEND it! Get a regular savings plan, ie endowment plan or investment linked policy. (Note: Financial Advisors like us can do a risk profile analysis for you)
The money will be deducted every month automatically from your bank account. I did this, and NOW, whenever, I spend money, I can do so without feeling guilty.
Why? Because, I know that my savings, for the basic needs have been well taken care of! 🙂
So remember, when you get your pay, SAVE your money 1st, and then later, you can SPEND the rest, without feeling guilty! 🙂
