by Helmi Hakim | Feb 19, 2008 | Insurance, Investment, Miscellaneous
At times, clients feel at ease when talking to me.
They find my explanation simple and easy to understand.
I never talk too long, yet not too short.
Just nice. 🙂
Today, I will let out a little secret here. (You are very lucky, coz I dont have much secrets anyway 😛 )
If you are a financial associate like me, take my advice and I assure you, you will have lots of clients waiting eagerly, to get a plan from you without having you trying to persuade them much.
If you are my client right now, you will be nodding your head in full agreement, acknowledging what I will explain here.
Its a fact.
Everyone in Singapore knows the importance of financial planning.
They know its is very important to have insurance for coverage, to have savings for their future needs,and to have investments to meet their financial objectives in life.
This is the status quo in Singapore as majority are well educated today.
For many, they know all that.
For many, they just wants transparency in your dealings as an advisor and sincerity in your effort in recommending quality financial instruments to them.
When I communicate with my clients, I will always, always be very direct.
Straight to the point.
…and I love educated clients, because they know what I am going to say and usually even before I complete my presentation, they will just say “Okay, I will sign up the plan with you”.
I will retort “I have yet to complete my presentation. Its better for me to complete it so that you can have a clearer picture.”
Some will answer ” No need. My brother, my friends, my relatives etc2, is an insurance agents, and I get the plan from you because you explain about the plan in simple terms and I know it’s for me”.
End of story.
So… First thing first. Be very transparent.
Tell all your clients about the benefits they will get and also the charges involved. Tell you clients, what you expect from them.
Generally, advisor like us expect commitment from the client so as the clients themselves can reapt the fullest potential from the plan they have undertake.
Second thing, trustability.
I am very happy that majority of my clients trust me as their financial associates.
From trust, we build relationship, and from there, the cycle of financial planning continues.
That is what we called “long lasting business relationships”! 🙂
by Helmi Hakim | Feb 17, 2008 | Insurance, Investment, Miscellaneous
These few days, I will be busy, restructuring the contents of my blog.
I will be planning with my designers, with my programmers and all my mentors on developing this blog to a whole new level.
If you are my clients, I will be calling you up, and will ask for your email to share with you something exclusive. 🙂
One of the primary advantages of being my clients is that you get a first hand view of what I am going to share with the public. 🙂
The “stuff” which I am going to share with you is extremely powerful, addictive and definitely will change YOUR Financial Bluepreint for the rest of your life.
As part of the development of this blog, I will be making this as a “I,me and myself” kinda of thoughts communicating with you, readers of my blogs.
I want HelmiHakim.com to be unique, to be different and to be one that all my clients, friends, colleagues, families can associate with all the time.
I want HelmiHakim.com to be the best and recognisable financial blog in the whole of Singapore by end of year 2008.
With Gods Will! 🙂
by Helmi Hakim | Feb 13, 2008 | Insurance, Investment, Miscellaneous
I have read from other people’s blogs, comparing honourable professions like financial advisors and salespeople.
Indeed, we have common attributes.
We have common similarities.
We work on ethics and we earn a living by recommending best solutions to our clients.
We fulfil our clients needs.
We provide good service to our clients.
Some of my clients tell me, the reason why they get the financial instruments from me, is because they can see passion burning from my eyes.
Indeed, they can always get financial instruments from those advisers who have been in business for over 20, 30 years, but they choose me, because they understand that I care for them, and I am only interested to recommend what I believe is BEST for them.
I declare all the charges involved, and they understand that I am earning a living out of this well honoured profession.
I give them good advice, assisting them in their planning to meet their financial objectives and motivate them to make decisions.
Decisions that they make, and they will live with it forever.
Decisions that they embraced, helping them to meet their objectives.
Decisions that they will appreciate.
At the end of the day. they will look at me and thank me for giving such a solid, yet simple financial recommendations.
I have clients who told me, that “I should have met you 5,10,15 years ago”.
I have clients who asked me. “When are you getting married? Do you have a girlfriend already?”
I have lots of clients who are really very, very good to me. 🙂
The bottom line is all of us are salespeople.
Be it you are a lawyer, you are a teacher, you are an accountant, you are a businessman…. , Come on…..
Touch your heart and tell yourself “I am indeed a salesperson in my profession. My duty is to convince myself, convince the people around me, of my capability to deliver value to others.”
Being in sales is also a honourable profession.
Yes!
I am talking from experience.
I have been in sales since I was a kid.
So do you.
Remember the days when you cried, grumbled when your parents refused to give the toy that you really want?
Remember the days when you are a toddler, being very cute, capturing the hearts of your parents?
Okay.
The verdict ends here.
All of us are salespeople, directly or indirectly.
Sales is a noble profession and no one should use it as a catalyst, to degrade other people’s professions! 🙂
by Helmi Hakim | Nov 27, 2007 | Insurance, Investment, Miscellaneous, Motivation
Okay…
As I promised earlier that I am going to share with you, what I have learnt in T Harv Eker’s seminar.
I share with you, because I want you to learn something useful from my blog, and in the process, I want you to tell all the people whom you care, about this blog….
Tell them to visit this blog occasionally.
I am committed to this social mission of educating the many who support me by reading this blog.
And in return for that favour, I will continually be committed to provide quality information, for you…readers of my blog.
I am committed!
Are you?
The first powerful concept which I learnt is the Money Management System.
I realised that I have this bad, bad habit.
Everytime I earn my money, I will spend it to the MAX!
I will buy this and that.
Everything which I like.
Practically, everything that I can afford to.
Yes!
I am a bad, bad spender, though I advocate the idea of savings as a financial associate.
I love to spend.
And I love to spend till I am penniless!
Everytime, I managed to accumulate a sum of money, I will blew it all away on stuffs that I DONT NEED!
Now, let me ask you a question.
How many of you are guilty as I am?
How many of you LOVE to spend?
Yup… I am very sure there are many!
As when we, a strong group of 5000 participants were told to group ourselves in terms of savers, spenders and monks, MAJORITY of us are SPENDERS!
Its ironic that I, me and myself belongs to that category too!
When the concept of the “money jars” was introduced I was profoundly strucked.
I was strucked by the simplicity yet the effectiveness of the system.
It was madness.
I was practically blown away by the concepts.
Its simple yet effective.
We were told to divide our money, our earnings into 6 important categories.
1) PLAY Account (10%)
2) NECESSITY Account (55%)
3) LTSS Account (10%)
4) EDUCATION Account (10%)
5) GIVE Account (5%)
6) FINANCIAL FREEDOM Account (10%)
Everytime we receives money,we were told to divide our money into these broad categories.
We can open up different bank accounts to segregate our money.
1) PLAY ACCOUNT
PLAY Account is your portion of your money which you will need to use to ENJOY your money.
You can go for a massage, go for spa, go and buy the luxury that you have craved for.
Spend this money like there is no tomorrow.
You can spend this money in the PLAY Account till you drop, without feeling guilty 🙂
2) NECCESSITY ACCOUNT
NECCESSITY Account is your portion of your money which you use to spend your money on NECCESSITIES!
Like food, transportation, accommodation, etc2…
3) LTSS ACCOUNT
LTSS Account is the portion of your money for long term spending like buying a television set, buying car, buying a washing machine, buying a….anything that you can associate to long term use.
I mean practically everything.
4) EDUCATION ACCOUNT
EDUCATION Account is the portion of your money for the use of upgrading yourself.
You can use this to buy books, to go for seminars, to go for workshops, practically ANYTHING that can develop you, can educate you to be a person you want to be 🙂
5) GIVE ACCOUNT
GIVE Account is the portion of your money for you to DONATE your money.
YES!
DONATE your money.
You must DONATE your money.
You don’t have to just donate your money to charity.
You can just give your money to anybody, yes…
I man practically anybody who is in need.
And if you wish to donate more money, since the allocation rate here is just 5%, you can take some amount from your necessity account and donate that portion too!
6) FINANCIAL FREEDOM ACCOUNT
FINANCIAL FREEDOM Account is the account where you SAVED your money for retirement.
You cant touch that money.
In my capacity as a financial associate, what I can recommend is that you can save using our financial vehicles.
We have lots of them, and I can personally do proper recommendations after doing a NEEDS BASED ANALYSIS with you.
YES! Definitely!
I can!
Frankly speaking, I have so much to share and stay tuned in my blog as I will share with you lots of other useful tips that I have learnt from the seminar itself.
See ya soon.
You rockz! 🙂
by Helmi Hakim | Nov 16, 2007 | Insurance
Before you light up the next cigarette, cigar or pipe, consider what harm it can do to your health:
All smokers are at extra risk for
1) Coronary heart disease (e.g. heart attacks)
2) Peripheral vascular disease (circulatory problems)
3) Aortic aneurysm
4) High blood pressure
5) High cholesterol (LDL)
6) Lung cancer
7) Cancer of the mouth, throat and voice box
8) Cancer of the pancreas
9) Cancer of the kidney, and urinary bladder
10) Chronic obstructive pulmonary disease (COPD)
11) Chronic bronchitis
12) Emphysema
13) Pneumonia
14) Influenza (the `flu`)
15) The common cold
16) Peptic ulcers
17) Chronic bowel disease (Crohn`s Disease)
18) Tooth decay (cavities)
19) Gum disease
20) Osteoporosis
21) Sleep problems (falling asleep inappropriately and/or frequent waking)
22) Cataracts
23) Thyroid disease (Grave`s Disease)
Female smokers are at an extra risk for
1) Cancer of the cervix (womb)
2) Menstrual problems
3) Fertility problems
4) Spontaneous abortion (miscarriage)
Male smokers have an extra risk of
1) Erectile dysfunction (impotence)
2) Fertility problems (problems with sperm)
There is also some evidence linking smoking to cancer of the colon and leukemia.
Smoking can also cause wrinkles, creating the appearance of premature aging.
The sense of smell and taste are also reduced.
Fortunately, most of these harmful effects are reversible.
So make a resolution to quit NOW!
by Helmi Hakim | Nov 8, 2007 | Insurance
