by Helmi Hakim | May 23, 2009 | Investment, Miscellaneous
As normal,yesterday, I went for my Friday prayer’s in the mosque and listen to the sermon/khutbah…But hey…..the sermon is about my favourite topic…..
“Managing Family Finances”. 🙂
The khutbah discusses about the importance of managing family finances.
• A well-managed income and wealth will nurture a harmonious family.
• A Muslim should be wise and realistic in planning the family’s expenditure so as to avoid extravagance.
• Saving is one of the best practices to maintain a healthy financial structure in facing challenges in the future.
• To manage family finance effectively, debt and unnecessary expenditure should be avoided.
If you will like to read more, you can download the sermon here! Thanks! 🙂
http://www.muis.gov.sg/cms/uploadedFiles/MuisGovSG/Khutbah/E09May22.doc
by Helmi Hakim | May 21, 2009 | Miscellaneous
Some of you have been querying me on why, I never update my blog for quite some time. 🙁
I am in a process, of re-strategising my business. My blog doesnt make money but it’s taking much of my time.So….. I am thinking.
Should I outsource my blog writeup to ghostwriters, OR just share compilation of articles with authors’ url on it? What do you think?! 🙂
by Helmi Hakim | May 7, 2009 | Miscellaneous, Motivation
My previous post on how to handle negative people, received a fair share of reading. Thank you for those who have emailed me and called me regularly to show your support.
You are deeply appreciated! 🙂
As now, I am undergoing Neuro Linguistic Programming Practitioner (some motivational stuffs) certification course, I will be sharing with you some life skills that I believe will be relevant to your daily life.
Before that…..I have a question for you!
Have you encountered a friend, who speak soooo….sweetly in front of you…smiling….cracking jokes….talking good stuffs…and one day, you happen by the grace of God, find out, that he or she has been badmouthing you all along behind your back?
How will you feel? Betrayed?
If felt like piercing of the heart, slicing it thinly, spreading over the table and grinding it viciously with a sharp edged stone till it melt…..
It is the worst kind of experience that I ever have in my life, but I am thankful to it, because that experience adds in flavor to the already clear glass of watery life experiences that I had thus far.
At least,now, I know, the true character of the person,who have been masking under the shadow of hypocrisy all along.
Waited Solution: Just ignore that hypocrite, act nothing happen, and reduce contact. The more you talk, the more bad things he or she will regurgitate behind your back.
>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>
You see….In our profession as a financial consultant, it is very, very important for us, to surround ourselves with positive minded people.
Who we CHOOSE to surround ourselves everyday, will determine who we are in the future. In NLP, there is this theory called, “Significant Emotional Experience”.
In our life,we have a number of significant emotional experiences. These are events that is easy to remember and will evoke certain emotions when we recall that event.
In NLP, we were taught to create as many POSITIVE significant emotional experiences as possible.
Example, if our team, whenever someone closes a case,he or she confirmed feel very happy. In the team, what we did, is we AMPLIFY his HAPPINESS by CELEBRATING his success TOGETHER! 🙂
We celebrate that moment together as a team. It is a culture imbued, cultivated in our team. Yes…We all celebrate the success together as a team! 🙂
You need to be surrounded by positive minded people because, everytime, you meet success and you share with the people surrounding you, you will receive positive responses.
These Positive Events + Positive Responses = Positive Significant Emotional Experiences
…and you know what? That is GOOD and HEALTHY.
What about negative people or worst hypocrites?
Stay away from them. They are like poison to kill you, without you knowing!
by Helmi Hakim | Apr 12, 2009 | Miscellaneous
I am engaging Bro Hafihz’s expertise to conceptualize a new logo for me and develop a comprehensive marketing plan for me to strategically move forward as a financial consultant in Singapore.
In our collective effort to conceptualize the logo, I have seeked opinions, first few words that comes to my clients’ mind when they think of Helmi Hakim. Here are the RESULTS. 🙂
Nurhasni Khamis: Fluent and professional 🙂
Rahimah Hussan: Trust,knowledgeable,confident and savings
Nurain Mahmood: I think u’re capable to attract pple to b ur client
Nur Sufyan Ghazali: Brilliant, determine, knowledgable, well planned, trustworthy
Nur Hidayah Hairudin: Dedicated, passionate, sincere, professional
Muhammad Nur Tarmidzi Bin Mohamed Refunggi: My first impression was its gonna be those typical insurance thing. But when u explain to me about the savings part, it moved me. Coz during dat point of time, i am looking for a way to save up. And I really2 wanna thank u for helping me out helmi. All the best and may god be by ur side always
Musthfar Abdul Rahman: Service very good because u have update information to me.thank u.
Muhammad Hamdan Abu Bakar: Driven
Mardiana Mahmood: U’re positive guy with excellent service!
Mohamed Jumali Mohamed Juma’at: Friendly, understanding, The guy with a wide smile 😛
Hasima Jaafar: 3 words:good service, satisfied customer,keep it up!
Fauziah Haider: Someone that can help solve ways to save for future ahead
Aryantie: Your hardwork and perservearance did give you the best results
Abdul Hakim Mohamed Amin: Its great to have an experience and trusted financial person like you that can monitor my future
If you are my existing blog readers or perhaps my friends, do post in the comments section below, on The First Few Words That Comes To Your Mind, When You Think Of Helmi Hakim!
I want you to be part of the community to decide on how HelmiHakim.com logo will be like in the near future. Thanks so MUCH! 🙂
by Helmi Hakim | Mar 5, 2009 | Investment, Miscellaneous
As you know, in my profession as a financial associate, I get to do financial planning for a lot of people. 🙂
It is a special privilege for me, as directly or indirectly, I get to see EXPLICITLY on how the rich and the poor managed their finance.
I realised, its not really how much you earned, that matters. Rather, it is how much you SAVED. One of the tools that enables me to see vividly, interpret the current financial standing of my clients, is the usage of cashflow statement.
I feel sad that a lot of people out there, GROSSLY mismanaged their finance….especially the young ones…. (my age group)
They got the concept, “Why need to save? Got money…ENJOY first….Savings? Do it later!”
They dine REGULARLY at places like Swensen, like Eatzy where it is “normal” to pay $30 for a single meal and drink coffee at places like Starbucks, like Coffee Bean where average cup of coffee cost $7. (You can go on weekly basis with your friends and families, but certainly NOT AND NEVER everydayla)
It is OKAY for them to pay to club, enjoying the occasional “booze”, yet “savings” seems like a jargon to the ear.
These detrimental pitfalls are really doing BAD for many. If you are in your 20s, let me elucidate to you, what will soon be your IMMEDIATE financial commitments in the NEAR future. You got to start planning! 🙂
1) Marriage
You need to set aside (depending on your race), at least $30,000 for marriage.
2) House
You need to set aside 20% downpayment for your house. For a 4 room HDB flat which cost $300,000, you need $60,000. You gotta asked yourself, how long will you want to stay with your parents? Come on….
3) Honeymoon
Depending on where’s your honeymoon destination, you gotta plan for it financially. If you dont have money, how to enjoy? You need at least $10,000.
I have not add in other additional commitments, that will just crop out, (married people got more expenses) but just by these “confirm to come” expenses, it already totalled up to about $100,000.
It is EASY to say, save later….enjoy first….be smoothened by instant gratification….So….EASY!!! Let us do simple maths calculation on this amount.
Example you are 23 years old. Want to get married in 5 years. You need to save at least $20,000/year, which is close to $2000/mth. BUT WHAT IF YOU PROCRASTINATE?
You DELAY….and you continue to delay…..The amount that you need per month,simply just gets HIGHER and HIGHER. That is very, very BAD!!!
Come on guyz…..You gotta plan for it! 🙂
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! 🙂
