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Call Us Today!
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Let’s Move On….

by | Nov 19, 2008 | Miscellaneous

It is 2 am in the morning now.

…and I am yet to be on bed, sleeping.

Someone pissed me off just now, with some remarks that I simply cannot swallow.

Some people say that words can be poisonous, and I subscribe to that school of thought dearly.

I feel the inch of pain piercing through my heart, oozing red blood off my soul.

I wish, that I can just let it go, but the pain seems too dominating, puncturing my fragile ego.

I feel so hurt, and drain off emotionally.

I feel exhausted, just by thinking of what was said.

At this time, I feel the theory, that I have been advocating, comes to play.

E + R = O

Event + Response = Outcome

Yes… I am seriously hurt by the remarks created by that someone.

Yes… I will and must choose to let it go and flow, far, far away….

Life must goes on….

Cheer up, Helmi… Your journey has just begun…..

 

p.s. By the way, if you wish to discover a simple & halal way to create a positive monthly cashflow and calculate your net worth for FREE, then please click here…

What Constitutes A Binding Contract That You Cannot Run Away From?

by | Oct 29, 2008 | Insurance, Investment, Miscellaneous

Time do fly very fast.

…and I realised, I have contributed over 200 posts in this blog.

Phew…I feel that is really a feat.

It is very easy to create a blog, but to maintain it, you need patience, you need energy and you need a DIEING INTEREST to share your knowledge with the public.

Today’s post, I will like to share with you on what is a contract and what constitutes a contract.

I remembered learning about contractual law while studying one of my favourite modules, Business Law back in Ngee Ann Polytechnic and I revisit this this theory again, while studying for my (BICP) Basic Insurance Concepts and Principles examination.

…and now,I am taking my first module for my CFP course, Foundations In Financial Planning, I am visiting this concept again.

So…again, what exactly constitutes a VALID contract?

For a contract to be valid, there must be 4 things.

1) Offer
Example: I OFFER you to take up insurance.

2) Acceptance
Example: You ACCEPT by signing the contract.

3) Intention To Create Legal Relation
Example: You understand that I am your FINANCIAL ADVISOR and you are my CLIENT.

4) Consideration
Example: You pay the premium to me in EXCHANGE for your coverage.

So in order for a contract to be legally binding, these 4 elements must be imminent.

Any one of the elements missing, the contract is VOIDABLE.

Think of all the contracts that you have signed…. Is it binding? 🙂

 

p.s. By the way, if you wish to discover a simple & halal way to create a positive monthly cashflow and calculate your net worth for FREE, then please click here…

Blog,In The Midst of Transformation…

by | Oct 6, 2008 | Miscellaneous

As you can see,these few days,you have been witnessing a REVOLUTIONARY change in the design of HelmiHakim.com

I am GLAD and HAPPY with the help rendered by Bro Hafihz in bringing this blog to a new level. 🙂

A lot of changes is coming our way,NEW office, NEW blog design,NEW hari raya clothes NEW girlfriend…

and I am 97% DONE in developing the “Powerful Thoughts To Make You Rich” email system as a follow up methodology for all my clients.

Its 3 more months MORE and we will celebrate NEW YEAR.

Let us all work together to ensure that we accomplished our 2008 GOALS and aspirations.

Ameen! 🙂

 

p.s. By the way, if you wish to discover a simple & halal way to create a positive monthly cashflow and calculate your net worth for FREE, then please click here…

Selamat Hari Raya Again…

by | Oct 3, 2008 | Miscellaneous

I guess, you know that we,Muslims celebrate Hari Raya for 1 month, SOLID….

I just shifted, into my new office in Woodlands Civic Centre and I feel the “Hari Raya festive mood” very dominating…

Feel like going home,watch TV and relax.

hahahah….Selamat Hari Raya again to all Muslims. 🙂

103151 Th

 

p.s. By the way, if you wish to discover a simple & halal way to create a positive monthly cashflow and calculate your net worth for FREE, then please click here…

How To Handle Negative People?

by | Sep 30, 2008 | Miscellaneous

In life, you get to meet 2 types of people.

1) Positive People

2) Alien Negative People

Those of you who know me, from my writing in this blog, you know, I am a SUPER POSITIVE person. 🙂

I always emphasize, that if you want to be successful in life, you must CHOOSE to surround yourself with POSITIVE people.

NEGATIVE people?

You must learn how to MANAGE them. If not you will be mismanaged

Today, I am going to dissect, a real life example, on how a positive and negative person responds to an event. name has been omitted for privacy issue

Then, you will know, why I advocate so much, the importance of surrounding yourself with positive people.

POSITIVE people shares POSITIVE energy.

Negative people stinks with negative energy.

You CHOOSE who you want to associate with!

Statement

Positive Person Response

Negative Person Response

1)      I am going to invest in SRS account, to reduce my chargeable income by $10,000.

Wow… That is a brilliant idea! How do you do that?

Your salary got so much meh? I only earn at most $2,000 a month.

2)      I just created a blog to share financial planning tips for the public.

Great! I will also like to create a blog like yours!

VIRUS! Your blog no good.

3)      I am featured in a recruitment magazine.

Wonderful. You are good in your public relations.

Your smile looks so fake!

4)      Lets start work at 9.30am.

On ah…We’ll work together.

Aiyah….So early..

5)      I am expanding my clients profile to the PR market.

Good. Same like me. Play by your strength.

Aiyerrrrr….(with disgust look) No good.

6)      I just close a $300/mth case.

Congrats…How do you do it? 🙂

The person got work or not?

7)      (When I get so much rejection, and look rejected)

Come on, Helmi, you can do it! (in an encouraging tone)

Why?  You not happy other people close case,izzit?

8)      I am taking my CFP program,so that I can do better financial planning for my clients.

Great. We must continue to upgrade ourself.

All these, you DON’T need. (..and he will look at you like, he knows everything)

9)      After I complete my CFP program in 3 years,I am going to help the community by writing a book on financial planning.

Yes. You can do it.

No. You cannot. You don’t have the experience.

………………………………………………………………………………………………………………………………………….

Yeah…It’s REAL LIFE situation.it is not fairy tale

Okay…So now, we know, we establish the fact that, we cannot avoid NEGATIVE people ENTIRELY.

They are everywhere.

They will criticise you, try to bring you down because of their OWN comfort zone.

They are not “comfortable” when you work harder to attain greater success than them.

Negative critics and comments were bottled out, to pull you back to THEIR comfort zone which is not to attain success.

So…. WHAT CAN YOU DO?

Well, remember, the formula, I advocate, E+R=O.

Event + Response = Outcome

Hmmm, seems you heed my advice, and you  tried your best, to think POSITIVELY, yet you still feel that their remark HURTS so much.

Try this wonderful tip, I learnt from an Asian netpreneur,Dr Irfan Khairi in his Malay motivational book.

When other people criticize you, either in front of you,or behind your back, you….

Forgive

Forgive them.

FORGIVE THOSE WHO CRITICS YOU, because they do not see your effort in upgrading yourself, for the near future. After you FORGIVE them, continue your effort to reach more success.

I guess, if you read, Western motivational articles, you will see them lambasting negative people.

Yeah… Lets CHOOSE the Asian approach. 🙂

So next time, when someone utters something negative to you,just FORGIVE them,and continue to work hard to achieve greater success.

It will lift off the burden load from your shoulder and you will feel more enthusiastic,more energetic, refresh to continue your MISSION to be successful in every of your endeavour.

TRY IT! 🙂

 

p.s. By the way, if you wish to discover a simple & halal way to create a positive monthly cashflow and calculate your net worth for FREE, then please click here…

Selamat Hari Raya,Maaf Zahir Dan Batin

by | Sep 29, 2008 | Miscellaneous

Finally, the month of Syawal,the day, Muslims around the world celebrate Hari Raya, has arrived.

I will like to wish all my friends, my clients, everyone reading this blog at the moment, Selamat Hari Raya, Maaf Zahir Dan Batin.

This is not only the time for celebration.

This is the time where Muslims seek forgiveness from each other especially for those who has been gossiping behind others back, repair strengten our relationship and grow together.

…and YES!

Finally….Takbir! 🙂

 

p.s. By the way, if you wish to discover a simple & halal way to create a positive monthly cashflow and calculate your net worth for FREE, then please click here…