These few days, I have young couples coming to me seeking financial advice to grow their money at an investment horizon of 1 year.
My heart goes…”huh! xqyety?”.
I asked them… “Why, save only for 1 year?”
Why not 5 years?
7 years?
11 years?
20 years?
Why 1 year….only….?
They looked back at me, with the tint of sympathy and a ray of hope, “We are going to get married soon. We need the money for our marriage which is coming in 9 months time”.
We need to accumulate and grow our money FAST!”
With care and concern, I answered, “I am really sorry. I have no recommendations for you. With such a short time period,you have to save in the bank. I am so so sorry for you. 🙁 ”
They are shocked by my frankness.
With heavy legs, they left me, still thinking deeply, hopeful for aura of opportunity to come for them to accumulate and grow their money fast.
I am glad also that I have managed to convince a few others, young chaps like me, to start to save early.
Let me give you myself as an example.
I am 22 years old now.
Planning to get married at age 28 years old.
I can do 2 things.
1) Start to save now.
2) Start to save later.
In order for me to maximise my savings, and enjoy compounding returns, I have to start now.
Now I save $10/day, $300 a month.
By age 28, I can channel this money for my marriage.
I am telling you because a lot of people are also in my shoes.
You want to save for marriage.
You want to save for that new car.
You want to save for your child’s education.
You want to save for your HDB house.
You want to save for your retirement.
Whatever your objectives for you to save, 1 thing remains clear.
You have to start early.
You MUST start early!
I have shared with hundreds and hundreds of my clients, the opportunity costs involved for starting later.
You dont have to start much.
Yet you have to start early.
You have to start somewhere.
There are really lots of ways to save.
….and one way, is to engage financial associates like us, to advice you on financial vehicles that can maximise your savings potential and at the same time, meet your savings objectives.
Do give me a call if you will like to learn more. 🙂
Helmi Hakim
HP No: 96520134
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…
Everything that we do, every single day, are recurrence that is imbued in us.
The question that we need to ask ourselves, is that, are we practicing a positive or a negative habit.
I “choose” to adopt a positive habit.
Habits is a matter of choice.
You have to be brave enough, courageous to take bold steps to change your negative habits to positive ones.
At times, I feel that my capacity as a financial associate also entails myself as a psychologist.
Some of my clients do not have personal habit of saving money at all.
In fact, I could say most of them! 🙁
I shared with many, of practical methadologies on how they can save money, without feeling a pinch.
I will share with you this powerful, proven, time tested methadology on my following post.
This powerful methadology is a very, very practical way of saving money.
I am already doing it, and all my beloved clients are also doing it too.
…and I assure you, readers of my blog, that you will realise how easy, you can save money with this simple, yet powerful technique.
See ya. 🙂
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…
Hari Raya Haji marks the end of the Hajj pilgrimage period.
Hence it is called the ‘Festival of the Pilgrimage’.
Every year, millions of Muslims make the journey to the holy land of Mecca in Saudi Arabia to perform the Hajj, a requirement in Islam, as it makes up one of the 5 tenets of the Religion.
As long as they have the means to do so, and are able health-wise, Muslims must perform the Hajj at least once in life.
Upon completion of the Hajj, the men earn the title of “Haji” and the women, “Hajjah’.
Aidiladha also commemorates the sacrifice made by the prophet Abraham and hence the word ‘Korban’ which means sacrifice.
The Morning of Hari Raya Aidiladha
On the first day of Aidil Adha, prayers are held at the mosque in the morning.
After prayers, pilgrims new and old will open their doors to visitors and serve them with food, drinks and sweets.
Visitors usually comprise close friends, fellow pilgrims or family members.
Aidiladha is also marked by the sacrifice of animals such as lambs, goats, bulls and camels.
The animals are slain in accordance with the proper religious rites, such that they suffer minimal pain.
An individual or a family will donate the sacrificial animal, and Muslims from a particular community will gather in fairly large numbers to help out in the slaughtering and distribution of the meat.
Recipients include the poor and the destitute and other Muslims.
One third of the meat is reserved for the family or the individual who donated the animal.
It should be noted that sacrificing an animal during this festival is not compulsory but more of an obligation to those who can afford it.
This ritual traces its origins back to the story of Prophet Abraham.
Story Behind Hari Raya Haji
Prophet Abraham was commanded to offer his only son Ishmael up for sacrifice to the Lord.
Though it grieved him greatly, he made ready to perform the task.
However, as he was about to strike his son, God stopped him and revealed that it was a trial of his devotion to the Lord.
Ishmael’s life was spared and a ram sacrificed in his place.
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…
Only now, I know that I have similarities with celebrities…
How about similarities with the top advisors of the finance industry? 🙂
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…
This is just a method you can use to check for counterfeit money.
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…
I am having this bad-bad sore throat, these few days.
Gosh… My voice sounds terrible.
I guess, I have to take a rest and study for my upcoming exams to qualify myself to promote motor insurance.
Wish me for a speedy recovery..
With God’s Will,
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…
A certified financial consultant, Helmi Hakim has won praise for his patience, perseverance and practicality when solving his clients’ financial concerns. For more information on how you can manage your finances better, contact Helmi Hakim at 96520134.
