Alhamdulillah Wa Shukrillah…. I have finally graduated with Bachelor Of Science (Hons) in Banking and Wealth Management, University Of Wales, UK, with first class honours. 🙂
It has been an uphill task thus far, juggling appointments with clients and school, but a rewarding and satisfying one.
I have made great friends along the way and learnt what it takes to be an empathic, professional and competent financial planner. Now, I have the time and resources to share what I learnt, and apply it fully onto my 600+ clients. Till then, I shall wait patiently, for our convocation in November 2013. Insya’Allah… 🙂
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…
Its already 3am here, and I’m struggling to sleep. I guess, it is because of the caffeine from the redbull, I drank for my run just now.
Seriously…I can’t sleep, so I feel, it is best, that I update my blog on my developments for year 2011. itistheraphyforme andlotsofpeoplewanttoknow
1) My book, “You Can Be Your Own Financial Consultant In Singapore”
Some of you, might be asking. What happened to the book, which I have written and intend to publish?
My Answer: I have completed it.
Yet it is a business decision for me, not to publish it right now. To publish it, and get it circulated all over the local bookstores in Singapore is EASY. Just pay $4000, and everything settled. I choose to garner more credibility,and exposure first, and then proceed with my game plan.
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2) Bachelor of Science (Hons) in Banking and Wealth Management
In another 2 weeks time, I will be starting my part time studies. I will go straight to second year, because, I have a finance diploma. I have Diploma In Accountancy from Ngee Ann Polytechnic and have 3 years working experience as a financial consultant.
The reason, why I choose this degree program, as opposed to others, is because I LOVE the modules, available for me. The modules are practical, and things that I can apply immediately. One of it, is Islamic Banking and Finance….
80% of my clients are Muslims, and having the expertise, will thus help me, better assist my clients in the financial planning process, in accordance to Shariah ruling.
That is all for today….My body is aching…..Need to rest well…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…
In this peaceful night, I seek your forgiveness for all the sins that I have committed in the past, in the present and in the future….
I seek forgiveness for my shortcomings as a Muslim….
I seek forgiveness for my shortcomings as a trusted financial planner….
and I seek forgiveness for my shortcomings as a humbled human being…
Ya Allah…….In the upcoming days to come, I will have very big tasks that I need to undertake….I will travel the most uncommon routes that most have yet to uncover….I will carry the deed that I deemed impossible,just a few years back…..and I will lead the significance with utmost glory.
……but yet, deep down in my heart, I am scared. I am afraid and I am doubtful.
I feel small….I feel minute with the insurmountable tasks ahead.
I felt like an insignificant being, trying to make significance out of sheer dust….and here I am God….I need your help….
Ya Allah…..I pray for your ultimate blessings to make me a stronger person to heed the challenges ahead, partnered me with the best in the industry in the world and instill confidence in me to challenge the norm to make the world a better place to live in….
In the upcoming year to come, I seek your utmost blessings in guiding me to fulfil all the goals, the aspirations that I have set for myself…..
Make me strong….Make me tough….and make my will to persevere, contagious that people, from all walks of life, just come…to support me in facing the giant tasks, that has been anticipated ahead……
I know….I know….It is not going to be an easy effort…..yet I know….I know….It is going to be an effort, that is worth pursuing….
That is why God….I am moving ahead, with all the remnants of willpower, I have….moving…. moving….and moving ahead…..
Make 2010, a historic, memorable year for me Ya Allah…..Amin….Ya Rabbal’alamin…..
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 sure, all of you, reading my blog, have a portfolio of insurance, savings and investment policies.
Some of you, may have a manageable 3 or 4 policies. While some, have more than 10. My question to you right now is,”Do you know EXACTLY what you are having?”
Do you know, when you can claim and when you cant from your insurance policies?
Do you know, whether if your critical illness coverage is enough and what is the shortfall?
Do you know, how much you need for your retirement, child’s education and the shortfall/excess that you have?
…or simply put across, do you know, what is the PURPOSE of you getting the policies that you currently have???
The only solution to these, is having YEARLY FINANCIAL REVIEWS.
In a span of 2 weeks, I met 2 clients with tragic stories…
1) Father In Law Cannot Claim Hospitalisation Insurance plan
I did a financial review for my client just now. She also brought her father’s in law policy from a different company, for my interpretation.
She asked me, “My father in law going for heart by pass surgery next week. I check with the claim’s department of X company…They say cannot claim…Can you interpret the policy document for me?”
I interpret for her, realising while the policy owner of the hospitalisation plan is her father in law, the insured is her MOTHER IN LAW… Her father in law does not have any hospitalisation coverage.
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2) Client and his family think he got a death coverage of $300,000
Last week, I met my prospect at his home and he get hospitalisation plans for himself and his family.
I enquired him on his coverage, in case, death, total and permanent disability or critical illness were to strike. How much will his wife, 2 sons and 1 daughter get?
He looked at me confidently and said, “No worries. Anything happen to me, my family will get $300,000…”
I felt relieved, because, as he is earning a takehome pay of $2,500/mth, $300,000 will be adequate. Nevertheless, I asked for all his policy documents for me to help him “refresh” on the existing plans he has.
To my surprise, I realised he only have $30,000 of coverage in case of death. His family will only get $300,000 if he DIED DUE TO ACCIDENT…
You can imagine, the look at his face…For many years, he has been telling his wife, in case of death, “you will get $300,000″….
Call me up at 96520134. Let me help you…Insya’allah… 🙂 🙂 🙂
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 very sure, most of you reading this blog now, have life insurance policies in your portfolio. (if not,call me)
You get insurance for various reasons.
Some for income replacement (in case, death, total and permanent disability or critical illness happen, familiy get money)
Some for assets protection (in case, death, total and permanent disability or critical illness happen, your house mortgages will be taken care off).
and some will just use the cash valued insurance policies as a SAVINGS PLAN to form part of their retirement needs.
This video will share with you, how exactly hospitalisation insurance works. Enjoy! 🙂
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.
