Recently, a number of newly weds came to me asking my professional perspective on coverage against death, total & permanent disability and critical illness.
They feel a sense of responsibility. They are concerned for their loved ones should anything happen to them.
To me, this is GOOD news.
Because it reflects ONE THING.
It shows that the level of awareness on the needs for wealth protection in our Muslim community in Singapore has INCREASED significantly over the years.
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As we all know, all of us work to earn an income.
Income to feed our family.
To pay for our food.
Our housing mortgage installments.
Nafkah for our wife.
Allowance for our parents.
Basically to pay for our expenses.
We use our INCOME to pay for our living EXPENSES.
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What if one day we are no longer around ?
What if one day, we are totally crippled?
Totally paralyzed.
Not able to move at all?
What if critical illnesses were to strike?
Our Living Expenses will CONTINUE.
But Our Income will most likely STOP!
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Thus, today, I am going to share with you aspects on wealth protection.
I want to share with you…
. 5 Ways On How You Can Protect Your Wealth, The Shariah Compliant Way in Singapore.
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1) Be Healthy By Watching Your Diet
The Arabs of old said: The stomach is the home of diseaseand restraint is the basis of the remedy.
To me.
Fasting is the Answer.
I personally love the month of Ramadan.
After our stomach that has been working hard for the 11 months, Ramadan presents an opportunity for our stomachs to rest.
Other than the month of Ramadhan where we not only fulfill our religious obligation and get to rest our stomach,
I do my best to fast on the recommended (sunat) days in Islam.
I have created an infographic below that I personally use to take note of the recommended (sunat) days to fast.
Other than exercising restraint in my tendency to overindulge, it gives me an opportunity to accumulate good deeds (pahala) for the akhira in the future.
Other than fasting, our beloved Prophet Muhammad (Please And Blessings Be Upon Him) has taught us the formula for moderation when we eat our food. We should fill our stomachs with 1/3 of food, 1/3 of drink
And leave 1/3 for breath.
Prophet Muhammad (Please And Blessings Be Upon Him) said:
“No human ever filled a vessel worse than the stomach. Sufficient for any son of Adam are some morsels to keep his back straight. But if it must be, then one third for his food, one third for his drink and one third for his breath.”
Our body is an amanah from Allah S.W.T. on this earth.
We have to take great care of it by exercising regularly.
All of us know exercising is important.
It keeps us in shape. Makes us look better.
Makes us look younger.
Boosts our energy.
Help us lose weight and of course, lower risk of some diseases.
Most importantly, it keeps us alive.
A lot of people are rich. But what is the meaning of wealthwhen you can’t enjoy that plate of nasi minyak with rendang and ayam masak merah?
Or that slice of durian D24?
Because you are sick.
What is wealth when you don’t have the energy, the stamina to play “police and thief” with your children?
Panting.
Gasping for air just by chasing them around your house?
Safeguard your health by making time to exercise while you enjoy your wealth.
3) Be Healthy By Quitting Smoking
When I draft up the cashflow statement for my prospects.
Especially those heavily in debt, I like to narrow down to how much they can SAVE if they quit smoking.
Smoking is a very expensive habit in Singapore.
1 package of Marlboro cigarettes in Singapore is SGD$14 (I Google-d for the info)
$14 X 30 days = $420/mth
$420/mth X 12 months = $5040
That $5040, you can use to enjoy going on holiday to Europe with your loved ones.
(Pictures of me conducting Quit Smoking Campaign organised by Health Promotion Board)
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Besides that, smoking is bad for your health.
Smoking can cause fatal diseases such as pneumonia, emphysema and lung cancer.
Yes. Think about your love ones.
Seek help. Protect your wealth by being healthy.
Take the first step to quit smoking today.
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4) Hijama Cupping (Bekam)
This is something I personally do twice a year to remove toxic blood from my body.
(You can get a qualified Hijama specialist to assist you with this)
Hijama Cupping Therapy is a Sunnah of our beloved Prophet Muhammad (Peace and Blessings Be Upon Him)
Prophet Muhammad (Peace and Blessings Be Upon Him) said:
“Cupping is the most helpful procedure for human beings to cure themselves.”
(Sahih al-Bukhari 5357)
The importance of hijama in the divine guidance can further be stressed by the following words which were related to the Prophet SAW on the night of Israa (ascension to the heaven) by angels:
“O Mohammed, encourage your ummah (people) to do hijama (cupping)”. – Saheeh, Sunan Tirmidhi.
Abdullah ibn Abbas (may Allah be pleased with him) reported that the Prophet (Allah’s peace be upon him) said: “I did not pass by an angel from the angels on the night journey except that they all said to me: Upon you is cupping (hijama), O Muhammad.” [Saheeh, Sunan ibn Majah]
“The best medicine with which you treat yourselves is cupping, or it is one of the best of your medicines.” Or “The treatment for you is cupping.” [Bukhari: 5371]
5) Have a shariah compliant critical illness plan in place
A Malay proverb says, “Kita merancang, tuhan menentukan.”
We can plan on protecting our wealth by being healthy. By being fit.
Plan whatever we want.
Yet as Muslims, we believe in the 6th Pillars of Iman, Qada and Qadar.
If things are to happen, they will happen.
By the will of Allah S.W.T.
That is why after making Doa to Allah S.W.T.
and taking appropriate actions to maintain our health, we need to have contingencies in place.
Our family is an amanah from Allah S.W.T.
We need to take care of them. We need to have Plan B, in case Plan A doesnt work.
We need Halal insurance in Singapore, as part of our contingency plans if things happen.
Halal insurance in Singapore provides you with 2 pillars.
Firstly is Income Protection.
We earn Income to pay for our mortgage loan, our car and support our family.
Should death, total & permanent disability or critical illness were to strike, your income will STOP.
Yet, most of your expenses will continue.
Family needs to eat.
Utility bills still need to be paid for.
Who is going to fund that if you no longer earn an INCOME?
Halal insurance in Singapore will help you and your family.
Proceeds from Halal Insurance will help to pay for your living expenses, should death, tpd and critical illness were to occur.
And.
Alhamdulillah. If nothing happens.
If you are perfectly healthy. Perfectly OKAY during your retirement age.
Good News for you.
The plan has cash value.
You can choose to liquidate the money from Halal Takaful funds and use it as part of your retirement.
In short, Halal Insurance provides you with 2 pillars.
Protection and Cash Value.
My mentor used to tell me, “The difference between a poor old man and elderly gentleman is INCOME.”
You don’t want to depend on your children to fund your retirement goals.
You want to be proactive. You want to take charge of your life. Halal Insurance in Singapore is the solution! 🙂
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Now… I hope you have benefited from my sharing.
If you are seeking a mentor, coach, consultant to share with you practical aspects on howyou can protect your wealth using Halal Insurance in Singapore
OR
save, accumulate and grow your money the shariah compliant way in Singapore, I am always ready to help you.
Alhamdulillah… I was invited to Google Dance Singapore 2018recently.
It was an awesome event.
I was very excited to learn from the panel of experts on how to promote Islamic Finance in Singapore using the internet.
At the same time, I was eager to explore the Google HQ office at Pasir Panjang.
I heard many good stuff about Google’s work culture and their creative office.
And feel very privileged to also be invited for a tour! 🙂
I snapped too many pictures. If you would like to see how Google Singapore office looks like, click here to view them on my facebook page!
In this post I want to share with you 3 Things I Learnt From Google Dance 2018…..
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1) Technology Saves Business Cost
During the session, I learnt about lots of cool gadgets, apps, software and hardware that can drive up profitsand help save business cost.
I learnt how Google Bot works.
(Cute little Google Bot, a memento I received from the Google Search Team)
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I learnt about Google Search Console (if you are a web developer, this tool is relevant for you)…..
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However, most importantly, the one that caught my attention and AMAZED me the most is
Tilt Brush by Google.
This technology blew me away.
Tilt Brush by Google allows you to express your creativity by drawing in 3D. very atas
View this video to understand how it works. 🙂
I usually use the Illustrator app on my Ipad to draw and also to take notes.
But now.. to be able to enter another world….
virtually.
And draw on 3D is simply SPECTACULAR! 🙂
Never in my mind, I thought of entering another visual world and having FUN. Painting rainbows with virtual brushes.Expressing my creativity. Building a safe refuge.Creating a world of my own. How wonderful is that?🙂
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Then I started to think about practicality. About pragmatics.
Okay. This gadget is cool.
But how exactly this technology can be USEFUL in our REAL world?
I do understand that this technology may be helpful for developers, developing virtual 3D games.
But how is exactly useful for common people like us?
Basically, how can this be a practical business application? ………………………………… ………………… …….
I spoke with one of the participants.
He mentioned that there is a cleaning company in Singapore that leverages on this technology.
All of us know that the employment turnover rate in the cleaning industry is HIGH at 30-40%.
Before the cleaners were deployed, they need to be trained. That is $$$.
They need to be trained by in-house qualified trainers. That is $$$.
The in-house qualified trainers also have to be trained. That is $$$.
When the cleaners leave the job, another new one comes in, also need to be trained. $$$again.
Trainers also leave and when new trainers come in, they need to be trained. $$$ and more $$$ needed again!
So what the cleaning company did is they created a SYSTEM leveraging on such technology.
New cleaners will wear such gadgets as above, and be trained to clean in the virtual world.
At the end of the session, they will have to take a test in the virtual world and PASS the minimum scores.
To my mind, this is brilliant way for the cleaning company to save business cost! 🙂
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2. Robots cannot replace humans completely
Someone asked the panel of experts about Google Robots.
He asked some technical questions that appear gibberish for me.
I’m not a technical person.
Html, C++, Javascript codes.
I know nothing of it. Serious.
He asked how to befriend the robots through coding of websites.
What the panel of experts shared was simple yet profound.
The panel of experts told us to focus more on users’ experience.
When you write a blog post (like mine), don’t write like you are communicating with a robot. Write as if you are communicating with your friend.
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If your friend or your target market read your blog post, and they feel OKAY. Google Bot will also feel OKAY.
If your friend or your target market read your blog post, and theyDON’T FEEL OKAY.
Google Bot will also feel NOT OKAY.
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The panel of experts also mentioned about chatbots.
Chatbots are basically like virtual human beings, programmed to ask and answer questions from prospects or clients.
How some developers designed their chatbots is that they just take ALL the questions from survey forms and program it as automated questions to ask potential clients at the chatbots.
Questions like..
-what is your name?
-what is your age?
-what is your gender?
-what is your house address?
-do you smoke?
-what is your highest qualification level?
You know what? It is super duper boring.
The panel of experts suggested us to add human elements. Personalise our message.
Make the robot as human as possible.
Again. Make the robot as human as possible.
To me, this is cool.
Because it only means 1 thing.
It only means that human beings are still needed on this earth.
If you are in the service industry, this is GOOD NEWS for you.
Human beings still want to deal with other human beings. Robots are just good for simple, repetitive and mundane tasks.
ROBOTS CANNOT REPLACE HUMAN BEINGS COMPLETELY! 🙂
They can help us make our jobs easy.
But never, ever replace us completely.
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3. Your network is Super important
During the event, I gauged that almost 60-70% of the audiences came from overseas.
Vietnam… Malaysia, Thailand… Indonesia… Japan..
I made friends with a number of them.
And still maintain contact.
I have a quote that I think hold relevant in today’s competitive business environment.
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. “Excellence of yesterday is a commodity today and will become obsolete tomorrow.”
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Which means: Something that is so unique, so enterprising,
so powerful yesterday, has become normal or baseline standards in today’s context.
And my favorite solution to prevent our business from being a commodity.
Or worst… Obsolete.
Is to reinvent ourselves by networking and continuously learning from people from other countries.
From other fields. From other industries.
Because.
They know something what we don’t. And we know something that they don’t.
If I find something that works super well in other countries.
I always think, if that same stuff can be apply in my business in Singapore.
Boyyyyy….. Google Dance provided me the platform to network with other brilliant IT/marketing practitioners.
I learnt from them lots of cool apps, gadgets that I can’t wait to implement for my business.
Super awesome stuff that can help my clients achieve the financial goals that they want to achieve.
Using tools that never come across my mind before.
…And yes, that is why your network is super duper important.
There is a saying, “Your network = Networth”.
I embrace that idea completely.
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I hope you learn something valuable from my sharing.
In my capacity as a financial consultant, I devote time, energy and a lot of resources to perfect my craft.
If you are seeking a mentor, coach, consultant to share with you practical, UP TO DATE, and modern ways on how you can save, accumulate and grow your money the shariah compliant way in Singapore, let me do the heavy lifting for you.
And Dato Seri Anwar Ibrahim is now freed from prison.
I have mixed feelings about the new political landscape in Malaysia. And I am not going to comment much.
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Today, I would like to share more on POSITIVE change that you can do to bring YOUR FINANCESto a whole new level! 🙂
As some of you might have known, I have a mini ‘library’ in my house.
And I just finished reading the book, “The Rules of Wealth by Richard Templar”.
As I flipped through it, I saw many gems of info which can bring CHANGE.
Can transform your finances for the better.
And Alhamdulillah, I’ve decided to put a shariah compliant swing to some of the tips in here. 🙂
Sometimes, when I meet my prospects, they tell me that they want to be rich.
They want to be wealthy. They want to be happy.
Yet, when I probe in further, I realise that quite a number of them have a negative money mindset.
Negative beliefs about money.
Some examples.
Money is the root of all evil.
Money is dirty.
I don’t deserve to be rich.
Money is only made by the greedy and dishonest.
It is somehow better to be poor.
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In my mind, if you have negative beliefs about money on a subconscious level, it is difficult for you to be rich.
You are self sabotaging yourself from not achieving financial success.
You cannot be the things you don’t like.
In fact, if you read about “Law Of Attraction”, you know if you think negatively about something, you will attract more negative things in your life.
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If you think Money is the root of all evil. You think money is dirty.
You think you don’t deserve to be rich.
You think money is made by the greedy and dishonest.
Or you think it is somehow better to be poor.
That is going to happen to YOU!!
So what I want you to do is to CHANGE your negative money mindset to positive money mindset.
CHANGE to
Money is OK.
Wanting money is OK.
I am prepared to put in the work.
I am going to be wealthy and generous Muslim/Muslimah.
Every step I take in my work is an ibadah.
9 out 10 doors of rezeki comes from business.
“The upper hand is better than the lower hand, the upper hand being the one that gives and the lower hand being the one that receives.”
Source: Sahih Muslim 1033, Grade: Sahih
The first step to achieving wealth is to change your money beliefs.
But if you have negative money mindset, it becomes difficult for me to help you.
Change your money beliefs now! 🙂
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2) Change by understanding wealth is a consequence and not a reward
In The Rules of Wealth, Richard Templar mentioned for us to Understand that Wealth is a Consequence, not a Reward.
It means as a consequence of you working hard at making money, you stand a better chance of becoming rich.
I agree with this statement.
‘Man Jadda, Wa Jadda’ whoever strives shall succeed.
After you make doa to Allah S.W.T.
Devise strategies to achieve your goal. YOU HAVE TO TAKE MASSIVE ACTION and innovate yourself to success.
There is no shortcut to financial success.
You don’t get the money by a committee who examine whether you deserve it or not, whether you have been good enough or not. As Richard Templar said that we are paid for our ‘clever thinking’ and ‘hard work’.
Clever thinking.
And hard work.
The harder and smarter you work, the more you will earn.
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There is a car cleaner in England who charges £5000 per car wash.
His name is Paul Dalton.
His niche is in cleaning supercars.
He is dubbed the BEST CAR CLEANER IN THE WORLD! 🙂
He did not get to charge £5000 per car wash by fluke.
He is rewarded for his meticulousness.
His savviness for selling his services.
Years of experience and his courage for approaching high net worth individuals to offer his services.
And not to forget, his clever marketing skills.
As a consequence to his hard work, thinking and marketing skills, he gets to charge £5000 per car wash.
So remember.
Doa + Hard Work + Clever Thinking = Positive Wealth Consequence
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3. Change Your Loans and Debts Into Cash
Richard Templar suggests that “The very first thing you need to do on your wealth quest is to get loans/debts paid off as soon as possible and do nothing else until that’s done.”
I agree with him. 🙂
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Some people asked me, “Helmi. Some debts can be Good Debts. Some debts can be Bad Debts.
Why do you want to be DEBT FREE?”
My answer is simple.
This is because currently, there is NO shariah compliant financing facility in Singapore.
To buy a house. To acquire working capital to run your day to day business operations.
There is none.
No Shariah compliant financing facility in Singapore.
There is why I CHOOSE to buy in cash.
And as a Muslim, I DO NOT WANT to associate myself with debts that includes riba (interest).
In the Quran, chapter 2, verse 275,
“Allah has permitted trade and has forbidden riba”.
That is why if I have a loan with interest, I target to clear it asap.
Bi’iznillah…
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Richard Templar also said: “Debt bogs us down and holds us back.”
I see Riba as chains to my leg that prevent me from realising my fullest potential.
Reason being, when I make money, I want the baraqah that comes along with it.
That is why, every single step in my financial planning process, I took great care to ensure that it is shariah compliant.
Because we want to get baraqah. Blessings from Allah S.W.T.
Let me share with you a little secret. If you always feel insecure. Always worry about something.
Come back to Allah S.W.T.
And especially when it comes to problems with your personal finance.
Understand this.
Baraqah will save you! 🙂
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4. “Don’t envy what others have.”
Richard Templar says that we shouldn’t envy others, but LEARN from them.
When he meets someone incredibly successful, he will do his best to find out how the person did it , and whether the method will suit him.
This is an empowering attitude to have.
Most of the time, if we know the level of hard work.
Rejections.
Failures.
Mistakes.
Criticisms. All the sacrifices that these super successful people go through. We might not envy them much!
In Islam, every one of us is BLESSED differently.
Thus, there is no point envying someone else who is richer.
Smarter.
More popular.
Or better looking.
When we envy others, we are counting other people’s blessings instead of our own.
Malay says, “Rezeki masing masing.” 🙂
Allah S.W.T. said in the holy Quran, Surah An-Nisa, Chapter 4, Verses 32.
“And wish not for the things in which Allah has made some of you to excel others.
For men there is reward for what they have earned, (and likewise) for women there is reward for what they have earned, and ask Allah of His bounty. Surely, Allah is Ever All-Knower of everything.”
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You must do the best that you can, using all your abilities and resources which Allah S.W.T. has given you.
It is an amanah for you on this earth.
After you do your best and if some people are still doing better than you in life.
then you must make doa to Allah S.W.T.
BUT never, ever feel envious of others who are doing better than you.
You must have full belief in Allah that whatever you do.
You will have reward of it from Allah S.W.T.
The reward may be in some other way if it is not the way that you expect it to be.
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5) Get some money mentors
Richard Templar advocate having money mentors.
I strongly agree with him.
Above is a drawing that I always present to my clients and friends.
There are 2 ways for you to achieve your goals.
First without a mentor.
Second WITH a mentor.
Your journey from Point A to Point B.
With a mentor, he/she can guide you and will make the difficult journey EASIER for you.
Which do you choose? With or without a mentor? 🙂
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I hope you learn something from my sharing.
My mantra in life is simple.
“When you stop learning, you stop earning.”
“You have money. You don’t have money. The feeling…is different.
Take charge of your personal finances today!”
Now… If you are seeking a mentor, coach, consultant to share with you practical aspects on how you can save, accumulate and grow your money the shariah compliant way in Singapore, I am always ready to help you.
Today is the 12th day of the Islamic month of Rabi’ al-awwal, which is our beloved Prophet Muhammad (Peace Be Upon Him)’s birthday.
We, Muslims believe that Prophet Muhammad (Peace Be Upon Him) is the last and final messenger of God.
Since young, when I read the seerah of our beloved Prophet, I am amazed at how much that we can learnt from him.
And today, I will like to touch specifically on 7 Good Business Habits of our beloved Prophet Muhammad (Peace Be Upon Him).
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1) Trustworthy (Al Amin)
Our beloved Prophet Muhammad (Peace Be Upon Him) was involved in trade since his early adulthood.
And he quickly gained the title Al-Amin (the Trustworthy).
Then he came under the employment of a well known businesswoman named Khadija bint Khuwaylid.
He was recommended to her by his uncle, Abu Talib.
“If you had requested this for the sake of a loathed stranger, I would have agreed. How can I refuse when it is for an honorable acquaintance?” she had said to Abu Talib, for she was also familiar with Rasulullah’s reputation.
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In Islam, we learnt that 9/10 of sources of rezeki (income) can be derived from business activities.
And in running our own business, we also seek the baraqah and redha from Allah S.W.T.
To get baraqah and redha from Allah S.W.T. in business, we need to have good character. We need to be Trustworthy.
It’s very easy to be greedy in trade, which is why a lot of cheating, cutting corners, riba and exorbitant pricing happen.
So if you want to seek baraqah and redha from Allah S.W.T., follow the steps of our beloved Prophet Muhammad (Peace Be Upon Him).
Being transparent, truthful and trustworthy is the first step to gain the trust of your clients and running a successful business.
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2) Always give salam to your customers/prospects
Abdullah ibn Amr (may Allah be pleased with both) narrated that a man asked the Messenger of Allah (Peace be Upon Him) regarding which aspect of Islam was better.
Prophet Muhammad (Peace Be Upon Him) replied:
“That you feed (others), say the greeting of salaam to those whom you know and those whom you don’t know”.
Start with, “Assalamualaikum” greetings with your clients and even with your prospects who you don’t know them personally.
“Assalamualaikum” means “Peace Be Upon You”.
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3) Smile
Smile is sunnah of Prophet Muhammad (Peace Be Upon Him).
Abdullaah ibn Haarith said, “I’ve never came across a person who smiled as much as Prophet Muhammad. Prophet Muhammad regarded smiling to a brother as an act of charity.”
Smiling is like a magnet that attracts rezeki for business people.
The more we smile, the more people will like us.
And we will also attract positive vibes and cheerful customers in our business. Insya’Allah. 🙂
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4) Avoid appointments during solat prayer time
“Verily, As-Salaah (the prayer) is enjoined on the believers at fixed hours”
[al-Nisa’ 4:103].
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Personally, I do my best to avoid my financial planning consultations during solat prayer time.
Subuh @ 5.28am
Zuhur @ 12.53pm
Asar @ 4.16pm
Maghrib @ 6.54pm
Isyak @ 8.07pm
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5) Doa
Prophet Muhammad (Peace Be Upon Him) said “Dua is the essence of Ibadah (worship).” (HR At-Tirmidzi)
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As Muslims, we believe that there is no middle man between God and his slaves. Any help we need, be it in business or life, we are to call unto him directly.
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God tells us:
“And your Lord says, Call upon Me; I will respond to you.” Indeed, those who disdain My worship will enter Hell [rendered] contemptible.” Quran 40:60
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And these are the 3 most mustajab time to make doa.
The Last Third Of The Night
Abu Hurairah (RA) narrated that Allah’s Messenger (SAW) said:
‘In the last third of every night our Rabb (Cherisher and Sustainer) (Allah (SWT)) descends to the lowermost heaven and says;
“Who is calling Me, so that I may answer him?
Who is asking Me so that may I grant him?
Who is seeking forgiveness from Me so that I may forgive him?.”‘ [Sahih al-Bukhari, Hadith Qudsi]
While Prostrating
Abu Hurairah (RA) narrated that Allah’s Messenger (SAW), said: ‘The nearest a slave can be to his Lord is when he is prostrating, so invoke (supplicate) Allah (SWT) much in it. [Muslim, abu Dawud, an-Nasa’i and others, Sahih al-Jami #1175]
Between Adhan and Iqamah
Anas (RA) narrated that Allah’s Messenger (SAW) said: ‘A supplication made between the Adhan and Iqama is not rejected.’
[Ahmad, abu Dawud #521, at-Tirmidhi #212, Sahih al-Jami #3408, an-Nasai and Ibn Hibban graded it sahih (sound)]
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6) The best humans bring the most benefit to other human beings
Prophet Muhammad (Peace Be Upon Him) said, “The best of people are those that bring most benefit to the rest of mankind.” [Daraqutni, Hasan]
That is why I always advocate that in whatever business or profession we do, continue to upgrade ourselves.
Perfect the effectiveness and efficiency of our systems. The quality of our service.
So as to provide the best value, the optimal benefit for our clients, our community and the rest of mankind. Insya’Allah. 🙂
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7) Understanding Muamalat and Avoid all forms of riba
As business people, when we study Muamalat, we need to pay close attention especially when it comes to practising business transactions.
Muamalat – Actions among men: This refers to how people interact with each other in their day-to-day affairs and dealings with people. This includes such things as trade, partnerships, laws, … as well as Islamic Finance.
Unlike Ibadat, a general principle that applies to Muamalat is that everything is allowed, except for what has been prohibited.Therefore as business people, we need to know the prohibitions. (Explanation adapted from Almir Colan)
Example:
– Prohibition of riba, maysir and gharar
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As you can see above, there are many things we can learn from our beloved Prophet Muhammad (Peace be Upon Him) when it comes to running our business.
In business, cashflow is king. Having money on hand is important.
Thus, if you will also like to discover aspects on how you can save, accumulate and grow your money the shariah compliant way in Singapore, you can always whatsapp/sms me at 96520134 to schedule a FREE consultation.
Or perhaps click here to schedule an appointment.
Alhamdulillah… My facebook page is up after hiatus for about a year.
Please help to like my page here, www.fb.com/helmihakim.fp/ and then click the button, “See First”.
I will be creating live videos in the future, sharing specifically how you can save, accumulate and grow your money the shariah compliant way in Singapore.
Attached are some testimonials for my signature programs, “Unlock Your Money” session
and also “Your Financial M.A.P” session.
If you want want to arrange a complimentary one hour private financial consult session (valued at $500) with me at my Tampines Point office, whatsapp me directly at 96520134.
Consultations after 8pm will be at Punggol Waterway Coffeebean.
I am fully booked till end of this year, and can only accommodate 3 additional sessions per week, starting 20th November 2017 till year end. If you are interested, reserve your FREE session now!
See you! Insya’Allah! 🙂
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.
