2. Give up when life gets too tough.

3. Blame others and your past.

4. Overlook details.

5. Neglect the study of money management.

6. Waste time frequently.

7. Don’t set any specific challenging goals.

8. Start many projects but finish none.

9. Enjoy immediate gratification.

10. Refuse to study those who have succeeded in life.

So if want to be sucessful, just do the opposite way of the above.

They invest hours of their personal time dreaming and proposing new creative ideas, recognizing the possibility that it may not be accepted or celebrated. Risk-takers take initiative and make the tough decisions & FINISH what they start. Sometimes such actions get them in trouble, but many times those decisions get them promoted and lead to adding great value. You usually can’t go wrong when you have a finisher on your team. They are very rare…

 Now, here is how I define a risk-taker: One who collects the facts and knowledge concerning his idea and accurately assesses if the value of its success is worth the price it requires & who commits to see their task through until the end. They have collected enough evidence to support that the risk is good for the organization the company as well as the team.

 So take a moment and assess your risk taking quotient: •

Are You willing to take risks?

• Do you fear to fail or make a mistake? •

 Do ideas linger within you because you fear you will be rejected?

• Do you have a difficult time expressing a new way of doing things because you don’t want to be corrected?

 Take a risk… you will never regret it…

(1) Self – builder – which is personal growth

(2) Career Builder – career building

(3) People Builder – once your have build up yourself and your career, times to build up people or network

(4) Asset builder – asset accumulation

(5) Generation builder – share and build up the next generation.

so…which areas you are in now????

Minimum annual premium for a basic plan is RM2,400. Premiums can be paid in yearly, half-yearly, quarterly or monthly via the Autodebit, Credit Card, Cash or Cheque. For multiple credit card holder, this is a great news !!!

The Supplementary Benefits
- In the event of Total Permanent Death before age 60 or death at any time during the policy duration, you or your loved ones will receive 100% of the sum assured plus bonuses and accumulated Survival Benefits.

- Covers death or total loss of body functions due to accident.

- Waives all future premiums upon diagnosis of a critical illness of Life Assured.

They live in the past.
They have a low self-esteem.
They can’t laugh at themselves.

In fact, the study indicated that we need approximately 12 laughs a day to stay healthy!

I heard a story not long ago about a guy who sent flowers to his friend who was opening a new restaurant. When he arrived at the grand opening, he looked for his flowers. Well, when he found them, he saw that he had sent a white wreath that said, “May you rest in peace.” He panicked, of course, and called the florist who said, “Bob, I’m not worried about you because as we speak, there’s a guy being buried who got a dozen roses that said, “Good luck in your new location!”

Ah yes…life throws us curve balls when we least expect it! And sometimes, just to stay sane, we need to sit back and laugh!

The difference between what one person and another achieves depends more on goal choices than on abilities. The profound differences between successful people and others are the goals they choose to pursue. Individuals with smaller talents, intelligence, and abilities will achieve different results because they select and pursue different goals.
Each decision affects what you become. We form our decisions and our decisions form us. There is no escaping this; the smallest choices are important because – over time – their cumulative effect is enormous.

Never overlook the obvious: The nature and direction of your life change the instant you decide what goals you want to pursue.

Once you make a decision, you start down a path to a new destination. At the moment the decision is made, your decision to pursue a goal alters what you are becoming. Just one spin of the lock’s dial – a single choice – can alter your life, your destiny, your legacy.

Think about it – your goal decisions represent and express your individuality. You seal your fate with the choices you make. You define yourself by your decisions.
Your dialogue with success is ultimately a solo one. Decisions and goals made must be your own if you are to call your life a success.

Always establish the best goals you can. Goals are the seeds of success – you become only what you plant. The quality of your harvest is a direct reflection of the quality of your seeds-your decisions!
Indecision is the big eraser of opportunity and potential. Risks and costs accompany every decision; however, the price of decision is far less than the long-range risks and costs of comfortable inaction. When it comes to decisiveness, squatters have no rights.

Everyone has an official wish list of things they think are “reasonable”. What about the unofficial wish list? The one that common sense tells you to ignore? The list that exists deep in your mind, the list that keeps you up at night, that makes your toes wiggle when you think of it? Why not choose that list for a change?

How long have you dreamed of being, having, and doing what you really want? Think big, as when it comes to your goals, the size of your ambition does matter.

This morning, during our morning meeting, suddenly this question was asked…the question looks simple and we all should have known the answer but when we were asked to give a simple answer…not easy…most of our answer is long .  Finally, we have the conclusion… LIFE INSURANCE) a contract whereby the life insurance company will pay you according to the contract  when you dont have time or when you have time…confusing???hehe..let me explain…

Pay you when you dont have time…it means..when death or total permanent disability or critical illness occur, and you wont have time to work to get income..then your life insurance will pay you accordingly…pay you when you have time means if you are healthy and live long…then when you need funds for retirement, this contract will pay you accordingly too…so…this is a special contract ..no matter how..you can still get  the money .

So, dont you think it is a very good contract which everyone should have????hehe..if you answer is yes…then please do contact me if you need further information on this (advertisement time..hehe)but rest assured that information will be given free of charge and no obligation…:)

You know, lately when i mentioned about ..to be a millionaire, then one friend said..how???buy the rotary ticket and win the first prize and be millionaire?????well…from this response..you can see that a lot of people still think that the only or easy way to be a millionaire is through luck or rather unbelievable, in a lot of people mind, it is unachievable unless you are lucky.

Well, to tell you the truth, every one can be a millionaire if he or she wants to be, want to know how?????simple….if you want to be a millionaire in 30 years time, by putting aside of rm670 every month for 30 years in a saving tool that gives you 8%, then by end of 30 years..you will be a millionaire..easy, right?the question is, are you willing to put aside this rm670 every month without fail for 30 years??????so, this is just the question of whether you are willing to pay the price or not…but if you want to become millionaire in shorter time then, more money need to put aside every month lor…as saying goes…”NO free lunch”…hehe….

If you want to know more…do contact me and i will show you how to plan to be a millionaire(advertising time, hehe)no harm to know, right??or if you are not interested to be a millionaire…or you like to know how to accumulate the amount that you wish to have, then you are most welcome to contact me., no obligation…and free information will be given ..or i wont mind if you buy me a coffee in coffeebean or starbucks..hehe

As usual, thursday afternoon is my visiting of old folk home with my church team member and we normally spent two hours to visit two old folks home here and this afternoon when i walked into the first old folk home, i found that the crowd has become bigger and more aunties and uncles were there, some in their 80s, 70s and 60s.

I am just wondering have they thought that they will be staying in such places when they were young?????? i think definately the answer is “NO”…even if you ask me now…i think i will tell you that i wont stay in old folks home when i am old one day.  It is very sad, cause when the person become old, he or she has to stay away from family members and stay into a house with all those aunties and uncles whom he or she never met before or rather stranger to them.

I think in order to avoid such things happen to us, i think we better do include this agenda into our planning or rather into our financial planning so that at least we have planned well ahead where are we going to be or rather where are we going to stay when we are old.  If we do not have such vision now and plan it accordingly, then we are actually gambling on our own old age life.

Then you might say…how?????how to plan?????i think the question is still how much retirement fund you have planned for yourself , or rather beside retirement fund, maybe you can consider to have a small house or a small apartment whereby you can stay when you are old, at least you know you have a place to stay no matter what happen.

Then you might say…am i advertising my business again..i.e. retirement fund planning…well…i do admit that my business is about sharing with people…how to create retirement fund, emergency fund, income protection and so on…but today the reason i am writing my sharing here on this subject is a deep thoughts from the bottom of my heart…so friends..do plan well for it..so that you wont regret when you are old ..that is too late..my friend.

For over 160 years, Prudential has played an important role in the finance industry and an even
more important role in the lives of millions of consumers. Throughout the region we have
operations offering a mix of life insurance, pension, mutual funds, consumer finance,
investment management and general insurance products and services to meet the specific
needs of our customers. And not so recently, we have also embarked on the mission to be a
key provider of Islamic finance products and services across the globe.

Alongside our successful life operations in UK, US, Asia and Europe, Prudential also owns
M&G, the UK’s and Europe leading mutual fund business and the first company to launch unit
trusts in Great Britain in 1931. At present, M&G is managing over £1416 billion funds under
management.

In Asia, Prudential has a rapidly growing mutual fund business including Prudential ICICI AMC,
the largest private sector fund manager in India and Prudential SIT in Taiwan, one of the top 5
mutual fund businesses. BOCI-Prudential is also one of the leading Mandatory Provident Fund
players in Hong Kong.

Alongside its wholly owned operations in Asia, Prudential has also forged successful joint
ventures and strategic alliances with some of the region’s leading financial institutions including
CITIC (China International Trust and Investment Corporation), Bank of China International,
India’s ICICI and Standard Chartered Bank
Prudential in Malaysia
Prudential Fund Management Berhad (PFMB) is part of Prudential plc and was incorporated in
November 2000. It is a wholly owned subsidiary of a Malaysian resident holding company,
which is in turn a subsidiary of and controlled by the Prudential group of companies.

PFMB offers a range of investment products and services encompassing Unit trust, Portfolio
Management Services which entails customised structured products for institutional, corporate
and high net worth customers and Shariah Investment.

As the investment arm for Prudential’s group in Malaysia, PFMB is not limited to managing 40
unit trust funds but also responsible for managing the Prudential Assurance Malaysia Berhad
and Prudential BSN Takaful’s investment-linked funds since January 2008 bringing its total
funds under management to RM13 billion as at 31 December 2008.