Justunittrust | Your Financial Advisor
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Justunittrust

How is your relationship with MONEY ?

Pernah lihat advertisement “Kami bukan Ah Long, tapi kami mahu tolong”. Cute and yet the “niat” is questionable. Seriously, betul ke nak tolong and beri talian hayat ? I’ve been through a few of these, and honestly, kita akan berasa lega sekejap, kemudian senak tiap-tiap bulan. Over the longer-term, usually if our spending habit don’t change for the better, we’re doomed to enter another round of “Kami bukan Ah Long, tapi kami mahu tolong”. Yup, by taking more loans and credit cards (usually amount yang lebih besar) to cover the debts. Sedih ! Nasib baik ada biz unit trust, it changed my life and am sure have witnessed how this biz change lives of others for the better. “Money isn’t everything, but everything needs money” To understand your relationship with money, ingat semula semasa kecil-kecil dulu. Did our abah and emak had to work hard to cater for the family needs, did you have to work at young age to support the family needs, or maybe were they a lot of arguments about money while you grew up ? All these will somewhat shape your perception about money. It can make you angry, upset or maybe happy and tanam semangat berdikari and tanggungjawab. Look at now. Try to complete some of the following sentences…
  1. Saya senang dan mudah belanja wang saya ke ………
  2. Saya sukar nak belanja wang ke ……
  3. Saya sayang duit sebab …………………………………………………
  4. Saya risau duit saya sebab ……………………………………………
  5. Saya sering bergaduh (argue) hal-hal wang sebab …………
  6. Saya berasa …………………. bila simpan duit.
  7. Sekiranya saya cukup wang, saya akan ………………………..
  8. Berbincang hal wang, membuat saya berasa ………………..
  9. Bila saya membeli barang secara impromptu/tidak fikir panjang, saya berasa
  10. Saya tak tahu cara nak tadbir (manage) wang saya kerana...

Saya bukan peminat football, soccer or bola sepak ! Nevertheless, recently I heard this over BFM89.9 and I think I've found a mentor - someone I can look up to, a leader and good example, someone so inspiring and equally interesting. I wish and dream that I too may someday be "Jas Rahman & Real JUST"... "Real" in Spanish is "Royal" so its actually the Royal Madrid. I recently visited Spain under PMB's Group Agency Managers' retreat to Barcelona & Madrid. In Madrid, we visited the Real Madrid's football stadium and their football museum - they were AWESOME ! [In PMB, each year 25 of the top Group Agency Managers are given a special trip by the PMB. Presently there are over 360 Group Agency Managers in PMB] Now, Nama sebenar Jose Mario dos Santos Felix Maurinho, son to a footballer turn coach. Started career sebagai footballer tetapi kurang menyerlah. So, Jose Maurinho decided at a very early age that dia akan jadi Football Coach tersohor di dunia. He is known as a true leader - you either love 'em or hate 'em. He's famous for building high performance team - Chelsea, Porto, Inter Milan and now Real Madrid. I ran a quick metaphysics check on his birthdate - 26 January 1963 and discovered  that he is born to lead, very independent, intelligent and also pandai berkata-kata and involved with many people. His main characters are  : Core= 1 (located at sudut terbawah segitiga) - Sendiri - tidak bergantung pada orang lain (independent), pemimpin, bijaksana, menarik pendengki & cemburu Sub-Core = 2 (located atas kepala segitiga) - Kekuatan pada mulut – bercakap, banyak cakap, lembut hati, menarik wanita/lelaki Seterusnya, saya dengar dan teliti content and analisa on Maurinho. He has a Phd, is fluent in 17 languages, he is very intelligent and focus ("Work hard and work smart"), off course well-dressed (alwiz in his Armani suit), there's his looks ! And this is a guy respected by his team, his competitors and in a recent poll as to "Who you wish is your Boss" done in US, Maurinho beats Obama, Jamie Oliver, and many other celebrity & public figure. I guess, everyone one or at least dreams to be in a high performance team ! Here are 8 things Jose Maurinho does well in building his team of high performance football players are :
  1. Maurinho is focused on winning - determine to be the best football coach and building his high performance team. Even after a defeated match (which he has but few), his team is able to bounce back, recover & play well as soon as the second half of their games.
  2. Maurinho is clever at building strong bonding - as he fluently speaks 17 languages, he builds strong rapport & eventually relationship with his team. Everyone feels like part of the team - even the stadium gate keepers, the kitchen help etc. His players regard him as "their father", some admitted that their training session are intense but not tiring as Maurinho handles the training well.
  3. Maurinho acts as a secure base - players come back to him and they know that Maurinho will stick his neck out to defend his players (sometimes even when they do wrong). He shelters the team and helps sway pressure on his players.
  4. Maurinho handles & resolves conflict - he puts the issue on the table and sort them out. His criticism are positive, focus to encourage not condemn.

Salam. Today is 1 December 2010. Time flies and looking at my to-do-list for 2010.... hmmm banyak lagi unresolve and tak sempat buat goals. Pasti kena carry forward lagi ke tahun 2011. Syukur masa masih ada dan mohon umur masih panjang... Unit Trust Consultants and agent dari JUST-CALIPH-H had a field trip - melawat RHB Securities's "Gallery" di HQ RHB, Jalan Tun Razak. We depart for RHB Securities right after brainstorming session Isnin lalu 29 November 2010. The "Gallery" is where kita boleh lihat sendiri dan rasa bagaimana pasaran saham Malaysia berdegup setiap saat dari jam 9.00am ke 5.00pm setiap Isnin hingga Jumaat. Although the "jantung" is at Bursa Malaysia, we are able to feel the 'beat" louder and better at RHB Securities - As seen on TV.

Yup ! What's your number ? Which number - berat badan, tinggi, umur, akaun bank balance & pin number, or simply how much you need to retire in order to maintain your present lifestyle  ? Today, we'll look at your DESTINY NUNBER via a metaphysic approach. I've learnt this a few years back and its very interesting in insightful if used to just read a person's character & personality; just to gauge & understand them a little better. Nevertheless, it is said that the level of knowledge, exposure, networking and spirituality does reshape the readings. So, try this out and maybe you'll start to now yourself better. Use them with your unit trust client & investors and unit trust consultants - and hopefully we know them a little more than before.... Introduction
  • Destiny Number (DN) reveals your personality, energy within.
  • Destiny Energy (DE) computed based on all the numbers in your date of birth, totalled up.

contoh : date of birth 18 February 1998

DN = (1+8) + 2 + (1+9 + 9+8)

= 9 + 2 + (27)

= 9 + 2 + (2+7)

= 9 + 2 + 9

= 20

= 2 + 0

= 2

In addition, you can also just use your birth date, here its = 1 and 8, or used as 1+8 = 9. These numbers can also spell out a persons character. Compute the numbers to arrive at a single number. Here the DN = 2.... The illustration of these numbers follow. No 1, the leader - natural independent leader; aggressive, determine. Can be forceful & demanding. Thus, they always stand out. But can be quite obstinate & feels they are always right, they must learn to consider & respect opinion of others. No 2, the team player - work well with people, teamwork and coorperative. Can be caring, romantic and demand strong dovetion and emotional sensitivity with close friends. When young they tend to be timid & fear, but these will change when knowledge and self-confidence develops.

"To achieve great things, two things are needed

- A PLAN and NOT QUITE ENOUGH TIME"

So, what's your plan ? Do you think you have enough or ample time ?

Most people dream of being rich - building castles in the air, instead of building its foundation. Foundation can be equated to knowledge, skill, experience and network, but how does one use all these ? Thus, the Malay proverb of "Angan-angan Mat Jenin"...

Do you know that the 10 Richest Malaysians have above US$1 billion of assets ? Yes, and they are :

  1. Robert Kuok US$12b
  2. Ananda Krishnan US$8.1b
  3. Lee Shin Cheng US$4.6b
  4. Lee Kim Hua US$3.9b
  5. Quek Leng Chan US$3.85b
  6. Teh Hong Piow US$3.8b
  7. Yeh Tiong Lay US$3.5b
  8. Syed AlBukhary US$1.7b
  9. Vincent Tan US$1.6b
  10. Tiong Hiew King US$1.2b

Elsewhere, Warren Buffet has US$46b while Gates as the richest man in the world must have more than Buffet. WOW !!! The beauty about these ultra rich is that they share the common trait of being involved in lots of charity and philantrophic activities. Buffet gave away 99% of his US$46b and yet his wealth continue to grow over time. Tak putus-putus.