1. Why Obama won, market goes down: “people buy on rumours, sell on facts. You need to differentiate between stock and economy

2. Dow Jones & Hang Seng index rebounce: may be a good time to switch-out your China funds. But few other factors to consider: how far can the market goes down/up and what is the fund size

3. KLCI: Factors to look for - Chinese New Year 26 Jan 09 and Umno election on Mar-09

4. 98 Financial crisis scenario: GDP (), interest rate high (8%-10%), property market bubble, banking sector weak, forex reserve BNM very low. 2008 global financial scenario: come to our training

5. Goal Setting Seminar 29 Dec 08 for all JUST unit trust agents: you can choose either morning session (8:30am - 12:30pm) or afternoon session (2:00pm - 5:00pm). Sharing experience by one of a doctor in financial planning

6. BOP Business Opportunity Preview Tuesday 11 Nov 08 8:00pm night by Jaslinah at Public Mutual Cheras

7. GBOS Grand Business Opportunity Seminar 24 Nov 08 7:30pm at Legend Hotel

8. Motivational Talk by Robert Young 25 Nov at Tropicana Golf Resort

9. Many unit trust consultants either from our agency or outside always ask us “Which fund to promote now”: PISEF, PIDF, PIOGF, PISSF, PISTF because it exposure to the market is LOW and the fund size is big. Another thing look for EPF friendly fund because redemption rate is LOW, thus there still have reserve in the funds

10. Sharing by Rozita Ahamad on Aggressive Sales Professional. All participants become fully-charged to make sales

11. Sharing by Iadah: she updates her clients by CAMS statement. She do financial planning style. Ask overall investment of his clients: property, ASB, savings berapa etc. Tanya dengan hikmah. She builds trust with his clients. Advise on clients monthly budget. where & how to spend money. She experts on one-to-one presentation. Only 3-steps (build rapport, present & close). She can do without FP Advisor and notebook PC.  Only with A4 paper, QFR, KLCI chart by Public Mutual and yahoo.finance.com. How she uses emotional buttons

12. FREE Lunch by Jaslinah. KFC dinner plate. Thanks Jas

Don’t forget our Goal Setting Seminar on 29/12/08.

Welcome Shahrum and Khairul to JUST Consultants. Congratulations. I knew you all can passed the CUTE exam. So what is the next steps. You must attend an introductory course Jump Start Now that summarise how to run the unit trust business. We conduct the tarining on every Saturday 9-11am at PM Cheras. Other activities are as follows:

Attend our group, JUST Consultants Activities

• Weekly Monday Brainstorming/Meeting 10am to 1130pm at PM Cheras Level 2
• Weekly BoP: Saturday 11am to 1230pm at PM Cheras Level 2
• Bi-monthly Special Training: Saturday 2pm to 5pm at PM Cheras Level 2
• Monthly Booth Promotion by the Group

Attend 3 Compulsory Company Training that will show you How to be a successful Unit Trust Consultants

• Quick Start
• Success 101
• Fundamental of Unit Trust or Need Based Selling

Start Doing Business

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1. IC for EPF submission - kena cross the IC with “for EPF use only” with effect 15 Jul 08
2. Training - to bring registration receipt during the training day at the training room as evidence due to cases where agent just walk-in and enter the training room
3. Promotion to AS, AM & GAM - compulsory training to attend before 23rd of the month for next month promotion, else you will be promoted the next two months
4. EPF promotion at Selayang - stop booth opening, instruction from PM as they are instructed bt EPF
5. EPF Maluri - Jas will re-imburse those yang dah bayar
6. Market Analysis - Malaysian market still weak due to politics instability
7. Market Analysis - US mortgage, loan problems, oil prices another record high
8. How to reduce oil price - orang tak guna minyak, US economy to recover
9. Oil issue - Malaysia increase price. Fiscal policy - windfall tax on IPP, CPO, oil & gas this year. IPP issues bond to expand previously (5 to 10 years ago). They had never think of windfall tax. So some IPP cannot pay coupon (interest) to bond buyers. Thus some people asking government to revise the windall tax.
10. Malaysian PM’s Transition - good for long term but less impact on short term
11. JABS seminar (a special seminar to assist unit trust consultants to succeed) on 17 & 18 Jul 08- 3 prongs approach: belief system, buddy system, new marketing tools, cash sales testimonial, 50 AMs roadmap and its details and sharing experience by Azizah Saad (power booster) and Stanley (cold canvassing)

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Arif is running a weekly Saturday (11:00am-12:30pm) FREE seminar on How & Why We Want You to be an Entrepreneur specifically Unit Trust Consultants which include comparison of unit trust companies in Malaysia. It is good for you to know the unit trust industry before you join any company as an agent. We limit each seminar for 10 participants only as there will be many questions from participants to be answered in a limited time. Kalau tuan/puan/cik nak hadir, daftarlah SEKARANG di http://seminar.myunittrust.com

Interim Notes:

1. This weekend activities 12-Jul-08:
   1. 9-11am: Jump Start Now (for newly-passed agent)
   2. 11am-1230pm: Seminar Unit Trust (BOP) - to bring as many people as you wish that are interested to build their own business/consultant
   3. 2pm-5pm: Special Training for all our agents on How to Propose a Financial Plan to our prospects and clients
2. JABS on 17 & 18 Jul 2008 (a 2-day seminar to help boost our sales and motivation) - confirm with Biela and Farehin by 9-Jul-08. RM50/pax.
3. FREE Investment Seminar on Market Outlook at Hotel Sri Petaling, KL on 26-Jun-08
4. To attend Short Seminar by Wong Kian Meng on 7 Steps of Building Successful Agency on 21-Jul-08 9:30am to 11:30 am. RM10/pax. Book dgn Biela 019-2260335
5. New pamphlete Failaka Award, best fund in Asia is now available at the branch.
6. Promote Direct Debit Instruction (DDI) Case. Target 1 DDI/day. In a month you will get 20 DDI cases. Assume per case is RM200.
7. Market Analysis - Fundamental & Technical. PE ratio in 1997 was 44 X but now PE ratio is 11 X. So it is a discount for investor to buy. The KLCI was 268 in 1997 and 1134 now as of 4-Jul-08. This means that even though th KLCI is still high, the PE ration is far lower than that in 1997. So what? Don’t panic.
8. Market Analysis - Down? Why - 3 factors: 1. politics 2. oil price 3.weaker external environment
9. Market Analysis - USD weaken, inflation up. Thus Federal Reserves to stop reducing interest rate to improve USD
10. Market Analysis - China. What’s happening? Affected by US economy. In mid-to-long term, China is OK. Why - Savings is high, domestic demand is huge, they buy house with cash etc..
11. Market Analysis - Malaysia and Asia. Compare 97/98 and 2008. Read Starbiz Sat 5 Jul 2008. Situation now is different. Another Asia currency crisis is unlikely.
    1. 97/98 - property market buble, banks fragile,
    2. 2008 - ada large amount of Foreign Reserve

Alhamdulillah we have got an allocation for a training room at Public Mutual Cheras Level 2. Thanks for Azizah Saad and Mr Khoo that handed-over the room to our agents. So our agency training & business opportunity preview can now be held every Saturday 9am to 1pm.

What we plan to do is: 9-11am is for training and 11-1230 is for BOP. This is a major milestone for the group as we can have a consistent time and place for our training and recruitment campaign.