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Agency Meeting 26 March by J-CHI Unit Trust Consultants

Agency Brainstorming by Siti Salehatun JUST
  • 23rd nsc incentive to guangzhou – rooming list and flight details
  • new investor form (individual)
  • exemption from FIMM cute exam for candidates who have completed & passed module 4 CFP (investment planning) effective 1st april

Jas sharing

The 4 quadrant

Urgent+Important –

  • lot of us bz in this quadrant
  • results : crisis,disttrust

Not Urgent+Important –

  • efective person sits here, relationship building,
  • results : clear vision

Not Important+Urgent –

  • cth FB, result – irresponsible, short term focus,
  • results : weak relationship

Not Urgent+Not Important –

  • cth Gosip, lepak minum kopi
  • results : fooling urself : kalau kita tipu org lain kita dosa, kalau kita tipu diri sendiri kita? – rugi.

Market Update
Q1 : global equity market seems allright
Q2 : usd expect to be weak sbb oil price is rising

  • slower growth in China
  • debt issues in Europe
  • malaysia gdp 2012 forecast 4-5%. largest trading partner – China
  • Malaysia GE on may/june – free beez & reports. historically towards GE market will be up

Malaysia – new responsible lending guideline due to concern over rising household debt-to-GDP rsatio 77% in 2011. target malaysia 60%

  • calculate net income
  • 70% loan, 30% own money
  • higher income eligibility & criteria for credit cards application : below 3k per month
  • financial programs by AKPK saturday morning

Fundemental Analysis
Gold trend – downtrend since August
KLCI – market lagged

p.s. Arif and myunittrust.com pertama kali dalam Malaysia akan mengadakan seminar how you can do unit trust business within 45 minutes. datang segera SEBELUM seminar ini dikenakan bayaran. Click www.myunittrust.com/seminar for details or call/smS Zarif at 010-4203521

Brainstorming the J-CHI Unit Trust Consultants

Brainstorming 19/03/12
by HC GAM Hasimah

Updates

  • CPD Pathway to Success RM 20 (5ACE & 8CPD & Financial Workshop RM 10 (2ACE & 4CPD)
  • 27th March Leaders meeting
  • 28th March BoP by GAM Hasimah 8pm-10pm Cheras
  • 25th March KDU invitation to Financial Planning Talk 930am to 1230pm by Ms. Linnet Lee

New SD form

  • must submit sebelum 30th September 2012
  • all except 2010 & 2012
  • must submit every 2 years

Group Activity
DRB-Hicom
3,4,5 April
9-5
RM 30/pax per day

Sharing

Financial Talk
Regionally M’sia punya market paling worse tapi market kita less volatile YTD performance kecik sgt others two figures.

Fund Rankings
Persepsi mengatakan bahawa DALI good fund tapi mengikut 3 years performance Morning Star Overall Ratings – DALI cuma 4 stars rather than dana-dana dalam Public Mutual Islamic Equity got 5 stars

Newspaper
A Company dari USA : Nicole bergabung dengan Hwang Investment Management amik 30% daripada aset Hwang

Votality
Ittikal dulu low sekarang high
PIDF dulu moderate sekarang low
Jas comment : as market goes higher the risk is lower, so PIDF is good for now. low risk high return : 3 years votality – 9.5 return – 20.21% as compare to agressive fund.

Jas sharing
140k client just sign dan a cup of coffee – Jas build relationship dgn client dalam selama buat sales
Jas : we are selling trust to the clients, sape2 pun boleh jual unit trust, they believe you and trust you then u can sell. build trust with your new clients. Sometimes relationship dgn customer lebih baik dpd relationship dgn spouse. Jas secret recipie ialah her customer trust her

download podcast 13th march BFM Raymond Phoon : EQ for great relationship.

download here http://t.co/mAnDqU7E

  • trust is like bank account is it positive or negative?trust also have different levels

Arif Sharing
Kita dah 7 tahun dalam bisnes, Read Robert Kiyosaki again, if u in makan gaji things we are individual. BESI Quadrant.we are still in Self Employed quadrant.
Suggest:

  1. role play for jumpstart
  2. brainstorming on Saturday - sharing & sales tracking

Arif  and J-CHI (JUST -Caliph-HC-IWGoC) are sharing expertise and knowledge regarding selling pelaburan unit trust, but these knowledge without action is like you buy an ice cream and leave it in the open air without having (makan la) it. So it will become cair and cair and cair. And finally obsolete. So take action now. Join our FREE seminar at Public Mutual Cheras in Level 2, Cheras Commercial Centre next to Hotel Caliber and Restoran Janbo. Call Zarif 019-3405447 or register HERE

 

Asal usul sama, tapi perhatian & penghargaan berbeza!

Dalam satu galeri seni, lantainya diperbuat daripada batu marmar, dan dalam gakeri itu juga ada sebuah patung yang cantik dperbuat daripada batu marmar juga. Lantai marmar merasa hairan mengapa orang datang dari jauh ke galeri itu dan memijak-mijak lantai marmar semata mata untuk melihat patung marmar padahal mereka berasal daripada bahan yang sama.

Lalu lantai tanya dengan patung ‘aku merasa hairan, kita datang dari gua yang sama, hidup bersama namun hari ini orang datang dari jauh memijak aku semata-mata nak melihat kau, mengapa ya?’

Patung tersenyum dan menjawab ‘ Betul, kita memang lahir dari gua yang sama, hidup bersama namun adakah kau ingat, sewaktu kita diambil oleh si pengukir? Beliau telah ambil dikau seterusnya mengetuk dan memahat dirimu namun kau berkeras menolak dan membantah perlakuannya’

‘Kemudian beliau putus asa denganmu lalu mengambil aku, beliau mengetuk dan memahat diriku, namun aku bertahan dengan semua kesakitan itu dan hasilnya aku menjadi perhiasan yang cantik seperti hari ini’

Samalah kita bro, nak sukses bukan mcm petik jari je. Kena taji sikit, kena pahat sikit, tukul sikit but worth the pain. We all born in the same soil, go through the same education channel dan makan belacan sama-sama lagi, but some of us sukses kerana berani buat keputusan dan sungguh-sungguh selepas buat keputusan tu. So take this challange hubungi Zarif 010-4203521 atau klik HERE untuk buat keputusan berani!

Brainstorming 5th March by our JUST GAM Jaslinah

Public Mutual Trainings Updates

  • 6 mac new fund briefing
  • 7 mac investment talk
  • 9 mac zakat menyucikan harta 2 CPD point

Upcoming group coaching

Upcoming jas activities
sales workshop @ Public Mutual Butterworth, Batu Pahat & Muar

Market Intellingence

  • gold bukan long term
  • trend seen as ‘ke bawah’ utk long term
  • gold analyst said : trend 2 peak up 2 peak down

9/1 market up gold down
11/2 market up gold down
2/3

  • KLCI market dah touch up than 1600
  • down jones dah touch 13k (almost all time high)
  • semua ekuiti market dah tinggi tapi gold is lagged lambat

Currently

KLCI 1583

DJIA 12966

GOLD 1712

trend market
oil preassure – renewed risk to global economy
greece issue less concern

HANG SENG

  • indikator market asia pasifik
  • slow blum smpi all time high lagi
  • hubungan dgn ittikal (since byk invest market China)
  • harga tengah rendah tapi suggest amik sikit portfolio utk ittikal (for those who loves)

Market Forecast 2012 KLCI 1620

Tyipical Cycle Public Islamic Dividen Fund

  • rebalancing at q4
  • q2 & q3 DCA
  • exception at q1 & q4
  • severe market jatuh paling lama 1 bulan

Situasi Greece

  • masuk duit tak cukup-cukup mcm poket bocor

BFM updates

  • one guy said ’bankers are stupid parasites’ - bcoz killing the hosts
  • kenapa Greece jadi cam sekarang
  • Greece tak fit kriteria nak join jugak Euro (negara kaya)
  • niat asal nak tolong but benefits Germany actually
  • they help negara kaya dan pinjam dgn Germany but have to buy from Germany

Just Sharing

Asian Top Billionaire rise up 43%

  • Mukesh Ambani > Li Ka-shing > Lakshmi Mittal

Hand phone chargers whilst travelling
roaming chargers masa travel avoid outstanding chargers

  1. .off data roaming
  2. need internet – check price, avoid heavy download
  3. turn phone off when not using
  4. consider getting local simcard
  5. turn voice mail off
  6. use skype

Jeremy Lim Havard graduate turn basketballer overseas

  • underdog at first
  • but practise very hard
  • bila ada peluang show very best
  • compare to us
  • we want 10mill customer but dont practise
  • when that moment come i should be ready

Mistake we made

  1. cakap only
  2. no practise
  3. takde cukup affirmation

be like harimau, cari then terus ngap. dont kalau lapar baru cari.

Nelson Mandel 27 tahun duduk penjara now jadi celebrities
coklat Hersheys 3 kali setup coklat company then failed baru jumpa Hersheys

p.s. Arif and Caliph Group conduct weekly training, meeting and seminar for his unit trust agency at Public Mutual Cheras, Kuala Lumpur, Malaysia. He invites all graduates young and old to join his team for helping Malaysian to invest ONLY in Islamic Unit Trust funds. Don’t wait anymore. Time is running out. Join this sunrise industry. Call me 010-4203521 Zarif or register online through http://seminar.myunittrust.com

 


Many people wish to start their own business but…

Many have a plan that someday they want to get out and do their own business. Some has tried, ada yang buat part time dan ada yang terus jump. Bakar jambatan.

They saw in front of their eyes how businessman flourish. Berjaya, pakai kereta besar. Boleh melancong luar negara. So they are very excited. Then they venture into business.

After a few months, when they are already a businessman, they encountered many obstacles. Ada yang tak tahan. Terus cabut, pastu blame others or blame the business. Ada yang mula-mula dapat bertahan, lama-lama 2 atau 3 tahun tak tahan jugak. Cabut jugak.

That’s the reality. Sama jugak orang yang nak kahwin. Dalam percintaan, semua wangi. Kentut pun wangi. Bila dah kahwin dah lama sikit baru nampak keburukan pasangan. Statistics show that most of the divorces berlaku dalam 2 tahun perkahwinan.

So ada solution tak untuk masalah ni. Ada… Dah ada orang buat research dah benda ni. Kalau nak tahu klik sini

p.s. Arif and Caliph Group conduct weekly training, meeting and seminar for his unit trust agency at Public Mutual Cheras, Kuala Lumpur, Malaysia. He invites all graduates young and old to join his team for helping Malaysian to invest ONLY in Islamic Unit Trust funds. Click here for details or call Zarif 010-4203521

Revealed… Unit Trust Consultant Letter to His Clients

I believe I would rather tell you all, what I wrote this morning to my clients to take advantage on the current KLCI level. So that you may get the idea on how to use it to your clients as well.

Even for the people who have shown their interest to become a unit trust consultant should read this letter. So that they can see the bright future of becoming unit trust agent. For the new existing unit trust consultant, you can modify this email and send it to your prospect to invite them to join unit trust business.

The KLCI chart adalah ihsan dari a friend in Public Mutual Melaka. Here is the letter:

klci-chart-as-at-jun09

How Your Understanding on KLCI Chart Will Make You Millionaires… while working

Assalamualaikum & Salam Ceria,

Do you think the worst is over? So far it shows that Oct-08 is the worst for KLCI since Jan-08. See KLCI historical chart as attached for your copy. Forward it to your friend as you like.

What can we do for this huge opportunity or danger you may say it. Many people still skeptical. But some people who does take action between January till June this year by investing in stock market and unit trust has accumulated at least 10% profit.

Imagine in the next 3 years. Do you think KLCI will remain 1100 or at least go back to it 1500 level. What is the possibility that it goes down to 800 points as in Oct-08.

Do you believe AXIATA value is RM2.50 in the next 3 years. Sama value dengan company second board yang unknown.

We are now in 2009. Rewind the time to 1998 when the KLCI was at 262 level. If you were given the chance to buy any stocks or unit trust fund at that time, will you buy? Any month in 1998, if you invest – you will make profit minimum 30% after 3 years.

Similarly, if you were in 2012 (that’s 3 years from now) when the market is 1500 again, will you buy unit trust in 2009 which the KLCI was only at 1100. Try divide 400 (that is 1500-1100) with 1500 to see the potential profit. It is a whopping 27%. What if, we play an active strategy. Whenever we reach our target profit, we lock it and re-enter the market again. How much profit you can get…

Arif Ismail
013-3640043
myunittrust@gmail.com

Quit my job. What business should I look for …

Uncategorized by Arif Ismail 3 Comments

I’ve quit my job. So should I find another job or should I venture into business. If business, what kind of business. To me once you quit or ask to leave, you should consider build your own empire, your own business. Have you ever learned lessons from your experience being asked to leave the company or you are the one would like to leave the company. The employer say “Thank you” to you and then bye-bye. All your effort building the company, where are they gone. It become other people assets, systems etc. You didn’t own it. But if you build the system for your own company, it become your assets, your systems.

Next is, if business – what kind of business. As many people aware there are categories of businesses as follows:

  1. Conventional/traditional
  2. Franchise
  3. Multi-Level
  4. Agency
  5. Internet

Which one suits you? There is no right or wrong answer. It depends on each individual. I’ll pen down the pros and cons of the 5 categories of business on my next post.