Monday, January 24, 2011

Not feeling the Inflation...? Wrongggg!!!!

It is the dreaded word in financial planning..inflation!
A dirty, filthy word for those of us who are trying to protect our wealth.


You don't think much about it now if you look around the city with the sales every where and shopping galore that is distracting us...but the reality is.....INFLATION is creeping up!

The numbers in the US economy shows that food prices hit a record level last month and in fact it is the highest it has ever been since 1990. On the local front, CPI for December 2010 is 2.2%, up from 2.0% in November and just 0.6% in all of 2009. Please don't expect a reverse in these numbers for the January 2011 either because indications are strong that the upward trend will continue.

This is an important barometer for all of us to monitor because, 40% of household income goes to FOOD!...Yup! Makanan!

When you have pressure from increased cost of living, it takes a toll on your savings plans.

We will further be pressured by INFLATION as further reduction on fuel and food subsidies is expected to continue under the government rationalization plan. The price of petrol is expected to increase 10sen every six month...Scary, is it!?

What do we do!?!....Its time to review that spending and expenses list and perhaps a resetting of priorities to protect your BIG financial goals and objectives.

Ignoring this element will cost you dearly. At the same time, do not be too overly frighten by the dim prospects this blog carries as there are many alternatives and choices still available to protect your money.

You might want to consider GOLD!...

will share more in the next blog)...stay tune!

Saturday, January 15, 2011

The concept of MSI...

MULTIPLE SOURCE OF INCOME....that is what M.S.I. means. Some would call it multiple streams of income, either way it carries the same meaning.

It simply means having several sources of income from several different means, so that you never have to rely on ONE source (usually monthly salary) to supply you with all of your funding needs.

Should the unexpected happen. i.e. you lose your job or the company you work for closes down, that monthly income is NO longer available to pay off your monthly commitments. Tragedy!!! ...

How is it that we allow our self to be highly dependent one source of income whilst we are not in control of the fate of that company. The MSI behaves like a safety net against such events.But do not think of it as a safety net alone because most wealthy people DO NOT have monthly salaries as their main source of income, instead they have multiple, multiple and multiples MSIs...and this itself is their MAIN income.

 If one source dries up, you’ll have others in place to ensure you are never completely without revenue or income coming in. It is a fabulous way of building and creating wealth.

There is NO limit as to how many one is recommended to have.






Picture this, when you have multiple streams of income that is steady and fluid, it will provide for a better lifestyle. That extra cashflow it generates will permit for better savings program therefore securing your financial future, either it be for retirement or your children education or that dream holiday!


Sounds fantastic does it...well it is and it works for some of the current riches people in the world. It is a secret so simple to comprehend but yet many struggle to adopt. The trick is to find the right "source" or "stream"




Read on further...

The internet has made it possible even for ordinary people to acquire wealth. They say, "Never put your eggs in one basket." This is true when considering the current economic conditions.

"money coming our from your finger tips"
There are many available opportunities online to help you make money and get you closer to your dream goals. It has become easier for anyone today as compared to the past. As an internet marketer, it would be wise to grab opportunities that will bring you multiple streams of income.

One of the ways to create multiple streams of income is joining different affiliate marketing programs either in the same or different niches. What is important is to make money selling products from different companies.

Do bear in mind that a product you promote may be good today, but only to find that tomorrow it is no more successful in the market. It is possible that a company that pays you huge commissions today, but runs out of business tomorrow. It would really be a sorry situation for thousands of some online marketers. That is where having multiple streams of income come in.Use different sources to make money. By so doing, you will be safe from unknown future adverse circumstances.

In order to make this easy, just set up your own website or blog  to which you will send traffic that will end up converting to customers. This is not a hard thing to do as there are an ocean of ways and sites you can learn the skills of doing it. Once you have mastered the skills, you will begin to enjoy your "multiple streams of income". 

Spend time to search the net for the best business model for your MSI ..
(Psst: I have my own favorite!...wanna know how to make USD3000 a week? from just clicking the net and not selling anything?....call me!)


You can also be part of a joint venture to create multiple streams of income. What happens in this case is that different internet marketers put their talents and skills to make money. The advantage of such a venture is that you continue doing what you enjoy and where you are not strong, other marketers come in. As a result you earn multiple streams of income.

I hope this article will start you to consider the concept of multiple streams of income.

This is important for the future of your life and business...

Wednesday, January 12, 2011

T.I.P.S - Take Interest in your Personal Success!

Salaam and Good Blessings,

We habitually take things for granted, sometimes just too much more than necessary, and often pay the price for this delayed attention.

It often takes a painful and at times shocking event to occur to make us realize that we have not done enough to protect our goals. We would be lucky if such painful event don't befall upon us but instead, it is the misfortunes of others that we draw our life lessons from. We blow a sigh of relief and hope again that we will be equally lucky to just be an observer and not the main character of the next painful event.

The first instance of taking things for granted is already a grave mistake, but the next (bigger) mistake is - (after having known a particular fact)...we DONT respond to it completely!...let alone immediately!


Here is the cycle...you take something (or some issue) for granted, then something happens, (either by way of your own misfortune or that of others) and as a result, you get reminded. Then you begin your emotional cycle of fear, anger and pain...and then there is a sense of confusion and indecision. This drags you further, spinning and spinning as you try to grasp for "air" to retain normality.

Just as soon as that emotional cycle subside, you are back to point zero again - you K.I.V the issue and take it for granted and HOPE you don't have to be reminded again!...FAMILIAR?!! Yes, pretty much huh?

Right about the time when the emotional cycle begins is actually the best time to react and make a responsive decision to change!  This is not professing to react under duress or stress, which is bad, but it is really during this time that your " REAL" passion and interest about your own personal success comes into play.

The REAL emotions involved when you are Taking Interest in your Personal Success (TIPS) is at its purest and you will be completely guided by it. It is during this time you make your genuine decision about your NEED to secure your future and having decided upon it, you will have a feel good factor last a long time.


Frankly speaking, this is not far off from a scenario when you are "invited" to purchase that 70% OFF item at your favorite shopping mall - it draws upon your emotion too. Except the difference is...it was not drawn by your REAL emotion for T.I.P.S. It was playing on your sense of "WANT"....an illusion create for you, and it often does NOT carry a long period of "FEEL GOOD" after the purchase. (I know some of you will debate about this one...ya! ya!...a pack of cigarettes has a looooong feel good factor! I'll take that up in another posting)



We all should learn from our past mistakes, (and also from other peoples too) and should continue with the LEARNING process. Events happen to jolt us off our seats and remind us that we need to do this or that! Information that come our way is for us to digest it, to improve our knowledge and our own personal standing.

In one of his book called GOLDEN NUGGETS, Dwight Anthony, (a renown financial advisor based in the US) shared one of his many Financial Planning tips - "On Going Learning."

He explains that we often look at learning in a frozen image of classrooms, schools, colleges, universities and the academic institutions. As a Financial Freedom Chaser, we must commit ourselves to lifetime learning. but an elevated form of "learning". LEARN from ourselves and LEARN from others...the mistake makers and the success rollers alike have plenty to share!

Pick up concepts of LAWS of ATTRACTIONS, The FINANCIAL PHILOSOPHY, VISUALIZATON and the ART OF GOAL SETTING and HITTING THE TARGET! These things they don't teach you in Universities.

REMEMBER....KNOWLEDGE is power...but APPLIED KNOWLEDGE is empowering!


Till next time....Salaam

Tuesday, January 4, 2011

PRESS RELEASE - Public Mutual declares distributions for 3 funds






Public Bank’s wholly-owned subsidiary, Public Mutual, declares distributions for
three of its funds. The total gross distributions declared for the financial year ending
31 December 2010 are as follows:

Funds Gross Distribution / Unit
Public Savings Fund   -   9.00 sen per unit

Public Focus Select Fund   -   2.00 sen per unit


Public Islamic Enhanced Bond Fund   -   3.00 sen per unit


Public Mutual’s Chief Executive Officer Ms. Yeoh Kim Hong is pleased that all the
above funds have delivered respectable returns to its investors. She said, “Public
Savings Fund and Public Focus Select Fund have recorded one-year double-digit
returns of 17.94% and 25.77% respectively
for the period ended 3 December 2010
(Source: Lipper, 13 December 2010).

Both funds are open for EPF Members Investment Scheme.”  

Launched in 1981, Public Savings Fund is the company’s maiden fund. The fund aims
to achieve long-term capital appreciation and at the same time produce a reasonable
level of income. Public Focus Select Fund, which was launched in 2004, aims to
achieve capital growth through investments in medium-sized companies in terms of
market capitalisation from diversified economic sectors.

Meanwhile, Public Islamic Enhanced Bond Fund which was launched in 2006,
recorded a one-year return of 4.88% for the same period. As a Shariah-compliant
bond fund, it seeks to provide a combination of annual income and modest capital
growth primarily through a portfolio allocation across Islamic debt securities and
equities that comply with Shariah requirements.

All the above funds are distributed by Public Mutual unit trust consultants.

Public Mutual is Malaysia’s largest private unit trust company with 84 funds under
management. It has over 2,380,000 account holders and as at 30 November 2010, the
total net asset value of the funds managed by the company was RM40.2 billion.