Diary 2010

Life, Personal Development 1 Comment »

Today, almost the end of January 2010, I just bought myself a diary. I haven't plan anything for this year. Perhaps, I was too busy doing something else and didn't locate time for myself. Perhaps, I'm making an excuse for myself. Some may also say that I might not even make my new year's resolutions. I actually have them in my mind, but I haven't put it down on paper.

Anyone who also has something to change in their life and its a new year 2010 and new year brings new commitment, something one wants to change to be better than the year before. Anyone can get out of their normal routine and improve at any time one likes. It doesn't have to be a new year to start a new lifestyle.

Now, I'm putting them down on paper, not any piece of paper, it has to be reviewed everyday, the moment I wake up in the morning and at night, before going to bed. I choose a Diary to put down my goals and resolutions for the year.

After work today and it is Saturday, I just pop into Popular Bookstore and this is the only type of diary left in the shelves. The good diary or the better one are all sold out! Not to waste anymore time, I just grasp it and move to the counter. It's a simple looking Diary, not too big, just nice and it's only RM7.95

There is one saying, " People Don't Plan To Fail, But They Fail To Plan."

Making Appointments

Life, MLM Overview, People 1 Comment »

You and anyone who are in MLM business or any sort of marketing, should get themselves ready with their tools to do a business presentation to their prospects. This is the most important thing in making that deal or closing a sale, the tools.

The first impression is always the image that you show to your new prospect. Punctuality is one of the most important criteria. Please be there on time, and if you are staying far, you should leave your house early to reach your destination on time to see your prospect. Be clear by being transparent about the purpose of the appointment.

If you were invited by your friend for a drink out of a sudden, there is something he/she wanted to show you. No matter what it may be, some people just don't want to reveal what MLM company they are representing.

Recently, my friend tried to make an appointment with me for his business presentation. He won't tell me what company and what kind of product/services he is dealing with. He insisted me to meet at a certain place and then go to their office. He said " he wanted to show me the office ". I tried to negotiate with him to meet somewhere nearer and more convenient for me because I 'm bringing a friend along with me for that appointment.

When one feel uneasy about the appointment arrangement, one may not go for it.

Sharing Experience

Life, MLM Overview 1 Comment »

Dear Friends,

Happy New Year 2010! to everyone.

This year, I turn 58.

I'm going to help those who believes that in order to succeed in life, he or she must work for it.

First, what is success to you? Success could mean anything to each individual. To me, success is having the freedom to do what you like to do and the money to enjoy the things you do.

We have only 24 hours, 8 hours sleep, 8 hours of work, and what do you do with the other 8 hours? I'm going to share with you what I did with the 8 hours, since the day I started my working life and I hope you can benefit from it.

I'm also inviting you to share your experiences, so that we can learn from each other. I like to leave a quotation each time I post in here. Thank you.

"Life Is What You Make It Out To Be"

Posted by : Hock.H.E.Tan

Swisscash

Life, People No Comments »

I sat on the table with a newspaper lying on it after ordering my breakfast.

The heading "RM31 Million Return" on the front page of the newspapers caught my attention!

Investors of the Get Rich Quick Scheme Swisscash who lost their investment will get some of their money. Security Commission (SC) managed to solve the scam involving RM31 Million and those who entitled for the returns will have to fulfill certain conditions including the proof as a principal investor and not involving any recruitment of other investors.

There are about 3,000 investors lodged reports and claimed their lost is because of their involvement in the internet investment scheme.

About 80% of the victims are male professionals.

Swisscash Internet Investment scheme was banned by the government and its website was closed in 2007.

Internet Investment

Life, People No Comments »

In 2006, you can see many people in the coffee shops with notebooks explaining to their friends about doing some investment through the internet. We could name it as an Internet Investment with very high returns.

People are looking for fast returns and without a doubt many turn to this kind of investment promising daily interest. Moreover with the help of so called "investment agents", mostly comes from MLM background, the news spread even faster. The daily interest depends on the amount invested. The bigger amount you invest, the higher percentage of returns.

The above print out shows the statement and as you can see, the "Earning" is the daily interest of 1% paid from Monday to Friday, No interest for Saturdays and Sundays.

There are also commission paid for every investor you refer to join this program. This is where the MLM people comes into picture.

The websites providing this HYIP (High Yield Investment Program) is called piclub.us and forexcapital.us to name some. There are many others appearing like mushrooms out of nowhere. Internet Investment was extremely a hot topic and this phenomenon disturbed the growth of many MLM companies.

Today, the government has put a stop to this schemes.

The last car

Life 2 Comments »

I am walking towards my car, going home after work. My car is the only one left in the parking lot. This is how working life looks like. Hopefully I won't be walking this way again and again until I retire! Sometimes, I get bored doing the same thing over and over again.

The only thing I have in mind at this time is to get home, take a bath and rest! So exhausted after the whole day at work.

Shopping Bill

Life No Comments »

The shopping list depends on how big your family is. The bigger your family, the longer it becomes. Anyway, for your info, the items you see in this bill will last for about 2-3 months. 

This shopping spree will happen on the day we had our salary. It is fun to do shopping, especially when you have the money.

Sometimes, we bought the things that we don't actually need, don't you agree? 

Shopping is one of women's hobbies don't you think?

Talking about expenses, it can comes from buying things with cash or credit card.

Return Of Investment

FAQ, Life No Comments »

In short R.O.I.

Where can I invest my money so that I could get a better returns?

Financial Institutions offer a very safe and secured return in a form of Fixed Deposit, which is 2.5% per annum currently.

But many people are diversifying their money into other areas that could give them a higher and faster returns. Its undeniable to avoid seeing more and more people nowadays going for a FAST and BIG return of their investment!

I am talking about Investment in a form of time and money. There are investments which generate its returns in a short time and some takes a longer time to acquire its benefits. And there are some that could never see the returns at all, and some loses more money in their investments.

Fixed Deposit is an investment without any risk, but it gives you a very small return. If one is looking at a higher returns of their investment, they should observe all the risk involved and be willing to participate that risks. As the saying goes "High risk, High returns".

What could we do with our money to make it work for us, instead of leaving them idle under our pillow?

Invest !!!

Take a look at these options, we have Unit Trust. We could also invest in Stocks and Shares. How about trading in Forex? We could survey and seek opinion of which is the suitable MLM business for us. How about starting a conventional business?

What are the chances or is there any guarantee that whatever that you have invested will finally give you the returns you expected ?

Come on, nobody could. I couldn't give you any kind of guarantee that you will be successful in your investment of money and time in MLM business. Or should I say, in any kind of investment ventures.

Gamble!

Is that the most appropriate word to use? Life is a gamble. We live our lives according to what we think is right.

Gamble in a calculated form is recommended rather than Gamble with our eyes closed. Gamble in business investment that gives you higher chances of success is a calculated risk investment. But gamble in a casino is a fifty fifty chance. Its human nature to try their luck in casinos. Perhaps, its greed in all of us. 

Anyway, always remember : never, never, never quit and never stop trying.

No Worries

Life, MLM Overview No Comments »


This is what I saw over my room window during my day off. I took my annual leave and I woke up early… STILL.

I should be in bed!

This cat walks around my block,

… but this morning I caught him sleeping like a log!

The cat has no worries at all. This is what reminds me of what it means to be in the position of  " F.I.P.F " – Financial Independence and Personal Freedom.

It means, you don't have to worry about the money and you have all the time in the world to enjoy what you love to do. No worries about money means you know where the income comes from and it will continues to generate every month into your bank account.

You could wake up anytime and sleep anytime you want and you know that you don't have to punch the clock in the office the next morning, because you don't have to be in the office, to be answerable to anyone. You are your own boss. No one is above you except for God.

I m not in bed because I have not obtain " F.I.P.F "

Something for Nothing

Life 2 Comments »

How to get  "Something for Nothing" ?

First of all, just ask ourselves this question : Is there such thing as Something for Nothing?

There is no such thing as a free lunch. Without doing anything, can we get something?

Its snowing outside and its cold. You wanted some heat in the house. You sat on a sofa looking at the fireplace,

You can’t simply say "Hey, stove… give me fire to warm the house! "

You have got to go out of the house with your axe to bring back some firewood.

Cut them into smaller pieces and put them in the fireplace before you light up the fire with a match or a lighter.

Only then, you will get the heat from a burning flame.

There is work needed.

One thing is for sure, You can get Something for Something.

It requires some amount of investment.

Goals = Work ( Time + Effort ) + Capital ( Money )

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