CIMB WA Financial Talk 10.07.09

11:13 AM / Posted by webmaster /

The global market have rallied for the most 2nd quarter 2009.

We are now in the midst of reporting season for corporate earning of 2Q 2009. While market is going up, there will people still talking about the economy going bad. There is a gap is because there is a LAG.

The reason for the LAG is because the market will recover, therefore is the TIME TO BUY NOW! That's why the market is climbing. Why must buy now? Because all is cheap, lower valuation and because most people invest for their retirement, education and many more which are mostly long term.

Principle 1; Investment Pyramid (general), core investment, medium risk and high risk portfolio.

Arnold LIM, fund manager
Reports

U.S-market

Unemployment rate is a lagging indicator. Why? When they cut cost, the company will increase recovery.

House to sell inventory getting low.

Manufacturing recovering

US home prices may take time to recover

We are in early stage of recovery

Malaysia-market

Overweight on banks, properties, oil and & gas, construction & steel.

Target KLCI 1270 by mid 2010!!!

GDP recovery strong in asia.

China- disposable income increased, auto sales increased, factoring are stabilizing.
Counted as much 12% of global GDP. US is about 20% GDP.

In 10 year China will bigger than U.S!!

China car sales is bigger than US

Taiwan-market

Increasing between taiwan and china.
China is supporting tech market.

Indonesia-market

The best growth in asia this year.

Us dollar slides due to
A) increased debts
B) issued more bonds

Comment on US currency

US is still the international currency.

For ITO product! It is now fantastic as it give more value to the customer!


Hope the summary will help customer and wealth supremacy advisor with the latest updates.

Kham Hashim
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Tazkirah Jumaat

8:23 AM / Posted by webmaster /

Tazkirah jumaat: dari Anas r.a. Nabi s.a.w bersabda: "sesungguhnya setiap sesuatu mempunyai HATI n hati al-Quran ialah surah YASIN. Sesiapa yg membaca Surah Yasin, nescaya Allah akan mencatat pahala utknya disebabkan bacaan Surah Yasin tersebut menyamai sepuluh kali bacaan al Quran"..~ riyawat Al-Tirmizi..


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HATI

7:53 AM / Posted by webmaster /

Tazkirah jumaat: dari Anas r.a. Nabi s.a.w bersabda: "sesungguhnya setiap sesuatu mempunyai HATI n hati al-Quran ialah surah YASIN. Sesiapa yg membaca Surah Yasin, nescaya Allah akan mencatat pahala utknya disebabkan bacaan Surah Yasin tersebut menyamai sepuluh kali bacaan al Quran"..~ riyawat Al-Tirmizi..

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Keith's Log of Lessons Learned Series Part IV

2:32 PM / Posted by webmaster /

Email Received from Rich Dad
KEYS TO THE VAULT
Keith J. Cunningham 
Quick Links
 
 
 
Keith J. Cunningham
2nd eiffel at nite

Log of Lessons Learned

Part IV: PERSONNEL
 
By Keith J. Cunningham 
Dear Khamarul,

In the late 1980's, the real estate market in the Southwestern part of the US collapsed. As many of my friends and business associates were experiencing the inevitable catastrophic aftermath of one of the greatest real estate booms in the history of mankind, we collectively decided to record a log of lessons each of us learned.

We had made scores of millions in the preceding 6-7 years and subsequently had successfully lost every last penny we had, and then some. We truly had unmanageable debt loads, no cash or cash flow and personal liability which far exceeded the market value of our assets.

Of even greater significance was the hit our egos had taken. We had our identity wrapped up in our financial success. When the success vaporized, so did our sense of who we were and what our place was.

We were anxious to get this phase of our careers behind us, lick our wounds and get on with our lives, but we instinctively knew that if we weren't careful, we would repeat the errors which caused the problem to begin with. We wanted to make sure that we accumulated twenty years of experience and not one year's worth of experience twenty times. Without learning the lessons, we would be doomed to repeat them, which was an unacceptable outcome given the pain we were in.

Historians will tell you that history may not repeat itself, but it sure does rhyme. The economic reality of 2008-09 has many of the same characteristics of 1989-1991.  Imagine over 3,500 banks disappearing in a four year time period, which is what happened in the late 1980's verses fewer than 100 banks in the current meltdown. Imagine commercial property being sold for 20% of replacement cost and rents for Class A office buildings being less than the taxes/insurance and Common Area Maintenance fees. This was our reality in 1989.

We wanted to be certain that we NEVER had to experience this kind of disaster again. The thinking was NOT that we could somehow control the economy or interest rates.... We can't. But what we could control was the thinking and strategies that allowed us to get caught in the tsunami in the first place.

As you read the lessons collected twenty years ago, you might be tempted to say this doesn't apply to me because I'm not in the real estate business. I can assure you the lessons are applicable regardless of the industry. You might be tempted to think these lessons don't apply because you didn't really have any debt or investments during this current crisis. The best time to learn the lessons is prior to making the mistakes.

Interestingly, most of us avoided repeating these mistakes in the ensuing 20 years.... Not because we were smart, but because the pain of the lessons twenty years ago was severe enough that we disciplined ourselves to avoid using our emotions to make what should be intellectual decisions. We established a set of rules and followed them maniacally. 

Over the next five weeks I will be sending a few of my favorite lessons learned in Strategy, Deals, Financing, Personnel, and Overhead. This is Part IV of my new Log of Lessons Learned Series.

Herewith are a few of my favorite lessons on Personnel as collected during the week of May 23, 1989....
PERSONNEL
 
  • Bench strength is critical. Hiring weak people begets weak results. Find the best people and compensate them VERY well.... It saves money in the long run.
  • The tougher the times, the better the people you need. There is no way to survive a bad market with weak people.
  • Mediocre people are easy to hire and difficult to fire.
  • Always be upgrading your talent and never be afraid to pay them what they need to make.
  • Any fool can make money in the good times.
  • One superstar is of greater value than an unlimited number of mediocre performers.
  • Never wait to address personnel issues or mediocre performance. Either they are doing a great job, or they aren't. If they aren't, take action. My job isn't to babysit or beg people to do their jobs.
  • The cost of being long suffering with an incapable or misplaced employee is far greater than the discomfort of having a tough evaluation and speedy termination.
  • A culture rooted in past successes, growth at all costs and aggressive bonus structures will produce employees who don't think, who aren't skeptical and who ignore risks.
     
 
Best,
 

Keith and Sandi Cunningham
Keys to the Vault
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Keys to the Vault | PO Box 30527 | Austin | TX | 78755




PENAWAR KEPENATAN

10:16 AM / Posted by webmaster /

 Penawar Kepenatan, amalkan...

   Bagi mengatasi kepenatan melaksanakan tugas-tugas seharian sama ada di
   rumah mahupun di tempat kerja, bolehlah jadikan petua yang diajar oleh
   Rasulullah s.a.w. kepada puteri kesayangannya Saidatina Fatimah sebagai
   penawarnya.

   Suatu hari Saidatina Fatimah mengadu kepada suaminya Saidina Ali bin
   Abu Talib tentang kesakitan pada tangannya kerana keletihan menggiling
   gandum untuk membuat roti. Saidina Ali berkata :

   "Bapa kamu telah datang membawa balik tawanan perang. Berjumpalah dia
   dan mintalah seorang khadam untuk membantu mu."

   Saidatina Fatimah pergi bertemu bapanya dan menyatakan hasrat untuk
   mendapatkan seorang khadam bagi membantu tugas hariannya di rumah.
   Bagaimanapun Rasulullah s.a.w. tidak mampu memenuhi permintaan anak
   kesayangannya itu. Lalu Baginda s.a.w. pergi menemui puterinya serta
   menantu itu. Baginda s.a.w. berkata:

   "Apa kamu berdua mahu aku ajarkan perkara yang lebih baik daripada apa
   yang kamu minta daripadaku? Apabila kamu berdua berbaring untuk tidur,
   bertasbihlah (Subhanallah) 33 kali, bertahmid (Alhamdulillah) 33 kali
   dan bertakbir (Allahuakbar) 33 kali. Ia adalah lebih baik untuk kamu
   berdua daripada seorang khadam."

   Inilah penawar ringkas yang Nabi s.a.w. ajarkan kepada anak dan
   menantunya bagi meringankan keletihan dan kesusahan hidup mereka
   berdua.


   Saidina Ali terus mengulang-ulang kalimah-kalimah Rasulullah.s. a.w.
   ini.

   Katanya "Demi Allah aku tidak pernah meninggalkannya semenjak ia
   diajarkan kepadaku."

   Sayugia dicadangkan kepada ibu-ibu, suami-suami atau sesiapa sahaja
   yang merasai kepenatan setelah melakukan tugas-tugas harian supaya
   mengamalkan membaca 'Subhanallah' (33 kali), 'Alhamdulillah' (33
   kali) dan 'Allahuakbar' (33 kali) pada setiap malam iaitu sebelum
   melelapkan mata.

   Lakukanlah dengan penuh ikhlas dan istiqamah (berterusan) , Insya-
   Allah petunjuk abawi ini mampu menyelesaikan bebanan-bebanan hidup
   seharian kita. Akan terserlah ceria di wajah pada keesokan hari dengan
   senyuman.


   "Sebarkanlah ajaranku walau satu ayat pun" (Sabda Rasulullah SAW)


   "Nescaya Allah memperbaiki bagimu amalan-amalanmu dan mengampuni bagimu
   dosa-dosamu. Dan barangsiapa mentaati Allah dan Rasul-Nya, maka
   sesungguhnya ia telah mendapat kemenangan yang besar."


WS PICNIC DAY @ 11 JULY 2009

1:29 PM / Posted by webmaster /

SAHUT CABARAN

9:46 AM / Posted by webmaster /

Hari ini, 2.7.09, pada pukul 9 pagi, seorang kanak2 yang BERANI dari MALAYSIA bernama ZAHARAH MOUSAMAH telah menyahut cabaran untuk merentasi SELAT INGGERIS. Bersama-sama kita mendoakan KEJAYAAN beliau.
Leader! Let us take the challenge to be NO.1 team in Financial Industry. move together and make a BIG WAVE! Suzana-AM
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NEVER WORK AGAIN REVIEW

7:18 PM / Posted by webmaster /

From Never Work Again-T Harv Eker


From Never Work Again-T Harv Eker


From Never Work Again-T Harv Eker

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Congrats faizal!!!

2:37 PM / Posted by webmaster /

Fantastic news!!!! MDP JUNE is already in my hand :) I had submiited RM1.2 Million for ths month! Here, i want to show my utmost gratitude & thankful to my great GAM abg kham & kak fiona for ur knowledge & ur support until now.. To all my supportive friend, associates & my lovely downline, i'm waiting 4 ur breaking news too! Lets we challenge each other, & go all out for MDP JULY!!! Yeahh!!! ;)) - FAIZAL MDP
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Proudly Wealth Supremacyian-NEWS CIMBWA

7:29 PM / Posted by webmaster /

From International Takaful Operator

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AMAZING SEMINAR EXPERIENCE!

1:54 AM / Posted by webmaster /

Salam untuk semua associates di Wealth Supremacy, dearest clients and friends!

It has been a wonderful 4 days seminar in Singapore from the 25th June until today 28th June 2009.

Its an AWESOMELY great seminar that I am updating you while I am still in my tour coach traveling back to KL. :)

I just decided that I can't wait till tomorrow!

SO, WHAT'S the BIG DEAL?

In this seminar which is called 'NEVER WORK AGAIN' by T HARV EKER, has introduced to us how to be FREE and RICH!..... Yes! RICH and FREE!

Maybe just like some of you... 'Ya! I heard that before!' Guest what? I was thinking the same thing too! :) but it was not as I thought it would be.......

A lot of people including myself would want to be rich and make lots of money! Why? Research shows that, we want to have a better life. Better lifestyle, more time with our family and retire successfully....

So, what do we do? Work harder, mostly end up with spending more at work, more money BUT still NOT FREE!!!!!!

The trick is to be FREE and RICH!!

I got the opportunity to learn how to do that with MULTIMILLIONAIRES T HARV EKER and 19 MORE of them !!!!!

AWESOME!!!! The best part???? My favorite, the REAL 'RICH DAD' featured In the 'RICH DAD, POOR DAD'.....the amazing MR KIETH CUNNINGHAM!

Want to KNOW the SECRET???

Will share it with your tomorrow! With more photo!

Check out my photo with 'RICH DAD', KEITH CUNNINGHAM!


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U r invited to Wealth Supremacy Picnic Day!!!!!

7:55 PM / Posted by webmaster /

All friends and members are invited to the Grand Wealth Supremacy Picnic Day!!!!

Venue : Pengakalan Balak Melaka

Date : 11 July 2009

Time : 7am (gathering at WS office)

Departure from WS Office @ Pusat Perdagangan Pelangi, Pelangi Damansara, PJ

Call for booking : 03 7725 2880

See u there!!!!!

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Wealth Supremacian and Banner :)

7:07 PM / Posted by webmaster /





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Tremendous Goodies to be given away!

2:06 PM / Posted by webmaster /

Dear leaders, I was excited with the commitment shown in the class yesterday. I believe your success is an inevitable! Stay focus, discipline and dedicated! Wealth Supremacy and you no 1! Luv kam
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1st Qualifier - I PRIME ASSURE

9:44 AM / Posted by webmaster /

CONGRATS EMIYANTI! LETS JOINT EMIYANTI FOR MONT BLANC FEAST! :)


DOA MURAH REZEKI

10:44 AM / Posted by webmaster /

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AYAT SERIBU DINAR

10:24 AM / Posted by webmaster /


BISMILLAH IR RAHMAN IR RAHIM
MARI KITA MULAKAN HARI DAN USAHA KITA DENGAN
MEMBACA DOA. AGAR USAHA KITA DI RAHMATI ALLAH.
INSYALLAH.

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Tazkirah

9:50 AM / Posted by webmaster /

Assalamualaikum

Tazkirah Jumaat: Drpd Abu Hurairah r.a, Nabi S.A.W bersabda,

"Allah S.W.T berfirman: 'Wahai anak Adam! Luangkanlah dirimu untuk beribadat; nescaya Aku akan penuhkan dadamu dengan kecukupan, dan Aku menutup kefakiran kamu. Jika kamu tidak melakukannya nescaya Aku membuatkan diri kamu sentiasa dalam keresahan dan Aku tidak menutup kefakiran kamu'
(HR Al-Tirmizi). Salam & Doa utk kalian..
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Congratulation!!!!

10:47 AM / Posted by webmaster /

We are so proud to announce that our EMIYANTI is the 1ST in CIMB Malaysia to close I PRIME ASSURE!! WOW!

She deserve the recognition!



Congratulation!!!



Let's get inspired and get u to be recognised just like emi personally by CEO Mr Tan Benq Wah!





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Financial Talk 17.06.09 by Mr Tan Beng Wah

10:29 AM / Posted by webmaster /

Don't waste a great crisis!!
This is the moment that we should advantage.

"The intelligence and smart people comes in 6 months ago" Mr Tan Beng Wah

China still the no 1 growth, followed by Vietnam and Indonesia.

Why poeple still believe market still going up even if the valuation is high?
1) Market still Growing
2) Many liquid cash in the market

There is LAG between economy and capital market.

Capital market move faster than economy.

Is it the right time to invest????
Depend on your time horizon. If u have time, 3-5 yrs and above, then this this the time!
If u want to use the money within a few month, the don't invest.

China

China will be overtaking japan economy by NEXT year!!!

CIMB Islamic Greater China Fund is taping into this market.


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