How Much are You Worth?

We are living creatures who are analytical in nature. We study and come out with solutions to different matter or problem. We decide according to the figures which is calculated and come out with a solution.

In marketing, we place people into categories. It might sound bias. Why? First of all we are judging people based on their net worth. The amount of experience doesn't mean that the person is capable financially. A proper analysis has to be done. Keep aside the status and look at the marketing strategy. Marketers have to do a study of the market. They must know who are the spenders and those who aren't able to spend. This will make things easier or straight forward. It also safe time.

Those who are able to spend are those who are working or earning a stable income. The wealth of a person is based on the savings that a person has. How do we calculate savings. Net income minus whatever expenditure equals to savings. It is appropriate that a person safe 10 percent of his/her income. Take for example, Jack earns $2000. 10 percent of $2000 is $200. It is important to safe for the future and retirement.

Where can Jack safe his money. He can open an account with the bank which is the savings account. He can also make an investment with any unit trust company. Jack is able to hedge against inflation and see his money grow by having regular savings. Another method is by saving up with an insurance company. Nowadays insurance companies do come out with plans which help one to safe while getting a sum assured. There are also retirement plans that provide saving plus protection. One can have no hassle when come to their retirement or when they need medical treatment. Their worries are all answered by the insurance company.

The net worth of a person is the amount of cash he has in hand and also the amount of investment he has made. Most of the time the real value of the person is an assumption due to the outcome of the investment the person has made. Why? This is because the investments that the person make might derived profits or loses. In this case it is based on the future performance of each investment portfolio that person has made.

So the question is, how much do you worth?

You Are What You Eat.

We are what we eat. Many would agree with the following statement. We don't realized that the food we put in might have severe effect to our body. A person without awareness will surely gobble everything which is being fed to them. Food education is very important because we need to know what to eat and how much of a portion. Eat correctly is important and essential to have proper health and growth.

We can't say not to eat at all. Our body need nutrition and appropriate supplements to keep us strong and healthy. The choice of not eating at all is not correct. We must eat but we must know what we are putting into our body. It is simple sense, garbage in will derived garbage out. The food that we take in might cause an effect to our internal organs such as our liver and kidney. Too much sugar and fats will cause diabetes and also blockage to our arteries. The fats which accumulated in our blood stream will cause our heart to work harder and very soon our heart will fail us.

Malaysia is blessed with various types of local delicacies. Since it is a racial country, we have lots of different kinds of food. These sort of food can be unhealthy especially those with lots of oil or deep fried. The amount of fatty fats is high in content and this is very bad for our heart. Fats is essential to our body but we must take in good fats. Those fats which are sustainable will cause blockage to our main arteries and soon we will have heart failure and so on. We can eat but we must control on our intake and not to try to eat either oily or salty food.

Exercise is very important. It is as important to taking essential vitamins. We are kept alert when we do a fair amount of bodily exercise. This will improve our blood circulation and also to keep our body fit. There are many forms of exercise. We can go for morning walks and this will keep us fresh and up and going for the day. It is always important to drink lots of water too. Water will help us to wash away all the toxic and also to keep us rejuvenate.

The idea of joining a marshal arts class will help to improve our overall being. We will learn to be more discipline and also we will remain fit and ready. In these sort of classes, we are training our body and mind to focus on the things that we are doing and not to laps. Once we train ourselves and keep the morale going, we will find that we have no problem falling back when we go out of the norm.

Always remember that everything that comes easy will never last. Every day is a learning curve and we become stronger by doing exercises. We need to start with a well foundation and with that we are able to go back in line when ever we deviate. Best of luck to everyone and keep a healthy body and mind. A healthy person is always a joyful person.

The Rise of Medical cost Yearly.

Not many people can ill afford to fall sick let alone receiving long-term treatment such as tumor or cancer. This is a problem to many as they will be treated as an out-patient or worst, no place for them if we do not meet the criteria of the hospital. In short, we do not have the resources to be admitted into the hospital if there is anything which is unforeseen.

It is very distressing at times. Due to the increase in the cost of living and no changes in our income or salary, we will feel the pinch when comes to medical bills. If we can't pay a deposit, hospitals will have the right not to give treatment to us and this is a far cry a problem.

There are methods to solve our problem. One of it is redrawing our savings from the bank or unit trust company. How many can ill afford to do so? Again, with the rising cost of living, everything is getting expensive while there is no changes to our income. Not many can leave a luxury or have savings. We have to be thrifty and spend within our means. We must put aside some money for our saving and to meet the demands of the future because we would never know when we need that sum of money. Yes, we can have options but yet again, not many will have the luxury to spend. In times of need or when we need to be admitted to the hospital, without a plan or saving, we will never get to be treated and we will leave in agony. Why put yourselves into such trouble?

Cry no more. You can reduce your burden when you sign-up for a health plan. You pay a little bit but you are covered. You are given first-class priority when admitted to hospital. You are able to be boarded. No one is going to chase you away because you have the right to receive treatment. With the medical card, you can just show to any private or government hospitals and they will accept you without any conditions. You surely have done a right thing by saving up a little but getting a huge sum of benefit. You will not have the headache again when receiving treatment or being admitted to the hospital. You are rest assured that you will have such treatment compared to those with lots of money. Why spend so much when you spend a bit by signing up for a policy which is well taken care of. A right frame of mind will tell you that one surely need such protection.

There rise in diseases such as chronic, hyper-tension, cancer, stroke and so on is due to the stress in today's competitive environment. One will have less rest and lots of worries and anxiety. Put aside a sum of money just in case we need them for our medication bills. It is always wise to be ready because there is no way we can go against the force of inflation but to leave it to institutes that is recognizable and have the financial support.

Are you well covered?

Loving It.

The reality of waking up early and getting to work is a total disaster for me nowadays. I am just too stubborn to move myself to get to the place of work. I am not sure of the reasons but I am sure this is getting to be the dreadful habit which I am immune to. This might sound costly and not right. There will be implications which might sound awfully wrong.

The only answer is to love what you don't love doing. There is a saying, if you love your job you work no longer but remained joyful. No matter what the consequences are if we put on the right mood when we work, we work no longer because work will become a fun thing and it will become enlightening instead of a burden.

Some homework has to be done in order to have such privileges. Finding the right tune is always challenging but it will be rewarding if we find the solution.

My kind of job is based on performance and production wise. No production, no salary. It is that simple and finding the right tone for the job is all that matters. My job is very different than a desk job because I have to be out at the open sun to get the business coming in. This is obviously very challenging but it helps me to stay fit and healthy. Less activity means less exercise and less exercise means unhealthy. Besides that, I learn to be more discipline and also versatile because it gives me the drive to succeed and there is no other than a marketing job.

My job requires me to make as many calls. The numbers are large and this is the only way to close a deal. I have to say I am a bit afraid to make calls. I feel that I might offend the other party over the other side. The worst scenario is get rejected in a harsh way such as slamming of calls and so on. These are the challenges that I face but it some how become a norm to me and I am now unfazed about those bad moments. Back to the topic above, loving what you do. If you love and adore what you do, no matter what the consequences you will persevere to the end.

Closing is as important as opening a case. I would say opening a case is very simple. The only difficult part is closing. This means getting the prospect to sign on the dotted lines. This is an art and there are many ways to close a deal. I might just need to attend more classes on closing a case. Timing is all important in closing a deal as waiting too long or procrastinating will spoil the mood of the person and closing might become more difficult. Be more observant and look at the reaction of the person before making the move.

I am now loving myself and work. Yes, loving yourself is the first step to loving what you do. Try to reward yourself after a success. This will surely help you to move on and to love your job.

What now?

The silent cry.

The speaker is too loud. Tone it down. Noise are always a disturbance. Yes, especially people are not in the mood of such noises. The right timing is very important because untimely noise shall disturb the peace of people. The response might not be right and people will feel agitated.

Hopes starts with a dream or a vision. We discuss within ourselves. Most of the time we do not voice it out or make it a statement. It is very important that we put our attention to those plans which is in our mind. The reason of not exposing our plans is because we might be distracted and in the end we are unable to put our whole mind into our plans and end up making unachievable plans.

The field outside is where we demonstrate our plans. There is no error. The only time we can make suggestions are when we are at home or with ourselves. There is surely to be many questions to solve and we can do it by making many assumptions when we are with our own. How can we start? The only way is to go out to society and get the experience. Once we are at home or on our own, we can do our own self study and come out with many answers to different outcomes. This is call the learning process. As often as we study those outcomes, the better we will get because we know how to react to such response and not to create an awkward situation when we are in the real situation.

Obviously we can have plans. Plans which we have to list down. By listing down we are able to know what to include in those plans and what to be expected. This will surely help in our time of test. It is surely challenging the first round as we don't know what to expect and it might be our first time and we might feel lost. Keep those experience in our mind because it has to be digested when we share it with other people or on our own when solving the problem. We have to tally those real life situations with the ones we have written in the plan so that we can make analysis. The analysis part is the most important. This is the time where we do trial and error so that we know how to expect in the future when we go meet with our task.

It is okay to be rough when we are on our own. It is very common and fine. Go against nature when we are on our own. This is to unwind ourselves. It also helps to reduce our stress level or anger. This will give us a better idea of what is to come and it helps us to be sober. There are many situations where will trigger pain or anger but if we learn to control our emotions, we will be quite smooth sailing. It is only a matter of time we will be ready to face such challenges and to come out strong. People who are street wise when they are small will surely have no problem with controlling their emotions when they grow big because they have to face such matter when they are young and they learn better.

We have to understand the problem to any matter and come out with a solution. The journey of any subject is difficult but if we do some homework it will reduce the problem and matter to achieve such problem into opportunity. Hope you the best of luck and happy always.

A challenge.

It is better to admit then to draw false conclusion. Worst, false impression and false talk. We have to admit when things aren't going our way before people might have the impression that we are not performing due to our laziness. There is nothing wrong admitting that we can't solve a matter rather then continue living the false hood and later having other thinking that we are not capable.

Doubt is the biggest mistake. In a race, it is not about winning but it is about taking part. Obviously there would be second and third place and more. Taking the first step is always important because by taking part, you have already won the race. Imagine if we just stay at a point, will there be any changes? The answer is definite, which is no.

It is easy to sing the same song over and over again but to tell the truth, it take lots of courage to move a step. The whole challenge is something that will stick to us for the rest of our life. That is why most people say the first step is the hardest but after that it is in auto pilot. Take for example, the most important thing for a pilot to handle the plane is when taking off and landing. They have to shift the paddle the right time when the plane is on the run way and taking off. Making an early or late move will be hazardous or malice. We need that extra instinct to see the right time to make the move and when not to make the move.

Working in the real world is so different then studying. Yes, you might have the knowledge but without having the right skills and making the right move, you are not able to survive. It is reality where most of us have to face when we come out or graduate. Some have that natural instinct because they have it since young but many only learn it when they come out to work. This sort of thing has to be in build and the only thing is through many practices. Street smart or book smart is more important?

There is nothing to shout about when gaining a success. You won't know the next one will come. If we pamper ourselves too much then we will feel upset when we meet with failure or rejection. The best is to remain sober and try to meditate. In times of difficulty, we need to pray for strength to continue the dreadful and bitter path. Everyone has to go through the same path and it we can't escape from these difficulties. You will always ask yourself why for the answer to our problems.

This world has full of colors. That makes the world an interesting place to leave in. Yes, no doubt there are dubious people in this world but we have our own method of approaching them. After all, no man is an island. Everyone has their own reasons and you can't draw a conclusion by looking at a couple of test. It is a bit bias plus wrong. We are going against our believe and it won't benefit in terms of morality.

This world is a crooked world and a place of foolishness. It might sound disturbing but it is true. We just have to accept facts. People will only degrade you if you are mundane or not performing. I am NOT ranting but due to human nature, here is just the best place to rant. I prefer to remain who I am and not to care what is said no doubt those saying are true which I have mentioned earlier. Victory is all but in vain. No one is going to pet your back and believe me no one if you are successful. I am all ready to accept the fact I am not the best of the best which some people are just too stubborn to admit their faults. One day you will get trap and feel miserable knowing that you are leaving a lie and leaving a life that isn't you, yourself.

I prefer to grow on my own space without any pressure. Think about good health and also our energy. We eat rice to grow and we do a little bit at a time to achieve our aspiration. I am sort of fortunate to have life and that won't change the fact that things will only get better and better at my own space.

Do you have it?

There are many obligations that we have to face in life. We have to fulfill our needs first before we can look at our wants. Most of the time we are overloaded with expenses and we don't know how to settle our accounts. Most of us if not all will feel lost and agitated. Who do we look to for advise?

We can consult our best friends. They can only show us a plan but they can't work the plan for us. We are sure to be lost. There are a few places our friends will inform us. They will ask us to safe in the bank. Yes, most of us will choose this method.

The idea is not wrong. The bank can to a certain level help us to finance our money. Yes, they can help our money to grow. There are some glitches if we safe our money in the bank. Let me now explain to you.

The money we safe in the bank will be temporarily used by the bank to make further investments or borrowing. Our money might not be secured. Furthermore, the interest given by banks are at a substantial amount. Why not we invest our money in other financial institutions for better returns.

We, at Prudential will make sure that you have a better future. We help you grow your money in leaps and bounds and you don't have to worry about your future expenses. Besides that, you get health coverage and hospital benefits which suits your needs. You as a consumer or user do not have to worry when time of need. You are guaranteed to be secured. Why not consider this great plan?

Are you prepared to retire in the age of 55 years old? Most people who do not have a life or saving plan will run out of their hard earn money after 3 years prior to their retirement. This would be a problem. Are you able to pay for your medical bills? Every year, hospital charges and bills are increasing in amount and this would be a burden to many if they do not have a plan. Why not let us at Prudential help you to manage your risk? You won't have to worry about sourcing for funds or go into borrowings when you sign up a plan with Prudential.

A prudent wealth planner will first study the financial needs of a prospect. We will study if you as a consumer are fully protected and also covered. Most companies only offer a basic amount of coverage and most of the time they do not provide medical benefits such as hospital benefits where in times of need will only need to show the card. If you are looking for a better life style, we have plans that give you back cash return at a compounded interest with bonuses paid out. Instead of getting such minimum amount from banks, why not considering a plan which give you back more?

Once again, I would like to stress, do you have plans that take you into your retirement age?

My Dreams.

The year of the tiger is almost coming to a standstill. The tiger will invite the rabbit into the lunar month coming February. I am praying that the year of the rabbit which is 2011 would be a fantastic year. I foresee that the year of the rabbit will start with a full flash of prosperity and luck. Many people predict that the first half of 2011 would be a fundamental start and after that it would be a great year for the economy as a whole.

I would like to wish everyone luck and prosperity. The year of the tiger was a the year where everything started for me. Towards the end of 2010, many plans were rushing through my mind to kick start the year 2011 with all the plans that I have thought of.

Being human, I have many wishes. I have many plans. But I don't know where to start. How to start? Listing down all my wants and dreams was the answer to my problem. It is much better to list down so I can plan properly and not miss any. I did it and now it is 2011 and it is time for me to start all my plans.

Career wise, I have to work extremely hard for the first quarter of the year 2011. This will enable me to go a little slower in the third and fourth quarter of the year. My job is to see as many people as possible. It might sound tedious and it is but after knowing and getting people to trust me, I might just strike a deal and rest or go slow.

This year, I am planning to visit parts of Malaysia. The first trip will be to Penang and Ipoh. The second trip will be to Malacca and finally to Genting some where end of the year.

The best achievement would be reaching RM9,000 a month. In order to do so, I have to get at least 250 cases approved. The figure of 250 might sound big but I have sort them out and it might be not a burden. The action plan and than execution. The execution part is the most challenging part but yet interesting. There will be lots of feedback but those feedback are just case study to me so I can improve my persuasion skills. After all, savings and protection is a need today.

My long term dream is to buy a house. Houses nowadays are so expensive. They are getting more and more expensive over the years. A house is a good investment. I have to work even harder but I don't have to if I work persistently.

A mission can't be achieved over a year but it takes at least 5 years to make it a reality. Whatever is mentioned above will be brought into the following years to come. Ever year there must be improvement. Feedback and case study is very important. It will determine where we are standing and what we are lacking to further improve. We need to benchmark ourselves with the previous years and in this case, month.

Again, it is time for me to reach the first mark which is reaching a net income of RM 9,000 a month. Time to start the ball rolling. I am leaving the dream!