@LoY's bLoGgeR

Quote for Today!!

2009-11-13T17:10:00.000+08:00

A cardinal principle of Total Quality escapes too many managers: you cannot continuously improve interdependent systems and processes until you progressively perfect interdependent, interpersonal relationships.

Public Mutual to launch fund

2009-07-07T22:11:00.000+08:00

KUALA LUMPUR: Public Natural Resources Equity Fund, to be launched by Public Mutual Bhd today, is expected to take advantage of the region’s natural resources sectors given the revived demand among fast-growing emerging economies like China, India, Brazil and Indonesia.

Demand in these countries was driven by rapid industrialisation, urbanisation and rising consumerism, said chairman Tan Sri Teh Hong Piow in a statement.

Article about Balanced Fund at Public Mutual website

2009-06-26T11:53:00.001+08:00

The ugly truth about our Financial needs

The following blog entry is not meant to scare you but just to inform you on some financial statistics and my take on it.

Studies have shown that most people finished their retirement savings, ie EPF within ten years. There are some who finished them within three years. I did read it in a newspaper somewhere, but forgot to make a cutting out of it. However, I found this on the internet. Look at the 31.07.05 entry

The following is taken from Public Mutual’s brochure titled ‘Ensuring Your Pathway to Financial Freedom’. The assumption that we spend RM40,000 per annum is very true to me, because I do keep track of my expenses, and surprisingly it does reach an average of RM40,000 per annum. And it IS alarming that, assuming after retirement, we require the same amount of money per annum, then, after taking into consideration the inflation rate, and how after retiring at 60 years old, we have about 20 years more with no regular income, then, we need to have at least RM1,143,376 to get us through:

"Retirement Planning

The key to a comfortable retirement is being able to maintain the lifestyle to which you’re accustomed as well as having the option to do more: more travel, more time with your grandchildren, more whatever you choose. Having that option lies in having the foresight to start planning now.

Here’s an example: your goal is to retire in 20 years and maintain your current lifestyle during retirement. Let’s assume you currently spend about RM40,000 per annum to maintain your current lifestyle. If inflation remained at 2.4% per annum, in 20 years’ time, that annual expenditure would grow to RM64,278 per year. In other words, you would need RM1,143,376 to last you for 20 years in retirement (assuming that inflation is constant at 2,4% and retirement funds are saved in a capital preserved vehicle, such as a fixed deposit account that gives you a return of 3.7% throughout your retirement years). RM1,143,376! Quite a tall order you might say- but all you have to do is save RM1,928 per month into an investment vehicle that returns 8% per annum for 20 years. However, if you had started investing 10 years earlier (ie for 30 years), you would only have to put aside RM762 per month. The earlier you start saving, the harder your money can work towards your retirement."

In terms of initial lump sum money, the following is my calculation. Let’s use above Public Mutual’s brochure figure of RM1,143,376 as our target saving. Let’s use Public Ittikal actual returns as an example again. This way, we are assuming that there will be three market crashes per ten years, which I think is quite reasonable. Let’s say we are 30 years old now. And we will retire at the age of 60 years old. Since Public Ittikal’s actual returns span for 10 years only, let’s duplicate that 10 year returns 3 times so that it becomes thirty years. Using my preset calculation table using excel, the initial lump sum money that we need to invest is RM35,500, with the following breakdown, in order to get RM1,143,376 in 30 years:

Year	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016
Annual Return (%)	-10.53	22.27	29.99	-18.42	18.84	1.23	28.95	7.24	12.91	46.13
Accumulated Return (RM)	31761.85	38835.21	50481.89	41183.13	48942.03	49544.02	63887.01	68512.43	77357.39	113042.35

2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
-10.53	22.27	29.99	-18.42	18.84	1.23	28.95	7.24	12.91	46.13
101138.99	123662.64	160749.07	131139.09	155845.69	157762.60	203434.87	218163.55	246328.47	359959.79

2027	2028	2029	2030	2031	2032	2033	2034	2035	2036
-10.53	22.27	29.99	-18.42	18.84	1.23	28.95	7.24	12.91	46.13
322056.02	393777.90	511871.89	417585.09	496258.12	502362.09	647795.92	694696.35	784381.64	1146216.90

So, it’s up to you. You can either put in a lump sum money of RM35,500 and let it grow for 30 years (and make sure you don’t get tempted to withdraw it halfway through ;-) ), or you can, as per Public Mutual’s brochure above, save RM762 per month for 30 years.

The paper cutting below shows a worse statistic (click to enlarge): Most Malaysians not saving for retirement. If you are reading this blog, then, I think you are not one of them, but, I think, it’s good if we remind our family and friends about this fact, so that they don’t become the statistics

Unit Trust Funds DO provide better returns than ASB in the long run

You might wonder how unit trust investments would fare against Amanah Saham Bumiputera (ASB). It's really hard to say because the unit trust market is very unpredictable as opposed to ASB which gives out dividend at a consistent 7-10% every year. But, maybe I can use Public Ittikal’s actual performance as an example. However, please note, as usual, PAST PERFORMANCE DOES NOT GUARANTEE FUTURE RESULTS. Public Ittikal is the oldest Public Mutual Islamic Fund, launched in 1997. As a result of that, it has gone through all the ups and downs of the unit trust market for the past 10 years. This include the 1998 economic crisis (‘gawat’ period), the 2001 dotcom bubble burst and 2003’s SARS when the returns sometimes even went into the negatives. However, you will see that even after taking all of those years into account, the returns from Public Ittikal after ten years are still higher than ASB. Let’s take an example of a lump sum investment of RM50,000 on the first year of investment (1997) in both ASB and Public Ittikal.

The table below shows the actual yearly returns of Public Ittikal in percentage for the past ten years, and the accumulated returns in RM for an initial lump sum investment of RM50,000.


Year	1997	1998	1999	2000	2001	2002	2003	2004	2005	2006
Annual Return (%)	-10.53	22.27	29.99	-18.42	18.84	1.23	28.95	7.24	12.91	46.13
Accumulated Return (RM)	44735.00	54697.48	71101.26	58004.41	68932.44	69780.31	89981.71	96496.38	108954.06	159214.58

The table below shows the actual yearly returns of ASB (including bonus) in percentage for the past ten years, and the accumulated returns in RM for an initial lump sum investment of RM50,000.


Year	1997	1998	1999	2000	2001	2002	2003	2004	2005	2006
Annual Return (%)	11.5	10.5	12	11.75	10	9	9.25	9.25	9	8.55
Accumulated Return (RM)	55750.00	61603.75	68996.20	77103.25	84813.58	92446.80	100998.13	110340.46	120271.10	130554.28

As you can see, the difference is almost by RM30,000. And that is if we just leave the money in the Public Ittikal fund and not do anything about it when there is a market crash. If there is a market crash and we protect our investment by following the methods I mentioned in here, we might do even better

So, it’s clear that saving in a Unit Trust Fund DO provide better returns than the other high performing investment vehicle out there

Public Mutual launches Public Islamic Asia Balanced Fund or PIABF

Today, Public Mutual launches a new fund, Public Islamic Asia Balanced Fund (PIABF). As we all know, when there's a word Balanced in it, we know that the exposure will be about 50% in Equity and 50% in Bonds and Money Market. The difference between this fund and PIBF is that, with this fund, 60% of the fund's net asset value will be invested in selected regional markets which include Japan, South Korea, China, Taiwan, Hong Kong, Philippines, Indonesia, Singapore, Thailand, Australia, New Zealand and other approved markets.

Personally, to me, since I am quite young, I don't prefer investing in Balanced Funds. When we are young, we prefer to take risks and so, I prefer investing all of my money in funds which are exposed to almost 100% in Equity. If I were to group people into age groups and the type of funds they should be investing into, it would be something like below:

Type of Funds	Age range
Equity Funds	18-45 years old
Balanced Funds	46-55 years old
Bond Funds	56 years old and above

Of course there are other factors too like income, and lifestyle etc, but you get what I mean. If you don't like living on the edge, then, this fund would probably be suitable for you. But if you do, then, you might want to give this a pass.

If you are interested, then, you know the drill. The issue price is RM 0.25 per unit. Public Mutual, as usual, during the initial offer period of 21 August 2007 to 10 September 2007, extends a promotional service charge of 5.45% of NAV. However, an additionally new promotion this time is that Investors who opt for Direct Debit Instruction with PIABF during the offer period will also enjoy promotional service charge of 5.45% of NAV per unit for as long as the Direct Debit is active. Minimum initial investment is RM1,000 and minimum additional investment is RM100. For more info, visit http://www.publicmutual.com.my/

Switched back from PIBOND to PIOF

After seeing how the stock market staged a rebound on Monday here, I switched back the units I transferred to PIBOND back to PIOF. However, this morning news on worrying outlook on credit crunch here makes me think that I might be wrong in thinking that the market is starting to recover :-(

Playing the Market, aka Protecting our Investments

All of us wish that our unit trust funds will forever grow and grow. However, in reality, since Unit trusts also invest in the stock market, it is also exposed to its volatility, as is evident right now with the KLCI plunging due to US sub-prime mortgage market woes and the subsequent credit crunch worries that affect markets around the world (I hate it that US dictates every aspect of our lives, including the Stock Market >:-( ). As a result, all Equity unit trust funds (like PIttikal, PIEF, PIOF, PIDF, PAIF, PIADF) take a nose-dive too. Returns in the highs of 30-50% at its peak at the end of July dwindled to 20-40% in just a matter of days. So, what can we do to protect our investments? Of course we can take our money out, also called repurchase in Public Mutual Unit trust transactions. However, at the same time, we want to continue saving our money in unit trusts, and thus, some time in the future after taking out the money and the market has stabilized again, we will reinvest the money in unit trust again. However, what we have to remember is that, when we reinvest, we will be subjected to the Service charge again, which range from 5-7%. So, we roughly need the fund to perform with a return of at least 10% (from buying the unit trust twice) before we recover our money or break even and start generating returns. Is there a better way of protecting our investments? The answer is yes. Public Mutual offers switching, where we can switch from one fund to another, and this include switching to Bond funds (like PIBOND and PIEBF). As we know, Bond funds are basically loans, with almost consistent returns. The good thing about Bonds is that they are not exposed to the Stock Market. So, when the stock market is going through a rough period, we can switch to Bond Funds, and can rest assured that our returns that we have accumulated so far won't be wiped out in a matter of days. When the market has stabilized again, we can reswitch to Equity funds. The advantage to this is two-fold- first, we save from paying the Service Charge twice, and secondly is that, if we switched when the price is at its peak, and reswitch when the price is low, we will get more units in the Equity Fund than we initially have, with the same amount of money. Take for example, the current situation. Let's say on 29 July 2007, when the cloud started to appear due to the US sub-prime woes, we switched 4,599 units to PIBOND. PIOF Buy Price on that date is 41.75sen/unit. Therefore, we get RM1,920 from the sale. PIBOND Sell Price is RM1.0107, and so we get 1875.02 units from the switch. Let's say we switch back to PIOF today (16 August 2007) when PIOF Sell Price is 34.48sen/unit. Today's PIBOND Sell Price is RM1.0103/unit, and so, for the 1,875.02 units we get RM1,894. So, at 34.48sen/unit, we get 5,493units, an increase of almost 1,000 units!! or to convert it to monetary value, RM308.8, or in percentage 16%. That's not such a bad return for an 18-days period. And that is how we 'Play' in this Unit Trust Fund market. Of course price drops in Unit Trust Fund is never preferred, but when things are bleak, we want to protect our investments, and this is one of the ways that we can do it (note: Actually, PIOF declared its distribution of 4sen/unit on 31 July 2007, or about 10% (the main reason for the significant price drop), and so, the actual return from the 'Play', is only 6%, but still not such a bad work considering it's in 18 days only. It all sounds so good, doesn't it? But where's the catch? Well, for every switching, you have to pay RM25. So, if you have very little investment, maybe it's not worth it. So, what would be the best minimum amount to have in your account before you can consider switching? There's no hard and fast rule to this, but in my opinion, it should be about RM10,000. You might want to do switching a little at a time, and not all. The thing is, we can never predict what's going to happen in the world of the Stock Markets. Follow your instincts and read the Business news. Or if you want, you can ask me.

To explain the above better, here's the calculation in tabled form:

Switching from Equity Fund to Bond Fund
Date	Switch from	No of Units to Sell	Buy Price on Date	Amount Sold	Switch to	Sell Price on Date	No of units bought
29-Jul-07	PIOF	4,599 Units	41.75sen/unit	RM1,920	PIBOND	RM1.0107/unit	1875.02 units
Switching from Bond Fund to Equity Fund
Date	Switch from	No of Units to Sell	Buy Price on Date	Amount Sold	Switch to	Sell Price on Date	No of units bought
16-Aug-07	PIBOND	1875.02 units	RM1.0103/unit	RM1,894	PIOF	34.48sen/unit	5,493units

nalysis
Unit difference (in bold)	RM equivalent	Percentage of initial investment
894	308.25	16.05

To tell you the truth, the above example is exactly what I myself did on 29 July 2007. I switched some of my PIOF to PIBOND. However, I still haven't switched my money back to PIOF. I want to ride this storm out first, and see when the time is right to reinvest again. Although I have to say, I did knock myself in the head because I switched just two days before Public Mutual declared PIOF distribution. I completely forgot that PIOF's Financial Year End is 31st July. However, I didn't regret switching, because, I know if I had waited any longer, I would never have the guts to switch, and would painfully watch my returns accumulation dwindle little by little

P/s: You need to open a bond account if you want to do this. PIBOND is now close, and so, if you want to do this, you need to open PIEBF (Public Islamic Enhanced Bond Fund)

World-wide stock market took a plunge

Due to US sub-prime mortgage market woes (see here for background: http://news.bbc.co.uk/2/hi/business/6939757.stm ), world-wide stock market took a plunge. Malaysia stock market was not spared. From a record high of 1,392 on 24th July, 2007, KLCI dropped to a low 1,287 (a drop of more than 100 points) on Friday, 10th August, 2007. Unit trust prices also dropped significantly. On the bright side, this is the best time for bargain-hunting. So, any of you who want to buy more unit trust, should do now when the price is low

Advantage of Mutual Gold

What is the advantage of Mutual Gold? With Mutual Gold, you are waived of RM25 switching fees when you want to switch between funds (ie unlimited switchings between all loaded funds). Not only that, the following is also what you will enjoy when you reach that milestone:
1) Red Carpet banking privileges with Public Bank,
2) Free Public Bank Credit Card,
3) Will-writing and trust services with Amanah Raya Berhad,
4) Free subscription to Public Mutual 'Thrive' lifestyle magazine,
5) One business day cheque issuance for repurchases,
6) free Personal Accident Insurance
7) Dedicated hotline for all you Public Mutual transactions,
8) special discounts at hotels and restaurants
9) Dedicated Mutual Gold section on Public Mutual website,
10) Quarterly Account summary, Market updates and quarterly fund reviews through email, invitation to Seminars and Talks

Mutual Gold qualifying points (MGQP) is for you to invest a total minimum of RM100,000 in Public Mutual Unit Trust Funds

How to choose between Public Mutual's different Islamic Unit Trust Funds?

There are many types of Public Mutual Islamic Unit Trust funds. How do you choose the one(s) best for you?

To me, there are three catogeries of Public Mutual Islamic Unit Trusts:

1) Funds which money is invested in Big-capped companies: PIttikal (closed), PIEF, PIDF

2) Funds which money is invested in Small-capped companies: PIOF

3) Funds which money is invested in Overseas companies: PAIF and PIADF

saving for good retirement

2009-06-26T11:50:00.001+08:00

2009-06-13T00:54:00.000+08:00

Tuesday June 2, 2009

Public Mutual declares dividend

KUALA LUMPUR: Public Mutual Bhd has declared the final dividends for five of its funds for the financial year ended May 31.

The distributable income comprised 6 sen for the Public Ittikal Fund, 1.75 sen for the Public Islamic Equity Fund, 2 sen for the Public Dividend Select Fund, 5 sen for the Public Balanced Fund, and 2.5 sen for the Public Select Bond Fund.

In a statement, Public Mutual chairman Tan Sri Teh Hong Piow said despite the challenging market conditions, the funds still managed to outperform their respective benchmarks and achieved respectable double-digit three-year returns to investors. — Bernama

Soalan Lazim Pengeluaran Pelaburan Simpanan Ahli KWSP

2009-06-03T08:09:00.000+08:00

Adakah KWSP bertanggungjawab ke atas kerugian pelaburan di Institusi Pengurusan Dana (IPD)?
Ahli bertanggungjawab sepenuhnya ke atas pelaburan dengan IPD. Ini bermakna jika berlaku kerugian, KWSP tidak akan bertanggungjawab untuk memberi sebarang ganti rugi kepada ahli.

Apakah Pengeluaran Pelaburan Simpanan Ahli dan siapakah yang layak membuat pengeluaran ini?

Pengeluaran ini membolehkan ahli KWSP yang belum mencapai umur 55 tahun dan mempunyai simpanan yang melebihi ‘Simpanan Asas’ dalam Akaun 1 untuk melabur sebahagian dari jumlah simpanan tersebut melalui IPD yang diluluskan oleh Kementerian Kewangan.

Apakah maksud Simpanan Asas?

Simpanan Asas adalah satu jumlah simpanan dalam Akaun 1 yang ditetapkan mengikut umur bagi membolehkan ahli memperoleh simpanan minimum sekurang-kurangnya RM120,000.00 ketika berumur 55 tahun dan ianya tidak boleh dikeluarkan sebelum umur ahli mencapai 55 tahun. Bagi maksud pelaburan, ahli dibenarkan membuat pengeluaran pelaburan sebanyak 20% daripada amaun yang melebihi Simpanan Asas dalam Akaun 1. Kuantum Simpanan Asas akan dikaji semula setiap 5 tahun.

Bilakah Simpanan Asas ini terpakai?

Simpanan Asas ini terpakai dalam dua keadaan iaitu:
(i) Pelaburan Simpanan Ahli (Akaun 1)
(ii) Pengeluaran Umur 50 Tahun mulai 1 Januari 2013.

Bilakah tarikh kuatkuasa Simpanan Asas ini?

Simpanan Asas berkuatkuasa mulai 1 Februari 2008 bagi Pelaburan Simpanan Ahli dan 1 Januari 2013 bagi Pengeluaran Umur 50 tahun.

Apakah tujuan Simpanan Asas?

Adakah ini satu lagi diskriminasi untuk golongan berpendapatan rendah?Simpanan Asas bertujuan untuk memastikan ahli mempunyai simpanan sekurang-kurangnya RM120,000.00 pada umur 55 tahun untuk membiayai keperluan persaraan. Jumlah ini membolehkan ahli menggunakan simpanan mereka sebanyak RM500.00 sebulan selama 20 tahun bermula daripada umur 55 tahun sehingga ahli berumur 75 tahun. Jumlah RM500.00 sebulan diandaikan boleh membiayai keperluan asas ahli setelah bersara. Ini bukanlah satu diskriminasi, sebaliknya untuk memastikan golongan berpendapatan rendah mempunyai simpanan persaraan asas yang mencukupi apabila mereka bersara kelak.

Apakah formula yang digunakan untuk mengira Simpanan Asas ini?
Pengiraan Simpanan Asas adalah berdasarkan jumlah amaun minimum yang diperlukan oleh seseorang ahli untuk membiayai keperluan asas ketika mereka bersara. Kajian KWSP telah mendapati seorang ahli yang telah bersara memerlukan sekurang-kurangnya RM500.00 sebulan untuk membiayai keperluan asas mereka. Tempoh 20 tahun iaitu 55 tahun hingga 75 tahun adalah berdasarkan jangka hayat ahli. Bagaimanapun, jumlah Simpanan Asas ini akan dikaji setiap lima tahun.

Adakah Simpanan Asas di dalam Akaun 1 boleh dipindahkan ke Akaun 2 bagi membolehkan ahli membuat pengeluaran pra-persaraan?
Tidak. Simpanan dalam Akaun 1 tidak boleh dipindahkan ke Akaun 2. Bagaimanapun, simpanan di dalam Akaun 2 boleh dipindahkan ke dalam Akaun 1 pada bila-bila masa bagi menambah simpanan persaraan ahli.

Bolehkan ahli menambah simpanan mereka dengan menggunakan kaedah caruman sukarela untuk mencukupkan Simpanan Asas?

Ya. Ahli boleh menambah simpanan mereka dengan membuat pilihan mencarum secara sukarela atau mencarum melebihi kadar berkanun. Bagaimanapun, caruman tersebut akan dimasukkan ke dalam Akaun 1 sebanyak 70% dan Akaun 2 sebanyak 30%.

Apakah syarat-syarat yang melayakkan ahli untuk mengeluarkan kredit di bawah Pengeluaran Pelaburan Ahli KWSP daripada segi kelayakan di dalam Akaun 1?
Ahli hendaklah mempunyai simpanan melebihi jumlah ‘Simpanan Asas’ dalam Akaun 1 pada tarikh permohonan dibuat bagi membolehkan amaun minima pelaburan sebanyak RM1,000 atau tidak melebihi 20% daripada jumlah yang melebihi ‘Simpanan Asas’ dipindahkan ke Institusi Pengurusan Dana (IPD) yang dilantik.

Bagaimanakah kaedah pengiraan untuk mengetahui kelayakan amaun pelaburan ahli?

Kaedah pengiraan amaun kelayakan pelaburan ahli adalah seperti berikut:
(Jumlah Baki Akaun 1 – Jumlah Simpanan Asas) x 20%

Contoh Pengiraan Kelayakan Pelaburan Ahli :

: Baki Akaun 1 pada 01.02.2008 adalah RM 55,000.00 dan
Umur ahli adalah 30 Tahun di mana jumlah Simpanan Asas ahli adalah sebanyak RM 18,000.00.

: (RM 55,000 – RM 18,000.00 ) x 20%
: RM 7,400.00

12. Berapa kerapkah ahli boleh mengemukakan permohonan untuk skim ini?
Ahli boleh mengemukakan permohonan setiap 3 bulan selepas tarikh terakhir pemindahan dibuat dengan
syarat baki dalam akaun 1 ahli memenuhi syarat kelayakan Simpanan Asas.

13. Adakah ahli yang berumur lebih daripada 55 tahun perlu mendapatkan surat pelepasan kawalan daripada
KWSP untuk mengeluarkan simpanan mereka yang telah dilaburkan melalui Pengeluaran Pelaburan Ahli

di Institusi Pengurusan Dana (IPD)?
Ahli hendaklah mempunyai simpanan melebihi jumlah ‘Simpanan Asas’ dalam Akaun 1 pada tarikh
permohonan dibuat bagi membolehkan amaun minima pelaburan sebanyak RM1,000 atau tidak melebihi
20% daripada jumlah yang melebihi ‘Simpanan Asas’ dipindahkan ke Institusi Pengurusan Dana (IPD)
yang dilantik.

PANDUAN KEPADA AHLI KWSP UNTUK MENAMBAH JUMLAH AKAUN 1

2009-06-01T20:07:00.004+08:00

How to Approach Complete Strangers at a Networking Event

2009-06-01T20:04:00.000+08:00

If you are new to networking, one of the most difficult things to do is introduce yourself to complete strangers. We grew up being told to not talk to strangers. And, we wonder how to approach someone we've never met. Here are several strategies, tips, and techniques to help you approach people you don't know at networking events.

First, remember that meeting new people is the purpose of most networking events. This is not like talking to strangers at the grocery store. People are expecting to meet new people when they attend business-oriented networking activities. Many of them may be very shy and are hoping that someone else will make the initial approach. So not only is it expected that you'll approach strangers, but it is appreciated by many of the people who are there.

With this in mind (that meeting new people is the purpose), you can create a scenario of success in your head. Do not imagine that people are going to reject you; that will make you anxious and nervous. Remind yourself that your introduction is welcomed.

Prepare in advance by call the host or hostess to ask if they will introduce you to a few people when you arrive. They should introduce you to someone who knows other people there and would be willing to introduce you to more

Use the buddy system to feel more confident. Bring a friend whom you can count on. Together, you can approach other groups of two people as long as they are not in deep conversation.

Watch the body language of other people. Don't approach tight groups of just two or three people who are tightly focused on each other. They are either in a personal discussion, they don't want to meet new people, or they don't realize how their body language shuts out other people. None of these scenarios are appropriate and indicate inexperienced or poor networkers. Avoid these kinds of groups.

Instead, look for two or three people who are standing in a semi-circle. In other words, they are conversing with each other but are facing outward. Just walk towards them and make eye contact with one or two of them. If there is a pause in their conversation just stick out your hand and say hello. Introduce yourself and let them know you are new to the group.

Watch your own body language to make sure you are approachable. Don't cross your arms, and when talking to just one other person, stand at an angle to them. This creates a more open look to your conversation and encourages other people to approach you.

Look for other people who are standing by themselves. If you make eye contact, smile and walk over to introduce yourself. If they are there alone, you can also use the buddy system to meet more people.

Here are two tips especially for extroverted people:

Do not interrupt people. Once you've made eye contact and have moved into proximity, do not break into anyone's conversation. Wait for an appropriate lull. They usually will pause once they've made eye contact with you, but allow this to happen naturally.
If you meet someone who is new or a first-timer, offer to introduce them to people. You'll help them break the ice and strengthen their first impression of you.

The purpose of business networking events is for you to meet and make contact with people, many of whom you've never met. Still, it's natural to feel some insecurity or nervousness. Remember these tips and you'll feel more confident and will meet more people to grow your network.

Before You Go Networking, Have a Game Plan

2009-06-01T20:02:00.001+08:00

When you prepare for success, you'll attract success. It's so important to take time prior to attending a networking function that you think about a few important things.

First, where are you going? If you are new to networking or just starting your business, you might want to try a variety of networking meetings before committing to them on a regular basis. I would suggest attending no more than 3 events per week but no less than 1 per week.

After you've determined your networks you want to participate in and build, mark them on your calendar every month until the end of the year. Networking only works when you make a full commitment to being present each month. Those that "show up" usually reap the rewards of gaining referrals. Networking is an important part of your marketing plan so make sure to follow through and be seen as dependable.

Decide if you would like to go with any one else or by yourself. Some people find comfort in attending functions with someone who I call your "Networking Buddy". This way, you can be a team and not have the fear of being left alone. If you plan on meeting in advance to drive together or simply meeting there, make a quick phone call to eliminate any questions.

Visualize yourself meeting lots of interesting people and attracting the right referral partners into your life. You might meet someone interested in what you have immediately but keep in mind that less than 3% ever do business the first time meeting.

Practice your 60 second introduction over and over until you feel confident in saying it to several people. Write it out and repeat it to yourself or share it with your "Networking Buddy". Make sure to include your name, company name, the typical problem most of your customers have and how you can provide a solution, plus a call to action. A call to action simply means an action step you want your audience to take. A few examples would be, call today for a free quote, visit our website at xyz.com or if you'd like a free report please hand me your business card and I'll send it to you.

A few other important things to bring with you include your business cards, a pen, a free promotional item or other leave behind piece such as a brochure, postcard or flyer. You won't be passing these items out to everyone unless they specifically ask for them. Don't assume that everyone wants information about what you offer.

Set a goal to meet 5 new connectors or referral partners at the event. Maybe look for other people that have a similar target audience as you and collaborate on a project. Listen to announcements of what additional events are coming up that you might want to attend. If you've been attending the same event for several months, maybe try and schedule 3 on the spot appointments or schedule lunch or coffee with someone new. Make sure to bring your calendar for the upcoming week.

Before walking out the door, freshen up, take some breath mints (just in case) check your attitude and don't forget to smile when you get there!

Networking Tips - A Proper Introduction

2009-06-01T19:52:00.000+08:00

True to life networkers know the extreme importance of having a proper and powerful introduction when meeting colleagues and business counterparts. The introduction serves several purposes that establish meaningful connections. A good introduction can spark good conversations. It can initiate natural business card and contact information exchange. It can also be an icebreaker or can lead to another introduction or referral. There are a few things to consider and be mindful of while making a proper introduction.

Listed below are excellent tips for creating a great, memorable and significant self presentation.

All Eyes On Them

Eye contact is a significant element in your introduction. Showing someone your undivided attention elevates your level of professionalism. It sets the tone for the conversation and prepares each person for a meaningful dialogue. It also heightens your senses and awareness towards the other person. You appear to be more engaged, alert and attentive. While initiating an introduction, if you do not show any eye contact, it can easily be misunderstood. You can be perceived as uninterested, bored or impatient. It also can be a sign of disrespect in other cultures.

Body Language

The way in which you approach someone during your introduction is very key. If you are sitting down, you should stand up or leave your seat. You should be facing your business counterpart and standing straight. Leaning on nearby objects or furniture can give a negative and sloppy first impression. Your body movements should be fluid and parallel to your tone or verbal language. Positive body language promotes professionalism and maturity while interacting with others.

Words of Wisdom

While talking and presenting yourself, it is beneficial to display a positive and up beat attitude. Be natural and act very comfortable with your business counterpart. One way to relieve nervousness and stress is to customize a great 30 second or elevator speech. The 30 second or elevator speech describes who you are and what you do. It should not sound scripted or monotone and should be appropriate for your networking occasion.

persediaan fizikal utk menghadapi peperiksaan...

2008-09-20T01:22:00.008+08:00

1.KESIHATAN.
Sebagai pelajar anda memerlukan kesihatan yang baik bermula dari ketika membuat persedian mengulangkaji hinggalah ke dewan peperiksaan. Keadaan kesihatan yang buruk akan mengganggu persediaan diri untuk peperiksaan. Sekiranya masih banyak yang anda perlu ulangkaji, maka pastinya anda rasa bimbang. Gangguan kesihatan pasti tidak mengizinkan anda mengulangkaji dan ini akan membawa kepada tekanan emosi. Pastikan anda menjaga perkara yang berikut:

2.TIDUR YANG CUKUP.
Tidur yang cukup ialah diantara 6 - 7 jam sehari. Kurang tidur menyebabkan anda rasa mengantuk, letih dan boleh jatuh sakit. Tidur yang berlebihan juga tidak baik untuk kesihatan. Jadi pastikan anda latih diri anda dengan masa tidur yang optimum ini dari sekarang.
Jaga pemakanan.
Allah s.w.t telah berfirman yang mafhumnya “Makanlah dari makanan yang baik yang telah Kami berikan” (Al-Baqarah : 57). Yang dimaksudkan
sebagai yang baik disini ialah baik dari segi sumbernya (halal), kualitinya (zat), rasanya (enak dan lazat) dan bersih (tidak membawa penyakit dan kemudaratan). Kepada ibu bapa pastikan anak-anak anda diberi makan makanan dari sumber yang halal. Makanan yang haram akan menghitamkan dan menggelapkan hati mereka.

3.RIADAH.
Jangan beriadah sehingga meletihkan badan. Ramai pelajar yang bermain hingga penat dan akibatnya anda akan rasa mengantuk untuk mengulangkaji
pelajaran. Anda hanya perlu beriadah selama 20 minit dan sebanyak tiga kali seminggu. Lakukanlah senaman ringan yang mengeluarkan sedikit peluh. Disaat-saat akhir sebegini, lupakanlah soal bolasepak, takraw, badminton dan sebagainya. Anda boleh tangguhkan semua aktiviti yanganda minati ini setelah tamat peperiksaan penting nanti.

4.KESELAMATAN.
Anda perlu menjaga keselamatan diri anda sebaiknya. Jauhkan diri anda dari aktiviti lasak yang boleh membawa kepada kecelakaan. Elakkan diri dari sebarang kecederaan. Anda past tidak mahu mengambil peperiksaan sewaktu berad dalam wad di hospital. Memanglah kecelakaan tidak pernah diundang, tetapi kalau anda tidak berhati-hati anda sebenarnya mendedahkan diri kepada pelbagai kemungkinan. Dalam musimmenjelangnya peperiksaan, lebihkan masa anda untuk berada dirumah.

HaPpY bIrTHdaY YUnnnnnnnnnn!!!!!

2008-09-17T13:22:00.003+08:00

pada tanggal 16/09/08...umur khairunhanisah bt azlan hanif telah mningkat dewasa dri 18thun ke 19thun..da bsar dh ek dak ni...hehehe bsar umur je,jgn bsar laen lak..hahahah(jgn mara yunn..)...neway epi bday!!!!smoga pnjg umr n mrah rezeki...heheh

talk about love..??

2008-09-13T12:13:00.004+08:00

love...love...love...cinta???sayang??rindu???sume manusia ade prasaan tu,klu xde tu bak kte org tua2 "xnormal la kn(hehehe)"...rmai yg berpendapat sume org laen2 dy pny prasaan yg disebut diatas,ade yg byk,ade yg sket,ade yg kjap ade kjap xde(mcm chipsmore..hahaha),ade yg amek berat n ade jgk yg xksah(xksah pn,tp still ade prasan tu..)...sume ni mcm subjek bio yg ak blaja "lifecycle=kitaran kehidupan"(aplikasi pembelajaran dlm kehidupan..poyo...hahahhaha)..mcm proses photosynthesis,thylakoid & stroma dlm chloroplast tu saling bkrjasama juz utk menghasilkan glucose...dlm thylakoid ade proses light reaction juz utk hasilkan NADPH & ATP yg sgt2 berguna n sgt2 diperlukan utk stroma mnjalankan calvin cycle(kitaran yg menghasilkan glucose dlm tumbuhan)...try kte assume yg thylakoid tu lelaki n stroma tu perempuan...lumrah alam manusia msti ade pasangan dy utk mngembangkn umat...hahaha stiap pasangan msti la ade perasaan saling sayang menyayangi,saling percaya antara 1 sma laen n sling bkerjasama utk jge kebahagiaan(acheechee...hehehe)...sme cm photosynthesis td..ade pasangan utk hasilkn glucose yg dpt digunakan oleh tumbuhan sbagai sumber makanan utk tumbuhan itu mmbesar...masing2(boi&gurl)mstilah sme2 trust antara 1 sme laen,sme2 kerjasama utk jge hbgn n mcm2 lgi r,aslkn bahagia..hehhe(mcm thylakoid mstilah hasilkn NADPH&ATP utk stroma hasilkn glucose,klu x glucose xdpt dhasilkn).

Setakat ni sje la karangan rumusan tanpa perenggan jiwang biologi(jiwang ke??)mengarut sy ni...juz cm xde keje nk tlis pe..pe yg xbtol info tu harap maaf ek...neway thx sb view my blog..chiow sin chi....

how to play pangap?

2008-09-10T22:45:00.001+08:00

bahagikn kad kpd sume player(max 8 player je)

bkak kad msing2 n susun kad ikot kreativiti sndiri

spe yg ade king spade start dlu

then sume player kne follow bunga yg sme jgk(xkira la kad ape pn,janji bunga sme)

dh settle n sume ade kad tu,then ttup kad tu..

sume ade kad bunga yg sme,yg paling bsar akn mulakn lak(ikt ske nk ltak kad bunga pe pn)

then player laen akn follow mcm biasa(if ada player yg xde bunga yg sme cm player yg mlekn,then dy kne la pangap player yg kadnye pling bsar dgn mletakn kad bunga pape pn)

owg yg kne pangap la plak kne mlekn dlu lak(ulang step 4-7)

smpai la abes kad(spe yg abes dlu akn brgelar juara n spe yg xabes kad tu la looooser...haha)

(utk pertanyaan lanjut sila berhubung dgn mr.haziq,mr. cot & mr.emmymatsuda)

cara study subjek membaca dgn betul...

2008-09-10T21:47:00.000+08:00

yaaaaaa kwn2 nk taw x cra stdy subjek2 yg mmbaca dgn btol x??(btol la sgt..heheh)

b4 study kne tenteramkn pmikiran@otak kte(lg sng nk tnteram,stdy kt library sowg2..sure leh...hahah)..
sblm start kte fikir la dlu bnde2 yg best utk dtgkn mood stdy..
bile dh rse btol2 ready,kte mlekn dgn bacaan doa sblm belajar(alhamdulillah..hehhe)..
lpas bce doa kte bkak buku yg nk kte bce tu(jgn tkot klu dlm bku tu sumenye perkataan n xde gmbar lgsg,bnde ni sume psyco je..hahaha)
mulakn mmbaca(otak jgn fkir bnda laen)
baca n pahamkn(klu xphm tu stop jap n amek mood...)
dh ada mood??smbg blik pai abes...
dh abes sume,then tutup buku...pastikn masuk dlm pale otk tu..hehhe

itulah tips2 yg agk berguna la jgk..huhu

SELAMAT MENCUBA>>HAHAHA

welcome2....

2008-09-10T20:22:00.000+08:00

welcome to my blog yg xsbrpe ni(sje try bt blog ni sb ade someone tu ske sgt blog2 ni)..hahah spe yg bkak blog sye ni sure nk taw lil bit sal sy r8???he3..my name asrul n juz kol me aloy..tmpt tggl lak nun jauh di hujung malaysia,actually sy ni bkn pure la dri sne..teka2..spe dpt teka dpt coklat...hahahaha:) skrg stil study lg..kos sains statistik..pakar math la ktekn...tp xpakar mne pn..heh...hurmmm...datz it,neway thx sb sudi mlawat blog sy...

mY FwEnz at 5th college..

2008-09-07T06:34:00.003+08:00

AJK Malam Penghargaan Dayasari...

The Bikel...hehehe

berdiri dari kiri : muna,irfan n ikhwan.

duduk dari kiri : art,muni,mei choo,me n komathi.

dak2 sengal time sibuk siapkn krja2 b4 MHS'08...hehehe

my photo,my edited....

2008-09-07T06:31:00.002+08:00

original picture...
after edited...

edited by myself..

2008-09-07T06:25:00.001+08:00

abstract...

who that girl???hehehe

co0L edited...

2008-09-07T06:15:00.001+08:00

warghhhhhhhh!!!

bluecircle around me...

2008-09-07T06:11:00.000+08:00

3 monkeys

2008-09-07T06:03:00.000+08:00

music

2008-09-07T06:00:00.000+08:00

topman

2008-09-07T05:55:00.000+08:00

feel music

my 1st time learn photoshop cs3...

2008-09-07T04:52:00.001+08:00

This is my art created use photoshop CS3...