UPW

The weekend event to revolutionize your life...

UNLEASH THE POWER WITHIN is about creating breakthroughs, moving beyond fears and limiting beliefs, accomplishing goals and realizing true desires, turning dreams into reality, creating fulfilling relationships, and modeling the strategies of peak performers to produce a quantum difference in your life.

At UNLEASH THE POWER WITHIN you will vanquish whatever is holding you back from taking action. As the ultimate physical metaphor for your newly emerging mastery, you will storm barefoot across a bed of glowing coals - and that is only day one!

Call Us TODAY for a FREE PREVIEW in KUALA LUMPUR. Hurry! Seats Are Limited!

2nd February 2005 (Wednesday)

JW Marriott Hotel, Starhill II, Level 4

Time: 7:30pm - 10:00pm (Registration starts at 7:00pm)

Call: 1-800-880-501 / 03-7880 0500

Fax: 03-7880 2490 Email: may@srpl.net

Success Resources Sdn Bhd
No.23-2, Jalan PJU 1/39 Dataran Prima
47301 Petaling Jaya
Selangor
Tel: 03-7880 0500
Fax: 03-7880 2490
Email: success@po.jaring.my

Click here for more details.

Copyright 2003-2005 Azlan Adnan Legal Notice

Real Estate Course

Saturday & Sunday, February 19 & 20, 2005

Real Estate Course conducted by S.K. Brothers Realty in Paramount Garden, Petaling Jaya on Saturday and Sunday February 19 and 20, 2005 from 8.30 am to 5 pm. Learn how to make money in real estate ~ how to find buyers and tenants.

The Real Estate Course normally costs RM1,000 but if I can get a group of at least 4 people to book together with me, it will cost only RM450 per person.

Please give me a call if you are interested.

Azlan Adnan
012-383 1324

Copyright 2003-2005 Azlan Adnan Legal Notice

Next NLP Mastermind Class

There will be only one NLP Mastermind Class in February due to CNY and UPW.

It will be on the third Friday of the month, i.e. February 18, 2005 at the usual venue:

Room 2, Level 6, Menara AIA, 99 Jalan Ampang, 50450 KL.

Azlan & Kaynis

Red Vegetable Soup

a recipe by Azlan Adnan

INGREDIENTS (in order of appearance)
Half a small pumpkin, peeled then cut into chunks
1 large red onion (about 400 g), diced
2 large red capsicums, roasted, then peeled and sliced thickly
3 large carrots, cut into small pieces
4 large tomatoes, peeled, deseeded, then diced
5 cloves of garlic
125 g of salted butter (half a block)
1 tsp salt
2 tbsp sugar
1 heaped tbsp corn flour
single cream (about 400 to 600 g)
1 tbsp of chilli powder
ground black pepper to taste
Tabasco sauce
1 litre vegetable stock from boiling the carrots and pumpkin (see In the Meantime, below).

METHOD (this is what you do)
Sweat the onions with the garlic in the butter over low fire for about 5 minutes.
Do not brown the onions.
If you brown the onions, start all over.
Add the diced tomatoes and salt and keep sweating for another 15 minutes.
Add the Tabasco and black pepper.
Notice how the texture changes as a result of the low heat and salt.
If there has been no dramatic change in the texture, keep sweating the mixture until it happens.
I repeat, do not brown the onions.
If you brown the onions, start all over.
Sprinkle on the sugar.
Turn the heat up and caramelize (brown) the sugar. This takes about 2 minutes.
Do not burn the sugar.
If you smell something burning or see some black stuff stuck to the bottom of your pot, you've burnt the sugar. Start all over.
Once you have caramelized the sugar, turn the heat down.
Sprinkle on the chilli powder.
Sprinkle on the corn flour.
Continuously stir the gunk (yes, this is how it is supposed to look and feel like at this stage, don't panic) for 2 minutes non-stop over low heat.
Add about 1 litre of vegetable stock and pureed carrot and pumpkin.
Turn the heat up and bring to boil.
Add the roasted red capsicums.
Turn the heat down and gently simmer for 20 minutes.
Spoon the soup into individual bowls.
Add the single cream just before serving.
Do not add the single cream into the pot.
(Big mistake if you did, go start all over again).

IN THE MEANTIME (I told you, you should have read this first)
Boil the carrots and pumpkin until soft.
Reserve the stock.
Blend the carrots and pumpkin with some cold water until well-pureed.
Add back to the stock and stir well.

Copyright 2003-2005 Azlan Adnan Legal Notice

McDonald's to pay US$8.5 million in trans fat lawsuit

California man had sued over company's delays in limiting them

Feb 11 2005, SAN FRANCISCO, California (Reuters) -- McDonald's has agreed to pay US$8.5 million to settle a lawsuit over artery-clogging trans fats in its cooking oils, the company said Friday.

McDonald's said it will donate US$7 million to the American Heart Association and spend another US$1.5 million to inform the public of its trans fat plans.

The settlement is the result of litigation from a San Francisco-area activist who has been seeking to raise public awareness of the health dangers from the trans fatty acids (TFAs) in hydrogenated or partially
hydrogenated oils (PHOs).

Trans fats are used in thousands of processed food products, often giving the crunch to french fries, cookies and cereals.

They are created in processing vegetable oils and have been found to be as unhealthy as pure cholesterol. The latest official U.S. nutrition recommendations suggest limiting their intake.

"McDonald's has reached an agreement to further notify our customers about the status of our ongoing initiative to reduce TFAs in our cooking oil," the company said in a statement.

Stephen Joseph, a lawyer who founded the Web site BanTransFats, sued McDonald's over complaints the firm did not properly inform the public that it had encountered delays in plans to lessen the trans fats in its cooking oils.

Joseph said his site would receive US$7,500, as would another plaintiff in the case.

"McDonald's has been successful in reducing TFA levels in our Chicken McNuggets, Crispy Chicken Sandwich and McChicken Sandwich," the fast food firm said. "McDonald's continues to work hard on our initiative to reduce TFAs in our cooking oil."

British-born Joseph first gained publicity for his cause by suing Kraft Foods two years ago to highlight the trans fat content of much-beloved Oreo cookies. The company has since moved to remove trans fats from its snack foods.

"While there is a difference of opinion regarding whether McDonald's gave effective notice to its customers that the oil was not changed, McDonald's deserves recognition and credit for having achieved a reduction in the trans fat levels in its chicken products and for working diligently over the last two years to test additional cooking oils," Joseph said in a statement.

Dunkin' Donuts, a unit of Britain's Allied Domecq Plc, and other companies have in recent months introduced new products free of trans fats.

Hey, everybody

...dies one day.

just accept the inevitable.

your past deeds or sins decides whether you go to heaven or hell.
no need to ask the whole world to pray for you.
a bit too late to ask for the help of others, i say.
wake up and smell the coffee...

don't be a baby, die like a man!

---

Saw this poem on a blog today. Weird stuff!

HAPPY VALENTINES DAY!

Click here for your free gift!

much love
(",)::~~~

Cashflow Game

Passive Income ~ The Secret of the Rich

You're invited to join a group of Robert Kiyosaki followers to play the Cashflow 101 investment game on:

Date: Sunday, February 13
Time: 3.55 pm
Venue: 21 Jalan Setiabistari
Damansara Heights
50490 KUALA LUMPUR

If you have read Rich Dad, Poor Dad or Cashflow Quadrant and would like to meet other Robert Kiyosaki followers who are putting theory into practice, do come along with your friends. Please SMS me on 012-383 1324 with the number of friends or colleagues you are bringing so that we know how many people to expect.

Directions how to get there:
Go up Jalan JOHAR at Bukit Damansara. Drive past the ESSO station (on your left). At the traffic lights, turn left into Jalan BERINGIN. The first turning on the left is Jalan SETIABISTARI. Number 21 is about 120 metres on the right side of the road.

If you are coming by Public Transport:
KTM Kommuter: nearest station is KL Central. Then take a taxi (RM8).
PUTRA LRT: nearest station is Bangsar. Then take a taxi (less than RM5) or take a rapidKL (formerly known as PUTRAline) bus (fare RM1) to Jalan Johar and then walk to Jalan Setiabistari via Jalan Beringin.


Building a Pipeline to Wealth
By Robert Kiyosaki
Each of us resides in at least one of the four quadrants of the CASHFLOW Quadrant. Where we are is determined by where our main source of income comes from. Many of us rely on paychecks and are therefore employees, while others are self-employed. Employees and self-employed individuals reside on the left side of the CASHFLOW Quadrant. The right side of the CASHFLOW Quadrant is for individuals who receive their cash from businesses or investments they own.

My rich dad told me a simple story when I was 12 years old that has guided me to great wealth and financial freedom. It was Rich Dad's way of explaining the difference between the left side of the CASHFLOW Quadrant, the 'E' and 'S' quadrants, from the right side of the 'B' and 'I' quadrants. It goes: "Once upon a time there was this quaint little village. It was a great place to live except for one problem. The village had no water unless it rained. To solve this problem once and for all, the village elders decided to put out to bid the contract to have water delivered to the village on a daily basis. Two people volunteered to take on the task and the elders awarded the contract to both of them. They felt that a little competition would keep prices low and ensure a back-up supply of water.

Self Employed Thinking
The first of the two people who won the contract, Ed, immediately ran out, bought two galvanized steel buckets and began running back and forth along the trail to the lake which was a mile away. He immediately began making money as he labored morning to dusk hauling water from the lake with his two buckets. He would empty them into the large concrete holding tank the village had built. Each morning he had to get up before the rest of the village awoke to make sure there was enough water for the village when it wanted it. It was hard work, but he was very happy to be making money and for having one of the two exclusive contracts for this business.

Business Owner Thinking
The second winning contractor, Bill, disappeared for a while. He was not seen for months, which made Ed very happy since he had no competition. Ed was making all the money.

Instead of buying two buckets to compete with Ed, Bill had written a business plan, created a corporation, found four investors, employed a president to do the work and returned six months later with a construction crew. Within a year, his team had built a large volume stainless steel pipeline that connected the village to the lake. At the grand opening celebration, Bill announced that his water was cleaner than Ed's water. Bill knew that there had been complaints about dirt in Ed's water. Bill also announced that he could supply the village with water 24 hours a day, 7 days a week. Ed could only deliver water on the weekdays & he did not work on weekends. Then Bill announced that he would charge 75% less than Ed did for this higher quality and more reliable source of water. The village cheered and ran immediately for the faucet at the end of Bill's pipeline. In order to compete, Ed immediately lowered his rates by 75%, bought two more buckets, added covers to his buckets and began hauling four buckets each trip. In order to provide better service, he hired his two sons to give him a hand for the night shift and on weekends. When his boys went off to college, he said to them, "Hurry back because someday this business will belong to you." For some reason, after college, his two sons never returned. Eventually, Ed had employees and union problems. The union was demanding higher wages, better benefits and wanted its members to only haul one bucket at a time. Bill, on the other hand, realized that if this village needed water then other villages must need water too. He rewrote his business plan and went off to sell his high speed, high volume, low cost and clean water delivery system to villages throughout the world. He only makes a penny per bucket of water delivered, but he delivers billions of buckets of water, and all that money pours into his bank account. Bill had developed a pipeline to deliver money to himself as well as water to the villages. Bill lived happily ever after. Ed worked hard for the rest of his life and had financial problems forever after. The end." That story about Bill and Ed has guided me for years. It has assisted me in my life's decision-making process. I often ask myself, "Am I building a pipeline or hauling buckets?" "Am I working hard or am I working smart?"

And the answers to those questions have made me financially free. The CASHFLOW Quadrant is about the four different types of people who make up the world of business, who they are and what makes individuals in each quadrant unique. It will help you define where you are in the Quadrant today and help you chart a course for where you want to be in the future as you choose your own path to financial freedom. While financial freedom can be found in all four of the quadrants, the skills of a 'B' or 'I' will help you reach your financial goals more quickly. A successful 'E' should also become a successful 'I'.

Copyright 2003-2005 Azlan Adnan Legal Notice

Chaos at Ikea Superstore

Chaos - and a stabbing - as opening superstore swamped
By Jennifer Sym, PA
10 February 2005

A man was stabbed and would-be bargain-hunters suffered heat exhaustion as a crushing crowd of thousands forced a flagship Ikea superstore to close on opening night.

Cars were abandoned on the roadside and customers were crushed in the chaos which ensued after the furniture store in north London launched at midnight.

The new outlet in Edmonton, the biggest Ikea in England, was due to trade for a full 24 hours, but shut within 40 minutes after an "unforeseen volume of customers" descended in the early hours.

Up to 6,000 people flocked to the opening of the store, which was touting cut-price offers throughout the 24-hour opening, including a three-seater leather sofa for £45 until 3am and a double bed frame for £30 between 3am and 8am.

A London Ambulance Service spokesman said today that nine ambulances, one rapid response car, four officers and an emergency control vehicle were sent to the scene, following reports of crushing outside the store.

He added: "Six adult patients were treated and taken to hospital, three each to North Middlesex and Whipps Cross hospitals. Of these, one man had been stabbed and another patient was experiencing chest pains. The four other people were understood to have sustained a range of minor injuries."

A spokeswoman for Scotland Yard confirmed a man in his 20s was stabbed in the area - not the store - at about 1.30am today. She added: "His condition is described as stable, and not thought to be life-threatening."

She said earlier many people had abandoned their vehicles in the middle of the A406 (north circular), making their way to the store on foot, causing severe traffic difficulties.

In a statement this morning, an Ikea spokeswoman said the company was "deeply shocked, upset and concerned" at what had happened.

She said the store opened for the one-off 24-hour spectacular at 00.01am and was forced to close at 00.42am, with "unprecedented" crowd numbers estimated at between 5,000 to 6,000.

She added: "In the planning process prior to the launch of the new store Ikea Edmonton had direct liaison with the police and Enfield Council. On the evening traffic management, crowd control and the emergency services were in place.

"However at 00.01am, the official time of opening, people outside of the controlled queue surged forward, causing a crush at the entrance to the store."

She said police had confirmed a number of injuries, with the stabbing occurring "off Ikea premises" in a separate incident.

She added: "Ikea are deeply shocked, upset and concerned at what occurred. Ikea take the safety and security of its customers and employees very seriously at all times.

"Having opened 12 stores prior to Edmonton in the UK, Ikea could never have predicted and are genuinely overwhelmed at the outcome of the evening and the consequences that the opening of a home furnishing retailer has had.

"Under the current circumstances, Ikea Edmonton will remain closed until further notice. All advertised opening offers have been withdrawn. Ikea would like to express their concern and regret at what has happened at the opening of our new store."

Assistant Divisional Officer William Bird, of the London Fire Service, said: "It was extraordinary and to a certain extent unexpected. I have certainly not attended anything like this before."

"There were crush injuries and people suffering from shock from the pushing and shoving," he said. Cars abandoned on main roads around the store had caused severe congestion, making it difficult for emergency crews to get through.

The Real Estate Mind Game

Decisions of the Head
By Cheryl Young

Real estate can be one of the most stable methods of investing today.  Unlike the “wows” of the stock market, real estate can be a consistent way for people to extend their wealth ratio.  However, many new investors make the mistake of investing with their heart instead of their head. An old cliché reminds us that “You make your money in real estate when you BUY, not when you SELL.” With that in mind, it is important that we make good BUYING decisions in everything, especially with real estate.

And it’s your mind that must be ready to play the game. If you invest with your heart, you will make decisions based on what you feel.  And soon . . . what you feel will get you into investments that you should never have considered.  Mixing business with emotions worn on your sleeve can mean you'll constantly be hurt. Sometimes it’s impossible to divorce the two – but it’s usually a formula for problems.

Think Outside the Box
One of the hardest things for new investors to do is to “Think Outside the Box.”  Many of us operate everyday the same way we did yesterday. Why? Because it’s the most comfortable way to operate.  But if you choose to play The Real Estate Mind Game, you will have to be as creative as possible and even invent new ways in your mind that you can accomplish the same task.  The key to remember is to learn something new everyday until you routinely expand your comfort zone.

First let’s focus on practicing the art of thinking outside of the box.  To begin to develop new habits, you must be willing to be more creative and operate outside the normal realm.  Perhaps you can start by stretching your comfort zone to do things you would not ordinarily do.

It’s a known fact that if you can repeat an activity for 18 or more consecutive days, you have a new habit in the making.  So try these few exercises (or create a few of your own) for the next 18 days to jumpstart a new level of operating:

1. Go home a different way every day and see all the potential opportunities that exist around you
   
2. Exercise an hour earlier in the morning and learn a different exercise that will work a different part of your body every other day
3. Go to the grocery store and reverse the path you typically take through the store
4. Mail your letters at a different post office than the one you normally use
   
5. Generate multiple solutions as a way to resolve daily issues
   
6. Learn one new idea or concept every day to increase your creativity
   
7. Use your opposite hand to eat, drink, pick up mail or papers or books

Now, fast forward this mental process to real estate investing.

When we first began studying the markets and actively looking for investment opportunities, we looked at everything.  We really had not (yet) totally grasped the idea that (more often than not) deals are made, not born.  So we analyzed every deal that was presented to us.  At that time, it did two things for us:  (1) We got used to looking at multiple deals everyday and analyzing how we could make them work for us (extending our analysis comfort zone to process information quicker) and (2) we practiced using our minds (not our hearts) to create as many ways as we could to get into the deal.  Our deal acceptance ratio today is significantly higher than when we first began.

By the end of that first year in business, we were better at pricing and getting into deals.  It wasn’t until we knew we needed to generate cash and cash flow that we realized that we had not practiced exploring all the various exit strategies – whether we needed to employ them or not. This is even more important than the entry into a deal, because how you exit will fundamentally determine how you will enter a deal.  When we made this connection, an entirely new world of thinking opened up to us.  That’s when we knew our mind was expanding – and our emotions were being managed.

Decisions of the Head vs. Decisions of the Heart
The key to knowing and making decisions of the head is to know yourself and your tolerances.  Many of us don’t spend enough time to get to know ourselves. Believe it or not, not knowing yourself will lead to many a ‘heart’ decision because you will ultimately do what feels right to do, even if your head is telling you to go the other way.

Compare the following and see where you fit…

A head decision tells you that you are insane to think that if you don’t take action to change your life, that it will just change automatically. 

A heart decision will tell you to stay where you are because you need benefits or a steady paycheck.  Consider this: we are all good leaders and followers at something depending upon our comfort level and what we choose to do with our talent.

A head decision will tell you that you need to change the way you are operating because you are getting nowhere faster today than you did yesterday.

A heart decision will ask you when do you have the time to introduce anything new into your already busy life.

A head decision will tell you to investigate all the possible avenues to maximize your opportunity. 

A heart decision will compel you to ask what other people think about your opportunity – regardless of the fact that it’s ultimately your decision. (This can be a very dangerous place to be because chances are you’ve already made up your mind and anyone who invalidates your decision or thinking is somehow attacking you. (Your heart can be attacked but your mind can be challenged.)

A head decision will allow you to discern good information from bad – regardless of where it comes from – and determine what is in your best interest at this time.

A heart decision will cause you feel intimidated by people around you who may know more than you and operate at a higher level. The thing to remember is that we are all infants in some areas of our lives and adults in other areas . . . and where you are in your thought process doesn’t have any bearing on who you are.

Remember, people often criticize in others the very things that are lacking in them.  It’s not because you are worse off, but because they are no better off.  Don’t fall into that trap. Experience the exhilaration that comes from being around people who can take you to the next level.

A head decision will tell you the numbers surrounding a deal do not really produce your desired result.

A heart decision will tell you to go ahead with your deal and the numbers ‘will work themselves out.’

A head decision will tell you that “money pit” is written all over the deal.

A heart decision will tell you that you need to “up” your offer because this is really the deal of a lifetime and you do not want it to slip away.

A savvy investor will be able to marry both head and heart decisions to logical and sound next actions.  You can’t become a savvy investor if you read all the books in the world on investing and never do a single deal.  Lessons can’t be learned if you fail to extend yourself beyond your comfort zone.  Why?  Because what you do should always push the boundries of your comfort zone, which incidentally, is based on emotions. 

Wisdom doesn’t come by osmosis but rather by studying and actively applying what you’ve learned everyday and surrounding yourself with people who are doing what you ultimately want to do.  This may occur by changing the people with whom you currently associate so that you are in an environment conducive to change and expansion.

Remember, you have to continually challenge yourself to win the ‘mind over what really matters’ game  – everyday.  Enjoy learning and wisdom will follow.

---

Cheryl Young is the co-owner and operator of a property company that specializes in the buying and selling of bank foreclosure and pre-foreclosure properties. Cheryl and her husband Cliff are based in St. Louis, Missouri and have participated in over 60 real estate transactions in the last three years and mentor over 25 people in their real estate ventures.

"We are in the second and third quarters of the Rich Dad Game of Life.”
~ Cheryl Young

Return to Rich Dad's Community News

Toronto Police

Humour

TORONTO POLICE DEPARTMENT VOICEMAIL

PROPERTY MILLIONAIRE

MONEY STRATEGIES FOR MALAYSIANS

The no:1 Property Seminar in Malaysia for the past 4 years!!!

be the next
PROPERTY MILLIONAIRE
Date: Saturday . 5th Feb 2005 . 9 am to 6 pm
Venue: Holiday Villa, Subang Jaya

The FUN, FAST and EASY guide to build your fortune from properties!

We're sure that you've heard about people making money from property investment. We're sure how you've heard how others make money while taking very little risks. And you've always wanted to become one of these people. So now, here's your chance to become a Malaysian property millionaire by learning from a real life person who has done it before!

Azizi Ali, who made his money through property investment, will show you how to reap in the money. This seminar will show you how EASY it is to make money, reduce your risk, reduce your costs and at the same time, optimize your returns. Just as important is the fact that the information provided is relevant to Malaysia. (This property seminar is specifically developed by Malaysians for Malaysians.)

NOTE 1: This is NOT an introductory teaser talk giving superficial information but we will reveal ALL tips and traps of property investment. And yes, all the strategies are relevant to the Malaysian property market - tried and tested by Azizi himself - and NOT theories taken from western books! There will also be a lawyer and a banker to answer your questions during the Q & A session.

NOTE 2: This seminar carries five (5) credit hours awarded by the Lembaga Penilai, Pentaksir dan Ejen Hartanah Malaysia. Now you have five more good reasons to attend!

Azizi Ali is the man the NST calls the "Property Millionaire."

He is the author of the runaway best sellers Millionaires are from a different Planet!, The Millionaire in Me and also a popular columnist for the Personal Money magazine. He has appeared regularly on TV3, RTM, Astro Ria, RTB in Brunei, Radio KL and also on Radio Era. He has conducted workshops at Securities Commission, EPF, PNB Investment Institute, Malaysia Airlines, Prudential Insurance, Public Mutual, Brunei, and has addressed a crowd of 12,000 participants in Bangkok, Thailand.

Azizi Ali is a Chartered Financial Consultant (ChFC) and also holds an MBA from the University of Bath.

He has made money from many different investments, but properties remains his favourite. For good reason of course - he made the most money from properties. Now you can learn his secret of success

"Ninety percent of the world's millionaires became so through owning real estate."
~ Andrew Carnegie, one of the world's first millionaires

10 REASONS WHY YOU MUST ATTEND:
You will learn...
* Why real estate is the surest, hottest and yet safest investment there is
* The 5 types of return from real estate
* The 5 critical success factors (CSF) of real estate investment
* The 4 essential non-financial points of real estate investment
* 5 EASY ways to make a million from real estate investment
* How to increase the value of your property
* How to reduce your costs
* How to save $$$ from your loans
* How to eliminate tenant problems, become a Super Landlord, and make more money with less work
* And much much more...

This powerful, exciting and informative seminar will set you on the road to FINANCIAL FREEDOM. You'll be able to apply what you learn straight away and see the benefits IMMEDIATELY.

This seminar will enable you to MAKE MONEY faster, easier, with less hassle, less problems and less work !!!

Register NOW!!

Praise from our previous Real Estate seminar participants

"Forget the mother! This is the granddaddy of all property seminars. Full of relevant information and delivered in a fun and exciting manner. Further, Azizi is qualified, unbiased, independent and more importantly, has done it himself. Azizi, you are my new best friend!"
~ Azlan Merican, Human Resource Manager

"We've bought two properties below market value after the seminar. More importantly, we know what to do to maximize the returns from our investment. There's nothing quite like learning from a real life master who has done it all himself."
~ Debra Tan, Marketing Manager

"Though I already owned properties, I made very little money from them. Worse, I had numerous problems with my tenants. After the seminar, I know what to do, when to do it and how to do it to become a Super Landlord. Now I'm actually making money from the properties while eliminating all the tenancy problems."
~ Jonathan Lim, MD

"The practical experience and advice from Azizi are priceless. They are relevant to local conditions compared to all the books that I've read."
~ Participant 4

"Very informative and active participation."
~ Participant 5

"Information about do's and don'ts on property investment will save us much trouble and lots of money."
~ Participant 6

"...Azizi's humour makes the seminar alive and interesting."
~ Participant 7

"Entertaining and lively presentation. Informative; especially on how to become a Super Landlord."
~ Participant 8

"...will definitely save them money."
~ Participant 9

YOU SHOULD ATTEND IF YOU WANT TO
buy your first property . invest in real estate . make money from real estate . reduce costly mistakes in real estate . become a successful landlord . eliminate tenant problems . automate your rental collection . reduce your housing loans . become a better real estate agent . know more about real estate . network with fellow investors . increase the value of your real estate . create additional sources of income . learn all these in a FUN environment . learn from an expert who has done it before himself

FREE! FREE! FREE!

Azizi's latest book "How to Become a Property Millionaire" to all participants.

THANK YOU FOR SUPPORTING A MADE IN MALAYSIA COMPANY
True Wealth Sdn Bhd
A310, Block A
Kelana Square
Jalan SS 7/26
Kelana Jaya
47301 Petaling Jaya
Tel: 03-7880 7051
Fax: 03-7880 8051

Your investment: RM580
Pay before 24th Jan 2005; RM530 only!!!

We can attend this course for only RM480 if we register together as a group of at least 5 pax. Contact me at 012-383 1324 if you wish to attend!

We provide: 4 tea breaks and 1 buffet lunch, Program materials - notes, workbooks, support documents, and a fabulous time!

BOOK NOW AS SEATING IS EXTREMELY LIMITED!!!

ORGANIZER: True Wealth Sdn Bhd
WEB SITE: www.millionairesplanet.com

This seminar is purely educational. The organizer reserve the right to change speakers and/or modify the program without prior notice. There will be no refunds, however we accept a substitute nomination.

© True Wealth Sdn Bhd 2005 Legal Notice

Lathyrism, Ciguatera

...and other diseases caused by biotoxins

Lathyrism
People and livestock consuming grasspea (Lathyrus sativus, also known as chickling pea) as the principal diet for months develop a paralytic disease known as Lathyrism. Livestock that consume grasspea seeds (30-50% of the diet) for 3-6 months develop Neurolathyrism, a disease that leads to microgliosis in the anterior horns and lateral cords and partial degeneration of the motor tracts of the spinal cord and death in extreme cases (Williams et al., 1994; Smartt et al., 1994). Amino acid derivatives from the seeds of other species of the genus Lathyrus and of some species of the genus Vicia produced similar effects on experimental animals (Duke, 1981; Williams et al., 1994).

Beta-N-oxalyl-L-alpha-beta-diamino-propionic acid (ODAP) also referred as Beta-N-oxalylamino-L-alanine (BOAA) occurs in grasspea and is a neurotoxin which causes paralysis (Smartt et al., 1994; Williams et al., 1994). BOAA concentrations vary widely (from 0.2 to greater than 1.01 mg per gramme of seed) among specimens collected from India and Ethiopia, and also the BOAA distribution in embryo was the greatest (400 mg per gramme) followed by cotyledon (126 mg per gramme), seed coat (81 mg per gramme), stem (64 mg per gram), leaf (60 mg per gramme), pod (24 mg per gram) and root (14 mg per gramme) (Campbell et al., 1994). Occasional use is harmless. Seeds, if soaked in water for 24 hours before cooking, are not toxic (Duke, 1981).

More information on Lathyrus sativus may be obtained here.

Mystery Disease of the Chamorros
A rare and obscure disease that includes the features of Parkinson's disease, Alzheimer's disease and Amytrophic Lateral Sclerosis (ALS, better known as Lou Gehrig's disease) has been documented among the indigenous people of Guam, the Chamorros. It is now associated with the consumption of the toxic seed of the falso sago palm, Cycas circinalis. This species of cycad is distributed throughout the Western Pacific region, and it had represented a major source of carbohydates for the Guamanian people before the 1950s. The toxin that is now known to cause the disease is beta-N-methylamino-L-alanine (BMAA) which chemically resembles BOAA, which causes Lathyrism.

More information on Cycas circinalis may be obtained here.

N-methyl-4-phenyl-1,2,3,6-tetrahydropyridine (MPTP)
An interesting sidestory concerns Parkinson's disease. In 1982, a group of young heroin addicts near Santa Cruz, California took some "synthetic heroin." Instead of getting the expected high, these substance users found themselves developing all the signs and symptoms of classic Parkinson's disease. The identity of the toxin in the "synthetic heroin" was quickly discovered to be N-methyl-4-phenyl-1,2,3,6-tetrahydropyridine (MPTP), a chemical that causes Parkinson's disease in humans and a variety of other animals.

Ciguatera
Ciguatera poisoning was first documented in the early sixteenth century, but has probably been a part of life in the tropics for as long as men have fished the coral reefs. This disease has long been a mystery: fish which are freshly caught, which are to all appearances normal and healthy, and which belong to a species known to be completely harmless suddenly become poisonous. Around two thousand cases are reported every year: a handful in Japan, Australia and the USA, the majority in the islands of the South Pacific. The actual incidence of poisoning is probably much higher.

Marine finfish most commonly implicated in ciguatera fish poisoning include the garoupas (also incorrectly known as groupers), barracudas, snappers, jacks, mackerel, and triggerfish. Many other species of warm-water fish harbour ciguatera toxin. The occurrence of toxic fish is sporadic, and not all fish of a given species or from a given locality will be toxic.

Ciguatera is a form of human poisoning caused by the consumption of tropical and sub-tropical marine coral fish which have accumulated naturally-occurring toxins through their diet. Because ciguatera is associated with coral reef ecosystems, most of the research into its cause and cure is also carried out in the tropical and sub-tropical regions of the world. The toxin is known to originate from the base of the food-chain, being produced by a uni-celIular algae first discovered in 1976 by Dr Raymond Bagnis (Institut Louis Malarde at Papeete) and Dr Takeshi Yasumoto (Tohoku University at Sendai, Japan) in the Gambier Islands and consequently named Gamblerdiscus toxicus. The algae is then consumed by fish, which are apparently immune to the toxin.

It is believed that most reef-dwelling fish carry at least trace quantities of the toxin in their system. In human metabolism, however, the toxin opens voltage-dependent sodium channels in the body's cell membranes, which devastate the nervous and muscular systems. Humans eating the fish can deal with minimal concentrations of the toxin, but above a certain level, its effect varies wildly from inducing mild nausea to, in one or two very rare instances, cardiac arrest and death.

The poison itself, first isolated by workers at the University of Hawaii, is a polyether compound appropriately named ciguatoxin. In April 1989, its molecular structure was jointly elucidated by Anne-Marie Legrand (Institut Louis Malarde), M. Murata, Y. Ishibashi and Professor Emeritus Takeshi Yasumoto (then of Faculty of Agriculture, Tohoku University). The results of the study were published in the Journal of American Chemical Society on June 27, 1989. The discovery of the chemical bonds will now allow the elaboration of a detection method for poisoned fish. Toxicology studies indicate that as little as 0.1 microgramme (= a tenth of a millionth of a gramme) can cause serious illness when consumed at a single meal by an adult human.

Other toxins are also implicated. Workers at the Institut Louis Malarde noted clinical differences in some instances of poisoning, and in collaboration with Japanese research workers, identified two more toxic compounds: scaritoxin, very likely a congener of ciguatoxin, and maitotoxin. All humans are believed to be susceptible to ciguatera toxins. Populations in tropical and subtropical regions are most likely to be affected because of the frequency of exposure to toxic fishes. However, the increasing per capita consumption of fisheries products coupled with an increase in inter-regional transportation of seafood products has expanded the geographic range of human poisonings.

The disease has only recently become known to the general medical community, and there is a concern that incidence is largely under-reported because of the generally non-fatal nature and short duration of the disease. Ciguatera in humans usually involves a combination of gastrointestinal, neurological, and cardiovascular disorders. Symptoms defined within these general categories vary with the geographic origin of the toxic fish. Initial signs of poisoning occur within six hours after consumption of toxic fish and include perioral numbness and tingling (paresthesia), which may spread to the extremities, nausea, vomiting, and diarrhea. Neurological signs include intensified paresthesia, arthralgia, myalgia, headache, temperature sensory reversal and acute sensitivity to temperature extremes, vertigo, and muscular weakness to the point of prostration. Cardiovascular signs include arrhythmia, bradycardia or tachycardia, and reduced blood pressure.

Ciguatera poisoning is usually self-limiting, and signs of poisoning often subside within several days from onset. However, in severe cases the neurological symptoms are known to persist from weeks to months. In a few isolated cases neurological symptoms have persisted for several years, and in other cases recovered patients have experienced recurrence of neurological symptoms months to years after recovery. Such relapses are most often associated with changes in dietary habits or with consumption of alcohol. There is a low incidence of death resulting from respiratory and cardiovascular failure.

For generations, we have called these diseases "degenerative" and of unknown origin. We now know that this "degeneration" is caused by biotoxins contained in particular plants and algae.

Estate Management Talk

---------- Forwarded message ----------
From: Siti Aishah Abdullah ioa_ampang@hotmail.com
Date: Tue, 25 Jan 2005 10:52:43 +0800
Subject: INVITATION TO ATTEND A HI TEA AT ISLAMIC OUTREACH ABIM

13th Zuhijjah 1425
24th January 2005

Dear Brothers and Sisters in Islam,

Assalamu alaikum wrt.wbt.

INVITATION TO ATTEND A HI TEA AT ISLAMIC OUTREACH ABIM

May you receive this email in the best of health and in high Islamic spirits.

Islamic Outreach ABIM is organizing a Bi-monthly High Tea for everyone.
The details of the function are as follows:

Topic: Estate Management
Speaker: En. Rafie Omar - from Amanah Raya Berhad
Date: 30.01.2005
Time: 3.00 pm - 5.00 pm
Venue: IOA Conference Room
3402 Jalan Ampang Hilir 2,
55000 Kuala Lumpur
Contribution: RM15.00 only

Limited to 40 participants only. Please register now, on a first-come
first-served basis.
For confirmation please contact us at 03-42569822, Fax : 42574500 or
email us at ioa_ampang@hotmail.com

Wassalam.

Sincerely yours,

PUAN SITI AISHAH ABDULLAH
Tel: 03-4256 9822
Fax: 03-4257 4500
E-mail: ioa_ampang@hotmail.com

February MPlanet Ezine

------------------------------------------------------------
MILLIONAIRESPLANET EZINE
money . success . freedom
Feb 2005 Issue #30
------------------------------------------------------------

Welcome to the latest issue of "MILLIONAIRESPLANET EZINE"

------------------------------------------------------------
IN THIS ISSUE
------------------------------------------------------------

1. Feature Article
2. Quote of the Month
3. Your Question Answered
4. Special Offers
5. New Book by Azizi Ali
6. Disclaimers

------------------------------------------------------------
1. FEATURE ARTICLE:

This month, I would like to share with you an excellent article
written by Bill Wermine, a good friend of mine and author of "How you
can get rich from Swing Trading". Read, enjoy, benefit and keep your
money!

And yes, have a happy, healthy and prosperous Chinese New Year! May
the typhoon of wealth blow your way in 2005.
------------------------------------------------------------

Pitfalls of Options
by Bill Wermine

Imagine visiting Genting Casino and playing roulette. There
are 18 black numbers, 18 red numbers and 1 green zero.

If you simply bet red or black you will be paid even money
should red or black come up. However if you bet red or black
and the green zero comes up you will lose your bet that you
placed on red or black.

The green zero represents the house edge which is 2.6 %.

If you play the options game by buying options the odds are
about 80 % against you versus 2.6 % against you if you play
red or black at Genting.

This report will show the reasons why the odds against the
small options trader are overwhelmingly negative.

"Options are one of the greatest and most costly
frauds ever perpetuated on the trading public."

FH Goslin, Market Wizard and author of Trading Day by Day

Options have limited risk for the buyer and unlimited risk
for the seller. That is why most small traders buy options
rather than sell them. Unluckily for the small traders, the
buy side of options has many built in disadvantages. The
odds are stacked against the buyers (primarily uninformed,
small traders) and in favor of the sellers who are for the
most part institutions, large hedge funds and big money
interests.

The major problem with options is that they are time
depreciating assets. If you buy a share or futures contract
and a month later the price is unchanged you lose nothing.
You will be even.

If you buy a call or put option and the price of the
underlying stock or future is unchanged a week later, you
will have a loss. Every day you own the option the value
depreciates.

This means that time is working for the seller (big money)
and against the buyer (small money).

Because of time erosion, it means not only must you get
the direction right, your timing must be exact and the move
in your favor must be substantial.

Getting timing right as well as direction is hard enough as
a trader. When you add in the need for a substantial move
(to cover the cost of the option) the probabilities of
success are very low.

In shares or futures, the odds are 50-50 as shares and
futures are simply an up and down game. In options, the game
is closer to an 80-20 game against you the options buyer.
No matter how good you are as a trader, these are difficult
odds to overcome on any regular, consistent basis.

You may ask, if the odds are so much against the options
buyer, why not be a seller?

The risks as an options seller are also formidable: These
include high margin requirements and unlimited risk should
the market move in the wrong direction.

These risks make it difficult for small money players to
participate and profit as options sellers on a consistent
basis. To properly take advantage of the odds for the seller
requires an account to be capitalized with several hundred
thousand dollars. Very few individual traders have an
account this size to develop to an options selling program.

Large traders sell thousands of options with various strike
prices just like a life insurance company sells life
policies. Yes, an option will go bad just like a life
insurance company will have to pay death benefits. Because
the risk is spread the life insurance company will have no
problem paying off a policy. Because a large trader sells
thousands of options he has no problem covering the
occasional loss. The economy of scale insures that the
options sells odds work for him.

A small trader who sells a limited number of options is
gambling and risking much more. He has no economy of scale
and runs the risk of substantial losses should just one
trade go bad.

The pricing of options

Options prices are arbitrarily set by the sellers. They are
determined by options pricing models which are skewed to the
benefit of institutions and big money interests. In other
words they are not really set by free auctions between
buyers and sellers.

Options are priced by options sellers based on time value,
intrinsic value and volatility.

If the dollar values for volatility and time are too low,
the buyers will have the advantage. If they are set high,
the sellers will have the advantage. Understandably, since
the options industry overwhelmingly sells options, the time
and volatility factors are set up to produce high prices.
They are set up arbitrarily to inherently favor the sellers
(who control the options industry) and against the buyers
who are the customers of the options industry.

Bottom line

The actual payout is too low in relation to the true odds.
The pricing formula insures that the payouts are much less
than the true odds. Just like a casino, although the odds
are much better for the player in a casino than in the
options markets. Again it means the odds are tilted in
favor of the sellers.

The pricing formulas which are biased statistically insure
there is no real risk in selling options for a large fund
as risks are spread unlike a small trader who risks ruin
by not having the funds to spread risk.

The clever Nobel laureates who awarded a Nobel Prize for
the Black Scholes Options pricing model handed a gift to
the options industry. They gave a pricing formula which
could easily be rigged to permanently favor the sellers.

Some might argue that options is a fair game. Why are there
many hedge funds whose sole function is to sell options?
I have never heard of one whose mandate is to buy options.
The reason is simple: No one in the fund industry is so
foolish to believe that a fund whose sole purpose is to buy
options could ever be a profitable business.

Many options experts would vigorously argue these points:
They would say using delta neutral strategies, spreads and
numerous fancy techniques are profitable. Reality is
different. It boils down to getting timing and direction
right – not that simple or easy. These fancy strategies
may help limit loss but is this any consolation?

If you should absolutely insist on buying options, stick to
deep in the money options with little time value and use a
disciplined risk management strategy.

Even this strategy has disadvantages but may show minor
profits.

My bottom line advice: Just ignore options; act like they
do not exist. Your bottom line will be better for it.

------------------------------------------------------------
2. QUOTE OF THE MONTH
------------------------------------------------------------

"The world has a habit of making way for the
man whose words and actions show that he knows
where he is going."


* Napolean Hill *

------------------------------------------------------------
3. YOUR QUESTIONS ANSWERED
------------------------------------------------------------

Q: Suggest you charge minimal "consultancy fees" to those
who want personal questions to e answered in future.
Perhaps this way you won't feel you're wasting your time?
Win-win for both. Don't forget they are many looking up to
you, so "shutting them away" isn't too brilliant either.

Personally I feel you should keep up the good work. You are
one rare breed! As Malaysian, I'm proud of you.

A: No, I don't feel like I'm wasting time reading your
questions and answering them. If not, I'll not be doing
this!

I only wrote that I cannot give personal answers or "urgent"
answers as my time is limited. Of course, I cannot answer
the entire question as some of them will require me to
write 10 pages. Still, I do read all emails, so keep them
coming!

* HOT TIP *

Read "Turbo Strategy" by Brian Tracy

------------------------------------------------------------
4. SPECIAL OFFERS: Property Seminar
------------------------------------------------------------

1. The *number 1* property seminar in Malaysia is back!

Title: Be the next Property Millionaire
Date: Sat 5th Feb 2005
Time: 9 am - 6 pm
Venue: Holiday Villa, Subang Jaya

Click here to find out how you can benefit from the real
estate revolution. Register now as we have only a few seats
left!

http://www.millionairesplanet.com/events.html

PS: Each pax will receive a complimentary copy of Azizi's
latest best seller "How to Become a Property Millionaire".


2. The first ever "How to Write a Bestseller in 88 days" Writing Workshop

If you always wanted to write a book but did not know what
to do, how to do it or who to ask, then this workshop is
for you. Details follow:

Title: How to Write a Bestseller in 88 days
Date: Sat 12th Mar 2005
Time: 9 am - 5 pm
Venue: Holiday Villa, Subang Jaya

Register now as to take advantage of the early bird offer.
Click here to find out more.

http://www.millionairesplanet.com/events.html

------------------------------------------------------------
5. NEW BOOK FROM AZIZI ALI
------------------------------------------------------------

Azizi's latest book "mXe! five keys to become an Extreme
Millionaire" is out now. As the title suggests, this
book is about how you can get to be a millionaire as
quickly as possible while doing the things that you love.

If you have benefited from Azizi's previous books, then you
will no doubt love this latest offering. You will find gems
inside this book, which include Azizi's own secret of
success and formula of living life.

Place your order now and be one of the first to get this
storm.

For more details, please click on:

http://www.millionairesplanet.com/pro.html

------------------------------------------------------------
6. DISCLAIMERS
------------------------------------------------------------

This e-zine is for educational purposes only. The author and
publisher specifically disclaim any responsibility for any
liability, loss or risk, personal or otherwise, which is
incurred as a consequence, directly or indirectly, of the
use and application of any of the contents of this e-zine.

------------------------------------------------------------

------------------------------------------------------------

So that's it, folks. The latest FREE issue of the
"MILLIONAIRESPLANET EZINE". I trust that you've picked up
some useful stuff that can help you become a Grand Master
of Money.

So tell your mom, tell your dad, tell your girlfriends and
your boyfriends too, and ask them to join the party!

Until the next issue, keep your eyes on the money and
here's to the next million!

Azizi Ali
*Millionaires Coach*

------------------------------------------------------------

Copyright 2005 Azizi Ali
All rights reserved

-------------------Signature File----------------------

Azizi Ali
True Wealth Sdn Bhd
email: info@millionairesplanet.com
website: www.millionairesplanet.com
tel: 03-7880 1051
fax: 03-7880 8051

Cashflow

Passive Income ~ The Secret of the Rich

You're invited to join a group of Robert Kiyosaki followers to play the Cashflow 101 investment game on:

Date: Friday, January 28
Time: 7.55 pm
Venue: 3-3-1 Kenanga 3
Jalan 19/56
Keramat Wangsa
54200 KUALA LUMPUR

If you have read Rich Dad, Poor Dad or Cashflow Quadrant and would like to meet other Robert Kiyosaki followers who are putting theory into practice, do come along with your friends. Please SMS Azila Zainol on 012-686 6870 with the number of friends or colleagues you are bringing so that we know how many people to expect.

Directions how to get there:
Go up Jalan JOHAR at Bukit Damansara. Drive past the ESSO station (on your left). At the traffic lights, turn left into Jalan BERINGIN. The first turning on the left is Jalan SETIABISTARI. Number 21 is about 120 metres on the right side of the road.

If you are coming by Public Transport:
KTM Kommuter: nearest station is KL Central. Then take a taxi (RM8).
PUTRA LRT: nearest station is Bangsar. Then take a taxi (less than RM5) or take a rapidKL (formerly known as PUTRAline) bus (fare RM1) to Jalan Johar and then walk to Jalan Setiabistari via Jalan Beringin.


Building a Pipeline to Wealth
By Robert Kiyosaki
Each of us resides in at least one of the four quadrants of the CASHFLOW Quadrant. Where we are is determined by where our main source of income comes from. Many of us rely on paychecks and are therefore employees, while others are self-employed. Employees and self-employed individuals reside on the left side of the CASHFLOW Quadrant. The right side of the CASHFLOW Quadrant is for individuals who receive their cash from businesses or investments they own.

My rich dad told me a simple story when I was 12 years old that has guided me to great wealth and financial freedom. It was Rich Dad's way of explaining the difference between the left side of the CASHFLOW Quadrant, the 'E' and 'S' quadrants, from the right side of the 'B' and 'I' quadrants. It goes: "Once upon a time there was this quaint little village. It was a great place to live except for one problem. The village had no water unless it rained. To solve this problem once and for all, the village elders decided to put out to bid the contract to have water delivered to the village on a daily basis. Two people volunteered to take on the task and the elders awarded the contract to both of them. They felt that a little competition would keep prices low and ensure a back-up supply of water.

Self Employed Thinking
The first of the two people who won the contract, Ed, immediately ran out, bought two galvanized steel buckets and began running back and forth along the trail to the lake which was a mile away. He immediately began making money as he labored morning to dusk hauling water from the lake with his two buckets. He would empty them into the large concrete holding tank the village had built. Each morning he had to get up before the rest of the village awoke to make sure there was enough water for the village when it wanted it. It was hard work, but he was very happy to be making money and for having one of the two exclusive contracts for this business.

Business Owner Thinking
The second winning contractor, Bill, disappeared for a while. He was not seen for months, which made Ed very happy since he had no competition. Ed was making all the money.

Instead of buying two buckets to compete with Ed, Bill had written a business plan, created a corporation, found four investors, employed a president to do the work and returned six months later with a construction crew. Within a year, his team had built a large volume stainless steel pipeline that connected the village to the lake. At the grand opening celebration, Bill announced that his water was cleaner than Ed's water. Bill knew that there had been complaints about dirt in Ed's water. Bill also announced that he could supply the village with water 24 hours a day, 7 days a week. Ed could only deliver water on the weekdays & he did not work on weekends. Then Bill announced that he would charge 75% less than Ed did for this higher quality and more reliable source of water. The village cheered and ran immediately for the faucet at the end of Bill's pipeline. In order to compete, Ed immediately lowered his rates by 75%, bought two more buckets, added covers to his buckets and began hauling four buckets each trip. In order to provide better service, he hired his two sons to give him a hand for the night shift and on weekends. When his boys went off to college, he said to them, "Hurry back because someday this business will belong to you." For some reason, after college, his two sons never returned. Eventually, Ed had employees and union problems. The union was demanding higher wages, better benefits and wanted its members to only haul one bucket at a time. Bill, on the other hand, realized that if this village needed water then other villages must need water too. He rewrote his business plan and went off to sell his high speed, high volume, low cost and clean water delivery system to villages throughout the world. He only makes a penny per bucket of water delivered, but he delivers billions of buckets of water, and all that money pours into his bank account. Bill had developed a pipeline to deliver money to himself as well as water to the villages. Bill lived happily ever after. Ed worked hard for the rest of his life and had financial problems forever after. The end." That story about Bill and Ed has guided me for years. It has assisted me in my life's decision-making process. I often ask myself, "Am I building a pipeline or hauling buckets?" "Am I working hard or am I working smart?"

And the answers to those questions have made me financially free. The CASHFLOW Quadrant is about the four different types of people who make up the world of business, who they are and what makes individuals in each quadrant unique. It will help you define where you are in the Quadrant today and help you chart a course for where you want to be in the future as you choose your own path to financial freedom. While financial freedom can be found in all four of the quadrants, the skills of a 'B' or 'I' will help you reach your financial goals more quickly. A successful 'E' should also become a successful 'I'.

Copyright 2003-2005 Azlan Adnan Legal Notice

COP

Career Opportunity Presentation
Financial Planning ~ Your Passport to Financial Freedom!

The function of an insurance agent is to act on behalf of an insurance company to acquire insurance business from the customers or prospective customers of the insurance company (insurer). Unlike the insurance broker who represents the buyer of insurance, insurance agents represent the insurance company, essentially to sell insurance policies.

Insurance agents can act on behalf of not more than two general insurance companies and one life insurance company at a time. To be a general insurance agent, one must sit for and pass the Pre-Contract Examination for Insurance Agents (PCEIA) , Part A & Part B, and to be a life insurance agent, one must pass Part A & Part C of the PCEIA. The examination is conducted by The Malaysian Insurance Institute (MII). The PCEIA assures that any person who becomes an insurance agent has the necessary basic knowledge to promote and sell insurance to the general public on behalf of the insurance company which they represent.

After passing these examinations, the general agent will have to register himself/herself with the Persatuan Insuran Am Malaysia (PIAM), and the life agent with Life Insurance Association of Malaysia (LIAM) before he can transact any insurance business. Upon registration by PIAM, general insurance agents are required to comply with a set of rules known as the General Insurance Agents Registration Regulations (GIARR) and a code of ethics for general insurance agents.

An insurance agency can be operated either on a part-time, spare-time, free-time basis or full-time. In today's increasingly sophisticated environment, more and more insurance agents have become professional consultants and full-service financial planners who operate their agency business on a full-time basis. This enables them to concentrate on the business and to provide the best possible service to their clients.

Traditionally, insurance agents are not salaried but are paid by the insurance companies they work for by way of commissions on sales. However, a number of banking groups now own insurance companies which use salaried staff to sell their insurance products.

Life insurance agents get the opportunity to earn passive income as they earn commissions and various bonuses for a number of years after a life insurance policy is sold. If you'd like to find out what opportunities a career in Life Insurance can offer you, do attend the next Life Insurance...

Career Opportunity Presentation (COP)
on Friday, January 28 2005
from 6.30 pm to 8.30 pm
at Level 6, Menara AIA
99 Jalan Ampang
50450 KUALA LUMPUR

Nearest PUTRA LRT and STAR LRT station is Masjid Jamek.

ALL ARE WELCOME!

Azlan Adnan
012-383 1324
E-mail: azlan.aig@gmail.com

Next Master Mind Meet

---------- Forwarded message ----------
From: Kaynis kaynis@gmail.com
Date: Mon, 24 Jan 2005 17:21:39 +0800
Subject: Next Master Mind Meet
To: Alan Tung Kong Weng , Allan Hoong Wei Loon
, Alvin Tay , Azlan Adnan
, Cheong Wong Sang ,
Christina Hue , Dr R Thamaraj ,
Farid , Fong Mei Li Mariel ,
Francis Tan Yoke Chun , invest@streamyx.com, Jay Raja
Jurina , Joanna Ee Siew Lian ,
Karisa Chong , Kaynis Chong
, Lee Mong On Danny ,
Quennie Foo , Raymond Chew ,
Shirley Tan , Zakaria Ahmad


Dear all,
Next NLP Meeting coming Friday 28th Jan 6.30 to 8.45pm, Room 2, 6th Flr, Menara AIA.

PLEASE Be Punctual! We will start on time!

Bring your manual and Napoleen Hill's "Think and Grow Rich" along.

kaynis

--
kaynis@gmail.com
Mobile+ 6 019 3290288
KL/Questar Agency
8.29 Level 8 Wisma AIG
99 Jalan Ampang, 50450 KL
Questar Agency, for ALL your Financial Planning
& Insurance needs!

Prowaris

Monthly Informal Gathering

Dear All

Assalamualaikum w.b.t.

We are pleased to inform you that we are organising our monthly informal gathering soon. Details of the meeting are as follows:

Venue: 2nd Floor, Restoran Pelita, Jalan Ampang, 50450 KUALA LUMPUR
(the new restaurant next to Wisma Central and adjacent to KLCC)

Date: Wednesday, 26 January 2005

Time: 8.00 pm

We look forward to meet you and in the meantime, please contact me, Feriz Omar, at 012-238 5888 or Wan Joe at 016-251 0600 or Faizal Riza at 017-265 2540 should you require further information and/or clarification on the above.

Wassalam.

FERIZ OMAR
http://prowaris.org

Copyright 2003-2005 Azlan Adnan Legal Notice

BOP

Business Opportunity Presentation
A Rewarding Career as a Unit Trust Consultant

You're invited to attend a Business Opportunity Presentation on a career as a Unit Trust Consultant or Financial Planner with O-Tye Agency representing SBB Mutual Berhad. Details:

Date: Wednesday, January 26 2005

Time: 7.55 pm to 9.30 pm

Venue:
O-TYE AGENCY
Lot C-615 & Lot C-616, Level 6, Block C
Kelana Square
17 Jalan SS 7/26
Kelana Jaya
47301 Petaling Jaya
Selangor
Tel: 603-7880 6893
Fax: 603-7880 6893

SBB Mutual Berhad
SBB Mutual Berhad, a member of the Southern Bank Berhad Group was incorporated in 1990. Since its inception, the company has steadily grown into a reputable company and is also amongst the larger unit trust management companies in Malaysia.

SBB Mutual aims to be the people's first choice unit trust management company in the country and is unique in its excellent personalised service, potential above average returns and customised products and plans.

In 1995, in an effort to move ahead of the industry, SBB Mutual appointed BHLB Asset Management Sdn Bhd (BAM) to professionally manage its funds, thus making it the first fund management company in the country to have a separate investment arm. Today, the investment arm of SBB Mutual is SBB Asset Management Sdn Bhd (SBBAM).

SBB Mutual had won numerous local accolades since 1996. One third of its funds, namely the SF, HGF, ECO, BOF and RBF had won awards from Lipper as well as, Standard and Poor's Micropal from the period of 1996 - 2003.

In November 1996, in tandem with the government's decision then to allow EPF contributors to invest a certain portion of their EPF monies in approved funds, SBB Mutual became an approved Fund Manager for the EPF Investment Scheme.

SBB Mutual raised itself up another level on September 1, 2000 by becoming the first unit trust management company in the country to be conferred the status of Institutional Unit Trust Agent (IUTA). With this, SBB Mutual is now distributing a variety of third party funds belonging to renowned financial institutions.

Today, the Company is continuing its efforts to expand its portfolio and services, and to excel in serving the needs of its existing and prospective customers. With this, and the strength cum support of its nationwide network of branches, sales offices and over 5,000 highly experienced unit trust consultants, SBB Mutual is equipped to be Your Partner in Financial Planning.

Copyright 2003-2005 Azlan Adnan Legal Notice