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A New Environment

Since resigned from the previous job finally I managed to find a new job after 2 months through the introduction from one of my insurance agent. I has been introduce to a job that is fully utilizing the knowledge that I had learnt previously in my university – Financial Planning!

Its has been 3 years for me to study in this field but I was blurred toward my future. But when I step in to this Financial Advisory Firm I realized actually that is a lot of things for me to explore instead of those theoretical knowledge. It’s call Blueprint Planning.

Blueprint Planning is licensed financial advisory firm regulates under Securities Commission and Bank Negara Malaysia. It is fully practicing about the Financial Planning. Maybe you will have the doubt like me, there is no much of differentiation between insurance industry and financial planning field. But actually it is partially wrong. Why? If Financial Planning is a Hypermarket like ‘Aeon, Tesco or Giant’, then the insurance industry will be one of the department which selling their products under the Hypermarket. What makes it different is Financial Planning Firm is comprised of those departments such as Tax Planning, Small Business Solutions, Retirement Planning, Pension and Annuity arrangements, International Wealth Management and Protection, Budget, Cash Flow and Debt Management, Risk Management Planning, Investment Planning, Education Planning and lastly Estate Planning. The only ultimate goal is to help the client to achieve what they wants in their life. This is the what Im trying to do now.

Im not the planner but just a case manager for a financial planner, an assistant who provide the solution on the back-end side for those planners. You may said that Im like the boss for those planners because I have the right to push them to fight for more cases and cases. There is pros and cons for this as well, if they would have closed many cases I will definitely get a high commission for itbut on the other side, my workload will be getting higher and higher as well.

So far, I has been stay with this company for 2 months up to the date. I hope this is the one and the last one which is worthy for me to stay for a period because with it, I have the chances to explore to what have I learnt before and at the same time I do also have the opportunity to learn the latest market trend from time to time especially for investment. As stepping into a new year, new hope and new beginning for me. Fighting!!!

New ~ Year ~ 2015 ~

New is the year;
New are the resolution;
New are the spirits;
And new are my warm wishes just for you.
Have a promising and fulfilling New Year!

Happy New Year to all of you ~

Right or Wrong??? What do you think?

After 5 months of working in the previous company I decided to resign. Many people do have asked me this question: why the salary so high but you choose to quit? Although we are earn to live, but have you ever asking yourself that is it that’s what you want? As a fresh graduate, RM3,000 above salary is consider good at the moment, but the opportunity cost that I have to sacrifice is the smiling on my face. I keep on asking myself, does it really worth me? I lost my smile, I lost my health and I never be happy working there since the first day I joined.

You ask me, do I feel regret? Yes, of course I have. But if I strict back to the job, I will feel even regretted as compared to now. Some time I was feeling upset, because there is one friend of mine who graduated from the same college with me get the better treatment in the same company as me.

I’m feeling upset because I become one of the victim of the company political issue in my department. I have tried to convince myself for so many times to ignore those issue but then the issue are getting bigger and bigger. Even though the issue have been raise out to the top management but its seem like even worse that before. I feel very disappointed and do not see any hope with the company. Finally I decided to resign.

At this moment, I was  looking for second job in my life. Seriously, I got no idea what I want to be and what I want to do at this moment. Even though I realized doing sales is the best income earner during this conceptualization age but then how hardcore are you willing to take and sacrifice for your dreams?

Everyone of us do hope to achieve Financial Freedom, but how much do you know that the story behind each successful people. Success come because of desired. Im have been involved in a network marketing sales before, it is a great definitely, just my desired is not strong enough for me to achieve my dreams. There is too much I have sacrifice. To be the 5% others that 95% of people in the earth it really not easy but it does not impossible make it happen.

How long I can success? I do not know, but what I know from the day when I choose to take part in network marketing my life are means to be different from the rest of you guys. Just like the roller coaster, up and down.



Burglary was happened at my housing area around 5am in the morning. It is a foreign guy along with his bicycle…the sadness for me is, even it was saw by the neighbour, but nobody is willing to give a hand instead, they choose to watch the theft to leave…

Ready to give and take!

Just coming back from my interview. Today is the second interview after graduated. I failed again. I really felt worse because I don’t even pass through the English Proficiency Test. I really felt ashamed. Even I know my grammar is very poor but I never failed any english test before, finally I realized the feeling of defeat. Im able to score high grade in my university level but I don’t able to survive  in the real. From this experience, I am “ready to give and take”.

What do you think about it? – Insurance

What do you think about it? 

Life is unpredictable. Even died is a certainty for all of us, but nobody knows when will it happened. It may happen anytime, anywhere and anyplace without our knowledge. However, even insurance industry has been established since a long time ago but, when it comes to public many still think that insurance is an unreliable tool. This happened is because there is a lot of misconception about insurance industry, especially toward those insurance agents. The first come to their mind about insurance agent is such as a beggar under the suit. This is because in order for them to achieve their purpose some of them will choose to be unscrupulous. Like the old saying, one bad apple spoils the whole barrel. Indirectly, it has built the phobia among the public. Thus, create a wrong perception of the public toward insurance products.

Insurance is an important element in any sound of financial plan. It is a risk management tool that use to transfer the risk from the insured to the insurance company. Insurance provides a peace of mind, financial security, dignity and a future to all their loved ones through minimizing the negative effects that cause by any unpleasant events in their lives. In case when the family breadwinner passes away unexpectedly, diagnosed with long period of illness and accidents or become disable at least there is some financial support for the dependents or it can used to eliminate some financial burden of the family as well.

In order to determine your insurance needs there is not necessary that you must seek the advisor or consultant from an agent, actually you can just estimate the total insurance needs by yourself through the simply calculation…… continue

Personal Financial Planning in Malaysia- Your Blueprint to Financial Success


A book that I recommended for those would like to start their own financial plan. It is easy to understand with simple guidance for every single reader even though without any financial background.
The contents including:
Chapter 1- Foundations of Financial Planning
Chapter 2- Managing your taxes
Chapter 3- Managing your credit needs
Chapter 4- Managing your insurance needs
Chapter 5- Managing your investment needs
Chapter 6- Retirement & estate planning needs

Why Financial Planning?

According to MFPC, it’s definite that Financial Planning is a process or methodology of assisting clients in determining their financial goals, objectives and priorities and the resources to meet them in an optimal and practical manner. Thus, everyone needs at least basic financial planning.

However, many people still failed to do financial planning. The main reason is because they do not understand the process of financial planning. They think financial planning is only about picking investments or buying insurance products and these activities are obviously for those wealthy people. Since they are not wealthy, so they think there is no need for any financial planning. In additional, they also do not have enough money for it because they may think that financial planning services may cost very high fees. Perhaps, people avoid planning out of fear because they are unwilling to confront with the reality that they face in their life. Therefore, they choose to avoid from it. As a result, they will procrastinate it.  

Financial planning helps an individual to evaluate both current and future financial position in order to establish the strategies to achieve their individual may run certain risks such as having insufficient funds to meet big future expenses like education costs, down payment for a home or meeting retirement expenses if financial planning is exempted. A successful financial plan will help an individual to beat inflation, minimize taxes, manage the unexpected, achieve the goals and meet the retirement expenses

The sooner and the earlier the people do the financial planning the better. This is because the financial planning of an individual will change from time to time.People’s needs and goals are changing due to different life cycle. The earlier an individual conduct the financial planning, the easier to reach the  financial goal……

An “Excited” Day in my life ???

Around 0830 morning my friend and I were waiting for another friend to fetch us for work. However, the guy was coming half an hour late of what we had promised last night.

We are sitting just outside the gate of my house, suddenly there are two Malay guys which drove a motorcycle stopped in front of my neighbour’s house, I thought they were there to look for my neighbour. Without able to react to it, one of the guy was standing in front of us with a big sword. Even he took over our belongings, I don’t even realized he is a snatcher! He took my phone first and try to grab a laptop which held on me. I was reluctant to give the laptop to him at the beginning luckily my friend told me to let it go; by that time, I was starting to realized he is a snatcher.

Just after the snatchers running away another friend of mine was reached. I was very angry. If he would come on time, this thing wont happened to us. If my friend didn’t with me that time, I might fight against the snatchers. Thus, I might not be able to sit in front of my laptop now. There was many of ‘IF’ in my mind, and I felt I seem betrayal by a best friend of mine. At the moment I felt that guys can not be trusted at all… Not even an apologize after that…

After we make the police report our car was stuck on the way going back to work. We have no choice to call the car service and immediately find another replacement car.

I was wondering why my luck so ‘good’ today… Maybe it is a fate…