Volume 2: 21 Mar 2017 up to 6 June 2018

Buku ini mengandungi tip-tip, ringkasan, rahsia, summary yang dikongsikan secara real time dalam

group whatsapp Caliph.NZM.NEO (CNN) agencies from 21 Mar 2017 up to 6 June 2018

Disclaimer: Tidak ada sebarang editing dari whatsapp message. Hanya copy and paste ke buku ini.

Maafkan kami tentang bahasa pasar dan ejaan yang meraban

Thanks semua leaders dan agen CNN yang banyak memberi input dan feedback dari soalan2 yang

dikemukakan oleh semua.

Maklumat lanjut dokumen excel, word, pdf dan ppt, anda boleh whatsapp kepada saya.

ONE FOR ALL ALL FOR ONE CALIPH Penyusun Arif Ismail al-Caliph Hp: 013-3640043 www.myunittrust.com www.facebook.com/arifismail.net

Team CALIPH.NZM.NEO during Goal Setting 2017

Contents Fauzi sharing ................................................................................................................................................. 6

Corp Sales is Not Difficult by Alice Wong ...................................................................................................... 7

Text post kat fb yg berjaya menawan hati rakyat walau 2 org: .................................................................. 20

Rohani Aziz Tip ............................................................................................................................................ 22

Sharing by Yazid Ismail. ............................................................................................................................... 28

Hasbullah Tips on How TO Double Qualify ................................................................................................. 30

SFK Tips semalam dgn geng Shah Alam ...................................................................................................... 34

Salah satu tips dr Tahir utl jumpa klien spy klien sign je ............................................................................ 36

Tip Rekrut by Yazid Ismail. .......................................................................................................................... 36

Tips from Rudi ............................................................................................................................................. 39

Notes taken yesterday during Favi's sharing .............................................................................................. 41

Tip Utk Check Ur Form is Old or Latest ....................................................................................................... 45

3 TIP KHAS UNTUK ORANG YANG BARU NAK BERNIAGA ........................................................................... 46

Tip Merekrut ............................................................................................................................................... 48

Income Allocation ....................................................................................................................................... 49

Tip To Recruit More While Sipping a Latte at Home and Servicing Client at Nesting Place ....................... 56

Hari ni closed RM25.7k. .............................................................................................................................. 56

95% of business start-up fails not because ................................................................................................. 58

Dr Ismail And Rahman ................................................................................................................................. 59

Powerful Doa by Nabi Musa ....................................................................................................................... 68

What is PRS? ............................................................................................................................................... 69

Online Recruitment Tips ............................................................................................................................. 71

Tip Untuk Maju Dalam Bisnes ..................................................................................................................... 72

Tip Beli Jiwa ................................................................................................................................................. 74

Tips pagi utk berjaya dunia wal alkhirat ..................................................................................................... 74

Tips Utk Jual Account Client Yg Dah sakit. Joint Account........................................................................... 74

Misi mencari 100k today. ............................................................................................................................ 75

ME Training Notes 23 Oct 2017 .................................................................................................................. 76

ME Training Notes 23 Oct 2017 .................................................................................................................. 79

Tip to Set Appt before having a breakfast .................................................................................................. 89

Power presentation by Rino. ...................................................................................................................... 90

ME Training Notes 16 Oct 2017 ................................................................................................................ 103

GAM Suraidah by Jas ................................................................................................................................. 116

Call je klien nak jumpa sekarang. I dah kat sini ni. Baru jumpa ... ............................................................ 118

CARA MENGUNDANG REZEKI ALLAH ........................................................................................................ 119

Tips on Managing Ur Time ........................................................................................................................ 120

Tips for Super Nesting! ............................................................................................................................. 121

CNN Training Notes 26 Sep 2017 .............................................................................................................. 122

ME Meeting Notes 25 Sep 2017 ............................................................................................................... 138

[Tip nak print IC ikut size sebenar ............................................................................................................. 147

Akaun 1, Akaun 2 & Akaun 55 EPF? ......................................................................................................... 148

Document Required to Become an Agent ................................................................................................ 148

Notes Handling Objection ......................................................................................................................... 149

Book Summary: Stand And Deliver ........................................................................................................... 151

Tip bila klien tanya pasal wasiat n faraid things ....................................................................................... 152

Systemize Ur Biz ........................................................................................................................................ 153

Summary Brainstorming 8 Aug 2017 ........................................................................................................ 162

Utk partime, ada beberapa cara utk buat sales secara online/offline: .................................................... 168

Tip on recruitment .................................................................................................................................... 168

Script Jumpa Klien utk Close ..................................................................................................................... 168

Ringkasan video Org Paling Kaya Yaman .................................................................................................. 169

Pagi macam ni. 1 tahun yang lampau. ..................................................................................................... 169

Salam Pencarian Laila to Caliphs-NZM-Neo team, ................................................................................... 171

Tue Brainstorming with GAM Farah ......................................................................................................... 172

10 Secret of The Millionaires Next Door ................................................................................................... 174

what works ................................................................................................................................................ 181

Cikgu LIM 17 years ago join PM ................................................................................................................ 182

Suraidah on Corporate Sales ..................................................................................................................... 190

Tip No 1 Utk Dapat RM6,149 .................................................................................................................... 214

Tips Utk Buat Poster Sepantas Kilat When U Become a Leader ............................................................... 214

Deals with Demanding Client .................................................................................................................... 215

Rapport Building ....................................................................................................................................... 221

Tips utk cpt buat report. ........................................................................................................................... 223

Client nak pergi umrah. Minta summary of investment ........................................................................... 224

Present dari hati ........................................................................................................................................ 226

Summary Brainstorming Cheras 19 Apr 2017 ........................................................................................... 226

Summary Brainstorming Cheras 19 Apr 2017 ........................................................................................... 229

#Sunmary Brainstorming 11 Apr 2017# .................................................................................................... 232

Tip b4 meeting client. ............................................................................................................................... 236

Summary ME Training 3 Apr 2017 ............................................................................................................ 236

Tip persediaan nak closed 6 orang serentak: ........................................................................................... 242

Summary UT for Beginners Vol 2 Putrajaya 29-Mar-2017........................................................................ 242

Tip Rapport. .............................................................................................................................................. 245

Summary by Farah .................................................................................................................................... 248

Puteri Asfaradeba Sharing Summary ........................................................................................................ 249

How to get referral lead. ........................................................................................................................... 258

5/28/2018

CRB meeting notes 28 May 2018

Fauzi sharing Dah 2 thn. Sales paling rendah adalah bln 12 So 2 mths ago start planning Close 14 org on seminar talk in 20 mins pres. Then banyak QnA sampai lbh 1jam Manage to convincr thst ur invmt need time So pse ensure client understand that invmt need time. Client ingat yesr on year profir is 12% sbb x agent promise that So dah berjangkit. Ada org call. Referred by the mew client Husband of the new cient 70% belum start buat invmt Sebenarnya market is abundance Ramai klien luah perasaan sbb agen submit without infrom them. They want to stop. Vlient knows is good for him. But client dont like it. So before u submit. Inform ur client Syed Hanafi Sharing Client susah nak top up Client A invest 80k in Sep 2011 drop to 65k few mths after that Syed takut Dia sempat screenshot Dpt pujuk client to top up 75k

Syed will use this testimony utk Client B yg susah nal top up PIEF in 2005. After 7 years redeem. Dpt 8% p.a. Cara nak turunkan ave cost: Top up new invmt Get distribution GAM Sahar sharing enjin kalau lama tak start - lemau Pencapaian yg lepas - kt dah happy. Barang yg lepas jgn dikenang Kt kena usahakn kejayaan tahun ni pulak Last week market drop smpi 61 points. Then Friday naik 20 points. Itu biasa. Jgn panik That is opportunity Jgn tunggu market dah recover Stay focus in this business Focus medium to long term UT slowly but insyaAllah surely

5/21/2018

Amaran Keras. Notes ini panjang. Hanya yg hadir je mungkin appreciate n understand it. However u can try utk hadam kan benda ni. Corp Sales

Corp Sales is Not Difficult by Alice Wong 3 feet from goal - Napoleone Think n Grow Rich 500 millionaire that he met. Alice Wong Senior Manager Retail Business & Support 19 years in business Vast experience in closing n servicing corp sales A World of Opportunities

Corporate Sales Made Easy Before u start, ur mind mesti ...?×%€ Mesti Determine Walt Disney - pecat dr publisher sbb x creative. Tp dia terus kerja utk dream dia Dia nampak tikus. Walt Disney pernah isu bon 100 tahun. Mesti sykt stabil Einstein - drop out dr sekolah esp math. Tp dia terkenal dgn fizik Successful person ... dont quit How to Approach? Biasanya kt approach Fin Controller Mrk takut kalau market down She did cold call Start with tax savings Money market only introduce in 2000 1998. Shares down to 262 points 1999. Ramai call pasal retiremnt fund dia susut Boss ckp keep investing. And suruh dia ave down Mmg client marah. But I hv faith woth my boss Kalau x nak ave down. Dont sell In this market, u cant get emotion like normal investors

Many con has excess at current acct or repo or NID or FD Adv Money Market Tax Exempted Income 10 mill @ 3.2% Income 320k Tax 24% 76.8k Net 243.2k Net in FD is 2.43% Net in MMF is 3.2% Difference 76.8k Refer to clause 35A MMF in PM? Other mmf boleh labur dlm bon sebanyak 10% PM mmf is pure mmf . Deposit placemets with financial inst . Money market Ecash Pimmf Pmmf Pbcash dep Pbcash plus for net worth client 10mill n above PM mmf . Alice rec pb ecash T+1 Redemption hari ni Esok akan credit ke dalam bank account client But client tak semestinya dpt pada T+1. Sbb ada processing. So to be safe u say T+2 Mmf lbh kpd deposit

Bon riskier. Ada volatility Sykt besar akn consider risk mgmt in detail SME tak kisah sgt. They may prefer bon Return around 3.5% annually Client tanyq apa beza ltk fd mmf n current savings FD ada maturity. Wothdraw sebelum 1 bln x dpt apa2 Mmf - withdrawal proceeds on T+1 Current acct - wothdrawal proceeds on T+0 Tak sama tapi lebih kurang serupa Mmf ltk dlm fd banks Accruee onterest on daily basis Tak kisah nak withdraw sebelum hujung bulan. Sbb accrued daily. Tak akan rugi. Setiap hari Sama mcm CB. Kalau client invest selama 3 minggu. Tetap dpt CB. Nak 5 figure income dr mmf 100k 10mil get 30k annually Help client tto gain return Agent get CB Other UTMC Akauntan dalam kilang kicap soya. 38 y.o Tak happy. Byk office politics. Tak tahu nak buat apa Why not join me as a consultant Esok call dia lagi. U are an accountant. Why not approach thri mmf

Then she explain abt the CB Then he resign. Solely doing mmf Alice risau. Dia terus resign He has a plan He bought a directory FC n CEO. Ask isteri to call 100 calling in a a day Lps 1 bulan. Baru dpt 2 appt Alice risau. Tak de sales x de income. One day he call. And tell ads investor nak onvest 100k Alice nak pengsan. Sbb CB sikit je 3rd mth he call. 1mill Till the 6th mth. 100mill This 100mill is from the same customer Masa 100k tu adalah utk test dan jumpa FC. Compete with Alliance Bank Why com invest . Agent sgt consistent . 100k to test case. Tax. In and out convenient? 100mill how much is the CB. Musim perayaan dia sibuk buat hamper Hari biasa main game Sebenarnya boleh buat income Retail marlet is good. Sbb paling consistent

Corp sales is to enhance ur existing business Tak payah meleleh air liur nak ckp dpn ckien Mmf benefits . Tax exenpted income . Liquidity . Stable . Hassle free monitoring - company kena buat cash flow. Ada 3 ha ada 7 hari. Jadi tiap2 hari kena buat kerja. Kalau melalui mmf, dah x perlu buat camtu lagi Depends on clients Kalau staff - ckp 1, 2 and 3 only. Kalau FC, CEO, MD blh explain all. Boleh save time staff dan relocste staff buat kerja lain PM bonds . Labur dlm paper. Corp atau govt. Jangka masa panjang. . Proce of the paper bergantung kpd rating. AA or AAA. The higher the ranking, the yield is cheaper Nak pinjam duit dr public. Dia issue bon. Risk level from low to high: Mmf Bf Eq f Soalan: cash flow tak faham sbb bkn dr acctg background Sebenarnya kt x perlu tahu acctg. Kebanyakan client tak akan tanya technical terlalu dlm Yg dia tanya: . Tax . How to isi form Apa itu rollover fd. Lepas maturity on a mth. Duit rollover to another bank FD.

Dkt bank, com boleh nego utk placement. Utk dana ini tak boleh nego. We sell on tax adv My capital go below tak? Our prod is put into deposit Adakah bank dlm Msia boleh go brankcrupt U put in deposit of banks. How can u give higher return? We dont give higher return. Bur because we have tax exemption 24%. Tu lah untung utk client Facility? Ada sesetangah bank boleh accept collateral Kt tak dpt janji. Com yg nak loan mungkin tak sesuai jadi client Utk individu tak de perbezaan untung. CB mmf is 1/4 of eq CB It might looks small to u. But... 10 UH of 10mill each - 100m After 1 year. Total return RM3.39m @3.39% U berjaya bantu mereka utk dpt 3.39mill Jumpa balik client tu. Propose for a longer term 50% dr 3.39m dpr 1.7mill Concept yg u kena sabar for 1 year Beli shares dpt dividend - now exempted If client tanya ada fee . Trustee fee 0.02% . Annual Mgmt fee ? Gold mine opener

. Nampak mcm x dpt komisen

. Upsell to equity. I just need time

. Cross sell

. Approach HR conpany tu. Seminar retirement planning to employee U must not look so desperate. Technician - know everthing on something Consultant - Know something on everything Jgn takut FC. They are also a human. U must hv confidence in urself For muslim. U pray first If u dont confident. They can sense it Normally if u are nor confide t . Ur sound a lirtle bit lower . Build up rapport. Dont close on thw first time. Sometime we de servicing the client first. U must have very good service level Service the working staff well also No database? Go to receptionist. Sembang2. Who is ur FC yg baru. Baru receptionist bagi tau. Kemudian call FC. And mention the name. PROSPECTING Start with ur existing customers base Look for Directors FC Lawyers These are the low hanging fruits

Then Open New Market . Small talk . Go to all social function. Alumni. Malay chambers. Assocsitions. Get referrals and leads Jgn org invite u tp go to social function. U tak nak pergi. 2 Points whether client is good or not Profitability High liquid assets For sdn bhd - kena beli Listed conpany - senang. Go to Bursa Malaysia Look at IOI Profit graph Liquid Assets From fin stmt Go to current assets Inventory adalah stock. Tak boleh sentuh Other invmt Short term Dep eith fin institution Cash balance Kema csri syjt ygvada cash Refer to note in IOI for more detail Tengok FD yg tak de collateral. 27 28 1.12b in mmf in other utmc

29 Big corporation dont put all money in one institution U still have chance PM is BIG. And stable. U can ask for diversification IOI deposit with banks. Next Ekovest Profit after tax Current Assets Tgk 13, 14 n 15 Charged to the banks means borrow from the bank CLIENT CALL HOW TO PREPARE FOR A CORP PRES No hurry. Easy ma Selling mmf is the easiest. Alice can close in 15 mins for mmf Sales kena cepat dan efficient. Only 3 slide only 1 template only . Benefits of investing in UT mmf . Proposed funds'information . Fund obj . Fund profile . Asset allocation . Fund performance . Fund allocation . PM Corp File (put last) dont waste ur 5 mins.

U can also enclosed the following: Prospectus QFR Sample as in photo. Must ensure ur data comply with the source e.g. QFR Past performance ... must put in as disclaimer U cannot do projection. U can put 5 years ago and the result now. Fund Overview Normally x tunjuk performance chart sbb chart tak masuk tax exemption Disclaimer is very important FAQ Tax exempted Extract from prospectus Highlight the mmf Show to FC the extract of prospectus Single tier implememted in 2017. Invmt Holding company - operating income is taxed Thus the company is to checked with their tac consultant FAQ If client ask what is the minimum? Majority of clients invest 10mill. But it depends on u. Doc required

Utcconnect Misc Corp Dont bank in without submitting the req docs prior for approval. 1 or 2 days approval Corporate PMO For MNC - tough. But u can try With corporate PMo Self-help Invmt n withdrawal faster Do nationwide Other utmc belum ada Open for transact only for mmf For eq. Only view For security reason Application for PMO is separate with invmt Need board resolution separately Level user User Authoriser Must provide hp no too for PAC during transaction. Both will received the PAC Follow the sample BoD Resolution of PM is easier. PMO Docket Mailer will be sent to company For user: 6 steps to top up 4 steps to redeem

Authoriser 3 steps only Authorise or reject And request PAC No switching facility in Corp PMO. Due to security To switch to eq fund. Redeem and invest Account enquiry is online PRS Corp Sales Benefits 16% company pay Tax deduction up to 19% Mandatory 12% or 13% of EPF Advise company 12% to epf The difference goes to PRS Tax deductible vs tax exemption Tax deduction boleh minus it as an expenses Epf n prs are safe-guard from the creditors Kalau umur 55 nak keluar duit dr epf dia boleh walau dia brankcuptcy. Duit epf dlm ut - kalau banckrupt tak boleh amik. Diversify the difference to PRS PRS Corp Sales Jumpa Fin Planning dept 5 days notice. Mrk akan teman u buat pres Slide pres available at Tools PRS

Print pdf the relevant slide only 3years UTC can go to PRS Familiarisation to get the code Question 1? For invmt holding Cash from subsidiaries go to HQ. If taxable. Then cash must be place in cash cow (teh subsidiary com that generate the cash) not in Invmt Holding company Question 2? Some of the com said 3.5 so low. I get 5% from the bank U need to ask further Where can u get the rate Mr Client? The 5% may be they tie it for very long term Mine one is very liquid. T+1 can cash it out. Sometime they might invesr in bind paper. Higher risk Let say Ours 3.5% . Client get 3.8% Corp banking calculate. They look into portfolios as a whole. Loan client pay veryvhigh. So they can give 0.3% difference Cliemt say my client income get income. Sbb he has a lot of facilitors with the bank Sweeping current acct into the overnight deposit. The next morning is sweep back to current acct. But all these are taxable. Ours is non taxable Our mmf is accrued daily. Indirectly is already daily product We cant nego like the bank The end The difference between ordinary and extraordinary is practice - Vladimir...

5/16/2018

Text post kat fb yg berjaya menawan hati rakyat walau 2 org:

Aura Tun meresap. Tambah rajin dah saya kerja. Hari ni dapat closed 3 clients invest dgn saya RM103k. Kecik je bagi korang. Tapi besar bagi saya. Client yg wasap nak invest. Saya rasa mereka lebih konfiden dgn Tun M. Nak merasa era baru. 100 hari pertama dengan Tun M. Ada ke sesiapa nak invest guna skim epf dalam tempoh 100 hari pertama ni? [09:55, 5/16/2018] myunittrust: Lagi satu tip. How client wasap dan bank in cash kat sy pastu sy terpaksa pulangkan balik to avoid kena tangkap. Similar tips receive dari cash king Asri dl Hisma yg dah pindah RHB tp advise org lain jgn pindah. Mengeteh dgn dia si Shah Alam semalam. Wasap client good news walau rasa mcm kecik je. Cth I wasap theedge report on positive impact Tun M Asri shows KLCi screenshot update. Kena keep communicating with client Asri said. If u cannot get challenge trip in PM. Dont dream to pindah2 company. Kat luar tu lagi susah. Nak qualify kena dua kali ganda. Jumpa client nak kena intro comp dulu. Asri also said. He wonders why agent cannot close n qualify challenge trip. Dia cakap I buat benda yg sama. U pun buat benda yg sama. Kena tgk apa yg I buat yg u tak buat. Masa tu Rudi n Muzakkir pun ada sekali. So guys n gals. Sy dan anda kena muhasabah diri utk capai challenge trip every year. Jalan luas melaut Kaedah jualan tiada rahsia Angkat kaki buka mulut Di fb dan di mana jua Hanya kt yg mesti merasa P.s. Ray tlg fwd recorded video interview dgn Dr Harimau yg jadikan UT sbg full time dan Dr sbg part time

4/23/2018

Rohani Aziz Tip Close Like ABC Segamat Johor Worked in AMB PNB OCBC Credit Risk Mgr Never been in sales Always jadi Auditor Masuk Credit Line Why I tetiba masuk sales? Ada tak yg buat part time Ada tak yg buat fu time I ve 3 sons. Growing up. Siapa nak htr anak I sekolah Mula2 masuk MLM. Tapi rasa mcm menipu org. Part time UT for 1 year. Tp buat betul2. Sbb I kena sukses Sebelum masuk kerja. Dah closed 30k Lunch time. Walk to Bursa Malaysia. Teman client makan. Pastu klien kata aku ada mtg lps ni. Walk back with zero aales. Lesson learnt. Klien makan. Kt minum je. Klien makan kt explain. Pas habis terus dia sign n thumb print. I nak jumpa COO. Dia ada kat Mandarin Oreintal. Dia janji 6pm. 10mins je klien ckp. Ani cakap. En invest la dgn sy. PM is an award winner.

Pastu klien kata so what. Despite x de sales experience. Penakut. So how to overcome. Pergi kelas Dr Lawrence. Macamana nak dpt 7k income masa kerja dulu Paid rm2k for the training. Amik cuit 1 week. Testing to become full time. Then Linda kata. If u can do 150k part time in a week. Bayangkan in 4 weeks. 600k Ada tak upline tanya "Ani how much u can give me this mth" Kak Ani. Go for award. Despite all my lacking. I won many awards. So I believe u all boleh buat. In order for us to achieve Cape Town What is it that nake a person victorious A S K Attitude Skills Knowledge A n S form 85% to achieve success Knowledge u can acquire Emotional Silence Decisiom

Triangle of Success Are u self motivated? Down. Pergi cari buku sendiri Mau ada ENTHUSIASM HIGH ENERGY U dtg cerita pasal kucing. Jgn cerita pasal kerja. Cerita pasal apa yg diaorang suka How you carry urself How u speak It comes in a package COOPERATIVE COMMITMENT DESIRE SELF BELIEVE =================== SKILLS Goal Setting Time Mgmt Reasoning Communication Onter personal skills Ada tak dalam diri u ada rasa nak menang What Determine My Consistency of Performance? Attitude Belief System Desire I believe in ABUNDANCE Walaupun org boleh closed 1mill. Tidak mengurangkan peluang utk I closed besar atau lebih besar dari dia

U takkan cemburu org sukses Awards. Ini mcm addiction. Kalau dah dpt challenge trip. Mesti dpt challenge trip. Challenge Trip. Pun u get addicted. Kita kena buat Silent Emotional Decisiom Apa yg perlu ada dlm diri 4 Arrows off Power Communication SHIT Strategy High Energy Intensity of Eye Contact Transfer of Feeling Knowledge: fund, performance Monitoring kena buat. Somebody kema monitor u. Report to ur upline 8pg: jumpa 5 klien 10pg: closed 3 cases 2pm: Ada tak yg upline tanya. Minggu ni berapa closed. U krik.. krik. Memang u tak ke mana. Use Champion Box - time management. 1 week Champion Box Self Monitoring System Buat 1 week table.

I. S. R. K. J. S. A 8 10 12 2 4 6 Kt check balik time table u every week. U need to keep track What Makes Closing Easy? SIMPLE PRES TECHNIQUE Draw a timeline. Journey of Life Bila u start kerja Bila nak retire Do u wamt a solution. Of u simpan dgn I. Ucan get extra. Using the same resource A method yg kt guna utk transferring ur EPF to PM If I were to suggest to u. I can increase ur savings by rm300k Draw the graph This is the opening. Pastu tunjuk kan fund PM Pastu cerita. When u have extra. U can extend ur retirement fund U suka dpt lebih atau tak suka Kalau u dpt extra 300k

U know what u can do at 55. U can create 3 accounts 1 acct can be savings or current acct 1 contingency acct 1 is akaun ibu duit U ltk kat dlm PM. Dlm 8 hgga 9 thn. Dia akan double. My role here is to help u to achieve ur financial goal. I will come to u every 3 mth. Klien suka kita We want to create the difference Without u take out from ur money Another Method. Life circle Divide circle into 4 quadrants 20 - critical quadrant. Time to accumulate savings. Savings need time. 40 From 55 to 80. Time for consumption. Not to work again. U need to save from now. Because savongs need time. Ww need a plan. Start early. As early as u dpt kerja. 60 80 Cape Town is possible. As soon as middle of the year. We are responsible to our goals We promis to our parents. Our kids.

4/17/2018

prospect unit trust sebijik macam kt buat ghast door-to-door. Tak boleh sangka buruk. All the time smiling. They give stone. We respond with flower.

4/17/2018

[00:46, 4/18/2018] A Aslam: 260 UTCs 50 agency supervisor 4 Agency Manager

Sharing by Yazid Ismail. Recruit ni make it simple. First kena ada mindset senang senang. Baru rasa senang nak recruit. Ubah ayat kita jadi senang, boleh. Baru aura tu senang lekat. Set affirmation. Branch manager wassup yazid bgtau, u mesti recruit 10 bulan ni. Yazid jawab ok. Dia semua ok je, jangan jawab tidak. Baru la kita rasa senang. Kalau branch manager tak wassup. Dia yg ws brnch manager bagtau sy nak recruit 10 org bulan ni. Affirm. Bulan ni set target 20 org. Dah dpt 16 org. Slow skit sbb jaga anak tak sihat bergilir gilir anak dia demam. All recruit thru fb. Sblm jmpa mntk prepare all doc. Baru jumpa. Yg jauh tu, mintak paid rm265 pd yazid. Dan dia akan byrkan dan print the slip. Nk tunjuk yg

org tu serius. Kalau tak jmpa2, buang masa je dia tk buat apa apa. Full day coaching. Kalau jauh. Ajar terus sehari. Mntk prospek suh cuti. Isi contract dan ajar semua dari present smpi isi form. Satu ari coaching mcm2 blh ajar. Kalau bintulu sorang pun yazid dtg. Affirm. Beli contract 20, thumpad 50. Thumpad ni jual pd new downline dan kasi subsidi skit. Bg complete all the form berjumpah rm46. Prospek byr balik pd dia. Semua suap. Partime agent need kena suap utk permulaan. Mana ada masa nk beli form, cari thumpad bagai. Nanti dorang down bila cari thumpad tk jmpa. Last 2 week gam norlela share, dia punya downline terminated almost 700 org in total. Yazid 2015 recruit 68 org. Termasuk park bawah wife dia. (Sorang agent boleh recruit 49 org utc ). 2016 terus naik GAM. 34 org terminated. Skng downline yg buat sales dlm 160 org sahaja. Fultimer 6 orang. The rest partime sahaja. Number of game. Last month GS 5.2juta Bulan ni dah almost 5juta up to date CAMS2. Keep recruit. Skng dia top 26 GAM. Target nak top 20. Dan target GS 7m per month. Dia kata boleh. Now AS bring more utc, cucu cicit dia berkembang byk. Tak mustahil katanya. Keep positif. Beli form contrct byk2, form tu bg aura. Bila tgk byk2, rasa nak abiskan.

Pernah beli smpi 50 contrct form. Beli thumpad byk2, fotostat soalan bocor byk2 bg kt prospek agent. Always fokus pd CB, bantu new agent submit ( utk 3 bulan pertama dan atleast 2 form skali submit), dan motivate new downline yg dah konsisten buat sales 100k above utk become fulltimer. Dont push to hard. Blh motivate them, but dunt push them. Nanti dorang left. Pernah bawa agent yg baru dpt agent code utk attend BOP. Agent tu nak dtg. Speaker BOP kondem org makan gaji. Terus 2 org new agent tu tknk buat UT. Jangan rendahkan atau perli org makan gaji. Situla sumber rezeki kita. (Epf) Dun give up. Keep recruit. Make it easy. Firm. Fikir senang. Fikir boleh. Aslam top recruiter From cheras training room.

4/16/2018

Hasbullah Tips on How TO Double Qualify no excuse sbb x de experience on selling customer engagement lead to client loyalty Think Big Sincere. Bukan setakat nak duot dia Kita kerja full time - mesti buat full time. Bukan kejap hantar anak. Macam kt kerja kat ofis. Selalu attend training PM official dlm UTC Connect dan agensi Tengok subject yg menarik. Kt pergi. Bila jumpa client kita akn confident lagi. Cross sell dgn PRS

Always keep ur shop open. Maksudnya kita rajin buka mulut. Tanya orang. Mungkin kita cakap 100 kali - dapat 5 org je. Kedai physical pun macamtu jugak. Dapatkan referral Stop making excuses Jangan ada salary earner mentality. Cth tanya "Dtg ttraining ni lambat tak pe ke?" Ini bisnes kita sendiri. Training utk kita Take advantage of Kick Start Campaign Strategy: NSC point max is 1 mill Leverage all campain yg ada Planning Ahead Start from Sep to Oct to Dec. Dec selalu cuti utk cuti sekolah. Oct kena betul2 pulun Jan to Feb limitkan sejuta sahaja Ramp up sales utk inccome bulan Dec yg kita cuti Set Goal Make Plan Get to Work Stick to it Reach Goal Ada plan kalau tidur je tak guna jugak Q&A Syed: Macamana nak keep the fire burning Fear x de gaji. Tu lah kerja Fear is the motivation Tengok gambar Moscow duliu. Tgk Cape Town. Target 500k. Benda tu tinggi. Tapi achievable Goal sesuatu yg drive kita Kak Siti: Which activity yg contribute a lot. EPF dalm 90%

Kak May: full concentration. Tak de masalah keluarga. Anak 5 org. Tinggal sorang je. Sekolah naik van. Buat je perbandingan masa kita kerja ofis. Boleh tak kita tinggalkan ofis tgk benda lain Kak Siti: Kerja berapa hari seminggu Tak setkan berapa hari Set berapa client sehari. Client skrg ni byk warm market, booth, naik motor, kelas mengaji, kwn lama. Kwn lama kena tunggu masa yg sesuai utk cakap dengan dia Bila dia tertarik dgn post kt fb. Dia yg whatsapp kita Number of clients = 150 Script: Call client direct bagitau. Aku skrg ni tak de kerja dah. Full time buat PM. Boleh tak kt minum2 jap. Sebelum present: Apa tn tahu pasal PM? Favorite fund: Masih PAIF. Masih percaya pada regional fund Local wait and see Skrg PAIF dah rendah. So buy LOW Sell HIGH. Jgn buat emotional invmt Possibility utk PAIF naik sgt besar. PAIF bagi consistent distribution every year. PIADF pun bagi distribution PITSEQ and PIT bagus utk client yg sakit How to convince client? Guna Rule of 72. Illustration ... yg kita selalu dengar tu Duit long term CPF pun duit tak boleh ambil till 55

Tengok body language client. Tak de satu jawapan yg tepat utk setiap org Nak kembangkan simpanan dia Ada beza tak nak close perempuan? Comparison 4% to 6% vs 8% vs 12%. So kita guna 6% vs 8% Kita guna 8%. Tak nak over promise. 8% camni dapat. Bayangkan kalau 10% dan kemudian jadik 15% Tengok QFR. Fund yg lama2 tu, 10% p.a paling max Sekarang banyakkan Dollar Cost Averaging. Bagi brochure DCA bagi client. Suruh dia baca kat rumah. Kita kena fikir LONG TERM Cara presentation Bul: Utk client yg tak tahu langsung. UT is a collective invmt Lukis flow chart UT dapat capital gain/capital appreciation. Buat comparison denga emas. Selalu org compare dgn ASB 1g emas 10 tahun akan datang Distribution Dividend di convert jadi unit Emas 1g. tapi x de free gram UT ada free unit Duit diinvest oleh Fund Manager PM Dikawal selia oleh Board of Trustess. Dia memihak kpd client Ada syariah committee. Segala proses di kawal selia oeh BN dan SC Baru org confident. Duit yg masuk dlm UT - cash dan CPF Then cerita Rule of 72.

Client tanya berapa kau yg dapat. Charge tu 3% or 5.5%. Bagitau general je. Tapi kalau u simpan 10 tahun. Tunjuk QFR yg untung dlm 1 tahun. Apalah service charge nak dibandingkan profit yg u dapat. Client ramai yg beberapa kali jumpa baru dia sign. Kt kena respect decision dia. Kerja kita professional. Walau dia nak fikir dulu. Q: Kwn2 tahu yg u background finance. Yg buat pelaburan buakn sy. Fund Manager. They are professional. PM comapny besar. They hire the best from the market. Tapi tak ada org yg tanya Q: tak menyesal ke berhenti kerja jadi PM Tak menyesal. Sbb fikir long term. Kita kena lalu the processes Time tu flexible. Kadang kt keluar malam. Pastu siang tak keluar RM10mill AUM dah start nampak the CB tu Mula2 rasa berat. Lps tu dah fokus. Mula2 tahun 2016 lepas berhenti. Nak start, tak tahu mana nak start.

4/10/2018

SFK Tips semalam dgn geng Shah Alam AMARAN KERAS: ayat SFK semalam lagi ganas, keras dan deep. Kalau x tahan jgn teruskan bacaan. Ditakuti ada yg sembam muka kat bucu katil nanti. Ini pun tlh di tone down. 300k sales in 3 mths. Mengaibkan. Maksudnya sebulan baru 100k sales. Baru 2k sebulan Kalau 3 bln 600k. Maksudnya 200k sebulan. Baru 4k sebulan comission We want to live by EXAMPLE Kt nak anak naik pentas. Kt ada naik pentas Tunjuk kejayaan anda. Ikat kan BIG WHY anda Bagitau mak ayah. Bulan 11 nanti lt pergi umrah. Semua abang/akak bayar. Boleh tak

Bagitau anak. Nanti cuti sekolah. Kt pergi Disneyland HK. Boleh tak? Nanti setiap hari anak anda akn tanya. Kat Hong Kong tu sejuk ke. Kt nak duk hotel mana. Flight berapa lama Yg PERTAMA is ur BIG WHY How to get ur CAPE TOWN? Skrg dah bln 4. 9 bulan lagi 3 juta to Cape Town 333k monthly for 9 mths 83,333 weekly 20,833 daily Kalau u buat apa yg saya ajar ni selama 5 thn. Pastu anda akn capai semua challenge trip 5 figure income Kt kena betul2 dahaga. Betul2 lapar. Wahai perempuan2. Jgn kau ingat. Kau ada laki. Kau selesa Bila kt nak buat kerja. Kena ada commitment Dapatkan mutual understanding dgn spouse dan anak2 Jgn jadikan anak siteri anda sbg faktor kegagalan anda. Jadikan faktor kejayaan anda Sy ada kat sini sbb sy nak tanggung parents dan keluarga sy Istiqamah vs Istimriarah Nak tak utk dpt 10k in 5 years Ini utk yg pemalas. Kalau anda x dpt. Mungkin anda super pemalas. In 1 week Closed 5 epf sales Ave case RM1k. 1 week RM5k Sebulan RM20k

Buat istiqamah selama 10 thn Hari SATU menjadi warrior di Shah Alam. Apa sy nak buat Recap 1. Know ur BIG WHY 2. Brp nak sebulan. Nukan setakt 3l to 4k sebulan. Ikat BIG WHY anda. Fahami sales anda. Ada goal anda Ada sistem Kena Istimriarah Sentiasa meningkat. Sentiasa meningkat. Tgk hand-out 2016-2017-2018 Cara nak analyse ur ave sales in 2016 n 17 Pastu forecast 2018 Kalau nak jadi agen. Jadi agen yg kuat dan berani Kalau sales bawah rm100k sebulan. Itu pondan. Apa yg sy ckp. Anda sentap tadi. Sy mohon mahap. Bukan tujuan sy nak ... tp nak kasik anda sedar dan bersemangat..

4/8/2018 Salah satu tips dr Tahir utl jumpa klien spy klien sign je instead of kt update invmt dia pastu malu nak suryh dia sign [13:18, 4/9/2018] myunittrust: Salam Tn Bahrin. May I meet u tomorrow kat Menara TM or ur ofis. Update ur invmt in PM dan utk sign new form. Tk. Arif Public Mutual.

4/08/2018

260 UTCs 50 agency supervisor 4 Agency Manager

Tip Rekrut by Yazid Ismail.

Recruit ni make it simple. First kena ada mindset senang senang. Baru rasa senang nak recruit. Ubah ayat kita jadi senang, boleh. Baru aura tu senang lekat. Set affirmation. Branch manager wassup yazid bgtau, u mesti recruit 10 bulan ni. Yazid jawab ok. Dia semua ok je, jangan jawab tidak. Baru la kita rasa senang. Kalau branch manager tak wassup. Dia yg ws brnch manager bagtau sy nak recruit 10 org bulan ni. Affirm. Bulan ni set target 20 org. Dah dpt 16 org. Slow skit sbb jaga anak tak sihat bergilir gilir anak dia demam. All recruit thru fb. Sblm jmpa mntk prepare all doc. Baru jumpa. Yg jauh tu, mintak paid rm265 pd yazid. Dan dia akan byrkan dan print the slip. Nk tunjuk yg org tu serius. Kalau tak jmpa2, buang masa je dia tk buat apa apa. Full day coaching. Kalau jauh. Ajar terus sehari. Mntk prospek suh cuti. Isi contract dan ajar semua dari present smpi isi form. Satu ari coaching mcm2 blh ajar. Kalau bintulu sorang pun yazid dtg. Affirm. Beli contract 20, thumpad 50. Thumpad ni jual pd new downline dan kasi subsidi skit. Bg complete all the form berjumpah rm46. Prospek byr balik pd dia. Semua suap. Partime agent need kena suap utk permulaan. Mana ada masa nk beli form, cari thumpad bagai. Nanti dorang down bila cari thumpad tk jmpa. Last 2 week gam norlela share, dia punya downline terminated almost 700 org in total. Yazid 2015 recruit 68 org. Termasuk park bawah wife dia. (Sorang agent boleh recruit 49 org utc ). 2016 terus naik GAM. 34 org terminated. Skng downline yg buat sales dlm 160 org sahaja. Fultimer 6 orang.

The rest partime sahaja. Number of game. Last month GS 5.2juta Bulan ni dah almost 5juta up to date CAMS2. Keep recruit. Skng dia top 26 GAM. Target nak top 20. Dan target GS 7m per month. Dia kata boleh. Now AS bring more utc, cucu cicit dia berkembang byk. Tak mustahil katanya. Keep positif. Beli form contrct byk2, form tu bg aura. Bila tgk byk2, rasa nak abiskan. Pernah beli smpi 50 contrct form. Beli thumpad byk2, fotostat soalan bocor byk2 bg kt prospek agent. Always fokus pd CB, bantu new agent submit ( utk 3 bulan pertama dan atleast 2 form skali submit), dan motivate new downline yg dah konsisten buat sales 100k above utk become fulltimer. Dont push to hard. Blh motivate them, but dunt push them. Nanti dorang left. Pernah bawa agent yg baru dpt agent code utk attend BOP. Agent tu nak dtg. Speaker BOP kondem org makan gaji. Terus 2 org new agent tu tknk buat UT. Jangan rendahkan atau perli org makan gaji. Situla sumber rezeki kita. (Epf) Dun give up. Keep recruit. Make it easy. Firm. Fikir senang. Fikir boleh. Aslam top recruiter From cheras training room.

4/2/2018

Tips from Rudi 1. First impression last. SMILE 2. Identify NEED. Mula2 buat UT 3. Dah sign n thumb print. Baru cross sell spt DDI for additional retirement needs n edu plan for his/her kids Our Product is only TWO UT n PRS Our Services . Investment Planning . Trust Nomination . Wasiat . Zakat Macamana utk gain confident utk jual Kena yakin baru boleh jual. PIDF masuk 2003. Tak pernah x dpt dividen Kena masuk sendiri dulu dan tunjukkan testimoni Ckp kat klien. Kalau u meniaga hari2 untung ke Kalau meniaga air. Musim hujan untung tak Bagus guna jawapan emosi cam Kak May n teknikal cam GAM Hasan Kak Wani: bila u join UT as a consultant. Objective is for LONG TERM NOT for short term We plan for their retirement or education When K Wani jumpa client. Mmg focus LONG TERM U mungkin x nampak dlm 4 thn. Tapi kalau 10 thn insyaAllah akan nampak hasilnya Kak Siti: tak focus on performance

Focus on objective Kalau focus on performance mmg u akn rasa stress esp when u enter in 2014 Paling senang CPT. Cannot touch until 55. Focus on helping their objective Kalau u miss 3 mth interval. U cannot meet ur objective U can't deliver performance but u can help achieve theor objective Ur wife kerja tak. U need to achieve M U nak tak to achieve tabung RM1mill Boleh if u give me the time. Yg u nak pakai duit. Ltk kat TH. Yg excess ltk kat UT. Tanya klien bila doa nak withdraw. Why? Mmg nak pakai atau saja2 nak merasa Fokus on TAKAFUL n PA Kakak dl Kak Siti: Pun ada rasa perasaan mcm x confident. Ada worry tu. Jadi. Kena follow class. Esp CRB Macam GAM Hasan tunjukkan distribution over the years. Then she starts terbuka. Dan mula present. Client feedback i present bagus. Structured. So dpt dr training byk knowledge Makanya bina keyakinan anda Kalau klien yg nak konvensional. Knp u nak beli ut conventional. Beli je magnum, genting. Lagi cpt kaya Kt nak pergi trip moscow. Amik insurance ke takaful. Next time amik takaful for trip

Ini bln terakhir utk kt dpt BONUS NSC points. So semua mau PULUN HABIS HABISAN!!!

3/20/2018

Notes taken yesterday during Favi's sharing. As it is. Without editing [09:37, 3/20/2018] myunittrust: Favi 1. Set KPI 500k/mth Baru 10k Is it enough All of us are doing sales Hv the habits of submitting every day Min 500k disbursed a mth 1 customer pun boleh bagi 500k Penting is to FOCUS Tak boleh divert Stress, heart attack jika kt multi tasking sampai tak tahan Set an achievable figure. Why harping on VIP customer berbulan2. Tp tertinggal yg lain2 Aktiviti kena banyak Cold calling Road show Corporate U must know how to talk Corporate? Ada tak lebihan... Kat mana u simpan. Jot down kat mana dia letak Bila jumla customer. Mind must always bergerak 2. Constantly acquire new knowledge

Free wasiat takful hibah etc Foreign vs local funds 3. Constant Activiry Wake up early. Lps subuh terus keluar rumah. Dhuha Motto: Be bold, be brave Dress for success Maintain daily call report. Maintain giod housekeeping Daily appt report Submission daily. Dont hold or keep. Jgn waste time Submit SA dulu Set target every day RM50k tak kira hujanke panas Seminggu sekali activity memang payah 4. Sales Activity Corporate Pres at Corporate Office Via HR Relation/Corp Communication/Finance Dept 20 surat htr. 2 kata YES. SME je dah beribu - presetn UT bemefits Office block sales booth at high traffic area like canteen, lobby or nesting for building who dont condone sales blits at canteen for 1 week - thousand of office blocks in major town area in kl penang jb - tie up with banks credit card booth in view to portable epf kiosk availability - leverage BBS. 50% discount Ramai buka kat shopping complex. Mau try kat office block Sales Blitz/f2f . Solicit cases for untapped customer post open counter at canteen or call to secure appt . Record the cases n open file

Sales blitz kena buat. Cepat. Tak perlu tunggu buat surat n approval . Mega Event/Mall Promotion 5. Rwgularly review mthly production from CAMS2 6. Regularly update customee add-on facility like MG, Gold Elite, Wasiat, protection/takaful, hibah, zakat, utc@work n cams facility PM are much better Much ahead Close competitor is Kenanga. We know their weaknesses Video Never Give Up Moments Final 400m Barcelona Olympic Games Coach bantu him to finisb Never give up to have big cases Never give up to get 1 case every day Kt x de target below 10k Masa kat credit card earn 27k Main objective but do not stress myself Buat buat buat Buat jgn tak buat Kalau Kak May kena buat kenapa sy tak boleh buat Role Play at MSU Lecturer tanya. From Iraq. Is it credit card.

Yes. What are u looking for. Foe my wife. Buka booklet free pre-approved credit card provided u must open an account min RM150k invmt Custom-made for customer Follow up a few weeks Sales Blitz "U mesti x de lagi PM" Kalau dah ada. Berapa lama. Is it epf or cash Are u a MG client Can I make an appt to see u next week. Amik no hp dia. Then Masa buat booth dgn Phillip Mutual. Tp still boleh close Boleh I blh jumpa abang/pn Doing sales with target. Listing get from Newspaper Manufacturing directory Cover Selangor NS Melaka Ask for: 1. staff briefing 2. Promote at meeting room area 3. ... GAM Jai wrap up Never Give Up Now or Never

Down sekali tak ape. Masa u aka sampai Discipline over the years during employment time. Favi transfer to this business Focus Every day mesti ada activity. We can control activity. Rezeki Allag yg bagi Rm50k per day Training akn habis 10pm on the dot. Thus kena start 8 sharp. Next week speaker is Kak Wani Part timer must come every week Full time must come every week Big round applause to GAM Mary Introducing GAM Hisma join CRB Join PM at 30. Fast track GAM. 29hb akn share di Pcg Cantek tp malas tak boleh jadik GAM. Kira masa masuk PM awal2. Nak jadik GAM. Mula2 PM memang teruk. Tp by geography area. Kena smart Kerja kuat dulu. Sales n recruitment jln serentak Join bln 4 Bln 7 closed rm5juta. Income rm200k. Nak join tak. Penulis Jalanan Arif al Caliph

3/5/2018

Tip Utk Check Ur Form is Old or Latest Hari ni dah terkena. Htr form Trust Nomination yg x de tulis JomPay kat 2nd page . Jimatkan masa spy x perlu jumpa klien lagi . Jimatkan minyak, tol dll

Check dulu kat UTCConnect under tools/forms 2/28/2018

3 TIP KHAS UNTUK ORANG YANG BARU NAK BERNIAGA Since ramai yg baru join kat sini. I wanted to repost somthing that was written a year ago on 7 Feb 2017. Read it carefuly. And re-read it. Because I wrote it from the deepest point of my heart. . 1. Time yang fleksibel bukan untuk anda. Anda perlu disiplin . Kalau anda rasa nak buka ikut suka anda. Dan nak tutup ikut suka anda. Jawapannya. Tahun depan anda dah buat bisnes lain . 2. Money freedom pun bukan untuk anda. Anda kena budget betul2. . 3. Ikut cakap mentor. Mentor suruh gali lubang sedalam 100 meter. Dan anda akan jumpa air. InsyaAllah. . Anda tak sabar. Anda gali 10 meter dalam. Pastu tukar lubang lain. Sampai 10 lubang. Kerjanya sama berat. 100 meter jugak gali. . Hasilnya tak sama. Anda tak jumpa air tu. . Jangan terkesan dengan bisnes yang macam-macam. . Usahakan 1 dulu sampai jumpa air. Pastu kalau nak diversify. It is up to you. U know ur strength. .

TAPI Ingat kisah Steve Job masa mula2 ambil alih balik Apple. Dia buang semua non-core business Ingat kisah Tony Fernandes. Focus on airline till succeed. Then he assigned new CEO. After that he moves on. Sir Ken Robinson kata Jika anda tidak bersedia melakukan KESILAPAN Anda takkan cipta sesuatu yang ORIGINAL. ASLI P/s Saya teringat 3 bulan yang pertama dalam bisnes. Setiap hari 9 to 5. Without fail. Saya ke market place. Cari klien. Angkat meja. Angkat kerusi. Muka tebal. Buka booth. Call sana. Call sini. Skrip presentation caca marba. Jalan je. Rejection biasa la. Apakah perkara paling BURUK akan berlaku, kalau kena reject. Luka ke? Berdarah ke? Mati ke? Kena gali lubang sampai 100 meter. Alhamdulillah dapat 90 klien lebih kurang dalam masa 3 bulan. Semuanya dari Allah. Dan satu lagi kena ingat. Kita kena betulkan yakin kita. Kita usaha sungguh-sungguh. Tapi yang bagi rezeki pada kita ialah Allah. Supaya kt tak bongkak, takabbur. Tengok - cara inilah berjaya Seperti doa yg kita baca bila keluar rumah: Bismillahi tawakkal tu 'alAllah La hau la wa la quwwatailla billa.. . Dengan nama Allah, aku berserah diri kepada-Nya, dan tidak ada daya dan kekuatan kecuali dengan pertolongan-Nya Semuanya dengan pertolongan Allah.

Ustaz kata jangan kata macam ni "Kita yakin dengan Allah tapi kita kena usaha" - bahaya kata2 macam ni sebab kita menafikan Allah. Sebaliknya kita kena kata "Kita usaha sungguh2 Tapi yang bagi rezeki ialah Allah" Kata2 macam ni menafikan makhluk. MengISBATkan Allah. Wallahua'lam Arif Ismail Silakan share jika bermanfaat (baru edit)

1/29/2018

Tip Merekrut Sales is our right wing. Recruitment is our left wing. Must go concurrent. Go fast - go alone (mcm Husain Bolt) Go BIG - go together (mcm Steve Job) To help u recruit. Ni ada skrip yg baru sy hantaq kat prospek. Kalau nak guna. Buleh sgt. Skrip Prospecting Salam Adinda, Ingin Menjadi Agen Unit Amanah? Download ebook Panduan Agen Unit Amanah untuk anda melihat potensi pendapatan anda http://bit.ly/ebookAgenUnitAmanah When you are ready, we can set an appointment as follows: 1. Public Mutual Shah Alam Seksyen 15 every Monday 8pm Lokasi: http://bit.ly/pmshahalam

2. Public Mutual Cheras alternate Wed 8pm Lokasi: http://bit.ly/pmcheras 3. Putrajaya Home Office weekdays 9.30pm or weekend 9.00am (by appointment only) Lokasi: http://bit.ly/pmputrajaya 4. Public Mutual Seremban Wed 8pm (once a month) Lokasi: http://bit.ly/pmseremban Jom bersama membina pendapatan pasif walau bekerja dari rumah Tk

1/29/2018

Income Allocation Ainul Sharing Follow T Harv Eker JAR System Those who doenst grow, die What u give u get back U ll get back 7 times or 10 times 30% goes to invmt UT Basics Teknik Engagement Black Pen Theory Kt x nak prospek main hp. U ckp sorang2. How to start writing Tunjuk pen kat dia Mr Client I dan u dan semua org. Kt ada duit. Tp belum millionaire lagi Jadi kt gabungkan duit kt

Dalam dana Labur dlm 3 tmpt Duit ni. Kt jgn bimbang. Sbb ada certified fund mgr Jgn bimbang sbb dipamtau oleh syariah comittee Mr Client. Jgn bimbang. Kt takkan manipulate ur money. Sbb kt ada trustee. Kt ada pulangan dlm 2 btk 1. Capital gain 2. Dist. Mr Client. Kami x syok sendiri. Kt dipantau oleh SC, Bank Negara dan FIMM One concept in business. If u open powerful. Ur closing is mudah Rule of 72 Mengatakan bahawa 1 debuk nak jadi 2 debuk Dgn formula 72/i Kt guna bila kt nak compare A dab B Cpf = 6% PM = 8% - 15%. Kt amik 10% 72/6=12 Jgn lupa suruh klien tekan calculator depan dia. Engagement 100k -->200k-->400k->800k Age 40 -->52 64 76 Compare dgn PM 72/10 U get 1.6m at the earlier age

Kalau u umur X ada extra 800k. U blh buat apa. Beza tak? Suruh klien yg cakap DCA/RCA Cth 100 sebulan Lump sum 1200 Price = 10 Dpt 120 unit Jika harga naik ke 12 Dpt 1440 Dgn DCA Dpt 130.5 unit Darab dgn 12 Jadiknya rm155 Why Public Mutual 286 awards >80b assets Supported by PM. No 3 dlm ranking stock market Kt nak branded bag kasut. Maka belilah branded UT Mad Din Sharing ============== Financial Planning & Life Projects I.M.H.E.R.O Projects Utk capai impian setiap org Dlm klas Need Based Selling The concept I - Invmr Goals M - marriage H - house E - edu fpr kid R - retirement O - others

Proposed Time Frame Umur 22. Simpan 6 thn nak kahwin. Simpan 100 for 6 years. Dpr 10k Nak 30k. Kena simpan 300 la Konsep di sini ialah nak menggalakkan org menyimpan spy tercapai impiannya Klien kata rm300 x boleh la Housing Fund 100 aebulan selama 10 thn dpt 20655 Kalau x simpan kat PM 100 x 12 x 10 ÷ 12k 20655 - 12k Almost double the profit 18 years edu plan 100 pm @ 18 thn = 60000 10% ave return 500pm @ 18 thn = 300k Video Selingan Happiness Starts With Smile Ainul Sharing Retirement Planning 34% saja yg buat savings 5 years only to survive 20 years to live The Impact of Inflation Kuasa beli makin menurun We are debts society

Nak apa2, hutang dulu. Income below 3k. Miskin bandar. Nak selesa. Above 7k How to Maximise Retirement Funds RoI CPF SMILEY FACE PRESENTATION Gain control back of ur fund - klien akn ubah fikiran Role Play: Mr Klien. Epf ada 2 akaun Akaun 1 ada 70% Akaun 2 ada 30% Akn 1 utk apa Akn 2 utk apa Rmh Edu Med Mr Klien. U tahu tak dia bagi pulangan The average 6% U tahu tak u blh maximise pulangan.. Bula pocket calculator Umur 49. Basic Saving 154k minima Remaining boleh ambil keluar 30% masuk ke dalam PM yg bagi pulabgan 8 - 15% Setiap 3 bulan sekali Lps tu present Rule of 72 Kalau dia dah nak. Suruh sign je. Tak payah nak sambung cerita lagi.

Income Infinity Credit to Jai, Zamri dll yg pernah cerita ini Tapi digabungkan balik hr ini. Nak income smpi qiamat Infaq blh di infaqkan Strategi: 1. Kekalkan dan kembangkan yg sedia ada 2. Kawal ketirisan 3. Tampung kekurangan Gunakan IMHERO sebagai checklist En ada impian kan Ada invmt kan Utk marriage no1 dah kan Utk marriage no 2? Utk anak kahwin Education utk diri? Utk anak? Masa tu blh tahu anak dia umur brp House no 1 dah ada kan House no 2 macamana Others - haji, renovate dapur... Perancangan Pencen Infiniti Look at the slide image shared by others Jab Statistik Lelaki ave 72 Perempuan ave 77

Role Play. Draw 1 line Simulation Dpt 4074 per mth. Butcthe buying power is like 1k NOW Katakan dia nak 16k sebulan. Sbb kt assume 4 kali ganda to combat the inflation 6% dpt 2.2m 10% dpt 1.6m Tunggu Ainul htr the softcopy ya Warren Buffet says Do nor put everything in one basket Dont only put in cpf Diversify to PM Rule of 72 diasaskan Luka Pacioli pd thn 1445. Italian mathematician Closing by MD Show up every day Work hard every day Improve every day Eventually they become what they are Patrick-Bet-David Wrap-up by GAM Sahar 20 thn dulu. 2 thn kerja lps grad. Boleh kahwin. Duit ckp. Skrg. X cukup Hantaran Kenduri kahwin 9 dulang 50k mau simpan Circle of friends of our kids. Peers pressure. Org pompuan x pandang yv sado2 kalau poket x sado.

1/24/2018

Tip To Recruit More While Sipping a Latte at Home and Servicing Client at Nesting Place Cuba tengok form ni. Baru nak mengarang dlm fb utk post makhluk ni. Goals: 1. Branding urself as an authority of the subject 2. Long term recruitment drive. People will notice n remember u. When they or their family n friends x de kerja or nak buIld business. They refer it to u or just share this link. Learn from grab n uber mktg techniques. Simple but IMPACTFUL http://bit.ly/daftaragenunitamanah May be next Wed Training. We will touch on 1. How to Create This Forms 2. How to shorten the link 3. How to write teasing fb post

1/23/2018

Hari ni closed RM25.7k. Alhamdulillah. Ada agen baru ikut sy nak dgr mcmana cara nak closing. Sy pun bawaklah. Klien kata jumpa kat kedai tomyam tepi surau desapark city. Sy smpi. Terus bagi diary dan desktop calendar. Pastu tanya khabar. Tanya anak dia... Sebelum makanan sampai. Dah settle sign n thumb. I tanya new agent. Senang tak bisnes ni. New agent ckp. Tak de present apa2 pun. Terus sign n thumb print je. Jadiknya... Jgn tertipu dgn bisnes yg dah lama berjalan. Mmg dah cam auto je. Utk yg baru nak up. U hv got to follow the basic steps that we learnt during last Wed training

1. Do prospecting. Banyak2 kali. Script simple. Salam. Sy ... dr ... Sy nak tanya satu soalan je dulu Dah ada akaun ... Kalu x tahu skrip ni. Sila pm Tahir. 2. Buat Presentation Dulu2 sy ingat presentation ni kena pakai projector. Mmg poyo btl. Sbb masa kat TM kalau nak present je, mesti ada projector. Rupanya... Pakai kertas n pen je. Get ready qfr n pocket calculator je sebagai hard evidence. Testimony. Skrg pakai hp atau tab je terutamanya jika tulisan anda mengalahkan tulisan doktor. Apa nak present? Dah bg semalam kat wasap grup masa Aslam mintak. From my 13 years of research. New agent ni selalunya tak tau nak start. Apa nak cakap. Build rapport aka connection. No rapport - no right ro sell Cara mudah nak build rapport ialah (credit to Tahir): 1. Tanya berapa lama dah kerja. Tahniah dia jd bos... 2. Dah kahwin ke belum. Tanpa niat apa2. 3. Anak bongsu umur? 4. Tgk surrounding kat ofis atau rmh dia. Gambar anak atau golf atau sijil2 bergantung. Ackowledge them. Kasik dia UP. Bukan ONE UP. Apa itu ONE UP - u tgk dia ada degree. U ckp I ada PhD. Camtula. Menyampah orang. Problems of NEW UTC?

Lacking on ayat pembuka dan penyambung je. Dan juga some mind opening story or jokes. Tip Memukau Prospek: 1. Sebut nama prospek byk kali. Pn Izzati Pn Izzati. Pn Izzati Pn Izzati. Pn Izzati Pn Izzati. 2. Tanya prospek 5 kali soalan yg dia terpaksa jawab Ya Ya Ya Ya Ya. Mcm cerita susu 3. Closing guna comparison je. Bagi soalan suruh prospek jwb Jika Pn Izzati diberi pilihan. Pn Izzati nak 800k ke 1.6mill Mesti 1.6mill dia jawab. Terus u hulurkan borang. Sign sini. Dan thumb print sini. Pastu bagi I IC copy 2 salinan Done Itulah cara biasa2 sy dan geng2 otai buat. Yg penting htr surat mcm Honda htr kepada 18,000 pemilik kedai basikal. Sudahkah anda dan saya htr surat utk 18,000 prospek? Nak mengurangkan kerja2 prospecting. Serve ur client well. Nanti dia bagi referral. Siapa pandai fb. Boleh bayau fbad. Terus blh htr ke 18,000 prospek tu.

1/23/2018

95% of business start-up fails not because they don't know the product or they don't know how to present it to prospect. They failed because of . . . Lack of Prospecting [10:46, 1/23/2018] myunittrust: Tip Prospecting Kacang Goreng utk Existing Client

1/22/2018

Dr Ismail And Rahman CRB Training 22 Jan 2018 U must know what u dream He had 2 PhD Ranking PB in this world. So that we are confident Bank World Ranking Vision Top 100 Bank in the World 151 top bank in the world - Pub Bank We are representing the top 151 bank in the world. Majalah Forbes - 132 largest public bank in the world Asia Pac we are no 20 The Why What How Of Total Change Mgmt Apply this blueprint at JB. New bank want to introduce takaful In 6 mths he recruited 70 agents People at Work

Money at work System at Work Changing from Ordinary to XO It doesnt matter where u come from Student dpt 15k tu. Dulu x tau pun. Dia tanya FD tu apa. Now he has bought a hse and a car In this business, we must go to the zone U kena buat muka 60sen selama 60 saat A proven technique Buat muka 60 sen selama 60 saat At his 20. He taught add maths to failed student Pastu diaorang lulus cemerlang Get way from snaiop. Zig Ziglar U are suppose to be abnormal in the bis. Gran Krazone - 25 y.o. Normal people like us. He listen to Brian Tracy. Now he has 4000 apartments Run away from snaiop Negative people U must be in the ZONE U must hv MENTOR Dulu org kutuk FUN MANAGER. Now fund kt potong pencen Read 43 times Think n Grow Rich 1. Zone. Muka 60 sen for 6 mths. Tak rasa apapun. 2. Get away from Snaiop

3. 3 feet from GOLD More than 500 successful people become Al Baqarah 150 Semua org akn diuji dgn kesusahan Bila u face the situation. Go for it Andrew Carnegie - worth 62b. Lahir kat Scotland Dr Ismail visited the katil to get Andrew Carnegie aura energy Anchoring exercise. Metaphysic Buku T n G Rich Cerita Tariq Zaid Dimanakah jalan nak vabut lari Musuh di depan Laut di belakang U must hv faith in urself Perang terakhir Korea dgn Jepun 200 kapal Jepun 13 kapal Korea General Yi How u want to bring the biggest sales in KL Korea movie 1 vs 200 ship Turn FEAR to COURAGE This is where we fight This is where we die

Dr Ismail on TV: Wealth creation Duration 2018 U hv to be like Korea Kadang2 in bisnes. Kt nak jadi mcm org lain Competition is for CC Tony Robins belajar dr Jim Rohn Kalau kt x dpt jadi haruan jadilah sepat. Tp sepat yg paling pantas dlm paya Be yourself. Fastest of u. 2007 n 2008. Ramai x berapa faham ttg bisnes 52 juta buat dlm 40hari Kat JB. Tak pandai buat sales. Tunjuk tangan tanda best. Tp blh berjaya jugak U must be very smart street Best bank X de ikatan Ada appt specialist. Hire them. U are taking away the emotion Brian Tracy said apakah rahsia org yg x ... tapi dpt girlfriend ... Proposal... Similarly. Businesman is waiting for proposal PROPOSAL use alternative close I want u to invest in

1. Paif Or 2. Pit Chances pf ur closing is 300% Jgn la u bawa QFR tu. U pilih la sendiri Kadang2 kita kena pakai cara ... 2 org kawan baik. Hari2 pergi bank. Masukkan duit Bawa 2 borang Savings form vs Invmt form Client x suka isi borang. So dptkan sign dan cop jari. Balik kt isi borang utk dia Frank Bettger kata how I wemt from .... Enthusiasm Create an authorisation - 4 kali ganda closing rate Dpnt reinvent the wheel Company that tend to do well in UT invmt have seem to follow 4 key Elements 1. They tend to invest in the right proven track rexord funf 6000 company 2. Right com 3. Right strategy 4. I will tell u at the end ... The rogjt consultant Andrew Carnegie said u can take away all my plant all my money... my men

Built To Last by John Collins Jgn jadi normal mcm managers of the CEO WALMART started in 1962 at Rogers Alabama. Ulu kampung In 1979. Sales is 1bill 2014 - 1bill a day Apakah RAHSIA Every time a customer comes within ten feet me, I will smile Look him in the eye And greet him John Levinne grow 500m agencies Mesti ada centre Buat muka 60 sen selama 6 bulan Awaken the Giant... Honda nak start bis. Dia tulis kpd semua shopowner basikal Brp banyak dia htr? 18,000 shopowner If u want something that u never had before in ur life U must do something u had never done before Not where u start Is where u end BIGGER than big

He has prepared 6000 databse of companies Wal Mart humble beginning Jual susu je 40 je dlm poket. Now 5b Recioe rejected 1009 times Apply Harvard 10kali JK Rowling Ending with 1 story Benang Hijau Fadzilah Mamat Cerita katak pekak Jatuh bawah org pijak u atau u jadi idola There is no middle class Cepat2 jadi UPPER CLASS Katak masuk dlm perigi. Semua ketawakn dia U kena jadi pekak U must hv mentor U must be different Movie Dream of becoming tje boggest company in India Next become the world biggest company Shall we tell the world that we are coming In agency building. U must hv minima 25 dls Then 50 Then 75 Then 100

U dpt 4 org strong U kena jadi separuh gilerr 6 bulan Akn dpt astronomical growth Apa yg membezakan lamborghini dgn kt Kt cerita dolar sign Kt cerita percentage Lambo cerita Multiplication PB can DOUBLE ur FD U can 3 times.... Kt kena be more proactive Dr Ismail 013-3275428 Training n Syariah Invmt U hv to know the system 1. U must be in the ZONE. Masuk dlm dunia lain. 2. Avoid the SNAIOP 3. 3 feet from goal. Lagi kena ke depan. Success is just 1 step after that ... Mesto ada conviction Riaydhus Solihin Saad Abi Waqas nak tgglkan 2/3. Nb kata byj Jika kamu tgglkan waris kamu dlm keadaan kaya lbh baik dr mereka meminta2. How he manage 1000 clients . Public Savings fund . Pub Ittikal

6.5 kali ganda Tell ur customer to invest long term 2 je sbb kenapa client call. 1. Nak buat apa duit ni 2. Kematian U must see people U must hv story Cerita bagi different Just BE YOURSELF Ada x buat asset allocation? 2007 semua masuk PCIF. Allens MSI book. Recommend yg dah ada track record Dr Ismail always recommend PIDF as one of the fund I would like to hv a business proposal How Dr manage ur downline Pernah ada 120 dls. Always hv a meeting. Must hv something new Graham Kazone. Hari2 mesti tgk video youtube 30secs. Hello sy dr PM Public Bank. U must stress PB Always come with proposal Proper dress Nak jumpa 10.20am esok. Not 10.00 am

Good proposal 10mins je cukup I want to hv ... custom made to u. The End Pencatat Arif Ismail Musafir Al Caliph

1/16/2018

Powerful Doa by Nabi Musa 1. Rezeki 2. Rumah 3. Job/Bisnes 4. Jodoh [15:05, 1/16/2018] myunittrust: Kisah yg mahsyur. Nb Musa lari dari Mesir sampai ke Madyan. Dia dah tolong 2 orang awek cun untuk ambil air.

Kemudian dia bersandar di sepohon kayu. (Jgn sambung daunnya rimbun pulak) Dan dia baca doa di atas. Kemudian dia mendapat jemputan utk makan. Kemudian dpt tempat tinggal Kemudian dpt kerja Kemudian dapat kahwin. Ulama cakap - amalkan ini. InsyaAllah 4 bulan belum habis. Anda akan mendapat jodoh ye. Tip utk dpt klien, rumah dan jodoh Amalkan hari2 [15:06, 1/16/2018] Cikgu Farizal Pm: Waktu bila afdal amalkan doa ni abang arif? [15:07, 1/16/2018] myunittrust: Setiap lps solat fardhu

1/15/2018

Notes from a reliable friend.

What is PRS? Think of it like optional to EPF. If you are a working adult, you know that 11% of your salary is deducted for EPF right? The money goes into a ‘tabung’ managed by KWSP, who will invest it on your behalf. So the money you contribute to PRS goes into a ‘tabung’ managed by a provider of your choice, who will invest it on your behalf. It’s like EPF? So my employer also contribute? Must give every month? No. This is 100% your contribution. Enough la, your employer already give you 13% contribution already (12% if you make more than RM5000 a month). As for contributing every month to PRS, you can, but you don’t have to. I contributed RM1000 in 2015 to get the incentive and haven’t contributed since. I should continue Addition from reader Nadjwa: Employer can also contribute to PRS. And they too can get tax incentive. However both parties (employee & employer) are free to choose the amount and contribution frequency. No need to contribute with a fix amount every month. Employee also can auto deduct from

salary as low as RM50 for each contribution. Can I ask my employer to switch contribution from EPF to PRS? Cannot. EPF is mandatory. Then might as well make extra contribution to EPF right. You can, but if you are between 20-30 years old, do you really want to miss RM1000 in free money? How do I get the free RM1000? Via the PRS Youth Scheme. To encourage our generation to save for retirement, the Malaysian government will be giving 20-30 year olds an extra RM1000 when they contribute RM1000 towards their PRS. Government got money meh? The budget for the PRS Youth Incentive was tabled and will run between 2014-2018. So yes, it was already allocated. Given that Malaysia has more than 5 million youths aged between 20-30 years old, and only 26,825 youths took this incentive in 2014, I dare say that yes, money is there. So take your share. I get the RM1000 one time or every year? One time only. Got conditions not to receive the RM1000? Got. Nah. Basically, Cannot be from employer, unless via salary deduction. Cannot transfer from another provider, but switching funds is okay. If you don’t have contribution yet, this is not relevant for you. Contributions made between 2 Jan 2014 and 31 Dec 2018 only. Must give RM1000, either oneshot or accumulated over one calendar year. Meaning, if you give RM900 on 31 Dec, then give RM100 on 1 Jan, still not eligible.Must put at least RM1000 in ONE fund.

If you have 2 funds and contribute RM500 each, still not eligible. How will the government give me the RM1000? They deposit straight into your PRS account, the one you created from the provider.

1/12/2018]

Online Recruitment Tips 9:1 Maksudnya 9 add values to prospects or public Only 1 is to tasykil or mengorat or closing to join. Apa nak tulis? Tulis je dulu yg add values Nak tasykil tu. Kena sipi2. Dan menampakkan u are an authority of the subject matters [11:33, 1/12/2018] myunittrust: Ayat sempat tulis pagi tadi sementara menunggu mem bosa tolong saya. Sebenarnya mem bosa ni banyak tolong sy yg u all x perasan - jgn kata TB ye [11:34, 1/12/2018] myunittrust: 2 tahun lepas saya ada post pasal projek nak pergi ke Barcelona. Kisah bekas caddy golf menjadi usahawan. Ramai orang tak percaya. You pay RM265 je. The rest is: Ceduk Ilmu Sales n Marketing Buat latih tubi Buat latih tubi Buat latih tubi Repeat Repeat Repeat Dan Alhamdulillah dengan izinNya saya dan team saya Tahir Hasmuni, Adeline Suhaila Azizi dan ramai lagi telah dapat menapak di Andalusia. Telah menziarahi kesan sejarah Islam di Toledo dan ke stadium Barcelona n Madrid. Juga dapt tengok lembu menanduk... dan macam2 lagilah...

1 tahun yg lalu saya ada post kan pasal projek ke Moscow pun hanya RM265. InsyaAllah sebelum puasa tahun ni kami 1 team akan ke Moscow. Kalau geng2 otai mesti ingat lagu Scorpions Wind of Change kan masa kat sekolah dulu. Pasal Moskva. Rasa x sabar nak jejak kaki kat Moskva ni. Ahad ni kat Shah Alam Seksyen 15. Kami nak buka projek ke Cape Town pulak. Pun RM265 jugak. Kalis Inflasi. Kalau nak tahu pm atau tengok video ni ya

http://bit.ly/BisnesPelik sebelum youtube delete 😁😁😁 1/10/2018

Tip Untuk Maju Dalam Bisnes Kisah Pengajaran oleh Ulama' Dulu2: Tok guru cakap kat anak murid. Kalau kamu nak dapat kan air... Kamu kena gali lubang sampai 10 kaki. InsyaAllah jumpa air. Anak murid tu pun galilah. Dia buat lubang. Pastu dah dalam sampai 7 kaki. Jumpa batu. Dia penat. Dia terfikir. Mungkin buat lubang lain. Batu tak de kot. Dia buat lubang kedua. Jumpa batu jugak. Buat lubang ketiga. Sampai pada 9 kaki dalam. Lagi 1 kaki je. Pun jumpa batu. Dia gali lubang lain pulak. Lubang keempat. Agak2 dapt tak jumpa air... kalau belum sampai 10 kaki. So galilah lubang sampai 10 kaki ye. InsyaAllah. Kita akan jumpa air. Begitulah kita buat bisnes UT ni. 10 kaki dalam adalah Cape Town. 10 kaki dalam adalah rekrut minima 1 every mth.

10 kaki dalam adalah boleh bawa spouse gi Moscow dan Cape Town 10 kaki dalam adalah sponsor mak ayah pergi Haji dan umrah 10 kaki dalam adalah dapat tambah isteri (baca tambah wang brlanja isteri ya) M I N D A macam L A N G I T H A T I macam L A U T A N Arif Ismail Musafir Al Caliph

12/27/2017

[18:11, 12/27/2017] myunittrust: I just watched GAM Danny video - DDI King at Cheras Summary of the video. Thanks Jas my superb upline jadi interviewer mcm Money Matters TV3 dulu: 0. Currently RM160k/m DDI. His Downline overtook him. RM200k/m - in Cameron Highland. His GAM encourage. We dont know the market. Best way to ride the volatility of the market. Good for client. Good for agent. No need to worry income every mth 1. Start our own DDI. Experience it. Then baru ada roh. Law of Attraction 2. Highest DDI transaction - RM5k. Wang besar for DDI sales. Per client EM20k/m 3. Always track DDI client acct - some client change their bank accts etc, so x de potongan 4. Encourage client to add more than 100/m - berapa yg u dapat. How much u get in the next 10 years. How many 10 years u will gave in ur life 5. How Danny did DDI - high networth client - no need to do Fin Planning pres - majority of clients - buat Fin Planning pres 6. Are helping client if we take 100.m instead of 1000/m . how much u need to save if u want RM5k/m or RM10k/m . never wrong to be rich. U can give to charity . DARE TO ASK DANNY HAS MORE THAN 10 YEARS DDI EXPERIENCE Arif Ismail Tukang Catit Yg Qualify Moscow (mcm riak la pulak) Nak Bagi Semangat Je Tau [18:12, 12/27/2017] myunittrust: https://drive.google.com/open?id=1ub36eSPD-LvLPKjUMNJPYDFLaRiOKBZs

[19:01, 12/27/2017] a NORAZIZIN BINTI OTHMAN: 👍🏻👍🏻👍🏻 12/19/2017

Tip Beli Jiwa [16:46, 12/19/2017] Fatin Dl Mazzura: Salam [16:46, 12/19/2017] Fatin Dl Mazzura: I need help [16:48, 12/19/2017] Fatin Dl Mazzura: One of my customers ni dulu dia ada account with cwa. Just recently ada agent jumpa nak take over. Now dia promote CIMB Islamic Asia pacific equity fund. According to the agent last year distribution 22%. So now she’s contemplating. [16:49, 12/19/2017] Fatin Dl Mazzura: Single mother age 52 - easily influenced. [16:49, 12/19/2017] Fatin Dl Mazzura: Help me how to win her back. [16:51, 12/19/2017] a Tahir Hj Hasmuni: Go and see her [16:52, 12/19/2017] Fatin Dl Mazzura: I did [16:52, 12/19/2017] Fatin Dl Mazzura: Same office [16:52, 12/19/2017] a Tahir Hj Hasmuni: It's not about returns. It's more of rapport [16:52, 12/19/2017] Fatin Dl Mazzura: She has too many things in her brain [16:52, 12/19/2017] Fatin Dl Mazzura: Nak tunggu dividend kwsp la since it’s December

[16:53, 12/19/2017] Fatin Dl Mazzura: For her it’s more of returns 😂 [16:53, 12/19/2017] a Tahir Hj Hasmuni: Bagi hadiah sikit. Beli jiwa. Confirm client tak lari. Haha. [16:54, 12/19/2017] Fatin Dl Mazzura: Hahaha [16:54, 12/19/2017] a Tahir Hj Hasmuni: Tips ni bukan sekadar utk client. Utk pasangan pun

boleh. 😄😄😄 12/17/2017

Tips pagi utk berjaya dunia wal alkhirat - Setiap hari baca Yaasiin. Siapa baca Yaasin di pagi hari, Allah selesaikan seluruh masalah dia hari itu. Kisah benar - saya lihat bgmana insan2 senior yg berjaya dalam bisnes unit trust, setiap hari mereka baca Yaasiin. Satu lagi mrk all the time bantu ibu mereka. Their mother stay with them.. So peringatan utk sy, jagalah bapa sy kerana ibu sudah tiada With luv from PM Shah Alam. Observing Goal Setting session sini

12/15/2017

Salam Jumaat yg barakah

Tips Utk Jual Account Client Yg Dah sakit. Joint Account. Firstholder is the mother yang dah sakit. Sign pun dah x boleh. Bank account pun anak2 dah tutupkan. Belum sempat register dgn PM.

2nd holder is the son. How to sell, because PM only transfer the proceeds to firstholder bank account? 2 options: 1. Bawa mak tu buka bank akaun dan register bank acct kat PM. 2 kali kerja. Mak dah sakit 2. Tukar firstholder name kpd anak dia. Kena charge RM26 only. Then boleh jual guna bank akaun anak dia Happy Selling

10/25/2017

Misi mencari 100k today. Till zohor. Now I am at TM Bangsar parking. Van jadik office hari ni mcm Azizah Kalau kita nak beli ikan bilis kat pasar. Kt tak boleh cakap. Bang. Bagi ikan bilis seekor - Saiful Faizal Khalid #FinalLap Trainer

10/25/2017

[10:31, 10/25/2017] Hasbullah Dl Nazri Nzm: Alhamdulillah...berjaya yakinkan client utk tingkatkan simpanan pencen beliau [10:34, 10/25/2017] A Aslam: Nk tnya berapa dia dah invest? [10:34, 10/25/2017] A Aslam: Terbaik. Allah lembutkan hati dia utk invest lg [10:41, 10/25/2017] Hasbullah Dl Nazri Nzm: 72k.

10/24/2017

ME Training Notes 23 Oct 2017 =============== MC: Raduwan 3 mins sharing: 1. Mohd Din 2. Kak May . Dpt Nationwide client referred by branch staff . Ada org masa ada duit doa x menyimpan. Dpt 10k for new fund. EPF x de ke? 70k - Kak

May Main Speaker: Fauzi Tahir 37 y.o KL X Celcom X TMnet X Mimos Join PM Dec 2011 AS Dec 2015 Full time - May 2016 How he double up to qualofy smpi Melbourne Akan qualify ke Moscow KISS Keep It Simple & Smart =================== Bungee jumping vs public speaking. Public speaking lagi takut Lama tido. 2011 join. 2015 baru AS Ada 15 je klien. 3 thn berturut2 bawa anak raya kat data center Kerja siang malam. Sabtu Ahad pun langgar. Ada 3 anak. Tak boleh jadi ni Kena cari sesuatu ni. Umur dah 36. Kena keluar dari rutin Mula 2015. Start plan Buat projectiom dlm excel 2016 May - resign Put aside some money for 2 years.

Bagitau wife. Give me 2 years REBOOT 1.0 600K sales only between May 2016 to Dec 2016 - sedih. Realise, he fails tp achieve target Apa yg dibayangkan x seindah pengalaman yg dilalui Srill dgn positive momentum Buka balik. May to Dec. Analyse 6-7 akan reject immediately 1-2 will ask for more time Only 1 to 2 je close Closing ratio very low CHALLENGES Ask himself. What did I do wrong Apa salah aku Prospect ni. Kwn baik. Sedara mara Kenapa diaorang x nak. Jan 2017. Buat program baru Reboot 1.0 New method I dont want to blame others . Berserabut masa jumpa org . Knowledge kurang . Sales rendah. Tak meet komitmen. Kt gelabah. Lagi memburukkan keadaan . Attitude yg salah. Try an error . Timing issues. Kalau janji 10 mins. 10 min je buat. Jgn lebih. Kalau langgar more than that. Nanti lagi susah nak close . Not well prepared. Rasa mcm pandai. Tp kt tak bersedia. . Terlampau banyak sgt idea. Mcm2 training pergi. Combine semua. Bila jumpa client. Kt try semua. Klien get confused

. Listening skills very bad. Sbb dulunkerja dgn machine. Klien ckp kt tak amik port. Kt nak close je . Buat hard-selling. Kt push dia. Org menyampah dgn kita Ada 2 je benda lps analyse 1. Bab behaviour prospect 2. Prepare steps utk presentation Pernah x kt verify presentation yg kt buat tu apa yg klien nak bukan apa yg kt nak. Bila kt x faham apa yg klien nak. Kt letak bemda yg x perlu. Thus, kt amik masa yg panjang. Knp 10 mins boleh closed. Tp yg 1 hour x boleh closed ================= 5 Steps of KISS Presentation 1. Identify Ideas. Hanya buat 1 atau 2 shj ideas. Bila byk sgt ideas. Org tend tak minat. Kt repeat the same ideas 2. Ensure pres kt ada solving problems element. Cth klien nak retirement plan. Nak membantu kliem utk retire. 3. Masing2 ada kekuatan yg berbeza2. Ada yg introvert. Good in calculation. Thus, tahu strength kt dan guna strength kt masa pres. 4. Keep it short. Sbb manusia boleh tahan 15 hgga 20 mins utk pay attention. Avoid info yg terlampau byk. Dulu2 bawa semua. QFR dll. Semua kt nak tunjuk. Klien jadi celaru. Kt kena cakap ikut klien language. Kalau klien tukang masak. Jgn ckp jargon kt. Klien kata faham kat depan. Kat belakang dia k… [09:43, 10/24/2017] Abg Isse Bandung: Kipidap dongibab yukenduit...

10/24/2017

ME Training Notes 23 Oct 2017 =============== MC: Raduwan 3 mins sharing:

1. Mohd Din 2. Kak May . Dpt Nationwide client referred by branch staff . Ada org masa ada duit doa x menyimpan. Dpt 10k for new fund. EPF x de ke? 70k - Kak May Main Speaker: Fauzi Tahir 37 y.o KL X Celcom X TMnet X Mimos Join PM Dec 2011 AS Dec 2015 Full time - May 2016 How he double up to qualofy smpi Melbourne Akan qualify ke Moscow KISS Keep It Simple & Smart =================== Bungee jumping vs public speaking. Public speaking lagi takut Lama tido. 2011 join. 2015 baru AS Ada 15 je klien. 3 thn berturut2 bawa anak raya kat data center Kerja siang malam. Sabtu Ahad pun langgar. Ada 3 anak. Tak boleh jadi ni Kena cari sesuatu ni. Umur dah 36. Kena keluar dari rutin Mula 2015. Start plan

Buat projectiom dlm excel 2016 May - resign Put aside some money for 2 years. Bagitau wife. Give me 2 years REBOOT 1.0 600K sales only between May 2016 to Dec 2016 - sedih. Realise, he fails tp achieve target Apa yg dibayangkan x seindah pengalaman yg dilalui Srill dgn positive momentum Buka balik. May to Dec. Analyse 6-7 akan reject immediately 1-2 will ask for more time Only 1 to 2 je close Closing ratio very low CHALLENGES Ask himself. What did I do wrong Apa salah aku Prospect ni. Kwn baik. Sedara mara Kenapa diaorang x nak. Jan 2017. Buat program baru Reboot 1.0 New method I dont want to blame others . Berserabut masa jumpa org . Knowledge kurang . Sales rendah. Tak meet komitmen. Kt gelabah. Lagi memburukkan keadaan . Attitude yg salah. Try an error

. Timing issues. Kalau janji 10 mins. 10 min je buat. Jgn lebih. Kalau langgar more than that. Nanti lagi susah nak close . Not well prepared. Rasa mcm pandai. Tp kt tak bersedia. . Terlampau banyak sgt idea. Mcm2 training pergi. Combine semua. Bila jumpa client. Kt try semua. Klien get confused . Listening skills very bad. Sbb dulunkerja dgn machine. Klien ckp kt tak amik port. Kt nak close je . Buat hard-selling. Kt push dia. Org menyampah dgn kita Ada 2 je benda lps analyse 1. Bab behaviour prospect 2. Prepare steps utk presentation Pernah x kt verify presentation yg kt buat tu apa yg klien nak bukan apa yg kt nak. Bila kt x faham apa yg klien nak. Kt letak bemda yg x perlu. Thus, kt amik masa yg panjang. Knp 10 mins boleh closed. Tp yg 1 hour x boleh closed ================= 5 Steps of KISS Presentation 1. Identify Ideas. Hanya buat 1 atau 2 shj ideas. Bila byk sgt ideas. Org tend tak minat. Kt repeat the same ideas 2. Ensure pres kt ada solving problems element. Cth klien nak retirement plan. Nak membantu kliem utk retire. 3. Masing2 ada kekuatan yg berbeza2. Ada yg introvert. Good in calculation. Thus, tahu strength kt dan guna strength kt masa pres. 4. Keep it short. Sbb manusia boleh tahan 15 hgga 20 mins utk pay attention. Avoid info yg terlampau byk. Dulu2 bawa semua. QFR dll. Semua kt nak tunjuk. Klien jadi celaru. Kt kena cakap ikut klien language. Kalau klien tukang masak. Jgn ckp jargon kt. Klien kata faham kat depan. Kat belakang dia kata apa la mamat ni. Dia ckp. Aku x faham 5. Kita kena practice. Practice Practice

Practice Kisah speaker zaman ancient greek. First time - dia flunk. Dia botakkan kepala dia Selagi rambut tak tumbuh, dia x keluar. Apa yg dia buat. Dia praktis Pastu baru dia keluar dan bagi speech lagi sekali. Terus jadi topk Socratic Method ============= Socrates hebat sbb x pernah kalah berdebat Org impress dgn dia Apa yg pelik. Cara dia menang. Dia guna teknik soalan. Dia akan ensure org tu akan jawab apa yg dia nak. Lama2 org x boleh denat dgn dia Dia dpt kuasai opponent dia. Buku Dale Carnegie Omnibus - ada cerita pasal Socratic Method Fauzi simplified the method Process of the listener moving into the attentive mode Utk listener sehaluan dgn kt Elements Socratic Method: Affirmation diri kt sendiri. Kt nak tanam dlm minda prospek utk dia agree dgn kt. Secara subconscious dia akan terima 1. Tgk mood klien. Prospect energy. Maaa call klien. Dia happy. Bila jumpa dia. Tiba2 dia bad mood. Energy dia dah drop. Apa kt nak buat

Tolak kertas. Nak update semua tolak tepi. Tn. Kenapa sedih ni. Tadi aku dah smpi awal. Tp aku terlanggar tiang. Dia bawa motor BMW. Kalau kt stress macam ni. Kt nanti kena high blood pressure. Klien ckp betul la. Dia dah recover Try to act like his buddy Pastu baru klien tanya. Kau nak cerits pasal apa ni. Them baru dia boleh sign Kenapa Socrates boleh menang. Sbb dia selalu tanya soalan. Walau dia dah tahu jawapannya 2. Keep asking. Kt kena establish link Prevention system manusia selalu say NO dulu. How to bypass the NO Cara paling cepat. Kt kena tanya soalan Bg dia CURIOSITY Dia terpaksa bagi kt masuk dlm mindset Dlm masa 5 minit. 2 atau 3 kali affirmation dr prospek. InsyaAllah akn dpt. Kt ckp apa yg kt nak lps kt dpt affirmation Cth: Mr Prospect. Sy naca dlm news. By 55. Epf ckp within 5 years duit epf akn habis. Setuju tak? Bila he says YES. Dah estsblish link Kalau ikut stmt tu...

Abg umur berapa 40. Ada berapa tahun. 20 tahun lagi Kt kena ada la planning yg mantap utk 20 tahun lagi kan. Betulkan bang... Baru kt propose idea kt. Fauzi dah try dan dah increase closing ratio dia. Based on his research. Fauzi provoke klien. Sebelum ni tak boleh nak close. X boleh nak jumpa. Sbb? Tak establish link lagi 3. Bila kt dah tanya. Jgn kt block dia ckp. Encourage prospect to talk. Biar la klien nak ckp. Pasal anak dia ke. Bur u need to control spyvjgn terlalu lama. 4. Be a good listener. Posture kt. Intonation. Kalau kt garu kepala. Mcm kt x dengar. Dia x nak amik dgn kt Socratic Method - The Stages 1. Opener Nak trigger dia. Kt tanya dia soalan Instead of kt bagi dia info. Tanya dia soalan. En ada terbaca tak .... En ada buat savings tak? 2. Probing for needs Tanya target dia simpan kat ASB dll 3. Close Bila smpi stage ni. Kt kena berhati2. Must ensure kt FIRM. Kt jgn tunjuk kt tak tahu nrp kt nak amik dr dia. Kt firm nak 100k. Buat 100k

Simple Simulation =============== Retirement Assesment Wasiat Child Education Opener Umur tn skrg brp? 40 Monthly expenses brp? 5k Maka 1 thn tn perlu 6k Dah establish link Guna fincalc Bila tn nak retire? Kt dah tahu. Tp nak respond dia Dia jawab 60 Biar dia yg ckp. Lebih berkesan. Spy masuk dlm otak dia So ada berapa lagi tn? 20 Tn rasa lagi 20 thn. Harga nasi ayam tu RM5 lagi ke? Tahu tak kenapa harga naik? Brp inflation rate? Dia ckp 4% Kalau kt masukkan rate ni 5k tn jadi berapa tn? Suruh dia sebut 10.9k Sy ckp 10k Maka tn kena ada berapa dlm setahun? 120k

Skrg kerja weekend 2 hari je Nanti dah bersara. Haro2 weekend. Lagi banyak duit nak kena pakai Sy nak bagi 1 cara utk tn boleh produce 120k setahun Amik 8% interest Periods 1000 Payment 120k Retirement Goals jadik 1.5mill Tanamkan retirement goals dlm minda klien. Setiap kali jumpa klien ingatkan dia Selalu sangka baik. 100k initial Yearly 22k FV 1.5mill Scarcity ====== Booster utk close sales Gunakan utk dptkan klien mcm PISGEF thn ni dan PIOF thn lps Tunjuk DELAY IN INVESTING impact Invest at 40 y.o vs 50 y.o Buat comparison Guna fincal Period 20 vs 10 Ingatkan objektif retirement goals klien Lps tu ckp Benefit Free takaful Free wasiat Summary: 1. Always Keep It Smart n Simple

Get ready with the basic tools 2. Sell the solutions, not the product Potray diri kt sebagai solutoons provider Ckp I am expert in ... jgn malu 3. Be the resource. Not just ordinary agent Banyakkan membaca esp invmt things. =================== Fauzi dah double up income dia guna teknik ni Wrap up by GAM Hasan ============== Macamana org ontrovert boleh close milion2 Praktis dlm kereta Join 2004 Bina NAV dia. Supaya CB besar Kt ada masa dan ada duit. Kena bina CB See customer See more customer See more n more customer Target 6mill. Skrg dah 4.5 mill Hiw he closed 200k PISGEF Htr wasap ke 4 hgga 5 org klien je 100k 70k ... U just blast je kat klien Work hard together

Pesanan GAM Sahar ================ Kt nak lahirkan ramai leaders. Asik2 GAM je sharing. Boring la. AS pun boleh sharing. 3 hari x tidur. Align client punya mood Next week ada Guest Speaker: Chinese Speaker. Phillip Loo. Share about QFR n the economy info Majority Malay clients are good client. Unlike chinese client - very calculative Minggu depan semua mau datang. BoP akan dibuat minima 2 kali thn depan. Q1 ... Hari Raya Celebration Akan ada Sales Tracking Training ends at 10.15pm

10/23/2017

Tip to Set Appt before having a breakfast. 7.11am I wasap the client. 7.39am. He said OK.

[09:02, 10/23/2017] Rudi Caliph: Semoga Allah permudahkn urusan abg ariff & Kami semua utk dpt 1mill every month easily &: effortlessly [09:03, 10/23/2017] myunittrust: Amiin. Tk Rudi

10/16/2017

Power presentation by Rino. Semua give full attention [22:10, 10/16/2017] Nazri Cfp Gam Pm Caliph: Terbaik [22:13, 10/16/2017] A Aslam: Mantop [22:38, 10/16/2017] myunittrust: ME Training Notes 16 Oct 2017 MC: Rusli Osman Asal Penang 13 thn di Pcg 3 Apr 68 Anak sulung 22 thn. Ada 4 org anak Join 2005 May as an investor UTC ghaib Musriano call nak jumpa Org Jawa ke Jepun awak ni.

Dia pun invest. Pastu Rino kata En Li boleh jadi agen Kena exam. Nak jawap soalan exam. Tgk jawapan yg panjang. 5 letters that describe him HAPPY Hard working Amazing Patient Cg Farizal baca doa pembukaan Catch My Fist Energiser PM Business Update . New funds launched . PM new campaigns Main Speaker: Rino 3 Parts: 10 years experience compressed into 1 hr 1. My bg 2. How I Buat Sales 3. What we shud do for this final lap Asal dr Besut Rmh dgn pantai 100m Pulau Perhentian hetty very near Matrik Kuala Pilah Degree in UKM Jumpa Abg Shamsul Kerja 8 bln as mgmt trainee for vendor Perodua Jumpa Farid Sulaiman Sime Darby as service Engineer 4 years ++

Boring Looking for something different Kerja dulu utk jumpa customer utk dimaki One day rasa ooook I want to do something Join CWA 2007 Market uptrend during 2007 Masuk Mac 2008. KLCI 1750 drop to ... Rino hilangkan diri Sbb I was not an economist. Most CWA agents hilang CWA agents was taught to buy n sell like stock market Masa 2007 mmg banyak collect cash n epf 2008 market drop Resign CWA. Join PM Jan 2011 Start baru sbb client lama dah tinggal Dap awards in 2011 BAAN 2nd Runner Up Top New UTC Dpt Nationwide 8th Runner Up Top UTC Overseas Trip 13 hgga 14 negara bermodalkan RM265 SAHAJA Bila nak buat invmt. Kt nak kira RoI Spent RM265. Sit for exam. Jumpa client RM10k stp. Dah pulang balik modal Buka kedai dobi RM300k. Collection dia x byk. A few years to break even. Video Rino

Rm265 spent 14 buah negara dpt pergi. Brp RoI Part 2: ====== Sales Cycle: PAPOCRC Buka booth: Shahardin dah share Ftf n cold call: Syafiqah Phone calls. Apa script yg paling best? Sebenarnya x de apa2 yg best Kt fail sbb sebenarnya adalah kt x buat Tips Phone Call: . Smile . Ensure off data plan to avoid distraction from all unnecesary ... . Jgn pakai prepaid. Pakai yg murah celcom RM80 Scripts: . Give salam dgn happy . Mood kena happy . Words n intonation musti gumbira Sy Mus Dr PM I buat Retirement Plan guna KWSP En Samad dah buat ke? Atau En Samad dah ada ke akaun PM This is basic guidelines Sy dah masuk PM. Ur agent masih aktif ke I baru masuk.. Tahniah I x interested Eh. Belum present dah x interested.

I am not keen la UT ni. Final word. Macam ni lah En Hafiz If u dont give me a chance to see u. How can I succeed in this business. Same to u jugak En Hafiz. Kalau lah Proton x bagi u chance. U pun x blh dpt business Sampai tmpt dia. Azan. Gi solat dulu. Pastu. Jom gi makan. Sembang2. End up pukul 4 ptg. Character client - mmg dia nak menolak kt Jadi kena buat banyak phone calls Question from Mohd Din: brp kali repeat balik no phone yg sama Answer: repeat selagi dia tak kata x nak Dont try to sailang. Kalau dgn CWA. Diversify. Kalau agent x service. Top up the customer Buat phone call pakai busines card. Jumpa customer. Minta copy dr biscard network dia Last week closed STP RM70k thru phone call je. Believe rezeki milik Allah Ada yg follow up dah lama. Prospect call balik after some time Present kat dia RM120k STP Questions: PDPA since 2 years ago. X nampak pdpa as a barrier. Kena nampak as positive. Kalau customer tanya mana dpt no. Sy ada byk customer. Sy selalu photostat. Jadi sy tak tahu dr mana.

PRESENTATION: Azie guna buah epal Zamri guna smart retirement thru app Rino: Dlm A4 paper. Buat pyramid Wealth Planning 3. Wealth Distribution (wasiat, hibah, trust nomination) 2. Wealth Accumulation 1. Wealth Protection (takaful) Awal2 sebenarnya buat rapport dulu Tanya customer Dah buat wasiat ke (Kebanyakan customer mmg x buat ni) Dah invest dlm property kan. Rmh ada brp bijik? Tanah ada ke? U ada simpan kat ASB TH ada ke tn Kat FD ada ke tn Present indirectly. Customer akn bgtau Baru explain pasal PM 77b assets We are no 1 No 2 only have 15b Bgtau the 3 concept of UT invmt Buat timeline: Umur 40 at 2017 ________ 8% p.a for 5 years. Modal 100k akan jadi 146k

Sepanjang tempoh 5 tahun. U are protected. Referring to the fund that give FREE takaful Natural death 100k Accidental death 200k Sebenarnya u dah guaranteed 200% Can u guarante u are still alive in the next 5 years Part 3: 60 days challenge =============== 16-10-2017 16-12-2017 16 sampai 27 Dis - reserve utk rejection Beberapa IDEAS utk capai Moscow: 1. Cari 1 org yg boleh bagi cheque RM3juta 2. Cari 2 org yg boleh bagi RM1.5 juta Fokus 9 bulan lepas. Dah fokus. Tapi belum LASER FOCUS No more bucu katil Challenge trip treatment sgt dahsat Masa trip ku Hungary je. Tp pergi Germany Mcm Barcelona. Pastu company bawa ke Madrid Apa2 pun... It is back to your . . . . BIG WHY? This is ur business

About ur income Ur family Ur wife Ur children U can choose ur destiny Nobody can change u. Only u change urself ================= MC: Rusli kerja 25 thn dgn Sime Darby. Smpi company boring dgn dia. 25 thn dpt jugak gi overseas. Msia dan Indonesia sahaja Mus pergi 14 negara. Itu yg Rusli bersemangat. Sharing by GAM Rod ================= Uitm grad Work woth manufacturing Vss 94 married Berhenti kerja 1994. Walau baru sebulan kahwin Jan 1995 - insurance n takaful 1 April 2000 join PM July 2000 AS 2005 Top Recruiter Champion AS Champion GAM 8 thn berturut2 di Bagan Nationwide achievement . Banyak sgt Free overseas trip - banyak Hasil dr abang berhenti kerja Special GAM Retreat - 6 kali Breakaway GAMS Gazman dan Kamal Rod said how easy to build this UT career: UT busnes is a long journey

It is not a sprint It is a marathon Buat santai tp EFFECTIVE Kt nak buat bisnes bukan nak tambah STRESS. Winners are not people whi never fail But people who never quit Join UT 2000. Tp buat betoi2 2003 setelah gagal buat hat lain2 Market segment berbeza . Golongan Muda DDI . Corporate . Skim Pencen/Annuity (pernah Nolita shared) . Geng 30an - 50an (EPF/Lump Sum) Baru ni team Rod closed RM1.5mill Sbb tu kena amik peluang Bila dah untung. Pi update client Nanti klien nak tambah invmt Guna UTC@work utk update client Baru tadi dpt client dr terminated downline Dia dah invest RM600k plus plus Dia umur 50. Pi jumpa dia. 13 Oct dia umur 50. Camana nak dpt duit cpt. Guna RHB bank. SA dia dah settle. Dlm umur yg 50. Kalau nak duit cpt. Guna RHB. Sometimes, kt kena mencari. Update balik klien

This is where kt dpt OPPORTUNITY 3 YEARS MARATHIN FORMULA: SALES OR RECRUITMENT THRU DDI N EPF Actually u nak qualify mana pun . U boleh closed 1 org dlm 2 hari utk EPF. 1 new client DDI per day . EPF 10k/case 20 hari saja kerja 1 hari u kerja berapa hari How many hours u put for the busines 3 jam per day - boleh closed 2 org. Berapa lama kt nak buat phone call 20 phone call hanya 45 minutes If u can do 20 days istiqamah 20 klien x 12 bulan = 240 X 3 tahun = 720 - 120 jadi 600 600 bhg 3 1 group jadi 200 Ave case RM3000 200 x RM3000 = RM600,000 Sejarah Rod 2003 - closed 180k 2004 - nak pi South Africa kena dpt RM2mill to qualify Hanya 12 org bumi yg pi sana Bayangkan 2003 hanya closed 180k setahun

So. He uses the above FORMULA to qualify Step by step Bukan big client pun boleh buat Tak susah pun 1 hari 1 sahaja Ada ka bisnes lain. Jual 1 hari 1 saja Bukannya susah pun Macamana pun buatlah. 1 hari 1 saja. Dari 8 smpi 5. Takkan tak boleh kot. 1 hari 1 ja Ini ckp pasal EPF. Memang senang. Siapa ckp tak boleh closed EPF memang Org x payah beluar duit La ni lagi senang 2003 nak explain pun susah. 2017. Ni lagi senang 3 tahun je cukup DDI Sales Little Things That Make A Different... Palani byk buat DDI What is good about DDI? Target young gen. Siapa yg umur less than 30. Buat DDI ni. Nak buat kerja teruk sekali je. Bagi everything in the system.pastu agent buat apa

Nganga dpt duit Kena buat banyak Ikan bilis makan satu OK ke Kena makan banyak Setakat nak savings rm100 - rm200 x de hal Bank tukang kutip Agen nganga Monthly RM20k First year DDI 2nd Year DDI COMM RM35k 3rd year DDI COMM RM54,979 EPF 10 CUSTOMER SEBULAN AVERAGE 10K/CASE Try to make it as simple as this one 3 tahun je kerja kuat2 Make Your Money Harder for You ============ Quarterly invest RM5k Graft 20 years invmt Tunjuk kat client WHAT IS THE POTENTIAL CLIENT X NAMPAK KADANG2. Jadi kt buat betul2 SUCCESS is the sum of small efforts REPEATED Day In Day Out =================

Take the opportunity with the overswas market Bukan selalu nak dpt double digit return ================= YTD Fund Performance As of 25 Sep Semua double digit Cuba switch PISSF, PISEF Make ur client happy ================= Menikmati pencen menarik seawal 5 tahun dalam industri Build up RM50juta AUM. Ur Career Benefit - RM10k The first 100k dpt RM20 Betul2 kita buat bisnes ni. Dpt CB yg baik Auto Income from UT bis 5 thn dah dpt RM3k CB =================== Fund volatility =========== Dlm market wrap Kalau anda buat research. PAIF fv is 9. Other company. Local fund pun berbelas2 Why u want to invest in PM Even when we invest in overseas fund - we still take care of the risks Cwa fv - 13% Rhb fv - 13%

Yg lain. Even their local funds are very volatile These are the input to vlose big sales n corporate Kalu u emphasize this, the client will appreciate Yg paling penting sekali DREAM BIG BELIEVE IN YOURSELF SUCCESS IS WITHIN REACH Keep doing DDI 1 HARI 1 EPF 2 HARI 1 REVISIT UR CLIENT Wrap-up by GAM Sahar =================== Thanks to all Musti apply all the knowledge yg dpt malam ni

10/16/2017

ME Training Notes 16 Oct 2017 MC: Rusli Osman Asal Penang 13 thn di Pcg 3 Apr 68 Anak sulung 22 thn. Ada 4 org anak Join 2005 May as an investor UTC ghaib Musriano call nak jumpa Org Jawa ke Jepun awak ni. Dia pun invest. Pastu Rino kata En Li boleh jadi agen

Kena exam. Nak jawap soalan exam. Tgk jawapan yg panjang. 5 letters that describe him HAPPY Hard working Amazing Patient Cg Farizal baca doa pembukaan Catch My Fist Energiser PM Business Update . New funds launched . PM new campaigns Main Speaker: Rino 3 Parts: 10 years experience compressed into 1 hr 1. My bg 2. How I Buat Sales 3. What we shud do for this final lap Asal dr Besut Rmh dgn pantai 100m Pulau Perhentian hetty very near Matrik Kuala Pilah Degree in UKM Jumpa Abg Shamsul Kerja 8 bln as mgmt trainee for vendor Perodua Jumpa Farid Sulaiman Sime Darby as service Engineer 4 years ++ Boring Looking for something different

Kerja dulu utk jumpa customer utk dimaki One day rasa ooook I want to do something Join CWA 2007 Market uptrend during 2007 Masuk Mac 2008. KLCI 1750 drop to ... Rino hilangkan diri Sbb I was not an economist. Most CWA agents hilang CWA agents was taught to buy n sell like stock market Masa 2007 mmg banyak collect cash n epf 2008 market drop Resign CWA. Join PM Jan 2011 Start baru sbb client lama dah tinggal Dap awards in 2011 BAAN 2nd Runner Up Top New UTC Dpt Nationwide 8th Runner Up Top UTC Overseas Trip 13 hgga 14 negara bermodalkan RM265 SAHAJA Bila nak buat invmt. Kt nak kira RoI Spent RM265. Sit for exam. Jumpa client RM10k stp. Dah pulang balik modal Buka kedai dobi RM300k. Collection dia x byk. A few years to break even. Video Rino Rm265 spent 14 buah negara dpt pergi. Brp RoI Part 2:

====== Sales Cycle: PAPOCRC Buka booth: Shahardin dah share Ftf n cold call: Syafiqah Phone calls. Apa script yg paling best? Sebenarnya x de apa2 yg best Kt fail sbb sebenarnya adalah kt x buat Tips Phone Call: . Smile . Ensure off data plan to avoid distraction from all unnecesary ... . Jgn pakai prepaid. Pakai yg murah celcom RM80 Scripts: . Give salam dgn happy . Mood kena happy . Words n intonation musti gumbira Sy Mus Dr PM I buat Retirement Plan guna KWSP En Samad dah buat ke? Atau En Samad dah ada ke akaun PM This is basic guidelines Sy dah masuk PM. Ur agent masih aktif ke I baru masuk.. Tahniah I x interested Eh. Belum present dah x interested. I am not keen la UT ni. Final word. Macam ni lah En Hafiz

If u dont give me a chance to see u. How can I succeed in this business. Same to u jugak En Hafiz. Kalau lah Proton x bagi u chance. U pun x blh dpt business Sampai tmpt dia. Azan. Gi solat dulu. Pastu. Jom gi makan. Sembang2. End up pukul 4 ptg. Character client - mmg dia nak menolak kt Jadi kena buat banyak phone calls Question from Mohd Din: brp kali repeat balik no phone yg sama Answer: repeat selagi dia tak kata x nak Dont try to sailang. Kalau dgn CWA. Diversify. Kalau agent x service. Top up the customer Buat phone call pakai busines card. Jumpa customer. Minta copy dr biscard network dia Last week closed STP RM70k thru phone call je. Believe rezeki milik Allah Ada yg follow up dah lama. Prospect call balik after some time Present kat dia RM120k STP Questions: PDPA since 2 years ago. X nampak pdpa as a barrier. Kena nampak as positive. Kalau customer tanya mana dpt no. Sy ada byk customer. Sy selalu photostat. Jadi sy tak tahu dr mana. PRESENTATION: Azie guna buah epal Zamri guna smart retirement thru app

Rino: Dlm A4 paper. Buat pyramid Wealth Planning 3. Wealth Distribution (wasiat, hibah, trust nomination) 2. Wealth Accumulation 1. Wealth Protection (takaful) Awal2 sebenarnya buat rapport dulu Tanya customer Dah buat wasiat ke (Kebanyakan customer mmg x buat ni) Dah invest dlm property kan. Rmh ada brp bijik? Tanah ada ke? U ada simpan kat ASB TH ada ke tn Kat FD ada ke tn Present indirectly. Customer akn bgtau Baru explain pasal PM 77b assets We are no 1 No 2 only have 15b Bgtau the 3 concept of UT invmt Buat timeline: Umur 40 at 2017 ________ 8% p.a for 5 years. Modal 100k akan jadi 146k Sepanjang tempoh 5 tahun. U are protected. Referring to the fund that give FREE takaful

Natural death 100k Accidental death 200k Sebenarnya u dah guaranteed 200% Can u guarante u are still alive in the next 5 years Part 3: 60 days challenge =============== 16-10-2017 16-12-2017 16 sampai 27 Dis - reserve utk rejection Beberapa IDEAS utk capai Moscow: 1. Cari 1 org yg boleh bagi cheque RM3juta 2. Cari 2 org yg boleh bagi RM1.5 juta Fokus 9 bulan lepas. Dah fokus. Tapi belum LASER FOCUS No more bucu katil Challenge trip treatment sgt dahsat Masa trip ku Hungary je. Tp pergi Germany Mcm Barcelona. Pastu company bawa ke Madrid Apa2 pun... It is back to your . . . . BIG WHY? This is ur business About ur income Ur family Ur wife Ur children

U can choose ur destiny Nobody can change u. Only u change urself ================= MC: Rusli kerja 25 thn dgn Sime Darby. Smpi company boring dgn dia. 25 thn dpt jugak gi overseas. Msia dan Indonesia sahaja Mus pergi 14 negara. Itu yg Rusli bersemangat. Sharing by GAM Rod ================= Uitm grad Work woth manufacturing Vss 94 married Berhenti kerja 1994. Walau baru sebulan kahwin Jan 1995 - insurance n takaful 1 April 2000 join PM July 2000 AS 2005 Top Recruiter Champion AS Champion GAM 8 thn berturut2 di Bagan Nationwide achievement . Banyak sgt Free overseas trip - banyak Hasil dr abang berhenti kerja Special GAM Retreat - 6 kali Breakaway GAMS Gazman dan Kamal Rod said how easy to build this UT career: UT busnes is a long journey It is not a sprint It is a marathon

Buat santai tp EFFECTIVE Kt nak buat bisnes bukan nak tambah STRESS. Winners are not people whi never fail But people who never quit Join UT 2000. Tp buat betoi2 2003 setelah gagal buat hat lain2 Market segment berbeza . Golongan Muda DDI . Corporate . Skim Pencen/Annuity (pernah Nolita shared) . Geng 30an - 50an (EPF/Lump Sum) Baru ni team Rod closed RM1.5mill Sbb tu kena amik peluang Bila dah untung. Pi update client Nanti klien nak tambah invmt Guna UTC@work utk update client Baru tadi dpt client dr terminated downline Dia dah invest RM600k plus plus Dia umur 50. Pi jumpa dia. 13 Oct dia umur 50. Camana nak dpt duit cpt. Guna RHB bank. SA dia dah settle. Dlm umur yg 50. Kalau nak duit cpt. Guna RHB. Sometimes, kt kena mencari. Update balik klien This is where kt dpt OPPORTUNITY 3 YEARS MARATHIN FORMULA:

SALES OR RECRUITMENT THRU DDI N EPF Actually u nak qualify mana pun . U boleh closed 1 org dlm 2 hari utk EPF. 1 new client DDI per day . EPF 10k/case 20 hari saja kerja 1 hari u kerja berapa hari How many hours u put for the busines 3 jam per day - boleh closed 2 org. Berapa lama kt nak buat phone call 20 phone call hanya 45 minutes If u can do 20 days istiqamah 20 klien x 12 bulan = 240 X 3 tahun = 720 - 120 jadi 600 600 bhg 3 1 group jadi 200 Ave case RM3000 200 x RM3000 = RM600,000 Sejarah Rod 2003 - closed 180k 2004 - nak pi South Africa kena dpt RM2mill to qualify Hanya 12 org bumi yg pi sana Bayangkan 2003 hanya closed 180k setahun So. He uses the above FORMULA to qualify Step by step

Bukan big client pun boleh buat Tak susah pun 1 hari 1 sahaja Ada ka bisnes lain. Jual 1 hari 1 saja Bukannya susah pun Macamana pun buatlah. 1 hari 1 saja. Dari 8 smpi 5. Takkan tak boleh kot. 1 hari 1 ja Ini ckp pasal EPF. Memang senang. Siapa ckp tak boleh closed EPF memang Org x payah beluar duit La ni lagi senang 2003 nak explain pun susah. 2017. Ni lagi senang 3 tahun je cukup DDI Sales Little Things That Make A Different... Palani byk buat DDI What is good about DDI? Target young gen. Siapa yg umur less than 30. Buat DDI ni. Nak buat kerja teruk sekali je. Bagi everything in the system.pastu agent buat apa Nganga dpt duit Kena buat banyak

Ikan bilis makan satu OK ke Kena makan banyak Setakat nak savings rm100 - rm200 x de hal Bank tukang kutip Agen nganga Monthly RM20k First year DDI 2nd Year DDI COMM RM35k 3rd year DDI COMM RM54,979 EPF 10 CUSTOMER SEBULAN AVERAGE 10K/CASE Try to make it as simple as this one 3 tahun je kerja kuat2 Make Your Money Harder for You ============ Quarterly invest RM5k Graft 20 years invmt Tunjuk kat client WHAT IS THE POTENTIAL CLIENT X NAMPAK KADANG2. Jadi kt buat betul2 SUCCESS is the sum of small efforts REPEATED Day In Day Out ================= Take the opportunity with the overswas market Bukan selalu nak dpt double digit return

================= YTD Fund Performance As of 25 Sep Semua double digit Cuba switch PISSF, PISEF Make ur client happy ================= Menikmati pencen menarik seawal 5 tahun dalam industri Build up RM50juta AUM. Ur Career Benefit - RM10k The first 100k dpt RM20 Betul2 kita buat bisnes ni. Dpt CB yg baik Auto Income from UT bis 5 thn dah dpt RM3k CB =================== Fund volatility =========== Dlm market wrap Kalau anda buat research. PAIF fv is 9. Other company. Local fund pun berbelas2 Why u want to invest in PM Even when we invest in overseas fund - we still take care of the risks Cwa fv - 13% Rhb fv - 13% Yg lain. Even their local funds are very volatile These are the input to vlose big sales n corporate

Kalu u emphasize this, the client will appreciate Yg paling penting sekali DREAM BIG BELIEVE IN YOURSELF SUCCESS IS WITHIN REACH Keep doing DDI 1 HARI 1 EPF 2 HARI 1 REVISIT UR CLIENT Wrap-up by GAM Sahar =================== Thanks to all Musti apply all the knowledge yg dpt malam ni

10/16/2017

[12:00, 10/16/2017] A Aslam: Notes by my senior GAM Jas

GAM Suraidah by Jas 1st batch Aeronautical Engineering. But decline sbb mak tak bagi. 15 years in banking Enticed by RM20k monthly recruiter's income ! "Senang giler !" Join PM 2008 Yearly 10m ringgit producer 1st target RM100,000 How ? 1. Senang giler.. cari RM3 mil sales kata upline "i think" kita "cuba" buat corp sales. 2. My goal bigger than my challenge. 3. Take action.. bukan berangan jer... 4. Passion .. buat bersungguh2. 5. Buat 3 appointment per day. Tak keluar hari2, but sales activities hari2 (calling). Sempat masak hari2 utk anak2.. 6. Write your own pay check. Cth nak RM10 mill per year.. brpa income ? Nak RM3 million inc per year. 7. Berangan2 positive.. visualixe.. tulis dalam affirmation book 5x a day tulis !!! Every challenge faced, cepat2 tulis YOUR BIGGER GOAL ! 8. Personal sales still buat sbb Consistent.. corp sales allocate 1day each week for corp sales.

9. Be DIFFERENT .. do something different than other utcs. Be CREATIVE. Tak ramai buat corp sale sbb tu suraidah suka. 10. Matching FD vs Bond fund. Repo vs money market. Also MATCHING CLIENTS NEEDS to the right fund. Match RISK PROFILE to customer. 11. "Belajar Prospectus".. (sampai tido kan anak, baca prospectus) 12. Good friend = Mr Google 13. Be TEACHABLE. Hari2 belajar benda baru.. 14. Design corp gteed fund SENDIRI. 15. At year 1 ...Still utc (2 months old) close RM50j equity (univ malaya), dapat RM2j comsn share 4 orang. 8x rejection by Kementerian Kewangan. From RM2j jadi RM200k then buat matching naik balik RM20j !!! 16. Proposal first time buat 150 pages tebal !!! Corp client suruh simplify... Su reduce to 90 pages..., nowadays Su's proposal only 30 pages tebal. At pre-bod meeting, Client suka naik jadi RM30 juta.. at presentation dapat RM50j ALL EQUITY... 17. Differentiate PLACEMENT (MM, bond) vs INVESTMENT (equity) 18. SELL MILLIONAIRE DREAMS to retail clients.. use pocket calc RM100 monthly @ 15% n=35 years --> RM1.5 million !! 19. Tools ? Pock calc & QFR, Prospectus in the bag. 20. Chinese grab opportunity. Melayu masih dok congak2 lagi.. if tak sure, jgn tak invest but do some.. 21. Simpan vs invest.. simpan jer akan dapat simpan results. Ask apa kpi corp client ? If kpi 7% then senang "Average Return for 5 years" PM funds. Ask kpi sbb nak MATCH. 22. Ask client apa they keep NOW to get that 7% ? Slowly ask them sikit in equity... 23. Copy cat ! Belajar good simple words to use. 24. PM versus other utmc. If client dah "selesa" w utmc ranking no 3 / 4 / 5 why not beri PELUANG TO COMPANY NO 1 ? 25. Matching & understand corp client needs, also kena tahu cashflow client - < 1 yr, 1-3 yrs, > 3 years then match MM/BOF and EQ. 26. Design corp proposal based on client's ROI kpi/target, cashflow, risk profile. Jangan tamak nak eq funds only ! 27. Sometimes mula2 mm/bof but after 1 year client tak pakai, propose masuk equity 28. Most local co cannot ada overseas exposure. So bagi div funds such as pief & pidf. Not kejar cap gain. Last year byk masuk piemof, since tak pernah ada div, so redeem at 17% profit. But kena reinvest diff amount sbb PM nampakmcm churning of trxn. So, vary the amount re invest. Be Careful here ! 29. Redeemed to reinvest - corp client need to redeem ie. realised dulu baru masuk semula. Company policy. 30. 4 golden rules invest in UT - medium to LT, regular savings incl ddi, OUT bila achieve return target. 31. OUT = ? Depends corp client nak apa... 32. imagine this... early 2016, corp client jual (w profit) rm50j modal + RM17 j profit (4 consultants).. su's portion RM28 juta ! So to qualify Barca, Su had to double her effort @ 2016 from -rm17 juta... Do not focus on challenge but focus on GOALS.. still in 2016 still double qualifier !!!! Tahun 2017 awal2 close juta2 bond fund & cover back all cb lost in 2016. 33. Ask for the order, client - How much you comfortable to put in INVESTMENT. 34. Suraidah use 7 steps closing sales presentation (Lawrence wud be damn proud !) 35. Bagi customer "geli geli" test test client's selera to invest..

36. Proposal 5 years.. ada tactical allocation. After 2 years start to move funds into bond mayb 30 : 70 slowly approaching 5th year maybe 70 bond : 30 equity. 37. Bila client marah or tak happy, means client tengah beti information, so utc listen dulu.. 38. Distribution (div) compounding.. evaluate investment from NUMBER OF UNITS.. coz units tak pernah turun. 39. When mintak investment in EQUITY, alwiz mintak SIKIT. Say corp ada 50m so ask 5% shj in EQ. Lain in bonds PM or bonds utmc company lain.. [12:01, 10/16/2017] A Aslam: Sample utk corporate sales

10/6/2017

Lets give unit trust tips here. What I hv experienced today. I hv only 1 confirmed appt. Then yg lain I call. "I kat Annex2 ni. Can I see u now" So manage to get 5 appt b4 Jumaat. Pastu call sorang lagi. Dia kata meet him after Jumaat. Go to his office. Then carik lago client CoI kat level yg sama. Dpt closed 7. Dapatlah bayar larking RM15 per entry tu. Hari ni client yg belanja sy spaghetti. So jimat la. Balik rmh, sempat attend majlis pernikahan anak jiran. Apa yg sy present 1. Hibah 2. Trust Nomination 3. PAIF 4. Swiss Lesson learnt:

Call je klien nak jumpa sekarang. I dah kat sini ni. Baru jumpa ... [18:01, 10/6/2017] myunittrust: Lagi satu. Selalu bawa thumb print banyak2 utk bagi kat spouse mrk thumb print. Beli yg RM6 tu je. Hilang oun x kisah

10/6/2017

[15:26, 10/6/2017] a MOHD.ROYZAINI BIN MOHAMED RAZALI: Salam jumaat...Copy & share...

CARA MENGUNDANG REZEKI ALLAH + Ada yang mengetuk pintu langit dengan cara setiap pagi memberi 40 nasi bungkus untuk orang miskin. Rutin dia lakukan. + Ada yang mengundang rezeki dengan cara mencium tangan ibunya lalu minta didoakan. + Ada yang mengundang rezeki, setiap minggu dia mendatangi anak-anak yatim, mengusap kepala mereka, membelikan sesuatu untuk keperluan mereka sebagaimana diajarkan Nabi SAW. + Ada yang mengundang rezeki, setiap pagi keluar ke tempat kerja dia rutin bersedekah kepada siapa saja. + Ada yang mengundang rezeki, tiap malam jumaat dia membahagi makanan kepada orang² yang tidur di jalanan. Doanya tembus ke langit! + Ada yang mengundang rezeki, setiap kali setelah solat subuh dia tidak tidur. Dia beristighfar 100 kali dan bertadarrus Al-quran hingga terbit fajar, lalu menatap langit langsung dan mengangkat tangan. Doanya tembus langsung kepada Tuhannya. + Ada yang mengundang rezeki, setiap Jumaat profit hasil jualannya 100% disedekahkan. + Ada yang mengundang rezeki, tiap bulan 20% dari total pendapatannya disedekahkan. Dia yakin Tuhan-nya MAHA KAYA. + Ada yang mengundang rezeki, seminggu sekali tengah malam didatangi rumah orang miskin. Dia angkat/pikul sendiri makanan untuk mereka. + Ada yang mengundang rezeki, tiap Jumaat dia tidak mahu dibayar upah untuk khidmatnya yang diberikan ke orang lain. Tiap titik keringatnya penuh pahala. + Ada yang mengundang rezeki dengan memperbaiki jadual solat 5 waktunya berjamaah di masjid dan Allah pun memudahkan segala urusannya. + Ada yang mengundang rezeki, tiap pagi dia solat dhuha & berdoa, ketika orang lain sudah sibuk dia memilih menghadap langsung ke Penciptanya. + Ada yang mengundang rezeki tiap 1/4 malam bangun solat tahajud berbisik pada bumi dan terdengar di langit. Allah redha, hidupnya pun berkat. + Ada yg mengundang rezeki dengan cara menanam pkok agar semua makhluk bumi boleh menikmati oksigen. REZEKIMU BUKAN DATANG DARI BOSSMU ATAU PELANGGANMU, TAPI REZEKIMU DATANG DARI ALLAH S.W T.

Tapi dari ALLAH swt. Jemputlah rezeki datang dengan cara-cara yang Allah Redhai. (Dipetik daripada facebook Ustaz Iqbal Zain) Sila SHARE dan SEBARKAN. Moga ada kebaikan dan manfaat buat semua.. #TipRezekiMelimpah [16:07, 10/6/2017] myunittrust: Kasyaf tu

10/3/2017

Tips on Managing Ur Time ===================== While having a breakfast. Wasap ur exisiting clients or prospects for meeting Send at least 5 wasap for appt. Give one hour gap for each appt. What to wasap. Ada cthnya. A friendly wasap. Salam Tn Fauzi. Kalau boleh nak jumpa tengahari ni kat Restoran Fatima On ur invmt report n new. Arif Public Mutual Important Notes ============= When u have training and meeting. U seem like busy but not productive in the short term. U must set appt in between training n agency meeting 1 day closed 1 client of RM10k insyaAllah will make u qualify to CHALLANGE TRIP p.s. pekena roti banjir dan teh o limau tanpa gula

10/2/2017

Tips for Super Nesting! Once u closed one client Dont be very so happy and go back home or back to office Theres no client in the office. Stay put. Bertenang. Options: . Gi minum kat cafe . Gi surau . Call other existing clients nearby ajak minum Stay sampai asar. This super nesting techniques are applied by Busyem n Mus too. They both hv shared to CNN platform. What we need to do is To APPLY

10/2/2017

[15:09,] myunittrust: Tip jumpa client kat kedai makan. Kena pakai apa nama "board" biru tu spy elak basah dsb. Baru closed 3 client. 1 kat SR (infaq RM40) dan 2 kat ofis [15:11, 10/2/2017] Nadz Nazirah Dl Nazri: Hand hold paper board rasanya nama dia

9/26/2017

CNN Training Notes 26 Sep 2017 Cheras Emcee: Zizin Energizer: Aslam Biz Updates: 1. Ensure ur EAP n EPF 9N follow CAMS data. Address n phone no. 2. 2017 YTD vs 2016 YTD. Whole Company growth is 28% Walau tukar table. Growth tetap ada. Ada big potential 3. PRS to grow further this year. Ambil exam skrg Gvt servant ramai yg tanya Youth incentive 20 hgga 30thn smpi Dec 2018 4. Recruitment turun. Aug baru naik. Recruit as many as possible. Kt x tahu yg mana akan jadi star 5. PM ask UTC to bring IC investor yg x de dlm sistem. Esp those old clients yg mmg x de IC in the record. Kena htr balik SA form dan new investor form. 6. New funds coming in. Advantage to UTC to spread this news. Clients hv many options. Our strength 7. New Contract of Agency. Must submit b4 year end 8. Regular Withdrawal. Mcm package pencen. Withdrawal sikit2. Tiap2 bulan. Lbh kurang mcm annuiti. Regular income setiap bulan 9. DDI thri MEPS. 3 bulan berturut2. Akan dibatalkan TIME TO SHARE ============= Fatin 29 X nak kerja dgn org Bib team Zulaikha aka Ika Bib team 32 Penang Why join

Nampak income Opportunity to turn full time Target 4 to 5 digit income Nadz Penang 23 Bib team I see something that i can get opportunity Nak doscover more Target to be full time Bib Queen of Recruiter for the week . Nak besarkan GS . Recruitment dah OK. But GS belum jalan . My DLs dont give up . PM ada byk workshop . Dont wait for upline . Mmg ada challenges . 3 of them are her clients Emcee: training is a very important ground utk grow. Main Topic Hardwork Beats Talent Mus Albar Join 2011 4 daughters Banking industry experience 4 yrs Buat bisnes fail Masuk balik kerja Pastu quit jugak Pengalaman fail business mengajar byk dan blh apply dlm UT Jual char kor tiaw kat masjid saidina zubair kat cheras Walau ada degree Jiwa memberontak Jodoh kerja x lama Jodoh ngan PM sah 6 thn Problems change to CHALLENGES Mmg byk challemges

Bila pandang balik ke belakang Challenges tu yg mengajar Jual pen meja ke meja Jual dominos Bergaduh dgn org rmh Bila join UT. Ckp kat org rmh. InsyaAllah kali ni x fail Org rmh kerja bank Pergi Goal Setting Kena bayar RM150 Leader kata buat satu goal board Sy bawa motor. Buat dlm paper A4. Rupanya org buat cantilk2 Gaji 3k+++ Tgk goal board diaorang semua income nak rm10k++ Rasa ni MLM ke. Dah muak dgn MLM dr zaman student Bawa wife ke BoP Dgr pulak upline dan downline. Kata bukan MLM Tp wife kata abg nak buat. Buat lah. Dia ckp kat wife Sy resign. Awak pun resign Sbb. Kalu wife x resign nanti sy malas. Rupanya wofe mmg nak resign Dia bg notis 1 bln Wife bg notis 3 bln

Both amik exam. Wife fail 3 kali Wife jadi suri rmh 1st mth sales rm150k Tapi kena bahan dgn AM Iwan. Padahal baru 14 hari 3 bln lps tu promoted ro AS Ada org tanya mcm kau blh full time X de financial back up How do I manage hutang. Alternate bayar hutamg antara husband n wife. Selama 6 bln spy x bad debts First 3 years manage all the debts dgn income PM Masa resign. Dpt ank pulak. Tu la turning point 1stcyear income fromApr to Oct = 36k 2 bln sakit x blh kerja. Kete kena tarik. Pergi buat report polis. Rupa kete kena tarik Nemda tu mengajar sy itk jadi lbh kuat Qualify ke Tokyo Target nak challenge trip Gam kata once achieve challenge trip. Senang nak achieve Dah lebih 6 kali dpt 20k sebulan Benda yg x baik dtg tu. Kalau kt pandang balik. Mmg kt tahu kenapa

2014 accidemt motor. So qualify Perth The rest challenge trip Aim for double ticket UT ni kt x blh kata senanh. Tapi kt sabar Kalau kau x blh tahan 3 bulan. This is not ur business In 40 days u buat. Dia akn jadi habit Nb Musa pun keluar 40hari Buat je Jgn give up Now dah jadi AM Only end 2014 baru start buat recruitment lps accident. Baru sedar...pentingnya recuitment AS cpt2 kena naik AM Kalau dah nak roll over nanti u jadi senak By mid of Dec insyaAllah dpt double qualifier Now 4mill+++ But he is looking 6mill RM not NSC points Why do I stay motivated to work hard? Why u started? Downline2 baru sy tanya kenapa dia join this business Kena ada somebody yg tolak Sy anak FELDA Kt tahu background

Ank sulung dr 8 adik beradik Ayah dah x de Semua tgjwb kat sy Bila sy buat UT ni. Sy beli takaful utk adik2 Sbb kt dah celik kewangan Pendidikan ditanggung Sy x blh bermewah I wamt the best for my mom n my family Masa nak resign. Bos tanya. Macamana. I just quit I hv my plan Biat takaful utk mak dan adik2 Waktu adik 13 thn Dad meninggal masa umur 10 thn Benda ni paling penting bg saya Bila u ada ur WHY. OBSTACLE macamana pun. U akan redah For u. May be ur wife Ur anak Nak buat kebajikan Find ur BIGGEST WHY Adakah u buat ni utk amal jariah Know ur WHAT? Dulu mungkin YES for income Tp bila look back

Bila focus nak income. It is actually makes me down Sbb nak kenar income sgt. Buat mcm2 benda. Baut laon MBSB agent Bila balik rmh. Wife tanya brp sales hari nj Kalu buat bisnes lain. Sales UT x de Jadik. Tak perlu risau pasal income Risau pasal family Tgk anak2 tidur malam2. Rasa besar tgjwb Dulu dudk flat. Tgk persekitaran. Bukan x bagus Tapi majority, terlalu byk yg hitam. Pengaruh yg ada Jadi kena hijrah Nak cari rmh terbaik utl family Dulu tggl kat 100 sqft Now rmh 5k sqfeet Hadiahkan family rmh Hadiahkan superbike Create another structured debts utk terus bergerak Create another discomfort zone Dpt bawa mak dan famili le umrah Dah janji dgn mak lama dah Mula2 join bisnes ni dah janji Mak buat passport. 2 thn buat x pergi2. Smpi expired passport Pastu ckp ngan mak HOW DO I DO IT?

Cold call? Dulu2 pakai top up. Perlukan modal. Jadi tolak tepi dulu Nak beli leads 1 nama 30sen Kalau 100 nama. Rm30. Boleh akan brp hari ni... Buat survey. Naik car pool. Naik lrt Bayar 70c Survey dlm train sendiri Sbb masa zaman MLM pernah buat camtu Buat berjemaah. At least 2 org. Buat survey senang. Nampak professional Senjata Name card atau pocket calculator Baut survey x perlu malu Mula2 terserempak dgn kwn2. Malu jugak Tapi fikir balik Kalau malu. Duit pun malu dgn kifa Client yg paling besar 2013 dpt kat pasar Masa tu mmg nak kejar challenge trip Dpt 400k dr toke pasar. Kalu aku malu aku rugi ATM machine aku ada kat poket diaorang ni

Dpt AVP Etiqa. Akak busy sgt Tak pe akak. Akak bg je no akak Tunggu akak kat etiqa bangsar Naik tkt 12B Terus dpt closed akak tu 100k Apa sy ckp pun x ingat Akak jadi MG Akak blh cari saksi Sebemarnya nak cerita kat saksi tu benefits invest dgn PM Knp nak sign ni. Sbb akak jadi saksi utk akak ni dpt 200k takaful free Just tegur je org Dulu pernah jual coupon Jual kuih raya Jual pencuci muka Direct approach kat Jln Tun Sambanthan Buat ftf kat kedai mamak Senyum ngan mereka Abg baru makan ke Pukul 6 baru makan. Mesti power ni So exchange card Rm250k stp Booth pacak kat masjid. Pernah kena kejar dgn DBKL Paling awal 7.30pagi buat kat Memara Maxis

FTF is my strength Masa sorang biat mana2 2nd year. Dah organise. Buat every friday shj. Dlt mana2 masjid Ada chinese follow dia sebijik2. Ikut script dia Bila u nak work smart. Choose ir teritory U kena control ur teritorry Cth buat kat masjid India Masjid Jamek Masjid Negara Jimat kos. Work smart Ada orng nampak mcm bekerja. Kejap Jinjang. Kejap batu arang Kalu 1mill OK Ini 1k Masa kerja dgn US company. Dia ajar jaga teritorry Kt yg control 1 hari boleh repaet 17 org 18 org 478 client 80% EPF staff Ftf nesting Dah tahu kat mana kuih bom yg klien suka. Belanja klien satu tanle Rancang ur work Dgn financial constraint U create ur pattern how u wamt to do ur bisnes Zaman belajar dah buat dah

Geng 606 uptrend Cikgu Amir No regret Jgn regret apa saja challenges yg u dpt REWARD YOURSELF Short term Mid term Long term Dulu nak rm5k je X terfikir nak rm25k Skrg boleh dpt setiap bulan Pergi haji ke umrah ke Nak beli rmh Tak pernah terfikir pun blh beli rmh 1mill Lps tu baru tahu Kena ada vision board Kena tulis Kena tulis apa yg u nak Kalau x tulis cita2 itu akan buat Sebenarnya DOA lah tu Vision Board is ur DOA I keep updating my VB Not only material Skrg kt tahu what is my priority Bila masuk ofis. Tgk VB. Ini aku x achieve lagi. Take action

Ada buku Gratitude book Hari2 kena tulis Jgn rasa terpaksa utk buat this business Jgn menaruh harapan kpd makhluk Utl rasa mudah buat Tugas kt cakap je Yg bagi bkn kt tp Allah Bkn aku close aku ada income How to manage our stress Cara Islam dah ajar I TRAIN MY MIND Konsep syariah Pain is Pleasure Pain dulu. Utk dpt pleasure yg akan dtg Sanggup tak kau temouh perjalanan tu Kt tgk GAM mcm ni mcm tu... Kt pun rasa nak... Tje pain i feel todat will be the strength tmrw How to train ur brain or mind I declare war on negative thoughts U nak jadi loser atai u nak jadi winner

4 perkara yg blh buat ur mental kuat 1. Mingle with the right people 2. Dtg ke training. Sbb we talk the same one language. About SUCCESS. Jgn pergi dkt negative people 3. Bacalah buku. 2013. Baca lah buku menjemput rezeki. Do u feel terrified to make changes or to ezperience change in ur life Kt tgk pokok. Dia sentiasa grow. Akar pun growing No gossip Masa naik motor. Ckp dgn diri sendiri As Muslim. Sentiasa beristighfar. Dlm perjalanan Masa jaga bapa mertua. Tak buat sales Kt risau lah. Tp sentiasa beristighfar. Kenergantungan kt pd Allah Masa jaga bapa mertua tu. Dpt cheque 300k. Client call suruh amik Ubah ur perceptions in this business Rasul mmg nak kt meniaga sbb dgn bisnes akn mengajar kt ttg kebergantungan kt Pengalaman 6 thn kalu nak share mmg x habis Apa yg sy cerita itupun nak remind myself Yg baru tu. Teruskan usaha Mingle with all these positive people Jgn jadi secret agent Rezwki x pernah salah alamat.

QnA Kalu nampak owner 7 series kat peteo pump Camaner nak buat No 2md thought X nak jual apa2 Just a quick survey Sy Mus dr PM No hj 01... Test call him on the spot Takut nak buat ftf Takut nak mingle around Macamana nak lawan takut tu Train my mind ... takut is just illusion Bukan nak close Nak tukar kad je Ada kisah. Soramg budak nak buat ddi 100 je Pastu boss dia lalu Boss dah ada experience tak buat ddi Boss ada masa tak Suruh budak tu sign Jumpa boss dia Mula2 ada 12 mins 2 jam baru close. Siap break utk solat Dari RM100 dpt collecr 400k kat situ

Always remind myself I am a new UTC Part yg oaling best lps close Jgn malu Jgn berpuashati apa yg u ada masa tu Train ur mind. Jgn dah habis. Done for today. Change ur mind Question: I nak target my career but atcthe same time UT nampam will give what i wanr Answer: u just need tp find what u want U kena sacrifice U need to choose what is the best for u Other people tak tahu what is ur best Dulu nak jadi mcm Mahathir Lokman Sometime u cannot get both Focus 1 bisnes dan x penat Question: Cara presnt cash n epf Present cash dulu Macamana dpt staf epf Pergi kat masjid mana diaornag pergi. People love to hear the 3rd party story Bg Zul dah invest ngan sy Jual nak abg achik Pa kpd bos

Joannes Theory - 3rd party story Tadi sy naik atas jumpa staf... Hello Dato Ni Mus Dato jumpa sy lat PWTC Ingat tak Pres: Tanya dulu klien Apa yg u expect dgn invest di PM? Ada org x kisah pasal return Ada yg nak service Ada yg nak invest overseas Tak cerita pun pasal return Jadi tanyabclient expectation dulu Ada bikers seluar koyak. Invest berjuta Questions: Macamana kt nak handle client portfolio Every 3 mth keep in touch dgn klien Nampak very simple. Tapi klien nmpk u will be there when they need u Find ur tune utk retsin client At the beginning. Kena educate client Abg akan bemci every 90 days kat sy Tp nak tak abg hanya perlu bayar gaji every 3bulan tukang kebun. Tp abang boleh amik semua profit. Kalau abg x blh stick dgn sy. Sy x blh tlg abg. Educate awal

Yg amik exam sy. Bkn kwn2 akak First pres dah lock dia Question: Agent dah x confident nak reapeat client yv x dw invest dgn regional fund Explain kpd client knp lena invest skrg? U invest masa 2011 masa peak Sbb apa kt kata peak. Sbb dah lps 2011 turun 2017 rebounce Sy x jual rumours Sy jual strategy Warren Buffet enter masa org lain keluar Urk local funds naik slow Urk regional, pace sgt cpt Bila masa best nak shopping Cuma samaada nak amik local atau regional Cerita pasal STRATEGY dan PELUANG Akak tak kan nak jadi...kalau aku tau aku invest

9/26/2017

ME Meeting Notes 25 Sep 2017 Shah Alam Ainul as Emcee 3 mins Sharing: ============ .Helmi closed 150k cash . Fatkuradzi closed 150k epf. 9 years kejar. Mula2 x nak. Pastu nak byl lps promote MG

. Fatkuradzi closed Chinese. They hv some perception kat Malay. So he serviced the chinese till he TRUST. Sembang smpi sama wavelength . Follow up kwn2 kita. Klu dia x masuk. Kita sabar je. . Win the battle. Lose the war . Baila shared how she closed 1mill. She feels the umpph aura of ME . Baila confirm DOUBLE QUALIFIER as of yesterday. . . U kena achieve more. . Epf 30% advantage and market is good. Go for regional . Plan well. U hv 3 mths to go. Introducing the speaker IncomeX 8 participants. Idora Qattrunnada Born 9 Mar 1991 SMS Tuanku Jaafar B. Act Science PM Consultant 2015 Japan n Barcelona qualifiers Top 5 new utc shah alam Top 5 AS AM Jun 2017 Gen Y Challenges: . Family's blessing to do this business . Big Y to prove to her parents . Dpt achievenent tunjuk kat parents . Invite parents during BoP that u present . Then ur parents will understand . Parents quite surprise . Her sister buat part time. Pastu invite buat full time. Lagi paremt dia marah. . Kenapa nak buat UT . X nak 9 to 5 . Nak flexible time . Pernah buat intern. So she think macamana futue aku ni. Jumpa org yg sama setiap hari The Qatrunnada Sisters

Best kalau recruit adik beradik atau husband and wife Achievement. Bila keluar paper. Tunjuk kat parents Bila closed besar. Tunjuk kat parents jgk Challenges dgn spouse Share with ur wife Dpt cash rm300k then rm300k in 1 mth Ada self development coursw by PM. Just enrol. Mcm EnPro Self Investmenta - Asia Works Aku dah nak buat PM btl2. Sign up for Asia Works A platform utk focus. Kena tulis dlm Asia Works our goals. Byk learnt feom Asia Works Dpt pergi Umrah with family Ini one of the goal dlm Asia Works Parents nak pergi Haji. Tp dia nak buat umrah. She got married. Goal Book Goal Board My Daily Affirmation Masa upline tunjuk Goal Board. Dia kata. Ala... aku bukan jenis ni. Pastu buat jugak Rupanya banyak goal dia dah dpt dlm goal book

Gratitude Book Mula2 nak istoqamah tu susah. Walau u x dpt buat everyday. Buat jgk Lps solat tulis Alhamdulillah Thank u Allah I am grateful for ... tulis min 10 things thaf u bersyukur.... . Health for self n parents . Wealth . Dpt appt Kt kena buat sbb iman kt fluctuate.. Tulis doa kat bawa gratitude. Affirmation is doa Goal book is acrually buku doa Goal board is doa I am AM in Dec 2016 . . . . Promoted in Jun 2017 Challenge bila PM banyak cancel class utk promote to AM Ada benda yg kt dpt. Ada benda yg kt dpt Allah answers u in 3 forms . Yes . No . Wait

Just Right On Time Bila rasa down Just got married July Rasa mcm malas. Jadik. Dengar motivational videos from youtube Adi Sastria advise dia stop listening to radio. And beli CD dgr dlm kereta Bila dgr baru kt rasa positif Beli CD kat AmCorp Mall 1st floor. Look foe Uncle Ricky. Kadang kt x de masa nak baca. Jd dgr masa driving. Best sgt CD UNCLE RICKY ada during weekend je. U put effort u will get return A FEEL GOOD THEORY =================== Bila kt nak marah. Cuba kt senyum Always masa u drive. Macam2 negative dtg. Solution: SMILE The POWER OF ISTIGHFAR Setiap kesusahan ada jln keluar Astaghfirullahil azim.... Tale ownership of whatever situatiom My Spiritual Journey . Subuh Zohor Asar Maghrib Isya . Tahajjud . Dhuha

Baca doa dhuha very amazing Gen Y kadang Subuh tertinggal Buat dhuha Dulu buat dhuha nak rezeki Skrg buat dhuha is just a prayer Sama jugak sedeqah Masa luar PM, i tak appreciate pun dhuha dan sedeqah Dulu lps close. Pergi masjid. Masuk kan duit Bila closed besar. Masa tu lah kena bagi lagi besar Kenapa Alllah bagi u besar. Sbb Allah nak bagi u share dgn org lain It is not only HARDWORK but also our spiritual jour ye Doa Nabi Musa bila nak jumpa BIG client Robbish rohli sodri wayassirli amri .... Baca tgj driving Smpi kat cafe Snpi prospect dtg Doa Nabi Yunus Lailahaila anta... PRESENTATIONS Diffeent prospect different style Presentation ada byk Retiree - epd pres x applicable

IQ guna sales kit. Tak suka tulis. Sbb tulisan i x cantik Yv paling penting the 7 steps. CINCSAP 1. RAPPORT U company apa O dh lama ke .. Before Petronas.. Oo En tggl kat mana Denai Alam Hows the traffic? So u drive ye. To make prospect comfortable dgn kt Byk SENYUM Pukau dgn SENYUMAN anda. Dah pernah ada akaun PM ke? O dah pernah. U still communiacte ke dgn consultant ke Is ur consultant updating When is the last time 2 years ago Are u aware u can actuay optimise with PM 4 times a year. Kalau x suka tulis. Buat dlm powerpoint dan print IncomeX style... u knew it Draw the 2 circles

I nak add value kat En Acct 2 utk housing, edu, med n the whole acct 2 masa u turn 50 y.o Acct 1 x blh keluar apa2 except for.... i vest dlm PM Use 2 color pen. PM buat color merah Tanya dia EPF dpt berapa? Sebenarnya EPF bg dlm ... Kenapa EPF allow... Because we can u almost double... 10% to 15% At 55 duit u yg dah grow tu boleh cover duit akt 2 yg u keluarkan Utk CASH ======== In ur life U need to hv Day to Day acct Contingency Acct Growth Acct Tanya dia Cuba en kira dr ur motnhly salary - brp yg u guna utl expenses Darabkan 12 bulan. Ini adalah Day-to-day acct 5k x 12 = 60k Kat mana ltk ni? Savings Acct Duit utk back up. Simpan kat mana? Tabung Haji dan ASB En dah ada.ASB n TH

Mesti dah full ur acct kan. U kena confident Contingency acct. Monthly expenses darabkan 12 bulan darabkan 6 thn 60k x 6 years = 360k Buat official proposal. Guna logo PM. Tulis nama dia Banyak cara to present cash. What is ur 3 favorites funds? Paif Pialef Pcif Piataf Pergi fund performance PM web Go for 5 years return Guna photogrid kat phone 5 years 1 year Selalu sebut nama prospect Kena praktis Mula2 rasa pelik Sebut nama sendiri juga kat client bkn I. Dtg training is very important Dpt token of Appreciation from ME

Wrap up by GAM Arif al Caliph ======================== U must hv ur BIG WHY mcm Idora. To prove to parents for example Everything that I wanted to share dah shared by Idora Just a memory in 2005 U all tak lahir lagi Dah berhenti kerja Cuti dulu sblm buat bisnes apa2 Buat research bab rezeki Jumpa 1 buku kat depan Masjid di New Delhi. Uswa e Rasul Kisah bgmna aeorang lelaki jumpa Rasulullah dan dia kata Ya Rasul. Dunia tlh lari drpd ku Nb kata kau tak baca ka the prayer pf malaikat Lelaki tu ckp. Bgtau lah Ya Rasul Nb ckp: Ucapkanlah 100 kali berikut ini at the sunrise (in between Azan Subuh and Syuruq) Subhanallahi wa bihamdihi Subhanallahil 'adzim wa bihamdihi Astaghfirullah After some time the man came back to Rasul and said Ya Rasul. Dulu dunia tlh lari drp ku. Tp sekarang dunia tlh dtg pada ku sehingga tak de tempat lagi nak letak Nak tak u buat amal ni yg dpt transform diri u ni Training ends at 10pm Note Taker: Arif al Caliph

9/21/2017

[Tip nak print IC ikut size sebenar

85.60 mm × 53.98 mm (3.370 in × 2.125 in) and rounded corners with a radius of 2.88–3.48 mm Kalu kat WORD, right click on the image dan anda akan nampak height and width of the image. Ubah kat situ je

9/21/2017

Akaun 1, Akaun 2 & Akaun 55 EPF?

9/5/2017

Document Required to Become an Agent Some recruitment tips when stranger ask u about becoming agent Wkslm Yun. Nice to know u. [19:01, 9/5/2017] myunittrust: New Unit Trust Consultant Application =========================

To speed up the application, kindly prepare the following documents: 1. Two copies of your IC. 2. Four copies of your passport-size colour photo. 3. An ORIGINAL & a copy of your relevant certificate of examination e.g. your degree, diploma or SPM. (Minimum qualification is SPM with any 3 subjects Credit) 4. Registration Fee RM265 (payable thru Internet Banking (to PB acct) or Public Bank counter) for Public Mutual Bhd account no: 3-1466169-06 5. A copy of your bank statement or front page of your savings passbook (this is optional and can be done later. Preferably Public Bank) [19:01, 9/5/2017] myunittrust: Yun, u can get some more info in here. http://bit.ly/BisnesPelik And I shall pass the book "Panduan Menjadi Agen Unit Amanah" during our mtg [19:02, 9/5/2017] myunittrust: Use this steps that shall make ur life easier n u can recruit more effortlessly. And tease them to come to see u. Otherwise u will become info provider je. [19:16, 9/5/2017] A Aslam: Nice. No 5 dah tak perlu copy lg abg Arif.

8/28/2017

Notes Handling Objection No 5 I prefer to invest in ASB ASB cap 200k. Only gives dividend In UT ada capital gain No limit Takaful I dah invest with other UT ==================== How about diversifying some of ur money with PM We hv takaful Our MG now is takaful protected

So use this to meet ur client. Nanti dpt lagininvmt No 7: I prefer to invest in gold =================== Gold has no dividend The moment u buy. U dah rugi. Sbb ada Buy n Sell Tak minat la!!! U are not the one saying words Many of my clients said this too Until they hv given me a chance to explain I nak invest ngan TH ================ With PM ada protection =================== Special notes: Even though market down Invest in Ittikal After some time From 100k units jadi 400k units Draw chart price vs cost Price is up and down Cost ia always drop What u can see from this graph? 2009 - economy still down Yet in the long run. U can still make profit

Kalau u boleh tunggu 10 thn. Boelh tak tunggu lagi 2 hgga 3 thn ======================== Rejection mmg ada. How we handle tu yg penting

8/22/2017

[23:17,] myunittrust: Always before I talk to a group of strangers, I will look at Dale Carnegie summary. May be beneficial to you too.

Book Summary: Stand And Deliver AUTHOR: DALE CARNEGIE Communication skills play an integral role in a leader’s ability to get his/her message across. In fact, it's an absolutely essential leadership trait. One of the first books I picked up when I first decided to polish up my own speaking skills was “Public Speaking For Success” by Dale Carnegie (highly recommended). Communication Leadership Trait #1 : Know What You’re Talking About ======================================================== Prepare at least 10 days before speech Take 20 mins to write down atleast 50 questions about my talk During the first 20 mins (no more) you're creating an outline. Very important to put them in questions. Carnegie stresses that we do this with pencil and paper. Create a document file for your questions and answer them based on what you know (casual). Complete your answers 3-4 days before your talk. You don't have to report everything about your subject to the audience. Don't try to tell the audience EVERYTHING — this just can’t be done. Be frank with the audience about your level of knowledge about a topic. Goal should always be to share your genuine point of view with the audience. Communication Leadership Trait #2 : Key: Rehearsing + Organizing Your Talk

============================================================== DO NOT memorize your talk, instead, use rehearsal as your primary means of preparation. Rehearsal: think about, and continue to re-think about, the topic of your talk for at least 10 days, go over it in your mind over and over and over. Think of new ideas you can come up with and potentially add to your outline. Think about your listeners and their expectations, think about your own expectations. Think about the physical location; how big is the room? how many people? In your own mind clearly identify your subject and purpose. Say your speech out loud in front of the mirror or in the car. Practice the talk with friends. Brainstorm with them. Pay attention to their responses. Keep "The Rule Of Three" in mind. This rule implies that you organize your talk around: -- 3 main sections -- 3 subsections -- 3 more subsections (if enough content). Communication Leadership Trait #3 : Powerful Delivery ============================================ Conviction and enthusiasm are KEY! Connect with the audience. Must be just like an intimate conversation. Carnegie suggests that the key to effective public speaking is more about the MIND than the HEART. Moreover, he stresses that your talk should seem emotional to your audience, but what the audience sees/hears is just a fraction of whats going on. In other words, methodical preparation and strategic planning + practice will result in an effective talk. Bottom line: adopt a scientifically analytical viewpoint when prepping, planning, and practicing for the final delivery of your talk — all the while ensuring that your strategic appro… [23:17, 8/22/2017] myunittrust: Tak cukup lagi 2 orang utk sy share slides tu.

[23:18, 8/22/2017] +60 16-949 6300: saya nak 🙋🏼♂ 8/16/2017

Tip bila klien tanya pasal wasiat n faraid things Copy dr Ijoi [08:12, 8/16/2017] myunittrust: SIJIL FARAID / SURAT AKUAN BERSUMPAH TIDAK MENCUKUPI UNTUK URUSAN DAFTAR TURUN MILIK HARTA PUSAKA KEPADA WARIS

1. Ramai orang ingat, apabila sudah dapat perintah atau sijil faraid daripada Mahkamah Syariah atau ada surat akuan persetujuan pembahagian harta pusaka secara sama rata, atau ada surat cara wasiat dan sebagainya, maka urusan turun milik nama si mati dalam geran kepada nama waris boleh terus didaftarkan di Pejabat Tanah. 2. Sebenarnya TIDAK. Pentadbir Tanah/ Pendaftar Hakmilik pejabat tanah tidak mempunyai bidang kuasa untuk TERUS MENDAFTARKAN turun milik kepada nama waris si mati walaupun waris-waris telah mengemukakan sijil faraid daripada Mahkamah Syariah. 3. Ini kerana Perintah/Sijil Faraid tersebut hanya sekadar mengesahkan bahagian waris masing masing terhadap harta pusaka tersebut mengikut hukum faraid sahaja bukannya satu perintah yang mengikat Pentadbir Tanah/ Pendaftar Hakmilik pejabat tanah. 4. Begitu juga, walaupun katakan semua waris setuju untuk membahagikan harta pusaka simati secara sama rata, persetujuan tersebut tidak mencukupi untuk membolehkan pejabat tanah terus mendaftarkan turun milik kepada nama waris-waris yang dipersetujui, walaupun mereka buat perjanjian bertulis di hadapan peguam atau buat surat akuan bersumpah di hadapan pesuruhjaya sumpah, dan walaupun mereka mendapatkan perintah pengesahan daripada Mahkamah Syariah sekalipun. 4. Jadi, apa yang patut waris-waris lakukan adalah, setelah mereka mendapatkan perintah/sijil faraid tersebut daripada Mahkamah Syariah atau setelah mereka menandatangani sebarang surat cara persetujuan sesama mereka, mereka perlu memfailkan permohonan untuk mendapatkan PERINTAH PEMBAHAGIAN PUSAKA atau SURAT KUASA MENTADBIR daripada Pejabat Pusaka Kecil (untuk hartanah yang bernilai bawah RM2 Juta) atau daripada Mahkamah Tinggi (untuk hartanah yang bernilai atas RM2 Juta). 5. Hanya dengan PERINTAH PEMBAHAGIAN atau SURAT KUASA MENTADBIR SAHAJA, Pejabat Tanah boleh mendaftarkan turun milik kepada nama waris atau pentadbir harta pusaka si mati. 6. Perkara ini adalah sebagaimana yang diperuntukkan dalam Seksyen 346 (1)&(2) dan Seksyen 348 (1) Kanun Tanah Negara. Kredit to : Salkukhairi Abd Sukor @ Public Mutual Bhd Shah Alam Branch

8/12/2017

Systemize Ur Biz PAPOCRC Prospecting Determine Ur Stength

Which MMA Tahir buat EPF sales je Skrip Cold Call Kalau Belum Ada Akaun ==================== En kerja skrg ada mencarum CPF CPF beri dividen dlm 6% setahun Kalau En Ali tranfer ke dlm PM. Retrun dr islamic fund dlm 10 to 15% Boleh sy tau ofis Wn Ali kat mana? Ambil masa dlm 5 hgg 10 min Then set appt. Tempat dan masa Why Cold Calling? . U enjoy and give result . One of the best proven ways to get clients . Reduce fear pf rejection . Highest form of production Pernah buka booth kat TM sebulan Pastu buat FTF. Tanya Zarif. Cuba kat Mid Valley. Mcm boleh buat. Tap dah pukul 1. Tak buat Pergi kat surau pulak. Tgk irg keluar surau. Mcam boleh. Mcm boleh. Tp x tercakap Pergi Garden pulak Jumpa mcm org kaya Kena bg kad. En. Sy rasa sy kena bagi kad kat En. Pastu tak ckp apa. So itu sy. Tak berani n pandai ftf

Utk UTC u boleh guna ni utk build agency Leverage through emplpying staff (calls for PS GS recruitment n corporate) APPOINTMENT ============ . Bagus kat premise client. Jimat kos tak belanja dia. Byk lagi prospek kat ofis dia PRESENTATION ============= . Apply KISS technique . Bawa QFR n Pocket Calculator . Only 10 mins Bg dia card PR sekejap. 3 hgga 4 soalan Kerja dah berapa lama Duduk kat mana Dah kahwin Presentation. Maximum 15 mins. Cerita sikit2 pada klien. Can see 3 to 4 clients HANDLING OBJECTION =================== Verbal Taichi I agree I totally understand Pastu U masuk sikit dulu. CLOSING ======== Start with mindset Pergi memang nak close

En Ali ada apa2 soalan tak. Kalau x de. Sy ng form tu boleh CUSTOMER SERVICE ================ . Provide min every 3 mth report . A simple report Bg UTC@work Cuma tunjuk MGQP Tak perlu tunjuk NAV unless dia tanya Utk repeat sales. Awal2 bln siapkan dokumen. Tunggu nak submit je. Nak retain client tips ================= For BIG client. Tak ambil max eligible invmt. Client x rasa epf dia keluar banyak Wih birtday REFERRAL ======== Cara paling simple Dgn klien yg dah geng. U pernah dgr tak kliendah invest. Tapi agen dah lari. Sbb x de business. So boleh ke bagi 10 name geng u IN SUMMARY =========== . Be HUNGRY for sales . As a new UTC, do as much prospecting as possible . Develop the habit of doing Kadang2 kt ada rasa malas. Macam nak delay. So mcmana nak buat. Terus angkat phone.

Spend more time in the business. Ir sales n income will reflect. Kalau x de appt. Tgk CAMS. Sevice existing client SOALAN ======= 100 call dpt ckp 40 dpt appt 2 tau 3 Modus operandi Dtg ofis 9 smpi 12. 100 calls Ada org hire 7 specialist utk call. Org2 lama kadang2 ada sindrom M. So hire Tip nak dpt leads ============= Ambil hp sedara mara. Tgk contact. Tanya dia siapa contact tu. Pergi ofis client Tgk card holder. Minta utk photosat. ====================== Jas recap: The missing ingredients that u must hv Lam - Lama Ra - Rajin ================= Jas Sharing Corporate Invt Points from GAM Su Top Corp Sales Producer. SPM level. She is very smart girl. First batch aeronautocal engineering. Mak tak bagi

Rank in file kat Maybank She works double utk at par with otehrs Join 2008 10m yearly sales Kalau dia kerja maybank. Can he get the income 275k 1. First GOAL 100k income. 3 mill sales Uplink i think kita cuba buat corp sales For the mother yg duduk setinggan spy dpt rmh Su tulis hari2 goal dia Bila frust je. Buka buku goal dia Tgk notes GAM Su yg dah pernah share dulu. Tips For Retail Sales ================= Sell millionaire dreams to retail clients 100/m 35 years @ 15% = 1.5m Tips for Corp Proposal ================== 1. Simpan vs invest Design capital protected fund 20% equity 80% bonds In 5 years 80% bond akan jadi 100% So this is the guaranteed 20% equity akan dpt 7% p.a. Capital guaranteed is not syariah compliant Capital protected is syariah compliant Feom 150 pages to 90 pages Now only 30 pages.

Watch out. Bila u jual corp sales. When client redeem. Ur CB dan NSC akan turun jgk 2016. Negative 17m NSC. Tapi di kerja kuat. Double qualify jugak thn tu Cycle of Market Emotions ===================== Rebalance client portfolios between bond and equity Tip lagi Product uniflex - pledge UT (PB Trustee) overdrat facility PB ========================= Sharing by Kak May Ever Tried Ever Failed ... no matter Pernah Cuba Pernah Gagal... Tak Kisah There will be one time. Jongkang jongkit success akan lbh berat dr yg gagal. U tak tahu kat mana Introducing Kak May ================ 68 thn Join Apr 2005 X gomen. Left. Tak tahu computer. Exam cute. Pakai computer. I tak tahu. First time. Kat mimos. Fail. Sbb x pernah touch computer. Nak cari ENTER pun x reti She was more worried abt computer dr nak jawab soalan.

Lps gagal. Balik terus pergi Bangsar utk register balik. Marah kat diri sendiri knp x belajar computer 2nd time. Pergi. Confident. Org ke 5. Lulus. So excited Fav funds x de. MCE holder. Jadi selalu pergi invmt talk. Sbb tahu dia tak sama dgn yg ada degree Seboleh2 dia akn belajar. Mula2 jual PIOF Jadi AS 3bln selepas join. Tgk commision mula2 18k. Itu yg buat ... Masa tu umur 55. Kak May strength . Muka tebal . Tegur kat dlm cimb bank Lama kt tunggu Borak2 ngan org sebelah Kalau x dpt. Dia kata panaslah. Pastu dia tukar tmpt Kak May tak suka warm market Sedara akn invest bila dah berjaya Kwn2 pulak. Buat apa beli dgn dia. Dia dah kaya. Dulu buat roadshow. Tak duduk. Org lain nak duduk x kisah. X de epf sales What is tough abt the bisnes?

Tak de U kena tanya diri u. Kenapa u join the business Kalau u 10k pun dlm bank kenapa u x buat Nak bg ur mother pun x duit. Knp u tak buat Hati nak jadi mcm Jas jadi GAM membuak2 Kak May gila duit Ada tak org STOP u buat bisnes Kalau 1 hari x de appt. I rasa i buang masa Kalau org bagi 100/m. Tanya dia balik bila nak KAYA. Sy x carry umur sy 68 Kalau muda. Masih menawan. Tp sy x pernah fikir sy dah tua la. X boleh buat. U ada kelebihan I pun ada kelebihan We work on our STRENGTH Jaga HATI Jgn berdengki dgn orang Usaha spy dpt jgak kalau org closek 100k Knp org lain blh recruit. Sy pun boleh Kalau kau boleh I pun boleh Dia junpa org yg minta sedeqah Umur u muda lagi I 68 thn Masih kerja lagi Daughter ckp jgn jual kat lelaki

Tp dia kata aku jual kat klien Share utk klien jadi kaya Kak May still drive Jumpa Prof Present simple Bawa klien gi bank. Join 12 free trips

8/8/2017

Summary Brainstorming 8 Aug 2017 What work Whay didnt work What's next Money Making Activities Table to Table (TTT) Face to face (FTF) Booth Cold calling Referral Jangan berangan u kata referral is what work for u. Bila results tak menggambarkannya Kt kena improve Qualify incentive trip 1 Then trip 2 Then trip 3 Then double qualifier Commision for 2.5m sales per year. Commission is only RM4770. U x de medical coverage All cost. We have to have a BIGGER GOALS.

We must SET our mind correctly Kalau nak income rm10k per month What will u do Increase the MMA Kalau bagus kat referral. Focus and bang on it. Sampai achieve ur goal Syed Bukhari dulu bawa lori nak jual beras door to door We can see our results the past following month ========================= GAM Nazri sharing: Success Belief 1. Everything happens for a REASON 2. There is no failure, only LEARNING 3. Take RESPONSIBILITY no matter what 4. U dont nwed to understand all to see ur clients 5. Your biggest resources is ur people 6. Work is PLAY 7. There is no success without COMMITMENT ========== Why People Buy 6 motivations: . Pride of ownership . Desire of Gain . Fear of Loss . Comfort n convenience . Security n Protection

. Satisfaction of Emotions Dont Sell UT investment . Sell Dreams . Sell Objectives . Sell Plans Financial Planning Approach . Retirement Planning . Education Planning . Hajj " . Marriage " . Home Acquisition " . Wakaf/Legacy " ================== Steps to calculate 1. Determine the objective n time frame 2. Find target amt 3. Adjust for inflation 4. Calculate the shortfall 4 Cara Pengiraan FV Cth Abu dpt rm50k simpan at 8% nak guna pd 55 Use PV as negative. Why. Sebab duit keluar. PV = -50k Annual Rate = 8 Peeiods = 30 Compounding: Annually Mode: End (or Begin x kisah. Utk PM sbb kt potong awal bln. Guna begin) Cuba cari FV guna financial app. FV = 503,132 ========================

Nak 1.2m si Abu ni. Kira PV lump sum berapa ======================== Nak 1.2m. Tapi nak bayau monthly Dpt PMT 10,592.92 utk yearly So u kena divide by 12 manually. ========================= U can use ADVANCED MODE kat FinCalc. Tapi leceh nak kena kira bulan utk period So in practicw uae NORMAL MODE instead of ADVANCED MODE ======================== Now do the Education Fund Anisah to send daughter now 2 y.o to u at Australia at 18 y.o. 13k tuition fees 10.5k living costs = 23.5k per year X 4 years = 94k Convert to RM with rate of RM3.4 for 1 AUSD 94k x 3.4 = 319,600 Masukkam dlm FinCal PV = - 319,600 Annual Rate = 4 Period = 16 Compounding Annually Click FV 598,604 ======= Draw the timeline 2-----------------------------18---------22 |||----16 years-----------|||-4years|||

Now to get PV for the desired FV of RM598,604 To find PV, u need to change rate to 8% Click PV then u will get 174,727 Then xlixk PMT for annual payment 19740.11 dan divide by 12 1645 per mth This is the simplified method. Easy for agent and easy for client ======================== Hajj Planning Hafizi 30 2070 turn to Haj 45 years to go 40k package Inflation 3% UT return 8% FV 62,318 Now PV -19,645 Zerorise the PV to calculate PMT p.a. PMT annually = -2295.17 Monthly = -191 ====================== Retirement Plan Raimy 47 yo Retire at 60 Retirement income 15k Inflation 3% Jangkahayat 80 Target amt: 20 yrs x 10k x12mth = 2.4mill Adjusted with inflation at the age of 60. Period = 60 -47 = 13

FV = 3.5mill Lump sum PV is 1.295mill PMT p.a = 163,965 Monthly is 13,633 ====================== Tips to pop up calc app within FinCalc ===> tekan lama2 kat kotak kosong tu lama2. Cth kalau nak darab atau divide by 12. ======================== Sales Tracking Fara 60 Arif 50 Adeline Zuna Maisara ======================== Take advantage of cash invmt tanpa service charge utk Agent UT LUMP SUM | DDI UTC 1K 100 AM 2K 200 GAM 6K 600 ===================== Sales Bulan Julai Qualifiers Chiang Mai Melbourne x 7 orang Moscow x 1 orang Ada 4 to 5 mths Tgk Usin Boltz dah dikalahkan oleh US man. ======================== Keep track. Berapa banyak lagi u nak capai ========================

30 Apr 2018 first trip out to Moscow Get ready CNN. Plan ur day 2018. Kt jogging kat Moscow lps subuh

8/7/2017 [15:17, 8/7/2017] A Aslam:

Utk partime, ada beberapa cara utk buat sales secara online/offline: 1- Whatsapp group. Snap gmbr poket kalkulator dan tanya kawan dah ada belum acc ut guna acc 1. 2- Share psl ut investment secara general kt fb. Ni umpama bina paip slow tapi long term berkesan. Nk dpt idea? Kena rajin baca/g training/ g sesi sharing. 3- jumpa kawan2 tanya je. Lg2 membe opis. Weh ko dah ada acc ut tak? 4- Adik beradik/sedara mara. 5- Suka kena rejek. Kalau orang rejek, baru kita tau apa sbb. Kalu org accept je takda challenge

8/2/2017

Tip on recruitment Give this video link as a mindset preparation before u see ur prospect agent. InsyaAllah they will sign-up [18:58, 8/2/2017] myunittrust: http://bit.ly/BisnesPelik

8/2/2017

Script Jumpa Klien utk Close Just closed 1 client kat TM. Script: This is ur report. Tunjuk kat hphone je. Email diri sendiri report cams2. Pastu buka kat hp U invested 350k. Dah untung 87k. So invmt baru I recommend we put into overseas fund PAIF Hj Salleh VP TM switch less than 3 mths to this fund. Dah naik 5%. Ye ke. Another thing nak diversify. Ur invmt semua local funds.

So nanti sign kat dlm kereta. Pastu borak2 sambil makan sup daging. Tu la dah gemuk kan. Eaok jogging lagi. ====================== Bawa klien solat kat masjid ar rafah bangsar. Lps solat htr balik ke tm dan sign dlm kereta. [14:46, 8/2/2017] myunittrust: Tips. Always use testimony yg ur client respect. [14:56, 8/2/2017] A Aslam: Btl kena kasi client report dan happy baru dia happy nk topup

7/17/2017

Ringkasan video Org Paling Kaya Yaman Ust tanya share tip nak jadi kaya Jawab dia: Takwa kepada Allah Dia solat kat masjid. Rupanya hubungan kt dgn Tuhan teruk. Sbb tu tgk muka bini. Masam. Dunia ambiklah. Walau sesibuk mana pun. Jangan lupa Allah Salman Al Rajhi. No 20 terkaya di dunia. Umur dekat 80 thn >500 cawangan bank Al Rajhi di dunia bagi duit kat orang. Beratur lbh 2km. Tak tanya pun nama siapa. Sheikh ditanya berapa banyak kau sedeqah. Kalau x silap ust. USD 60 billion dah sedeqah. Dunia dapat. Akhirat dapat Tengok dunia dlm bentuk positif bukan negatif Thanks Abang Rino yang masih membujang

7/14/2017

Pagi macam ni. 1 tahun yang lampau. Sejuk yang sama. Mungkin hujan malam tadi. Sy tulis post ni dan hantar. Minggu lepas sy jumpa Tn Hj Johari Ibrahim yg baca post ni tahun lalu. Dunia ni kecil sahaja. Mula-mula dia kata dia macam pernah kenal. Masa tu supper kat Mirasa SP.

Rupa-rupanya geng fb dan kawan GAM sy Raimy Hardev. Dia cakap dia ada buku yang sy beli tahun 2005 tu seperti dalam gambar. Tapi dia beli mungkin tahun 80-an atau 90-an. Otai betul Hj ni. Untuk menambahkan manfaat lagi. Saya ulang post tu kat sini ya tuan puan. Dan kalau rasa ada manfaat tekan je button share tu. Sama-sama kt kongsi ilmu Allah ni. Saya pun dah bagitahu Mira Munirah Caliph team hal ini. Dan minggu lepas dia telah alami perubahan dalam hidupnya. Baca sampai habis dan fahamkan ya #TipBulatkanHati Rahsia Personal Coaching utk Team Caliph. Jarang2 sy nak kongsikan. Baca sampai habis dan kongsikan kepada rakan2 yg teragak2 nak buat bisnes. To those yg teragak2 nak buat full time ke part time!!! Agreed that the decision is BIG. Very2 BIGGGGGG In many of my personal coaching. Yes, I mention about the basic skills required to succeed and the positive mental attitude that u must have. Plus the Money Making Activities that we must do daily during weekdays. Ada satu lagi that I strongly believe. We must hv the connection, the rapport, the longing with the ONE who create us. The ONE who give us rezeki. This thing very seldom people talk about because people think other people knew it. In 2005. A drastic DECISION that no one force me. I love my job. Meeting overseas and big hotels. Entertain like king. At the airport no need to queue. Special lane. Terus masuk kereta with driver. (Itu kat negara ke 3 la ha ha ha. Kalau kat US or Australia beratur jugak) Then what make me decided to quit, to take vss? =============================== 1. With business. You are the MASTER of your own TIME. It means flexible. U can enjoy morning tranquility. Finish ur amal, quran, zikir, dhuha without rushing to the ofis.

U can join NGO or Persatuan or Surau/Masjid to give benefits to society. Visit neighbour/sedara mara yg sakit etc at ur own peace time. U can take long continuos leave such as 40 days every year. 3 days every month. 2.5 hours every day. 2. Ur PRODUCTIVITY (INCOME) is directly related to ur EFFORT. Unlike in corporate, there are many other factors that ur boss has to consider to pay u more, that include politics, social, allocation of budget, department level of importance to the eyes of CEO etc. U can PLAN ur income. If u want ur income higher, then see more people. If u want to enjoy holiday, see more people in a week. Then have a rest 3 weeks. =============================== If it is because money alone, it is quite tough for me to make the DECISION. It is the FLEXIBILITY of TIME that has PUSHED me. PUSHED me until people say I am crazy. My mom cry. One of my brother get angry. Ramai lagi. I need to contribute to my Deen. I need to transform from malas2 nak amalkan amalan agama to rajin2 sikit. From malu2…

👍👍✈ 6/19/2017

Salam Pencarian Laila to Caliphs-NZM-Neo team, I just came back from khuruj fi sabilillah and now start working I nak share Tips How I manage to send kuih raya dan set appointment by location. The otai knew this oledi This is special for the young blood who are IT-oriented 1, Create Spreadsheet Lokasi Client (I used google drive for portability - kat hp pun boleh tgk anywhere) 2. I use whatsapp web to copy the same message and send it to clients. But my address them by name. So that it become personalised. 3. Wait for them to respond Attach is the photo

Happy Setting Appointment 6/13/2017

Tue Brainstorming with GAM Farah 1. Utk dpt RM1mill commisiion. UTC must closed RM50 mi cash sales 2. Willing to slash ur own commision for corporate sales. For future referall. Cth Suraidah closed 450mill money market. Kalau lt nak tamak masuk semua dlm equity. Dulu 0.25% comm. Income more tham 1mill Career Benefit 450k x0.2% = 900k for equity If money market. It is 1/4 of equity. So it is 225k annual career benefits Equal to rm18.75k a month. 3. The past 3 months 7 regional and 3 local funds yg perform more than 7%. Fikir positive. U akan nampak benda yg baik. Try to always look the silver lining Why major UTCs still at PM. Try to look a bigger picture Kena sabar Action utk jadi habit, u kena buat 40 hari Work based on ur schedule especially for moms Nak urus anak, husband, transport dll. Masih ada byk masa utk kejar Moscow. The key to successful is perserverance Consiistency will make u perservere

Mcm kita set 30 juz i Ramadhan. Some people will do it. For u. If it is too hard. U can start bit by bit. At least u start. May be 1 page in a day. 3. 5 progressive steps of learning. A. Awareness Ur must know ur prod well. Fund apa yg epf friendly Dan takaful friendly Offer cash utk different fund yg berbeza dr epf fund. Cth preference share. What is it? U dont have the right to vote. B. Knowledge - Facts / what to do? Understand the behaviour of the fund that u propose Tgk fund performance: 1 bln 3 bln 6 bln 3 tahun U kena sayang ur funds mcm u sayang anak2 u. Tapi sebenarmya kt x tahu perangai anak2 kt. Kat rmh lain. Kat luar lain. C. Skill - How to do Practise Do it well Handling objection dah kacang D. Attitude - Habit E. Expert in ur field Tahu pasal wasiat Bila org tanya insurance. U jgn kata x tahu.

U can answer like this. Nanti I cari utk u GAM also dont stop learning Work at ur own pace. But faster n faster. Just like a baby. Envy org yg close 10mill producers every year Grow ur friends. Masa pergi trip. Mingle around Take the positive energy ========================= The Mission for UTC is to find customer's need amd fill them Inculcate new downlines utk isi power progress booklet and daily planner sold at PM branch for RM10 Try to think BIG Go for corporate pun OK. Fikir long term utk dpt referral Perkongsian Ikhlas dari GAM Farah. Sy pencatit je.

5/12/2017

Ada satu tip lagi tak bagitau. Kena baik dgn staf kat branch. Last time referral dpt 120k [14:35, 5/12/2017] myunittrust: Mmg. But non muslim. Promise to give me 10k+-. DDI 1k

5/9/2017 Tuseday Brainstorming 9 May 2017 Cheras Aznita

10 Secret of The Millionaires Next Door From the Millionaire Next Door 1. Live Below Your Means

2. Seek Knowledge Know what u are doing Million ways to become millionaire Video: Janitor died with USD8mill. Donate to hospital Save 50usd a week In his house, they found prospectus, stock data Ronal Read 1921-2014 3. They pick the right field/ build their companies, not someone else's Generally they are the businessmen Among the top paying jobs . Personal Financial Advisors Build ur own agencies 4. They save n invest early Save lump sum The best is to do DDI Invest regularly % of savings? 20% to 30% has been deducted for EPF contributors UTC without EPF

Must saves 40% for retirement Lebihan baru beli lain2 The best time to invest is 10 years ago The 2nd best time is TODAY #COMPUNDING INTEREST# ITS IMPACT lump sum 100k At 8% for 30 year Become 1,006,270 Monthly DDI RM1000 Become rm1,500,300 5. They take risks BUT they DONT GAMBLE Safe invmt dont get u anywhere Millionaie next door are not speculators They diversified Stocks. UT. Bonds. Properties Which is recommended find for DDI. 6. They keep themselves COVERED medical Life MRTA Take takaful How much sole breadwinner should be protectee 1 year salary

Tell ur client for MG. Get free insurance n takaful Real Case Study: Invmt client 383,752 Get report. Why negative? PISSF PITSEQ Tell ur client why? The 3 concepts PLUS ur client worth is not only that 1. MG PA n TPD 383,752 2. PITTIKAL 39,996.10 PITSEQ 66,832.65 WHEN HE DIES (ACCIDENT) HE CONTRIBUTE TO HIS WARIS 874,331 For Natural death 490,579.75 Suzana n Aznita used this techniques Clients love it. Because they know their LOVED ONES will get yhese benefits Especially client yg masih belum positive IMPORTANT NOTES Must inform PM within 10 days on MG PA claim

7. They are wise about windfall (rezeki yg x disangka2) 8. They hang onto their cars and houses Guna selagi boleh pakai Dia tggl kat kawsan yg biasa2 sahaja. So that they dont get distracted to upgrade their living style Car depreciate fast House appreciate Warren breakfast Set 1. Murah. Kalau stock jatuh Set 2. Mahal sikit. Kalau stock dia naik 9. They avoid DEBT Bayar full credit card Kalau x it keep on compunding Peer pressure anak2 kt. Semua pakai smartphone mahal. Latest gadget. Advise our kids. Got to make effort for things they want. Knight Kiplinger says Do u know org x pinjam duit jadi bankrup ILUSTRATION GOOD DEBTS FOR BUILDING UR MILLIONS UT N EPF If u dont have money at all Take rm200k loans Pay mthly RM1245 for the next 20 years Put selepuk dlm UT 7.5% p.a and dont take dividends

Will get 800k Total payment is RM300k U gain 500k FROM UR EPF - U WILL GET 200k LESSON TO BE LEARNT DONT TAKE ALL DIVIDENS TILL 55 THEN WHEN U RETIRE U HV ACCUMULATED RM1MILL Then u put 1mill Return a year 7.5% 75k per year Use the money for ur retirement expenses 75k per year = RM6,250 sebulan Explain the concept anak angkat Anak angkat virtual Bagi anak angkat u rm1000 per month Bagi 20 thn U akan dpt RM593,000 Buatlah anak angkat pertama kedua dan ketiga Letakkan rm593k kat income generating fund Then u can use the dividend payout forever..... Cthnya PIDF U NAK TAK ANAK YG BOLEH JAGA U DAN BAGI RM47,440 SETAHUN atau RM3,953 sebulan tanpa alasan dan tanpa muka masam 10. They donT DIY their money . Give the expert to advise them

. Financial advisors

. Akpk WE ATTRACT MILLIONAIRES ======================== SHARING BY SUZANA recruit this year 2 dah lulus Wan Su x aktif dlm fb Kecuali masa travel free trip Recently bawa 2 org ke BoP Erin X maybank staff promote lat adik dia Old uni friends. X cimb MSS. Nak join Wan Suzana Kerja bank dulu mmg teruk. Semua kena squeeze Skrg UT. Sgt enjoy. Baru ni. Minum coffee. Nmpk org Petronas. Rupanya intern Promote. Nak jadi macam akak tak. Boleh minum2 bila2 Jumpa agen Prudential. Dlm komuter. Jumpa prospek tu. U buat utk health kan. Utk invmt. Buat mcm akak. So ask people anywhere u are. Kat workshop Kt bagi bisnes card kat mana2 u berada. Bagi je. U never know. Kat shopping. Akak kerja apa. Free je. Memamng hari ni malas2. Shopping. Sy nak jadik macam akak lah.

Now all of them dah become UTC Think postive. Always akan jumpa potential client dan potential agent Jgn simpan bis card byk2. Baru ni. Beratur kat duck scarf. Pun boleh recruit Nampak tak. Nampak ke tak. Sambil berdiri tunggu turn. Pun recruit. Buka je mulut tu. How do u feel I feel wow I feel wow wow I feel wow wow wow

5/9/2017 [13:23, 5/9/2017] a NORAZIZIN BINTI OTHMAN: Alhamdulillah ..baru close RM50 k epf. mintak rm100k, dpt rm50k. existing client dah tahun ke 3 tak nak top up. his earlier intention td , dia nak jual balik ke epf sbb nak maintain big base dlm epf.

what works 1. High energy n rapport - layan dia cerita 1 jam. 2. FFF 3. saya maintain x ramai sgt client sbb nak jaga quality. 4.Mirroring all the way

what did not work. 1. local market naik.. dia tak agree sbb manupulation by gov nak PRU n other factors too. so dia nak regional fund je. next high net worth dan warm mkt lagi dan lagi

5/6/2017

Cikgu LIM 17 years ago join PM From Penang 870 clients Closed 17m in 2016 Personal Sales One step at a time 5 new customers a month Success is the sum of small efforts, repeated day in n day out - Robert Collier 17 years ago. Do cold calling. Penang got many MNC manufacturers Got namecards from her brother Ladies senang buat cold call. Mesti prospect ckp Come come Target is factory in Penang n Prai Call manager n engineer 30+ year old Now today clients made a lot of many Until today JUST BUY NEVER SELL TIPs to enter kilang

I am a SUPPLIER She prints the supplier name card They are so busy. Come thumb print and go Come thumb print and go Come thumb print and go Dont thumb print in front of receiptionist lobby. Ada camera. Not good for client Increase to 1000 clients. Then u can choose high networth client Sort client by AUM APPLY THE 80/20 RULES Target Top 20% of clients Top 10% Top 20% . . . . . . Top 20% of our clients generate 80% of our AUM From 870 clients. Only 1st 180 clients about 21% contribute 80% of AUM The VITAL FEW VS Trivial many

Concentrate on the VITAL FEW This is the Pareto Principle U will wear 20% only in ur wardrobe Achieve MORE with LESS effort Analyse ur income stmt So many type of sales U cannot do everything. Concentrate Focus Dont waste time to convince the stubborm client Focus on the clients that arre CLEAR on the invmt objective Expectation vs Reality Concentrate on 20% in order to achieve more Not all clients are EQUAL important It is OK to prioritise PM also prioritise client MGE n MG Not all COMPLAINTS are IMPORTANT It is OK to transfer ur clients yg stubborn to other agent

Sometime blh firm dgn client Yg selalu bg masaalah Customer cannot go back and think Kalau man tanya wife. Gone case. Clients majority are MEN She join by accident Dulu semua belajar sendiri Tapi jual kat lelaki senang U cakap. Dia tgk u. Pastu siruh dia sign Dia sign je Punya senang buat bisnes ni. Categories ur clients based on revenue: 1% 4% 15% 80% So that we can give different type of service Focus on 20% of ur clients is a great deal easier than focussing on 100% Achieve More With Less Keep the essentials

Maintain clients that gives u consistent business even if ot is small One day they will grow BIG Focus on sales activities that work for u Roadshow Referrals BOP Focus on VITAL ignore the TRIVIAL Switchinh, technical analysis, market forecast, sending emails, sms, greetings are TRIVIAL NO SECRET TO INVESTING same fund, no switching BUT REGULAR INVESTMENT I allowed my clients to gain more than 100% by not advising them to sell Which client will complain with return like this Identify which type of ur custpmer belongs to AVOID CONFUSION Keep the presentation simple Update the clients with simple reports Avoid acting like fund manager You are not a fund manager Technical analysis U dont know When to buy When to sell

If u make mistake Client will angry Nurture ur pwn client MOULD to think long term Inherit client is dofficult to change their mindset Previous agent may practice buy and sell Develop Impact Definition of HNWI HIGH NETWORTH INDIVIDUALS LIQUID ASSETS (not tied to any assets) 100K TO 1 MILL - SUB HNWI 1 TO 5 MILL - HNWI 5 TO 30MILL - VERY HNWI ABOVE 30MILL ULTRA HNWI Cikgu Lim has only 1% je HNWI 25% SUB HNWI Her target is to make his 25% become HNWI WHAT DO HNWI WANT? HNW clients generally are more conservative They never ask for 1 mth 20% return The wealthy dont want to gamble The wealthy dont play money game The wealthy dont join MLM How much is too much? Soemtime UTC dare not ask the clients to top up

Ask to top up even though dag 5mill he invested with u Dont Underestimate ur client Most common question asked after presentation What is the MINIMUM to start investing? U answer 1000 My answer is rm150k. Aha.... U mention about insurance Ask ddi rm1000. Ddi is not insurance Boleh ubah Ask intial rm1k n ddi 1k UPSELLING Strategy used to ask same clients to invest more McD cross-sell Easier to sell to existing clients Becausw existing clients has put trust on u Target for upselling Existing EPF investor Reach 50 y.o Withdraw epf account 2

Go back to them. Ask them to invest with u. Tell them it is easier if u put in PM Ada online utk senang jual MG and MGE Wasiat Fee insurance Trust nomination Non-EPF investor They need a savings Ask them to start DDI High cost of living. Bank interest cannot cover. We live longer. Brush up skill for closing sales Dont try to sell ur client EVERYTHING! STAY FOCUS BE SPECIFIC STORY CHICKEN OR EAGLE? eagle eggs rolled down the mountain Hen volunteers The rest of the story. Dtg training

😄😄😄 .

.

. Are u chicken???? Or EAGLE.. I KNOW ALL CNNs here are EAGLES

5/6/2017

Suraidah on Corporate Sales 2016 Closed 50m in 2016 Since UTC dah close corporate 150m equity Bond n MM 300m Mula2 Su fikir Equity je Sebenarnya Bond bagus Su unur 38 thn 7 Steps of Pres Kerja bank 15 thn Lps spm terus kerja Maybank Byk buat retail n loan approvals Duduk branch Tukar dept for invmt X pernah involve dgn corporate Fund maybank x pernah masuk top 10 Tapi Su closed 50m utk maybank Maybank x de list pum blh jual

Public Mutual bg the best fund kenapa u all x buat Senang tak nak buat PM corporate sales What is preventing u How to close How to present Corporate sales perlu 2 benda je 1. Telephone - for call 2. Buku - for jote down Siapa yg btl2 baca prospectus Bankers n engineers nak ilmu penuh di dada baru keluar nak junpa orang Betul ke salah? Salah Jgn macam tu U got to see client Pagi jumpa client Lps zohor baca prospectus Org kutuk dia. Brp ramai utc yg berjaya x baca pun prospektus Su x kisah. Sbb itulah Su. Every single word dlm prospectus Su ingat Cth 5 years annual average return is 8%. Jgn letak 8% per year. TAK PAYAH TAKUT DGN PRESENTATION FOLLOW THIS 7 STEPS

CINCSAP Sama macam personal sales closing Tak de different Dah buat cold calling Kena angkat phone. Call Dapatkan prospect Go thru company dlm website Just call to meet the Person in Charge . Finance . Investment 70% closing is due to RAPPORT NO RAPPORT NO RIGHT TO SELL What is Rapport? Positive or close relationship between people that often involves mutual trust, understanding n attention Similar interests, values, knowledge or behaviour RAPPORT IS THE MOST IMPORTANT THING I MUST HAVE So ur challenge nak presmt ---- dah solve 1. RAPPORT Bg kad. Kadang2 I tarik balik. Sebab I nak tgk kliem tgk tak nama dia. Repeat ur name in front of client banyak kali Nak install into ur client sub-conscious mind En. ABU BAKAR My name is Suraidah Su dtg hari ini to provide the best invmt in Msia

Su sgt .... Su .... Su believe . Sampai board director tanya Su macamana ..... Kalau sebut I. Client ingat tak nama u. Bila present. Mesti guna nama u. Repeat client name. Look for thind in common The challeng is ONLY in ur MIND Masa close big corp client. Su baru UTC Su tanya upline. Macamana I nak dapat 100k income Senang gilerr U kena buat. RM3.5 je Bukan u UTC u x boleh close besar. The moment ur upline cakap senang gilerr je. It has installed dlm kepala I. First pres. X pandai. Print 100ms. Sampai client ckp tebal je. Maa kamus dewan. Kliem campak belakang Seminggu x tidur. Nak buat proposal

Kiien ckp Apa yg u nak propose Nak jumpa corporate client Tak boleh pakai jeans Kt mesti align Appearance mesti mcm corporate. Pakai 3-piece Kasut jgn berselepat dgn lumpur Mesti wangi Mesti gosok gigi Ada portable lotion n perfume Tak perlu dress mahal. Yg pemting kemas Masa Su start with PM. Gaji 0 7.30am dah kat saloon. Tak boleh pukul 10 baru nak bangun Copycat apa yg rm10mill producer buat 3 bln pertama. Dah qualify to challenge trip Kat saloon boleh buat cold calling Pakai earphone. So everywhere is ur opportunity Dlm rmh pun boleh buat. Kalau u discipline la. Follow ur success pattern Ada org ckp Budak tu close rm2juta. Atas katil je kak.

Jadik, itu orang. Ur successful pattern camana Su punya cold calling x pernah dpt rejection Sbb dia buat 10 call je. Tp dia buat quality call. At least 10 call 4 minggu depan 2 hari ni 4 minggu depan depan Dato' Ni Dato'. Ni Su. Yg jumpa u 2 minggu lepas In her mind. Mesti dapat. Client loves to see me Cliemt sure33 nak closed i Intonation mesti betul Cold calling is to meet up ur client Dato': U nak jumpa I sbb apa? Buat tone yg friendly Bila surau u garang. Dpt garang. Bila dpt garang. Dlm nak ending. Dato' kejaaaaaap

Kenapa? Esok I cal u balik Ok ok ok Esok mesti dia dah cool Thru phone u dah buat rapport I nak htr the best investment Kt x nak invest U ada FD Ada Oo ok Kat mana u letak FD Su x kan berhenti Ok Puan. Let us match Kami pun ada placement jugak Money market n Bond I x terus propose Step 2. Need Analysis Company I x blh buat invmt? Ada UTC balik je. Dig further Ok puan. U tak blh buat invmt. U ada buat placement tak Repo

U ada FD tak. Kalau client tanya Best 5 to 10 years However kalau market cantik. 3 tahun pun OK Boleh bagi Balance fund Pernah invest dlm FD Ada Ada repo. Ltk 3 to 4 days dpt profit Tulis dlm buku Brp lama pn invest dlm FD Kt uat 3 bulan 4 bulan kemudian buat roll over Kt blh buat FD setahun-setahun Ooo you buat roll over byk kali. Maksudnya 3 tahun la U buat research PnL dlm website Pn FD berapa return 1 mth simpan FD tak lebih 3.8% 60 mth baru ada 4% KPI puan berapa pn? 5% Macamana u nak achieve pn.? Sbb tu la I pening U kena bijak. Kena analyse apa client ckp

How can i help u puan U xkp u x blh buat invmt Any invmt perlu time to grow Try to educate client Install into their mind I nak tanya u I nak tanam pokok durian D24 benih durian paling baik I bg kat petani paling berjaya dlm Msia I nak u bg buah dlm masa 2bulan setengah U ada baja yg baik Logik tak? U cakap u no 1 Fund Manager PM no 1 in Asia Kalau invmt yg bagus Invmt need time to grow Fund manager yg teruk pun. Kalau u bg 5 thn. Mesti ada return What is the biggest challenge? Client tanya Su tanya balik dia Agent lari. Bukan biggest challenge. Sbb in PM kalau 5 thn. Agent lari pun. Fund tetap x naik The biggest challenge is: Risk in Prospectus? Bukan market risk. Sbb 5 thn insyaAllah naik Punca UTAMA adalah TIME

DATO' sebenarnya lah. I feel so sorry. U permah rugi in UT. Agree dulu Corporate sales x pernah pergi sendiri. Mesti ada team. 2 atau 3 orang. If 1 down. Ada lagi 2. Risiko ada di mana2. That is why Banks hire PIDM. Bank pun tahu ada risk. PIDM bayar RM250k utk ur 1mill I perlu MASA Dato'. 5 tahun SAHAJA. KENAPA WUJUDNYA PIDM Back in banks mind. Dia tahu ada RISKS Bukan kt condemn client Kt bg KNOWLEDGE Dato berjalan pun boleh terjatuh. Anytime ada risks. Apa yg I ckp risk ni. Risk yg I boleh control Since u tahu PM ni is int company no 1. Step 4. Promote Company We are focussing ONLY IN INVMT ONLY Our expertise is ... I am not the Fund Managers

Fund Managers keeja nak handle .... Dia focus on .... Yg jumpa klien ni ialah Arif ni Dato Handle client Arif Handle fund - Fund Managers Mr Lum Min Jang Biarlah Fund Managers lain jumpa klien I am going to deliver the right info to u Who is PM PM is no 1 49.6% Deliver with ENERGY FYI stand no 1 for more than 30 years Bkn presemtation yg STRESS BKN 1 TAHUN 30 THN Kalau 1 tahun. Itu coincidence Jgn stress masa corporate pres Before I start. I nak tunjuk siapa kita. Kalau u bak meminang Being no 1 is easy Being no 1 for 20 years is not easy Ia perlu team I pun dtg with the team

Kalau I x de. Ni ada 2 orang Dato. I dah close 300 klien. Tak kan i nak tarnish my own credemtials Dato' rasa company no 2 naik tak signboard. Kalau PM menang terbesar. Mcm Siti Norhaliza Sebut kalau ubat gigi. Org sebut .... Sebut unit trust. Org ingat apa... Company no 2 tak naik signboard tau Dato. Step 4a. Ur credentials n Achievement Arif Ismail Full-time UTC GAM with more than ... Arif also has experienced .... Arif received many awards Ada org masuk board mtg 2 kali. Kejap UT. Kejap Insurance. Kejap.... I full time UT. I tak buat kerja lain. Kalau menang sekali. Mungkin coincidence. Kalau menang berkali2 Step 4b. Financial News To support ur ideas Step 5. Provide Solution 1. Invmt portfolio

Equity/Bond/Money market Kalau instrument u FD. Macamana u nak capai ur KPi 5%. Ada yg 4.8% pun kena simpan 5 tahun Kt x boleh letak. Sbb board takut Board takut sbb dia belim ckp faham Invmt portfolia if u are looking for 5%. Boleh tak u tlg I. Bila yr board meeting pn. Board mtg lagi 2 bln. Su minta masuk dlm invmt board. Pn boleh tak masukkan sy dlm invmt board meeting Kt sendiri yg present. Jgn worry kena rapport dgn CFO. Bila masuk BoD mtg. jgn buat stress. minta info from CFO. Baru u buat slide based on their need i nal buat something suit to ur need i dah jumpa CFO. i dah buat homework. company are lloking for better return dapatkan small YES 7 kali now FD is giving 3%. Betulkan Dato FD kena tax kan Dato dapatkan small yes..

company ada duit banyak ni banyak ni u tak de invmt kan ada la. FD. OOOO. FD is not invmt. FD is placement dato. if let say u buat invmt brp target return u? klien mesti minta banyak Dato mintak 20% Alhamdulillah. it is good u mesti understand +- 20% is ur risk ada tak com you bagi 20% Kenapa ye Dato pastu Su gelak sbb u tsk permah buat invmt. sbb tu x dpt 20% High risk high return PM easily can give u 7% average return for 5 years i am really sure as u sure can give the fund to me client last year redeem 75m selepas 7 thn invest. client happy redeem. janji 5 thn. tp 7 thn. reseem 70j. 50juta dtg. CB tak effect pun.

Everyday boleh upgrade salary. increment daily. the best about PM Fund Recommendation match the client need jgn letak return tinggi sgt u combine fund and time Risk n Good Return. bgtau client tanam pokok cili esok berbuah tanam pokok durian 7 thn baru dpt still org suka tanam. sbb dpt return best when u invest in PM. we give u 3 capital gail dividend somwtime u dpt bonus free facilities MG MGE OD Step 6. Closing ask for the Order whatever comes from this invmt is tax exempted FD dapt 3% Tax 28%. less than 2.5% Semua u punya with BOLD body language

macamana u kata tu Dato tanya. ms 276. LHDN keluarkan surat ini. nanti dpt tax voucher mcm2 tools kt boleh bg klien. Tp kt x pakai the risk tolerance biar I take care. invmt u with the no 1 company and the no 1 agent my proposal is based on ur need 7% for 5 years kalau Dato nak banyak 10%. May be we must drag to 10 years 7. Referrals the free and easy way to get more customers parents company kena tahu cerita pokok durian sawit buat comparative explanation minta referrals from 1 university to another fro.1 suruhanjaya to 1 suruhanjaya Kebanyakan tak dpt referral sbb x mintak Bila lps meeting Dato. Boleh tak Dato letak nama2 kwn Dato.

Isi dlm form. Tan Sri Ghouse UM Propose 30m Dpt 50m approval from the board. All equities. 5.5% Get rm2mill commission. Masa tu UTC lagi. Buat in team. After 22 mths. Surprisingly. Every mth htr report. PnL format. Latest 7hb setiap bulan dpt invmt update. Based on total portfolio. Accountants basis 22 mths we manage to give 13% after charges. Get another rm25mill approval from parliment. It is ONLY u how to handle ur client 2010. Highest risk INDEX KLCI. I trust PM to handle Bila kliem tanya how tinggi boleh pergi How rendah bolh jatuh Jawapan. I x de kristal ball U must give me 5 years Kena present kat MoF Org MoF pun x tahu UT U kena master of ur product 3 jam bercerita pasal UT: 1. Capital Guarantee

2. Capital Preservation 3. UT Miss Yeoh n Mr Lum m Min Jang kena vett through Macam2 hickups I BELIEVE satu benda. BELIEVE IN UR PRODUCT MASTER UR PRODUCT Baca prospektus Rebus smpi masuk dlm hati Kenapa pentingnya buku dan telefon Kalau x tahu info. Google je. Kalau x blh jawab. Jgn jawab. Tai Chi. How sure market akan naik next year? Kenapa u tanya soalan ni kat I. What do u think Mr Client? Dia jawab..... Yes. I agree with u. However.... Back to the fundamental of UT 5 years Dont tey to manipulate ur client

Why u ask me about next year. U should ask me 5 years from now. Kt dah melepasi 2020 Kalau next year. I pun x sure How about ur Client Sometime client dah ada jawapan. Dia nak test u je. 2022. 2020 msia akan jd negara maju Tanm pokok mana boleh dpt hasil next year For the next 5 years. Wht u see for the next 5 years Tak nak tunjuk pandai sgt. Tak nak bawah. Kena side-by-side I agree with u. How to Tai chi client Answer with questions ================== Question from Mazlin Jumpa klien. CFO kata dia x boleh UT Tanya dia balik kenapa x blh invest CFO kata tak boleh invest yg ada NAV. Minta jugak masuk dlm board UT adalah moderate invmt compared dgn shares Bond n Income fund dlm NAV kenapa?

Sebab kt beli pelbagai counter Kena educate sikit Kenapa bila ada harga NAV tak boleh beli? Spekulasi Harga turun naik terlalu cepat Itu x boleh pukul rata utk semua instrument Money market - x dw risk. Tp still ada NAV Sbb kt beli pelbagai mobey market Sebenarnya minta masuk dlm BoD. Utk explain. Tak per.ah org gelak dlm BoD mtg Mintak dgn CFO masuk jugak Board sbb I nak educate sikit Question from Adi 1. Pernah tak klien mintak under table. Personal pun kt bagi 2. How do u handle under table request U are ur energy. Rm50m from UM Tak involve. Sbb diaorang intellectual Letak semua charges Tak semua dpt kat I.

Kt charge u one time Kalau u simpan dgn I 10 thn 1 thn less than 1% Can u ammortise for 5 years. 1% Bukan semua dpt kat I Separuh dpt kat company Company ke 2. Kt nak release fund. Tp ada masalah sikit. Kalau u nak. Kt x practise benda ni. I boleh bagi. Tp i kena buat letter. We can tarik 1% from my commission. But I give back to yhe company. As a staff remuneration program. To Kelab Sukan. Utk I tak boleh. Intonation dah kena firm. Deal dgn female biasanya straight forward Jujur. Kalau dgn male. .... Company 2016 Minta diskaun Boleh Mesti bg I more than 30mill

Kalau I bg diskaun. I tarnish UT industry PM mgmt says if u want to give discount. Must discuss with mgmt. Brp amount, I need to discuss with PM mgmt. Ada klien minta 2.5% Apa nak makan 1.5% mesti masuk mgmt Under table. Yg besar2 biasanya tak de. Normallay tak layan yg hanky panky Client remain with me dah 5 years Byk client repeat. Corporate repeat. Q3. Klien nak 3 years Portfolio allocation 50:50 Bg time frame. Bond:Equity 1%:5.5% 6.5%/2 = 3.25% Client boleh dpt more than 3.25% in 3 years THOUGHT FEELING ACTIONS RESULTS

PROSPECTING with TFAR Semua client satu jalan je. Masa nak balik kg. First start with THOUGHT I nak jadi 10m Producer Since UTC It is all about Tahun lps income Su Modal RM265 Pastu dtg training. Invest in time utk u berjaya. Tak dtg training. Tak de masa. Question by Meor CFO kata PM tak listed dlm BN punya list How to counter? BN tak appear dlm BN. Kt mmg x masuk Kt adalah wholly-owned by PB. Cth manulife ada bank mana Tak de PM memang x de. Semua bank memang x de investment. Maybank akan ada Banca Assurance CIMB - cwa Bank memang x kan ada invmt

Bank focus on bank Cheque memang akan nama dia PM Pergi balik MoF Present kan. Tanya dia balik Kalau x listing x boleh invest ke? Sampai bila2 PM takkan masuk dlm BN sbb kt investment arm Question from... Buat corporate ni Bukan 1 time Mula2 jumpa CFO Utl pengenalan. Tak bawa proposal. Tp masa dlm phone. Ckp nak bagi propsoal Proposal verbally je. Cerita background Jumpa 1st time. Gather info Nanti masuk board baru buat full presentation Questions... liquiduty concerns PB CashPlus Su pernah closed 359juta. Money market. Dpt 0.25%. 900k commission

3 bulan keluar masuk. Su buat 2012. Now buat fund tu dah x de commission 300juta. CB je. Commiasion x de pun x pa. CB dapat bulan ke 6. Money market fund Fb Chanpion Legacy Superstar 10million is EASY 10MILLION IS EASY 10MILLION IS EASY EASY EASY THE END 10AM TO 1PM High Energy 2. Fund Recommendation

5/5/2017

Tip No 1 Utk Dapat RM6,149 1. Dream Big n Write it Down 2. Yakin Boleh 3. Follow ur Action Plan Daily. Banyakkan Money Making Activity 4. Repeat je

5/3/2017

Tips Utk Buat Poster Sepantas Kilat When U Become a Leader Do it in Powerpoint Same Template Change the background colour je

And of course the Producer Cuba check siapa yg asik Ngetop je dari Jan sampai Apr Pastu belajar dari mereka

5/3/2017 And this is my Tip. May be applicable to u too. 1. Always with SMILE yg ikhlas 2. Buangkan ingatan nak duit je 3. But at the same time NIAT nak close. Bukan educate je 4. Start with POGO . About Personal (dress, weather, sports, anak2) . About his Organisation (rank dia) . About his Goal (kadang2) . About his Obstacle (jarang i buat) 5. Then baru bab UT Yg penting is the CONNECTIVITY between lesiure n bisnes Cerita u ada simpan epf kan . . . Cerita anak bongsu u umur berapa - for edu plan Paling penting dah hantar aura hadiah pada mereka sebelum jumpa Minima hadiahkn surah Al Ikhlas 3 kali. Baca dan niatkan kpd mereka2 yg nak jumpa. Sebut nama2 mrk Ngadu dgn Allah Sy x pandai. Tunjukkan lah sya Rabbi yasir wa la tuassir Pasti doa nabi musa

5/2/2017 Brainstorming 2 May 2017

Deals with Demanding Client Your job is to make them keep coming to u

U are the front liner Apakah tindakan yg pru diambil: 1. Lead by example . Equip urself with good listening skills . Set the client expectations at the beginning before their initial invmt . Give appropriate advise . Show our dedication Every good conversation starts with good listening Kt nak hubungan berpanjangan Jgn ingatan dok kira komisen Jgn tanya soalan yg sama. Yg dah pernah tanya 2. Clients are much more demanding due to the availability of information . Ada klien yg nak report setiap bulan. Sbb dia nak perhatian . Kalau kt x layan klien. Kt akan hilang dia . Klien terlebih pandai. Maka UTC kena keep abreast with knowledge. Attend relevant training dan read a lot . Let the client perceive u as knowledgable . Apa yg klien nak. Kt kena faham. Dan bagi what clients want Jika tidak. Klien makin kureng la Psychology of Customers . Needs . Wants . Demand 3. Encourage demanding clients to express their views n concerns on UT invmt

. Focus on managing their concern n expectation to help them achieve their financial goal . Maintain a positive mindset. Kalau down. Minta advuse from upline. . Keep abreast with knowledge . Jika client dah puashati dgn kt. Kt boleh upsell. Dia trust. Minta referral Suruh client luahkan perasaan dia 4. Set the expectation right with demanding clients . Do not overpromise. Mcm dpt 20% annually. Fikir jangka panjang. Kt nak close masa tu je. Pastu klien chow bila x tepati janji . Make sure that u can deliver everything that has been agreed . Jgn tiru sign dan submit utk switching, jual dll. Mesti dpt kebenaran dari klien. Sbb HQ akan call klien "Betul ke u nak jual. PM received ur application utk jual" Kalau klien tak tau. Then u are in trouble. Just before u redeem/switch for ur client. Musti inform them Bagi value-added service. Walaupun kadang2 x berkaitan. Cth paling ekstreme ialah siram pokok bunga Nanti client akn trust u. Always keep abreast. Just 10% more dari org lain dah cukup nampak u pandai Dpt article yg best. Broadcast list to ur client. Make promise u can keep Or do not promise 5. Project confidence n patience in what u share to ur potential clients. . Explain spy klien senang faham . Firm apa yg kt present . Wujudkan mutual understanding . Kt mesti bg vision kat client utk jadi Mutual Gold

Video: Angry customer to happy customer under 5 minutes A proven technique Understand customer psychology When they angry a part of their brain shut How to DIFFUSE their anger Show empathy while listening Solution . . . SMILE . . . Kena datang training Wan Suzana sharing how to handle demanding clients . Tak ramai yg difficult client . Sbb ramai referrals n friends . Relationship with clients are strong . Klien know her work quality masa kerja dulu. Guna presentation XPLOSIVE Ambil masa 2 to 3 mins utk lekatkan minda pasal UT utk mereka Objective invest in PM utk GEMUKKAN EPF mereka Toyah sharing: . Law of Attraction plays a role jugak . Dah ramai agen dah approach client tu. . Ada banyak masaalah. IC reject. SA reject. . Ada 2 options. Keep hunting the client.

Farah Wrap-up Highlight on Listening Skills Agree Mirroring Kalau i jadi u. I pun marah And I nak tanya 1 soalan U ada buat diversification tak utk setiap 3 bulan Client: apa tu? Then u jawab RCA Ok. Sekarang I ada. I boleh tlg u utk buat tu Jgn gaduh dgn client New client Pastikan ada diversification Local n regional fund 3 IMPORTANT THINGS TO REMIND UR CLIENTS TPD T - TRUST ur agent, produk P - PATIENCE D - DISCIPLINE (klien kena disiplin utk invest) bagitau bab wasiat Dont blame klien but always throw back to client U need to know ur financial plan. Sampai pencen PB Trustee boleh buat hibah. Dgn syarat property yg dah x de hutang Call financial planning

Hibah dr isteri kpd suami. Tak boleh batalkan Ayah kpd anak. Boleh batalkan Mak kpd anak boleh batalkan Anak kepada parents tak boleh batalkan Farah komen on wasiat n faraid Isteri dah dpt 50% harta sepencarian Balance 50% baru ikut faraid Bapa dan mak dpt 1/6 Isteri dpt 1/8 Even though u or ur husband tak specify 50% mata pencarian. U can still fight for ur right up to 50% Utk exercise wasiat. Klien kena bayar minima rm3k to get the things started Dan akn kena bayar RM1mill pertama 1% The remaining miliion bayar 0.5% Trust nomination is automatically under hibah EPF nomination is only for pemegang amanah Mutual Gold covers only PA. Cth ada kes denggi. Tapi cause dia adalah accident Heart attack due to accident. Dpt PA. Any amendment of Wasiat Klien pay between rm50 to rm100 plus GST Bln Apr dah habis. HOW FAR ARE U FROM MOSCOW?

MELBOURNE? 4/25/2017

CNN Brainstorming 25 Apr 2017 Juliana

Rapport Building ============= What is Rapport? . Is a fundamental sales technique . To build relationships with others quickly . To gain trust n confidence . Powerful tool to close more deals with LESS EFFORT Why Rapport is Important? . Abiity to relate to others in a way that create a level of trust n undertanding . It will get their unconscious mind to accept n begin to process ur suggestion 7 Ways to Build Rapport in Sales n Connect woth People 1. Be genuine Kena nampak that u are sincere Jgn over impress . Be yourself 2. Warm n friendly Smile. Fir. Handshake 3. Show Interest The more genuinely interested u appear the more relaxed n willing they will be in sharing their dersire fears n issues Cth "Wah... besarnya ofis u" 4. Dont Seem too Needy Htr update not inly bila nak dpt thumb print.

Keep them updated on relevant material 5. Give genuine compliments Klien naik pgkt. Dapat Datukship Puji diaorang Script proven to get client "I am suppose to interview 3 successful people I hv an assignment 1. Interview 2. Kena buat presentation utk u dgr Buat survey form before u start interview. 6. Calibrate the rapport to just right U must know when to stop. Rapport sikit je. Jgn panjang sgt Do ur best to read the other person n find the right amount of rapport focused conversation RAPPORT EXERCISE Era n Wati A friend introduce Wati (VP customer svc) to Era. Jumpa kat ofis klien Greeting. Dah berapa lama kerja sini Ok tak kerja sini I dulu pun kerja ... Tunjuk testimony if necessary especially when u are new. Boleh juga tunjuk ur achievement in industry.

Rapport x perlu panjang. Farah ===== Last submission for NSC 28 May 2017 before 2pm But submit for commission is latest tomorrow before 2pm. NSC trip briefing Cheras is on Friday Bangsar is today Kejar NSC points Kejar new client punya extra NSC points Brainstorming diteruskan spt biasa Market dah mantap Dapatkan single thumb print RM460k mcm Marissa Sales Tracking Arif 290k Nazri 120k Aslam 40k Ju 130k Wati 0 Era 271k Tina 101k Farah 480k Brainstorming next week is ON as usual Happy Selling dan kejar month end NSC bonus n additional points

4/20/2017

Tips utk cpt buat report. For mac user. Use shift-ctrl-cmd button for screenshot For windows user. Use snipping tool for screenshot

Then u use web.whatsapp (must hv app) Attach it from ur pc to web.whatsapp

4/20/2017

Client nak pergi umrah. Minta summary of investment utk inform anak2 just in case anything happen Attached is the sample. Boleh la provides good service. Cuba buat terbaik utk klien. We help them. InsyaAllah Allah will help us

4/19/2017

Malam ni I will be updating notes on Handling Objection

Boleh ke kengkawan sekalian listkan objection yg biasa dapat kat bawah ni, Nanti sy

cuba jawabkan 1. I dont trust unit trust! 2. Tk untung, asik topup je tp statement negatif. 3. Masuk ASB la duit senang keluar senang masuk. Return pun tinggi! 4. Ada servis charge. Tinggi plak tu. kalau simpan kat asb/TH or kwsp tak yah byr charge. Return pun tunggi. 5. Saya dah tahu semua pasal unit trust , so saya tak mahu. 6. Unit trust x de bagi pulangan yg mcm diceritakan 7. Tkut la, unit trust ni mcm skim cpt kaya 8. Blh jamin ke patuh syariah? 9. Kami takut terjerat kedalam #NerakaWang je. 10. CWA, Eastpring, PMB return lagi tinggi. 11. Tak da duit nak invest. Kalu invest pun tak gerenti untung. 12. Duit epf sy ciput je. Sayang kalau loss aje tiap thn mcm org byk ckp. 13. Ramai org bgtahu sy skrg not right time nk invest. Economic not good. 14. Bagitau sy mana fund u yg boleh bagi return 200% kurang dari 3 tahun mcm manulife? manulife the best..i tak akan tukar..pernah masuk dlu public mutual.rugi je. 15. Kalau saya invest, kamu dapat komisyen dari duit saya lah kan? 16. Saya invest kat Saham dpt 10% SEBULAN... invest kat Unit Trust dpt 10 SETAHAUN 17. Return far too low ..x spt yg di beritahu 18. Dh buat dh dgn CWA dh lama dh. Biar la xpayah tukar. 19.ejen dah hilang.... � 20. Baik beli hartanah dan emas daripada masuk unit amanah. Sambung ya....

4/19/2017

Present dari hati ya. Buat yg terbaik dan ikhlas. Intonasi suara anda dan konfiden tu yg penting. Bersama2 dengan memek muka, pergerakan tangan dan geleng2 kepala. InsyaAllah. You too can close RM800k/m Guna 4 Steps Presentation file

4/18/2017

Summary Brainstorming Cheras 19 Apr 2017 Jehan & Farah Smile Confident Nada kena very affirmative Tone yg very authoritative Guna tangan sekali Jalan kena tegak The way u carry urself. Kena confident

The way u cakap Tip buat cold calling Mula2. Berdiri. Before jumpa klien. Aku confident Aku akn close sales Prepare for rejection x blh. Jgn self-sabotaging Bila dah at the end. X close. Baru u redha. U must prepare habis2an dulu. U cannot have the mind like "Tak pe la aku x close hari ni" In sales x boleh ada TAPI TAK BOLEH ADA TAPI TAPI ADALAH EXCUSE UTK U X BOLEH MAJU KE DEPAN Play Game Tick Tack Toe Lesson learnt: Senang Tapi nak menang kena ada strategi The challenges u face in life Suppose will make u stronger Apa yg make u HIGHS n LOWS Face Ur FEARS

SKYDIVING peraaan sebelum Perasaan selepas If u didnt do it. U will lose the experience Compare bila u dapat cheque RM1mill Sebelum dpt Masa dpt Perasaan tu macamana Which sales process do agent struggle with most? 42% prospecting 22% qualifying 36% closing Sales contact 2% of sales are made on forst contact 3% of sales are made on 2nd contact 5% - 3rd contact 10% - 4th contact 80% of sales made on 5th to 12th contact It means u cannot give up halfway Persistency 80:20 rules Keep on going The bulk of sales are on 5th to 12th contact

The more people u call The more client u get There is no excuse. Phone package yg RM80 for unlimited call. Whatsapp. Senua dah free Statistics on FOLLOW UP 48% never follow up 25% make a second contact 12% make more than 3 contacts Commit utk sampai 3 contacts Without commitment U will never start If things are easy There is no elly No azizah Kalau senang semua org buat unit trust Once dah ada system in place. Baru senang. Lagi susah u nak dpt benda tu lagi susah u nak hilang Without consistency U will never finish

4/18/2017

Summary Brainstorming Cheras 19 Apr 2017 Jehan & Farah Smile Confident Nada kena very affirmative Tone yg very authoritative Guna tangan sekali

Jalan kena tegak The way u carry urself. Kena confident The way u cakap Tip buat cold calling Mula2. Berdiri. Before jumpa klien. Aku confident Aku akn close sales Prepare for rejection x blh. Jgn self-sabotaging Bila dah at the end. X close. Baru u redha. U must prepare habis2an dulu. U cannot have the mind like "Tak pe la aku x close hari ni" In sales x boleh ada TAPI TAK BOLEH ADA TAPI TAPI ADALAH EXCUSE UTK U X BOLEH MAJU KE DEPAN Play Game Tick Tack Toe Lesson learnt: Senang Tapi nak menang kena ada strategi The challenges u face in life Suppose will make u stronger Apa yg make u HIGHS n LOWS

Face Ur FEARS SKYDIVING peraaan sebelum Perasaan selepas If u didnt do it. U will lose the experience Compare bila u dapat cheque RM1mill Sebelum dpt Masa dpt Perasaan tu macamana Which sales process do agent struggle with most? 42% prospecting 22% qualifying 36% closing Sales contact 2% of sales are made on forst contact 3% of sales are made on 2nd contact 5% - 3rd contact 10% - 4th contact 80% of sales made on 5th to 12th contact It means u cannot give up halfway Persistency 80:20 rules Keep on going

The bulk of sales are on 5th to 12th contact The more people u call The more client u get There is no excuse. Phone package yg RM80 for unlimited call. Whatsapp. Senua dah free Statistics on FOLLOW UP 48% never follow up 25% make a second contact 12% make more than 3 contacts Commit utk sampai 3 contacts Without commitment U will never start If things are easy There is no elly No azizah Kalau senang semua org buat unit trust Once dah ada system in place. Baru senang. Lagi susah u nak dpt benda tu lagi susah u nak hilang Without consistency U will never finish

4/11/2017

#Sunmary Brainstorming 11 Apr 2017# Energizer Game Sharing by Wan Suzana: Human Element vs Technical Element

. Client expect u are resourceful . Banyak topik yg related to financial dia akn minta ur views . U must at leat know the topics . Come to training Managing Customer Expectation . Upon completion of sales - inform investors abt our contact details PM branch address Customer Svc Website . Within 3 months from first invmt Introduce to investor other products n svc i.e MG, trust nomination, takaful Regula servicing . Contact investor at least twice a year to update n do portfolio balancing Sustaining Loyalty . Service is 2 way street . If u want customer keep coming back to u. Then provide excellent to them . Cth kedai makan mana yg u suka. Kena ada close relationship. So that not only they come back to u but they will referred to their friends Get CoI among ur client. So that he/she become ur marketing arm HOW TO PRESENT USING INCOME X Video recorded by SM Farah's TIME Master Chef Video Australia Blind Chef Christine Ha

Stop Doubting Urself Be Bold Lesson learnt U know urself U are not blind Christine buat je. Sampai boleh menang Master Chef Allah dah bagi kat u Guna Kalau u tak dpt income yg u nak Bkn salah sesiapa Salah sendiri Inflation increase every year Ur income pun mesti increase U hv been telling people to save money. How much do u save Those yg x de EPF. Simapn minima 38% Ur expenses shud come from PS Ur retirement plan shud be on CB. Save ur CB instead of using it Focus on ur STRENGTH Exercise Write down top 10 of ur clients Yg senang yg banyak

Then tgk majority of the.. Where they are coming from. Samada from . Warm . Old friends . Tm . Cold call So u dah tahu ur STRENGTH FOCUS ON YOUR STRENGTH however u must know other parts of MMA But u know ur strength kat mana. Itulah lubuk u. Dan buat betul3. Sampai qualify Moscow. Sampai jadi top. Sampai jadi best consultant. On ur STRENGTH Focus ur Strength Gilap gradually ur weaknessed Fast money is coming from ir strength ========================= Borang EPF 9N akan tukar ========================= Jgn ambil klien org. 7 mill people di Klang Valley Agen paling ramai kat kl pun dlm 20k Kecuali klien tu dah lama x servis Nanti u kena balik. Kalau jumpa klien. Tanya dulu u ada agen ka Kalau ada. Tanya nama agen. Kalau dia ckp nama agen.

Cakap bagus. Tahniah. Bila kt minta update sales. Sila respond Out of respect to the group. Bukan to the GAMs Bila team buat event. Kena support. ====================== Sales Tracking

4/5/2017 Ni saja tulis dpn client. Lain verbally building rapport. Muka en ahmad macam familiar la. Ada jumpa sebelum ni ke. Cuba guna skrip ni jumpa klien anda hari ni

4/5/2017

Tip b4 meeting client. Salam Tn .... Arif sini dari Public Mutual. Ada staff sy dah set meeting dengan tn. Dalam 11.30am sy sampai ofis tn. Terima kasih

4/3/2017

Summary ME Training 3 Apr 2017 Kak May Client MG meninggal @ 39 Sempat buat takaful Cuma x senpat buat wasiat Nini: Closed 20k cash Terclosed. Sharing je.

PRS. Sharing di IKM Kelate. Dpt 10 new investors Rino: Last month sales. Exist' client yg dah rm1mill Client mmg baik. Sampai x sampai hati nak amik lagi. Letak mindset nak customer yg senang dan baik Collected 56k. Main Speaker: Zanita Join 2008 Pernah buat MLM Masa nak rekrut org buat MLM Dia kata u can make 20k in 3 to 5 years Then org yg dgr tu kata. Yang. Why take 3 years. We can do it 3 months. Lost her son. Depression for 2 months. Husband challenged her to become AM Dtg training utk hilangkan depression The Art of Servicing Client 1. Perspective of a Client. . To feel important . To be respected . To feel appreciated. Anniversary. Birthday. Kematian. Show them u are there for them . Agent yg committed

. To be heard. We hv to listen more

. Innovation

. Emphatise (put in ur client shoes)

. What is it for him. The benefit for him instead of our commision BUILDING YOU Product Knowledge . Training . Financial reads (The Edge, Personal Money) . External seminar like Dr Lawrence . Using tools . Using training experts yg boleh coach u sampai jadi GAM BUILDING YOU APPEARANCE N GROOMING Dress Code Kuku bersih Smile High Energy Perfume Caring Motivate ur clients STANDARD PERFORMANCE . Answer client within 24 hours . Deliver ur promise . Keep client records updated . Sebelum jumpa client. Kena ada client profile detail - nama, ic no, birth date, designation, company, contact no In order for me to service u financially. Can u provide me the detail so that i can do financial planning for u. Anniversary No of child Existing invmt Asb Th Stock market Property FD Gold

Epf Others (Kt diagnose financial health) Date Transaction & Remarks 1 jan 2017 EPF next invmt bila. Ur proposal? Study dulu sblm jumpa klien for next visit Agents must be Ethical Jgn guna jargon Explain RCA. Ramai yg x faham Apply the LAST approach . LISTEN . APPROACH (use verbal taichi) . SOLVE . THANKS ========================= SUPPORT SYSTEM Company Branch Team Family - that understand ur business Video Smile Enthusiasm Show that u enjoy u servicing them Caring Respect Positive Environment Discover the best in others The craving to be appreciated Service always start with a SMILE

Video 2 Tailor our product to customer Passionate about servicing customer Sharing by Ijoi Guna google drive Save file and share it to client. Pdf file from cams Benefits. It saves dlm cloud not device Sharing by GAM RAIMY Terharu bila dpt jadi GAM Once jadi AM kena ada GS RM400k sebulan Apa u buat bila ur upline suruh? I nak u close rm2mill Bos kata u kena ada 30 client baru buat full time Tapi belum ckp target dah berhenti Semangat membara. Tukar kereta masa AM lagi Wrap up by GAM Sahar Thanks MC Zanariah N Speaker Zanita Repeat sales in UT is very quick Every month. Every quarter Ddi Gam Palany ada rm240k plus plus. So in a year dpt more than 2.5mill

Gam Marzaida dll Never too late Because everybody need to save money Tanamkan pasal savings dulu Q1 already gone. To identify samada kt can qualify to Moscow Melbourne Chiang Mai Masa berlalu begitu pantas Last 3 weeks. Market rebounce Happy to help people to Save money Make money Update client regularly Jgn jumpa client. After sometime. U tak kenal dia. Take care ur client UT busines tak la senang. Tapi memang paling senang. Bandingkan dgn org meniaga restoran 4pg dah kena masak 1am tidur Before 5am bangun nak masak nasi lemak Wonderful of UT BISNES. 10 baru jumpa client 4.30ptg dah balik. We do the reverse 18 Apr 2017 GBOS

The End

3/31/2017

Tip persediaan nak closed 6 orang serentak: 1. Bawa borang byk2 utk 6 org 2. Pen dan thumb print pad pun banyak 3. Explain 3 concepts masa semua ada serentak. 4. Bila suruh diaorang print epf stmt. U get ready the forms for each of them 5. While they sign n thumb.... u snap the IC. 6. Use CamScanner to make it sharply rectangle 7. Say thank u to all. And say I will send u all report every 3 months. Nanti whatsapp me ur email add.

3/30/2017

Summary UT for Beginners Vol 2 Putrajaya 29-Mar-2017 Questions Raised ============== 1. How to close CASH invmt? by Nizam 2. How to do presentation in front of client? by Wan Zainab =============================================== Topics Basic Job if UTC 1. Prospecting 2. Presentation 3. Closing 1. Prospecting 90% business fail because of... lack of prospecting Script? As discussed in Tips from Whatsapp.pdf shared dulu In addition to that When u want to set appointment. Guna psychology DISC. (Google DISC for detail)

Majority of us are in S quadrant. Maksudnya susah nak buat keputusan. Kena ada pusher. Thus use this script "Can I meet u 2pm today or 5pm today at ur office" This will help client make decision Script for prospecting is basically the same regardless whether: Cold Call FTF Booth Redah * Ijoi shares semalam teknik prospecting dan presentation guna WASIAT. AWESOME & different technique. Especiallay to close BIGGGG cash 2. Presentation Role Play Nizam as an agent and Asri as a prospect Use the same technique as shown on video lakonan Tahir and Rudi. U can search the video posted here in the whatsapp group. Save it. Play it. Acting on it. Again n again. Sampai jadi darah daging Dah tak de aaa... eeeeee. Fluent macam air. 10 mins kaotim to present in front of client Comparison is important 3. Closing Guna skrip ni "Jika En Asri diberi pilihan. En Asri nak RM57k ke RM108k" Mestila RM108k "En Asri sign sini" Tunggu jangan gelojoh. Thumb print sini

Sementara En Asri thumb print. Bagi ur IC saya nak photostat. ***Skrip penting. Lagi penting ialah rapport atau connection dengan prospek No rapport no right to sell How to build rapport? Puji dia yang orang lain tak pernah puji? uncommon compliment Contoh. Tudung duck scarf ni cantik sangat dengan pn. Bukan cakap "Pn ni cantik la hari ni" wlauapun itu pun dah OK mau kasik up Ada mcam2 cara nak build rapport Semalam. sy jumpa klien wanita. Bunyi kecek Kelate. Kawe pun tanya dio. Kelate kot mano. Pasir Mas. Oooo Pasir Mas diaorang cakap ramai wanita2 cantik. Betul ke camtu la lebih kurang ye. Topik Bonus 4. Handling Objection Guna Verbal Taichi 1. Align 2. Re-direct Prospect: I tak caya la unit trust ni? U: wa.... En Ahmad. Betul la. 95% klien saya semua cakap macam ni. Tak percaya unit trust P: ye ke U: Mungkin mereka belum faham 3 Konsep UT yang penting 1. Long term 2. RCA 3. Exit Bila mereka tahu tu. Mereka semua buat simpanan dengan saya Jadi the keyword sini ialah 1. Setuju dengan dia 2. Guna word MUNGKIN. Jangan sekali-kali guna TAPI

Cuba kes yang ini P: Market teruk la sekarang. I tak nak continue@## U: tolong sambung jawapan ya ONE MORE THING... Teknik menjual wasiat and hibah sangat penting untuk membezakan u dengan lain2 UTC yg biasa2. Dan membolehkan u close BIG CASH. Participants yg datang semalam, boleh share kat sini ye. Kak As, Wan Zainab, Anas, Nizam [13:11, 3/30/2017] myunittrust: Cash Presentation? Retirement Edu Haji Guna fin calculator app Tips: use more emotion. Ask respond from prospect

[13:45, 3/30/2017] Adi Caliph: Tq big bos THA 👌🏼👌🏼👍🏼 3/30/2017

Jumpa 1 client ni 1jam 15 minit. Mula2 kata I sibuk. Banyak dia nak tahu

Tip Rapport. Tanya kampung u Kelate ke... Org Kuala Trg Cakap anak sy pun kat sana. Baru ada klik. Anak dia 4 org Brp lelaki n pompuan Nak suruh buat wasiat la dlm kepala ni. Husband keje mana. Pastu cerita nak wasiat freee Adv buat dgn PM compared to ARB

Hibah free Masa exercise nanti pun dapat save minima 25k Pastu cerita regional fund Pastu sign Pastu cerita family. Kadang2 kt kena layan klien. I dh nak balik. Dia nk borak lagi ni. So asar nak dekat. Get an excuse. Tip tersembunyi. Only geng2 kita je. Dlm perjalanan dr rmh tadi. I hadiahkan dia surah rahsia. Tu la dia nak ckp lama dgn sy. Sebenarnya baca al ikhlas 3 kali dan hadiahkan dia pun dah good enuf. Happy Sedeqah Surah Kpd Klien Alami Perasaan Yg Berbeza Kalau isteri atau suami marah. Cuba sedeqahkan surah ye Nak2 mlm jumaat ni ���

3/30/2017

[23:47, 3/30/2017] Adi Caliph: Sharing by Mohd Sukri Omar SAL Agency Mtg 30/3/17 I'm a harvesting my fruits today bcoz I planted my seeds 2 years ago! Sukri already started recruiting since UTC Bamboo Tree video Question : How long a Giant bamboo takes time to grow tall as a building? 1st yr to 5th yr only siram n letak baja. Only after 5th year the bamboo tree shoots to sky, after that every 6 weeks grows 90 feet Growth take patience n perseverance

Decide now act now! Recruit must have patience We first must work hard n we first must do our best Unit trust biz is the best Y recruit ? Overriding comm Grp cb Grp yr end bonus Breakaway n perpetual bonus Gam performance bonus Gam retreat Our individual performance will one day drop - grp is important. AM - 70% focus on recruitment, 30% focus on personal sales Different age different tips to pancing to recruit If u want to go faster u can go alone, If u want to go longest u need team.. This biz is flexible Target utk jd DL/agent 1. Kalau stp 5k tukar tune propose jd agent/DL 2. Buka cams2, cari clients yg prasan kita punya transformation, in terms of income, life... - propose jd agent 3. Cari clients yg still at same position kt tmpt kerja dia - propose jd agent 4. Cari yg not happy with current job , no bonus no increment, work pressure/stress - propose jd agent 5. Cari someone looking fr biz - propose jd agent 6. Cerita psl kita yg kerja with flexible time How to recruit 1. Share future - share GAM or other UTC success story 2. Hot button - xtra income part time 3. Share y we join this biz 4. Share how to start this biz - Byr rm265 , ada exam n bgtau pd prospect DL - yg best nya dh siap ada soalan bocor n dh

ada jwpn, just hafal shj InsyaAllah pass exam... 😉 Gen Y - Apa yg suka - nk beli kereta, motor/bikes.. Cepat dpt duit, senang nk buat duit...

Baby boomers - uncle2 yg nk relax2 nk pi holiday je, golf je or santai je - pancing dgn time freedom in UT biz Gen X - pancing dgn flexibility of time, boleh ambik/antar anak ke skolah... Masuk kerja lambat tp boleh balik awal - UT biz Mesti build team - semangat lain mcm bila ada team Video - All Black Hakka Dance b4 rugby match - menaikkan semangat Believe in urself Focus on recruitment Utk jd GAM musti mau bran join MBA program

Sekian, Tq ✌🏼😊 3/28/2017

Summary by Farah Income - expemses - disposables = Savings Put aside for ur kids edu fund Live below our means Have ir retirement plan. In utc case. Ur CB is ur retirement plan Track ur sales every day. Cukup tak nak pergi moscow Yg nak pergi trip Susun kerja sebelum cuti.

Bila nak jadik GAM. Spesifik date The purpose of u buat UT. Nak income or nak trip Trip is a bonus U must be sincere to urself Jgn simpan sales

[15:55, 3/28/2017] Adi Caliph: Tq big boss THA 👌🏼👌🏼👍🏼👍🏼👍🏼 3/28/2017

Puteri Asfaradeba Sharing Summary Resign 24 hours X tau kena ada exam Dl Azlinda Smart Charisma Resources Collected rm275k cash... Masuk exam mesti nak pass The biggest cheque pernah terima So excited Terlepas train sampai ke Nilai Last drawn salary rm10k Tp resign Join masa umur 41 Kejut hb 3pagi Nak resign Hb kata apa ni. Nanti la

I ckp i nak resign 24 hours Baru dia bangun dgn segar Very weak in calculation Hafal je Htr surat resign Esok pagi htr. Bos tanya berpaa they offer u ZERO Bos challenge I Give me 3 mths Join apr Oct qualify challenge trips by Oct She over qualified Keluar dr Elly keluar sejak AS. Sbb dipulaukan Thats make me strong Aku akan buktikan Aku akan dpt fast track Join Linda I nak jadi mcm u Linda kata u boleh nak bawa sampan kereta jet. Ikut you.

1 year commit dtg class 3 kali seminggu Elly believe in training Dgn training 3 kali seminggu pun kt qualified for challenge trip Surrounding dgn org yg positive. Kena reject bagitau hb. Tu la kenapa kau berhenti. Kalau pergi klas. Semua yg dtg ada challenge yg sama. Mereka faham Exercise Tulis bila u join PM 1 Nov 2005 Bila nak jadi GAM Ur mindset n ur vision mesti clear Mula2 join dah tanya. Macamana nak jadi mcm u (her GAM) PUTRI promoted July 2013 Bib plan to be GAM 31 DEC 2018 ITS ALL BEGIN FROM U What is ur THOUGHT Dont say it as a CHALLENGE ALLAH yg izinkan Part timer pun boleh closed 10mill U nak remain or sustain in business kena ada COURAGE Ada determination

What os ur GOAL Bukan Vision Board yg paling cantik Tapi dah tak de lagi. Where is SHE now Yg join in 2009 with her. 20% je tinggal U kena promote cepat Kalau u dah GAM tak de isu Bib. 21 mths to go 1 Jan 2019 kalau x nak naik GAM kena demote jadi AS sbb CM... Kena ada FEAR baru boleh buat sales Mcm u jumpa ur client u give them FEAR then they invest Ur vision must be GAMSHIP bkn Moscow Moscow is small Bila dia keluar EBC. Makin kuat semangat Ju bila nak jadik GAM Sakit sbb ROLLING period U kena tahu bila jadi GAM Then u work backward Kalau u tak tahu apa requirement nak jadi GAM. Mmg sebenarnya u tak nak

Ingat macamana u nak kahwin dulu Macamana nak lulus exam masa buat degree dulu Bila u jadi GAM u level jadi different Confidence level tinggi Boleh dapat join grup wasap GAM2 yg otai. Wan Suzana akan jadi GAM this year Kenapa i encourage u jadik GAM? Confidence Challenges dah jadi GAM TEAM terbang ke company lain dan rembat by other GAM Putri dulu buat epf. Sekarang ubah strategi Epf hanya 20% Vision A trusted customised sop business strategy development strategy She can tap corporate market Semua orf send proposal Tunujukan u berbeza MISSION FNA solution provider SOP IMPACTFUL METHODS TO DEVELOP 100 MILLIONAIRES A YEAR

BEST STRATEGY in Bisnes ====================== Post Mortem Diagnosis Analysis Solution Mission ====== The What n Why Moscow is GOAL IN BUSINESS KENA ADA INI VMOSA ====== VISION MISSION OBJECTIVE STRATEGY ACTION PLAN Corporate termasuk SME Puteri tap Textile Industry DDI dapat rm30k Cth Benang Hijau Bila nak sit down Kenapa I nak jumpa u Give me 5 minutes She post mortem BH

UTC give solution direct Bila dia faham. Diaoramg akan bagi Bagus bagi solution. Tapi with the concept. They will give u more during hari raya Ask 4 questions What are u What is ur purpose What is ur main responsibility What is ur main objective These are all about our CLIENTS Maximise ur income. Cross sell. 1 client beli 4 product dari u. Vision is the DREAM Jumpa client What makes u different? My objective in business is I have a vision n mission for my client Vision must be: Realistic Credible Attractive Future Share dgn client

3 years 5 years 10 years Oyr services Post mortem Doagnosis Analysis Solution Ada company 10mill Monthly consultation fees they pay rm10k per month Financial Forensic - the first one to get Dulu dia chef U nak lari income tax. U cari i. Minima 30 cases diagnoses n post mortem baru dpt license She want to be in their business Dpt 1% dr income client company. Boleh offer OD Result belum nampak tapi this year akan dpt hasil Simgle RM30k DDI 20k n 10k n 10k Bila kt buat post mortem takkan client tak nak They pay me Nak jumpa 2hours rm500 First datang FREE mesti dtg ofis tgkt 4 Cheras Then boleh visit premises dia Tgk isu dia

Marketing HR A post mortem MANDATORY BMC Diagnoses Balanced Scorecard has 4 distinct Perspective Financial Customer Operation People KRA | MEASURE | TARGET SWOT SOLUTION SOP Nak invest kat mana yg boleh tax Com letak kat FD kena tax Letak kat UT x kena tax SOP BIZ FINANCIAL MGMT Kenapa dia boleh letak RM30k Ilmu di Millionaire Mindset ===================== Bila u perlu dibayar. Baru customer value u Change ur market 1 hour rm500

Or 1 day rm1k ===================== Leads from entrepreneurs session Ambik card Pergi sme biz Khamis ni ada =========== Pergi klas to prepare u to become a Financail Forensic Millionaire Mindset BMC Ibu Hanim will teach about business forensic I want to see u still in the business in the next 5 years The End

3/27/2017

[09:54,] Norizah Dl Bib:

How to get referral lead. Ask your friend/family this 4 quadrant. Quad1 i) Friend/family yang baru kahwin ii) baru dapat anak Quad 2) i) friend/family yang baru habis belajar ii) friend/family baru naik pangkat. Quad 3) business friend/family Quad 4) friend /family yang baru beli hartatanah. Kawan mereka mesti ada di kalangan ini utk melabur bantu mereka untuk beri kita referlead. [09:56, 3/27/2017] myunittrust: Mantap Nor Izah. Nanti sy masukkan tip ni dlm ebook Tips from Whatsapp volume 2.

3/21/2017

[15:57,] myunittrust: Tips from Whatsapp versi 21 Mar 2017 siap ya

[16:56, 3/21/2017] myunittrust: Tip for quickly finding the info in pdf Open the pdf file Go to content

U can click on page number of the relevant topic that u want or click search button or Ctrl-F (Bill Gate) or Cmd-F (Mac) Banyak sangat ilmu dalam buku tu I nak copy semua dari wasap tak tercopy. Yang mana sempat je ya For next edition of the compilation. I advise you use the keywords like: Tip Summary ringkasan Rahsia Supaya senang sy nak compile