-----------------------------------------------------------
MILLIONAIRESPLANET EZINE
money . success . freedom
Oct 2007 Issue #62
-----------------------------------------------------------
By subscription only! Welcome to the latest issue of
"MILLIONAIRESPLANET EZINE"
You are receiving this newsletter because you
requested a subscription. Unsubscribe instructions
are at the end of this newsletter.
-----------------------------------------------------------
IN THIS ISSUE
-----------------------------------------------------------
1. Feature Article
2. Quote of the Month
3. Your Question Answered
4. Special Offers
5. New Books from Truewealth
6. Latest News from TrueWealth
7. Disclaimer
8. List Maintenance
-----------------------------------------------------------
UNTUK USAHAWAN SAHAJA: WEALTH SUMMIT
-----------------------------------------------------------
We are going to run the first ever "Wealth Summit" (in BM)
featuring five of our authors, namely Irwan Dahnil, Zamri
Nanyan, Eruwan Gerry Norsen, Osman Affan and Azizi Ali.
Those who are interested in finding out how to get into
the hottest businesses in Malaysia today, this is your
opportunity to do so.
Full sign up details is at:
"http://www.MillionairesPlanet.com/WealthSummit.htm"
-----------------------------------------------------------
1. FEATURE ARTICLE: More about the Reserves Fund
-----------------------------------------------------------
I wrote about the reserves fund in my first book
entitled "Millionaires are from a different planet!" Let me
now add some additional points about the subject.
Occasionaly, I run into people who think that it is a
waste of time, resources and money to have one. And yes, I
have read books (all from the west) that discourages having
a reserve fund as well.
Their main argument against it is that the money will not
be making more money for you. Since the fund is kept in a
safe and secure investment vehicle - normally the fixed
deposit - it'll be earning a measly 3-4% return a year. So
it is wasted. Why not take this money and invest it in the
stock market, properties or someplace else and make the
money work for you?
Now, let me first clarify that I have nothing against
investing. In fact, I'm a firm advocate of investing your
money. However, first things first.
Before you can run, you have to learn how to walk. And
before you can walk, you have to learn to crawl first.
And before you invest, you must have a reserves fund
worth at least three months of living expenses first. For
example, if you require RM5,000 a month to ensure that
life goes on as per normal, then have RM15,000 as your
reserves fund. Of course, more is better.
This money, as mentioned in my book, should be kept in a
safe and secure investment vehicle. And although you may
consider the fixed deposit, I'll give you two better
alternatives - the ASB and/or the Tabung Haji. Both give
a fair return for your money. ASB used to pay >12%; now
it's about 10%. Tabung Haji used to pay >7%. (Of course,
2001 wasn't a banner year for Tabung Haji. But they
appeared to have sorted out their problems, and have paid
decent returns again).
The purpose of the reserves fund is not so much to make
more money, but to ensure that life goes on as per normal.
It will ensure that your life will go on with minimal
disruptions.
Otherwise, when a situation or an emergency arises (and
they certainly will as long as we are living here on
Planet Earth), it will compound our problems. We may have
to sell our investments at a loss or borrow money (and
pay an obscene interest) to address the situation. Both
will cause more disruptions, waste more time, effort and
money.
In summary, I will say this: if you do not have a reserve
fund - forget about making an investment - any investment.
You are not ready.
-----------------------------------------------------------
2. QUOTE OF THE MONTH
-----------------------------------------------------------
"Given equally good players and good teamwork, the team
with the strongest will to win will prevail."
* David Packard *
-----------------------------------------------------------
3. YOUR QUESTION ANSWERED
-----------------------------------------------------------
QUE: i would like to have a good investment as in to
purchase a house but just could not afford it.....there are
some apartments that I might afford but the location is too
far or in areas that might not offer any return on the
investment. How could I know which area could offer me a
good ROI? People say it's good to start earning your own
house as young as possible....but I'm just too afraid that
I might end up loosing or have to pay too much...Most of my
colleagues have bought a house as they need their own house
as for my case, I'm staying a.k.a renting at my mom's house
(not loosing anything plus it's in a Prime location). One
more thing, is there any difference in value of purchasing
a freehold and a 99 leasehold house? Also...how to choose
a good housing loan?
I really need a financial planner's advice....i just don't
know how to manage my money to make a fortune or at least
retiring rich.....with no more loans to settle....
Hoping to hear from you soon with your wonderful advices.
ANS: Maam, practically ALL the answers that you are
asking are already inside my books, namely Millionaires
are from a different planet and the books on property
investment.
All you need to do is buy them and all your problems will
be solved.
Yes, I make a little bit of money when you buy my books but
considering that the answers will solve much of your
problems (and not just the financial kind), I think it is a
fair exchange. I wish you the best.
* HOT TIP *
Read "The HP Way" by David Packard
-----------------------------------------------------------
4. SPECIAL OFFERS: Mini Woksyop Jutawan Hartanah kembali!
-----------------------------------------------------------
Oleh kerana banyak permintaan, Azizi Ali akan mengadakan
Mini Woksyop Jutawan Hartanah pada bulan November.
Jika anda hendak tahu tentang rahsia bagaimana untuk
menjana wang besar daripada hartanah, inilah masanya!
Klik dilink berikut untuk maklumat penuh.
"http://www.MillionairesPlanet.com/jh_miniworkshop.htm"
-----------------------------------------------------------
5. NEW BOOKS FROM TrueWealth
-----------------------------------------------------------
We have released four exciting new books in Aug and Sept
- "Mobile Millions" by Syahazzly Izham Hamzah, "Jutawan
Saham" by Azizi Ali and Bill Wermine, "ScamBuster" by Azizi
Ali and "Rahsia Blogger" by Mohd Farid & Mohd Suhaimy.
Order your copy NOW and be one of the first to benefit from
these books.
"http://www.MillionairesPlanet.com/books.htm"
-----------------------------------------------------------
6. LATEST NEWS FROM TrueWealth
-----------------------------------------------------------
1. AUTHORS WANTED
We are looking to publish more self-help books (both
in English and in Malay) to help you rise higher.
So if you are an expert in your field, want to help others
and make lots of money in the process, give us a call at
03-7880 1051 and ask for Nirmitha, who is our Publishing
Manager (e-mail: nirmitha@MillionairesPlanet.com).
We will be happy to look at your proposal and manuscript.
You might just be the next best-selling author in Malaysia!
2. FREELANCE TRANSLATORS AND EDITORS WANTED
We are also looking for freelance translators and editors.
For full details, please log on to:
"http://www.MillionairesPlanet.com/opp.htm"
-----------------------------------------------------------
7. DISCLAIMER
-----------------------------------------------------------
This e-zine is for educational purposes only. The author
and publisher specifically disclaim any responsibility for
any liability, loss or risk, personal or otherwise, which
is incurred as a consequence, directly or indirectly, of
the use and application of any of the contents of this
e-zine.
-----------------------------------------------------------
-----------------------------------------------------------
So that's it, folks. The latest FREE issue of the
"MILLIONAIRESPLANET EZINE". I trust that you've picked up
some useful stuff that can help you become a Grand Master
of Money.
So tell your mom, tell your dad, tell your girlfriends and
your boyfriends too, and ask them to join the party!
Until the next issue, keep your eyes on the money and
here's to the next million!
Azizi Ali
*Millionaires Coach*
MILLIONAIRESPLANET EZINE
money . success . freedom
Oct 2007 Issue #62
-----------------------------------------------------------
By subscription only! Welcome to the latest issue of
"MILLIONAIRESPLANET EZINE"
You are receiving this newsletter because you
requested a subscription. Unsubscribe instructions
are at the end of this newsletter.
-----------------------------------------------------------
IN THIS ISSUE
-----------------------------------------------------------
1. Feature Article
2. Quote of the Month
3. Your Question Answered
4. Special Offers
5. New Books from Truewealth
6. Latest News from TrueWealth
7. Disclaimer
8. List Maintenance
-----------------------------------------------------------
UNTUK USAHAWAN SAHAJA: WEALTH SUMMIT
-----------------------------------------------------------
We are going to run the first ever "Wealth Summit" (in BM)
featuring five of our authors, namely Irwan Dahnil, Zamri
Nanyan, Eruwan Gerry Norsen, Osman Affan and Azizi Ali.
Those who are interested in finding out how to get into
the hottest businesses in Malaysia today, this is your
opportunity to do so.
Full sign up details is at:
"http://www.MillionairesPlanet.com/WealthSummit.htm"
-----------------------------------------------------------
1. FEATURE ARTICLE: More about the Reserves Fund
-----------------------------------------------------------
I wrote about the reserves fund in my first book
entitled "Millionaires are from a different planet!" Let me
now add some additional points about the subject.
Occasionaly, I run into people who think that it is a
waste of time, resources and money to have one. And yes, I
have read books (all from the west) that discourages having
a reserve fund as well.
Their main argument against it is that the money will not
be making more money for you. Since the fund is kept in a
safe and secure investment vehicle - normally the fixed
deposit - it'll be earning a measly 3-4% return a year. So
it is wasted. Why not take this money and invest it in the
stock market, properties or someplace else and make the
money work for you?
Now, let me first clarify that I have nothing against
investing. In fact, I'm a firm advocate of investing your
money. However, first things first.
Before you can run, you have to learn how to walk. And
before you can walk, you have to learn to crawl first.
And before you invest, you must have a reserves fund
worth at least three months of living expenses first. For
example, if you require RM5,000 a month to ensure that
life goes on as per normal, then have RM15,000 as your
reserves fund. Of course, more is better.
This money, as mentioned in my book, should be kept in a
safe and secure investment vehicle. And although you may
consider the fixed deposit, I'll give you two better
alternatives - the ASB and/or the Tabung Haji. Both give
a fair return for your money. ASB used to pay >12%; now
it's about 10%. Tabung Haji used to pay >7%. (Of course,
2001 wasn't a banner year for Tabung Haji. But they
appeared to have sorted out their problems, and have paid
decent returns again).
The purpose of the reserves fund is not so much to make
more money, but to ensure that life goes on as per normal.
It will ensure that your life will go on with minimal
disruptions.
Otherwise, when a situation or an emergency arises (and
they certainly will as long as we are living here on
Planet Earth), it will compound our problems. We may have
to sell our investments at a loss or borrow money (and
pay an obscene interest) to address the situation. Both
will cause more disruptions, waste more time, effort and
money.
In summary, I will say this: if you do not have a reserve
fund - forget about making an investment - any investment.
You are not ready.
-----------------------------------------------------------
2. QUOTE OF THE MONTH
-----------------------------------------------------------
"Given equally good players and good teamwork, the team
with the strongest will to win will prevail."
* David Packard *
-----------------------------------------------------------
3. YOUR QUESTION ANSWERED
-----------------------------------------------------------
QUE: i would like to have a good investment as in to
purchase a house but just could not afford it.....there are
some apartments that I might afford but the location is too
far or in areas that might not offer any return on the
investment. How could I know which area could offer me a
good ROI? People say it's good to start earning your own
house as young as possible....but I'm just too afraid that
I might end up loosing or have to pay too much...Most of my
colleagues have bought a house as they need their own house
as for my case, I'm staying a.k.a renting at my mom's house
(not loosing anything plus it's in a Prime location). One
more thing, is there any difference in value of purchasing
a freehold and a 99 leasehold house? Also...how to choose
a good housing loan?
I really need a financial planner's advice....i just don't
know how to manage my money to make a fortune or at least
retiring rich.....with no more loans to settle....
Hoping to hear from you soon with your wonderful advices.
ANS: Maam, practically ALL the answers that you are
asking are already inside my books, namely Millionaires
are from a different planet and the books on property
investment.
All you need to do is buy them and all your problems will
be solved.
Yes, I make a little bit of money when you buy my books but
considering that the answers will solve much of your
problems (and not just the financial kind), I think it is a
fair exchange. I wish you the best.
* HOT TIP *
Read "The HP Way" by David Packard
-----------------------------------------------------------
4. SPECIAL OFFERS: Mini Woksyop Jutawan Hartanah kembali!
-----------------------------------------------------------
Oleh kerana banyak permintaan, Azizi Ali akan mengadakan
Mini Woksyop Jutawan Hartanah pada bulan November.
Jika anda hendak tahu tentang rahsia bagaimana untuk
menjana wang besar daripada hartanah, inilah masanya!
Klik dilink berikut untuk maklumat penuh.
"http://www.MillionairesPlanet.com/jh_miniworkshop.htm"
-----------------------------------------------------------
5. NEW BOOKS FROM TrueWealth
-----------------------------------------------------------
We have released four exciting new books in Aug and Sept
- "Mobile Millions" by Syahazzly Izham Hamzah, "Jutawan
Saham" by Azizi Ali and Bill Wermine, "ScamBuster" by Azizi
Ali and "Rahsia Blogger" by Mohd Farid & Mohd Suhaimy.
Order your copy NOW and be one of the first to benefit from
these books.
"http://www.MillionairesPlanet.com/books.htm"
-----------------------------------------------------------
6. LATEST NEWS FROM TrueWealth
-----------------------------------------------------------
1. AUTHORS WANTED
We are looking to publish more self-help books (both
in English and in Malay) to help you rise higher.
So if you are an expert in your field, want to help others
and make lots of money in the process, give us a call at
03-7880 1051 and ask for Nirmitha, who is our Publishing
Manager (e-mail: nirmitha@MillionairesPlanet.com).
We will be happy to look at your proposal and manuscript.
You might just be the next best-selling author in Malaysia!
2. FREELANCE TRANSLATORS AND EDITORS WANTED
We are also looking for freelance translators and editors.
For full details, please log on to:
"http://www.MillionairesPlanet.com/opp.htm"
-----------------------------------------------------------
7. DISCLAIMER
-----------------------------------------------------------
This e-zine is for educational purposes only. The author
and publisher specifically disclaim any responsibility for
any liability, loss or risk, personal or otherwise, which
is incurred as a consequence, directly or indirectly, of
the use and application of any of the contents of this
e-zine.
-----------------------------------------------------------
-----------------------------------------------------------
So that's it, folks. The latest FREE issue of the
"MILLIONAIRESPLANET EZINE". I trust that you've picked up
some useful stuff that can help you become a Grand Master
of Money.
So tell your mom, tell your dad, tell your girlfriends and
your boyfriends too, and ask them to join the party!
Until the next issue, keep your eyes on the money and
here's to the next million!
Azizi Ali
*Millionaires Coach*
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