Khamis, September 25, 2008

Economic Environment

In a market economy the forces of supply and demand determine how resources are allocated. Businesses produce goods and services to meet the demand from consumers.
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The interaction of demand from consumers and supply from businesses in the market will discover the market-clearing price - the price that reflects the balance between what consumers will willingly pay for goods and services, and what suppliers will willingly accept for them.
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If there is oversupply, the price will be low and some producers will leave the market. If there is undersupply, the price will be high, attracting new producers into the market. There is not only a market for goods and services, but also for productive assets such as capital goods, eg, machinery, labour and money.
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For the labour market, it is the wage level that is effectively the ‘price’, and for the money market it is the interest rate. People compete for jobs and companies compete for customers in a market economy. Scarce resources, including skilled labour such as a football player, or a financial asset such as a share in a successful company, will have a high value.
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In a market economy, competition means that inferior football players and shares in unsuccessful companies will be much cheaper and, ultimately,competition could bring about the collapse of the unsuccessful company and the football player searching for an alternative career.

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Mixed Economies


A mixed economy combines a market economy with some element of state control. The vast majority of economies are mixed to a lesser or greater extent. Whilst most of us would agree that unsuccessful companies should be allowed to fail, we generally feel that the less able in society should be cushioned from the full force of the market economy.
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In a mixed economy, the government will provide a welfare system to support the unemployed, the in firm and the elderly, in tandem with the market-driven aspects of the economy. Governments will also spend money running key areas like defence, education, public transport, health and police services. Governments finance their public expenditure by:
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• collecting taxes directly from wage earners and companies;
• collecting indirect taxes (eg, VAT and taxes on petrol, cigarettes and alcohol); and
• raising money through borrowing in the capital markets.Civil servants, primarily working for the government to raise money and spend it, tend to be one of the largest groups in the labour market.
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Open Economies
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In an open economy there are few barriers to trade or controls over foreign exchange. Although most western governments create barriers to protect their citizens against illegal drugsand other dangers, they generally have policies to allow or encourage free trade.
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From time to time, issues will arise where one country believes another is taking unfair advantage oftrade policies and will take some form of retaliatory action, possibly including the imposition ofsanctions. When a country prevents other countries from trading freely with it, in order to preserveits domestic market, it is usually referred to as protectionism.
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The World Trade Organisation exists to promote the growth of free trade between economies. Itis, therefore, sometimes called on to arbitrate when disputes arise.

Isnin, September 22, 2008

Industry Participants of Financial Services

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Derivatives Markets
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Derivatives markets trade a range of complex products based on underlying instruments, including currencies, interest rates, equities, commodities and credit risk. Derivatives based on these underlying elements are available on both the exchange-traded market and the over-the-counter market (OTC).
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Turnover on north American and European derivatives exchanges increased four-fold between 2000 and 2005. US exchanges account for over half of global turnover; the largest of the exchange-traded derivatives markets is the Chicago Mercantile Exchange. Europe dominates trading in the OTC derivatives markets worldwide.
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Based on the value of the notional amounts outstanding, the OTC derivatives markets worldwide are about four times the size of stock quoted on stock exchanges. Interest rate derivatives contracts account for three-quarters of outstanding derivatives contracts, mostly through interest rate swaps.
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In terms of currencies, the interest rate derivatives market is dominated by the euro and the dollar, which have accounted for most of the growth in this market since 2001. The growth in the market came about as a reaction to the 2000 stock market crash as traders sought to hedge their position against interest rate risk.
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The UK enjoys the largest share of over-the-counter foreign exchange derivatives turnover. After the UK, the US and Japan, Singapore remains the next largest market for foreign exchange derivatives, ahead of Germany, Hong Kong, Switzerland and Australia.
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Fund Management
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Fund management is the investment management of portfolios for pension funds, insurance companies and mutual funds. Figures for 2006 show that the US and Europe dominate the investment funds market with a combined total of over US$40 trillion of funds under management.
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Japan’s net assets have remained largely flat over the past six years; as a result, Australia and Canada have overtaken it to become the third and fourth largest holders of mutual fund assets. Hong Kong has also seen strong growth in its investment fund assets on the back of Chinese economic growth and, on current trends, will soon overtake Japan.
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Other areas of fund management include private wealth management and the provision of investment management services to institutional entities such as companies, charities and local government authorities. The area also includes hedge funds, these being one of the fastest growing forms of institutional asset management.
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Insurance Markets
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Insurance markets specialise in the management of risk. In 2004, the world’s insurance market was worth US$3.2 trillion based on the value of insurance premiums written. The majority of these are life insurance premiums. The EU and the US are the largest players in the insurance market.
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Lloyd's of London is the largest insurance organisation in the world. It is said that anything can be insured on Lloyd’s, from mainstream assets such as buildings, to footballers’ legs and master wine tasters’ taste buds. Lloyd’s names join together in syndicates and each syndicate will write insurance, ie, take on all or part of an insurance risk.
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There are many syndicates and each name will belong to one or more. Each syndicate hopes that premiums received will exceed claims paid out, in which case each name will receive a share of profits (after deducting administration expenses). For most of Lloyd’s 300 year existence, names were wealthy individuals who were prepared to risk their money in the insurance market.
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In recent years, it has become possible to invest in Lloyd’s with limited liability. This change came a little too late for a number of names who lost everything as some syndicates suffered heavy losses.
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Investment Banks
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Investment banks provide advice and arrange finance for companies who want to float on the stock market, raise additional finance by issuing further shares or bonds, or carry out mergers and acquisitions. They also provide services for those who might want to invest in shares and bonds, in particular pension funds and asset managers.
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Typically, an investment banking group provides some or all of the following services, either in divisions of the bank or in associated companies within the group:
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• Corporate finance and advisory work, normally in connection with new issues of securities for raising finance, takeovers, mergers and acquisitions.
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• Banking, for governments, institutions and companies.
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• Treasury dealing for corporate clients in currencies, with financial engineering services to protect them from interest and exchange rate fluctuations.
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• Investment management for sizeable investors such as corporate pension funds, charities, and private clients. They may do this either via direct investment for the wealthier, or by way of collective investment schemes. In larger firms, the value of funds under management runs into many billions of pounds.
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• Securities trading in equities, bonds and derivatives and the provision of broking and distribution facilities. Only a few investment banks provide services in all these areas. Most others tend to specialise to some degree and concentrate on only a few product lines.
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A number of banks have diversified their range of activities in response to the downturn between 2000 and 2002 by developing businesses such as proprietary trading, servicing hedge funds or making private equity investments.
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Consolidation in the investment banking sector has created a small number of global companies which dominate the industry. In the first half of 2005, the top 10 investment banks generated more than half of global revenue. Within that group, the top three alone accounted for 20% of the income.

Ahad, September 21, 2008

Industry Participants

The following sections provide descriptions of some of the main participants referred to financial services industry.
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International Banking

International banking refers to banking activities that involve cross-border transactions. The world’s largest banks are evenly distributed across the US, the EU and Japan in terms of their country of incorporation.
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Within the top 25 banks there were two Chinese banks and one Swiss bank in 2004, with the remaining 22 being headquartered in the US, the EU or Japan. The most ‘international’ bank, judging by the distribution of its offices, is HSBC. Although being incorporated in the UK and having its headquarters in London, it has 58% of its offices in the Americas - mostly in the US and Brazil.
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Citigroup, the world’s largest bank, has a strong presence across the time zones, with over 30,000 employees in each of the European and Asia-Pacific regions. 3.2.2 Equity MarketsEquity markets are the best known of financial markets and facilitate the trading of shares in quoted companies.
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According to the 2005 Annual Report from the World Federation of Exchanges, the total value of shares quoted on the world’s stock exchanges reached US$41 trillion at the end of 2005. The New York Stock Exchange is the largest exchange in the world with a domestic market capitalisation of US$13 trillion - domestic market capitalisation is the value of shares listed on an exchange.
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The second largest is NASDAQ at US$3.6 trillion meaning that the two New York exchanges account for 40% of all exchanges. By comparison, Europe’s three largest exchanges - the London Stock Exchange (LSE), Euronext (which includes the Amsterdam, Brussels, Lisbon and Paris exchanges) and Deutsche Börse - had a domestic stock market capitalisation of US$6.9 trillion at the end of 2005.
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The same report shows that Asian exchanges also have an important share of world trading. The Tokyo Stock Exchange had a domestic market capitalisation of US$4.5 trillion, whilst other Asian and Pacific exchanges add a further US$4.8 trillion. Indian and Chinese exchanges, though still in their infancy, together had a domestic market capitalisation of US$1.5 trillion according to the 2005 Annual Report from the World Federation of Exchanges.
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India’s stock exchange is the fastest growing in Asia in percentage terms, and amongst the fastest growing in the world.
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Bond Markets
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Although less well known than equity markets, bond markets are larger both in size and value of trading. The stocks traded range from domestic bonds issued by companies and governments to international bonds issued by companies, governments and supra-national agencies such as the World Bank.
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According to the Bank for International Settlements, the total value of the global bond market measured by the amount of bonds outstanding reached €46 trillion in 2005. The US has the largest bond market, but trading in international bonds is predominantly undertaken in European markets.
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Foreign Exchange Markets
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Foreign exchange markets are the largest of all financial markets with average daily turnover in the region of US$2,500 billion. Europe is the largest market for foreign exchange trading, accounting for over half of total trading worldwide.
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Most of that activity takes place in the UK which accounts for around a third of global trading.The US is in second position. Japan has consolidated its position as the third largest foreign exchange trading location, ahead of Singapore and Hong Kong.
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The rate at which one currency is exchanged for another is set by supply and demand. For example, if there is strong demand from Japanese investors for US assets, such as property or bonds and shares, the US dollar will rise in value.
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Foreign exchange (Forex) rates tend to reflect:
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• prospects for growth; and
• comparative interest rates.
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Forex rates will have a substantial impact on businesses that engage in international trade by importing and/or exporting. As a result, there is an active foreign exchange market that enables companies to deal with their cash inflows and outflows denominated in overseas currencies.
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The market is provided by the major banks, who each provide rates of exchange at which they are willing to buy or sell currencies. Historically, most foreign exchange deals were arranged over the telephone, however electronic trading is becoming increasingly prevalent.
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The spot rate is the rate quoted by a bank for the exchange of one currency for another immediately although, in many cases, spot deals do not ‘settle’ (that is, the two currencies do not change hands) until two business days have elapsed.
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The forward rate is the rate quoted by a bank for the exchange of one currency for another at some agreed future date. Companies entering into forward transactions will know how much an overseas currency will cost or generate in advance. This will enable the companies to plan and budget more accurately.

Jumaat, September 19, 2008

Positive Attitude

Attitude is the way you communicate your mood to others. When you are optimistic and anticipate successful encounters, you transmit a positive attitude.
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It will accomplish 3 basic goals:
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1 It triggers enthusiasm.
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2 Enhances creativity and increases poductivity.
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3 Make the most of your personality.

Introduction to Securities and Investment

The world economy is growing rapidly and becoming increasingly integrated and interdependent as trade and investment flows rise.
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This has been accompanied by even faster growth and integration in the financial services sector. Here are some examples of this:
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Growth in wholesale financial services between 1997 and 2005 is estimated to have outstripped general economic growth by 70% on average.
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The UK’s financial services industry employs over 1 million people, it accounts for 9% of GDP and is the world’s largest single exporter of financial services.
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The increasing integration of markets can be seen in the proposed link-ups between the New York Stock Exchange (NYSE), Euronext and the Tokyo Stock Exchange (TSE).
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India’s stock exchanges are amongst the fastest growing in the world.
Looking ahead, China’s financial services are likely to average over 11% real growth per annum over the next fifteen years and its imports of financial and insurance services are likely to increase ten-fold by 2020.
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With this background, therefore, it is important to understand the core role that the financial services industry undertakes within the economy and some of the key features of the global financial services sector.
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The Role of the Financial Services Industry
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The financial services industry in developed countries is a major contributor to the economy. In the UK, for example, the activities of the firms headquartered in and around the City of London provide considerable employment, as well as overseas earnings for the economy.
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The financial services industry provides the link between organisations needing capital and those with capital available for investment. An organisation needing capital might be a growing company, and the capital might be provided by individuals saving for their retirement in a pension fund.
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It is the financial services industry that channels the money invested to those organisations that need it, and provides transmission, payment, advisory and management services. It is accepted that the financial services industry plays a critical role in all advanced economies and that the services it provides can be broken down into three core functions:
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Investment Chain - through the investment chain savers and borrowers are brought together, bringing finance to business and opportunities for savers to manage their finances over their lifetime. The efficiency of this chain is critical to allocating capital to the most profitable investments, providing a mechanism for saving, raising productivity and, in turn, improving competitiveness in the global economy.
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Risk - in addition to the opportunities that the investment chain provides for pooling investment risks, the financial services sector allows other risks to be managed effectively and efficiently through the use of insurance and increasingly sophisticated derivatives. These tools help business cope with global uncertainties as diverse as the value of currencies, the incidence of major accidents or the weather and protect households against everyday contingencies.
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Payment Systems – payment and banking services operated by the financial services sector provide the practical mechanisms for money to be managed, transmitted and received quickly and reliably. It is an essential requirement for commercial activities to take place and for participation in international trade and investment. Access to payment systems and banking services is a vital component of financial inclusion for individuals.
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Global Financial Services Industry
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A recent report by the Centre for Economics and Business Research has highlighted both the scale and importance of the financial services industry to the global economy. Key elements of the report include:
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• World trade in financial and insurance services reached €141 billion in 2004, or 8.2% of world trade in commercial services.
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• Wholesale finance’s contribution to global economic activity has averaged 6.3% annual growth over the past eight years, compared to 3.7% for global output generally.
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• The US accounts for 39% of world wholesale finance services and is growing at an average 7% each year.
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• The EU contributes to over half of world trade in finance and insurance services, whilst the UK is the single largest exporter of such services, enjoying 24% of world exports.
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• The EU leads a number of financial markets - such as international equity, foreign exchange and derivatives - whilst it is growing strongly in others, such as internationally-issued bonds, regulated funds and hedge funds.
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• In real terms, China’s wholesale financial sector is growing at nearly three times the pace of the EU’s and now accounts for 4% of the world market.
The number of organisations operating in the financial services industry is wide and varied. Each carries out a specialised function and an understanding of their role is important in order to understand how the industry is organised and interacts.
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The following sections detail the function of the main participants within the industry. For firms, although each is described as a separate organisation, the nature of financial conglomerates means that some of the largest global firms may have divisions carrying out each of these activities.
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Wholesale and Retail Business
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Within the financial services industry there are two distinct areas, namely the wholesale and institutional sector and the retail sector. The financial activities that make up the wholesale financial sector include:
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International banking - cross-border banking transactions.
Equity markets - the trading of quoted shares.
Bond markets - the trading of government, supranational or corporate debt.
Foreign exchange - the trading of currencies.
Derivatives - the trading of options, swaps, futures and forwards.
Fund management - managing mutual, pension and insurance pooled funds.
Insurance - re-insurance, major corporate insurance (including professional indemnity), captive insurance and risk-sharing insurance.
Investment banking - tailored banking services to organisations, such as undertaking mergers and acquisitions, equity trading, fixed income trading and private equity.
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By contrast, the retail sector focuses, unsurprisingly, on services provided to personal customers including:
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Retail banking - traditional range of deposit accounts, lending and credit cards;
Insurance - provision of a range of life insurance and protection solutions for areas such as medical insurance, critical illness, motor, property, income protection and mortgage protection;

Pensions - provision of investment accounts specifically designed to capture savings during a person’s working life and provide benefits on retirement;
Investment services - a range of investment products and vehicles ranging from execution-only stockbroking to full wealth management services and private banking;
Financial planning and financial advice.

Khamis, September 18, 2008

Millionaires Mindset - Focus

It is not about how well you plan your time. It is about how effectively you keep yourself laser focused on what you planned.
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Focus! How many times have we been told to do this in our life?
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Millionaires know that they have to focus. What distractions do you allow into your life?
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Distractions are the number one focus killer! It is estimated that for every distraction that occurs in our life, it takes about fifteen minutes to get back on track or get back to the same thought pattern you were at prior to the distraction occurring.
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Make focus your number one priority. Stop the leakage of your time and start focusing today. You will be truly amazed at the results that you will have in just one month. This combined with doing what you are naturally gifted at will show amazing results for your small business. Do not let the day to day distractions stop you from focusing on your end goals and important business items. Many times, the urgent distractions are not really all that urgent.
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Focus is a critical element of success. You cannot bounce from one idea to the next and expect to be a success.Make a to-do list of activities that will further your success of your business and get projects completed on time. It's easy to become frustrated if you have no idea where to start. Break your project down into manageable steps.
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Focus on your talents. There comes a time in every business where you need to startthinking about what could be outsourced so you can focus on the core of your business and what you do best. Focus on using your strengths to your fullest potential and outsourcing tasks in your weaker areas to people who have the talent you lack or who can perform the job at a lesser cost.
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Certainly focus is one of the key elements to success in any online business. Focus is that one true ability that will launch your business forwardFocus is to your mind what exercise is to your body. It requires discipline and practice to become stronger. As I am sure you have probably noticed, whether you are at work, at home, or running errands, your mind is usually off somewhere else thinking about the past or the future.
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Focus your mind on the now and your life will improve exponentially!Focus on what you do want. As you already know, if you focus on what you do not want, that is exactly what you will get. Your brain only hears the content of what you are thinking. It cannot distinguish between positive or negative thoughts. Its function is to listen, not to interpret.
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Stop periodically through your day and observe your thoughts. Are they all over the place?
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Some will brag about their ability to multi-task. Or is it just your thoughts running wild. Some call it the monkey mind, jumping from one thought to another. Relax your body and tune into your thoughts. With focus, you can bust out and create new levels of success in your life.
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Here is a secret - you do not become a success when you achieve your goal. You become a success by becoming the person your goal belongs to. You become the person that is capable of achieving that goal. When that happens your goal comes to you and almost falls in your lap. Day by day stay focused on the habits of a person that your goal belongs to. As you evolve and change, this will bring your goal right to you.I've combined my unique experiences into a unique niche, something I needed in my own life to guide me to success.
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I combined my mindset training with Joe Vitale and others with my marketing experience, including my last 2 years on the internet. Your inner game has direct impact on your income. Since mindset and marketing happen at the same time, it makes sense to look at them at the same time. My products and services do just that.
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If you'd like to watch a series of free videos about how to mix your mindset with your marketing to create your ideal life and build a business to support it plus get some tools you can use immediately, go to http://www.kathymandrews.com/

Rabu, September 17, 2008

Lagu Anak Tupai



Saya minat lagu rakyat ciptaan saudara Halim Yazid. Banyak pengajaraan yang boleh dikutip. EnjoY!

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Ado sekor…anok tupai… Atas jula mokte…

kudung ekor..perut lapar… jale cari make….(2x)

kejadie Tuhe..dipanggil namo tupai..

asalnyo dale hute… sejenis mamalia… (2x)

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kalu pasal jakit kot dehe… diolah yang paling panda…

jatuh jaghe-jaghe kerano dio tok sobar…

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panda-panda tupai melopat jatuh tanoh jugok… nok wi kabar..oghe jahat…

jange terlajak manggak…

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ooo…oghe zaman dulu… pakat hambat tupai…

bimbang ko woh kayu … takut tok de besar… (2X)

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nyo durian duku… kalu de nyo kerit tupai…

pendek tahun tuh…nyo durian tok de nok jual….

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pakat bedil ado… tupai habih mati….

hok ni lah sayo raso… kito sgt rugi… (2x)

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kito manusia…tinggi mano pon kito ngaji…

nok wak tupai sekor tentu skali nyo tok jadi

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oooo…raso siye sunggoh…. tgk sekor anok tupai..

krano terlajok kuruh… sapa tokleh niti pagar… (2x)

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bulu-bulu pon habis luruh… air mato bera-bera…

maghi dale baruh bokali keno racun bakar..

Jumaat, September 05, 2008

Wealth Principles

1. Your income can grow only to the extent you do!
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2. If you want to change the fruits, you will first have to change the roots. If you want to change the visible, you must first change the invisible.
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3. Money is a result, wealth is a result, health is a result, illness is a result, your weight is a result. We live in a world of cause and effect.
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4. Give me five minutes, and I can predict your financial future for the rest of your life.
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5. Thoughts lead to feelings. Feelings lead to actions. Actions lead to results.
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6. When the subconscious mind must choose between rooted emotions and logic,
emotions will always almost win.
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7. If your motivation for acquiring money or success comes from a non supportive
root such as fear, anger, or the need to “prove” yourself, your money will never bring you happiness.
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8. The only way to permanently change the temperature in the room to reset the
thermostat. In the same way, the only way to change your level of financial success “permanently” is to reset your financial thermostat.
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9. Consciousness is observing your thoughts and actions so that you can live from true choice in the present moment rather than being run by programming from the past.
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10. You can choose to think in ways that will support you in your happiness and
success instead of ways that don't.
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11. Money is extremely important in the areas in which it works, and extremely unimportant in the areas in which it doesn't.
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12. When you are complaining, you become a living, breathing “crap magnet”.
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13. There is no such thing as a really rich victim!
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14. If your goal is to be comfortable, chances are you'll never get rich. But if your goal is to be rich, chances are you'll end up mighty comfortable.
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15. The number one reason most people don't get what they want is that they don't know what they want.
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16. If you are are not fully, totally, and truly committed to creating wealth, chances are you won't.
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17. The Law of Income: You will be paid in direct proportion to the value you deliver according to the marketplace.
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18. “Bless that which you want” -- Huna philosophy.
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19. Leaders earn a heck of a lot more money than followers.
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20. The secret of success is not to try to avoid or get rid of or shrink from your problems; the secret is to grow yourself so that you are bigger than any problem.
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21. If you have a big problem in your life, all that means is that you are being a
small person.
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22. If you say you're worthy, you are. If you say you're not worthy, you're not.
Either way you will live into your story.
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23.“If a hundred-foot oak tree had the mind of a human, it would only grow to be ten feet tall!” -- T. Harv Eker
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24. For every giver there must be a receiver, and for every receiver there must be
a giver.
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25. Money will only make you more of what you already are.
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26. How do you do anything is how do you everything.
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27. There's nothing wrong with getting a steady paycheck, unless it interferes with your ability to earn what you're worth. There's the rub. It usually does.
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28. Never have a ceiling on your income.
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29. Rich people believe “You can have your cake and eat it too.” Middle-class people believe “Cake is too rich, so I'll only have a little piece.” Poor people don't believe they deserve cake, so they order a doughnut, focus on the hole, and
wonder why they have”nothing”.
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30. The true measure of wealth is net worth, not working income.
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31. Where attention goes, energy flows and results show.
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32. Until you show you can handle what you've got, you won't get any more!
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33. The habit of managing your money is more important than the amount.
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34. Either you control money, or it will control you.
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35. Rich people see every dollar as a “seed” that can be planted to earn a hundred more dollars, which can then be replanted to earn a thousand more dollars.
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36. Action is the “bridge” between the inner world and the outer world.
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37. A true warrior can “tame the cobra of fear”.
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38. It is not necessary to try to get rid of fear in order to succeed.
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39. If you are willing to do only what's easy, life will be hard. But if you are willing to do what's hard, life will be easy.
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40. The only time you are actually growing is when you are uncomfortable.
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41. Training and managing your own mind is the most important skill you could ever own, in terms of both happiness and success.
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42. You can be right or you can be rich, but you can't be both.
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43. "Every master was once a disaster.” -- T. Harv Eker
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44. To get paid the best, you must be the best.
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Best use with the “Secrets of the Millionaire Mind” book by T. Harv Eker (http://www.millionairemindbook.com/).

Rabu, September 03, 2008

Apakah Harga Untuk Menjadi Kaya

Memang banyak cara yang boleh kita lakukan untuk menjadi kaya tetapi kebanyakannya mempunyai harga yang perlu anda bayar. Berikut disenaraikan pilihan yang ada:
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1 Anda boleh menjadi kaya dengan mengahwini seseorang demi wang dan hartanya. Anda secara automatik menjadi kaya tetapi sanggupkah anda untuk hidup dengan pasangan yang tidak anda cintai?
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Selalunya hubungan ini hanya kekal beberapa tahun sahaja dan itupun sudah cukup lama. Kita selalu melihat dan mendengar di media massa bagaimana pasangan orang kaya bergaduh dalam pembahagian hak ke atas harta termasuk anak-anak dan proses ini berlarutan bertahun-tahun lamanya.
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2 Anda boleh menjadi kaya dengan menjadi penjenayah, penipu ataupun seorang yang melanggar undang-undang negara. Memang anda akan menikmati hidup yang serba mewah dengan harta yang banyak tetapi biasanya hidup anda tidak tenteram, akhirnya jika tersilap langkah boleh meringkuk dalam penjara.
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3 Anda boleh menjadi kaya dengan mewarisi harta kekayaan keluarga. Anda sememangnyabertuah jika tergolong dalam kategori ini. Masalahnya ialah peratusannya amatlah kecil dan jika adapun selalunya anda akan berhadapan dengan bermacam tuntutan daripada waris lain yang inginkan bahagian daripada harta pusaka tersebut.

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4 Anda boleh menjadi kaya dengan memenangi loteri. Ya, semakin ramai orang sekarang mengharapkan dirinya bernasib baik dan boleh memenangi hadiah berjuta-juta ringgit. Tetapi tahukah anda, peluangnya amatlah tipis, satu dalam sejuta. Kerap kali banyak wang dan masa terbuang begitu sahaja.

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5 Anda boleh menjadi kaya dengan menjadi bintang filem terkenal, bintang rock, bintang sukan ataupun seseorang yang hebat di dalam satu bidang dan sebagainya. Untuk menjadi seperti Tiger Woods misalnya, selain bakat semula jadi, beliau mula membuat hayunan golf seawal usia 3 tahun. Sanggupkah anda berlatih setiap hari untuk mencapai tahap beliau dan mempunyai kekuatan mental yang tinggi?

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Juga, tidak ramai yang mermpunyai rupa dan bakat lakonan seperti Tom Cruise untuk melayakkan anda memperolehi bayaran berpuluh juta hanya nelalui satu filem.

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6 Anda boleh menjadi kaya degan menjadi seorang yang tamak. Dengan cara merampas hak orang lain, anda akan menjadi seorang yang kaya-raya melalui aktiviti monopoli anda. Sanggpukah anda dikutuk sepanjang hayat atas perbuatan anda ini?

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7 Anda boleh menjadi kaya dengan menjadi seorang yang kedekut / “tangkai jering” / “Haji Bakhil”. Memang anda akan menjadi seorang yang berharta dengan cara ini tetapi sanggupkah anda untuk tidak menikmati kemewahan tersebut hanya kerana terlalu berkira dan berjimat cermat?

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8 Anda boleh menjadi kaya dengan menjadi seorang yang bijak kewangan. Contonya, Ada orang yang membeli tiket untuk menonton perlawanan dan ada orang yang menjual tiket untuk perlawanan tersebut. Anda tentunya ingin menjadi orang yang berada di pihak yang menjual tiket tersebut.

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Nizamsurf komited untuk menunjukkan jalan kepada anda bagaimana untuk menjadi seorang yang bijak kewangan dan seterusnya mencapai matlamat kewangan dalam hidup. Hanya dengan menjadi seorang yang bijak kewangan, anda tidak perlu memilih cara yang telah disebutkan di atas (1-7) kerana setiap cara tersebut anda perlu membayar harga yang terlalu mahal.

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Bijak kewangan bermula dengan menaik taraf diri sendiri melalui pengetahuan dan pengalaman terutama dalam bidang bisnes dan pengurusan kewangan. Di samping itu, anda perlulah melaburkan masa dan wang bagi mendapatkan pulangan yang lebih tinggi pada masa hadapan.

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