Thursday, March 29, 2012
Tuesday, February 7, 2012
What Are The Solutions To These Problems ??
"Cash" - is the real solution
Cash - to keep the company going during the period when income decreases and expenses increases
Cash- to pay creditors so that they stay reassured and confidence renewed
Cash- to reimburse credit facilities / borrowings from bank
Cash- to pay salaries/wages, expenses incurred, dues owe to clients and to reassured that business runs as usual .
Cash- to recruit, engage, hire and train a replacement for the keyman
Cash- to cover the cost of mistakes/errors of a replacement will make in the learning process of a keyman.
Cash - to keep the company going during the period when income decreases and expenses increases
Cash- to pay creditors so that they stay reassured and confidence renewed
Cash- to reimburse credit facilities / borrowings from bank
Cash- to pay salaries/wages, expenses incurred, dues owe to clients and to reassured that business runs as usual .
Cash- to recruit, engage, hire and train a replacement for the keyman
Cash- to cover the cost of mistakes/errors of a replacement will make in the learning process of a keyman.
Business Risk Management
What Are The Problems Created By The Death Or Permanent Disability Of A Keyman
a) Costly Interruption Of Business
b) Loss in Profits
c) Replacement Of Keyman
d) Threat To Business Credit
e) Loss of confidence by Employees, Customers & Suppliers
f) Financial Credibility Loss ( No confidence by financial providers-banks, finance companies & others financial institution)
Who is the Key-man ?
" Keyman" refers to the person that has the expertise to generate profits and success to a company . In common language, it is said that the person had the skill, the reputation and the brains that makes the wheel of the company spinning, thus making huge profits for the company.
The loss of the keyman by means of death or permanent disability will create a loss of expertise and the disruption of company's success.
a) Costly Interruption Of Business
b) Loss in Profits
c) Replacement Of Keyman
d) Threat To Business Credit
e) Loss of confidence by Employees, Customers & Suppliers
f) Financial Credibility Loss ( No confidence by financial providers-banks, finance companies & others financial institution)
Who is the Key-man ?
" Keyman" refers to the person that has the expertise to generate profits and success to a company . In common language, it is said that the person had the skill, the reputation and the brains that makes the wheel of the company spinning, thus making huge profits for the company.
The loss of the keyman by means of death or permanent disability will create a loss of expertise and the disruption of company's success.
Thursday, February 2, 2012
Risk Management
The best planning in the world can be jeopardized with the sudden loss of ability to earn income, or worse still, loss of life. We can make sure your income continues if you are suddenly unable to work.
We offer advice on a range of risk insurance products including:
-
Income Protection - to protect and coverage for you should you become sick or injured.
-
Trauma Insurance - coverage should you become seriously ill, but maybe able to return to work at a later date.
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Total and Permanent Disablement - to cover you should you suffer an injury or illness that would total and permanently incapacitate you from working.
-
Term Life Insurance - to cover loss of income by providing funds for repayment of debt to your creditors or to secure a business obligation should you die.
-
Business Insurance - this is designed to cover for business expenses if you are self employed and unable to perform work.
We offer advice on a range of risk insurance products including:
-
Income Protection - to protect and coverage for you should you become sick or injured.
-
Trauma Insurance - coverage should you become seriously ill, but maybe able to return to work at a later date.
-
Total and Permanent Disablement - to cover you should you suffer an injury or illness that would total and permanently incapacitate you from working.
-
Term Life Insurance - to cover loss of income by providing funds for repayment of debt to your creditors or to secure a business obligation should you die.
-
Business Insurance - this is designed to cover for business expenses if you are self employed and unable to perform work.
The Dollar and The Old Man
The dollar or ringgit you makes today, half of it belongs to the old man down the road , 50 years, 40 years, 30 years, 25 years or probably less than that.
Be money wise, don't let the youth take away the life of the old man.
Life in elderly age is meaningless without happiness, happiness is meaningless without survivalship, and survivalship is meaningless without dollars and cents.
Bear that in mind and be wise with spending.
Save today, survive tomorrow.
Retirement Planning - A Choice Not Fate
RETIREMENT PLANNING
•
Retirement is one of the most important life events many of us will ever experience.
From both a personal and financial perspective, realizing a comfortable retirement is an incredibly extensive process that takes sensible planning and years of persistence.
Even once it is reached, managing your retirement is an ongoing responsibility that carries well into one's golden years.
•
For most people retirement is time to look forward to having more time to enjoy the things they love most. Most of us will be pondering on major decision such as:
•
For most people retirement is time to look forward to having more time to enjoy the things they love most. Most of us will be pondering on major decision such as:
- When will I retire?
- How much money do I need for the retirement?
- Will I be able to afford the lifestyle I desire?
- Where can I get help if I need it?
•
Experience has shown that early planning will allow our clients to make the most of their money.
As professional advisors we show you how to maximize your retirement income.
Retirement is A Choice and Not a Fate destined by Time.
Time is NOW!!
The right choice land us in the correct path to a enjoyable retirement.
Our Services -Make Us Your Preferred Choice in Financial Planning
Offering Personalized ServiceYour financial objectives and goals are unique to you.
1.
We will work with you closely and offer personalized advice tailor-made to assist you to reach your financial goals and aspiration.
2.
We Act As Financial Coach and we are there to listen to and understand your concerns and be able to answer your questions and clarify doubts on financial issues and explain in depth, concepts , plans and strategies.
3.
We help Conceptualized Your Goals -Converting your dreams to reality .
We can assist you to accurately define your financial goals and work with you to prioritize those goals. In turn, unclear and vague goals turn into realistic ones.
4.
Road Map To Achieve Financial goals
A financial goal is the ultimate destination. We provide the road map to reach your goals and we have the knowledge and expertise to design and cater a comprehensive plan to achieve your goals.
5.
Selection Of Correct Financial Tools.
There are various financial tools on the market to help you achieve your goals. The task of sorting through all the options can be overwhelming.
We assist in narrowing the choice to those that best fit your goals and objectives.
You would then be in a better position to make an informed choice.
6.
Proactive Management
With a clear understanding of your financial goals can bring investment opportunities to your attention and to keep you abreast of the changes in financial environments that may affected your plans and recommend required adjustments necessary to accomplish.
1.
We will work with you closely and offer personalized advice tailor-made to assist you to reach your financial goals and aspiration.
2.
We Act As Financial Coach and we are there to listen to and understand your concerns and be able to answer your questions and clarify doubts on financial issues and explain in depth, concepts , plans and strategies.
3.
We help Conceptualized Your Goals -Converting your dreams to reality .
We can assist you to accurately define your financial goals and work with you to prioritize those goals. In turn, unclear and vague goals turn into realistic ones.
4.
Road Map To Achieve Financial goals
A financial goal is the ultimate destination. We provide the road map to reach your goals and we have the knowledge and expertise to design and cater a comprehensive plan to achieve your goals.
5.
Selection Of Correct Financial Tools.
There are various financial tools on the market to help you achieve your goals. The task of sorting through all the options can be overwhelming.
We assist in narrowing the choice to those that best fit your goals and objectives.
You would then be in a better position to make an informed choice.
6.
Proactive Management
With a clear understanding of your financial goals can bring investment opportunities to your attention and to keep you abreast of the changes in financial environments that may affected your plans and recommend required adjustments necessary to accomplish.
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