Give More and You Shall Receive More!

Good day everyone! To all Muslims, it has been a fine fasting month and the festivities are going to come soon (tomorrow in fact!). Therefore, I would like to wish you all:


(picture taken from

Those of you who are in the KL area, do stop by my place to enjoy the available food and then we can catchup with each other as well.

Anyways, I want to write about the saying “Give and You Shall Receive”. I believe this expression holds true in most cases. The things that we give can be in any form, some of them being:

1. Money: To actually be a wealthy person, you must also have the spirit of giving back to the people in you. I learned this by observing a lot of wealthy people throughout the world, even in my own country, Malaysia. In the USA, we can see how the IT billionaire Bill Gates and his wife setup a foundation in order to give back to the community by doing research and innovation in the health, development and learning. (Refer to In Malaysia for example, there is Tan Sry Jeffrey Cheah of the Sunway Group who is doing quite a lot in the education field to give back to the community. Therefore, no matter what our financial status may be, we can always give to the unfortunate to make their lives better. Ultimately, by doing this a lot, you will end up realizing that these small efforts that you put in into making other people’s lives better do make a difference to your life too.

2. Time: Some people just want you to spend time with them. When I did community service for a primary school with deaf students back in July 2009, what I realized at that time was that these unfortunate kids do not really want your money, instead they really desired the time and attention that you can spend with them. Therefore, whenever you have time to participate in any charitable events, do join in and try to enjoy and learn about how others’ live can be made happier by simply spending some time with them.

3. Knowledge: People say “Knowledge is Power”. Before this, I have always had the mindset that I cannot share my secrets or tips to others because it would jeopardize my own chance to succeed. Thanks to a few people who I have had discussion with, that mindset has now been more towards “I need to share more knowledge to gain more knowledge”. With sharing of knowledge to others, we actually are empowering them to do something that they otherwise couldn’t have done without the knowledge. When the knowledge is applied and positive results are obtained, people will actually appreciate where the knowledge came from, which is you. Indirectly, they will consider you as a person they trust to share their ideas and knowledge for your benefit. Of course there are people out there who are selfish and never appreciate others even after obviously using the knowledge that they have learned from you. Still though, some level of confidentiality needs to be practised when sharing knowledge and ideas. Maybe the top-of-the-pyramid strategy that you have needs to be kept to yourself until it has been proven successful, by then only can you share this knowledge.

4. Love: I don’t mean giving love to others (especially those who you don’t know) in an affectionate way! Rather, what I mean is you should show more love when you are treating others. This can as simple as saying thank you when the waitress sends you the food, or as complex as listening to your friend’s problems and identifying the solution for them. I really like the expression “Love Makes the World Go Round” because I believe it is strongly true. Try to smile more, say “thank you” and “please” more, to the married couples – say “sorry” more etc and you will notice that other people will also treat you better than before.

With the Raya holidays coming up, maybe we can practise giving to others in order to enhance our philanthropic traits. By writing this article, I am actually giving my idea towards this issue so that others can benefit from it. Once again, have a fantastic holiday guys and do drop any comments or add-ons if you feel like em :)

No Pain No Gain!

We always hear the expression “No Pain No Gain”, whether it be from friends, colleagues, family members etc. Actually, this statement is very true and it can be applied in any field. Let met take the investment field for example and share what I understand by this phrase.

The term “No Pain No Gain” can be associated with the term “High Risk, High Reward” in investment. Because in investment, the higher the risk that we bear, the higher the return that we can reap, but also do not forget higher loss that we will incur if the investment goes bad. How do we actually know that an investment is low risk or high risk? Let me share with you characteristics of a high risk investment, and from there you can take the opposite of it to be low risk investment characteristics.

Determining amount of risk riding on an investment can be done by investigating the following characteristics:

1. Amount of $$$ riding on it: Simply said, the higher proportion of your money invested in something, the higher the risk you are taking. It goes back to the saying “Don’t put all your eggs in one basket”. For example, if you had RM100k and invested it all in property, it something goes bad then you will lose all your money. But if the property appreciates really well, your return will be maximized since you invested all your money in it. If you had invested RM50k in property and RM50k in shares,  then should something happen to the property investment, you will still have the RM50k you invested in shares. Therefore, do diversify, but do not overdiversify so that you can manage all your investments.

2. Volatility: Volatility refers to how fast the value of investment can fluctuate. High volatility means the value of investment can fluctuate on very short notice and low volatility implies that the value of investment is stable and will not fluctuate on short timeframe. One example of a volatile investment is the stock market. In just a few minutes, the price of a stock can go from RM0.20 to RM0.30 or from RM0.50 to RM0.25. So, if you’re holding mass quantities of these stocks, you will have either made a great gain or suffered a great loss. For more stable investments, go for property, bonds, unit trusts and some others which your investment value will not fluctuate on very short notice.

3. Type of Industry: Different industries have different risks riding on them. Generally, we can identify which industries are low risk and which are high risk. But to be specific, an industry can be both low and high risk, depending on other affecting parameters. In general, low risk industries are industries like banking, agriculture and food because these industries always have significant demand. High risk industries include construction, transportation and IT because in these industries, competition is getting tougher and tougher and companies need to have cutting edge talent and resources to be able to make good profit.

4. Personal Touch: We are all humans, and to a certain extent we trust those that have personal touch with us more compared to total strangers. To me, having looked at all the other 3 characteristics above, I will also need to look at whether the person that I am in contact with for that particular investment has a personal touch with me or not. If there is person A who is a total stranger, and person B who I personally know, which both of them can offer the same risk and return on investment after looking at all 3 items above, I will prefer person B. This is because choosing a person I personally know means there is lower chance of being cheated and taken advantage of. Plus, when we personally know their background, family, financial status and resources, we will have more confident and trust in the person, therefore we will feel less worried about an investment although it is high risk.

This has been quite an elaborate post. Hopefully you will benefit from it.  There are other small parameters that are used to determine risk of an investment, but what I shared above is just the significant ones. For further clarification, do not hesitate to post a comment or you can even contact me for a drink.

Happy fasting to all Muslims and happy Merdeka Day to all Malaysians! :)

Portal To The World of Riches: Your Own Website

(Click on the poster above to enlarge and read it)

In today’s rapid evolving technology and computing world, owning a website is really a must for those who are in business or entrepreneurship. Companies who have their own websites do far better on average compared to those who do not own one. The portal to the world of riches is only accessible for those own their own unique and powerful websites. Some advantages of owning your own company website are:

  1. Safe data storage where only authorized personnel can access
  2. Improves working efficiency and data management
  3. Safer and faster payment or booking transactions
  4. Credibility as a company who is adapting to latest technology
  5. Global reach
  6. Promising returns in future!

Kuasa Hijau Sdn Bhd (KHSB) is a company involved in ICT, engineering, green technology, logistics and marketing. The poster above is a PROMOTIONAL MERDEKA OFFER that they are doing in line with the Independence Day that is going to be celebrated on the 31st August 2010.  KHSB provides high end IT services to those who really want to grow and expand their businesses.

For those who are interested to purchase or enquire on this, please contact me at +60173260656 or En Hafiz at +60176900769. I ensure you that this investment will be the best you have made for your business!

Check out Kuasa Hijau Sdn Bhd at:

Certified “Sales”/Speaking Professional

Hi everyone, I just got back from a 2 day trip. Feels good to be back home and work on my blog :)

In May 2010, I attended a 2 days MAPS (Malaysian Association of Professional Speakers) National Convention 2010. The main speakers of the convention consisted of professionally recognized and skilled speakers. These are the speakers who are very highly paid in the speaking industry. The quality of speaking that was demonstrated by each speaker made me feel like a tiny ant walking among elephants! So i decided that I needed to join MAPS and gain as much knowledge and experience to one day become a certified and recognized professional speaker.

Check out MAPS website at the following:

Yesterday, Wednesday night, MAPS organized a MAPS@Work activity at Melia Hotel, KL. I arrived a bit late due to the jam and decided to take valet parking (which costs quite ok, RM20). One of the speakers for the night was Andrew Bryant, a Certified Speaking Professional of the Global Speakers Federation. When introducing him to the audience, the person talking accidentally addressed him as Certified “Sales” Professional instead of Certified “Speaking” Professional (don’t know whether it was intentional for laughs or he did mistakenly say it :p). Andrew is a very cool person and of course he made a joke out of it. But, in a way actually, to be a professional salesperson you also need to know how to speak well!

Speaking goes hand in hand with sales. The better you are at speaking, the more you can sell! But of course, other skills are needed too. We need to remember that what matters most to the target customers are how well you can speak and relate to their needs and wants. So far, I’ve managed to sell myself in corporate and investment fields. I am still new in speaking to sell products, but I’m willing to give it a try and learn what skills are needed in order to succeed in the sales business. That’s enough for now! Need  to get back to learning about speaking for sales :)

Join Ads4Bucks today!

I just joined Ads4Bucks a few days ago through my friend’s recommendation, Rahim.

He is one of the 69z key leaders. He works hand in hand with the young Online Millionaire Ahmad Zulfaisal to train new people in this business.

Ads4Bucks is a website similar to Facebook except this website is used more for entrepreneurship and business networking. By becoming a member of Ads4Bucks, you gain a lot of benefits for a very affordable price.

Some of the benefits that you gain are your own blog (which I am writing in now), access to Ads4Bucks E-Library which contains a whole lot of E-Books and templates for business proposals and documents, a Bio-Energy Card, use of SMS Blaster and many more. For those of you who are interested to make more money just from home, I would recommend you join Ads4Bucks and start doing stuff that can make you money from home.

Registration fee for 1 Business Centre (BC) is RM210, 4 BCs is RM840 (but there are rebates for registering more than one BC :p). Each person can only register up to 15 BC in Ads4Bucks.

Anyways, for those of you who are interested to know more about Ads4Bucks membership and benefits, do contact me at +60173260656 or email me at Better have something to do than just sitting at home idling aye!

If you are interested, pickup your phone or write me an email now! Do not procrastinate, because procrastinating will not do anyone any good :)

(image source:

Entering The World of Blogging!

Posted on July 31st, 2010 in Entrepreneurship,Investment,Personal Finance by muizal86

Hello everyone!

My name is Muiz..some people call me Al..I didn’t think I would start blogging one day..but here I am, about to start writing a blog..and I want to dedicate this blog to sharing knowledge on investing, financing and entrepreneurship

Gona write some real content later..for now I just got back home and need a rest :)