I am a Unit Trust consultant and I have been one for the past 9 years.. yup, since 2002!!! I may not be your so called successful agent who's driving a Mercedes or a BMW, earning 5 to 6 figure incomes, but nevertheless, I am successful in my own way.
I have been a National Sales Convention qualifier year after year since 2006 and a Million Ringgit Producer every year for the same number of years.
I came from a broken home, had a miserable childhood, struggled to make ends meet, was a single mom, and just finished school with a grade 2 in SPM. I did not know where I was going and what I was doing. Oh, I had dreams to marry a rich man but even though there were rich or very well to do men wanting to fulfill my dreams, I just couldn't go through with it because I did not love them.
I was bored easily, hated going to work from 9 to 5 and staring at the same 4 walls or people for too long, and I never worked in a place for more then 3 years. I have worked in Sunway Lagoon, Penang Parkroyal, The Ritz Carlton, Warner Music Malaysia , just to name a few...
It as by sheer chance , upon coming back from overseas, after a holiday upon quitting my last job that I happened on an advertisement in the Star newspaper looking for unit trust consultants with Public Mutual Bhd. It seemed interesting for me, and I went for the Business Opportunity Meeting and was signed up by my upline, Hamidah.
I was hopeless at meeting people and balked at the thought of making cold calls. And when following my upline and some colleagues on roadshows and such, froze when my upline urged me to approach someone to solicit sales. My upline all but gave up on me.
I was lucky though I manage some nerve to talk to a few slightly higher nett worth people and they invested their EPF funds with me and that kept me going. I had some income but it as not much.
Finally with my upline and side lines (colleagues under the same group) urging, tutorial and all, I finally broke out from my shell and did more or less what was expected of me.
I fell in love with one of my colleagues who helped me a lot and guided me a lot. He was a divorcee just like me, and after about a year of seeing each other, we got married.
It was he who encouraged me a lot, pointing out what would happen if I give up (I have to back to work and earn pittance and stare at the same four walls etc... no time to myself and such)
and it was for my children I decided to work harder.
That is how I got to where I am today. The other beautiful part of being a unit trust consultant like me is I have no boss, and I go to work whenever I like. There are times I work just 2 or 3 days a week, there are times I go to work late or come back early. There are times I just skip work altogether just to spend time with my children, especially when they are unwell. It's the freedom of not having to report to anyone and just taking time off whenever I like. There are times, I just see a client a day and run off to go shopping or watch a movie on my own.
And oh... every year, I get to go on free trips... all paid for... I sold of tickets to Kunming and Ho Chih Minh trips to my colleagues as I was dumb in the beginning, and went to Bali, Phuket (as you can see in the pictures here)... all in 5 star hotels and 5 star tours and meals... we don't have to pay a single cent except for your shopping.... and next year??? I am heading to Tokyo, Japan....... anyone coming????
And the best thing? I earn so much more then I would earn working for someone in the office. I earn 2-3 times more and sometimes on a hardworking month, even 4-5 times what I would earn getting scolded or having to clock into the office from 9 to 5.
Well, I know I can earn so much more if I want to and if I am willing to put in more effort, but hey, I want to enjoy my life, my husband and my children's growing years as well, instead of being just a workaholic and thinking about dollars and cents. Thus I choose to be a simple, average unit trust consultant instead earning enough to give my family a comfortable life... and managing my clients the best I can. To any of my clients (if you are reading this) Thanks for all the support you have give me.... I will endeavor to do my best.
To anyone interested in joining me or exploring a career in unit trust like me, and enjoying your time, feel free to contact me : Miera at 012 3386033 or Dzul at 017 6830333
Oct 27, 2011
Oct 20, 2011
|When you want to do something, just do it!!! Look what the price of procrastination has caused me.. I was browing through the Kinokuniya bookshop here and an ad really drew my attention. Buy the magazine and a chance to win a free Brics Milano bag worth RM399 or a Laura Mercier toiletries set, and also a chance to win a watch worth RM3000! !!!|
Thousands greet Javanese royal couple
Yogyakarta’s iconic street, Jl. Malioboro, was flooded by some 40,000 onlookers hoping to catch a glimpse of Yogyakarta’s new royal couple during their parade for the wedding reception on Tuesday.
Using five royal carts, the entourage of Sultan Hamengkubuwono X’s youngest daughter, Gusti Kanjeng Raden Bendara, and her husband, Kanjeng Pangeran Haryo Yudanegara, left the palace’s Keben gate at 4 p.m.
Riding the Kyai Jong Wiyat cart, the royal couple paraded along Jl. Malioboro to the Bangsal Kepatihan at the gubernatorial office compound located on the same street.
“It’s a relief that I finally saw the royal couple,” said Hartini, 55, of Patalan village in Bantul regency.
“I really wanted to see the couple riding on the sacred cart,” said Martinah, 65, who took her two daughters and grandchild to the parade.
The enthusiasm was evident along Jl. Malioboro since early Tuesday, as celebrants held a so-called “people’s party” to be part of the royal wedding. The street party offered various traditional performances, not only from Yogyakarta, but also from other regions such as East Java and East Nusa Tenggara.
The palace prepared over 150 angkringan carts serving various drinks, snacks and foods for free along the street, which was decorated with janur (young coconut leaves).
The wedding ceremony (ijab qobul) took place at 7 a.m. at the palace’s Panepen Mosque, led by the Sultan himself using honorific Javanese language. Yudanegara — whose original name was Achmad Ubaidillah and who is from Lampung — also said his wedding vows in Javanese. The procession ended with the signing of the prenuptial certificate.
Yudanegara, in a traditional white suit, offered sungkeman (kneeling down to present his respect) to the sultan.
His greeting was followed with the panggih (the meeting of the bride and the groom) ritual at the palace’s Bangsal Kencana verandah at about 10 a.m. Some 2,000 guests — including President Susilo Bambang Yu-dhoyono, First Lady Ani Yudhoyono, Vice President Boediono and other VIPs — witnessed the ritual.
Also in attendance were former vice presidents Jusuf Kalla and Hamzah Haz. Former president Megawati Soekarnoputri also came to the palace, but arrived only after Yudhoyono had left.
The panggih ritual included throwing betel leaves, stepping on an egg and the bride washing the groom’s feet. It ended with a pon-dhongan (carrying the bride on top of the groom’s and the bride’s uncle’s arms) ritual to symbolize the husband’s obligation of respecting and protecting his wife.
“I am happy that everything has run smoothly so far as expected,” Sultana GKR Hemas said.
Her eldest daughter, GKR Pembayun agreed. “I also want to extend our gratitude to all Yogyakartans for their participation.”
Thimphu : The “Dragon King” of Bhutan married the 21-year-old daughter of an airline pilot Thursday in a ceremony at which there was a notable lack of bizarre hats (like those seen earlier this year at the British royal wedding), but a great deal of color and stately beauty.
The new queen, Jetsun Pema, a student at London’s Regents College, had ordered several elaborate traditional national dresses, or kiras, from Bhutanese weavers. The one she wore was handwoven of raw silk. The crown that was perched on her head at the ceremony also was embroidered with silk. At one point, King Jigme Khesar Namgyel Wangchuck donned a crown adorned with a raven’s head.
The king, 31 and a graduate of Oxford, was as brightly dressed as his bride, with an eye-grabbing yellow sash. If his hair and sideburns carried hints of latter-day Elvis Presley, there’s a good reason: Apparently, the king is a big fan of the King of Rock ‘n’ Roll.
MSN India called the event a “watershed event for the Dragon Kingdom.” The tiny Himalayan nation has been transfixed by the wedding. As Reuters reports, TV was introduced there only in 1999, and the ceremony was broadcast live.
The royal couple apparently met when aged 17 and 7 respectively at a family picnic in Thimphu. The then-prince got down on his knees and said “when you grow up, if I am single and not married and if you are single and not married, I would like you to be my wife, provided we still feel the same,” he told students in August.
Despite the romantic tale, residents had come to view the king, who came to power in 2008 with the start of democracy in Bhutan, as a foot-dragger when it came to finding a wife. According to Al Jazeera, the nation had grown increasingly “impatient with its king’s lack of urgency to tie the knot.”
And like Britain and Kate Middleton, Bhutan fell in love with Pema, whose “international looks” have been praised widely.
Oct 19, 2011
(You MUST READ THEM OUT LOUD or it doesnt make as much sense):p
1. Thats not right ~~ Sum Ting Wong
2. Are you harboring a fugitive ~~ Hu Yu Hai Ding
3. See me ASAP ~~ Kum Hia Nao
4. Stupid Man ~~ Dum Fuk
5. Small horse ~~ Tai Ni Po Ni
6. Did you go to the beach? ~~ Wai Yu So Tan
7. I bumped in to a coffee table ~~ Ai Bang Mai Fa Kin Ni
8. I think you need a face lift ~~ Chin Tu Fat
9. It's very dark in here ~~ Wao So Dim
10.I thought you were on a diet ~~ Wai Yu Mun Ching
11.This is a tow away zone ~~ No Pah King
12.Staying out of sight ~~ Lei Ying Lo
13.He's cleaning his automobile ~~ Wa Shing Ka
14.Your body odor is offensive ~~ Yu Stin Ki Pu
15.Great ~~ Fa Kin Su Pah
**For the losers who didn't get it..... You are dumb !!!!!**
Oct 18, 2011
Cure urinary tract infections with Alka-Seltzer. Just dissolve two tablets in a glass of water and drink it at the onset of the symptoms. Alka-Seltzer begins eliminating urinary tract infections almost instantly-even though the product was never advertised for this use.
Honey remedy for skin blemishes... cover the blemish with a dab of honey and place a Band-Aid over it. Honey kills the bacteria, keeps the skin sterile, and speeds hea lin g. Works overnight.
Listerine therapy for toenail fungus: Get rid of unsightly toenail fungus by soaking your toes in Listerine Mouthwash. The powerful antiseptic leaves your toenails looking healthy again.
Easy eyeglass protection... to prevent the screws in eyeglasses from loosening, apply a small drop of Maybellin e Crystal Clear Nail Polish to the threads of the screws before tightening them.
Cleaning liquid that doubles as bug killer... if menacing bees, wasps, hornets, or yellow jackets get in your home and you can't find the insecticide, try a spray of Formula 409. Insects drop to the ground
Hunt's Tomato Paste boil cure... cover the boil with Hunt's Tomato Paste as a compress. The acids from the tomatoes soothe the pain and bring the boil to a head.
Oct 16, 2011
My two cents on this. I have been wearing practically the same pair of jeans for the past 10 years. And actually the same size for more then 15 years.
"I am fear. I am the menace that lurks in the path of life, never visible to the eye but sharply felt in the heart. I am the father of despair, the brother of procrastination, the enemy of progress, the tool of tyranny. Born of ignorance and nursed on misguided thought, I have darkened more hopes, stifled more ambitions, shattered more ideals and prevented more accomplishments than history could ever record.
"Like the changing chameleon, I assume many disguises. I masquerade as caution. I am sometimes known as doubt or worry. But whatever I'm called, am still fear, the obstacle of achievement.
"I know no master but one. It's name is understanding. I have no power but what the human mind gives me, and I vanish completely when the light of understanding reveals the facts as they really are, for I am really nothing."
"You see, if you have the courage to acknowledge your fears, you will be taking the first step toward controlling them instead of them controlling you. And if you take the next step toward understanding, you will be able to move past them to compassion,... perhaps even to love."
Oct 6, 2011
This is a picture of a Malay style Char Koay Teow, usually cooked with prawns, cockle shells, flat rice noodles, beansprouts and egg. This is one of my favourite dishes I can rarely say 'no' to. It might seem unappetizing here in the picture to some, but it is somewhat quite delicious.
Oct 5, 2011
The saying goes. . . "spare the rod and spoil the child", but nowadays, even a teacher slapping a student is liable for child abuse when they use to condone public caning in school. As a result, quite a number of children are nowadays big bullies and hoodlums, where peers and even teachers fear them. Heck, even their parents fear them. Shockingly, they begin as early as even year 1 (standard 1) as I continuously have to comfort or counsel my little girl as her friends would threaten not to 'friend' her if she did not give or loan them, without much possibility of getting the money back, some money.
After being so ill and suddenly weak for more then 36 hours. I think I slept at least 26 hours away. . . I decided to force myself back to activity and well. . . Seeing my beloved husband had some appointment in Bangsar, I went to Bangsar Village to kill time and so call strengthen myself.
Oct 2, 2011
(Tijah ingin memutuskan perhubungan dengan boyfriend Mat Salleh nya. .
Tijah is a Malay girl who wanted to break up her relationship with her European boyfriend. . She couldn't bring herself to face him, so she decided to send him a letter using the dictionary. This is the letter
Hi, my motive write this letter is to give you know something.
My girls and I caught up with my cousin, and we went for lunch at Tony Roma's in Sunway Pyramid.
Countries I have been to....
mieranadhirah has been to: Australia, Belgium, Cambodia, People's Republic of China, Denmark, France, Germany, Hong Kong, Indonesia, Ireland, Japan, Malaysia, Netherlands, Singapore, South Korea, Sri Lanka, Taiwan, Thailand, United Kingdom, United States.
Get your own travel map from Matador Network.
Miera Nadhirah Tan
- A mother of three grown children who loves travelling, photography, food, trying beauty products and so on...I am a full time blogger and enjoy sharing about my experiences, my travel, the things I enjoy..For invitations, events, product reviews etc, pls email me at firstname.lastname@example.org
- ► 2016 (446)
- ► 2015 (536)
- ► 2014 (789)
- ► 2012 (136)
- why I choose to be a Unit Trust Consultant
- The price of procrastination
- Javanese Royal Wedding in Yogyakarta 18/10/11
- King of Bhutan marries.... 14th October 2011
- LEARN CHINESE IN 5 MINUTES :
- A traditional Javanese Royal wedding by the royal ...
- A weird happening. . .
- some helpful tips
- funny pic
- Mana mak? (SHARING)
- Help. Someone shrank my jeans!!!!
- Char koay teow - The Malay version.
- Discipline or abuse?
- Brunch at The Loaf
- A Malay translated break up letter. . .
- Lunch at Tony Roma's
- ▼ October (18)
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