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Let's meet up Malaysian...

"3 Minutes" Brief
(by Bernard Tan Min Chun)

Hi Malaysian,

If you stay in Penang, Malaysia
I would like to catch up with you over a cup of
coffee.

We are pleased to invite you to the mentioned
function:

FUNCTION : Seminar on "Estate Planning and
Distribution" organized by Rumah Nur for the
benefit of the general public

DATE : 08th June 2008 (Sunday)

TIME : 3pm - 5pm

VENUE : Anjung Wanita
1st Floor, Kompleks Masyarakat Penyayang,
( Near General Hospital Penang/ Pulau Pinang, Malaysia )

SPEAKER : Jeny Lim Hong Ngo [AMN, PJM] RFC,USA ,
formally served with Amanah Raya ( Government
Department Handling Estate Distribution)
She has more than 10 years experience in handling
estate planning cases. She will share with you how to
Preserve, Protect, Plan and Distribute Your Estate.

ISSUE : Most Malaysians are not aware of the
process of estate distribution. Many people are
reluctant to talk about death. Thus people's
knowledge on this subject is limited and some
cases almost nil. Therefore in the event of a death,
the beneficiaries will face diffulties in the distribution
of the deseased estate. The amountof unclaimed
estates of the deceased in Malaysia hassurprisingly
accumulated to a staggering figure of RM 40 Billion.

Thank you

For any Clarification, Please do contact...

Your partner in success,

Bernard Tan Min Chun,

ph.017- 482 5660

Phone. +6(04)228 0088

Fax. +6(04)229 0088

http://emarketexpo.blogspot.com/

Email: ewealthexpo@gmail.com

Skype: bernardtan81

P.S.Feel free to share this information with your family,
friends and associates.

P.P.S. Among the services that we provide are such as :
Debt-Free Solution, Estate Administration Strategies,
Financial Security, Tax Planning, Education & Training,
Wealth Accumulation

*Sichuan Quake Fund Online Donation

http://www.google.com/chinaearthquake/

https://mystar.com.my/donation/sichuan/


26-B RANGOON ROAD,
10400 PENANG,MALAYSIA

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Do you know ?

Average of Malaysian Home buyer
is paying their Lender about
RM 60,000 more than necessary ?

There is a Better Way

Since 1988, the Equity Acceleration Program (EAP)
from United States has been helping thousands of
Americans save TENS OF THOUSANDS of dollars in
unnecessary interest expense, helping them pay off
their Loan or mortgage debt years earlier!!

“IT HAS NOW ARRIVED IN MALAYSIA”

Now You Can Save up to 90% of your Home Loan Interest!

"3 Minutes" Brief

(by Bernard Tan Min Chun)

To: All Property & Loan Owner,

PLEASE READ EVERY WORD VERY CAREFULLY.

I have to first say...

Friend, you've been warned!

And I'm serious.

I'm not sure that last person I shared this

with has even forgiven me for sharing it to him/ her.

Either way, I'll you've been warned and I

will share it with you...

- Have you ever heard about

Amortization Schedule?

- Where you informed by your lender?

* Here are some facts your lender does

not want you to know:

CASE A:

If YOU have a RM150,000 Home Loan

Mortage Amortized for 30 years

with an interest Rate of 6.75% p.a.

and Monthly Payments are RM972.90.

# After paying RM58,434 for 5 years,

you have only paid RM9,186 (6%) out

of the RM150,000 you Borrowed.

# After paying RM175,122 for 15 years,

you have only paid RM40,057 (27%) out

of the RM150,000 you Borrowed.

# After paying RM256,845.60 for 22 years,

you still owe 50% of the RM150,000 you Borrowed.

# In order to Pay Off your Home Loan,

you have to pay RM350,242.97 and

RM200,242.97 goes to INTEREST.

=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=

So What can you Do To Beat the Interest?

- Don't Worry!!! We Can Help You...
( Benefits )

+ SAVE 10% - 90% on Home Loan Interest

+ SHORTEN by 10% - 90% of Repayment Time

+ Payoff Your Loan Before Retirement

+ Own More & Larger Properties

+ Live A Debt Free Lifestyle

=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=
Have You Ever .....

~ Made Extra Payment Using EPF ?

~ Made Extra Payment Using Fixed Deposit ?

~ Made Extra Payment Using Savings ?

~ Made Extra Payment Using Annual Bonus ?

~ REFINANCE Your Home Loan ?

in order to SAVE Your Home Loan INTEREST ?

WARNING :
* If you say "YES", you may thrown away

THOUSANDS of Extra Dollars (RM) in interests

to Your Corresponding Lender due to lack

of Knowledge in The Truth of Mortgage

Reduction Packages in MALAYSIA.

=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=

Do you Know where your EXTRA PAYMENT is

paid to? Where does your hard earn money

goes to?

Let PPS Show You How Much You Can SAVE?

* Refer to Case A, If you Pay An Extra

RM25,000 in order to SAVE your Home Loan

INTEREST

"Lender vs. PPS"

(i) Lender
Total Interest : RM 166,869
Save Interest : RM 33,374
% : 17%

(ii) PPS
Total Interest : RM 97,986
Save Interest : RM 102,257
% : 51%

# PPS does not only helps you to save

the HUGE INTEREST but also help you

to SHORTEN your Tenure by 130 months

( PAY OFF in 230 months)

For any Clarification, Please do contact...

Your partner in success,
Bernard Tan Min Chun,

your Home Loan Saver
ph.017- 482 5660

Phone. +6(04)228 0088

Fax. +6(04)229 0088

http://ewealthexpo.blogspot.com/

Email: ewealthexpo@gmail.com

Skype: bernardtan81

P.S.Feel free to share this information with

your family, friends and associates.

P.P.S. Among the services that we provide are such as :
Debt-Free Solution, Estate Administration Strategies,

Financial Security, Tax Planning, Education & Training,

Wealth Accumulation

26-B RANGOON ROAD,

10400 PENANG,MALAYSIA

=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=

大马蓝海~如何开创无人竞争的全新市场

2007年5月20日，世界著名的实战型企业经营管理教练~余世维博士，来到马来西亚，100多名全马各地及新加坡的总裁、总经理来到现场听余博士用生动与丰富的案例，解说跳脱搏杀竞争激烈的红海，迈入宽阔的蓝海的重要性。

----------

余 博士说到，四流的企业杀价格，三流的企业拼服务，二流的企业搞品牌，一流的企业定规格。若一个企业一天到晚都在想着不停的杀价来迎合客户的需要，大不了它 是四流的企业。真正厉害的企业是定规格的企业，一旦规格定了出来，其他的竞争者就只能跟着一流企业的脚步走。举例，全世界最庞大的超市如沃尔马百货、嘉乐 福百货，他们是一流的企业，定下了超市的规格，只要全世界哪个角落谁要是想要开办百货市场，它的规格一定是跟着一流的企业。

余 博士指出，一个企业必须秉持着八字真决，即是消除、减少、提升、和创造，一般在企业来说，一些对客户不必要的价值就要消除，一些对客户来说是多余的就要减 少，一些客户在意的价值就要把它提升，还可以创造出客户意想不到的价值。余博士提到，零和游戏指的是比如一个面包大家一起吃，你多咬一口，我就少吃一口， 通常竞争者都会搞到头破血流，蓝海策略的概念就是要离开这个面包，自己再去烤一个饼，同时，企业也要掌握烤饼的技术门槛，才不会轻易的让竞争者进来共享这 个饼。好比钓鱼，假设一个钓场挤满了好多人，你在进来恐怕没那么容易让你钓到鱼。要你离开这个钓场，再去寻找另外一片鱼塘，钓到鱼的几率就会大大提升，同 时刚才所提到的技术门槛，意思好比在新池塘钓鱼是旁边牵着一只恶狗，让其他人不能进来。

进入蓝海的时机也是很重要的，太早进入，可能会变成革命先烈，一口被鲨鱼给吃了，太慢进入，鱼却会被其他人给钓光了。而蓝海，在其他企业竞争跟随后就会再次成为红海。所以，余博士认为，做生意没有轻松的一刻，必须努力的不断去研发，找出差异化。整个课程的进行约8小时，余博士教导了企业家如何拟定蓝海策略的步骤、企业如何朔造新价值、如何同时追求差异化的低成本、如何摆脱竞争对手、如何跨越现有的需求、探索非顾客群等等。。

任何有关更详细的内容，请联络无限潜能研究所

Bernard Tan Min Chun
Email : ewealthexpo@gmail.com

Phone : +604 228 0088
Fax : +604 229 0088

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