Sky is the Limit: November 2008

Thursday, November 27, 2008

Christmas Carol...

You'd better watch out
You'd better not cry
You'd better keep cash
I'm telling you why:
Recession is coming to town.

It's hitting you once,
It's hitting you twice
It doesn't care if you've been careful and wise
Recession is coming to town

It's worthless if you've got shares
It's worthless if you've got bonds
It's safe when you've got cash in hand
So keep cash for goodness sake, HEY You'd better watch out

You'd better not cry
You'd better keep cash
I'm telling you why:
Recession is coming to town!

Finance products are confusing
Finance products are so vague
The banks make you bear the cost of risk
So keep out for goodness sake,

OH You'd better watch out
You'd better not cry
You'd better keep cash
I'm telling you why:
Recession is coming to town.

Monday, November 24, 2008

Im Home after a Tough Day

Hi brothers and sisters, im just back home approximately 8.30pm. It might still early but my mind was exchausted. Last nite i really did not slept much because my mind was working hard as i already anticipated a lot of tasks need to be done. During day and nite time on sunday, i was planning my work for today, think of the "words" to speak to my customers so not to hurt them.

Well, since i anticipate a tough day for today, i woke up at 6.45am as usual. Before i went to office, i make time to pray Kuan Yin at my wife house for blessing. I promised Kuan Yin that i work very hard everyday and i never let "her" dissapointed. I arrived office at 8am and used to be the first one in office and quickly began with my paperworks. The paperwork was really a bulk of it, always never get done, unfortunately the agency clerk cabut already, and when i logon to my company portal, it was system done. Shit, can't do anything about it, no complaint but to report to HQ as soon as possible and i manage to get it done after lunch. My boss seem so happy about it, got somebody to do the job for him.

Then, i called up my customer where his nephew admitted to General Hospital yesterday, he was a young man, honestly i never met him before yet he is my customer, his uncle used to deal with me and paid for his premium. This young man never back home to Tapah and was met with accident at about 4am according to police report and fell down to nearby drained and left coma. Then, his friends who went along him never wait for ambulance to arrive and sent his buddy to Hospital Ipoh by motorcycle, unbelievable.! He had an operation at about 8am yesterday to remove the blog clog inside the brain. The operation was successful and was sent to ICU for monitoring. He had about 100 relatives and friends outside the ICU, gosh, until u can't breath, so many of them. Then today, his uncle asked me to prepare transfer his nephew to private hospital, and i prepared but his uncle said not for time being citing the NEUROSERGEON fly all the way from KL to treat him and was one of his father best buddy. What a small world, thus i continue with my work.

Next, i have to prepare a customer who would like to meet me at my office, tell you something, in insurance, when customer come to your place usually not a good news, that what i encounter for the, past 6 years, so true it was piece of bad news. The customer came with all her family members meet me at my office, i already prepared all the documents to answer her objection and to satisfy her. She have some doubts about her investment linked policies and went to Ipoh RSC to seek clarification. The answers by the staff make her so worried and immediately call me and scold heavily by her. I stay cool, calm all the time during the tele conversation and arrange for a face to face meeting. i invite her to come to my office and she did make herself available today and we spend about 1 hours in discussion. I explained everything again to her together with hard facts, she was impressed with me and my tone voice was humble all the time, never raise my voice everytime. Done, she was smiled all the way and decided to continue the policy that she bought, i was so happy about it, all the "thinking" on sunday did not waste at all.

Once done, i went to collect premium at customer place and then Agency Director would like to meet me on my business plan as Unit Manager and we discussed about 2 hours. Then, im so tired but i have to be at OLYMPIA COLLEGE about 6.30pm to meet some of the students to assist them in writing thesis. But i arrived at 7.30pm, an hour late, i got to apologize to them and manage to guide them smoothly. I stop lecturing for a while coz i really don't have much time in my timetable and to be honest during my lecture days, im so popular among the students and almost everyone would like me to become their research supervisor. However, im only allowed to have 6 students maximum, left many of them dissapointed.

At 8.30pm im done, my mind blanked and i have to be back coz my mom always wait for me dinner and we chat during the dinner. I asked her to help me to buy bus ticket to KL on thusday to meet my dad. While im blogging, my mom went to my room and informed me that my brother Henry and his gf Karen got a new job which introduced by my dad and a good pay also. Hey bro, remember to treat your DAD a good lunch, he work so damn hard everyday, don't let him dissapointed ok. I will do the same.

Ok, im so tired, will go to bed soon..take care.

Have a nice day.

Quote of the Day

" Whatever you give a woman, she's going to multiply. If you give her sperm, she'll give you a baby.If you give her a house, she'll give you a home. If you give her groceries, she'll give you a meal.If you give her a smile, she'll give you her heart. She multiplies and enlarges what is given to her. So - if you give her any crap, you will receive a ton of shit. " Love and appreciate all the women in your life.

best wishes for the day...my timetable was pack for today, best of luck!!!

Thursday, November 20, 2008

Ducks Quack and Eagle Soars

A real classic........a little something I would like to share with you :)

Ducks Quack, Eagles Soar.....................

No one can make you serve customers well. That's because great service is a choice. Harvey Mackay, tells a wonderful story about a cab driver that proved this point. He was waiting in line for a ride at the airport. When a cab pulled up, the first thing Harvey noticed was that the taxi was polished to a bright shine. Smartly dressed in a white shirt, black tie, and freshly pressed black slacks, the cab driver jumped out and rounded the car to open the back passenger door for Harvey .

He handed my friend a laminated card and said: 'I'm Wally, your driver. While I'm loading your bags in the trunk I'd like you to read my mission statement.' Taken aback, Harvey read the card. It said: Wally's Mission Statement: To get my customers to their destination in the quickest, safest and cheapest way possible in a friendly environment. This blew Harvey away. Especially when he noticed that the inside of the cab matched the outside. Spotlessly clean! As he slid behind the wheel, Wally said, 'Would you like a cup of coffee? I have a thermos of regular and one of decaf.' My friend said jokingly, 'No, I'd prefer a soft drink.' Wally smiled and said, 'No problem. I have a cooler up front with regular and Diet Coke, water and orange juice.' Almost stuttering, Harvey said, 'I'll take a Diet Coke.' Handing him his drink, Wally said, 'If you'd like something to read, I have The Wall Street Journal, Time, Sports Illustrated and USA Today.' As they were pulling away, Wally handed my friend another laminated card.. '

These are the stations I get and the music they play, if you'd like to listen to the radio.' And as if that weren't enough, Wally told Harvey that he had the air conditioning on and asked if the temperature was comfortable for him. Then he advised Harvey of the best route to his destination for that time of day. He also let him know that he'd be happy to chat and tell him about some of the sights or, if Harvey preferred, to leave him with his own thoughts. 'Tell me, Wally,' my amazed friend asked the driver, 'have you always served customers like this?' Wally smiled into the rear view mirror. 'No, not always. In fact, it's only been in the last two years. My first five years driving, I spent most of my time complaining like all the rest of the cabbies do. Then I heard the personal growth guru, Wayne Dyer, on the radio one day. He had just written a book called You'll See It When You Believe It. Dyer said that if you get up in the morning expecting to have a bad day, you'll rarely disappoint yourself.

He said, 'Stop complaining! Differentiate yourself from your competition. Don't be a duck. Be an eagle. Ducks quack and complain. Eagles soar above the crowd.'' 'That hit me right between the eyes,' said Wally. 'Dyer was really talking about me. I was always quacking and complaining, so I decided to change my attitude and become an eagle. I looked around at the other cabs and their drivers. The cabs were dirty, the drivers were unfriendly, and the customers were unhappy. So I decided to make some changes. I put in a few at a time. When my customers responded well, I did more.' 'I take it that has paid off for you,' Harvey said. 'It sure has,' Wally replied. 'My first year as an eagle, I doubled my income from the previous year.

This year I'll probably quadruple it. You were lucky to get me today. I don't sit at cabstands anymore. My customers call me for appointments on my cell phone or leave a message on my answering machine. If I can't pick them up myself, I get a reliable cabbie friend to do it and I take a piece of the action.' Wally was phenomenal.

He was running a limo service out of a Yellow Cab. I've probably told that story to more than fifty cab drivers over the years, and only two took the idea and ran with it. Whenever I go to their cities, I give them a call. The rest of the drivers quacked like ducks and told me all the reasons they couldn't do any of what I was suggesting. Wally the Cab Driver made a different choice. He decided to stop quacking like ducks and start soaring like eagles..

How about us? Smile, and the whole world smiles with you.....The ball is in our hands!

Saturday, November 15, 2008

Class with Warren Buffet

There was a one hour interview on CNBC with Warren Buffet, the second richest man who has donated $31 billion to charity. Here are some very interesting aspects of his life:

1. He bought his first share at age 11 and he now regrets that he started too late!

2. He bought a small farm at age 14 with savings from delivering newspapers.

3. He still lives in the same small 3-bedroom house in mid-town Omaha , that he bought after he got married 50 years ago. He says that he has everything he needs in that house. His house does not have a wall or a fence.

4. He drives his own car everywhere and does not have a driver or security people around him.

5. He never travels by private jet, although he owns the world's largest private jet company.

6. His company, Berkshire Hathaway, owns 63 companies. He writes only one letter each year to the CEOs of these companies, giving them goals for the year. He never holds meetings or calls them on a regular basis. He has given his CEO's only two rules. Rule number 1: do not lose any of your share holder's money. Rule number 2: Do not forget rule number 1.

7. He does not socialize with the high society crowd. His past time after he gets home is to make himself some pop corn and watch Television.

8. Bill Gates, the world's richest man met him for the first time only 5 years ago. Bill Gates did not think he had anything in common with Warren Buffet. So he had scheduled his meeting only for half hour. But when Gates met him, the meeting lasted for ten hours and Bill Gates became a devotee of Warren Buffet.

9. Warren Buffet does not carry a cell phone, nor has a computer on his desk.

His advice to young people:

"Stay away from credit cards and invest in yourself and Remember:

A. Money doesn't create man but it is the man who created money.
B. Live your life as simple as you are.
C. Don't do what others say, just listen to them, but do what makes you feel good.
D. Don't go on brand name; just wear those things in which you feel comfortable.
E. Don't waste your money on unnecessary things; just spend on things that you really need.
F. After all it's your life, then why give others the chance to rule your life."

Relatioinships as a Busy Street

In looking at your life, do you feel as if you're standing in the middle of a busy street and noisy traffic is careening all around you? You're so busy avoiding the chaos, you don't take the time to understand your entrapment.

But if you make your way out of the traffic by stepping up on the curb, you can observe all the movement and see that no matter how busy the street, there are clear areas -- breaks in the traffic. Next, imagine yourself going up to the fourth floor of a tall building and looking down upon the street. It looks different from here. There is direction and flow. And from this perspective it does not have much to do with you. It is just going on.

And if you go on up to the top of this tall building and look down you will see that the traffic is simply patterns. From here you can see other streets that are part of the patterns. Areas of difficulty, where the traffic gets stuck, are just part of the whole -- not good or bad, just part of life.

The more self-actualized you become, the more you can appreciate the flow, and jam-ups, and patterns as what is. You learn to become a witness of life, without getting caught up in the drama. This is learning to be in the world but not of it. From this perspective, you can see the confusion for what it is, and return to the street in the middle of the traffic without being affected by it.