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From:
DAVID LIM, Jr.
Tuesday, January 06. 2010 (9.25am)
To: Fellow Malaysian
Dear FELLOW FRIENDS,
It has been more than 10 years since I started venturing into a career opportunity in Malaysia that is not-so-popular back then. Many of the people that I know were telling me I'm crazy (some even think that I'm living in a world of hallucination), when I told them, I wanted to embark on one of the best job and probably the top career opportunity in Malaysia. If I had taken their advice seriously, I wouldn’t be writing to you. This career opportunity that I am about to share with you has been allowing me to own my own practice, yet requires me to work no more than 5 days a week, but earns like a C.E.O!
Hi, my name is David Lim, Jr, and I'm just an ordinary person. I'm neither a space rocket scientist nor a business guru! I'm an ordinary person who wants to live an extraordinary life! Before I discover this job opportunity and perhaps an irresistible business opportunity here in Malaysia, I was jobless for 2 years after my graduation in July 1997! Pride really taken over my employment prospect when I graduated from Curtin University of Technology (Australia)! I really believed that with a degree, I could choose and select the best career of my choice…. Later, I found out I was too naïve :(
Desperation kicks in as my pocket as my saving was drying up like Sahara desert. The search began, after an intense search; I finally found myself a career in financial planning sector, on the 14 February 2000. The rest is history…
Today, I am managing a financial planning consultancy with 22 full time financial advisors and annualized revenue of $4,345,837.30. My income was far better than most C.E.O. (the average C.E.O. earns $200,000 per annum after tax), and the freedom I have is greater than many business entrepreneurs – I am sharing with you not to impress you, but you give you an real insight of what you can achieve. Why? When business is down, overhead expenses need to be paid, loan need to be serviced and capital is needed to sustain weak business environments. On the other hand, while a business is growing, many business owners entrap themselves with financial liabilities when borrowing is a must for a growing business, bad debts and longer working are unavoidable.
While I'm writing this message for you, my average financial planners are earning what a bank manager is earning, approximately $60,000 per annum and one of my top financial advisors is earning more than $250,000 per annum. They are merely an ordinary people when they first started, with no capital, no resources and no skill whatsoever. Today, they are living an extraordinary life and their working hours are no more than 5 days a week! If I am precise, they have all the time they wanted, for themselves, hobbies and families.
Today, I am glad I choose what Jobs Almanac coins the career in financial planning as the best career as well as the best business opportunity in the US and part of Asia. I didn't realize that I could build success for myself and groom the best out of ordinary people in the business of financial consultation and corporate planning. Whilst I read the headline that jolted most parts of the world, “World Financial Crisis is Expected Stay for The Year 2009 and 2010” along with stress-inducing stories of rising unemployment, sudden retrenchment, dissatisfaction at work as employees are overpaid, under worked. Every week we get to hear true stories and reports of business going under, declining profit margin for industries, so on so forth. This I believe, people can make two choices in life, to either contribute to such news or do something different TODAY!
In a nutshell, I want my fellow Malaysians out there to know that there is actually a great and satisfying opportunity TODAY and not tomorrow! Great enough that it actually allows you to work no more than 5 days a week, yet earn more than a C.E.O. while having full control over your lifestyle. The main reason why I'm sharing my experience is because during my early years of starting my search for the best job in Malaysia as well as business opportunity in Malaysia, there isn't any reliable yet insightful career guide and/or business starts-up guide for job seekers on how to build a satisfying career that feed your lifestyles. Besides, it is too costly for most people in Malaysia to take up any business or franchise opportunity without a sizeable capital (not to mention sales, marketing and management skills).
Secondly, because I'm sick and tired of watching nice people be taken advantage of and misled by the truckloads of BAD & LOUSY employments that only offer “overwork and underpaid” employment prospects – no kidding, I get emails every week from people complaining about their jobs, office politics and non-rewarding environment. I have personally bump unto many such careers that eat up your life and soul after several years, and trust me, it's not something you really wanna go through (unless you have lease to be alive for 100 years)! When you got into a career and years later you found out it’s eating you up alive, imagine the pain, stress and suffering you have to face up?!!! To be least, based on the surveys that I’ve conducted over the last five years, it’s going to cost you your youth, your health, opportunity that you could have done better elsewhere, tons of frustration, family time neglected and loads of disappointments! On top of that, it brings down your enthusiasm and makes you feel like a ‘loser'!
As you read on, I'm SHARING WITH YOU EVERYTHING you need to know about a career in financial planning and how this choice of life can be your stepping-stone to dream you always have, including...
Every strategy, technique, and tool I'm currently using to
coach and train people to make $278,359.33
take-home-income each year!
# Plus a 25% growth rate of income #
The fact is, it's not 2000 anymore -- it's already 2009! ... It's not supposed to be HARD to start a career from scratch or change into a new line of career and make it profitable. Even a fresh graduate without any related academic qualification and experience can succeed in this career (I am one classic example)!
In fact, this may surprise you, but...
With all of the past media attention on the failed financial advisor, consultant or planner, as well as, negative perception of the career as financial advisors are usually associated with hoax and conman, you are no doubt aware of the shift that has taken place on the market place. However, what you may NOT know is that it is now easier than ever to start your own career and practice in financial planning.
Here are 6 KEY REASONS….
| REASON # 1: The Malaysian Financial Services Industry has topped $193 billion in 2008 |
If you have been paying attention, you would have come across with 2008 Bank Negara Reports shows that the total of insurance premium collected, unit trust invested and banking services for saving and fixed deposits had exceeded $193 billion and has recorded a growth of 11% per annum for the past 10 years despite economy slowdown in 1998 and 2005.
| REASON #2: The average income per household has increased to $45,200 per annum |
More and more Malaysians have a growing household income. According to the latest banking surveys, there are at least 36% of the working population earns an average of $45,200 per annum. Meanwhile, 9% of the population earns more than $10,000 per month ($120,000 per annum). Besides, Asiaweek Magazine (2005, 2006, 2007) averaged Malaysians’ saving to be 42% (highest rate in South East Asia).
| REASON #3: The average income of an independent financial advisor is $220,580 per year, according to NAMLIFA report (year 2008) |
There are usually two types of financial advisors; salaried and independent. The second type is self- employed as they represent several financial institutions for the necessary products. This category of financial advisors makes an annual income of $220,580 after being 5 years in the industry.
| REASON #4: 82% Malaysian surveyed, indicated that they need some form of financial advice in various aspects of financial planning and personal financial monitoring. |
The Edge Financial Magazine conducted a consumer surveys in July 2007 and December 2008, found out that many Malaysians have lesser time to plan and track their own financial records. Thus, the sample population indicated that they need some form of financial advice pertaining to risk management, retirement planning, estate planning, tax planning and investment planning. Some indicated that they are willing to pay a fee to a professional that could sort out their finances effectively.
| REASON #5: Demand exceeds supply, by 1 out of 2,450! |
According to FPAM (Financial Planning Association of Malaysia) statistic, there are less than 8,000 qualified financial planners able to advice clients professionally in the area of personal financial planning, as of December 2008. Meanwhile, there is 14.4 million working population in Malaysia. In short, this numbers indicate that the industry is facing a shortage! Demand exceeds supply! Even though many financial institutions offering financial advisory, many are single-product advisory. They are ONLY able to advice the customers on the product the institution is promoting and selling. This doesn't warrant them to do financial planning competently.
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REASON #6: No.1 Career in USA and East Asia |
Every year, in countries like America, Canada and Australia, there are independent bodies such as JOBS Almanac that rate the best career based on income level, stress level, working duration, career prospect, market outlook and job satisfaction. The results, the best job in USA and Canada (since 2000) is financial planner working independently for themselves. Meanwhile, the best career for Australian since 2003 so happened to be financial planner too (Australian Education Department). Today, financial planner is still standing strong as the top three best careers in the US, Canada, Australia and several East Asian countries such as China, Hong Kong and Singapore. In the year 2009, there is no doubt that this tend already set foot in Malaysia, making this career the best job in Malaysia and perhaps an irresistible business opportunity in Malaysia – requires no capital, no specific qualification, no special skill and no contacts but filled with ample rooms for growth both financially and emotionally. Not giving yourself a chance to review this career is similar to shunning yourself away from financial freedom forever!
Allow my company to send you more resources in educating you on this subject and keeping you informed with up-to-date information on this career and the financial industry. Just drop in your name and email. NOTE: I can assure you that we shall respect your email privacy and only used for educational purposes.
Isn't this an undug goldmine? You and I definitely wouldn't want to enter an industry that is overcrowded and saturated! Moreover, we wouldn't want to work “super” long hours to pull in high income. Most of us want short hours and satisfying income!
With the above 6 solid reasons, I am confident that you’re opening your mind to a world of POSSIBILITIES – where no dream is too big. After all, most of us work because of INCOME and FREEDOM to spend. Meanwhile, I can understand this is just a glimpse of “confusion” to some of you especially for those who have not seen, heard or exposed to the FACTS of this career. Perhaps, you had not have the chance to meet anyone who made it big in this career. Whatever the skeptism maybe, allow me to walk you through with some of the questions that pop out in your mind:
“I do not have financial related qualification” During my decade of experience, I've trained thousands of financial advisors (within and out of my own company), in which 75% are fresh graduates and 80% of them do not possess any financial background. They have had no related experience or much related qualification in finance. After a thorough research and ongoing experiments, I have compiled a training system that allows anyone to embark this career confidently within 72 hours – from fresh/zero! Plus, the training system has recorded a success ratio of 95% in getting a client within 14 days!
“I do not have the capital to start this business of financial planning” Yes, it is true that you need capital to start any kind of business. This is especially true when you need a proven system to run on, or else you'll be re-inventing the wheel. Once you make the commitment, you shall be presented with the business model for FREE and sufficient training to guide you step-by-step. AGAIN, in times of sluggish economic environments where companies are cutting cost in training, isn't this right place to re-equip yourself with new hope and new skills?
“I do not have clientele building experience” As you have read earlier, I have personally built a financial planning business in the shortest possible time. In my training system, I’ll be personally walk you through all the necessary skills and knowledge needed directly and indirectly on how to generate clientele instantly and effortlessly. The training system not only hones your financial skills but optimizing your level of self-confidence and unleashes your natural ability to influence people around you. Besides, you shall be given a set of databases to gain fast start in building your practice.
“I am not a sweet talker, I'm people shy” You don't need to be a sweet talker or a public speaker to excel in this career. This is a business of listening, not too much of talking. It's all about 1) Caring for customers' needs and concerns 2) Contributing to your clients’ financial well-beings. As I take pride in coaching and training every candidate, during the intensive training, you will master the art of presentation, the art of negotiation as well as the art of closing, using a set of easy-proven system applicable to all levels of clients.
I've been able to zoom ahead and discover the greatness of this career before the general population -- thanks to two big factors.
First, there are less than 8,000 independent financial advisors currently running their own consulting practices. Many of them are too busy growing their own clientele, hence making lesser time to groom, train and coach new blood.
Second, I myself have walked this path from scratch, thus allowing me to coach any freshies naturally and effectively. During my career, I have been dedicated to develop empowering my team’s psychology for peak performance, identifying new strategies to expand their clientele, cultivating unique sales and marketing tactics, and bulletproofing the referrals system. I am committed to snowballing my team’s level of success and customers’ satisfaction.
And because I don't sell my business model and training system to any third party, my proven training system is not available to anyone outside my office.
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In the real world, you can't afford to waste months testing dozens (or hundreds) of new ideas or even new career. You need to get the freshest information while it's still steaming hot. And that's what you'll find being part of my big family. |
Every year, I consistently conduct major intakes to train and breed new candidates to be successful in the career of financial planning. Once you have been short-listed and embark this journey with me, I personally guarantee that you'll DOUBLE your previous income within 31 days. Otherwise:
- You shall keep all the training materials and clientele database
- I'll compensate you with a RM$1,500 hard core cash
... Now picture this: It's a year from today (or a lot sooner), and you've doubled your income plus you are running your own consulting practice -- with a lot less effort than you expected. Even better, you know for a fact that you have the power to snowball this income into much bigger income because this career guarantees you a 25% increment annually. Name me a business or employment that guarantees increment annually?
If you answered "Yes, something to consider about my life TODAY!" and you desire to snowball your income, starting right now, with a proven system to build fresh people like yourself so that you’ll be making more than $200,000 annually, here are two easy ways to get shot-listed with us:
- SMS your details and contact to (+6) 016-2200 840 for an immediate interview
- Email us your resume with the subject [RESUME] to dave@businessmaxim.com
My organization shall be contacting you very soon to get you started with the training to set you up for SUCCESS. If we ever miss you out, don't feel shy to call us at the office 03-20562060 (and please leave your name, contacts and message).
I hope I did a good job at enlightening you with the best career and perhaps the best business opportunity in Malaysia, and I be looking forward to meeting you sooner than we expected.
Sincerely,
David Lim, Jr.
CEO, DLJR Consulting Group
CEO, BusinessMaxim.Com Pte. Ltd.
[Bio] www.DaveJLive.com
P.S. Every day more and more Malaysians are joining the financial planning industry, the longer you wait or procrastinate, the harder it is for you to get started. If I were you, I would do it while the industry is still enjoying DEMAND exceed SUPPLY!
P.S.S. Again, if you are not happy or fully satisfied with what you are doing now, and UNWILLING to pay the prices of staying stagnant at work – which already costing you your youth, your health, opportunity that you could have done better elsewhere, tons of frustration, family time neglected and loads of disappointments! On top of that, it brings down your enthusiasm and makes you feel like a ‘loser'! The answer to your frustration is here;
- SMS your details and contact to (+6) 016-2200 840 for an immediate interview
- Email us your resume with the subject [RESUME] to dave@businessmaxim.com
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