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Well, I've seen quite a number of people who started charting their destiny while working for someone else in the beginning.
Initially, they looked up articles on home-based businesses, then fine tuned it into unit trust business -Public Mutual (as we are the biggest and the no 1 unit trust company in Malaysia).
So what people do is that, they come to our unit trust business opportunity at Public Mutual Bangsar Branch Training Centre, understand what it means and what it takes to be a unit trust consultant, sign the application form and within 2 weeks they attend the full day training to prepare them for the 2-hour exam in the next 2 weeks. Then once they passed their exam,(the result is immediately known), they can start prospecting to start building their business.
In the unit trust business, we learn as we grow. The knowledge garnered can be practiced there and then. Never stop learning as every new day, every new customer or prospect teaches us something new.
Imagine, even whilst working for someone else, you can start building your DREAMS in about 1 month to set the foundation. If you like what you are doing, you will do it wholeheartedly. You will be capable of generating an additional 4 figures to 5 figures a month within a year of doing the unit trust business while working with your existing company. Ultimately, you can resign from the company, should you choose to do just that.
Furthermore, you could be travelling to exotic locations, all paid for 5 star tours etc, all free of charge, paid for by the company, like us!!!
But it's vital to try not to make enemies with your friends and bosses in your existing company because you would need them to help grow your unit trust business whether as prospects or referrals.
Interested to explore more? Please contact Dzul Rashidi at 0176830333 or Miera at 0123386033
Sent by Maxis from my BlackBerry® smartphone

The generous vegetable seller
by Esther Liang
After the morning hustle and bustle, the atmosphere at Taitung county's Central Market quietens as every stall shuts for the day and their owners return to the comfort of their homes.
A lone lamp shines on a vegetable stall. With head bowed, Ms Chen Shu-chu silently sorts out the vegetable leaves as she waits for the occasional afternoon customer.
Decades of hard work have caused the fingers on her right hand to curl and joints to swell; her feet have deformed slightly.
Ms Chen leads her life with a daily routine. Waking up at three in the morning, she makes her way to the vegetable wholesaler and sets up her stall, which she tends till seven or eight in the evening.
Being the first to arrive and last to leave, the other stall owners have fondly given her the title of "market manager".
In the dark and damp market, Ms Chen, nearing her 60s, holds the stall her father left her dearly.Yuan-Jin Vegetables is her everything.
With her vegetables selling at "a bundle for NT$30 (S$1.30), three bundles for NT$50", she earns only marginal profits.
Yet, her frugality has allowed her to donate about NT$10 million towards various charitable causes, including helping schools, orphanages and poor children.
The selfless generosity of a woman with such humble income has placed her under the international spotlight.
In March, Forbes magazine named her one of 48 outstanding philanthropists from the Asia-Pacific region. A month later, Time magazine selected the year's top 100 influential people and she emerged under the Heroes of Philanthropy category.
Fellow Taiwanese and Oscar- winning director Lee Ang wrote her entry personally. "Money is worthy only if given to those in need," he quoted Ms Chen. He also wrote: "Amazing, but of all she has given away, her greatest gift is leading by example."
KINDNESS BEGETS KINDNESS
Despite the honour of receiving the Time award in New York, gaining global recognition, and a personal meeting with President Ma Ying-jeou, all Ms Chen really cares about is her vegetable stall.
If not for President Ma and the Foreign Minister personally convincing her to go, she would not have agreed to visit New York, as she felt that "this is not a competition and I did not win anything".
Amid the frenzy of applying for a passport and preparing for the visit, her main concern was that her regular customers would not get their vegetables.
Ms Chen has become a celebrity in Taitung county. The local authorities decorated her stall with congratulatory posters and banners hailing her as the Pride of Taitung and the Model of Philanthropy.
There are fans who turn up at the stall with a vegetable basket and a camera, hoping for a picture with Ms Chen.
Despite all the attention, she remains humble. "I have done nothing extraordinary and anyone who wants to can do it.
There are many other charitable people; we just don't know about them," she said. Ms Chen, who is unmarried, added: "I do not place great importance on money. When I donate to help others, I feel at peace and happy, and I can sleep well at night."
She also feels for the poor, having experienced hardship in her younger days.
Born in 1950, Ms Chen lost her mother after completing her primary-school education. Her mother was admitted to hospital because of difficulties in labour and the family had to pay an insurance of NT$5,000 before medical attention could be granted.
Ms Chen saw her father asking their neighbours for money, but it was too late to save her mother. The eldest daughter in the family, Ms Chen had to grow up overnight.
She gave up her studies and dedicated her life to helping at the vegetable stall.
When she was 18, her younger brother fell sick and the illness dragged on for over a year, gradually depleting the family's savings.
Doctors suggested that the family send her brother to Taiwan National University Hospital, but they could not afford the fees.
Mr Huang Shun-zhong, a teacher at Ren-ai Primary School, started a donation drive.Unfortunately, her brother could not be saved.
After experiencing the kindness bestowed upon her family, Ms Chen made up her mind to help the poor once she was able.
When her father died 17 years ago, Ms Chen, a devoted Buddhist, generously donated NT$1 million to Fo Guang Shan Monastery.
In 2000, she donated NT$1 million to her alma mater, Ren-ai Primary School, to set up an Emergency Relief Fund to help poor children obtain financial help.
SIMPLE LIFE WITHOUT LUXURIES
Assisting in the setting up and maintenance of the fund is Mr Li Guo-rong, who teaches Ms Chen's nephew.
In 2001, Mr Li had a plan to build a library for the school and estimated the cost to be between NT$4 million and NT$5 million.
When he approached Ms Chen, in the hope that she might contribute NT$50,000, Li was shocked when she said she would fund the entire project.
The school was sceptical, but Ms Chen was determined.
In May 2005, the two-storey library was completed and named Chen Shu-chu Library in honour of the "Vegetable Market heroine" alumnus. She had donated NT$4.5 million.
Ms Chen's ability to donate such large sums of money has led many to ask: How can a mere vegetable seller earn so much?
"Spend only what you need, and you'll be able to save up a lot of money!" said Ms Chen.
Since 1996, she has donated NT$36,000 to help three children in the Kids Alive International organisation.
To achieve this, she explained that she empties her loose change into three little cardboard boxes at home every night.
"This is a simple act that anyone can do, isn't it?" she said.
Ms Chen leads a very simple life without any luxuries. She does not have any desire for material gain nor any form of enjoyment.
Work, she said, is her enjoyment. "I love my work. If I didn't, would I be able to work 16 hours a day?"
All she needs is food and a place to sleep. Everything else is a luxury. She does not buy expensive clothes as "I do not socialise much, hence, there is no need for such beautiful clothes. The clothes from the roadside stalls are good enough for me, and, even then, I like to bargain".
Her daily meals cost less than NT$100: a bowl of vegetarian rice and a bowl of noodles for NT freeze whatever that cannot be finished, spend another NT$20 on a can of gluten and add that to the rice with some hot water.
"This becomes porridge and is very tasty," she said.
HER HAPPINESS PRINCIPLE
She also sleeps on the hard floor, a habit from her younger days when she started working at the vegetable stall.
The comfort of her warm bed made getting up early to go to the wholesaler very difficult, especially during the cold winter months. Hence Ms Chen made up her mind to sleep on the cold floor, where she would not run the risk of being late.
Has business improved after winning the award? "Business is as usual," she said. "I still need to sell my vegetables. Not much has changed."
Advertisers have approached her to film commercials; financial managers have offered to manage her finances and other well-wishers have offered to donate money. She rejects these advances politely.
"It is easy to return borrowed money, but difficult to return a favour," she said.
"I have to be very careful in handling money matters," she added. Even when customers tip her, she refuses to accept.
"Buying from my stall is already a form of support," she explained.
The only commercial Ms Chen was willing to take on was for the Bureau of National Health Insurance, in memory of her beloved mother. She requested all shoots be done beside her stall so as not to affect her business.
The only payment she was willing to accept was a black T-shirt given by the Bureau.
Since her return from New York, Ms Chen has been working even longer hours. She has a new goal: To collect NT$10 million to set up a Chen Shu-chu Bursary aimed at helping poor children pay for school fees and medical bills, things she could not afford as a child.
"All I need is to sell a few more vegetables, save a little more money, in addition to a number of insurance policies that are near the end of their term. A lot of people are also willing to donate. I am sure there won't be any problems," she said.
Mr Li, who treats Ms Chen like a sister, said that setting up the bursary is actually a good way to let her retire from selling vegetables and start influencing society with her reputation, in the hope that there will be more generous "Chen Shu-chus".
As for Ms Chen, she said: "My philosophy in life is simple: If doing something makes you worried, then it must be a wrong thing. If it makes you happy, then you must have done the right thing. What others say is not important."
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Laryngitis refers to inflammation of the voice box or larynx. Very often, it is caused due to overuse or constant irritation of the larynx. In a few cases, laryngitis results from an infection of the larynx, caused by viruses and other disease causing microbes. In normal sound production, the voice cords open and close smoothly, whereas in the case of a patient suffering from laryngitis, the inflammation of voice cords disturbs the passage of sound, resulting in a hoarse or raspy voice. Other signs of laryngitis include a weak voice, dry throat, sore throat and dry cough. In severe inflammation cases, laryngitis leads to temporary loss of voice.
Based on the manifestation of symptoms, laryngitis can be an acute (symptoms lasting for 1-2 weeks) or a chronic (symptoms lasting more than 3 weeks) condition. Most cases are of the acute type, which have shown positive responses with over-the-counter laryngitis medications and effective laryngitis home remedies. A chronic or long-lasting laryngitis condition, characterized by recurrent onset of symptoms, may be an indication of a severe health condition. Hence, timely and correct laryngitis diagnosis is always advisable in order to rule out other medical conditions.
Home Remedies for Laryngitis
As mentioned earlier, acute laryngitis can be treated by following laryngitis remedies. Very often, the symptoms of laryngitis are exacerbated by other medical problems like common cold, flu, strep throat, respiratory tract infection and gastroesophageal reflux disease (GERD). Thus, the actual home treatment for laryngitis differs based on the causal factor. For example, if vocal cord strain is the cause, then resting your voice is an effectual home cure for laryngitis. Following are some of the effective laryngitis home remedies, which you can practice at home.
Avoid Shouting: The most effective home remedy for laryngitis is proper resting of the voice box. In other words, a patient of laryngitis should not indulge in speaking loudly or talking for a long time, which otherwise will cause worsening of the larynx inflammation.
Do Not Whisper: Whispering triggers the inflammation of the larynx. Even though whispering is speaking in a low voice, it puts more strain on the voice box than normal speaking. Thus, a patient of laryngitis should avoid whispering as much as possible.
Breathe Through the Nose: One of the natural laryngitis cures is breathing through the nose. This ensures that the throat is not exposed to cold air and does not dry out, which are observed in case of breathing through the mouth. Read more on basic breathing techniques.
Steam Inhalation: Inhalation of steam and steam bath are effective home treatment methods to cure laryngitis. Take steam inhalation using a bowl of hot water. For a steam bath, close your bathroom and fill it with steam by running very hot water. You can then stay in the bathroom filled with steam for about 10-15 minutes.
Using a Humidifier: A humidifier helps in maintaining the recommended humidity level in a room, which in turn prevents a dry environment. Hence, using a room humidifier is also one of the best cures for laryngitis. Read more on benefits of a humidifier.
Drink Lots of Water: Keeping oneself hydrated helps in shortening the duration of laryngitis symptoms. Drink ample amounts of water everyday (8-10 glasses) to get relief from larynx inflammation.
Lemon and Honey Mixture: You can have tea, prepared with lemon and honey. Boil about 250 ml of water and then squeeze in one lemon and add 2 teaspoons of honey. Drink after the solution cools down.
Moisten Throat: As a dry throat worsens the inflammation of laryngitis, moistening the throat is a good measure for overcoming laryngitis. You can gargle with saline water or chew a piece of your favorite chewing gum.
Say No to Decongestants: Decongestants are strictly not recommended during the onset of laryngitis symptoms. The main reason behind this is that these medications lead to a dry throat, resulting in exacerbation of laryngitis.
Avoid Throat Cleaning: With laryngitis symptoms like a dry and sore throat, it is quite tempting to cough and clean the throat. Coughing and/or cleaning throat increases the degree of irritation to the larynx, and hence should be avoided as far as possible.
Avoid Smoking: Another remedy for laryngitis is to refrain from smoking or inhalation of other hazardous fumes. Smoke and fumes worsen the condition of the larynx, and hence it is advisable to minimize exposure to such irritants for the treatment of laryngitis. Read more on effects of smoking.
In addition to the above tips, there are also homeopathic remedies for laryngitis. If you are planning to administer homeopathic medicines, make sure you purchase them from a reliable brand. In case the symptoms of laryngitis do not subside after practicing laryngitis home remedies, then it is recommended to consult and seek advice from a qualified physician.
Sent by Maxis from my BlackBerry® smartphone
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