This webcast excerpt offers tips for finding a financial advisor you can trust, who understands your priorities, and who speaks your language.

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https://investornews.vanguard/finding-an-advisor-you-can-trust/
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This webcast excerpt offers tips for finding a financial advisor you can trust, who understands your priorities, and who speaks your language.

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https://investornews.vanguard/finding-an-advisor-you-can-trust/
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Finding leads through cold-calling can often seem relentless, and at times, pointless. A sales referral can come to your aid during such times. A sales referral is one of the best lead generation techniques, as many selling tips have been claiming for ages. Trust is something that doesn’t come that easy to most people when they’re dealing with a sales professional. It?s like they’re perched to flee at any moment as they doubt everything that’s said by the sales professional, as if it were a carefully planned conspiracy. Sound familiar?…
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http://www.associationofmarketing.org/articles/view.php?article_id=14371
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KUALA LUMPUR: Yang di-Pertuan Agong Al-Sultan Abdullah Ri’ayatuddin Al-Mustafa Billah Shah (pix) today decreed all Malaysians to obey the movement control order announced by Prime Minister Tan Sri Muhyiddin Yassin yesterday and to give full cooperation in containing the spread of Covid-19 infections in the country.
The order will take effect from tomorrow until March 31.
Comptroller of the Royal Household of Istana Negara Datuk Ahmad Fadil Shamsuddin said His Majesty, nevertheless, said that the people should face the situation calmly to help the government and the relevant authorities tackle the situation effectively.
“His Majesty urges the people not to take the movement control lightly. The people were also asked to follow the guidelines and preventive measures issued by the Ministry of Health because this is our mutual responsibility to ensure safety and wellbeing of our families, our communities and our beloved country,” he said in a statement issued by Istana Negara today.
He said Al-Sultan Abdullah also viewed seriously the rising number of positive Covid-19 cases in Malaysia, which was recorded at 553 yesterday and had placed his full trust in the government and the authorities to discharge their duties in containing the spread of the disease.
Ahmad Fadil said His Majesty was well aware that the people might feel that the action taken by the Perikatan Nasional government had made it difficult for them to go about their daily activities.
“However, we must try to understand and be patient because the government cannot wait for the situation to become more critical to take drastic action.
“As the Head of State, His Majesty also called on all Malaysians, regardless of race and religion, to stay united and play their parts to help the government in containing the spread of Covid-19 in the country.
“His Majesty believes that with the strong spirit, concern and cooperation from the people, we will be able to contain the spread of the disease quickly and effectively,” he said.
Ahmad Fadil said Al-Sultan Abdullah also decreed all Malaysians to refer to the Online Health Advisory Service or the National Crisis Preparedness and Response Centre (CPRC) via the Ministry of Health’s website to find the answers to all their doubts and questions so as to prevent the spread of fake news and false information that may cause panic and confusion among themselves.
The Yang di-Pertuan Agong also expressed appreciation and thanks to the government under the leadership of Muhyiddin, government agencies and most of all to the unsung heroes, the medical staff and healthcare personnel, the civil servants and all the others who have sacrificed their time and energy in ensuring that all preventive measures and control of the infectious disease were being implemented efficiently.
“His Majesty also called on all Muslims to join him to pray to Allah SWT so that all our efforts be blessed and so that the COVID-19 situation can be tackled and put to end as soon as possible. InsyaAllah,” he said. – Bernama

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https://www.thesundaily.my/local/king-decrees-all-malaysians-to-obey-movement-control-order-YD2140919
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KUALA LUMPUR: A member of the Felcra Berhad Board of Directors told the sessions court here today that Datuk Seri Bung Moktar Radin informed the then Finance Minister to recommend Felcra to invest RM150 million in Public Mutual Berhad Unit Trust in 2015.
Dr Habibah Suleiman, 72, said she did not know that the amount of investment sought was RM150 million as the sum approved at the board meeting was only RM50 million.
Bung Moktar was then the non-executive chairman of Felcra.
“The board did ask YB Datuk Bung Moktar about the difference in amount that was invested in the Public Mutual Trust Fund. YB Bung had stated that he took along a Felcra application letter to meet the Finance Minister for his approval. YB Bung told the board that the Finance Minister recommended to him to invest RM150 million.
“I assumed that he (Bung) had changed the amount of RM50 million to RM150 million after that recommendation,” she said during a key examination by deputy public prosecutor Roslan Mat Nor at a corruption case trial involving by Kinabatangan MP Datuk Seri Bung Moktar and his wife Datin Seri Zizie Ezette A. Samad.
The fifth prosecution witness said that based on the reply from the Minister of Finance Incorporated (MKD), it (MKD) had no objection to Felcra’s application to invest RM150 million.
“Other details (in the letter) also stated that the board of directors (Felcra) had to ensure that Felcra Berhad continuously monitored the investment’s performance so that early risk mitigation can be carried out in the event of any clear decline in the equity market,” she said.
She said a letter was submitted to the board after the investment had been made and the board also knew nothing about the amount (RM150 million).
Asked by Roslan as to when she first knew that the investment had been increased from RM50 million to RM150 milion, Habibah said “During the board of directors’ meeting in April 2005.”
Roslan: Why didn’t you object against the decision?
Habibah: The decision to raise the investment sum to RM150 million was made by the (then) Finance Minister, so who am I to object to it?
Lawyers M. Athimulan and Datuk K. Kumaraendran are representing Bung Moktar and Zizie Ezette, respectively.
According to the first charge, Bung Moktar, 60, who was at that time the non-executive chairman of Felcra, was accused of taking a bribe of RM2.2 million in cash from Public Mutual’s investment agent Madhi Abdul Hamid, 38, through his wife Zizie Ezette.
He was accused of committing the act as a reward for obtaining approval from the Minister of Finance II for Felcra to make a RM150 million investment in Public Mutual unit trust products.
The offence was allegedly committed at Public Bank Berhad, Taman Melawati Branch, No. 262-265, Jalan Bandar 12, Taman Melawati here, between 12.30pm and 5pm, on June 12, 2015.
For the second charge, Bung Moktar was accused of taking for himself a bribe of RM262,500 in cash from the same individual (Madhi) through an account of the bank’s investment product Public Islamic Treasures Growth Fund (PITGF) numbered 044797816 and registered under the name of Zizie Izette for the same purpose.
Bung Moktar was also accused of taking for himself a bribe of RM337,500 from Public Mutual’s investment agent, Norhaili Ahmad Mokhtar, 42, through a Public Ittikal Sequel Fund (PITSEQ) account numbered 044797824 registered under the name of Zizie Izette for the same purpose. Both offences were allegedly committed at the same location at 12.16pm and 12.28pm, on June 19, 2015.
The charges are framed under Subsection 17(a) of the MACC Act and punishable under Section 24(1) of the same Act which provides for imprisonment of not more than 20 years and a fine of not less than five times the amount of the bribe or RM10,000 whichever is higher, if convicted.
Zizie Izette, 41, a former actress, pleaded not guilty to three counts of abetting her husband on the same offences, at the same places, dates and times under Section 28(1)(c) of the MACC Act and punishable under subsection 24(1) which provides for imprisonment of not more than 20 years and a fine of not less than five times the amount of the bribe or RM10,000 whichever is higher, if convicted.
The hearing continues before judge Rozina Ayob tomorrow. – Bernama

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The meeting of the Emergency Committee convened by the WHO Director-General under the International Health Regulations (IHR) (2005) to review the current Ebola virus disease (EVD) outbreak in the Democratic Republic of the Congo (DRC) took place on Wednesday, 12 February 2020, from 14:00 to 16:45 Geneva time (CEST).
Members and advisors of the Emergency Committee were convened by teleconference.
The Secretariat welcomed the Committee and thanked them for their support. The meeting was turned over to the Chair, Dr Robert Steffen.
Dr Steffen also welcomed the Committee and gave the floor back to the Secretariat.
Representatives of WHO’s legal department and the department of compliance, risk management, and ethics briefed the Committee members on their roles and responsibilities.
Committee members were reminded of their duty of confidentiality and their responsibility to disclose personal, financial, or professional connections that might be seen to constitute a conflict of interest. Each member who was present was surveyed and no conflicts of interest were judged to be relevant to the meeting.
The Chair then reviewed the agenda for the meeting and introduced the presenters.
Presentations were made by representatives of the Ministry of Health of the Democratic Republic of the Congo (DRC), the WHO Secretariat, and the UN Ebola Emergency Response Coordinator.
The current situation in the DRC was reviewed. As of 10 February 2020, there were a total of 3431 cases, of which 3308 were confirmed and 123 were probable. 2253 persons have died (66%). Between 3 and 9 February 2020, three new confirmed cases were reported in Beni Health Zone, North Kivu. These three cases were already registered as contacts and two were under surveillance at the time of detection. More than 2000 contacts are being followed. There has been an increase in the number of security incidents in recent months.
Challenges that remain include: strengthening of community acceptance for full commitment to response measures; protection of personnel at strategic health checkpoints; improvement of infection prevention and control practices in health facilities; strengthening of the local health system; and comprehensive treatment and support for patients in recovery.
The WHO Secretariat gave an overview of the epidemiological situation, which shows an overall encouraging trend in case incidence and geographic spread. It was noted that sustaining this progress depends on the security situation and control of the well-known drivers of transmission, particularly in traditional health facilities, and on continued trust and communication with the community.
A risk communication and community engagement programme has been developed, as has an EVD survivors programme. It is critical to ensure the long-term sustainability of these two initiatives.
The situation in countries neighbouring DRC was reviewed, as was preparedness in nonaffected areas of DRC. An EVD operational readiness standardized approach has been implemented in 9 priority countries. More than 2400 alerts have been investigated, and more than 14,600 health workers have been vaccinated.
The UN Ebola Emergency Response Coordinator gave a brief report on operational support, focused on security challenges and preparations for any resurgence of disease.
The Committee noted a great deal of progress in the situation since its last meeting and commended the response, under the leadership of the DRC Ministry of Health and the multisectoral coordination commission established in July 2019. Support provided by WHO, UN agencies, nongovernmental organizations and other partners has also contributed to limiting the spread and impact of this virus in a difficult context. An increase in the number of alerts was attributed to strong and proactive community surveillance.
It was the unanimous view of the Committee that this event still constitutes a public health emergency of international concern (PHEIC) under the IHR (2005).
The Committee acknowledged the revised risk assessment, which puts the risk now as high at national and regional levels, and low at the global level.
The Committee was concerned that withdrawing the PHEIC now might have adverse consequences for the response efforts through diminishing focus. Additionally, although the primary concern of the Committee is EVD, there are serious ongoing outbreaks of other diseases, including measles and cholera, in DRC. The country continues to need support to combat infectious diseases as well as to strengthen its health system. Further, there remains an urgent need to maintain international solidarity for the response.
The Committee noted the ongoing discussions about the interpretation in the text of the IHR (2005) of the terms international and regional spread, and about creating an intermediate level of response between the binary possibilities of PHEIC or no PHEIC, in a way that does not require reopening negotiations on the Regulations. The Committee supports these discussions, as an intermediate level would be as useful for gradually ending a PHEIC and for signaling the potential for one to be declared.
The Committee provided the following advice to the Director-General for his issuance as revised Temporary Recommendations under the IHR (2005).
For DRC:
For countries at risk:
For all countries:
The Committee emphasized the importance of continued support by WHO and other national and international partners towards the effective implementation and monitoring of these recommendations.
Based on this advice, the reports made by the affected State Party, and the currently available information, the Director-General accepted the Committee’s assessment and on 12 February 2020 maintained the Ebola outbreak in the Democratic Republic of the Congo as a Public Health Emergency of International Concern (PHEIC).
The Director-General endorsed the Committee’s advice and issued them as Temporary Recommendations under IHR (2005) to reduce the international spread of Ebola, effective 12 February 2020. The Director-General thanked the Committee Members and Advisors for their advice and requested their reassessment of this situation within two months or earlier if the situation requires.

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Artificial intelligence is entering our lives in many ways—on our smartphones, in our homes, in our cars. These systems can help people make appointments, drive and even diagnose illnesses. But as AI systems continue to serve important and collaborative roles in people’s lives, a natural question is: Can I trust them? How do I know they will do what I expect?
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An Entrepreneurship sets up an enterprise for profit motive and rightly so. But if you start your business with the 'Show me the money' attitude, rest be assured that you will not go very far!
Ever wondered why in the world of Entrepreneurship, some carve a niche for themselves and stand out from the crowd, while others, even though successful, have a mundane existence?
Well it all lies on certain qualities that an Entrepreneur may possess or the way certain activities are conducted by him / her. Here are special skills which you need to hone to become the Successful Entrepreneur.
Everybody has a certain goal in life which just refuses to go away or change. You must understand this goal to be the calling of your life. Write down this goal – It will time and again remind you, how important it is to achieve this goal and will not let you sleep until you achieve it and become a celebrated Entrepreneur.
Share your Dream with Right people – Law of Entrepreneurship
In this world of make belief, you should be able to distinguish between the good, bad and the ugly. Many Entrepreneurial dreams die a quite death because somebody labeled it 'stupid' and constantly put you down until you also started believing your dream to be stupid and chose to abandon it. Share your dreams with only those whom you trust and are actually the propellers of your life.
Find yourself a Mentor – Key Role in Entrepreneurship
Someone who has already been there after many trials and turbulence is the right person to advice you. Somebody who has been there and done with can impart some priceless wisdom which you can use to carve a niche for yourself. But you must be very clear about what you will gain from the mentor-men-tee relationship. This will determine whom you can tap for assistance. The right Mentor will always short-cut your leaning process and give you the push you need and help you to stay task focused.
Observe deeply and Practice Incessantly
An Entrepreneur must consciously set aside some quite time to take on board any new ideas, things to learn and allow your mind to wander. You never know what your 'downtime' can fetch your business! Similarly only incessant practice will make an Entrepreneur perfect. Short cuts have never helped anyone in life. It is only your endurance for more and more practice that will give you results.
Seek Challenges in Life
The yardstick of success of an Entrepreneur is measured by the challenges he / she has overcome. Never be scared to consciously seek challenges in your Entrepreneurial life. Remember challenges are not setback of life. They are simply life's way of requesting you to make full use of the resources and tools available with you to resolve them.
As an Entrepreneur you must have the skill set to select the right tool at the right time to overcome the challenge.
Welcome Criticism – Challenge in Entrepreneurship
In your journey as an Entrepreneur, be ready to welcome criticism from associates / citizens / clients / and sometimes even friends and family. There will be people out, there highly critical of your product / service. You must possess the gall to take such criticism in your stride and take them positively. If praise motivates you, then criticism must stimulate you to do better and better, not the opposite. If you cannot accept criticism, then your ego is getting in the way of your best judgement.
Be Self Driven not Ego Driven
An Entrepreneur must be proud, confident, self assured but not ego driven. Be humble and let your feet be planted firmly on the ground. Let your actions and achievements speak for you, not your boating and bragging. The more you brag, the more will sound phony. Remember, it is the empty vessel which makes the most noise.
Carve a niche for yourself
An entrepreneur must try to find out his niche area. Each of us has a special ability, a quite story which sets us apart from others. Play around with this strength and craft your own persona. Of you try to become a carbon copy of some you admire, you will never be able to make a name for yourself. Remember, the original always looks better than the copy. So leave your idol on the pedestal to be admired from a distance.
What Goes Around Comes Back.
As an Entrepreneur, you must try and help and benefit others. Give whatever you have in abundance- your time. your service or knowledge to those who are badly in need of it. You will be amazed at what you stand to gain when you give it to others.
Value Learning over Money – Basics of Entrepreneurship
An Entrepreneur sets up an enterprise for profit motive and rightly so. But if you start your business with the 'Show me the money' attitude, rest be assured that you will not go very far! Instead show humility and value what you have learnt in your journey as an Entrepreneur. Money will follow you steadily and surely, if you apply what you have learnt.
Be Thankful
Be thankful that you could become an Entrepreneur, be thankful that you could learn your failures, be thankful that you are at the receiving end of so many blessings and above all, be thankful that you are alive!
Gratitude always unlocks the fullness of your life and indeed will make you the celebrated "A Successful" Entrepreneur.
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Source by Akshay Lendey
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One of the most important personal traits of a wealth creator is that they have integrity, in other words, their words and their actions go hand-in-hand. It is because of this personal trait that they can always be trusted and are trustworthy.
Unfortunately, most people say one thing and do another, that is, their words are not backed up by their actions. It is, therefore, understandable why most people are not creators of wealth. You cannot be a creator of wealth unless you have integrity.
Secondly, their relationships are built on trust and respect and therefore, their relationships are positive, good and long-lasting. This makes perfect sense, as any relationships that lack trust and respect, simply cannot last.
Thirdly, creators of wealth lead solid, stable and progressive lives. They are not living grand, high-flying lives one day, and then down-and-out on the streets the next. The main reason for this, is that wealth creators do not take risks and therefore, do not put themselves in situations where they stand the chance of losing everything.
This goes against the popular conventional belief that the higher the risk, the higher the reward. People who believe this to be true, are not creators of wealth and if they believe this to be true and are wealthy because of taking high risks, they can then be considered, to be gamblers.
Gamblers do stand a chance of becoming wealthy, however, they also stand the chance of losing all of their wealth.
Creators of wealth, on the other hand, grow their wealth.
Fourthly, creators of wealth do not create their wealth by chance, by fortune, or by luck. They each have a formula for building wealth and they simply, steadfastly, stick to the formula. Creators of wealth grow their wealth by following a successful formula that consistently provides positive results; it can, therefore, be said that wealth creators are results-driven people, that is, that they are only interested in the results.
My next point, is that wealth creators know how to build an investment or business. They have taken the time and effort to invest in themselves, so that they have the necessary knowledge and skills, in order to build a business or investment.
Lastly, wealth creators have the ability to make their money work for them – they do not have to work for their money. This is another reason, why most people aren’t wealth creators, as most people are only able to work for their money and are unable to make their money work for them.
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Source by Trevor Warwick Miller
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