Motivation & Goal Setting for 2009 - 3 Jan 2009
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This document outlines Peter Lim's goals and motivation plan for 2009. His short term goal for 2009 is to qualify for an incentive trip by achieving personal sales of RM 2.5 million, recruiting 10 direct agents and 30 indirect agents, and achieving group sales of RM 10 million. To achieve this, he plans to see 10 people per week for sales, 5 agents/prospects per week for recruitment, organize recruitment events every 2 months, conduct biweekly training, and hold seminars every 3 months. His long term 7 year goal is to earn RM 20,000 in passive income by January 2015 in order to be a full time father and part time consultant.
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This document summarizes a presentation given by Alona Rudnitsky and Amber Spears on the keys to successful affiliate programs. The presentation discusses common frustrations of business owners, affiliate managers, and how focusing on clarity, confidence, community and cashflow ("the 4 C's") can help scale affiliate revenue. It then critiques the affiliate centers of 4 different companies to identify mistakes and provides tips to improve them. Attendees are invited to text for additional resources or contact the presenters for help building or scaling their affiliate program.
rai farhan resume cv
Farhan Rai has over 7 years of experience in marketing, public relations, and financial institutions. He currently holds a MBA in marketing and diploma in office management. His most recent role was as a business development manager at Bank AlFalah from 2013 to 2016, where he was responsible for generating business, sales, and marketing. Prior to that, he worked as a social media executive and marketing executive at DunyaNews and Scales Men respectively. He is proficient in English and Urdu.
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The 4 Simple But Hidden Keys All Top Affiliate Programs Laser Focus On
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Why Average Investors Earn Below Average Market Returns?
Investor behavior causes average investors to earn below-average market returns. Studies show investors tend to buy high and sell low by pouring money into mutual funds when the market rises and pulling it out when it falls. This causes their returns to be substantially less than the actual market returns of around 12% annually. Investors overreact to good and bad news due to emotional decision-making. However, taking a disciplined, long-term approach by ignoring emotions and not reacting to short-term market changes can help investors achieve higher returns over the long run.
What Is Price To Earnings Or Pe Ratio?
The document defines and explains the price to earnings (P/E) ratio, which is the price of a stock divided by its earnings per share. It provides an example comparing the P/E ratios of two companies, Widget and Gizmo, based on past and projected earnings. However, it cautions that P/E ratios of individual stocks can be misleading because past earnings and projections may not accurately predict the future. P/E ratios may be more useful for evaluating the overall stock market valuation and identifying when the market as a whole is overvalued or undervalued.
Companies2008 Q4 Results
The document provides a summary of key financial information for several Malaysian companies for various quarters ending between September 2008 and December 2008. It includes revenue, profit before tax, profit for the period, earnings per share, proposed dividends, and net assets per share for each company. The companies reported increased revenue, profits, and net assets compared to the corresponding periods of the previous year.
Is It Possible For An Equity Fund Price To Be Zero - 7 Mar 2009
The document discusses whether it is possible for an equity fund's price to reach zero. It analyzes the financials of a hypothetical company to show that at a low enough share price, the company would be a good investment, as its assets exceed its liabilities. It then notes that while a share of a struggling individual company could become worthless, it is very rare for a well-established company's shares to lose all value. Therefore, a diversified equity fund that does not take on debt is highly unlikely to ever have a price of zero, as the companies it invests in will still hold tangible assets and value even if their shares decline significantly.
Sound Investing In Global Financial Crisis - 6th Dec 2008
The document provides lessons on sound investing based on the author Peter Lim's experience. It discusses that (1) investors should prepare by living below their means and setting aside emergency funds before investing; (2) common stocks have historically provided the highest returns over the long term though with more risk; and (3) diversification and investing for the long run through index funds reduces risk while maintaining returns for most investors.
How To Assure Your Return In Equity Will Be Better Than FD - 3rd Jan 2009
The document discusses how investing in an equity fund can provide better returns than fixed deposits. It analyzes the historical performance of a Malaysian public index fund (PIX) over various time periods and under different rules:
1) Investing for the medium to long term (3 years or more) reduces the risk of losses and increases average returns compared to shorter periods.
2) Avoiding overpaying by only investing when the P/E ratio is below 18 improves performance over 3 and 5 year periods.
3) Not underselling when the P/E ratio is above 16 also leads to better returns.
Following all three rules means there is a 0% chance of losses over 3 and 5 year periods
How You Can Earn Rm 5k Per Month - 20 Sep 2008
This document outlines how an individual can earn a consistent monthly income of RM 5,000 (approximately $1,200 USD) within 3 years working in Public Mutual, a Malaysian investment management company. It describes the two main categories of income as one-time commissions from single investments and continuous monthly income from ongoing investment plans. Specifically, it provides calculations to show how an agency supervisor could achieve RM 5,000 per month through a combination of new cash and EPF (retirement fund) direct debit investment plans each month, along with lump sum investments, growing their assets under management to RM 5 million over the 3 year period. Alternative scenarios are also briefly discussed.
Investing Using PE by Justin Khoo - 16 August 2008
The document discusses using the price-to-earnings (P/E) ratio to evaluate investments in uncertain market conditions. It provides an example of how the P/E ratio is calculated for a company and explains that the local stock market is currently trading at a P/E ratio that is discounted compared to its historical average. It also suggests that investors could use the P/E ratio to determine when to buy low and sell high by rebalancing their portfolio between bonds and equities depending on risk tolerance and the current P/E levels.
System Investment Strategy Through Market Turbulence
Peter as the speaker for the Public Mutual Workshop: System Investment Strategy Through Market Turbulence - 24 July 2008
Optimizing Your Housing Loans - 31 May 2008
This document provides information about optimizing housing loans, including:
1) It compares two loan packages with different interest rates and terms to show which has a lower total cost.
2) It explains how to calculate interest charged on loans, whether it's daily or monthly, and how that affects monthly installments.
3) It provides current interest rate discounts from Public Bank for housing loans based on loan amount.
4) It presents a real case study of a client saving money by refinancing their loan.
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Is It Possible For An Equity Fund Price To Be Zero - 7 Mar 2009
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Sound Investing In Global Financial Crisis - 6th Dec 2008
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How To Assure Your Return In Equity Will Be Better Than FD - 3rd Jan 2009
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Investing Using PE by Justin Khoo - 16 August 2008
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Dive into an in-depth exploration of the histological structure of female reproductive system with this comprehensive lecture. Presented by Dr. Ayesha Irfan, Assistant Professor of Anatomy, this presentation covers the Gross anatomy and functional histology of the female reproductive organs. Ideal for students, educators, and anyone interested in medical science, this lecture provides clear explanations, detailed diagrams, and valuable insights into female reproductive system. Enhance your knowledge and understanding of this essential aspect of human biology.
Journal Article Review on Rasamanikya
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Cell Therapy Expansion and Challenges in Autoimmune Disease
There is increasing confidence that cell therapies will soon play a role in the treatment of autoimmune disorders, but the extent of this impact remains to be seen. Early readouts on autologous CAR-Ts in lupus are encouraging, but manufacturing and cost limitations are likely to restrict access to highly refractory patients. Allogeneic CAR-Ts have the potential to broaden access to earlier lines of treatment due to their inherent cost benefits, however they will need to demonstrate comparable or improved efficacy to established modalities.
In addition to infrastructure and capacity constraints, CAR-Ts face a very different risk-benefit dynamic in autoimmune compared to oncology, highlighting the need for tolerable therapies with low adverse event risk. CAR-NK and Treg-based therapies are also being developed in certain autoimmune disorders and may demonstrate favorable safety profiles. Several novel non-cell therapies such as bispecific antibodies, nanobodies, and RNAi drugs, may also offer future alternative competitive solutions with variable value propositions.
Widespread adoption of cell therapies will not only require strong efficacy and safety data, but also adapted pricing and access strategies. At oncology-based price points, CAR-Ts are unlikely to achieve broad market access in autoimmune disorders, with eligible patient populations that are potentially orders of magnitude greater than the number of currently addressable cancer patients. Developers have made strides towards reducing cell therapy COGS while improving manufacturing efficiency, but payors will inevitably restrict access until more sustainable pricing is achieved.
Despite these headwinds, industry leaders and investors remain confident that cell therapies are poised to address significant unmet need in patients suffering from autoimmune disorders. However, the extent of this impact on the treatment landscape remains to be seen, as the industry rapidly approaches an inflection point.
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Osteoporosis is an increasing cause of morbidity among the elderly.
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The Nervous and Chemical Regulation of Respiration
These lecture slides, by Dr Sidra Arshad, offer a simplified look into the mechanisms involved in the regulation of respiration:
Learning objectives:
1. Describe the organisation of respiratory center
2. Describe the nervous control of inspiration and respiratory rhythm
3. Describe the functions of the dorsal and respiratory groups of neurons
4. Describe the influences of the Pneumotaxic and Apneustic centers
5. Explain the role of Hering-Breur inflation reflex in regulation of inspiration
6. Explain the role of central chemoreceptors in regulation of respiration
7. Explain the role of peripheral chemoreceptors in regulation of respiration
8. Explain the regulation of respiration during exercise
9. Integrate the respiratory regulatory mechanisms
10. Describe the Cheyne-Stokes breathing
Study Resources:
1. Chapter 42, Guyton and Hall Textbook of Medical Physiology, 14th edition
2. Chapter 36, Ganong’s Review of Medical Physiology, 26th edition
3. Chapter 13, Human Physiology by Lauralee Sherwood, 9th edition
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Motivation & Goal Setting for 2009 - 3 Jan 2009
- 1. Motivation & Goal Setting for 2009 By Peter Lim CFP, RFP Agency Manager
- 2. Parable of the Pipeline
- 3. What do all of these people have in common? 24 Hours a day! What you do with it NOW, will Determine your FUTURE!
- 4. The Power of Self Motivation
- 5. Kings & Queens of the day
- 13. Your Intention You Need a Target before you can achieve it.
- 15. My Dream To be able to live like a king & queen
- 20. CHAMPION SHIP
- 21. 1 CHAMPION
- 22. QUESTION Is it Easy or Is it Hard ?
- 23. Easy Hard Easy Hard
- 24. True Story: Father’s Love