"" AZMANMATNOOR

Tuesday, November 14, 2017

Financial Wisdom

1-Day  Seminar On
Financial Wisdom
Organized by:
BSB

Financial Management... means planning, organizing, directing and controlling the financial activities such as procurement and utilization of funds of the enterprise.
It means applying general management principles to financial resources of the enterprise.
Personal Finance... is the financial management which an individual or a family unit performs to budget, save, and spend monetary resources over time, taking into account various financial risks and future life events.
According to Investopedia... Personal finance is the science of handling money. It involves all financial decisions and activities of an individual or household – the practices of earning, saving, investing and spending.
Matters of Personal Finance include the purchasing of financial products, like credit cardslife and home insurancemortgages and of course various investments and investment vehicles. Banking is also considered a part of personal finance, including checking and savings accounts and 21st century online or mobile payment services like PayPal and Venmo.

Date/Venue:
Kuala Lumpur:
Selangor:
Perak:
Penang:
Kedah:
Perlis:
Melaka:
Negeri Sembilan:
Johor:
Sarawak:
Sabah:
Pahang:
Terengganu:
Kelantan:

Essential Guides for you on:
What is Financial Management?
What is Personal Financial Management?
How to achieve Financial Freedom?
How to Become A Millionaire?
How to Invest Your Money Wisely?
How to Make Smart Investments?
How to Retire Early?
The Best Way to Manage Your Finances

Ask yourself these questions
-Are you happy with your existing lifestyle?
-Have you found a meaningful work-life balance?
-Do you enjoy your job and find purpose in the daily routine?
These can be difficult questions to answer, but we provide a great deal of information about your desire for financial freedom.
In my experience, responses can be divided into three categories:
 (1) Work is meaningful,  
(2) Work is meh, but necessary and
(3) Work is boring, terrible, and soul crushing
The point is this, time (not money) is your most valuable asset.
If your time at work makes you miserable, save enough money to quit and go find a new job. 
Life is too short to be miserable on a daily basis.
All round, we will guide you on how you should manage your personal money wisely.

Invited Speakers
Financial Management
Lecturer, Professor of Financial Management

EPF Contributors Should Plan Their Withdrawals
Advisor, Retirement Advisory Service (RAS), EPF

Stock Market Investment
CIMB Investment

Officer, Ministry of Finance, Malaysia

Secrets of The Millionaire Mind
It’s not an exact science, but for the most part, rich people think a certain way and poor people think a completely different way, and those ways of thinking determine their actions and therefore determine their results.
“But then I got some advice that changed my life, and I’d like to pass it on to you.”
I believe that if you use the principles you learn in this book, you will totally transform your life. Don’t just read this book. Study it as if your life depended on it. Then try the principles out for yourself. Whatever works, keep doing. Whatever doesn’t, you’re welcome to throw away.

Local expert/Millionaire

Organized by:
BSB
In Association With
Ministry of Finance, Malaysia
Employee Provident Fund (KWSP)
CIMB Bank (Investment)

BSB is an enterprise company which was form with the objectives to provide seminars, workshops and conferences.
We have a dream to be a catalyst in building a ‘Brilliant Society’.
It also aims to provide an exclusive and latest information on the essential aspect of financial managements to every individual in the society. 

Contact details:
AZMAN MAT NOOR
0147538281

Wednesday, November 8, 2017

CIMB Foundation

(Seated left to right) CIMB Foundation BOT:  Puan Rosnah binti Dato' Kamarul Zaman (third left), Datuk Dr. Richard Leete (fourth left), 
Dato' Mohd Shukri Hussin (middle), Tan Sri G K Rama Iyer (third right), and Dato' Hamidah Naziadin, CEO of CIMB Foundation (fourth right) 
together with 28 athletes from the blind football, wheelchair basketball and junior squash national teams, who were under 
the CIMB Foundation sports development programmes
Foundation for a better Malaysia
CIMB Foundation's CEO looks back on its 10-year journey, and what the future holds.
By LIM MAY LEE
The Star/R.AGE(Star2)/pg7/8 November 2017
TEN years ago, CIMB Foundation began with a goal: to empower communities and change the lives of its partners, staff and beneficiar­ies, regardless of race, creed, age or gender.
As the CSR arm of CIMB Group, the foundation had an advantage in the group’s extensive nationwide network of bank branches, conven­iently situated in the very same communities the foundation wanted to reach.
By leveraging on these branches, the foundation’s flagship programme - Community Link - was born.
“Our branches were in touch with what the communities needed,” said CEO of CIMB Foundation, Datuk Hamidah Naziadin.
“We had ready ‘outreach agents’, which fuelled the success of our branch-enabled CSR pro­grammes.”
Community Link projects are initiated by CIMB’s staff and cus­tomers through its nationwide branch network, ranging from placing more benches in parks or sponsoring school computers, to supporting braille-reading pro­grammes and empowering single mothers by improving their ability to support themselves.
Thanks to this strategy, the foun­dation managed to reach those who needed them the most.
“Through Community Link, we managed to reach out to the man on the street in various rural areas, through 733 projects as of end- 2016, totalling RM37mil. Over time, this became part of our brand,” said Hamidah.
The foundation’s philosophy is based on two principles: first, to empower communities and change lives - which is, incidentally, its tagline - and second, having an effective governance structure to ensure the impactful execution of its projects.
Ten years later, CIMB Foundation’s philosophy underly­ing its CSR strategy, which has expanded beyond just Community Link, has shown marked success.
The foundation has touched the lives of over 700,000 people by con­tributing over RMlOOmil into 962 initiatives linked to the foundation’s three pillars: community develop­ment, education and sports.
From helping rural communities earn a steady income by breeding prawns, to grooming the next gen­eration of young ASEAN leaders and supporting para athletes, CIMB Foundation has laid the foundation for a better future.
The keywords for CIMB Foundation’s good works are sus­tainability and capacity-building, said Hamidah.
“As Confucius said, 'give a man a fish, he eats for a day, but teach a man to fish and he eats for a life­time.’ That’s why we always try to equip people with skills instead of just giving them aid.”
Their Be$mart programme, for example, is a two-day workshop that combines lectures, simulations and games to give youths an end- to-end view of financial manage­ment supplemented with tips on saving, investing, and financial planning.
The end-goal of this programme is to equip youths with the skills to make effective and informed money management decisions.
To date, there have been 71 ses­sions nationwide, covering 4,500 students across 57 colleges and uni­versities.
CIMB Foundation has also been a staunch supporter of the Pan- Disability Football Club and the Malaysian national blind football team, which got the bronze medal
in the recent Asean Para Games.
As part of that support, the Foundation is partnering with The Star’s award-winning R.AGE team to produce Eye On The Ball, a feature-length documentary film on the blind football team. The film will be directed by R.AGE senior producer and award-winning film­maker Chen Yih Wen.
But with the foundation’s tenth anniversary around the corner, CIMB Foundation is keen to do more.
“A lot has been achieved, but there’s still so much to do, both locally and regionally,” said Hamidah.
“We have plans to roll out pro­jects on promoting racial unity among Malaysian school children, introduce Be$mart to other coun­tries in the ASEAN region, and increase the number of tertiary scholarship awards, to name a few.”
The future is looking exciting for CIMB Foundation.
It unveiled a new logo on Oct 30, alongside an important announce­ment: the implementation of a new programme, Flex4CSR, that allows staff to play an even greater role in CIMB Foundation.
“The staff make up a very strong pillar in the foundation - they are the ones proposing projects that could benefit their surrounding communities.
‘To encourage more participation, we created a Community Link chal­lenge among them to encourage them to look for more projects and initiatives. It’s our way of inculcat­ing the culture of giving back among the staff,” said Hamidah.
To further drive this culture, Flex4CSR enables staff members to take up to a month’s paid leave to participate in any CIMB Foundation- supported project, with the guaran­tee that their jobs and career pros­pects remain unchanged.
The programme will be piloted among employees in middle man­agement with a minimum two years of working with CIMB.
“By doing this, we hope to develop a strong sense of community engagement in our staff, and we make giving back part of CIMB’s DNA,” said Hamidah.
“Corporations should not be just about profits; they need to also have a heart and soul,” she added.
“Everyone has the right to hope, to have a purpose in life, and to fulfil their potential. When the community thrives, the nation thrives.”
CIMB Foundation is commemorating its 10th anniversary from Nov 10-12 at The Curve in Mutiara Damansara.
It will feature fun, exciting activities which the public is invited to partici­pate in, and appearances by top athletes like CIMB brand ambassador Datuk Nicol David. For more informa­tion, visit cimbfoundation.com.

Sunday, October 22, 2017

Woman's World


People who only had penetrative sex had the smallest rise in blood pressure. 
This shows that they coped better with stress. 
Plenty of people find that intimacy or orgasm without penetration helps them feel relaxed,
as do exercise or meditation...

Being close to your partner can soothe stress and anxiety. Ambardar says touching and hugging can release your body's natural “feel-good hormone.” Sexual arousal releases a brain chemical that revs up your brain's pleasure and reward system. Sex and intimacy can boost your self-esteem and happiness, too, Ambardar says.
Good sex is a great workout for a woman's pelvic floor muscles – the muscles ... One of the most important benefits, noted in a recent survey ...
So, whether you're coupled up or flying solo, check out this list of healthy side effects ofsex: Improved heart health. Just like any physical activity, healthy sex is good for your heart.
Sex is not only pleasurable, did you know it's also good for you? It's true. The benefits ofsex range from slashing stress levels to lowering your ...
You don't really need a reason to have it, but there are many benefits of sex you might not know about it. Here, the hidden health perks of great sex.
How love, sex and supportive relationships can benefit your physical and mental ... and wellbeing, including lowering blood pressure and coping with stress better.
The health benefits of sex extend well beyond the bedroom. It can help boost the ... Good sexual health may mean better physical health. Having sex once or ...
Sexual activity has a number of physical and emotional benefits for men and women alike.
Some good news and some bad news from the world of sex research today. First, thegood news: having sexual intercourse several times a ...
If you thought that the only benefit of sex was, well, pleasure, here's some news for you. Making love is good for adults. And making love ...

Why Women Say Yes To Sex
Women have needs too, but for many, it is about more than just the physical act.
What will set you back many steps is when you are far along into a relationship and cheating occurs. 
It goes back to wanting to feel desired and special - if your partner discovers you are having sex with another woman, she is bound to feel insecure and unloved. — AFP
By Datuk Dr Nor Ashikin Mokhtar
TheStar/FitForLife/Sunday, 22 October 2017
WHEN it comes to emotional inti­macy, it’s true that women are wired to need it more than men.
Sex is a way of letting them express and in fact, build intimacy.
While this is important for men too, emotional intimacy is often more of a by-product of intercourse rather than a key motivator.
Hence, there can be a disconnect between men and women when it comes to sex, and it’s important for the guys to know that most women need to feel desired and pursued before she can be really into it.
Scale of sexual desire
Like men, sexual satisfaction as the motivation behind women hav­ing sex is quite obvious. But there is a sexual desire spectrum related to intellectual stimulation that isn’t always so easy to identify.
Some types include: sapio-sexual - individuals who are turned on by intelligence; or demi-sexual - indi­viduals who do not get turned on by someone unless there is a strong emotional connection.
Unfortunately, if your partner identifies as asexual, a person who lacks the desire for sex, then perhaps creative new ways need to be discovered to encourage intercourse for that person.
Sometimes, me development of an asexual person is related to a conservative cultural or religious background, or even past sexual trauma; in which case, tread carefully and do not be insensitive.
Be supportive throughout her journey to a healthy sexual discovery.
For others whose sexual rela­tionships are more straightfor­ward, here are a few key reasons why women want to have sex.
It's physical
In a study conducted at the University of California, Los Angeles, United States, 141 women were asked to observe photos of shirtless men, then rank them according to attractiveness.
Lean, athletic-looking bodies were seen as more desirable than both bulky and skinny types.
Women tend to perceive big muscular men as threatening. It’s possible that spending all the time bulking up is seen as self-centred, which means she may not get what she wants from you, in terms of time commitment and attention.
It's the kiss
A kiss is largely a preview to how intercourse might be with someone, hence why a well-execut- ed smooch could be the way to "qualifying” for the next stage.
A study published in the journal Evolutionary Psychology found that women are much less likely to have sex with a bad kisser.
For that reason, it’s good for guys to be aware of what women see as a good kiss. From the same study, it was found that men preferred wetter kisses with more tongue action than females did.
It’s not terribly romantic to feel like a large dog tongue is slobber­ing all over you after all. Instead, be a partner who smells good and does a little caressing while kissing.
The heat of the moment
Cuddling causes a woman’s tes­tosterone to surge, a recent Canadian study found. The increase in T levels may cause androgen receptors in her clitoris to switch on, leading to arousal.
How else to get her into the mood? Have a good sense of humour and your chances increase by 25% - and if you’re looking for a mate to settle down with, those chances go up by 31%, says a study in the Journal of Psychology.
The next step in a relationship
After all the wining, dining, woo­ing and being seen around town together, the sex is still missing. What’s the next step? Commitment.
A study published in the Journal of Sexual Medicine found commit­ment to be the key to sexual moti­vation in women of all ages.
There is no need to get spooked and cut ties with the woman you’re seeing. Commitment does not mean marriage, but rather a seri­ous promise of exclusivity that shows an investment in the rela­tionship.
Imagine, if the shoe is on the other foot and you discover that your girlfriend is dating other men, you will most likely begin question­ing the point of being in a relation­ship with her.
No one wants to feel like a spare - showing her that you’re emotion­ally serious will encourage her to move forward with the physical aspect.
It's the romantic setting
It may be an old saying, but it rings true. Plan a romantic geta­way to an exotic location and that will win you big points, but proba­bly not for the reasons you might expect.
The shared intimacy of a couple together in a strange and exciting new place is what strengthens or
secures a bond.
A 2005 study in the journal Tourism Management went even further to recommend that couples on vacation prearrange the servic­es of a local tour guide, which "cre­ates a greater sense of intimacy and disclosure”.
It's to express love or affection
A study published in the Journal of Psychoneuroendocrinology found that there are significant hormonal changes in both men and women when falling in love. Testosterone levels in women rise, but men’s tend to fall, the study found.
And here’s a tip on the best time to catch the woman who’s in love with you - after a good weights workout, which also causes wom­en’s testosterone levels to spike.
Another way to heighten her physical interest in you is for her to miss you.
An American Psychological Association study found that travel- related separation creates a surge in hormone levels upon reunion.
Being in contact during the separation is important to minimise any negative feelings towards the traveling partner.
It's healing
Endomorphins, a form of pain reliever, is released during inter­course, which is why some women use sex to feel better from experi­encing migraines, or even period cramps.
If intercourse is a form of relaxa­tion or recreation, then by all means, each partner should be non-judgemental and supportive.
Perhaps in time, you will begin to view it the same way as well.
Other factors that impact female sex drive
The longer the relationship, the deeper the emotional security, hence why it’s not surprising if a woman wants to have sex more frequently.
Awkward as it may seem, communicating with each other on sexual preferences takes the guessing game out of the equation and allows both of you to get what you want during intercourse.
What will set you back many steps is when you are far along into a relationship and cheating occurs.
It goes back to wanting to feel desired and special - if your partner discovers you are having sex with another woman, she is bound to feel insecure and unloved.
The betrayal opens up your relationship to very real vulnerabilities, like the fear of contracting a sexually transmitted disease. If you value your relationship with your wife, think twice, and twice more again, before you cheat.
Datuk Dr Nor Ashikin Mokhtar is a consultant obstetrician and gynaecologist. For further information, visit www.primanora. com. The information provided is for* educational and communication purposes only and it should not be construed as personal medical advice. Information published in this article is not intended to replace, supplant or augment a consultation with a health professional regarding the reader's own medical care. The Star does not give any warranty on accuracy, completeness, functionality, usefulness or other assurances as to the content appearing in this column. The Star disclaims all responsibility for any losses, damage to property or personal injury suffered directly or indirectly from reliance on such information.


What motivates sexual activity?
Jeremy Nicholson M.S.W., Ph.D.
The Attraction Doctor
Sex makes the world go around. At least, it plays a significant part in dating and relating. Granted, there are natural variations in sexual expression and "appetite". But, despite what some perspectives might argue, many men and women, of various ages, cultures, and sexual orientations all are motivated to (at least occasionally) say yes to sex.
The problem, however, is that each partner may want sex for different reasons. Each may have a different motivation for saying "yes". When those specific motivations are not addressed and underlying needs are not met, sex either doesn't occur - or ends up being dissatisfying. A classic example is the woman who has sex as an expression of "love and commitment", being disappointed when she finds her partner has had sex for only "pleasure". Or, the man who has sex as an expression of his "desirability and passion", only to be disappointed that his partner was motivated only by his "resources and social status".
In an effort to help you avoid such disappointments (and, if you want, persuade your partner into bed), below I will discuss the research on sexual motivation. You will learn why people say yes to sex. You will also learn to spot these motivations - and avoid them, or capitalize on them, as you please. In the end though, I will leave the decision about which motivations are "right" and "wrong" for you individually. I'm just reporting the facts...and helping you reach your own goals.
Why Humans Have Sex
A notable study on sexual motivation was a collaborative work in the 2007 Archives of Sexual Behavior by Cindy Meston (a clinical psychologist and sex researcher) and David Buss (an evolutionary psychologist). Meston and Buss (2007) surveyed men and women, in two studies, about the reasons why they had sex. In the first study, participants reported 237 unique reasons for saying yes to sexual activity. In the second study, those 237 reasons were categorized into four large groups, and 13 sub-groups.
So, according to Meston and Buss (2007), people generally say yes to sex for the following reasons:
Emotional Reasons:
Love and Commitment - to feel connected, to bond, to express love, and to intensify a relationship.
Expression - to express an emotion to a partner, such as "thank you" or "I missed you".
Physical Reasons:
Pleasure - to feel good, have fun, and experience orgasm.
Stress Reduction - to relieve frustration, anxiety, and stress.
Physical Desirability - to be sexual with someone who is attractive and desirable physically.
Experience Seeking - to see what sex is all about, act out a fantasy, or have an adventure.
Goal Attainment Reasons:
Resources - to obtain something, such as a job, money, or even a child.
Social Status - to be popular, impress friends, or enhance a reputation.
Revenge - to get back at a partner, make someone jealous, or "rebound" from a relationship.
Utilitarian - to get out of doing something, test compatibility, or even change the conversation.
Insecurity Reasons:
Self-Esteem Boost - to feel better, powerful, attractive, or get attention.
Duty/Pressure - to fulfill an obligation, expectation, or duty.
Mate Guarding - to get a partner to stay, to promote faithfulness, or prevent a break-up…

Editor’s say
Sunita Chhabra
Being beautiful inside and out is something everyone should aspire to. It is not as easy as it sounds as most of us do have our own inner demons to conquer. It could be envy, anger, ambition, selfishness, greed, resentment or any other emotion that sometimes makes us do things that are not admirable.
Achieving outside beauty is not too difficult nowadays. With the help of the right cosmetics and clothes, anyone can look attractive.
Surgery is also widely available if physical beauty is really important to you.
Inner loveliness is actually harder to achieve and unfortunately, some don't even bother to try. They think that as long as no one can spot their meanness or their ill-nature, it doesn't matter. After all, outwardly they know how to behave well, as though they are caring, compassionate people. What they sadly don't realise is that even though externally they may look stunning, what's inside does show as well. Whether it is through their aura or some other mysterious way, people who are ugly inside will get detected and they will soon find that people start staying away from them. They may then start blaming everyone and wondering why they are not well-liked but the solution is not to rant at others but instead find time to reflect on what is lacking in their own inherent beauty. After that, an effort has to be made to improve themselves. It is so much easier to say that the world is unfair or everyone else is being unreasonable or difficult. What is hard or almost impossible for some to do is to look at the man (or woman) in the mirror and honestly ask if you are beautiful from your core.
The wonderful thing about inner beauty is that outer beauty will ultimately fade over time but inner beauty can just grow and grow ... and this is the very reason that you must invest in this! It can take you all the way in life to wherever you want to go and whatever you want to do. Heavenly happiness, unlimited abundance and the joys of paradise await those with golden hearts both in this world and the next.

Read more…
WHEN it comes to emotional intimacy, it's true that women are wired to need it more than men. Sex is a way of letting them express, and in fact, build intimacy.
Sex is a vital aspect of who we are, the place where Heaven and Earth come ... That she was saying yes, not only to Sex, but to something else much bigger, ...
May 27, 2016 - Sex therapist and educator Jacqueline Hellyer explains why you should come from a place of 'yes.' | Australian Women's Weekly content ...
The Twisted Truth Behind Why Girls Say Yes To Sex When They Mean No. By ... According to data collected in Why Women Have Sexwomen often ... It seems that when some girls have sex with a guy, they come to think that ...
Why don't women just say what they really mean when it comes to sex? Some of the main reasons why a woman will say “No” when she really means “Yes” or ...
And as sexual matters have become much more open for discussion, there has been a sea-change when it comes to women asking their ...
Why healthy interdependence in marriage is the key to mutual sexual satisfaction. ... Some Christian teachers and leaders have told women never to say no to their ... Then come together again so that Satan will not tempt you because of your ...
Women's sexual right to say “yes” should be respected, including their ... when it comesto their right to freely enhance and shape their sexual ...
A classic example is the woman who has sex as an expression of "love ... to Meston and Buss (2007), people generally say yes to sex for the ...
Women are smarter when it comes to dating — they hold all of the cards. ... the caveat that ultimately, women have the power to say yes or no.


Other references...
Read more...
One of the biggest differences between you and your husband is the fact that he experiences sex as a legitimate physical need. ... Your husband's sexual desire is impacted by what's around him but is determined by biological factors, specifically the presence of testosterone in his ...
RSVP to join weekly calls on Love, Sex & Relationships – How many times have we heard the phrase, “All men want is sex?” When I was 17 ...
The message couldn't be more obvious: When it comes to sexmen and women havevery different needs. This used to be something people ...
Of course – understanding a man's needs is not about just giving him sexMen havemany other needs, too. But the issue of sex is one that ...
"Men want sex more often than women at the start of a relationship, in the middle of it, and after many years of it," Baumeister concludes after reviewing several ...
You might wonder why it is that men care so much about sex. Or why is sex so important to men? Women have wondered for years why this ...
Sex during morning time is quite common. Here are some reason why men are always up for sex in the morning as compared to any other time!
If women ever wonder why men "always" seem to want to have sex, these 6 reasons offer some BIG insights.
Women are frustrated with men because they always want sex. Women blame men that they don't know how to love. Men blame women that they only talk about ...
It's believed that men are so consumed by our libido that we have no self-consciousness surrounding sex. But men are no different from women ...