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Why we are
   here?
To learn the secrets of
 the wealthy person
“The poor & middle class
   work for money . “
The rich have money work
        for them”.

THE RICH DON’T WORK
     FOR MONEY.
The Million
Business Model
The Million Business Model

1 Share something                4 Build a Group
                                    ( Savers )



                     Million
                               5 Build an Effective
2 Sell something     Dollar
                               Business System
                    Business



3 Build a Group                 6 Use information
   ( Agents )                        technology
The Billion Business Model

1 Share something                4 Build a Group
                                    ( Savers )



                     Million
                               5 Build an Effective
2 Sell something     Dollar
                               Business System
                    Business



3 Build a Group                 6 Use information
   ( Agents )                        technology
Share something
Share something


Useful information which can add
       Value to their life
Work To Learn – DON’T WORK FOR MONEY

Specialization narrows your options and hence your Earning
Abilities.
The main management skills needed for Success are,
1)    The management of CASH FLOW.
2)    The management of Systems.
3)    The management of People.
4)    Skill of selling & Marketing
5)    Communication skill and Most importantly,
6)    We need to be a good Teacher.
      To be truly Rich , we need to be able to give as well as to
      receive.
Impact on Various Income level
           Groups
“THE WEALTHY BUY ASSETS, THE POOR
 BUY LIABILITIES, and THE MIDDLE
 CLASS BUY LIABILITIES BELIEVING THEY
 ARE ASSETS”
In order to find out
we need to first look
at what is the
difference between


Asset and Liability.
WHICH CLASS
         DO
        YOU
        FALL
      INTO?
“An asset is
                         something that
                         puts money into
                         your pocket
                         while a liability
Robert Kiyosaki author
of book “Rich Dad Poor   is something
Dad” says,
                         that takes
                         money out of
                         your pocket”.
LIABILITIES
   THE POOR WILL BUY THINGS.

  THEY LACK A LONG TERM
 PERSPECTIVE SO THEY BUY
 CONSUMABLES AND ENJOY USING
 THEM UP QUICKLY.
         TYPICAL LIABILITIES OF
         POOR
To Do’s
    • Take Actions

• DON’T PLAY IT SAFE

   • PLAY SMART
                       •
The Million Business Model

1 Share something                 4 Build a Group
                                     ( Savers )



                     Million
                               5 Build an Effective
2 Sell something     Dollar
                               Business System
                    Business



3 Build a Group                 6 Use information
   ( Agents )                        technology
Sell something
Sell What?

Hedge Fund, Invest in Agarwood,
   Generate 30% Returns with
      Capital Protection
Hedge Fund



      Alfred Winslow Jones (1900-1988)
•   The First Hedge fund was set up in 1949
             To Hedge means
     “Secure to Against Loss”
WHO
           INVESTED IN HEDGE FUND ?




              Pension funds    Endowments

               Insurance          Private
               companies           Banks

                High net worth individuals


They invest in Hedge funds to minimize overall portfolio
volatility and Enhance returns. Now we have the CHANCE
HOW BIG
           HEDGE FUND INDUSTRIES?


                            Today


                                           more than
9,255 Hedge Funds
   exist worldwide                         1.1 trillion USD




                     Risen by about 20% per year
UNI- ARGROW
    CAMBODIA CO., LTD.




Agarwood
Joint-Holdings
Why invest in Agarwood?
 “Investors who have lost patience with the
 stock market may want to take a walk in the
 woods, trees harvested as timber, make up
 one of the few investments whose return
 have outpaced stocks, bonds and real
 estate over the last 30 years”        ……
 New York Times. com August 2001
Greater Value and Return
• According to Investment Property Databank (
  www.ipd.com) "Forestry was the best performing
  asset class in 2007, delivering average profits in
  excess of 31.6%”
• US Pension schemes and mutual funds have
  included this sector in their portfolios for dozens of
  years
• Harvard University has included upwards of 12% of
  their endowment funds in agarwood
30% p.a
                FIXED RETURN
                                   Monthly Income Distribution




        Capital Protection


                                   Latin American
                                   Foundation
Argrow Series
                                    Regulated by the Republic of Panama
    0809                           National Exchange Commission




                    Qualified
                    Fund Manager
Certificate of Investment
                                            投资证书



Certificate of Holding Protection
         股本保证证书
Your 30% SAVING Plan
         你的 30% 储蓄计划
     AMOUNT      1 Year EARN   3 Year EARN
    1. RM 3,600    RM 1,080      RM 3,240
    2. RM 7,200    RM 2,160      RM 6,480
    3. RM 10,800   RM 3,240      RM 9,720
    4. RM 14,400   RM 4,320      RM 12,960
    5. RM 18,000   RM 5,400      RM 16,200
    6. RM 21,600   RM 6,480      RM 19,440
    7. RM 25,200   RM 7,560      RM 22,680
    8. RM 28,800   RM 8,640      RM 25,920
    9. RM 32,400   RM 9,720      RM 29,160
   10.RM 36,000    RM 10,800     RM 32,400
The Million Business Model

1 Share something                4 Build a Group
                                    ( Savers )



                     Million
                               5 Build an Effective
2 Sell something     Dollar
                               Business System
                    Business



3 Build a Group                 6 Use information
   ( Agents )                        technology
Build a Team
Build a Team



 Each recruit 2
A Team 10
B Team 10
The Billion Business Model

1 Share something                4 Build a Group
                                    ( Savers )



                     Million
                               5 Build an Effective
2 Sell something     Dollar
                               Business System
                    Business



3 Build a Group                 6 Use information
   ( Agents )                        technology
Build a Group
 ( Investors )

Each Portfolio Advisor
       5 Units
Where?
1.Bank ( FD & Saving )= RM322 Bill
2.Unit Trust Industries = RM 90 Bil
3.Life Insurance Saving = RM 100 Bi
How?
Zero Capitals Investment
       Program
         ZCIP
What are Your Dreams?

Realize            Your       Dream
Your               Family     Home
Potential




               Lifestyle          Retire
                                  Early …
                                  Travel
                                  Around
                                  the
                                  World …
Income   Dreams


              Dream Home


                  Quality Lifestyle


                   Education

                  Dream Car


                   Travel
What is ZCIP - Zero Capitals
      Investment program
Zero Capitals Investment Program allows you to
invest in a NO RISK and MEDIUM RETURN
project ( Holding of Agarwood trees ) by using only
your good credit (Unused Fund- Eg Life Insurance
Cash Value or FD in bank) and no cash, with an
Authorizes, Legitimate, Professional, and Safe
team as your partner, doing all the work & Assure
you to have Fixed return of 30 % per year.
Your Unique benefits
 No outlay of cash from your pocket – participate
  using your good credit only
 You do nothing - every step of the process is
  handled for you
 Super rich man secret – opportunity to invest in
  the assets which all time only control by accredited
  investors of the world
 Hassle free - you never have to deal with
  anything, just sign the contract and enjoy the
  benefits
 No cost to you - the company pay all the
  expenses for enhancement of the project.
 High return – in the period of 3 years investment,
  your total gain is 90 %.
 Short time frame – each investment cycle only
  take 3 year.
 Business opportunity – you will also given an
  opportunity to join our business as our team
  member.
Why invest in Agarwood?
 “Investors who have lost patience with the
 stock market may want to take a walk in the
 woods, trees harvested as timber, make up
 one of the few investments whose return
 have outpaced stocks, bonds and real
 estate over the last 30 years”        ……
 New York Times. com August 2001
Why invest in Agarwood?
 If you are an investor……
 Portfolio Diversification – Forestry returns are
  uncorrelated with trends that may affect the stock
  market Trees grow in value regardless of market
  condition
 Stable Profits – stable profit featured from the
  biological growth of the plant
 Low Risk Investing – Forest investments have
  produced equity-like returns with bond-like risk
 Capital Preservation – a good way to protect your
  capital or wealth against inflation
Why invest in Agarwood?
 Time Management – Forestry investment requires minimal
    management once the initial investment is made.
   Global Demand – A lack of supply worldwide has created a
    strong opportunity for investment in exotic timbers
   CSR – Good Public Relations and marketing are a by
    product of socially responsible and ethical investments.
   Tangible Asset – a good way to protect your capital or
    wealth against currency fluctuations
   Built in Hedge – If the price is unfavorable leaving non
    perishables in the ground means you have a bigger,
    heavier more valuable asset at harvest
How it work?
Unused fund in
Insurance Company or
FD in Bank       $10,000
Unused fund in Insurance
Company or
FD In Bank           $10,000
_______________________
Hold for 3 years @ 3 %
growth
Unused fund or FD   $10,000
Cash                $   900
Unused fund or FD   $10,000
Cash                $   900
_______________________
Value               $10,900
Unused fund or FD   $10,000
Cash                $   900
Unused fund or FD   $10,000
Cash                $   900
_______________________
Value               $10,900
Unused fund or FD   $10,000
Cash                $   900
_______________________
Value               $10,900
Profit              $   900
Unused fund or FD      $10,000
Cash                   $   900
_______________________
Value                  $10,900
Profit                 $   900
Return on Investment
9% in 3 year
Using our zero capital
investment program
Investment Amount   $10,000
Investment Amount   $10,000
From unused
Fund ( Zero
capital from
Pocket)             $10,000
Investment Amount   $10,000
From unused
Fund ( Zero
capital from
Pocket)             $10,000
_______________________
Hold for 3 years @ 30% Fixed
Return
Investment Amount $10,000
From unused
Fund ( Zero
capital from
Pocket)          $10,000
_______________________
Now value       $19,000
Investment Amount   $10,000
From unused
Fund ( Zero
capital from
Pocket)             $10,000
_______________________
Now value       $19,000
Profit              $ 9,000
Investment Amount    $10,000
From unused
Fund                 $10,000
_______________________
Value                $19,000
Profit               $ 9,000
Return in Investment in 3
years is 90%
Dear Investors’, What is your
option? Stay in insurance
company or in the bank to
enjoy 9% growth in 3 years?
OR accept our invitation to
participate our Zero Capitals
Investment program to enjoy
90% in 3 years?
Your Choice




      You can create your Own FREE assets
                        OR
Let other create their FREE assets by given small
             return (3% P.A) back to you

           What is your decision now?
Who?
Old And New Saving Clients
Extraordinary Selling Opportunity…
 By   tapping into the cash value of life
  insurance, We got the opportunity to
  change the face of financial services…
 Creating a robust secondary market.
 Provide a compelling new asset class.
 Allow greater financial flexibility.
 And a dramatically different view of what
  life insurance can do.
 The market is huge.
Old And New Saving Clients
Extraordinary Selling Opportunity…
 By  tapping into the market value of local bank
  saving(RM322 Billion ), We got the opportunity
  to change the face of Malaysia Bank services…
 Creating a robust secondary market.
 Provide a compelling new asset class.
 Greater financial flexibility and return.
 And a dramatically different view of what Bank
  saving can do.
 The Market is huge.
When?
Now!
Act immediately before your clients
      Discover through others
The Billion Business Model

1 Share something                 4 Build a Group
                                     ( Savers )



                     Million
                               5 Build an Effective
2 Sell something     Dollar
                               Business System
                    Business



3 Build a Group                 6 Use information
   ( Agents )                        technology
Build an Effective
 Business System
Build an Effective
         Business System

– Minimum share to one person per day
– Fully master the business presentation powerpoint
– Attend the business preview and training
– Minimum recruit 2 person into the business in first 30
 days of business.
- Secure 5 units of sales in first 30 days of business
- Assist each of your portfolio advisor to recruit 2
- Assist each of your portfolio advisor to sell 5 units
- Promote to senior portfolio advisor
The being-billion strategy

1 Share something                 4 Build a Group
                                     ( Savers )



                     Million
                               5 Build an Effective
2 Sell something     Dollar
                               Business System
                    Business



3 Build a Group                 6 Use information
   ( Agents )                     technology
Use information technology
Use information technology

  Master the details of Argrow
 Business Centre content and its
           application
Remember

1 Share something                  4 Build a Group
                                      ( Savers )



                      Million
                                5 Build an Effective
2 Sell something      Dollar
                                Business System
                     Business



3 Build a Group                  6 Use information
   ( Agents )                         technology
Beware of
           Common mistakes

– Sharing something without selling anything
– Selling something without building anything
– Building a group without emphasizing business system
– Building an effective business system without
  emphasizing the Information Technology
– Not using Information Technology in creative ways
Final words

Believe in yourself
Believe the product
Believe the system
Bold in thinking
Brave in action
Be the tiny frog
Like to know more?
•   Please contact:
•   Dr. Tan Ting Tiam
•   1stzeropremiummastercoach@gmail.com
•   60123284099
•   60147897658

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Million busienss model

  • 1. Why we are here? To learn the secrets of the wealthy person
  • 2. “The poor & middle class work for money . “ The rich have money work for them”. THE RICH DON’T WORK FOR MONEY.
  • 4. The Million Business Model 1 Share something 4 Build a Group ( Savers ) Million 5 Build an Effective 2 Sell something Dollar Business System Business 3 Build a Group 6 Use information ( Agents ) technology
  • 5. The Billion Business Model 1 Share something 4 Build a Group ( Savers ) Million 5 Build an Effective 2 Sell something Dollar Business System Business 3 Build a Group 6 Use information ( Agents ) technology
  • 7. Share something Useful information which can add Value to their life
  • 8. Work To Learn – DON’T WORK FOR MONEY Specialization narrows your options and hence your Earning Abilities. The main management skills needed for Success are, 1) The management of CASH FLOW. 2) The management of Systems. 3) The management of People. 4) Skill of selling & Marketing 5) Communication skill and Most importantly, 6) We need to be a good Teacher. To be truly Rich , we need to be able to give as well as to receive.
  • 9. Impact on Various Income level Groups
  • 10. “THE WEALTHY BUY ASSETS, THE POOR BUY LIABILITIES, and THE MIDDLE CLASS BUY LIABILITIES BELIEVING THEY ARE ASSETS”
  • 11. In order to find out we need to first look at what is the difference between Asset and Liability.
  • 12. WHICH CLASS DO YOU FALL INTO?
  • 13. “An asset is something that puts money into your pocket while a liability Robert Kiyosaki author of book “Rich Dad Poor is something Dad” says, that takes money out of your pocket”.
  • 14. LIABILITIES THE POOR WILL BUY THINGS. THEY LACK A LONG TERM PERSPECTIVE SO THEY BUY CONSUMABLES AND ENJOY USING THEM UP QUICKLY. TYPICAL LIABILITIES OF POOR
  • 15.
  • 16. To Do’s • Take Actions • DON’T PLAY IT SAFE • PLAY SMART •
  • 17. The Million Business Model 1 Share something 4 Build a Group ( Savers ) Million 5 Build an Effective 2 Sell something Dollar Business System Business 3 Build a Group 6 Use information ( Agents ) technology
  • 19. Sell What? Hedge Fund, Invest in Agarwood, Generate 30% Returns with Capital Protection
  • 20. Hedge Fund Alfred Winslow Jones (1900-1988) • The First Hedge fund was set up in 1949 To Hedge means “Secure to Against Loss”
  • 21. WHO INVESTED IN HEDGE FUND ? Pension funds Endowments Insurance Private companies Banks High net worth individuals They invest in Hedge funds to minimize overall portfolio volatility and Enhance returns. Now we have the CHANCE
  • 22. HOW BIG HEDGE FUND INDUSTRIES? Today more than 9,255 Hedge Funds exist worldwide 1.1 trillion USD Risen by about 20% per year
  • 23. UNI- ARGROW CAMBODIA CO., LTD. Agarwood Joint-Holdings
  • 24. Why invest in Agarwood?  “Investors who have lost patience with the stock market may want to take a walk in the woods, trees harvested as timber, make up one of the few investments whose return have outpaced stocks, bonds and real estate over the last 30 years” …… New York Times. com August 2001
  • 25. Greater Value and Return • According to Investment Property Databank ( www.ipd.com) "Forestry was the best performing asset class in 2007, delivering average profits in excess of 31.6%” • US Pension schemes and mutual funds have included this sector in their portfolios for dozens of years • Harvard University has included upwards of 12% of their endowment funds in agarwood
  • 26. 30% p.a FIXED RETURN Monthly Income Distribution Capital Protection Latin American Foundation Argrow Series Regulated by the Republic of Panama 0809 National Exchange Commission Qualified Fund Manager
  • 27. Certificate of Investment 投资证书 Certificate of Holding Protection 股本保证证书
  • 28. Your 30% SAVING Plan 你的 30% 储蓄计划  AMOUNT 1 Year EARN 3 Year EARN  1. RM 3,600 RM 1,080 RM 3,240  2. RM 7,200 RM 2,160 RM 6,480  3. RM 10,800 RM 3,240 RM 9,720  4. RM 14,400 RM 4,320 RM 12,960  5. RM 18,000 RM 5,400 RM 16,200  6. RM 21,600 RM 6,480 RM 19,440  7. RM 25,200 RM 7,560 RM 22,680  8. RM 28,800 RM 8,640 RM 25,920  9. RM 32,400 RM 9,720 RM 29,160  10.RM 36,000 RM 10,800 RM 32,400
  • 29. The Million Business Model 1 Share something 4 Build a Group ( Savers ) Million 5 Build an Effective 2 Sell something Dollar Business System Business 3 Build a Group 6 Use information ( Agents ) technology
  • 31. Build a Team Each recruit 2
  • 32. A Team 10 B Team 10
  • 33. The Billion Business Model 1 Share something 4 Build a Group ( Savers ) Million 5 Build an Effective 2 Sell something Dollar Business System Business 3 Build a Group 6 Use information ( Agents ) technology
  • 34. Build a Group ( Investors ) Each Portfolio Advisor 5 Units
  • 36. 1.Bank ( FD & Saving )= RM322 Bill 2.Unit Trust Industries = RM 90 Bil 3.Life Insurance Saving = RM 100 Bi
  • 37. How?
  • 38. Zero Capitals Investment Program ZCIP
  • 39. What are Your Dreams? Realize Your Dream Your Family Home Potential Lifestyle Retire Early … Travel Around the World …
  • 40. Income Dreams Dream Home Quality Lifestyle Education Dream Car Travel
  • 41. What is ZCIP - Zero Capitals Investment program Zero Capitals Investment Program allows you to invest in a NO RISK and MEDIUM RETURN project ( Holding of Agarwood trees ) by using only your good credit (Unused Fund- Eg Life Insurance Cash Value or FD in bank) and no cash, with an Authorizes, Legitimate, Professional, and Safe team as your partner, doing all the work & Assure you to have Fixed return of 30 % per year.
  • 42. Your Unique benefits  No outlay of cash from your pocket – participate using your good credit only  You do nothing - every step of the process is handled for you  Super rich man secret – opportunity to invest in the assets which all time only control by accredited investors of the world  Hassle free - you never have to deal with anything, just sign the contract and enjoy the benefits
  • 43.  No cost to you - the company pay all the expenses for enhancement of the project.  High return – in the period of 3 years investment, your total gain is 90 %.  Short time frame – each investment cycle only take 3 year.  Business opportunity – you will also given an opportunity to join our business as our team member.
  • 44. Why invest in Agarwood?  “Investors who have lost patience with the stock market may want to take a walk in the woods, trees harvested as timber, make up one of the few investments whose return have outpaced stocks, bonds and real estate over the last 30 years” …… New York Times. com August 2001
  • 45. Why invest in Agarwood?  If you are an investor……  Portfolio Diversification – Forestry returns are uncorrelated with trends that may affect the stock market Trees grow in value regardless of market condition  Stable Profits – stable profit featured from the biological growth of the plant  Low Risk Investing – Forest investments have produced equity-like returns with bond-like risk  Capital Preservation – a good way to protect your capital or wealth against inflation
  • 46. Why invest in Agarwood?  Time Management – Forestry investment requires minimal management once the initial investment is made.  Global Demand – A lack of supply worldwide has created a strong opportunity for investment in exotic timbers  CSR – Good Public Relations and marketing are a by product of socially responsible and ethical investments.  Tangible Asset – a good way to protect your capital or wealth against currency fluctuations  Built in Hedge – If the price is unfavorable leaving non perishables in the ground means you have a bigger, heavier more valuable asset at harvest
  • 48. Unused fund in Insurance Company or FD in Bank $10,000
  • 49. Unused fund in Insurance Company or FD In Bank $10,000 _______________________ Hold for 3 years @ 3 % growth
  • 50. Unused fund or FD $10,000 Cash $ 900
  • 51. Unused fund or FD $10,000 Cash $ 900 _______________________ Value $10,900
  • 52. Unused fund or FD $10,000 Cash $ 900
  • 53. Unused fund or FD $10,000 Cash $ 900 _______________________ Value $10,900
  • 54. Unused fund or FD $10,000 Cash $ 900 _______________________ Value $10,900 Profit $ 900
  • 55. Unused fund or FD $10,000 Cash $ 900 _______________________ Value $10,900 Profit $ 900 Return on Investment 9% in 3 year
  • 56. Using our zero capital investment program
  • 57. Investment Amount $10,000
  • 58. Investment Amount $10,000 From unused Fund ( Zero capital from Pocket) $10,000
  • 59. Investment Amount $10,000 From unused Fund ( Zero capital from Pocket) $10,000 _______________________ Hold for 3 years @ 30% Fixed Return
  • 60. Investment Amount $10,000 From unused Fund ( Zero capital from Pocket) $10,000 _______________________ Now value $19,000
  • 61. Investment Amount $10,000 From unused Fund ( Zero capital from Pocket) $10,000 _______________________ Now value $19,000 Profit $ 9,000
  • 62. Investment Amount $10,000 From unused Fund $10,000 _______________________ Value $19,000 Profit $ 9,000 Return in Investment in 3 years is 90%
  • 63. Dear Investors’, What is your option? Stay in insurance company or in the bank to enjoy 9% growth in 3 years? OR accept our invitation to participate our Zero Capitals Investment program to enjoy 90% in 3 years?
  • 64. Your Choice You can create your Own FREE assets OR Let other create their FREE assets by given small return (3% P.A) back to you What is your decision now?
  • 65. Who?
  • 66. Old And New Saving Clients Extraordinary Selling Opportunity…  By tapping into the cash value of life insurance, We got the opportunity to change the face of financial services…  Creating a robust secondary market.  Provide a compelling new asset class.  Allow greater financial flexibility.  And a dramatically different view of what life insurance can do.  The market is huge.
  • 67. Old And New Saving Clients Extraordinary Selling Opportunity…  By tapping into the market value of local bank saving(RM322 Billion ), We got the opportunity to change the face of Malaysia Bank services…  Creating a robust secondary market.  Provide a compelling new asset class.  Greater financial flexibility and return.  And a dramatically different view of what Bank saving can do.  The Market is huge.
  • 68. When?
  • 69. Now! Act immediately before your clients Discover through others
  • 70. The Billion Business Model 1 Share something 4 Build a Group ( Savers ) Million 5 Build an Effective 2 Sell something Dollar Business System Business 3 Build a Group 6 Use information ( Agents ) technology
  • 71. Build an Effective Business System
  • 72. Build an Effective Business System – Minimum share to one person per day – Fully master the business presentation powerpoint – Attend the business preview and training – Minimum recruit 2 person into the business in first 30 days of business. - Secure 5 units of sales in first 30 days of business - Assist each of your portfolio advisor to recruit 2 - Assist each of your portfolio advisor to sell 5 units - Promote to senior portfolio advisor
  • 73. The being-billion strategy 1 Share something 4 Build a Group ( Savers ) Million 5 Build an Effective 2 Sell something Dollar Business System Business 3 Build a Group 6 Use information ( Agents ) technology
  • 75. Use information technology Master the details of Argrow Business Centre content and its application
  • 76. Remember 1 Share something 4 Build a Group ( Savers ) Million 5 Build an Effective 2 Sell something Dollar Business System Business 3 Build a Group 6 Use information ( Agents ) technology
  • 77. Beware of Common mistakes – Sharing something without selling anything – Selling something without building anything – Building a group without emphasizing business system – Building an effective business system without emphasizing the Information Technology – Not using Information Technology in creative ways
  • 78. Final words Believe in yourself Believe the product Believe the system Bold in thinking Brave in action Be the tiny frog
  • 79. Like to know more? • Please contact: • Dr. Tan Ting Tiam • 1stzeropremiummastercoach@gmail.com • 60123284099 • 60147897658