The Origin of SENHENG

By Tan Yen Fong

As the person helming the company, Mr. Lim Kim Heng’s spirit and determination is the strongest backing for his team. Things would be totally different if not for him. 

He came from a poor family. His father passed away at a young age, and in order to avoid the high cost of living in Klang, the family moved to a village in Kuala Selangor. Mr. KH Lim was the fifth child in a family of seven children. 

His family was very poor. “I still remember we used to eat salted fish and porridge every day. Meat was something we could only savour during Chinese New Year.”

“There was only one thing in my mind then – to change our lives. I knew that if I wanted to make more money, I had to study hard. Furthermore, I liked to be recognized and complimented, so I was determined to get good grades no matter how tough the situation was.” 

One day, he visited a classmate who worked at a time gallery in Pertama Complex. Mr. KH Lim told his classmate how he envied his luck as he himself was still looking for a job. His classmate told him that the electrical shop next door was hiring and asked him to try his luck there. 

At the meeting, the boss of the electrical shop said the company had no intention of hiring him, and he was meeting him only because of his persistence. They had thought that the ‘kampong boy’ would give up after three weeks. In the end, they had given in to his persistence and called him in for an interview. 

Eventually, he got the job. 

But unfortunately, he ended up being retrenched at his first job, his former boss remained his mentor for a long time and they are still friends till today.

“If he had not given me that first chance, I would never have ventured into this industry, never have set up Senheng. That opportunity taught me so much about the industry.”

Later then, Mr. KH Lim and his two brothers raised a capital of RM90,000 to set up Senheng in 1989. For 20 years, the three brothers have worked together with one heart and one mind. Mr. KH Lim also differentiated between ‘ownership’ and ‘managementship’. In terms of managementship, each handled the department they were best suited to handle. 

Initially, Mr. KH Lim was the only one with the experience in the consumer electrical and electronics retailing industry, while his brothers were trained on the job. Today, Mr. KH Lim’s brothers are capable of handling their departments independently.

“Management is about assigning the right people to the right tasks depending on their skills. When you do that, you will bring out the best in people and their work for the company will yield the best results,” he explains.

If it is said that Senheng’s strength are drawn entirely from the character and ability of Mr. KH Lim, it is perfectly true. He does not need to micro-manage his business because now all his employees works as he works. His ideals have shaped their attitude to work and their work ethics.

From a poor child worker to a sales rookie to a top-ranking consumer electrical and electrics retailer, Mr. KH Lim has always been courageous in the face of challenges. Each challenge that he has faced and overcome has taken him to a better position in the industry.

Senheng’s Corporate Culture is based on his principles, and all his employees are glad to adhere to it. Like him, they are ready for challenges, trustworthy, grateful and eager to give back to the society.

Senheng : Corporate Culture – The Engine of Growth (English version)https://kanyinbooks.com/collections/english-book/products/senheng-corporate-culture-the-engine-of-growth-english-version

What Happen to Your Company Without the CRM Restructure?

By Lim Kim Heng

The purpose of a customer relationship management (CRM) approach within a company is to develop better customer experiences and satisfaction while improving company productivity and profits. This is crucial because loyal customers can affect a company’s revenue, and CRM is the precise strategy that will help with increasing business profits. 

1. You will never know your potential customers.

It is harder for a company to increase its revenue and profits without information on its customers. Moreover, a retention programme cannot be executed without CRM, and potential customers may go to another company as opposed to being retained. Research shows that it costs a company seven times more to recruit a new customer than to retain an existing customer. 

Picture this: A customer walks into your shop, Shop A, and to make a purchase. It seems that from him alone, you can get a considerable amount of sales. You give him a receipt for his purchase, and he leaves your shop. Next month, he visits one of your other shops, let’s say Shop B, and again he spends quite a lot of money. Unfortunately, your workers in Shop B do not recognize him. From his visit to your Shop A, we know that this man is a potential asset to your company’s revenue and that he should be turned into a loyal customer. However, without a CRM platform, there is nothing much you can do to capture his data, purchase behaviour, and pattern.

2. Unorganised customer data

Customer data is vital for every retailer. Without the existence of CRM, customer data can still be collected although they are collected manually and stored in hardcopy files. To make things worse, the marketing team and sales team would not able to identify their target customers using this type of data.

Due to unorganised data, the customer service team will find it difficult to solve the customers’ problems and it will take a longer time too. Dissatisfied customers will become even more upset and will not recommend Senheng to anyone else. In other words, CRM and customer information can help your team serve customers faster and with more precision as retargeting. 

3. Time spent doing manual updates

As a business starts to grow, it will become more well-known among customers, and more customers will visit your outlets. To increase your customer database, all customer data must be compiled and stored for data analysis, insights, and improvements. However, without CRM, time spent on manual updates of customer data will increase. Moreover, manual data input is bound to have human errors, which can misdirect potential promotional campaigns. It is more costly to lose a customer than to retain one, hence the importance of CRM.  

4. Paperless initiatives can never be achieved 

Companies like Senheng always put customer satisfaction first. Rewards, such as vouchers, are distributed to Senheng customers to show appreciation for their support for Senheng. All vouchers are typically in paper form since no platform can store e-vouchers. There is a high cost involved in printing and distributing the vouchers to the members. Besides rewards, when a customer makes a purchase, all purchase receipts are still in paper form. Using paper is not a great idea as many issues mat occur, such as vouchers and receipts going missing. If such a problem happens regularly, it will hamper the processes involving voucher redemptions or warranty claims. 

Digital Journey: The GAME, the RULE, the way forward for businesses in digital economy https://kanyinbooks.com/collections/english-book/products/digital-journey

选股的X大标准

黄子伦 著

好像每本关于股票投资的书籍都不免俗地给读者介绍选股标准,所以就有了这篇文章。虽然我的选股策略还没有完全定型(所以是X大标准),不过可以和各位分享我常用的筛选标准:

  • 10年内都有净盈利(net profit)
  • 10年内的营业额和净盈利都有5%的年度增长率(year-over-year growth rate)
  • 10年内都有正数CFO(positive operating cash flow)
  • 10年内有正数自由现金流(free cash flow)
  • 10年内的股本回报率(return on common equity, ROE)至少10%

马来西亚900多只股票,能够满足以上条件绝对是凤毛麟角。所以,公司的10年财务数据之内能够满足8年就已经很不错了。

然后,我也会根据不同的投资环境改变以上标准的分数、比重,甚至可能会增加一些新的标准,例如在疫情期间我增加了“净现金”(net cash)的标准。因为我认为这些拥有净现金的公司对疫情的抵抗能力,就会比那些净负债的公司来得强,生存下来的可能性也更高。也只有生存下来,公司未来(和股票)才有希望。

通常,我会给自己设立大约30%-50%的安全边际(margin of safety),当我对一些公司的顾虑越多,我对安全边际的要求就越大。打个比方·,如果我觉得A公司股票的公允价值(通常就是目标价格)是2令吉,那么我就会想要在1令吉到1.40令吉之间买入。

投资股票要赚钱,除了要提升自己投资正确的概率,更要提升自己投资正确的概率,更要提升自己在投资正确时的赚幅,这样才可以抵消你的亏损。

市面上很多关于分散投资的理论和建议主要是为机构投资者所设立的,因为他们的资金庞大,进出场都会引起股价剧烈波动,所以很讲究·分散投资的策略。对于资金和研究资源相对比较少的散户说,比较理想的股票数量是10只左右,千万不要为了分散投资而分散投资,这是本末倒置。

至于要不要股息,也是很看个人。即使是很多职业投资经理,他们对公司有没有股息的执着程度也不同。我的看法是公司成长潜力比派息能力更重要。当公司成长到一定的规模,或者市场趋向饱和了,他们就会开始努力地派息。今天的股息王,往往都是过去的成长新星。

股票分析 投资揭秘:https://kanyinbooks.com/collections/chinese-book/products/股票分析-投资揭秘-1

SENHENG-成功的企业文化之路!

陳圓鳳 著

以企业的生命周期而言,二十年绝不为短,而新兴电器在20年里,由一家只能陈列五台彩色电视,五台迷你音响系统,五台冰箱及五台洗衣机的小店面,发展成至今拥有超过100家门市的大型企业。而引领着新兴电器走在正确轨道上的核心,正是公司独特的【企业文化】。所以尽管起始点很小,但仍有无限的发展可能,而优良的【企业文化】注定了企业的成功优势也铸就了企业予同仁,予顾客及予同业的态度与价值观。

将心比心

新兴集团创办人-林金兴始终希望新兴公司的员工都能实践对美好生活的追求,因此公司对员工所做出的承诺必须兑现,否则就会产生信心危机。当公司口口声声地说感恩员工的付出,就更不应该把对员工的承诺当儿戏。林金兴始终认为,对员工最大的回馈,就是让他们共享公司的成功。员工也是公司的第一圾顾客,当公司感恩顾客时,首先要感恩的是员工,如果员工都感觉不到公司有感恩的诚意,他们又怎能让顾客相信公司会真诚回馈顾客?当员工亲身经历公司的『感恩』并不是口号,他们在处理回馈顾客的措施时,也会显得理直气壮,并对顾客更有诚意。

把顾客捧在手掌心

企业和顾客的关系,本应该如恋爱中的情侣般 ,保持一种最甜蜜的你追我逐,互相取悦的状态,保持一种互相期待的情绪,尤其是对处在『被动』方的顾客而言,企业主动的善意和热情,应该让他们感觉到自己是受到高度重视的,而不是成交后让顾客投诉无门,气得七窍生烟。当企业以顾客满意为目标,始能在市场上维持竞争力;简单的说,就是企业在进行任何大策略或是小细节之前,都先自问:『这样做对顾客是否有利』,如果没有,那就没有实行的必要:反之,只要有利,就必须倾力去实行。只有得到顾客,则一切的业绩目标才有意义。

摔痛了,才知道怎么走下去

所谓骄兵必败,林金兴因玩忽职守,没有认真肩负身为领导人的责任,这使新兴公司差点面临倒闭的危机,但新兴电器和林金兴在这一次的危机中,以『讲求诚信』转危为安,从此赢得大品牌供应商和所有合作伙伴的尊敬,因为新兴电器即使在自己最困难的时候,都没有选择出卖,而是选择人最崇高的价值观『讲求诚信』。坦诚,可以解决危机。许多人把坦诚挂在嘴边,但碍于利益或是面子,只得撒谎掩盖自己的弱点,再用许多骗话来圆谎,走上一条不归路!坦诚可以赢得信任,特别是在危机时刻,所以平素坦诚的言行,胜于白纸黑字保证。

『企业文化』便是『企业之道』,企业只要守住了『道』就守住了顾客,就贏得了顾客; 回到企业服务社会的本质,服务顾客的本质,企业就不 会迷失在五光十色的市场中,也就能做到『执大象,天下往』!

SENHENG 成长之动力 – 企业文化

4 Rules for Branding Your Business

By Dr Paul Temporal

There is no magic to branding, but there are some rules that need to be adhered to. If a company follows these rules and works hard at managing its brand strategy and image, then it can safely expect rewards to follow. Here are four basic rules that have to be implemented for Malaysian companies to improve their branding.

1. Great brands are built on clear strategy. There needs to be a very clear understanding of what the brand stands for, what the desired consumer perceptions of different target audiences are, and why it is different and better than the competitors’ positioning. These are brand promises and they must be realistic, credible and believable. Importantly, they have to be delivered, that is, great execution in every way.

2. Family companies, owner managers, directors and chief executives of B2B companies have to understand that there is more to branding than logos, design and advertising. Often these things mean nothing to the people they want to influence. If this is the case, then much money can be wasted in trying to keep up with the competitors. It is action that counts, and the customer experience that determines success or failure.

3. There is a need for consistency across all ‘touch of points’ of the brand. This means consistency across all communications from advertising, websites, design, promotions, direct marketing, customer service programmes, and so on. It also means getting buy in from all who work for and in the company. The ambassadors of a company’s brand are not just the top management, but every person a customer or potential customer comes into contact with. Successful corporate brands develop strong brand cultures. 

4. There is a need for strong ‘guardianship’ of the brand. As brands are strategic assets in their own right, they have to be managed as such. It means putting in time and effort and involving everyone in the company. In short, brand management is a strategic agenda item that requires meticulous care. Companies usually monitor numbers – profits, costs, operational and other important data – carefully and regularly, but fail to monitor brand image. A company’s brand should be its most valuable asset.  

B2B Branding in Malaysia. A guide to building successful business-to-business brands.

马来西亚中小企业在“一带一路”计划下的5个优势

陈圆风 编著

实事求是的分析,我国中小企业在“一带一路”席卷的企业大迁徙浪潮中,拥有以下几种在地优势,关键是要善于利用及加强。

第一:整合人脉与通路优势

中小企业在奋斗的过程中,深深扎根于本土,不论是在官方或是企业界,都有自己独特的人脉优势和通路优势,外来的大企业是无法企及的。

中小企业老板们应该深思及整合自身的人脉与通路优势,成为外资大企业和大项目的在地合作伙伴,哪怕是成为项目中介也大有可为之处。

第二:服务业的人和优势

外资企业夹带资金和技术优势而来,然而,对本地民情风俗缺乏了解,特别是面向政府和社会大众时,如何表现善意和友好是他们急需解决的问题。

本地的服务业,如公关行业、印刷业、媒体行业、人力资源管理机构、教育和培训产业、餐饮供应、生活服务如洗衣、员工宿舍等服务性行业,应该争取成为外资企业的助力,这也是拓展业务的最佳机会。

第三:专业人才的优势

外资企业拿下本地的大型基建发展项目后,在兴建的过程中,需要很多本地的专才,如质量管理员、工程师、工程管理员等,这些问题都牵涉当地政府标准和当地语言沟通,因此,唯有本地专才才能胜任。

拥有这方面资源的本地中小企业,可以成立人才机构或是组织人才网络,为外资企业供应各方面的专才,提高本地专才的地位,也为我国培养国际项目人才。

第四:原材料供应

每一个大项目都会拉动上下游的原料供应商扩展市场的机会,这是很明显的,关键是本地中小企业如何确保自己的供应渠道通畅,原料素质更好及价格更有竞争力,这些都是需要调整和考虑的。

供应商如果长期困在价格竞争里,就只有死路一条,相反的,而应该乘着“一带一路”的商机进行资源整合及通路整合,团结力量,为外资企业提供最优质和最优竞争力的服务。

第五:争取成为专业代理人

外资企业进军本地市场,在方方面面都需要本地人穿针引线,所谓“地头蛇”总有地方优势,中小企业要争取成为外资企业的代理人,赚取顾问费或是佣金。

切莫小看这些业务,做得好,那也是大有可为的,总好过在原来有限的市场里竞争得头破血流,外资企业提供的业务空间是中小企业本来就无法企及的。

一带一路:中小企业商机大战略: https://kanyinbooks.com/collections/chinese-book/products/%E4%B8%80%E5%B8%A6%E4%B8%80%E8%B7%AF-%E4%B8%AD%E5%B0%8F%E4%BC%81%E4%B8%9A%E5%95%86%E6%9C%BA%E5%A4%A7%E6%88%98%E7%95%A5

Why Do Some People Always Experience Failure?

By Derric Chew

1. They don’t respect the value of time.

People who have failed have little regard for their time. They can be found anywhere, at any time, because they lack the ability to focus their attention on their aims. Every year, they make new promises that they never keep because they are too lazy to put in the time required to attain their objectives. Learning to manage our time and ridentify which responsibilities to take on is an important step toward attaining tremendous success in any aspect of our lives.

2. They do not act in accordance with their objectives.

The further up on your value hierarchy a goal is, the more discipline and order it has. The lower in your value hierarchy a goal is, the less discipline and disorder it will bring. Unsuccessful people confuse busyness with productivity. They’re active in everything, but nothing they achieve is in line with their values and goals. Keeping track of your goals in a notebook and employing techniques to help you get there will aid you in spotting flaws.

3. They never take responsibility for their commitment.

Unsuccessful people are those who are content with achieving ordinary or below-average outcomes and will not bother to look for effective solutions to improve their situation.

Those who never take responsibility and accountability seriously for what they have committed will never become successful. Many thought they can be successful without being responsible for what they have committed to do, they just stuck in their own fantasy for the rest of their life.

4. They have set limits for themselves.

“I’m just not good with numbers,” unsuccessful people say, and “I simply don’t think I can run a lucrative firm.” They make boundaries for themselves and excuse their conduct, but it’s really just a way of avoiding missing out. Get rid of the idea that you only have a limited range of skills and talents for a restricted set of activities, and that you aren’t as smart as everyone else. Life requires you to make the most of yourself, both for yourself and for others.

5. They have a knack for finding reasons to justify their actions.

These are the people who will make excuses and rationalise why they can’t or shouldn’t do anything. This horrible behaviour is frequently misinterpreted by them as “just being realistic.” They are lacking in imagination and are always seeking for reasons why something should not be, but they never try. The simplest method to cope with this is to stop your mind from making excuses and re-ignite the motor that started it all.

6. They are not well-mannered.

Unsuccessful persons typically have a low social IQ. They say things like “at the very least, I’m being honest” or “this is who I am, live with it.” They have no idea how to treat other people and are frequently haughty for no apparent reason. Nobody likes a braggart, a braggart, a humble boaster, or someone who can’t say thank you when they’re complimented. These characteristics are unseemly and unworthy of true class acts. It’s simple to be kind and polite to somebody you like; being nice and polite to someone you can’t stand or with whom you have a regular argument takes character.

7. They are slackers.

The irony here is that they are almost always self-described slackers. They are unconcerned with their appearance. This is due to their inability to comprehend the importance of time. They don’t mind living in the past. They go through life as if they’ve just gotten a new job. Let’s simply see how round one goes, and if that doesn’t work, we’ll try next, rewind, or pause. Understanding that you begin dying the moment you are born, as well as the knowledge to recognise that every day is a gift, and you owe it to yourself to accomplish everything you can in those twenty-four hours because nothing is certain tomorrow.

8. They do nothing.

It’s possible that the simplicity of this rule of life causes them to overlook the magnitude of its consequences. Unsuccessful people have a proclivity for pondering and leaving footprints in the sands of time. They might talk a big game and have huge dreams, but they lack the confidence to take action. Stop daydreaming about what might be; dreams are fine in and of themselves, but get up, show up, and DO something. Stop gathering at the coffee shop and go do something productive.

9. Unable to deal with difficulties.

When things get painful, when things get a little hard, many people give up all too fast; they want roses without the thorns, kids without labour, and a pot of gold at the end of the rainbow without having to brave the storm. Overcoming obstacles not only gets us closer to our objectives, but it also transforms us into someone we never imagined we could be. Don’t be scared to face your concerns and venture into unfamiliar area; step outside of your comfort zone and take on new challenges. In the face of hardship, courage emerges.

10. They don’t seem to care.

Unsuccessful people never have an opinion on anything, are incapable of making decisions, and are borderline stupid. If it isn’t immediately related to what they know, they can’t have intelligent talks and aren’t open-minded. They believe that everyone should have their own perspective on life. They don’t care about anything and don’t believe in anything. They don’t read, they don’t continue their education beyond “formal education,” and they don’t care about how they look. They don’t mind if they never reach their full potential since they’ve found a way to be bored in a world full of wonder and curiosity. The silent killer is apathy.

11. Too distracted.

How is it possible a person can run in four different directions at the same time? Prove it to me if you can do it, I’m more than happy to see how you do it. Being too greedy to grab as many gold bars as possible might ended losing everything at the end. Most people understand how dangerous being too distracted, just that not many willing to face the truth.

Derric Chew’s Youtube:
https://www.youtube.com/channel/UC3oU1ezWtxFoM0pYWZ5u6hw

Derric Chew’s Facebook:
https://www.facebook.com/DerricChew/?ref=page_internal

Derric Chew’s Instagram:
https://www.instagram.com/derricchew/

Derric Chew’s Website:
https://derricchew.com/

追寻人生的意义—从理财开始

吴启聪

各位大观的读者大家好,我是吴启聪,《新手买股一本通》和《财务自由一本通》的作者。相信大家都很好奇,为何我身为一名执业牙医,却会跑去写两本跟理财有关的书籍呢?那是因为,我在近几年发现了人生的终极真谛,所以我急于向全世界分享我的心得。

对于绝大多数人来说,莫说是低薪的劳动阶级,即使是相当高收入的中产阶级,都离不开财务的牢笼。供车、供屋已经占据了大半的薪水,再加伙食费和其他生活开销,会发现余钱所剩无几,没有办法存钱。而且同样的日子日复一日、年复一年,让你完全不敢丢掉你现在手里的饭碗,一旦丢掉,你就不知今后要何去何从。而你每天都必须沉浸在朝九晚五的工作,每天做工累得像头牛一样,不知道何时才是个头。

这种生活,会让你的人生彻底失去意义,你做工只是为了混一口饭吃,你完全无法从工作中得到成就感,而这种日子可能一直延续到老到死。为了打破上述的困境,我们必须追寻人生的意义,而这一切都从理财开始。

我在《财务自由一本通》里面,灌输大家正确的理财观念,尤其是如何开源节流,最大化手上的子弹,投入投资,让它钱生钱,不断越滚越大,一直到被动收入可以超越生活开销后,这时你就正式宣告财务自由了。唯有达到了财务自由,人们才能从财务的牢笼里挣脱出来,不再为混一口饭吃而做自己不喜欢的工作;可以根据自己的兴趣爱好,投身自己想要的领域,如此一来才能找寻到自己人生的意义。

怎样的人生才叫做有意义?自由自在。自由是身体不受任何因素捆绑,想去哪就去哪,想做啥就做啥;自在是精神不受任何因素捆绑,无时无刻都处于无忧无虑的状态,尽情放松,享受人生。很多人喜欢把人生的成功失败,用财富的多寡来定义,但我不认同,我认为人生的成功,必须建立于快乐,而快乐又必须建立于自由自在。财富,只需要财务自由即可,不需要金山银山;纵使你有家财万贯,但若你仍需要时刻为事业操心,那就不叫成功了。

我在《财务自由一本通》里也有教导一些正道的投资理念,我建议的投资顺序为:信托基金、产托股、蓝筹股、成长股。按照顺序,一步一步摸索这些投资工具,循序渐进,等到已经驾轻就熟了,才更上一层楼,一直到最后能驾驭成长股为止。投资到了最后的境界,是为价值投资,就是不需要再日夜盯盘操盘,而是抱着一个稳定的心态,长期持有具备价值的股票,坐等这些股票源源不断制造被动收入给你。

因为买卖股票需要具备很多相关的专业知识,我在《财务自由一本通》里面只能大概给个概念而已,无法深入详谈细节,所以我另外写了一本《新手买股一本通》,里面教会了读者一切有关股票的知识和技能。我所提倡的股票理念不外乎十字真言:基本面选股,技术面买卖。就是用基本面挑选出最好的公司股票,尤其是可以持续成长的赚钱公司;然后用技术面挑选买点和卖点,核心操作是低买高卖,低价买入、高价卖出。

除了基本面和技术面,我在《新手买股一本通》也列明了股市新手往往会踏入的陷阱,教会他们如何提早发现这些陷阱,并且避开它们。

我的愿望是,希望通过我这两本书,能够让全社会的人士,尤其是初入社会的年轻人,能够找到一个明确的方向,通过正确的理财和投资,早日达到财务自由,并且过上自由自在的人生,从此找到人生的意义。对我个人来说,我人生最大的成就,就是某天,我的读者告诉我,我的书启发和改变了他的人生。

Youtube:
Ng Kee Chung吴启聪
https://www.youtube.com/channel/UCjj9voTiuzmViCOMpxO6naQ

新手买股一本通: https://kanyinbooks.com/collections/books/products/%E6%96%B0%E6%89%8B%E4%B9%B0%E8%82%A1%E4%B8%80%E6%9C%AC%E9%80%9A

财务自由一本通:
https://kanyinbooks.com/collections/chinese-book/products/%E8%B4%A2%E5%8A%A1%E8%87%AA%E7%94%B1%E4%B8%80%E6%9C%AC%E9%80%9A-%E9%A2%84%E8%B4%AD

A Beginner Guide: How to Build Your Business Network Connection

By Bill Teh

Nowadays, corporate culture and social fission are indispensable. You can quickly learn and study their marketing tactics, how to build networks, how to design systems, and how to do product packaging. You are not required to pay physical stores, advertisements and utility bills. It only requires you to sell the products to customers with the hope that they will introduce more customer to you.

This method is called direct selling model in which connects a network of people and consumers with consumers. One company that thoroughgoing practice this method is Amway. They have found their strongest capabilities on social networking. In spite of the fact that, their tactics is focus on the network resources behind each customer and in the end turn your customers into your community of interests.

Be the platform for your customers

Transforming your company into a platform by not just selling the products but talks about the business opportunities with your customers.

Have you ever thought about helping your customers become entrepreneurs?

It is full of opportunities for anyone who wish to start their own business. Traditional companies always think about controlling costs and how to keep their headcount to the minimum.

Today, Taobao and WeChat are the largest entrepreneur platforms in China. In consideration of that, everyone involved in the WeChat business is happily working for themselves. The core value of this platform concept is to reposition yourself from what you want to do what your customers want to do.

There is a woman lingerie brand called XFHL, which was little known until it ranked in $5 billion sales in two years through WeChat. When the news broke out, it stunned and frustrated those who had been in the same woman lingerie business for more than 10 years. They were only making a few billion dollars but had opened thousands of stores.

Presently, you must think about how to transform your company into a platform for entrepreneur ship, by then the company will not have to go out to hunt for customers.

The business crossover

We must learn to find a crossover business where the profits do not rely on our main business. Our main business is the place where we cultivate relationship with customers or clients and build our network of contacts. The future of business will be to sell plenty of products to customers and these customers will help us to find more customers to buy our products and so on.

In the future, the business owner will become the brand, the celebrity and the media of the business itself. This is because in the future, the owner of the business will become the central influence of the business. The business owner’s responsibility is to continuously find new revenue points for the company because all company follow the industry cycle, which goes through three profit stages – good profits at the beginning, low profits in the middle, and no profit at the end. 

The ecosystem to sustain your business

The formula for a profitable company is resources plus operations = profit. Today, it is more difficult to do business because the business ecosystem has been destroyed.

In fact, the number of people doing business has begun to outnumber the customers. Since the ecosystem in the business world has changed, we’ll have to think out of the box to solve the problem. We have to leave the traditional way of thinking behind and build our own resources.

For example, during the process of starting your company, invest your money in other companies; let others invest in your company.

Jack Ma proposed the eWTP (Electric World Trade Platform) to establish cross border e-commerce. This would help developing countries and SMEs to participate in globalization and allow people everywhere to achieve ‘global buying, global selling’ on this platform. In turn, it would allow goods from all over the world to move freely.

In this era, the company’s direction should not be focused on hiring more employees and controlling cost. What you should do is to study how to turn your company into an entrepreneurial platform.

Shark Tank
https://kanyinbooks.com/collections/english-book/products/shark-tank

投资房地产前你所需知的准则!

颜国安 著

准则1: 不要奢望投资房地产收租,除非租金年回酬率超过10%

大多数人误以为只要每个月的租金收入超过每月贷款摊还数额,那就属于明智的投资,因为这样等于租户长期替投资者交付贷款债务,若干年后投资者就会免费获得产业的最终权。

这些人单纯的想发忽略了一些重要细节:譬如租金的收入的需要交所得税,每年还得缴付产业地税和门牌税,间中出现的维修保养费用也是一笔开销,况且有一段日子可能没有租户出现等等。

准则2:如果非要投资房地产不可,绝对不可忽视地点(location)!

房地产的所在地决定它未来升值的幅度。处于交通方便,地点优越(如靠近繁忙的商业区)的房地产升值较快。在算着适合投资的地点时,我们应该考量该地点位置的风水与未来十年的发展。

诚如物极必反,除了股市,房地产也离不开周期性现象(cyclical phenomenon), 每隔一段时间便会出现产业供应过剩、乏人问津的现象。一旦出现供求失衡,造成新楼盘的售价直线下落,就等于天降甘霖给那些一直以来耐心等待的投资者。

准则3:除了地点(location), 社区(neighbourhood)也对房地产的未来增值扮演着重大影响

假如物业附近的业主或住客皆非富即贵,那么即使该处交通不太方便,环境有欠理想,房地产的价格也会高企不下,需求殷切。

因此,我们绝对不能忽视社区的重要性。

准则4:购买拥有永久地契(free hold),而不是租约地契(lease hold)的房地产

第一个差异显现在地主拥有全的年限。租约地契受年限限制,如60或99年;永久地契则拥有非常久远的年限,如999年。再者,永久地契的土地买卖交易的转让手续容易处理;反之,租约地契的转让手续限制多,因为土地的拥有权属于国家,买卖必须获得相关政府机构的批准。

总而言之,千万不要因为永久地契的房地产比租约地契的房地产贵很多,避重就轻为了省钱而去购买地契有期限的房地产,未来却面对各种难题的困扰,非常头痛,得不偿失。

准则5: 首选有地房地产

最理想的选择是购买不必每个月缴付管理费用,属于永久地契的有地房地产。

为了避免买到劣质房地产,我们必须确保发展商拥有历史悠久的良好交货记录,也要防止出现货不对板、狸猫换太子的问题。在做出购买的决定之前,最好趁下大雨时仔细观察产业单位是否存在积水的问题、左邻右舍是否为人随和友善。

简单投资致富
https://kanyinbooks.com/collections/chinese-book/products/%E7%AE%80%E5%8D%95%E6%8A%95%E8%B5%84%E8%87%B4%E5%AF%8C-pre-order-%E9%A2%84%E8%B4%AD

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