Virtual Class     ​English & Bahasa

​Discover the Secret 
​Formula to help you reduce your housing loans. Save Money!


"Too many people spend money they haven't earned, to buy things they don't want, to impress people they don't like"
​
W. Smith 

​His quote above has a deep meaning as many of us didn't realize those mistakes as we are eager to impress others at our expense. Numerous occasions, we buy things we don't need but decided to buy based on our emotions and attracted by excellence marketing campaign and promotion.Self balancing between needs and controlling against the wants will be realized through good financial literacy and frugality.
Do you want to Save your Money and Time?
If your answer is YES. Lets Join our event to Discover the Secret Formula of FEEUMARISE to Reduce your Housing Loan by applying our Formula and strategies to save your money, Save Time and cutting of the interest.
Do you know that you have to pay $206,016.78 interest charged for a housing loan of $250,000 for a period of 30 years with an interest rate of 4.5%? That means you have to pay about 82.41 % of interest to your financing institution.  If that amounts a lot for you and you wanna save it, learn the formula and strategies. 
​​
We are excited to share it with you! ​Financial literacy is a self learning and own initiatives as it never in our school syllabus.          

Discover
​the Tricks of the Trade 
​&
Make your Family Happy by
Saving thousands of Money in long terms

"Beware of little Expenses, a small leak will sink a great ship"
                                                                                                     Benjamin Franklin

Discover

Debt Ratio Barometer,
​Amortization that you never know and the Front Loaded Interest charged 

Plan your Housing Loan financial commitment now to save thousands of dollars later before its too late!

The last chance for a discounted rate!

  VIP Pass                                                     General Ticket

E-Book Costing RM97.00
​FREE for VIP Participants


Our Story
Our Speaker
"He first discovered personal finance and debt recovery solutions when he lost his job and money due to stock market after the Asian economic crisis in 1997 and he have used all his savings. He used his credit card for one year for floating, planting and selling vegetables for survival. It started out that way and he is not going to give you some rosy story about how it changed his life although it actually did.” The world today moves at a much faster rate of change. There is no way to anticipate what will happen around the corner, and no 12-month budget or annual plan has stayed constant without being re-written every couple of months. Instead, focus on having the courage to take that first step to launch, collect lots of feedback, listen to the market, and keep adapting and improving every day - at a faster rate than your competition.

​He started his first construction business anyway and later venture into fish and imported bundle business. All three businesses he ventured into  failed miserably !                                                                                                                          
Along the ways, he faced a lot of challenges, difficulties, unemployed, losing money in stocks market, failed many times but learned from those failures to gain great experienced and strength in life to move forward to a better future. Through those experiences he discovered the secret of managing, restructuring and monetized debts and payoff his 25 years loans within 8 years and saving thousands of ringgit from the interest.  Initially, it never in his mind to explore the business opportunities and speaking for a corporate but those were the things he did those years.  When he is not busy running daily updates on his computer, he love to read and enjoy golfing, explore new ideas and places. He is an introvert but often mis-categorized as an extrovert. He is here to nurture, assist, guide, share and empower, so don’t take everything he say so damn personally. Now, he is the Founder and Director of Gara International Sdn Bhd, owner of Q-Talk Management Services. He has more than 26 years of business and corporate experience started as a Bank Officer and rises up to the level a Director before he embarked into his own consulting and Coaching business​. He also diversified into Transport, Plantation and Fashion Retail business. 
The Best of Friends
The best friends of financial Institutions is Interest, overdue Interest, penalty Interest, compounded interest, fees and charges. Most of the borrowers knowingly ignorant of those fees, interest and charges. Off course all loans will be charged on interest based on what types of loans you secured from the lending institutions but knowingly or unknowingly ignorant will sucking you wealth and money unknowingly.  
Key Take Aways

​​Learning the methods to save the interest and getting back your money!

​Tricks of the Trade 

Our Modules 
Find the Secret Formula Here ​​

You are the CEO of your Own Life.Financial Freedom is not only your choice,it is your responsibility. 

​

    VIP TICKET  RM297.00

> 1 Participant Ticket
> Facebook Group
> Program Workbook for ;
     >Tricks of the Trade
     >Loan Payoff ratios
     >Getting out of debt
     >Balancing Needs vs Controlling the wants
     >7 Secret of Payments 
BONUS ​​​for VIP TICKET
^Free E-Book Rahsia Hutang Cost RM97.000
One Free Session on:
  ^1 Session Group Coaching Cost RM1,900.00
           >Credit Payment traps   cost RM399.00
  


​E-Book Costing RM97.00
​FREE  for  VIP PARTICIPANTS

VIP TICKET

General Ticket RM99
> 1 Participant Ticket
> Facebook Group
Program Work Book
>Tricks of the Trade
>Loan Payoff ratio
>Getting out of debt
>Balancing Needs vs Controlling the wants
>7 Secret of Payments ​​
​

GENERAL TICKET

Online Platform
Virus Free Learning Session
Malaysia, 98000

Book your seat now by just fill up the registration form below if you want to learn how to save your money and time. Learn the process and strategies to reduce your housing loans now.

BOOK NOW

​DISCLAIMER: The GISB Group’s Training Program is designed to guide the Client to learn how to consistently achieve results and make purposeful choices. Although good faith efforts have been taken to preserve Client confidentiality, GISB Group makes no guarantees in this regard or to information communicated by and between Clients in this program. The success of the Clients are also the result of several factors inclusive of personal motivation and intentions, attitudes, knowledge, perseverance, hard work and determination.

PENAFIAN: Program Latihan GISB Group direka untuk membimbing Klien untuk belajar bagaimana untuk mencapai kejayaan secara konsisten dan membuat pilihan yang sesuai. Walaupun usaha sebaiknya telah diambil untuk mengekalkan Privasi Pelanggan, GISB Group tidak memberikan jaminan dalam hal ini atau untuk maklumat yang dikomunikasikan oleh dan antara Klien dalam program ini. Kejayaan Klien juga merupakan hasil daripada beberapa faktor termasuk motivasi dan niat peribadi, sikap, pengetahuan, ketekunan, kerja keras dan tekad.