Terence Timothy

Terence Timothy Senior Assistant Accountant at UMS and Licensed Financial Planner dedicated to helping you thrive.

05/10/2025

I’ve been through challenges… but I’m still here.

Still alive.
Still learning.
Still serving at UMS.
Still protecting families who trust me.
Still helping others grow their wealth and confidence.
Still standing — with faith, purpose, and gratitude.

Story Time! You find a doctor when you’re sick. You find a Licensed Financial Planner when you have money worries.
07/05/2025

Story Time!

You find a doctor when you’re sick.
You find a Licensed Financial Planner when you have money worries.

Let's Talk About  : Debt
06/05/2025

Let's Talk About : Debt

Celebrating the champion!
29/04/2025

Celebrating the champion!

When a health emergency happens, the last thing you want is confusion or delays.That’s why the relationship between you ...
29/04/2025

When a health emergency happens, the last thing you want is confusion or delays.

That’s why the relationship between you (the client/patient), your trusted agent/advisor, and your doctors is so important.

💬 As your advisor, my role is more than just helping you get a medical card — it’s about making sure the process works smoothly when you truly need it.

✅ I help you understand your coverage and waiting period clearly.
✅ I assist in arranging pre-approvals and liaising with hospitals when needed.
✅ I stand by you so that when you are focused on recovery, the paperwork doesn’t become your burden.

💡 Strong teamwork = faster admission, better care, less stress.

Choosing the right medical plan is just the beginning. Choosing the right advisor makes all the difference when it matters most.

🤝 Your health, your rights, your peace of mind — supported every step of the way.

How Did the Market Perform in March?March wasn’t exactly friendly to investors. In fact, many decided to take a step bac...
04/04/2025

How Did the Market Perform in March?
March wasn’t exactly friendly to investors. In fact, many decided to take a step back and play it safe. It was what the market calls a “risk-off” environment — meaning investors preferred safer assets like gold rather than venturing into stocks or crypto.
Here’s what went down:

🔵 FBMKLCI Performance
The FBMKLCI was sluggish throughout March. The index slipped slightly, caught between uncertain regional sentiments and low interest from foreign investors. Banking and energy sectors were under a bit of pressure, while consumer-related stocks remained somewhat stable — but not strong enough to lift the index meaningfully.

🔵 Gold Did Its Own Thing
Gold was on the rise. In times of market uncertainty, gold becomes the go-to safe haven. Prices climbed steadily as investors sought safer places to park their money.

🔵 Copper Climbed Sharply
Copper prices surged, partly due to concerns over potential U.S. tariffs. When there’s a fear of supply disruption, raw materials like copper tend to see rapid price increases.

🔵 Bitcoin Lost Some Steam
Bitcoin, despite having a strong start earlier in the year, stumbled a bit in March. It didn’t crash, but you could feel the pressure. Investors likely pumped the brakes as global market conditions turned shakier.

🔵 Other Assets Followed the Trend
Most other assets — including global equities — failed to impress. Some moved sideways, while others dipped slightly.

March was not a month for bold investors. If you were holding gold, you might’ve had something to smile about. But if you were in stocks or crypto, it was a test of patience. Even the FBMKLCI stayed relatively quiet, waiting for clearer signals from the global economy and foreign investor sentiment.

17/03/2025

Have the mindset of -

I Can.
I Will.
I Must.

Success isn’t just about knowing what to do—it’s about committing to do it.

I CAN break free from financial struggles.
I WILL take action, make better money decisions, and build a solid future.
I MUST stay disciplined because my family, my dreams, and my future depend on it.

No more excuses.
No more delays.
Only progress.

Win Your Week! 🚀Monday comes, and you’ve got two choices—take charge or let the week run you.If you start without a plan...
10/03/2025

Win Your Week! 🚀

Monday comes, and you’ve got two choices—take charge or let the week run you.

If you start without a plan, you’ll spend the whole week just reacting, feeling busy but getting nowhere. By Friday, you’ll be wondering where all your time went.

But if you set your priorities, stay focused, and keep moving forward—you’ll end the week feeling accomplished.

Winning your week isn’t about doing more, it’s about doing what matters. Let’s make this one count! 💪🔥

Norma masa kini. Adakah kita mahu teruskan norma ini? Apakata kita createkan normal baharu di mana tubuh badan sihat, da...
07/03/2025

Norma masa kini.

Adakah kita mahu teruskan norma ini?
Apakata kita createkan normal baharu di mana tubuh badan sihat, dan mempunyai kedudukan kewangan yang mencukupi?

Deal? Lets jom.

Jujur sangat ni. 🤣

Kredit: papa p**i zola

Money.Few things in life can stir up emotions as deeply as money does.Some avoid talking about it – like it’s a taboo to...
27/02/2025

Money.

Few things in life can stir up emotions as deeply as money does.
Some avoid talking about it – like it’s a taboo topic only whispered behind closed doors.

But why is that?

Money can make us feel powerful or powerless.
Guilty when we have it.
Ashamed when we don’t.

Yet, at its core – money is simply a tool.
A means to serve a greater purpose.

It can build dreams or break lives.
It can create freedom or trap us in endless worry.

But what if we stopped giving money so much control over our emotions?
What if we saw money not as the goal… but as a tool to create the life we truly desire?

✅ Empowerment
✅ Security
✅ Freedom
✅ Choice
✅ The ability to bless others

In the end, it’s never really about the money – it’s about what money can make possible.

💬 What does money mean to you?

Let’s rewrite our money story — with intention, purpose, and peace.

Address

Kota Kinabalu

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