Life Insurance

Life insurance policies have become very attractive nowadays and you can certainly take the advantages. Some people think thatlife insurance is a waste of money and they do not wish to add extra expenditure in their account. There are also people who have too many life insurance plans and have little or no liquid savings in their bank account.

Life insurances are mainly broken down into two main categories; Traditional and Investment Linked Policies (ILP). The difference between these two is, traditional insurance will guarantee you the bonuses and interest rates. On the other hand, ILP do not guarantee the bonuses and interest rates, in short, risks are bore by ILP owners.

I will not say which one is better and which one will give you higher interest rates. You will have to identify what kind of person you are. Are you a risk taker or a risk adverse person? What I can say is that both do give out handsome bonuses and interest rates. Insurance companies created two types of insurance policy to serve the market demand, not to mislead people.

Having a life insurance policy is like getting medical coverage, accident coverage and death coverage. When you have a life insurance policy, you will also accumulate cash value usually after three years the policy is incepted. You can take advantage of the cash value for emergency purposes. You are able to take up a loan from the cash value that you accumulated and have it cashed in within 3 to 5 working days.

Henceforth, a life insurance policy is not an expense. It is a kind of saving tool plus other coverage. However, you must be committed in your life insurance because you do not want your policy to lapse. In the event if anything happen when your policy had lapse, you will not be insured. My advice is to get a life insurance plan when you are still young and get something that do not have premiums that are high.

Thank you for the support!

I would like to say thank you for those clients who have believed in the products that I sold to them. I appreciate the fact that you believed in me and you invested your hard earned money into the investments products that I recommended. Up to date, I have closed up to $300,000 worth of investments. You may think this is a small amount but consider this factors, I have only started selling investment products for the last 6 months as I have been actively studying and researching the finance industry, I am also running my own business, I am doing internet business and also taking up courses. In short, I only spend less than 4 hours a day thinking about closing clients.

I will try my level best to gather as much information as possible and think even harder to provide you with ideas on how to make money and stay wealthy. My daily queat to learn more about the finance industry is committed to all my existing clients and potential clients.

You may be young, old, fat, slim, or whatever, I will still help you and give my professional views on your current financial problem. in the event when the case I am attending to is very complex, I will get help form my fellow friends who are also actively in the finance industry. I will continue to give my best financial advice to my existing clients and also my potential clients and provide some leverage to your quest to have your financial freedom day. Thank You.

Mother of all rules to be a millionaire!

You may be reading lots of books on wealth creation. You may be even reading books on stocks and shares. You know names like Robert Kiyosaki, Robert G. Allen, Loral Langemeier and Donald trump. You got determined and motivated to start making your millions but after a while of trying, you are still stuck with the same financial status that you are in before reading the books and after reading the books. Ever wondered why?

Well, believe or not, there are missing links to their journey to be a millionaire. These missing links are something that we need to know and practice. I may not know what the missing links are but rest assured I don’t just want to be a millionaire, I want everybody who get into contact with me be a millionaire as well.

The fact is, you cannot be a millionaire just by reading books and articles. You will be a very knowledgeable person not a rich person. Everyone is talking about getting into the mindset of a millionaire but no one tells you to model how millionaires live their life before he became a millionaire! I’m not talking about inherited wealth of course!

Before you start getting millions of dollars, are you skilled enough to handle your present financial situation? We do not have to go into details on net worth, liability and asset just yet. We shall just concentrate on how you manage your dollar and cents. In short, how in the hell are you going to handle one million dollar when you cannot what you are getting now?

Yes, you need to worry about that now! You do not have to worry on what stocks to choose, what other income streams you need to have and who are your team member in your million dollar journey yet. If you have little or no savings now, then you must start saving money. if you always have little or no money left towards the end of the month, you really have a big problem!

Secrets no millionaire will teach!

In order for us to keep improving and ‘feeding’ ourselves with information and news, we must read books, magazines and surf the net. Information is widely available now and you can get any information at the tip of your finger. In business, you must know all the news in your respected niche market and you must be proactive if they are any problems.

That is if you are in business, what if you want to be wealthy and rich? What kind of books and magazines do you have to read? With Internet having millions of information, are you going to read all the information? I’m sure you know what kind of information you want and you know how to get all these information somewhere or another. Agree?

Let me share with you a secret that no one will tell you. This secret is so valuable that when I discovered this secret a few days ago (that is why I have not been posting), I was overloaded with information and I was too excited with my new found information that I had little or no sleep doing research. Well, that is what I love to do. Gather information, research and take advantage!

The secret is what I call ’POWER NETWORKING’. Networking by itself is getting to know as many people as possible in the same group, interact with them and get as many contacts as possible. ‘POWER NETWORKING’ is totally different! Actually not much of a difference, it’s just that, you have to have another killer move when you network.

It so simple that people often forget and do not apply this killer move. Whether you are a doctor, banker or manager, all you need to do is be humble. When you are humble, you automatically can double or even triple your network. When you are humble, you will be exposed to many opportunities. In other words, you can shortcut your journey to be a millionaire! You will eliminate mistakes and when you have less mistakes, you also save time! Time is money!

A little bit more about me!

I have been thinking and dreaming of being a millionaire at a tender age of 18. I used to get myself angry at the rich people because I thought to be rich, I must have rich parents. I must be an heir of a company and I blamed no one but god. I always tell him why I am not born rich and I have to be just another average Joe. I also studied very hard and I thought by having a good qualification can promise me a brighter future.

But I was all wrong!

Getting good papers will guarantee me a good future but will guarantee me a lifetime of wealth. The fist book I read was an entrepreneurship book and I was really motivated by the ideas that the book gave me. However, people around me told me that in order to open a business, I must have a capital! Once again I was disappointed and blamed god why I am not lucky enough!

All these changed after I got myself into a real financial hardship. I was left with just $2 in my pocket and I still have a week to survive. Only then I really thought of ways on how to make more money. Being a millionaire is still a dream that I thought I will not achieve!

One fine day, I asked these questions to myself;

Why other people can be millionaire and I can’t be a millionaire?

What is it that is different between me and the wealthy?

Do I want to have my financial freedom day and how can I achieve it?

I may not be a millionaire yet but I am very determined to be a millionaire! After reading books on wealth creation, investing, financial planning and estate planning, I realize that being a millionaire is not a difficult thing! It’s all about mindset!

Our mind actually controls our behavior and attitude. If we always tell ourselves that we can’t be rich and wealthy, we will not! I learn a valuable lesson and I am going to share with you now! The secret to your success is your mindset! Control your destiny by having a good mindset now! Success is just in front of you, it’s just whether you want it or you really really want it!

Save money even when you're shopping!

Saving money is something very difficult now especially when we are exposed to lots and lots of marketing tactics by marketers. Marketers are trying their best to convince us consumers to buy their product without thinking whether we really need them or we just want them.

Companies are getting famous artist to endorse their products, have killer marketing campaigns and special discounts to consumer. All this is get our attention, make us want to buy and spend our money.

However, we can take advantage of all these marketing campaigns and save lots of money. We must adapt this habit of being a smart spender. Why do I say this; it is because marketers also think of ways on how to keep you buying their products over and over again. They want to increase their market share and outwit their competitors. How do they this? Simple, they offer reward programs. Reward programs are designed to make their consumers keep buying their produts. Reward programs vary from free gifts, discount coupons and complimentary by-products.

Remember this simple principle, marketers know that consumers are exposed to a lot of products and one way to grab consumers’ attention is by giving rewards and discounts. Marketers are also aware that consumers are price sensitive and in order to make a consumer buy their product, they have to make their product as attractive as possible by offering consumers products with 'good' price .

If you do your maths right, you can save almost 20% of your expenditure from these promotional tools and reward programs that marketers adopt. A simple rule is to calculate and compare prices and check out discounts in your local newspaper, magazine and the internet! The next time you go shopping, be sure to save some money.

Make money with investments not with banks!

Do you save your money in the bank? When you save money in the bank, do you think that the bank will give you a big profit? Well, the maximum interest that the bank can offer to you is just 5%. However, you will have to consider inflation rates. Inflation is that mysterious force which causes prices to rise. Because of inflation what you can buy for a dollar today will cost more in the future.



Here is an illustration of how a dollar cost today and the next three years with inflation rate of 2%.



year 0 ------ $1



year 1 ------ $0.98



year 2 ------ $0.96



year 3 ------- $0.94



your $1 is worth $0.94 in three years time.


Firstly, if you want to make your money work for you, you cannot depend on saving your money in the bank and trying to win the interest. In financial term, a bank does not serve the purpose of saving money. What it does is that it provides financial services, including issuing money in form of coins, banknotes or debit cards, receiving deposits of money, lending money and processing transactions.

What you can do with banks is to deposit your money. Depositing and saving money has two different meaning altogether. When you have a deposit account, it simply means an account at a banking institution that allows money to be held on behalf of the account holder. When you save money, I’m sure you want to see your money grow. When you have money, you must make your money work for you.



What you should do is this;

1. Deposit money in the bank


2. Invest money which is in the bank when it reaches certain amount eg. $5k ( unit trust, bonds, treasury bills, insurance funds, stocks, shares, business entity)


3. Earn interest from investments

If you want to have a shortcut to your wealth, this is what you must do!

Plan your wealth!

Wealth management is all about planning. Planning is one of the most important tasks to do to generate wealth. You need to plan how much you want to earn, how many income streams and what investments to choose from. Financial planners will give you all the necessary advice, wedding planners will plan the perfect wedding for you and events planner will plan the best event for your guest.

Planning is one of the most difficult jobs too. That is why we have all kinds of planners. Why? The reason is very simple, human beings are lazy! When we get lazy, we will not achieve our financial dreams! Get up and be responsible of your financial dreams.

I will have to agree on the fact that wealth planning can get difficult and complex. The more you research, the more numbers you will see. You will get yourself confused and most of the time frustrated. Well, the best thing to do is to gather a team.

What does the team do? Basically, every team member will have the same goal. Hence, instead of one brain doing the planning, you will get more than one. Remember this fact, every individual has their own innate abilities and everyone in the team can benefit from each other’s strength!

With your team doing the planning together with you, not only you will come up with a plan much faster and better, you will automatically assess risk, returns and most important of all, you can more competent and knowledgeable. However, getting a team will take you some time. You must carefully pick your team members. The last thng you want to have is team members that are lazy, incompetent and skeptical.

Investments guide for beginners!

What can you invest on when you just starting out?

Who to look for when you are ready to invest?

Are you going to invest in stocks and shares?

As a financial planner myself, my best recommendation is to invest in unit trust or insurance funds. The reason is very simple, the risk is very low and this also mean that the returns is not as interesting as stocks and shares. But this does not mean that you cannot maximise the interest.

Investing in unit trust funds and insurance funds is the sure way to make more more money. As this is your fist guide to investments, you can learn a lot of valuable knowledge on investments. Your networking will also will be bigger and for all you know, you will be acquainted with investors that are willing to share their knowledge on investments! That is what i call, killing two birds with one stone!

Firstly, what you must do is to research on the funds that you are going to invest. Every fund will have their history; study the growth of the fund, study what the fund is investing on, who their fund managers and how much the asset worth are.

The most difficult part researching is that there are thousand of funds to choose from. You have to be patient. There are some funds that give you 20% interest! Due diligence is key!

For Singaporeans, you can always contact me and i can provide you with your investments needs! For those living outside Singapore, don't be despair, i will try my level best to help you with your investments!

Systematic way to save more money!

Everybody is stressing the importance of saving money. All of them will tell you the benefits of saving money and you too know very sure why savings are very important. Have you ever thought of how to save more money? Is there a way to help you save as much as possible? Do you find that it is very difficult to save money especially when you don't earn thousands of dollars.

Well, i am here to share with you on how to save money effectively. This method is have been around for many many years but no one have stressed the importance of it. However, the wealthy have been following this method and just look at them; they are getting richer! I believe if we could adopt the wealthy habits, we will also be wealthy in no time.

Firstly, we must aware of any transactions that we make. We must monitor our cash flow closely. List all the expenditures that we have, then categorize them. e.g personal item, mortgage, transport etc. It is important that you list all the expenditures because you really want to know where your money is going.

After listing your expenditures, indicate whether they are your needs or wants. You must justify whether it is a need or want. Finally, what you need to do is to plan your budget in an accounting format. As a guideline, your savings should be at 20% of your total income. Now that you can see how every dollar is spent, I'm sure you will try to modify your budgetting to accomodate your income. By the second and third month, you will know where your strength and weakness finacially.

If you know how every dollar is spent, the next time you get an increment or bonus, you will know how to take care of that extra cash. You will not be spending extra cash impulsively anymore. Why? It's because, human beings can react better when they are able to see. Seeing is believing!

Let me recap on what you have to do the next time you are getting your pay,

1) Save 20% of your income
2) List all expenditures
3)Plan your budgetting
3)Follow the budgetting!!

Wealth account

If you are really serious about making more money and make your money work for you, then you must open up another account. I call this the Wealth account. Having a wealth account is a must because you need to know how much money is coming in and how money is coming out. This account is strictly business!

All transactions pertaining to your business or investments is in this account. If you mix this account with your normal savings account, you will have a difficult time doing book keeping unless if you are a accountant. This wealth account is the account that you will be proud of too! You will be earning more compound interest in this account as the balance will be huge.

Learn how to pay yourself from the wealth account. E.g You've earn $50,000 of profit at the end of the month in your business. Do you want to spend all the money? What do you then? Well, simple. You pay yourself! Reward yourself with $10,000 and let the $40,000 sit in your wealth account. Your savings will also come from the $10,000 and not from the $40,000!

If you can adopt this habits, you will be earning a lot of profit from compound interest. This is just one of the way for you to earn extra money from your money. Lastly, your wealth account is not your savings account! Different account serves different needs!

Manage your cashflow!

The problem with having ATMs' and banks almost every corner in the world is that we can gain access of money as and when we like. You can withdraw any amount of cash on the ATM anytime, all day, all year round 24-7. You can swipe your credit card almost everywhere you go.

When getting access money is very easy and hassle free, we are more prone to spending money on wants rather than needs. We will forget about about savings and our debt will increase. Another enemy that we have right now is buying items on installments and on credit.

People around the world are thinking of many ways to make buying process easy and hassle free. Their marketing plan is to make people buy things impulsively by educating them that installments are friendly and safe. I am not surprise if people were to buy everything on credit and have little no money even in the first day that they get their pay.

This is a little advice for you; get a personal budgeting tool. This is very important because seeing is believing. By tracking your daily purchases, you will be aware of your cash flow and impulsive buys can be reduced tremendously.

Another good news for you!


You will get a budgeting software that includes your monthly budget, daily cash flow, payments reminders and graphs to help you to track your cash flow.


You will be able to save more money and invest more money henceforth with this software.


What you need to do now is to email me your name, email and tell me how you get to know this blog and you will get the software at a very affordable price!

Investments- A poor man's enemy.

The phrase 'the rich are getting richer and the poor are getting poorer' is a common phrase that we hear all the time. Politicians around the world are talking about it and trying to slove it but this problem is seemingly difficult to tackle. Let's just take a second and think really deeply why this problem is so complex. The number one reason for this is that the poor and the rich don't even speak the same language!

If you ask any rich man what are investments? The rich man will tell you that investments are their best 'friend' and you can spend the whole day and night talking about investments. You may be even invited to join them and their friends for dinner to talk about investments. You will learn a lot of tricks and tips about investments. The most important and valueble lesson that you will learn from the rich is that to invest is your best 'friend' for you to generate more wealth.

However, if you were to ask a poor man, the word investments will stir a different reaction altogether. Every poor man in the world will tell you that investment is their 'enemy'. They always relate investments to shares and stocks. They have very negative thoughts on shares and stocks because they believe that stocks and shares will make them a poorer person. They would rather take an extra job or blame others. The one person that they will love to blame is God! They will blame fate, blame God and rather lament that they are not meant to be rich and accept the fact that they are poor and that they can't be rich in their lifetime.

I believe that anyone can have their financial freedom day if they want it. Information on wealth-building is all over the world, be it in every corner of bookstore shelves or, the internet. .I don't believe in luck because i believe that you can control your own destiny!

The rich man's god is better than poor man's god.

Have you been stressed about not making money and had no one else to blame but god?
Maybe it's god's will...maybe god don't want me to be rich because of a good reason....Well my complain will be this,

"I WANT TO PRAY TO THE SAME GOD THAT THE RICH ARE PRAYING!!!!"


I've come acrossed many people that are not making enough money and blamed god for them not being rich. I had heard enough abput people blamimg other people but when there is nobody else to blame, the best 'person' to blame is GOD! Well, blaming god is fun because god listen to your problems but will never talk to you personally. Which means, they wont be mocked at or even criticised for their comments on not making money.

Let me get this clear to all my readers, GOD IS FAIR! You lead your own life! What you should do the next time you praying to god is this;

"Dear god, please make me a richer man! Give me ideas on how to be a richer man! And lastly, please give the strength physically and mentally to make more money!"

Internet, a money making opportunity?

We are living in the world where information is everywhere. We do know that the Internet is the best medium to attain information. Most of the information are free and even if you are going to pay for an information, it will not cost you a bomb. What do you search for when you are surfing? Is it something that is worth your time and money? How do you make use of your monthly Internet bill?

Internet is the place to make money. Lots of money! If you are sick and tired of what you are getting, Internet is the next best thing for you to find opportunity. The Internet eliminates a lot of overhead cost like inventory, labour, cost of operations and many more! Let me and my team of wealth maker guide you along.

I will present you with the best information on wealth management and wealth creation. All you need to do is read my blog. With the information that you have in the blog, you will be able to lower your risk and increase your return. Still not interested about making that extra income?

Do you like to earn money while you are asleep?

While you are sitting surfing the net?

While you are having your holidays?

All you need to do is tell as many people as possible about this blog. This is what i plan to do;

1. get as many people as possible to read my blog
2. get as many people as possible to ask and comment me about their real problems, remember, i am a licensed financial planner!
3. get my readers to start making passive income that they never dream about having!
4. and when you get rich, don't forget the poor and needy. Donate some of your earnings.

Saving is key for financial freedom.

How many times have you tried to have savings? For those who have savings now, what are your savings for? What are savings for really? I've asked a lot of people around me why are they saving money and none of them knew what savings were for.

Savings serve a purpose. If you do not know what you are saving up for, i am very sure you will have difficulty starting good savings habit. Your savings can be divided into these categories;

1. Retirement
2. Child's education/ future
3. Medical
4. Emergencies

The benefits of saving are often hard to value when it all seems so far away in the future. Here is the reality - people with savings have choices. Not having savings often leads to debt spending. Debtors are owned by their creditors, chained to their jobs to obtain money to cover debts. If they fail, they know they face a world of financial pain and money worries

It's all about mindset

We are actually programmed not to be entrepreneurs and business owners. I call this ‘revolutionized slavery’. Here is why, ‘slaves’ are treated better as they will be rewarded and are given freedom on weekends, bonuses at the end of the year, medical benefits and best of all, ‘slaves’ can choose who they want to work for.

This is a vicious cycle that most of us follow subconsciously and we are still following it. The choice is yours; do you want to be stuck in the vicious cycle? Or do you want to change your mindset and create your own destiny?

I am born in a middle income family and the idea of becoming a successful businessman was never inculcate in me. The difference is I have the urge of becoming a successful person. Being successful is not enough; I want to achieve financial abundance. I want to be in control of my life and not blame anyone. Without knowing it, I was already ‘programming’ myself to be successful.

I taught myself not to work for someone else but me. I taught myself to explore opportunities and think of ways to monetize anything that I see. I never wake up and not think of ways to make more money. I was never tired thinking of ways to generate wealth and I look out for successful people around me and study them. I would study their behavior like their attitude towards money. All of them have the same mindset.

Is This You?

Do you wish that u can buy anything?

Do you want to be respected?

Do you think that you don't earn enough?

Do you want to create wealth?

Make money online?

Plan tour financial?


Not to worry! You are not alone. There are millions of people that want luxury!!

Let me tell you a story,

A and B are very good friends. They dream of becoming very rich and respected man. One fine day, a businessman came to their village and offered jobs. The job is to collect as much water from a well and deliver it to the village.

Click Here! Your millions start here!


A and B ventured into the job and start making a decent living. A, however, was determined that he could be deliver more water to the village thus earning him a better income. A, came up with an idea of setting up a sewerage where he can transport the water from the well to the homes effortlessly.

A worked very very hard. B was shocked to learned about this and criticized A. B told A that A was wasting his time and mocked at A as A was spending too much time building up the sewerage to cater to more homes. A told B that he wants to maximise his income and deliver to more homes thus earning him more money.

Questions

1) Who will earn more money?

2) Who do you want to be? A or B? Why?

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Wrong Mindset!

I was browsing a government intranet forum( classified forum) and guess what, i saw the topic that i love; FINANCE AND INVESTMENTS. As i was reading all the threads, i saw a pattern in the discussions. Almost 99% of them were unhappy about their income but were criticizing people who has a bigger income and have savings of SGD200k at the age of 31.

Good thing was that they were thinking about wealth, but their mindset were totally wrong! Instead of sharing on how to create a better income and generate ideas to expand their income, they were busy complaining and blaming their fate.

Is this common? i bet it is. People do not want to be rich, they just wish. They wish that they can be rich, buy all the luxuries in the world and retire early. Some wants to be rich, think of ideas, but stop at implementing the ideas. Some implement their ideas( business ideas), failed and never try to improve.

If you ask me, is they a way to be rich? My answer to you is this, being rich is a vague statement!

1)Convert rich to numbers ( 200k?)

2)Set your target (5 years?)

3)Think of ideas on how to multiply your income streams( Be creative!)

4)Ask around and read books on wealth creation ( People are more willing to share their knowledge)

5)Gather as many information as possible

6)review them

7)Improve them

8)Implement them

9)review

10)improve

These steps are just guidelines. But not to worry, help is on the way, i am developing my own wealth management website. My promise to you readers is, I WILL ENSURE THAT ANYONE WHO HAS VISITED MY WEBSITE WILL BE A MUCH WISER PERSON)

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Indeed there are secrets to be a self- made MILLIONAIRE!

Well… first of all, the question you have to ask yourself is - “Why are you not rich yet?”

What has prevented you from getting the wealth you deserve? Well, these are some of the common answers that are usually given;

1)I was born in a poor family
2)I need to support my family
3)I am too young/old
4)I’m not smart enough
5)I have no opportunities
6)I lack the qualifications
7)I have an unsupportive spouse
8)I have no luck
9)The economy has been down
etc, etc, etc…

Now the trouble with all these answers is that you’re blaming someone or something else for the financial situation you’re in right now and that you’ve been a “victim” of circumstance.

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You see, most people go through life with the victim’s mindset and this prevents them from ever changing their financial situation! When they don’t get the results they want, victims tend to give themselves lots of excuses like ‘I’m just unlucky’, ‘ I have no experience’, ‘I’m too old to earn more’, ‘I’m too young to be rich’, ‘I have no capital’, ‘I was born poor’ or ‘I’m not a creative person’.The reason all these are lousy excuses is because we know that there are many examples of people who have created wealth for themselves, despite all these perceived disadvantages.

Victims also tend to blame everyone except themselves. When you ask victims why they are not rich yet they will say something like, ‘my boss won’t give me a raise’, ‘I don’t get any opportunities’, ‘my big family prevents me from saving money’, ‘the stock market caused me to lose everything’. And instead of finding a way to improve and change, victims spend their time complaining but don’t do anything about it.

The trouble is that when you give yourself excuses, blame others and whine, it means that someone else or something else is controlling your life and your (lack of) wealth. Since you believe that it is not your fault, then you are powerless to change it. If you have a victim’s mindset and hold doggedly onto the belief that external forces are controlling your wealth, then any wealth strategies you learn will be of no use!The moment you acknowledge that you create your own fortune (or lack of it), it means that you have given yourself the power to start becoming rich right now.

And when you discover the strategies of wealth creation, you will find that you can make money at any age, with any background, with little or no money and in any economy!DON’T WAIT ANYMORE!!

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Adam Khoo is a very respected man. His idealogy is comparable to people like Robert Kiyosaki, Napolean Hill and Donald Trump. It is always good to follow a successful people. Think like them. Follow their attitude and you will be as successful as them.At the end of the course, you will be

1)A wealthier man.
2) powerful leader.
3)Respected man.
4)Most importantly, a HAPPIER man!

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All these are only at a whooping $97. These is a very good bargain as the retail price is going at $527! If you ask me, if this the price to pay to be a millionaire is worth your penny? Yes definitely i would say yes!! Calculate how much is it to get a degree in a university? That’s thousands and thousands of dollar. After paying so much for a degree, you still have to apply for a job. Think about it, it is a waste of time. Time is money. Money is life.

Why are we not taught about creating wealth in school?

I have never come across any textbook on wealth creation, money management and wealth management. Have you ever asked yourself why your teachers in school did not teach you on how to make more money?

Instead, they tell you to study hard for the exams, go to a good university and find a job. When they say job, what they really meant was jobs like lawyers, doctors, scientist, teachers and engineers. As soon as we go to school, we are basically ’programmed’ to study hard and get a good job. We already have a typical average Joe or Jane’s mindset and not a millionaire’s mindset.

1.)Go to school

2)Study hard

3)Get a diploma or degree

4)Get a ‘good’ job

Now, let’s imagine what will happen if we are taught on how to create wealth, generate more income and multiply our income streams. I’m am very sure that we will be happier now and not complaining about not making money. Now, my question to you is, can we blame our education system? Hmmm…that’s a tough one.

Give it a thought.

Step 1: MANAGE YOUR MONEY!!!

I have always been having problems with saving up money. I tell myself that i must save some money but at the end of the month, I’ll end up starving myself. Sometimes, i would borrow money from my parents( thank god they give me!), my girlfriend( lucky me huh?) and my friends.


Over the past 3 years, i have been thinking of the many ways to save money. In other words, i’ve been doing a lot of research on money management. When we talk about money, it leads from one thing to another. First will be money management, then wealth management, then asset management, then financial freedom and finally, financial abundance. In the course of 3 years, I’ve also discovered some tricks and tips on money management.


Well, financial education is a lifelong process. And what way to do this, we have discussions on this blog. Now, the first task is to stand in front of the mirror and tell that reflection you see this “ Say hello to the new me!” Expect to communicate with people, look for jobs and investments strategy.


Last but not least, tell your friends and family about this blog. You may not know who is giving out comments but you will see a lot of real life money PROBLEMS!!!!!