Thursday, December 5, 2013

These Smart Ringgit-Saving Tips Can Help You Extend and Grow Your Money

I’m always approached for advice on how I manage my money so well. I say that hearing endless stories about people being stuck in debt, such as a neighbor who lost his house because of loans he couldn’t pay, a gambling fiend who struck it lucky once before going on a losing streak that had him forever indebted to friends, and other stories about financial woes that lead people to depression and declining health has pushed me to be wise with my finances at an early age.

Thursday, November 28, 2013

Myth of Credit Card Cash Rebate

I have been holding cash rebate credit card since 2008.  If you follow my blog closely, you should understand that I treat credit card as cash and cash rebate as a discount.  I believe it is essential for us to do so especially in the regime of high living cost we are experiencing now.

Thursday, November 21, 2013

Investment Fund Allocation

For those who have basic understanding on financial planning should understand the importance of fund allocation.  Techinically speaking, fund allocation should be make according to your risk profile.  If you are a conservative investor, you might prefer to opt for more investment on bond-like investment as too much stock-like investment will create uneasy feeling.  Of course, for an agreesive investor, the scenario will be the other way round.

Thursday, November 14, 2013

Are You Making Your Investment Decision Based On Opinions or Facts?

Every now and then, whenever there is an interview with an “expert” on stock investment, people likes to seek for his recommendation. The “expert” will then give his suggestion according to his understanding of macro and micro environment and provide his buy or sell advice accordingly.

I must admit that these “experts” are doing a great job on providing their views according to certain logic. However, what worrying me the most is that most people will tend to accept the advice or tips unconditionally without any validation which might lead to a disastrous ending.

Thursday, October 24, 2013

A Quick Check on Knowing whether You are on the Way to Get Out of the Rat Race

Do you feel tired on working for others?  Are you having a job that you are not interested in but forced to do so?  Are you thinking of firing your boss but not sure whether you are ready or not?  So, you are thinking of no working while money is still coming, aren't you?

Thursday, October 17, 2013

Book Review: Taming the Money Sharks by Philip Cheng

This book, Taming the Money Sharks: 8 Super-Easy Stock Investment Maxims, Philip emphasizes on the essential of evaluating a company's fundamental before putting in our hard-earned money.  He introduces a total of 5 ratios and these ratios are mainly on evaluating a company's earning power, credit position as well as cash flow to meet its obligations.

Thursday, October 10, 2013

How Money Changes Our Life?

Since I achieved my FREEDOM two years ago, my life has never been so easy before.  Ya, I am still working full-time with an aim to continue to have contribution to my country rather than for money to meet my daily obligations or sit at home and do nothing.  Meanwhile, I also able to allocate more time for my family, my hobbies and my favorate works during my free time.  One of my hobbies is reading and it has been years for me on no reading books about financial planning as I already have one (which was designed by myself) and achieved it.  When I browsed through MPH online bookstore last month and came to know a book by Azizi Ali which is entitled "Money Changes Everything - Get Rich, Live Rich, Die Rich".  I recall the first book that encouraged me to kick-off my route to Financial Freedom was Azizi's "Millionaires are from Different Planet".  Of course, the journey was not easy but I faithfully achieved it finally and I share all my experience in my book, "FREEDOM".  Without second thought, I ordered a copy of "Money Changes Everything" to observe if there is anything else I could further enhance from what I have been doing.

Thursday, October 3, 2013

Invest Bursa Course is Reopened

Since the inception of my Invest Bursa Course, my students have been benefiting from my stock investment methodology.  As a matter of fact, beside investment timing, correct mindset plays a key role on successful stock investment.

Let me give you an example.  During the course, one of my students analyzes a well-known healthy drink maker in Malaysia.  Yes, the company does has a very famous drink that even a 3-year-old kid can ask for one when he feels thirsty.  However, what happen is that, due to high operating cost, its net profit margin is rather less promising.  Therefore, this company is filtered out by my STARS Evaluation System.  My students reluctant to accept this fact initially and doubt about the effectiveness of my system.  As a matter of fact, my system is helping us to seek for potential winners.  These winners should be characterized with growing sales and profit trend with good profit margin in order to balance the risk we are facing.  It is just illogical to invest in a so-called famous company with the return just slightly better than FD.  In other words, my STARS Evaluation System is helping everyone to look for the truth but not what the market is saying.  After some mindset fine tuning, my students appreciate how my philosophy on identifying quality counters.

So, after the identification of the right counters, I also show my students on how to earn big by identifying the right investment timing.  I am not a speculator and I don't sit in front of monitor all day long.  Instead, I spend most of my time on reading, teaching and get around with family.  The most I use is 10 minutes a day to monitor my investment is only and I normally do it before I go to bed.  Yes, I use the most 10 minutes a day to make my investment decision.  Wondering how?  I will show you in my Course.

My students are now more confident on stock investment and have no worry over market fluctuation.  My system has been able to help them to identify high yield counters and telling them when to enter and when to dispose strategically.   To me, my system has been giving me a average return between 15% and 20% a year and I would like to show you how.

The next enrollment of my Invest Bursa Course is now opened for registration.  You may visit for more information.  Due to overwhelming demand, I have to close the enrollment by 7th October 2013.  Based on my past experience, I have to limit the number of students as I would like to give you my best to ensure your stock investment success.  Catch this invaluable learning opportunity and I hope to see you in my Course soon.

Thursday, September 26, 2013

Huh? What is offshore investment?

Recently, I read a book by a local author that encourages people to put their funds offshore.  The author particularly emphasize that by investing solely onshore is risky.  He even spells out evidence on what sort of disastrous that the local policy will lead us to.  On this basis, he strongly suggests us to diversify our risks via offshore investment.

Thursday, September 19, 2013

Beware of Money Traps

Do you face scenario like this.  You have your financial targets but have no idea on how to achieve them.  Therefore, you try to seek for clues to get "high" return.  Unfortunately, if you are unsure what you are doing, the chance of falling into traps are high.  Hence, when come to investment, you have to beware of traps around you.

Thursday, September 12, 2013

How To Earn 12-Month Fixed Deposit Rate Every Month?

You may have your idle fund and earns almost nothing in your savings account.  You also know that inflation will eat up your purchasing power if you continue to put your hard-earned money in savings account.  Furthermore, you know that fixed deposit is giving more attractive return than savings account but still unwilling to lock it with longer maturity period in order to meet any emergency requirement.  What could you do then?

Saturday, September 7, 2013

Attitudes You Should Have When Come To Stock Investment

I keep receiving questions asking me for the right counters to invest and to forecast market movement.  Well, I am just a normal person like everyone of you.  Therefore, I do not know where will the market move and I don't bother to forecast it.  Everyone has their own preferences.  What I like might be are those you hate most.  Therefore, I can't tell them which counters to invest neither.  Furthermore, I really don't bother to answer these speculative questions as I don't speculate at all.

Sunday, September 1, 2013

Do You Need Help?

The keyword of this blog is "DIY".  Yes, years of experience is telling me that the only person I could trust when come to money management and investment is myself.  My logic is very simple: No one in this world knows me better than myself.  This is my philosophy and what I have been emphasizing in my books and stock investment course.

Saturday, August 24, 2013

Survivor Game in Stock Market

I just completed my reading of this little book, Wall Street: The Other Las Vegas by Nicolas Darvas (the author of How I Made $2,000,000 In The Stock Market).  It is an very interesting book and the author shares his experience on becoming a gambler in the stock market.  He knew nothing about stock investment when he first stepped into the stock market but he builds his "gambling" system to win throughout the process.  In particular, he gives instruction to his broker to place buy and sell order at his target price according to his "gambling" system.

Sunday, August 4, 2013

Is Market Timing Working???

I am not a fan of market timing.  To me, market timing is for speculators and I really don't bother to be a speculator I just don't want to sit in front of computer and stare at the computer monitor at all time.  But just for my knowledge on how speculators are doing on market timing, I picked up this book.

Thursday, July 18, 2013

Upcoming Webinar: Powerful Tricks on Successful Stock Investment

Since the inception of my online stock investment course, Inve$t Bursa, early this year, the respond has been overwhelming.  Early this month, the course had been opened up for the new enrollment while I regret to realize that some people had missed the opportunity.
This Saturday morning, 20th July 2013, I am going to conduct a live training session to share some powerful tricks on stock investment that I have been practicing.  Normally, similar sessions are opened for members only.  But for this time, the good news is that I have decided to open up this live event for non-member as well, with a minimum fee.  It will be a very informative live session and we will be able to interact with each other at Q&A session.  See you there.
Get more details here:
Happy learning!

Friday, July 12, 2013

Return on REITs Investment

When anwsering the questions raised by one of my readers, I realize that there was an error printing on Table 11-1 of my book, Freedom.  Taking this opportunity, I would like to thank for all the feedback from my fellow readers.  You feedback will indeed allow me to give your better in the future.

Instead of doing the correction over the table in my book, I would like to share with you the latest return of my REITs investment.

Sunday, July 7, 2013

Don't Miss the Chance Again

Yep, that is my goal. 

My friend who is an full time independent adviser shares with me that some people tells him either say they don't have money to invest or don't have the time to learn about investing now.

Then he says, "Okay, so when? Can you set a timeline, not for me - but for yourself?"


That is what I call procrastination.

There is a thin line distinguishing excuses and reasons, don't you think?

I have a few members in the program who are doctors in private practice. One of them is running his clinic in Kajang, Selangor. Aged 45, he works 12 hours/day, his clinic is full to the brim. Yet he is one of the very determined learner in the program. Maybe at that age, you realize time is of the essence. Every moment we procrastinate is a moment lost forever.

I want to motivate you to take action. Not just any action, but the Right Action.

Especially when it comes to investing. 

Besides time itself, the stock market waits for no man. Now may not be the time to be invested fully, but when market dips, we know how to make use of that small window of opportunity to invest prudently..

....if we got our "war chest" and knowledge ready starting today, that is.

The other thing is it pain us greatly to see people lose money in the market. People who knows so little but are IN the market just because everyone is. I learnt the hard way. I don't want you to have this kind of "follow the crowd" mindset. 

That's why the very first module is about the correct mindset and how not to lose money.

The next 2 months you could be discovering stuff you never thought existed when it comes to investing in Bursa Malaysia

Thursday, July 4, 2013

Go, Go, Gold

News on softening gold prices and people are rushing for gold can be found in any newspaper in recent months.  A number of my readers are also asking me whether it is a right time for gold. 

Saturday, June 29, 2013

You - The Best Investment Advisor Ever

Many of my friends and students are asking for my opinion on investment in unit trust and advise on which unit trust can be invested in.  Instead of telling them my answer, I first ask them how much do they know about unit trust investment.  The result, almost most of them are unsure about how unit trust is operated.  For those of you who are still unsure what is unit trust, you may refer to Chapter of my second English title: FREEDOM.

Monday, April 22, 2013

April 2013 InvestBursa Course Enrollment is Now On

Taking this opportunity, I would like to express my sincere appreciation to all my readers and students for all these years.  I have been using my stock investment methothology and they are working well for me for at least past two market downturn.  It does not matter whether the market is up or down, I am still able to earn a decent return.  That is the reason why I share my experience in my book, "Infinite Wealth", in order to let the public benefit from my stock investment processes.

I have been receiving tremendous request on providing stock investment coaching and successful of the launching and completion of the first batch Invest Bursa course with happy learners is very encouraging.  Therefore, after a long wait, the new April 2013 enrollment of my online Invest Bursa course is finally started.  Don't miss the chance to learn with me for effective using of my two simple processes on your stock investment successfulness.

Unlike any other stock investment course, you:

  1. do not need to take a paid leave to attend 
  2. do not attend the course together with the crowd
  3. could learn it at your confort home
  4. could learn it at your own pace within the learning period
  5. will receive personal coaching on stock investment
  6. will get personal attention on your learning progress
  7. post your inquiry directly to me or ask me during the live online Q&A session
In order to achieve my objective on giving personal approach on teaching you my stock investment processes, we could only accept limited number of students.  Therefore, the enrollment is only opened for a week and the seats are on first come first serve basis and running out fast.  Don't miss the chance.  Complete your enrollment now at  Of course, you will enjoy 30-day money back guarantee should you find this course does not suit your need.

Time is running out.  Wait no more and visit to reserve your seat now.

See you in my InvestBursa course.

Saturday, February 2, 2013

First of all, I would like to take this opportunity to thank you for your years of support.  Since my first book was launched in 2010, I have been receiving tremendous number of positive feedback from you all.  Your satisfaction is indeed my power to move on.

Thursday, January 10, 2013

Exclusive Interview by Mr. CF Lieu

This is a link of my exclusive interview by Mr. CF Lieu on my new book, "FREEDOM".  I do hope this interview will be able to provide you so more clues on achieving your financial objectives.  This is Part 1 of the interview.  I shall provide the link on Part 2 once it is available.

Saturday, January 5, 2013

2013 Resolutions

Happy new year to all my readers.

2012 has finally over.  Have you reviewed what have you done as well as your financial achievement in 2012?