What will you do when you are old and sick and without money?

Picture this.

You saw an old man walking around and around the food outlet looking at the tables.

Question: "What is this old man doing?"

Another day. You came back to the same food outlet for a meal and you saw the old man again. He was walking around and around looking at the tables again.

Same question: "What is this old man doing?"

You saw the answer and it pierced your heart.

He was actually walking around and around looking at the tables because he was eating the leftovers by others.

Another day. You came back to the same food outlet and you saw the old man again. This time, he was not walking around and around. He was gobbling a plate of rice given by one of the kind hearted stall owners. The way he ate was as though he had never have a proper meal for a very long time.

Question: "Why this old man ended up in such a state? Didn't he have savings when he is young? What about his family? How come they are not supporting him? Why did he end up in such a pity state?"

Answer: He did not have any financial planning for his retirement. He thought that what he had was sufficient for his old age. But he didn't foresee that something might happen that caused him to spend majority of his savings. And when he reached old age and can't find a job and without sufficient savings, he ended up in such a pity state.

Not many people know how to manage their finances properly. Some don't know how to 'grow' money, they just keep putting their money in their savings, thinking and hoping that it will be sufficient for their old age. Some don't even save at all. They spent all their salary before the month is over.

Because of this lack of education and knowledge, there will be an increase of the number of people who do not have sufficient money for their old age.

If you do not want to suffer when you are old, it is best to start early to do financial planning. Be it if you are in your 20s, 30s, 40s, 50s, and so on, it is never too late to plan your finances. Don't wait till it is too late, when you need the money to solve an urgent matter or you need the money for basic survival.

Therefore. I wrote this specially to recommend one book on financial planning for you. This is an excellent view to teach you about financial planning, how to 'grow' your money.

The title of the book is Secrets of the Millionaire Mind By T. Harv Eker

In this book, you will get to learn: -

• Your Money Blueprint
• 17 Ways Rich People Think and Act Differently from Poor and Middle-Class People
• Action That You Should Do Now

Below are some of the Wealth Principles that you would get to learn from it: -

"If you want to change the fruits, you will have to first change the roots. If you want to change the visible, you must first change the invisible."

"When you are complaining, you become a living, breathing 'crap magnet'."

"The Law of Income: You will be paid in direct proportion to the value you deliver according to the marketplace."

"Leaders earn a heck of a lot more money than followers!"

"The secret to success is not to try to avoid or get rid or shrink from your problems; the secret is to grow yourself so that you are bigger than any problem."

"Rich people believe 'You can have your cake and eat it too'. Middle-class people believe 'Cake is too rich, so I'll only have a little piece'. Poor people don't believe they deserve cake, so they order a doughnut, focus on the hole, and wonder why they have 'nothing'."

There are a lot more you can learn from this book! If you keen in this book, the title is Secrets of the Millionaire Mind By T. Harv Eker. Do check it out! Don't miss it!

If you prefer to read ebooks, below are two ebooks that you can also check it out!

Complete Guide to Making Money

Inside You Will Discover:

- How To Achieve Financial Comfort

- How To Add Fun To Life And Gain Prestige

- Learn about the Law of Attraction and how the quantum world creates your reality

- Discover The Fortune Hidden In Your Salary

- Thousands Have This Priceless Gift Within - But Never Discover It!

- Own A Business Of Your Choice With Ease

- 4 Essential Keys To Be Financially Independent And Resist The Domination Of Others

- How To Fulfill A Financial Fantasy

- How To Make A Fortune Starting From Scratch

- How To Dare To Be Rich

- Startling Facts About Money

- Avoid The Most Expensive Mistake Of Your Life

- How To Work Less, Earn And Relax More

4 Steps to Financial Freedom!

This program is for you if you want to know:

- Sean's valuable lessons about his personal struggle from poor to wealth

- The importance of poor health vs good health

- The the secrets on how to take care of your health so that you can create multiple streams of passive revenue later

- The secrets to accelerate your learning process when your body is ready

Step 2 - An open mindset to start learning and practicing what you have learned.

- How to abandon and change your poor mindset, design and program a winning mindset to slash your debt, live free and become financially free

- Why, how, when, what and where to learn to equip yourself so that you can be financially successful

- How to get started and take actions to slash your debt, live free and become financially smarter to create your wealth

- How to get yourself even more motivated for a more successful life

Step 3 - Investing your time in your financial & he in control of your life to create wealth to enjoy a better life.

- Why we don't have enough and the right financial education to create wealth

- How to plan, design and execute an accelerated financial learning and wealth creation process

- Why your health education supports your wealth creation success

- How to enjoy a better life with your wealth

Step 4 - Enjoy the wealth that you have created because you have been taking care of your health.

- How to continue to create your wealth and enjoy it when you are young and healthy

- Why you create the wealth to enjoy and to give

- How and why you want to help others succeed when you have succeeded

Enjoy your reading and you are on your first step to your finanical freedom! Cheers!

5 C's = Singapore Dream?

Everyone in Singapore is very familiar with this term - 5 C's. Many people keep pursuing it, some people keep searching for a life partner who owns it and some people keep dreaming about owning it. So what does this 5 C's stand for? It's none other than Cash, Car, Condominium, Country club membership and Credit Card. All these 5 C's represent one thing - status and success.

There was this movie -- "Singapore Dreaming" and it talks about these 5 C's. In this movie, it also added one more C's and that is Coffin. It presents another interesting point of view to us.

We, living in Singapore, keep working very hard to pursue all these material wealth, but we actually sacrifice a lot of things during this process of pursuing and at the end of the day, if we really did achieve these material wealth, are we REALLY HAPPY? Or are we still missing out something in our life? Maybe these things that we miss out in our life are actually the ones that we really value, but because we are blinded by the importance of all these material wealth, we failed to see the true value of life and there are other aspects of life which are equally important as well, besides wealth.

So I decided to come up with my own version of the 5 C's + 1 C's = 6 C's and I hope that this will benefit you and broaden your mindset too.

"Choice + Challenge + Change + Conviction + Consistent = Consequences"

First, you have the CHOICE to decide what you want to achieve in your life. Everybody has their own definition of success. Some define success as in climbing the corporate ladder, some define it as having a loving family, some define it as helping those in need, etc. So you must ask yourself, "What do I want to achieve in my life?" "What is the most important thing in my life that I must have, in order to have a fulfilling life?"

Then, you must set a CHALLENGING goal for yourself. If you define success as in climbing the corporate ladder, then you can set a challenging goal, such as, "I want to be a manager in a year's time, I want to be a senior manager in two year's time, I want to be the general manager in three year's time, etc." Always set a goal with a given timeframe. The goal must be not so easy to achieve and also not too difficult to achieve so that you will work hard to achieve the goal and not give up half way too as the goal is realistic and achievable. The purpose of having a timeframe is to discipline yourself and not keep pushing it till the next day as all of us have the habit of delaying doing the tasks on hand.

After you set the challenging goal, then you must CHANGE. You must change the lifestyle you are having. You must plan your time very carefully and be detail-oriented so that you would not waste any time and you will make full use of your time to pursue your goal. Always change for the better and always keep changing your strategy if it failed and keep pursuing your goal.

Next, you must have the CONVICTION, the willpower to believe that you will succeed and you must succeed. Nobody can help you to achieve except yourself. Therefore, you must have the conviction that You Can DO It without fail!!! If you don't believe in yourself, then nobody will believe in you too and nobody will assist you in moving you toward your goal.

Next, you must CONSISTENTLY and continuously keep working toward your goal. It is all these small steps that you are doing everyday that help you achieve your ultimate goal. This applied to our education too. We spent about 10 years to get the basic foundation right. Without these 10 years of basic education, we will not know our language, mathematics, science, geography, history and others well. It is impossible for us to master everything within a year and this applies to our journey towards our goal too.

Finally, you will see the CONSEQUENCES of all these effort that you put in. The results that you have been hoping for and always working hard for.

With the achievement of this goal that you set for yourself, it is time for you to set another challenging goal for yourself and repeat the whole process. What makes life so interesting and fulfilling is because of all these goals that we set for ourselves.

So what are you waiting for?

Quick go and decide on your goal and make your choice today!!!

"It is not the destination that matters most. What matters most is the journey that we experience during the pursue of the goal. And this is what makes our life so colorful."


"Always REMEMBER, "Don't Give Up!!!"