Hungry For Pizza!

NST Article 5


Set Goals To Live Your Dream

Everyone has a dream inside them. Lets find out how you can set SMART goals to make your dream materialize!

NST Article 4

Live Your Dream!

As parents, we should encourage our child to treasure their dream. We believe that every child is unique and they have a special gift in them. In the recent Money Smart Camp we organized, a few of my students shared they have never think of their dreams before except working hard for exam. I was very impressed by their Vision Board the next day. In fact, they have found their dreams and draw goals to work towards it. Hence, never too late to look for your dream!

NST Article 3

How To Build Up Your Child’s Investment Portfolio

On 23 May 2013, I was invited to BFM Business Radio Station 89.9 to share with the listener how to build up your child’s investment portfolio. You may download the podcast below. Topic highlights are:

  1. What are the rules you can educate your child before they go into any investment?
  2. How much is the investment aspect to be left to the child and how much involvement by the parents?
  3. How important it is to teach a child if they making a lost?


Salt for shoes?

Have you ask your kids before – what is money? Where its origin? Maybe you can share with them to clear their doubts…

Why People Face Money Woes

Dear Readers, I am honored to be invited by New Straits Times to contribute financial literacy article on a weekly basis. The article will be appearing on every Thursday in NIeXTER section. Let me share with you the first article published on 9 May 2013 – Why People Face Money Woes. Hope you enjoy it and share it out with your friends and family members.

Do subscribe to this FREE newsletter, and drop me an email if you have anything to share.Why People Face Money Woes

Needs vs Wants

UTAR Talk2 weeks ago, I was invited for a breakfast talk at Universiti Tunku Abdul Rahman, Petaling Jaya to share with the public and students to cultivate the good financial habits. Some parents shared with me that they were deeply concerned with their child spending habits. The younger generation are spending beyond what they could afford (or spend beyond their means).

You may be wondering why young people falls into excessive spending habit? The common reason is because many young people were brought up from a well to-do family, and they were not taught to differentiate between Needs and Wants. Needs is something that you can not live without, else you will die. Wants is a wish list. For instance, to fulfill our desire with good food, we can have a decent meal in a Kopitiam/Hawker Centre. However, some people choose to have it in a high end restaurant. Instantly the food bill goes up few folds. You may not know that – you are helping the owner to pay for the restaurant’s rental and renovation cost.

In this new information age, we must admit that we could not live without a mobile phone. Otherwise, we will feel handicap the whole day until we have the phone back on our hand.  Thanks to the seductive advertisement on Internet and media TV, everyone started to debate whether to get the new iPhone 5 or the new Samsung Galaxy 4. You could be very tempted to get a new smart phone and get rick of you current one which is still in very good condition. Before you do that, have you ever ask yourself whether do you really in need to change a new phone? Do you need a much faster processor and access to many apps, or you just want to look cool in front of people?!! How you want to live your life is entirely on your own, you can choose to live an extravagant lifestyle now, but an empty shell when you are old; or you can choose to live modestly and accumulate enough wealth to enjoy your life when you retire.

A friend of mine is a young and successful businessman. He used a 2G mobile phone. He shared with me that he loved his phone because the phone’s battery life can last much longer and the phone can do SMS. He always tell his kids to spend money on something that will appreciate in value and not something that will depreciate in value.  What differentiate between the rich and the poor one is because the rich understand delay gratification. So, start scrutinize your spending habits and spend wisely.

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