Design financial freedom road map – Know yourself (Part 1)


Financial freedom is one of the popular dreams in the world. Once you achieved it, you are free from the “money cage”. You can quit your job! No matter how difficult it seems to be, we shall try to achieve it. Even if you failed, you still well ahead to many people who not knowing anything about money and just let their life ruined by unexpected events and unknown actions. 

The secret formula of wealth by Einstein - Rule of 72


One of the greatest invention of Einstein I would say is the rule of 72. It is a formula of wealth. Let me show how why learning investment skills are the utmost important thing in life. I will show you why investment skills and Einstein's formula can make you rich!

Albert Einstein: “If people understood the Rule of 72, they would never put their money in banks!”

Earn money via online fixed deposit from Maybank


Just discover that the Maybank Malaysia offers eFixed Deposit account. This type of account is very attractive which will help us to manage our money to earn interest. For example, RM 5,000 can help us to earn RM 150 per year. It seems little money but if you have RM 15,000, the amount is RM450 per year . Not a bad investment.

Life goes on, whether you do something or do nothing.


Today is the last day of 2011. Time is flying fast! It is about to be 2012.

Just not long ago I came back from Sweden and couldn't get used to hot weather in Malaysia, now I have been in Malaysia/ Singapore for about half year. Things weren't going my way. Some unexpected negative events gave a hit in life and thrown me into bad condition and made me felt hopeless in future, in short-term.


MBA Programme - Carrot and stick?

Not too long ago my co-author in thesis submitted the final version of thesis. It means I have almost completed my MBA programme. I am convinced that I would get good grade in this thesis.




Looking back my time spent on the studying the MBA programme, I think it is worthwhile. I admitted that I lost something e.g. having fun with friends in Sweden etc.. However, I never regret it. Life is a matter of choices. You only can choose what is more important and have to sacrifice something at certain point of time. MBA programme helps me to gain knowledge in business administration. More importantly, I now understand how the management team uses tactics, skills and systems to influence employees. Employees who think they are outstanding, never know that actually they are "guided" by management teams. It just look like a driver (i.e. the management team) ties carrot to a stick to dangle the donkey - to induce the donkey to move to desirable direction. The donkey is not limited to the "employees", it can extended to the "consumers". The difference is that in general "employees" (i.e. donkey) have  to obeyed the driver since they are getting money (i.e. carrot) from the "employer" (i.e. driver). On the other hand, "consumers" are a smarter donkey that would negotiate with AND/OR choosing the prefered products (i.e. carrot) from companies (i.e. driver). Otherwise, it doesn't work!

Free Lunch from European Universities - ZERO Tuition Fee


Just lately, many of my friends asked me about the process to apply the Master’s programme in Europe. They were surprised when I told them that I don’t have to pay tuition fee for the study. In other words, I only need to pay the subsistence fee. As you may know, the tuition fee is considered as fixed cost. It implies that you have to pay it even though you haven’t got enough money for “EATING”. This tuition fee is the major part of the expenses for oversea study. Since many people asked for more information about where can we all study without paying the expensive tuition fee. I decided to write some information down.