Friday, December 15, 2017

幸福企业,未来企业的新趋势和模范企业-Happy Company, a Future Trend and Model Company

这是归零后,从新开始新的题目和挑战,全力协助公司打造公司新文化-幸福企业 (It time to start from zero with new topic and challenge by helping company on building a new, sustainable and strong company culture-happy company) 

 ☆未来企业的趋势和模范?什么幸福企业? 幸福企业的价值,经营,传承,延续和个案探讨。 
 ☆Future Trend & Model Company? What is Happy Company? Happy Company's Value, 
Management, Continue & Case Study 

日期:13 Jan 2018 
地点:槟城Fin Freedom Office, Bayan Baru 
时间:2点至3点半 
人数:只限20人 
交流会媒介语:中文 
对象:企业老板,公司管理层等等 

即刻报名 
Contact Person(s) 
Training 04-6443466/6443467 training@financialfreedom.com.my

 

Wednesday, December 13, 2017

Personal Wealth Management-"Creation/Accumulation->"Protection"->"Perservation"->"Distribution"

For those who looking forward to learn personal wealth management in Ipoh. This class is confirmed. The Personal Wealth Management started from "Wealth Creation/Accumulation->Wealth Protection and Risk Management->Wealth Preservation and Finally Wealth Distribution". In this class my focus will be on Personal Wealth Protection on 3 major insurance coverage-Personal, Asset and Liability. Let me know if you interest to join and learn

Date: 23 Dec 2017 (Sat)
Time 9am-6pm
Venue: Tower Regency Hotel, Ipoh

Online Registration
https://lnkd.in/fKKx7rv

Contact Person(s)
Training
04-6443466/6443467
training@financialfreedom.com.my
www.financialfreedom.com.my

#CPE #HRDF #CPD #wealth #personalwealthmanagement #balance #wealthplanning #financialplanning #accumulatewealth #protectwealth #perservewealth #distributewealth
#moneymastermy #finfreedom #learning #workshop



Saturday, December 09, 2017

Transform your financial stress to Financial Wellness with Superior Financial Planning Skills


This is my key training class that a lot people looking for, is about Financial Stress Management. Mastering the financial planning skills is proved can reduce the stress come from money by 50%.  Let me know if you are interest




Date: 20 Dec 2017
Time 9am-6pm
Venue: KL Sentral SSM Office, KL

Note:
1) HRDF Claimable under SBL Scheme
2) CPE / CPD point entitlement
    a)      SIDC CPE – 10 points
    b)      FIMM CPD – 8 points
    c)         MFPC CPD - 8 points (only if you are MFPC member)

Contact Person(s)
Training
04-6443466/6443467
training@financialfreedom.com.my
www.financialfreedom.com.my

Online Registration
https://goo.gl/forms/Xket9dvyTiIK92Un1

#CPE #HRDF #CPD #FIMM #MFPC #financialplanning #wealthplanning #SIDC #stress #financialstress #balance #stressmanagement #financialplanning
#moneymastermy #finfreedom #learning #workshop #money #personalfinance

Thursday, November 30, 2017

Redefine your retirement definition, quantify your retirement numbers & optimize your strategies

Let redefine your own retirement definition, quantify your own retirement number (Need, Resource and Gaps) and optimize your retirement strategies as whole by attending the workshop coached by me on 11 Dec 17 (Mon) at Penang. 


Highlights
1. Redefine Retirement
2. Provide DIY retirement tool
3. Optimize current Nest egg
4. Real life stories & case study
5. Interactive learning in comfortable environment

Objective
1. Allow the participants especially matured adult to plan well for their retirement, have a peace of mind to maintain work life balance and stay focus on job.
2. Allow the participants to master winning strategies to optimize their nest egg to achieve their retirement.

Who Should Attend
a) Directors, Business Owners, Entrepreneurs, Managers, Team Leaders, Decision Makers who are committed to lead their team toward financial wellness and successful in career and life.
b) Financial Professionals who look for upholding their skills, professionalism and knowledge in order to serve their clients better.

Learning Outcome
1. Participants should be able to better manage of client’s finance and retirement life.
2. Participants should be able to help their client take control of their own life, family and money.
3. Participants should be able to guide their clients to live life to the fullest and in the same time giving and helping those needed.

Course Outlines
1. Define your retirement
2. What kind of retirement life you want
3. How much nest egg you have to fund your retirement?
4. What are strategies to optimize your nest egg?
5. Preparation to retirement
6. Summary

Note:
1) HRDF Claimable under SBL Scheme
2) CPE / CPD point entitlement
    a)      SIDC CPE – 10 points
    b)      FIMM CPD – 8 points
    c)         MFPC CPD - 8 points        

Online Registration
https://goo.gl/forms/Xket9dvyTiIK92Un

Contact Person(s)
Training
04-6443466/6443467
training@financialfreedom.com.my
www.financialfreedom.com.my

Monday, November 13, 2017

Financial Stress-Restructuring Tight or Negative Cash Flow @ Smart Imvestor Oct 17


I am sharing How to "Restructuring Tight or Negative Cash Flow" in Smart Investor Oct 17 on title  "Financial Stress Tight or Negative Cash Flow". Please share with me your suggest if you have any good idea so that i can learn more

#CPE #HRDF #CPD #FIMM #MFPC #financialplanning #wealthplanning #SIDC #stress #financialstress #balance #stressmanagement #financialplanning
#moneymastermy #finfreedom #learning #workshop #money #personalfinance







Tuesday, November 07, 2017

海外ETF火红,大马ETF 4招打破闷局-资汇October 17

有人问巴菲特,如果您不在了,您会如何建议家人投资,他说,我会建议他/她投资在低服务费和年费的交易所指数基金-Exchange Traded Fund(ETF)。这次,资汇(10月30号)就针对证券局要开放更多销售管道来推销ETF。我有分享一些我的看法,多多指教。谢谢雪桦的电话访谈。




#ETF #BursaMalaysia #ExchangeTradedFund #Investment #SC #Securities #Invest #moneynlife #finfreedom #thebusyweekly #financialplanning #YongChuEu
#投资 #资汇 #证券局 #交易所指数基金 #理财 #财福人生 #理财规划 #杨子佑硕士

Tuesday, October 31, 2017

"Financial Stress Tight or Negative Cash Flow"-Smart Investor Sept 17

I am sharing "How to practice good financial planning skill to overcome money-related problem" in Smart Investor Sept 17 on title  "Financial Stress Tight or Negative Cash Flow".   Please share with me your way if you came across before

#CPE #HRDF #CPD #FIMM #MFPC #financialplanning #wealthplanning #SIDC #stress #financialstress #balance #stressmanagement #financialplanning
#moneymastermy #finfreedom #learning #workshop #money #personalfinance

Monday, October 30, 2017

Personal Wealth Management and You!

This is my 6th new financial master class topic on "Personal Wealth Management and You" that i prepared for nearly one month which was successfully run in Penang on Oct and now it finally come to KL on 17 Nov-Friday. The Personal Wealth Management started from "Wealth Creation/Accumulation->Wealth Protection and Risk Management->Wealth Preservation and Finally Wealth Distribution". In this class my focus will be on Personal Wealth Protection on 3 major insurance coverage-Personal, Asset and Liability. Let me know if you interest to join and learn






Highlights:
1) Employ best-suited wealth management tools
2) Real life stories & case study
3) Interactive learning in comfortable environment
Objectives:
Upon completion of this course, participants will be able to:
1. Discuss what is the personal wealth management and its process.
2. Discuss how to accumulate, protect, preserve and finally distribute the wealth.
3. Employ the best-suited wealth management tool based on personal life cycle, financial goals and needs.

Outcomes:
1. Well manage the clients’ finance and wealth.
2. Archive the balance between money, family, and life.   
3. Guide the clients to live life to the fullest and at the same time giving and helping those needed.

Content
1. What is personal wealth management?
2. Wealth Creation and Accumulation
3. Wealth Protection & Risk Management
4. Wealth Preservation
5. Wealth Distribution
6. Summary

Who Should Attend
a) Directors, Business Owners, Entrepreneurs, Managers, Team Leaders, Decision Makers who are committed to lead their team toward financial wellness and successful in career and life.
b) Financial Professionals who look for upholding their skills, professionalism and knowledge in order to serve their clients better.

Note:
1)      HRDF Claimable under SBL Scheme
2)      CPE / CPD point entitlement
    a)      SIDC CPE – 10 points
    b)      FIMM CPD – 8 points
    c)      MFPC CPD – 8 hours

Online Registration
https://lnkd.in/fKKx7rv
Contact Person(s)
Training
04-6443466/6443467
training@financialfreedom.com.my
www.financialfreedom.com.my
--

#CPE #HRDF #CPD #wealth #personalwealthmanagement #balance #wealthplanning #financialplanning #accumulatewealth #protectwealth #perservewealth #distributewealth
#moneymastermy #finfreedom #learning #workshop

Thursday, October 19, 2017

What a simple yet practical financial plan can offer?

I will be sharing "A Simple Yet Practical Financial Plan Tool" on 4 Nov at Fin Freedom Training Lounge (Penang).  For those who are looking grab the practical tool, useful knowledge of financial plan on setting financial goals-Education, Net Worth, Debt Free and Retirement in the same time entitle  10 points of SIDC CPE and 8 CPD Hours of  FIMM CPD. The participants can claim 8 CPD Hours from MFPC individually and this class is claimable over HRDF Fund. 



Online Registration
https://goo.gl/forms/Xket9dvyTiIK92Un1

#financialplan #moneymastermy #finfreedom #money #education #debt #financialplanning #financefreedom #CPE #SIDC #CPD #HRDF #NetWorth #wealthmanagement #goalsetting #financialgoal #FIMM #wealth

Friday, September 29, 2017

Can you afford another child?-30 Sept-6 Oct Focus Malaysia Magazine



Can you afford another child? Look for my commentory on 30 Sept-6 Oct Focus Malaysia Magazine to know more... Thanks to Siew May.

#Child #FocusMalaysia #RaiseAKid #ChildEducation #financialplanning #moneynlife #YongChuEu #finance

Monday, September 25, 2017

2013年蛇年马来西亚投资理财

这世界上没有免费的午餐,更没有完美的投资,无论是哪种投资工具,再安全都有其潜在风险,需要我们努力耕耘才可收成,尤其是在政治环境难以预测的2013年,投资更加考验我们的眼光、运气及勇气。

今年有哪些投资工具最具增值潜能、最高风险、最被推荐和最稳定,且由专业理财师为你点评分析,透视2013年的产业、基金、定存、股票、黄金、债券及外汇走势,让你的投资也能在蛇年行大运,财源广进!

马来西亚产业
产业是最稳定及安全的投资,价格波动不大,是最为普遍的投资工具,投资者可通过转卖或出租产业,在中短期内赚取稳定回酬。不过投资门槛最高、交易金额大,一般人将难以负担,比较适合资金充沛、保守型的人投资。

马来西亚股票
大选影响马来西亚股市表现
从理财的角度,它是投资而不是投机的工具,大多数人知道股票,但不一定了解它的特性,获利虽快但风险也相对提升,走势较难以掌控,回酬不稳定。市场上因“炒股"瞬间致富或债台高筑的人比比皆是,然而这不是投资理财的最终目的,股票虽然是激进的市场,但可以采取稳健投资方式增加财富。

理财师点评:
石海潮认为,去年负面影响全球经济的利空因素,如欧债危机、美财政悬崖问题大致上已释出,若无重大动荡事故或战事发生,他看好2013年全球股市正面成长,促使更多人投资股票。至于我国大选形成的波动,他预计将短期影响马股表现,长期而言,大马经济依然紧贴全球走势,大选之后马股料可恢复正常水平。

看好电讯科技股
至于“心水"股,他个人看好电讯及科技股,表示去年杪大马通讯与多媒体委员会(MCMC)刚发放4G频谱,今年各家电讯营运商料相争推出4G产品或配套,盈利提升料增加投资魅力。
 
基金
政局波动
可买低卖高

基金是一种间接分散风险的投资工具,基金经理人集合投资者资金,通过各领域股票调整组合投资,以平衡市场波动所形成的亏损和获益,降低投资风险,获利也较股票稳定,但需长时间耐心观察和跟进,虽然具增值潜能,但较难以从中赚取快钱。

基金有不同的主题,如股票型、原产品、货币、债券或其他混合投资工具,至于该购买哪一类型的基金,全看个人可承担的风险和回酬需求。
理财师点评:
李文畅建议有意购买基金的投资者,应及时了解各国股市进展,不过他认为大马基金定期买入就好,因今年为大选年,大选后将会有大波动局面,政治风险较大,可采取买低卖高策略。
“若马股在9月前深跌20%,可乘低买入,若维持1千600点,则定期定额投资,建议选一些非官联组成的基金组合,趁低买入。"

建议减持原产品基金
对于海外基金,他表示可留意触底多时的股市,如投资美股的基金,因目前美股已触底多时,且长时间徘徊在1万2千点至1万3千点之间,增值机会较大。鉴于原产品自去年开始走弱,近期有陷入几年周期性疲软迹象,他建议大家持减原产品基金。

定存
利率调低几率高

储蓄是理财的必备工具和根基,有了储蓄,等于拥有强大现金后盾支撑其他投资项目,有效增加财富。而回酬率稳定、低风险特色,让定存成为最踏实的投资工具,深受大马人喜爱。
目前,我国大部份银行给予定存约2至3%左右利息,市场预测今年下半年可能会升息。

理财师点评:
针对下半年升息的传闻,石海潮排除此可能性,反而认为不升反降的可能性较高。他指出,目前并无调升迹象,政府积极鼓励国人消费,则需采取维持或减息政策刺激内需,不过为吸引民众持续储蓄习惯,下调幅度料不会太大,预计可能调降0.25%左右。
下调幅度不大

李文畅则预测上半年将维持同样利率,若通膨高于3%,下半年可能微升。他指出,全球利率维持低水平不升,而大马利率多跟随外国。

以目前我国原产品价格走低,亦没有通膨困扰的状况来看,上半年利率将维持现状。不过,若下半年通膨位于3%以上,第三季度可能会稍微调升。

黄金
金价跌
春节后可买入

黄金是财富和身份的象征,尤其是华人,都爱投资黄金保值。
不过黄金的增值空间有赖于市场供需,回酬不稳定。

目前大马最普遍的黄金商品包括金条、金币和饰品,去年国行查封黄金投资公司的措举,让国人在投资黄金时更为谨慎,为确保其合法性,建议民众通过国行认证的金融机构进行黄金交易或在金饰行买卖金饰,以免被不法分子所蒙骗。

根据彭博社,过去8季预测国际金价走势的最准确的丹麦银行分析师图克森(Christin Tuxen),预计伦敦黄金现货今年均价为每安士1千720美元,而第二准确的瑞士信贷分析师肯达尔(Tom Kendall)则预测今年均价为每安士1千740美元,这是基于主要中行持续以量化宽松政策来振兴经济,可望支撑金市买盘,而预测今年金价上扬。

理财师点评:
理财师杨子佑以大马佳节庆典市场供需预测,农历新年之后,即今年3至5月的金价将下跌,可乘机买入,年底因佳节需求增加,价格可能会高涨。

而李文畅则认为今年美国经济转强,将导致黄金表现欠佳,除非发生战争或浮现经济问题,黄金走势才会转强,两者始终存有相互牵制关系。

中印需求高
石海潮则表示,黄金在任何时候都有其存在价值,预测金价可从商品、战争、需求量和政经局势的信心度作分析,目前中国及印度对黄金的需求量最高。

至于去年的金玉华黄金投资公司被查封事件,他认为这是人性贪婪和缺乏投资常识所致,显示市场上还有许多人宁愿相信朋友也不寻求专家意见,才会陷入投资陷阱。
 
债券
短期债券减低风险

以往,大马散户只能透过基金投资债券,最低投资额为1千令吉,今年随着大马首个上市交易/伊斯兰债券(ETBS)于2月8日在债券板上市,民众又多了一个投资选择增加财富。

今年首先登场的国家基建基金有限公司(DINB),计划推出总值3亿令吉的基建基金零售伊斯兰债券,回酬率约4%左右,比定存利率高,不失为一个稳定且低风险的投资工具,相信可赢得稳健保守型投资者的青睐,成为储蓄以外最保险的投资选择。
 
理财师点评:
李文畅认为今年大马的债券市场表现不过不失,建议大家买入2至3年的短期债券,减低投资风险。至于海外债券,分中、长、短期,短期为1年;中期约1至3或5年;长期需5年以上。
 
货币债券无风险
鉴于美元利率已相当接近0%,若未来升息,长期持有将面临亏损,建议大家买入无风险,为期1年的货币债券,以享有2%回酬。他预计美国在2014年之前都不会升息,可短期持有美国债券。
 
外汇
美元转强
日圆走贬

外汇因国际贸易结算而诞生,汇价以5位数字显示,大马民众可通过银行开设外汇户口,购买海外货币,如美元、欧元、日圆、英镑等。

目前全球约有30多个主要外汇市场,分布在亚洲、欧洲、北美洲等地区,亚洲区主要汇市为东京、新加坡及香港等。

国际外汇市场波动频繁且波幅巨大,由于各市场被距离和时间所隔,可24小时在世界各地进行交易,整体走势难以掌控,有3高特色,即获利、投资风险和投资门槛也同样处于高人一等的水平。
 
理财师点评:
至于外币投资,李文畅看好美元。他指出,美国经济开始复甦,经济成长迹象让市场恢复信心,若无战争美元将转强。
 
人民币走势逊美元
人民币方面,因中国为全球主要出口国,料追随美元走势,不过因中国新管理层作风难以捉摸,他预计走势可能比美元慢热。

日本最近加速印钞,宽松货币政策旨在让日本经济摆脱通缩,不过此举将导致日圆长期走贬,他不建议民众投资日圆,但可乘机到日本旅游。

 星洲日报

Monday, September 04, 2017

Have you write a will? What is the practical aspects of writing a professional will that can prevent costly delay and dispute?

I will be sharing Professional Will Writing @ Penang on 9 Sept (Sat) and KL on 30 Sept (Sat). No matter you have written one or not, come to master the practical aspects of will writing in one day. Other Estate Planning tools that complement the will will be discussed too.



Grab your seats here,
https://goo.gl/forms/Xket9dvyTiIK92Un1

#CPE #HRDF #CPD #will #estate #FIMM #SIDC #trust #balance #wealthmanagement #financialplanning #money #finance
#moneymastermy #finfreedom #learning #workshop

Monday, August 14, 2017

Take control of your finance and life by using the given simple but practical financial plan tool @ KL


SIDC CPE, FIMM CPD & HRDF Financial Master Class-A Simple Yet Practical Financial Plan Tool
Date:  22 August 17 (Tues)
Venue: SSM Training Center @ KL Sentral
Time: 9am-6pm

Highlight
-Financial Health Check
-Practical Financial Plan tool given
-Real life stories & case study
-Interactive learning in comfortable environment

Objectives
1. Help clients and ownself to construct a simple yet practical financial plan
2. Employ the tool to plan and gains commitment from client and open business opportunity on financial solutions proposed

Outcomes:
1. Participants should be able to better manage of the client’s finance through financial planning tool.
2. Participants should be able to help their client take control of their own life, family and money.
3. Participants should be able to guide their clients to live life to the fullest and in the same time giving and helping those needed.

Target group
Remisers, CMSRL License Holders, Private Bankers, Bank Relationtion Managers, Registered & Licensed Financial Planners/Advisors, Investment Bank management and staff, Commercial Bank Management and Staff, Islamic Bank Management and Staff, Public and Industry Related Professionals, Stock Broking firms' management, Business Reporters and Public

Course Outline
1. Knowing you financially.
2. Overview of Financial Planning & the important of financial planning
3. Important of having a goal
4. Financial Plan’s goal, resources and gaps-Education, Debt, Networth & Retirement
5. Formulate Financial/Investment Strategies.
6. Develop Action Plan and Review Schedule.
7. Q & A & Summary

Note:
1) HRDF Claimable under SBL Scheme
2) CPE / CPD point entitlement
    a)      SIDC CPE – 10 points
    b)      FIMM CPD – 8 points

Contact Person(s)
Training
04-6443466/6443467
training@financialfreedom.com.my
www.financialfreedom.com.my

#financialplan #moneymastermy #finfreedom #money #education #debt #financialplanning #financefreedom #CPE #SIDC #CPD #HRDF #NetWorth #wealthmanagement #goalsetting #financialgoal #FIMM #wealth

Tuesday, August 08, 2017

"Money is the biggest cause of stress" - Smart Investor August 17


  

#CPE #HRDF #CPD #SIDC # FIMM #stress #financialstress #balance #stressmanagement #financialplanning
#moneymastermy #finfreedom #learning #workshop

Thursday, August 03, 2017

From stress to financial stress



As per United Nation reported before saying that stress is one of the top two modern killers. This is not something new as the majority of us hear about the stress and its effects but more from negative points of view-harmful to our life and health. So, what is stress? Stress is about your respond (body and mind) against the keep on the changing environment and how we react to the stress really matter most. The thing that stresses you out might not cause the same effect to others. As a matter of fact, stress does create a positive impact on our life too as it pushes us out of the comfort zone to do more than we think we can or maybe change the way of doing the (same)  things. One example is if you are in danger, the environment (stress) will trigger you to run away or ask for help. In this situation, stress actually is helping. The good or bad effect of stress is depended on how you think about it. 

My teacher told me before that he used to set higher expectation (let say expect 10-20% more) to each member of his student (of course based on what his own understanding about each of them), then each team member will try to fight to complete it as per expected. When come to result, he will accept whatever level of outcome done by his team after reviewing about it. If he did not set the higher expectation to each of them, most people only did whatever they think they can, some just “simply do” it and some even give the outcome that even lower than what he or she can do.  So, stress can make you stretch, serious about it and do more than you can. 

As per picture below, this is about the relationship between performance (personal or job) and the level of stress we faced. 

 

I am sure you will feel bored (feel being ignored, not important) if you are being given a routine and not challenging job at all, that why we all need a certain level of stress which leads to higher performance and you will feel excited, focused and energized about what you going to face. Of course, the optimum level of stress varies among us other so we must know clearly what is our limit-stress symptoms. Too much of stress make you feel “overloaded” and it will cause a negative impact to the performance and personal ill health. I have a friend who nearly ended his life due to the worry of not able to complete the degree final year project, of course, unable to graduate. He told me that even by continue working on it 24x7 for 3-4 months, it is impossible to complete it, the supervisor was too much. 

Sometimes, we do not realize that we are overloaded with stress and even the doctor also cannot find the reason behind some sickness like a headache, stomachache and etc. Actually, there are few symptoms that will help to know whether we are in an over-stressed boundary, which are listed below:
(a) Feeling of anxiety, depression, tension, frustration and mood swing
(b) Abnormal of heart beat, high blood pressure, slow body metabolism and digest
(c) Poor concentration and short-term memory capacity
(e) Eating/Sleeping less, increasing intake of caffeine, alcohol, and cigarettes disrupted sleep patterns, absenteeism, and reduced work performance.

I had a constant headache for nearly 1 week when I started to accept a senior position in one MNC company before. The new position not only with high expectation but also need to pick up in a very short time, more and more tasks being loaded in and the working culture also was really different from my previous one. I need to continue taking the painkiller to cure the headache as a temporary fix and I also took “MC” twice in the same month. Finally, I managed to cope (familiar) with it after a while.

Today, maintaining a life and supporting a family is tougher than before, and I am sure that most of us face a certain level of stress now or in the past 1-2 years. Allow me to share one TED video about stress and this can save your life by changing your mindset about the stress. Kelly McGonigal is a health psychologist who shared on “how to make stress your friend” in the TED Talk worth watching. It will totally overturn our mind that we used to treat the stress as harmful and enemy. Let me summarize for you as follow:




·         a) People who experienced a lot of stress but did not view stress as harmful were no likely to die.


·      b) Those who learned to view the stress response (body) as helpful; they were less stressed out, less anxious and more confident-biology of courage. Their blood vessels stayed relaxed even their heart was still pounding, but this is a much healthier cardiovascular profile-like what happens in moments of joy and courage.


·         c) When you choose to connect with others under stress, you can create resilience against stress.


·        d) For every major stressful life experience, like financial difficulties or family crisis, that increased the risk of dying by 30 percent but those who spent time caring for others showed absolutely no stress-related increase in dying. Caring created stress resilience.

 



There is another important tip which I find is very useful by Kerwin Rae on his video on how to overcome the stress.  According to Science, stress’s hormone “Cortisol” can reduce our IQ performance by 40-50% and of course bad effect to our health but by practicing grateful (hindsight and count your blessings) toward the thing that stresses us out will create DHEA (Antidote to Cortisol) which can eliminate the Cortisol and its effect to our body. We should practice grateful in every moment of our life not just too over the stress but it is a very powerful and positive energy that can attract wealth, abundance, and wellness into your life.  

There are so many stressors in our life such as physical environment, weather, relationship, family, money, career, study, sickness, emotional and etc. Let me elaborate on how career creates a stress to us. To me, career planning is about knowing whether you like to deal/work with people or not, you will fall sick if you hate to face with people but it is required in your daily job. I have a friend who falls into this category where he prefers to deal with the computer, machine, a robot without the need to entertain people (fewer people communication). He thinks people are too emotional and very tiring to deal with people.  

What our focus will be the money out of so many stressors because this is the top contributor to overall stress we face daily. Carnegie also told us that financial problem is one of top two family problems most people face. I will share more on next article. 

* This is the article that i contributed to Smart Investor but they thought it is too general and is about health than wealth so they rejected it so i put it here 


#CPE #HRDF #CPD #SIDC # FIMM #stress #financialstress #balance #stressmanagement #financialplanning
#moneymastermy #finfreedom #learning #workshop #YongChuEu