7) Imagine people facing the above for years?
Wednesday, October 10, 2012
Heavy Rainfall Experience
7) Imagine people facing the above for years?
Monday, May 21, 2012
Know Your Financial Position Package
1. Why many people work hard all day only to find that money is never enough? Wondering why your wealth has not increase over the years?
2. Let me present to you the 'KNOW YOUR FINANCIAL POSITION PACKAGE'
3. It comprises:
(a) 30-Page Powerful Action Manual - This manual is packed with simple fill-in-the-blanks worksheets plus step-by-step instructions for you to TAKE ACTION towards financial freedom!
(b) Personal Balance Sheet - You will know how much Liquid Asset, Positive/Negative Cash Flow Asset you have and finally you will know HOW MUCH YOU ARE WORTH!
(c) Daily Expense Sheet - You will have a picture of your daily expenses
4. So how much this package will be? With all the above, this package is worth RM50/- However, I am only offering it to you now at RM10... YES! ONLY RM10 to kickstart your financial dreams. It's even cheaper than a movie ticket. THe reason GLLT and me is doing this is to encourage people to take responsibility and plan to ensure their financial well-being in the future.
5. 100% MONEY BACK GUARANTEE - I GUARANTEE you that this package will immediately get you started to realise your financial dreams. You will begin to have focus in increasing your wealth. However, if you are unhappy after applying it, you will get your money back, no question asked.
6. EXTRA Bonus: You will get RM30 discount if you want to invest in an E-Book titled 'Believe in Your Dreams'. The E-Book is worth RM50. With the discount, you are only investing RM20 for your financial future.
7. The E-Book will share the following information:
(a) Secrets Of The Rich
(b) 6 Steps To Financial Abundance
(c) 10 Habits Of Self-Made Millionaires
(d) Multiple Streams Of Income
(e) Growing Your Wealth At Millionaires Return In Unit Trust & Share Market Investments
(f) How To Manage & Control Your Expenses
(g) How To Make RM100,000/- Of Net Worth In Just 4 Years Without Quitting Your Job
(h) How About Making RM240,000/- In 4 Years?
8. With just RM30 of investment in your 'Know Your Financial Position Package' & the E-book, you will immediately expose yourself to how the RICH make their money. You will also learn how to make RM240,000/- in 4 years without quitting your job.
9. And it's 100% Money Back Guarantee... RM30 investment is equivalent to a monthly prepaid. It's just RM1 investment in knowledge everyday for only 30 days, knowledge that will stay with you forever.
10. Inbox me, SMS or give me a call for your order. I will send you the softcopy after payment is made.
11. GLLT and me wish you great success in your life!
George Leong
017-6593817
cn_leong@hotmail.com
Wednesday, May 16, 2012
Birthday Feelings!
3. What am I thinking right now? In this very second, I feel that it is about time for me to start a habit of recording what I had done for the past 1 year. Is it a fruitful year…? Hmm~ let me see… GOD & PARENTS bring me to this world, letting me to experience what life has to offer. How about changing that sentence… what about offering something to life? Or how about both? I guess it works that way.
4. I want to experience what life has to offer and more importantly to offer something to the world by doing my part to make the world a better place, to contribute towards mankind. I thought about setting up a company to contribute towards building an inspiring, passionate and financial literate community where everyone is empowered to achieve success in life.
5. Currently, I am focusing more on building a financial literate community. I am going to launch ‘Know Your Financial Position Package’ very soon. (will explain more in my next blog posting). Part of the package involves a GOAL-SETTING WORKSHEET which could transform and change your life towards achieving great things you set your mind with. I am going to share with you what I am busy-ing at age 23, hope that give you a view about the impact of goal-setting!
5. For the past 1 year, I:
(a) Almost completed my Master’s degree
(b) Along with other academician, we contribute and produce great students (around 30) who scored well in academic, curricular activities, investments etc
(c) Gave 6 talks to 900+ students in the area of money management & investments.
(d)Trained 30+ workshop participants to start young and achieve financial freedom
(e) Contribute RM6,050 to the family, church and charitable organisations.
(f) Completed my duty as Sunway University Postgraduate Representative
(g) Set up an educational & training company
6. I guess that’s about it. Though I know it may not be very impressive compared to other successful youth in this country and other countries, I am glad about it. This is because as long I take action and move closer to my ultimate goal everyday, I am happy about it already. To me, that is SUCCESS! Of course the ultimate goal is an ethical one.
7. Thank you GOD, PARENTS, FAMILY & FRIENDS for all the love and care showered upon me. Your kindness is much appreciated. I THANK YOU ALL FOR THAT!
8. Let me and others welcome the birth of a new age. For me, it be 24 years old. I am on track towards achieving the goals set for age 24 hehe~^^
9. Stay tuned for my launching of the ‘Know Your Financial Position Package’.
10. One last thing, my birthday wishes will be everybody to be healthy, happy with family members and friends, lead a meaningful life, promote peace and harmony, and willing to listen when I approach you to share about financial strategies LOL~^^
11. HAVE A GREAT DAY EVERYONE!
HAPPY BIRTHDAY~^^
Saturday, April 21, 2012
YOUTH MONEY MANAGEMENT DILEMMA
Youth of 30-40years ago think very differently. When they graduate with a degree and enter the job market, SAVINGS is their priority. They would take a walk or a bus to work. Owning a car is out of the question. It's not to say it is convenient back then, but it is all about the endurance they are willing to have for a better life. For those who can afford a car after 1-2 years working, buying a second hand car was their choice.
NOW
Youth these days love the word 'comfort'. They love to enjoy, life is short, so why not enjoy right?
When they graduate with a degree and enter the job market, SPENDING is their priority. They would quickly buy a FIRST-HAND CAR to work in the name of convenience. If there is no car, how am I supposed to work? HALLO~ To take a 20 minutes walk is out of the question... That is the difference! Youth these days would love to take a 'free loan' from the parents to pay for their car downpayment and instalment and not willing to sacrifice and save hard to give their parents monthly allowance. Yet alone their grandparents and relatives. To them, their personal well being COMES FIRST, others comes SECOND! Guess that tells of a person character isn't it?
CURRENT GENERATION HUGELY IN DEBT!
If you really think about it, most of the youth or rather working adult are hugely in debt. With tuition fees being so expensive, most of us take a loan whether its a loan from retail banks or PTPTN loan. Most of us will have a negative net worth (All personal assets minus All personal liabilities). Example: - RM48,000...
Yet, many youth opt for a first hand car when they enter the job market. The level of debt will just increase, never really putting a thought that 'YOU HAVE TO PAY BACK THE DEBT ONE FINE DAY.' They prefer comfort, convenience and lifestyle.
MATERIALISM
Happiness is based on the number of material possessions you had... this is what some youth thinks about. They go for branded stuff, thinking people will give them a good impression. There is nothing wrong to go for branded goods as long they could REALLY afford it. Lets be more personal... Imagine if you are heavily in debt, it literally means you still OWED people money. Yet, having a i-Pad 3 or i-Phone 4S is a must for you. In fact, you do not really qualify for these kind of gaggets isn't it? If these gaggets help you to make more money, then it is a good investment but if it is not, you are not making a wise decision.
SOLUTION
Having a different mindset. Always apply the strategy of DELAYED GRATIFICATION. It means you choose to sacrifice now (save and invest) to enjoy the benefits (large saving and investment return) later on. Be responsible in leading your life. Choose to donate and benefit one's life. Choose to travel the journey less travelled, and it will be a journey of a life time. A journey that is so meaningful and fruitful, that you will feel so proud of yourself every single day. That makes your loved ones feel proud.
Isn't that what you want at the end of the day?
Sunday, March 4, 2012
Meaningful Thoughts
It was a great concert at Stadium Merdeka Kuala Lunpur, the fans were crazy about him... A wonderful experience for me as this is the 1st time I go for a concert. I wasnt really shouting or cheering in the concert to save my voice for the week (sore throat), and hmm~ felt uncomfortable cheering for a guy. I may cheer and shout for SNSD LOL... It was raining a little, a cool experience~^^
When everyone is cheering and enjoying the concert, I actually sat back and have some deep thoughts about something. Guess what it is?
I was thinking about INDEPENDENCE DAY! As we are at the center of the Stadium (RM388 ticket), I realise that was where our 1st Prime Minister stood, shouting MERDEKA, MERDEKA, MERDEKA! Anybody actually knew what was I thinking? Hmm~ I guess I am the only one, and if I am lucky, may be my future dear wife would understand me totally.
Because of the effort and sacrifices by our ancestors of the past for independence, we get to enjoy the fruits of it...and yes, Lee Hom's concert. It is because of their sacrifices, we are here to enjoy.
One question: Are we appreciating it? or even had a thought of it? Hmm~ again, I guess actions speak louder than words. I always believe in actions and not merely words. We can celebrate Independence Day on 31st Auguest, claiming that we understood the meaning of it. But~ there is a but... are we really appreciating it throughout our lives, or it's just 31st August.
Food for thought everyone!
And yea, its always good to be at this historic place enjoying Lee Hom's concert with your dear ones, I had it. LUCKY ME~^^
Sunday, February 5, 2012
Winning the Race of Life Series - 'Time is the fairest gift of all'
Different people utilize their time differently. During spare hours, some would prefer to sleep; some prefer to read while some prefer to faceboook. Different usage of time would therefore yield different results.
If a person wants to create wealth, it is obvious to spend time learning how to create wealth. If a person wants to have a healthy body, it is obvious that a person spend some time to exercise in the gym or in the park.
For most people, taking a 8 hours sleep is usual. If I were to calculate the total number of years of a person who sleeps 8 hours a day using a calculator (from age 0 - 80), to my surprise it amounts to a staggering 26.67 years of our lives. If you sleep 10 hours every single day, you figure it out how many years you spend sleeping.
If a person spends 2 hours facebooking every single day, guess how many years you are sitting in front of your laptop gossiping or be a busybody (from age 15-70)? The answer is 4.58years of your precious life. However, if you spend time facebooking to gain or discuss knowledge of creating wealth with your buddies, you are investing 4.58years of your precious life in gaining knowledge about wealth.
Well, I am not writing here to tell you not to sleep or not to facebook at all, I am just trying to show you how precious time is, and how we should utilize it properly. The time is ticking every single second, seconds gone will not be coming back forever.
Solution: You may apply this time management exercise. Have a timetable for yourself (the moment you wake up from bed till the moment you sleep) and plan how you should utilize your time effectively.
Example:
1.Time 2.Activity 3.Closer to my goal?
8-9am
9-10am
10-11am
---------
---------
---------
10-11pm
Ask yourself questions like:
(a) Is this activity drawing me closer to my goals? If it doesnt, SCRAP IT!
(b) What are the activities that draw me closer to my goals?
(c) How could I maximise my time in these activities that bring me closer to my goals?
In short: Only FOCUS on activities that move you CLOSER TO YOUR GOALS!
I guess you would have an idea how precious time is to you right now... For those who are poor and in the lower middle-income group, don't you think you should work harder and create wealth for your family, or bring your family out of the low-income group. The rich is getting richer, are you getting poorer and poorer and not doing anything about it?
Let me give you a real-life example:
I met my hometown friend during Chinese New Year. We had a wonderful drink together and he shared about his plans to bring joy and wealth to his family. He is an accountant and works in Singapore. He saves like crazy, RM4,500 every month, that would amount to a total of RM54,000 every year. By the way, he is only 26 years old.He and his elder brother recently bought a double-storey house for their parents for a better living as the single-storey house they are staying right now is too small. In addition, he plans to buy a RM150,000 car for his daddy who has worked so hard over the years to raise him and fund his education. He wants his dad to enjoy the comfort while traveling.
What I am emphasing here is he takes action to plan, to save and to invest and finally get to enjoy a better standard of living with his family right now.
THis is a classic example of what people should focus on these days. If you are from a poor family, shouldnt you be working even harder to create and bring wealth to the family? If you are from a rich family, shouldnt you be taking 100% responsibility of your life and build your own income and pay your own bills? Shouldnt you be independent? If you are already rich, shouldnt you be focusing your time to educate the rest about your secrets to success and contribute towards the community?
That would be the greatest gift of all to the community...
Food for thought ladies and gentlemen.
Monday, January 9, 2012
Winning the Race of Life Series - 'Learn to Give to be Happy'
Question: Is happiness important in life?
Answer: YES, it is... Why wanna be sad when you can choose to be HAPPY!
Question: THings happen to make me feel sad, how to be happy then?
Answer: It is a matter of CHOICE, you can choose to be happy in any situations if you look at it in a positive manner. First learn to give and you be happy.
Is happiness important in life? Well, that depends how you define happiness... A person who always smile may not be happy deep inside his or her heart. A very good example is before you sleep, how do you feel about yourself and life? You may seem to be happy during the day with your friends but you may not be TRULY HAPPY deep inside your little heart.
I AM VERY HAPPY WITH MY LIFE! Thank GOD for the BLESSINGS!! Yes, I may be sad at times, I may be disappointed about myself sometimes but thats usual for me as I do made mistakes in the quest for greater success. Personally, I want to thank those who support me whenever I am unhappy, remember once that someone was actually forced to listen to me for 3 straight hours, LOL!
LEARN TO GIVE and you will realize true happiness. People should learn to give especially to their loved ones who had taken good care of them for all the years. The tears, the sacrifices, the sincerity of loved ones are what money can't buy. They did it because they love you very much, hence you should not disappoint them but to cherish them with love and care. Many said they love their family very much but when it comes to enjoyment, they only think of themselves without having a single thought about their family. They would rather spent on buying clothes, electronic gadgets, car, concerts, vacation etc. Their priority is actually themselves, and not their loved ones. This is a very selfish act. This is sad, what a pity!
Well, I have something to share here. I am happy to contribute RM11,500 to my family and community at age 23. Sponsor my grandmother and mother RM5,000 each for a vacation overseas. Treated my brother, cousins and good friends a sumptuous meal plus christmas presents. Make a small donation in church to fund several christianity community service projects.
It is actually a dream come true as I always wanted to contribute to my family, friends and community happiness. Furthermore, I am the eldest in the LEONG FAMILY, thus the responsibility to take good care of the younger ones. One dream of mine fulfilled, who says dreams do not come true.
I am not writing to brag about how great I am, what I am sharing here is just to share with you about the importance of giving to your loved ones to realize true happiness. When you learn to give, you actually develop a habit of benefiting the people around you. You develop a habit to serve the people. The greatest joy you could ever have is to serve the people. When people are happy, I am happy hehe! THe bonus would be when someone actually appreciates your service, this is truly meaningful and that is what money cant buy. (I still keep some of the sms sent by students when I am serving them as a student representatitive back then in UTAR)
Learn to give before receiving...
Share with you this wonderful song that I enjoyed singing while making my donation in church.
O HAPPY DAY!!!
Friday, January 6, 2012
Winning the Race of Life Series - 'Choices to make in life'
Wednesday, January 4, 2012
Winning the Race of Life Series - 'A Simple Life'
Warren Buffett, although the 2nd richest man in United States still drive to work with his 2nd-hand vehicle. He has no driver. He has no entourage. He still lives in his Bungalow in a middle-class neighbourhood he bought 60years ago at USD 31,500. Buffett always keeps his meal simple and hardly ate in an expensive restaurant. Mostly fast food for Coke for his drink.
One thing I discover about people is they love making things complicated. For example, a student life is very simple. Just making sure he or she attends classes on time, do assignments and presentations, do some revision etc. If he or she could cope well with studies, then move on to other activities. All a student needs to do is to make sure things are organised and balance his or her life with family, friends, health, studies and probably other activities. It is just that simple! If a student finds it difficult to cope with studies, then spend more time with friends studying or seek guidance from lecturers on tips to study effectively. And not spending time going for mamak, or hanging out in shopping malls which is a waste of precious time. Remember, the clock is ticking and time flies.
By the way, they are many books in the bookstore that teaches you how to study effectively. A good read will be Adam Khoo "I Am Gifted, So Are You!"
As for working adults, it is more challenging as there are more and more commitments to cope with but it could be simple if a person leads a simple life.
Let me share with you how simple a guy I really am:
Family: Family is very important to me. They take good care of me and I love them very much. Besides, its always good to love your family.
Action: To make sure proper advices are given to them to lead a meaningful life, and to make sure I spend time with them no matter how busy I am. Example: I spend quality time (3-4days) with my cousins every end of the year.
Friends: I only make good friends...friends that are sincere and good to me. When I said good means they help me and treat me well without any hidden agenda behind. If not, why waste time on people who are bad and would destroy or complicate your life? Get away!
Action: Always calling them to keep in touch. Always looking for them at least once a month although they are a distance away. And yea, we always go countdown to usher the new year and have fun together.
Health: It is important to be healthy. What is the point of having all the money in the world but not being healthy to enjoy life right? So yea, remain physically healthy and lead a healthy life.
Action: Hit the gym 2-3 times a week... work out and do some jogging.
Girlfriend/Wife: Very simple, she is there for me and I am there for her be great. When we are not together, she will always think about me and I be thinking about her. Both hearts are deeply connected no matter where we are and what happens. Both will remain faithful and loyal to each other.
Action: Just do my part will do, and provide the best for her.
Financial: It is important to achieve financial freedom because that is what real freedom really is. To do what u love to do. To be rich, one has to learn how to be rich and that takes a tremendous amount of dedication to increase your financial education. I wanna be financially free because I hope to spend quality time with my family in the future. Example: I would love to spend more time at home to take good care of my babies/kids. Bring them to school and see them coming back and call me: "Daddy, we are back home... wanna show you what we did at school today! "Dad, your food is delicious...thank you for taking good care of us, love you dad"
I know its a bit too early now...but guess what, one has to work towards it. If a person wants that kind of life, its better to get started now and be prepared for the future. Don't you agree?
Action: Read many financial books and attend seminars and courses. Take massive action to achieve the financial goal although its so difficult and requires some sacrifice. It is definitely worth it in the future though.
These are the simple examples of how I lead a simple life.
Tuesday, January 3, 2012
Winning the Race of Life Series – ‘Setting Priorities’
Definition of Cambridge:
Priority means something that is very important and must be dealt with before other things.
It is important to understand the word ‘priority’ as it determines the way you lead your life. It determines what you will do in your life.
Issue: People have a difficulty understanding priority in their lives. They get their lives mess up and often fail to win the race of life.
Example 1: A student not leading a student’s life as many often hang out with friends in shopping malls, having long-hour meals, coming home late at night etc.
Transformation: If you are a student, studies come first. In fact, that is your main responsibility. No other things should come first before studies. If your friends ask you out, you may excuse yourself and only hang out in the weekends.It is just that simple. Furthermore, you have paid for your tuition fees and you should make good use of it. If you could manage your studies well, you could then proceed to focus on curricular activities or other business ventures.
Example 2: People often place personal pleasure above family well-being. For example, people often spend much in having nice meals and go vacation with friends and not having a thought of contributing more towards the well-being of family members. They always said I love my family members but never demonstrate that in their actions. What a pity!
Transformation: It is always better to give than to receive. Contribute towards your loved ones and make them happy. These are things money can’t buy… I agree that money plays a part, but your family members are not happy because of your money. They are happy because you have the kind thought of contributing your hard-earned money towards their well-being. For example, the intention of buying them a nice TV, buying them a nice fridge, treat them a sumptuous meal and not merely using your money for personal pleasure like buying personal stuff and go for a massage. It is your intention they are happy about and this is what money can’t buy.
Isn’t that meaningful in life? Something you are proud to share with your kids in the future. You may start by saying: “Do you know that PAPA did this in the past? Are you happy and feel proud to have DADDY doing this? Do you want to follow PAPA footsteps in doing meaningful things?”
Sunday, January 1, 2012
Winning the Race of Life Series – ‘Life is a Race’
Happy New Year my fellow friends… How have you been doing in year 2011? Set your resolutions for year 2012 and getting ready to achieve them?
I am back in blogging and I will begin sharing my thoughts with all of you. Let me present to you the ‘Winning the Race of Life Series’. This is a series about the winning principles of life which everybody could apply in their daily lives. Hopefully you will benefit from it and enrich your life for the betterment of family members, friends and the community. Of course, you feel better too as you begin to live life to the fullest.
Living life to the fullest does not mean vacation, hanging out and go partying. It literally means a person is able to travel the extra mile and achieve his or her passion in life. It is the process that enriches a person’s life. Of course, one has to make sure that the passion does contribute to the betterment of mankind. Something of good moral values and is meaningful. If not, QUIT IT!
Life is a race, that is what my daddy taught me since young. We could either win the race or lose in the race. If we are slow in our approach in gaining knowledge and applying them, we would be left behind. If we do not learn the strategies of winning the race, then we are set to be a loser. In fact, there is a valuable lesson for every race we compete in life.
First of all, let us be clear about this. Should we:
(a) Be in the race, or
(b) Be a spectator that watches the race
My dad often encouraged me to be in the race as he said a person in the race is able to experience what life has to present to him or her. It is a different feeling, a feeling that will enrich your memory lane. People who chose to be a spectator all the time is set to only be a commentator. Only giving comments and opinions and lose the opportunity of experiencing what life has to present to them.
Question: How to experience life to the fullest?
Short Answer: Be in the Race!
Further Explanation: Be the best in the things you do… for example: a champion in running events, successful entrepreneurs, successful scientist, charity etc. Make sure the things you do are MEANINGFUL and have GOOD MORAL VALUES!!!
If not, don’t do it, you are just wasting your precious time!
Question: How to win the race?
Short Answer: Learn how to win!
Further Explanation: If you take notice, you will find that successful people often applied the same strategies in their approach. It is the pattern of winning. For example, bright students often have proper time management (strategy) in their lives. Making sure they study every day and mix with friends that are smart + hardworking in their studies.
Another example would be successful entrepreneurs are focus (strategy) in their work. They do not let temptations affect them. For example they do not spend time hanging out in shopping malls, to them it’s a total waste of time. Just observe and you would find it right.
To win in the race of life, all you need to do is to discover these secret strategies and apply them in your life.
HAPPY NEW YEAR BUDDIES!!!