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

(d) Personal Income Statement - You will know your  monthly and yearly income and expenses... Questions like how much you make in a month, which category that money comes from, what are your expenses will all be answered.

(e) Passive Income Worksheet - You don't work for money, let money work for you... With this worksheet, it provides you with a focus to increase your passive income every month.

(f) Goal-Setting Worksheet - You will know where you are currently and start making a plan for the future...

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

Birthday Feelings!

1. Today is the last day of my 23 years old of age and tomorrow I will be 24 years old. I think that it be great to pen my thoughts in this moment.

2. How do I feel? Hmm~ I have mixed feelings. One side of me I am looking forward to travel the journey of life; another side of me seem to feel that time flies really fast. I still remember when I am 17 years old preparing for SPM, thinking that it would be a very long time for me to graduate with a Bachelor degree. A blink of the eye, I am about to complete my Master’s degree, waiting for results, pray that it will go through well.

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~^^

YOUTH MONEY MANAGEMENT DILEMMA

Youth in the current era is certainly facing a money management dilemma, to save or to spend! Let us take a look at the past.

BEFORE
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?

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~^^

Winning the Race of Life Series - 'Time is the fairest gift of all'

TIME... the most important and fairest thing of all. No matter how poor or how rich you are, everybody has 24 hours every single day.

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.

Winning the Race of Life Series - 'Learn to Give to be Happy'

Picture with my grandmother!!!



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!!!

Winning the Race of Life Series - 'Choices to make in life'

In life, there are choices to make. Especially in this modern era where most countries have achieved independence - meaning more freedom to make choices in their lives.

Freedom means people can choose to live the life they want to live. Sad to learn that many people choose to live their lives below their means. They get a job, living paycheck to paycheck and struggle to make ends meet without having any thought of being ambitious or increasing their financial education to provide a better life to their family and the community.

As for me, I love freedom and freedom to me is being able to do what I want to enjoy life to the fullest. Of course, it has to be meaningful with good moral values. I want to travel the world whenever I want to and do business + invest in that nation. For example, there are so many good companies around the world which I want to have an interest/piece of the business. Preferably to own some businesses as well.

As mentioned in my earlier post, I would hope to spend time with my kids at home and witness their growing stage in life because my parents does that when I am a little baby/kid. I am very blessed and lucky in a way which I hope to continue the good culture in my family. LOVE YOU PARENTS! I wish to take cute pictures with my kids too...LOL! I could not see myself joining other employees for a 9am-5pm job. I could not see myself doing something I am not truly passionate about.

A person can choose to be poor, a person can choose to be in the middle-class, a person can choose to be rich. Of course being rich takes a lot of commitment and hardwork especially in increasing one's financial education. A person may be a taxi driver by profession but he does not have to be a poor taxi driver. A person may be a teacher by profession but he or she does not have to be a poor teacher.

I am not asking you to choose to be rich nor am I asking you to increase your assets and income. If you are happy where you are now, please remain where you are because happiness is important in life. If you are unhappy on your current position and believe you are capable to be better for the sake of your family and the community, then I welcome you to make a commitment and take massive action to increase your financial education. Very soon, you will see an increase in your assets, your income and your personal NET WORTH!

One of life's greatest joys is to be happy about yourself... You have a choice to make, you are the creator of your very own destiny.

To your success my friends!

May call me or leave me a message if you are interested to invest in financial knowledge to increase your wealth!

George Leong

017-6593817