Hi there Mr. Yong
Just read your book
Excellent stuff 👍🏼
Very practical n very on point 👌🏼👌🏼 You have covered all aspects of financial planning n made it easy even for any man on the street to understand n be able to practise
Well done n congratulations again 👏🏼👏🏼👏🏼 I particularly like the parts you highlighted on filial piety n the act of giving 🙏🙏👍🏼👍🏼👌🏼 (Kemmy Chuah, Remisier from RHB Investment Bank, Melaka)
So grab your copy here
Question: What are some ways to avoid some credit card fees once you have a credit card?
Answer: Pay your bill in full and on time every month! Pay attention to all mail received from your credit card company. While your card may not have had an annual fee when you signed up, you may receive communication that the terms and conditions have changed. #financalfriday#stanstate#warriors#financialwellness#credit
U.S. shoppers spent a record $126 billion on online shopping in 2018, a 16.5% increase over the following year. What ways will you choose to save some cash this holiday season? #msa#financialwellness#holidays
(‘I Feel So Anxious Spending Money on Holiday Shopping!’)
"I have the resources, but I am not sure how to stop fearing money and feeling bad about spending it."
Can you relate? How are you managing your holiday spending? Share in the comments. Good article here by @TheCut.
💵 🎁 🎄
📸: H. Armstrong Roberts/ClassicStock/Getty Images
Follow the link in my bio to read the full article!
Tuesday evenings @ 630pm or Saturday morning @ 930am
Location: 900 East 162nd St. Ste 211 South Holland IL 60473
What you'll learn: 🔥How to add an additional $10,000 - $50,000/year in part time potential income to your financial house or an additional $100,000+/year in full time potential income. (Passively & Residually) 🔥Override/Profit sharing compensation through the 6th generation. 🔥(C)ash (E)quity (O)wnership 🔥(C)ash Flow: Company goal to pay out $1B to its sales force with nearly 100 million dollar income earners, & nearly 3,000 100K income earners. 🔥110% Contract Level on Life Insurance & 62% Contract Level on Mutual Fund Investments/Annuities/Managed Investments) + Monthly bonuses (Full Time) 🔥57% Trail commissions (12B1 Fees) on total AUM (Assets Under Management) 🔥(E)quity: Get promoted to Regional Vice President & earn $15,000 worth of PRI stock, + additional stock opportunities for the growth of your organization. 🔥(O)wnership: Become a 100% owner of your business when you cross $300K in income (Rolling 12 month) ▶ Comment or inbox if interested ◀
As we approach the New Year we would like to end 2019 by sharing our success with you 🥂. Our life with poor credit was a nightmare 🤯 and we understand millions of Americans undergo the same crises. Following the blueprint that we outline during our event, we can GUARANTEE credit success 🙌💯. •
Here's a sneak peak of what we will discuss.....
• How Personal Credit Works
• The 5 Factors of Credit & What To Really Focus On
• What Makes Up A Healthy Credit Profile
• How We Were Able to Remove Inaccurate Items From Our Credit Reports
• How We Built New Credit In 2 Months
• How Adding Trade Lines Boosted Our Scores Over 50 Points! • Secrets On What The Credit Bureaus Don't Want You To Know! • Exclusive Offers to Jump Start Your Journey to The #700Club
• Live Q&A
PLUS MUCH MORE‼️
Click the link below to join us on our free webinar as we reveal how we were able to reverse our credit situation in a matter of weeks!
Today you have to write your budget for the next 3 days. Write down what you’re going to buy and how much money you need for that.
Try to follow this budget and not to buy more things that you didn’t plan and spend no more money that you wrote today.
Share your results with me in stories and tag me in it. I’ll support you.
Write your questions in stories please.
1 237 hours ago
Have you established guiding principles for your family? “We are an extra credit family” has been one of ours. Our children will tell you they didn’t always like it. Sometimes it felt like extra pressure and they rebelled against it but more often than not it was a sweet whisper in their ear to go the extra mile, extend the extra effort, don’t give up. We didn’t just say the words (often), we set the example. Like texting a thank you isn’t enough, make the time to send a handwritten notecard. Family dinners deserve a placemat. Return the shopping cart. Do the extra credit homework assignment. All these little things add up. Today, our kids don’t roll their eyes at the mantra, guiding principle, we repeated often, steering their direction, because they are on course for their unique life journey. They do the little extras every day. We encourage you to establish a few guiding principles for your life and family. The principles can be as unique as you are. Write them down then model and share them. This is a great time of year to be extra intentional. #elevate#mindfulmoney#financialcoach#wealthcoach#moneycoach#financialwellness#debtfree#financialfreedom#buildwealth#retireinspired#babystep7#hermoney#daveramsey#makeaplan#familygoals#extracredit
“Make the money, don’t let it make you” a quote from our good sis Diamond 💎. I decided to put a spin on it to match my goals. Save the money, so it can save you! If you don’t have an emergency fund 🚨 you need one ASAP! You never know when life will hit. That’s why having money saved up is so important. I’ve been guilty of not having money saved which resulted in me using credit cards for emergency’s and it set me back! 😩. I will have an emergency fund in 2020, so my money can save me, while I work towards my goals!!
7 158 hours ago
Looking to 2020 with so much hope and excitement.. 🙌🙌
If you are working towards a goal, keep pushing! I know it can be hard to see the finish the line at times but I challenge you to believe it’s possible before you see it in the natural. ✌️🌟
I truly believe that it is possible to any goal with hard work, discipline and dedication.
With hard work , discipline and dedication you can achieve anything!
The biggest thing that keeps me going in my financial & business journey is trusting and knowing God will carry me along the way. 🙌🙌
So... Keep pushing. 🌟
Keep working toward goals and it will happen!
Drop a 🙌 below if you believe 2020 will be one of your best years financially.!
2020 is going to be one the best years of our lives if we declare it.
Money is never on the Optimistic Ostriches’ mind. In fact, they wish they could bury their head in the snow whenever they hear the words “budget,” “savings” or “investing.”
Their motto is “every little thing gonna be all right”, and they believe more in the virtue of crossing their fingers than in the advice of financial professionals. Deep inside they fear what they would discover if they paid any attention to their finances, so they don’t… and hope for the best.
❄️ Tips ❄️
✔️ Managing your finances is an important part of self-care. When we feel more in control of our money and debt, it becomes easier to enjoy life.
✔️ Making a budget is a simple and highly effective way to have control over your finances. Our new Budget Planner allows you to learn and improve your financial situation by providing budgeting tips, guidelines and alerts, and helps you determine next steps with suggestions and useful links. Click the link in our bio to try it!
🏷️ Tag someone you think might like this!
🎄 Check out our previous posts and stay tuned for more holiday characters!
Cancer patients are 2.5 times more likely to file for bankruptcy after they are diagnosed, according to the Fred Hutchinson Cancer Research Center, based in Seattle.⠀
Among the financial pain points are the high tab for therapies, out-of-pocket insurance costs and loss of work during and after treatment.⠀
There’s even a term – financial toxicity of cancer – to describe the duress individuals with serious cancer diagnoses face, which in turn affects their health outcomes.⠀
For more on this story, and one patient's personal experience, click on the link in our bio. ⠀
*⠀ #cancer#cancersurvivor#financialwellness#financialfreedom#money#savingmoney#data#CNBC#chartoftheday ⠀
9 3819 hours ago
"As my career progressed, my income increased. One would think this would make it easier to put money away in an emergency account, but I was a victim of lifestyle inflation. As my checks became bigger, so did my spending. I was gambling with my finances and living life on the edge." Megan talks about the revelations she had in setting up an emergency savings account.
1 110 hours ago
Are you invested in your financial future? 💸
1 1910 hours ago
Did you know 37% of working Canadians say they will have to delay retirement because they will not@have enough money saved? .
Check out our link in the bio to learn more about how we can help.
1 510 hours ago
My money mindset has been in the crapper lately and I’m trying to change it.
I made over $100 yesterday selling stuff that we hung onto for way too long!
I get so inspired by watching people like @millionairebynextyear making money with online platforms and selling apps, I just had to re-motivate myself to give it a try.
I’m also reading Think and Grow Rich .... I used to be very ... zen about money 💰 and lived in that “let it flow” mindset and my major goal for 2020 is to get back into it!
Please enjoy this cheese ball photo of me “rollin’ in the dough” and share your favorite way to make some extra cash in a flash 😉 😉 #last90days#thinkandgrowrich#moneymindsetshift
THE BABY STEPS 👣
I don't know about you, but at this point I have been awake for a grand total of 34 hours following the election and my brain is officially scrambled.
However, I wanted to write a quick post following last nights election result.
While it was not the result that some people wanted, I truly believe that for the vast majority of us, our future's are in our control.
I think a perfect example of this is @daveramsey's Baby Steps.
The 7️⃣ steps show us that by taking each task as it comes and remaining in control of the things that we can, it is possible to forge a successful path in life - no matter the obstacles.
And for those things we can't control: paying off debt and having an emergency fund can often help to protect us.
I won't list the Baby Steps here, as there are plenty of places that explain them in much better detail. But I would urge anyone not following them and stuck for somewhere to start, to go and check them out.
💰 Money and wealth aren't bad things. They simply accelerate the path that you are already on.
So no matter your thoughts on this mornings result. Know that tomorrow you have control over the next steps. Whatever you want them to be.
My brains scrambled so I hope that makes reasonable sense!
⬇️ Let me know in the comments if you think I'm talking rubbish (politely of course, I'm sensitive right now 😂).
She wore her scars as her best attire...A stunning dress made of hellfire...Never be ashamed of your scars... they simply mean you're stronger than whatever it was that tried to hurt you...If it wasn't for my scars then I wouldn't have started Envizion... my scars were the catalyst to living a healthier lifestyle and helping others do the same! *
Find your #FIERCE and then #FLEX your FIERCE!"
4 3210 hours ago
Personal Finance Wisdom from Mr. B himself 🙌.
The first rule in building wealth is to PAY YOURSELF FIRST by utilizing a spending plan. While each person has their own unique financial situation, a solid rule of thumb is to allocate your income 50/20/30.
50%- Necessities-home, bills, groceries, etc.
20%- Financial Goals-paying unsecured debt, saving, investing
30%- Wants- entertainment, memberships, subscriptions, etc.
It's a simple concept but often overlooked because payday usually means playday, right? You're thinking about all fun the ways you can spend your hard earned dollars after paying your bills, etc.
The secret is to set up separate checking and savings accounts and to automate your paycheck to go into each respective account. That way you know exactly how much you have to spend on the things you value AFTER saving for the future. The future 'financially secure' you will thank you. 😊💰💸
What are your thoughts on paying yourself first? Is it something you do?
Follow @lisaseery_ for more money mindset and investing tips for women.
This is a #subwayselfie of me and one of my very best friends Meryl. I can talk to Meryl about absolutely anything, including money. A few years ago when Meryl was making a big career move, she looked me dead in the eyes and said, “I want to work for a big company, be the breadwinner, make a ton of money, and never have to stress about finances again.” My first response was, “Woah! Can we say that out loud?” My second response was, “Wait! I want to say that out loud.” So many of us— especially women, but definitely men, too—want financial security but feel that our desire for monetary stability (or, heaven forbid, prosperity) has to be cloaked in a moral cause. Like, it’s only okay to want to earn a big income if it means you can provide for everyone around you first. Or it’s only okay to want a raise if it means you’ll be able to do even more at your social justice-oriented job that already burns you out everyday.
Meryl and I both tend to want to make the world a better place through the work we do. We also both tend to want our financial lives to feel stable and expansive. Through our long talks about money and all the feelings that go along with it, I think that in our own ways we’ve both come around to the idea that we don’t have to choose between those two desires.
💭 Imagine waking up every day to something you enjoy. Something you look forward to. Something that grounds you. 🧘♀️ Are you ready to find that thing? I’m here to help. 🙋🏼♀️ Join me as a 1-on-1 coaching client and we will work together to find the right ritual for you! ✨ 📲 DM me to set up an intro call. Clients enrolled before 12/14 will get 10% off❗️
1 1012 hours ago
IRA vs. 401(k): What's the Difference and How Do You Choose?
Read more, http://ow.ly/VOWv50xeypN
I cannot even tell you the joy this brings me. A year ago we owed $7,363. This debt was the least of our worries. Car payments are normal, right?! 🙄
It wasn’t until we sat down using @thebudgetmom tracking system, learned from @debtkickinmom to be more frugal, and both ladies inspired shopping in our pantry and freezer, that we realized this was possible.
I sit here this morning with tears of joy because I didn’t think this was possible. We’ve been buried under “normal” debt for years. We’re not out of the woods yet, but this last year has taught us that hard work, communication, consistent tracking and adjusting of our finances, and practicing gratitude can and WILL help you become debt free!
Financial Wellness involves the process of learning how to successfully manage financial expenses. Money plays a critical role in our lives and not having enough of it impacts health as well as academic performance.
Groceries (and food in general) are a huge expense for everyone. Although it's impossible to completely cut down your spending in this area, there *are* ways to cut back without depriving yourself. Building the right habits will keep you from overspending, which, when it comes to food, is all too easy.✨Link in bio for "6 Kitchen Rules That Keep Me From Over-Buying & Under-Utilizing Groceries"🍎🥑🍇🍉
69 5,58712 December, 2019
A doctor who makes $300,000/year and spends $300,000/year is still broke....
To the contrary, an admin who makes $50,000/year and invests $20,000 of it is setting themselves up for some serious wealth in their future 🙌🏾
So if you find yourself often feeling discouraged about your job due to your income, worry not ✨
Financial success isn’t determined by how much you make, but rather what you DO with what you make instead
That’s why discipline is key in this journey 🗝
Although not always easy, the road to financial prosperity is certainly worth it.
For more tips on wealth building, message me for access to my webinar launching this week
Sometimes you have to miss out to stack up. Life is about choices and priorities.
21 98412 October, 2019
Slow down just a bit. No time to cook? No time to think? No time to relax or exercise? No time to shop your closet for special events? Steal back your time.❤️ What methods are you using to get more time back?