Wednesday, July 04, 2007

Oppurtunity - Power of Capital 2

Barely after 9 Months

Thursday, December 28, 2006

Chinse Funeral Tradition

People salute you = 1 Generation
Your Yourself = 2 Generation
Your Son = 3 Generation will wear Black with White Lantern
Your Grandchild = 4 Generation will wear Blue with White Lantern
Your Great Grandchild = 5 Generation will wear Green with White Lantern plus bit RED
Your Great Great Grandchild = 6 Generation will wear RED with RED lantern like CNY hahaha

So by calculation anyone can consider Die Happily according to Chinese will have to marry at 25 year old and with all his generation as well then you at 100 will have the 6th Generation.


Wednesday, November 15, 2006


Finally have the time to continue writing after settling down with my second daughter Eunice Kua Zhi Hui born on 1/11/2006. Cheer!!! Today I will lay my life experiences of the topic above.
Recently during one of my MSN chat with my friend, i discuss with him the mid-life crisis. Why did i say that? Coz we all in another 2 year from now; will be 30 and another 7 to 12 years from now we will be 35 and reached 40. My question to all my friends is that are you all ready or prepare for the coming years or the future.
1. When or have you married? Coz RM 20-30K these day for Chinese Race for that event alone.
2. Old Car Loan Settled? or new car in store already? Coz 1,000 monthly for another 5 years.
3. New Housing Loan for Double Storey at 200K? Coz RM 25K down payment and tied for 25 years monthly installment of RM1,300. (Wisely not recommended to buy!)
4. Plan Wife Pregnant = Delivery Expenses ? Budget RM5K per child for delivery expenses exclude feeding expenses estimated at RM 200-500 of monthly maintenance fee until they reach 17-20 year old. ( me 2 already both also daughter headache lioa)
5. The Insurance Premium of You, Wife and Childrens? Life, Income and Health Plan.........estimated monthly of RM500 minimum. (Budget wisely)
6. My Child road to Degree Education Fund......UK, US or Australia at least RM20-50K per children. (Get Local U will be cheaper but with the Quota System seem tough)
7. My Retirement age 50 how much is the living coz in Year 2028 will be unknown and how much Capital will be required to generate the income to support the living coz........?
8. Et-cetera ......holidays, lifestyle, repair and maintenance of home and car and lots more.
Wah! so many thing and so complicated ; must work all my life to earned substantially income to cover those above. However the tricky part will be during the journey, let say your were the chosen one for the VSS (Voluntary Seperation Scheme). The world or career you built all this while seem to collapse into you; seen in the example of certain peoples in their 40-50 age during the 1998 crisis. AM I PREPARED FOR IT or IT WOULD NOT HAPPEN ON ME!!!
My little advice to all my friends and those reading this blog, plan yourself well financially to avoid the above pitfall. Good Luck!

Excerpts from Milan Doshi :-

People Don't Plan to Fail.............................They just Fail to Plan

Monday, October 30, 2006

Moneyed Capital = Lesson No 1. Let the Money Work for You

My Moneyed Capital Idea seems to match the above lesson that the famous author wrote. After finished listening and digesting to the audio of Rich Dad, Poor Dad that I still keeps playing it whenever I am in my car (Car is my Second University now - Make it Your as Well). I heard some people comment differently from each others regarding the point that the author trying to conveyed to us. Some saying that guy asking all of us to become own boss or investor then who will be the workers? (imagine in the economy where all were boss) and some said that the lesson that guy mentioned will only apply in US only.

Back to reality, I will like to ask 10 out of 10 ordinary workers how many dared to break their routine 9-5 job to become own boss or investor? How many will take the risk if they already in comfortable position in reputable MNC? (Multi-National Company). I guess probably if we managed to get to know 2 out of 10 them who dared will be good enough because I believe 8 out of 10 would not dared to take the challenge and risks to become own boss.

I am not promoting everyone to jump to the bandwagon because it will take careful planning and certain qualities to become own boss; but do not take it too long by dragging it using excuses after excuses to break out from the norm. (Frankly, I also do not have all the quality) My intention here were to point out that the author want us to understand that to become successful or rich will required you to become your own boss. Due to the environment we see only 2 who dared to come out become boss while 8 remain as workers. As for that; 2 of them might be successful and live life financially independent, while those asking that question who will be the workers; remain worker.

Friday, October 27, 2006

Opportunity - Power of Capital

Finally I have the time to put all the though in word after finalising the idea and getting some comments from 3 of my close friends. All agreed that the idea sure make money with minimal risk but all of them have the problem of getting the money as capital due fact that in order to borrow money from peoples you must be trustworthy. Even from parent, brother, sister, relatives and friends the more they trusted you the more money they are willing to take out from their coffer to loan you first.

Classic example will be "Hey Mike! Can you borrow me 10 buck or pay for my meal first I forgot to bring my wallet! The reply will be sure no problem without even thinking (10 buck only ma since friend for 10 year lioa). However if you asked "Mike can you borrow me 10k for me as capital to open my business" sure he will think twice (my 10k FD mature tomorrow earn me 25 buck a month but borrow him got no interest cause embarrassed to ask, plus if his business fail then when is him going to pay me back? Some more i got experience borrow close friend 1k that almost caused my friendship when ask him to payback) and answer "I do not have that much money and many other excuses" as the smarter choice. Here come my idea to fill the gap of no confidence and trust. Before i go into detail of my idea let run through the meaning of CAPITAL.

Exert from Online :
Capital in this article is not the city or town but the wealth, whether in money or property, owned or employed in business by an individual. Any form of wealth employed or capable of being employed in the production of more wealth. While Moneyed Capital is the capital that consists of or represents money that is used or invested (as by a bank or investment company) for the purpose of making a profit on it as money

My idea of this Opportunity of Moneyed Capital will need Hard Cash or $$$, the more you managed to gathered the more Return of Capital Investment you will be able to get. Ask it from your parent, bother, sister, relatives and friends, how many of them and how much money that they put in our normal bank FD payout at 3% p.a. interest monthly. They will be your target people and their money in that FD will be your Capital for my idea.

This is how it works, sell them the idea that you wanted to start up business let put the example 100K as start up capital.

Capital borrowed by your sponsors to you can enjoy:-

  1. Guaranteed return to them with interest of 4.5% p.a. which is 1.5x higher than normal FD payout. Payout of 375 buck in interest will be made monthly to them.
  2. Reward with the possible extra bonus return of 4.5% to 6% p.a. interest that equal to 2x earning than their normal FD rate when you make extra profit. (will discuss with anyone interested in detail; on how and depend on your willingness to reward your borrower)

Term and Condition will be :-

  1. You can assure them Guaranteed Capital Repayment if they wish to withdraw but must be after 6 month period otherwise 0% to 2% loss might incur on their capital. (after 6 month the 2250 interest will be their with Capital of 100K returned)
  2. Asking and informing them to allow you 10 working days for their capital investment to take into effect and 10 working days for you to prepare the check if they want to cash out after 6 month.
  3. Telling them also that if the Political, Economic, Social and Technology environment changes affecting your business you can opt to return them their 100% Capital Investment together with nearest maturity date interest. ( I will discuss how PEST affect my idea in my coming posts) Otherwise you might got better entrepreneur idea you can use their capital as your stepping stone for your business. That I would not guaranteed return as you already being able to stand on your own feet but remember to pay them 4.5% interest minimum and considered 100% capital payback to them if they asked for it .
My idea of Moneyed Capital will works this way assuming you gathered 100K; the return on investment must be higher than 4.5% p.a. to pay your borrower. My Moneyed Capital idea that I discovered able to get a guaranteed return of 7.1% with the risk of extra bonus profit/loss of 1% to 5% variable depend of the PEST changes that i mentioned above.
Let me simplify this into number :-
1 Month
Capital 100K
= Means that I get 591.67 buck monthly minus 375 buck that I payout to borrower
= 216.67 buck was what I will get monthly on others money.
continously for 6 Months and he/she decided to cash out
Capital 100K
= Means that I get 3,550 (591.67x6) minus 2,250 (375x6) that I payout to borrower
= 1,300 (216.67x6) was what I will get in 6 month on others money
= 100K (variable of +1% or -1% for example)
Possible profit = 2,300 (101,000 + 1,300 - 100,000) or
Possible profit = 300 ( 99,000 + 1,300 -100,000)
continuously for 24 Months and he/she decided to cash out

Capital 100K
= Means that I get 14,200 (591.67x24) minus 9,000 (375x6) that I payout to borrower
= 5,200 (216.67x24) was what I will get in 24 months on others money
= 100K (variable of +1% or -1% and +5% or-5% for example)
Possible profit = 6,200 (101,000 + 5,200 - 100,000) or still
Possible profit = 4,200 ( 99,000 + 5,200 -100,000) base on plus minus 1% while
Possible profit = 10,200 (105,000 + 5,200 - 100,000) or still
Possible profit = 200 ( 95,000 + 5,200 -100,000) base on plus minus 5%.
Interested and curious how I make it possible, are you a loan shark? (Definitely no) As all the income is legal but I would not just reveal like that because I would like to leverage my knowledge and share the though with the one; would be entrepreneur. Many may wonder what and why the risk of 1% to 5% profit/loss I mentioned above and included in the formula calculation.
My condition is simple, gather yourself 10K and treat me coffee and I would share my trade secret with you. There was a lot hidden benefit in the money get money society believe it or not; as I will reveal it later in my other post. By the way, anyone want to challenge my idea is wellcome as I believe prove of living example will be the best or the other words; Action Speak Louder than Word. For sure you all know how to reach me. Adious!
P/S : Moneyed Capital = Robert Kiyosaki Lesson No1 - Let the Money Work for You

Thursday, October 26, 2006

Meaning of Capital

Recently during my mamak session gathering of old friends we discussed over the issue of political, economy, social and technology outlook of our home country Malaysia. Everyone have it bits of story, conclusion and belief they hold onto. I will try and breakdown each of it later in other posts which for me endless debate and waste of time, if we review it back cause it was none of our business and we could do nothing much about it. However TIME was what we have back then and who care how we waste it plus maybe there is some intrinsic value that we have not discover or aware of it. (who knows!)

OK. Enough say and back to my title of this post. At one point of the discussion one of my friend bring out one business idea. He suggested to re-conditioned those old car (Mitsubishi Galant. Proton Saga, Datsun 120Y ....) into showroom condition and sell within the bracket range of 10K-15K below the Kancil or Kelisa price. Imagine new graduates looking for a 30K box getting him or her and companies around here and there (CAR) . This group of peoples was his target customer with the reasons that I give them a bigger box, higher engine capacity that reliable at half the price, plus bonus of new emerging trend (getting publicity to become the in thing) and most important of all above, Value for their parent hard earn Money. ( Robert Kiyosaki advice to Invest in Asset not Liability = recommended reading Rich Dad, Poor Dad)

The discussion getting hot and lively with one of my sleepy friend also awaken during the wee hour of our about to end mamak session. Everyone putting in idea improvement, suggestion, know-how, comment, critic and et-cetera. I already get the big picture of the business; where to get the old car, who can repair and repaint, where the showroom can be used and getting the sales agent. All of them was in my another group of friend together with the idea on how to protect our business from competition once the idea works and becomes the trend. There is no full-proof competition in the business but at least we could enjoy the soup first hand and how much we can drank before others join us to drunk the same pot of soup is depend on our abilities. Competiton for me have its pros and cons as we cannot and would not able to control the entire market.

Finally the idea is there, plan is there, people is there, opportunity is there, risk is there but one thing is missing when I pop up the magic word "CAPITAL". I ask the idea's contributor how much money you can come up ? The answer he give is "my IDEA is my CAPITAL", in the other word to come out with money could cause him a lot of efforts. Then another friend of mine joke in that he would not mind contributing his father old car (Mistsubishi Galant) as the test bed cause at the end of the day if the idea fail he still could gain the new look of his father car. (thanks for the re-conditioned guys). After that the Capital issue slip under way, under coffee table loitering around the belt and gone into the pant. End of the mamak session I was left fuming waiting for an answer from any of my friends that at least ONE can say I got 2K, or I got 5K, or I got 8K, or I got 10K; let make it happen convert the idea into detail plan; works out the plan using the gather Monies; realised the idea by actions not words. Sucesss or Failure still an unknown areas (Who Know), but without "Money working as the Capital" it was sure doom failure even you have the most brilliant idea in the world.

When I reach home 2am morning, I was having long and thorough though of my friend's idea. I discover another Idea or Opportunity with the Power of Capital that is much simpler and could be the stepping stone for anyone who wanted to get out of the routine 9-5 work. I work it out until 6am until I satisfied with the outcome of ROI and the PEST Risks consideration but frankly it still required final touch on the minor minor thing to attract people to buy the idea. I will reveal it in my coming post Opportunity - Power of Capital once I have satisfy the touch up. OK

DAY 1 - August 2001

My journey as the entreprenuer began as soon as I entered the emploment or business world. Equiped with my Degree in Marketing graduated locally from the 3+0 program. I was persuaded by a proxy to take up the 10% share while he and another partner takes 45% each. At that point I already being offered job as Marketing Executive for one of the packaging material factory within the walking distance from my house that offer latest technology in Packaging Business with Lian Bee as its 1st Customer. The packaging product was brilliant, however I turn down the job and taken up the challenge to become entrepreneur was partly by the proxy influences. The other half was my vision for the 3 industry that has high resistant over the changes in the economy which I envisioned during one of my economy class (Healthcare, Logistics and Information Technology Industry) inelastic demand.
The IT business cruise was fine for us with the proxy and my efforts, our company making a pool of 300K over its 2 year operation. However the nightmare begun when I aware the other partner begin acting suspiciously and then I realised that the ownership paperwork was not done properly it already far too late for both of us. Me and my proxy was taken a ride by this CONMAN which later only offer to part with us for a mere 40K. This so called businessman going touch 4 decade age with rich financial background has shown his ugliest side. After consulting lawyer and company secretary we realise that not much we can do against him we decided to turn down the offer eventhough we could not take legal action against him. This was following my brother in law advice, 40K to learn the lesson and most importantly buy that fellow conscience (Yan Kak) and guilt of his life (dunno whether he have or not !!!) put our stress and pressure down under the sea bed.
Before this my proxy can suddenly awaken from sleep in the wee hour confessed by his wife complaining to her losing 90K by a silly documentation mistake causing all his effort down the drain and the money straight into the CONMAN pocket was really taxing him rock solid hard (Entreprenur out there beware). Afterall life still go on for us luckily and brighter in DAY 2.

About Me

My Life at them moment 0 - 28.
( Will Share My Ride at the Later Stage)
Briefly at this moment married with a healthy daughter
and another unknown gender coming soon next month.

Wednesday, October 25, 2006


Entreprenuer in the Making
Beware !!!
I can be reach via by mail or MSN.
I would like to apologise in advance if some of my remark and quote of my real life example might be offended to certain group of people.