La Primeur Fire Turkey

Client La Primeur Pub & Cafe
Poster design Dec 2008

book and calendar in Popular Harris

English fast & easy

Useful Phrases for
Work and Everyday Life

More than 300 illustrations has been created
to enhance sense of dialogues and improve learning efficiency.
illustrated by Lee Shee

2008 Advantage Quest Publications edition
Author Marianna Pascal

Springfiend Newsletter 20

Looking Through The Mirror

Author Paul Tan
Illustrated by Lee Shee

Sample pages

Client Armour Publishing Pte Ltd.
Dec 2008

signboard

Client 弘文馆教育中心
Signboard design Nov 2008

Wealth Principle: The habit of Life Long Learning

Assuming you have already set aside 10% of your income for the future,10% for “play”, what is next? Well, how about setting aside 5-10% for your Education? Yes, this is for your life long learning. Whether it is a structured learning like attending a short course or seminar or an unstructured learning experience like buying some self help enrichment books, cds, videos, dvds, it does not matters . Just do something!

“Five years from now you will be the same person you are today except for the books you read and the people you meet.” Getting educated is the key to prosperity. Learn about the investment world. Become familiar with a variety of different investment vehicles and financial instruments, such as real estates stock, bonds, share market, unit trust, and currency exchange. Understand about risk, and why risks need to be mitigated. Then choose one primary area in which to become an expert. Begin investing in that area in which you become expert. Do your homework and have a thorough think through process before making investment decision. It comes down to this; poor people work hard and spend all their money, which results in their having to work hard forever.

Rich people work hard, save, and then invest in themselves. They also put their money in investment so they never have to work hard again when the time comes.

Don’t underestimate the power of influence. 50% of our thoughts are influence by people around us. Try mixing with a group of negative people for a month and see what would happen to you? Without the slightest doubt, you will be exactly like them. Be careful whom you spend your time with. Mix with the right group of people. Look for people who want to be successful. These peoples see obstacles as opportunities. They rarely complaint and they believe nothing venture nothing gains. Their fighting spirit are strong and they are always very enthusiastic about what they are going to do and they set a deadline and get it done.

Your “Education” account is primarily used to nurture yourself – to continue educating yourself through seminars, short courses, reading materials, audio and video tapes. Get a coach or a mentor. Learn from people who are more successful than you. Stay miles away from people who can’t add value to you.

Action Plan # 1
Get educated. Take investment seminars. Read at least one financial book a month. Read magazines such as Money, Forbes, The Edges, and the Wall street Journal. Next, stay away with negative people who are always wincing and complaining. Mix with positive a minded person who embraces all problems and tackle it like challenges. Socialize with nice people, and leave those who don’t have such criteria behind.

Client :Springfield consultancy SDN. BHD.
Illustration of Springfield Newsletter 2008/ Issue 19

Springfiend Newsletter 19

Wealth Principle: The habit of observing a balance life.

After you have set aside 10 percent of your income for the future, next you have to set aside 10 percent solely for “play”. This may be the first time you come across such a suggestion and you may find it hard to comprehend. Yes, the 10 percent of your income is for you to “blow away”!

One of the biggest secrets to managing money is balance. On one side, you want to save as much money as possible so you can invest it and make more returns. On the other side, you need to put another 10 percent of your income into a “play” account. Why? The reason is simple; this is part of man’s holistic nature. You cannot alter one part of your life without affecting the other. Some people are too rational and they save, save, save and while their logical and responsible self is fulfilled, their inner spirit whithers away. As the saying goes, “all work and no play makes Jack a dull boy.”

On the other hand, if you spend, spend, spend, not only will you never become rich, but the responsible part of you will eventually create a situation where you won’t even enjoy the things you spend your money on, and you will end up feeling guilty. The guilt will then cause you to unconsciously overspend as a way of expressing your emotions. Although you might feel better temporarily, soon it’ll be back to feelings of guilt and shame. It’s a vicious cycle, and the only way to prevent it is to learn how to manage your money in a way that works.

Your play account is primarily used to nurture yourself – to do the things you wouldn't normally do. It’s for the extra special things like going to a restaurant and ordering a bottle of their finest wine or champagne.

Action Plan # 1
Open a play account or have a play jar in your home where you deposit 10 percent of your income. The rule here is that it must be spent every month. That’s right! Each month you have to “blow away” all the money and allow yourself to “feel” rich. You need to reward yourself for working hard and so it is okay to “play” hard and have lots of fun with it. It makes managing money a more interesting activity to do.

Client :Springfield consultancy SDN. BHD.
Illustration of Springfield Newsletter 2008/ Issue 18

zuji icons

Client Zuji Pte Ltd.
July 2008

Springfiend Newsletter 18