Let's Bitcoin - Part 1: Why is it Valuable? Is it legal? An introduction

Recently, bitcoin has been the talk of the town again due to a group of people trying to promote bitcoin farming or scheme.

Let's start with the very basic. And what is it exactly?

As of this writing, the conversion rate of 1 Bitcoin is at 431.63 US Dollar. The highest price it have ever reached was USD 1216.73. Why is it so valuable?
The price is set by the market. The demand and supply effect. What's so special about it that there's a demand in the market?

First of all, lets understand the very basic of human nature. Why human nature?
Anything human perceive any object as valuable will have values. Gold would not be valuable if we don't perceive it as valuable. If no one perceived gold as valuable, gold will have no value at all.
There are many reason on why we perceive something as valuable. The main basic reason the need to live. Food and air are basic needs.Without them, we would die.

Next, is psychological needs. We are attracted to things which we feel as beautiful, gold and diamonds gained their value because of that. Then, as demand starts to increase and the value start to increase, it becomes more of needs for our pride. Psychologically also, we love rare items as we feel we are among the few chosen people who have obtained them.

Paintings is perceived valuable with first the artistic beauty in it, then it becomes part some one's collections which also could become a rare item. Each of this stages increases the values.

The next level of adding value is attaching a believe to it. The believe can be supernatural, believe that the value will go up in term of price, the believe that it's good for your health and so on. I'm sure you would have heard of people being cheated of money because they believed certain stone will give them good fortune only to realize that it's fake.

The last reason why we perceive it as valuable is because the society or the system make us to think of it as valuable. Our paper money is perceived valuable due to the system made it valuable. It was made as a legal tender. If you want to buy something, you need the money. Prior to that we were using gold and silver as currencies. We were also using barter system with values attached to it by general public or the government. We can still do barter system based trading, but it's very rare.

This values attached to an object can go up and down depending on how the individual and public perceive them. Collectible items such as toys and comics would only be valuable for a small community who appreciate them, while majority would declare them non-sense. This is how we humans have been living by giving values based on our perceived value. Then, of course speculation could push the price higher that what it supposed to be.

Now, lets look at bitcoin.

Bitcoin is a digital currency (better known as cryptocurrency) which is created by solving certain mathematical algorithm which was created in 2009 by Satoshi Nakamoto. Satoshi Nakamoto is a very mysterious figure as no one really knows who he really is, his true identity has been a question.


So, what you basically own is a piece of encrypted solved mathematical code which have been perceived as valuable. How the heck this was perceived as valuable?  It makes sense if some math geek values it.

It was because a system was enforced by certain group of powerful traders, the underground traders. Instead of transferring physical money, they used bitcoins to do the trading. They created the value and somehow spread to the world we known well. There's 3 other factor on why the bitcoin price is so high. It's getting tougher to mine bitcoin, some merchants recognize it as legal tender and of course, speculation.

Wait. Mine?!? As in mining? Bitcoin is not even physical object, how to mine them? Well, that's the term used to solve the mathematical equation to generate the bitcoin codes.

So, is it legal? Bitcoin is not recognized as legal tender by world's governments. So, there is no government back up to it. The paper money or currencies are actually backed by governments. But not bitcoin. Now, you know the reason underground businesses and tradings is done by using bitcoin. No government tracks them. There is no central bank to monitor any transactions.

Anyway, bitcoin have values and there's no sign of it dying off yet. There are many new similar cryptocurrency came up these recent years. They are only valuable if somebody is using them and they are perceived valuable.

In PART 2, I will explain on how you can invest in Bitcoin, or better how to do your own bitcoin mining. Till then, ciao.

DISSECTING A GAMBLER’S MIND – Lessons learned for our daily life

For the first time, I played slot machine at casino. I was lucky to bag in RM200 without any money in. Don’t ask me how I did with zero money. I’m not going to be responsible if you get addicted to gambling

Then, a friend of mine kindled my interest with roulette. He mentioned about a strategy which could increase the probability of winning. I started to google on roulette to find out more. Then, I came across a blog, “How I lost RM 35,000 in Genting”

He lost RM 35,000. That’s a lot of money. It’s interesting to see what went through his mind. Here's the summary of how much he lost:

“He went into the casino with RM 6,400. He bet RM 2,300 on Roulette, and won RM 1,700.  Then, he continued to bet again and lost all the gain and his initial money.

He wasn’t satisfied and believed that he could win back, so he used his credit card to withdraw RM 5,000. He lost them all again after winning some money.

Then, he withdrew RM 21,000 from Maybank ATM. He bet RM 10,000 in a go, twice. Which he lost both bet.

Finally, with his last RM 1,000, he bet on a single number on roulette and lost.
That’s a total loss of RM 33,000.”

I wonder how did he sum his lost to RM 35,000.

Throughout his blog you can see him blaming on everything for his lose. He’s also being ignorant on why he lost. There’s a lot of hopes and desperation going on. A lot of regrets with a lot “If only…”

Here are some his comments on why he lost.
Note: Edited to remove vulgarity.

“I should have left Genting after winning RM 1,700…. Now, if I had left at that time, I would have gotten a bit of pocket money minus the trip costs.”

Regrets starts to creep in. But, is it because he choose stay overnight or because he choose to make a second bet, which caused him to lose the money. If you noticed, he was blaming on staying overnight, which actually doesn’t make sense.

“Unfortunately I made a second bet (also 2k) and lost, before switching tables and lost all of my initial RM 6,400 buy in. This forced me to go to the International Room to withdraw RM 5,000 from my credit card.”

No one forced him. But, he made the situation sounds like he is being forced to do so. As if he have no choice. This is a very dangerous mind-set. Beware of this pattern in your daily life. There are always more than one choice

“Now, if that is not bad enough, I went out, and was about to check into the hotel when I sa w Maybank. My ethanol impaired decision made me withdraw RM 21,000 from my savings account.”

Is it really the bottle of Absolut Flavor of the Tropics he took which caused him to withdraw those money? Maybe yes, maybe not. Alcohol can affect our thinking process. So, another lesson, don’t drink (too much) before you want to take a huge decision. Again, this could be just him trying to blame everything else.

“However, two bad decisions (going against the dragon instead of chasing it) with a RM 4,000 bet each time made me lose RM 12,000 (inclusive of credit card charges)”

There is a huge fallacy here. Dragon refers to consecutives winning of either Red or Black, Odd or Even, Big or Small. In his case, the roulette was winning continuous RED, but he bet against it and went Black twice, which he lost both time. He’s blaming himself for going against the dragon and should have followed the dragon.

The thing is there is no way you can tell what the next number or colour going to be. The chances of what it’s going to be next is almost 50-50. You still have chances to lose even if you bet both RED and BLACK, why? The number ‘0’ is GREEN. I just hope people could see through this clearly.

This really tickled me,

“The RED DRAGON which I attempted to break was stronger than I thought it was.”

He himself created a reality or illusion, that the RED DRAGON as thou it's a real thing and was strong. Whether we like it or not, we all do have such illusions which we created around our usual life. We tend to imagine things which are not there just to justify certain losses or mistakes.

“My friend saw this table with a Black dragon on Roulette in my last ditch attempt to do a comeback. If I had gone to that table, this post would have been very different – it would have the title “COMEBACK KING!!! Won RM 7,000 after a huge loss. Hail to the King baby” ”

This is yet another illusion created by him to make him feel slightly better, that he is still capable of winning. It’s just a matter of choosing which table.

If you read his entire blog, I can read his gambling pattern. He always goes against the DRAGON no matter what. So, instead of betting on BLACK, he might have bet RED as he always tend to go against the dragon.
Disclaimer: I’m not asking him to follow the dragon. If he read the above statement, and decides to bet by following the dragon and lose his money, I won’t be responsible for his action.

“There goes my condo…and my trips…and even my F&B.”

Now he regret of gambling as he could have used his money for something better.

“Oh well, it’s all my own fault and I shall take all the blame.”

Well, at least he realized something. Yet, making such statements is easy. How many times have you seen people says that it's their fault and keep on doing the same thing over and over again.

To truly realize his mistakes and forgive himself is another level. I hope he realizes it and forgive himself.

Everything and anything can be turned into gambling. It’s not necessary you must go to casino to feel that adrenaline rush.

Every day, in our life, we do tend to take action by thinking that we are being forced to do so. We always blame, in denial, do things in desperation, and regret of our actions. We create illusion upon illusion of why our life is sucks. That includes myself.

What is important, is not to continue with that path. We as humans always makes mistakes. It’s part of our life. We need to acknowledge them and learn to let it go.

Learn to forgive them. It won't be easy. Never give up.

How to forgive yourself?

This is a powerful sentence, “I CHOOSE TO FORGIVE MYSELF”. Repeat this as many times throughout the day until you truly feel free. Alternatively, you can pray to God and ask Him to forgive you

By the way, I have a free room at Genting. Anyone wanna follow me? :p

Dream – The first step towards achieving financial abundance

(This is a follow up article of “Money.. Money.. Money..” , make sure read it first before you continue. :))

Imagine when you wake up in the morning, you are greeted by a butler with a Hacienda la Esmeralda Geisha coffee in his hand. You walk towards the balcony while sipping the wonderful aromatic specially brewed coffee. From the balcony, you could feel the morning breeze softly touch your skin. You could see a beautiful garden filled with vibrant colourful flowers. Beautiful butterflies playing chasing each others between those flowers. At the horizon, the sun starts to shower you with rays of gold between the twin peaks of marvelous mountain range. Imagine you could have such life. Imagine such possibilities.

Everything happens or happened because of somebody dreamed of it. The car, the plane, and the laptop you are using to read this article: everything you have come across was dreamed by someone. The same thing is true when it comes to financial abundance.
You got to dream of the wealth you want. Dream of what you want to achieve.

Dream can be divided into 3 categories: the dream you dream while you are sleeping, day dreaming and the dream which you wish you had or the one you want to achieve. The dream I’m talking about is of course, the dream you want to achieve or wish you have. The dream not necessary only about materialistic stuff, it can be about sending your child to study in top notch university or building a free private hospital to treat the poor. It can be anything.

When you dream, set every single detail within it. If it’s a car, set the model, the colour, special accessories and so on. Set when your dream takes place. Is it 1 year from now? 2 years? 10 years? Next month? Next week? Just make sure you give ample of time. Try to be more realistic. But don’t delay your dream too long. Be daring to dream.

Other sources would have used the word goal, visualization or imagination, but I choose to use word dream because dream is something which you would enjoy of doing. In fact a concrete dream with details is equivalent to visualization with a goal. Do bear in mind, the dream I’m talking about is not day dreaming or dream while you are sleeping.

Dreaming is an easy thing to do. But, there are some people who are actually afraid to dream. They are afraid that they would disappoint themselves when they realize they couldn’t achieve them. So, they stop dreaming big. Dreaming is the only thing in the world where no body can interfere and set limit to it. Even the sky is not the limit. Don’t ever give up on dreaming. Even if you fail, keep on dreaming, as it could bring you closer to make it a reality.

Many of you would be questioning the power of dream. Many of you are being skeptical of what I’m saying. Many would say that their dream didn’t come true at all. The first reason why your dreams never work out is because you were day dreaming instead of dreaming with details and sense of time horizon fixed to it. You weren’t dreaming with consistency. One day you might dream of driving a Merz, the next day you dream of driving a BMW. You mind is not focused on what you dream of. You are not sure of what you really want. It’s all just seems like another routine of day dreaming.

Dream is just the first step towards financial abundance. In fact dreaming is also the first step towards abundance of everything. There are 2 more steps or requirement need to be accompanied with your dreams, or else your dream will remain a dream forever. They are desire and positive mental attitude. Just as I mentioned in my previous article, “Money.. Money.. Money..”


These 3 steps will open the world of opportunities. Of course it must be followed with your action. If no action, then there won’t be any results. In the next follow up article, we shall look at ‘Desire’ which is an important factor to reach a life of abundance. Until then, dare to dream and dream big. Remember, even the sky is not the limit.

Trading in high risk high volatile markets.

It is many people's dream to able to make tens of thousand every month without sacrificing their time. They would love to spend their time at Hawaii beach, while others are busy sitting in front their PC handling their daily job routine. Many have chosen to trade in high risk high market such as forex, options and futures with a hope to achieve that one dream of not having to work. Yet, many fail. But, there are people whose full time job is trading forex, options or futures. How do they do it? Why others fail while they succeed? Here is my answer.

To be a successful trader, you have to conquer 3 pillars. The first and foremost is money management. It is the most important factor whether you will reach your financial freedom or not. Even in trading and investing, money management is one of the three main pillars which will determine your success rate. Why is it so? Trading involves a lot of risk management, and risk involves money. If you are unable to control your money, you’ll end up depleting your capital. That’s the reason many of my articles talks mainly on money management.

The second pillar to conquer is the method. Method is the technical/fundamental analysis you do on the live or historical data movements. You must have a method or two in order to know when to buy, sell and close your position. You will come across hundreds of methods out there. You have to find the right method to suit your style. Some methods are for intraday trading. Some are for inter-day trading. Some are for trending. Some are for ranging. Some are more suitable for forex. And some are more suitable for options.

Just to share my experience, I have been using a method to trade futures and it worked very well, until the market started to go sideways. My method started to fail. So, my solution was don’t trade in sideway market. Once the market resumed its up or down trend, I started to trade again.

The third pillar is the most difficult to conquer among all. At times, we might think we have conquered it, until something happen and prove us wrong. The third pillar is our emotion. Even if you have conquered the 1st and 2nd pillar, it would be useless if your emotion is not conquered. ‘Conquer your fear and greed’ is easy to be said, but to do it require lot of disciplines and learning from mistakes. Your mind has to be focused; undisturbed by your surroundings. The disturbance could be anything. It could come within you, such as your greed. It could even come from your loved one who somehow discouraging you. It’s not easy, but with full determination it can be achieved. At times you have to experience it to understand it better.

Here are some common mistakes done by many traders.

1. They want to earn a lot within the quickest possible time, but unwilling to learn the three pillars.
2. They use an obsolete method. Some methods might have worked a long time ago, but it no longer works due to change in trend. Some method needs some tweaking in order for it to work.
3. Using too many methods to trade. The more methods you have, the more confused you’ll be. So, try to choose a method which works for you.
4. Having all their money in high risk instruments. When you are not diversified, one bad move could end all your gains.
5. Diversifying into all high risk instruments. You are not really diversifying risk. The purpose of diversification is to minimize your risk.
6. They think trading is considered as passive income. The truth is it is active income. So, if something bad happens, they won’t able to support their family.
7. No proper stop loss.
8. No knowledge or experience. They trade as if it’s a gambling.
9. No extra/additional margins.

And here are some tips.

1. Having a mentor would have a great benefit in speeding up your learning curve, but don’t expect it for free. Some you have to show your determination and some you have to pay.
2. Read a lot books to gain more knowledge and
3. Choose only one. Forex, options or futures. If you try to venture into all of them, you’ll end up confusing yourself.
4. Once you have started to gain more and more money, put some portion of them into lower risk, long term investment. Try to create some passive income.
5. Learn to minimize the risk by having a proper stop loss.
6. Do some mock trading such as online demo or pen & paper trading.

The bottom line is to be a successful trader; one must be prepared both emotionally and mentally. It is not something impossible. The only question is, are you prepared for it?

YOU CAN BE MILLIONAIRE WHILE EMPLOYED!!!

I just attended a talk on financial IQ and independence several nights ago at Gurney Hotel, Penang. It was a useful talk. Even thou I knew many of them, yet they serve me as a reminder or refresher. There was one thing I disagree with their statement. They said you can never be rich by being employed. The main reason they are saying it because they are promoting some MLM indirectly. It is a common misconception by many. Many believe you can only be rich if you running a business. It is going to be true, if that is what you believe so. Let me open up your eyes and show you, how you can be millionaire even if you are employed for the rest of your life.

Let me tell you a secret... The reason you can't be rich by being fully employed is because you have programmed your mind to think that way. Being employed doesn't mean you can't invest elsewhere. Being employed doesn't mean you can't buy property. Being employed doesn't mean you can't do some business part-time.

The 1st rule to become millionaire while employed is proper money management. As long as you never improve your money habit, no matter how much is your salary, it will never be enough. You might be making $1,000 or $10,000 a month, but if your expenses is equivalent or more than your bring home pay, it will never be enough. And of course, as usual blame your job, that your salary is not enough. So, most importantly, reduce your expenses and produce a positive cash flow. Positive cash flow means your expenses are lesser than your income so that you’ll have additional money for savings.

“So, you are saying just by saving we can be millionaire?” some skeptics started to question. The answer is yes and no. Yes, if your salary is big enough and no if your salary is not big enough. I never say saving alone is enough. Once you have saved, you must look around for better returns. As a starter, look at unit trusts which could give you an average return of 7% – 8% returns per annum. In fact if you know how to maximize your unit trust return, you could get almost 12% per annum average.

“It’s just 8% - 12%. How can we become millionaire with such small return?”, as usual people will start to question on everything as if they know better. Have you heard of power of compounding? If you save $1,000 every month, let’s see how power of compounding works through the chart.


As you can see, your investment grows exponentially. As you continue to save and invest every month your total investment grows. The higher the returns, the faster you’ll achieve $1,000,000.

“Duh, I have to wait at least 20 years to see my first million. Who knows whether I’ll be alive or not?”, more start to hesitates. Now the question is, do you have the million Dollars. If not, then shut your mouth and mind from hesitating, complaining, and blaming. Start to do something about your life and how you are going to make your first million. You have a choice, to start saving and investing or to reasoning that by being employed you can never be millionaire.

Another group of people start to complain, “Where got $1,000 to save every month? If I start to save, I won’t able buy a car, buy nice clothing, buy, buy…”. Just as I said, the choice is yours. It’s not necessary to save $1,000 from the beginning. You can start with 10% of your salary. As your salary start to increase, start to save more, maybe 20% of your salary. One day you’ll be able to save more than $2,000 a month. You might even hit that million Dollar mark in 15 years.

Let me tell you another secret, there will be definitely more millionaires 20 years from now, and why don’t you want to be one of them. The reason is our currency value is dropping every year due to inflation. I still remember many people have been dreaming of becoming millionaire since 20 years ago. And about every 15 to 20 years, the value of 1 million is decreasing by half. It means that 15 years from now, the 1 million dollar today will become $500,000 in value. So, stop complaining and blaming others, that you can’t be a millionaire while employed. It will just be easier and easier as time passes by.

“I do want to save money, but my company is paying me so low. What can I do?”, someone start to seek a place to share their sorrow. Here are some of the things you can do to increase your salary, but still money management is still the rule No.1.

1. Be the best employee. By being the best, your salary increment would be higher than the average.
2. Be the best in what you do and have specific skills which many don’t have. This will create more demand for your skill and you can demand for a higher salary.
3. Upgrade yourself by studying part time or acquiring new skills. If you are just a admin with less than thousand salary, get a diploma or degree and work somewhere else for a better salary.
4. Jump companies. Usual, when you jump to another company, it is possible to gain between 20% – 30% increment.
5. Change field. At times certain filed won’t provide you with good salary. So, you might want to think of changing to a better prospective field.

So, stop complaining that your job doesn’t pay you well and keep on staying there. Go out and look for the high paying jobs.

Let’s have a recap.
The first thing you must do is to save money. Then, invest your savings to get a better return than fixed deposit. Look around for a better job opportunity by being the best in your company and field. Upgrade yourself from time to time, so that you can be competitive. And of course change job for a better pay.

All and all, you can be a millionaire while employed.

Basic Rules of Investing

I posted this at some group in 2006, and thought it would be a good idea to post it here as it is still useful relevant article. Enjoy my revised 2006 word of wisdom. :p

There are many choices of investment available these days within single click away. Many people never realize what they are putting their money on. They just follow what other people do or advice and in the end lose all their money.

So, the first MOST important rule is,

"Never ever invest in something you don't understand"

Many people just look at the gain, without realizing what are the risk involved. These cause them to easily wipe out their investment. If you don't know anything about investing, the possibility of someone cheating your money is high. Take "Pyramid Scheme" for example. Many people didn't understand what it is all about, but yet they still invest on them. In the end they not only lost
their money, but lost their good relationship with their friends and family as well for introducing them into the scheme.

So, the solution is...

"Understand what you are going to invest on"

Yup. Learn, study about them. Ask all sort of questions. Find out whether it is legal or not. Try to get REPUTABLE 3rd party opinions. Reputable mean, someone who knows inside out about investment. Don't get influence by the figures they show you. Find out all the risks
involved. Think rationally and make a move, whether to invest or not. Most importantly, make sure you will be financially stable if you lost all your money in the investment.

"The greater the return, the greater the risk"

Find out the risk involved and study whether you can take such risk or not. One way to find out how much risk you can take, (especially for stock market), try to invest a small amount of money (make sure this is not your life savings) by buying some stock. See if you can sleep soundly in the night or not. If even a 1 cent drop gives you sleepless night, then definitely its not for you.

"Learn to minimize the risk/loss"

Many people do not know just when to stop their losses. They always keep on hoping that the loss will be temporary, but the truth is you will never know. It could become worse, if you don't get out as soon as possible. To learn to minimize a risk or loss is not easy, but it can be learned through experiences. Read books on risk management. It could help you out to understand and get new ideas on how to manage it.

"Learn from mistakes"

Everybody do make mistakes, but don't let the mistake haunt you. Learn from it, and use it as a powerful tool of wisdom. I have seen many people, who keep on repeating the same mistake over and over again. The only good habit they have is they never give up, but its useless if you still repeat the same mistakes. Also, the earlier you do a mistakes, the lesser it will impact you. But, it doesn't mean you must do a mistake to gain experience. Another away is learn from other people's mistakes, they are abundant.

As for Stock/Derivative Market (Which can also be applied to other sort investment), many books or people says there are 2 important rules,

1. Don't be greedy.
2. Get rid of fear.

but I would add another 2 and make it 4 important rules, they are:

1. Don't be greedy.
2. Get rid of fear.
3. Never ever regret.
4. Don't be too hopeful.

That's all for now. I hope this would help to enlighten many future and current investor to
prepare themselves before they start to invest.

Happy investing.

Money.. Money.. Money..

Why money is causing so many problems to people? Is it because money is root of all evil? Is it because it corrupts people’s mind? Is it because money diverts people away from spirituality?

The answer is money is not the problem at all. The problem is YOU, YOU & YOU…

Yup, that’s the one and only truth. Perhaps, you might have come across many articles and books on personal finance and they all talk about the same thing. To make more money, you have to change yourself first.

“Oh no, another site talking rubbish, instead of telling us anything useful”, some voices of irritated reader who are in deep financial crisis. Hold on there for a second. Let me tell you why it is important to change yourself first and how changing yourself can make more money for you.

Changing yourself or more precisely your mindset about money, you’ll start to see abundance of opportunities of making money outside there. How is it possible just by changing your mindset you’ll start to see the opportunity?

Let say you are a diehard football fan, anything which you came across related to football, you’ll notice them.When you flip your daily newspaper, you’ll able to notice anything related to footballs, no matter how small is the article, even every single advertisement related directly or indirectly to football. That’s because your mindset had been tuned to the football frequency.

“Does that mean I have to stop tuning my mindset to football and start to only think about money?” a confused reader start to ponder.The answer is no.

Only thinking about money without a purpose is like a body without a life aka robots. I have came across people who destroyed their entire life just because of chasing money without a purpose.

“Haha.. See money can destroy people’s life, so it’s indeed evil to have too much money”, a reader start to accuse baselessly.

Money is just a tool. A tool can be used for either good or bad deeds. For example, a hammer can be used to build your shoe rack, and it can also be used to knock people’s head. Does that mean the hammer is evil because it’s used for hurting someone? Of course the answer is no. It’s the user who decides the purpose of the tool.

Same goes for money; it is you who decide how you are going to use it. The choice is yours. You can use it to live up your dreams and do some good deeds or destroy yourself and do something bad.

Remember this, without money, church, temple, mosque or any worship places can’t be build. Without money, health care centers, old folks home, foster house can’t be build. Without money, foundations couldn’t be formed. Without money, there won’t be any charity. Think about it. How are you going to contribute effectively without money?

Okay, let’s not talk about charity. Let’s talk about your dreams. Let’s take the die hard football fan for instant. I’m sure he’ll be wishing to watch every single match in the season, live. But can he do that, for an average Joe, it’s not possible. He needs money to travel around, to buy the best seats as well to support himself and his family. Aside of money, he need time to do all of that. If he is on a good paying job where he can afford to watch all the games, but might not have time. He has to trade his time for money. If he takes a long break, how is he going to earn for living.

So now he has a reason to change his mindset to make money, by making his dream as his burning desire. But remember not to make it as a desperate desire. When you are desperate, you’ll tend not to see all the opportunity and could end up losing your money in bad investment.

Having money is also to ensure that you don’t have to worry about your child’s education, your retirement, your vacation, and whatever you want to do for you and your family.

Imagine this, you were walking around a shopping complex, and you came across a beautiful diamond necklace which you really want to buy for yourself (If you are a man, then imagine you want to buy for your wife), but you found out the cost, $5,000. Unfortunately, you don’t have the money and you could only wish for, and you go back home with disappointment. You could have paid using your credit card,but have to suffer paying them later. Now imagine that you have the money, $5,000 here I come. Yup, you don’t have to think twice.

Now let’s imagine a second scenario. You are watching your favorite news, and they were showing a story of a young brilliant kid who is suffering some rare disease and need fund to support her treatment which cost $100,000. The kid’s parents making a plight through the news. You could only feel sorry for the kid and wish you could help her out. But unfortunately, you don’t have money for yourself. You end up feeling sorry for her.Now, imagine you are a multimillionaire; you could easily help the kid and be proud of yourself being a Good Samaritan.

“But, when you have more and more money, you’ll get stingy, just like all those evil rich people out there”, again some dissatisfied souls start to condemn.

The reason you might be accusing the rich as evil is because of our human mind always tend to remember negative things a lot deeper than positive things and blindly make conclusion based on our negative perspective. Just give yourself some time, think of one rich person you have met who is humble or generous. I’m sure you could name at least one. Don’t stop there, try to recall as many people you have met or heard of.I’m sure you can list at least 5 people. Some of the generous famous rich people are Bill Gates, Warren Buffet and John D. Rockefeller.

Another reason we always accused the rich as selfish, evil and so on because of jealousy. We also tend to believe that they should share out their fortune with us. But isn’t it’s selfish to think like that. They worked hard (or smart) for the money they have accumulated and just like that we hope they would share their money. They deserve to be rich for their effort. Some of us just sitting around and condemning others for being rich. Of course these people don’t deserve to be rich, as they are not putting any effort at all.

Ben Franklin once said, “God helps those who help themselves”. And I would further add,
“God help people who want help themselves regardless of what religion or race they are from.”

By looking at the positive side of money and the desire to achieve your goals and dreams, you will find a way. You will see almost every single opportunity passing in front of you. Knowing one is an opportunity is not enough. You got to take the action, make the first step to grab the opportunity.

To sum up all in one,


Look out for my next few articles near future discussing on 'Dream', 'Desire', 'Postive Money Thought' and 'Action'. Until then, enjoy looking for new opportunities.